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Swingline Classic Cut Pro 12″ Guillotine Paper Trimmer Review

By Jeff McRitchie

The ClassicCut Pro 12″ by Swingline is a well built trimmer with some nice features. Here is a look at some of this machines features and limitations.

Strengths and Features:

1. The first thing you might notice about the ClassicCut Pro 12″ is that, for a light to medium duty machine, it is pretty well constructed. Many times, you might have to spend a lot more money to get a paper trimmer with a wood cutting surface, but you get one here. It is a composite, but it still gives you a nice look and feel and a solid and durable cutting surface. The metal cutting arm is also nice, as are the rubber feet on the bottom of the machine that keep it from slipping when in use. All in all, a pretty nice build in this price range.

2. The stainless steel blade of the ClassicCut Pro 12″ appears to be the equal of any machine in its class, and it is self sharpening as well. The cutting length of 12″ makes it easy to handle letter and legal sized (or smaller) documents which is great for the vast majority of the cutting projects out there.

[youtube]http://www.youtube.com/watch?v=m3Za2OQBE-s[/youtube]

3. The sheet capacity of 15 pages of normal 20lb paper stock per lift is pretty impressive as well, though, as with any paper trimmer on the market, you are likely to see better, cleaner cuts as a general rule if you go with fewer sheets than what the stated capacity is for the most part. If there are exceptions to this rule in the trimmer world, we haven’t seen them yet. This trimmer can also handle thicker materials such as laminated pages, photos, presentation covers, and card stocks without too much trouble, though it’s always a good idea to test the cut for these types of materials out before cutting for the final version.

4. The safety features of the ClassicCut Pro 12″ include a latch that keeps the blade locked down when not in use, spring washers that hold the blade firmly in any position, and a guard rail that keeps the hands that are holding the paper safely away from the blade.

5. The cutting surface of the ClassicCut Pro 12″ includes an alignment grid and a ruler that includes measurements in both the metric and US systems. This is a handy feature that helps to ensure that your cuts are more accurate and precise.

6. Swingline must have a lot of faith in the blade and build of this paper trimmer, because they include an impressive 10-year warranty. Nice touch.

Weaknesses and Limitations:

1. The cutting capacity of 15 sheets will get a light to medium duty user through a lot of projects with ease. However, if you regularly have projects that are bigger, say in the hundreds or thousands of sheets, you will probably want to find a trimmer that can handle more pages at one time.

2. The 12″ blade will also see you through the majority of projects, but if you think you will be working with longer sheets on a regular basis, you might want to take a look at the 15″ or 18″ trimmers.

About the Author: If you are interested in more information about

Swingline 12″ ClassicCut Pro Trimmer

, visit MyBinding.com. They offer a great price and Free Shipping on orders over $75.00. Plus, they carry a full line of

Guillotine Cutters

, of all types and capabilities.

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Why You Must Change Your Mindset Before You Can Reduce Your Taxes}

Why You Must Change Your Mindset Before You Can Reduce Your Taxes

by

Tom WheelwrightStudies show that most of us live our entire adult life based upon the things we learned and especially experienced while we were young. Whether it is our eating habits, exercise or how we relate to others, most of our adult behavior stems from our experience and teachings as a child.

Anytime we want to make a successful change in our lives, we have to start by changing our mindset. Especially when it comes to taxes!

Here is Why You Must Change Your Mindset First Most people have the following mindset about taxes:

Taxes are scary I dread dealing with my taxes Thank goodness I only have to deal with my taxes once a year Taxes are a necessary evil There is no way I will ever understand my taxes All my hard earned money goes to pay my taxes

These are things we hear on a regular basis from the media, family, friends and colleagues. But what surprises many about this mindset is that it can lead to OVERPAYING your taxes!

Are Your Overpaying Your Taxes? Studies are issued by the US government every few years on the US tax system. These studies are usually focused on estimating the amount of federal tax that is either under-collected or not collected at all. But, these studies often reveal how many taxpayers OVERPAY their taxes unknowingly!

