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Home > > 2.9% fixed apr for life of transfers

2.9% fixed apr for life of transfers

In this article we're going to cover the art of money management as it applies to gambling.Money management is important in all walks of life, where any type of investing or spending is involved.

Because of the risks involved in gambling, especially in casino gambling, money management is more important than even knowledge of the game itself. Unfortunately, most novice gamblers don't understand how important this is or even that they should do it. Hopefully, this article will help the novice gambler understand how to better manage their funds when hitting the casinos.So what exactly is money management? Well, it's what it sounds like. It's managing your money in such a way while at the gaming 2.9% fixed apr for life of transfers tables so that you minimize the possibility of loss. This is in direct opposition to those who go to the gaming tables for the sole purpose of winning as much money as they can, money management be damned.Okay,2.9% fixed apr for life of transfers so how is this money management accomplished? It starts with understanding the odds of the game you are playing.Let's take the game of roulette. A roulette wheel consists of 38 numbers; 18 black, 18 red and 2 green. Trying to gain the best chance of winning at this game you want the odds to be as close to your favor as possible. In this case betting either red or black or for that matter odd or even will give you the best odds. What exactly are those odds? By dividing 18 black, red, odd, or even numbers (they're all the same) by the total numbers on the wheel, which are 38, you get a percentage of 47.36%. Those are your chances of winning on any one spin of the wheel.So what does this have to do with money management? Everything.For every 100 spins of the wheel, on average, you are only going to win 47 of those spins. So if you were to bet, say, $10 on each spin of the wheel eventually you would be on the minus side. Why? Because you would win 47 times for a profit of for of apr fixed 2.9% life transfers $470 and lost 53 times for a loss of $530. Adding those numbers together you come up with a net loss of $60. So in this case you did not manage your money properly given the odds of the game.So then the question becomes,life 2.9% apr for of fixed transfers how DO you manage your money even though in the long run you are going to lose more than you are going to win?By realizing that after a win you are most likely going to have a loss. Therefore, after the win, betting $10, you want to bet less than $10 on your next wheel spin. That can be anywhere from $9 down to the table minimum, which in most cases will be about $5.Let's take a look at what happens now. Let's say after each $10 win we drop down to $5 and then we lose the next spin. If this pattern continues for 100 spins taking into consideration that will are going to have 3 wins less than the 50 we would like since it's not exactly 50-50, we come away with a profit of about $225. Quite a big difference from the $60 loss we experienced betting $10 on each spin. By managing our money we took the same odds with the same number of wins and losses and turned a negative into a positive.That is money management as it applies to gambling. Take the same principal, figure out the odds for the game and that will determine how much to bet for each spin, roll, or deal at the table.2

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DID YOU KNOW?

Q: My business is very small, just me and two employees, and our product really can't be sold online. Do I really need a website?
-- Robin C.

A: Congratulations, Robin, you are the one millionth person to ask me that question. Smile for the cameras, brush the streamers and confetti from your hair and listen closely, because I'm about to answer for the millionth time what has become one of the most important and often-asked questions of the digital business age.

Before I answer, however, let's flash back to the very first time I was asked this question. It was circa 1998, during the toddler years of the Internet, just after Al Gore laid claim to having given birth to the concept a few short years before.

I was giving a speech on the impact of the Internet on small business at an association luncheon in Montgomery, Alabama. My motto then was: Feed me and I will speak. I have the same motto today, but I now expect dessert to be included in exchange for the sharing of my vast wisdom.

In 1998, which was decades ago in Internet years, the future of electronic commerce or "ecommerce" as it's come to be known, was anybody's guess, but even the most negative futurists agreed that all the signs indicated that a large portion of future business revenues would be derived from online transactions, or from offline transactions that were the result of online marketing efforts.

So, Robin, should your business have a website, even if your business is small and sells products or services that you don't think can be sold online? My answer in 1998 is the same as my answer today: Yes, if you have a business, you should have a website. Period. No question. Without a doubt. Thank you, drive through.

