How To Make Money Work For You

How To Make Money Work For You

Do you save any money for your future? What do you do with the money you save? Do you stick it in a savings account for safe keeping, or even leave it in your checking account for a rainy day? Investing in your future and the future of your family is very important. This task is often ignored by many adults who expected social security benefits to take care of them after retirement. Now that retirees are learning the hard way how much our social security system has failed them, people need to find other ways of making their money stash grow.

It is a proven fact that it is easier to make money grow by investment than it is to make money grow by adding to it. For this reason, it is important that you learn how to make your money work for you. There are many ways that you can do this, and a large investment or risk is not always necessary.

One of the ways that you can make money work for you is through a money market account. Money market accounts are a great way to make your money work for you while still keeping it readily accessible. Unlike a certificate of deposit, a money market account has a high return and offers no penalties for early withdraw. You can actually write checks, usually three or four per month, off of your money market account. All the while, you make your money work for you to grow your investment through high interest rates.

Another low risk, high return method to make money work for you is to invest in mutual funds. Mutual funds are a great way to make money work for you because there is no need to monitor stocks yourself. The broker handles all of these things for you and the others in the mutual fund. While some mutual funds are risky, there are many mutual funds that do very well and accept new investors.

Another but high risk way to make money work for you is to invest in stocks, bonds, or commodities on your own through a stock broker. You can easily make money work for you by investing in futures and commodities due to the high returns that can come from these investments. However, these investments are a lot more risky, and should only be taken on if you are certain that you can spare the money that you are investing.

To learn about more ways that you can make money work for you, contact a financial advisor, retirement planning expert, or stock broker. These professionals are your best resources for learning about the different ways that you can make money work for you while protecting your investment and your retirement.

A true real estate coach is one who is able to coach interested individuals in real estate, about maintaining performance improvement and hatching strategic plans for real estate success

A true real estate coach is one who is able to coach interested individuals in real estate, about maintaining performance improvement and hatching strategic plans for real estate success

Putting in a classified advertisement in the newspapers about your desire to buy houses can fetch you a myriad of positive responses because many people trust classified advertisements more than ordinary ones.|Real estate marketing is even more powerful on the internet because of a variety of tool such as bogging, article marketing and e-marketing; these tools create awareness of real estate deals a great deal faster.

The word ‘fair market value refers to the lowest price a seller of a property is willing to let go for his home and the highest price a buyer is wiling to pay for it; it is usually calculated after a real estate appraiser has appraised the property.|Signs are one way used by real estate investors to create awareness; they paste signs about their objective in places where people can’t miss them like traffic light junctions or train stations.|Real estate marketing has incorporated SEO into their scheme of things; this means search engine optionization and basically covers everything that has to do with the search of real estate business on line.

Real estate investment business focuses on the rental potential; the higher the possibility of rentals, the higher the returns on investments and vice versa; this is what you should consider when thinking of investing in real estate.|Information obtained from a real estate agents about a home can be used to sell a property to a potential buyer or rent it out to a potential tenant e.g. proximity to a store, school or other edges the house has over others.

A real estate investment club gives you the opportunity to learn about certain techniques of investments that have given other investors considerable success; joining one will definitely benefit you.|Comparative market analysis is a real estate term that is defined as the comparison of various sale prices of similar properties within particular vicinity; this contrasting exercise allows real estate agents arrive at a fair market value price for your property.|The manner in which content is collected, structured, arranged, and placed on your real estate website can make it qualify enough to be linked to famous search engines such as Google, yahoo or Msn; this will only enhance your reputation as a real estate business person.

Soccer Betting Odds

There are a number of ways to bet on soccer matches. You can place futures bets that are graded after the tournament is complete, or you can make match betting wagers that are graded only on the result of a particular game. In either case, winning a soccer wager requires knowledge of both the sport and the teams and players. It also requires an understanding of how to read and interpret soccer betting odds.

To bet on a team, you must first sign up for an account at a sportsbook that accepts your preferred payment method. Once you have done that, you can start placing bets on your favorite team. Some online sportsbooks even have mobile apps so you can bet from your phone or tablet.

