08 Determine your risk tolerance

Determine Your Risk Tolerance Each individual has a risk tolerance that should not be ignored. Any good stock broker or financial planner knows this, and they should make the effort to help you determine what your risk tolerance is. Then, they should work with you to find investments that do not exceed your risk tolerance. Determining one’s risk tolerance involves several different things. First, you need to know how much money you have to invest, and what your investment and financial goals are. For instance, if you plan to retire in ten years, and you’ve not saved a single penny towards that end, you need to have a high risk tolerance – because you will need to do some aggressive – risky – investing in order to reach your financial goal. On the other side of the coin, if you are in your early twenties and you want to start investing for your retirement, your risk tolerance will be low. You can afford to watch your money grow slowly over time. Realize of course, that your need for a high risk tolerance or your need for a low risk tolerance really has no bearing on how you feel about risk. Again, there is a lot in determining your tolerance. For instance, if you invested in the stock market and you watched the movement of that stock daily and saw that it was dropping slightly, what would you do? Would you sell out or would you let your money ride? If you have a low tolerance for risk, you would want to sell out… if you have a high tolerance, you would let your money ride and see what happens. This is not based on what your financial goals are. This tolerance is based on how you feel about your money! Again, a good financial planner or stock broker should help you determine the level of risk that you are comfortable with, and help you choose your investments accordingly. Your risk tolerance should be based on what your financial goals are and how you feel about the possibility of losing your money. It’s all tied in together. [Insert Your Resource Box Here] (Words: 349)

How credit card debt effects you

The statistics are truly mind numbing and continue to get worse each and every year. At the current rate about 1% or one in a hundred families will be forced to declare bankruptcy at some point and over 90% of Americans' disposable income is spent paying back debts. Not a happy picture but as bleak as that sounds running won't change it but knowledge may and so, let's take a quick snapshot at a few of the current credit card debt statistics facing so many Americans today. The American Consumer spends over 1 trillion (that's a 1 with 12 zeros) per year on credit card purchases. Not a big deal in and of itself but the problem lies in that they end up carrying over and paying interest on about half that amount or $500 billion. This translates into a balance of between $5,000 and $8,000 per family, with about $1,000 per year going just to pay the interest. That's just the average - many people owe much, much more! Excessive Debt Costs Everyone Money Many American receive at least one new credit card offer in the mail every day. The money being spent to service the debt industry is truly immense. Billions are spent administering, calculating and marketing the various aspects of the credit card industry. Few industries or people escape unscathed, at least in the long run by debt. The burden that bankruptcy puts on the court system or the cost to government of providing subsidized debt counseling, are just a few examples of how debt effects the nation. In addition, consumers with excessive debt have less to spend and when money isn't flowing, it hurts the economy. Whatever Happened to Saving? Debt is becoming increasingly more common. Not long ago, even a little debt was considered to be absolutely unacceptable. When you wanted something, you saved up for it and bought it ONLY after you had enough money to actually pay for it. And, if you had less than perfect credit, you couldn't even get a credit card. Look at consumer debt figures as little as 50 years ago and they were absurdly low - the way most of the non-Western world is today. The reasons are many and everyone has an opinion but regardless of the reasons, the art of saving, at least in the "western world" seems to have been lost. Outside of a 401K or similar vehicle offered at your place of employment, virtually nobody is saving enough for retirement. Banks are starting to have to offer ever-higher interest rates to get people to put money anywhere near a savings account. In fact, few people even have a savings account anymore. Most people have a checking account and that's it. Our society and progressed into a "now" culture and the virtues of patience that help grow this country seem to have been lost. Whatever it takes to live life in the present with little regard for the future, appears to be the prevailing sentiment. Is Over Spending the Culprit? Ok, I've been a bit harsh up until now but I don't want to give the impression that the only reason you're in debt is because you continuously and frivolously overspend. Other factors are involved. Truth be told, many people get buried in debt because of the loss of a job or an illness and they use credit cards to pay for basic expenses. As a result, they fall into the downward interest trap spiral as their debt grows out of control from just a few thousand dollars initially borrowed to pay for essentials. Most people do have a reasonable sense of what they can afford and they don't just go out and use credit cards to buy any and everything. Getting heavily into debt is usually a combination of many factors but the problem lies in people leaving balances on their credit cards for too long and not realizing just how deadly compounding interest really is to their financial well-being.

