Ten Money Saving Tips For Your Wedding

1. Use free media and the internet

You can borrow wedding/bridal books and magazines from friends, work colleagues and public libraries. Check for local wedding suppliers on the web, where you will be able to find details on the larger and smaller specialist wedding companies in your local area.

Visit free-to-enter wedding fairs, as the prospective customer why should you be expected to pay an admission fee to view their stands? Ask lots of questions and obtain quotes without making any firm commitments at the time, giving you a chance later to review all of the offerings and make your choices without any sales pressure – you’ll be amazed at the price variations for supplying identical services.

Bear in mind that the larger wedding fairs will be charging high fees to the wedding suppliers who attend. This will have two consequences for YOU, firstly, it will exclude many of the smaller, but equally good quality, local wedding suppliers who cannot justify the wedding fair expenditure and secondly, you have to ask who is ultimately paying for these high exhibition fees? YOU ARE!…and then many of these larger wedding fair operators have the cheek to expect you to pay an entry fee as well!

2. Use Online Auctions and e-Bay

Many of the items that you need for your wedding are available on e-Bay at a fraction of the price charged by many wedding vendors. Cake toppers, favors, balloons, new and used-once wedding dresses along with a host of other useful items that can save you a lot of money. welkomstbord Do your shopping well ahead of the wedding date to allow plenty of postal time. Check for the established and trusted sellers by checking the number of items they have sold previously and their feedback rating and you can’t go far wrong.

3. Food and Drinks For Your Wedding Reception

Ask your caterer for advice and be honest with them about your wish to save money. Discuss with the caterer the options that are available to you, maybe considering a hot buffet if that is cheaper than a formal seated three course meal. Enquire about providing your own drinks for your guests, or providing your own wine to accompany the meal.

You should carefully consider the bar arrangements as this can have a considerable cost. If you intend to provide a free bar, then ask about restricting this to only wine and beer, which will be cheaper. You may also wish to consider having the (free) bar open for a restricted period of time, an hour for example – or dispense with the free bar completely if you are supplying the wine for the meal and wedding toasts, etc.

4. Reduce The Wedding Guest List

Each name on your guest list is an increase in the cost of your wedding. It’s not just the catering cost that will increase, but also the table decoration, favors, rentals you may need and even the size of the room you need to hire. Avoid being lavish with issuing wedding invitations, don’t be pressured to invite all of your work colleagues and be selective over who’s children you invite – each child will probably cost you just as much as an adult on the wedding day.

Remove anyone from your guest list that you haven’t had contact with in the past few years and don’t bow to pressure to invite distant relatives. When you invite friends and relatives who are single, resist the temptation to include “and guest” on their invitation, they are attending your wedding, not out on a date paid for by you.

5. Revise The Day and Time

Saturday is the most popular day to hold a wedding, so suppliers and venues are likely to be booked and they have little incentive to reduce their prices. However, if you choose to have your wedding midweek, or on a Sunday, there is less demand for these days. Wedding suppliers will have fewer bookings for these days and will be more inclined to quote you better prices in the hope of additional work. If your wedding is timed for early in the day you may be able to secure a better rate from wedding car suppliers, as their vehicles can be used later for a second wedding or evening transportation jobs.

The Spanish Lottery Played in a Syndicate Satta Matka

The Spanish Superdraw-Lottery is drawn monthly, which allows the prize pool to grow to a significant size each month.

A standard month has a massive prize fund of 84 Million Euros. Other months like July, January and December see even bigger lottery prize pools, often completely dwarfing the Euro Millions Lottery. As a result, it has become more and more popular with lottery players across, Europe.

The Euro Millions Lottery sometimes creeps up above €100 million, but the Spanish Lottery is a minimum of 84 Million Euros each month (with the exception of August when it isn’t drawn).

Believe it or not, the Spanish Lottery was introduced a way back in the late 1760’s by King Charles III of Spain. The first Spanish Christmas lottery was drawn in 1812, and later in 1892 the name ‘Sorteo de Navidad’ was used.

