What is money? Money is a measurement unit for the purpose of exchange. Money is used for valuation of goods, settling debts, accounting for work performed, and standardizing the measurement of production. Money has to be divisible, portable, stable in value, easy to obtain, durable over time and must be trusted by all parties using it. Imagine money that is too large to divide into pieces, heavy to carry, spoils after 2 days, gets damaged easily or can be eaten by animals? If these are the characteristics of the currency, it would not be that useful and many business deals would not happen.

The most important element of money is trust. If you work for someone and you are not sure if you will get paid, would you do the work? If you did the work, and you got paid in something that was not accepted in many places, is it a valid payment? The economy and money system is built on trust, and it can be broken by a lack of trust by the majority of people. A run on a bank is a classic example of people losing trust in a bank and it going bankrupt shortly thereafter. Trust is also the pinnacle of trade and business deals. It you don’t believe the person whom you are doing an exchange with is trustworthy, the deal would not be initiated. Privacy is an element of trust. If every deal you made was broadcasted in the public realm, a portion of trust would be lost. Someone may undercut (steal) your business deal or rob you of the proceeds after the deal is done. The best security is achieved through privacy. If someone knows you have made a lot of money, they will find a way to steal it from you if that is their intention.

In the case of bitcoin, does it function as money? It is portable, easily divisible, can be used to value assets and settle debts. Is the value stable? Since the price of Bitcoin moves around a lot versus other currencies, the answer is likely no. If you are trying to buy a basket of apples and are paying for them in Bitcoin, those apples can double in price in a week, then go down 30% the next week and then double in price shortly thereafter. If every transaction was this volatile, you would not be able to buy many goods and know how much you can spend. The same thing would happen with business deals. The price of all of the components would fluctuate wildly and create a lot of issues in making deals because the costs and revenues would vary too much.

Is Bitcoin trustworthy? Trust can be viewed in many ways. In the traditional money systems, the value of a currency is being eroded by inflation. This makes them unstable over the long term because they are losing purchasing power over time. Who is controlling this inflation? One school of thought blames it on higher labour, material and overhead costs over time – production inputs for business. Another school of thought says that inflation is a monetary phenomenon, which means that whoever issues the money is issuing more money than the goods being produced. Is inflation a legitimate characteristic of money or is it a slow theft over time?

If you don’t trust how the money system works, you may place more trust in Bitcoin since it is decentralized. The problem with decentralized systems is: Who will cover for fraud, scams or bad behaviour? The regulator or central authority acts as the referee to keep the game clean. If the referee is bribed or is biased however, suddenly the trust is lost and the game might as well be played without a referee if the players themselves are honest. If your bitcoin wallet is lost or your passwords lost, you will not be able to access your bitcoins either.

Other ways trust can be questioned include having limited access to money (capital controls or system malfunction if digital currency), having to give much of your money away to a third party (taxation, organized crime or perhaps coin miners and exchange operators), counterfeit money (physical or digital), identity theft or loss of a confidence in an issuer (bankruptcy).

Bitcoin is a contender to be a currency, but stability of price and trust for the average person has not been established yet.

You name it, I'll bet you've heard or read it.

Turn on the TV, read a magazine, talk to a friend, watch the news, or read social media and there it is.

Advice about money.

Everyone has an answer or opinion on how much you should have and save, what's the appropriate amount to spend and on what, whether to use credit cards or not, and of course, the magical amount you MUST have stashed away to retire.

The advice and opinions run the gamut – from basic and simple to complex and elaborate.

Much of it conflicts with the other. What one expert says is often dispelled by another. You're told this is the best way to handle your money but then, change the channel and another expert says, the opposite.

So, who do you listen to? Who do you follow?

You want me to do what with my money?

Life can turn on a dime. One minute all is going along swimmingly, the next, you wonder what happened.

You thought you had saved enough. You thought you were spending wisely. And, yet, you wonder, where the money went? How is it possible you don't have enough to cover your lifestyle and basic needs?

You swear you did everything right, by the book – Or, as close to the book as you were able.

But, here's the hauntingly difficult question to ask – were you reading and following the right book? Not the one meant for EVERYONE, the one meant just for you?

