How to Cook Rice Perfectly Every Time The Best Wired and Wireless Headphones for Travel Editors’ Recommendations Learn Guitar (and Don’t Give Up) With the Fender Play App Despite what advertisements will lead you to believe, you don’t need to be dressed to the hilt with all the latest tech gadgets and gizmos. Don’t get us wrong, we love technology as much as the next guy, but we’ve also found that keeping life simple is the best way to stay happy. With that in mind, we’ve put together a quick list of tech essentials for the modern man. You won’t find any superfluous, circuit-laden nonsense here — just useful stuff that makes your life easier. Enjoy!Earbud headphones – Gargantuan over-ear headphones, while preferable in your home or office, are unbecoming when you’re out and about in public. Stick to earbuds if you’re going anywhere – they’re easier to transport and don’t make you look like an angsty teenage punk.OBD 2 dongle — This is the standardized on-board diagnostics port built into your car’s dashboard. A dongle (in addition to being a really fun thing to say) is a little receiver you can plug into this port to extract detailed diagnostic information about your car. It’s the best way to stay on top of mechanical issues. Newer ones can even wirelessly beam the data to your smartphone. Speaking of which …A Smartphone — It doesn’t matter what kind. So long as you can use it to look up driving directions, quickly find a good restaurant or bar on the fly, and keep a music playlist for every situation; it makes no difference if you’re rocking a boxy first-gen Droid or the latest Samsung Galaxy whatever. Also, never wear a phone holster – it’s like a postmodern version of the fanny pack.Waterproof Speakers — Usually electronics and water don’t mix, but thanks to the miracles of modern engineering, they now make Bluetooth speakers that can withstand stuff like water, mud, motor oil, and spilled beer. That means the party won’t stop when your drunk friend accidentally knocks the boombox into the pool – it’ll just get crazier.Cordless Drill/Driver — Even if you’re not the handyman type and you rarely use power tools, it’s still a good idea to keep a cordless drill around the house. They’re just so versatile. With the right bits and attachments, a cordless drill can be used not only as a drill/screwdriver, but also as a rotary sander, paint mixer, garden tiller, or even an egg beater if you ever feel like making the manliest omelette of all time.Capacitive gloves — these aren’t really essential, but they’re definitely nice to have if you live in a colder area of the globe. Basically, they look, feel, and perform just like any other glove; they just have capacitive fingertips on them, so you can still use touchscreen devices (smartphones, tablets, bank kiosks, etc.) while you wear them.Luggage tracker — Thanks to the meteoric rise of GPS and cellular triangulation technology, item-tracking tech is now both affordable and accessible. Get yourself one to use as a luggage tracker and you’ll always know where your bag is — even if an incompetent airline sends it to another state by mistake. How to Clean a Fish: A Quick Reference Guide 14 Scandinavian Clothing Brands You Need to Know
TORONTO — No need to pity the affluent, even if they have to save more than twice as much as average Canadians before retiring.[np_storybar title=”Five points to consider before deciding when to take Canada or Quebec Pension Plan benefits” link=”https://business.financialpost.com/2014/01/10/canada-pensions/”%5DWhen should you take Canada or Quebec Pension Plan benefits? It all depends on your income, health, and what you want to do with the money. Consider these points [/np_storybar]A new poll issued by BMO Harris Private Banking says richer Canadians, on average, feel they need at least $2.3 million set aside before calling it a career.The figure for the affluent — those defined as having at least $1 million of investable assets — is two and a half times the $908,000 that average Canadians said they needed.But the study also found that most affluent Canadians — fully 95% — were confident of their ability to fund their ideal retirement lifestyle.That compared with 69% of Canadians overall.Meanwhile, the majority of respondents among the affluent — 70% — expected stocks to generate the most solid returns over the next five years, well ahead of real estate, bonds and cash.“How much you require will be determined largely by what kind of lifestyle you envision for yourself, including where you plan to live, how much you want to travel and other factors that could require funding,” said Yannick Archambault, chief operating officer at BMO Harris Private Banking.“While it’s encouraging that so many of the country’s affluent are feeling good about the prospects for their retirement, it’s important to be mindful that market conditions can change very quickly and impact one’s investments.”The online survey was conducted for BMO by Pollara between March 28 and April 11, with a sample of 305 Canadians with at least $1 million in investable assets. Results for the general public come from online surveys involving 1,000 Canadians conducted in the second half of 2013.The polling industry’s professional body, the Marketing Research and Intelligence Association, says online surveys cannot be assigned a margin of error because they do not randomly sample the population.