Two Rules for Choosing a Financial Advisor

Choosing a financial advisor is an important decision. Finding a trusted firm to assist you with your financial future, retirement questions, and investment options is not something to be taken lightly. With so many financial advisors who represent insurance and brokerage firms out there, it may be difficult to find a financial advisor who will offer you the best advice without pushing products just to make their commission or bonus. According to current regulations there are a variety of individuals who can tack the title to the end of their name. Unfortunately, that doesn’t necessarily mean they are operating according to fiduciary standards and offering the advice best suited for your financial future. What can you do? In this article, we are going to cover the two foundational questions you should ask anyone who you are considering as a potential advisor. Of course, these aren’t the only two questions you’ll need to ask, but if your advisor can’t get past these two, you will probably want to look elsewhere for your retirement and investment advice. 

Two Most Important Questions for Your Financial Advisor

  • What are your credentials? By asking this question first, you’ll have an idea if your potential financial advisor is working on behalf of an insurance broker or other firm that is representing or pushing financial products. Depending on the area you are residing, the credentials to look for may vary. Let’s say you life in the UK and are looking for a financial advisor in Manchester. You should look for a planner who has achieved a Diploma in Financial Planning (DipPFS) at the minimum, and a financial advisor who will act as a fiduciary, placing your financial well being first.
  • How are you paid or compensated for your services? If you are going to work with an individual or a firm who will be handling all your finances, it is vital for you to be aware of the way your financial advisor is compensated. According to 2011 surveys that were given to investors, an alarming number were not aware of how their financial advisor was compensated and some even assumed their planner provided financial advice free of charge. Let’s say you are looking for a financial advisor in Manchester, since that is the area in which you reside or work. If you choose a representative of a local Manchester insurance company, for instance, chances are high that he or she works on a commission basis and will be quick to include the fact that you should purchase life insurance from his company as part of your financial advice. This of course, is a conflict of interest, since the financial planner is employed with the insurance company. Don’t fall for these traps. Instead, choose a financial advisor in Manchester whose sole purpose is to provide financial direction, investment advice, and retirement planning services. By choosing a planner who is not directly employed with a broker/dealer you’ll receive unbiased, conflict free advice.

Of course, as mentioned above, these are not the only two questions to ask a potential financial planner, but they are the foundation of a solid and trusted relationship between an advisor and an investor.

Things to Consider When Looking for a Cheap Web Hosting Service

Venturing into an online business becomes much trickier when you are not aware about the factors to be taken into account while looking for a cheap web hosting service. To start with, let’s consider the customer support service being offered by the web hosting companies. The ones offering customer service round the clock can be looked upon as an option for consideration. A good customer support system also gives you the tag of a reliable company in the eyes of your customers as they are assured to be taken care of for any problems that may arise at any given point of time.

The second important factor is to look for the percentage of uptime being provided by the company. A good reputable and reliable company should give you at the most 99.5% uptime guarantee. Having a good uptime percentage, will help you in sustaining your online business easily as when customers find it difficult to access information on your site due to excessive downtime, they find it irritating which make them switch to your competitors” websites. You will find a few companies advertising 100% uptime; these are nothing but a big hoax. All websites require some downtime for maintenance and system upgrades. The only way to identify genuine companies is to check if they have a money back guarantee system, wherein they refund your fee within a specified time, if they don’t keep their commitment of uptime percentage.

Location of the company is another aspect which cannot be left ignored. Many people overlook this factor while choosing a web hosting company, because for them, it doesn’t seem important enough to know where the company is based geographically. The location also matters as it is one of the ranking features that connect the clients with the website. If your online business mainly focuses on say, USA, you must choose a web host based out of USA and whose servers are in US as well as your country. Besides, there are security features and operating system types that are also equally important.

There are a few articles on the web which claim that the location of the hosting servers is important because the websites would rank in the top of Search Results, hence if you are targeting a audience from London, you should better try out for UK based servers. Do not consider the costs always as the main priority because if the site is down you loose everything.

Do Not Double Your Lost Bets and Do Not Use Roulette Bots!

