- Planning your wedding and getting married should be a wonderful memorable experience. Without great planning, your wedding can be stressful and you can quickly feel overwhelmed by the escalating costs, the family politics and the sheer volume of what you need to do. To ensure your wedding goes without a hitch and you remain sane throughout the process follow these simple wedding planning tips.
Recruit your most creative, organised, enthusiastic friend or family member to help you plan your wedding. This will immediately cut your stress and your workload down by at least half. That is, if you are able to fairly delegate and share the responsibilities.
Use the following ‘wedding planning things to do’ list to help divide the responsibilities between you.
Things to do:
Book the church or wedding ceremony venue.
Give yourself ample time to plan for the wedding and for guests to ensure they are free on the day. welkomstbord bruiloft Anything from one year to two years is usual for an advance wedding venue booking.
Apply for the licence:
Depending on where in the world you are, the rules re marriage licences will vary. Ensure you are compliant and do whatever is required according to your states laws.
Set the budget:
The size of the budget will determine every other action action you take in planning your wedding, so spend time practically working out an accurate wedding budget based on what you can afford and what you believe is reasonable to spend on this one special day. Parents of bride and groom may offer financial support. Do not take this for granted. If parents do announce they will cover the cost then they will presumably set the wedding budget for you. Ensure you respect the limit imposed.
Once you have the budget you need to divide it up to cover the many costs associated with wedding planning and execution.
Things to consider are detailed below:
- Guest List
- Who is coming?
- How many can you afford to cater for?
- Should they attend the marriage ceremony, the cocktail hour and the wedding party reception or just the reception?
Some people have only close friends and family for the wedding ceremony and include a larger guest list for the evening reception entertainment which may include work colleagues and casual friends. Children are a consideration as some prefer not to have children at their wedding while others are more than happy to encourage a family wedding environment. If you are including children in your guest list remember to accommodate their needs when catering the reception and planning entertainment.
Most brides like to have a ‘theme’ for their wedding, even if only to establish that it will be a traditional white wedding theme. When considering a theme for your wedding consider what reflects the personality of you and the groom and what can easily be managed within the scope of the wedding budget.
Popular and trending wedding themes for 2014 and 2015 include rustic wedding, shabby chic weddings, country garden (tea party) style wedding and all things vintage.
There are many resources you can access online and offline (wedding magazines) for ideas on creating the perfect themed wedding. Create a wedding ‘mood board’ with your favorite colors, fabric, flowers to set a tone for the wedding and to help collate your thoughts. If you are hiring a wedding planner, she or he may create a mood board with you.
Marriage Ceremony Venue
Knowing your wedding theme will help determine where you want to get married. Select somewhere that sets the tone for your themed wedding. A small chapel or church for a traditional wedding for close family and friends or an outdoor garden ceremony for a more rustic, country themed wedding. Weather will be a factor as will guest numbers and budget.
When deciding where you would like to hold your wedding reception, evening party or cocktail hour consider how your guests might travel from the ceremony venue to the reception and how long they might be at a loose end in between.You may need to budget for transport for guests, allow for ample parking and prepare detailed directions. For guests who have to travel some distance to attend your wedding, you may also need to arrange overnight accommodation or provide a list of local hotels.
The email lottery scams have been around for quite some time now. You might think that a scam as obvious as this would now have been obsolete as more and more Internet users are becoming more aware of the scams that go on in the Internet today. So why is it that there are still many such cases?
It does seem weird that there are still so many such scams around even though it might seem that most people are now aware of it. But the shocking part is that the number of victims to the email lottery scams are still quite high. There are mainly two reasons why the email lottery scams are still around. The first reason are the novice Internet users, and the second reason are those scammers themselves.
Let’s look at the first reason first. The Internet is a growing trend, which means that almost everyday, new users are coming online for the first time. While most of the seasoned users know of this scam, those newcomers do not. There isn’t really a manual for Internet beginers on what scams are out there and how to avoid them. It is a pity, but it is the fact. Almost all of the victims are newcomers.
