Happy Scalp Happy Life: 5 Ways To Get A Healthy Scalp

Our scalp seems like the one thing we forget about when thinking about our hair care. We have to take care of what our hair grows from or we won’t be able to accomplish our desired hair goals.

In need of scalp care? Here are 5 tips on how to achieve a healthy scalp:

Pick The Right Shampoo

Your scalp is still your skin, and just like you would moisturize the rest of your body, don’t forget about your scalp as well. You can use at home solutions to moisturize your scalp like coconut oil, or aloe vera but for shampoo use, make sure to pick the right shampoo that will soothe and prevent dry scalp and itchiness. If you are experiencing dry scalp and itchiness or have a sensitive scalp try out fanola canada Sensi Care to help. Our Sensi Care Shampoo gently cleanses and re-hydrates hair using Aloe Vera and Vitamin B5, all while reducing redness and uncomfortable itching.

Wash Your Hair Regularly

We all know the rule to not wash our hair everyday for oil control, but sticking to 2-3 times a week is a good amount to keep your scalp healthy overall. This will keep your scalp from getting too oily or dry and prevent it from making you feel uncomfortable.


Scalp Massages

Don’t just lather your hair and call it a day, take time to massage your scalp.  It’ll help promote blood flow and hair growth, and will relax your muscles.  You can use a scalp massager in or out of the shower or you can DIY it and take your fingertips under your hair, and use a firm pressure and move them in a circular motion for 3-4 minutes. 


Avoid Extreme Temperatures

Try not to put your scalp under any crazy temperatures wearing a hat during the summer where it can heat up and avoid washing your hair with extremely hot water to prevent inflammation and dry skin.


Take Care Of Yourself

And just like with everything else, eat a well-balanced diet and drink plenty of water each day to keep the body hydrated, because your scalp is just as important as the rest of your skin and what you put in your body actually does affect your scalp.


What Is Investing? How Do I Start?

Tell me if this sounds familiar.

At some point earlier in your life, you had no sense whatsoever about your finances. For whatever reason – maybe a life change or maybe just a growing sense of maturity – you “woke up” and began figuring thing out.

You buckled down, got smarter about your spending, and perhaps got some debt collectors off your back. You started paying off some debt, too, and it felt good. Really good.

You have some goals in life. Maybe it’s to buy a house. Maybe it’s to have children. Maybe it’s to start a business. Maybe it’s to retire early.

Speaking of retirement, even if early retirement isn’t your goal, the idea of retirement in general is out there hanging over your head.

How do people achieve these things? They “invest.” At least, that’s the word you can’t help but hear if you visit mainstream financial sites or pick up a financial magazine. You’ve got to “invest” for your future.

But what does that even mean? And does it make sense in your life?

That little story probably seems familiar in at least a few ways – and probably in a lot of ways. It’s a very common story for people who made it through school without any real grounding or education in personal finance, but then find that their real experience in adult life makes it clear that they need to be making some smarter choices, only to find that trying to figure out those smarter choices is about as clear as mud.

Trust me, I was in the same boat not all that long ago. In fact, I started this site because I was trying to figure out everything about personal finance at once and I wanted to share what I was learning as I applied it to my own life. When I started The Simple Dollar back in 2006, that story sounded almost exactly like the situation and mindset I found myself in.

I wanted to make changes in my life. I’d made a few smaller changes and I found those changes to be incredibly empowering. I had some goals in mind, but I didn’t really know how to approach them other than “investing” – but I honestly didn’t know what that word meant.

Now? I’m well along the road to retiring early and I’m able to do it with a flexible career that gives me plenty of time to spend with my children. A big part of that change came from figuring out what “investing” is and then actually doing it.

What Does “Investing” Mean?

Here’s a very simple definition of investment: putting aside or spending something so that thing – or the item you bought with it – will be more valuable in the future. When you put money into a savings account, that’s an investment – you’re putting money aside with the idea that it will increase in value over time. Buying a home is an investment – you’re using your money to buy that home wit the hopes that it will increase in value over time, too.