My husband and I know this one first hand. We funded our 401 (k) regularly. Lived within our means. We did not use credit – we found out how toxic it was for us and stopped using it altogether. We saved. We bought a house. Our net worth was growing nicely.

We even downsized into a more efficient home, a townhouse with less maintenance. We cut our mortgage in half, and ended up with a beautiful view of the river out our back door. Who needs the cost of a pool when you can breathe in the magnificence of a large expanse of water for free?

All was going well, as I mentioned above, swimmingly! (no pun intended) UNTIL … my husband lost his job.

Can you say gut punch?

Who knew when he took his retirement from 30 years at the phone company and jumped ship to a company that wooed, wined and dined him, that this new job would end in less than a year? Never did we expect this as he was offered double his current salary, a signing bonus, and a car allowance.

Not to mention, he was joining a great team he already knew.

All seemed a perfect fit.

We transferred his phone company 401 (k) into our own investment account, managed by our handpicked investment guy. We picked out the new car and off we went into the wild blue yonder of change.

All done in the name of financial progress. All wise decisions, within our means, at the time we made them.

Or, so we thought.

Then wham, overnight, we were on unemployment with no real job prospects in sight. Add to that, the car payment, now not funded by a car allowance, plus a higher mortgage from a 2nd mortgage for home improvements we had made.

Oh, and let's not forget the crash of 2008, where our 401 (k) was now half of what it was the day before AND our house was now valued at less than we paid for it, considerably less. We were upside down, and sinking fast!

Could we have seen this coming? Were there warning signs we were overextended or living on the edge? Without a crystal ball, that is, foretelling the future? Or, is it just hindsight that gives us the ability to see the traps we fell into at the time?

Could we have made better choices?

Good questions indeed.

Certainly hindsight has given us a different perspective and the ability to notice those moments we could have chosen more wisely.

What were those warning signs or moments we could have chosen differently, or more wisely?

Let me share five of those moments – maybe they will help you avoid the same traps:

Trap one. Buying a new car. There was no need for us to have bought a new car. A used one would have been smarter and cheaper. After all, most new cars lose more than half their value within the first year to two years … drive it off the show room floor and, whammy, it's now worth less than seconds ago.

Trap two. Financing that car. Why have a car loan on a declining asset and pay all that interest as its value goes down, down, down! Instead, we could have pocketed the car allowance, used it to help defray the costs of gas, insurance, registration and maintenance.

Trap three. Getting a home equity line. One of the major reasons we moved was to lower our cost of living and monthly mortgage. So, why then did we immediately crank it back up just to do some home upgrades or improvements? What happened to saving for those improvements or simply being satisfied with what we had?

Trap four. Raising our spending to match our pay raise. There was no need for us to spend more just because we made more. We already had a great life – Our lifestyle was plenty comfy and enjoyable. Did you know this is usually subconscious? Yep. Even knowing this, we did this anyway.

Trap five. Using credit to pay off or buy stuff. We bought more for our new home than we needed – used our line-of-credit to pay for it, too. Before we knew it, the line was maxed out. And, now we have a higher monthly "nut" for way more years than the stuff lasts.

Maybe these traps don't relate to or resonate for you? That's okay. Just keep them in mind, as you make major money decisions in your life. These decisions often mean more than you realize at the time you sign the dotted line.

Because, let's face it folks, you cannot live on the net worth of your house. Nor, buy groceries with that expensive new toy sitting in the driveway. And, NO job is forever. Gone are the days of a lifetime job or career.

Let's stop spending money as if there is no tomorrow, as if our wages and salaries are keeping up with the cost of things (with inflation). They aren't.

"According to a 2015 report issued by the Economic Policy Institute, a pro-labor think tank based in Washington, DC, ever since 1979, the vast majority of American workers have seen their hourly wages stagnate or decline. This is despite real GDP growth of 149 percent and net productivity growth of 64 percent over this period. " Cost of Living vs. Wage Stagnation in the United States

Besides, it has been proven, again and again, that all that stuff cannot buy you happiness. In fact, it might cost you that very happiness trying to keep up with it as you sit and watch the flow of money go out more than it comes in!

