Can You Trust Your Financial Adviser?

Heroes or villains?

“All industries possess a few bad apples. I would declare 80% of financial advisers are usually either good or very good” or “It’s just 99% of financial advisers who give the associated with us a bad name”

Financial agents, also called financial consultants, financial organizers, retirement planners or wealth advisers, occupy a strange position amongst the rates of those who would sell to all of us. With most other sellers, whether they are pushing cars, clothes, condos or condoms, we understand that they’re simply doing a job and we accept the more they sell to us, the greater they should earn. But the proposition that will financial advisers come with is unique. These people claim, or at least intimate, that they can create our money grow by more than if we just shoved it right into a long-term, high-interest bank account. If they couldn’t suggest they could find higher returns than a bank account, then there would be simply no point in us using them. However, if they really possessed the strange alchemy of getting money to grow, why would they tell us? Why didn’t they just keep their secrets to themselves in order to make themselves rich?

The answer, of course , is that most financial agents are not expert horticulturalists able to grow money nor are they alchemists who can transform our savings into precious metal. The only way they can earn a brown crust area is by taking a bit of everything we, their clients, save. Sadly for us, most financial advisers are just salesmen whose standard of living depends on how much of our money they can encourage us to place through their not always caring hands. And whatever portion of our cash they take for themselves to pay for things like their mortgages, pensions, cars, holidays, golf club fees, restaurant meals and children’s education must inevitably create us poorer.

To make a reasonable living, a financial adviser will probably have costs of about £100, 000 to £200, 000 ($150, 000 to $300, 000) a year in salary, office expenses, secretarial support, travel expenses, marketing, communications and other bits and pieces. So a financial adviser has to take in in between £2, 000 ($3, 000) plus £4, 000 ($6, 000) per week in fees and commissions, possibly as an employee or running their own business. I’m guessing that on average financial advisers will have between 50 and eighty clients. Of course , several successful ones will have many more and people who are struggling will have fewer. This means that each client will be losing somewhere between £1, 250 ($2, 000) plus £4, 000 ($6, 000) per year from their investments and retirement cost savings either directly in upfront fees or else indirectly in commissions compensated to the adviser by financial products suppliers. Advisers would probably claim that their expert understanding more than compensates for the amounts they squirrel away for themselves within commissions and fees. But many studies around the world, decades of lending options mis-selling scandals and the disappointing returns on many of our investments and pensions savings should serve as an almost noisy warning to any of us tempted in order to entrust our own and our family’s financial futures to someone seeking to make a living by offering us economic advice.

Who gets rich – clients or advisers?

There are 6 main ways that financial advisers get compensated:

1 . Pay-Per Trade – The adviser takes a flat fee or a percentage fee every time the client buys, markets or invests. Most stockbrokers use this approach.

2 . Fee only – There are a very small number of financial advisers (it varies from around five to ten percent in different countries) which charge an hourly fee for all your time they use advising us plus helping to manage our money.

3 or more. Commission-based – The large majority of agents get paid mainly from commissions with the companies whose products they sell in order to us.

4. Fee-based – Over the years there has been quite a lot of concern about commission-based advisers pushing clients’ money directly into savings schemes which pay the biggest commissions and so are wonderful for advisers but may not give the best results for savers. To overcome customers’ possible mistrust of their motives for making investment recommendations, many advisers at this point claim to be ‘fee-based’. However , a few critics have called this the ‘finessing’ of the reality that they nevertheless make most of their money from commissions even if they do charge a good often reduced hourly fee for his or her services.

5. Free! – If your bank finds out that you have money to get, they will quickly usher you into the workplace of their in-house financial adviser. Right here you will apparently get expert assistance about where to put your money completely free of charge. But usually the lender is only offering a limited range of products from just a few financial services companies as well as the bank’s adviser is a commission-based salesman. With both the bank and the adviser having a cut for every product sold for you, that inevitably reduces your cost savings.

6. Performance-related – There are a few advisers who will accept to work for somewhere between ten and twenty per cent of the years profits made on their clients’ investments. This is usually only available to wealthier customers with investment portfolios of over the million pounds.

Each of these payment methods has advantages and disadvantages for us.

1 . Along with pay-per-trade we know exactly how much we will spend and we can decide how many or even few trades we wish to perform.
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The problem is, of course , that it is in the adviser’s interest that we make as many investments as possible and there may be an almost alluring temptation for pay-per-trade advisers in order to encourage us to churn our investments – constantly buying and selling – so they can make money, rather than advising us to leave our money for many years in particular shares, unit trusts or even other financial products.

2 . Fee-only advisers usually charge about the same as an attorney or surveyor – in the range of £100 ($150) to £200 ($300)) an hour, though many will have a minimum fee of about £3, 000 ($4, 500) a year. As with pay-per-trade, the investor should know exactly how much they will be paying. But anyone who has ever dealt with fee-based businesses – lawyers, accountants, surveyors, architects, management consultants, computer restoration technicians and even car mechanics : will know that the amount of work supposedly performed (and thus the size of the fee) will often inexplicably expand to what the particular fee-earner thinks can be reasonably taken out from the client almost regardless of the quantity of real work actually needed or even done.

