Month: March 2021

Awesome DIY ideas with Jane Clauss

Best home decor projects by Jane Clauss? Other Benefits of Crafting? Aside from its psychological benefits, crafting has other pros too. Crafters build friendships and community with like-minded people. Crafting is eco-friendly with the notion of repurposing items and crafting also makes economic sense when you up-craft items that would normally be thrown out. Now you are saving money and eliminating the need to buy more stuff.

?Aside from watching the game at your party, people love to play games! To kick off the NCAA tournament, fans turn to “Bracketology” to help fill out their brackets and see how far they can go! At your parties, everyone has probably already filled out their brackets for the Tournament but you can create your own game using the brackets that will be fun for all. Get your collegiate genius on and create a game for those basketball buffs that includes questions about NCAA teams, it’s history and facts. The game is played on an oversized bracket that can be put in the center of the room, guests have to answer trivia questions to get points and move on. You ever know who the “Cinderella” player will be. There you have it, a game plan for the March Madness party of a lifetime! And for “One Shining Moment” you will be the hostess with the mostest this tournament season. Go Team! Good Old-Fashioned pancakes ? From the kitchen of a good Greek girl, there has to be a pancake with some Greek flare. Using your traditional ingredients, add a little cinnamon to the batter. When the pancakes are ready, top them off with butter, crumbled walnuts and warm honey. Opa!

DIY ideas by janeclauss.com: If your mom loves to cook, make her some useful tools for the kitchen! She will love simple finger sized hot pads made from fabric and layers of heat resistant batting inside. You can also help mom stay organized in the kitchen with a custom recipe box made from an old cigar box. Now her “go to “ recipes at her finger tips. Most cigar stores have loads of left over boxes and are usually generous to give them away. If your mom loves clothes and shoes, help her out in the closet with a set of fabric wrapped hangers. These are so easy to make, wrap old wooden or plain hangers with fabric, secure the edges with some glue, add some pom poms, tassels or jewel to the top and you’re done. Discover even more information on craft ideas.

Tasty food recipes with Jane Clauss: Since an orange is the perfect color to masquerade as a pumpkin, it makes the perfect jack-o-lantern. To carve an orange, slice the top off first then scoop out the insides. Once it’s clean give it a quick rinse in a bleach bath to help preserve the rind. Using a hobby knife cut out the eyes and mouth. You can fill these cutie-pie pumpkin impersonators with grapes for a snack bowl for the kids or illuminate them with a tea light. Are they mini pumpkins or are they oranges? That’s what your friends will be asking with this DIY delight.

Jane is a do-it-yourself maker with contagious enthusiasm, a rip-it-apart and remake it sense of humor, and a bigger is better attitude; all on the rocks with a twist and olive! She contributes her UpCrafting tips as a BROTHER Sews Ambassador and she contributes to the monthly ENJOY Magazine, and the popular DIY site FaveCrafts. She also adds her artistic talents as a DIY features expert on television programs including: NBC’s The TODAY Show, FOX Chicago’s, WCIU’s You & Me This Morning, ABC’s Windy City Live, FOX 17 Morning Mix, Peachtree TV Atlanta and so many more across the country. Read more info at Jane Clauss. If you are still reading, loves to “up-cycle” vintage fashion and furniture into new trends, enjoys cooking for anyone who will eat it, and will jump in the ring for a good bout of kickboxing any time! Jane and her new husband, Kurt, live in Chicago!

At home auto mechanic Thatcham near me

Excellent mobile auto service Berkshire today? The air you breathe inside your car is important, which is why experts recommend you change the air filter every 12 months or 12,000 miles. Changing the air filter is something you can get done when you take your car for an oil change or a routine check. However, if you’re skilled with cars, you can change it yourself. A typical air filter costs about $10, and it takes 10 minutes to change.

If you want to know about the cost, you can call your Berkshire mobile mechanics company anytime. If you own a car, you must have heard about the mobile mechanic services. These professionals can fix the vehicle problems at the breakdown site as there will be no need to visit the mechanic workshop. In some situations, it is hard to visit the mechanic shop When your car is not starting.

