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4 Dont plan too tight a schedule If your schedul

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first_img4. Don’t plan too tight a scheduleIf your schedule is too packed, then it could become more of a chore than a holiday. One of you may be hungover and not want the early start, then another day, you may want to chill on the beach rather than go on an excursion. It’s best to adopt a ‘go with the flow’ attitude rather than having a rigid timetable. Accept each other’s differences and you’ll get along just fine. 5. CompromiseThere should be no leader on the holiday, it doesn’t matter who planned it, you’re both equal. Therefore every decision should be a joint one. If you’re a fussy eater, try and be a little bit adventurous – there must be at least one thing on the menu that you’d like. It’s always best to eat where the locals eat. Similarly, if you hate sport, but your partner is a fanatic – why not agree to one day accompany them and then maybe the next day they will do what you want. 3. Research your destination before booking to see that it covers both of your interestsWhen you book a holiday, it’s important that it suits you both. It’s ok for someone to take the lead with the booking but do your research carefully, and be fair. For example, if one of you is a golf fanatic and the other loves sightseeing, don’t just book a week’s holiday at a golf resort. You need to run things past each other beforehand. If it’s a surprise holiday, make sure you’re considerate and not just booking what you like to do. The 7 most romantic city breaks in Europe would be a good place to start. 6. Don’t get jealous / don’t go to the beachIf the weather’s hot and people are wearing close to nothing on the beach, then there’s a chance your partner may take long lingering looks at the body beautiful laying on the next sun lounger. This is likely to cause issues. Either, don’t get jealous at a bit of ‘window shopping’, or tell them they can look at whoever they want… on their own. Or avoid holidaying anywhere where swimwear is de rigeur.7. Don’t get tempted to propose straight awayYou’ve not been together long and with the great weather, beautiful beach, sunset and sangria – it’s easy to be carried away with the moment. Just remember, it takes time to get to know one another and there’s no rush. What seemed a good idea in the drive-through chapel in Vegas may come back to haunt you. Here are 9 other things you should probably avoid on that road trip. 8. Don’t drink every nightIt’s easy to hit the bar every night – especially if it’s an all-inclusive venue. Be careful with those mojitos though as eventually the ‘holiday hangover’ will catch up with you and put you in a bad mood. It can make you feel tired, down and irritable, so if you can, have a few days break. You’ll have even more fun if you’ve got a clear head and feel fresh in the morning. 9. If a crisis happens – don’t blame the other personWhen something bad happens (e.g something gets lost or stolen), rather than owning up, we can all be guilty of passing the blame on to someone else. Before you start moaning at your partner, stay calm and take a moment to decide how the situation can be rectified. Blaming someone else isn’t going to make things better, it’s just going to cause friction between you two. You should be a team, not rivals. 10. Make sure the ground rules are set with moneyMoney can be a touchy subject, especially on holidays, so you need to set the ground rules early. Is there going to be a ‘kitty’ that you put all your money into and then have a daily budget or are you going to pay for yourself? If one of you wants to share, but the other has the ‘what’s mine is mine’ attitude, you may encounter problems. It’s often best to combine money when you’re going on holiday together, or at least take it in turns to pay for meals/drinks. That way you’ll avoid one of you guzzling champagne and lobster and the other drinking tap water and eating crackers when money runs out. Set the ground rules before you leave and you’ll be well on the way to holiday heaven. Check out these 20 money saving travel tips and secrets, whilst you’re at it. How to avoid a holiday showdown with your loved ones:10 most common holiday arguments couples haveFrom packing too much to leaving too late: here are 10 topics that could cause a serious holiday bust-up.13 things you don’t want to happen on a beachFrom stolen wallets to jellyfish stings: here are 13 unlucky beach scenarios you definitely should try to avoid on holiday this summer.How to survive a holiday with your parents10 tips on how to enjoy a family holiday without it becoming a nightmare!Skyscanner is the world’s travel search engine, helping your money go further on flights, hotels and car hire.ReturnOne wayMulti-cityFromAdd nearby airports ToAdd nearby airportsDepart14/08/2019Return21/08/2019Cabin Class & Travellers1 adult, EconomyDirect flights onlySearch flights Mapcenter_img 1. Go for a ‘trial run’Rather than jumping in at the deep end and having a two week break together, why not have a trial run first and test the waters with a weekend trip away? Keep it simple: short flight, nice hotel, Paris? That way you’ve experienced the 24/7 company on neutral ground and you’ll have a rough idea of the things that might get on your nerves. We’ll make this one easy for you – here are some very romantic hotels in Paris.2. Use each other’s strengths and talents when holiday planningRather than arguing about who does what, take a moment to think about each of your strengths and how to use them to your advantage. For example, if you’re a better organiser, you could book the holiday. If your partner has a flair for languages, let him/her be the translator. If one of you is a good navigator (this is touchy subject as it’s usually the woman!), let her be in charge of the map. That said, the top 10 iPhone and iPad apps for city breaks will make this easier. RelatedNot just for families: 10 things you never knew about TUIIf you think TUI package holidays are all about kids and beaches, think again. The company offers a huge range of holiday options, from trips around Vietnam to five-star luxury hotels for adults only. Here’s a few things you probably didn’t know about TUI…Flying with children: 25 top tips for keeping kids happy on boardIt’s summer, and time for the big annual summer holiday! If you’re flying with kids you might be worried about arriving in one piece. What if they act up, or spend the whole flight screaming? What if you land more frazzled than ready for fun? We could say “stuff ’em”…How to survive a holiday with your parents10 tips on how to enjoy a family holiday without it becoming a nightmare!last_img read more

