Online Shopping Makes Saving Easier Than Ever

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Posted by Daniel | Posted in Uncategorized | Posted on 27-07-2016

No matter where you go, you see advertisements for sales and specials that can save you money, but more often than not, you’ll end up spending far more than you think you’re saving. See a dress you like? Just click the ‘add to cart’ button a few times to fill up your shopping bag, and boom! You’ll have a new wardrobe at your doorstep in a matter of days.

You can fall into a trap of spending too much, so be careful! Here are a few ways you can limit your spending and find the best deals when shopping online:

Search For Coupons Before You Buy

If you know you want to buy a product, spend a few minutes searching for a coupon! The effort is minimal, and the savings can be tremendous! For example, if you know you want to buy a new pair of glasses, search for glasses coupons online and you’ll find some great deals! Right now, a quick search on Groupon shows that you can get 20% off your order, or even better, buy one, get one free! You can save half on your glasses purchase simply by spending a minute searching for a coupon. What a time to be alive!

Set A Monthly Shopping Budget

If you’re prone to spending lots of money online, prevent yourself from going overboard by limiting your monthly shopping budget. If you are under one month, allow yourself to spend a bit more the next, but if you’re over your budget this month, you will have to limit yourself next month! A bit of spending is healthy, just be prepared to

Add Items To Your Shopping Cart and Come Back Later

When you think you want to buy something, add it to your cart, and then take a walk or sleep on it. Later, see if you really need that new pair of shoes or collectible item you were about to buy. If it’s a necessity, you’ll go ahead and purchase it, but if it’s more of a want than a need, you might have given yourself some time to avoid an unnecessary purchase and saved your money!

 

What is a Financial Spread Bet?

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Posted by MJTM | Posted in Financial | Posted on 06-05-2016

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Put simply, a financial spread bet allows you to speculate on rises and falls in the financial markets.  You can profit, or incur losses, for each point change matching the direction you predict the markets will move in.

Financial spread betting offers a number of benefits that traditional trading can’t provide, like not having to own the underlying asset which you’re trading (e.g. a share in Apple). You can place financial spread bets on thousands of global shares, indices, bonds and securities without ever having to deal directly with the markets.

What is spread?

As a trader on any derivatives market you are offered two prices either side of the underlying market price: the buy price and the sell price. The difference between these two prices is known as the spread.

For example, the underlying market price for the UK100 index is at 6500 points. Currently the bid price for this market is 6499.6 and the offer price is 6500.4. The difference between the bid and offer (6500.4 – 6499.6 = 0.8) is known as the spread.

The size of a spread is important because it is essentially the amount you are charged for every trade you make, there is no commission charged in spread betting. The tighter a spread is reflects how quickly you can start to realise profits, or losses, from the market you are trading.

How does a financial spread bet work?

A financial spread bet comes down to you predicting whether the market you are trading will rise or fall. If you are going long in the belief a market will rise, your bet will open at the offer price. Your profits will increase with each point rise above the level you entered the trade.

If you believe the markets will fall and choose to go short, your bet will open at the bid price Assuming the markets behave as you predicted, your profits will increase with each point the market falls below the price you entered the trade.

Using the UK100 example above, you speculate the UK100 will rise and go long (open a buy position) with a stake of £10 at 6500.4. As you predicted, UK100 rises 10 points to a bid/offer of 6509.6-6510.4. At this point you decide to close your position and sell at the bid price of 9509.6. Because you bought at 6500.4, you have increased your position by 9.2 points.  9.2 points multiplied by your stake of £10 gives you a tax-free profit of £92.

You will incur losses in line with each point change in the event that the markets move in the opposite direction to your position.

What are the benefits of financial spread betting?

