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    Signs that you re not using your credit cards properly

     

    It is a fact that many people fail to use their credit cards properly. Only when they have gained a credit card balance which is difficult to pay off do they begin seeking help. While it is possible to pay off your balance and get out of debt, it is much easier to look for the warning signals which indicate that your spending is getting out of control. If you find that you are only able to make the minimum payments each month, this is a sign that you've allowed your balance to become so high that it will be difficult to pay off. If any of your credit cards have been maxed out, this is another sign that you need to get your spending limits under control immediately. If you are charging more money on your card than you bring in from your job, this is a bad sign as well. If you are using the money from one credit card to pay off another, this is another bad sign. If you find that you're in denial, and don't want to talk about how much you owe, it is time to seriously look at your financial lifestyle to see what is wrong. People who are having problems with their credit cards may have to resort to using their retirement savings or other funds in order to get out of debt. People who are seriously in debt will begin using their credit cards in order to buy necessities such as food or gasoline. If the examples above describe you or someone you know, this is a sign that you are in financial trouble. By this time, it is usually very difficult to pay off your credit cards in a reasonable time period. If you feel that there is nothing you can do, it may be best to begin looking at debt consolidation or even bankruptcy. Before you do either, you should first consult a lawyer or credit counseling service to find out which option is best. The first thing you will want to do is stop using your credit cards. Adding more money to the balance won't make things easier. While you may not be in a situation which is this serious, if you find that you are buying things on impulse, this is a sign that you shoud stop. If you can't afford to pay for something in cash, this is a sign that you should avoid using your credit card to pay for it. If you really want it, it may be best to save money. If you feel that saving money for the product will take a long time, you should realize that it will take a long time to pay off your credit card as well.

         
    Simple check to test your eligibility for filling chapter 7 bankruptcy

     

    : Most people who file for bankruptcy choose Chapter 7 instead of Chapter 13 because it's fast, effective, easy to file, and doesn't require payments over time. Chapter 7 bankruptcy usually takes the least time to complete. The process is over in about 4 to 6 months, commonly requiring only one trip to the courthouse by the person filing for bankruptcy to emerge debt-free. However not every persons who are seeking of getting debt free by filling bankruptcy will be eligible to file under chapter 7. If you remaining income after subtracting what you will spend on certain allowed expenses and monthly payments for child support, tax debts, secured debts such as a mortgage or car loan, and a few other types of debts is sufficient to support the payment under chapter 13 repayment plan, then, you will not allow to file bankruptcy under chapter 7. Check Your Eligibility Criteria The first step to check your eligibility of filling chapter 7 bankruptcy is to measure your average income for past six months against the median income for a family of your size in your state. Once you have calculated your income, compare it to the median income for your state (You can find the median income by state information from usdoj. gov/ust; click the Mean Testing Information). If your calculated average income is less than or equal to the median income of your state, you can file under chapter 7 bankruptcy, else you need to go through another eligibility test, called "Mean Test". The "Mean Test" based on the outcome from calculated disposable income. To get your disposable income, calculate your average monthly income as describe in above paragraph. From that amount, you subtract both of the following:

    • Certain allowed expenses such as clothing, transportation, food and so on; in amounts set by the IRS (Note that this amount may be lower than your actual spending).
    • Monthly payments you will have to make on secured and priority debts. Secured debts such as mortgage and/or car loan; priority debts include child support, alimony, tax debts, and wages owed to employees.
    If your total monthly disposable income after subtracting these amounts is less than $100, you pass the means test, and will be allowed to file for Chapter 7. If your total disposable income is more than $166.66 then your will automatically force to Chapter 13 unless your have a solid reason with proven facts that you are facing a special circumstances that aren't reflected in the calculations above. You may be allowed to file under chapter 7, but this is a case by case basic. What if you disposable income fall in between $100 and $166.66? If your disposable income is in this range, you must figure out whether what you have left over is enough to pay more than 25% of your unsecured, non priority debts such as credit cards, student loans and medical bills. If not, you pass the means test, and Chapter 7 remains an option else you have flunked the means test, and will be prohibited from using Chapter 7. Summary You may like most of people prefer to fill the bankruptcy (if this is the option left for debt free) under chapter 7, because it doesn't require you to repay any portion of your debts, as Chapter 13 does. But first thing is your must be eligible and meet the requirement for chapter 7 to opt for this option.

