May 23

3 simple steps in the Forex market:

Stage 1. Education on the DEMO-account.

Anyone can open a demo account and learn Demo- working with forex trading platform (MetaTrader 4 is the best fx trading platform) and trading techniques for unlimited time free of charge. Even without knowing about the Forex market, you can come close to bid on it, open a demo account. Despite the fact that all transactions on the Demo-accounts are virtual and do not appear on the Forex, you get a complete copy of all the conditions on a real trading account. On the demo account, you can make transactions just as you would on a real Forex account.

No matter how many questions you have – you can try to find an answer on a demo account without risking anything and being able to open an unlimited number of these accounts for free.

Step 2. Trading on the live account.

Having acquired experience with the terminal and train the basic tricks of the trade, you can try your hand at a real trading account, limiting their risks by amounts that are considered acceptable. With no restrictions on the minimum amount of the transaction, you can trade on the principle “risk = profit”, which determines the amount of their investments themselves.

Work on a real account allows you to understand and learn what can not give a demo account as if you are not seriously treated him. Working with real, even minimal means, you feel what he feels any trader in the financial market – the connection between the rate movement and your profit. This priceless experience is needed for the transition to the next stage of development of a professional trader.

Step 3. Professional work.

After receiving all the necessary knowledge to operate, a trader may work independently on the foreign exchange market, using their own or others’ trading strategies to profit from movements in exchange rates. Professional trader determines the style of their trade, chooses the trading symbols that he uses in his work, and he controls his work.

You can try many trading strategies and choose most appropriate for you.

Not all new traders reach the third level, but the forex trading companyFreshForex ensures that her forex trading company team online will make every effort to help each client in this case, to move forward and get the full support if you have any questions.

May 02

Strategies for Looking After the Body’s Largest Sized Organ: Skin

When looking at all the bodily organs within the human body, perhaps the most significant one is actually the skin which of course protects the whole exterior of the body. It is the “wrapper” that holds the particular muscle tissues, bones and joints and other organs of the entire body. This is basically the means by which a lot of waste elements get removed via sweat, the means through which temperature is certainly controlled, and much more. Skin care will be as important as is virtually any alternative sort of body care and possesses an added importance of influencing people’s appearance. Every time a person begins to take suitable care associated with the actual skin early in life, the younger visual appearance on the epidermis in addition to functionality is actually maintained for a much longer time frame.

A person’s complexion requires proper liquids intended for optimum functionality plus physical appearance. It should be moisturized internally, simply by ingesting plenty of pure water each day, as well as via the outside with regular moisturizing. The perfect time to hydrate skin is actually after baths, when it’s nice and clean plus nevertheless a little moist on the surface. The primary surface connected with old skin debris must be brushed away day-to-day via a stiff brush, or perhaps even better, someone ought to only exfoliate using PMD microderm so that you can uncover the fresh, glowing epidermis underneath. Correct natural skin care for all times ought to be every one’s mantra.

Apr 27

In Order to Be Competitive, You Need to Play the Game

Anybody that runs a company should recognize that creating a correctly SEO’ed webpage is not negotiable. Your organization is not going to live devoid of it. It doesn’t matter if you may not think yourself to possibly be personal computer as well as web experienced, or not. Exactly why not? Because a person’s customers are! Consequently, if you want to bring these folks by your front door, you are going to have to take part in the game. Luckily, nonetheless, you don’t need to privately study every little thing there is to know concerning the online world – instead, the intelligent action to take is usually to use a business to address those things for you. There are additional Internet connected specialized businesses today than most men and women recognize.

It started out with web page design. You could employ someone to develop you a personalized web site. The problem (pertaining to companies, at the least) is the fact websites like these truly needed to be properly optimized to make sure they would likely rank well so far as page rank is involved. Today, however, it has vanished way beyond that. Presently there are usually expertise throughout the specialties. Think about automotive marketing, for instance. You can find SEO companies which do nothing at all apart from get the job done offering specialised analysis and optimisation for this one certain niche. Other companies do the very same for all those in various other careers, including treatment, picture taking and the like.