Another way to bet on soccer games is through prop bets, or proposition bets. These are a more specific type of bet on a particular game or player, and they can help you make some extra money while watching the games. You can find out more about these bets by visiting our prop bets guide.

Before making a bet, you should always look at the team’s current and upcoming schedule. This will give you a good idea of how much time the team has to rest and recover between matches. It will also tell you how far the team has to travel for their next match. In addition, you should look at a team’s recent results and injuries. This will give you a better idea of how well the team is playing and whether they are likely to win or lose.

If want to bet on a team to win a match, you can use our odds calculator to see how much you will win based on the current odds and amount wagered. You can also place a two-way moneyline bet, which is graded on the results of both teams. This is a more risky bet, but can pay off big if the underdog wins.

Another popular option for wagering on soccer is the three-way moneyline. This bet allows you to choose between a win for Team 1, a win for Team 2, and a tie after regulation time. bk8 พนันฟุตบอล set these odds based on the strength of each team, their past performances, and the likelihood of a draw after 90 minutes of play.

You can also bet on soccer totals, which are similar to spread and handicap bets but have a few twists. In soccer totals, you can bet on the over or under a specific number of goals that will be scored in the match. These lines are usually set by oddsmakers after the game has begun and so are more prone to mistakes than those that are made before the match.

You can also bet on individual goals in soccer. This is a fun and easy bet to place, and can be very lucrative if you get it right. You can place this bet with any online sportsbook that offers this feature, and there are plenty of options to choose from.

Discover Money Market Investing For Increasing Your Wealth

With today’s economic conditions, many people are looking for different ways to invest their money. If you have always been a stock market person, chances are you are checking out other ideas. If you have always thought about real estate, you might be contemplating taking advantage of the low prices and foreclosures. If you are looking for different options, you might want to consider money market investing, as it has some advantages.

What exactly is money market investing? Money market investing is using your funds in short-term debt investments. Money market funds are categorized according to the type of debt they purchase; government money market funds, or money funds, invest in US government securities; corporate, or nongovernment money funds, invest in businesses; tax-free money market investing involves money funds that invest in municipal interests.

Unlike a money market account, which is really just a bank savings account that tends to yield a higher interest rate than a typical savings plan. It has limitations placed on it, which are essentially limitations on the number of transactions – withdrawals — you can make. Because they are really just modified bank accounts, they fall under the FDIC protection. Money market funds carry no such protection. They are not FDIC-insured. Risk is limited, however, by the SEC regulation that requires that the average maturity of funds in a money market fund to mature in ninety or fewer days.

Because the term is so short for money market investing, the percent yield quote is usually identified as a seven-day yield rather than the typical annual percentage yield (APY). The advantages of money market investing include:

• They are short term.
• They are considered relatively safe.
• They typically offer the possibility of higher returns than a CD.
• They may offer tax advantages if you purchase tax-free funds.
• They are accessible to smaller, less-experienced investors.
• They can provide ease of accessibility if necessary.
• They can serve as temporary holding places for money while you consider other investment options.
• They are readily available by brokers, at mutual fund companies, and at some banks.

The risks associated with money market investing include:
• The possibility of losing money exists even though it is less than other forms of investing.
• The lack of insurance from the FDIC or any other government agency.
• The variable nature of the rates. Your rate can go up or down from month to month.
• The longer you invest in money market funds, the more that inflation can eat away at your profits, since long term returns are less than long term returns on investments that carry greater risk.

If you are interested in moving your investment money to a relatively safe environment that has a bit better rate than a savings account, you may want to consider short term money market investing. Consult your investment professional for so good advice for our particular situation and goals.