Now serving customer number one million and oneÖ

Also, don't be so quick to dismiss your product as one that can't be sold online. Nowadays there is very little that can not be sold over the Internet. More than 20 million shoppers are now online, purchasing everything from books to computers to cars to real estate to jet airplanes to natural gas to you name it. If you can imagine it, someone will figure out how to sell it online.

Internet marketing research firms predict that online revenues will range between $180 and $200 billion dollars in 2003. They also predict that the number of online consumers will grow at a rate of 30-50% over the next few years. These numbers alone should be enough to convince you that your business should have a website.

Let me clarify one point: I am not saying that you should put all your efforts into selling your wares over the Internet, though if your product lends itself to easy online sales, you certainly should be considering it.

The point to be made here is that you should at the very least have a presence on the World Wide Web so that customers, potential employees, business partners, and perhaps even investors can quickly and easily find out more about your business and the products or services you have to offer.

That said, it's not enough that you just have a website. You must have a professional looking website if you want to be taken seriously. Since many consumers now search for information online prior to making a purchase at a brick and mortar store, your website may be the first chance you have at making a good impression on a potential buyer. If your website looks like it was designed by a barrel of colorblind monkeys, your chance at making a good first impression will be lost.

One of the great things about the Internet is that it has leveled the playing field when it comes to competing with the big boys. As mentioned, you have one shot at making a good first impression and with a well-designed website, your little operation can project the image and professionalism of a much larger company. The inverse is also true. I've seen many big company websites that were so badly designed and hard to navigate that they completely lacked professionalism and credibility. Good for you, too bad for them.

You also mention that yours is a small operation, but when it comes to benefiting from a website, size does not matter. I don't care if you are a one-man show or a ten thousand employee corporate giant; if you do not have a website you are losing business to other companies that do. Here's the exception to my rule: It's actually better to have no website at all than to have one that makes your business look bad.

Your website speaks volumes about your business. It either says, "Hey, look, we take our business so seriously that we have created this wonderful website for our customers!" or it says, "Hey, look, I let my ten-year old nephew design my site! Good luck finding anything!"

What does your website say about your business?

Here's to your success.

Are you stressed out over your mounting debt? If so, and youíre hoping to find a permanent solution to dealing with your debt then debt consolidation may be the answer.

Debt is on the rise. More and more people are using more and more credit cards each year and living well beyond their means. Debt consolidation is often the best solution for those who find themselves buried in a mountain of debt.

Help is out there. There are a myriad of websites that offer debt consolidation information. The key is finding the right program, company or counseling service to best meet your needs.

One of the advantages of debt consolidation is that you can combine all your credit cards and/or loan payments into one more manageable monthly payment which is usually much lower than you were paying for all you individual debts combined. Disadvantages include longer payment terms.

The amount of money you can save through debt consolidation can really make the difference to your personal bottom line. This is because with debt consolidation you reduce or in some cases actually eliminate penalties and interest which you had accumulated. In most cases, you can also reduce your average interest rate.

Knowing your options is important. The whole debt consolidation process can be overwhelming. Through investigation youíll be able to discover more about how the process works and how each of the options available to you will affect you and your bottom line.

Beware however there are many unscrupulous companies out there who will try to take advantage of anyone who is stressed out over debt. Be wary, if it sounds to good to be true, chances are it isnít.

For some, debt consolidation is a relatively simple yet for others with a more complicated debt situation it can only make things worse if you donít sign up with a reputable company who explains the advantages and disadvantages of their services upfront.

As a consumer, itís your job to protect yourself by seeking out as many opinions as possible before agreeing to any debt consolidation arrangement that will impact your financial future.

Like anything debt consolidation has itís pros and cons. Hence, itís not a step to be taken lightly. Do your homework and ask questions.

When investigating whether debt consolidation and/or which debt consolidation company is right for you, youíll want to find out what the charge is for their services, what the annual percentage rate (APR) is and what the amount of your monthly payments will be. Further you should know upfront how long it will take you to retire your debt and what the total amount is that youíll end up paying.

Other questions like ďWhat happens if I miss a payment? or ďWhat happens if Iím late making a payment?Ē are also important questions to ask before you agree to sign up with a debt consolidation company.










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