There are, however, plenty of simple ways to make significant savings on your regular spending that could clear your debt - or boost your savings - in less than a year. This is Money's top 50 - updated - money-saving tips may appear light-hearted but are deadly serious. Choosing the right DIY platform is crucial but a wealth of choice and changes to charges have left many investors scratching their heads.
We pick some of the best. We also highlight why investing in an Isa makes sense, as it should protect your hopefully growing investments from tax forever. We asked trusted experts to recommend the best funds that cover different investment sectors - and included This is Money's selection of active and passive options too. Rightly or wrongly, some people simply want a quick, straightforward route map to investing in an Isa.
To that end, this is our distilled guide to getting started. The amount you can save into a pension ultimately depends on what you can afford - but the longer you leave it the more you will need to save. We tend to put ambitious targets on our hoped-for income in retirement and then underestimate how much we will need to set aside to achieve that. So how much should you save. Making the most of a pension is your best chance of securing a decent income when you retire.
We explain what you need to know. Even at a time when we are stretching our finances further to afford a home, moving less, and pushing mortgages beyond 30 years, we still remain captivated by two-year fixed rate deals. The Bank of England has raised the base rate back to 0. The move up from 0. Expectations are that rates will not move up swiftly after this first rise, This is Money will bring you the details of the Inflation report and analysis imminently.
Borrowers are being offered a raft of cheap fixed rate mortgages as lenders attempt to lure them into remortgaging or buying a home.
But HSBC has decided to buck the trend and launch a new rate mortgage that is a tracker instead. We pick out the best fixed and tracker rate mortgages and look at what next for rates. For many buy-to-let looks an attractive income investment in a time of low rates and stock market volatility. Climbing house prices, rising rents and improving mortgage deals are tempting investors - although they will need a big deposit.
Read This is Money's top ten buy-to-let tips Compare your pay to the national average and see whether your employer treated you to a pay rise in line with the the rest of your profession.
Farmers, care and air travel assistants were big winners on the pay scales in 2016. Travel agents, careers advisers and probation officers lost out.
Assumes interest calculated annually. Enter the amount you can afford to pay monthly (eg. Listen to the This is Money podcast Tackle your own temptations. Five of the best current accounts Energy bills: Could you cut save by switching.Attempts to quit or control his participation in the games appear to be unsuccessful.
When limiting his participation in gambling, a person experiences irritation and disappointment. The game is a way to escape from problems or discomfort. The player tries to win back the lost amount,7. Lies about his playing behaviour,8. Spoils or breaks the relationship with family and colleagues,10. Borrows to participate in the games. Rules for responsible gamesFollowing the rules placed below, you can enjoy the game without anxiety:1. Start playing only when you are calm and concentrated.
Define for yourself beforehand the monthly amount you can spend on the game. Once setting a maximum limit, do not further increase it. Before you start playing, define the maximum amount of winning, after reaching of which you should stop playing.
Define the amount you can afford to lose beforehand. Do not start playing under alcohol or drug influence. Do not start playing in a depressed state. Abandoned or postponed matches are void unless rearranged and played in the same NFL weekly schedule (Thursday - Wednesday local stadium time) except for those bets that have already been determined at the time of abandonment or postponement.
If a match venue is changed, bets already placed will stand providing the home team is still designated as such. If the home and away team for a listed match are reversed, then bets placed based on the original listing will be void.
In 2-Way markets Push Rules apply unless otherwise stated below. All NFL match markets and pre-game props will be settled according to game stats on www. Subsequent amendments do not affect settlement. Double Result - Predict the result at half-time and end of regulation time.Encourage your children to help plan, prepare and pack their own lunches.
They're more likely to eat a meal that they've helped prepare. Involvement in meal preparation also teaches them where their food comes from, and it provides them with the confidence and skills they will need to prepare food for themselves later in life. Younger children can cut fruit or make their own trail mix from a selection of healthy items such as raisins, dried apricots, sunflower seeds, whole-grain cereals, and pumpkin seeds.
Email: View or print our FREE Waste-free Lunch Pamphlet: The Waste-free Lunchbox Tips for Parents It has been estimated that on average a school-age child using a disposable lunch generates 67 pounds of waste per school year.
