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Tag: Money 

Availing the Maximum Car Insurance Discounts

You have many ways that will help you reduce the monthly car insurance that you have been paying as a premium. By examining the factors that can affect the price of the premium rate of the auto insurance, you will be able to have the ability to at least lower the premiums that you are paying for the insurance as it goes.

One of the premium rate factors that can help you reduce its monthly payments will be the age of vehicle owner. Being a senior citizen at a certain age can make you avail of the senior citizen discounts which may include the car insurance that you have.

All you have to do is to present the proof that you are at that age and that you are considered to be a senior citizen. You have to go to the insurer and then process the papers that you have to present.

If you have no car insurance yet or if you want to change to another insurance company then all you have to do is to compare quotes and then look for the ones that can also offer certain discounts on auto insurance . Find the one that can give the highest or maximum discounts without eliminating some of the benefits that you need.

By doing so, you will be able to have the best deals of auto insurance when it comes to price and at the same time, the benefits. So find the insurance deals now on the Internet and get the discounts that you want to have. …

What Everybody Ought to Know About Chemistry

Have you ever met someone that right from the start you hit it off with? The interaction just flowed and you were not doing anything but being who you are. You laughed, smoked, told jokes, told stories and for just a fleeting moment you thought, "Wow this person is so cool." In that moment you are experiencing something so diverse and mystical that scientists have devoted their lives to providing exists. What is that thing? It's chemistry ….

In its simplest definition, chemistry is the interaction of one personality with another. In science when two chemicals interact we know that it can have an explosive results and the same is true when it comes to dating. Before we explore what dating chemistry is we must understand what it is not.

Chemistry is NOT just attraction …

Attraction is something you can generate in another person by banter, role-play, fun, touching and other playful activities. Chemistry is not something you do to another person it is something you have with them. In attraction you are doing actions and generating a feeling from the person, with chemistry you are not "doing" anything but you build a connection. you are trying to generate attraction you are doing actions that cause an emotional reaction in the other person.

Attraction is about doing, chemistry is about being …

Attraction is something you can generate in most people you meet; chemistry is something you find in a very rare amount of people. Just because you have similar personalities and get along does not mean you found "the one." Since we understand the differences between attraction and chemistry we should break down the types of chemistry people can have.

The way I see it, there are two types of chemistry, Personal and Sexual.

Personal Chemistry is all about your personalities. Do you have similar personality traits and commonalities? Personal chemistry is finding a person who you connect with based on who you are to the core. Personal chemistry is much deeper then commonalities like "we both enjoy the same music." Personal chemistry is a longing or drawing to each other based on personalities. This is often mystical to people because they might not know what it is about that person but they just seem so cool. This type of chemistry is often confused for attraction because of its mystical nature. There is no doubt that mystery cause of attraction and often times the root of the mystery is that people do not understand that they have personal chemistry and that have developed feelings of attraction.

Attraction can be created by chemistry but chemistry can never be created by attraction because chemistry is revealed and attraction is created.

Sexual chemistry is a draw to each other sexually. Sexual chemistry is more than just a want for your partner; it is a compatibility with each other's fantasies. If oral sex is important to you but she does not want to perform it much and is really not into it …

Investing For The Long Or Short Term

Investment is something that is on the mind of everyone. At least once we enter the stage of our life where we begin to work and support a family.

Investing can be quite different depending on your goals, whether they are short term or long term.

The most popular form of investing is investing for your retirement. An IRA is one form of investment. Monies you put in an IRA are tax deferred; In other words, you do not pay taxes on this money at the time you invest.You are limited to the amount you can use for tax deferment, up to $ 5000 beginning this year (2008). You pay no taxes on this money until you retire.

That is popular because you immediately earn on your monies. For instance, if you earned $ 30,000 in 2007 and invested $ 4000, you would only be paying tax on $ 26,000, so you have an immediate increase on your savings.

In addition there is 401 (k), Roth IRA, Keough plans and more. You owe it to yourself to talk to an investment professional and discuss which plan might suit you best.

One piece of advice for everyone, If your company offers a 401 (k) and they match a portion of your investment, take advantage of that! It's like getting an automatic raise.

For instance, if they match up to 3{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the amount you have taken out of your check, you are basically getting a 3{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} raise. Having this money come out of your check before you see it is a big plus as you do not miss what you do not have.

Investing for your retirement is quite different than investing for the short term. When you invest for retirement, you are trying to earn a good return on your money over a long period of time. If you can get 8{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} or more, you are going to multiply your money considerably, particularly if you begin this savings when you are young.

However, if you are investing for quick short term gains, chances are you will be looking into stocks or real estate or options; Something that might carry a higher risk but turn you a quicker profit.

