All About Online Banking

Banking today isn’t about standing in line anymore. Instead of waiting in line, go online, and discover the advantages of internet banking. Access your account 24 hours a day, 365 days a year. Do all of your banking from the comfort of your own home. In fact, the advantages are numerous:

  • Look at your financial statements anytime you want. The online transaction record is updated instantly, so when the bank knows you made the transaction, you know too.
  • Save precious time and money. Going to the bank often requires booking time off work, driving a considerable distance, and spending hours in line. Doing your banking from home will save you has money, and will help you avoid unneeded stress.
  • Reschedule your payments. If you need to skip a payment, or pay off your credit card early, a simple click of the mouse and the transaction will be complete.
  • Send yourself money. If you are in the business or habit of sending money internationally, or even between cities, you could save yourself considerable hassle by transferring your money electronically from the comfort of your chosen internet connection.
  • Borrow money when you need it. If you have a financial product such as a line of credit, you can borrow money from it over the internet. A simple click and you can place the money in your checking or savings account.
    The possibilities of using the internet to conduct financial transactions has greatly increased the flexibility of the modern internet user. Instead of spending your life waiting in line at a bank, go online, and save your time and money.

Play Games at My Wedding Reception?

You can add spice to your wedding reception and have great fun doing it by playing games! Of course, you’ll still have that first dance with your new spouse to the tune from when you first met. And, you’ll still get to eat from each other’s fork when you cut-the-cake.

While the bride may play games at her bridal shower with the other “girls”, games are not reserved for showers only. You can use games to encourage conversation among your guests. Games can also help in cases where you want a fully enjoyed reception, yet there are religious or other reasons for limiting your dancing or music.

There are basically three types of games that work at a wedding reception. They are: Games for Everyone, The Joke is on the Bride and/or Groom and Outdoor Games (of course for an outdoor wedding).

Games for Everyone

Pass the Buck – Play musical dollar at each table. Whoever is left holding the $1, wins the centerpiece.

Switch the Shoes – The bride and groom may hold up a shoe or garment belonging to the opposite spouse in answer to a what-if question on how they will act in married life.

On the Spot Art – Each guest is given a paper and pen and asked to draw another random guest. This works best when they don’t know beforehand the guest being drawn.

Guess the Truth – Guests are asked multiple choice questions that have been previously asked of the bride and groom. A show of hands will see how many guests are on target.

On the Spot Poetry – Each guest is given a piece of paper and a pen. The paper has the start of a poem like “Sally and Mike met at the fair…” The guests complete the poem.

Games where the Joke is on the Bride and/or Groom

*If you are the bride or groom, let your best man or a bridesmaid read these

Give Back the Keys – (This only works if the bride and groom do not yet share a home) The bride and groom is each given a basket. Announce that “Anyone who still has her house keys must give them back.” Lots of guys get up and drop keys in her basket. Only one guy and the groom’s aunt return keys to the groom’s house.

Guess the Bride – Blindfold the groom and present him with 5 barefooted persons. He must guess which feet belong to the bride. Choose anyone but the bride to be among the 5 persons. In fact, this is really funny if they are all men.

Guess the Groom – Blindfold the bride and ask her to feel 5 men’s faces to guess which belongs to the groom. Choose anyone but the groom to be among the 5 persons.

Outdoor Games

What you play will depend on where the wedding is and how the guests are attired. A game like croquet is easy to set up in a park or large backyard and is possible in semi-formal clothing.

If the wedding is very casual, a park with large grassy area may be great for Volleyball or a huge circle of folks passing a Frisbee. And limbo – with the right music – is great almost anywhere, especially for a Caribbean or beach themed reception.

Niche Marketing Strategies for Home Business

In today's intensely competitive business environment, it is usually difficult to stay afloat, particularly when you're a small home business owner working on shoestring budget. You do not have access to viable means and amenities to compete directly with large business houses and serve a broad spectrum of consumers. In such an adverse business scenario, niche marketing emerges as the most feasible and cost effective strategy that can help home business owners to stay ahead of their competitors and maximize their profits.

