The Internet hasn’t just allowed 24/7 shopping, booking your own holiday and finding more information than anyone could ever take in. It has also changed the way we do business and budget, the way we can take care of our own finances without having to rely on moody employees and haughty managers.
Online banking increases convenience, allowing people to access their accounts and undertake financial transactions anytime anywhere. But such convenience invariably comes with major risks. To be on the safe side, you need to be aware of the many dangers of this new technology.
Unsecured Connection
A big danger in online banking is Internet traffic. For all the convenience the Internet offers, it is still very much an unsafe medium in many respects. Any enterprising hacker can intercept traffic that passes from the online banking usersâ?? computer to the banking server using techniques such as snooping and man in the middle attacks. This risk is highest when using public Internet connections, such as a Wi-Fi account in a coffee shop. Banks overcome this inherent drawback by encrypting the traffic. As an online banking user, you, too, should take utmost care to conduct financial transactions using a secure HTTPS URL rather than through a normal HTTP URL. Do these terms sound like a foreign language to you? Then make sure to get help, as a basic understanding of Internet architecture and technology are essential for your own safety.
Targeted Attacks
The second major danger to online banking is the threat of cyber criminals stealing login credentials such as user name, passwords and account numbers to undertake unauthorised financial transactions. Cyber criminals slip in malware and keyloggers that record the activities that take place in the computer and steal data including email. The malware then sends across the data to their masters on the sly. If such data includes online banking access details, the cyber criminals can make an entry and commit transactions, bypassing the security mechanisms in place. They also launch phishing attacks that eke out information from the account holder and use such information to access the account or to authenticate transactions.
Computer viruses are common, the deployment of security mechanisms such as anti malware software and firewalls notwithstanding. Noted security researchers Trend Micro reports that 253.4 million systems may well be infected with malware worldwide â?? a staggering amount by any standards. Of special note is the deadly Zeus virus that has been doing the round recently. This virus specialises in stealing financial information from unsuspecting users and thus represents a major threat to your bank account.
Many cyber criminals send in phishing email, which may take many forms. Some emails masquerade that of the bank and ask for personal information. Others give false promises, such as a lottery won and ask for personal details to send in the prize. Needless to say, all such email contain a link and when the unsuspecting user clicks on the link, it leads to the computer being infected with malware that steals data. With mobile banking using smart phones, there is also the added risk of someone stealing the phone to access the data it contains.
Collateral Damage
Even if the individual account holder takes all precaution, they can end up as victims of collateral damage. Cyber frauds or hackavists may hack the server of a banking site or any enterprise with which the account holder has undertaken financial transaction and take away details such as account numbers and passwords. Many hackavists post such information in the public domain. Many professional hackers steal such data to hardened criminals. A few others use the details to commit fraud themselves.
Safeguards
To enjoy the benefits of online banking without suffered from a major disaster, it is important to always remain on the alert. As far as possible, access the account only from a secure connection at the home or office and from a computer with good anti malware protection. Change passwords frequently, set up instant-alert facility for notification through SMS when financial transaction takes place and do no click on suspicious email links or disclose personal information to strangers.
Also, you can start building a better financial future for yourself by taking out a guaranteed bank account. This type of basic bank account can be highly instrumental in reducing your debt, since it does not allow for overdrafts. Also, it is typically offered by new financial institutions with a better understanding of the requirements of the digital marketplace in general and online banking in particular. This understanding is put to use to increase online safety and improve your overall banking experience.
We have touched upon some of the dangers inherent to online banking, but you should also remember that the safety of new technologies is continually being improved. There was a time that 24/7 shopping or booking your own holiday online were considered extremely unsafe. Just like them, online banking is headed for a great future if it can learn from bad experiences and give customers what they want.
William Masters has carved out niche for himself in the field of finance journalism. From his cozy London office, Masters contributes to a wide range of magazines and blogs, writing about both micro- and macro-economic topics.