  • Tax-free: Any profits you make from spread betting are exempt from UK Capital Gains Tax and UK Stamp Duty. This may be dependent on personal circumstances and tax laws may change.
  • Leveraged: One of the key benefits of a financial spread bet over traditional trading is that it is a leveraged product. This means that you only have to deposit a percentage, or margin, of the total notional value of your bet. This margin requirement is typically between 0.5% and 4% of the potential value of your trade.  Leverage can also work against you if the trade does not work out as expected so you need to understand this risk carefully.
  • Go long or go short: By taking a sell position, you can profit from a fall in the value of a market. Unlike traditional trading, you can always stand to profit no matter which way the markets are moving.

Risk Warning: Spread bets and CFD trades are leveraged products. Losses may exceed deposits.

https://www.corespreads.com/

An Overview of CFD Trading in Australia

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Posted by MJTM | Posted in Investment | Posted on 17-02-2016

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CFD trading in Australia is a well developed financial market in Australia with a great choice of selecting the CFD platform you want. The regulatory authority in Australia ASIC is effective in providing a good positive trading environment. Traders are free to choose the CFD platforms they want and the reliability of the platform, ease of use and convenience are the factors needed to be considered.

Since there is a big competition going among the different types of CFD brokers in Australia, it is important to make a good selection of the brokers for CFD trading in Australia. They may provide you a number of attractive offers and every broker will try to attract you with amazing offers they have. But the decision ultimately lies upon you to select the broker you want. Try to test the CFD brokers with a demo account first and check the customer care services as well. It all depends upon you to choose which broker is best for your CFD trading needs.

Markets provided by the Australian CFD brokers

There are thousands of Australians today trading on underlying instruments of CFD trading in Australia. This percentage has risen to an amazing number in the recent years and the trend is still on. This interest on the CFD trading market has risen due to the flexibility and efficiency of the trading instrument. The most popular CFD markets are-

  • Forex- This market is open 24 hours a day except on weekends
  • Index- These are tracking indicators to track the national markets
  • Commodity- It is a big market today and CFD trading in this underlying market is catching a lot of attention in the recent years with thousands of asset options to trade

Benefits of CFD trading in Australia

CFDs are actually the contract for differences and therefore you just trade on the underlying assets with the agreements and not actually owning the assets. The trader just concentrates on the movement of the prices of the assets and wins the trade if the price moves in the direction he expected. The costs associated to the holding of assets are not incurred such as stamp duty etc.

CFD trading in Australia allows you to trade with minimum deposits required to trade higher orders. This is called Leverage and many CDF brokers in Australia provide leverage as high as 100:1 where you can trade with 100 times bigger order than the money you deposit as margin. The commissions and charges in CFD trading is also lower than the other trading methods and the increase in the competition has lowered the rates to a good level.

There are thousands of underlying markets to choose from when you trade CFDs and this is not possible when you trade in other traditional methods.

 

 

Profitable Tips Every Restaurant Owner Should Know

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Posted by Daniel | Posted in Uncategorized | Posted on 31-08-2015

Doing the right things to ensure your restaurant is profitable should always be your top priority as a manager or owner. But sometimes, we can be overly giving, which can quickly plummet revenue. You have to think as a business owner, which means keeping an eye on credit card fees, growing food prices, fickle markets and so on. To help you stay on the right track with your profits, here are a couple of tips to keep in mind:

  • Avoid automatically serving up water. Giving out water to your customers without them asking could prevent them from ordering other drinks, like alcohol, sodas, milk, tea and so on.
  • Tactfully promote profitable items when guests first sit down. Have servers recommend complementary, yet profitable items with the guests’ orders.
  • Keep watch of how much is being thrown away or given out for free. You’ll likely find small items like crackers, butters, creamers, jelly and iced tea lemons are disappearing too fast. These are cheap, but can quickly add up.
  • Add items to your menu that are profitable. Aside from having your waiters promote your most profitable food choices (based on market conditions), you should also include them on your menus. Remember, your menus are your number one selling tool.
  • Buy important items in bulk. Having a reliable supplier that offers bulk deals is important for every restaurant business. This gives you the chance to save money and prevent the need to order multiple times out the month. Restaurant Discount Warehouse is an excellent place to shop for bulk restaurant supplies.
  • Bundle together meal parts, such as the appetizer, salad and entree. Having these combos will improve guests’ dining experience and maximize money spent.