Arts culinary school in atlanta

Atlanta is among the chief areas of United States, wherein numerous arts culinary schools are located. It is an ideal destination for individuals who want to study the culinary art. It is not an astonishing fact anymore that people from all over the world come here to learn the tricks and gain expertise in culinary skills. Schools located in this part of the world offer study programs that vary in cost and in requirements. Few culinary schools have expensive fee structures. But, then they provide quality education which makes Atlanta stand apart from other culinary schools. The Culinary Institute In Atlanta: This art culinary institute in Atlanta is the best school an individual can attend to. It offers novel advances towards the culinary education. The curriculum covers the international recipes and food proficiencies from all over the world. Various professionals from the cuisine world formulate the course study of this school. Nutrition and Safety are the motives that form the foundation of any basic study here. Different kitchen operations, catering management, cost control and supervision of food are the skills taught here. Various superior baking, culinary arts, catering and pie concentration techniques are taught to the students by skilled faculties. Apart from this, student is taught about how to handle customer service and beverage sections. The emphasis is more in attaining expertise in different American, traditional and international food forms. The students from this school participate in various competitions that are held more often. The institute offers exceptional facilities in terms of lodging and other modern amenities. The accreditation is given by ACF (American Culinary Federation) that awards the CPC (Certified Pastry Culinarian) and CC (Certified Culinarian) on the successful completion of the arts degree. The institute also offers one of its kind paid 1 year membership upon the completion of graduation. The culinary art school also has 3 programs of Traditional, Plus and Online Courses using which a student can earn their degree, which is exclusively custom made to suit the schedule of the students. Career Prospects: Students passing out of this culinary Institute in Atlanta gain direct entry as chefs, cook, baking trainee, catering aide in various restaurants, hotels and in food catering companies. With further expertise in the profession students become head chefs, pastry chefs and can open their own restaurants. Moreover, there are prosperous opportunities in Atlanta that houses more than 8,000 restaurants. The culinary art school in Atlanta offers exceptional dining skills, which is full in terms of experience of flavor, aroma as well as presentation. Importance of Choosing the Right Culinary Arts School (ACS): Every enthusiast wishing to become an exceptional chef needs to choose the best ACS. An ideal culinary school provides the students with all the training and learning necessities to excel in this field. The arts culinary school includes different specialization fields such as food writer, gourmet, restaurant owner, a baker and so on. It entirely depends upon the students that what kind of work in culinary field they need to consider after graduating from the culinary school. There are various culinary schools located across various places in the world who claim that they are the best. An individual can directly visit the school or can surf the federal websites that rank and provide the accreditation to the arts culinary schools. But choosing the right school becomes really difficult. Hence, a student needs to adhere to certain guidelines before choosing the best culinary school.

