Review 5 Reasons Why You Shouldn’t Shop Here {Risky}

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5 Reasons Why You Shouldn’t Skip That Yoga Class

You have been sitting at a desk staring at a computer screen for more than 8 hours. It is raining, late and dark. You have to go grocery shopping, prepare dinner, do laundry, call Mum…The to-do list goes on and on and on. Believe me, I have been there. We all have been there. Those times when our tiredness is abysmal and the only thing we feel like doing is hibernating on the sofa until our limbs melt with its fabric.

When getting on your mat is the last thing on your mind, pull up your yoga pants and head straight to your yoga practice. Here are 5 reasons why:

1. You Owe It To Yourself

The more things you do, the more things you have to do. Your list of responsibilities is ever-growing, endless. What about the responsibility towards yourself? Think about it, 1 hour is only 0.6% of your week. Don’t you deserve to dedicate it to whom you’ll be living with for the rest of your life? (That’s YOU.)

2. The After-Yoga High

Remember how you felt after your last class? How your skin hugged muscles you didn’t even know existed? How you walked as if floating on spumous clouds? Why wouldn’t you want to enjoy this high again?

3. You Don’t Need To ‘Go’ Anywhere

No yoga classes close? Travelling? No means of transport? No problem! You have a yoga studio right in the comfort of your home or hotel. That’s one of the beauties of yoga, it can be practiced anywhere. Just roll out your mat and enjoy the journey inward.

4. It Doesn’t Have To Represent A Huge Monetary Investment

There are tons of possibilities to practice yoga that don’t include attending a fancy studio or paying for individual classes. If you don’t know where to start, or find difficulty in setting a sequence without cues, you are covered! You can purchase DVDs or, if you don’t want to spend the money, just go on YouTube and search for yoga classes, or download one of the many yoga free apps available for your device.

5. You Can Be Yourself

Thankfully, yoga is not a competitive sport. Every body is different and a pose in one might look completely different in another. Listen to how you feel in that particular moment and find those spaces where there is room for you to explore a bit further. Or skip that altogether and rest in Child’s pose for a breath or 10!

Remember why you started and don’t get too caught up in life that you forget about loving yourself!

by Mireya Semelas – Mireya is a declared avid reader and devoted yogi. And She’s fairly certain that given a cape and a nice tiara, she would be able to save the world. Find out more about Mireya on her blog or follow her on Instagram.

Want to contribute as a member of the DOYOU community too? Submit your article right here!

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Suzuki Swift Sport review: Five reasons to buy it – and five reasons why you shouldn’t

New hot hatch is nearly brilliant with sporty steering and loads of kit – but it’s far too expensive

  • 26 Apr 2020, 9:25
  • Updated : 26 Apr 2020, 9:54

THE new Suzuki Swift Sport is almost brilliant.

Here are five reasons to buy – and five reasons to maybe look elsewhere.

Five reasons to buy:

  1. Wafer light. This bantamweight bruiser weighs just 975kg. Fix party balloons to it and it’d float away. Lightness improves everything. Nerd fact: Suzuki’s first car in 1954 was called Suzulight.
  2. Nimble. Power comes from a 140hp 1.4-litre Boosterjet turbo petrol, replacing the old naturally aspirated 1.6. You lose that glorious sound, of course, but you gain low-end torque and you can’t argue with the maths. Lightness + 140hp = phenomenal power-to-weight ratio. And more mpg.


Price: £17,999

Engine: 1.4-litre turbo petrol

0-62mph: 8.1 seconds

Top speed: 130mph

Economy: 47mpg

CO2: 135g/km

Five reasons NOT to buy:

  1. Price. It’s gonna cost you £17,999, buddy. Excuse me? That’s about two grand too much. The VW Up! GTI is just as darty at £13,755 and the Swift can’t hold a candle to the Ford Fiesta ST at £18,750.
  2. Price. Pay monthly and it’s £249 with NIL deposit. Sounds decent, right? Until you check the interweb and find a Corsa is £149 a month with £149 upfront.
  3. Interior. It’s bang average. Nice red detailing but it’s not a patch on a Polo or Fiesta and the Suzuki Ignis is funkier. And while I’m at it, the windscreen wipers are naff.
  4. See reasons 1, 2 and 3.
  5. See reasons 1, 2, 3 and 4.