With these simple tips, you can easily increase your revenue and cut back on unnecessary spending.

How to make money online without any investments?

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Posted by Daniel | Posted in Uncategorized | Posted on 25-01-2015

There are two ways to balance your budget – either through saving by spending less or by making some extra cash each month to cover for your expenses. Saving might sound easier, but often you realize that you are already at the limit, and you can’t afford to reduce your spending any more. If this is the case, there is nothing left but to make an extra buck. Some methods need an initial investment – like getting involved in a multi level marketing scheme or starting to trade Forex from home – but there are others that don’t. I will try to present some of these below.

1. Write articles and sell them

There are so many blogs and other websites out there, with one thing in common – they need quality content to grow. The content for personal blogs is written by their authors, but there are niche blogs – publications that focus on a specific topic – that often call on outsiders to provide the much needed articles. This is where you come in. Choose a topic – preferably one that you are well informed about – and create articles about it. Personal finance, business, investments, home improvements and DIY decorations or life hacks – these are popular topics nowadays.

If your articles are good enough, you will be able to sell them through various venues – websites like Fiverr, Gigbucks or Dollar3 for example, that allow you to sell your products or services for a specific amount. Take a look, gather some ideas and get started. And when you have the funds, you can create your own website and take things to the next level.

2. Take surveys for cash

This will not make you huge amounts of money, but surely beats mobile casino games when it comes to profits. Companies are always in need of feedback from their customers – you, me, anyone else. This is why they hire market research companies that are able to provide them with the much needed information, and these companies will happily pay you for your opinion. Depending on the length and complexity of a survey, you can earn between a few cents and a few bucks for each. It will not make you rich, but in the long run it can provide you with enough extra income to invest in something more fruitful.

Sometimes the companies don’t pay you in cash, but in coupons or products. Coupons can be used for saving cash when shopping, while the products – if you don’t need them – can be sold, adding a few extra bucks to your monthly budget.

Beginner’s Guide To Forex Trading

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Posted by Daniel | Posted in Investment | Posted on 15-09-2014

Trading on the foreign exchange markets, better known as Forex trading, is one of the most popular in the world and has probably benefited more than any other market from the trading allowed to smaller investors by the Internet. Forex trading basically means that foreign currency is bought and sold by a trader in the hope that a movement in the foreign exchange market will increase the value of a specific currency over another. The advent of 24 hour trading that has taken place since the Internet brought investing into the homes of everybody and everybody with an Internet connection has led to trades being made on currencies from around the World.

One of the major reasons the Forex market has become so popular with traders from around the World is the fact it has become one of the least volatile available, with an average movement each day of less than 1 percent for most currencies. The lack of volatility means these markets can be used for both long and short term investments that had, in the past, made this market one of the most important for large investors, such as banks, hedge funds and mega rich individual investors.

In Forex trading, the investor purchases an amount of currency in the hope that they will later be able to sell it for a profit, which means the invested money can be moved between different currencies to build a profit over time. The market is also one of the simplest to gauge as the investments made on a large or small scale have little impact on a day to day basis. Even the largest investment made by banks and hedge funds can only move the value of a currency by a small amount, movements are instead largely based on the long term prediction of the state of the overall economy in a specific country.

The investments made in Forex trading can be done for any length of time, with some investors moving their funds around in just minutes to look for a major profit. Others gamble that a currency will rise over the future months and take a long term view of Forex trading.

Calculate The Amount Needed To Retire | How Much Do I Need To Retire?

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Posted by MJTM | Posted in Investment | Posted on 30-04-2014

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Trying to calculate the amount of cash savings and other assets you’re going to need in place so that you can enjoy your upcoming retirement? You’re not alone. There are loads of financial planners’ advice columns available to learn from. Each of them have their own specific recommendations, but there’s something you should know: Nobody can tell you “the best” way to calculate your retirement amount. It’s not possible! Here’s why

How much do I need to retire comfortably?