Scam #1 – Doubling Lost BetsThis is the most common scam that you’ll find on the internet. Just type into Google “make $300 in 5 minutes playing roulette” and you’ll easily find a long list of scamming sites. Most of them will even give you their “winning system” for absolutely free. It’s not even a system, actually. They just tell you to bet $1 on red. If you lose, put 2$ on red. If lose again, bet 4$ and so on and so on. Just keep doubling your bet until you win. They will assure you that the chance of seeing 10 blacks in a row is just 0.05 % according to probability theory. Unfortunately, it’s not true. If everything were so simple, casinos would close their roulette tables with because of the losses this would incur.From my the experience I can tell you that I have seen 16 blacks in a row in a B&M (brick & mortar) casino and 23 reds in an online casino! Try to count how much money you would lose playing this strategy!So, where’s the catch? Why do they intentionally force you to lose? Well, I’ll tell you the truth. Have you noticed a lot of flashing banners from different online casinos on these scammer web sites ? Probably so. And do you know why they advertise like this? All these sites that advise you to play on their “absolutely 100% winning” system initially know that you will lose! So, if you believe that you can beat a casino with such an easy strategy, you’ll click on a banner with the recommended casino, then register a new account, make a deposit and… LOSE ALL YOUR MONEY!This might shock you to hear that the scammer site will receive up to 50% of the money you lose at the clicked casino. Yes, the money goes right into their bank account. How can this be?? Because the scammer is AFFILIATED with the casino. The scammer site shows the banner of the casinos and receives a commission based on how much you LOSE!Now is it all clear? Be careful of scammer sites with dazzling banners offering you “free 100% winning” roulette systems!Scam #2 – Roulette BotsAs I already wrote above, scammers receive commissions from the advertised casinos. The same is applicable to the majority of sellers of roulette bots (automated software for playing roulette). But besides the commissions from the casino, the scammers earn money on sales from their software! And they also have affiliated links on their web sites. If you click on these links, you will be told that if you advertise their software and generate a sale you will receive a commission from them!And what is the best way to sell software? Just write a fake positive review about it! When someone finds an interesting roulette-busting software, they’ll Google it and find the review with good positive feedback. But once you buy it, you’ll lose your money twice. First the money you paid for the software, and then the money you’ll lose at the casino USING the software.How? Very simple! The roulette bot – just a robot program with software script – follows the rules that are written into it. For example, if the red has not shown up for 6 times, the bot starts betting on red, using a martingale progression. But as you already know, all this doesn’t work!I have bought pretty much bought all of these and none of them worked! I have lost more than $2000 at various casinos, not including the money I spent to buy the software!). You may ask why I continued to allow those bots to lose my money? Well, I really believed that I could make money using them. Especially after I read all that good reviews that I found on the web. Check the videos on YouTube as the program earns hundreds of dollars in just a few minutes! And I trusted them to the last! Until I had lost all of my money and realized that I had been scammed!My advice – be careful of bots and all other crappy roulette winning software! Do not believe what people write in reviews and show you on YouTube. Because to make a video showing they were successful one time, they tried unsuccessfully 10 other times!Good luck with your bets!

The Legalities of Online Casinos

Gambling has long been one of the chief adult pastimes in almost every country in the world, and as the Internet has become more technically sophisticated, entrepreneurs the world over have programmed online casino games to entertain people on every corner of the globe. One corner of the globe, however, has attempted to stymie Internet gambling: the United States. The good news is that the technology has long outpaced the regulation, and even today millions of Americans wager money in online casinos. Here’s what you should know about Internet casinos.Online poker has become big business around the world, and many serious gamblers are familiar with the variety of Internet card rooms operating today. Full casino offerings such as slots, roulette, blackjack, craps and keno are relatively more recent on the market. Other popular games such as Bingo and video poker can also now be found online. Obviously it is easier for unscrupulous outfits to run shady tables and scam their players than in the real world, but a variety of websites review the offerings available to ensure you find the most popular, most trusted online casino games.Yet how are US based players supposed to play without getting into trouble? Online casinos are typically organized outside of the US, either in Canada, the UK, the Caribbean or Asia. Some of the slickest and most popular online casino games such as Virgin Casino take no US players. Others will take most US players, but exclude those from the most heavily regulated states. A number of others will accept all US players, and work through secure Internet merchant programs, most of which require invitation to join. To facilitate the process, the casinos offer you the invite, and the merchants secure the process by requiring you to fax ID before you can cash out.The State of New Jersey is poised to be the first US state to offer legal Internet gambling, a result of budget troubles in the state. The proposal, which would supposedly only be open to New Jersey residents, would raise about $55 million a year in new tax revenues, with the state’s struggling Atlantic City casinos expected to make nearly $200 million for themselves. It remains to be seen how tight the quarantine on gamblers outside of New Jersey will be, but past experience suggests that ways for players in other states to join in the fun are likely.Because of the high level of competition between various online casinos, many offer tremendous deposit bonuses, offering an extra $500-$1000 up front, or doubling your initial purchase. This is a benefit rarely found at real world casinos, and for those who don’t care about money but enjoy the games, online casino games often have free versions to enjoy from your own home. No real-world casinos offer such an opportunity, and the chance to work on betting strategies, card-playing skills and other techniques can make anyone a better gamer.Online casino games are changing the Internet and the gambling world, making use of the best technology to help more people enjoy history’s most beloved games.

