Financial strategies

Best methods for how to multiply your money. All our experts state that your attitude to risk is one of the most important things to consider before you invest your £10,000. “You must ask yourself: how much risk am I prepared to take? How long am I investing for? What are my investment goals?” says Mr McDermott. For more on this read What is investment risk? He says a medium-risk person looking for capital growth across a minimum 10-year investment horizon could consider weighting their portfolio towards 40% in the UK, 20% in the US, 15% in Europe and 5% each in Asia, Japan and other emerging markets, as well as 10% in so-called absolute return funds.

While large short-term profits can often entice market neophytes, long-term investing is essential to greater success. And while active trading short-term trading can make money, this involves greater risk than buy-and-hold strategies. Many great companies are household names, but many good investments lack brand awareness. Furthermore, thousands of smaller companies have the potential to become the blue-chip names of tomorrow. In fact, small-caps stocks have historically shown greater returns than their large-cap counterparts. From 1926 to 2001, small-cap stocks in the U.S. returned an average of 12.27% while the Standard & Poor’s 500 Index (S&P 500) returned 10.53%. This is not to suggest that you should devote your entire portfolio to small-cap stocks. But there are many great companies beyond those in the Dow Jones Industrial Average (DJIA).

The answer is by buying an index fund. Index funds are the best friend of the passive investor who want an easy way to invest in the market. An index fund is a type of fund with a portfolio constructed to track a certain index. Index funds can track the return of the S&P 500, Dow Jones, or NASDAQ. Index funds can either be exchange traded funds or mutual funds that hold securities in a given market. A S&P 500 index fund will buy shares of the 500 largest companies in the United States and will track the movements of the Standard and Poor’s 500 index. This fund will replicate the performance of the S&P 500 index. If the S&P 500 index is up 10 percent for the year then a fund like the Vanguard S&P 500 index or the iShares S&P 500 index should be up approximately 10 percent as well. Read more on Easiest Way to Invest Money.

If you’re on a tight budget, even the simple step of enrolling in your 401(k) or other employer retirement plan may seem beyond your reach. But there is a way that you can begin investing in an employer-sponsored retirement plan with amounts that are so small you won’t even notice them. For example, plan to invest just 1 percent of your salary into the employer plan. You probably won’t even miss a contribution that small, but what makes it even easier is that the tax deduction that you’ll get for doing so will make the contribution even smaller. Once you commit to a 1 percent contribution, you can increase it gradually each year. For example, in year two, you can increase your contribution to 2 percent of your pay. In year three, you can increase your contribution to 3 percent of your pay, and so on.

Many good investors stress the importance of diversification. But Warren Buffett tends to disagree with the idea. Buffett says that diversification is for people who don’t know much about investing. An experienced investor should choose stocks on a long-term basis and should have faith on his/her investments. Some investors diversify their portfolios because they are afraid that any one stock might sink their entire portfolio; but, while doing so, it becomes much harder to keep track of the current events impacting each company. So, by diversifying, they might reduce the volatility of their portfolio, but at the same time they reduce their focus on individual investments. Buffett waits for opportunities to buy good stocks, and when those opportunities come his way, he takes full advantage. According to Buffett, “When it’s raining gold, put out the bucket not the thimble.”

About MultiplyMyMoney : I have more than 12 years of experience as an independent and personal financial and investment consultant. I used to run a financial blog called BuylikeBuffett which provided insight on investing, saving, money management, and all things finance. I am also the author of Your Financial Playbook: A Guide To Navigating The World Of Personal Finance a financial guide written to inform the beginning investor about the basics of the market. I decided to start a new site because I receive a great number of questions about financial topics on a daily basis. I figure that this would be a great way to answer those questions and increase financial literacy. I also figured it would be a good platform to write articles on everything from teaching how to get rich, explaining the basics of cryptocurrency, to detailing ways of rebuilding your credit score. I was the founder and president of New Horizons Financial Management, LLC, and was a registered investment advisor. New Horizons was an independent investment advisory asset management and personal financial consulting firm offering investment advisory services to high net worth individuals. Read extra details at https://multiplymymoney.com/.

Best Cleaning Services In Calgary – Calgary Cleaning Maid Cleaning

First i will talk about about Calgary, the place where my cleaning company offers cleaning services. Calgary is an awesome place. At the top of the Calgary Tower, a viewing platform and revolving restaurant put sightseers 191 meters high in one of the city’s landmark buildings. Until 1984, the tower was the tallest in the city. Though it no longer holds that title, there are still excellent views out over the city and beyond to the mountains. It is particularly beautiful at sunset or dusk. In 1988, the tower’s giant torch bore witness to the spirit of the Olympics.

With an extensive permanent collection and an ever-changing array of traveling exhibitions, the impressive Glenbow has plenty for the history buff, art lover and pop-culture fiend to ponder. Temporary exhibits are often daring, covering contemporary art and culture. Permanent exhibits bring the past to life with strong historic personalities and lots of voice recordings. Hang out in a tipi, visit a trading post and walk through the rail car of a train.

