Jun 16

By Ingvar Grimsmo

Here in British Columbia, Canada the latest lottery winners were a gay couple. Regular working people. Cool. I wonder if they would be as generous as an elderly couple in Nova Scotia who won 11.2 Million in July 2010. They have given away most of the money to family and charities. Now that’s cooler.

I always wondered what I would do if I won say.. 10 million dollars. Tax free, of course. (This is Canada!). First – debt free. Own a nice house and so on. That’s going to burn oohh about $600,000. Then I’d want a boat, maybe an apartment somewhere nice and hot. That’s set me back another $600,000. Or more, who knows.

I would quit work. So I would set up a fund where I could have a steady income for the rest of my life which is about another 20 years. So to clear $10,000/month just from a 3% financial vehicle I would need $15,000 per month gross. Or $180,000 per year. That would need about $5,500,000 invested.

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So far I have spent about 7.7 million bucks. Left is 3.3 million dollars. Hmmm… family? Ok, I’d set up funds for the kids. Travel? Sure, let’s take a cruise around the world.

So within mere months I can blow through 2/3 of the money. Easy. That’s what people do. Lots of people that win big have nothing left after a year or two. They have no sense of the future. I think that with a big win – the lottery corporations should provide a free financial advisor. I also think that having winning pots more than a few millions is silly. Wouldn’t it be better to share the prizes? Say take the 50 million recently won here and make it 50 one million prizes? Chances of winning would be greater.

But no, this is one of the reasons for people buying lotto tickets in the first place. To hope for the big win. Someone told me the other day when I asked why he bought lottery tickets: “It’s a cheap way to dream a little for a few bucks a week.” Good point. Go to any mall and hang around the lottery booth and you’ll see the same people there all the time. Especially elderly people. It’s their entertainment.

Do they get hooked? Perhaps some do. It’s like anything – moderation. Even though most people have no idea of the math of lotteries. However, they saying goes: “If you don’t buy a ticket you are guaranteed not to win anything.” I guess even a remote chance of winning is something.

Can you increase your odds? As a data analyst I would say yes. The drawings are random, but you can increase your odds of winning by buying a set of tickets and mathematically pick numbers that cover more combinations. There are lots of systems out there, the most popular is The Silver Lotto System. See link below.

Play the lotto within means. Only spend money you can afford to lose. And good luck.

About the Author: Ingvar has been on his own since 1988. He’s an internet marketer, but his “day job” is that of a database programmer. He’s particularly fascinated with lotteries.

LotteryWinningNumbers.ca

Source:

isnare.com

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May 1

Business-Adviser Provide A Complete Range Of Accounting, Taxation And Audit Services

by

Mark BonneyLet’s be honest, when it comes to keeping your business finances in order sometimes you can become flustered. It is no easy task having to remember properly filing your taxes or get your accounts in order while running a business. Take the easy way out and contact Business-Adviser to get the best service for your business needs.

If you are thinking, “how much is this going to cost me?” A perfect suggestion is to ignore the current costs and think about all the help you will be receiving. Business- Adviser offers you and your business top professional help for a great price. Read below on the different ranges of services Business-Adviser offers their clients.

Accounting Services

If you are not a numbers person, then accounting is not in your future. But not to fear with the help of Business-Adviser, they offer bookkeeping services and accounting services to whip your finances into shape. Business-Adviser offers package deals that won’t leave you hanging.

Audit Services

It is doubtful that anyone likes to getting audited, but with Business-Adviser’s help, things can go a lot smoother. Business-Adviser is an expert firm and is a registered audit company that can make your audit worries less troublesome.

Registered Tax Agents

Who better to help file your taxes than a registered tax agent? The professionals at Business-Adviser have learned all there is to know about taxes and have you 100% covered. Their low costs and excellent Auditing Services Parramatta make for a great partner for your business during tax season.

Tax Strategies

Is anyone ever really ready to file taxes for their business? Taxes are tedious and difficult to file if you do not know what you are doing. Business-Adviser has a plan for filing taxes and they stick to it. Their high-quality agents come up with the perfect strategy to tackle your business taxes and they always follow through. Business-Adviser is always up to date on rules and regulations on taxes and has your business covered.

Financial Planning

While you may not have thought about financial planning for your retirement. Now is the time to start thinking about it. Business-Adviser offers financial planning that can help you choose the right path for your retirement. The best part is that putting money away for your retirement can count as a tax write-off, which can save you money!

When the end of the tax year approaches quickly, you can rest assured that you are in great hands with Business-Adviser. You could save a load of money by having a Professional Bookkeeping Services look at your business financial information and file the proper tax information. Filing your taxes, getting audits done, and reorganizing your accounting is much easier said than done with Business-Adviser.

Visit Here For More Information : http://www.business-adviser.com.au

Business Advisory Services A complete financial and system analysis is an important first step in figuring out what happens next.