20/449 = 4.45%


Pechanga Casino is California’s only four-diamond resort-casino. Pechanga Casino earns the distinction of being the winner of “California’s Best Casino” title. Pechanga Casino has 522 guest rooms, seven restaurants, 1,200-capacity theater and many more. Pechanga Casino is located at the heart of Southern California in Temecula Valley. Pechanga Casino is close to some 20 wineries. A drive to Pechanga Casino will take you to the most scenic spots of Temecula Valley.
Pechanga Casino has 2,000 high tech slot machines spread across the 88,000 square foot casino provided with “clean air” filtration system.   Pechanga casino has two separate areas of the casino floor. Sixty table games for Balckjack, Pai Gow, Let it Ride, 3-card poker and mini baccarat and a private non-smoking poker room with 27 gaming tables. Pechanga Casino features the Vegas style blackjack. Pechanga Casino has forty-nine tables for no collection blackjack with $5 to $5,000 limits. This is available everyday. Smoking and non-smoking areas to play blackjack is provided for your added enjoyment.
Let it Ride is another game offered in Pechanga Casino. This game in Pechanga Casino is played by using three dealt cards combined with two “community cards” that the dealer will expose to get the best possible Poker hand. Each player must place three bets of equal amounts. They are dealt three cards. The dealer then gets two cards, face down. After you see your three cards, you can choose to take back your first bet or Let it Ride. The dealer will turn over one community card. At this instance, you can pull back your second bet or Let it Ride again. The dealer exposes the second community card and the winning hands are paid.
Pai Gow Poker is another gaming option in Pechanga Casino. Pechanga Casino plays Pai Gow just like any other casino. Roll of dice will determine who gets the first hand. Cards are arranged into five-card and two-card Poker hands. The object is to win both hands. If both your five-card hand and two-card hand are higher than the dealer’s ahnds, you win. If you lose in both, then yu lose your bet. If you lose in one and win in the other, this is considered as a “push”.
Mini baccarat is another option offered by Pechanga Casino. This is a classic high stakes game. Players in Pechanga casino mini-baccarat can choose to wager on player, banker or tie. Only the dealer can touch the cards. Other games offered in Pechanga Casino includes Omaha High/Low, Texas Hold’em and other games which you can request. Weekday morning tournament in Pechanga casino have $2,000 guarantee. This tournament in Pechanga casino requires a $20 buy-in and a $5 entry fee.

Car Alarm Systems

Car Alarm Systems

Most victims of car theft never considered that it would happen to them. There is about one automobile stolen every twenty seconds in the United States alone. Even in today’s technology, car theft is very rampant. That is why car alarm system manufacturers are always improving their technology and innovating in order to avoid car theft.
Car alarm systems are gadgets that are installed on cars to thwart or discourage theft of cars. Car alarm systems of the early years work by making a loud sound and only. As the years go by, car alarm systems work by disabling the ignition system of the car. Some car alarm systems send a radio signal to the owner thru a beeper. Some car alarms are set off by vibrations, touch, tilting of the car opening or closing of door contacts, small and rapid changes in the voltage of the battery or through infrared sensors and ultrasound sensors.
In some cities in the United States, car alarm sounds are ignored because most of these alarms are accidental. They are either caused by vibration, thunder, passing of a large truck or of individuals innocently touching the car. And most people in some cities in the United States ignore or do nothing when they hear the sound of a car alarm. Because of large portion of car alarms are false alarms or accidental, car alarm system manufacturers are no longer producing simple noise making car alarm systems. As a replacement for these noise making car alarm systems, car alarm manufacturers are now producing silent “immobilizers”. Immobilizers are electronic devices that are installed on a vehicle that prevents the engine from running if the vehicle is inserted with the wrong key. After the innovation of the immobilizers, sophisticated car alarm systems now feature “vehicle tracking system” that enables law enforcers to track stolen vehicles which is very much more effective than immobilizers. On the other hand, these advance features (immobilizers and vehicle tracking system) can not prevent theft of some articles or equipments inside the vehicle or vandalism of the automobile.
An ideal car alarm system must have the two above mentioned features and sensor that could detect vibrations and pressures of the car. Sensors like a shock sensors triggers the alarm when something or someone moves or hits the car. Some car alarm systems have loud alarms, concierge system, locking steering wheel system, cellular phone alarms that call the police, engine lock system and fuel lock system which prevents fuel from the engine.
Aside from car alarm systems, having a large and heavy gauged steering wheel lock is a good idea in preventing car theft because it will give the car thieves a hard and tiring fight just by removing it alone.