Jan 17

choosing your next accountant

In a recent member survey the common age of a public follow controller in Manitoba was found to be fifty six years previous. meaning that 1/2 practitioners are going to be retiring within the next ten years and 1/2 little business house owners can got to notice a brand new controller.
Hiring Associate in Nursing controller like accountants Goodyear AZ is not any longer as regards to finding somebody United Nations agency will crunch the numbers and maximize your tax refund. you would like to seek out a sure authority – somebody United Nations agency will assist you to form smart selections, supported info drawn from correct information and enlightened by broad business data.
Here square measure ten tips to contemplate after you begin craving for your next nice accountant:
1. tRUST a delegated controller
There is one accounting designation in Manitoba – the hired skilled Accountants of Manitoba. This makes it straightforward for you to spot whether or not Associate in Nursing controller has received formal coaching and achieved knowledgeable designation. Any accountant that you simply speak to endured years of formal coaching, intense and comprehensive examinations, and a sensible expertise assessment before being granted their accountant designation. The {cpa|certified public controller|CPA|accountant|comptroller|controller} designation ought to be a minimum demand once evaluating a possible accountant.
2. verify the requirements OF YOUR BUSINESS
Figure out whether or not you only want Associate in Nursing controller to organize your money statements and file your taxes, or somebody United Nations agency will offer recommendation and assist you grow your business. The vary of services offerd by accountants is numerous and not all accountants will provide a similar services. decide if your perspective controller will meet all of your desires and expectations.
3. provoke REFERRALS
Your personal and skilled networks square measure a good place to start your search. raise the individuals you recognize United Nations agency they’re presently mistreatment, what they like concerning their controller, and whether or not that skilled is acceptive new purchasers.
You may got to be involved along with your controller throughout the year. Some accountants square measure willing to supply around-the-the clock service for purchasers. Some accountants add larger corporations that take a team-based approach to serving their purchasers. can the controller you’re interviewing be the controller United Nations agency can handle your file and prepare work for you? you wish to be snug with United Nations agency you’re addressing and also the level of service being provided.
Most accountants charge by the hour (between $150 to $250 per hour, betting on their duties). You’ll need to seek out out what those fees embody. Bring a replica of your previous year money statements and company revenue enhancement come back Associate in Nursingd see if they’ll provide you with an estimate of value for his or her services.
6. GET NAMES OF different purchasers AND REFERENCES
An controller United Nations agency has established themselves ought to have a couple of purchasers that square measure willing to supply a good reference. raise to talk to current purchasers United Nations agency would be willing to convey Associate in Nursing endorsement.
7. decide IF they need EVER in hand A BUSINESS
It isn’t a deal breaker if Associate in Nursing controller has not in hand their own business, however it is a profit. Your controller goes to supply you with lots of recommendation throughout your relationship, however is that recommendation supported what they need scan during a book, or have they really learned from their own business failures and success.
Paperless accounting saves time and cash. decide whether or not your controller operates a paperless workplace and may send and receive electronic documents at a moment’s notice. you may gauge however technologically savvy Associate in Nursing controller is by whether or not the firm encompasses a web site, and if they use social media networks like LinkedIN, Facebook, and Twitter.
Try to notice Associate in Nursing controller United Nations agency isn’t excessively aggressive, however is inventive whereas operating among the principles. raise however they’d treat sure deductions, income, or ways. Some accountants is aggressive in their tax designing, which may place you and your business in danger.
10. raise TO BE unbroken within the LOOP
Some accountants have newsletters and blogs that keep their purchasers enlightened. seek for Associate in Nursing controller United Nations agency can offer you with info after they bump into a thought, concept, or article that would be of interest or profit to you.

Nov 08

3 Ways to Spring Clean Your Finances

Spring is here, and it’s time to clean up our finances! Of course, one crucial aspect of cleaning your finances involves getting organized. There are some great tips to get started in my webinar “Personal Financial Organization & Goal Setting,” which you can view on SaveUp.

If you’ve already got that down, here are three simple but important things you can do to give your finances a tune-up and strengthen your financial position.