Here are some of the statistics I have found most interesting in recent years:

Up to 2 million people overpaid their taxes by more than $1 billion in a single year Over 2,000 small businesses overpaid their taxes by more than $11,000 in a single year

The number one reason given for the erroneous overpayment of taxes was the complexity of the tax code. This plays right into molding the mindset that taxes are just too complicated to even try to understand.

Create a New Mindset to Reduce Your Taxes

One of my goals in life is to teach a new mindset about taxes. One that looks like this:

Taxes don’t have to be scary I don’t mind dealing with my taxes because I know the time I spend is absolutely saving me money Tax planning is something I do all year round Taxes help me stay in touch with the performance of my business and investments I know exactly what I need to do to legally reduce my taxes My tax savings can supercharge my wealth building

This new mindset is not the unattainable goal that many people often think it is. Yes, it does take a little bit of focused time and effort, particularly upfront. But, once you own this mindset, you have opened the door to the reality that you can legally and effectively reduce your taxes.

Remember, the tax code is written to favor businesses and investors!

Studies show that most of us live our entire adult life based upon the things we learned and especially experienced while we were young. Whether it is our eating habits, exercise or how we relate to others, most of our adult behavior stems from our experience and teachings as a child.

WWW.ProVisionWealth.com

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Summer Chocolates}

Submitted by: Srinivas Dg

Although we believe that, anytime is chocolate time, yet the concept of summer chocolates seems quite fascinating. So, what is this stir about summer chocolates? It has been heard that a handful of chocolate manufacturers feel that summer marks the end of the chocolate season; because it is hot and chocolates are difficult to store. It has also been added that summer apparently has no customary celebrations for which chocolates can be used as gift boxes. But, do we really need a reason to consume chocolates?

As far as family celebrations are concerned, they occur round the year; and, if we talk about customary celebrations that mark the calendar days, then summer too has reasons to celebrate. We have Easter, Mothers Day, Ramadan, and Eid that we celebrate beginning from early summer to the end of it. These are some of the special occasions where not only use chocolates as gift items but also as one of our important food items served to our guests and family members.

However, chocolate sales are relatively low as compared to the other festive seasons; but this is not because of the climate change or cocoa crops. The remaining part of the year has more celebrations than this season. Also, in order to protect your sweet investments, it is important that you take extra care of your favorite stuff. You have to keep your chocolate boxes in dry cold temperatures as you dont want them to melt before they hit your mouth.

Humidity is not good for chocolates; hence it is not a good idea to store it in a refrigerator. It should be kept a little below room temperature, so a nicely air-conditioned room would work fine. You can also put a little bit more effort to keep your favorite summer chocolates fresh and flavorful. We all know that chocolates should be kept in cool, dry place as mentioned in every chocolate packet, but how do we do it. As refrigerating the same is not advisable, you can keep it in the pantry as that is usually a dark place and if not possible, then put the items in a dark tin box. Never refrigerate a chocolate and then lay it open before you consumer to warm up. Rather, it will either be very hard to your teeth or it will melt before it hits your mouth.

Although the shelf life of most of the chocolate products is about a year, we dont expect you to store your favorite thing for one whole year. Also, to enjoy the fresh flavor, it is better that you do not wait so much.

There is no special chocolate variety manufactured especially for summers. You can have any flavor or all the flavors round the year. But, you can try few seasonal fruit chocolates, that are, fruits wrapped with your favorite chocolate flavor. Also, gourmet items such as peanut butter and crunchy nuts infused in milk chocolate, dark chocolate candy filled with coconut, toffee flavored chocolates, orange chocolates, caramel truffles, chocolate in Hawaiian sea salt are some of the unique chocolate varieties you can try during summer days. At Njoy Chocolate, we produce some of them; but we have a huge range of chocolate varieties that you can savor any time of the year. We do not have a separate section for summer chocolates, but our varieties do match the seasons favorites. We believe in one thing while preparing chocolates that once you have it the effect should remain for you to enjoy a little bit more.