         
    Simple money making tips for moms

     

    Moms know that staying home with the kids is an important job, perhaps the most important job that a woman can have. Unfortunately, few moms can afford to give up all of the income they’ve been contributing to the family coffers. However, finding the right work from home job can be a bit of a challenge. Luckily, moms can find ways to contribute to the household’s financial well being while they are hunting for the perfect work from home job. Do your children have toys they’ve barely touched or clothing they’ve outgrown that is still in good shape? One great way to make a bit of extra money is to gather up all of the items you aren’t using anymore and hold a garage sale or yard sale. Make sure that everything is clean, well organized, and clearly priced before you hold your sale. You should have a sign that clearly announces the sale in your front yard and you may want to also place a classified ad in your local paper. To save on advertising costs and generate more interest, ask a few other neighborhood moms to chip in. If you don’t live in a yard sale friendly location, you can still resell your children’s gently worn clothing as they outgrow it. Check the local yellow pages for the phone numbers for a few consignment shops. Be sure to talk to a few different shops to find one that has a low consignment fee and is also clean and well organized. Of course, you can also earn money by going to yard sales and buying nice items at low prices to resell on eBay. Before you begin buying things, take some time to look at eBay auctions to see what sells and what doesn’t. Some of the oddest items, such as children’s weaving looms or fast food collectibles still in the bag, sell for a good sum of money. Other things don’t sell at all. Another great way for moms to make money is to combine coupons, sales, and rebates. During the Christmas season, many stores have substantial rebate offers for everything from tools to pre-paid cellular phones. You can have a wonderful Christmas without blowing the family budget, which will make you feel just as happy after the holiday as your kids feel while they are opening their gifts. Of course, quite a few drug stores have rebate offers for hair dye, shampoos, and extension cords throughout the year. If you use these items, you probably planned to buy them anyway, but you may not have been considering buying them if you have no use for them. However, even if you don’t need something that is free or almost free after rebate, you may want to buy it to add to your yard sale stash. Finally, if you’d like to be able to afford a few fun extras, you may want to consider doing a bit of mystery shopping. You can get free meals, trips to the movies, or clothing in exchange for information about your shopping experience. Just be sure you don’t pay for mystery shopper information. One of the best free places to find legitimate companies that offer mystery shopping is internetbasedmoms

         
    Simple ways to save money

     

    Things are so expensive these days. We seem to be hearing, and saying, that a lot lately at the gas pump, in the grocery store and especially when paying bills. But there are simple ways to help save money without making sacrifices in your lifestyle. Small savings can turn into large rewards for little effort. Start with the small things. Eat out less, stay home more often. Invite your friends over for a potluck supper and rent a movie. You are still able to enjoy entertainment at half the cost of going out to eat and then to the movie theatre. My friends and I rotate whose house we will go to every weekend. Giving the house a thorough company-coming-over cleaning is then limited to once a month. There are many, many ways to save money when shopping for your children. Their clothing can be purchased at a consignment or thrift store for half of the original cost. Many clothing items may even still have their tags, especially baby clothes. Set up a clothing swap with your friends who also have children. You may find that they can hand down clothes to your child that will be eventually handed down to their even younger child. All children like to draw; the evidence is displayed on refrigerators across the land. Have you noticed that your office paper has been quickly disappearing? This phenomenon of missing printer paper can become expensive. Recycle your office paper for artwork. Or even re-use the paper grocery bags, they're free! Babysitting costs can add up. But you have to get away every once in a while. Try rotating sitting with your friends. We keep the kids on Friday night while our friends go out. They keep our kids on Saturday night while we go out. It reduces the cost of our night out on the town. Speaking of those weekend trips out, don't go crazy! It can be so very easy to spend a lot of money on the weekends. You've worked hard all week, and now you deserve to have fun. While that may be all so true, you might not be thinking about your overall budget. Plan activities that don't cost anything. For example, instead of spending the weekend at the local amusement park, go to a new park and ride bikes through the trails. Picnics, hikes and scavenger hunts cost very little, while they create wonderful memories for your family. When it comes time to purchase new appliances, look for the energy saving appliances. When you have to run several loads of laundry a week, you want to use as little electricity as possible. On nice days, hang your wash outside instead of using the dryer. Not only will you save money, but it can be a nice escape from your daily routine. Look at all of your appliances, and see how you can save money by using them smartly. You can turn your refrigerator down in the cooler months. Insist that no one is to stand in front of the fridge with the door open for more than fifteen seconds. Electric bills can add up quickly, so eliminate the waste of electricity by turning off lights when you leave the room. One of the biggest ways that money is lost is through mismanagement. Credit cards may help you make ends meet, but if you can't pay the entire balance at the end of the month they will cost you money. Interest charges and minimum payments can stretch out a small amount of money into a long payment period. Every month, you are losing money to interest. Overdrafting your bank account is another example of lost money. Even though you have overdraft protection, it will cost you in the long run. If you are charged $25 every time you overdraft, and you overdraft four times a month, you have lost $1200 a year to fees. What could have been purchased with that money? What would that money be in twenty years if you had invested it wisely? There are ways to save money. It may seem as though a little bit here and there isn't worth the effort, but believe me - pennies can turn into mountains.