My name is Andy Thomson, and I want to tell you how to earn an additional income through your blog site.

Many people dream of becoming rich through their blog site, but the sad truth is very few people make

any money at all, and it all ends in disappointment. I want to give you a little bit of help with a few pointers into turning your blog into your business.

Your content is the most important part of your blog, it has to be original, interesting, something that will grab the readers attention and make them want to come back again and again. You also have to pay special attention to your headlines and subheadings, the must be no longer than 5/6 words long, and you must try and make them stand out so it makes people want to know what they are all about.

You have to find a niche topic and you must stick with it, don’t start mixing your topics, and research them well. Be accurate in everything that you write, there is nothing worse than reading something that you know is a load of rubbish. You must post on a regular basis to sustain the interest in your readers, and make them want to come back and read some more, and also increase the flow of new readers to your website.

Another way to earn an income through your writing is to sell your work or services as a freelancer, now this can be really hard or really easy and it all depends on how good you are at what you do, or rather what you write about. there are a lot of sites out there that offer payments or rewards for your articles and blog posts and the amounts they offer vary from site to site. Two of the biggest sites that I use are http://www.freelancer.com or http://www.upwork.com and the better you write the better your reputation becomes and a number of offers you receive offering you work increases by a significant amount.

Another way to earn an income through your blog and by far the most popular way is through advertising. Once your blog is established and you have increased your followers to a decent level, you can start to think about using services like Google AdSense what happens is you advertise the services or brands of other businesses and they pay you for it, this can be very lucrative.

How to save money? Probably searched by lots of people on Google, no matter what's his / her financial stature is. Earnings and utility differ from man to man, but there is hardly any person, who's not interested in knowing the ways to save money. Interestingly, it's the human ingenuity that lets him find out the best way to save money out of his own financial position.

How to Save Money?

If I ask you how to save money? Either you would be confused or overflowed with hundreds of money saving ideas. There are some common ways to save money applicable to the masses and there are some exclusive money-saving ideas researched and applied to you only. Things are good and effective so far as you apply your tips and tricks properly. Here I am enlisting 25 realistic and simple money saving tips for the readers. Please note that all these money saving tips may not have the fullest implications in one's life, but a few out the of money saving ideas listed below have a qualitative impact on your pocket.

25 Realistic Money Saving Tips

1. Accept payments by check or online:

This is one of the best ways to save money. It's a human tendency to spend more with cash rather than from bank account. Research shows that a person finds it more inconvenient to withdraw money from the bank or buying goods with cards than by using hard cash. So, this is the best way to save money for them who have an irresistible tendency of spending cash money.

2. Go for exchange programs:

Before buying a new durable or capital goods like electronic gadgets, appliances, go for selling the used one. There are many sites that assist you in selling your old products through advertisements like OLX, Quikr etc. Now the product sellers are too offering exchange programs. Online shopping sites like Amazon, Flipkart etc. are giving opportunities to their buyers to exchange their old ones with the new product. Selling or exchanging the old products definitely reduces the cost price of the new one.

3. Consider buying cars at the end of the month:

If you are planning to buy a car, this is the best way to save money. How? See, in most of the cases in the last week of the months, the sales representatives and car dealers are under pressure to achieve their targets. They go desperate in selling cars to customers offering good discounts or selling car accessories free of cost or at a much-discounted price. This way you get your car at the most advantageous costs.

4. Do not jump the gun:

If you see a product billboard or lucrative offers, don't go for the buy immediately. Hold your mind and think whether you need it? If it's your requirement, what's your budget? By holding your buy for a day or more you may be able to do the product's cost-benefit analysis. This way you can save your money on unneeded purchases.

5. Go by the list while shopping:

Whenever you go shopping, prepare a list beforehand about your requirements. You may wonder how to save money by going with a list? If you do shopping by list, it is possible to stick to the budget. Moreover, the list helps you to do the shopping more quickly than without a list. A study shows, if you shop quickly, the chances are high that you will not go for unnecessary buying.

