No matter the place you are, there are certain rules you have to abide by. If you want to visit a tribe in Equatorial Guinea or deep in rural India, you first of all need to research and know how to conduct yourself when you reach the place. You do not want to be attracting all the attention simply because you are doing stuff that is foreign to the inhabitants of that place. The same applies to casinos, well at least if you limit yourself to online casinos you may probably not know the etiquette required by a casino but if you happen to visit a land-based casino, you need to be well aware of the do’s and don’ts so as not to attract unnecessary attention from other players and casino staff.
Know the rules
If very important that you learn the rules of the game of your choice before you decide to sit at the table and embarrass yourself. For example, if you do not know how to play a game, such as poker, it would be ideal to look up how to play prior to going to the casino. There is nothing more annoying in a casino than a fellow who keeps asking for instructions in the middle of the game. Honour yourself by doing some research and knowing the ins and outs of the game before playing. You can do this in a number of ways including by playing at an online casino and learning all the tricks before making your land-based casino adventure. You can alternatively watch a game as other pros play i.e. if you are in a casino that allows such behaviour and if the players are comfortable with that and also you can get yourself a chair at the beginner section of the casino if the casino you visit offers a beginner’s table.
Know your chips
When you sit at the table, it’s no longer about using the Pound, Euro or the US, you all will be talking in terms of casino chips. This, therefore, means you need to be aware of the value of each chip. There are generally three types of chips you will encounter on the table, there is the black chip which on average has a value of $100, a green chip on average worth $25 and a red chip worth $5 on average. Also, keep in mind that it’s rude to ask for your small chips to be converted into one larger higher value tips for instance if you have 5 red chips, they equate to one green chip but never ask to convert your chip at the table. The only place you can do this is at the dealer’s table when cashing out.
Avoid smoking and drinking
Casinos, in general, do not restrict smoking nor drinking as they know that a majority of players indulge in those activities. However, they also know that they are those players who neither smoke nor drink. In order, to protect non-smokers and non-drinkers, they prefer people who are considerate when drinking i.e. those who drink not to get dangerously intoxicated and those who smoke at longer intervals. Though your casino may allow you to smoke and drink, it’s advisable not to indulge in any of these activities while at the table as you might get in the way of other players and end up inconveniencing them.
When it comes to your children’s birthdays, it’s all too easy to throw money at the problem of unique gifts without giving much thought to the memory. That’s why it’s important that you don’t think of children’s birthdays as a chore, and rather as an opportunity to bond closer to your family and create those memories that will last a lifetime. With a little planning and some consideration of your child’s age and personal interest, you could be working towards building a day full of fun and emotion that is far harder to forget than simply handing over the latest trending toy. Think outside of the toy box, and use these ideas as a springboard to creating the very best in unique birthday experiences.
For the Harry Potter fan
If your child is a bit of a Harry Potter fan then your birthday present buying is a lot easier. From toys and ornaments by official suppliers, to themed parties, it’s easy to find things to buy and activities to do that will be far better than they could have dreamed. If your child is turning 11, then that’s the perfect age to go full-on Potter crazy, and you can tie-in anything you plan with the fact that 11 is the age that children start at Hogwarts. Get some cheap prices on Ticket Sales and take the budding wizards and witches to the latest showing of Harry Potter and the Cursed Child, and you’ll never have to worry about raising a muggle ever again.
A night at the museum
It’s one thing to take the kids along to a museum, but what about spending the night there? No matter where you are in the world, it’s easy to find a museum that offers sleepover nights for younger audiences, and we all know that children love a sleepover. Sleep in the shadows of dinosaurs, wander darkened exhibitions and enjoy the atmosphere. Not only will it be exhausting for the younger birthday boys and girls, it will also provide endless conversation and discussion. Spending your time with your children is the most important gift that you can give and by combining time and interests, you can’t fail to win parent of the year. Check out your local museums, and if there’s nothing yet available, chat with them about the possibilities.