Top image courtesy of scottchan / FreeDigitalPhotos.net
Change is essential. The greatest change that I have found is the way  Dubai has changed itself in forms of appearance, style, traditions and social attractiveness.
So just how did Dubai grow and develop so quickly? The first human settlement in Dubai was at around 3000 BC, with the first recorded account of a town being built in the year 1799. However, the magical year for Dubai was in 1966 when oil was discovered. This was the key to rapid growth and an explosive boost to Dubai’s economic standing.
The vast changes in the artistic way of leading a life in exotic ways are one of the major things that you learn while on a trip to Dubai.
My office colleagues have come back with the experience that Dubai is the best place for those who want to go out with their family or with their friends. There is an unmatched reputation that Dubai has built upon in its own way by adding that special something special, even to the comfort levels of laymen. When these sorts of luxuries, comforts and vanities are experienced, the stresses of life ease off for a while.
The different styles of keeping yourself busy with a vivacious style of fun are an attractive part of it. Boats are available to rent that can be used for a boat ride. The flow of water and the crew in between makes the scene indeed vibrant and enthralling. The cool salt spray of water splashing upon suntanned skin and the family fun and bustle â?? is someting you enjoy and remember forever. Also, the Yacht Charter is available. The cruise, set in the finest ambience and with varied services have added beauty to the whole scenario. Yacht Rental Dubai is an essential element for those who are luxury seekers. Internationally, there are many companies who offer services like Yacht Charter, Boats facilities, Helicopters etc. The crewed Luxury Yachts, super Yacht, sailing Yacht, Catamarans etc are the added varieties that are famous across the globe.
Art has developed in Dubai in a fantastic way. The style of ethnic wear, designer wear and the appearance have changed. The fashion and trend is changing all the time with the fast pace in Dubai. Yacht Charter in Dubai has become a mark of identity for fun lovers. In a life that is filled with stress, anarchy and conflicts, this becomes a boon. The perfect way to release your stress busted life and take a break is by planning a trip to Dubai. One visit to Dubai and the stress ebbs away. Many people from across the globe travel to Dubai for the very reason of enjoying both fun and luxury.
The best part is that the acceptance level of people is amazing. People are ready to accept change very easily. As compared to many other countries in the world, people take time to get used to the cross-cultural links and the changing streams. Happiness is spread around like a bird flying with an enlightened spirit. Acceptance of people visiting from other countries is natural for people staying in or near to Dubai. Perhaps, this is the secret of the vast popularity of Dubai now spreading across the world.
Authorâ??s Bio
Nadia Quraishi
I am Nadia Quraishi, Team Leader at one of the leading Dubai based Travel company which specializes in Boat Rental Dubai services. I am also a Web Enthusiast and blogger who loves to write about travelling experiences.
The rule of thirds you’ll see used in almost every TV show, commercial or movie you’ll ever watch.
The ‘rule of thirds’ comes from the Fibonacci numbers that occur in nature, a mathematical series of numbers occurring in plants,trees, animals and even pineapples.
The Fibonacci numbering system that is seen in many aspects of nature, if explained in depth would require a very long article dedicated just to this fascinating subject. So, if you want to find out more about the Fibonacci numbers just click the highlighted link to read more.
The rule of thirds is a ‘rule of thumb’ guideline to producing better looking video or photographs. It’s pretty simple to grasp and makes a big difference, so let’s get on with the explanation of how to put the rule of thirds into practise.
Divide your image into three using imaginary lines horizontally and vertically and pay attention to where the lines intersect. See the diagram below:
Let’s say for argument sake that this is the view you are looking at in your video camera’s viewfinder. Your eyes are naturally drawn to these four intersecting points and when key compositional items are placed on these four points (sometimes called power points or crash points) you find it pleasing to the eye.
Why? You might ask. Who knows? I don’t even think that Fibonacci understood exactly why this strange mathematical equation works so well. Let’s just say that this technique mimics natural patterns and enhances your work. In fact, if you use the rule of thirds as much as you possibly can it will enhance your work a lot.