6. Avoid outing with friends, invite them:

Many of us face this problem. When you go for an outing with friends, it's unsocial for you to abstain yourself from contributing. Moreover, taking foods and drinks at restaurants and bars are no way cheaper than you have it at home. So, instead of going to the restaurants and pubs, invite your friends to your home. This is the best way to save money who are interested in maintaining social networks as well as concerned about how to save money.

7. Use LEDs:

I'll keep this within top money-saving tips. Rather than using incandescent lights, you should go for CFLs, LEDs. They are high power efficient and reduce power bills considerably. These new technology lights even have a longer life than the traditional ones. By using LEDs and CFLs, you can save both from maintenance and durability.

8. Do periodical maintenance:

If you are using multiple electronic appliances like ACs, Washing Machines, Water Purifiers etc. it's better to render periodical maintenance. The same should be with your car too. By conducting regular maintenance, you have to incur maintenance charges which are much smaller than any major repairing or overhauling charges. At the same time, if your appliances or cars are under periodical supervision, their longevity and efficiency level also improves.

9. Sell your old books:

This money saving tips is especially for the students and the parents whose children have passed out and have a pile of books covering a considerable space in their room and want to evacuate them. There are a number of sites that buy used or old books from us and pay accordingly. One of such sites is BookScouter. This searches the best match buyer for our old books.

10. Rent out your extra space:

If you have a big house and leaving a part unutilised, it's advisable to rent the same out and earn some extra money to meet household expenses. There are some companies that take your property on agreed terms for a specific period and convert into a homestay. Some of these companies are Airbnb, Oyo Rooms etc.

11. Take tiffin from home:

If you want to learn the ways to save money , this is one of the effective ways to save money. First of all, your saving starts when you take tiffin to your place of work or education and avoiding canteen or outside foods which are certainly costlier than your homemade foods. Next, savings is in terms of your health. By abstaining from outside foods, you are indirectly reducing your medical bills.

12. Use public transportation or carpool:

If your circumstances permit, it's a good move to go through public transport. Using a public transport is way cheaper than using private cars. Moreover, if you and your neighbor or your colleague have a common route to the place of work, carpool is a good option. Things can be done on a rotational basis. This saves money as well as the climate.

13. Pay your debts on time:

Try to pay your debts on or before time. Be it credit card bill or loan interest, paying on time not only saves you from additional interests and penalty but gives you a high creditworthiness. You can also make arrangements with the bank for automatic debt payments. This is also a great way to save yourself from a debt-trap.

14. Consume less meat:

What? Yes, you read it right. But, how to save money by consuming less meat? Well, this is simple. If you take less meat in your food or goes vegan, the direct impact is in your pocket. Animal proteins are costlier than vegetables. But a much bigger impact shows on your health. Researchers found that large animal protein intake in our foods have an adverse effect on our health. A non-vegetarian is prone to more decrease in comparison to a vegetarian. And nowadays health issues cost us much.

15. Withdraw from same bank's ATM:

This is a simple but effective money saving tips to follow. As you know, if you withdraw from other banks ATM (where you don't have an account), after a certain number of transactions the ATM bank charges extra fees per transaction. So, whenever possible, do ATM transactions with your home bank only.

16.Try to buy air tickets from the company's site:

Whenever we travel by flights we do a comparison over the internet reading freights and services. There are many online traveling sites that give you the freedom to compare flights of different companies on the same platform. But I would suggest that rather than buying the tickets on their sites it is advisable to go the native company's sites. The charges would be certainly lower than the previous one.

17. Save at home:

Make a piggy bank at your home and save whatever possible on a daily basis. Even ask your children to do the same out of their pocket money earnings. It inculcates the saving habit in you and your children and creates a fund with the passage of time, helpful at the time of your emergency.

18. Find a roommate:

If you are living in a rented house and single, then this would be the best way to save money. If you have a roommate you can not only save your portion of room rents but other household expenses too. Moreover, you and your partner can share daily household works, so that the life becomes less stressed.

19. Keep your house clean:

This is one of the good money saving ideas, I think works great. When we keep our house clean, it directly impacts our health. In addition to that, when the house is clean, it indicates that our staffs within the house are arranged too. This will help us in finding our requisite items at arm's length. Misplacement and unattended staffs left us with no option but to go for a new one, which can be avoided at large.

