For travelers and homebodies alike, losing track of personal finances is particularly easy. Managing your finances is important no matter what age group you fall under, but is especially important when you are just starting out in life. Most people don’t have a meaningful way of managing their finances or preparing them for the future and it ends up hurting them in the long run.
The most significant aspect to developing financial security is setting financial goals. You need to know what you are saving for, whether it be for short-term goals like a house or a new car or for long-term goals like retirement or your kids’ college tuitions. There are important and simple steps that everyone can make to start taking control of their personal finances.
Budget: What’s That?
Creating a budget is probably one of the most overlooked aspect of personal finances. Preparing a detailed budget allows you to plan for your financial goals and prepare for what it will take to achieve them. Simply put, a budget is a breakdown of all your expenses versus the amount of income expected for a given period of time. Ideally you will want a budget that has a surplus or extra cash after meeting all expenses, which you can use for investing, saving, or having fun.
The best way to create a budget is on a monthly basis. Add up all your living expenses such as mortgage, utilities, electric, internet, car payments, insurance, credit cards, student loans and any other payments that you have to make every month. Compare this number to your monthly income, and look at what you have left over. This will breakdown your finances and give you a better understanding of how you should spend your hard-earned money.
Once all your expenses are accounted for and your budget takes shape, you should then look at what the best options are for that extra cash that’s burning a hole in your pocket.
Taking Control of Your Debt
Debt is part of your monthly expenses, but there are strategies to paying off debt effectively. In order to get yourself in a solid financial situation, you need to pay off higher interest credit cards and private student loans because the interest rates they charge are higher and will take longer to pay off if you’re just meeting the minimum payment each month.
If you are paying off credit cards by just meeting the minimum monthly payments, it can take forever when more than half of those payments are going straight to interest charges. That is why it is so important to pay as much as you can versus just the monthly minimum. This will not only reduce your monthly interest charges as you pay the debt down, but it will also look good on your credit reports.
Reducing high interest debt is a great first step in taking control of your personal finances, but too often people, especially when they are younger, forget to set money aside for their savings as well.
The Power Of Saving
Saving can be hard because, let’s face it, we like to have fun and buy things we don’t need. However, there are some serious consequences for not saving and not having an emergency fund. What would you do if you have a serious health issue that leaves you with thousands of dollars in medical bills? What if you are suddenly let go from your job but you still have all your monthly expenses to meet? Would you have enough money set aside to contribute to these payments? Most people don’t think about these kinds of unplanned situations, so it is important to expect the unexpected so that you aren’t haunted by these events financially.
Having an emergency fund for the unexpected is not only financially responsible, but will also give you peace of mind. But then the question is, how much do you need in your emergency fund? A good rule of thumb is to have at least three months of expenses totally covered. This may not cover everything in the end, especially if you have a serious medical condition, but having at least something saved is better than nothing!
Once you have your emergency fund taken care of, you can look at building a savings. As a young professional, you have one major advantage on your side and that’s time. When you put money in a savings/investment account, you can take advantage of compounding interest, which means your money makes more money for you over time. Since you’re young and have plenty of time, it can add up to a lot. Even if you are only putting away a little bit each month, it will add up over the years and leave you sitting on a healthy nest egg.
Taking control of your personal finances takes discipline, but taking just a few simple steps can put you in a better financial situation. It’s not only responsible, it’s a smarter way to live life that will pay dividends over the long run.
Ross Cameron is a full-time day trader and owner of Warrior Trading which he founded in 2012 as a live trading chat room emphasizing education and idea generation. In 2014, he began teaching day trading classes, taking a break in 2015 to write a best-selling book How to Day Trade, which can be found at Amazon, Barnes & Noble, and other booksellers. Trading penny stocks allows Ross to travel and bring his work with him. Today he continues to trade in his chat room and teach trading courses, and lives with his family in Vermont.
Turning to Tamar Gellar for dog training is a great option for all dog owners. She takes a totally different approach to dog training in Santa Monica and the surrounding areas, giving you a unique perspective into getting your dog to want to be better behaved. By using Tamar’s training methods, you get insight as to how you can create a situation where your dog wants to please you and seeks out positive ways of getting your attention.
