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Women lead the way in the world s next great surf spot

Women lead the way in the world’s next great surf spot Lacy Morris © Photograph by Matias Donoso People surfing waves on Puertecillo beach near Pichilemu I’m standing with my surfboard on the beach in Pichilemu, Chile. It’s January the height of the Southern Hemisphere’s summer the sun is out, and there’s a near-constant breeze rolling in off the Pacific Ocean. A series of black-sand coves frame the main attraction in these parts: Punta de Lobos, a left-hand point break that curls gracefully (in gentle conditions) around an outcropping of jagged rock. This scene could be in Maui or Southern California except the trees are pine, not palm; the water hovers around 60ºF; and there’s hardly anyone around. Sheathed in a 4/3mm Quiksilver wetsuit appropriate for “winter-worthy warmth” I haul myself onto my board and start paddling out with equal parts thrill and terror.

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What Is a Homestead Exemption on Your Taxes?

What Is a Homestead Exemption on Your Taxes?
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How To Invest Your Money in 2021

How To Invest Your Money in 2021 GOBankingRates 1/26/2021 © LPETTET / Getty Images Female millennials & New Ways of Investing. Everyone needs to invest. In terms of classic pearls of wisdom in the personal finance sphere, “invest your money” is right up there with “have an emergency fund” and “make a budget.” Despite the fact that putting some portion of your savings to work in stock and bond markets is almost universally acknowledged to be sound advice, almost half of Americans aren’t investing. Given how powerful a tool investing can be, that’s downright tragic. Case in point: Imagine that at age 35, your long-lost uncle dies and leaves you $10,000. You’re trying to decide between just parking that money in your savings account one of the safest options imaginable and investing money in shares of an S&P 500 exchange-traded fund, an investment designed to match the performance of the index. How would your decision play out after 10, 20 or 30 years?

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