20. Shop higher or lower than eye-level:

Marketers are intelligent. They place high valued items at our eye level. So try to buy products below or above the eye level. This way you can save a lot of bucks while shopping.

21. Take a health insurance or mediclaim :

Whenever you sit with your financial budgets, you must include health insurance in it. Medical bills are capable enough to tremble your financial stature. It would be really foolish to take chance by not taking health insurance or mediclaim. By paying a small amount of premium, you save yourself and your family from financial jeopardy.

22. Do your own beauty treatment:

Beauty Parlor and Salons are becoming costlier day by day. For women, doing basic beauty treatment like manicure, pedicure, facial at parlors are very expensive. Rather they can try things at home. There are many good video instructions are available on the internet to assist a person to do her personal care. For men, it is advisable to do saving at home with his own saving kit.

23. Use phone guards:

This is a small but effective money saving tips. As we all use mobile phones, we know how frequently it drops from our hand. By incurring a small expenditure on phone bodyguard and tempered glass, we can save hundreds of bucks.

24. Use low steam to cook:

This is one of the household ways to save money. Rather than using large flame burners, it will be prudent to use small burners. Moreover cooking at low flame and cooking in covered utensil saves a significant amount of fuel in the long run and so as your money.

25. Do not hunt for brands:

If you have an obsession with brand names, this money saving tips certainly not for you. Believe it or not, if you go for value for money, there are multiple non-branded products that offer the same quality of service minus cost for brand value. This is quite visible, when a reputed company pays a big amount on TV commercials, Billboards etc., hasn't it to recover the cost from somewhere?

Conclusion

When you are searching for the ways to save money, you may come up with lots of money-saving tips. But things will be effective when you apply them appropriately in your daily life. Remember, the tip works for others may or may not work for you. You have to choose your the best way to save money from the plethora of money-saving tips.

A few days ago I read a post about a small community nonprofit organization that was seeking advice on how to get funding. Creating a nonprofit is tough, and figuring out where to find the money needed to operate it can be a challenge. New charities rarely have any ability to demonstrate that they have the where with all to become a sustainable organization instead of being merely a fly by night.

If you have a nonprofit organization that is new, you know that you have to do a lot of digging.

Finding money is not impossible. You have be ready to turn every stone and look at every opportunity. Before you get started, one of the best things to do for your organization is to get a group of experienced experts and advisors associated with your nonprofit. This will be particularly helpful with foundation and corporate grant requests because it will demonstrate that you have the brain trust to help your organization become an essential part of your community. Doing intensive research is another critical element in making sure that your nonprofit turns into a sustainable and vital part of the conversation concerning your cause.

If your nonprofit is very new and still in formation (e.g., not with an IRS 501(c)(3)) and you’re looking to begin to raise funds, something that you might want to consider is to find a fiscal sponsor. Partnering with a fiscal sponsor will allow you to apply for and obtain funding for your nonprofit, even as you work on getting the necessary documents to be fully operational. When you work with a fiscal sponsor, funds will be accepted using the fiscal sponsor who will charge you a small administrative fee and provide you with the money you need for your operation.

1. Corporate Giving Start-up Programs

Corporate funding is an excellent place to look for start-up funds, especially since corporations are familiar with investing in research and development. Double the Donation has an excellent resource for corporations that help fund nonprofits and charities.

1. Federal Programs

The federal government does provide grants to community-based organizations and can provide substantial funds, although the process might be somewhat long and cumbersome. To find federal subsidies that can help you, go to Grants.gov.

1. GrantWatch

Another excellent tool for you to research is GrantWatch. GrantWatch is a great site to find federal, state and corporate grant opportunities that can be significant, based on your mission and grant criteria.

1. Sparkplug Foundation

The Sparkplug Foundation is a family foundation that helps start-up groups involved in music, community organizing, and education. The grants that the organization provides are generally those that are significant enough to make a nonprofit sustainable.

1. Center for Nonprofit Excellence (CNE)

CNE sources three grant opportunities each week and provides its members with a diverse selection of grant prospects. The group also provided information to nonprofits that are new to foundation grants or seeking to diversify and develop their grants program.