The Different Methods of Dog Training in Santa Monica
If you decide you want the experienced tutelage of Tamar Geller as your guide, you are going to be happy to know that she offers many different types of training. That way, you as the pet owner, can pick out what is going to work best for you and your specific situation.
Tamar offers private dog training at her home in Santa Monica for people who want some one-on-one guidance. This is great for people who like being able to ask a lot of questions as they go.
She also offers group training sessions for people who want to also socialize their dogs while being trained. This can be great for some dogs, or distracting for others.
If you like working with your dog from home, you can opt for online dog training. This lets you watch the lessons as often as you need refreshers, and gives you access to the training sessions as long as you want.
If you want help with your dog, turn to Tamar Geller. She can help you work with your dog until he or she is responding the way you want, and behaving the way that is best for your home. Give The Loved Dog a call today, and find out how Tamar Geller can help you get the dog of your dreams out of your best friend.
Sometimes the particulars of running a business – specifically running a business and filing taxes correctly – can be a bit confusing. This is especially true when you get into the exceptions regarding things like Employer Identification Numbers (EINs). For the most part, if you run a business in California then you will need to have a California EIN number. While there are one or two exceptions to this rule, they truly are few and far between. And when it’s so easy to fill out an IRS tax ID application, why risk it? Let’s look at how you can go about the application process.
IRS Tax ID Application
“Simple” is probably not the word you often associate with the IRS, and for good reason. Sometimes getting things done through them can be lengthy affairs. When it comes to completing an IRS tax ID application, however, there are services that can help. IRS-EIN, for example, is a great option that manages to take the application process and streamline it into an easy to understand form that can be completed quickly. They can help you get a California EIN number fast, in other words, sometimes as soon as the same day your application is received.
Check Tax ID Number Status
If you already have an EIN (tax ID number), you might be wondering how to check tax ID number status. There are various options. From calling the IRS to contacting your bank and asking them for the number you supplied when opening your bank account, do not fret – it is absolutely possible to recover your EIN should you have lost it or forgotten it.
Do you need to complete an IRS tax ID application in order to obtain your California EIN number? If so, allow IRS-EIN to help! They can make the experience quick and painless.
Do you really want to dress better, but seem to find that most style advice is revolving around following current trends to the letter?
Do you want to make a better first impression when you meet people every day, and look great in your clothes without also looking too flashy?
Do you still want to look like yourself, just a better-dressed version of yourself?
You’ve come to the right place.
Here are some top fashion tips for guys:
Here’s the problem with a lot of guys who suddenly embrace fashion trends: They’re aiming to look young. However, if you really want to look like a well-dressed guy, you should instead be aiming to look mature. Maturity is a very attractive quality when it comes to attracting the opposite sex, so remember that the last thing you want to do is to dress like a teenager.
Focus on Fit
One of the biggest improvements you can make when it comes to your personal style, is to ensure that everything you wear fits you impeccably. Many guys are walking around wearing clothes that are way too big, and while skinny jeans are on the way out, you can have a fitted look without looking like a hipster.
Keep it Simple
Once you begin following fashion trends, it can be tempting to overdo it. Remember: Never wear more than three colours or three different pieces of jewellery. A great outfit is a black dress shirt, black or white blazer, dark jeans, nice belt and sharp dress shoes, and you can add a flashy watch or a different piece of jewellery but that’s it.
Invest in Shoes
For women, one of the first things that they’ll notice is your shoes. Invest in a really nice pair of shoes, and keep them in excellent condition. You’ll need a pair of dress shoes, but should also grab a nice pair of desert shoes, which will allow you to be active while still looking great and feeling comfortable.
Ditch the Graphic Tees
This goes hand in hand with tip number one. They don’t make you look original, edgy, or funny, since every other guy will also be sporting graphic tees as well and you actually end up blending into the crowd. The last thing you want to do is be associated with the types of guys that never grow up (Peter Pan syndrome anyone?) So avoid the man-child look, and avoid anything that has a graphic picture on it (especially any logos- you’re not a walking billboard), and instead wear striped or solid tees, which look sharp and are easy to combine.
