5 Worst Side-Jobs for Extra Cash

Even with regular paycheck, people still look for another source of income to live comfortably. However, looking for another job or side works don’t seem to be as easy as the way it is before. The competition is quite tough and jobs available are not so appealing and worst, could make you feel frustrated than delighted. Here are some of them.

Taking surveys

Filling up survey forms at first glance looks easy and quite lucrative but a second look will tell they’re not and there are lots of reasons why. One, survey has screening questions and if your profile doesn’t match their requirements, you’re out. You’ll waste your time answering screening questions just to end up with a “sorry, you’re not qualified to take the survey”. Secondly, surveys pay will not even buy you your favorite coffee and if they do, you’ve have to stay more than an hour answering long and boring questionnaires. However, if you want to throw away time in exchange for a penny, filling up surveys might appeal to you. By the way, surveys payouts take a month or more to collect (that’s if you’ll meet the required $20 payouts).

Selling body organs and fluids

Many had done it and got away with easy money however, with government stepping in to correct this malpractice, selling body organs is now illegal and prohibited. While selling blood and reproductive eggs aren’t totally prohibited, it’s under strict regulation and there are big risks of contamination and exposure to dreaded diseases. You’ll be doing it not for a living but to dying early in the worst way.

Playing games (video and gambling)

If you’re a gamer, you won’t treat it as a job but if you’re playing to get paid, you have to brace yourself from severe eyestrain and other health conditions like muscles fatigue and the so-called computer syndrome with hands jerking when at rest. If you love gambling, playing gambling games like bingo and poker could be your thing but make sure you got some money to buy tickets or to fund your account. Most of the gambling sites entice players to play with high bonuses and cash jackpot however to win it, you’ve to play and bet more and don’t try this sites like pgbingo.com that offer you big bonuses because it’s clear, it’s a scam.

Investing (forex trading)

Don’t fall to the catch line like it’s the most lucrative market in the internet “to try forex trading”. You need more than a loaded trading account before you’ll be able to earn from trading foreign currency. If you know nothing about it, don’t try it. You tend to lose than earn decent money out of it.

Work-at-home schemes

You’ll see the ads in every web page and it’s very enticing specially when you’re in dire need of cash however most of these work-at-home jobs are posted by scrupulous individuals who themselves are out to make money from innocent people who’ll fall on their trap. If the poster is asking you to pay upfront, it’s a clear sign that it’s a scam.

If your present job is something that you enjoy, makes use of your skills and talents, and opens doors for self-improvement, then you’ve chosen the right job for a living.

3 Ways to maximize your nursing informatics degree future earnings by field and location

When you get your nursing degree you will need to do some research before applying for jobs. The research should include pay scale in all the locations that you have interest in living, and cost of living for those locations. If you already own a home but you live in an area that is not maximizing your degrees profits in the nursing field then you can sell your home and move to a bigger city with higher pay. Although, the higher they pay the more pricey the cost of living will be.

Jobs in the Nursing Field That Maximizes Your Degrees Profitability

Several positions in the nursing industry have higher paying salaries and are more rewarding. When you get a nursing degree you will likely have a lot of expenses from your schooling costs, so making higher start out pay will help you to pay down this debt and still live. Several Nursing careers that relate to nursing informatics programs that give you the largest profitability are below.

Maximize Your Degree

A certified dialysis Nurse starts out at $63,500. You have to a qualified Licensed RN and have at least 2,000 hours of taking care of dialysis patients and 15 credit continuing education hours in the past 2 years.

A certified Legal Nurse Consultant has a beginning salary of $62,100 and is a career that is mostly in a hospital environment, a law office, or at home. A CLNC is a Nurse that consults on Nursing or Medical Lawsuits. The qualification is a Certified RN, no BSN required though.

A certified Nurse MidWife starts out at $84,000 a year and is so exciting. Not only do you help deliver babies, but you aid in all kinds of female medical necessities. Qualifications would be a Master’s degree in science or Nursing. They generally work in hospitals, health departments, Doctors offices, clinics, home clinics, and private practices.

Highest Salary Locations for Nursing Informatics Degree Vs Cost of Living

For a Nurse Informatics career in California your average salary is around $89,000 to $110,000 based on the specialization you choose. This makes California a higher paying state. Buying a house in California is a great experience. There are many locations to live in California, such as, the city, the beach, the valley, and the most famous area Hollywood.