         
    Simplifying the process of finding affordable health insurance

     

    As consumers’ choices increase when buying affordable health insurance online, so has the growth of benefit information within those plans. Today there are thousands of broker-sponsored websites ready and able to serve the consumer. However, there are many pitfalls to watch for when buying something from someone you don’t know, filled with information you don’t understand. Many of these sites lack information that is crucial to make an educated decision when getting health insurance quotes. Keeping up-to-date information is a vast challenge for companies; some sites offer up to 80 different carriers providing 150 separate types of individual, family, or business insurance. With this much information, a change to one of these products can often take up to 30 days to be reflected in online insurance quotes. It’s difficult for insurance brokers, much less the untrained consumer, to find the right information and make the right choice when getting health insurance quotes. So what can the consumer do when faced with this informational overload? As simple as this may seem, find a company whose site provides enough insurance information for consumers to do a little homework. A Glossary is a great starting point, as you can familiarize yourself with many of the terms you will encounter when shopping for affordable health insurance. When getting a health insurance quote online, be sure you know who you’re working with. Another very important question to ask is if the person guiding you through your insurance options is a licensed health insurance agent. Insurance advisors are the very ones provided with updated information about policies you may be interested in. Licensed health insurance agents must follow strict guidelines mandated by their state’s department of insurance and those insurance companies they represent. Using a service that provides you multiple quotes from various carriers (insurance companies) is a great way to simplify the process. Make sure the health insurance quote web site you are using only works with reputable licensed insurance agents, solid insurance companies, and that they can be easily contacted. I simple way to see if a real person is on the other end is to simply call a conspicuously placed toll free number on the page. If a phone number isn’t present, you should consider requesting an affordable health insurance quote from another source.

         
    Since gas prices are on the rise is it smart to use gas cards and what are some ways to save money

     

