The Philips Livable Cities Award is an initiative designed to generate practical, achievable ideas for improving the health and well-being of people living in cities. Individuals, community or non-governmental organizations and businesses are eligible to participate in the Award program that comprises a total prize fund amounting to 125,000 Euros.
With the aim of developing simple solutions to the complex challenges faced by the residents of cities today, the program consists of three distinct award categories:

• Well-being Outdoors: initiatives that will help citizens feel safe in public spaces or help create city identity and foster a sense of belonging
• Independent Living: initiatives that will help the growing number of elderly people living alone to feel secure and comfortable in a city, with appropriate access to healthcare
• Healthy Lifestyle at Work and Home: initiatives that will support a healthy body and mind, whether through a person’s surroundings or via other essentials such as exercise, sleep and diet.

An overall award of 75,000 Euros will be granted for the best idea submitted in any of the three categories. There will also be two additional awards of 25,000 Euros each for the best submissions in the two categories not covered in the overall award. The award criteria will be developed by an international panel of experts chaired by Richard Florida, author of The Great Reset, Director of the Martin Prosperity Institute and Professor of Business and Creativity at Rotman School of Management at the University of Toronto.

If you’re on a fixed income, or already retired and don’t like taking chances with your savings, a fixed rate ISA is a perfect choice. With a fixed rate, you know exactly what you’ll be earning for the first year after you open your account. But, after that year, your rates will drop to the providers standard rate.

While some providers will restrict your access to your savings, other may allow you to make a certain number of withdrawals each year. If you don’t anticipate having to use any of your savings, this won’t be a problem. But, if you think you may have to use some of your balance, you will want to be clear about your options on withdrawals.

Like any other cash ISA, a fixed rate ISA will earn tax free interest. That interest is usually calculated on a daily basis, but it can be paid either monthly, once every six months, or once each year. Some providers will even allow you to choose when you want to receive your interest instalments.

If you wish to earn money from HYIPs then you should be very careful while choosing a HYIP scheme. It is also true the many HYIPs are genuine and they offer a return ranging from 5% to 250%, to all the people who invest in them. Before putting your money in a HYIP, you should research about its credibility over the internet. You can also ask some people who have experience in investing money in HYIPs. All this is necessary to save an individual from suffering heavy losses in terms of his money invested in HYIPs.