Enjoyment in Online Casino Slot Games

Games playing in a casino is always fun and loving provided the money is not lost. With the online casino games there is no risk involved in paying money. Still you can enjoy the thrill and excitement in playing slots.Some online casino games can be downloaded and played as required. While playing the game for the first time every player feels the difficulties in finding out the correct keys. But later this online casino games become much more interesting.Casino games are categorized into three different types:1. Simulated racing.2. Keno which is a random number ticketing games.3. Table games and playing with electronic gaming machines.All the online games are needed to be permitted by the respective law from where the web site is originated.For entertainment purpose these slots are played outside casinos with the games simulating machines. These gaming machines are called as slot machines. At a time, it’s usually played by one player.Random number games produce random numbers using random number generator from a computer. Based on the number received by a player, paper tickets or cards, which are called as bingo, are purchased around a table called as roulette. Such animations are found in the online casino games which creates the originality.The probability to win the slot depends purely on the luck factor which is quantified using standard deviations. The formula for the standard deviation is given as:SD = SQRT (Number of rounds * probability of win * probability of losing).A slot machine is also called as fruit machine or poker machine. When a button is pushed the reels on the gambling machine spins. Slots machines are equipped with the currency detector which sense and validate the currency inserter. All these difficulties are not there in playing an online casino games. This entire mechanical machine are being replaced by computerizes software programming and also cheaper to buy this digital machine.Pay table is designed which reflect the number of credits the player would receive if the particular symbols are arranged inline. Multiple lines can also be played by a player in online casino games. There is a possibility of cheating in mechanical slot machines where as this is not possible in online games. Winners are announced automatically. Though this game of chance is a gambling it should be played genuinely.Bingo cards are other type of casino games which were originated in Italy. Previously it was used as an educational tool for children to learn multiplication tables and spellings, etc. Bingo games became popular in US when it was used by church to raise funds for charity. Many gaming etiquette followed in mechanical gaming machine such as jackpot, wild number generations are not followed in online games. Yet playing these online slots games is quite exciting and is a good entertainment.

Microgaming’s New Slot Machines

Microgaming is the leading software provider for the online casino industry. Established in 1994, Microgaming introduces two or three new slot machines every month. This article discusses seven of Microgaming’s new 5-reel slot machines, including Bob’s Bowling Bonanza, First Pass the Post, Jonny Spector, Lucky News, Sir Winsalot, Spike’s Nite Out, and Star Appeal.Bob’s Bowling Bonanza is a new bowling-themed slot machine that boasts 5 reels, 30 pay-lines, and plenty of trophies, bowling shoes, pins, and balls. You could bowl your way to the top jackpot of 5,000 coins. Bob’s Bowling Bonanza accepts coins from 1¢ to 25¢, and the maximum number of coins that you can bet per spin is 600. This new slot has wilds (Strike), scatters (Bowling Ball), and a bonus game. It was released in October, 2008.First Pass the Post is a new 5-reel, 25 pay-line video slot machine that has a horse racing theme. This slot accepts coins from 1¢ to 10¢, and the maximum number of coins that you can bet per spin is 250. There are wilds (Horse), scatters (Trophy), a bonus game, and up to 30 free spins. Spend a day at the races and you might win the top jackpot of 5,000 coins. First Pass the Post was released in September, 2008.Perfect for Halloween, Jonny Spector is a spooky 5-reel video slot machine based on a 1980′s film classic. This ghostly game features 20 pay-lines, a haunted mansion, and lots of eerie sounds. Jonny Spector accepts coins from 1¢ to 50¢, and the maximum number of coins that you can bet per spin is 100. This new slot has wilds (Wandering Ghost), scatters (Dead Ghost), a bonus game, up to 13 free spins, and a top jackpot of 15,000 coins. It was released in October, 2008.Lucky News Network is a new 5-reel, 20 pay-line video slot machine about the round-the-clock news industry. There are wilds (Lucky News Network), scatters (Bonus Bulletin), a bonus game, and up to 20 free spins. Lucky News Network was released in November, 2008.Sir Winsalot is a new 5-reel, 20 pay-line video slot machine about the Middle Ages. This slot accepts coins from 1¢ to 25¢, and the maximum number of coins that you can bet per spin is 100. There are wilds (Sir Winsalot), scatters (Castle), a bonus game, up to 10 free spins, and a top jackpot of 1,000 coins. Sir Winsalot was released in September, 2008.Spike’s Nite Out is for dog lovers. This amusing canine-themed slot machine has 5 reels, 15 pay-lines, and plenty of beer and stogies. You could fetch as many as 15,000 coins with this new game. Spike’s Nite Out accepts coins from 1¢ to 20¢, and the maximum number of coins that you can bet per spin is 150. This new slot has wilds (Spike’s Nite Out), scatters (Doggy Time), and a bonus game. It was released in October, 2008.Star Appeal is a new 5-reel, 30 pay-line slot machine about Hollywood and the big screen. The Glittering Starlet is wild and the Hollywood Walk of Fame is the scatter. You can win up to 12,500 with the base game and 25,000 coins with the free spins feature. Star Appeal was released in November, 2008.So there you have it, seven new 5-reel Microgaming video slot machines. Whether you play slots online or at a land-based casino, remember to gamble only with the money you can afford to lose. Decide beforehand how much you wish to spend, and don’t exceed your spending limit should you lose. Finally, have fun and quit while you are ahead.