Article Source:

eArticlesOnline.com}

Feb 27

By Simon Johnnson

Men with curly hair usually have problems with dryness, coarseness, not to mention brittle hair. Curly hair also tends to get frizzier during the more humid seasons.

But fear not! Maintaining your curly hair isn’t as difficult as it may seem. There are a whole range of hair-care products available in the market. Men’s hair products and hair-cuts are all at your fingertips to manage your curls without going broke.

The easiest solution of course is to shave your head! Bald men are actually quite a turn on for many women. However, don’t try and do this to yourself. You might end up cutting yourself and not the hair. Go to a barber’s and make clear to them what you’d like.

There are a few products that guys with curly hair can use to keep their hair in check-

— Cream -Based Shampoo: Shampoos that have a creamy base are better than clarified, clear shampoos as they moisturize more.

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— Double Conditioners: One cannot overdo it with the conditioning when it comes to frizzy curly hair. Keep a heavy duty conditioner for following up every hair wash and a deep rooted conditioner for use occasionally, about every week.

— Cream Styling: Use a cream based styling product to enhance your curls without drying them. The cream is usually rubbed into the hair and allowed to dry.

— Serum Styling: You could alternatively use a styling serum. These are usually warmed before rubbing on the palms and spread into the hair.

— Gel or Balm: Blow-drying your hair should be usually preceded by a straightening gel. Use about a quarter-sized amount of it on your hair before drying.

Other than the products, there are a few tips you can follow:

1. Try not to use the Blow Dryer: The dryer, as its name suggests, really does dry your hair. For hair that is already curly and frizzy, heat only adds to the problem. Finger-combing and air-drying works better. If you absolutely must use the hair dryer, cup your hair with your hands from below the dryer or use a diffuser to lessen the drying effect.

2. Less Mess is Goodness: Try not to play with your curls or scrunch them. The more you tease your hair, the more you ruin its texture. If you need to style your hair use your fingers to curl it and let it dry in the air.

3. Good Stylists: Find a stylist who himself has curly hair so that he (or she!) can understand all your hair needs. That way you won’t have to explain yourself over and over again.

If you don’t want to shave your head, you could try letting it grow out and going in only for short trims. That way you’ll always have a nice, clean look with soft to touch hair. Don’t use anything but scissors on your hair when you get it cut! The Superbad look that Jonah Hill once sported may prove to be your look in this regard, or the other option of Adrian Grenier may also work out. Whichever it is, experiment and take care of your hair to always look clean and sophisticated.

About the Author: Simon Johnnon is the director of content for Executive Gift Shoppe. They feature a large selection of

Groomsmen Gift Ideas

like money clips, cufflinks or a

Zippo Lighter

.

Source:

isnare.com

Permanent Link:

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Jan 14

By Theodore Olson

The Internet has been touted as the greatest resource for the used car buyer. Prospective buyers can find trade-in, private party, and retail values in a heartbeat. The question to consider, however, is what Internet source is right? The three major sites: NADA, Edmunds, and Kelly Blue Book are clamoring to be the Trusted Authority on used car values. Yet price discrepancies are frequently in the $1000s from site to site. Which web site, if any, is the most accurate source for the used car buyer?

To illustrate the discrepancies, heres an everyday example: NADA may retail a 2003 SAAB 9-5 Linear at $15,996, Kelly Blue Book prices it at $17,456, and Edmunds prices it at $14,800. These are all retail values, assuming excellent or clean condition. $17,456 minus $14,800 is a $2,656 difference. Thats a huge price difference in the highly competitive used car market.

The retail values placed on many vehicles by these web sites can have even larger price differences – some as high as $4000 to $8000 dollars. These gigantic price fluctuations can leave a used car buyer spending $1000s extra, depending on which guide he or she used. Moreover, private party and trade-in sale prices do not accurately account for vehicle condition, and less than 5% qualify as excellent.

Vehicle condition is a critical variable. An owner might think his trade-in is in stunning condition and thus worth X, based on his Internet research. An expert may know it needs $1000s in repairs and reconditioning costs.

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The answer to whose prices are right is that none of the big three web sites reflect used car prices accurately. Most often, the prices are too high on the retail side, questionable on the trade-in side, and confusing on the private side.

So what or who is the real authority? The answer is the Market! The market (i.e., the folks grinding it out everyday in the used car market place sellers and buyers) reflect true market value. Web sites are guides only. The used car prices from these sources need to be measured against the reality of the market.

Heres a scenario to illustrate the importance the market plays on used car values. In the Northeast, the banks rely on NADA, used car dealers prefer to use Kelly Blue Book, and used car buyers are turning more and more to Edmunds. Now the dealer will likely want to use the inflated (Excellent condition) Kelly Blue Book value. The buyer wants an unrealistic Edmunds price, and the bank wants to use an under-valued NADA price. In other words, the three primary people in the car buying process the buyer, the seller, and the lender, are all on different pages. Each player wants the most advantageous price based on the part he or she is playing. The market is the only element that evens the playing field. The point here is to demonstrate that the market is the true source to determine a REAL and FAIR used car value.