    Copyright 2006 Debt Management Credit Counseling Corp. Question: Since gas prices are on the rise, is it smart to use gas cards and what are some ways to save money on gas? Answer: As we all know, gas prices have risen to an average of $3 per gallon in the United States. Since the gas prices are high again, this means that gas-rebate credit cards will be targeting consumers more than ever. There are some perks and advantages to using gas cards but there are also many disadvantages if you do not take care of your credit. Advantages Gas rebate cards offered by financial institutions and oil companies typically offer 5 to 10 cents back for every gallon of gas purchased. Some cards may also provide credit points to be used to buy other products. This can definitely save you money if you pay the entire balance off the gas card every month. Disadvantages The disadvantages of having a gas-rebate card probably outweigh the advantages for the majority of consumers. Some disadvantages of using a gas card include the following: • Gas card issuers can change interest rates, rules and fees. Make sure you read the fine print – they will inform you of changes to your card. • Gas-rebate cards are usually in the 14 to 23 percent range, depending on your credit history. • If you are late paying your gas card bill, they may raise your interest rate and can even freeze your rewards. According to an article written by Mc Nelly Torres of the South Florida Sun-Sentinel, here are the advantages and disadvantages of four different gas card programs. 1. Discovery Platinum Gas Card promises a 5 percent cash-back bonus on gas and auto parts purchases. If you are late making a payment, the percentage rate could rise to between 15.9 percent and 28.9 percent. 2. Chase PerfectCard Mastercard offers a 6 percent rebate on all gas purchases at any station for the first 90 days after the customer signs up for the card then it drops to 3 percent. The maximum rebate you can earn for gas purchases on a monthly statement is $15. But to achieve the maximum in rebates on gas purchases, you will need to spend up to $500 monthly at any gas station. 3. The Chevron/Texaco credit card program allows customers to earn 10 cents per gallon on their first 500 gallons purchased, but the offer is good for the first five billing cycles. There is another limitation: Cardholders can use the card only branded Chevron retail stores and participating local Texaco stations. 4. At Marathon gas stations, consumers can earn a 10 percent rebate if they use the Marathon Platinum Mastercard for the first 60 days after opening the account. But the rebate drops to 5 percent afterward, and the card can be used only at Marathon gas stations. Ways to save money on gas For the people who want to avoid using gas cards, there are several different ways to save money on gas. Keeping proper maintenance of your car can save you significant money. This means keeping your tires inflated to their maximum level. Having under inflated tires can waste fuel, reduce your tire life and above all are a safety issue. Make sure to get regular tune-ups and oil changes. Fresh oil will decrease gas consumption. Follow the maintenance schedule in your owner’s manual and check to see the recommended octane rating for the fuel to be used in your car. Why buy premium if you can use regular? The way you drive can directly influence your fuel consumption. Making fast starts and sudden stops can burn extra fuel. Try driving a little slower; the faster you drive the more gas you lose. Take the shorter routes for errands and also for the drive to work. Planning your routes accordingly can save you a lot of money on gas. Try public transportation. In most metropolitan areas, there are many services to choose from such as trains, subways, metro movers, trolleys and buses. If the train or bus schedules coincide with your work hours and place of work, why not use them. Last but not least, try carpooling to work. Find someone you work with that lives in the same vicinity and ask them if they will be willing to car pool with you to work and back. Work out a driving plan with that person by having them drive one week and you drive the next week. This will cut your work related gas expenditures in half for the month. This is also an excellent way to save money on gas. Sources: bankrate/brm/news/advice/20000215c. asp sun-sentinel

         
    Small business owners see benefits of banking online

     

    As it becomes easier and more convenient to bank online, small-business owners are increasingly turning to Internet banks to alleviate some of their financial headaches. Internet-based banks like NetBank are giving traditional banks some fierce competition as more small businesses make the shift to online banking. "We are extremely pleased with the success of our small-business banking initiative," said Douglas K. Freeman, chairman and chief executive officer of NetBank Inc. "More and more, small businesses are embracing the Internet and using it to do business better, faster, cheaper." Some of the ways in which NetBank makes it easy for small businesses to bank online include providing dedicated relationship managers to each of its clients; a dedicated customer care unit trained to handle the customer's small-business needs; enhanced account administration features allowing multiple users with different access levels; and a remote deposit system that allows customers to deposit checks into their accounts without leaving the office. "Small business banking is a natural extension of our services and it represents an excellent growth opportunity for us," said Bert Davis, director of small business banking for NetBank. "We can provide tremendous value from both a customer service and pricing standpoint, and that's not something a large number of small-business customers are finding today." In addition, NetBank has teamed with Wall Financial Services to provide Web-based accounts receivable lines of credit. NetBank is also working with MBNA to issue no annual-fee credit cards with a credit line of up to $100,000, while forming a partnership with CompuPay to offer specialized payroll services for small businesses. Indeed, banking online has streamlined virtually every banking task facing a small-business owner. "Our own research shows that small-business owners across the country say the Internet is either somewhat important or very important to their business," Freeman said.

         
    Small business credit cards make your accountant obsolete

     