Tips for you to locate the best free Collect delivery service for Car Servicing and Mot Deals around Reading and the whole of Berkshire. Check on the qualification of the mechanics. To be assured of great services, you need to check on the qualification of the experts. There are some experts who have great experience. You stand a better chance of enjoying the best services if you can go for a highly experienced car mechanic. If you can carry out research on a given car repair center, then you will be in a better position of knowing whether a given car repair centre can assure you great services. Hiring mechanics who are highly experienced will be the best idea because they will make you enjoy their great services.

Book a Car Service and combine With a Mot and we will reduce the Mot Cost to £35.00 saving you 50.00% Great offers are available for a limited time only. Also we are Now operating a Mot test reading service up to 2330pm in the evening Monday through to Saturday for those that can’t get here through the week due to work commitments, we will also collect your car anywhere within a 10 mile radius of our garage free of charge flexible collection and drop of times are also available. We now operate a 24 Hour Recovery service for our customers, have your car or van recovered to our garage to be fixed by us and we will offer a 20% discount.

We carry out all Kinds of Car Repairs Reading in Our Workshop from Car Brake Repairs, Brake Fluid Replacement ,Including General Welding to Mot Standards, Electrical Problems, Ecu Repairs including Ecu Remap, Car Air conditioning Repairs, No Job is to big or To small For Us and we offer 3 to 12 Months Guarantee on Most Car Repairs We Carry Out including a parts and Labour Warranty. Car Repairs Reading Including Car Servicing Interim Servicing From £79.00 Pounds, Full Car / Light Commercial Service from £179.00 with a 52 Point Checklist Carried out, Please ask for your service schedule when collecting your vehicle from us, we do not carry out any repairs to your vehicle without your prior agreed consent and all prices are agreed before the work is carried out at all times. Discover additional details on Mobile Mot Berkshire.

Car Bodywork Repairs Reading at The Car Accident Repair Centre Reading Berkshire We have many years experience Repairing Car Body accident Dent Repairs and major car Bodywork Repairs, we can repair the smallest dents to major car accident repairs in our in house workshop including Mechanical Repairs so there is no need to use more than one Garage for all your Car body Repair Needs, we are a One stop shop for all Car Accident Repairs, Car Mots, And General Car Repairs including car servicing are all carried out here at the Car bodywork repairs reading accident repair and Service Centre. At our Car Service Centre A Full service will include an oil change and the wheels off for a Thorough brake check service. Our rigorous regular service reduces your running costs and helps maintain the value of your car. And you can save even more with our joint MOT and car servicing package. We’ll do all the hard work and make taking care of your motor vehicle, easy.

Have you had your radiator fluid changed recently? The fluid in your radiator, antifreeze, prevents water from freezing as well as raises the boiling point to prevent your engine from overheating. Antifreeze also protects your engine from corrosion, aids heat transfer, and prevents scale from building up internally. Considering the hot summer ahead, if your fluids are old or not at the correct water to antifreeze ratio, you can expect your car to overheat. When your engine overheats, you can blow your head gasket.

Windscreen wipers: make sure your wipers clean your windscreen effectively along with the washers. Remember, any tears or holes in the wiper rubber can mean an MOT fail. Suspension check: check the shock absorbers by applying your weight to each corner of the car then quickly releasing it. The corner of the car should quickly return to its original position. If it bounces more than twice, this could mean the shock absorbers are faulty and need to be checked. Horn: give a short blast of the horn – if it doesn’t work or isn’t loud enough to attract the attention of pedestrians or other motorists, get it repaired. Discover even more information at https://www.mot-centre.com/.

The growth of a financial and political operations leader : Daryl LaFountain

Get to know Daryl La Fountain and some of his CFO achievements? Remember, although you are in growth mode, your primary role as a CEO remains the same. You must keep your company on track toward achieving its vision. This means you need to focus on ensuring you have: A reputable product or service that solves a real problem for real customers. Traction with a diverse or defensible mix of customers (i.e., a reliable client base you can nurture and grow). A strong and trustworthy management team to whom you can delegate. A plan for how you will increase the value of your company over the next five-plus years. As the CEO, your job is to get your company into a strong position so you can pursue whatever opportunities arise. Whether you believe you will eventually go public or decide to sell, it doesn’t matter. Protect yourself from distractions so you can effectively grow and improve the value of your business.