Obviously an investment in real estate has almost always provided to be a solid investment if you choose the real estate property correctly. Short term gains in real estate can be a little trickier. Many people may opt to buy and sell real estate notes. This can be very risky but can also earn you quick profits.

I do not advise you to enter this without full knowledge of this field.

Stocks can be purchased for long term or short term investing. Stock options is an area where you can make a lot of money quickly. Of course, you can lose a lot of money quickly as well. There are courses on buying and selling options and you should read as much as you can before starting.

In addition, there are many …

Avoid Business Failure Due To Insufficient Funding

Many businesses fail as a result of insufficient funding. Over investment or loaning too much money into the business is not necessarily the answer either, but a business without sufficient funds can only fail, everually. The guidelines in this article / tutorial explain the steps to take to prevent under funding a business at its sunset and during its active life. The same guidelines can be followed when a business runs out of cash flow and when you may want to grow the business further.

Under-funding, or too low a capital investment by the owners or directors, always leads to failure, especially when funds can not be raised to float the cash flow required to operate the business adequately to produce profits and positive operating results.

Raising further funding can be complex, it is better to fund a business from your own funds for as long as possible to keep the business afloat during tough times and until it can fully stand on its own and float itself. A couple of golden rules need to be applied when starting a new business and when expanding a current business.

  • Make sure that your business plan is watertight, and that it is also realistically achievable at the same time.
  • Make sure that you put enough money into the business at the outside to keep it running for six months before showing a profit. This is because new businesses, especially, can easily take up to six months, sometimes longer, before they start to produce meaningful profits and the required cash flow. It takes time to establish a firm place in the industry or market of your business; very rarely can one hit the jackpot immediately. This is only possible if your product or service is scarce in your area.
  • Keep tight control over purchases and expenditure from the first day. Keep cross checking to the budget and the business plan.
  • Golden rules Follow to apply when purchasing a business, or a going concern.
  1. Have a qualified accountant analyze the most recent audited and certified financial statements of the business that you want to buy
  2. Ensure that all the statutory returns (taxation, regional and local authorities, employment office, etc.) have been submitted and are paid up to date.
  3. Make sure that your accountant drafts a valuation of the business from his analysis of the financial statements. He must establish whether the business is actually worth the price being asked for it. Does the price fully represent the value of the assets as shown in the balance sheet.
  4. The accountant must make sure that the royalties, if any, are worth what they are stated at in the Balance Sheet.
  5. Establish whatever the value of the Goodwill, if any, is truly representative of the customer base, or whatever the goodwill figure may represent.

This type of business collapse and failure does not need to happen to anyone, especially if these basic guidelines are followed. Wishing you every business success. …

The Importance of Business Financial Analysis and Management

Planning and Control are the two most important ingredients to a Successful Business. A Business Plan takes most of the guess work out of Business Strategy and Control through solid Financial analysis. Financial Data provides a way to gauge where you are in your Strategic Plan, telling you where changes in your Plan are necessary. Because of this, Financial Data Analysis and Management are vitally important to running a successful business.

It is extremely important to have a suitable Accounting System installed throughout your business so data acquisition is easy. You cannot manage your Business for Profitability without a good Accounting System. My CPA has a bookkeeper who comes out to the business to help install the Accounting System and show us how to work it. All of this is done with the guidance of the CPA but at a fraction of the cost. A good Bookkeeper is invaluable in helping capture Financial Data. Having an established working Accounting System in place will minimize the fees a CPA charges to analyze your tax liability and prepare your tax returns.

An Accounting System is typically built around the following key Financial Management tools:

– Income Statement (Profit & Loss Statement)

– Cash Flow Statement

– Balance Sheet

– Budget

– Breakeven Analysis

By having a Financial Management system in place, you can easily identify early warning signs or spot particularly profitable areas. Not having a system in place to analyze and organize Financial Data makes it impossible to effectively manage, grow and control a business. It makes it impossible to gauge the success (or lack there-of) of your Planning and Strategy. Moreover, used incorrectly, inaccurate Financial Data can be disastrous for a company’s livelihood.

An Accounting and Financial Management System is only as useful as it is used systematically throughout an entire business. It is extremely important to implement the system into the very fabric of the business and be used systematically. The Accounting System is a reflection of the health, or lack thereof, of a business and from which business decisions are made. Make sure to set it up right, train your people on it and most importantly, use it!

Two principal objectives of any business are to be Profitable and have Cash Flow to pay obligations. The Income Statement and Cash Flow Statement figure prominently in this area. The Income Statement represents how well a Company is operating, and the Cash Flow Statement shows how well a business is managing its Cash. Profit or Loss on one side and Liquidity on the other.

