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Earning investments: What to do with the money you make

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Welcome to the intriguing world of investments, where your money can work diligently on your behalf, potentially leading to a prosperous financial future.

Grasping the fundamentals of savvy investing involves understanding the delicate interplay between risk and reward.

Every investment carries some degree of risk; however, it’s through managing these risks intelligently that you pave the way towards achieving your financial objectives.

Delve deep into learning about various investment vehicles, from stocks and bonds to tangible assets.

This will enable you to make informed decisions, balancing your portfolio with a mix of different assets, each offering its own advantages and drawbacks.

Your financial future is worth the diligence and meticulous planning today.

The Enduring Value Of Gold

Investing in tangibles, particularly gold, has long been a steadfast strategy to safeguard wealth against the whims of fluctuating markets.

When you hold a gold bar or coin in your hand, you’re connecting with a timeless method that has been used for centuries to preserve and accrue wealth.

The tactile nature of gold provides a physicality that is often missing in digital or paper investments, allowing you to literally feel your wealth.

While its value may experience shifts, the intrinsic worth of gold often remains relatively stable, especially during periods of economic instability.

You can buy gold bars at Physical Gold, and they can store them for you or have them delivered securely to your hands.

When you make the decision to incorporate gold into your investment portfolio, you’re not only diversifying your asset base but also securing a tangible asset that has historically endured through various economic cycles.

Your prudent inclusion of gold can stand as a bulwark, offering a level of security and physicality in a portfolio otherwise dominated by intangible assets.

Exploring The World Of Stocks And Shares

Setting out on the path of stock and share investing opens a world where your finances have the potential to grow, reflecting the success of the companies you invest in.

The stock market, although sometimes viewed as a complex and distant entity, can become a practical tool in your investment strategy when you grasp its fundamental principles.

Understanding shares, which represent a portion of ownership in a company, and the mechanisms of buying and selling these on the stock market, is crucial for establishing a solid base in your financial portfolio.

As you delve deeper, focusing on diligent research and maintaining a level-headed approach, especially amid market fluctuations, becomes vital.

The objective is to spot opportunities where your money can not only grow but also weather the ups and downs inherent to market investments.

Your investment in stocks and shares, when approached with knowledge and caution, becomes a strategic move towards fortifying your financial future.

Estate Planning And Wealth Transfer

Securing your financial legacy through astute estate planning and wealth transfer is a defining step in safeguarding your accumulated wealth for future generations.

Reflecting on your investments and the wealth you’ve meticulously built, consider how this can be preserved and distributed according to your wishes.

This entails considering the tax implications of inheritance and identifying the most efficient ways to allocate your assets.

Crafting a will, considering an investment trust, and discussing your intentions with your family can circumvent potential disputes and ensure a smoother transition of your assets when the time comes.

Your thoughtful planning now translates into a sustained financial legacy, perpetuating your diligence and strategic investment to benefit your loved ones and succeeding generations.

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Start-up launches London Underground campaign to break down period stigma

The two-week campaign seeks to challenge societal taboos surrounding menstrual health

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The Irish women’s health start-up Riley has launched an ad campaign on the London Underground to “take the fear out of periods”.

Riley, an eco-friendly period product subscription service, aims to take action against period poverty and democratise access to period products.

The company seeks to encourage the introduction of menstrual health policies and foster a workplace where discussions around periods are normalised.

Its two-week London Underground campaign, which coincides with the opening of its first office in London, is hoped to help destigmatise periods and normalise conversations around menstrual health.

“The idea behind this campaign comes from the fact that free period care in the office is often seen as an employee perk or a ‘nice to have’, when it should actually be an essential offering in every office,” Meaghan Droney, eCommerce manager at Riley, told Femtech World.

“Our aim with this campaign is to flip those current mindsets and get people to change their attitudes towards period care in the workplace.

“With 79 per cent of menstruators feeling unsupported in relation to their periods at work, this oversight is clearly fundamentally unfair and it’s time for change.

“We’re encouraging any and all businesses to get in touch with us so we can support them in introducing menstrual policies and free period care in their workplace to empower all employees, no matter their gender, to thrive and feel valued at work.”

Research by the Chartered Institute of Personnel and Development (CIPD) shows that only 12 per cent of UK companies provide support for menstruation and menstrual health, despite 85 per cent of women experiencing stress or anxiety when managing their period at work.

