Traveller's Will

Other than using the services of bordr.io (cost 350 Euros to open at the time of writing), the Portuguese bank account I found on the internet that you can open outside of Portugal is Banco Atlantico Europa . When you navigate to "Open Account" the following screens asks you to download its app on Android or Apple app stores. This is what the app looks like in the Android app store. Once you open the app, the following screens will appear and it states the relevant documents you need to upload via the app either from photos or pdfs. You will need to follow the steps to create a User ID, enter your email address, your cellphone number (even if its a non-Portuguese number), your residential address (in your country), your work profession (job title and employer name) and your NIF. Once completed you will need to upload these documents to prove your name (eg. passport), DOB, passport number, nationality, your proof of residential address (eg. driver's licence, utility bills,

Inflation is the decrease in buying power in a form of monetary unit of exchange resulted from an increase of prices from goods and services. The effects of inflation over time will see the deterioration of buying value of money. How to overcome the effects of inflation? 1. invest in income producing assets that produce greater yields that exceed the inflation rate (note: don't invest in speculative or risky assets or schemes) 2. spend less money (avoid spending money on things you don't really need) 3. continually invest money to ensure adequate growth over time (but ensure effective capital allocation across the board).

  How Warren Buffett narrowed down most stock pickers: People treat the stock market as a casino in placing massive bets on the direction of stock prices. Institutional investors sell themselves to masses as highly skilled stock pickers. Parading on their year’s performance as advertising for the public’s short sightedness eager to get rich quickly. Stock pickers are quick with buying on good news and then jumping out on bad news. If the stock doesn’t move within a couple months, they sell it and go onto looking for something else. What Warren Buffett looks for: Steady 10 year EPS growth Leading economic moat The company has a competitor advantage over its competitors

 1. You don't have to be a maths guru, you just need to master simple maths. Knowing compound interest is very important! 2. Investing in productive assets that produce income over time is better than taking speculative gambles. 3. In your teens, it is important to save money. In your 20's, you should learn and test out to invest a proportion of your money. In your 30's, you should have a rough idea what you wanna do in your life by then your investments should afford you to pursue those dreams. In your 40's if you no longer interested in working, you could consider retiring comfortably subject to your lifestyle habits. 4. Unfortunately in this world, there are more spenders out there than savers. 5. When I talk about saving, don't put all your eggs in that basket. In order to progress, conservative investing is also required. 6. I've never heard about anyone getting rich from just saving money. 7. Know the difference between a "want" and a "need&

1. Icky Stickie, Lorn (Maitland City Council) 2. Suspension Espresso, Islington 3. The Barn, Adamstown 4. Baked Uprising, Maryville 5. Good Brother Espresso, Newcastle 6. The Autumn Rooms, Cooks Hill 7. Welsh Blacks, Cooks Hill 8. Group Up Espresso, Carrington 9. Sherwood Coffee Bar, Newcastle West 10. The Press Coffee and Book House, Newcastle 11. Papa Bagel Bar, Newcastle West 12. The Source Cafe, Wickham 13. Equium Social, Mayfield 14. Red Parrot, Islington 15. Birdy's Espresso, Tighes Hill

1. Strzelecki Lookout/Newcastle Memorial Walk, The Hill/Bar Beach (City of Newcastle LGA) 2. Camden Haven, Port Macquarie (Port Macquarie - Hastings Council LGA) 3. Mount Yacaaba Peak, Hawks Nest (Mid Coast Council LGA) 4. Bennetts Head Lookout, Forster (Mid Coast Council LGA) 5. Sublime Point Lookout, Austinmer (Wollongong City Council LGA) 6. Cape Hawke, Forster (Mid Coast Council LGA) 7. Tomaree Mountain Peak, Shoal Bay (Ports Stephens Council LGA) 8. Dobroyd Head, Balgowlah Heights (Northern Beaches Council LGA) 9. The Obelisk, Newcastle (City of Newcastle LGA) 10. Forest Sky Pier, Coffs Harbour (City of Coffs Harbour LGA) 11. Cape Byron Lookout Point, Byron Bay (Byron Shire LGA) 12. Barrenjoey Lighthouse, Palm Beach (Northern Beaches Council LGA) 13. Boambee Head, Sawtell (City of Coffs Harbour LGA) 14. Muttonbird Island Lookout, Coffs Harbour (City of Coffs Harbour LGA)