Nurture their talent
No matter how old your child may be, you can be fairly certain that they have an interest in being famous. They probably don’t even know what they want to be famous for, but between Instagram and YouTube, children are obsessed with getting rich for being themselves. Although this could be unhealthy, you can turn that into a positive by showing them some behind the scenes fun at a TV station or radio station. If you have a child who simply loves to talk, get in contact with your local radio station and find out about spending the day there. They might even let your child go live on air, and that is an experience that will never be forgotten.
Never forget that you need to tailor the birthday experience to the interests of your child. Think of the unique, and you might just end up bringing the whole family closer together, and that’s much better than handing over a gift that will be forgotten in a week.
Are you thinking about buying a used car? Buying a car that’s used is a great way to get what you want without spending a lot of money. However, you might be wondering what you need to do to go about buying a used car. This is not a complicated process, but it is important to follow certain steps in order to get the best results. Let’s take a closer look at what these steps might include.
Set a Budget: Obviously, the first step to buying a used car is deciding how much you want to spend. If you are unable to fix a budget, you can easily end up paying more than you really wanted to. It’s also important to decide how you’re going to pay for the car. Are you going to use cash, or will you take out a loan? This can have a major effect on your buying decisions. Therefore, it’s best to figure out these things as early as possible.
Decide Which Car You Want: When deciding which car you want to buy, it’s best to consider what you’re needs are. Do you have a family to take care of? Is safety your biggest concern? Or maybe you’d like to take this opportunity to buy a luxury car that you otherwise couldn’t afford. These are a few of the things to keep in mind when making your decision.
Find a Dealership: Although classified sites such as Craigslist have become popular places to search for used cars, you have to beware of scammers. Going to a reputable dealership like Sandown-group is still your best option. This way, you know you’re getting something that’s dependable at a fair price. If you’re looking for a Mercedes Dorchester, used cars are easy to find. Simply visit the Mercedes-Benz of Dorchester for beautiful luxury cars that can fit any budget.
Check the Vehicle History Report: This is one of the most important steps in the entire process. Since you’re buying a used car, you want to know how well it was taken care of by its previous owner. By checking the car’s vehicle identification number, or VIN, you can learn everything you need to know about the car’s history. This way, you’ll know if there’s anything you need to be aware of before you commit to buying a car.
Negotiate a Price: By now, you should have a good idea of what the car is worth and how much work it might require. Now it’s time to negotiate a price. Odds are, the seller is going to ask you for more than the car’s average market price. It’s best to start low, but not so low that the salesman thinks you’re not serious. If they make a counter offer, you can either meet them in the middle or gradually increase your offer by small increments. Eventually, you will settle on a price you can both agree on.
Now that you know what you need to do to buy a used car, it’s time to get started. Start setting your budget today, and soon you will own the car you always wanted.
Small business owners know best that every penny counts in its day-to-day operations. In adopting that philosophy, your ability to minimize taxes could be one of the primary factors in managing a profitable business versus one that is just barely getting by.
Sure, taxes take time. We understand that. However, it’s important to invest just a little bit of time in your taxes in order to ensure that you’re putting as much money as possible back into your pockets. Ultimately, it’s not how much you make, but rather how much you save.
CBS Business Consultants have generated the following five tax-saving tips for small business owners.
Utilize Tax Software
There is no doubt that using tax software to your advantage should be a no-brainer for small business owners. Not only will software programs such as Turbo Tax make completing your taxes easier, it will actually save your business a great deal of money as well.
In this day and age, don’t be afraid to veer away from paper and pencil tax preparation. According to the IRS, errors occur in less than one percent of online tax returns. That number is much higher with paper returns.
Track Your Spending
While tracking your spending may seem like a daunting task, it is of utmost importance. There are many credit card companies that will provide you with a “year in review” while laying out all of your transactions. Convenient, right?
Yes, online banking is easy and relatively seamless. However, there is still room for error. Consider using helpful software such as Quickbooks or Quicken. This will allow you to exploit all deductible expenses.
Fund Your Retirement Accounts First
Think about all of the retirement planning options that self-employers have. As a small business owner, you’ll have access to a Traditional IRA, SEP IRA and a 401(k). With this, you’ll be able to sock away as much as 55k per year. Taking this a step further – with a 401(k) Cash Balance Pension, you could potentially save up to 150k annually.