Missouri Casinos

Missouri is one of those states that are quietly tucked into the nook of the Midwest. It boasts the rowdy cities of St. Louis and Kansas City, but other than that, features acres of farmland and stays serene in landscape and culture. However, the Missouri casinos add some spice to an otherwise quiet region. There are roughly about nine to ten Missouri casinos dotting the landscape around the state of Missouri, each different in its own way.The Argosy Casino in Kansas City is a laid-back Missouri casino. It has a smaller space and features just over 1,000 slot machines. This Missouri casino also features table games, restaurants, entertainment and a host of services guaranteeing the comfort of each guest.The Casino Aztar in Caruthersville is another of the Missouri casinos housed on a stationary boat. It is also a small facility, featuring a little over 750 slot machines, table games and more. The Missouri casinos that are laid-back often attract visits from around the nearby region as these casinos lack the flash of the bigger casinos, while retaining the substance in the variety of games.Harrah’s Casino in Kansas City is another of the Missouri casinos that boasts a large-scale, Vegas-style facility. It has well over 2,000 slot machines, a host of popular table games and a plethora of entertainment and dining options. Its located in Kansas City means this Missouri casino attracts many visitors from other parts of the country. There is also a Harrah’s in St. Louis, with a large-scale, sister facility that features many of the same features as the Kansas City location.There are two Isle of Capri Casinos, one located in Boonville and the other located on a boat in Kansas City. These are medium-scale, Missouri casinos that feature a little over 1,000 slot machines, table games and more.The Ameristar Casino in St. Charles is a boat casino (not traveling, however), featuring an abundance of slot machines, table games, dining and entertainment. This Missouri casino boasts some of the most popular table games like blackjack, roulette, poker and more. It is a Vegas-style casino and caters to a high-energy crowd. There are also more than 3,000 slot machines in this mega-casino.There is also an Ameristar Casino in Kansas City, featuring about 2,900 slot machines and is the same Vegas-style, Missouri casino as its sister facility in St. Charles. Alternatively, the Mark Twain Casino in La Grange, the St. Jo Frontier Casino in St. Joseph and the President Casino in Laclede’s Landing, are all medium-scale Missouri casinos, with slot machines ranging from the upper 500s to the lower 1000s. They all feature table games, entertainment and dining options and cater to the crowds who opt to visit a Missouri casino to have a good time dining and gambling.

Slot Tournament Winners Secrets

There are dedicated slot players who continually follow what is believed by some to be the unspoken “slot tournament circuit”. This group of slot tournament chasers will show up for Hollywood Casino’s slot tournament event and then a month later, you will see them at a tournament at the Grand Casino in Tunica. Though there are only a handful of these people who continually participate, the prize pool keeps them focused on playing the slot tournaments.Some of the best kept secrets stay with these folks but there are a few tips that you can “catch on to” on your own. For instance, if you notice a familiar slot tournament player, you will notice they never drink right before they play a tournament because it slows down their reflexes. Many people use two hands to play the tournaments and continually hit the button to try to catch as many hits on the payline as possible.Some of the “winners” will stand, not sit during the tournament, so they have more power to “put behind” the pushing of the button multiple times. There are other “tricks” many of these Champions of the Slot Tournaments use, but we may never know what they are unless we follow some of them very close because they are not known for sharing them out loud.Many slot players believe there is power in numbers and if they gamble with a significant other they ask a host how much play is required to be “invited” to the invitational tournaments.While it may not seem like something you want to pursue, special “invitational” tournaments can secure you a spot where the top prize is into the tens of thousands of dollars. It is worth checking out to have a shot at the big bucks these tournaments provide.