    Small business credit cards can play an important role in the success of many enterprises and small businesses. Yet currently most folks view of small business credit cards is extremely limited. Mostly they only think of them as tools to aid them in obtaining certain incentives for small businesses that credit cards have become famous for giving. Problems That A Small Business Credit Card Can Solve The more significant potential role that small business credit cards can play is that of helping entrepreneurs manage their businesses more efficiently and easily by greatly simplifying the accounting and financial record keeping tasks. There is no doubt that this is a critical area in the management of the affairs of any business and yet keeping constantly updated and accurate records is quite a challenge for any small business. Many people thought that with the advent of popular and easy to use small business software accounting packages like Quickbooks, this problem was gone forever. Alas, some old problems persisted. One of them was that somebody still had to enter the details and somebody still had to keep all the receipts. Then there is always the struggle to separate personal expenses from business expenses for a small business. Not to mention the need to divide all the expenses into various different categories for tax reasons. All these headaches instantly create the position for a full-time, experienced and therefore expensive accountant for any small business. How Small Business Credit Card Reporting Systems Work Magic Most small business credit card statements are very detailed and immediately eliminate the cumbersome need to get and carry around receipts with you. Small business credit card statements can easily be categorized and dividing personal and business expenses is a breeze. What makes things even easier is the fact that these detailed reporting systems are accessible online and statements can easily be downloaded directly into most of the popular small business accounting packages around. What this means is that there is no need of getting somebody to key in your expenses into the system with all the possibilities of errors and omissions. So with one master genius stroke of getting a small business credit card and ensuring that all expenses are paid using it, any small enterprise instantly creates a highly efficient and paperless accounting system that virtually requires no manpower. You really need to have gone through the hassles of keeping track of your expenses by physically collecting and keeping receipts to appreciate how much of a relief a small business credit card accounting system can be. Even if you choose to retain your accountant (which you should if you can afford him), they will now get involved in doing other more useful tasks that will impact even more directly on the success of your small business like researching for lower cost vendors and generally finding new ways to reduce costs and expenses for the small business. Meanwhile your small business credit card reporting system will accomplish most of the time-consuming daily tasks of the past. And let's not forget, the frequent flyer, cash back, and other rewards small business credit cards offer are great too! Copyright 2005 Ed Vegliante.

         
    Small business success

     

    Small business is again in transition. Many employees, now working from home, are no longer tied to a geographic office and the woes of commuting. This is a relatively new phenomenon with hints of explosive sector growth in the days ahead. As this turbulent economy has forced downsizing, offshore restructuring and closures in large companies, many new entrepreneurs have been born. These are people, who instead of tirelessly attempting to find new employment and possibly enduring the same fate as previously experienced, are now starting small businesses and enjoying the benefits and perils of self-employment. There’s an old story telling of an Admiral’s decision to fight a battle against overwhelming odds. It seems that he was approaching the coast of an enemy land, with a larger naval force closing in from behind and a great army approaching from the land ahead. He prayed and then addressed his men. He announced that their battle weary forces would land on the beach ahead, dig in and prepare for the upcoming battle. There was no turning back and no other alternative. He ordered their ships burned after they landed. Their only choice was to fight to win or perish. They defeated their enemy because he eliminated any other escape route. They were fixed on the goal of survival and none other. That is the same attitude we as entrepreneurs must take. We can not afford to be denied. We must grow and prosper or our business will surely perish. We must constantly be looking for ways to cost-effectively market our business and increase sales. We must control costs and have sufficient cash flow for daily operations. Each of us must be persistent, relentless and vigilant. As CEO, we are the manufacturer, the sales team, the marketing department, legal office, accounting office, human resources manager, IT manager, the webmaster and so on. We can’t afford to be all these positions. Our job is to sell! We must locate cost effective resources to help us grow and protect our investment in our business. The growth of the internet has changed our marketplace as well. Years ago, a small business owner decided upon a geographic chunk of the market and set up shop. Today, that shop is typically located in an office at the entrepreneur’s home. The marketplace is now the world. The costs of marketing products and communicating worldwide are so low that almost anyone can take part in this revolution. Sophisticated voice mail, cell phones, email and effective ecommerce web sites now provide the illusion of size and grandeur for even the smallest home-based business. The end customer typically has no idea whether their supplier is local or across the world. He may be dressed in a shirt and tie or in his pajamas! All that typically matters is that the exchange of product and services is successfully made for a profit. It is critically important for the small, home-based entrepreneur to be aware of resources available to her as she makes this great leap. Too many people leap prematurely into business only to fail because of poor planning and insufficient financial resources. Do not get caught in this trap. Don’t quit your day job until you have enough cash on hand to pay the bills for at least a year into your new venture. Become aware of and develop the resources available to you. You want everything possible going for you as you make this leap of faith into the entrepreneurial world. There are incredible resources, partially funded by the State and private resources, available at little to no cost to entrepreneurs, with the purpose of aiding the successful growth of small business. Some additional national resources are: national business. org nase. org gosmallbiz empoweringbiz nfib. org qualitybusinessdirectory There are also numerous magazines devoted to small business, home-based business, marketing, sales, accounting, etc… Get tuned in to these and other resources available to you. Read your industry publications to stay abreast of competition and other facets of your business interests. A single legal issue, FACTA problem, accounting error or marketing miscue can put you out of business. In the case of FACTA, insufficient security or poor record-keeping these days could find you legally responsible for a single employee’s identity fraud issue, which may end up being very costly. A single lawsuit or vendor dispute can shut you down. Many entrepreneurs are ignorant, ill-prepared and under-schooled with regard to these and other issues. Do not get caught in the deadly ignorance trap. There is more opportunity available today than ever before for the wise entrepreneur. Get all you ducks in a row before you make the fateful leap into the new world marketplace. Be smart, learn all you can as quickly as possible and take action on your ideas. Like the Admiral, be determined to win in the face of what may appear to be overwhelming adversity.