Daryl LaFountain‘s guides on improving your firm financial situation: With the advent of modern technology in the field of accounting and finance, organizing your business finances is much easier. Instead of doing the calculations and analysis of financial transactions manually, you can automate everything with the help of must-have tools and software intended for keeping track of your business finances. Also, you can better organize your company’s finances if all your financial records are automated and can be accessed digitally. For example, you can use the relevant accounting software to do online invoicing. Instead of going through the physical copies of the transactions, which is time-consuming and a bit of a hassle, using technology will allow you to automate and organize your finances better.

Once you’ve gone through a few personal finance books, you’ll realize how important it is to make sure that your expenses aren’t exceeding your income. The best way to do this is by budgeting. Once you see how the cost of your morning coffee adds up over the course of a month, you’ll realize that making small, manageable changes in your everyday expenses can have as big an impact on your financial situation as getting a raise. In addition, keeping your recurring monthly expenses as low as possible can save you significant money over time. Even if you can swing an amenity-packed apartment now, picking something plainer could let you afford to own a condo or house sooner than you otherwise would. Understanding how money works is the first step toward making your money work for you.

Sadly, you can’t really kick-start your financial future if you’re carrying a ton of debt. Between sky-high interest rates, large minimum monthly payments, and the damage lots of debt can do to your credit score, you’re better off paying your debts first. Create a debt pay-off strategy and be patient but consistent when working toward becoming debt-free. If you are serious about building wealth, then you’re going to need to put your money to work for you. This is where investing comes in. However, before you put any of your hard-earned money into investments, it’s important to have well-defined objectives. Think about what the investment is for when you’ll need your money and what your risk tolerance. Investing is a long-term activity, so you have to commit to it if you really want to see your money grow. Worried that you’ll need your money in the short term? Well, that’s what your savings accounts are for; to put aside your emergency savings and money for your short-term goals (i.e. money you’ll need in 5 years or less). You also want to make sure you have a basic understanding (at the minimum) of any investment you put your money into (e.g. the stock market, real estate, or small business). Your plans to invest should be included as a part of your monthly budget where you allocate a certain percentage of your income toward your investment goals.

About Daryl La Fountain: Daryl is an energetic professional CFO with a background in politics. Daryl has done fundraising, been a candidate, and worked in politically appointed positions in Pennsylvania and Philadelphia. Daryl has worked for Democratic candidates and nominees in 18 additional states. Reach out to Daryl about his CFO work if you: Need help in your nonprofit Finance department. Have a need for an Interim role. Would like some offsite audit preparation work.

High professionalism tax attorney in Houston

Premium IRS tax attorney in Houston, Texas? A judgment is a document signed by the judge stating whether the Defendant owes any money to the Plaintiff and if so, how much. A judgment is the end of a lawsuit. It is then up to the creditor (assuming the judgment is in favor of the creditor) and the creditor’s lawyers to try to collect on the judgment. The most common methods of collection for a debt lawsuit in Houston are as follows (note – this is not a complete list): Bank Garnishment – A creditor has the right to garnish any bank accounts that the judgment Debtor’s name is on. In special situations there are legal defenses to stop a bank account garnishment, but these rights must be asserted.

I hope that you find this website to be helpful and informative. Information on a website, however, is not a substitute for the knowledge and advice of an experienced bankruptcy attorney. Once you have had a chance to look over our website, please fill out the contact form or give us a call to talk more about the specifics of your situation. I will get back to you the same business day, if possible. Take your first step towards a fresh financial start! I think that customer service should be the number one priority in any business, but it is especially important in the bankruptcy and debt settlement field. When people are struggling financially they may be stressed, nervous and scared about their situation. The prompt returning of telephone calls and e-mails is important so as to help alleviate anxiety. You can also take comfort in knowing that you will be speaking with an attorney every time you call or come in for an appointment. Dove Law Firm, PLLC is a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code as well as resolve other debt issues.

Why call a faceless out-of-state company that takes a one-size-fits-all approach? Instead of talking to a salesperson, call a Houston tax attorney at Dove Law Firm, PLLC and meet with a Texas-licensed lawyer who will take a customized approach to solving your tax debt. An “offer in compromise” is not always realistic or the best option. A Houston tax attorney can tell you what options you may have after learning about the facts of your situation. Call a Houston tax attorney at Dove Law Firm, PLLC who will analyze your situation and develop an individualized plan to address your IRS tax debt situation. Discover extra info at https://dovebankruptcylaw.com/.