Many jobs in California include hospitals, doctors offices, and colleges. Each one has their own specific appeal, but once you choose the right job and the right field of specialization, finding that perfect house is your last step to moving to a better home market with the ability to maximize your nursing degree.

The cost of living in California is higher than some of the other major cities that you could choose from, however, it is more expensive to live in New York City than it is to live in Los Angeles, California. Even if the pay scale is higher in New York City, your cost for housing is much more expensive.

As a Certified Nursing Informatics Program candidate or graduate you will have many opportunities to advance your career and maximize the cost of your degree. There are opportunities in many cities that will help you gain experience and build a great salary. Choosing the right city with the most affordable cost of living is not as hard as it sounds. When you research your specific field of study job listings, make sure you check for salary ranges and cost of living for the area. A nursing informatics program will definitely bring you a huge salary in your future endeavors.

Being sincere about building good credit – Young adults should know how credit works

Majority of the young adults don’t know how credit works, let along what their credit score is. As per the Consumer Federation of America, American consumers between the ages of 15-34 know nothing about who uses credit score, what credit scores are and the data on which the credit scores are based when compared to other adult Americans. This financial ignorance can leave some young adults unprepared to apply for car loans, home loans or even get an apartment without the signature or assistance of a co-signer. Without an established credit history, it is even more difficult for the creditors to assess the credit risk of a person. However, even if you’re a young adult, remember that it’s never too late to become a responsible credit user and establish positive credit history.

Building good credit is a must, irrespective of whether you’re young or already an adult. It is good credit that helps your qualify for auto insurance, loans like mortgage and car loans, rental applications, apartments, cell phone plans and even a job. Nowadays, there are employers who check the credit report of a potential employee only to be sure about the fact that the person who is about to be hired into their organization is financially responsible. So, being a young adult, you can well understand the crucial importance of building good credit.

Getting started with building credit – The tricks and techniques

How to get started? The Credit CARD Act, most of which came into effect in 2010, changed almost every rule of the game. However, if you put it simply, it all comes down to being responsible about your finances and credit usage. An eminent financial analyst explains how students or young adults can effectively build good credit. Let’s check out what they recommend.

Be an authorized user on your parent’s account: The director of a Phoenix-based debt service organization, Mike Sullivan, always advises to parents that when the student is going off to college, unless you’re 100% sure that he’s responsible enough about credit card usage, the first credit card that you should give them is yours. If you make the mistake of gifting your child with his first credit card before he sets off for college, you will soon confront with a kid who has drowned into credit card debt and has spoilt his credit score. Although debt consolidation loans are there to help a debtor get out of debt, but the impact on the credit report can’t be erased. Therefore, it is best for a teen to be an authorized credit card of their parents.

Open your own credit card: Yes, if you can offer proof of income, it may be the right time to apply for a card in your own name. The belief that credit cards are always meant to spoil your financial habits is indeed a myth. Unless you start using your own credit card responsibly, you won’t be able to establish positive credit history. In the post Credit CARD Act era, most credit card issuers are no longer clamouring to offer a credit card to the college students. So, you should know that once you receive a card that is all yours, the responsibility of handling it properly is entirely on your shoulders.

Use the credit card occasionally: Since on-time repayments and responsible card usage will help you build a good credit history, don’t leave the plastic always in your wallet. When you always carry it with you, you may not be able to resist yourself from the temptation of buying something with credit that you can’t buy with cash. This is the worst habit that leads users to debt and hence if you want to avoid it, don’t carry your credit card while you go out for shopping. Credit cards are not like grants, that you receive the money and you don’t pay back. They’re more like loans and they carry outrageously high interest rates. Deal with them watchfully.

Pay off your balance each month: When you’re initially building positive credit history, try your level best not to carry balance on the card. In fact, those who are knee-deep in credit card debt are the ones who carried balance on their cards from one month to another. If you’re earning an allowance or a part-time income, know your financial ability so that you can spend within your affordability. Use the card only for those purchases that you can afford to pay back. Live within your means, especially when you’re a young adult using a credit card.