About the Author: srinivas is a content marketer and branding strategist at BenErg Software solutions.

njoychocolatier.com

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Does Anybody Want Cheap Cabinets?

byAlma Abell

Many people automatically associate the word “cheap” with another word and that word is “nasty”. This gives rise to a reluctance to get involved with anything “cheap”. For example, if we see an advertisement telling us to buy Cheap Cabinets for our home we will automatically ignore it. We get a mental picture of shoddily made cabinets using very low cost, inferior, raw materials that have been badly put together; in other words, something that might be put in a cheap motel room but never in your own home!

If Cheap Is Nasty; What Is Economical?

[youtube]http://www.youtube.com/watch?v=w_UFfhmBRZM[/youtube]

If that same advertisement had been for economically priced cabinets; then, we would have read on with interest in the expectation of getting a bargain and saving ourselves some money. Other ways of implying a, lower than you expect price, include phrases like: “cost saving”; “discounted prices”; even “bargain prices”. Such phrases can lead you to believe that you are being offered a good quality product at an advantageous price and, assuming that it is a product that you currently have a use for, you will investigate further and, possibly, purchase it.

How Do Cheap Cabinets Vary From Economical Ones?

Although the possibility exists that they may not vary in price, Cheap Cabinets are unlikely to be made from genuine, natural (as sawn) wood. They are more likely to be covered with a cheap, self-adhesive plastic layer that has been colored to pretend to be a wood veneer surface and things like door hinges and shelf brackets will probably be of inferior quality. Additionally, the supplier might not provide any sort of warranty on your purchase.

If we are looking at cheap RTA (Ready To Assemble) cabinet kits, we are likely to face that most frustrating of DIY problems when an instruction manual does not match up fully with the contents of the kit. For example: – “Place part 1 into hole 2”; you have found part 1 but there is no sign of any hole 2 whatsoever!

If the economically priced alternative is manufactured by a reputable company and purchased from an equally reputable dealer – either online or from a warehouse or store – then you should not encounter the sort of problems that you could get from purchasing cheap cabinets.

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Bali Holiday Villas For A Great Holiday In Bali

By Rob Meester

Getting to know more about Bali Holiday Villas

At times, we are often amazed at what we see from televisions and pictures of different beaches around the world. Now, if you’re looking for that special place which you can cherish every moment and spend some quality time with your friends or loved ones , Bali is the perfect spot to visit. Located in the Indian Ocean, Bali is a small island which is part of Indonesia. This unique island offers great ambience for tourists who wants to have privacy while enjoying a vacation. A Bali Holiday Villa is just the right place to be.

Holiday Villas in Bali and It’s Beaches

If you want to take away the stress and pressure of every day life, the different beaches of Bali will surely delight your taste. With some of the known beach spots like, Legian, Sanur, Seminyak, Tanjung Benoa and Nusa Dua, these are the ones often sojourned by many peers. These beaches offer an array of activities which you’ll surely enjoy such as swimming, snorkeling, kite flying, water skiing, banana boating and scuba diving. The coastline of Tanjung Benoa will surely captivate your eyes. This is one of the favorite’s spots where most visitors take pictures. The coastline is a few meters away from one of the Holiday villas in Bali. So, you’ll surely not miss every moment.

Bali Holiday Villas: It’s Amenities and Features

[youtube]http://www.youtube.com/watch?v=HY6R90N5uvU[/youtube]

With the island of Bali and it’s natural surroundings, you should book a Bali Holiday villas to experience how is like staying in Bali. Holiday Villas in Bali has a lot to offer with their peerless comfort and unparallel service, it surely be a remarkable experience. The settings of these villas are just astonishing designed and created by well-renowned professionals.