Review and Update Automatic Retirement Account Contributions — Automatic retirement account contributions are one of the most effective ways I’ve seen clients save for retirement. Even if the amounts deposited each paycheck aren’t large, the consistent nature of these deposits add up over time. Take the time (it won’t be long) to establish these deposits. Perhaps you received a raise this past year, but didn’t increase the amount deposited-make sure to increase your deposits accordingly. If your employer matches the funds in your account, be sure your contribution is at least equal to that figure. A rule of thumb for retirement savings is 10-20 percent of income. Be sure you don’t exceed the maximum yearly contribution allowed for the account.

Request a Credit Report — It’s a best practice to request a copy of your credit report once a year. Fortunately, you can do so for free at According to, “It’s the only authorized service for your free annual credit report.” You have to be discerning about where you get your information. Credit Karma is another helpful resource. You can download the mobile app for free, monitor your credit score and get helpful tips to improve your credit health.

It’s important to make sure your credit report is accurate because this information can be requested by a new employer, landlord or loan officer. If you see something suspicious, it might be a sign of identity theft which is another important reason to check it periodically. You can correct errors or omissions that occur for any reason. The Federal Trade Commission has detailed information on how to make a correction.

Confirm and Update your Beneficiary Designations — Certain types of financial instruments (insurance policies, retirement accounts and annuities) have what is called a designated beneficiary. This means that upon your death, the funds in that account go directly to who you assign as your beneficiary. This is the person or persons (you can name more than one) who will benefit from the account. This designation overrides your other estate planning documents. For instance, if you state in your will that you want all your assets to be left to your mother, but your ex-boyfriend is the designated beneficiary on your 401(k) then, unfortunately, the funds in your 401(k) will go to your ex-boyfriend. These designations are very hard to contest, so its important to get them right.

Another place to check is your employee benefits, such as life insurance offered for free through your employer. Make sure those funds will be dispersed according to your wishes and coordinate your beneficiary designations with the rest of your estate planning documents. This means requesting a confirmation of your current beneficiary from each institution and then requesting a change of beneficiary form if you’d like to make an update. After the change has been processed ask for a confirmation of that update in writing and keep it with your other important documents.

It might seem obvious that improving your finances includes saving for retirement, but it’s important to think of your financial plan in a broader way. It’s also about putting protections in place. In this case, that means confirming your credit score and checking for identity theft. It’s also about formally expressing your wishes to loved ones. Confirming your designated beneficiaries is one way to do this. Take a little time this spring to improve your finances by following the tips above and continue to SaveUp!

Nov 02

5 Common Financial Fears (and How to Overcome Them)

We’ve all heard the adage “when the going gets tough, the tough get going.” And we’ve most likely seen it in action: people who experience hardship, financial or otherwise, and face that hardship with steely resilience and fervor, wasting no energy on self-pity and the blame game. On the flip side, we’ve also watched others fall victim to the hardship and be paralyzed by their anxiety or fear. How do you avoid paralysis and stay financially resilient in the face of adversity?

Here are five actionable steps you can take based on the insights that Women & Co. readers have shared with me and a bit of my own experience tackling financial fear:

1. Embrace and pinpoint your fears.

As Betsy Myers says in Take the Lead, leaders aren’t fearless but have the courage to confront and push through their fears. This starts, Betsy believes, with pinpointing exactly what it is you’re really afraid of. When it comes to your finances, is it admitting you made an investment mistake, lost your job, or can’t afford to go out on the town every weekend?

2. Believe in yourself, stick to your values, and have faith that things will improve even if you don’t have all the answers today.

This is advice from Mary Carlson, Holly Hicks-Opperman, and Tricia Doane who are members of the Citi-sponsored Connect: Professional Women’s Network on LinkedIn. I would add this: remember what makes you valuable is who you are as a person, not about what you have.

3. Take stock of where you are financially: what is coming in, what is going out, and what you have in reserve.

Then put together an action plan based on what’s important to you and where you want to be tomorrow financially. Whenever I feel financially anxious, putting “pen-to-paper” or “stylus-to-tablet” helps me breather easier and regain some measure of control over my financial life.