Quite often, when you read about “investments,” the idea is that you’re investing money. However, you can invest other things, too – your time, your energy, your skills. For example, putting aside hours to study a subject that might help you in your career path is an investment of your time and your energy in the hopes that you’ll earn more money over the long run.

However, for the purposes of this article, we’re going to focus on a more specific definition. Investing means putting aside money or buying something with the purpose of selling or withdrawing it later when it has increased in value. Putting money in a savings account, even if it earns 0.1% interest, is an investment, in other words. Buying a share of stock is an investment. Buying a house is an investment. Putting money away for retirement is an investment.

Whenever you buy something with the intent of selling it later to make some money, you’re investing. Whenever you buy something with the intent of it earning money for you while you own it, you’re investing. Whenever you put aside money in an account that has the potential to earn any return, you’re investing.

Pretty simple, right?

Tilney BestInvest Review – For Expats – Adam Fayed

Why Does Investing Seem Scary, Then?

There are a number of reasons.

First of all, there are many, many ways to invest. The sheer number of things you can invest in is almost limitless. You can buy shares of a company’s stock. You can buy sports memorabilia. You can put money in a savings account. You can buy a house to rent out to someone. It goes on and on and on. It’s kind of like walking through the freezer section of the grocery store and looking at the hundreds of varieties and flavors when the only thing you’re familiar with at all is vanilla ice cream. It can feel overwhelming.

Second, there’s an entire industry out there that tries to make money off of “helping” you to invest, and the only way they make money is if you’re confused and intimidated by it. Investing is actually really easy, but if everyone thinks it’s easy, no one would pay for financial services. Thus, the people in the investment world have a financial stake in making it seem complicated. They want to make it sound like you need to invest, but that investing is really confusing, so you need their help. (Frankly, it’s a load of crap. Anyone who isn’t a billionaire can easily invest for themselves.)

Third, humans are hard wired in many ways to be scared of investing. For one, people are extremely risk averse when it comes to their money. They’ll almost always take a dollar today over the promise of a couple dollars down the road. We spend a lot of our daily lives minimizing and avoiding risk, so the mere idea of putting our money at risk and not having it to spend right now seems far worse at first glance than it actually is.

All of these things combine to convince us that investing is a scary thing, something that we want to avoid until the last minute and something that we want help with when we do decide to do it.

What’s So Bad About an Investment Advisor?

There’s nothing strictly bad about most investment advisors. They’re just merely providing a service that we can provide for ourselves without having to pay their fees.

As I mentioned above, investment advisors are simply there to help people navigate a world that, for the most part, investment firms have worked to make appear as scary and confusing as possible. The truth is that, for most people, many forms of investing really are pretty simple. They’re only slightly more complicated than going to the bank and opening a savings account.

There are times where it does make sense to talk to a financial advisor – for example, when you have a large or complicated inheritance. I’d call an advisor myself in those situations. Financial advisors are good people who can be really useful in challenging situations; it’s just that your first steps into investment are not challenging.

What Do I Really Need to Know?

There are three things to think about with any investment that you make.

First, risk. Whenever you put money into an investment, there’s going to be at least a little risk that it might lose value instead of gaining value. That risk might be extremely tiny – to lose value in a savings account or a treasury note, for example, the United States government would have to collapse – but it’s always there. (It’s there even if you just hold cash in your hand, too.) Other investments have more risk – you’re risking that the company whose stocks you’re buying will continue to be a successful business, for example. You’re risking that the house you buy will continue to grow in value because it’s located in a nice neighborhood and is well cared for by the people living in it.

Second, liquidity. Whenever you want to get money out of an investment, either by withdrawing it from an account or by selling something, it’s going to take some amount of time. Some things are very liquid, like savings accounts – you can basically take out your money whenever you please. Stocks are also fairly liquid as the company through which you invest in stocks (your investment house) will help you find a buyer for those shares quite quickly. Other things, like a house, are less liquid – it will take you some time to prepare a house for sale and then sell it. Generally, lower liquidity is seen as a disadvantage if you assume that you’re going to want to sell it in the future.

