How to grow a beard
You do not need to have a long time away from formal situations in order to grow a beard. This method will let you start over a weekend.
Saving for retirement
Happy New Year! It’s easy to live in the now, and never consider the distant future when you will need to retire. There are also plenty of arguments for putting off saving for retirement until later: I cannot afford it; I have plenty of time; The government will look after me ; and worst of all My children will look after me. The easiest way to save, is to have the money taken away from you before it hits your…