Expect lower investment returns around the world says CPPIB chief

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first_imgExpect lower investment returns around the world, says CPPIB chief Canada Pension Plan ekes out 1.1% return during market’s worst volatility since the financial crisis More Sponsored By: The head of the Canada Pension Plan Investment Board said Thursday that investors are likely to see weaker returns in the future amid a “pretty sluggish period” that has struck most global economies.“I think we’re going to see much lower return on assets going forward than we have since the global financial crisis and the recovery,” said Mark Machin, president and chief executive officer of the CPPIB, in an interview with the Financial Post. “So I would see returns coming down around the world.”The CPPIB reported on Thursday net assets of $368.5 billion for its quarter ended Dec. 31, up $200 million from the end of the previous quarter. The pension fund also said its investment portfolio posted a net return of 1.1 per cent for the three months, which included the period of volatility that struck the markets in late 2018.“It was a solid quarter given a pretty weak market environment,” Machin said. “The fact that our portfolio held up pretty well during that shows that diversification works.” CPPIB among investors buying Ultimate Software for $11 billion CPPIB poised to be first global pension fund to issue euro green bond CPPIB plans safer investing structure for hike in Canada Pension Plan contributions The pension fund also reported its investment portfolio notched 10-year and five-year annualized returns of 10 per cent and 11 per cent, net of all its costs.CPPIB announced a number of investments during the quarter, including paying $670 million with a partner for a controlling stake in a hydro-power company in Brazil, which was one of the few countries “desynchronized” from the global economic slowdown, Machin said.The complex situations involving Canada, China and the United States are contributing to those growth issues, Machin said, although he remained optimistic about a resolution.“It’s a very significant drag on global growth right now,” he added. “Because uncertainty holds people back from making investments in their businesses, and may hold people back from hiring people, and it holds people back from taking risk in their business.”CPPIB invests the funds of the Canada Pension Plan, and the board began receiving additional CPP contributions in January, when measures to bolster the plan kicked in.The pension fund also issued its first Euro-dominated green bond last month, a €1-billion sale of 10-year fixed-rate notes. CPPIB said the issuance “will enable us to invest further in eligible assets such as renewables, water, and real estate projects, and to diversify the Fund’s investor base.”January’s issuance follows CPPIB’s first-ever green-bond sale last June, which the board said was a first for pension funds.“I would imagine we’ll continue to use that market,” Machin said Thursday.CPPIB signed an agreement during its third quarter, alongside the Ontario Teachers’ Pension Plan, to buy 49 per cent of a 309-kilometre toll road in Mexico for an initial $314 million. The fund said there is also the possibility of a second investment of up to $218 million in the road.CPPIB already owns 40 per cent of the privately-leased section of Highway 407, another toll road that runs 108 kilometres from Burlington, Ont. in the west to Pickering, Ont. in the east.SNC-Lavalin Group Inc. and a subsidiary of Spanish infrastructure company Ferrovial S.A. own 16.77 per cent and 42.23 per cent, respectively.However, SNC-Lavalin said last August that it had hired CIBC Capital Markets and RBC Capital Markets as financial advisors to help the company with a possible sale of 6.76 per cent of the 407, which would reduce its stake to around 10 per cent.Since then, shares of SNC-Lavalin have dropped more than 35 per cent, with the company recently cutting its earnings forecast and being pulled into a political firestorm tied to the company’s lingering corruption and fraud charges.Machin declined to comment Thursday on whether or not CPPIB would be interested in the stake in the 407 floated by SNC-Lavalin.“We’re happy investors in the 407,” Machin said.• Email: gzochodne@nationalpost.com | Twitter: Twitter Reddit Share this storyExpect lower investment returns around the world, says CPPIB chief Tumblr Pinterest Google+ LinkedIn Geoff Zochodne February 14, 20194:30 PM ESTLast UpdatedFebruary 15, 20198:20 AM EST Filed under News FP Street advertisement Commentcenter_img Featured Stories Recommended For You’We were experiencing headwinds’ — Canopy Growth stock heads south on poor sales ramp-upDefining the future of Canadian competitiveness: How partnerships between industry and educational institutions can help lead the way forwardTrans Mountain construction work can go ahead as National Energy Board re-validates permitsDavid Rosenberg: Deflation is still the No. 1 threat to global economic stability — and central banks know itBank of Canada drops mortgage stress test rate for first time since 2016 Email Join the conversation → CPPIB CEO Mark Machin warns of weaker investment returns in the days ahead.Cole Burston for National Post Facebook What you need to know about passing the family cottage to the next generation 1 Comments ← Previous Next →last_img read more