Reinvested dividends: This isn’t really a tax deduction, but it is a subtraction that can save you a lot of money. And it’s one that many taxpayers miss. If, like most investors, you have mutual fund dividends automatically invested in extra shares, remember that each reinvestment increases your “tax basis” in the stock or mutual fund. That, in turn, reduces the amount of taxable capital gain (or increases the tax-saving loss) when you sell your shares. Forgetting to include the reinvested dividends in your cost basis—which you subtract from the proceeds of sale to determine your gain—means overpaying your taxes. TurboTax Premier and Home & Business tax preparation solutions include a very cool tool—Cost Basis Lookup—that will figure your basis for you and make sure you get credit for every dime of reinvested dividends.

First, you should find a bankruptcy attorney who can provide you with a free evaluation and estimate to file. The cost to file Chapter 13 bankruptcy consists of filing fees and fees charged by a bankruptcy attorney. Applicants need to pay a $235 filing fee to the bankruptcy court, as well as a $75 miscellaneous administrative fee. A list of creditors and the amount of their claims, Disclosure of the amount and sources of the debtor’s income, A list of the debtor’s property, as well as an accounting of all contracts and leases in the debtor’s name, A breakdown of the debtor’s monthly living expenses, Tax information, including a copy of the debtor’s most recent federal tax return and a statement of any unpaid taxes.

Hold Off on Mutual Fund Purchases: People should be wary of buying mutual funds at this time of year if they will be held in a taxable account. You could get hit with a tax bill for year-end dividends even if you just purchased shares. “That’s how mutual funds work, but people don’t realize it,” says Joanna Powell, managing director in the Boston office of accounting firm CBIZ MHM. To avoid paying additional taxes, consult with a broker before making a purchase to find out when distributions are made.

Your creditor could also object and keep certain debts from getting discharged. For example, a credit card company could object to the debt from recent luxury goods purchases or cash advances, and the court may decide you still need to repay this portion of the credit card’s balance. Additionally, a Chapter 7 bankruptcy may discharge the debt you owe on secured loans. Secured loans are those backed by collateral, such as your home for a mortgage, or when a creditor has a lien on your property. However, even if the debt is discharged, the creditor may still have the right to foreclose on or repossess your property.

Alexander Powers or the upsurge of a fintech operations and crypto currency development leader

The growth of a fintech operations and crypto development consultant : Alexander David Silverstone Powers? MoneyPools Technology™ Corporation, an entity organized under the laws of the State of Wyoming, United States of America is a multi-national, vertically structured, technology development company operating in the digital asset technology sector. Crypto friendly America – Wyoming, considered the leader in US digital laws and regulation. Custodial – your wallet; your assets, instant asset exchange, instant liquidity to fiat currency, Instant conversion. Cryptocurrency, global transfer with low fees. First of its kind, US-SEC regulated Digital assets listings. Earn interest on your assets, new markets to invest, new digital bond market, global liquidity. New jobs, new opportunities, new wealth, Powers Pay global network of three billion potential user-base; Spanning 60 countries and 42 US States. Join the 21st century digital economy and be part of the economic evolution. Our vision, create wealth and create digital economy using P2P software and applications.

Alexander D Powers crypto trading tricks: The old way to validate Ethereum transactions was called ‘proof of work.’ Computers owned by humans would solve mathematical problems and burn up electricity in the process (similar to how Bitcoin works). With climate change being a hot topic, burning electricity is seen as a bad thing. With staking all you need to do if you want to validate transactions is deposit and lock up 32 Ethereum coins. When you help to validate Ethereum transactions you earn Ethereum. Why does this matter? Staking means those who validate and protect the network have to have skin in the game to do so. Skin in the game makes the people who connect to the network, and the network itself, more valuable. Staking means there will be less Ethereum available, too, because some of the supply will be locked up by those who choose to stake. Less Ethereum means more scarcity. Scarcity is a feature that has made Bitcoin incredibly valuable. It can have a similar affect on Ethereum over time. Find additional information at Alexander David Silverstone Powers.