4. Seek out professional advice.

A banker, debt counselor, or licensed financial adviser can review your situation, offer a fresh perspective, and connect you with resources, online and offline, for dealing with the financial issues you are facing and refine your action plan.

5. Focus on consistency, not perfection.

As you move forward, keep in mind that financial toughness is a marathon, not a sprint, so you don’t have to tackle everything at once. Taking it one step at a time will help you build good financial habits that are sustainable through the good and not-so-good times. From time to time, even the most financially strong stumble — at least I do! — the difference is that we regain our balance and keep moving, rather than let that misstep derail us for weeks, months, or years.

Oct 21

How to Prevent Financial Snooping

Edward Snowden made waves internationally with his revelations about the electronic snooping the U.S. government does into personal communications. But government spooks aren’t the only people who may be trying to peer over your shoulder digitally.

The growth of electronic banking has spurred growth in the number and sophistication of criminals using computers to pry into the private accounts of people and businesses. Getting taken by one of these criminals may not be as traumatic as an on-street mugging, but it can be every bit as costly.

Here are some things you can do to protect your accounts from criminal snooping:

  1. Cover the keypad. Behind you at the ATM or in line at the supermarket checkout, there may be someone waiting to casually observe your PIN for future use. Don’t even bother looking behind you — whatever the situation, get in the habit of using your free hand to screen the keypad as you type in your PIN.
  2. Take a good look at that gas pump. Thieves are increasingly using credit card skimmers — devices that look like card readers, but that secretly transmit your credit card information to their operators. If the card reader at a gas pump seems loose-fitting, sticks out more than usual, or doesn’t quite match the surrounding equipment, notify a station employee — and don’t insert your card!
  3. Don’t use public networks to view sensitive financial information. Online savings accounts and checking accounts may be increasingly popular, but pick your spots to check your account. Public networks are typically not as secure as those at home or your place of business.
  4. Don’t broadcast your information. Another drawback of accessing sensitive information in public is that if you are using a WiFi hotspot, scammers can use Bluetooth-like devices to pick up the information you are transmitting from your computer to the network.
  5. Always log off when finished. Wherever and whenever you access your account, always log off the bank site when you are done. Logging off is like locking the door when you leave the house: It doesn’t make breaking in impossible, but at least you won’t have made it easy.
  6. Know what’s in your wallet. Periodically make a photocopy of the credit cards in your wallet, and keep it in a secure place. This will help you quickly identify the cards and the numbers that need to be reported if your wallet is stolen or missing.
  7. Go through credit card statements line-by-line. Don’t just look at the total amount you owe — check out each transaction on your credit card bill to spot anything unusual. Some scammers are subtle enough to use card information for a series of transactions that are small enough to go unnoticed, so they can continue to bleed accounts over time.
  8. Balance your checking account. This involves a statement review similar to checking your credit card statement, but balancing the bank’s records against your own is a real double-check for preventing unauthorized transactions of any type from endangering your checking accounts.

Think of your bank accounts as a pile of money: You wouldn’t invite a stranger into a room with that money just sitting there, so don’t allow criminals to get that kind of ready access to your money electronically either.

Sep 17

How To Manage Your Budget: Top 10 Tips

10) Tell a friend: Correction, tell a good friend. This means someone who will hold you accountable without making you feel guilty.

9) Reward yourself: Everyone likes a pat on the back from time-to-time. Get yourself something special if you stick to your budget for an extended period of time. Looking forward to something makes the task of budgeting easier. Just make sure to factor the cost of your reward into your budget.

8) Let go: No more guilt. Stop being so hard on yourself! We’ve all made mistakes (Including me! I lost $35,000 on one bad investment. Yes and I recovered). Forgive yourself so you can move on and forward.

7) Use technology: Online bill pay, smart phone apps, special calculators, email alerts sent to you from your bank; all these things are your friend. Hang out often.

6) Check regularly: Money needs to be monitored to grow, so check on it regularly to ensure that it’s doing what you instructed it to do.