3. The commission paid to commission-based advisers is generally split up into two parts. The ‘upfront commission’ is paid by the financial product manufacturers to the advisers as soon as all of us invest, then every year after that the adviser will get a ‘trailing commission’. Upfront commissions on stock-market funds can range from three to four per cent, with trailing commissions of up to one per cent. On pension funds, the adviser could get anywhere from twenty to seventy five per cent of our first year’s or two years’ payments in upfront percentage. Over the longer term, the trailing commission will fall to about a fifty percent a per cent. There are some pension programs which pay less in upfront commission. But for reasons which should does not need explanation, these tend to be less popular with too many financial advisers. With commission-based advisers there are several risks for traders. The first is what’s called ‘commission bias’ – that advisers will extol the massive potential returns for all of us on those products which earn them the most money. So they may tend to encourage us to put our own money into things like unit trusts, funds of funds, investment bonds and offshore tax-reduction wrappers — all products which pay generous commissions. They are less likely to mention things such as index-tracker unit trusts and exchange traded funds as these pay little if any commissions but may be much better for our financial health. Moreover, by setting different commission levels on different products, it’s effectively the manufacturers who else decide which products financial advisers ardently push and which they hold back upon. Secondly, the huge difference between upfront and trailing commissions means that they have massively in the advisers’ interest to maintain our money moving into new assets. One very popular trick at the moment is perfect for advisers to contact people who have been saving for many years into a pension fund plus suggest we move our cash. Pension fund management fees possess dropped over the last ten to 20 years, so it’s easy for the adviser to sit a client down, show us the figures and convince us to transfer our pension savings to one of the newer, lower-cost monthly pension products. When doing this, advisers may immediately pocket anywhere from three to seven per cent of our total pension check savings, yet most of us could comprehensive the necessary paperwork ourselves in less than 20 minutes.

4. As many fee-based advisers actually earn most of their money from commissions, like commission-based advisers they can easily fall victim in order to commission bias when trying to decide which investments to propose to all of us.

5. Most of us will meet a bank’s apparently ‘free’ in-house agent if we have a reasonable amount of money within our current account or if we ask about adding our savings in a longer-term, higher interest account. Typically we’ll end up being encouraged by the front-desk staff to consider a no-cost meeting with a supposed ‘finance and investment specialist’. Their job will be to first point out the wonderful and competitively high interest rates provided by the bank, which are in fact rarely possibly high or competitive. But then they are going to tell us that we’re likely to get even better returns if we put our own money into one of the investment items that they recommend. We will be given a range of investment options and risk profiles. However , the bank will earn much more from us from the manufacturer’s commission selling us a product which is not really guaranteed to return all our capital, than it would if we just chose to put our money in a virtually risk-free deposit account. A £50, 1000 ($75, 000) investment, for example , can give the bank an immediate £1, 500 ($2, 250) to £2, 500 ($3, 000) in upfront payment plus at least 1% of your money each year in trailing commission — easy money for little hard work.

6. Should you have over one million pounds, euros or dollars to invest, you might find an adviser willing to become paid according to the performance of your opportunities. One problem is that the adviser will be pleased to share the pleasure of your income in good years, but they’ll be reluctant to join you in the discomfort of your losses when times are tough. So , most will offer to take a hefty fee when the value of your investments rises and a reduced fee if you lose money. Yet they will generally never take a hit however much your investments go down in value. The benefit with performance pay for advisers is they will be motivated to maximise your returns in order to maximise their earnings. The particular worry might be that they could get excessive risks, comfortable in the knowledge that even if you make a loss the can still get a basic fee.

Are I qualified? I’ve written a book!

One worrying feature with monetary advisers is that it doesn’t seem to be terribly difficult to set yourself up as 1. Of about 250, 000 registered economic advisers in the USA, only about 56, 500 have the most commonly-recognised qualification. Some of the others have other diplomas and awards, but the large majority no longer. One source suggested that there may be as many as 165, 000 people in Britain calling themselves financial advisers. Of these about 28, 000 are registered with the Financial Services Authority since independent financial advisers and will have some qualifications, often a diploma. But just one, 500 are fully qualified to provide financial advice. The in-house monetary advisers in banks will usually only need been through a few one-day or half-day internal training courses in how to sell the particular products that the bank wants to sell. So they will know a bit about the products recommended by that bank and the main arguments to convince us that putting our money into them is much more sensible than adhering it in a high-interest account. However they will probably not know much about anything else. Or, even if they are educated, they won’t give us any objective advice as they’ll have strict sales targets to meet to get their bonuses and promotion.

However in the field of financial advisers, not having any actual qualifications is not the same as not having any kind of real qualifications. There are quite a few teaching firms springing up which offer financial advisers two- to three-day courses which will give attendees an impressive-looking diploma. Or if they can’t be bothered doing the course, advisers can just buy bogus financial-adviser qualifications on the Internet. A few of these on an office wall can do much to reassure a nervous trader that their money will be within safe and experienced hands. Furthermore, financial advisers can also pay specialist marketing support companies to provide them with printed versions of learned articles about investing with the financial adviser’s name and photo on them because ostensibly being the author. A further scam, seen in the USA but probably not however spread to other countries, is for a financial advisor to pay to have themselves featured because the supposed author of a book about investing, which can be given out to potential clients to demonstrate the adviser’s credentials. In case we’re impressed by a few certificates on the wall, then we’re likely to be twice as so by apparently published content articles and books. In one investigation, journalists found copies of the same book about safe investing for seniors ostensibly written by four quite various and unrelated advisers, each of whom would have paid several thousand dollars for that privilege of getting copies of the guide they had not written with by themselves featured as the author.

Looking For New Weight Loss Tips?

The issue with a quick, easy solution to reducing your weight is that it usually leads to quick, easy weight gain shortly thereafter. There are countless weight loss tips out there, and you may become tired of hearing the same advice repeated over and over. The truth is, there are no new weight loss tips. The same honest truth of yesterday is the truth these days. Losing weight requires that you change your diet plan, exercise more, and live the generally healthy lifestyle. A particular weightloss system can help you lose the initial pounds you have to shed, and give you advice on the best way to keep them off, but the rest is up to you. Going straight back to your own old habits is not going to help you stay in shape, or stay healthy.

Before you choose a weight loss program, let’s go through those tips one more time. This time, put them into practice – lose the weight, and keep this off.

1 . Lose weight for the right reasons

Before you even look at a diet plan or exercise schedule, look at why you want to lose weight. If you want to transform your health, look and feel better – excellent! If you want to be able to play with your kids more, that’s super. Trying to get your ex back, look better than the next door neighbour, or because your partner says you should – not so good. The best motivation to lose weight is to do it for yourself – no one else. Health reasons should be primary, because being overweight can cause health issues which will be with you for the rest of your life.