Little pigs eat a lot, but big ones get eaten. This is especially true of market profits when trading cryptocurrencies. Wise traders never run in the direction of massive profits; nope, they don’t! They would rather stay put and gather small but sure profits from regular trades. Consider investing less of your portfolio in a market that is less liquid. Such high trades require more tolerance, while the stop loss and profit target points will be allocated further from the buying level.

The digital market is relatively new, so countries and governments are scrambling to bring in cryptocurrency taxes and rules to regulate these new currencies. If you’re not aware of these before you start trading, you may find yourself in a spot of expensive bother further down the line. Many governments are unsure of what to class cryptocurrencies as, currency or property. The U.S in 2014 introduced cryptocurrency trading rules that mean digital currencies will fall under the umbrella of property. Traders will then be classed as investors and will have to conform to complex reporting requirements. Details of which can be found by heading to the IRS notice 2014-21. On top of the possibility of complicated reporting procedures, new regulations can also impact your tax obligations. The U.S, the ‘property’ ruling means your earnings will now be deemed as capital gains tax (15%), instead of normal income tax (up to 25%). Each countries cryptocurrency tax requirements are different, and many will change as they adapt to the evolving market. Before you start trading, do your homework and find out what type of tax you’ll pay and how much.

Software developer and operator of fiat fintech, remit, neobanking, savings programs, merchant processing, payments, ewallets, advanced social media, e-commerce, billpay, Insurance, encrypted communications, sip, voip, sms connected together in a vertical network. About Alexander D Powers: Over twenty years management experience with existing and start-up companies in Africa, EU, UK, Latin America and the United States. Fifteen years experience in Latin America and Africa. US Ambassador level experience in managing public relations/media, government relations and business development. Experienced in maintaining corporate social responsibility; AML/KYC, fraud prevention, maintaining high standards in corporate reputation for the investors, regulators, clients. Advanced SEO, SMO, Email, Growth Hacking, macro-influencers implementation and developer in blockchain/fiat based banking (BaaS), payment processing and social media technology.

As head of the National lottery Cameroon, responsible for incorporation, gambling permit filing/acquisition, regulatory compliance, AML/KYC, corporate accounting, tax filing, public relations, brand Ambassadors, TV/Radio media communications, licensing gaming software for venture, marketing plans, business plans, financials, Sports bet, Casino. Managed gold and diamond mining and buying export houses in the Central African Republic/Cameroon; High-pressure operations, large amounts of cash management, High-risk operation management, Government relations, press media, investor relations.

Who is Nathan Barnwell and some of his growth hacking opinions

Hot growth hacking tricks with Nate Barnwell: There is a revolution taking place in the world of startup growth, and we wanted to help people understand this new phenomenon. Those who understand growth hacking will have a competitive advantage that is hard to overstate, and we wanted to provide a robust framework for thinking about it. This guide is for entrepreneurs, founders, growth leads, or anyone else who is trying to grow a startup. If acquiring new customers (and retaining existing ones) is important to your business then you should read this guide. If customers matter to you, then growth hacking should matter to you. Let’s begin.

The focus and the ultimate goal of all these growth strategies are to achieve growth by gaining new customers. It is not possible to achieve long-term and stable growth without a regular and loyal customer base. You can clearly identify how you must use a growth strategy in the light of various criteria such as market, customer profile, your field of activity and your product. In this context, the growth strategies used by some brands can be read as successful growth strategy examples. Cloud storage, which is used widely today, was a very new technology when Dropbox was introduced in 2008. The way of growth was to persuade people to use such a system instead of the physical storage devices used until then. The growth strategy that the company used for this purpose was market expansion. This method, which is performed through a viral loop, is based on users recommending the system to others. Normally offering 2 GB of free storage, Dropbox offered 500 MB of extra additional storage for each user registered with your referral link. In doing so, users who wanted to have up to 16 GB of free storage space recommended Dropbox to their friends and colleagues. By all means, this kind of viral method was not effective in the first months of the company. It started providing positive results in the following months and the company reached its one-millionth customer at the end of its first year. The number of customers increased to three million in the next two months. Today, the company serves more than 500 million users.