Here’s a picture of several different landscapes. Which one looks more interesting to you? The one on the right of course. This is because the photographer was following the rule of thirds for the right-hand photo. This is what the picture looks like with a grid overlaid:
It doesn’t have to be a landscape scene. It could be person, where you might want to position the eyes on one of the intersecting points to add effect, or it could be an object. Experiment with this technique, as it is not an exact science, just try to roughly work in the rule of thirds naturally, without measuring anything, and your creative works will look much better as a result.
Most people when they begin photography or filming tend to place everything in the centre of the picture. This is fine for family snapshots of course, but if you want to take interesting and beautiful looking photographs or video footage it pays to get comfortable with this technique.
Have fun with this technique. This method can even improve artwork and most creative works in general. Hard to understand the reasons as to exactly why it works, but it’s as easy as pie to implement. Enjoy 🙂
The continuing dispute between China and Japan over the future of a group of small, uninhabited islands in the South China Sea is rumbling on.
The Senkaku Islands as they are known in Japan were recently bought from a private owner by the Japanese Government.
The Chinese claim that the purchase of the Diaoyu Islands (as they are known in China) is a violation of their ancient, â??sacred territory. The diplomatic row has already nearly led to an out-and-out naval confrontation between the two East Asian powers, which reached such a critical level that the United States Government was forced to step in on the side of its ally Japan.
The news media has puzzled over why a group of insignificant, unpopulated and commercially useless islands should have sparked such a potentially disastrous argument between the two countries. The general consensus amongst analysts seems to be that the potential existence of rich submarine deposits of both oil and natural gas have sparked the interest of both countries. A U.N. survey conducted in 1960 highlighted the possibility that the territorial waters of the disputed island group were likely to be harbouring considerable fossil fuel resources.
The ongoing dispute with China over the Senkaku Islands is not the only energy-resource-based argument the Japanese are currently engaging in. The country has also fallen out with Russia over the ownership of four islands within the Kuril group, a chain of land masses that lie in the North Pacific between Japan and Siberia. The Soviet Union took control of the four islands in question during the chaotic aftermath of the Second World War.
Although Japan signed a treaty in 1951 renouncing its claim over the Kuril group of islands, it has subsequently claimed that this renunciation did not relate to the disputed territories, which it never considered to be part of the group.
As with the disagreement over the Senkaku Islands, it seems the dispute between Japan and Russia over the Kuril Islands is most probably motivated by what lies beneath the surrounding oceanic waters. The coastline of the four disputed islands is thought to harbour massive underwater reserves of oil and natural gas. Both countries have designs to use these natural resources to answer the demand for more energy resources amongst their domestic populations.
Itâ??s not just the Japanese who are currently engaged in a sovereignty dispute relating to energy-resource rich islands. The row between Great Britain and Argentina over the ownership of the Falkland Islands has recently reignited. The Argentine Government has been complaining loudly about British plans to survey for natural gas and oil in the coastal waters of the South Atlantic island group. The South American nation claims that any attempt by the British to access and use fossil fuels found in the Falkland Islands would represent a theft of their sovereign energy resources. Conversely, the British believe that under international law any energy resources found in the waters of the Falklands belong to the islanders and the United Kingdom.
A single dollar canâ??t buy many things today, but you can certainly do many cool things with an extra $50 in your pocket.
From leisure activities to frugal purchases, you can certainly have a good time spending $50.
If you have some time to spare, check out 25 awesome ways to spend $50.
1. Go on an IMAX date. If you purchase two IMAX tickets, popcorn, and drinks, $50 should be sufficient. Watch a summer blockbuster before the season ends.
2. Give it to charity. Several local and national charities would do wonders with your contributions. You will not only get to help your community, but you will also feel good about helping others.
3. Buy gourmet groceries. Go on a shopping spree for special or gourmet items to indulge your taste buds. Make a nice meal with a product that you always wanted to try before.
