Christmas Shopping For Your Husband

You might think that Christmas shopping for your husband would be the easiest part of your Christmas shopping each year. You might mistakenly think this is going to be such an easy chore because you love your husband and know him really well but in actuality; Christmas shopping for your husband is sometimes the most difficult part of the holiday season. This can happen for a number of reasons. First of all you may feel added stress to find a perfect gift for your husband. While you may be willing to settle for gifts which are merely acceptable for other members on your Christmas list, you are likely to feel stressed to search for items which are spectacular for really close relatives such as your husband. If you have been married to y our husband for a number of years you may also have difficulty Christmas shopping for him because you may feel like you have already bought him everything. This article will offer some useful tips for Christmas shopping for your husband which should make the process easier.

Considering your husbands interests and hobbies is one way to make Christmas shopping for him easier. Paying attention to these interests and hobbies can give you a better idea of what type of items would make great Christmas gifts for him. For example, if he recently started golfing and is still renting golf clubs you could consider purchasing a golf bag for him and giving him a gift certificate to purchase a set of golf clubs to fill the bag. Or if he recently started running, you might consider items which would make his run more enjoyable. You might purchase an MP3 player which is designed to be worn on an armband while running or a speed and distance monitor which tracks his mileage and his pace throughout his workout.

Another useful tip for Christmas shopping for your husband is to not be afraid to repeat gifts you have given him the past. You might normally consider purchasing a bottle of cologne for him for Christmas and then decide against it because you realize you gave him a bottle of cologne for Christmas two years ago. This is very common because many people think it is boring to give the same gift more than once but it is not always a bad idea. This is especially in the case of items which can be used up such as cologne, scented soaps and candles. It makes sense to gives these gifts repeatedly because your husband uses them often and runs out each year. However, even items such as clothing can be given as repeat gifts. It is acceptable to give your husband items such as ties, sweaters or pants on more than one occasion because clothing goes out of style and likewise your husband’s taste may change. The tie which he loved a couple of years ago may not be one of his favorites anymore. However, if you gave him a trendy new tie for Christmas this year it is likely to be a gift which is much appreciated.

Finally, if you simply cannot decide what to get your husband for Christmas, it is acceptable to ask him what he wants. Have him make a list of several items he wants and plan on purchasing a few items from the list as well as a few surprises.

Planning For Success

Here are some general start-up tips for a successful home business.

The first tip is a word of caution. It’s easy to think that because your home business can bypass the lease or construction aspects of starting a business, and the overhead costs of furnishing, maintenance, landscaping, utilities and so forth, that you can skip over some other processes to. That attitude, rather than heading someone down the road to a successful home business, could lead to financial business disaster.

An entrepreneurial spirit and a great idea are terrific assets for a successful home business. Other things are important too, however.

Market research and careful planning are of paramount important to the success of a home business, as they are for any business. A business plan is a must. It must include details on the products and services the firm will offer, the type of business equipment and the cost of it that will be needed in the coming five years. It should also include information on the competition in the designated market area. This information should include ways that the new home business will be successful in competing – how it is unique and how it is an improvement over what else is out there in the same industry.

A successful home business is one that is set up as the right legal entity. One of the first things new home based entrepreneurs should do is learn the legal consequences and liabilities of the various business types, as well as the tax consequences of each. A home business might be more successful as a partnership than sole proprietorship, for example, if additional cash flow is needed, or the entrepreneur is deficient in a crucial home business skill such as advertising, marketing or accounting, for example. An accountant can advise on the various options such as limited liability corporations, S corporations, standard corporations, limited partnerships and so forth.

Unless a successful home business is going to include walk in customers homeowner’s or renters insurance should provide adequate financial protection against theft or natural disaster. Of course, as equipment and furnishings are added, the insurance would need to increase. If clients were to come to the home office location, liability insurance would protect the firm from the financial devastating situation of customer injury.