Tips for selling products and services online

Have you considered selling products and/or services online? Have you already jumped into this lucrative market? If so, how are your sales? If you are reading this article then you most likely haven’t reached your sales goal. So read on to find out helpful tips for selling your products and services online. Enlist the help of technological gurus to get you up and running on the Internet quickly. Don’t seek out a website design firm because they are often too slow. You need to manage the website. Have the website designer create a shell model from which you can build your own websites. You can learn how to create, manage, and update your WebPages in as little as a few hours. Try to find inexpensive tools that are going to yield a high rate of return. An inexpensive tool that you must invest in is a “sequential Autoresponder”. A sequential Autoresponder sends out email after email to your customer list. You can send out a free e-course with this Autoresponder. Make sure that you send a product link as this can lead to sales conversions. When you are selling products and services online it is beneficial to understand the type of revenue sources available. Utilize as many, or all, of these revenue sources to maximize profit. The revenue sources include: direct sales, joint venture deals, residual affiliate program, EBay affiliates & EBay direct sales, Google AdSense program The first revenue source is through direct sales. This includes sales letters which connect directly with the customer. The second revenue source is joint venture deals. Joint venture deals entail working with another colleague to help sell each other’s products. You then give each other commissions. The third revenue source is a residual affiliate program. A residual affiliate program is when you recommend a colleague’s service or product to help turn it into a sales conversion. Basically, you will earn a commission as an affiliate for life. The fourth revenue source consists of EBay affiliates and EBay direct sales. EBay is growing significantly every day allowing EBay to be used as a lead generator. The fifth revenue source is to participate in the Google AdSense program. In this program, Google puts advertisements on your website for you and if somebody clicks on them, then you get paid. Finally you can earn revenue from telephone seminars that you can disperse across the Internet and mentor coaching retreats.

Finding fashion stores to shop at

Finding Fashion Stores to Shop At Are you interested in revamping your appearance, at least in terms of your fashion? If you are, you may be looking to buy new clothes or fashion accessories. If you are looking for the latest in fashion trends, you may want to think about finding a well-known and popular fashion store to shop at, as they often have the largest selection of clothes and clothing accessories for today’s top fashions. When it comes to finding a fashion store to shop at, you have a number of different options. One of those options involves heading down to your local shopping mall. Shopping malls are a great place to find a number of well-known and popular fashion stores. While many small shopping malls do have some great fashion stores to shop at, you may find a larger selection of fashion stores and better ones by visiting a larger shopping mall. Larger shopping malls are commonly found in large cities or in popular vacation destinations. You may also want to think about asking those that you know for recommendations. This works best if you see someone that you know wearing something, like a dress or a business suit, that you would like to own yourself. If you may want to casually ask a friend, family member, coworker, or neighbor where they got the item and if they like shopping there. If they do and if you like their taste in fashion, there is a good chance that you will also like the fashion store in question. If you have never heard of the fashion store being recommended to you before, you may want to get the location of the store so that you can start shopping. Another way that you can go about finding a good fashion store to shop at is just by keeping your eyes open. As previously mentioned, a large number of fashion stores are located inside shopping malls, but not always. A large number of fashion stores are also considered standalone stores. For that reason, you never know when you may come across a really neat fashion store when out shopping for groceries or just driving home from work. Many of the individuals who end up finding their favorite fashion stores just happen on them by chance. The internet is another way that you can go about finding information on a locally based fashion store. A large number of businesses, including fashion stores, have online websites. Those online websites will likely outline the location of the store in question, as well as contain other important pieces of information. It is common to find a few pictures and other information about the fashion pieces and accessories sold at a fashion store on their online website. You can find the online website of a local fashion store, if they have one, by performing a standard internet search. You may also be able to use business directories, as many link to the business’s online website. Speaking of using the internet to find information on a local fashion store, you can also use the internet to find an online fashion store. While a large number of fashion store owners choose to operate their stores in a storefront location, there are others who choose to operate an online store and even some to choose to do both. By performing a standard internet search, with phrase like “women’s clothing,” “fashion store,” and so forth, you may be directed to the online websites of multiple online fashion stores. The more that you able to customize your search to include what you are looking for, like men’s business suits or women’s lingerie, you are more likely to find exactly what you were looking for online. If you are interested in improving your fashion sense, one of the first things that you should do is visit a fashion store, even if it is just to look around. As you can see, there are a number of different ways that you can go about finding a popular fashion store to shop at, as well as one that may be known as a well-kept secret. Word Count 685