One of the most critical periods of the process is the follow-up after purchase: making your customer feel like they've made the right choice as soon as they've bought from you goes a long way to developing your relationship with them. In this regard, we have a lot to learn from a service position that you might not expect: waiters and waitresses. Not only do they interact directly with the customer, research has found that their "follow up" (post purchase) actions can greatly effect the customer's perception of their service, and accordingly, the tip that they leave them.
In a study published in the Journal of Applied Social Psychology, researchers tested the effects that mints had against a control group, where no mints were given, in order to measure their effectiveness in increasing tips.
The first group studied had waiters giving mints along with the check, making no mention of the mints themselves. The second group had waiters bring out two mints by hand, and they mentioned them to the table ("Would anyone like some mints before they leave. The last group had waiters bring out the check first along with a few mints.Progress Bar in Excel Cells using Conditional Formatting
A short time afterward, the waiter came back with another set of mints, and let customers know that they had brought out more mints, in case they wanted another. At first glance, the last two groups seem very similar: two mints per-person were brought out, and the waiter mentioned them. In the last test, the only difference was that the waiter brought out the second set of mints after some time had passed, and mentioned that they had done so in case the table would like some more. The post-purchase follow up with genuine concern for the customer ("I thought you might like more mints.
It was the surprise and the perception of the waiter's willingness to follow up post purchase that made customers so happy. That first purchase is especially critical, and the process of creating supporters out of customers doesn't just end with making a great product. Given what we know about the power of following up, what can online businesses do to create a similar kind of customer satisfaction that waiters were able to do with mere mints. Obviously that follow up freebie (chocolate mint or otherwise) works very well, but what kind of follow-up can be offered.
If a simple mint can do this for customers who just paid for a full meal, you can definitely offer some value for free post-purchase, no matter what you're selling.
Don't miss our free resource consisting of 75 customer service facts, quotes, and statistics. Consider it our free mint to you. How might you use follow up "freebies" in your business to increase customer satisfaction and retention post sale. PS: Might we offer you a free e-Book consisting of 75 customer service facts, quotes, and statistics.
Join 76,547 subscribers and get an original essay twice a week. When it comes to customer service, small changes can have a big impact. The results were surprising to say the least.
So, what was different. Personalization is Powerful In the last test, the only difference was that the waiter brought out the second set of mints after some time had passed, and mentioned that they had done so in case the table would like some more. Researchers concluded that this "personalization" aspect was what triggered the increased tips. Good to know, because it means that it's applicable to businesses outside of restaurants. From Buyers to Brand Supporters First impressions go a long way.
Some of my favorite examples: Free product training and support (includes things like access to a private forum) Free widget or guide that is product related (and not mentioned on the sales page) First time buyer bonus (can literally be anything semi-related) The takeaway is that appreciation doesn't have to be a grand gesture. The goal is to end the experience on a high note, confirming their purchase as the right decision. What are you thoughts on the finding in this study. We'll see you in the comments, and thanks for reading.
As long as they fine tune their target audience and select their influencers well, B2B firms regularly use influencer marketing to attract more visitors to their websites and convert these to increased sales. In some ways, B2B businesses find influencer meeting to be a new form of networking - just this time they do not get to stand around a bar, telling their stories to anyone who will listen.
One change that may happen in 2017 is there being an increase in influencer-created content. Brands may not have as much control over such content as they do with their own posts, but they are beginning to recognize that influencers know their audience best, and have gained their reputations with these audiences for a good reason. As with much in business, many firms now realize that is often best to stand back from micromanaging and let the experts get on with what you are paying them to do.
One area that has held the rise of influencer marketing back has been the fuzziness of its metrics. There is no black and white clear cut way to measure the success of an influencer marketing campaign.
There is a push for there to be more reliability and consistency in the reporting of results. It is likely that the parties will move away from using traditional measures and focus their reporting on the engagement of content. In one sense celebrities had an advantage over other influencers - nobody truly believed that celebrities were promoting a product out of the goodness of their heart, and thus nobody expected celebrities to be totally authentic.
Niche micro-influencers, on the other hand, have gained their following because of their authenticity. If they try to push a message that clashes with the way their audience thinks, they are doing so at their peril. A food blogger, who normally promotes the vegan lifestyle, would not match well with a brand like McDonald's, who are renowned for their meat-based burgers.