Now lets talk about cleaning guides: Getting on your hands and knees to clean your baseboards is anything but enjoyable. The good news? You can keep them clean and keep your house smelling fresh with one clever trick. Just attach a dryer sheet to your Swiffer in place of a microfiber cloth and you’ll pick up all that unwanted dust while simultaneously lending a sweet scent to your home. That stuck-on mess from the time you tried to heat up your leftover spaghetti is going to take a lot of elbow grease to remove. Luckily, a little steam can make the job a whole lot easier. Simply fill a microwave-safe bowl with a few tablespoons of white vinegar and a cup of water and nuke the mixture on high for a few minutes. Your microwave will quickly steam up, making those caked-on messes a breeze to clean off afterward.

In most homes, carpet is by far the biggest dust reservoir. It’s a huge source of fibers and absorbs dust like a giant sponge. Even the padding underneath holds dust, which goes airborne with each footstep. Although ripping out your wall-to-wall carpet may sound radical, it’s the best thing you can do if you suffer from serious allergies. For how to remove dust from air the best thing you can do is to replace carpeting with hard floorings like laminate, wood or tile, and wet mop it regularly (with a microfiber cloth) instead of sweeping. Sweeping is more likely to stir up dust than to remove it.

Professional housecleaner Maggie Orth likes to make her own cleaning products. Here’s her recipe for an all-purpose cleaning solution, modified from a recipe she found in the book Clean House, Clean Planet by Karen Logan (available from amazon.com). In a 5-quart bucket, mix 1 cup of distilled vinegar, 3 tablespoons of borax, 1 gallon of hot water and 1/2 cup of soap (Maggie uses Dr. Bronner’s Sal Suds). Maggie likes to add 10 or 15 drops of tea tree, lavender or lemon oil for a nice fragrance. Mix the ingredients and then pour some of the mixture into a spray bottle. Save the rest in a gallon jug. The raw ingredients will set you back $25 to $30, but you’ll have enough to last for years! Use this mixture to clean tile, countertops and painted woodwork. It’s a good all-purpose cleaner, but it’s not the best for cleaning glass. Maggie uses club soda to clean glass. For extra info see the video here : Residential Cleaning in Calgary AB.

Cheap graduate bobbleheads from photo

Bobbleheads are hilarious, nice looking and perfect items to collect. How are bobbleheads made? We begin with the head of the bobble head doll. The body is made of hollow plastic that is covered by felt cloth. On the head, a metal clasp is connected to the downward portion of the head to connect into the bobble head dog’s body. At the far end of the body is a bolt that acts as a weight for the head. When attached to the body, this allows for the bobble head to sway and bob around. Without the weighed bolt at the end, the bobble head would simply rise to the top of the body in a fixed position. Next up is the body of the bobble head doll. The body, which in this case is about 4″ (10.16cm) in length, is made of a hollow core like the head, but the mold is not enclosed in order to allow space for the head piece to attach to the body. To attach to the body, a small metal anchor is attached inside the upper portion of the body to allow the clasp from the head to rest in the center of the anchor. When the head is attached to the body, the bobble head bobs and glides with ease. The movement can be endless as long as the bobble head doll is in contact with motion to jostle the parts enough to cause movement.

First with a short history of bobbleheads. Chinese nodding-head figures are documented in England and Continental Europe as early as the 1760’s and 1770’s and Johann Zoffany’s famous portrait depicting Queen Charlotte in her Dressing Room at Buckingham Palace painted in 1765 shows two such figures in the background (see C. Saumarez Smith, Eighteenth Century Decoration, New York, 1993, p. 255, fig. 246). Nodding-head figures were imported into England, Europe and America from Canton in large numbers from the 1780’s. The great interest in these figures in England is derived in large part from the personal tastes of the Prince of Wales (later George IV) during the late 18th and early 19th Centuries. The Prince’s interest in Chinese decoration was first expressed in his Chinese Drawing Room at Carlton House; however his sudden inspiration to achieve an Oriental interior at Brighton Pavilion was prompted in 1802. The final achievement, an ornate palace of fantastical proportions and exotic furnishings, was due to the combined efforts of the Prince himself and his principal designers, John and Frederick Crace, over the next twenty-five years. A number of Chinese figures of this type were prominently displayed in the corridor of the Pavilion (see J. Morley, The Making of the Royal Pavilion, Brighton, Boston, 1984, pp. 169-176). See more details on https://www.abobblehead.com/collections/personalized-bobbleheads.

Bobblehead is a collectable doll which has characteristically oversized head that is connected to the body with spring or wire and when the head is lightly tapped it would bobble from which doll got its name. Some of the alternative names are bobble heads, Thanjavur thalayatti bommai, bobble head dolls, Tanjore head-shaking doll, bobbing heads, moving heads, nodders, nodding heads, akabeko, wobblers and nodding heads.

