Top 10 Cities in the World for Quality of Life

In its 2016 Quality of Living Index, Human Resources consultancy firm Mercer revealed which countries in the world rank high on quality of life. Here are the top ten cities on the list and some highlights on what make them great places to live in.

1. Vienna, Austria
Top reasons to live here: Stable economic and political system, top notch educational system, culture, excellent public transport system, safe, beautiful scenery, nature destinations, clean environment, Viennese cafes and vibrant coffee culture

2. Zurich, Switzerland
Top reasons to live here: Thriving economy, stable political condition, safe, multi-cultural, quality education, excellent transport network, scenic city, picturesque towns, breathtaking natural scenery, and top quality chocolates and watches

3. Auckland, New Zealand
Top reasons to live here: Good quality of life, excellent educational system, fairly low cost of living, stable economy, safety, spacious housing, stunning views and scenery, picturesque countryside

4. Munich, Germany
Top reasons to live here: Good public transport system, safe environment, quality educational system, beautiful scenery, art, architecture, music, culture, beer

5. Vancouver, Canada
Top reasons to live here: One of the most beautiful and relaxing cities in the world, thriving economy, clean city, great educational system, high employment rate, shipping hub, breathtaking scenery, green spaces

6. Dusseldorf, Germany
Top reasons to live here: Excellent educational system including top notch international schools, fairly low cost of living, green spaces, modern architecture, active lifestyle, beer, fashion and art scene

7. Frankfurt, Germany
Top reasons to live here: Stable economy, excellent transport system, international schools, culture, international vibe, architecture, apple wine, diverse cuisines

8. Geneva, Switzerland
Top reasons to live here: Thriving economy, highly educated population, good quality education, excellent public transport system, safe and clean, breathtaking scenery including, green spaces and nature, chocolates

9. Copenhagen, Denmark
Top reasons to live here: One of the happiest cities in the world, excellent educational system, bike-friendly city, co-housing developments, work-life balance, health and safety measures, impressive childcare opportunities, amazing working benefits, impressive architecture, culture, beautiful scenery

10. Sydney, Australia
Top reasons to live here: Thriving economy, quality education, excellent public transport system, art and culture scene, safe and clean, scenic attractions and nature getaways, active lifestyle

Remember These When Saving Or Budgeting

saving and budgeting

“Hey, I saved a thousand bucks just yesterday! Where did it go?”

“What should I do? I don’t have enough to pay this month’s bills.”

Remember these when saving or budgeting:

  • It’s about self-control. Saving and budgeting is not just about setting aside money for specific purposes. It’s about being disciplined enough to “truly” set aside money for specific purposes. And by truly, it means controlling your urges to spend it and walking away from things that might tempt you to spend it.
  • It’s about prioritizing. Food vs. gadgets. Bills vs. parties. Family vs. acquaintances. Regardless of your choice, both saving and budgeting is about prioritizing the most important things. And to help you with this, ask yourself this question: will I regret spending on this? If yes, then it’s best to stay away from it.
  • It’s about patience. Let’s face it, saving and budgeting can be quite daunting. Aside from that, it might take a long time for you to achieve your financial goals. But as other people say, success doesn’t come overnight. If you want to do these successfully, you need to be patient – especially with yourself.
  • Acknowledge that you need help. One reason why most people fail to save and budget money successfully? They don’t want others to know they are struggling financially, as well as afraid of being criticized or being laughed at – thus, the more reason to acknowledge that you need help saving and budgeting. If possible and to be assured even more, find a professional mentor.
  • Consider going D.I.Y. The reason for this is quite simple. People tend to spend too much if they ask someone else to do things for them, even if they can do those things themselves. So if you truly want to save and budget money successfully, consider going D.I.Y. On top of that, you get to show everyone how creative you are or you can be.

Go D.I.Y. and be creative with those found in

In conclusion, saving and budgeting typically requires self-control, prioritization, patience, acceptance, and consideration. It doesn’t need to be daunting as well, or even take a long time for you to achieve your financial goals – so long as you have the above-mentioned qualities.

