Pave your way to financial independence by learning how to invest wisely

nest egg的圖片搜尋結果I recently met with an insurance and investment pro, who asked my husband and me about our financial goals and ideas. To say the least, neither of us are what most people would call “investment literate”. If you started talking to us about equity capital market deals, or mergers and acquisitions news, we would stare at you blankly before changing the subject. But learning about how to invest your money is vital to becoming financially independent.

Most people are first introduced to investing in the simplest form – a savings account. Deposit your money and watch it grow… by a measly quarter of a percent. If you’re able to save the minimum deposit of $500, you could get a better interest rate with a Certificate of Deposit – the highest current rates are around 1.5% APR, and that is an easy, safe way to grow your money incrementally.

But let’s face it – tiny returns on your money are not what any of us want. We want real results! But with greater returns comes greater risk of loss – so carefully evaluate how much you could stand to lose.

Mutual funds tend to be a semi-safe vehicle for growing your money, but it’s important to buy the kind that has the fewest fees involved. A mutual fund is a single financial product that combines several similar stocks, bonds or money market funds into one. Combining the products reduces the risk of loss if one individual fund does poorly, and they generally offer much better overall returns than CDs or savings.

Single stocks are riskier but potentially more lucrative than mutual funds. You buy a share of one particular company, and if that company is successful, you make money. If the company tanks, you could lose your whole investment. My husband wisely invested some money in Procter and Gamble stocks back in high school (the makers of Tide, Pampers, Gillette, Crest, Cascade, and many other household products), and has more than tripled his money since then. If you choose to invest in single stocks, research the company to see how their business is doing and if they may be poised to do very well in the near future, or if they may fall short.

Bonds are an investment similar to Certificates of Deposit, in that you submit your money for a certain amount of time, and can withdraw it with interest after a certain date. They can be issued by governments (at any level – national, state, municipal), credit institutions, and companies, and carry varying levels of risk. For example, the city of Harrisburg, Pennsylvania, had its’ municipal bonds downgraded to “junk” status after the city went bankrupt, since it was unlikely that the city would be able to repay the original bond amount along with interest within the allotted time frame.

If you’re interested in improving your investment portfolio and knowledge, try contacting a brokerage firm that will be willing to discuss your financial goals and set you up with investments that will mesh well with your income and goals.  

A new look from head to toe this summer

summer fresh look的圖片搜尋結果Summer is just around the corner and this is the season for holiday and outdoor activities. Start the chill-out season by preparing a new look for yourself from head to toe. Let’s start with your face.

The hot weather and high humidity in summer makes makeup a hassle, especially when you are outdoor. Of course, you can free yourself from makeup and give your face some breathing time. But if you still want to illuminate your face with makeup, you may want to opt for long-wearing makeup for hot summer days. These products have greater staying ability which means that they do not melt that easily in the sweltering heat of summer.

Wearing a pair of glasses will make things worse if your face already feels like a greasy mess in summer. Ditch the glasses and try contact lenses. Disposable contacts lenses are the most common type of contact lens worldwide. They are designed to be worn for a set amount of time, then disposed of and replaced with a fresh set. Your eyes will be more comfortable and healthier if you can replace your contact lenses more frequently.

Daily disposable contact lenses are discarded at the end of the day and represent the ultimate convenience for contact lens wearers. They are considered the healthiest lenses because there is little chance of deposits forming on the surface of the lens. They have several advantages. First of all, they are convenient. There is no need for any care, disinfection or cleaning of the lenses, and at the end of the day, you can toss them out before going to bed. Secondly, they are healthier. There are less eye infections caused by deposits on the lenses or the cleaning solutions, allergies have less chance of a flare up and a clean lens every day is gentler for irritated or dry eyes. Thirdly, they save you time. There is no need for a time consuming nightly cleaning regimen.

How to buy: These contact lenses are available from stockists in over 40 countries worldwide and can also be bought from many online contact lens suppliers.

Now let’s talk about what to wear. In summer days, you will of course prefer something casual, light and airy. But what if you want to look chic or professional? Shop for some contemporary ladies clothing online. Some of them offer a variety of styles for different occasions. From casual and chic to formal or elegant, there’s a lot to choose from.

Summer is the season of footwear. Sandals, platforms, wedges, ankle strap heels, pumps, peep-toe, flip-flops, you name it. Mix them with different styles of clothing and the possibilities are tremendous.

Make this summer a breeze with a new look for yourself from head to toe.

How to choose the right wedding photographer?

pre wedding的圖片搜尋結果The market of wedding photographers keeps growing rapidly in recent years. This is because people are becoming more and more concerned about the quality of wedding photos. Without doubt, a professional wedding photography service is very important, as it can make your prewedding more memorable and attractive. So, how to choose the right wedding photographer? The essential step is to do sufficient research and preparation. For example, you can have a short interview with your wedding photographer, ask if he/she has any sound shooting ideas for your style of wedding, as well as your chosen venue and time. Also, you can ask your photographer to provide you his/her previous photography work. This can serve as a useful and concrete reference for you to make your decision.

If you really want to take fantastic wedding photo for your own future memory, it is wise for you to start your preparation as soon as possible. Most perfectly, you can start searching your wedding photographer a year before your wedding big day. It is because interviewing photographers takes times. Also, you may need to interview several photographers instead of one or two. Then, comparing those photographers and picking the best one also involve a lot of time. As a result, start earlier for preparation is really a good choice.