Contributions to these plans are tax shelters and these deductions will significantly lower your tax bill.
Use Your Home Office to Your Advantage
Do not be afraid to deduct your home office from your taxes. If you work from home, it’s at least worth looking into as it can really save you a large sum of money.
Include Your Auto Expenses
Whether or not you are aware of this, you’re allowed to deduct auto expenses when you car is used for business purposes. Consider what percentage of your car’s mileage is used for business purposes; you can apply these auto expenses to your taxes.
America is the greatest country in the world end is a shining Beacon for others all around the world. The country is made great by Americans who have any unique look at life end who support the meaning of America. The aspiration of just about every person on the planet is to be an American 1 day and participate in the American dream. This is an overwhelming motivation for many and for the fuel get the chance to become an American, they appreciate why the country is so great and why it is so important to maintain America’s standing in the world.
But what obligations do all Americans like Arden Andersen have to America? What do we owe the country? This question can stir much debate but it is an important one to ask because in understanding it, we focus our energies on things that make the Country Strong. Here are a few of the many things that Americans should feel obligated to do in order to support the strength of the country.
Volunteering has been a part of American culture for more than 100 years. During particular times of strife, for example Wars or natural disasters Americans are known for banding together and giving of the time and other resources to help their fellow Americans. Lately, the percentage of Americans volunteering has dropped from 29%, 20 years ago, to 25% today.
The drop in the amount of people volunteering has to do with the baby boomer generation aging and being less able to volunteer, the current generation of working-class Americans being too busy to volunteer, and the youth not valuing volunteering as much as you from the past. As a result many communities, nonprofits, and schools are finding it difficult to make ends meet.
Part of the challenges that volunteering these days is too often looked at as something where you give and get nothing back. This is not an accurate description of what happens when you volunteer. When you volunteer, you get a wealth of benefits in return.
In addition to helping those who are in dire need, you also get a chance to make new friends, you get to contribute in your community or two local schools, And you get to see your direct efforts make a difference. For these reasons volunteering provides as much or more than it asks. We should all make volunteering a part of our lives.
There’s a constant discussion about paying taxes in America. Everyone hates having to pay taxes, but everyone agrees that without paying them or quality of life with change significantly. In other words, taxes are necessary evil. I would actually say the taxes are necessary good. Taxes fund many of the amenities that we enjoy on a daily basis in the United States. Taxes pay for the roads, the police and fire departments, or schools, or government services, and the roads and bridges that we use to get to work or school.
Although it is true, that the federal government and many state governments mismanage tax money and they certainly need to have oversight to make sure that the money is being spent properly, but there is no doubt that tax money keeps the country going. For this reason we should grudgingly pay our taxes and not utilize some of the many ways that some individuals have found to exploit loopholes in our tax code.
What is the primary difference between traditional investments and green investments? Gregory Lindae will tell you the term green investing refers to investments which are involved in trying to improve the environment. If you’re interested in the opportunity to invest in a green company, simply continue reading to discover everything you need to know about green investing.
What is green investing? : Everything you need to know about green investing
1. Green stocks
Examples of green stocks which are offered by businesses who invest a large amount of money in research and development of green technology include Tesla, which was founded by Billionare Elon Musk and focuses on developing and manufacturing self-driven electric cars and General Electric. The latter of which has developed powerful, efficient, wind-powered electric generators.
Once you’ve found a business which focuses on developing green technology, which is listed on the stock market, you’ll be able to purchase individual stocks in your chosen company, the traditional way.
2. Opt to invest in ETF funds
The acronym ETF refers to exchange-traded funds. If you’re more comfortable choosing to diversify your investment portfolio, you may prefer to invest in ETF funds each of which is comprised of shares in a wide variety of green companies. That way, if one of the companies which is included in your chosen ETF fund crashes, you won’t lose all of the money which you invested in your ETF fund.
Choosing to invest in an ETF fund is also a wise idea if you’re interested in learning more information about a wide variety of green companies. As an example, you may discover that one of the companies which is present in your chosen ETF fund makes a reliable profit, each month and that it may be worth purchasing separate stocks in this company.