The Christmas Lottery is the largest lottery in the world in terms of cash payouts, matka result with the main prize, know as El Gordo currently at €2.3 Billion.

Each month there is a Spanish Lottery draw of €84 Million, which itself is larger than almost all of the UK’s National Lottery Draws and most of the Euro Millions Lottery draws.

The only month that doesn’t have a draw is August.

The Superdraws are sometimes even larger than the €84 Million, and these have special names.

In January, the super draw is for El Niño (the Spanish name for this lottery draw is Sorteo de El Niño), and this is for €840 Million. Playing in one of our syndicates will guarantee you at least three cash prizes in this draw. Play Now!

In the summer, there is the San Ildefonso lottery. This is drawn in July and the prize fund is €150 Million. Play Now!

Finally, the last special Spanish Lottery is El Gordo (“the big one”), with a huge prize fund of €2.3 Billion. Play Now!

Now there is a way to play the Spanish Lottery from all over the world, online, and not only improve your chances, but offer you better value.

By playing in an online Spanish lottery syndicate with VWD’s eLottery you are guaranteed to win a prize.

Bingo – A Gambling Game

Bingo, also known by the name of Housie (NZ & Australia) or Housey (UK) is a popular gambling game. It’s generally played at large venues such as church hallway, rugby clubs etc. People buy tickets in order to try their luck out for huge prizes (money) at stake. As the game starts, numbers are announced randomly by a caller. Players strike them off in their tickets to attain the winning combination.

ALL ABOUT BINGO

A bingo ticket is divided into nine columns and three rows making it to be twenty seven free spaces in all. Now out of these nine spaces in each row five are filled with numbers and the remaining four are left blank. Columns can have either one, two or in rare cases three numbers. Numbers are placed in columns in such a way that column 1 gets numbers starting from 1 to 9, column 2 gets numbers starting from 10 to 19 and so on.

Game is looked over by a caller who calls out the random numbers. dominoqq Before starting the game he describes the prizes/money at stake. The record payout for UK national bingo game was £950,000. It was awarded to a lucky player from Gala Sheffield Parkway.

Then the caller begins to call out the randomly selected numbers either by using a random number generator, by drawing out number tokens from a bag or by the help of electronic ball drawing machine. The numbers are announced in a specific format speaking the individual numbers separately and then as a group if any. For example 90 is announced as nine zero ninety to avoid any confusions.

People keep on striking off the numbers in their tickets with the help of a dabber or dauber in order to get a winning combination. Most general winning combinations are

Horizontal line which covers all the five numbers in a row

Complete covering two lines on the same ticket

Line covering all the fifteen numbers in the ticket also termed as FULL HOUSE

Instead of buying separate tickets, players in UK usually prefer to buy a book of six tickets containing all likely numbers but in different patterns.

Player calls out line or house when all the numbers required for winning have been marked off. An official checks the ticket of the concerned person for the claim. Nowadays a computerized number validating system is used by officials to save the time.

There is often a small interval between the consecutive sessions of the game. Housey is often organized in UK by churches, community clubs, charities and sports clubs in order to raise funds. It’s also a highly rewarding and ever increasing business for many companies.

Stop Gambling Online – You Can Stop Gambling Online And Take Control Of Your Life!

The internet is swarming with all sorts of easy to access gambling websites. It is important to know that these sites can lead to a probable disaster for someone who is a known gambler. The bad news is, there are so many online casinos and betting websites that anyone can have access to.

If you have gambling problems, you will surely be tempted to go to these websites that are operating 24 hours a day.

A compulsive gambler may want to stop and start a new life but it’s impossible to stop the addiction. Even if thousands of dollars have been lost, family relationships have been broke, and friends have been left out cold, a gambler will never stop or put an end to the addiction.

The Diagnostics and Statistical Manual of Mental Disorders (DSM), the American slot gacor gampang menang handbook for mental health doctors, implies that compulsive gambling is a known psychological condition that needs treatment.

There are ways to know if a person is a compulsive gambler. A telltale sign of a compulsive gambler is the difficulty in stopping the urge to spend money in all kinds of gambling activities. There is also no restraint in the amount of time that he/she spends when gambling.