Brands realize this, and 2017 will see more care taken as they try to build up suitable relationships. It also means that influencers who keep their special relationship with their audience untainted are likely to be seen as premium influencers who will be able, in turn, to charge premium rates and handpick the brands that they want to work with.
Social media is truly mobile nowadays. There are now more mobile internet connections than there are desktop ones, and indeed Google has already announced that their mobile search index will take priority over their desktop one at some stage this year.
In some cases, store displays change to match the consumers in their proximity. These messages will probably demonstrations to the consumer on how the products directly in front of them can provide value to them. Brands will most likely only trial this in 2017, but it will become more ubiquitous as time goes on.Barcelona - Spanish La Liga and you can increase your betting winnings. Valencia is one of the genuine giant killers in Spain as they have a reputation of humbling the biggest teams in La Liga.
Dortmund vs Tottenham predictions for their UEFA Champions League - Group H match at Signal-Iduna-Park (Dortmund) on Tuesday 21 November 2017. Dortmund vs Tottenham Match Date: 21 November 2017 (local time) Venue: Signal-Iduna-Park (Dortmund) Arsenal vs. AS Roma v Chelsea Match Date: 31 October 2017 (local time) Venue: Stadio Olimpico (Roma)Todays Betting Previews - betxpert. Get our Over 2. Our tips and predictions are made by professional punters and can bring significant gains. Sports betting can be a way to win.
For most people, betting is only one way to relax, a distraction, but there are people like you who see sports betting as an efficient way to invest and gain profit. With the tips that we offer daily your profits will increase considerably. Place a pre-match accumulator with bet365 of 3 or more selections combining teams in any of the above competitions, and if successful the relevant bonus will be added to your returns.
NORTH AMERICA: This site may not be used by visitors from North America. By choosing to bet with an affiliate, you take sole responsibility to ensure that betting is legal in your jurisdiction. We do not take responsibility for the content of any third party links on this site. Betting tips, guide and advice online can be found at ukbettips. Bet on sports, soccer and horse racing with the free betting tips, join our community and win. Learn betting strategy with news and free betting tips.
These betting tips are based only on our own knowledge and detailed analysis. Our proposed betting tips are just a basis of thinking that can guide you towards the correct conclusion and better performance in the world of betting. Sunday's Best Betting Tips 03. Predictions and Tips for 30. Value bets of the day 29.This is because the odds on display are not fair odds. The bookie has a built-in edge here.
According to a study published in the Journal of Gambling Studies, the more hands a player wins, the less money they are likely to collect, especially with respect to novice players. According to the research, multiple wins are likely to yield small stakes, for which you need to play more, and the more you play the more likely you will eventually bear the brunt of occasional substantial losses.
Here, behavioral economics comes into play.
In both cases, it is not rational or statistical reasoning but the person's emotions and the high of a win that lead them to play further.
Everything including the game rules, music, controlled lighting effects, alcoholic beverages, the interior decor is carefully planned and designed to the house's advantage. The house wants you to stay and continue playing. All the games offered by the casino have a built-in house edge, although the house advantage varies with the game.
Moreover, novices find it particularly difficult to do cognitive accounting and misjudge the variance of payouts when they have a streak of wins, ignoring the fact that frequent modest gains are eventually overweighed by infrequent significant losses. Gambling: Where Is Your Money Safer. A betting opportunity should be considered valuable if the probability assessed for an outcome is higher than the implied probability estimated by the bookmaker. Furthermore, the odds on display never reflect the true probability of an event occurring (or not).
The payoff on a win is always less than what one should have received if the odds had reflected the true chances. If one wants to work it out by themselves, they could refer to the table below: Converting Odds to Implied Probabilities Here comes the more interesting part: converting the aforementioned odds to their implied probabilities.
Hillary Clinton (odds: 2. Australia (odds: -250) to win the 2015 ICC Cricket World Cup is 71.
Why Does The House Always Win. The Bottom Line A betting opportunity should be considered valuable if the probability assessed for an outcome is higher than the implied probability estimated by the bookmaker.
So, if you are planning to enter the betting or the gambling world, it. Understand how a casino has a number of built-in advantages that insure it, and not the casino players overall, will always come out a winner in the end. This statistical method estimates how far a stock might fall in a worst-case scenario. Many people who have never invested before see it as just another form of gambling.Overall the course was a great experience.
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