3. Examples of ETF funds
One popular ETF fund is the Pathfinder Global Responsibility Fund which is made up of 250 socially responsible green businesses, all of which boast high environmental, social and governance scores. So if you’re interested in investing in a socially responsible, green company, you may be interested in purchasing shares in the Pathfinder Global Responsibility Fund.
Another ETF fund which you may be interested in investing in is the Pathfinder Global Water Fund, which is comprised of between 50-100 companies which specialize in water treatment. Examples of some of the tasks taken on by companies which are present in the Pathfinder Global Water Fund include water treatment, the production of water pipes and pumps and specialist engineering.
If you’re interested in ensuring that the world has a never-ending supply of clean, safe water it’s well worth investing in the Pathfinder Global Water Fund. As a bonus, this particular fund does not feature any water companies who use plastic to package their water. As the production of plastic goods has an adverse effect on the environment.
If you’re sold on the idea of investing your savings into socially responsible, green companies, it’s well worth following the advice listed above in order to purchase your first shares in a green company.
Every businessman wants to become successful, but they do not all manage to do that. In fact, many prospective businessmen fail, and many successful ones have failed in the past. Indeed, a particular skill all businessmen should possess is the ability to bounce back and to learn from mistakes. Location also plays a part in things, however. For Edgar Gonzales Anaheim is the best place in the world to be a businessman, with Santa Ana a close second. However, there are other characteristics that he feels are even more important.
Who Is Edgar Gonzales Anaheim
Edgar Gonzales is a very successful businessman and a role model to may others. He is not, however, the famous Mexican American former professional baseball second baseman who also happened to be called Edgar Gonzales. Rather, he is active in Anaheim and Santa Ana in his own right, and the name association has not served him particularly well in the past, although he understands that every challenge presents an opportunity to learn and grow.
Edgar Gonzales on the Qualities of a Successful Businessman
According to Edgar Gonzales Anaheim and Santa Ana are the best places in the country right now to start a successful business. However, without the nine pointers above, even the best location in the world cannot turn someone into a success.
Patrick Dwyer Merrill Lynch concern themselves with wealth management, something quite poorly understood by many people. In essence, it means that they deal with every element of finance. They use financial planning systems such as banking and managing investment portfolios, helping their clients to increase their wealth. Most people who use wealth managers are high net worth individuals, small business owners, and wealth families. However, anyone who feels they can make their money work for them better can benefit from the services of a wealth manager.
Usually, the main element of focus for a wealth manager is to ensure money is invested in the proper places, that those investments are secure, and that their clients’ financial future looks good. This is a hugely valuable service, particularly for those who have been able to gain considerable wealth and want to maintain that. Those with a lot of wealth often also pay a lot more taxes, some of which may not need to be paid. Meanwhile, one poor investment decision could threaten a significant proportion of wealth and these risks must be properly mitigated. Those are all things a wealth manager focuses on.
Patrick Dwyer Merrill Lynch on Building Wealth Through Proper Money Management
Top tips include:
To be creative and smart. True financial news does not come from standard newspapers. It comes from those who believe in wealth and abundance, even if the times are difficult.
To work hard, but to do things you love. When people think wealth, they think money. However, true wealth is far deeper. It is about enjoying life, with the necessary finances to achieve that enjoyment. And that requires hard work as well.
To not live above your means. Too many people continue to spend more than they earn, or to spend too much to save money. This must be avoided.
To have a sound financial plan. A wealth manager can help create a workable financial plan that helps people to build their wealth.
To use time the right way. Money is not someone’s biggest asset, time is. Time can be used to make more money, or it can be used to enjoy life. Proper time management is vital for both.
To understand that wealth is in the little things. Doing something that is meaningful, maintaining loving and strong relationships, and living in excellent health are the true ingredients for richness and wealth.
To dream big. Only those who postulate what they want to achieve, who believe that anything is possible, tend to reach the greatest heights. Wealth managers all state that it is vital for people to dream big at all times.
It has been said that some people are so poor, all they have is money. Wealth managers are there to show people what to do to make their money work for them, but they are equally there to increase people’s overall enjoyment and quality of life. There are some things that money can’t buy.