Therefore, when you’re a parent of a college-going kid, you should incorporate enough financial information into him/her so that he thinks twice before taking any wrong financial step. Make him financially aware so that he never incurs debt and spoils his credit score.

Get educated with the support of federal loans and private loans

Most of the students depend on loans to cover the expenses due to education. Fortunately, the loans drafted by the federal government offer financial support to enable the students continue the education without stress. Since there are various offers of loans, it becomes inevitable to have a close study on the features of each of the offers to make a good choice to suit your requirements and needs. Comparing the different offers is important to come to a decision.

First, you need to figure out the amount that may be required for the education. The cost of the particular course of education, your resources, financial award in the form of grants and your cost of living should be noted down to understand how much more you require for completing the course of education. Part time employment can help you earn some additional funds for your requirements. Some of the colleges provide opportunities to deserving candidates to take part in work-study programs, to earn income in part time.

The working of federal loans should be understood through relevant websites or journals. The financial aid department in respective institutions can be approached to clarify your doubts regarding loan offers for college students. It helps you understand the requirements to be eligible for loans so that you can prepare for applying. As the federal loans are most wanted, it is suggested that you apply well in advance.

If the loan amount received through federal loans does not cover the entire education costs, you can borrow from private lenders. The financial advisors can suggest you sources of funds for your needs. If you have the necessity to borrow from private lenders, the rates of interest, the repayment options and the fees charged for the offer should be compared before committing to a loan offer. Use your discretion to make the choice of lenders even if your college refers certain lenders.

The loan agreement should be properly studied. The total cost of the loan, the type of interest, whether it is fixed interest or variable interest, whether it is possible to get lower interest rates, the fees or hidden charges for the loan offer and the monthly repayment amount should be understood clearly. Private student loans are offered without delay to the applicants with good credit history. If your credit ratings are not good, you can get approved for the loan with the support of a cosigner with good credit ratings. Better the credit history lower the interest rates for private loans.

To prevent accumulating debts, it is suggested that you keep paying the interest on the loans while you are still in college. The payments towards the interest are not very high and however, if you do not make the interest payments from the beginning, you might end up accumulating a heavy amount of debts by the time you graduate. To understand how much you will need to pay towards the interest on a particular loan, you can use the online calculators that can help you understand the exact amount.

Private student loans are considered risky as the interest rates are very high for these offers. These loans are not part of the government program. These loans are granted by the banks and other lending organizations which require you to be enrolled as student to be eligible for the offers. However, some of the private loans are offered even after graduation. The pros and the cons of the offers should be understood clearly to avoid regretting your choice later.

Steering Clear of Forex Trading Fallacies

The fast progress of the internet has guaranteed that you can gather information about the basics of forex learning easily. However, only learning about the fundamentals of the forex trade would not help. It is very important to steer clear of the common myths about forex trading as well. Go further through the post in order to find out more about the common trading fallacies harbored by investors, so that you can comfortably avoid them while you are trading.

The common myths surrounding forex trading

You can make more money by day trading

Ask any forex expert and he will tell you that most of the traders out there indulge in day trading simply because they can become rich very fast. They end up believing that the more they try the more they will end up making money. Day trading, thus, is very popular among traders. But one thing that you must remember is that there are greater risks of failure as well.

Intelligence is key to success in forex

Many of you, yet to venture, in to the world of forex might be led to believe that using intelligence is your mantra for success in forex. However, in reality, being intelligent, solely cannot guarantee success in this field. You don’t need to have a college degree in a bid to succeed. All you need to do is exercise the RIGHT intelligence. Make sure you are taking the right steps with regard to

Choosing the forex trading platform

Choosing a reputed and duly regulated swiss forex broker

Not giving up practicing with the help of a forex demo account till you are absolutely sure that you are ready for real trading

You will be able to scale greater heights of success if you practice hard

It is actually very inappropriate to believe that the more knowledge you gain the better will be your chances to succeed. Once again, it’s the RIGHT knowledge which you have to gain. It’s about the simple tricks of the trade that you need to master. The more complex system you choose the more difficult it gets for you to break the elements. Traders also end up believing that the more effort they put in for generating trading signals better, greater are their chances of success— but they lose out because they are using low odds trades. In reality, a successful trader is someone who does not work hard to end up generating low odd trades but wait patiently for high trades.