Restlessness and irritability is also a sign of this condition. An addicted gambler is very restless and irritable when doing required work, or any other activities that have nothing to do with gambling. Also, if a person starts to lie and asks for money to feed the gambling, you have yourself a serious gambler.

If you suspect that a significant person in your life is slowly becoming addicted to this problem, you need to talk openly to them. Open communication is the key to getting rid of this problem. Once you do find out that there is a problem, you need to take away the temptation first.

It is important that the person admits that he/she has a gambling problem and wants to get help. Both of you need to talk about it and agree on how the gambling can stop. Eliminating the actual computer will only show that you are not willing to trust the person, hence, your loved one will only find ways outside your home to get his or her gambling fix. You can simply hire a computer expert to block certain websites and install web filters for a start.

Basic Info on Online Gambling in Portugal

Like many countries today, Portugal has a ban on online gambling. The government does not allow for its citizens to take part in the online gambling community because they are worried about these games becoming a problem for some citizens.

Many citizens in the country are frustrated with the ban because they want access to the same things that the citizens of other countries have access to. It seems unfair that there are people in the United Kingdom and in Italy who are playing these games to their hearts content, but the Portuguese government claims it is just trying to protect its people.

No Online Gambling In Portugal

Portugal’s online casinos ban has gotten quite a bit of negative attention from all over the place including the European Union, individuals, as well as internet better companies. One of the most vocal critics was the company known as Bwin Interactive Entertainment, in fact the dispute between Portugal law and this company has gone to court and been heard by judges to try to settle the dispute once and for all.

Individuals and companies argue that it doesn’t make sense to ban the online casinos because people will continue to find ways to play, it doesn’t matter if it is legal or not. While many have said that they will continue to enjoy online casinos, the Portugal law requires ISP qq online providers to place a block on websites that promote what they consider to be unlawful content.

The government really is trying to shield its people from this business but many of the people are frustrated because they don’t want to be shielded.

Unfortunately for some that were trying to plead ignorance when they continued to game within Portugal borders, Portugal has been very specific about their ban on online casinos and related activity. Portugal has defined online gambling as “Placing a bet from Portugal territory over the web with a company based outside of Portugal”.

What this means is that if you are in Portugal you cannot place any bets over the internet, no question about it. Many people used to feign ignorance and still continue to play with online casinos, but now this wording makes it apparent that you cannot, at any time, gamble online when you are on Portuguese soil.

This makes it difficult for anyone to knowingly take part without worrying about getting caught and what the consequences might be.

Many people are still finding ways to go about enjoying online casinos, but the Portuguese government does not hold back and they have said that they will prosecute those that do not refrain from visiting and playing with online casinos.

While online wagering is currently a very popular form of entertainment, it citizens of Portugal will not be able to take part in this past time any time soon, at least not if they want to do it legally. Legislation is changing in regards to online wagering all the time and many hope that Portugal is one of the countries that changes its views.

How A Business Loan Helps Business People

Overview:
Becoming a self-employed businessman is a great reputation in the society but the problems faced by the entrepreneurs from the day one of their business is enormous. It is a great challenge for a person to overcome all obstacles to become a successful businessman. The numerous problem faced by all is finance. Even great entrepreneurs of various industries have struggled a lot of financial crisis for setting up their business and to run their daily business operations. Thus finance plays a major role in the life of business people. Great ideas require the necessary financial support to bloom into a successful business.

Introduction:
There are various sources for business people to raise capital for their business. The most trusted source is from banks. There are various reasons why people choose banks as the best source for raising capital for their business. Banks provide a lower cost of funds in the form of Business Loans. There are various types of business loans at differential interest rates to facilitate business people to solve their financial crises.

Types of Business Loans:
Businesses are of different types and need finance at different stages of their business operations. The need also being different, banks help them in providing different types of business loans helping various small and medium enterprises to raise capital.

New Project Loan – Banks are interested in funding for new businesses and also for new projects of existing business. There are various criteria for getting new project loan and differs from bank to bank. Project loans are approved against the collateral of the person like residential property, commercial property or empty land.