In prior to choosing the right wedding photographer, there are some steps you can follow in order to ensure that you can have satisfying photography service. To begin with, you can black and white your all discussions to make sure that you and the service providers have reached the consensus.  Second, make a planning checklist, listing out all the preparation items for the shooting day. In fact, there are a lot of important items before photo shooting. For example, the budget cost of wedding shooting, the presentation format of the photos, the duration of photo shooting and so on. After confirmation on these items, you can set each other’s expectation and prepare better for that day.

Last but not least, you can research if any photographers can offer additional service, like digital service. Nowadays, many couples may choose to digitalize their wedding photos, instead of printing it out. A professional photographer is able to offer you advanced digital service. For example, he/she can beautify your photos and ensure the right color tone of the photos. Moreover, he/she can suggest professional method for you to download the final products in a more convenient way. This can help you save a lot of time. All in all, choosing a right wedding photographer is not that difficult, but requires time and involvement. So, let start the preparation with your loved one. You will that this task will be interesting although it takes time.


Insuring Yourself For Errors And Omissions

What are error and omissions?
Both are the insurance that secures your business, company or independently you, at the time when consumers consider you as an accountant for an aid to the company rendered, or badly rendered you, that did not have the supposed or assured result. This one is a shorthand term for abuse insurance for dentists, doctors and chiropractors and much more.
As for Architects, lawyers, engineers, and accountants, it may be referred as their professional liability. It does not matter, whatever you say it, it secures your company and you for omissions and errors that done by you or your company.

The majority of omissions and errors norms and conditions include settlements, judgments, and several other defense expenses. Even in the case of the accusations are getting to be unjustified, a huge amount of money is required to be able to defend the case in court. These types of rules, norms and lawsuits are highly capable of bankrupting an individual or a little company plus it has an ending effect on the result of a big company in all over the world. To add it up, these omissions and errors coverage grants security for you from these types of lawsuits.

Individuals who are highly needed the error and omissions insurance are accountants, engineers, doctors, architect and etc. However, individuals who are the in ads companies or commercial printers, some companies like web hosting to wedding planners, individuals who render a definite service for a should also take an error and omissions insurance. These kinds of individuals should not take risks themselves or they wait for that particular time when they are completed a lawsuit for not doing their work in the proper way. Normally, error and omissions insurance is suggested on the basis of every insurance portfolio of an individual or company. Generally, it is not best to get the coverage earlier to the merchandise launch, or at that time when you have a few customers. The freight forwarder liability insurance policy is created after considering all the negative and positive aspects.

Those companies who do the deal with consumers or clients, it should be must have this coverage. Because all you know that nobody is perfect, everyone makes mistakes in their life. Even the most experience and perfect employees that hired by you are bound to make the mistakes.

For example, if a freight forwarder transmits something to the Australia and actually it transmitted to the Austria and the shipment is time sensitive, in this case, the tendency would be their consumers and lose a sale and who would be responsible for this loss? Or if we take the example of an event planners that reserve the reception area, the dancers, the caterers or the singers for 15 January instead of 18 January and everybody comes on the given date according to the invitation but there is no any party organized, in this case, who will be responsible to pay for the reserved date.

The benefits of probiotics and deep sea fish oil

fish oil的圖片搜尋結果We often hear the terms probiotics and deep sea fish oil. But do you really know what probiotics and deep sea fish oil are? How are they good for your body? What is a good dosage of probiotics and deep sea fish oil for you? This article will take a closer look at these two most commonly heard of nutrients.

First let’s take a look at what probiotics are. For the local people, the term probiotics is often associated with yogurt or Yakult, a famous probiotic dairy product from Japan. Probiotics are live micro-organism and it refers to the “good” bacteria or yeasts which are particularly good for the digestive system. Human are not born with probiotics in our body. We have to obtain them from foods that contain the bacteria so that they can make their way into our system. Probiotics work in several ways to benefit our body. First of all, very often when we are sick we will be prescribed antibiotics to get rid of the bad bacteria out in our system, but unfortunately this process will altogether expel the “good” bacteria from our body. This is where probiotics step in by replenishing the “good bacteria” in our body. Furthermore, probiotics can help reduce the bad bacteria and maintain a balance of the “good” and “bad” bacteria in our system to make sure that our body can function well.

But how much probiotics should we take each day? As said, probiotics is a general term that can refer to different probiotic organisms, so there is no set amount of intake. But they are recommended to people suffering from constipation, diarrhea or gastrointestinal infections. They are also recommended to people, especially women, suffering from urinary tract infections. To ensure a safe intake of probiotics, make sure to buy from reputable manufacturers or distributors. Some women health product manufacturers are now providing products which specifically target the market of women’s probiotics in Hong Kong.

Deep sea fish oil, as the name suggests, is a food supplement that contains a large amount of essential Omega-3 fatty acids. Being one of the most popular food supplements for both children and adults, Omega-3 fatty acids are in fact polyunsaturated fatty acids that are good for the body, with benefits ranging from improving our heart, lowering cholesterol, and reducing the risk of diabetes to supporting the development of a healthy brain and eyes in babies. So as you can see, deep sea fish oil is a good thing to the body just like probiotics. But still you can get too much of a good thing. If taking deep sea fish oil capsules is your choice of obtaining the nutrient, you should always carefully read and follow the instructions and consult a doctor when necessary. Moreover, you should opt for deep sea fish oil products that have a low concentration of mercury.

Having a healthy and well-balanced diet is the surest way to keep us healthy. We can rely on our daily or food supplements to obtain the necessary amount of nutrients our body needs. But remember, whenever you are thinking of taking food supplements, be sure to do some research before making purchases and buy from reliable sources.