A trader requires predicting the forex prices in order to advance

There are several trading systems which might try to convince you that they can actually predict market turns. However it is not possible in reality. If you could actually forecast market turns, the market itself would not have been there. The logical thing to do here would be to patiently wait for the price change to be confirmed and then follow the trend. You will be able to make a lot of money though you may not get in an exact turn.

Are you aware of these myths surrounding life insurance policies?

Strangely enough, people may end up digging out a number of reasons for not taking up a life insurance policy. While some of them reason that they are not “old” enough to purchase a cover, there are others who simply opine that life insurance policies are a sheer “waste” of money. However, if you sit down to think deeply about it, you will only be able to understand that a properly selected life insurance scheme only serves as a well-thought- out financial decision owing to the fact that the financial security of your family depends on it.

Most of the fallacies (like the ones mentioned above) spring from the fact most of the individuals are not really interested in educating themselves about life insurance in general. It is very important to get rid of the “overwhelming” myths surrounding life insurance before purchasing a policy. So what exactly are these “myths”? Read on to find out!

The main objective of life insurance is saving tax

No! not at all…. There is no death of individuals who actually think that the basic function of life insurance coverage is to help you save up substantially on tax. However, tax savings are only an “added” advantage of securing an insurance policy. Its chief purpose is to protect your family during your absence and also to help you in establishing a substantial corpus for yourself to lead a comfortable retired life. In short, tax saving is only the secondary benefit— not the primary one.

Buying insurance is not necessary when you are single

There are some, who simply rule out the importance of life insurance from their lives owing to the fact that they are not single and do not have dependents. Needless to mention, it’s simply not advisable for you to think on those lines. If not for your dependents, you should consider investing in a life insurance policy to see through your own post retirement days without hassles. You, in fact, can opt for a money-back plan which offers you returns at regular intervals.

Insurance only offers post death benefits

Again…one of the overwhelming misconceptions surrounding insurance policies is that they offer benefits only after death. But that’s simply not true! By now (after coming across the post), you must already have gained an idea as to how an insurance policy can actually help you in your post retirement days. You can opt for an endowment term where you will be paid a lump sum after a fixed term.

You do not require an insurance cover because you are young

It is better, in fact, to consider an insurance plan when you are still young. It will help you fund crucial events of life like marriage, child birth, your child’s education, marriage etc.

Life insurance plans are costly

The cost of plan will vary according to your needs. Perhaps you should study your needs first and then zero in on a scheme which will meet your objectives. There are no written rules that insurance plans will be costly. Make sure you are comparing the rates offered by premium carriers in this regard.

Few Important Points That Will Help Single Mother While Availing Auto Insurance

Of late there has been much discussion regarding the financial condition of the single mummies especially about their living conditions. The single mothers often have to go through the emotions trauma and financial hiccups simultaneously. In fact, according to research, the financial condition of a single mother is worse than the majority of the population in the country. Saving money through different avenues is an important task for the single mothers. An effective way to do is through saving in their car insurance. This does not mean that you will save on the insurance premium resulting in less coverage through the policy.

Save on premiums

There are few points that you need to keep in mind that will help you to save money without compromising on the amount covered by the policy. Often the single mummies opt to but the used cars to reduce the overall expenses. This is because the value of the car depreciates quickly and often people buy used car to lower their expenses. Irrespective of the car that you buy, you need to remember that you have to shell out money for the same. The auto premiums that you will pay depend on different characteristics of the car.

Risk is low

When you buy a used car the premiums that you pay against the insurance amount is low. This means that you can even save some money through the premium amount. Another benefit of the used car is that if the car is damaged or stolen, then the expenses that you need to incur for the same is low than that of a new car. Thus, the insurer also faces the less risk when dealing with a used car. However, it is important to remember that the liability rate is not affected by the age of the car, so its proportion in the insurance policy remains to be same all through.

Emphasize on safety

Safety is an important issue while dealing with auto insurance. To keep the insurance low of your used car, you need to conduct some amount of research regarding the car.The insurance companies often track the safety factors of the model of the car that you have purchased. There are also instances of discounts being offered on the used cars that are safe and have a good track history.So, if you are still confused regarding the choice of a car then consider the safer one or the one that is equipped with safety measures.