4. Get new clothes. Check your wardrobe for new items that you might need. Shop for the fall season and get into the new fashion trend.
5. Purchase a bus ticket to visit relatives. Travel with Greyhound to nationwide locations to visit friends or relatives at affordable prices.
6. Buy tickets to a special event. Check for a concert or sporting event of your liking.
7. Send a loved one a present. Make a loved one smile with a surprise gift. Simply show them how much you care.
8. Fund a project. Check out local start-ups to assist people in need of funds to make a new product or service. Who knows? Maybe the new product will prove to be the latest trend.
9. Book a staycation. Book a nearby hotel to spend a night away from home in a fun way.
10. Get a professional home cleaning service. Why bother cleaning your home when you can pay a professional to leave it spotless?
11. Go to your local spa. Get a facial, massage, or special treatment to reduce stress.
12. Splurge on a new book, DVD, or video game. With $50, you should be able to buy more than one book, DVD, or game for extra fun.
13. Take advantage of a daily deal. Check online stores for daily deals to purchase something special at a great price.
14. Build up a savings or emergency fund. Itâ??s never enough or too late to build up a savings or emergency fund, which can come in handy later
15. Detail your car. Get your car some professional treatment for a new look.
16. Get some web apps to your smartphone. Check available apps to upgrade your Apple or Android phone.
17. Fill up your gas tank. It always feels good to have a car full of gas.
18. Purchase an emergency kit. Consider preparing against natural disasters or personal injury with an emergency kit.
19. Play in a social sports league. Leagues usually cost less than $50 to join. You can play bowling, kickball, dodge ball, and other games for your entertainment.
20. Go on a home date night. Browse through your cable options like Pay Per View or Video on Demand to stay at home watching a favorite movie. Buy some snacks and drinks to fully enjoy a date night at minimal cost.
21. Renew a subscription. If you have a membership or subscription to a magazine or club that have expired, consider renewing the service to check what youâ??ve been missing.
22. Help a local school by buying supplies. Many schools have kids that need to raise funds to buy their own educational supplies. Check out local schools that would assist students in need.
23. Get a massage. There any many professional massage therapists that can reduce muscle strains and overall body stress with a massage.
24. Do Home Improvements. You must have some small home projects pending. Get some new lighting fixtures or do some repairs to improve your home with $50, as an example.
25. Do something that you have never done before. Check out a new show or restaurant. Try new things that you wouldnâ??t do otherwise.
Even if $50 canâ??t buy many products or services, thereâ??s plenty that you can still do. Try new or favorite things to fully enjoy your extra cash. Add a few things on your own for many more options to consider.
This article is provided courtesy of Credit Season, a consumer finance website providing information and tools on personal credit services.
What follows are some tips on how to create tension and suspense in movies.
I am creating an indie movie at the moment and these are tips I’ve found after trawling various resources, including Hitchcock tips and tips from various other sources. I’ve weeded out the weak tips to give a list of some of the strongest tips possible.
1) Stalling
Keep unanswered questions whirling around in your audience’s mind. Don’t immediately give an answer to a mystery. Instead, delay the answer to build tension in the viewer’s mind by leaving questions temporarily unanswered.
Example: In ‘Cabin In The Woods’ you see a research facility, but exactly what part a research facility will have on a group of friends’ camping trip isn’t answered until 30 minutes into the movie.Â
2) Unexpected Twists
Never have the plot or ending unfold the way the audience expects. Add unexpected twists to the plot and shatter your audience’s confidence in them being able to predict anything correctly in your movie.
Example: In ‘Alien’ the fact that there is a synthetic aboard comes as a surprise to the audience and the main character after an action instead of the fact appearing in dialogue.
3) Show Dangers To Your Audience In Advance
Focus on and show any dangers not yet seen by the characters in your story. Show the danger at the beginning of the scene before whatever it is does any harm to your character. Focus back and forth to that object a few times. Put the stress in your audience’s mind first. They will be unnerved that they can see it but that the character is unaware.