When you’re looking to find start-up money many groups will suggest that you reach out to your network of friends, family, and community to raise funds. While reaching out to those who know you is the best place to begin, more significant funds for your organization can come from the government and corporations. Also, remember that the Foundation Center has many opportunities for corporate and foundation grants.

A final word of advice is to Google “start-up nonprofit grants” or a variation. Make it a point to look for start-up grants. There are more of them than you might imagine available to your organization.

There are quite a number of industries operating online today and there are people making a living through online platforms. So as to actually make it big, you need to start out from the ground up. You may have little knowledge but if your heart is in the right place, you will definitely make it big. Passion is necessary if you are to survive online work. Remember that failure is a great teacher and it actually helps you to be much more productive as time progresses as you know the pot holes that you should avoid.

If you are serious about any kind of endeavor regardless of whether it is offline or online, you need to offer great value. Building authority doesn’t come easy. It takes time and it is necessary if you want to create a great audience. The audience and authority are ingredients that can make all the difference in the success on the web.

Most of the people who enjoy success in business have actually been able to deliver great value as they started out. They had to work a lot and they also had to inspect all aspects as meticulously as possible. There is a need to verify that the customers are satisfied with what you are doing so as to make sure they stick around for a long time. There is nothing like an easy buck, especially if you want something that will keep you afloat for a long time.

You need to:

Select a niche

If you would like to make money online, then finding a niche is important. You need to understand what you are actually good at or what you would like to be good at. There is no need to be a great expert when you are starting. All you need is to decide whether or not you will thrive in the niche so as to have a chance to make lots of money later.

Create a blog

Make use of a custom domain as the blog will be like a virtual home for you. Here, you will be able to filter all sorts of traffic that you attract.

Value

Adding value at all times is always important as this is the way to create authority. Authority in turn breeds great trust and this is how you grow your audience. When you have a good following, your traction online is greatly improved.

Creation of email lists

You need to have an email list. Marketing to a group of interested parties is a great way to go. Email subscription is great. There is still a great potential that lies within online marketing.

Morals

If you want to make money online for a long time, keep your morals close by. Do not sacrifice them for anything. This may put people off and you may lose the trust of search engines. Don’t be concerned too much about adding ads to a blog until the following goes up significantly. Before you engage in any activity, think of the results that they will have on you in the long-term.

I’ve been working as a writer for many years now and one thing that I’ve noticed happening several times is that I don’t always know where my income is going to come from. Sometimes I can write something and get paid once, or write a book and the royalties keep coming from it for years, or sometimes, I write something and it can earn me money in ways I never thought of.

To show you what I mean, I’ll tell you about a series of three articles I wrote that have gone on making me money for well over 10 years.

And this is how it happened:

Several years ago I wrote to a writing magazine and proposed a series of three articles about how to earn money pitching ideas for movies, TV shows and reality TV shows. The magazine accepted and asked me to send the articles.

At the time I was working as a freelance writer and I’d outlined the articles but hadn’t written them, which isn’t unusual, because, for non-fiction articles for magazines, they only want to see a short pitch first, whereas, for fiction, they usually want to see the whole story.

So once I received the request I set about writing the articles which were less than 1,500 words each and the whole thing took me just one morning of writing, editing and proofreading. And then I submitted the articles.

The editor accepted them and offered me 100 British Pounds ($200) for each article, payable on publication (the magazine was published monthly) which I agreed to, knowing that I’d receive 3 monthly payments which totaled $600.

The articles were published as agreed and a few months later I looked the copies of them on my computer and decided to republish them online. I added a few PPC ads to the web pages and a few affiliate links to appropriate products about script writing and pitching to and left it at that.

Over the next few years, those three articles began to get more hits than the other pages on my website. I also had to update them a couple of times as well to make sure that the content was still relevant and all the links worked, but doing so was only a small job.

So while those articles sat on my website the ads and affiliate links earned me quite a bit of money.

And then one day, a publishing company contacted me because one of their authors wanted to use part of one of the articles in a book they were publishing and wanted written permission.

So I sold them the permission for $300 which they accepted and paid.

And when I thought about it, those three articles that only took a few hours to write must have earned me well over $1,000 since I wrote them.