Think about it for a moment. When we first used the Internet, all of us have at least once or twice saw one of those scams out there, and we did fell for it. We really did believe them early on, didn’t we? Or at least we wanted to. It is the same for those who are new to the Internet. And that is the main target for those scammers. That is why it is important to share our experience with everyone who are new to the Internet.
Now let’s look at the second reason, the scammers themselves. satta matka Earlier on, they would just send you a simple email and tell you that you’ve won a lottery prize. That was the method they used before, now they have improved their attack to make it that much more believable. Many of them will illegally include the logo of a legit lottery company to pretend to be that legit company.
Some of them won’t even tell you that you’ve won the lottery. Instead, they will ask you to just join their online lottery draw for free. All you need to do is just register with them for free by sending you name and address to their email. And after a few weeks, they will claim that you’ve won a prize. They are smart enough to say that you didn’t win the grand prize, but a consolation prize in the form of $500 or perhaps a smaller prize. That is to make it a little more believable. Many people are fooled into believing that it is real, since they themselves registered with it.
The threat of the email lottery scams are real. But what are they after? Those that are just after your money is bad enough. But there is one thing that those scammer are after that could really prove to be dangerous to you.
Kevin Lopez is a freelancer who has extensive experience in a wide field of professions. The author has over six years of research experience in the Internet Business and Marketing. To learn what those scammers who created the e mail lottery scam are really after, please read this article What those scammers are after can pose a great danger to you and your family.
With so much being talked about the problems of gambling addiction we have lost sight of the fact that gambling can actually be a fun way to past the time whether it’s online card games like poker or going to the casino to play roulette or indulging in some sport betting on horses or your favourite football or basket ball team.
That’s it, a way to past the time, like going to the movies or the theatre or what ever. It is not a way to make money, if it were, casinos and book makers would go out of business a few days after opening. If you are thinking about gambling to make money and you live in Gt Britain then the safest way to gamble is to buy premium bonds where at least you get your money back when you want it, the only thing you lose is the interest you would have earned if you had put it in a savings account.
The only way to view gambling is to say to yourself I am going spend this amount of money having some fun and when it is gone I am gong to stop and do it. Never chase your losses, lying to yourself that just another few hands and you’ll get it all back. It can happen but the odds are greatly stacked against it. You don’t want to end up like the famous courtesan La Belle Ortero who gambled away her $25 million fortune and died in poverty.
The proliferation of online gambling sites has been tremendous; it has never been so easy to lose your money. dominoqq Once you had to visit a casino, betting office or go to a track but now you only have to click your mouse to have a game of poker or roulette or whatever. Remember when you bet online nobody can see how much you lose.
That said, some women can find it a positive advantage when playing online card games because they can choose to have a male nickname which, they feel, gives them a slight edge as the male players won’t think about their gender in the playing strategy.
There is nothing like the feeling of when you win a big pot at poker, your number comes up in roulette or your horse romps home with long odds but remember the saying of sporting endeavours which is ten times more important when it comes to gambling, ‘it’s not the winning that’s important, it’s the taking part’.
Ian Richards webmaster of yourpower2be.com, on line webzine. You will find beauty tips, health information, familly budget and finance, shopping to die for, make up, holidays and travel, recipes, information on pets and gardening, weddings, and a whole lot more.
It was 1994 in the tiny island country of Antigua and Barbuda, a certain law was passed which made the location a legal jurisdiction, allowing it to issue gambling licenses. This law paved way for online gaming and until today, most gambling companies would base their business in the country to utilize their license.
The gaming software came years before the commencement of online gaming. An Isle on Man-based software company called Microgaming developed the first fully operational online casino software which gave birth to many online gambling sites. Whereas Cryptologic, an online security software company, provided the indispensable software which made internet transaction safe, secure and workable. By 1995, the first online casino was launched.