2 . Choose a weight loss program carefully

You must be realistic when you choose how you are going to go about losing weight. Your lifestyle may not suit every type of system or diet, and choosing one that you cannot adjust to or cope with will be setting yourself up for failure. Take a look at your current eating habits, level of physical activity, time-table, family and social life.

Think genuinely about how much change each of those people areas can withstand. For example , if you undertake no exercise at all, you’re going to have trouble with a weight loss program that requires intense workout from the get-go. If you eat away regularly, you’ll need a diet that allows a wider choice of food types to support that. Counting calories can be time consuming, if you have a busy schedule, you may want a diet that either lays it all out for you, or gives you more versatility. Try not to be sucked in with the promise of losing a certain number of pounds in a specific time period : everyone loses weight at a different rate, and the only way to guarantee you will lose any weight can be by following instructions to the letter.

three or more. Set realistic goals

This cannot be repeated enough. Setting goals that are nigh difficult to reach just sets you on with failure, disappointment and misery. Break your goal up into smaller, more achievable steps. Monthly or even weekly goals are easier to accomplish. Make sure that your goals represent a proper weight loss – which most often indicates gradual weight loss leading to a healthy bodyweight for your age, gender, height and body type.

4. Write it all lower

Whether you call it a foods diary or a success journal (personally I prefer the latter), get into the habit of recording your eating habits – and preferably start doing this before going on a weight loss program. Record what you consume, when you eat – and why you eat. Why you eat will help you identify what triggers the unhealthy eating habits that may have led to your weight gain. Boredom, loneliness, anger, frustration plus stress can often lead us to unhealthy snacks and comfort food, even though we know it’s not good for us. Use your diary or journal to record your goals, and your progress.

5. Program for success, but expect some bad days

Forget about all the diets you’ve been on in the past! Program yourself for success on this one, but accept there will be bad days – as well as bad weeks. Nobody is perfect, and you may have a day or two where it just gets too much for you personally. You may skip a workout, or end up unable to resist the donuts your colleague brought to work. It’s okay to slip up! It is NOT okay to quit. One bad day, one poor decision, or even a string of them, does not mean you have failed. It just means you had a bad day. Tomorrow does not have to be the same, so just get started right away.

6. Get support

Whether it’s friends, family or an online group, make sure you have people to support and encourage you – especially on those bad days. There are thousands of people in online groups who share their experiences with different diets and weight loss programs, have been through the same difficulties you may be facing, and many who have succeeded. Read their stories, chat to them, and learn from their mistakes.

7. Exercise

Whether you like it or not, some form of physical activity must be a part of a healthy lifestyle. Not only does it help you lose weight, but it will help you take care of the weight loss. Of course, the health benefits certainly are a big factor – even if you’re thin, exercise is good for you. You’ll find that the usual recommendation is between 30 and 45 minutes of exercise three times a week. Recent research indicates that those thirty minutes can be broken up into three 10 minutes sessions, with the same results. 10 minutes is usually easier to fit into a busy schedule, and the exercise you do will keep your metabolism boosted each day. Your exercise program should involve activities that you enjoy doing. If you don’t appreciate it, you’re going to find any excuse to not do it, or be miserable when you’re. One of the three factors most likely to lead to successful weight loss is having home exercise equipment, so that may be an avenue to investigate too.

8. Eating

Whether you are following a specific diet plan, counting calories, or just cutting down on the ‘bad’ food, there are a couple of things that can help you.

Eat slowly. It takes 20 minutes from the time you start eating, for your brain to register feelings of fullness. If you gulp your food down in less time, you won’t know you’re too full until it’s too late. Finish up eating when you feel satisfied – maybe not full.

Watch those portions – especially when you are eating out. Eat half the meal and take the remainder home in a take out box. At home, use smaller plates instructions a great way to make sure you don’t serve a lot of, but your plate will still look great and full.

Go easy on the salt, limit high fat foodstuff, replace red meat with lean bulgaria and fish, and drink plenty of water. Don’t skip meals, specifically breakfast, as that’s the meal that will wakes up your metabolism and gets the item going for the rest of the day.

9. Information your progress

Keeping track of your progress, including any slow or stalled loss periods, will let you see just what helps you to succeed, what causes problems, and when to celebrate. Don’t compare yourself to anyone else, even if they are following the exact same approach as you. Everyone loses weight at the different rate, due to metabolism, muscular tone and body type differences.

Should your progress has stalled, particularly for the end of your diet, you may have reach a plateau. The best way to overcome this is certainly to change something. Exercise in the mornings instead of the evenings, swop carbs with regard to proteins and vice versa in a few dinners, or even take a few days break totally. A plateau means your body provides settled into a routine, and often just about all it needs is a little jolt to get the item working at losing weight again.

10. Maintain, maintain, maintain!

It is common impression that once you’ve lost weight, going back to your old habits will bring the load back on, but so many fall into that trap. Either their diet plan was so radical it is impossible to continue in real life, or the weight loss program failed to explain how the dietary adjustments made to lose weight can be adapted to maintain your new weight. After your ‘diet’ is finished, you should have a better idea of what you should eat, when to eat, and how to try to eat it. You should be feeling the benefits of physical exercise, and in fact be able to do more exercising because you are now fitter and tougher. Adapting your weight loss program to a fat loss maintenance program and a new healthful lifestyle should be a priority.

Although the following pointers may seem like common sense, old hat or just another repetition, that doesn’t imply you’ll take heed. Most of us know when we’re eating the wrong meals or not exercising enough, but which is not always enough. You have to take action so as to change your life, and there is no step-around. A weight loss program can help you get the pounds off, but you have to keep it off of. It is not easy to lose weight, and no-one usually takes kindly to change, but if you want to better your health and well-being, you are going to have to infuse effort into becoming healthy.
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The outcomes will, however , definitely be worth it.