Hotels in newmarket

As part of your stay in and around Cambridgeshire you will more than likely want to spend a couple of days exploring the nearby horse racing town of Newmarket. Steeped in horse racing tradition and home to the Jockey Club, Newmarket is a jewel on the Cambridgeshire/Suffolk border. Although technically in Suffolk, Newmarket is surrounded on three sides by Cambridgeshire, and it has a CB postcode so it would be a shame to visit the county without a quick hop over the Suffolk border to sample this delightful town. Thankfully, due mainly to the horse racing industry there are plenty of top class hotels in Newmarket. The Rutland Arms on the High Street offers first rate accommodation with easy access to the local pubs and restaurants. The White Hart Hotel a bit further up has the convenience of being next to a taxi rank, which is handy for the racing, but the pub below can be quite lively at weekends, which needs to be taken into consideration if you are travelling with a young family. If you want to escape the hustle and bustle of the High Street the Bedford Lodge hotel is situated about a mile or so down the exclusive Bury Road. The Bedford Lodge offers top class accommodation, along with a pool, gym and restaurant. A range of Spa treatments are also available at the health centre to make your stay that extra bit special. If you are travelling on a budget there a number of decent B&B’s and Guest Houses scattered around the town and in the nearby villages such as Burwell, Exning and Chevely. In summary, you should not have any difficulty in finding a selection of fine hotels in Newmarket. If you are visiting during May to July you should try and time it with one of the fabulous Newmarket Nights events. These combine a night at the races followed by a guest performance in the grandstand. Previous performers have included Jools Holland, Westlife and Girls Aloud and they are guaranteed to be a good night. To find accommodation providers in Newmarket follow the link below: cambridgeshiretouristguide/Display_Results. asp? cboService=113&CityID=437

Making money in real estate 10 ways

Making money in real estate is an endless topic that includes all the various types of real estate investments. There is land, apartment buildings, homes, commercial buildings and more. Whatever the type however, you'll make your profits in some of the basic ways listed below. Use this list to get yourself thinking of the possibilities. 1. Appreciation. Making money in real estate can be as simple as holding on and waiting. To really get the most appreciation in value, however, you should buy in an area where demand is growing faster than the supply. 2. Depreciation. Remember that after all the tax law changes, you still get to declare a loss for depreciation that doesn't really exist. That can save you a lot at tax time, meaning more after-tax profit. To maximize this, buy property that has its value primarily in the buildings, because you can't depreciate the value of land. 3. Loan pay-down. You gain equity with every payment you make. Get the lowest interest rate you can and more of each payment will go towards the principal. 4. Cash flow. When you buy income property the right way, you not only have your tenants paying all the costs and paying down the mortgage loan, but you also have positive cash flow. 5. Buy low. When you buy below market you get instant equity that will be converted into a profit when you sell. Offer a reason for the seller to sell low: fast closing, cash, assume some debts or liabilities, etc. Or just make a low offer. The seller may have his own reasons to sell it cheap. 6. Sell high. Clean it up nice, make it easy to buy, and find the right buyer to get top dollar. The next four on the list cover ways to create value, so you'll get more when you sell. 7. Offer financing. You can often get substantially more for a property if you offer financing. This is especially true if you let someone buy it with little money down. You can also get good interest on the loan. 8. Change use. If there is a higher use for the property, you can convert it to make it worth more to the next owner. Sometimes this means making condos into apartments, or apartments into condos. Maybe converting a home into office space will get the biggest return. 9. Improve and repair. Repairing anything that needs it is obvious, but you need to look creatively and carefully to find improvements to make. Concentrate only on those that will raise the value several times more than what they cost you. 10. Sell in parts. In real estate, the parts are often worth more than the whole. For example, splitting off an extra lot to sell for $30,000 will rarely decrease the value of a home by that much, so you'll make more money in the end. Making money in real estate can be a wonderfully creative process. Just look at the sources of profits listed here, and think of how you can use a few of them on your next real estate investment.