Finally, return. How much money do you expect to earn on this investment each year? A savings account can be expected to return about 0.1% to 1% per year. An investment in stocks returns, on average, 7% per year – but that’s an average (remember the “risk” part – there are years when it is going to be above that and years where it’s going to be below that). An investment in a house is going to vary depending on the local real estate market – anywhere from 0-1% to 10% or more depending on what’s happening there. This is the part that usually requires some homework and a little bit of guesswork.

Most investments succeed in two out of three of these areas.

Savings accounts, for example, are great in the risk department (very low risk) and the liquidity department (very high liquidity), but aren’t good in the return department (very low return).

Stocks, for example, are great in the liquidity department (pretty high liquidity) and the return department (a very nice return on average), but are pretty bad in the risk department (you can lose money in individual years and even over multi-year stretches, while other years are really good).

Buying a house is great in the risk department (pretty low risk – they will go up in value) and the return department (usually a solid return on investment), but are pretty bad in the liquidity department (if you’re trying to get a decent return, it can take quite a while to sell a house).

So, which of the three factors should be the one you care about the least? Well… onwards to the next question!

I Understand That I Should Invest… But Why?


There are big things coming down the road for you in life. You might be saving up to buy a house. You might be planning for the college education of your kids. Retirement is always hanging out there on the horizon of life. You might simply want to be prepared for an emergency or a rainy day.

The first step of investing is figuring out your goals. A goal shouldn’t really be a pure investment goal. It should be a life goal. What do you want to do – or need to do – in your life? That’s where everything starts with investing.

Once you figure out what your goals are, unless you’re really wealthy, you probably need to focus on just one or two of them. Spreading out among a lot of goals means that you probably won’t reach any of them. You’re better off pushing hard toward one or two goals than pushing softly toward a bunch of goals.

I usually suggest that people choose to have an emergency fund as one of their goals and, unless there’s a pressing need to have something else, save for retirement as their other goal. Since saving for an emergency fund won’t take that long, you can replace it with something else not too far down the road.

What If I Am Scared of Losing Money?

The thing to remember about losing money in an investment is that unless you are taking a ton of risk, you should have many years to make up for that loss. You shouldn’t be investing in anything that has enough risk for you to lose money unless it’s a very long term investment, meaning that you’re not going to even touch that money for many more years.

What if you’re scared of losing everything? The only way to lose everything is to have all of your eggs in one basket and the bottom rips out of that basket. For example, if you put all of your money into the stock of one company and that company collapses, then you would lose everything. That’s a bad idea. You should never have all of your money in one thing. Ever. If you avoid doing that, the only way you could lose everything is if we had a global disaster of some kind, in which case you’ve got bigger problems than your long-term investments.

In general, if an investment is set up appropriately for the long term (and we’ll get to that below), you shouldn’t even need to look at it until that destination starts to get close. It might go way up one year or go down one year and it shouldn’t matter if you have plenty of years left.

What If I Am Scared of Having My Money All Tied Up?

Another worry that people have with investing is that it means yet another drain on their budget. Many Americans already live paycheck to paycheck, so what happens if another 10% of their pay (or so) is taken away? It looks painful.

First of all, the money you invest actually comes from the least important parts of your spending. If you invest 10% of your income (for example), the 10% of your purchases that are the most useless and forgettable are the ones that will disappear. Go look through your credit card statements, delete the worst 10% of those purchases, and ask yourself whether or not your life is really any worse for it.

Second, the money you invest is still accessible if you really need it (though you should avoid it if at all possible). It’s not as if the money is disappearing. You’re just passing it on to yourself down the road. You can access it if necessary.

Finally, if you automate it, you won’t even notice it. If you sign up to have money automatically transferred out of your paycheck or out of your checking account, you’ll honestly barely notice the difference. You might notice a slight financial pinch if you’re looking for it, but it won’t last very long. In fact, this is how I recommend that everyone invests – figure out your goal, set up an investment plan for it, make it automatic, and then sit back and don’t think about it.

How Do I Invest in an Emergency Fund?

The first question you should ask yourself about any investment goal is whether it is a long term goal or a short term goal. Is there a significant chance that you’ll use the money in this goal in the next ten years? If the answer is yes, think of it as a short term goal. Clearly, the answer here is yes.