         
    So do you need financial planning

     

    Well do you need Financial Planning? In this article, I will show you how you can answer this question. Immediately after we complete our college education, we automatically participate in a race call rat race. Everyone started the race with a cart. In this cart, we have personal bills, loans and our allowance. As we are single, everything is good and manageable. We can spend what we earn without worry. Then we meet our partners and get married. Thus we begin our next chapter in life. Our cart becomes heavier and we now worry about our spouse's bills and loans and kids allowance. Some of us must support our parents too. We may even need to bring our family to vocation. As we grow older, our carts get heavier and heavier. Do you have enough savings to meet these expenses? As we know, life is never a straight and smooth path. We will encounter obstacles. Some of these obstacles may set us back in terms of our financial standing. If we do encounter a big obstacle (e. g. critical illness, operation, surgery, business failure) and need a huge sum of money to recover, Do you have enough money to meet this expense? What if the big obstacle results in us being permanently bed-ridden or out of work for a long time, what is going to happen to our cart? Do you have enough money to support yourself and family if that happens? Many may say, well we have friends and relatives to turn to for help. But our friends and family have their own carts to pull too. If they help push our cart, who is going to push theirs? We will all retire from work eventually. From then on till we all rest in peace, we do not have regular income but our life must still go on. We still need to pay our bills and we still need to eat. Do you have enough money to support yourself during retirement? At old age, our body is no longer working as well as they used to. Our health conditions deteriorate, as we get older. We will need to seek medical help frequently. We may even need to employ a person to take good care of us. Do you have enough money to spend on these medical expenses? So do you need Financial Planning? If you answer ‘Yes’ to all the above questions, then you are safe and need not worry about Financial Planning. Otherwise, I suggest you start thinking about it.

         
    So where is there fast money to be made

     

    Fast money is the name of the game in this fast paced society that thrives on instant gratification. If you have to work hard for something and then don’t get it right away either, well that is just lame. So gone are the days of having the same job for 30 years and slowly building your fortune in strong solid secure types of growth funds. Hello world series of poker, good buy bond investment and working slowly up the corporate ladder. Hello companies and goodbye factory and labor industries. So is there something wrong with fast money? Not necessarily but you must be careful. Things that come fast tend to leave just as fast. Take a look at the fiasco of the late 1990s that was merely a flash in the pan. Sure, there were guys that made fortunes, but they were in the right place at the right time and they either moved on (which is what you have to do most of the time) or found something that they could do that much better than others for longer or that they could protect from competition in legal and complicated ways. The moral of the story is that you have to thrive on a feast or famine type of income. Another problem with fast money is that you can only save up so much of it at once. Most savings funds have a maximum contribution, and you can only write off so many things then you have to bite the big one and pay lots of taxes for this money that you got all at once. If you spread that money out over years of income (which often times you end up having to do for your own personal budget) than you wouldn’t pay nearly as much in taxes and you could put away a relatively larger percentage of your income away for retirement. Now there are methods of making fast money that certainly aren’t worth the cost. I am talking mainly about robbing banks, selling drugs, and other “wrong-side-of-the-law” types of things. There are also many things that aren’t necessarily illegal but would be a major compromise of you ethics like selling filthy magazines or being involved personally in the “entertainment” industry. All that to say that fast money isn’t automatically bad but you should think twice before you jump in head first imagining that life is going to be all roses and marshmallows. Either you have to be lucky or better at something than everybody else in the world and able to keep it from being imitated. Otherwise fast money is money that is fleeting and regreattable.