The first mass promotion of the bobbing head doll was done for Major League Baseball’s World Series and these bobble heads were imported from Japan and made of paper mache. Shortly thereafter, the switch was made to ceramic for the bobbing head to become more durable and long lasting. Throughout the 1960’s, bobble head dolls became very popular. Sports teams made bobbing heads of their most popular players such as Willie Mays and even baseball team mascots like Mr. Met were enshrined in ceramic. The first bobble head craze ended in the early 1970’s. New collecting crazes began and went full steam ahead into the 1980’s including lunchboxes, action figures, and video games.

When it comes to collecting bobbleheads, there are few terms that are important to know when shopping or researching online: SGA/SGB – People interpret the acronyms in a variety of ways, but it basically means the bobblehead is only available as a stadium giveaway. Depending on the team, they might be available to all in attendance, or limited to a pre-announced number, less than the capacity of the stadium. 15,000 to 20,000 is a common amount for these giveaways and they are free with the purchase of a ticket to a specified game. Stadium giveaway bobbleheads are free because they are generally sponsored. This means there will usually be a brand logo somewhere on the bobble.

Sculpturing bobblehead is a time-consuming job,we offer the fast communication and fast delivery service. you can leave message or contact us by on line chat. if we are not on line, you can leave message or send email to us ask for question,we would reply you within few hours, we would send the proof to you by email.

Abobolehead has been set up since 2006.5, till now we have 11 years making bobblehead experience. Our company specialized in custom bobblehead. During 2008-2014 we mainly produce the bobbleheads for the agents. We are not good at selling, but we specialized in making vivid bobblehead, with perfect clothing details,At production stages, we would send proof to your email and you can approve the proof! If you are not satisfied with the proof, we would modify it till you are satisfied. Read extra info at bobblehead online store. Wholesale order, we would use resin material, safe and environmental. processing, we would polish the surface very smooth, in order to reduce rough surface.

Customer service phone numbers

Upset abou a specific company customer support? Looking minutes on a utility bill to find a customer support phone number? Here is something to help you. What are the best support departments of Fortune 500 companies ? How can you reach them ? This American retailing company was founded in 1883 in Ohio and is the second largest U.S. general retailer based on revenue. A Fortune 100 company, Kroger has over 2,424 stores around the world and maintains its markets in 31 states. Its employees are represented by bargaining agreements and are known to deliver excellent services to their customers. Currently, it holds a 34.8% excellent customer service rating. A major airline based in the United States, Southwest Airlines is recognized as the largest low-cost carrier in the world. It is headquartered in Dallas, Texas and has over 46,000 employees as of August 2012. This airline company was established in 1967 but only adopted its current name in 1971. It has scheduled flights in over 89 destinations in the United States and one in Puerto Rico. Currently, it holds a 34.8% excellent customer service rating.

According to a study run by the customer experience advisory firm Watermark Consulting, companies that deliver a great customer experience are rewarded over the long-term – not just by consumers – but by investors, too. “In short, it pays to be a beloved company,” says Jon Picoult, Watermark’s founder and principal. Take, for example, the online behemoth, Amazon. “Amazon is a great example of a firm that’s hitting all the right notes. They understand the broad spectrum of touchpoints that comprise their customer experience and manage each very deliberately. While other online retailers thought their customer experience ended when they shipped their product, Amazon recognized that even the act of opening the package will, in part, shape consumer impressions. So they invented “frustration-free” packaging, eliminating those hard-to-open clamshell packages that trigger wrap-rage among even the most patient and reserved consumers,” he says. Find out 17 Amazon Prime benefits you might not know about.

Think long term when dealing with customers. By keeping customers happy, they will be loyal and through word of mouth, will do the marketing for you. In fact, according to author Pete Blackshaw, a satisfied customer tells at least three friends (whereas an angry customer tells 3,000!) Peter Shankman, author and business consultant, was ready to board a flight before tweeting “Hey, @Mortons – can you meet me at Newark airport with a porterhouse when I land in two hours? K, thanks. :)”. As soon as Peter landed, a gentleman wearing a tuxedo was holding a bag that contained porterhouse shrimp, napkins and silverware. Knowing that Peter was a regular customer and having tracked down his arrival details, Morton’s traveled more than 23 miles to deliver excellent service.

The companies that deliver great service are able to do so because they have the right tools and processes. As was mentioned earlier, these companies put the customer at the heart of their organization. All decisions made will be reviewed based on how it impacts the customer. Customer service software allows you to set up internal and automated processes that will help you acknowledge, track, manage and report on all customer service requests, which in turn helps you to answer and respond to more customer requests. If you do not have a customer service solution in your organization, now is the time to get started. The rest of the tactics can only help you become best in class if you have the right tool to begin with.

Customer service contact phone! This website focuses on providing lightning fast access to details about any big firm client support section, with a lot of additional information, like phone contacts, email, live chat addresses and so on. See extra info about Customer service number.