Example: In ‘Jaws’ the audience sees the shark fin and the danger approaching whilst the swimmer remains unaware.
4) Have Several Events Happening Simutaneously
Whilst something nail biting is happening, mix it up by having something trivial happen to interrupt the focus of the character on the important event. For example, if a character is in the middle of disposing of a murder weapon, have an old friend call by.
Example: In ‘Savages’ the two main characters have to deliver a shipment of drugs, but a police car behind them puts on his siren, then overtakes them to go elsewhere.
5) Using Time
Have something happen that is time critical in a scene or running through the plot. Such as a murderer trying to open a door whilst the character is trying to find a way out through the back window which is stuck fast.
Example: In ‘Taken’ the main character has to find his daughter before she is shipped off into danger.
6) Breaking Cliches + Unexpected Behaviour
If it’s a drug baron, don’t have a tattooed Mexican with a moustache for a drug baron, have a pianist who is good with a knife instead, for example. Something out of the norm and not a cliche character. Also, have your character behave in ways not expected by the audience. For example, having a serial killer who injects humour into his crimes, or a hit man that is apologetic and sympathetic up to a point.
Example: In ‘No Country For Old Men’ the killer never shows any aggression emotionally but kills in a calm, precise and matter-of-fact way.
7) Don’t over-complicate the story
If the plot is complex and difficult to grasp, your audience will be concentrating on trying to work out what’s going on, rather than focusing on tension and suspense.
Example: In ‘The Grey’ the plot is simple: after a plane crash they must survive against a pack of wolves. Leaving the audience to soak up the atmosphere and situation instead of trying to keep up with a complex story.
8) Show Emotional Reactions Close Up
When there is an emotional reaction, go from a wide shot to a close up on an emotional reaction. This will startle the audience and also make the emotion dominant in the scene.
* Start with a close up on your character.
* Then cut to whatever they are focusing on.
* Then cut back to your character to show their emotional reaction.
* Repeat these three steps as many times as needed.
The audience will never tire of this method as it builds tension and draws the audience in.
9) Reactions Not Dialogue
Wherever you can, don’t have the speaker spout a load of dialogue about how they feel. Have an event happen, then go close up on the character to get their reaction emotionally. This speaks louder than words and is more powerful than dialogue explanations.
Example: In ‘Saving Private Ryan, when the German soldier had a knife coming closer to his victim, close ups of the characters and strange emotion is involved instead of the two characters chatting away to each other, which made the scene disturbing. The German soldier makes strange ‘shushing’ sounds as rocking him to sleep which was bizarre, different and a genius when it comes to contrast.
10) Distractions In Dialogue Scenes
Have the character distracted by something in a dialogue scene, however major or minor it might be. Such as when noticing someone’s hand is shaking when they otherwise appear confident. Or a suspicious character sat behind them.
Example: In ‘Savages’ when they negotiate with the rival drugs gang, the character’s attention was half upon the snipers that he had positioned to cover them.
11) Divide Action Shots Into A Series Of Close Ups
If you have a fight scene for example, rapid close ups of key parts of the fight, such as a knife being drawn, the knife getting closer to the victims eye and a close up of the eyes of the attacker, then of the victim’s eyes is far more effective than shooting it entirely with a wide shot. Parts of the action can be hidden from the audience this way to either keep them guessing or to add a twist. Such as a fight where the victim looks past the first attacker and at the ending a second attacker is shown standing over them at the end – perhaps someone totally unexpected. The attacker’s daughter with a loaded shotgun perhaps.
Example: In ‘Taken’ when his daughter is taken there are close ups of her trying to make a phone call under the bed where she was hiding and just a shot of the aggressor’s shoes and his voice. Leaving parts of the struggle up to the viewer’s imagination and leaving space for her father to examine damage done to the room to try and figure out what happened later on.