Choose the right jeans
Most guys choose jeans as their go-to for casual wear, and there’s nothing wrong with this choice at all. The problem is when they’re too baggy and you’re pulling them up constantly. Your jeans should be able to stay up without the use of a belt. Avoid any embellishments like bleaching, ripping or distressing as well. Keep your jeans nice and simple, follow the above tips, and you’ll be looking great.
Pros & Cons of the mental game of poker
To a certain degree when learning to play poker it is all about the width and depth of the game. In order to reach success and improve skills to a certain level, a poker player should be not only a pro in theory knowing multiple practical concepts, but he/she should also go deeper and further than these concepts and understand a game “mechanics” to get to know how everything is connected. Of course, it is not an easy task. Nevertheless, along with that, players eagerly notice their development in this particular area, and sometimes a complete understanding of one concept can give a huge desire to unpack the secrets of another concept that might change the game forever! And it absolutely doesn’t matter if they play traditional poker or use online casinos with lots of different games listed on its homepage.
Despite all these advantages and achievements that a player can get, sometimes, such an unbelievable motivation can lead to harm instead of benefit. Let’s remember how many poker newbies have lost their “road map” while learning, trying to be better than their opponents. Therefore, if you are in the process of improving the game, then it is advised to read several books, articles, etc on how effective your methods are.
Books and other informative materials
There are various materials that can help beginners as well as advanced players to proceed further with their knowledge and skills. “The mental game of poker” by Tendler is considered to be one of the best books is this sphere. It includes lots of useful concepts of poker learning as well as explains how to start in the right way, so that not to be at a loss after some time.
The learning model offered by Tender supposes 4 stages, starting from the very beginning (when a player is not competent), following by a conscious incompetence (where a player understands all his/her cons). Third stage is a conscious competence where the players already identified the areas where they make mistakes and are competent enough to correct them. And the fourth stage of poker is the Holy Grail – when this level is reached, it means that a player is really an expert in this game.
All in all…
Generally speaking, if you do everything to improve your mental skills when playing poker, then you are already on the right way. Some players falsely assume that poker – is a game that should be played with as many opponents as it is only possible to reach a certain professional level. Yet, the mental game of poker combines energetic work with structured effective learning processes. In simple words, both quality and quantity are important. Furthermore, they will never replace each other. Poker is similar to life, where balance has the most fundamental importance.
Indeed, playing in a casino, it is very hard to predict the outcome of the game. And it absolutely doesn’t matter whether it is a traditional casino with lots of table games, like poker, black jack, Baccara, etc, or an online casino that is full of online slots uk no deposit. Yet, the fact that remains the same from year to year is that there are people, who are extremely lucky, thus hit the jackpot. From the other hand, there are also players, who unfortunately lose it all. So, let’s look at the biggest win and loss of the year 2016.
$ 3,7 million win
In the middle of February 2016, the biggest jackpot was won in an online casino. It was really the largest win during the whole history of this online bookmaker. It was $3.7 million.
So, who is the lucky person, who managed to set a record and become a part of a gambling history? A 40-year-old woman living in Northern Scotland and bringing up a child alone did it. She often spent free time in front of a computer playing different games in an online casino, but the biggest present was brought from an application called “The Festival Of Lights”. She was its constant participant for more than a year and in the end, it brought her a generous gift.
It happened in one of the cold February days, when a gambling lone parent, who was spending evenings playing in online casino, turned into a multimillionaire. Of course, such a huge win is capable to change the life of absolutely every single person.
The name of this same woman is not known, since she decided to stay incognito. But she noted that it is not the first time she receives such a huge win. Last year, she won $48.000 and was very glad. But as it turned out it was just a “rehearsal” to a real triumph!
She confessed that even 2 weeks later she couldn’t believe it was all real and, therefore, has no idea how to spend the whole fortune. Yet, the thing that is definitely decided is a trip with a son to a Disneyworld!
As it was aforementioned, losses happen more frequently compared to wins and especially jackpots. And this is more than clear and understandable for each and every player. Having checked all the statistics of the year 2016, there were not noticed any big losses that are worth drawing attention to. And perhaps, it is even good, since it makes players more focused on wins!