Scams: How to identify and avoid – List of the most known ,including Ebay Scams

Scams: How to identify and avoid – List of the most known ,including Ebay Scams

Telephone lottery scams: These include the Canadian lottery scam and the El Gordo Spanish lottery scam, which deceptively uses the name of a genuine lottery. People respond to an unsolicited mailing or telephone call telling them they are being entered into a prize draw. They then receive a telephone call congratulating them on winning a big prize in a national lottery – but before they can claim their winnings, they must send money to pay for taxes and processing fees. The prize doesn’t exist.

Prize draw, sweepstakes and foreign lottery mailings: many typical scams take the form of prize draws, lotteries or government payouts. Most appear to be notification of a prize in an overseas draw or lottery in return for administration or registration fees.

Premium rate telephone number scams: Notification by post of a win in a sweepstake or a holiday offer includes instructions to ring a premium rate 090 number to claim your prize.

Investment related scams: An unsolicited telephone call offering the opportunity to invest in shares, fine wine, gemstones or other soon-to-be rare commodities. These investments often carry very high risk and may be worth a lot less than you pay. The shares are not quoted on any stock exchange and you will not be able to sell them easily afterwards. ‘Solid’ valuable investments, such as gem stones, are often said to be stored in secretive Swiss bank vaults, so you can never see your investment.

Nigerian advance fee frauds: THE MOST KNOWN SCAM. An offer via letter, e-mail or fax to share a huge sum of money in return for using the recipient’s bank account to permit the transfer of the money out of the country. The perpetrators will either use the information given to empty their victim’s bank account; or convince him or her that money is needed up front for bribing officials. Pyramid schemes: offer a return on a financial investment based upon the number of new recruits to the scheme. Investors are misled about the likely returns as there are not enough people to support the scheme indefinitely – only the people who set up the scheme are able to make any money.

Matrix schemes: are promoted via web sites offering expensive hi-tech gadgets as free gifts in return for spending £20 or similar on a low-value product such as a mobile telephone signal booster. Consumers who buy the product join a waiting list to receive their free gift. The person at the top of the list gets their free gift only after a prescribed number – sometimes as high as 100 – of new members join up. In reality, the majority of those on the list will never receive the expensive item they expect.

Credit scams: another advance fee fraud, originating in Canada. Advertisements have appeared in local newspapers offering fast loans regardless of credit history. Consumers who respond are told their loans have been agreed but before the money can be released they must pay a fee to cover insurance. Once the advance fee is paid, the consumer never hears from the company again and the loan never appears.

Property investment schemes: would-be investors attend a free presentation and are persuaded to hand over thousands of pounds to sign up to a course promising to teach them how to make money dealing in property. Schemes may involve the opportunity to buy properties which have yet to be built at a discount. A variation is a buy-to-let scheme where companies offer to source, renovate and manage properties, claiming good returns from rental income. In practice, the properties are near-derelict and the tenants non-existent.

Work-at-home and business opportunity scams: often work by advertising paid work from home but which require money up-front to pay for materials; or by requiring investment in a business with little or no chance of success.

Ebay Scams/PaypalBank scams

1. You can receive an email from “your” bank or paypal asking you to log in in order to..(say verify something) the page you are redirected is actually a phishing page and all the information,including your account passwords will be stolen. DO NOT EVER trust any emails like this. If in doubt,call your bank or go directly to the website(eg. and inter your account details there.

2. EBay scams may involve people trying to buy goods from you with money order,where they pay you with fraudulent bill. You sent the goods,thinking your bank will clear this up,but it would not…. Always wait until the money are cleared by your bank,before sending stuff. Sometimes they use their own shipping company.

3. Ebay scam which is also popular involves stealing someone elsese account(by the means of #1,etc). Then they post an item for sale for a price you can’t resist. When you purchase it, they will ask you to pay,using money order or similar service. They can also set up a fake escrow service. Beware.

Use commone sense for every purchase. If it’s too good to be true- IT IS. No free cheese in this world other than for your pets 🙂

The Home Theater Furniture Makes All The Difference

The Home Theater Furniture Makes All The Difference

We all love to have comfort, whether it is in our office, living room, bedroom, dining room, or anywhere. Similarly, it is very important to have comfort in our home theatre. Therefore, the furniture plays a significant role in giving rise to a comfortable ambience inside the home theater.