Data suggests that half of the women who take absence because of their menstrual cycle feel unable to tell their manager, underscoring the deep-rooted stigma around periods.

Fiona Parfrey, co-founder of Riley, said: “Access to safe and high-quality sustainable period care products not only demonstrates a commitment to employee welfare but also fosters a culture of empathy, equality, and respect, ultimately contributing to a more engaged and empowered workforce.

“Menstrual policies and free period care are a fundamental necessity for every individual in the workplace. It’s about ensuring that employees have the resources they need to maintain their wellbeing and productivity without interruption.”

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Singapore-based fertility centre sets up grant for couples struggling to conceive

This grant aims to support eligible Singaporean couples facing financial and family planning challenges

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A Singapore-based fertility centre is to set up a grant to support couples struggling to conceive.

Virtus Fertility Centre Singapore (VFCS) announced that it would set up a grant to support aspiring parents on their IVF journey.

The initial grant is set for at $50,000 SGD and, depending on the take-up rate over the next 12 fiscal months, VFCS plans to increase the pool to benefit more couples in the subsequent years.

The grant will cover the main costs associated with IVF treatments and procedures, including embryo retrieval and transfer, laboratory services and embryo prep. It will also be applicable to fresh and frozen egg transfers.

As grant recipients, their samples will similarly be given a radio frequency identification (RFID) tag, a service VFCS provides for all its patients. It locks the patient’s identity with the respective sample. The RFID identifies gametes—eggs, sperms, or embryos—at every stage of the IVF treatment.

According to VFCS, the grant will also include access to counselling services and wellness resources.

“I’ve witnessed firsthand the emotional toll and occasional frustration that infertility can take on individuals and couples, especially for some who are still young and healthy,” said Dr Roland Chieng, medical director at VFCS.

“The common deterrent of going for fertility treatment is always associated with the cost, more so in a private care setting where their only source of funds is through Medisave.

“By alleviating their financial concerns, we hope ReadyBaby Fertility Grant empowers patients to approach their IVF journey, focusing on their clinical needs and working towards a healthy pregnancy and less on financials.

“With access to the necessary treatments and support, patients can embark on their path to parenthood with renewed confidence, knowing they have the clinical resources and guidance they need to navigate this journey,” he added.

Tim Kwan, VFCS’s managing director, said: “We believe every couple deserves the opportunity to experience the profound joy of parenthood.

“With the ReadyBaby Fertility Grant, we aim to support aspiring couples on their IVF journey and help them bring new life into the world.”

To be eligible for the grant, applicants must be married Singaporean couples diagnosed with medical infertility by a fertility specialist and first-time parents who have not tried IVF before.

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Canadian insurer launches partnership to support women’s health

Members of the Canadian insurer Medavie Blue Cross will have access to a dedicated women’s health platform

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Angela Johnson, co-founder and CEO of sanoLiving

The Canadian insurer Medavie Blue Cross (MBC) has partnered with the virtual health platform sanoLiving to support women on their menopause journey.

Currently, more than 10 million Canadian women are navigating menopause, often with little support and misinformation about treatments.

With sanoMidLife, sanoLiving’s online menopause platform, Medavie Blue Cross members will have access to a national women’s health platform tailored to provide care and services for women going through the menopause.

The service includes personalised assessments, access to clinicians, treatments, educational content, peer support and AI assistance.

“Many women lack support for their menopause transition due to the misunderstandings of what is ‘normal’ and misinformation about treatments,” said Angela Johnson, co-founder and CEO of sanoLiving.

“Women are seeking solutions that allow them to thrive during midlife. We are thrilled about our alliance with Medavie Blue Cross, and our shared commitment to providing access to care that empowers women.”

Anita Swamy, senior vice president operations at Medavie Blue Cross, added: “We’ve heard first-hand from our members about the need for more menopause-related services.

“Our partnership with sanoLiving creates an innovative way to increase access to care for our members as we continue to focus on the support women need to navigate their benefits and provide forward-thinking options to support their health.”

Studies report one in 10 women exit the workforce due to unmanaged symptoms. Early onset of menopause and symptoms before age 45 can elevate the risk of health issues like heart disease, diabetes, dementia and osteoporosis.

With this new service, Medavie Blue Cross and sanoLiving are aiming to open up the conversation around menopause, reduce stigma and work towards giving women the access to the care they need.

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