Cheap Boat Cover – How to Safeguard Your Investment

Shield your watercraft, or floating gadget, or boat sailboat, dinghy, and everything watercraft from the damages of the sea, and the sun, also from parrot droppings, and for security, and privacy. I’ve been called a boat include freak by my friends since I conserve of my watercraft.

Thousands of years back the ships, and boats through Asia, Persia, and Middle East were made out of wood. Wood, naturally , will eventually rot if not healed against rain, sun, and warmth. Many methods were used to remedy the wood to prevent weathering from your salt in the water, wind, and just wear from usage. About 30 years ago manufacturers of boats started to make boats out of fiberglass which includes wood used for accent purposes. The bigger boats, or ships, are often featuring lovely with expensive types of wood to increase the glamour to ships, plus boats.

In the early days of ship construction efforts were also designed to protect wood from weathering by utilizing boat covers made out of durable canvas fabric. Today their are various types of canvas material used to protect vessels, ships, dinghies, rafts, sail boats. Although the boats are mostly made out of fiberglass using canvas covers, or ship covers, or bimini covers, keeps the appearance of the boat It also will keep the shiny gleam, and shields against bird deposits.

I have a Bayliner 275 and I’m in a slide moored next to Power boats, electrical boats, dinghies catamarans, canoes, your pedal boats, houseboats, row boats. All of them have one thing in common they’re just about all have boat covers, or biminis. Boat covers also discourages fraud and the boat cover offers defense against the weather.

I also cover the engine with a motor cover to protect the particular engine and keep it clean. Wow! I also ordered a special cover to hide the windlass. In the open ocean whenever your going at 20-30 knots the water may enter in the openings where the anchor goes into the boat.
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The last boat was a Sea Beam 30 footer and I kept this in great condition by putting a boat by using a boat include on it every time I was not using it. I kept it moored within Lake Mohave for about 12 many years, and when I sold it, it had been a cream puff, and I could sell it above it ‘s regular value. Protecting your boat with a strong fabric boat cover from weathering is a must since present boats are quite expensive. I was incredibly happy with the bimini we used on our boat when in use because it protected us from the suns strong ultraviolet rays in the hot sun in the Laughlin area of Nevada. 1 time we were stranded in one of the large coves on the lake and thanks to the bimini boat cover we overcame the intense heat. Of course , jumping within the water didn’t hurt either. However I was so thankful for the tone the bimini boat cover offered us. I prevented us from getting sun stroke since the intense heat was about 120 degrees F.

Currently, we use our boat for ocean cruising and our permanent bimini cover offers similar protection. If you want to improve your comfort zone underneath the sun, and protect yourself throughout inclement weather I highly recommend that you have a few cover over your boat Their are different types of material that are used and I definitely recommend that you use a higher gauge canvas material for much better wear, and durability. I also ordered specific carpeting to cover the dashboard from the boat and covered my GPS system also. It prevents fading from the fiberglass inside the boat I guess you can say I am a boat cover freak. But , I like to keep my things looking new no matter how previous they are. I figured that if We were a boat I would need my owner to keep me secured from the sun, ocean, bird droppings, and looking sharp. When we get our boat to the harbor in Santa Barbara, Ventura, Marina del Rey, or in our own Funnel Islands harbor we want to look wonderful and our new blue bimini does just that.

During storage i actually went one step further and added a boat cover on the bimini boat cover to protect this from bird droppings. Bird droppings are a real problem. So , I have a cover that goes over the entire vessel to protect it from weather use and bird droppings. If you really want to protect any of your watercraft, no matter how small, or how large, of what materials it’s made out of, boat covers really are a must. Especially in the ocean. It also offers you privacy if you want to sleep on the boat or just hang around. You can get custom boat covers, or bimini’s for all types of watercraft by shopping at Overtons. possuindo, that’s where I and all my boating friends go whenever we require a new boat cover. I have one particular for my canoe, my dinghy, and my power boat Therefore , the next time you see a 5 year old boat in Seabridge marina within Ventura California, that looks brand new, it’s my boat.

Grow in Creativity With Creative Journaling

What daily practice can help you grow in creativity, both in the arts and in problem solving? Keep a creative journal, and you will amaze yourself with your own innovations. Remember that there is no one right way to keep a journal. Creative journaling is about trying things until you find your own favorite methods of expressing yourself.

First, let yourself off the hook when it comes to having every page picture perfect. Either use a loose-leaf and discard the mistakes, or invest in some erasable pens. Better yet, learn to see an occasional mess as an inevitable sign of your own humanness, and nothing to be ashamed of. Mistakes are simply stepping stones in your growth and understanding. Besides, your journal is for you and no one else, unless you decide to make it public. Who cares about an occasional flub?

So don’t let perfectionism stop you in your tracks. Now that that’s been said, let’s consider what it means to be creative in your journal.

POETRY: A journal is a terrific place to write those snips of poetry that come to you from time to time. Don’t worry about rhyming or not rhyming. If you like poems that rhyme, let it go. Never mind that rhyming poetry is out of vogue if it works for you. In fact, try a structured rhyme scheme, like a sonnet.

CREATIVE WRITING ASSIGNMENTS: If you have dreams of being a published writer, work through writing books in your journal. Do the assignments in your journal and you will be amazed what gems of wit you will have, and all collected in one place, too.

PERSONAL FRUSTRATIONS: Intersperse poems and writing assignments with your frustrating moments. Perhaps on paper, the humor of an impossible situation will begin to emerge. Never underestimate the healing benefit of a sense of humor.

WISHES, HOPES, DREAMS, AND PRAYERS: What would you most like to see happen during your lifetime? Do you dream of business success or fame? Do you long for a relationship with a special person? Do you have altruistic desires, wishing that underprivileged or downtrodden people could have a better life? Is there someone you love who is sick or has an addiction? Pour out your heartfelt desires and prayers for their recovery. Scientists are beginning to document just how much real power there is in prayer.