Businesses interested in expanding their operations overseas or breaking into new markets would do well to ensure they have access to the marketing tools and advertising methods that will allow them to more easily attract and acquire new clientele. Advertising methods that may provide exceptional results in one region may be of little to no practical value in another and businesses that fail to assess and adjust their marketing strategy as they move into new markets can quickly find themselves at a real disadvantage. From quality translation services to the mobile-site optimization efforts that ensures greater numbers of visitors will be able to access their online content, there are many ways for businesses to connect with their ideal customers when working overseas.
Quality Language and Translations Services
The first step for ensuring overseas marketing success is one that small businesses that lack overseas advertising experience often overlook. Ensuring that all promotional and marketing content is professionally translated is never a concern that should be left up to chance. Poor translations and seemingly minor language errors can cause irreparable damage to a businesses brand or image, an issue that may lead to considerable harm for organizations seeking to expand their operations or market their goods and products in new regions. Electing to make use of a second rate translation service of language applications that may produce inferior results can lead to countless problems businesses would do well to avoid.
Established businesses and companies that may already have an abundance of marketing and promotional content may find that professional translation services are often all that is required in order to utilize the bulk of their existing content within overseas markets. Businesses that utilize content management systems (CMS) like Joomla hosting stand to benefit a great deal by selecting a translation or language service provider that has the experience, resources and expertise needed to update their existing content and ensure that all marketing materials are properly formatted prior to their introduction.
The overall quality of marketing content is another concern that businesses would do well to consider. CMS resources and service providers like Joomla hosting that offer tools and services needed to construct online sites, mobile applications and other digital resources can allow businesses to create and host their content with greater ease than ever before. Easier options for hosting and managing marketing content commonly lead to a drop in quality levels that may end up costing businesses much more than they might realize. Ensuring that all marketing content is topical, informative, evergreen and of the highest possible quality is something that often goes overlooked, especially by organizations whose top priority is to amass marketing content in high quantities.
Online Marketing Resources
Even the best quality content and the most professional language and translation services may fail to lead to increased sales revenue should they be poorly utilized. Online promotional methods, such as pay per click advertising that may lead to a short term increase in site traffic or search engine optimization methods that may allow new businesses to enjoy a more prominent position online, can be of tremendous benefit for expanding businesses and organizations seeking to break into overseas markets. Content management systems and providers, such as Joomla hosting, can be very helpful for businesses seeking to make a bigger splash during an overseas launch or ensuring higher levels of inbound site-traffic.
Targeting Specific Demographics
Unlike conventional advertising methods, online marketing offers the versatility and adaptability needed to focus promotional efforts on specific demographics. The ability to make contact with the potential customers most likely to require certain services or that may already be actively searching for specific products is a major advantage that can only be found through online and digital marketing. Cross promoting through sites and services that offer a similar or complementary range of products and services, utilizing social media promotional techniques to create a ripple effect and fine-tuning marketing content in order to tighten the focus on a specific audience can all make a major difference in the struggle to find success in foreign markets.
Improving Customer Service and Enhancing Customer Relationships
Repeat business opportunities are not the only reason to value customer relationships. Word of mouth advertising, positive online reviews and personal recommendations that only satisfied customers may be able to provide may play a key role in ensuring marketing campaigns and expansion efforts are able to be as successful as possible. Businesses that fail to prioritize customer satisfaction may find that CMS resources, quality content or the most well-crafted promotional campaigns are unable to produce significant or lasting results.
The falling cost and growing popularity of smartphones, tablets and other mobile devices is rapidly changing the way that businesses market themselves. While a conventional webpage is one of the pillars of an effective digital marketing campaign, mobile-site optimization is no longer a concern that organizations can afford to discount. From ensuring that all site traffic is provided with a more enjoyable browsing experience to creating applications and promotional content that targets mobile users specifically, mobile-site optimization offers a proven and effective way to optimize the results of an online or digital advertising strategy. Mobile marketing may be especially important in developing nations and foreign markets that utilize smartphones at the expense of conventional computer systems that entail greater expense or that may require additional infrastructure.