In order to get a fair price, according to the market, a used car buyer should aim for the middle. Avoid the highest prices and be realistic and flexible about the lowest. Stay somewhere in the middle to get a fair deal.

If you want a great deal, follow the market closely. If buying from a retailer, eBay and auction prices dont count, as these are wholesale venues. Check out Cars.com, AutoTrader.com, and some of the other Used Car Sources. See what the vehicle you want (including miles, equipment and accessories) is being advertised for. Again, shoot for the middle!

Use the popular Internet resources, but dont follow them blindly. You may actually pay significantly more than market value.

Having said all this, this doesnt mean that used car dealers are going to stop trying to low ball trade-in offers. And of course every dealer wants to sell its vehicles for a maximum. But remember, the same goes for car owners, but in reverse. They want the highest price for a trade and the lowest retail price on a vehicle.

When using Internet sources to determine a used car value, be sure to enter the correct information. This may sound elementary, but option packages, models, miles, color, equipment, engine, transmission, gear ratiosetc, can be confusing. Yet these are important variables that will affect prices dramatically. In short, the wrong information skews the numbers.

Finally, what really needs to be highlighted with NADA, Edmunds, and Kelly, as well as other Internet sources, is that they are GUIDES. They are excellent resources for vehicle information, but weak resources for prices. This is not to bad mouth any of these sites they are great starting points. Remember, however, that these guides may or may not be in the car buyers favor. Fair used cars prices are dictated by the market. Yes, do your research on the Net, but dont cling to it. Use the Internet only to find the used car markets middle ground.

About the Author: Ted Olson is the founder of RepairTrust – a website dedicated to help the auto consumer avoid the pitfalls of the automotive industry. Click

Auto Repair Costs

to learn more…

Source:

isnare.com

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Nov 15

By Estephen Dolano

You must be keen on having a new home in Canada, right? Were you making plans for refinancing your active higher rate of interest mortgage with lesser rate of interest home loan thereby cutting down your monthly repayments? Were you interested in pulling out some of the equity in your house to carry out some mandatory house improvements or getting it for a fresh corporate set up? Is it true you are experiencing any urgent cash requirements for instance managing your child’s education fees, medical ailments or any other financial worries? Now, it is possible that you’ll need a mortgage.

Home mortgages permit Canadians to purchase houses, decrease the interest rate on houses they already have, and exploit otherwise wasted home equity and put it to good use. Not having the productive outcomes of home loans, we’d be compelled to purchase our home with hard cash. Home mortgages are a bit more than ordinary home loans. With the help of refinancing, you can enjoy lower rate of interest, longer or shorter pay off time, or save for retirement life! By using a home equity loan, you are in a position to utilize those additional funds for the unpredicted emergencies which crop up.

Additionally, whenever you would like a mortgage in Canada, it is likely for you to have 2 choices: take a trip to a retail financial institution to secure a home loan, or talk to a mortgage broker. As you are choosing, you have to know that when you choose to check out with a mortgage lender for the mortgage, you’re dealing with just one single loan provider and a loan representative who stands for that lender instead of you. A mortgage lender’s loan officer is all in favour of delivering loans that are money-making for the banking company. The loan officer will be hunting for stipulations which are beneficial to the lender and won’t keep your welfare at heart.

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However, that’s primarily how a mortgage broker will work. Mortgage brokers have connection with multiple financial institutions and lending resources as your representative, trying to get the lowest rate mortgage to meet your requirements. They are basically familiar with lots of solutions which may be great for you and if not, they’ll hunt around throughout their association of banks to search out one that may be suitable for you. Mortgage brokers will even be aware of programs especially for those having poor or no credit, even though a typical financial institution may generally disapprove someone instantly without specified, generally excellent, credit rating. To be brief, if you’re in need of a property loan in Canada, a mortgage broker will be available for your needs, a lender’s loan officer may never be accessible.

That being said what exactly is the way in which a mortgage broker does the job. Besides will you be charged any charge in return for their good resources and time? Well, no. A lot of Canadian mortgage brokers are paid commissions together with fees from the loan companies they do business with. Whatever the case, there’s no fee to you. In addition when you appoint a mortgage broker who does ask for a fee, it is time to unearth one that wouldn’t. Whenever you require a mortgage for a first house, a second house, to refinance an already owned home, or maybe to keep a little extra money in your pocket, use a Canadian mortgage broker for your Canadian home loan. You would obtainquite a few choices, and superb advice. Thus, begin looking immediately!

About the Author: Estephen is an expert in the field. For more information on

Mortgage Brokers Rates

, and

Best Variable Mortgage Rates

Please visit: http://www.ratesupermarket.ca

Source:

isnare.com

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