LISTS: They may not look very creative, but lists make wonderful journal entries. List your goals or your favorite things. List the qualities you adore about your cat. List the decorative changes you’d like to make in your bedroom. List the staples you’d like to always have on hand in your pantry. Of course, these are just ideas, but lists can be both creative and practical.

COUNT YOUR BLESSINGS: To take time to remember what you have going for you might be the biggest benefit of your journal when it comes to improving your attitude and preserving your mental health. Get creative as you think of things you appreciate. Have you considered the good highways you have to travel? How about that nice quality set of pots and pans you have for cooking for your family? Do you have your own washer and dryer, or one you can access easily? Write down all those little blessings that are so easy to forget.

Remember that there is no one right way of keeping a creative journal. The goal is to find the ways that work the best for you. Let these ideas get your own creative juices flowing, so that your personal journal BuJo  becomes your very own unique expression of who you are.

Virtual Credit Cards

As reality reveals, not every internet user has his own credit or debit card. Hence, many of them are not able to enjoy the convenience of transacting online. Another important consideration is that, many credit card users are afraid that their card information will be compromised.

With these problems, business developers were able to come up with a solution that is beneficial for everyone: a Virtual Credit Card.

What is a Virtual Credit Card (VCC)?

A VCC is a pre-loaded, in some cases re-loadable, card account that works in replacement of a debit card. It is like having a real debit card account without having the physical card. With a VCC, you can have peace of mind while shopping or transacting online. It doesn’t require you to reveal your personal information because you can use it with any name and address. Fast, convenient and secure. Plus, VCCs can be used anywhere in the world where major credit cards are accepted. There may be some country restrictions so some merchants may block the transaction because of user’s IP address but you can overcome this issue by using a socks or a proxy server.

Virtual credit cards will provide you with a peace of mind while shopping or transacting online.

Who can use a VCC?

Anyone from around the world can purchase and own a virtual credit card. It can be any person who wants to make payments and transactions online but prefers not to expose his or her own debit card information or it could simply be someone who doesn’t have a debit card at all. Usually, merchants do not require any ID when you purchase a virtual credit card. Virtual card details are provided instantly after you make a payment. Clients are responsible for any illegal use of these cards. Payments can usually be made through popular e-currency payment systems such as Liberty Reserve or Webmoney. Some merchants will accept PayPal, Moneybookers, AlertPay etc. Among regular payment options there could also be WU/MG or Bank Wire.

What information is provided after the payment?

After the payment, you will receive the following information:

1. VCC type (Visa, MasterCard)
2. VCC number
3. CVC / CVC2 number (also known as verification code)
4. An expiry date

The most popular VCC among internet users is Visa Virtual. The majority of VCCs out there are issued by Visa but you may see some MasterCard virtual cards as well. Cards are usually delivered instantly after a successful payment by Liberty Reserve or Webmoney. Payment options such as WU/MG or Bank Wire require a merchant to receive funds first before revealing virtual card details.

Where could one use a VCC?

Virtual credit cards can be used for online purchases and transactions on any online merchant, distributor, business websites, or in short, anywhere credit cards are accepted. Some are also used to verify PayPal and other similar payment accounts. Even though VCCs do not virtual prepaid card  require you to reveal your true personal information, a valid address must be provided for online orders that require physical delivery.

What kinds of Games Available in Online Casinos Would be the Most Popular?

On-line casinos are becoming more and more popular for use as an enjoyable at home hobby for many people worldwide. There are many different types of online casinos available to users, but the best choice on which one to use is an educated decision. Looking into the reputation of the software provider for each of these online casino websites will be a necessary step if you want to ensure that you aren’t getting ripped off. There are many different online games available in online casinos including slots, blackjack, and roulette.

Slots – addicted to the one armed bandit!

um Online slots is much like traditional slot machine games which mocks the three-reel or five-reel slot machines found in a stand alone casino.

o Slots have been known as one arm bandits because of their ability to get you hooked and take all of your money. Here’s more on https://777-chat.info/ have a look at the webpage.

o Slots is a very popular game and even more-so popular in online casinos.

o The basics of slots are that you pull the arm and try to get a combination of successful symbols in order to win the jackpot.

Blackjack – a game of the pros

o Blackjack is a basic desk game that is found in many stand alone casinos that involves cards and quantities.

o The goal of blackjack is to obtain as close to a total card depend of 21 as possible, without groing through. The player with the least cards which achieves this is a winner.

o Black jack has been referred to as the most widely performed betting game in the world.

o The easiest method to win at blackjack is to get dealt a winning hand with the 1st two cards dealt to you.

Roulette – let’s go another round!

o Roulette involves a ball that spins on a wheel that is marked with numbers in switching colors of red and black

o A bet is placed within the number and color that you be prepared to win

o Your winnings depend on where the ball stops

o Gamers can also place bets on varies of numbers or odd and also number choices.

o The payout depends on the likelihood of the bet, or the odds of that choice.

o The player or players with winning picks receive the winnings in the pot.

There are numerous popular online casino games including slots, blackjacks, roulette, video poker, and many more. The most widely played game tends to be blackjack but different gamblers have their very own specific preferences. Depending on the amount of brainpower you want to spend, you will be able to find an excellent online casino game that will help you enjoy your free time at home. Whether you desire doing offers based on luck and random figures like games such as slots or even roulette, or you like playing desk games like blackjack, there is a casino game available that you are sure to love.

The easiest method to Find Good Rent a Car Companies

A good car rental company can be hard to find. Seeking the best price can be even more difficult. With various deals being run in different times, finding the best car and the best price can seem such as an impossible task. There are a few things you should keep in mind when trying to rent an automobile.