Decide on the deductible

Deductible is another factor that you need to consider while availing car insurance. Low deductible lead to more insurance, so make sure that the deductible on your insurance premium is within a range. According to the financial advisors, it is advisable to keep the deductible low on the new cars but, more on the used cars. This is because the used cars have already incurred some amount of cosmetic damages and it is the discretion of the single mothers whether they want to evade it or pay for the repair work.

Have the detailed information

Prior to buying a car, make sure that you have the detailed information regarding it. Make sure that there are no dues or any other pending payment against the car. While availing the car insurance compare the rates that are offered by the other auto insurance companies. As per the rule of the thumb, you need to consider the quotes of at least three providers. You can also opt for the online option for the same. The federal government department of insurance can be of great help to the single mothers as they give detailed information regarding the rate that should be levied on each transaction.

Author Bio: Kelly Moore is a single mother and she was worried about her financial condition. She went through visiting http://cheapautoinsurance.net/ for affordable automobile insurance cover and to know the ways to save money on car insurance. Also planning for ladies to have a new insurance benefits.

Relocation Assistance: Interesting Incentives for Short Sale Borrowers

If you’re facing a foreclosure, you have many different options to avoid the pain and discomfort of this process. Banks have an incentive to help you too, because it can cost upwards of $50,000 for the bank to process a foreclosure. If your home is worth $250,000, that’s a sizable chunk of the value of the home. Fortunately, there are win-win options that are much less expensive.

The Problem

When you sell a home short, you’re selling it for less than what you owe on the house. This presents a major problem. You need to make up the shortfall on the loan, but you can’t. The bank is forced to take a loss. With no money, you’re stuck for options as to how to move. The bank wants you out of there once the sale is complete.

Many NJ short sales agents can sell a home short within 6 months – that doesn’t give you a lot of time to find a new apartment.

The Incentive From Banks

Fortunately, banks are looking out for their own interests. Because they want you out of there, they are willing to put up some money for you to take care of the home. This is called a “cooperative short sale.” With this incentive, the bank pays you $1,000, up to $10,000 or more to stay in the home and take care of it until it’s sold. You pay no mortgage payments or rent.

The bank is willing to do this because they get a low-cost property manager and it’s cheaper than going through foreclosure.

Relocation Assistance

Relocation assistance programs can put additional money in your pocket – up to $3,000 to help you move. This money is available through the Home Affordable Foreclosure Alternatives program (HAFA). Of course, there are also non-HAFA short sales that provide you with money for relocation.

Banks can give you more than the amount allowed under HAFA – sometimes up to $20,000 or $30,000. In some cases, you can get both the HAFA and non-HAFA relocation incentives.

This could amount to a rather significant sum of money – money you use to find a new place to live. It could even be enough to pay your rent in your new place for up to a year or more.

Tenant Incentives

If you’re a tenant, and your landlord is losing the home you rent or you have tenants in a home you’re selling short, there may be incentives for the tenants to move too.

Tenants that are forced out of their rental homes or apartments generally get a security deposit cash sum plus additional “cash for keys” incentives to move out on a predetermined schedule.

What You Should Do

Before you get too excited, you should contact your lender and your real estate agent to get more details about what you qualify for. Not everyone qualifies for the same amount, and some of the incentives are quite paltry, depending on your actual expenses and needs for money. Other times, the incentives are very attractive and make you almost wish that you had taken this kind of offer sooner.

Lisa Anders has worked as a real estate consultant for some time now. When she has the time, she enjoys sharing information with others by blogging online. Look for her articles on a variety of real estate and homeowner blogs.

Smart Investing: Top Tips for Finding a Forex Broker

Finding the right broker that suits your trading needs is very important and when you make the right choice, it should definitely help rather than hinder your prospects of trading successfully.

When you are trading liquid Forex markets, these markets often have varying liquidity and opportunities that present themselves need to be actioned and executed as swiftly and efficiently as possible, which is where a good forex broker comes into the equation.

Narrowing down your choice

A fundamental point to consider when you are trying to choose a forex broker is to establish and consider what general brokerage type they belong to.