To bring out that Bali experience, you need to take advantage on the magnificent bed rooms, breezy living room, and its personalized Jacuzzi. Once you have this setup all prepped up, you can easily enjoy night life while staying in a Bali villa rental. Also, you can spice up by visiting the restaurants and stores near the coastline.

If you want to see a real beauty of art, you need to a lot a time to check on the different art works and sculptures in Bali. On the other hand, if you’re a fan of surfing, I suggest you check out Seminyak Beach. This is one of the many beaches often scouted by most surfers. With its clear and white sand, it will certainly gratify your summer experience.

Holiday Villas in Bali: Interesting Places to Visit

If you’re looking for something special in Bali, you cannot simply spend the whole day inside one of the Bali holiday villas. Did you know that Bali has a golf course in which you can play golf? Yes, it is certainly true, plus they also have tennis courts! Indeed, you won’t regret spending leisure time in of the Holiday Villas in Bali.

There are also spa facilities inside your own villa space which you can consider. You can also help yourself in tasting one of the sea food cuisines on the island. You can also try horse riding in Seminyak Beach.

Bali Holiday Villas: Prices and Packages

If you think that it would cost you too much having a Holiday Villa in Bali, then you’re wrong. There are many websites that offer ideal packages and discounts for going on a trip to Bali. Most websites will offer special promotions that will suit family and friends who want to travel to the island of Bali. Offer yourself a treat by taking advantage of these packages.

It is advised that you have an estimated budget before you go to the Island. I recommend you to do some research in get quotes and make a list of the different prices for getting a Holiday Villa in Bali. Once you have accomplished the list, you should move on and think of the activities you want to do once you arrive in Bali.

You need to plan carefully before you book one of the Bali travel packages. Remind you as well, there are some sites that offer fake packages so if you see a contact number on the site, you may want to ask questions regarding the company to make sure you’re not entering into a bogus transaction.

Things to Remember

It is very important to treat ourselves since most of us spend so much time working inside the office. Hence, for relaxation purposes visit the Bali villa Rent website to select one of our Bali Holiday Villas today!

About the Author: R. Meester is a writer for Bali land property (TORTOR Property) in Bali. They are a leading property sales and holiday villa rental company in Bali operating since 2003 offering good priced land, house, villa properties and holiday villa rentals in Bali Seminyak and other places in Bali. Bali Property and Bali holiday villas and Bali Apartment.

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All You Need To Know About A Commercial Locksmith In Lakeview

byAlma Abell

A locksmith is a person who is knowledgeable about many types of locks and their keys. The work of a locksmith includes fixing broken locks, making keys and duplicating keys for institutions, homes, businesses or automobiles. Apart from locks, locksmiths also maintain complex security systems. If you are operating a business, you may need to acquire the service of commercial locksmith in Lakeview.

[youtube]http://www.youtube.com/watch?v=CvylFrQX93U[/youtube]

It is important to have your business secure at all times for protection against theft. Insurance companies also advocate for you to ensure your business is properly secured. In other cases, you need advice on which type of locks or security systems to use for your small business. Your business may also be considering installing or upgrading an existing security system. In all these situations, you need to contact a good commercial locksmith. Some of the services offered by a locksmith include:

1. They offer specification, supply and installation of electronic access control systems.2. They install and maintain emergency exit door locks.3. They install panic bar, locks and other panic hardware.4. Installation of commercial vaults5. Installation of commercial safes, change of safe combinations, repairs and maintenance.6. Install exit alarm clocks7. Electric strikes8. Restricted keys9. Electronic door releases10. ADA and Code violations11. Perform security upgrades- a locksmith can offer additional security including better locks and door bolts or electronic access.12. Emergency services.13. Repair and lock replacement14. File cabinet keys15. Keyless entry16. Door closers and continuous hinges17. Electronic access and control

Don’t do it yourself. Remember to call a professional locksmith. Locksmiths usually undergo some form of training in different types of locking mechanisms. Therefore, they are knowledgeable, accurate and experienced in the functioning of various locking mechanisms. In addition, they know which locks best fit your business. Besides, repairing yourself hours a day, otherwise, in case of a night emergency where would you turn? To contact professional and licensed commercial locksmiths in Lakeview visit website of Amazing Lock Service who provide professional locksmith service in Lakeview.