Like many things that did not have a smooth start, the launch of online gambling also met many obstacles. One major problem it met along the way was the legality of the trade. The very idea and concept of online gambling was opposed and resisted by many and especially in the United States. Senator Jon Kyl of Arizona for several times tried to prevent American citizens from gambling online and also promoted anti-gambling campaigns.
Recently, on September 30, 2006, the US Congress passed a bill stating the it is illegal for banks and credit card companies to process payments from US residents to online gambling companies. This bill later became a law which President Bush signed on October 13.
But although online gambling have up to now been fought against by many individuals, slot gacor gampang menang organizations and even the government, many are still captivated by the allure of this addiction. Thus despite all the disputes, supporters and players around the world are hooked in participating to online gambling. Most common online gambling games are:
- Online Poker, or Internet Poker, is known to be partially responsible for the dramatic increase in the number of poker players worldwide. Online poker tables mostly host games of Texas hold ’em, Omaha, Seven-card stud and razz, both in tournament and ring game structures.
- Online Casinos utilize the internet to play casino games roulette, blackjack, pachinko, baccarat and many others. Internet casinos may also be divided into three groups according to their interface: Web based casinos, Download-based casinos, and Live casinos. Web based casinos are played without the need to download software for playing games. Plug-ins must be installed in the browser to accommodate such games. Download-based casinos require clients to download software in order to play and wager on the casino games offered. The software connects to the casino service provider and handles contact without browser support. Whereas Live-based casinos allow online players to play and interact with the games played in real world casinos. In this setting, players connected online could see, hear and interact with live dealers at tables in casino studios around the world.
- Online Sports Betting, where there are a variety of sporting events that a player could wager over the internet like fixed-odds gambling. Wagering or betting could be done through Bookmakers, spread betting firms and betting exchanges.
- Online bingos are also available via the internet. Also for Mobile gambling, there are now developments in the utility of wireless and cellular devices in gambling notwithstanding the raucous debates for gambling online.
Like many poker fans, you may have been concerned about the passing of the Unlawful Internet Gambling Act last year. Does the Act make it illegal to play online poker?
First of all, you should know that even before the Act was passed, online gambling was already deemed illegal by 11 states. I assume this means that the state laws deem online poker to be illegal–I am not familiar with all of the state laws, but that is what I would conclude. The 11 states in which online gambling was deemed illegal–and remains so today–are Illinois, Indiana, Louisiana, Michigan, Nevada, New Jersey, New York, Oregon, South Dakota, Washington, and Wisconsin. Let me repeat, online gambling remains illegal in these states. However, as far as I can tell, no one has ever been prosecuted by any state for gambling online.
In California, where I live, the law does not equate “poker” with “gambling” but deems it game playing, and professional poker players are not deemed as gamblers, but as professional game players.
After the Act was passed, nothing actually changed with regards to the legality of online gambling. As I have said, it remains illegal in those 11 states. But the Act did not make online gambling illegal in the United States of America as a whole. Following this line of thinking, then qq online logically there are 39 US states in which online gambling is legal, as it was before the Act was passed.
So what did the Act do? In spite of its name, it does not declare online gambling to be legal. Instead, it made it illegal for financial institutions in the US to allow the use of electronic fund transfers and credit or debit cards in connection with online gambling. So players can no longer make bets or collect winnings through these methods. Of course, most US banks and credit card companies already denied the use of their cards on online gambling sites. But the new law has placed even more restrictions on player’s means of transferring funds to and from online gambling sites.
Nevertheless, there remain a number of online poker sites that accept real-money players from the United States. If you are a US citizen and you find yourself barred from one poker site, then don’t fret–you are sure to find one that will allow you to play.
There is controversy, after all, on whether the new bill is even enforceable. After all, online poker sites are situated outside the United States. So how can a United States law be made to apply to them?
Is it legal to play online poker in the United States? The answer is yes, it is legal–at least in 39 out of the 50 states. But the new bill has made it a lot more difficult for US players to make money at it.
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.
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.
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.
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.
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.
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:
- 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.