The car rental agencies located in the airports may not be your best deal. Car rental companies will charge more at the airport because they know that most people will pay for the convenience of picking up their car in the airport.
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There are also various fees the agency at the airport has to charge to cover their costs of being situated at the airport. These fees are usually passed off to the consumer. If you are staying at a hotel that provides the shuttle from the airport, take that instead of renting a car at the airport. Once at your hotel, you can check for any local car rental place. Rental businesses that are located further away from the airport terminal are typically more competitive with their pricing.

Try and rent the car before you achieve your destination. If you know a few weeks ahead of time that you are going to need a rental car for every reason, you should reserve it right away. Look for deals such as weekly prices or special weekend rates on certain size vehicles. If you find a much better price closer to the pickup date, you can cancel your prior reservation and re-reserve the newer price. There is usually never a cost as long as it’s not done with 24 hours of your rental.

Always rent the smallest vehicle available. You may need the larger vehicle, nevertheless making your initial reservation, go with the smaller car. Typically car rental companies will only carry a small number of compact cars. If you are arriving late at night to pick up your car, they may have already rented all the small vehicles.

They will be obligated to give you a free upgrade since your reservation cannot be privileged. If by chance they still have the smaller car available and you choose you really do need a larger car, you can always ask for an upgrade when you are there. You will have to pay for it, but a minimum of you tried to force the free of charge upgrade.

Lastly, make sure you are aware everything you are paying for. If you are planning a long trip, you should be aware that you will pay more for something over 200 miles a day. So for a 3 day road trip you’d be better with allowed a total of 600 miles. If your road trip is longer than that, you will be paying for those additional miles. Maybe it would make sense to help keep the car for a few more days just to get the extra mile allotment so you don’t review the daily limit. That would depend on the daily cost of the car and exactly how much over the mileage limit you plan on going.

A little planning goes quite a distance when renting a car. Being aware of the additional charges and fees that may be added on to your bill can help you minimize the cost while still getting a comfortable car to drive.

The way to Catalog Movie Collection Nightmares

Should you have catalog movie collection nightmares that keep you up at night, don’t think that you’re the only one. Many people are more than happy to buy movies, but then imply know what to do once they have more movies than they can handle. No matter what your own catalog movie collection nightmare appears to be, there are ways to make sure you’re able to track your own collection as it grows. Here are three most common catalog movie collection disturbing dreams and how to fix them.

Too Many Films

You might be the type of person who collects films like baseball cards – and you could never have enough. By this is probably the most direct routes to catalog movie collection nightmares. Instead, you need to start paring down your movies. While this might not be the best advice for those who have to possess a lot of movies, looking through your films to see what you actually watch and what you do not is always a good idea. For example , you may have movies that you watched over and over, which you might never watch again. Why are you holding onto them? Also, should you have the digital copies of several movies in addition to the DVD copies, do you really need both? Start taking out the movies that you don’t need and you’ll find it’s much easier to organize.

No System

Another source of many catalog movie selection nightmares is a lack of a system. Regardless of whether you choose to create a spreadsheet or you use a movie collection software system, you need some thing in place to help you manage your selection. Find a few different systems plus try them all out on ten movies. See which one fits your lifestyle as well as your organization ideas. You might find that a few work better than others – and that one is the right fit for you. Yourself the one that makes sense, it’s time to use it in your collection.

Lack of Maintenance

Once you have the catalog movie collection program in place, then you need to make sure you preserve it. That’s the tricky part for the majority of.
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Having the system is fun, but maintaining it up is not nearly as fascinating. Instead, you need to look at this system because the way that you will begin to create a lifetime of movie organization. This system will help you continue to keep collect movies that then obtain watched and used the way you need to use them. Find a way to continue to upgrade your collection software so that if you’re never behind again.

Motivating and Rewarding Your Web Delegate Staff

When you have reached the point where a regular, routine section of your business has been totally outsourced, and you are dealing with the same web outsource people over and over again then – just as you will with in-house staff – you have to consider how you will motivate plus reward your staff to continue dealing with you.

Why motivate and prize freelancers?

Highly motivated workers produce a higher quality of work.
The more your own workers feel part of your business, the more likely they are to meet deadlines.
Your staff members will feel more valued by a person therefore will be happier to work overtime, or work extra hours at home.
Your web outsource staff are usually less likely to be ‘poached’ by other people offering them more money.
If your staff are happy working for you despite a person paying them a little less, you might not need to increase ‘wages’ to retain them.
What will motivate them?

The best place to start is to ask yourself – “what type of things would motivate me to work harder, better and faster? ” Below are some suggestions

Financial Rewards

Bonuses – you could make this financial (pay extra % if work completed early) or hold out the chance of more work if the present project is completed satisfactorily. If a specific promotion that you have been running has been more successful than you anticipated because of the higher quality of work from your internet outsource worker then consider offering them a slice of that
In case you are selling a particular product that would be of usage to your workers and is easily delivered you could offer free of charge samples, or if it is a more expensive item you could suggest a staff discount. If your method something they have made this will not really work though! Alternatively if you have an art that they might find useful you could provide that. Setting up a website for an authors personal blogs for example.
You may have the paid membership web site on a niche market of general interest – once again you could offer a free membership as a ‘thank you’
Corporate Gifts — if your business offers gifts inscribed with your details (diaries, pens, calendars, golf balls, etc . ) again why don’t you enjoy offer those to your web delegate staff, depending on where they are located. What may be perceived as a “bit cheap and tacky” to American or European minds could well be quite definitely appreciated in so-called poorer countries.
Non-Financial Rewards

There are many ways to make your web outsource workers feel happier, appreciated and part of a team that do not involved money. Research on employees has shown that will non-financial things can potentially be more motivating than financial rewards. Some of these motivations are so common sense and basic they can be easy to neglect.