You can plug your information into any online retirement fund calculator, and get many accurate, precise monetary amounts spat back at you. That’s all good – but basically worthless. You see, when you plug in those variables into those calculators, YOU are guessing at future contribution amounts. You are dictating the age when you want to retire. You are guessing the amounts you’re going to faithfully contribute. And you are assuming nothing catastrophic happens in your world, or in the financial markets realm. That’s a lot of guessing to come up with such specific numbers. Don’t you think?

Calculate Retirement Amount: Simple Example

Assume that you are 45 now, and that you would like to retire at age 65. That means you have 20 years to save and invest. You “guess” that you will live to be 80 years old, meaning you will need enough in your retirement fund to last you 15 years (80 – 65). You “choose” that you will need $30,000 annually to maintain your “chosen” lifestyle. $30,000 x 15 (years) = $450,000. Now, at 45 years old, you have 20 years to accumulate $450,000 in your retirement fund. That’s $22,500 per year. Simple mathematics, right?

But wait a minute: that’s almost all choosing and guessing! If you can foresee the future, and know that you definitely going to meet all your retirement fund investment goals, then you’re completely amazing! Most people simply can’t do it. Here’s why:

  •  You have no knowledge of or control over financial markets conditions.
  • Stock markets crash
  • Currency rates fluctuate.
  • The Prime Rate can change at any moment.
  • The amount you choose that you will need annually may have a completely different real value at your chosen retirement age.
  • You may or may not be able to make your intended contributions.

Getting the picture now?

The truth about calculating your necessary retirement amount?

Even if you are an incredibly detailed, strategic, determined and consistent person, there will be events and happenings that will occur – things you will not be able to control. It certainly doesn’t hurt a thing to use a retirement planning calculator. Go ahead: plug in some variables. Experiment with different input amounts. It’s sort of fun – and it gives you a somewhat solid basis to plan your retirement on. You just have to remember that life will happen.

Sometimes you will probably fall short of making your contributions. Other times, maybe you will exceed your intentions. In the end, as long as you’re actively planning and making the contributions you can, you’re going to be just fine. Relax and enjoy…

Don’t Order Your Checks From The Bank

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Posted by Daniel | Posted in Financial | Posted on 03-09-2013

In order to save some money there is a great option for you.  It won’t cause you any suffering due to the savings, meaning, I am not telling you to stop eating out or to sell your prized possessions.  All I am telling you do it start ordering your personal checks and business checks online! It’s that simple.  You were probably expecting something big.  While it is something small and you won’t be saving tons, it’s something easy to do so why not make the move.  No, you won’t be able to quit your day job with this kind of move, but it’s a start for your savings and it’s without breaking into any sort of sweat.

So many of us are used to doing what we have been doing for years, therefore we don’t put much thought as to why we go about doing certain things.  A good example of this how you go about getting your checks.  Before just about everything was so easily accessible online, if you wanted checks you called up your local bank and ordered them.  Now there is a far better option.  So even if you have been ordering checks for the last twenty years from the bank, I’m telling you that you are far better off buying your checks online.  The main reason, as I mentioned earlier is the savings that you will find with buying your checks online.  When you buy checks online you are buying straight from the check printers themselves.  When you buy checks from the bank on the other hand, you are paying the bank to take your checks to the checks printer.  The bank offers you checks as a service to you, but they are really not in the business of printing checks.  Therefore when you purchase checks through them, they cost you more because you are paying the middleman too. This may not save you big bucks, but you will be saving with only increased benefits, quicker turnaround time, customized checks, QuickBooks checks and so much more.

How can salespeople win contracts?