The theater can be an expensive day out; with the ticket costs and food and drink, it can cost a lot to see the latest blockbuster. Instead of spending money going out, why don’t you have a movie night from the comfort of your home, perfect with friends, for a date or with your family. Here is how to have a great night from the comfort of your own home.
Why not go one step further and have a movie theme night where you must bring something relating to the movie or movies you are going to watch or wear something related to the theme. For example, if you are having a Disney night with the family or girls, you could all wear your favorite Disney pajamas. If you are having a Harry Potter marathon you could all get your wizarding hats out! This can be a bit of fun and some great picture moments.
Going to the movies is not complete without food! The best thing about being able to eat at home means you aren’t stuck to whatever your theater sells. You could have movie related food or this could be the perfect time to order from that takeaway you have always wanted to try, or perhaps everyone could bring their favorite food for everyone to share. Popcorn is an essential too, and Indreviews has reviews of the best popcorn poppers for your home for your next movie night.
This is where you could make it extra special. You could make a fort, or tell everyone to bring their pillows and duvets to make it extra cozy! You could even set up a mini theater. There are plenty of places where you can buy a cheap projector to project the film onto the wall from a laptop or TV. You could get your fairy lights from your room and light some candles if you want to make it extra special for your girls or your date.
Why not make a real night of it and have a game and movie night? This could be a drinking game (for the adults) such as every time a character says their catchphrase or does something, you must drink. If you are struggling for ideas there are so many on the internet to choose whether you watch Lord of The Rings or Marvel. You could play a quiz with trivia from your favorite movies that you are about to watch with a prize at the end, or there are many board games relating to movies such as Harry Potter Trivial Pursuit or Cluedo. For the children you may want to have questions that they need to answer throughout. If you sometimes struggle to get them to sit through a movie, this is great encouragement.
However you decide to do your movie night, do it in style and you may want to stay in more often!
Modern kitchens are designed for various purposes. Besides the work-triangle kitchen designs, modern designs aim at providing a comfortable, spacious and stylish kitchen. If you want a unique kitchen with a stylish design, think of remodelling your old kitchen. Here are great tips on how to remodel your kitchen into a unique and stylish kitchen.
Determine a layout that suits your needs
You are no longer limited to the triangular layout. You can do more in the kitchen than cooking food. Today, you can invite your friends to your kitchen for a chat. However, this kind of kitchen needs a perfect layout to create space and working area.
Use quality materials
Cabinets are the heart of the kitchen. The material you use on your cabinets determines their durability, style and appearance. Kitchen materials are available in different colours and styles. Hardwood is one of the best materials to use in your kitchen. However, you can consult a kitchen designer for other kitchen materials depending on your budget and needs.
Choose the appropriate colours
Have a theme for your kitchen. This should be guided by your taste and preference. The colour you choose can bring harmony to your kitchen. The colour you choose for your cabinets should also complement the colour of your ceiling, floor and worktops.
Visit a showroom
You need a professional designer to perfectly design your kitchen. The best place to find reputable and experienced designers is to choose the best kitchen showrooms. You can also compare different kitchens in West Sussex to choose the best layout for your kitchen.
Light up your kitchen
Kitchen remodelling also involves upgrading your kitchen lighting system. Let your fitted features be visible by choosing the right lighting system. If you are not sure, it is advisable that you consult an experienced kitchen designer. Besides a lighting system, nothing matches natural lighting. Where and how you install windows determines the amount of light in your kitchen.
Paint or stain
This is one of the difficult decisions you will encounter when remodelling a kitchen. Staining is less expensive and easy to maintain. Painting, on the other hand, requires the help of professionals.
Consider your budget
There are different remodelling options. Their costs vary depending on their style and design. Before you hire a contractor, make sure that you have a budget. It is recommended that you consult your designer for a quote.
Remodelling is the most affordable way to add value to your home. There are different ways to remodel your kitchen depending on your needs. The size of your kitchen should also determine the right kitchen layout. If you have an idea, you can seek the assistance of your contractor for upgrading.