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Affordable Yet Tasty Toaster Oven Sandwich Recipes

By Roger Mitch

The first-ever electric toaster oven was invented in 1910 by a man named William Hadawy. This guy also designed and developed the toaster for the Westinghouse Corporation, which is still one of the leading toaster oven manufacturers today. Today, however, the oven toaster have moved beyond simply toasting different types of bread, for it can bake, broil roast and toast different types of food. From chicken, turkey, pork, beef, fish, veal and other recipes, the oven toasters of the present day can do it all for you.

Cool Toaster Oven Sandwich Recipes

If you have guests coming over for lunch or dinner, and you serve them different types of dishes and recipes, theyd probably be so surprised if they knew you cooked all of these on your small, but powerful, oven toaster. Here are some unique and tasty toaster oven recipes to consider.

Cuban Sandwich Recipe

The ingredients for cooking a delicious Cuban sandwich include 2 loaves Cuban or French bread (sliced in half), cup mayonnaise, 4 slices Swiss cheese, 4 small thinly-sliced dill pickles, half pound sliced cooked pork loin, half pound sliced cook ham, and two tablespoons melted butter.

– Once the ingredients are in place, preheat the oven toaster to 400F, and spread mayonnaise over the sliced bread surfaces.

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– Place cheese, pork and ham and pickle slice on one half, and cover it with the second bread slice.

– Cut the bread in half and put it on slightly-oiled iron skillet.

– Push down the sandwiches using a spatula or hands, and brush the top with butter.

– Bake the Cuban sandwich for twenty minutes, until it becomes crisp and slightly golden brown.

Parisian Beef Sandwich Recipe

In baking Parisian beef sandwich, the ingredients include 1 loaf French bread, 1 lb cooked slice roast beef, 1/5 lb softened cheese, cup mango chutney mix.

– Turn on the toaster oven, and spread some oil over the cut bread sides.

– Toast for minute until the bread turns golden.

– Put roast beef and cheese on one side, and return to the toaster until the cheese becomes bubbly.

– Top the sandwiches with the sliced bread half, and serve once the heat dissolves.

While the early versions of the toaster oven were only good for toasting breads, and cooking simple recipes, todays new line of toasters combine essential oven functions, and are great for broiling, baking and even roasting.

This valuable and reliable piece of kitchen equipment can now cook different types of meat, as well as toast and broil vegetables and other food items. What makes this kitchen appliance so appealing is that while its a bit small, it can effectively handle most entrees, and still have enough room to spare.

This kitchen appliance also uses only a small fraction of electricity as compared to regular ovens, and most toaster oven designs today also carry extra-useful accessories like a broiling tray, cookie sheets and more. This kitchen appliance is definitely a must-have item for individuals who dont usually prepare large meals everyday.

About the Author: Want to make your cooking easier? Why not take a look at how

4 slice toasters

and the

hamilton beach toaster

can help you cook up different recipes!

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The Top 5 Us Manufacturers Of Lawn Furniture

By Dave Text

Lawn furniture is being used in gardens and outdoor spaces. Lawn manufacturers are the ones who make and sell these furniture that are holds the purpose of designing resorts, pool sides, gardens and other recreational outdoor places. A good design for these needed lawn furniture actually attracts more buyers, making certain that the firm serves its purpose.

Lawn furniture is used in gardens and outdoor spaces. Lawn manufacturers are the ones who make and sell furniture for the purpose of designing resorts, pool sides, gardens and other recreational outdoor places.