         
    So why has internet banking taken off in such a big way

     

    Internet banking is becoming more popular with each passing day. Fewer and fewer people are ever going to their banks, preferring instead to use the Internet to manage their money, check how much they have and pay bills. You can even pay in cheques by post, removing the reason most people go to banks. More and more banks are being established as ‘Internet banks’, working entirely online with no physical branches and customer service by email and telephone only, and many people report good experiences with these banks. So why has Internet banking taken off in such a big way? Most of the answer is to do with the adoption of broadband. Back in the days of dial-up, few people wanted to their banking on the Internet, feeling that if they had to dial then it was easier to just call the bank and not have to go through so many security checks. Since broadband came on the scene, though, more and more people have been able to check their bank account any time, both at home and at work, and have started to find the Internet to be the most convenient way of dealing with their bank account. As Internet banking saves the banks money on branches and staff, they have been keen to get as many people signed up for it as possible, sending out regular letters and trying to get people to sign up for it in the branch. They see it as a win-win situation: they make more profits, and the customers are happier at having quicker access to their accounts. Internet banks, even if they have few customers, are very profitable indeed, which allows them to offer higher interest rates to their customers than high street banks, enticing gradually more people to move away from ‘real world’ banking altogether.

         
    Soiree casino comment organiser votre soiree a domicile

     

    Plusieurs choix s'offrent а vous. Vous pouvez soit faire appelle а une sociйtй йvйnementielle qui se chargera alors de vous fournir les tables professionnelles de chaque jeux ainsi que leur croupiers ( ou croupiиres) formйs spйcialement pour vous. Oui mais voilа, reste la question du prix : environ 200 euros/ euros par table selon les organisateurs pour seulement 4 heures de plaisir. Quand vous savez qu’il faut au minimum 1 table pour le poker, 1 pour le Black jack, 1 pour la roulette et autre, les 4 heures de plaisir peuvent devenir un vйritable gouffre financier. L’autre option consiste а se procurer ces йlйments. L’avantage, c’est que l’йvиnement peut кtre renouvelй а tout moment et le plaisir du jeu durer autant que vous le souhaitez durant la soirйe. Ou se procurer les tables de jeux et cartes adйquates ? Vous pouvez vous procurez le site e. bay. fr, actuellement en vente pour 100 euros le set complet de salon. Actuellement 36 sets sont disponibles. Il comprend tous les jeux de cartes et de roulette, les jetons etc… Une excellente affaire. Sur Shopping. kelkoo. fr, un set de 3 jeux de tables tous feutrйs, 1 tableau tournant de roulette. Il comprend les jeux Roulette, de Blackjack et de dйs avec les rиgles du jeu. Ces jeux se jouent а l’aide de jetons de couleur. Son prix : 79 euros Sur Maximiles, une mallette comprenant tous les jeux tous les jeux de casino ainsi que tous les jeux de dйs et de cartes classiques. Elle inclut : 1 tapis de jeux d’йchec en velours, 1 tapis mousse double face velours (roulette + blackjack), 1 jeux de cartes, 5 dйs, 30 pions de jacquet, 32 piиces d’йchecs, 200 jetons en plastique, 1 roulette luxe, 1 plateau de jeu de jacquet. Son prix : 2860 maximiles. Et pour corser vos jeux et rester fidиle au principe du casino, multiplier vos jeux de cartes dans vos sabots !! Jusqu’а 4 jeux pour la Bataille et 6 jeux pour le Blackjack Pour embellir votre soirйe, n'hйsitez pas а concocter vous-mкme votre repas! La Pizza peut кtre de mise mais voici pour vous une recette sortie tout droit d'un des plus grand restaurant du cйlиbre Casino de Montrйal! En entrйe, offrez vous un des plats suivants : Bouquet de fines laitues et lйgumes confits, quelques chips et vinaigrette de vieux xйrиs ; Soupe de homard et son sabayon au safran ; Consommй de canard aurйolй de sa mousse cappuccino, raviole de cuisse et foie gras ; Gaspacho de fenouil et tomates, fondant de crabe aux nioras et lйgumes confits ; Cylindre de foie gras de canard confit, gelйe de vin doux aux cubes de pomme ; Duo de foie gras de canard, l’un froid en gelйe de vin doux, l’autre poкlй aux figues. Pour vos viandes : Magret de canard grillй et son jus tranchй d’huile d’olive, poкlй de pвtes fraоches au moыt de raison et viande des Grisons ; Filet de boeuf marinй а l’йchalote cuite au vin rouge rйduit, cassolette de pommes de terre nouvelles et tomates confites au thym, Longe d’agneau cuite en terre d’argile, coulis de tomates confites au jus et йpices, carrй rфti servi avec une mitonnйe de lйgumes. En Dessert: Palette de glaces et sorbets tout en "nuances" Moelleux au basilic et son coeur coulant au citron, sorbet aux framboises et sauce au pistou ; Gвteau chaud au chocolat et sa perle fondante а la vanille, glace aux pacanes et tire d'йrable. Alors, а vos fourneaux !!!