VERDICT: Fun but overpriced.

Maybe He’s Just Lucky? Why You Shouldn’t Imitate Warren Buffett

I want you to imagine a dark, distant past (before this finance series). What would you do if you wanted to learn about investing?

Let’s say you Googled “best books on investing.” You’d probably find the same book recommended over and over again.

In fact, try this today. Ask a “finance-savvy friend” to recommend a book on investing.

I’m sure you’ve heard about it.

Why? Because everyone interested in investing has heard about it.

Why? Because Warren Buffett said this book changed his life.

“Well if it worked for Buffett, surely it will work for me. Right?”

You can’t forget all the other factors that contributed to Buffett’s success:

  • His IQ is probably above 150.
  • He started selling things and saving money while in high school.
  • He bought his first stock at age 11.
  • His finance teacher in college was Benjamin Graham.
  • His business partner is the infinitely wise Charlie Munger.

And many, many other factors (which you can read about in his biography aptly titled “ The Snowball ” by Alice Shroeder).

Graham’s book is as likely to turn you into Warren Buffett as Nike soccer cleats are likely to turn you into Cristiano Ronaldo.

It doesn’t work that way.

Don’t Try To “Invest Like A Pro”

Why mention Graham’s book and Buffett?

Simply, I picked a popular example where people think copying a “pro” will magically turn them into one.

Today, I want to exterminate that silly idea from your head.

Sidenote: Of course, this doesn’t apply to everyone investing full-time (although it does apply to most). If you’ve lived and breathed the stock market since you wore diapers, there’s a 0.01% chance you’ll become very, very wealthy by doing things I don’t recommend.

What is a “Pro”?

First, you need to understand what I mean by “pro” investor.

I mean the best in the world. You know, those you see on the cover of magazines.

This simple chart (based on this post from MMM) will give you an idea :

In trying to beat the market, most people get a smaller return (placing their own bets) or lose money (mainly because of the fees they pay to third parties).

The market returns an average of 7% every year. Hence why I recommend buying the market through Index Funds. This way, you’ll beat the majority of investors.

However, there is a small, minuscule, tiiiiiny group of people who manage to beat the market consistently over a long time.

These are the “crème de la crème,” the superstars, the Navy SEALs, AND the Unicorns of the financial world.

They (and only they) beat the market. Hence why they’re rich and famous.

Feel free to click on each name. There is a lot to learn from this amazing group (but “how to invest part-time” isn’t one of them).

5 Reasons Not To Copy The Pros

1. Speculating is a zero-sum game

I know an army of people will disagree with me on this point, but hear me out.

If you are speculating, the stock market is a zero-sum game.

Why? Because when you buy a stock at a specific price, someone else is selling it at that same price. If you were right to buy, they were wrong to sell (and vice versa).

In this game, for you to perform better than average means someone else has to perform worse.

If the only people performing better than average are the above-mentioned Unicorns, guess who’s performing worse? YOU.

“There is a world game going on, and only a handful actually make money, and they make a lot by taking chips from the players who aren’t as good.” — Ray Dalio

2. They all invest differently

If you study the above Unicorns, you’ll quickly notice one thing:

They all have completely different investing strategies!

Now, do you see why thinking “one book will teach you how to beat the market” is nonsense? (anyone who tells you differently is either delusional or trying to sell you something).

It gets worse. You only think their strategies work because you saw how it worked for them.

However, you don’t see the countless people who tried to emulate them and lost.

So, not only do they use different strategies, but those strategies aren’t the sole reason for their success (copying their strategy means you’re missing the point).

3. They’ve put in 10,000 hours

Warren Buffett bought his first stock at age 11. Ray Dalio bought his first stock at age 12.

As Conor McGregor said “There’s no talent here, this is hard work. This is an obsession. […] I am not talented, I am obsessed .”

The Unicorns have been obsessed for a LONG time.

“You’re not going to beat the market.