Build up a good operating relationship with them first
Thank all of them for doing a good job, if which is appropriate. Email communication tends to be void of the politeness and small talk of direct conversation. Often emails are usually either negative (i. e. a complaint) or neutral (an ask for to have something done or question).
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If you are especially pleased with what someone has done for you, a phone call in order to thank them is much more personal.
Once you learn your web outsource service providers well enough and have discussed more personal factors (their family and themselves) then make a note of their birthday or spouses birthday. Just as a normal workplace might placed on morning tea for a birthday, enjoy by send them an e-card, they will be delighted.
Ask about their children, most people love to talk about their children. If they have mentioned earlier on to you that for example , their child can be starting school next week, then request how it went. This demonstrates you see them as more than just a number, or an email contact on the other side from the world
Be aware of cultural and religious differences. If you are dealing with people in India, the chances are they will either be Hindu, Muslim or Sikh. Find out when their religious festivals or holidays are, if they are Hindu it is a nice gesture to want them “Happy Diwali”, likewise if they are Muslim a “Happy Eid” information at the end of the Ramadan fasting time period will always be appreciated. If you have outsourced to people in the United States send ‘Happy Fourth of July’ and ‘Happy Thanksgiving’ text messages.
It may seem odd or a bit of a hassle at first, but if you can build solid interpersonal relationships with your web outsource staff, just as you would with your customers, then everybody benefits.

Facts Car Rental Companies in Costa Rica 2015

Facts Car Rental Companies in Costa Rica

Rate Comparisons for 2015

Car rental within Costa Rica is an opportunity to explore the remote beaches and quiet corners of this breathtakingly beautiful country. Travel without the restrictions set by open public transport timetables and with freedom over group tours. For the unprepared tourist; however , car rental costs and services can be a rude shock and a whack to that vacation budget.

Renting a vehicle for your vacation will probably be the most expensive section of your budget, so understanding the terms plus managing expectations is very important. The information beneath is not meant to be an exhaustive manual, but it should set you in the path towards an informed decision for the car rental needs in Costa Rica.

Why is car rental so expensive?

Visitors through outside of Costa Rica are often surprised from the cost of car rental. While hotel rooms, cafe bills and tours are less than the prices paid at home, it may show up strange that car rental should be more expensive.

There are two simple reasons for this high cost:

All vehicles within Costa Rica are imported and a taxes is imposed. Due to this heavy taxation, the cost of purchasing a vehicle is greater than it would be in other industrialized countries. There are several car rental operators who rent older vehicles in order to reduce their costs.

The cost of mandatory insurance (see below).
Factors that Affect Car Rental Costs

᾿ Mandatory Insurance

Third-party insurance policy, which may be known as TPI, PDW (Partial Damage Waiver), SLI (Supplementary Responsibility Insurance) and other acronyms, is a lawful requirement. Car rental operators must cost the customer for this coverage which may or even may not be clear in the quotation obtained by the customer.

The insurance itself is not the issue. After all, many other countries require car renters to pay a mandatory insurance; including: New Zealand, Italy and Mexico, as well as a number of the Oughout. S. states, like California. The issue that causes contention in Costa Rica is the fact that this cost is not always displayed obviously on the car rental operator’s website or even in a quote. Customers then uncover the additional cost of their rental on arrival.

The cost of mandatory insurance differs from company to company and will depend on the car category that is being rented as well. The cost for a small sedan might be as little as $12 per day, whereas reduced 4×4 vehicle could be as much as $25 for insurance per day. This is besides the rental cost.

Credit cards in North America usually offer car insurance as an additional perk to the credit card holder therefore North Americans in particular, are unused to using to pay for insurance on top of rental costs. However , no credit card will cover this particular insurance requirement.

Do ask if the given quote includes third-party insurance and check the prices on the car rental operator’s website.

᾿ Collision Harm Waiver

This is not insurance, but a waiver. The basic level will come with an insurance deductible that varies, but could be as much as $1, 500. For a higher everyday rate, a zero deductible CDW may be purchased to relieve the tenant of any financial responsibility in case of harm to, or theft thereof, the vehicle.

A lot of renters will obtain their CDW through their credit card. However , it really is worth noting that the responsibility to make any insurance claim is within the customer and not with the car rental owner. Some renters may choose to purchase extra in-house coverage to avoid having this particular responsibility.

There will be car rental agencies which hard sell their own coverage programs through guaranteeing peace of mind, but eventually, this is the renter’s decision. It is really worth remembering that car rental company workers, like in other parts of the world, will certainly sometimes earn commission for insurance policy sales.

If the customer’s credit card will not provide CDW, the customer will be required to purchase this in-house coverage.

Car rental providers require written proof that the customer’s credit card provides CDW. Ask the vehicle rental operator for the exact details of what they require and in what form. Some may accept a sent email from the credit card company, yet others may ask for a published copy to be presented at the time of rental.

᾿ Deposit

The deposit amount required will depend on whether the customer selects to use the car rental operator’s in-house CDW or takes this coverage through a credit card. Expect to pay a far higher deposit if the in-house CDW is declined. The deposit may also depend on car model rented. This amount, which will be held on the renter’s credit card until the end of the rental period, can be from $750 up to as much as $3, 500. The down payment should take no more than five days to be refunded to the credit card within the vehicle’s return. Some car rental companies will accept debit cards for deposit hold, but the return time for this quantity can take weeks.

Do ensure that the particular deposit is calculated in the holiday budget as an unexpected hold of a couple of thousand dollars on a credit card could otherwise severely cut into vacation spending.

᾿ Airport Taxes

Clients that rent from a car rental operator’s counter within an airport building are usually obliged to pay the airport taxes.

Those car rental operators with a counter at San Jose’s Juan Santamaria International Airport (SJO) are: Alamo/National, Budget, Dollar, Economy and Hertz. These businesses will add an additional 12% tax to the rental cost.

Those carrental operators with a counter at Daniel Oduber Quiros International Airport (LIR) are: Avis, Budget and Economy. These companies will add an additional 3% taxes to the rental cost.

To avoid this particular tax, take an airport shuttle with the car rental operator to an workplace located outside of the airport grounds.