Top-up on Existing Loans – These loans are issued for expansion, replacement, diversification of an existing business. These loans are approved for short term or long term basis to buy goods, machinery or any fixed assets for the company.

Working Capital Loans -These loans are provided for the business to solve sudden financial crises and repaid within short durations. Banks are more interested in providing working capital loans against their inventories, stocks or receivable bills of the company.

Secured Business Loan – Business loans in which companies raise their capital against any security for the bank. It may include plot, residential or commercial places, gold, shares, bills, insurance as collateral to get funds for their business. The interest rate is preferably less.

Five Ways To Make Your Business Work Harder for You and Your Family

When a family vacation is something you’re considering, think about coordinating it around a work trip. Do you need to go to conventions, trade shows, seminars or other training for work? If you drive to go to those business activities, your gas mileage is tax-deductible regardless of how many individuals you have in the car with you. Does this conference or training trip require you to stay in a hotel? Your hotel expenses for that night can also be deductible regardless of whether you have your family with you in the room.

Scheduling family vacations around business travel can help make it more manageable. This allows you to enjoy time with your family or friends while also working on your business. Consult with your spouse or family to coordinate the two.

Manage taxable income and year-end purchases to lower tax bracket

Operating and owning a business requires seeing the big picture and planning for the future. Your business will likely need new or updated equipment, computers, other technologies etc. to operate smoothly and efficiently. Be able to forecast these needs.

Here is where you coordinate your tax situation with these needs. If you know you are in need of new equipment, computers, etc. in the near future, look at your taxes. If you are looking at a higher tax bracket for the year you may want to make these necessary equipment purchases sooner than expected. Or you may want to wait until next year. This requires consulting with your business advisor to determine the best option.

Use Retirement Plans

Consider reducing your current income by using a Retirement Plan. Not only will this help you once again for tax purposes, but it’s also helping you and your families future. So many small business owners neglect to put retirement needs on their priority list. Often we hear “my business is my retirement plan.” Putting all of your eggs into one basket can be extremely risky and even dangerous for your future.

You may want to consider adjusting your salary in order to account for contributing to a retirement plan. There are many ways to rearrange things to make it possible to contribute. The tax savings alone can help justify the redirecting of your income into a retirement plan. Be sure to look at all of the different options and scenarios as this will provide further clarity.

Resilient Businesses Move Their People To The Cloud

Every year, as the Atlantic hurricane season approaches many businesses have a nagging realization that they are at risk due to a catastrophic “Black Swan ” event. Black Swan events are a constant source of risk in states like Florida where many communities are subject to disruption due to coastal storms. This risk is particularly acute for businesses that depend on the storage of on-line data if there is a chance their critical data could become lost or corrupted. But the threat from Black Swan events isn’t limited to Florida, nor is it limited to large scale disruptive events like hurricanes.The black swan theory or theory of black swan events describes a disruptive event that comes as a surprise, has a major effect, and is often inappropriately rationalized after the fact with the benefit of hindsight. The term is based on an ancient saying which presumed black swans did not exist, but the saying was rewritten after black swans were discovered in the wild. Consider the following scenario…

“We tend to think of disasters in terms of the attacks on the World Trade Center, Hurricane Katrina, or other mega events. Sometimes, however, less notable events occur that can have a catastrophic effect on a business. In February 1981, an electrical fire in the basement of the State Office Building in Binghamton, New York, spread throughout the basement of the building setting fire to a transformer containing over a thousand gallons of toxin-laden oil. Originally thought to be PCBs, the toxins were soon determined to contain dioxin and dibenzofuran, two of the most dangerous chemicals ever created. The fire was smoky and quickly filled the 18-story building with smoke. As the transformer burned, the soot entered the buildings ventilation shafts and quickly spread toxic soot throughout the building. The building was so badly contaminated that it took 13 years and over $47 million to clean before the building could be reentered or used. Because of the nature of the fire, the building and its contents, including all paper records, computers, and personal effects of the people who worked there, were not recoverable. This type of event would be irrecoverable for many businesses.” – Operations Due Diligence, Published by McGraw Hill