Competing in the markets is more difficult than winning in the Olympics. There are more people who are trying to do it and much bigger rewards if you succeed. Like competing in the Olympics only an infinitesimal percentage succeed, but unlike winning in the Olympics, most people think they can do it.

Before you try to beat the market, recognize that your likelihood of being successful is extremely small and ask yourself if you spent the time to train and prepare to be one of the few who actually wins.” — Ray Dalio

4. They have advantages

Tim Ferriss identified 3 sources of advantages the top investors have when investing (if you don’t have one or more of these advantages, don’t pick a stock):

  • Informational advantage: You have information that others don’t.
  • Analytical advantage: You can interpret data in a way others can’t.
  • Behavioral advantage: You don’t let your emotions control your decisions (hence why I say your psychology is your worst enemy when investing).

“Suddenly, my enormous stock picking hubris was clear. Somehow reading a few books and 10-K annual reports was going to give me an edge? Over not only the professional analysts who lived and breathed this stuff all day every day, but also the executives who run the companies in question? I could succeed where they could not?

Suddenly I realized why even rock star fund managers find it almost impossible to best the simple index over time.” — JL Collins

5. Maybe they’re just lucky (?)

I might get some trouble for saying this. But it can’t be ruled out.

There is a school of thought that believes the world’s top investors are just really really really lucky.

Like I said, can’t rule it out.

Warning: This is a long comment. But it’s well worth reading, understanding, and pondering.

“Construct a population of 10,000 fictional investment managers […]. Assume that they each have a perfectly fair game; each one has a 50% probability of making $10,000 at the end of the year, and a 50% probability of losing $10,000. Let us introduce an additional restriction; once a manager has a single bad year, he is thrown out of the sample. […]

Toss a coin; heads and the manager will make $10,000 over the year, tails and he will lose $10,000. We run it for the first year. At the end of the year, we expect 5,000 managers to be up $10,000 each, and 5,000 to be down $10,000. Now we run the game a second year. Again, we can expect 2,500 managers to be up two years in a row; another year, 1,250; a fourth one, 625; a fifth, 313.

We have now, simply in a fair game, 313 managers who made money for five years in a row. Out of pure luck.

Meanwhile if we throw one of these successful traders into the real world we would get very interesting and helpful comments on his remarkable style, his incisive mind, and the influences that helped him achieve such success. Some analysts may attribute his achievement to precise elements among his childhood experiences. His biographer will dwell on the wonderful role models provided by his parents; we would be supplied with black-and-white pictures in the middle of the book of a great mind in the making.” — Nassim Nicholas Taleb

5 Things You CAN Do

However, there are 5 very useful lessons you can apply to your investing strategy (which allows you to beat 99.9% of people trying to beat the market).

In fact, a lot of “the pros” would give you the same advice.

We’ve talked about each before, so I’ll simply link to those letters.

And that’s it for today!

Today, you learned:

  • Why you shouldn’t try to invest like a pro
  • What is a “pro” (and who are they)
  • What you CAN do instead

See you next week (follow the series here to be notified).

P.S.: I apologize if my writing seems sloppier than usual. I got LASIK surgery a few days ago (best decision ever). The problem is lights are much brighter than usual (this effect lasts about a month). So, staring at this radiant screen while writing is much harder than I thought it’d be.

Since I write about finance, legal jargon is obligatory (because the guys in suits made me). Before following any of my advice, read this disclaimer.

Five reasons why you shouldn’t buy a smartwatch yet

With the long anticipated release of Apple Watch this past week, the company behind it put a lot of coal in the engine of the wearable train. For a solid year, the world hemmed and hawed about smartwatches, waiting to see what Apple would do. Now that they’re officially in the mix, here are a few reasons to sit this early-adopter’s segment out — at least for a year.


At $350 to start, an Apple Watch isn’t cheap. We can point to the Apple Watch as a trendsetting timepiece, but also as the class leader for emptying your wallet. How can I use Apple Pay when I’m broke, Apple?!

Android Wear isn’t a whole lot better. At $250-plus, Android Wear devices aren’t an impulse buy for many. When you consider price versus features, buying a smartwatch can’t be justified in many cases.