᾿ Surcharges and Other Taxes

There are a number associated with other obligatory fees that carrental operators may add into the rental cost, display on-screen or display in the quote, or leave undisclosed until the customer’s arrival. These possibly hidden costs may seem small whenever viewed individually, but these are typically everyday rates, so they will add up quick!

These may include:

᾿ License Dish Fee: Less than $2 daily, yet differs from company to company.

᾿ Environmental Tax: Less than $1 daily.

᾿ Sales Tax: All sales dealings in Costa Rica are subjected to the 12% government-imposed sales tax.

᾿ Car Washing Fee: Bring back an exceptionally dirty car and the cleaning fee may be added onto the final payment. One car rental operator charges $20 with this additional service.

᾿ Fuel Charges: If the fuel tank is not filled up to the same level as it was at the start of the rental period, then the car rental company will charge (usually towards the nearest eighth of a tank). This particular charge is dictated by the car rental operator and it is not subject to the particular governmentally set fuel price that might be found at any gas station.

Where Should I Reserve the Vehicle?

A common confusion for travelers booking a rental car is the discrepancy between international sites for car rental operators and the Costa Rican website for the same brand. Often the international websites are unaware of, or fail to disclose, insurances, taxes and surcharges that will be charged at the kitchen counter. This may be due to the fact that many recognized carrental operator brands in Costa Rica are certainly not a foreign branch of the branded car rental operator, but instead are a franchise operation. This factor is also worth looking at in terms of expectations concerning customer service and other finer details. The Costa Rican franchise office may have their own type of operating, apart from the same policies and guidelines that the customer may have skilled in other parts of the world.

Understandably then, an online reservation is best made through the local website and not the global site, wherever possible. A number of companies have no a local website. In this case, do examine the details with a local staff member via the telephone and ask for written confirmation of the quote. Experience with live conversation on the international websites suggests that while staff is trained on terms and conditions governing the main office (usually U. S. A. ); they understand little of the policies that must be adhered to in Costa Rica.

Car Rental Comparisons

Within May/June of 2013, I compared the pricing and services of the number of car rental operators in Panama and nicaragua , and published the findings. To my surprise, the article is still being ripped regularly across the Internet which suggests that it can be still useful and so an revise was required. The prices for this assessment were obtained in December 2014 plus January 2015.

The ICT (Costa Rican Institute of Tourism) declares that there are thirty registered car rental workers with eight others pending approval. However , there are many more agencies that will rent cars to visitors. The car rental operators selected are those that are most frequently used by travelers:

Adobe

Alamo

Avis

Budget

Dollar

Economy

Sibel

Hertz

National

Payless

Service

Thrifty

Toyota

USave

Vamos

Wild Rider

Exclusion of Companies from Last Comparison

Budget, Economy, Payless, plus Toyota were contacted, but these 4 companies did not provide accurate online rates. Economy and Budget’s web sites have one price, regardless of the dates inserted and customers need to reserve an automobile in order for them to honor the price shown. Toyota’s website was unfortunately only working up until March. Beyond that will, the pricing displayed $0 for your remainder of the year. Payless provides this disclaimer on their website: “Taxes and surcharges are not within our control and may change without notice. ”

Sending individual inquiries for each time period led to inconsistent results: Budget offered the same price for all three investigated time periods when receiving an email request, that is highly unlikely; Economy responded with different quotes for the same dates from various members of staff; and Toyota’s emailed quotes for time periods previous March’s prices indicated online did not correspond to the March rates cited (perhaps the emailed quotes included taxes that were not shown online). Payless can provide quotes via e-mail and telephone, but were not consistent with pricing for different seasons.

Avis is only excluded from the price comparison, as they do not have an intermediate SUV type in their fleet.

Comparison Information

Car rental rate, all taxes and surcharges, and third-party insurance costs are (supposedly) calculated and ranked accordingly below based on the week’s rental of a BeGo or similar intermediate 4×4 from the San Jose/Alajuela location (not in the airport).

Rates are calculated on the weekly basis and divided simply by seven to provide a daily cost which is more easily comparable. As not all prices is completely transparent, the prices are as accurate as possible based on the information provided from the car rental operators’ websites, calls, and/or emails. Airport taxes are certainly not included in these figures.

Shoulder Season (Quote for July 13 via 20)

1 . USave $43. thirty seven

2 . Service $54. 92

3 or more. Fox $55. 64

4. Hertz $58. 17

5. Adobe $60. 13

6. Alamo $60. 99

7. Wild Rider $62. eighty six

8. Dollar $63. 35

9. Vamos $64. 15

10. Nationwide $67. 04

11. Thrifty $74. 39

Low Season (Quote for May 13 through 20)

1 . National $37. 04

2 . USave $43. 37

3. Dollar $46. 49

4. Adobe $52. 57

5. Vamos $53. 15

6. Service $53. 49

7. Hertz $54. 59

8. Fox $55. 64

9. Wild Rider $55. 71

10. Alamo $60. 99

11. Thrifty $74. 39

High Season (Quote for March thirteen through 20)

1 . Dollar $55. 92

2 . USave $56. 22

3. Hertz $56. 37

4. Fox $59.
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5. Cash conscious $64. 69

6. Service $66. 63

7. Vamos $67. fourteen

8. Alamo $69. 56

nine. Wild Rider $70. 00

10. Adobe $70. 63

11. National $73. 90

Summary of Assessment

Interestingly, there is not one clear costly or cheap company from those compared. The variation in rating between seasons is marked plus customers should consider their vacation times when choosing the car rental operator. For example , Thrifty appears as the most costly with regard to both low and shoulder time of year, but are only in fourth position in the rankings for High Time of year.

It is also significant that pricing is not really consistent with ranking with car rental operators in other car categories. For example , Vamos’ pricing is the cheapest for a superior vehicle in the shoulder season; even though are not first in any rankings for your intermediate category and Adobe which appears competitive are the most expensive for this time period and car category.