The second question you should ask yourself is whether or not you will need to pull out the money quickly. If there’s an emergency, you’ll need the money quickly, so the answer here is yes.

Right away, you know that you’ll need an investment with almost zero risk and very high liquidity. The best place for that is a savings account. So, go to a bank – I encourage you to actually use a separate bank for your emergency fund so it’s not as easy to tap it on a whim – and open a savings account there. Then, set up an automatic regular transfer each week from your checking to your savings account. Just ask the bank teller if that’s possible to do before you open the account. Most banks can easily do this. Then, just set up a transfer of $10 or $20 a week from your checking into your savings.

Each week, $10 or $20 will move automatically from your checking account to your emergency fund savings account. You don’t even have to think about it. All you have to remember is that if a real emergency comes up, like a car that won’t start or an emergency plane ticket needs to be bought, you can just go to that bank and tap it for the cash you need to make it through.

How Do I Invest for Retirement?

The thing to know about retirement savings is that, even though lots of options get thrown at you, they’re actually all pretty similar. The entire point of both 401(k)s and Roth IRAs is to help you with taxes. In the case of a normal 401(k), when you put money into that account today, you take it straight out of your paycheck without having to pay income taxes on it. You’ll pay income taxes later, when you take money out of that account.

With a Roth IRA, you have to put money from your checking account into that account, but if you don’t withdraw from your Roth IRA account until retirement, you don’t have to pay any taxes at all, not even on the money earned during the years while you had that account.

That’s really all you need to know – they both just help with taxes, but to get that tax help, you have to leave the money in the account because there are penalties for taking it out before retirement. If you’re not sure which is better, honestly, don’t worry about it – they’re both beneficial and they’re both way better than having no tax benefits at all. They’re both going to help you pay less taxes – the 401(k) helps out now, while the Roth IRA helps out later on in life.

So, don’t sweat that part.

If your work offers a 401(k) plan, that’s probably your best bet. It’s the easiest route to start saving for retirement. Just go in, sign up for that plan, and when you have investment options, choose to put everything in a “target retirement fund.” That simply means that you’re choosing to have your retirement money put into something that is higher risk the further you are away from retirement, and the risk lowers as you get closer to retirement, which is exactly what you want. It’s basically a big collection of different investments in one package, so you don’t have to worry about “putting your eggs all in one basket.”

If you don’t have a plan at work, sign up for a Roth IRA on your own. There are a ton of companies that offer Roth IRAs – I personally use Vanguard because I like how they operate. The advice is the same – choose a “target retirement fund” with a year that’s close to the year when you turn 67 or so.

Contribute as much as you feel you can handle, no matter which option you choose. You can always dial it down – or dial it up – later.


Retirement Investing 101: The Basics of an IRA

One of the best strategies to save for retirement is to use a tax-advantaged account such as a 401(k) or 403(b) offered through your employer. However, those work-sponsored accounts aren’t available to everyone — and they aren’t the only tax-advantaged way to build up your nest egg, either. Whether you’re self-employed or simply don’t have access to a 401(k), almost anyone can open up an individual retirement arrangement, or IRA account, and invest for retirement while taking advantage of some useful tax breaks.

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How IRAs Work

An IRA essentially functions as a personal 401(k) that you open and operate yourself. This has its advantages — for one thing, while your workplace 401(k) will typically be limited to the bank your employer uses and whatever investment choices they offer, you can open an IRA with virtually any bank or investment broker you want, and your investing options will be nearly limitless.

However, you can’t contribute as much money to an IRA each year as you can to a 401(k). In 2016, combined IRA contributions are limited to $5,500 (or $6,500 if you’re age 50 or older), compared to the $18,000 limit of most 401(k)’s. Plus, you’ll be responsible for making those contributions yourself — they don’t magically vanish from your paycheck before you even see the money, as with a work-sponsored plan.

There are many types of IRAs, but most people are concerned with just two of them: traditional and Roth IRAs. They are similar in many ways, but have very different tax structures with different benefits — so it’s important to know the difference and choose the right one for your financial situation.