What affect would a catastrophic hurricane that affected an entire region or a localized disruptive event like a fire have on the operation of your business? Could you survive that kind of interruption or loss? As the dependence on on-line data has grown in virtually every type of business, so has the risk that loss of their data could disrupt the operation of the business and even result in its complete failure. In response to these threats, there has been an evolution in the approaches used to mitigate these risks as the volume of on-line data has continued to grow. Originally, the concept of Disaster Recovery (DR) emerged as a mitigation strategy that focused on the recovery of critical data after a disruptive event by giving the business the ability to restore disrupted IT operations.

How to Think Differently in Business

To hit gold in business, you have to think gold. What is your business all about? How do you intend to maximize profits? Here are tips on how to think different in business:

Think back to the future

Don’t wait till the harsh business storm hits your business; rather, always think of what to do better or next. For example, what are the things you need to put in place to ensure business growth? What stage is your business on the business chart, that is, in areas of development, growth or decline? Is your business vision realistic? What is your current profit margin? What is your intended profit margin? How do you intend to speed up your productivity? Evaluating your business, keeps you prepared for the future.

Believe your ideas are valuable

Always think your glass is half full. Think about possibilities not only about likely constraints. As a business owner, you have to nurture a positive mental attitude; believe things will work out fine. If there are possible risks, device means to avoid or manage them. Risks are unforeseen, but you can plan ahead to avoid or mitigate them. Being positive in business enables you take a chance on yourself, be bold to take calculated risks, and believe you are adding value, even when the numbers say otherwise. That is a way of thinking differently in business.

Dig beyond your current offerings

Do not just view things on the surface. Think intensively and carry out research on other ways your business can benefit your target market. Reflect on the true realities of where your business stands at the moment. What are your business challenges? Classify them and analyse them to see how you can make a difference. Outline your business SWOT analysis (Strengths, weaknesses, opportunities and threats). Go beyond the surface; be realistic.

Your competitors are watching

Understand your business environment; be familiar with your competitors’ strategies – if you are not, you can bet that your competitors are doing their homework. What resources do they have that surpasses yours? How can you leverage to collaborate and partner to get the necessary resources? What’s the best way to build more goodwill? Do a survey on your business, and be cautious of the events happening in your business environment.

Tips for Planning Your Business Startup

Starting a business can be a very daunting adventure if a proper plan is not put in place. Most entrepreneurs start up their businesses without putting adequate plans in place to succeed. No wonder one out of every five businesses crumbles within 5 years! If one thing should be taken very seriously, it should be your business plan. This is your “blueprint for success.”

Every business begins from a thought. A thought or idea can only become reality when expected actions are taken. When an idea is conceived, the logical corollary is that such ideas need to be written out, in black and white and on paper; or else the idea will fade off when the enthusiasm that the thought initially brought subsides. Hence, having a written business plan is pertinent if your business is to stand the test of time.

Now, what is a Business Plan?

One definition, according to entrepreneur.com, is that a business plan is a “written description of the future of your business; a document that indicates what you intend to do and how you intend to do it.” If you notice a paragraph on the back of an envelope describing your business strategy, you have already started a written plan, or at least the first draft of a plan. The business plan itself consists of a narrative and several financial worksheets.

The very act of planning helps you to think things through in a systematic and thorough way. Study and research your market niche if you are not sure of the facts, and look at your ideas critically. It may take some time now, but helps to avert costly and disastrous mistakes in future.

In this article, I want to provide a very brief look at the steps involved in planning a business:

1. Identify Your Passion: Knowing what you love doing, even without making money, is the stepping stone in starting any business. Most people enter into a business they know nothing about, and stop after only few months. Some get tired of their businesses simply because they are not happy with the activities involved in running the business anymore. According to Sabrina Parsons, (CEO of Palo Alto Software) “Know yourself, and work in a job that caters to your strengths. This knowledge will make you happier.”

The reason why many businesses fail in their first five years is because the entrepreneurs do not find fulfillment in running their business anymore. Hence, they tend to move on in search for happiness.