A successful home business is one that is well planned and well funded. There is no such thing as too much preparation.

Credit Cards For Adverse Credit History

The credit card market is seeing a boom with numerous market players. It has created a kind of choice chaos or rather a clutter. It is important to differentiate between a good and a bad market offer. We all have discussed enough about the good and best credit card offers but it is equally important to know about the poor credit card offers, and what to beware of.

It is important to check the credentials of a credit card company before signing up for any offer since a number of fraudulent credit card companies have also sprung up along with the equal numbers of genuine ones. There is never a credit card offer that is perfect. Each has its pros and cons. Normally, if it sounds too good to be true, then it is a sure sign of being a credit card offer for someone with an adverse credit history. Offers like these can simply rip off your pocket and leave you with peanuts. They make tall claims to lure customers but if you read between the lines there is always a trap clause that takes the air out of the claim.

However, desperate requirement you might have of a credit do not fall into the trap of these jazzy claims. They might claim to give you low APR and high credit limit even with your bad credit history. Now this is obviously unbelievable. More unbelievable means more unreliable.

Then there could be credit card offers that are ridiculously unreasonable. For example, they may have a worthless balance transfer offer with amount limited to a level of say.

Ecommerce Selling To The World

Think about this. You are planning to engage in “eCommerce”, to take your business online. So, you need to learn a new set of business rules, a new way of doing things, because online business is “different”, right?

Well, actually, no, not really. You still have a product or service to sell. You still have a store with a shop “window” (your website) and you still need the customers to visit your store, in order to buy whatever it is that you are selling.

The only major difference is that (continuing the analogy) your local store window can only be seen by a small group of people, whereas your online business can be seen by the whole world. By engaging in eCommerce, you can take your business “global”.

For many businesses, this is truly an advantage, representing a wonderful opportunity.

But that is not the case for everyone, particularly for companies who sell a physical , tangible product. When planning to go online, therefore, you should spend some time thinking about your product and exactly who your target market is, because this will be a crucial factor in determining whether your venture is a success or a failure.

What it is that you plan to market on your eCommerce enabled website, and who will want to buy it? Some products will, by their very nature, not be totally suited to a world wide market. Pork based food products for example, will not be popular in Muslim countries, nor will wine, whisky or beer. Sales of open toed sandals may be disappointing in Iceland, Greenland and the frozen polar North.

Secondly, give very careful thought about how you will get your product to the customer. For example, if you were to make laser toner cartridges in Asia (as one of my client companies does) there is absolutely no sense in trying to sell one or two cartridges at a time to a customer in the USA, because of the cost of delivery.

So, if your product is bulky or heavy, selling outside your locale may not be practical.

Furthermore, you need to consider that, whilst most countries use the same Standard International Trade Classification (S.I.T.C) codes for deciding on how much import duty to levy on a particular product, the actual duty to be paid varies from country to country, and such variations can (and will) lead to disputes. Again, using my client as an example, they sold a consignment of toner cartridges to a customer in Finland, which got held up in Customs for several weeks on arrival in Helsinki, because of a dispute over the Import Duties to be paid.

Whilst this was not the fault of my client or his customer, nevertheless, the result was an unhappy customer, who obviously did not become a regular customer.

Likewise, if you plan on selling a service online, can that service be provided outside your local area in such a way that you still make money? Do you need to have one of your own staff actually work with the customer (in which case, you need to stay local) or can the work be easily subcontracted on a global basis? Would it be easy to find such a local subcontractor capable of supplying your advertised service in such a way that both you and the customer are happy? How much would such a subcontractor cost?

Unless you can get positive answers to all of these questions, then, again, it may pay you to keep your services local, rather than overreaching, in order to become a global player.

The Top 10 Forex Brokers Regulated In The UK

In January 2015, forex broker Alpari UK applied for insolvency after the Swiss National Bank’s surprise decision to abandon the peg against the euro. The event put the spotlight on forex brokers and their regulation, especially in the United Kingdom. In this article, we’ll review the leading forex brokers in the United Kingdom and the basics of how they are regulated.