Not bad for half a day’s work.

But that’s the thing about being a writer; if you want to earn a decent income, you have to keep writing, submitting and publishing, because you never know where the money is going to come from next – or how much.

More and more people are leaving their cash in the bank and using their credit or debit cards for everything. In other words, paper forms of currency are out and digital payments are in. But, are cashless transactions feasible and practical? The answer is definitely yes. Here are a few reasons why going cashless is a great idea.

Convenience: You can shop, dine out, gas up and pay for your Uber with one small, lightweight card. Consumers and businesses all benefit from the speed and convenience of electronic and digital payments.

Security: Carrying cash makes you susceptible to robbery and cash is 100% gone and untraceable. If you carry a debit card it is replaceable and any fraudulent activity is refundable. So, transitioning to cashless payment options enhances security and reduces risk. Utilizing cards keeps your money secured.

The use of EMV chip technology assures your account information is protected and your hard earned money is safe from unauthorized use. And, if for some reason your cards are lost or stole you can always have them blocked and replaced.

Going Cashless creates a disciplined spender: Paying with cards gives you a record of all your transaction, allowing you to monitor your spending. Using a debit card can also prevent debt because you are only spending what you have in your bank account.

You Always Have Exact Change: How many times have you paid cash for an item that costs $5.02 with $6 and get.98 cents back. Now all you hear is that jingling in your pocket. If you had used a card, you wouldn’t have this very annoying problem.

Accumulate Rewards: Using cards can help you save money in different ways. For example, a cash back credit card will give you rebates on all your purchases with no caps or minimums. What about a card that gives you rebates while feasting with your friends or shopping for clothes, shoes or misc. items online. Who doesn’t like rewards? Card companies are always finding different ways to reward their customers for using their cards, so why not reap the benefits!

Discounts: Many merchants (online and offline) offer discounts ranging between 2 – 20% for using a cashless form of payment.

Makes It Difficult To Borrow Money: With little or no cash in your pocket, it is very difficult to lend money to those people who probably conveniently forget that they even borrowed it.

Do You Know How Dirty Money Is? From a hygiene point of view, money is absolutely filthy. Do you know what nasty stuff can accumulate on a dollar bill after several years in circulation?

Buy Now Pay Later: The arrival of credit cards that allow you to pay after 50-55 days without any interest payment is something that cash doesn’t offer. This is a blessing for people that run down their bank account balances.

Lastly, It’s Green: Using cashless modes of payments helps in maintaining bills and records electronically which in turn saves paper and thus saves a lot of trees.

Horse handicappers throughout the years have professed that money management is the key to successful handicapping. I believe this to be 100% accurate nothing could be more truthful. If you don’t currently have a money management system the only thing you are handicapping is yourself. There comes a time when you have tell yourself “I have to develop a money management system.”

The best part with using a horse racing money management system is that you actually don’t have to develop one yourself. At absolutely no cost to yourself here is one that has been used for years by professional horse racing handicappers. I use it myself and its truly amazing!! You can test different methods without losing much money and if its working your profits will soar.

This Money Management Program is Unbelievable

There has been a ton of research on different money management strategies and the findings show this to be very profitable in horse racing.

A.) The majority of one’s capital must be allocated to win betting.

B.) Handicappers should be more when they are winning and less when they are losing.

C.) Progressive methods and due-column methods, which require heavier bets after losses until next win bet are ruinous.

D.) The most useful way to evaluate a money management strategy is to submit it to a risk- benefit analysis. The most effective methods minimizing risk while they maximize gain.

The base bet recommended for this money management program starts is $2

This is simply based on BB(Base bet)+ SR(square root of profits)

Using this a handicappers every bet to win is equal to $2 plus the square root of any profits that have accumulated if no profits have accumulated, the bettor’s bet remains $2 which is the minimum risk at most tracks. As your profits do grow the bettor finds the amount to be added to $2 by referring to a simple square root table which is below. This method is a low risk to trying different handicapping methods and you can grow your bankroll quickly with the profits. This is something EVERY handicapper should put into place if serious about making money. it’s a systematic method for money management and gives one discipline with finances and relieves one of having anxieties that usually result from an unsystematic money management. The $2 base bet of BB + SR assures handicappers that betting is minimal risk.