Materials used in making lawn furniture are metals, wood or lumber and plastics. This material passed through certain standards and processes before they are vended in markets and specialty shops.

A list of the top manufacturers of lawn furniture is as follows:

1.

DeKkorViii (Decorate) Designing Firm

This firm started in the year 1979 in Las Vegas, Nevada. Ever since, they achieve an annual sales volume of not more that 1 Million US dollars.

The products and services they provide would include:

Patio Furniture Poly-Wood Picnic Tables Hotel Furniture Weather Proof Furniture Mission Collection Outdoor Furniture Green Furniture Pool Chairs Eco Friendly Furniture Commercial Furniture Bar Chairs Plastic Lumber Garden Furniture.

Their main customers are as follows:

Beach Resorts Happy Home Owners Water parks Hospitals Amusement and Theme parks, and Cruise Lines.

Their main markets include the following:

Oceania North America Eastern Asia South America Eastern Europe Mid East Western Europe Southeast Asia.

2.

PAVCO Furniture Inc.

PAVCO supplies products for multi housing, club industries and hospitality. They are one of the manufacturers of aluminum outdoor furniture. Their products are made from heavy duty materials and they offer fully welded construction frames, along with a coating finish of polyester powder.

[youtube]http://www.youtube.com/watch?v=pdBRj4h2ZDo[/youtube]

Their products are as follows:

Fiberglass Framed Umbrellas Commercial Pool Furniture for hotels Alante Sling Outdoor Furniture, and Aluminum Outdoor Furniture

Hence, their total annual sales volume would range from 5 million US dollars up to 10 million US dollars.

Their other products and services guaranteed include the following:

Pool Furniture Chairs Patio Umbrellas Tables Chaise Lounges Beach Chairs Bar Stools

Their firm has a total of 51 up to 100 employees, including the ones in their factories. Their factory size is approximately 50,000 square meters up to 100,000 square meters.

3.

Furniture Active Limited

This firm is the worlds fanciest and largest furniture dealer, which caters to tables and sets of chairs, as well as dining tables, home and office furniture.

Their products include the following:

South Sea Rattan – Crossroads Bedroom Set Active Resin Outdoor Furniture Sets Global Furniture Usa 210 C/B Series Sofas Scottsdale Dining Chairs Scottsdale Contemporary Table Set

They have a total of 51up to 100 employees, including the ones in their factories. Their total annual sales volume is approximately 10 million US dollars up to 50 million US dollars.

Their main markets are as follows:

Eastern Europe North America Eastern Asia South America Middle East Oceania Western Europe Africa

4.

IMEX TRADING LLC

Address: 34750 Klondike Drive, Out of Union City California

This company was established in the year 2002. Their products include the following:

Rocking Chairs Folded Table Sets Outdoor tents Outdoor sporting goods Picnic Table Sets Changing Rooms Inflatable toys Furniture Patio furniture artificial decors Childrens Playing Tents Traditional Table Sets Furniture Bench Sleeping Bags, and Garden lamp.

Hence, their total number of employees would be around 11up to 50 employees, including the ones in their factories. Their main market is North America. Their total annual sales volume would range from 2.5 million US dollars up to 5 million US dollars. Thus, their Management Certification number is ISO 9000/9001/9004/19011: 2000.

5.

GREATEST SALE INC.

Address: 1354 Harding Ave, Des Plaines, Illinois, United States

Greatest Sale Inc.was established in year 1984. It is an online sales company in United States. It is also a superstore that offers products catering to the business communities and the public as well. All their products are 100% genuine, particularly with high quality features and a warranty.

Their products and services are as follows:

Accessories Housewares Electronics Equipment Hardware Supplies Software

Their main markets include the following:

Eastern Europe Eastern Asia Western Europe Africa Middle East North America Southeast Asia South America

Thus, their total annual sales volume would range from 2.5 million US dollars up to 5 million US dollars.