12) Use Your Audience’s Imagination
Just like the famous ‘Psycho’ shower scene, show violence in quick, edited and stressful succession, but don’t show all the violence. Your audience’s imagination will think up of more horrific things than you could ever produce. The same goes for ghosts; how often has a ghost movie really gripped you until you actually see the ghost? No doubt the ghost in your mind was much more scarier than what the movie producer’s horror make up or special effects department came up with.
Example: In ‘Jaws’ you don’t see the shark or the shark biting the victim half the time. You only see through the shark’s eyes and a blood bath with screams, leaving the grisly details to the viewer’s imagination.
13) Stir Up Your Audience’s Emotions
If your audience identifies with a character and feels for them they become drawn in as if they were a part of that character. In ‘Psycho’ a violent scene was shown early on to build tension in an already shocked audience as to whether this kind of violence would happen again in the movie.
Example: In ‘Fight Club’ you identify with a vulnerable character being taken in by a wayward character and feel sorry for him. Up until the point where you realise that the two characters are in fact the same person.
14) Using Slight Doubt
Don’t answer a plot question as cut and dried. Always leave a seed of doubt in a grey area. For example, if one of the characters committed suicide but didn’t leave a suicide note, this would leave the question of whether it was in fact a murder and not a suicide as a possible factor. Make it subtle however, as your audience will get annoyed if they are bombarded with obvious red herrings. Subtlety is the key here.
Example: In the classic 80s series ‘Sapphire & Steel’ they always appear to be doing someone a service, but you never quite trust them. I can’t even put my finger on why I never trusted them, but this made the series so popular. It’s still a creepy series today because of this fact.
15) Using Immediacy
Having something that really needs to be done or a question that really needs to be answered will add tension. For example, if a laid back detective is looking for a killer it’s not that gripping. However, if the detective has some personal connection with the killer and feels it’s his duty to find him as soon as possible, it creates immediacy which rubs off on the audience. Having dire consequences sure to happen if your character does not reach their goal, such as a victim dying if not reached in time etc. This will make the immediacy even more heightened.
Example: In ‘Total Recall’ the character really needs to find out his true identity because his sanity depends on it.
16) Build Expectation
Make sure the audience knows that something is going to happen most of the time and then delay that event and focus on suspense leading up to it. For instance, if there was a ghost in a bathroom, have the shower mysteriously turn on first and the character slowly walking to open the shower curtain. The audience know something will happen, but the tension leading up to the event will create worse pictures in their mind’s eye. Remember that the audience’s imagination will always be more powerful than anything on screen.
Example: In ‘No Country For Old Men’ the killer turns up at a gas station and questions an old man who the audience identifies with as a nice guy. He flips a coin and you are expecting it to be heads for a kill or tails for a no kill. In the end, nothing happens but the tension build up is genius.’
17) Have An Strong Enemy
Have a strong enemy that your character must go up against. Make sure the enemy is a lot stronger than the character to create tension. Have your character figure out a way to defeat that enemy only at the very end. In fact, make it look almost impossible for your character to defeat the enemy to start with.
Example: In ‘Iron Man 1’ his partner creates a suit that is bigger and stronger than the one the character has built and you are left wondering just how he will defeat his enemy.
 18) Conflict & Contrast
Create conflict and contrast wherever you can in the movie. Such as the character going up against opposition or being confronted with dilemmas etc.
Example in the new ‘Total Recall’ movie the character’s wife and friends disagree with him going to the have memories implanted, but the character goes against this.’
19) Close Ups Of Importance
If there is something important in the movie, be it an old book on the desk, or a sword about to be picked up, show it as a close up shot to make sure your audience sees it first. That way, in the back of the audience’s mind they will think ‘That’s going to come into play somewhere along the line here, I wonder how?’ and they will know the object and it will feel more real to them. If they are not familiar with the object, tension may be thwarted by the viewer thinking ‘What is that, oh, it’s an old book I think’.
Example: In ‘Iron Man’ when a missile lands close to him it is shown up close as having ‘Stark Industries’ written on it. This is much more powerful than having the character say something like . . . ‘Oh no, it’s my own missile!’
