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Added on the 20/01/2017 19:11:08 - Copyright : DailyTelegraph
Over the last 18 months road cycling has boomed across the world with more people spending time on bike than seemingly ever. Here at Cyclist, we love seeing newbies out riding. We are also aware that being new to the world of road cycling can be quite daunting. So for those new to cycling, we have compiled eight big things we wish we had known when we had first started riding. If you loved this video, and found the content useful viewing please make sure to give it a thumbs up and share it with all of your friends Keep up to date with more of our content by subscribing to our channel: https://www.youtube.com/c/Cyclistthri... and also our Newsletter, here: https://bit.ly/3tUWWYt See the latest news, tech and in-depth product and bike reviews on our website https://www.cyclist.co.uk/ Cyclist Shop:https://shop.cyclist.co.uk/ Submit your questions and comments below Tell us what new cycling trends/topics excite you? That way we can create more engaging content in the areas that interest you the most. Watch more on the Cyclist YouTube Channel, https://youtu.be/H1HXVzuY1QY https://youtu.be/p1aF4ha-e4Q https://youtu.be/Nv-UMJSBfT4 https://youtu.be/_xY28vTDyZs https://youtu.be/Re00TwUyMZo Facebook - https://www.facebook.com/CyclistMag/ Instagram - https://www.instagram.com/cyclist_mag/ Twitter - https://twitter.com/cyclist
Achieving financial independence means building enough wealth that you don't ever have to work again. Whee! Of course, getting to financial independence, or FI, requires resilience and perseverance. However, there's more to escaping the rat race than that. According to Business Insider, author Sarah Stanley Fallaw says most millionaires follow a similar path. And she bases her conclusions not on hunches, but on her interviews with over 600 millionaires from all walks of life. They share three traits: spending below their means, finding a side hustle, and moving to self-employment. Ultimately, the three factors work together to allow them to build wealth more quickly and reach financial independence sooner than most.
Financial consultant Alli Williams was just 29 when she took on $154,000 of her husband's debt when they got hitched. Since then, they've paid off $50,000 of the debt, including an auto loan, some student loans, and a credit card. Not only that, but they also paid for a wedding, college tuition, and have saved for a baby and a house. According to Business Insider, Williams believes in prioritizing expenses, such as bonding activities and savings goals, but not in harsh deprivation. On a practical level, every paycheck is divvied up between bills, savings, and debt repayment. As for windfalls such as gifts, bonuses, or tax refunds, Williams sets allocation percentages without knowing the amount. For example, 50% will usually go toward debt, another 20% towards savings, and so on. When the money hits the bank account, she doesn't have to dither!
Business Insider reports Norwegian deputy central bank governor Jon Nicolaisen resigned on Friday. Nicolaisen was in charge of Norway's $1.2 trillion sovereign wealth fund, the biggest in the world. He stepped down after Norway's security service rejected his security clearance because his wife is Chinese and lives in China. The pair have been married for ten years, but Norway has become stricter on ties to China and Russia in recent years. Norway's intelligence service says the two countries are trying to find out information about Norway's petroleum industry.
These days, it's generally assumed that with young, newlywed couples, both spouses will continue to work--at least until children come along. But according to Business Insider, some couples are questioning the received wisdom of combining finances as soon as the wedding cake has been cut. For one thing, couples may have different savings goals, and different levels of debt. Being in charge of your own debt only keeps you in control, and also stops you from feeling resentful if your partner runs up his or her own credit card. Remember, not merging finances doesn't mean you can't save for joint goals, such as a house. It does mean you can save at your own pace, in your own way.
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