Crafting and Implementing a More Effective Marketing Campaign
Expanding operations to a new market or introducing products overseas can be a challenging undertaking, especially for businesses who fail to take stock of their existing resources or to lay the groundwork needed to ensure future marketing efforts are able to net superior results. Outlying and identifying potential marketing opportunities, taking stock of existing marketing content and learning where to find the resources needed to more effectively adapt it to a new market or demographic is an essential initial step in any overseas launch. Proper planning, access to superior resources and solutions and a more coherent plan are often the cornerstones of any marketing campaign that will allow businesses to reach their ideal customers when working overseas.
When it comes to losing weight, it’s important that you don’t always believe the hype. Your health is important, and if you’re keen to slim down, it’s crucial that you go about it in a sensible way. So, to make sure you’re not falling for the wrong advice, here are three common weight loss myths debunked.
1. The pill will make you gain weight
The combined pill is a popular contraceptive choice for many women. Despite it being a reliable and convenient way to protect yourself against unwanted pregnancy, it’s widely assumed that this method of birth control can make you gain weight. In fact, this is not true. Earlier versions of the pill contained a significantly higher level of oestrogen, which was thought to increase appetite and fluid retention. In turn, this could trigger weight gain. However, the combined pill that’s available today contains much less oestrogen, and there is little evidence to suggest it will make you put on weight. If you need further information, you can learn more about the contraceptive pill online or by speaking to your GP.
2. Skipping meals can help shift unwanted pounds
When it comes to trimming down, skipping meals is not a good idea. Avoiding eating means you’ll be missing out on essential nutrients, and it’s likely you’ll feel extremely tired and lethargic. Depriving yourself of meals will also mean that you’re much more likely to crave unhealthy snacks, which in turn could mean you end up piling on the pounds instead of shifting them. So, to lose weight in a sensible and effective way, it’s important that you stick to a healthy, balanced diet, making sure that you have regular meals throughout the day. By keeping your body nourished, as well as exercising regularly, you should find you’re able to shift those unwanted pounds.
3. ‘Reduced fat’ foods are the healthier option
If you’re making a conscious effort to lose weight, you might be tempted to purchase foods that are labelled as being ‘low’ or ‘reduced’ fat. As appealing as they might seem, it’s important to realise that while these foods may contain less fat than regular versions, they’re not always necessarily the healthier option. Reduced fat foods tend to contain a higher level of sugar, which is a big no-no for your figure if you’re keen to slim down. Instead, it’s important to look at the nutritional information provided on the packaging to make sure you’re picking out the right foods.
By doing your own research or speaking to your doctor, you’ll find it much easier to recognise fact from fiction when it comes to getting your weight under control.
I love Groupon, I love coupons, and now I have to say that I’m also a huge fan of Groupon Coupons.
Today I have some incredible deals to show you guys, in fact there are so many that I can’t even list them all here. No longer will you need to wait for coupons in the mail, walk yourself into the store and use your coupons.
Instead, you can choose from more than 70,000 different Groupon Coupons across 9,000 different stores, including the following:
- Old Navy
- New Balance
- Vitamin World
- Charlotte Russe
- Stride Rite
- Ann Taylor
- Under Armour
- Bed Bath & Beyond
- Papa Johns
- Urban Outfitters
- Bath & Body Works
- Toys R Us
You can even use your coupons at places like Costco and Walgreens- meaning when you’re stocking up on everyday items you’ll be saving money like a champ.
These coupons make life a lot easier for all of us. Instead of having to pack up the kids, find a parking spot, go into the mall, find what you need, stand in line, and go home, you can wait until the kids are occupied (or asleep) and get all of your shopping done at home.
I don’t know about you, but I’m terrible for leaving things to the last minute. When it comes to the kids birthdays and holiday season, I always find myself being ‘that person’- you know, the one who rushes down to the mall at the last minute, feeling completely stressed and likely to forget one of the key things I need anyway.