20) Unfairness
Have something completely unfair pop up at least once in the movie. If possible, against a character that the audience is rooting for and identifies with. You could have  a character lied to, double-crossed or ripped off for example. This builds up tension in the audience as they will really want to see the tables turned and for the character to eventually gain the upper hand. Make sure your character gets revenge, as otherwise your audience will retain that stress after the movie ends and be disappointed at not seeing good overcome bad. They may even hate your movie because of it.
Example: In ‘Savages’ the Mexican drug lords’ henchman does not get his comeuppance. This left me feeling disappointed as I wanted to see that evil guy get a taste of his own medicine. It didn’t happen . . . and that didn’t leave me with a feel good feeling when I left the cinema. So if you plant unfairness into your audiences mind, make sure it is resolved before the final rolling credits.
Most kids who start of learning an instrument do so in the privacy of their own bedroom, or at school. There comes a point where strumming chords or playing along with favourite albums isnâ??t enough, and many people who want to take their playing to the next level want to form a band or group with like-minded people and start playing music and performing in public.
Some are lucky and have a wide circle of musical friends who are keen to start a group too. But what do keen electric guitar players who havenâ??t got musical mates do?
Music Shops
Before the days of the internet, the local music shop functioned not only as a retail outlet but also as somewhere that musicians came together and met each other. It still has this function today and most good shops will have a noticeboard where musicians can post wanted adverts, sale adverts or offer tuition. This can be a great way of making contact with other people who are interested in the same style of music as you are, but it can be hit and miss to find some people who you click with and can form a long lasting relationship.
Internet
There are literally millions of websites out there devoted to music of all types, so it might take quite some time to find the website which is most relevant to your type of music and your geographic area. Many of the websites have forums, and this can be the ideal way to make contact with local people who are playing and performing music. Even if you canâ??t find anyone who is interested in joining a band, they may have good ideas about places to look for musicians. There are also free advert websites such as Gumtree which allow you to post wanted adverts for any sort of musician. When posting online beware of the security aspects of advertising name and address, and if arranging to meet a stranger ensure you meet for the first time in a public place or have someone go with you to the meeting.
Venues
Larger towns and cities will have a good selection of different pubs, clubs and concert halls all hosting various types of music events. If you are particularly into a heavy metal for example, go along to the venue which hosts these sorts of band nights and try to meet people who are into that sort of music too. Get chatting to amateur bands who are performing, as one may have an opening for an electric guitar player, or will know of another local band which does. Many of these establishments are over 18s only which can make it difficult for younger teenagers to make contact with musicians, so younger people may find it better to form bands with school friends or siblings to get a bit of experience initially, and then explore other opportunities as they develop in skill and confidence. Playing in front of a paying audience for the first time can be daunting, and may not be for everyone.
Peterborough Music offer a great range of electric guitars for budding musicians and established artists alike.
Purchasing the dream home is an achievement for most of the people who are not financially strong; they usually do so by taking a mortgage. But paying off the mortgage is the major thing which should not be delayed.
Repaying the amount faster will save your money which can be used for other things. For the home owners to become debt free the only option is to repay the amount as early as possible.
Tips to pay your mortgage faster:
Biweekly payments: The benefit of choosing biweekly payments is that it reduces the repayment duration. You can pay the amount for every two weeks which reduces as it helps to make extra payment per year.
Processing time will be reduced: payroll process includes summing up all the wages, compensation overtime pay and deductions. This is a time consuming task. So paying the amount biweekly helps in reducing the employee burden
Storage data will be decreased: Biweekly payments generates less documents .All the reports such as check registers, cost reports and other important documents will be reduced by fifty percent when compared to the original forms
Increase payments: Paying huge amounts on monthly basics will help in retaining your home as soon as possible. If you are capable of paying the extra amount inform this to your lender. Ways to increase payments
Stop spending on unnecessary things
Increase your savings
Keep a payment calculator for your budget
Check where your money is going
Finally donâ??t get attracted to the things which you canâ??t pay
Keep an eye on your ratings: Interest rates changes from time to time. So refine the mortgage whenever the interest rate goes low.