The trick is to find a good balance between Profits and Liquidity, which when not well planned for, can be very difficult to maintain. Fast Growth with high profits can drain the liquidity of a business, so being Profitable is no guarantee you’ll stay in business. The role of the existing and projected Cash Flow and Income Statement is to help you identify problems areas so you can effectively plan for them, such as raising more …

Identity Theft – 5 Ways to Protect Your Identity

The information age has brought numerous innovations and advancements to our daily routine. Cell phones, computers, and the Internet have made many of life’s challenges easier and more accessible. However, just like every other moment in our collective history, new advancements offer opportunity for those who seek to harm you or steal from you to get at your money or your most private possessions, in this case, your identity.

So what is identity theft? Identity theft is the process of someone using an identity that is not their own for any type of service, transaction, or notification. Sounds fancy huh? Let’s break it down. If someone pretends to be you in order to buy, sell, claim, announce, advertise, promote, or steal then they are committing identity theft. Identity theft is more than just someone who stole your password to your Yahoo e-mail; it is a frustrating experience that often leaves the victims feeling hopeless and clueless on how to regain their identity, not to mention how to protect their assets. They can use your identity to open up a phone account in your name, defame another individual, or the dreaded credit card account in your name.

Let’s be clear here, identity theft is NOT a product of the information age, rather it has been accelerated because of the information age. Also, identity theft has proven successful for the scam artists out there. If stealing people’s identity wasn’t working for scam artists, then it would have faded away like other social fads. You must be proactive in protecting your identity, and if you find out that you have become a victim of identity theft, you must be prepared to fight long and hard to clean up and restore your good name. Don’t think identity theft is real enough for you to be worried about it? Consider this, 1 out of every 20 people is a victim of identity theft. Here are 5 proven tips that can help you fight off identity theft.

1) Dumpster diving – Identity thieves will often get your personal information by going through trash and other disposed items. It is probably one of the most common and easiest ways for identity thieves to steal your information. However, this threat can be eliminated with a little bit of due diligence. Buy yourself a paper shredder, and shred any documents you get in the mail that have any personal information on it. This includes your name and address. If you are internet savvy, you can stop financial statements from being delivered via the mail, like bank statements and utility bills. Check your mail regularly each day and send financial mail via the post office directly or drop off boxes, not from your mailbox. In other words, don’t put checks in the mail using your mailbox, scammers have been known to drive around and collect these personal identification items. Also, if you all of a sudden begin receiving no mail for several days in a row, you may have had …

Short Term Investing – The Pros and Cons

When it comes to short term investing, it is important that you make the most money possible. Gaining a profit on your investment will not only provide you with needed money, but it will also make it possible for you to continue to invest in the short term as well as maybe in long term in the near future. There are so many pros and a few cons to investing in short term. It is important that you realize all of them before you invest so that you can have the largest profit margin available.

With short term investing, you will be able to see the profit almost immediately. You do not have to have your money out of your hands for very long so this means that if your invest fails, than you can move on to something new without having to wait in agony. This type of investing will provide higher profits while adding an increased risk factor. If you invest properly, you could see profits that are not just 6 or 7 percent of an increase but 30, 40, and even 75 percent of an increase. This is not over a longer period of time either. You will be able to count on this return every day you are invested.

You can count on your money being safe in many ways while short term investing. You can be conservative in your investing as well as have the opportunity to pull your money out. Short term investments can be looked at like a savings account for when you need it the most such as buying a car putting a down payment on a house. If you invest wisely, you will more than likely be able to profit from your investment. However, keep in mind that like any investing options, the risky you are, the more likely you are to lose your money or make a substantial profit.

With short term investing you will be able to see if your choice was a good one and then move on in the market. This allows you to learn the market, get into with a small amount of money and make adjustments as you go. Bonds, stocks, money markets, penny stocks and treasury notes are all options to look into. Overall, investing can be risky, but if you play wisely, you will more than likely be able to create a profit for yourself without risking too much of your personal money. For more information on investing in investment opportunities usually or normally not found in the marketplace, click here!…

Making Money on the Internet Means Mastering Internet Relationships

Are you intent on making money on the Internet? You're not alone. Every day, 175,000 people look for ways to use the Internet to achieve their dreams of working from home. In one sense, that's very good news. It is further proof that working from home is a viable alternative to the Rat Race. On the other hand, it means you've got a lot of work ahead of you if you'd like to stand out from the crowd and achieve a following. It means you can not just slap up some links or hold out a webpage and hope to be successful.

These days, people are looking for connection. They want to know the people they're doing business with. They want to know that they can trust you. They want to like you. They want to know what you're about and they want to feel like you know what they are about. They want to feel like you care about them and their needs.

Social media marketing can help with this, but using social media is only the first step. Here are some other things you can do to help forge relationships on the Internet.