There are three distinct types of forex broker. The first is a Market-Maker, and they will form a two-sided market to customers of their dealing desk. This means that they can take either side of a trade provided that they buy on the bid and then sell on the offer side.

A forex broker who is classed as a market-maker will take the other side of your chosen trade and then either offset that trade or elect to keep it running depending on their opinion as to the market’s direction.

If you choose an ECN broker, you should be aware that an Electronic Communication Network broker does not actually have a physical dealing desk. An ECN is basically an electronic platform to facilitate the trades of market makers, traders, banks and any other participants who wish to enter competing bids and offers through the network system.

A No-Dealing-Desk brokerage is exactly that. Although it lacks a dealing desk it does offer you access to multiple liquidity providers instead. These providers post their best bids and offers with the No-Dealing-Desk, in the hope that they can fill these orders and earn a marginal profit by increasing the dealing spread.

Important considerations

Making the right choice of broker is so important for a number of extremely valid reasons and when you consider that a poor execution service can actually cost you lost profits and opportunities in a fast-moving environment like the foreign exchange markets, it is worth taking the time to get it right.

The amount of starting equity that you have available will to a certain extent dictate your available choice, but here are some other important considerations as well.

You should check to see what regulatory body oversees the broker that you are thinking of signing up to. It is also of high importance that you establish how the funds you are lodging with them are insured.

You should also check how fast they are with their executions and get some other traders opinion on this factor rather than simply accept the testimonials and information given on their website.

Other considerations that could well be important to you include finding out if orders are executed automatically on a system or put through manually. Find out if they charge separate commissions or they are part of the spread, and also establish if any margin balance you have will attract interest.

Having the right forex broker is akin to having the right vehicle to get where you want to be. If they can’t offer what you need or want, you are simply making it harder for yourself to make a profit from the forex markets.

Spencer Dawson is a longtime Forex trader with his own helpful broker. An avid writer, he likes to share what he has learned over the years on various websites, so newcomers to the Forex field can learn by his experience.

Getting Your Small Business Out of a Financial Bind


Getting Your Small Business Out of a Financial Bind

Even today with more help and benefits to small businesses than ever before, most small businesses still struggle financially at one point or another. There are a lot of hurdles to jump over and a lot of expenses that only increase as your business grows. For those small businesses that are already in debt, it can seem like a never ending fight in a battle that you will never win.

No need to throw in the towel yet, there are a lot of things that you can do to not only keep your small business going, but also to ensure its future success. It is just a matter of understanding why you are in debt, how you got there, what you need to do to get out of debt, and how you can prevent it in the future. Here are some tips to help you get your small business out of a financial bind.

Find out where exactly you owe money

This may seem like a silly question, but many business owners do not really know who they are paying when they are paying past due bills and other debt. This is not only dangerous to your businesses financial situation; it can also hurt your credit and lead to identity theft. Find out exactly where you owe money. If it something that you don’t remember doing in the first place, you may not actually owe them anything. Double check that any credit agencies are legitimate before you start making payments. That way you will only pay what you truly owe and you will keep your identity safe.

Pay off debts based on deadlines

The farther past the due date that you go on your debt, the more you will pay in interest. Therefore, it is a good idea to pay off the longest standing debts first to eliminate paying more in interest. That being said, if you have any debts that have higher interest rates, like a high interest credit card, pay those debts off first. That way, your business can pay less in interest and have more to continue paying off debts. If you come up short with collectors that simply will not wait anymore, you can take out a small loan from TitleMax.com to make up the difference with a lower interest rate.

Mend your public image

After your small business has gone through a significant financial loss due to debt, many people might be skeptical to do business with you again. It is a good idea to show that you are paying or have paid off the debts that you once owed and focus everyone’s attention on the positive future that your small business has. Create a new marketing campaign centered on the future and your customer’s future benefit from working with your business.

Prevent future debt

Once you have everything paid off and have everyone back on your side again, you can begin to create a plan to help your small business avoid ever getting into this position again. You not only need to understand how you got into debt in the first place, but also how to prevent that same situation from happening again. Find some new ways to help your small business save money every day to build a safety net for future financial troubles.

Author Bio:

Tina Hamilton is a journalist, blogger and social media guru. You can usually find her online or walking along one of Southern California’s beaches with her dog, Joey. You can find her on Twitter.

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