Understand the Basics of Spread Betting

Spread betting was started in UK in the year 1970 to speculate changing price of gold. Later it gained popularity and was used in financial companies. Today, in stock market people have started trading cautiously to earn for long term. However, one needs to have in-depth knowledge and trading mind to trade and gain profit. Spread betting is now the best ways considered to trade and the safest ways to consider. Financial betting is the safest way to earn the benefit of a changing market scenario. However, it is important to be backed by a reputable spread betting company.

If you’re a beginner and have no knowledge about the betting, then it is important to have some knowledge about it and betting safely:

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Stockpiling Works For Us (At Least For Now)

One of my long time favorite bloggers, Funny About Money, is contemplating something that you rarely hear about: Quitting Costco.  She’s finding that, for her, not going to Costco is actually saving her money.  Could bucking the stockpiling trend actually work?

I think that many people don’t even consider such a thing.  They just assume that Costco saves them money by giving them lower pricing, with the tradeoff that you have to buy in larger quantities in order to realize the lower per-unit pricing.  So, the kicker is that you have to use more in order to really realize the savings.

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Don’t Let Automatic Payments Bleed You Dry

Automatic payments and subscription payments of every kind sure are convenient. Ever wonder why they’re so convenient? Because the companies you are paying want to make sure that you keep paying, forever if possible! An automatic customer is the best possible situation for a company. Customers are hard to earn. But once a customer is on board, they tend to stick around. Get enough of these customers lined up and a company can expect stability for a long time to come.

However, this isn’t always in the best interest of the individual customer. Just because you’ve been a loyal customer to your car insurance company for many years doesn’t mean you’re getting the best rate. Far from it – oftentimes industry events and new competition could mean that you’d enjoy better terms and payments with many other companies in your town or region. But automatic payments help to keep you from thinking about that fact. Companies that accept automatic payments would like it if you never really thought about their service at all.

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4 Reasons Why I Love My Smart Meter

Do an Internet search for ‘smart meter’ and the results aren’t pretty.  Most of the top results are articles or blog posts complaining about smart meters and pretty much suggesting that everybody that has one is going to get cancer.  To that, I say, hogwash.  In fact, I’ll go so far as to say that I love my smart meter.  Yes, I used the word ‘love’ and even if I’m the only person in the world, so be it, but I think as time goes on, more people will find that their smart meter is not something to complain about, but instead something to embrace.

Smart Meters 101

First of all, what is a smart meter?

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The Neighborhood Bully Is Quiet, For Ten Months Anyway

In 2014, I agreed to join our HOA.  I took on the role of Secretary and agreed to do so for a two-year term.  This brought me front and center to dealing firsthand with a long standing member that I’ll call Howard.  He was one of the first owners in the neighborhood when it was built in the mid-1990s and has been on and off the Board for most of that time.  I’d dealt with him before when I made some inquiries to the Board.  I knew that he had an aggressive personality, but it was only when I joined the Board that I saw him for what he is.  A bully.


Our Board is made up of five positions, but it was very clear from the first time we got together that he felt he ruled the show.  He probably felt even more comfortable trying to take charge since three of the other four of us were brand new to the board at the time.

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Should You Buy A Franchise?

When people think of franchises, they often think of fast food chains that could cost more than a million dollars to start. A McDonald’s franchise, for example, requires a minimum of $750,000 in liquid assets. While signup costs include the cost of construction and equipment, they can range from $1 million to $2 million depending on location. The good news is that once the business is operating smoothly, revenues average around $2.5 million a year.  Is franchise ownership something to consider?

While the idea of opening up a fast food restaurant can be profitable, the cost of entry is what prevents most people from making the leap to having their own business. Unless they are already established business people, it’s difficult to get a bank loan large enough to cover initial costs.

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A Week Long Camping Trip At A New State Park

=Since we started camping in 2012, we’ve camped exclusively at Michigan state park campgrounds.  For the most part, we’ve found a good rotation of campgrounds that meet our needs.  These include electrical hookup, within 4-5 hours of home, and a nice beach, especially for our week long trips.  We typically do two week long trips per summer.  For the past few years, we’ve stayed at the same two campgrounds for those trips.  This year we thought it might be time for a camping trip to mix it up a bit.

Our Old Favorites

One of our campgrounds was Ludington State Park, on the shores of Lake Michigan.  It’s one of the most popular campgrounds, as it has access to Lake Michigan as well as an inland beach, lots of biking and hiking trails, and a pretty nice town nearby if you don’t mind the 15 minute trip each way.  I’ve always had a love/hate relationship with it as it’s pretty far away, it’s where our awning blew apart in a windstorm on one of our first trips, and we’ve always had bad luck getting sites, even though we’re online trying to book at 8:00:01 in the morning six months in advance of our reservation.

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How Wealth Advisors Can Offer Financial Security to Small Businesses

Financial security is vital for protecting small businesses. One of the best ways to ensure yours is by using the services of wealth advisors who can use their expert knowledge and experience in advising businesses on how best to manage their finances to protect yours. Here’s how wealth advisors can help to look after your small business:

Create a Budget and Cash Flow Plan

One of the main ways a wealth advisor can help to ensure your financial security is by helping you put together a budget and cash flow plan. As well as giving managers greater control, budgets also allow them to make decisions based on variance analysis. For example, if they spot unfavourable variances they can take actions such as, cutting out waste, increasing advertising, promotion or sales efforts.

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Tax Basics For Your Small Business

Tax law is very complicated, especially for small businesses. Employers are required to collect income withholdings from their employees, and there’s a self-employment tax for individuals who work for themselves. It doesn’t matter what type of business you’re operating (with employees or without, and even freelancing), the IRS demands that you pay. If you don’t pay you’ll face penalties and, in some cases, criminal charges.

The following lists the different types of taxes your business may have to deal with. Keep in mind, tax credits can help you lower your effective tax rate. The ADP SmartCompliance tax credits module has a database of more than 3,000 incentives and can help you claim and keep all the credits available to you. Achieving the lowest possible tax rate is complicated (less so when you outsource the effort), but the savings are worth it. At tax time, your business has two goals: be 100 percent compliant in order to avoid financial penalties/fraud charges and save money.

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