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Posted by MJTM | Posted in Business Products & Services | Posted on 24-05-2013

Those who work in sales constantly need to look to win new business. Doing so, however, is not always the easiest of tasks, especially as many organisations remain cautious about spending money in the challenging economic climate.

Luckily, there are plenty of things salespeople can do when meeting with clients to increase their chances of converting leads into new business. First of all, let’s look at the pitch you deliver. This is crucial in terms of determining whether or not a would-be client wants to do business with you, so the importance of planning exactly what you are going to say really cannot be underestimated.

If you are not already doing so, it is a good idea to think about using an ‘elevator speech’. This business concept is based on the notion that a businessperson needs to introduce themselves, the product and/or service their organisation offers and why they deserve attention in the time that it takes to travel several floors in a lift.

Ideally, such speeches should not last any more than a couple of minutes, so you may need to put in a significant amount of practice to ensure that you don’t spend too much time talking non-stop. Otherwise, you might find that listeners’ minds will start to wander and they don’t pay attention to what you have to say.

Regardless of the company you work for or what you are trying to sell, you should remember that virtually everyone you present your speech to will ask themselves “what’s in it for me?”. As such, you need to be certain your pitch highlights precisely why you (and your organisation) are worth people’s time and money.

While putting in plenty of practice is vital in coming up with a well-prepared pitch, a good salesperson should never deliver speeches that feel robotic. Instead, you ought to be prepared to tailor your talk directly to would-be customers and, of course, be ready to answer any questions that are put to you.

As a pitch ought to capture people’s imagination and make them eager to learn more about what you offer, you should spend a little time considering what things potential clients will be most interested to find out more about. How much a service will cost is often a common query among would-be clients, so it’s definitely worth having these figures to hand.

With any luck, your speech should do enough to convince a business to sign up to receive your organisation’s offering or at least encourage them to set up a second meeting in the future. Regardless of the outcome of the initial meeting, it is a good idea to give those you meet a corporate gift before you leave their office.

There’s a wide range of promotional gifts, though it is perhaps best to offer goods that executives and other decision makers will be encouraged to use on a regular basis. This could include, for example, business card holders, fountain pens and paperweights. No matter what you choose, make sure your company’s logo is clearly visible on the items you give out. That way, your brand, organisation and even your sales pitch is likely to resonate long after the meeting has ended.

Studies from the British Promotional Merchandise Association show that 56 per cent of people feel more favourable about a company that has supplied them with a promotional product. So, it could be that being given a gift gives the additional push needed to buy whatever it is you are offering.

If you’re a salesperson, please let us know what steps you are taking to make sure you are always in a position to secure new business by leaving a comment below.

 

What Secure Ways Are there To Play with Real Money on Online Casinos?

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Posted by MJTM | Posted in Financial | Posted on 23-05-2013

Online casinos can provide casino gaming options either for free or using real money. To be able to play with real money, players must use one of the many payment methods to add funds to their account. Online casinos will only support secure methods of payment as they do not wish to risk their customer’s sensitive information. Since the concept of online commerce began, many different banking services have been developed.

One choice that is becoming a favorite amongst those who use online casinos is ewalletXpress. EwalletXpress allows players to move funds from there bank account to their online casino account. A wide range of currencies are supported by this system and conversions can be made when necessary, making it easy to play on sites worldwide. EwalletXpress is a fast and secure method for transferring funds and is recognized by many casino sites. The company behind EwalletXpress uses up to date encryption software and stringent security measures.

When setting up for the first time, all financial information is only needed once, this is a positive feature for amny customers as it means there is no need to constantly type in the same information everytime you want to play online.

As soon as you have real money deposited into your online casino account, then you are ready to participate in casino gaming for cash. You can choose to play one of the many varieties of poker. Some of these games are community poker games. This means that there are certain cards revealed that anyone can use in building their hand. Texas Hold ‘Em is a common type of community poker game found at online casinos. Some community poker games like Omaha Poker have two winners. One player wins for having the highest ranking hand while another wins for having the lowest. The pot is split between the two players