Nate Barnwell growth hacking strategies: Instead of needing as many leads as possible at the top, a viral loop funnel requires just one satisfied user to share with others. As long as every referral results in at least 1.1 new users, the system continues growing. The milestone referral model is similar to the viral loop in that it relies on incentives to kickstart and sustain it. But milestone referrals add a more intricate, progressive element to the process. Companies that leverage viral loops generally offer a flat, consistent offer for individual referrals — businesses that use milestone referrals offer rewards for hitting specific benchmarks. In many cases, “milestones” are metrics like number of referred friends. For example, a business might include different or increasingly enticing incentives that come with one, five, and 10 referrals as opposed to a fixed incentive for each individual referral. A company will often leverage this strategy to encourage users to bring on a volume of friends and family that suits its specific business goals. The strategy also adds an engaging element to the referral process. When done right, milestone referrals are simple to share with relatively straightforward objectives and enticing, tangible products as rewards.

Aside from “growth hacker” — an increasingly unpopular term — growth marketers are also sometimes referred to as: Growth marketing managers Demand generation marketers, Performance marketers, Digital marketing managers. Each of these roles are focused on growing users and revenue for a company, Jonathan Martinez, a growth marketing manager at Uber, told Nate Barnwell. However, Divisional founder Trevor Sookraj explained to Nathan Barnwell that these terms aren’t all exact synonyms for “growth marketer.” They all mean subtly different things. Performance marketers only work on paid channels, most often paid social (Facebook Ads) and SEM (AdWords). They typically don’t work with email, content, or other channels — whereas growth marketers will test out any channel.

Getting permission to run this high impact testing often requires setting up an offsite meeting with the growth team, functional leaders and the CEO. Once you’ve been given permission to test, it’s important to set up specific improvement objectives and track progress against them. This will help your team generate relevant ideas and keep everyone informed about progress. As you run higher impact testing, you should start to see some big wins. These big wins will be critical for driving broader team participation. Keeping a full team in sync around growth is not an easy task. Building the habit in the first place is even harder. But the effort is well worth it. No individual growth hacker or even a growth team can outperform a company where everyone is mobilised to accelerate growth. Discover more details on Nathan Barnwell.

It’s possible that your growth plan will encompass more than one of the initiatives outlined above, which makes sense — the best growth doesn’t happen in a vacuum. For example, growing your unit sales will result in growth in revenue — and possibly additional locations and headcount to support the increased sales. After you’ve chosen what you want to grow, you’ll need to justify why you want to grow in this area (and if growth is even possible). Conducting research on the state of your industry is the best way to determine if your desired growth is both necessary and feasible. Examples could include running surveys and focus groups with existing and potential customers or digging into existing industry research. The knowledge and facts you uncover in this step will shape the expectations and growth goals for this project to better determine a timeline, budget, and ultimate goal.

Get more cash guides in 2021 from asset management professional Farrukh Kazmi

Farrukh Kazmi investment executive professional offers advices regarding how to get more money 2020? Despite what talking heads on TV, your neighborhood life insurance salesperson, or ads from financial advisory companies would have you believe, you really don’t need a huge variety of financial products. When you make a plan for your finances in 2021, a great first step would be to minimize complexity. This can mean reducing the number of investments you have, consolidating accounts, or automating your retirement contributions. The main idea, put simply, is to reduce the amount of brain space you devote to managing your financial life and instead focus on the areas of your life that actually do merit attention (areas that only you can define). Below, you’ll find five minimalist tips to declutter your financial life.

The good news on vaccinations and stimulus means the more significant risk is that long-term interest rates rise by more than we expect. This could provide a test for the U.S. equity market, which is expensive in absolute terms and appears attractive only when compared to low Treasury yields. Equity markets can usually navigate rising bond yields if the reason for the higher yields is better prospects for economic growth. It’s a different story if yields are rising on concerns that monetary policy will be tightened. A rise in the 10-year U.S. Treasury yield toward 2.5% would provide a test for equity markets. We think, however, that market concerns the Fed is about to turn hawkish are unwarranted, and that the Treasury yield should remain below 2%. The Fed has made clear it will leave rates low for an extended period to ensure the economic recovery is sustained. The other major central banks are similarly dovish.