Thus, let me share with you another important thing to remember when saving or budgeting: mind over matter. That’s right. All these qualities will become useless if your mindset is going against them.

It’s time to change your mindset. Remember these when saving or budgeting.

How To Live Simply

simple living

Ever wondered how to live simply?

How to live without spending too much? How to live without going beyond your means? How to live without compromising other life aspects?

Here are some ways:

  • Go D.I.Y. For most people, going D.I.Y. is just one way to do something as planned and without any contradictions from others. But did you know going D.I.Y. helps you become more responsible, as well as save a lot of money? So if you’re thinking about buying new chairs and tables for the patio, why not make your own chairs and tables from recycled wood and even from old tree stumps?
  • Make your own, instead of buying. Rather than spending half of your month’s wage on coffee lattes at Starbucks, why not make your own coffee latte at home? Instead of buying milkshakes to cool off after work, why not make your own refreshing smoothie at home using one of today’s top 5 personal blenders? Rather than spending money every day on fastfood, why not make your own lunch at home?
  • Don’t bring what needs to be left at home. Do you know why most people have trouble saving and budgeting, no matter how much they set aside? That’s because they always bring their cash and credit cards. Yes, you read that right. If you want to live simply, you should be disciplined enough to not bring what needs to be left at home – ultimately eluding any kind of money temptation.
  • Small things matter. Another reason why most people have trouble saving and budgeting? It’s undervaluing coins. Yes, you read that right. Small things matter. And when it comes to money, small things like coins DO Always remember, you cannot make a dollar without 100 cents. Aside from that, you’ll never know. Those “insignificant” coins might finally become crisp bills in the next few months or even days.
  • Know the real difference between needs and wants. Here’s one way to know if something’s only a want or a need. Ask yourself this question: “Can I live without it?” If no, then it’s pretty much a need. If yes, then it’s probably just a want. Either way, living simply is about knowing the real difference between what you TRULY need and what you ONLY A good example? Paying your monthly bills vs. the newly arrived Hermes bag.

Also check out the life of Silverton’s John Shocklee, a ski guide.

Do you know any other ways to live simply? Let us know in the comments section below!

Getting More Things Done to Make Room for Some Personal Time


Many people continue to grapple with productivity despite the wealth of information and growing number of tools develop to address it. Getting things done at the least possible amount of time has long been the goal for people who want to carve out some personal time from the constant busyness. Multitasking and juggling what seem like endless tasks take its toll on performance and wellbeing. Here are some ways to be more efficient with time, accomplish more, and enjoy some personal time.

1. Review and reflect on how you use your time. You need to evaluate how you use your time on a typical day. Determine your peak hours, identify time vampires, and review how much of the important things you accomplish at any given day.

2. Work on one task or project at a time. Avoid multi-tasking. Doing more things at the same time does not automatically make you more efficient or effective. It may even lead to substandard work because of lack of focus or worse it may even cause some confusion and mix-ups. Instead of juggling several things at once, put all your attention and energy on doing quality work on a single task before moving on the next one on your to do list.

3. Organize and prioritize. Plan your day, create to do lists, stick to your schedule, track your progress, schedule break times, and be accountable of your time. Getting organized simplifies the process and adds more clarity to your daily goals. Tackle the more important work first or during your more productive hours. Avoid procrastinating as this can only cause unnecessary delays which only result to needless pressure and stress.

4. Identify and deal with time wasters. Your time wasters could be anything. They could be the emails you check every once in a while, messages you post on social media, random information you end up reading while surfing the Internet, phone calls, and so much more. Manage your time well so that you do not succumb to distractions. Schedule an hour each day for those tasks, either before or after your work.

5. Ask for help or delegate. Asking for help does not suggest any weakness on your part. It just means that you recognize that there might be a better way of doing things, one of which is to ask for support from others. Delegate if you can or ask for assistance on a particularly complicated task.