With daily trading volume of over $5 trillion a day, the foreign exchange market, also called forex or FX, is the world’s largest market. The size and deep liquidity of the forex market, along with 24-hour trading 5 days a week, make it an appealing choice for traders. (For a step-by-step guide on everything you need to know on currency exchange see Forex Walkthrough).

However, unlike stocks and commodities, forex trading has no central exchange or clearing house. The lack of transparency in the FX market has left it vulnerable to numerous instances of malpractice and manipulation. In the United Kingdom, the Financial Conduct Authority (FCA) acts as a watchdog to ensure fair and ethical business conduct. FCA-regulated forex brokers must adhere to a number of industry standards. Of particular importance is the FCA requirement that firms keep client funds separate from company funds. These segregated deposits cannot be used as company assets if the brokerage firm becomes insolvent.
The January of 2015 event involving the Swiss National Bank (SNB) underscores the importance of using a broker that is regulated by the FCA. Totally unexpected events, sometime referred to as black swan events, can happen at any time and cause chaos. The financial markets were thrown into turmoil by the Swiss decision and a number of forex brokers suffered severe losses with some going bankrupt. Fortunately for the customers of Alpari UK, the firm was regulated by the FCA.

The following ten FCA-regulated forex brokers are listed in no particular order based on factors including financial stability, execution quality and trading platforms available. In choosing among them one might consider preferences such as markets available, execution software, and the competitiveness of spreads. (Related 5 Tips For Selecting a Forex Broker)

OANDA: The Canadian-based foreign exchange company offers competitive spreads, as low as 1.2 pips in EUR/USD. Along with their own fxTrade platform launched in 2001, Oanda offers MetaTrader 4.
Interactive Brokers: Greenwich, Conn.-based Interactive Brokers offer direct access to interbank forex quotes and operate using an Electronic Communication Network (ECN) market structure.
City Index: Established in the UK in 1983, City Index offers forex trading, along with CFD’s and spread betting. The MetaTrader 4 platform is available with added tools and features.
FOREX.com: Owned by parent company GAIN Capital (NYSE: GCAP). Operating since 2001, FOREX.com was a first mover in bringing currency markets to the retail trader.
FXCM: Exchange listed FXCM (NYSE: FXCM) offers a no dealing desk model along with competitive spreads. The firm offers trading in a wide variety of currencies including the Chinese yuan.
FxPro: Founded in 2006, London-based FXPro is an online broker offering forex trading along with CFD’s. MetaTrader 4 and cTrader trading platforms are available.
IG Markets: Founded in 1974 as a spread betting business under the name IG Index. The firm offers trading in pairs including EUR/USD, AUD/USD, and USD/JPY with spreads as low as 0.8 pips.
CMS Forex: The proprietary VT Trader platform offered by CMS Forex allows you to trade directly from the chart and provides multiple technical indicators.
ActivTrades: Established in 2001, ActiveTrades offers forex trading in mini and micro lots, a diverse product offering, and competitive spreads.
HY Markets: In business for 30 years, HY Markets provides multiple trading platforms and a wide variety of trading instruments. HY Markets a division of the Henyep Group, a global conglomerate with a presence in 20 countries.
The Bottom Line

Among the leading FCA-regulated forex brokers in the UK, the majority are actually based abroad. In many cases, this means that they are also regulated by other bodies such as the National Futures Association (NFA) in the United States. While the retail forex industry continues to develop and improve, traders must remain vigilant in scrutinizing where they place their funds for investment.

ETX Capital Welcomes Former Clients of Alpari (UK)
Having acquired the Alpari (UK) client list from joint special administrator, ETX Capital has MT4 accounts available matching that of Alpari, but including the controls and security ETX has always operated with. Click here Losses can exceed deposits.

From: Investopedia