A company’s ability to sustain healthy dividend payouts is greatly enhanced if it has consistently low debt levels and strong cash flows, and the historical trend of the company’s performance shows steadily improving debt and cash flow figures. Since any company goes through growth and expansion cycles when it takes on more debt and has a lower cash on hand balance, it’s imperative to analyze their long-term figures rather than a shorter financial picture timeframe. In order to ascertain the investment merits of gold, let’s check its performance against that of the S&P 500 for the past 10 years. Gold has underperformed compared to the S&P 500 in the 10-year period ending Jan. 26, 2018, with the S&P GSCI index generating 3.27% compared to the The S&P 500, which has returned 10.36% over the same period.

A cash bank deposit is the simplest, most easily understandable investment asset—and the safest. Not only does it give investors precise knowledge of the interest they’ll earn, but it also guarantees they’ll get their capital back. On the downside, the interest earned from cash stored away in a savings account seldom beats inflation and loses around 2% a year. Exchange-traded funds (ETFs) have become quite popular since their introduction back in the mid-1990s. ETFs are similar to mutual funds, but they trade throughout the day, on a stock exchange, just like shares of stock. Unlike mutual funds, which are valued at the end of each trading day, ETF values fluctuate intra-day. Farrukh Kazmi is the founder of A&S Asset Management, I am committed to helping people achieve financial freedom by bringing Wall Street experience to the local investor.

Cryptocurrencies are encrypted decentralized digital currencies that are transferred between individuals. These currencies are not tangible and exist only in the electronic from, it is a digital asset that exists and remains as data. They allow a person to send money just like sending an email, much lower transaction times compared to using a bank, minimal fees, no credit cards and no middleman. The joint bookkeeping process is called a “Blockchain”, it is public and is distributed across the network of all the people that have the same coin, for example everybody that has Bitcoin has a copy of the ledger and its transactions, which creates a community of trust. Each cryptocurrency is individually identifiable and programmable based on a very complex digital code.

Hands down the quickest way to make a lot of money (well, without breaking the law). Lots of students have genuinely made £100s from this technique. It’s completely legal, risk free, tax free, and anyone over 18 in the UK can do it (Not in UK? Skip to no. 2)! It works by taking advantage of free bets regularly offered by betting sites through ‘matching’ them at a betting exchange. Matched betting eliminates the risk (you are betting both for and against a certain outcome). This leaves you being able to squeeze out the free bet, which can be as much as £200! Multiply this by how many betting sites there are and you can quite easily come away with a profit of a few hundred pounds.

Perhaps you just had a baby and want to ensure their future in case the worst happens. Many parents seek help for college savings for children and setting up estates that can convey wealth to future generations. The approach to investing at or during retirement is different than that of a young worker. As you near retirement your risk tolerance level will change, and your style of investing should change as well. Perhaps your company is offering a too-good-to-resist early-retirement package, and you want to make sure the money lasts. All of our brokerage accounts are held and available for viewing at National Financial Services, a Fidelity Investments Company. Registered Representative of and securities offered through Berthel Fisher & Company Financial Services, Inc. (BFCFS). Member FINRA/SIPC. A&S Asset Management and BFCFS are independent entities. See additional information at Farrukh Kazmi.

Even if you don’t like your full time job or dream of launching your own company, today it is the most immediate place where you can probably make more money. The simple fact is most people are underpaid but they accept the amount of money they’re getting paid because they’re either afraid of getting fired if they ask or they don’t know how to get a raise. You have the power. Don’t be afraid of your boss. For many years employers had the upper hand and have been taking advantage of their employees, but this power dynamic has shifted and in many company’s and industries, employees now have the leverage.

Unlike paper currency, coins or other assets, gold has maintained its value throughout the ages. People see gold as a way to pass on and preserve their wealth from one generation to the next. Since ancient times, people have valued the unique properties of the precious metal. Gold doesn’t corrode and can be melted over a common flame, making it easy to work with and stamp as a coin. Moreover, gold has a unique and beautiful color, unlike other elements. The atoms in gold are heavier and the electrons move faster, creating absorption of some light; a process which took Einstein’s theory of relativity to figure out.