Over time, this will naturally decline. Like any piece of tech, once OEMs can better source cheaper materials and components — and compete with one another — the prices start to dip. I can’t say Apple will necessarily lower their price on an Apple Watch v2.0, but by and large, that’s the trend.


I hate to be the naysayer, but what a smartwatch really does is tell you to look at your smartphone. Oh, neat, an email! I’ll just… pick up my phone and type out a response. Fantastic.

There are plenty of reasons smartwatches are great, but many of those features can be accomplished with a wearable like a Jawbone Up or Fitbit. If health is your aim for buying a smartwatch, you should seriously consider one of those items ahead of a smartwatch. Not only does the hardware have as many sensors as any smartwatch, but the supporting platform is typically more robust, providing more reasons for you to care about your activity levels.

To be fair, it’s not yet clear what Apple’s HealthKit will do. If their platform somehow trumps what we see from others like Fitbit, I’ll happily eat crow on this one.

Outside of monitoring health stats, a smartwatch doesn’t do a whole lot. Chances are, you’re not wearing a “regular” watch because of your smartphone, so why take a half step forward to compromise and put notifications on your wrist? At the end of the day, you’re really just giving yourself license to dive into your pocket, and you don’t need an excuse to habitually pick up a phone.

Here’s something that applies to any smartwatch: it’s bigger than you think. It’s hard to really gauge the size of a device without experiencing it, but smartwatches — at least in their current form factor — are pretty bulky.

Even the Moto 360, as svelte and cool as it looks, is pretty massive. The G Watch is bigger than expected, too. Though smartwatches definitely do more than a Fossil watch from Macy’s, and have a lot of tech packed in, they’re just plain big — all of them. Even when they start approaching a traditional wristwatch in size, the opposite effect takes hold.; the screen is now too small!

The mind tells you a watch is a certain size, but not this time. If you don’t like watches to begin with, a smartwatch definitely isn’t for you. If you’re a watch connoisseur, a smartwatch will likely offend your sensibilities.

You’re not an early adopter

You picked your smartphone because of all the things it could do. You weighed your options, balanced the features versus everything else, and made the decision that was right for you. Smartwatches are different.

Again, smartwatches just don’t do much. You get a slew of sensors and a tight little screen, but these are early days. A smartwatch may seem cool, but there is still a ton of stuff you can’t do, even though it’s on the roadmap as a feature everyone is “working on”. Today’s smartwatch is for early adopters, and that’s probably not you.

Smartwatches do the same thing, almost across the board. The only real bonus for an Apple Watch is Apple Pay, and that’s incredibly niche right now. It’s also not necessary to have a smartwatch for that feature; you can run Apple Pay on an iPhone without an Apple Watch.

You have something better

Here’s another unspoken niggle with smartwatches: they need a smartphone to be worth a damn. If that cool smartwatch isn’t tethered to a smartphone, you may as well save yourself $200 or so and get a Casio watch. Some have their own SIM port, but they’re few and far between, and there’s no compelling reason to have one yet.

A smartwatch won’t, can’t, and might never replicate or trump the experience you have with your smartphone. Smartphone apps have (mostly) been carefully manicured and detailed to provide a great experience. A smartwatch can’t duplicate that — yet.

Take a step back

The smartwatch, version 2.0, should bring it additional sensors and better apps. As early adopters give feedback and help Developers understand the experience a bit better, things improve. The hardware will round into a more approachable shape, and the apps will hopefully do more than alert you to things happening on your smartphone.

The Apple Watch will kickstart the smartwatch segment, and give Developers a reason to start doing their thing for wearables. Like the smartphone before it, Apple’s wearable offering isn’t the first, but it will set the trend moving forward.

Think back to the first iPhone (if you remember it, that is), which launched without the App Store. It was exciting, but when you took a step back and analyzed the use cases, there weren’t a whole lot. A few short years alter, we had really good apps — and the hardware improved drastically. In turn, everyone (Android OEMs and Developers, really) snapped into shape and followed suit.

Smartwatches are exciting, with approachable pricing, but just give it time. Even if the hardware doesn’t slim down, the apps will bulk up, giving you enough reasons to habitually glance at your wrist rather than dig into your pocket for a phone.

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