Keep a regular check on bank sites. Lending companies displays the details of the changing interest rates
Check the financial sector in the newspapers. Many journals publish the income rates on credit cards; assets loans etc. have a look on such journals
Consult the lender to apply this interest changes on your amount which reduces the refund costs
Plan for RRSP: This reduces the amount of tax to be paid. You can refund the amount on your mortgage besides planning for a healthy retirement. You need to make an agreement with the bank lender to choose this strategy. Benefits of RRPS in paying off the mortgage includes
Reduces the interest to be paid
Investors have the flexibility of changing the rates
Helps in refunding the amount in risky situations
You need to have enough amounts in your RRSP, and then RRSP can lend your fund instead of banks.
Reliable return on investment rates
Plan for high payments: Single large payment paid at once has a great significance compared to frequent overheads. Most of the lenders allow you to pay lump sum amounts. If the investor doesnâ??t agree for it then start saving your amount until the mortgage finance is renewed.
Payday loans: In any particular month if you fall short of cash and are unable to pay the amount for the mortgage then you can opt for payday loans; after the loan approval the amount will deposited in your bank account within 24 hours.
About the Author:
The guest post was contributed by Alicia, financial guest blogger from Manchester, UK. Find out more about her finance related blogs at financeport
The most complex of situations that exist in oneâ??s life, arise out of human relationships. Very often, they start and end because of a union of two people of the opposite sex, who could foresee a better future for them.
As seen in a few cases, these bonds break due to various reasons. Past that, some carry the baggage of a relationship with them, and some donâ??t.
The latter happens when one is caught in the web of still having feelings for the opposite person. â??I still havenâ??t moved onâ?, is a common statement given at that time. When this happens, the person tries to keep a constant check on the â??Exâ??. Call this being overly protective, or just plain narrow mindedness and jealousy, but the truth is, this happens.
So constantly checking his/her Facebook profile, and feeling bad about him/her making new friends or socializing etc., all start affecting the weaker person in the relationship. The most common thing an Ex does in such cases, is that he/she starts calling the other person again and again, either to apologize or to creep back into their life slowly and steadily. If shunted out or ignored at that stage, an Ex tends to call from different numbers, and soon, this turns into harassment.
So what are the ways in which one can find out if their Ex is calling them from different numbers?
Seek Help of the Service Provider
It is quite common, and very easy, for a person to purchase extra numbers from a cell phone service provider. Luckily, the company always has a record of the number of registered customers with them. All one needs to do is simply save those numbers, call or visit the service provider from which the calls are being received, and file a complaint. The company then provides the details of the Owner or Subscriber of those numbers, right away. This way, one can find out the truth instantly.
Act Prudently
Acting prudently is important. All one needs to do is check the time duration, in which these calls are received. One can observe a certain pattern, wherein the time gap in which one can possibly change a SIM Card and call from the other number, becomes evident and obvious. Through this way, one can form a judgment that itâ??s the same person making calls from different numbers. If using a smart phone, then there are several different applications available, via which one can simply feed the number and find out the details of the caller. This method may not be foolproof, but any help is good help in times of need.
Go Back To The Books
If nothing helps, this surely can. Most cities and towns have a consolidated record of all wired and unwired phone connections. In simpler terms, a Directory exists everywhere. These directories have numbers and the ownersâ?? names printed in them. An Ex may commit the folly of making one of those annoying calls from their personal landline connection, and these directories can help identify that.
Thus, in these ways one can find out the truth, about who has been calling them, and from what location. An Ex can be a torture if he/she is the pestering or the needy kinds. Itâ??s best to expose them, and get rid of all problems.
This guest post is contributed by Danny Hopes who provides effective business management tips. Check out the Reverse Cell Phone Search Service to keep a check on all the calls made on a particular phone.
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