Use Your Photograph. Do not use a logo. Use a clear face shot with you smiling. Make sure you're wearing something appropriate. A photo with you and your spouse or your kids is okay, except that social media photographs are very small and the more people you crowd into one of them the less probably it is that people will be able to see your face. When you use your own face you remove much of the fear that you're not who you say you are. Most scammers and spammers hide behind false names and do not want to go giving their photograph out. Showing yourself for who and what you are can go a long way towards removing the "walls" people put up when potential sales are about to happen.

Use Video. Video can be scary, especially if we do not like the way we look or sound on camera. But video conveys some immense advantages. Number one, it goes even further further ensuring that people know they're dealing with someone real. People will forgive your wrinkles, your high pitched voice, and the spare tire around your waist if you are likeable, delivering good information, and above all, real. Pictures, after all, can be faked too. Sometimes people just use stock photos. But video is harder to fake in that fashion. Beside, we are a television generation, conditioned to believe anyone we see in any kind of video or television-style clip is automatically more important or trustworthy. Video conveys a psychological edge as well as a content edge.

Stay Responsive. If people e-mail you or message you, then you should always take the time out to respond to them. Otherwise they will feel as though you are ignoring them in a very response-oriented forum. Once they develop that feeling, they will decide you were …

What’s the Best Way to Make Money at the Dog Track?

Success at the dog track is measured by how much money you make. It’s as simple as that. If you walk out with less money than you walked in with, you have a problem. If you walk out with more money than you walked in with, on a regular basis, you’re a winner. Of course, we all have our losing days, but you need more winning days than losing ones.

So, what’s the best way to make sure that your bankroll grows rather than shrinks? While there are a lot of different ways to handicap greyhounds, I think that there’s only one way for most people to get to where they can make money at the track almost every time they go. You do it by starting small and building up to making bigger bets.

Your instinct might be to make big, complicated bets – wheeling and keying dogs in trifectas and superfectas. Unless you have very deep pockets, phenomenal luck and fantastic handicapping skills, you’ll lose your shirt. Instead, here’s the best way to win money and keep more of it at the dog track.

Start with win bets. Find the best dog in a race and bet it to win. Use a good handicapping system and don’t bet too many bets on a program. Betting every race is the quickest way I know to empty your pockets and get discouraged. However, DO handicap every race. Play the ones you’re surest of and just watch the rest and see if your pick wins.

No one can pick a winner in every race, I don’t care how good they are at picking dogs. On a program with 10 races, the average beginner should bet no more than 3-4 dogs. Do that until you’re hitting enough so that you’re ahead on almost every program. It’s very important to keep good, written records of your picks. No changing your mind after the race because you would have picked a dog. Be honest with yourself and keep track of your wins.

When you get to where you’re picking enough winners to make a profit on them on a regular basis, increase the amount of your win bets. That’s all there is to making a consistent profit at the track. Once you’ve mastered this, you can go on to quinielas, trifectas and even superfectas. But until you develop your handicapping skills, stick with small win bets on a few races. It’s very hard to do, but worth it in the long run.…

How to Make Money Online – Where to Start?

Have you decided that there must be easier ways to make money than working day in, day out, 5 or 6 days a week? You typed in "How to make money online", or "Ways to make money on the internet".

Google gives you hundreds of pages with article websites, dedicated websites to making money and hundreds of ads on the side, promising to make you $ 100,000.00 in one month. There is almost too much information out there. AHHH where do you start?

After much searching and looking and trying different methods, I have decided that the best way to begin making money online is by affiliate marketing. This involves finding products people are selling, promoting them and receiving a commission on the sale. This way you do not need to handle stock or have expensive overheads, and yet make sure a lot of money.

Affiliate marketing can still be quite confusing and if you are not careful, you can spend hundreds of dollars without making a thing. To get your head around the basics of how to be successful, and put your efforts into the right areas, I would recommend investing in a course which steps you through how to start, what to do first, what to do next etc. A big bonus of doing this will be that they tell you the things to avoid, and how to stop wasting money on advertising which will not make you money. I wasted a lot of time and money when I began, trying to work it out myself.

Ok, so we have decided to do affiliate marketing, and now we will pay some money to learn how to do it, which one do you buy? A search on Google will give us another huge list of sites promoting to make us thousands in a day, or hundreds of thousands in six months. Which one do you choose to help you make money online?

Here are some pointers to look for when you visit these websites, which will hopefully help you to make a good choice when deciding on an affiliate marketing course.

1. Have they put their face to their website? – A site which offers a training package should at the very least prove that they are a real person, not someone trying to grab your money.
2. Are they charging a once off, or a monthly fee? – A course on how to make money online should only charge once for just providing information. If they are also providing another service, then it may still be worthwhile. There are programs out there which will provide product finding, keyword tracking, website hosting and results tracking as well as training.
3. Some training providers will offer bonuses and free information for joining. – This at least shows that they have information and are willing to give something, not just take.
4. Have other people used it and been happy? – Testimonials show that someone has used the training and been …