Traditional IRA

A traditional IRA is the most like a 401(k), because the money you put into a traditional IRA is tax deductible this year (unless you also have a 401(k) at work, in which case your deduction may be subject to income limits). That means if you earn $60,000 in 2016 and contribute $5,000 of that to your IRA, your taxable income drops to $55,000 for the year and your tax bill shrinks.

As with a 401(k), with a regular IRA you’re simply deferring the taxes owed on that income until retirement — when you’ll presumably be in a lower tax bracket and therefore less impacted by the tax hit. So when you withdraw that $5,000 (plus any investment gains) two or three decades from now, you’ll pay regular income taxes on it then.

Traditional IRA Eligibility and Limitations

Almost anyone can contribute to a traditional IRA, as long as you have some taxable income and you’re not over age 70-1/2. Combined IRA contributions are limited to $5,500 in 2016 (or $6,500 if you’re age 50 or older).

Traditional IRAs, like 401(k)’s, also require you to start taking minimum distributions after age 70-1/2.


Roth IRA

A Roth IRA, meanwhile, has a unique tax advantage. The money you contribute to a Roth IRA isn’t tax deductible this year — meaning the person in our example above, earning $60,000 and contributing $5,000 to a Roth IRA, will still owe taxes on all $60,000 in income this year. However, he or she will be able to withdraw that money — and any investment gains it accrues over the years, which can be substantial — completely tax-free in retirement (after age 59-1/2).

Where a traditional IRA aims to defer your tax burden until retirement, when you’re likely to be in a lower tax bracket, a Roth IRA allows you to take the tax hit now and not have to worry about those taxes in retirement. It also offers the rare opportunity to earn tax-free income in the form of investment gains on your Roth IRA contributions.

A Roth IRA also offers a bit more flexibility than either a 401(k) or a traditional IRA. “With a Roth IRA, you always can withdraw up to the amount you’ve contributed, both tax-free and penalty-free, no matter the purpose,” says financial advisor Matt Becker. You may also be able to use money from a Roth IRA — including earnings — to help with a down payment on your first home or to pay for qualified educational expenses such as college tuition.

Roth IRA: Eligibility and Limitations

Not everyone is eligible to contribute to a Roth IRA — eligibility phases out once your annual income tops $117,000 (or $184,000 if married filing jointly). If you do qualify, you can continue contributing to a Roth IRA after age 70, and hold onto it as long as you live. Yearly contributions are limited to $5,500 ($6,500 if age 50 or older) between all IRAs combined (Roth and traditional).

Which IRA Is Right for Me?

Because of its unique tax benefits and flexibility, we often recommend a Roth IRA to readers if they fall below the income limits. However, both types of IRAs (not to mention other types, such as SEP IRAs) can come in handy depending on your situation and your expectations about future earnings and future tax rates. (For an in-depth comparison of the various retirement accounts available and how they differ, check out our post “Which Retirement Plan Is Right for Me?“)

But in the end, your most important decision when it comes to retirement investing isn’t which type of IRA you choose. It’s not where you open your account, or even which investments you choose.

Nope, the single most important investing decision you’ll ever make is simply to start saving a healthy portion of your income for retirement. More than anything else, the percent of your income that you set aside is going to determine how comfortably you can retire in the future.

Investing in International Stocks: Does Your Portfolio Need a Passport?

If you’re an American, is investing in the U.S. stock market good enough on its own? Or do you need to invest in international stock markets as well?

Which route leads to better returns? Which involves less risk? What are the pitfalls to avoid? And if international investing is worth it, how much of your money should you keep abroad?

In this post we’ll dive into all of that, exploring the pros and cons of international investing to help you figure out whether it’s right for you.

Pros of Investing in International Stocks


Diversification is a fancy sounding word, but all it really means is that you benefit from not having all your eggs in one basket.

If all of your money is invested in one company, your returns are completely tied to the fortunes of that company. But if you spread your money out over 1,000 companies, even a few bad apples won’t hurt you.

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In fact, diversification is the one free lunch in investing. It’s the only way to decrease your investment risk without sacrificing any expected return.