Decorating Home Theater

When you are planning the design of your home theater, you should not restrict yourself to chairs and seating. They are very important in setting up a home theater, but you should also have some colored posters and cuttings of the movies. This will enhance the ambience of the home theater and will making watching the movie more enjoyable. You should decorate the room in the best possible way by using vast collection of accessories like carpets, wall papers, etc.

Furniture For Home Theater

There are so many things to be considered while purchasing the furniture for the home theater. There are many companies in the market that manufacture furniture especially for home theaters according to your requirements. The following items are necessary to have a pleasure of real theaters in home theatres:

1 – You should buy an entertainment stand, which will hold all of your equipment like a television, DVD player, and stereo. This will make your system look organized and will save the consumption of your space.

2 – The next important thing is the purchase of comfortable furniture. There are a number of choices in the market for the chairs and couches. Along with comfort, you should also consider the style and color of the chairs and couches, as they should suit your decor. There are many designs of the loungers that possess wide arm rests with beverages holders and sliding foot rests. You should have a proper survey of the furniture market in order to get the best according to your requirements.

3 – While going for purchasing the home theater furniture, the main thing that should be considered is the room in which you are having your home theater system. The furniture should be selected accordingly.

4 – There are many other different accessories like audio visual cabinets, video cabinets, TV cabinets, stereo cabinets, multimedia, storage cabinets, or entertainment cabinets, They come in various shapes, colors, designs, and companies to enhance the look of your home theatre.

5 – Depending upon your budget, you can even opt for some of the enjoyable things like popcorn machines or to have a small bar at the back of the room in order to have great pleasurable time while watching a 2 hours full length movie.

Therefore, the selection of the furniture should be done by considering the above-mentioned points in order to enjoy the fun and excitement of the actual theatre in the premises of your home theater.

Meet Digital Marketing Now

Meet Digital Marketing Now

With the vast improvements on mobile technology nowadays, digital marketing is definitely trending. This concept is a bit comprehensive so I might as well elaborate on the details. First off, digital marketing also known as “push” marketing, dwells on the process wherein the marketer has to inform the user to establish a receiving of the material. This scenario is a lot different from the passive type which is referred to as “pull” marketing. Well, the latter is the other way around. Consumers are basically responsible for hunting stuff from the internet. Some sources would include blog pages or websites.

Are you getting the picture now? Mobile phone marketing or commonly known as SMS marketing is just one recognized instance. In terms of direct promotion, it is actually advancement. To make this clear, this initiative makes use of digital distribution channels in product promotion and service advertisements. By all means, it gets in touch with clients in a more suitable, and personalized manner. Further, it is very much profitable.

SMS stands for “short message service”. It is basically a medium of communication wherein short messages can be sent to a mobile phone. So I guess this information gives you another hint on the concept of SMS marketing. I think most people can be considered a little bit tech-savvy now with the fast-paced developments in our technology. So it isn’t really surprising that more than a hundred million marketing messages are sent via SMS every month. This merely marks the popularity of digital marketing. SMS is indeed used for reaching out to customers and marketing. Like for example, if I was the consumer, I would be enticed to join a competition of a certain brand which I like, right? So, it’s essentially marketing and brand publicity by means of SMS. It’s being used as the medium for expansion in other parts of the globe. It also facilitates the consumer’s experience with the brand.

Digital marketing comes in various types. Texts with colors, pictures and video are made possible by MMS, which is a multimedia version of SMS. Another one would be the mobile web marketing. This type of digital marketing is done by promoting brands through websites accessed by mobile users. Considering the number of mobile users at the present time, this digital marketing type would probably be a hit.

Now, what are the advantages of this so-called “digital marketing”? Well, the best thing about this method is that it can be modified to the needs of the client or the customer. What’s even better is that it’s not much of “beating-around-the-bush” but rather, it gets to the target consumer with a specific message or it could be publicizing the product to a particular audience. With this marketing strategy, one can expect a high return on investment. Why is this so? This method is more economical due to its specialization. Moreover, digital marketing can track and report its subscribers. Not only that, but it would be able to know details such as the subscriber’s name, age, location, etc.