Shopping online has changed my life. You can even use these coupons on your mobile phone, which means when you’re watching soccer games, standing in line for coffee, or waiting for the kid’s dance classes to finish, you can be getting things done at the same time.
This will be especially necessary over the next few months, as we all get ready for the busiest season of the year. Halloween is just around the corner, which means you’ll need to stock up on candy and find costumes for the kids, and then Thanksgiving isn’t far away, meaning huge shopping lists and time spent with family (which means you’ll need to stock up on wine), and then Christmas and New Years will follow not long after that.
The thought of the holiday season can be exhausting, but you can save both time and money by getting things done online. You can have groceries delivered, find the perfect gifts for family and friends, and they’ll all just appear at your door like magic.
You’ll be feeling pretty smug this year when your friends are complaining about the crowds at the malls and you’re doing all of your shopping in front of the TV. But be sure to let them know that if they want to save money and spend more time relaxing, Groupon Coupons are the way to go.
Making mistakes as a Contracts For Difference trader can be very costly regardless of whether you are a beginner or experienced. Although there is no golden set of rules of becoming a successful CFD trader, you can take your trading to the next notch by avoiding some obvious mistakes. This post outlines the five common mistakes everyone makes with CFDs so that you don’t make the same errors with your money.
Trading without a strategy
According to various studies, about 80 to 90 percent of traders fail, with the lack of a trading plan being one of the primary reasons. Failure to create a trading strategy is the same as planning to fail. No standard trading plan suits everyone because every trader is unique, but various practices can give you a better chance of making more profits. For example, your plan should include things like money management techniques, risk management, entry and exit strategy as well as the exchange and instruments to use while trading.
With these in place, you will have a well-defined structure and set of guidelines for your trading activities. Having a plan is however just the first step because you need to follow it to the letter without deviating. You, therefore, have to avoid various urges, including euphoria, despair, greed or fear so that you stick to your plan.
Risking too much
Some traders fail to use stop losses and end up placing too much of their money in a single trade. Others become over confident because it worked for them once thinking that it is a cheap way to make easy money. But in essence, they find themselves risking a lot and making relatively little.
Some of the common reasons that make traders behave this way include lacking a good plan, indiscipline when following their trading strategy or receiving a euphoric high. What you should know is that earning on the stock market, especially in the CFDs is all about maximizing gains for the lowest possible risk. In fact, you should aim for a profit potential twice the size of the risk you put on a trade, a strategy known as 1:2 risk to reward ratio.
Emotional and psychological mistake
A lot of traders develop the mindset that they will get every trade right, which is a perilous mistake. Your decisions should be based on facts, historical trends, and fundamentals rather than emotions. Trading in the CFDs requires you to know how to overcome your feelings because losing could easily cause emotional distress. You need to stay put when there are no available deals, make appropriate and quick decisions when a trade presents itself and learn to walk away when it soars.
Over-trading is also a major mistake that traders who don’t follow the right techniques make. You should not have trades that you can’t maintain at any one time. Leveraging all the equity at your disposal only complicates things rather than making them better. To help you avoid over-trading, you need to know how long to stay in a trade, how much to risk and understand the kind of markets you want to deal with. If you are a short-term trader, then you will have to place several trades within a day. But for the medium and long-term trading, your trades should be fewer. For the markets that you can trade in, you need to look for a reliable site, such as the CMC Markets so that you learn everything you need and get the assistance you require.
Once you understand the markets and how they operate, try to stick with the ones you feel comfortable with. Also, start small instead of beginning with big trades. You can always increase your stake size once you learn more about the CFDs trading.
Allowing losses to run
Most traders, including the professional ones, don’t know exactly where to put a stop when their strategies start to backfire. Letting losses run is essentially when you are in a losing trade that continues to go against you hoping that it will turn around. Focus on cutting your losses early by following your trading plan (which should entail a risk management strategy). If the trade doesn’t go as you expected, exit as soon as possible so that you minimize losses.
Before you even begin trading Contracts For Difference, always ensure that you are familiar with all aspects of the product, learn the markets you will be trading in and avoid the above five mistakes. That way, your journey to becoming successful will be undoubtedly smooth.
Prev123Next Page 2 of 3