5) Set a goal: This will help you to achieve your desired outcome. Just like it makes no sense to get on a plane without knowing where you’re going, it makes no sense to create a budget without a specific destination in mind.

4) Simple and soon: Procrastinating makes things more complicated then they need to be. Start now. Write down what you spend each month, then subtract what you spend from what you make. Use your bank statements to help you. That’s your basic budget. It’s just that simple! Nee help? Day 1 of The One Week Budget is available here for free. It will help you create a beginner budget, so no more excuses.

3) Open a Bills Account: This should be a free checking account where you allocate your bill money each month. Separating your funds will help you to avoid “accidentally” spending money designated for bills.

2) Give and get an allowance: I bet you never thought you’d get one again. After creating your budget, decide which items you can pay for with cash each month and add their amounts up, then divide the total by 4. That’s how much your new weekly allowance is. Taking weekly cash allowances will seriously help to curb your spending. Also, give yourself a cash allowance when shopping & leave the cards at home. This way when the cash is done, so are you.

1) Automate: By taking out the “flawed” human element, aka you, you’re more likely to stick to your budget. I’ve automated everything; payments, bills, saving, investing, even giving to charity. Automation is the new discipline.

Do you have any great budgeting tips that are working for you? Please share them with me in the comments. I’d love to hear them.

Aug 15

My Personal Experience on How to Save Tens of Thousands of Dollars on College Tuition

My daughter Abby applied to college this year and as the acceptance letters start coming in, we’re getting to the stage of choosing a school. Of course, we’re thinking about important factors like education, quality of life and location; however, like most parents, we also have to consider cost.

Our interest in getting the best financial support possible from the best school for Abby helped me discover a way of potentially lowering college tuition by a significant amount. I’m passionate about educating people on these topics, so I’m excited to share my personal experience with you. Read on — it could save you tens of thousands of dollars!

Our Story

After we narrowed the list of potential schools down to a handful of favorites, we began to look seriously at the costs of each one. We were grateful that Abby was awarded a fairly large merit scholarship from two universities, so now, I had a benchmark. I decided to contact the admissions departments of the other universities to find out if they would award additional merit money, or, for the ones that didn’t offer anything, if they would consider doing so.

I discovered that each school is totally different. One university very nicely told me that they don’t adjust their merit scholarship offers. A second, who had awarded Abby a $7,000 scholarship, walked me through their very simple appeals process, in which you can ask to be reconsidered for a higher award (as of right now we are waiting to hear back from them). Another school, which didn’t send an offer, explained that because of a change in policy, they were only sending out acceptance letters now. If Abby was awarded a merit scholarship, we’d find out in a couple of weeks, and the advisor hinted that we should call back in March if she didn’t receive an award in the first round.

Finally, a fourth phone call led me to an admissions director’s voicemail, which suggested sending an email. So, I sent an email explaining that this university was one of our top choices, but that we were looking carefully at cost and had been offered more generous awards from other schools.

I never could have guessed what would happen next.

On the same day, I received a reply saying that they had reviewed the application again… and would now like to offer Abby a $14,000 annual merit scholarship, as long as she maintained a 3.0 GPA.

We were very happy, to say the least: From one email, we could potentially save $56,000 in tuition over the course of Abby’s education, or 25 percent in tuition and living expenses. This is financial planning at its best — though of course, keeping in perspective the high cost of college these days.

The Lesson: Don’t Be Afraid To Ask!

Generally speaking, the best way to receive a generous merit scholarship award is through scholastic achievements. This usually means that your child is in the upper percentiles of his or her class, maintains a high GPA and has strong ACT or SAT scores. The quality of the school also matters — if you applied to an Ivy League, your merit awards might look very different than they would if you applied to a third-tier school. Every university is different and has its own internal policies in awarding scholarships.

However, don’t be the judge and jury on whether your child will be able to receive a merit scholarship! You should always try: Universities look very hard at their overall ranking and have every reason to attract students who will make them look good.

To put it another way, it was recently said to me, “Before you are accepted, you want them; after you’re accepted, they want you.” In other words, don’t be afraid to ask! You just might find that a university will do an awful lot to get your child into their freshman class.