Here is a small four race sequence in which the first horse lost and the next 3 did win the race to represent this program in practice:

P/L is if this continued for 10 races at this current ratio of win/losses

Base Bet S.R. Total Bet Payoff P/L P/Lx10

#1 $2.00 X $2.00 Loss -$2.00 -$20.00

#2 $2.00 X $2.00 $15.20 $15.20 $112.00

#3 $2.00 $3.00 $5.00 $4.40 $17.20 $172.00

#4 $2.00 $6.00 $4.00 $5.00 $26.20 $262.00

The square root table is listed below.

On Profit Add

$0-2 $1

$3-6 $2

$7-12 $3

$12-20 $4

$21-30 $5

$31-42 $6

$43-56 $7

$57-72 $8

$73-90 $9

$91-110 $10

$111-132 $11

$133-156 $12

$157-181 $13

$182-208 $14

$209-239 $15

$240-271 $16

$272-305 $17

$306-341 $18

$342-379 $19

Very simply follow this money management program it works. Here are some quick tips being wise with your money.

Never bring more to the track than you plan on wagering.This could be detrimental to your strategy as you begin to make bets that you normally would not because you have an extra $20 or $2000 in your pocket. Use your discipline. I suggest bringing the same amount of money with you each time you go to the track so you form a habit. It should be something you can afford and be comfortable with. Some days you can’t cash a ticket to save your life and some days you cannot lose. This coincides with the 10 commandments tomorrow is another day.

If your behind don’t panic and start playing 50 to 1 shots to get it all back you are just digging a hole deeper. Actually with the Ultimate Handicapper it reveals a dynamite strategy for capitalizing on the 1000’s that do this. Don’t be one of them.

I will finish with one last point here some will differ from my opinion but feel its easier to handicap one race and find the one likely to come in second than pick two consecutive winners in a row.

Start Your Own Online Business- Top Reasons Why You Should

It isn’t easy to start an online business. Some people may lie to you and say it is the easiest thing they have ever done, but they are being at best unrealistic. Running an online business is as the name implies, “a business that is online”. So there are certain rules you must follow in order to earn cash online (and do it the right way).

Even though there are challenges to running a business online there are benefits to it as well. In my view it is better to start a business online. Below I have listed some of the top reasons I believe this to be true.

The Traditional Way To Get Cash Is Becoming Outdated

There are a lot of people who have great ideas, but can never seem to the get them off of the ground. Many times this is due to lack of resources or the ability to properly fund their business. With the traditional business model there is normally a substantial investment. An internet business does not require this major investment (though there could be a small one).

Using the example of a brick and mortar store an owner must invest in their business only to have their money at times locked in the business itself for years. Many times it takes years for the store owner to recuperate their entire investment. With an online business model you would have less overhead and other means to store your inventory (such as drop shipping or as an affiliate). This means that inventory is not a requirement allowing you to ship product upon demand versus investing in the goods upfront.

Each Industry Dictates It’s Threshold To Make Money

Certain industries require you to invest money to make money. Depending upon the industry itself starting small may be out of the question. The reason? In order to compete you must be competitive. To be competitive in the traditional sense may require a significant investment of funds from the beginning. This is not even mentioning physical location(s), staff and security issues.

However, a home based business that exists on the internet can grow as you grow. We all want to grow. With a smaller investment you can leverage your advantage for greater profits. If staff is required, the positions are minimal and physical security becomes one less thing for you to worry about (especially if you are an affiliate or you don’t house your products in-house).

The Internet Is Becoming The Standard For Communicating A Business

The day is coming where if you’re not online you don’t exist. Even traditional brick and mortar organizations are now vying for a presence on the web.

The level of innovation new technologies are providing the entrepreneur online are endless. You are limited by your imagination and ambition.

With the internet you can make as much or as little as you want. This is determined by your willingness and effort to take your business to the next level. Will you press forward the wheel of innovation a success and become the next internet millionaire (or billionaire)? Or maybe you’re not as ambitious and are only looking to take care of your needs (and maybe your families too)? An online business can provide you with this ability.