Does it seem like it’s too good to be true now? Well, just like any scenario, digital marketing may have its perks; however, it has certain downsides, too. Without a mobile phone in the consumers’ hands, this marketing method obviously can’t work. One more thing, it is profoundly standardized or controlled by the telecommunications industry. This has something to do with customers’ concerns regarding data they get shown.

Digital marketing is absolutely something we should watch out for in the years ahead.

You’re Not Rich Because Your Life Is A Mini Drama

You’re Not Rich Because Your Life Is A Mini Drama

I realized that a major reason why people are broke is because it’s wayyyyy more fun…Yeah I said it…it’s more fun. I mean really, when you have money you already know the outcome; the outcome is whatever you want it to be…really not much creative effort there.What can I create if I already know what I will get? It’s like playing the lotto and knowing you will win…what’s the fun in that?

The fun in playing the lotto is not so much whether you win or lose but how you feel and the emotions that flow over you from the point where you decide to buy a ticket until the drawing takes place. The fun is to buy the ticket, hope you will win, think about all the wonderful things you will do with the money and sit in front of the TV with your heart in your hands as the numbers roll…the anticipation, the excitement…the drama. Will I win or not?…stay tuned to find out.

I realized that one of the reasons people are and remain poor is that it makes them feel alive. This is the key to a lot of life…This is the key to your entire life! Yeah we’ve all heard that the key to life and what people will do anything for is to survive, but if you break down survival what is it? – Knowing and realizing that you are ALIVE…

How do we know that we are alive when we feel that we basically live pretty boring lives? Well enter stage right our mini dramas that constantly remind us that we are alive. Throughout history man has struggled to survive…animals trying to kill us and we had to go out to hunt…but now fast forward several hundred years and most of us live away from deadly creatures, and the only hunting we do is in our grocery aisles, and so we have had to be a little more creative.

We no longer have the stories to tell of how we escaped a deadly tiger and killed it for food so what’s left?…For us to create these little story lines that show how difficult our life truly is and how we have conquered it. It’s more fun to NOT know how you will survive for the next week; it’s more fun to wonder where the money will come from to buy gas, pay the rent and then to figure out ‘Hey, I’ve got a solution!’ It’s more fun to be in pain and anguish because you cannot afford something…Most people believe that having money is boring. What do rich people do all day?…shop, lunch and then spend the rest of their life bored silly…

Don’t believe me?…Let’s analyse this: When you are broke and you need $40 to buy gas you now have to think ‘How will I get to work with no gas? How will I get money to buy gas?’
There is a problem, and you can now become your own superhero, saving the day by figuring out ‘Hey, I’ll borrow some money from my friend Jo Doe to solve the problem.’

‘I’m a genius’ you think, then you have to go ask Jo and then wait for an answer, then you have back-up plans in case Jo says no…You feel embarrassed to borrow gas money, pain that you can’t afford the gas, anxiety about whether you will get the money, fear about running out of gas. Let’s look at another situation. Your rent is due…you have no money. You don’t answer your phone – can’t risk the landlord getting you on the phone…you hear footsteps…’Oh my god maybe he’s coming!’ You are filled with paralyzing fear, anxiety, dread…what if we get put out on the street, we will have no place to sleep…everyone will know I am broke…Loads of emotions to keep reminding you how alive you truly are…

…but when you have money, the problem is already solved, isn’t it? Have no gas? Go to the gas station, pull out your wallet and pay for the gas. No problem! No emotion. Rent due? Write a check, pay the landlord. No emotion, no problems. No paid advertisers (we will come to that in a minute). No struggle, no solution to find…pretty darn boring don’t you think?

Most of us have spent 99% of our lives fixing problems, finding solutions. We can’t let a simple thing like being rich mess with a good thing, now can we?! You keep wanting to find solutions to show the creative genius that is you. After all, you must be alive or else you couldn’t have lived through no money for groceries. You couldn’t have lived through the gas drama and just like a soap opera…you never know what will happen next, so stay tuned for tomorrow’s show to see if you will have enough food, money, clothes, gas or if you’ll even survive…

This article is excerpted from the book ‘You’re Not Rich Because Your Life is a Min Drama’ by Ophelia Nicholson.