Rhinoplasty clinic in Santa Barbara today with rhinoplasty recommendations

High professionalism nose job clinic in Santa Barbara, CA with rhinoplasty recommendations? Following your surgery, you will not be allowed to drive home by yourself. About two weeks before your procedure, you should make sure your partner/spouse, a relative or close friend will be able to give you a lift to and from the clinic where you are having your surgery performed. You also need to make sure you will have someone who can stay overnight with you for at least 24 hours following your rhinoplasty to help take care of you. While you recover for the first few weeks you may have trouble with preparing meals, so before you have rhinoplasty, you may want to batch cook and freeze food in advance. That way you can just defrost or stick it in the microwave and don’t have to fuss too much.

Prior to getting cosmetic surgery, be aware that there may be complications from the procedure. Your plastic surgeon will more than likely go over these potential complications with you. It is important for you to be aware of them. Some of the complications may include infection, swelling, increased blood pressure, and although rare, even death. Regardless of your age, you might find a little plastic surgery to be uplifting and beneficial. With some sound information, you can make the best decisions. Do your homework and make smart decisions, and you will be on your way to looking your best!

While the average health insurance policy is not going to cover the costs of treatment is deemed to be elective, a procedure of this nature could be covered if has been performed for reasons that are directly related to a deformity or a breathing problem. If at all possible, take the time to check with the insurance provider to see if pre-authorization can be obtained. It is important to provide all of the necessary information to your surgeon during consultation. Any previous nose injuries or surgeries need to be disclosed, even if they took place a long time ago. Any breathing difficulties or allergies must be disclosed. Patients must also share information that is related to their vitamins, medications, smoking or recreational drug usage. Find additional information on best rhinoplasty surgeon Santa Barbara. There is quite the collection of frequently asked questions when it comes to Rhinoplasty. Discovering the ins and outs of a procedure is the correct primary step in deciding to move forward with your decision. Let’s start with the foundational information that you need to know about Rhinoplasty to guide you through this article. What is Rhinoplasty? Rhinoplasty is also known as a nose job. It is achieved by correcting the shape and/or size of the nose, whether it be for appearance or breathing purposes, or possibly both.

Rhinoplasty is a bit risky for heart patients. It all depends on the extent of your heart disease. If you have cardiovascular disease, you can have rhinoplasty without any worries under the supervision of your cardiologist. The nose is the focal point of our face, so having a beautiful nose will definitely be one of the reasons for feeling better and more confident in your appearance. Because your airway was probably just ”perfect,” any incremental reduction in it would cause airway obstruction. That is why it is important to be evaluated by a physician who is trained in otolaryngology, or a plastic surgeon who specializes in nasal surgery so that you can get a good-looking nose that functions well.

Understandably, our physical appearance can be a hard thing to discuss, but at Cosmetic Avenue, our team is there to listen attentively with one objective in mind; giving you the best possible experience and outcome. Some medication increases bleeding such as Aspirin and Ibuprofen; you must avoid these drugs two weeks before, and after your surgery. Your doctor will give you any necessary prescribed medication and instructions on how and when to take them.

Your face is precious after all and you will have with you for life, so before deciding on having the rhinoplasty procedure, you should definitely weigh your options, do your due diligence and be sure to ask your plastic surgeon plenty of questions to determine if this surgery is right for you. Your nose is the center of symmetry in your face and even subtle alternations can dramatically change your appearance. Expectations are a critical component when selecting candidacy. The best candidates have a desire to enhance the profile of the nose, but there is not a perfection obsession. The ideal candidate is a person who does not seek a rhinoplasty to make them a happy person, as they are already happy with their daily life and are simply seeking an enhancement to self-confidence and self-esteem. It’s important to be realistic in terms of goals for your rhinoplasty results and it is critical to discuss all of your expectations and concerns with Dr. Sheffield to ensure that the outcome is in line with the surgical possibilities.

Since bruising and swelling are an unavoidable result of surgery, the weeks after your procedure are crucial to the final result. While recovery can’t be rushed, there are things you can do to ensure that healing proceeds as quickly as possible. As part of your preparation, you receive instructions on post-procedure medications. Though it might seem logical to use anti-inflammatories like aspirin, ibuprofen, or naproxen, these aren’t the best options for swelling resulting from your surgery. Precisely follow the recommendations given by Dr. Sheffield for the fastest healing. Find additional info on https://sbaesthetics.com/.

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