Paul Linus, Author at News, Views and Reviews

Mar42021 by Paul LinusNo Comments

Benefit of diversification in separately managed accounts

Finance

A Separately Managed Account, or SMA, is an individual investment account typically offered by a brokerage firm and managed by an independent investment management firm. After a review of various factors, such as your personal risk tolerance, investment timeframe, and investment objective, your financial consultant will present suitable investment managers for you to review and approve. A Separately Managed Account has many benefits. In this article we will analyze how Separately Managed Accounts provide investors the highest level of diversification necessary to weather current market volatility. The Overwhelming Challenge of Portfolio Diversification One of the most important factors that determines the success an investor realizes is diversification. The challenges that ...

Mar22021 by Paul LinusNo Comments

Proven ways to reduce holiday stress

Lifestyle

Another holiday season -- will this year be any different? With so much to do and no more time than usual, the following time-saving tips will make this year’s activities more manageable, more enjoyable, and less stressful. Reduce, Rethink, Replace Think about all the things you do over the holidays. By the time the holidays actually arrive, are you exhausted and unable to enjoy the season? Can you scale things back? Simplify? Can you celebrate in more enjoyable ways? Are you spending time with people you don’t really enjoy, or spending money for things you can’t afford? Think about it -- there's no law saying you have to keep doing what you've been doing if it causes you stress and misery. Take back your holidays by simplifying them. If you’re not enjoying something that has bec...

Feb272021 by Paul LinusNo Comments

Travel cruise wear for women over 40 and 50

Lifestyle

It’s that time of year. Spring and summer are almost in view. And, women are starting to say to themselves, “I wonder if I can find a good cruise deal?” Well the next thought is often, “What would I wear?” Here are some good sites online for women's travel cruise wear and nautical clothes for day or night at sea. Cruise wear can be divided into three groups: Daytime cruise wear, night time cruise clothing, and excursion outfits. Many ships have ditched formal nights but that’s no reason to wear old grubbies aboard ship. Night Time Clothing A black or navy dress is great for dressier nights and a budget gal can wear a simple style more than once, with different jewelry or accessories to tart it up. The dress can be long or short as long as no one looks like they're heading off to p...

Feb222021 by Paul LinusNo Comments

How to get Benjy Grinberg and other scholarships

Career

High school students and their parents are always looking for ways to cut the cost of college tuition. One of the easiest ways to receive free money is to obtain a scholarship such as a Benjy Grinberg scholarship; however, students must do the necessary research and planning to apply for a scholarship. Types of Scholarships Generally, there are two types of scholarships: need-based and talent or merit-based. The first, need-based, are scholarships that are provided to students who demonstrate financial need to attend college. Most colleges have a set amount of scholarship money reserved for students in need. Distribution of this money is dependent on the Estimated Family Contribution established by the Free Application for Federal Student Aid, or FAFSA. Talent or merit-based s...

Feb222021 by Paul LinusNo Comments

Tips to garage conversion for better use of house garage

Home & Garden

The use of a garage differs from individual to individual. Some use the space as a storeroom, something similar to a mini junkyard. Some use it as car parking. However, it can be used for something better. A garage conversion is a mantra towards doing it. It can be converted into a decent playroom or a new home office and surprisingly within a week or two. An added advantage towards garage conversion is that the needs of moving can be met without moving to any other place to get an equivalent house. This will also save the stamp duty, solicitors and other such related fees. It is important to note that a garage conversion increases the value of the house and even a well-considered project may enhance the return by about 10 or 20 percent. Garage Conversion Designing The first s...

Feb212021 by Paul LinusNo Comments

Rainwater harvesting and collection systems: Barrels and diverters

Home & Garden

Rainwater is free, doesn't contain chlorine, doesn't strain freshwater supplies, and doesn't violate municipal restrictions on water use. A downpour on a 500 square foot roof can fill a 50 gallon rain barrel in a few hours. The roof might be covered with dirt, such as bird droppings, so the collected water should not be used for drinking. Watering the garden and washing the car, are common uses. We look at how to choose a rain barrel and matching rain diverter, rain barrel sizes, leaf filters, and first flush diverters. Some of the information in this article is based on consumer reviews of rain barrels and rain diverters, on the Amazon.com website. Introduction to Rainwater Harvesting Methods Practical rain collection systems make use of the house roof to collect water. A ...