         
    Solitaire klondike learn how to play

     

    Since computers entered each and every household, classroom and office, solitaire became the most popular game. It is simple to learn, easy to play, and addictive because of its simplicity. But that was ages ago, and people have begun to grow tired of that same old game. As a result, they turned to new variations and Klondike is the most popular of them. Ironically, its not a new game. The term Klondike as a game surfaces somewhere in the latter part of the nineteen hundred, and historians suggest that it evolved from miners in the Alaskan and Californian mountains to pass the time. How Can You Play Klondike? This is not a difficult game to learn, but what's good is that though you will get the hang of it quickly, its difficult to beat in an addictive way. Its not frustrating, but fun and invigorating. One of the things you must learn is how to lay the cards out. 1) Start by placing one card on the table in front of you. Place it facing up. 2) Place another six cards to its left, but keep these facing down. 3) Place a card facing up to the card left of the first card you placed down. 4) Add another card facing down to all the remaining cards a bit below them so as to form a column. Likewise, continue by placing one open card and then by adding a closed card to the rest. If you follow the instructions properly, you should have it so that last column will have seven cards. Check also that you have twenty-four cards in your hand because these are the cards you will play with. Now What? What you have to try and do is place all the cards on the four different aces. These will appear whenever they do, and you have to try and create the four suited sequence from the ace to the king. The moment you see and ace, place it on the side and start adding the next card. (eg: After an ace, place a two and then a three.) Note that each suit must be according to colour and type. By this I mean that the ace of diamond gets only diamonds, the ace of spades gets only spade cards and so on. Likewise, you can create card sequences down on the base cards as well by placing the card lower than it of the opposite colour. For instance, under a six of clubs, you can place either a five of diamonds or a five of hearts, but the five of clubs or the five of spades is out of the question. Opening the Cards Facing Down When you can use the cards facing up, then you can open the card that appears under it. And like in regular Solitaire, when you manage to open a base card and have only six or less bases, you can open a new base by placing a King there. Moving Sequences You can also move card sequences from one base to another and this doesn't depend on the length of the sequence. All that matters is that the rules of sequence are kept. To use the cards in your hand, take the top three cards and turn them over. But remember that you can use only the top card. Only if and when you use that card, you can use the next one under it. Continue revealing batches of three. Once done, pick up all the cards and start again.

         
    Solving problems the easy way

     

    Life happens and crises occur. If we lived in a perfect world, we’d all live on beautiful beaches and never have to work! But the reality is that life is messy and sometimes our expenses are greater than our income. Here is how to deal with any negative financial situations when they arise. The first course of action is preventative: You should create a budget and stick to it. A budget is simple to create. You simply list all of your average monthly expenses on one side of a paper and all of your average monthly income on the other side. Then, make sure that the total in the income side is greater. Be sure to include on the expenses side two line items: current enjoyment and future savings. Put at least 10% of your income away into the “future savings” line and also invest a little into your current enjoyment line. It’s important to enjoy today and it’s important to have something for the future. Having a budget will help to minimize disasters that may strike. But they may still strike! When disaster strikes, though, there are options which you can take these courses of action: The first thing you should do is try to adjust your budget to pay for the problem. Perhaps you can increase your income or sacrifice a little from here or there to see that the problem is paid for. If that’s the case, that should be your priority, since your payments will take care of the problem quickly. But there are alternatives if that fails. Second, try to get a secured loan using assets you have, such as your home or other valuables. These assets will allow you to negotiate a lower interest rate and longer repayment period so that your expenses can come back in line again. For many people, a disaster means higher bills, so a secured loan is one of the best first steps to take to pay off your bills but still manage your payments over time. A third option is to get an unsecured loan. These are not nearly as good as secured loans because they can come with a higher interest rate and shorter repayment periods because the risk to the lending institution is higher. But for some people, this is the best or only option. If it’s yours, take it because an unsecured loan may still be cheaper in the long run than expensive credit card interest rates or repossessed possessions!

         
     
         
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