Ramery De Luna

13 Flips | 5 Magazines | 2 Likes | @ramery | Keep up with Ramery De Luna on Flipboard, a place to see the stories, photos, and updates that matter to you. Flipboard creates a personalized magazine full of everything, from world news to life’s great moments. Download Flipboard for free and search for “Ramery De Luna”

7 Mantras for Those Who Have Lost Their Motivation and Hope

Earlier today, I was sitting on a park bench eating a sandwich for lunch when an elderly couple pulled their car up under a nearby oak tree. They …

Old Age

Every investor needs to know these 12 valuation ratios

An uninformed investor: "This stock is so cheap! The current stock price is only $0.50!"<p>A smart investor: "Umm…the stock price means nothing. Your stock's EBITDA multiple is negative!"<p>I know. Cheesy example. But hopefully, it gets the point across. Just because the stock price is trading under $1 …

The science of why you should add water to your whiskey

The secret to enjoying a good whiskey? A dash of water.<p>Whiskey drinkers have been doing this for centuries to heighten certain flavors and reduce burn.<p>Science has two competing theories for why this works. One explanation suggests water traps bad flavors. Whiskey contains a compound called "fatty …

31 Inexpensive Luxuries You Should 100% Treat Yourself To

Because you've earned it. (P.S.: nothing here is more than $25!)

9 Bad Habits You Must Break to Be More Productive | Inc.com

Nothing sabotages your productivity quite like bad habits. They are insidious, creeping up on you slowly until you don't even notice the damage they're causing.<p>Bad habits slow you down, decrease your accuracy, make you less creative, and stifle your performance. Getting control of your bad habits …

Time Management

HEDGE FUND READING LIST: Hundreds of investors say these 10 finance books are must-reads

GuilhermeMesquita/Shutterstock SumZero, a social network for buyside investors, asked its members to share their favorite investment books in their user profiles.<p>The list is based on 1,120 responses, and ranked from least to most recommended. You can consider it a hedge fund reading list.<p>The books …

MIT's app only needs a second to teach you a new language

You know the seconds and minutes you waste waiting for the elevator to arrive, for a friend to reply to an IM or for a website to load? A team of MIT CSAIL researchers believe you can put them to good use, so they created a series of apps called the WaitSuite that makes the most of those idle …

21 books everyone should read in their 20s

There is always something to learn from books, whether it's a compilation of poetry, a memoir, or a piece of classic literature. The best reads broaden your horizons, give you a new perspective, or offer valuable advice to you as a reader, which is especially great for people who have their whole …

Books

How To Use Brain Science To Be Your Best Self In 2017

Neuroscience offers some handy hacks to learn faster, focus better, and make smarter decisions this year.<p>Resolutions are often an exercise in wishful thinking. People rarely keep them, mostly because they’re vague about their goals and don’t have a plan for following through. But that isn’t the …

31 Best Restaurants in New York City

If you can make it here (as a restaurant), you can make it anywhere.<p>New York, New York brings tourists in droves for its world-class museums, monuments, and theater. But have you taken a good look at our food scene lately? From fast-casual fried chicken to refined seafood temples and Caribbean from …

Ralph Lauren

10 Business Books Every Entrepreneur Should Read in 2017

Bill Gates recently released his favorite books of 2016. Claiming he averages about one book a week, the billionaire business magnate says reading is …

10 Money Quotes That Can Help You Get Rich

Image source: Pixabay.<p>There are many different ways to learn important things, such as learning things the hard way -- by trying and doing and sometimes succeeding, sometimes failing. Another way is to learn from others. After all, lots of smart people have pursued the same goals as you, such as …

Investing

Here's how much of your income to save every year so you'll have enough money in retirement

A March 2016 GoBankingRates survey of more than 4,500 Americans found that over half — 56% — have less than $10,000 of retirement savings, and that 28% of those over 55 have no savings at all. In total, the site determined, about 75% of respondents are behind on saving for retirement.<p>The news isn't …