So, once you’ve been accepted and you’re in the process of selecting a school for your child, send an email or make a phone call to ask about additional awards: You could get more — a lot more — than what was initially offered.

How Do You Do It?

Who do you contact? I just looked at the offer letter and tried to reach the person who signed it. You can also go to Collegeboard and look up the admissions directors at the different universities you’ve applied to. In some cases, I was able to speak directly with this person, and in others I was transferred to an admissions counselor or other advisor who handles recruitment in our area.

I feel it’s important to emphasize that every single person I spoke with in this process was incredibly gracious and willing to help — so don’t get deterred by thinking you’re doing something wrong! Admissions departments are equipped and ready to handle these types of questions and seem to always be staffed by genuinely nice people who are looking to make the process easier.

Spread The Word

I wanted to share this story because I was amazed by how powerful a few phone calls (and one email) could be for our financial planning over the coming years. I would love for more people to know about this, and I hope you can benefit from my experience. If you found this article to be helpful and feel others can benefit too, feel free to pass it along.

Please don’t hesitate to contact me if you have any questions or would like to hear more about how I went about this. I’d also love to hear about any success stories!

Jul 13

5 Ways to Stop Your Financial Would-Should-Could Haves

Would have…should have…could have. How many times have you said those words when thinking about your finances? I’ve probably said them, oh, about a bazillion times. You could play this game all day long and never really make any progress towards change. It’s really easy to look backwards at mistakes and want to throw yourself in a fiery pit of regret. But who wants to do that?

Here are five “auto-correct” solutions to the stop the financial would/could/should-haves for good.

1st Way: Seriously, Forgive Yourself: If I asked you right now to name your top five financial mistakes, how many seconds would you need to complete that list. I say you could do it in fewer than 30. Why? We always remember the mistakes. They haunt us like a scary movie.

Here’s an exercise to get you out of the funk. Write them down, all the mistakes. Look at the list when you are done and thank God you don’t have to re-live them. Now tear that list up and throw it away. Onward!

2nd Way: I’m Not Sharing: I think that was my favorite phrase as a kid. I wasn’t a good sharer. How about you? Did you never want to share your prized toy with anyone as well? Suddenly when we grow up we want to blame others and share our mishaps, especially our financial mishaps.

My advice, own your mistakes like a pro and learn from them. Stop comparing with others. You did the best you could in that given situation. Small steps always lead to big changes.

3rd Way: The Lays Challenge: You really can’t eat just one Lays potato chip. Try it. It’s seemingly impossible to do. They are just SO good. Sometimes your financial situation can look a lot like the Lays Challenge. Most people get into the pattern of repeating the same mistake over and over again versus tackling the fear and pressing on to a different solution.

How do you do that? First, take the emotion out of your financial situation. It is what it is. Second, write down your process, say for budgeting. What is working and what isn’t working. Look at it like a business challenge, and think like a business owner. Take one item from your “what isn’t working” column, and change that. Once you get in the groove, take the next item and so on. Before you know it you will be able to eat just one “chip” at a time!

4th Way: Spend Time in the Dirt: How do plants and trees grow? With good soil that is watered and maintained. You grow financially the same way. Get your hands dirty. Read; study others that have made changes financially either personally or in business. Channel the inner 5-year-old in you and become a sponge for knowledge. Apply what works for you, and throw out the rest. Everyone has a different course to chart. Everyone is going to be in a different place than you. But, that doesn’t mean you can’t learn something from everyone. When you can let your guard down and soak in information, you can really begin to change.

5th Way: Ride the Roller Coaster: You can’t ride a roller coaster without going down the dips and drops. However, after each drop there is always another incline and a smooth finish. Hang on and wait for the incline and prepare yourself for any future descents by making smart financial choices. The dips and drops are where you are forced to be brave and do something different. You will be rewarded for your efforts in the long run.

If you find yourself on a roller coaster financially right now, open your eyes and experience it. Don’t break your arm hanging on to the bar so tightly. Fear stops positive change and positive change is what will lead you to financial breakthrough.

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