"What exactly is niche marketing and how can it help my home business to prosper?" This is the most pertinent question that must be impinging your mind at this joke. Before introducing you to the technicalities of the concept of niche marketing, it would be worthwhile to focus the floodlights on niche market, first. Niche market is a narrowly focused portion market that can easily be targeted. The nature of your niche market and the effectiveness of your niche marketing strategies are intricately intertwined. Here, to ensure overall growth of your home business, you would have to devise your niche marketing strategies according to your niche market.

You can not frame effectual niche marketing strategies unless you're familiar with your niche market. Identifying a niche market is all about finding a distinct segment of consumers whose needs you'll be able to fulfill successfully. For instance, you're a copywriter with expertise in writing brochures, then your niche market would include all those consumers who require brochures time and again. Once, you've identified your niche market, conduct a thorough competitive analysis to identify your direct competitors as well as determine what niche marketing strategies they are using to stay ahead.

It is usually believed that a niche market without any competitors is the best territory to establish home business. To an extend this perception is true. It may be possible that other home business owners may not have discovered your niche market. However, it may also be possible that many may have tried and failed to penetrate the territory. Here, to maintain your risks at a manageable level, it is advisable to access your niche market's receptiveness to your products and services first.

Upon completion of the process of identification of niche market, you would have to plan out strategies to market your products or services in your niche market, and this is what niche marketing is all about. Some potential niche marketing strategies with respect to home business are as follows:

o Before approaching your niche market, try to acquire as much knowledge about the needs of your target audience as possible. By abiding by this niche marketing strategy, you would be able to address the problems of your prospects as an understanding member rather than an outsider. Once, you succeed in winning the confidence of your potential customers, it will become easier for you to sell your products or services to them.

o Do not commit the mistake of using the same method to solve problems of different nature. For instance, you sell leather products primarily to men. Now, you want to include working women in your niche market. In order to do so, you would require leather products exclusively for working women. You can not convince a woman to buy products that are solely for men. In other words, you can not solve a woman's problem with men's products.

o Market your product or service in a manner that will compel your target audience to believe that this is exactly what they need or what they have been looking for. Be prepared to spend time and resource to educate your target audience about your unique product or service. Convince them that only your product or service has the potential to solve their problems forever.

o The last, but the most important niche marketing strategy is to make your target audience believe that your home business is genuine, and not a fragment of an entrepreneur's wild imagination. To achieve credibility, you would have to highlight your home business in all your marketing materials as brochures, websites, press releases and even your business cards.

After going through this comprehensive account on niche market and niche marketing, it can be deducted that the right mix of niche marketing strategies is all that is required by the home business owner to excel.

Be True To Your Finances

Money will never be enough. Whether you earn $100 or more there will always be room for more and more needs and wants in your life. Currently I earn twice as much as I used to earn two Years ago but my expenses are also twice as much. If you do not watch out on the trend you take with your needs and your income, you will get frustrated and think the problem is with money yet you are the one causing the problem.

I prayed for wisdom on how to spend wisely to avoid pitfalls and I got help. I have not reached the peak but so far I am very happy with the way I manage my finances. At this point in time I will give you tips on how to manage your needs and wants in regards to money and avoid going overboard. The secret is to live within your means and this is how

1. Write down your daily needs and wants that you spend on and divide the needs and wants into three categories; Daily, Weekly and Monthly

2. Beside each category write down the needs and wants and how much you spend on them. Be honest with yourself do not underestimate or overestimate, you have to be on point. If you over/under estimate you will not make it. Prices do not change within a short period of time so you will have to go to a grocery shop or supermarket to get the exact price of the commodity you buy daily, weekly or monthly.

3. Find totals for each category, for example, your daily category must be multiplied by thirty for you to know how much you spend in a month and the weekly budget by four. Add up your totals and see how much you spend.

4. If your budget exceeds what you earn, then you have to review your needs and wants and be disciplined enough to reduce your wants at this moment and check whether your needs may also be overboard. If you find that your needs are expensive, then you should find a place where the same needs can be bought less expensive, for example; instead of buying tomatoes or other raw vegetables and fruits from a supermarket try getting them from a local vendor. If the house you are staying in is eating up your money move to a descent less expensive apartment.

5. Stick to this budget and consult it regularly, go back and check whether you are on track or off track. Try this for just a month and you will see a very big positive difference and you will even manage to save money.