And adding international stocks increases your diversification. You’re simply invested in more companies in more places, which means you’re more likely to have the best-performing companies in your portfolio and the worst-performing companies will have even less of an impact.

Lower Risk

There are certain risks that are specific to international stocks, but when combined with U.S. stocks there’s a good chance that they will decrease the amount of investment risk you face.

Vanguard published a paper in 2012 that looked at several aspects of international investing, and one of the things they found was that a global portfolio was less volatile than holding either U.S. stocks or international stocks alone.

While there’s no guarantee that trend will continue, if it does then it means that including international stocks in your portfolio makes for a smoother ride. There will still be plenty of ups and downs (there’s no way to remove that completely), but they won’t be as large as if you hold only U.S. stocks.

Potential Rebalancing Bonus

Because the markets are constantly moving, over time your investments will drift away from

 your target asset allocation. Rebalancing is the process of bringing your portfolio back in line with your original plan.

It’s a good practice that leads to better risk-adjusted investment returns. But for the most part it leads to slight

ly lower absolute returns, simply because it means you’re regularly selling the investments that are performing best in exchange for the investments that are performing worse.

However, when you have two investments that provide similar returns but rise and fall at different times, rebalancing between them can actually produce a higher return with less risk than either of the investments on their own (see here for the math).

Since U.S. stocks and international stocks have similar expected returns, but usually will not move in lockstep, having both in your portfolio and rebalancing between them creates the possibility of better returns with less risk. And who doesn’t want that combo?

With that said, the correlation between these two investments has increased recently, and that dampens this effect. And since we can’t predict the future, there’s no guarantee that this will continue to be a benefit.

Cons of Investing in International Stocks

Increased Cost

In general, it’s more expensive to invest internationally. For example:

  • Vanguard’s Total U.S. Stock Market Fund (VTSAX) costs 0.05% to own each year.
    Vanguard’s Total International Stock Market Fund (VTIAX) costs 0.12% to own each year.

In that example, the difference is small, though present. In other situations it can be more significant. I often review 401(k)s that offer an extremely low-cost U.S. stock market fund, but only a mid- to high-cost international stock market fund.

Since cost is the single best predictor of future returns, this is an important factor to consider. At a certain point the extra fees will outweigh any potential benefit.

Increased Complexity

While the financial industry would have you believe that good investing is complicated, the truth is that the best investment plans are often the simplest.

“Everything should be made as simple as possible, but not simpler.”
– Albert Einstein

Adding international stocks introduces one more piece of your portfolio you have to track, understand, and believe in. If the additional complexity makes it harder to stay organized and stick to your plan, it may actually lead to lower returns.

On the other hand, the existence of all-in-one investments like target date retirement funds can make it easy to invest in international stocks and still keep things very simple. If that works for you, then this point is moot.

How Much Should You Invest in International Stocks?

If you want to invest in international stocks, how much of your money should go there?

The first task is to d

ecide on your overall asset allocation. What percentage of your investments do you want in stocks in general, versus more conservative investments like bonds?

Then you can look at just the stock portion of your portfolio and decide how much of it you want in international stocks versus U.S. stocks.

Vanguard’s research suggests that a minimum of 15% of your stocks should be invested internationally, with the maximum based on global market capitalization. According to the MSCI All World Index, 47% of the global market is outside the U.S., so that would set your cap.

Personally, I split my stocks 50/50 between U.S. and international, because it’s simple and it’s close enough to the actual ratio.

To decide for yourself, consider first whether the complexity is worth it for you and what you’re comfortable with. Then look at the options available to you. If your 401(k) doesn’t have good international options, it may not make sense to force it. You could always balance it out with your IRA — but again, managing that complexity might do more harm than good.

On the other hand, maybe you have good, low-cost, all-in-one funds or target-date funds available to you that make it easy. In that case, you don’t even have to worry about the percentage since it will be handled for you.

In the end, investing in international stocks can certainly produce some benefits, possibly in the form of better returns with less risk. But there’s no guarantee, and there’s certainly no right answer. So feel free to do what’s both comfortable and easiest for you.