Other manufacturers:

6.

A2Z Handi Services

Their products and services are as follows:

Cabinetry Solid Wood Cypress Lawn Furniture Cabinetry, Kitchen Custom

7.

Savvy Export

Their products and services include the following:

Garden statues Home Dcor Gift items Wind chimes Stationeries Fragrances Candles

8.

Gateway Marketing

Their products and services would be discounted items such as:

General merchandise Electronics Household products Hardware

They also handle customer closeouts, returned goods and clearance items.

9.

AM Wood Designs LLC

Their products and services are as follows:

Cedar gazebos Unfinished furniture Wooden storage items Cedar gazebos Displays

Lawn furniture adds more features, particularly in creating a good landscape design. This is due to the fact that it can provide more naturalistic sceneries. Thus, setting the right furniture that would match your chosen motif is what designers need to accomplish, especially in assessing a good manufacturer for good furniture.

About the Author: For more information on

The Top 5 US Manufacturers of Lawn Furniture

please visit our website.

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Is Online Fx Mentoring Really Worth It?

So, you’ve decided to dip your toes into the world of trading, and you discovered that there are so many different ways to learn it. You may have even found out that it would be much smoother when coupled up withonline mentoring.Why consider getting a mentor and what sort of advantages come with them helping you learn to trade? Here are some of the big reasons that you may want to seriously consider this option and see if this learning method is a good fit for you: You Get Real-Time ExperienceYou’ll benefit from an ongoing market analysis and experience by being in direct contact with a senior trader who is analysing the market weekly. By seeing what the experts are doing, you will get exposure to a higher level of analysis while comparing them to yours, which will help you understand your mistakes and improve on them. As a result, you will come out of these sessions, feeling more confident and feeling like you have a better grasp of trading. It Will Help Traders Improve Their Trading Performance.City Traders Imperium offers weekly webinars discussing various topics on trading psychology to help traders improve their overall trading performance that is usually due to their lack of discipline and understanding of themselves as traders. City Traders Imperium does this over a12-month membership programmebecause they believe that trading is a journey, and bad habits take time to change. So, by having weekly lessons on topics, such as risk management, trading psychology, combined with offering weekly market review and analysis, it will help traders to become profitable through integrating the psychological part of their trading into their technical analysis. Potential Future OpportunitiesOften mentors think beyond the scope of a trading course; they seek to train beginners up to expert level with the view of recruiting them within their own trading business. As such, you may find yourself with the opportunity tostart your FX trading careerin a way which is mutually beneficial for you and your mentor. Online Forex mentoring, particularly when it’s individually customised like what City Traders Imperium offers, can do a lot of good and help you to work out what it is that matters most for you and how you want to accomplish your goals. It could take time, but it can help you get a meaningful foot in the door in the FX trading industry upon completion of the programme.

[youtube]http://www.youtube.com/watch?v=R4XOe38VRt8[/youtube]
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Time Is Running Out For Higher Male Annuity Rates

Time is running out for higher male annuity rates

by

John T. Hughes

Under the European Directive on gender equality which comes into force later this year it will no longer be possible for annuity providers to offer separate rates for males and females.

An annuity is a regular income purchased on retirement with a lump sum, usually the result of a lifetime of contributions to a pension fund. Unless you are purchasing a fixed term annuity product, the annuity that you purchase when you retire will normally continue to pay out until the end of your life. Annuities are the most common route taken to turning a pension pot into a regular retirement income.

Currently annuity providers will often offer men a better annuity rate than women simply because men have a shorter average life expectancy than their female counterparts. From an annuity provider’s point of view this means that they are likely to have to pay out for a shorter period of time and they can therefore, generally speaking, afford to offer a men a higher rate life annuity.

[youtube]http://www.youtube.com/watch?v=jw1Ddrr5UDQ[/youtube]

From the 21st of December this year annuity providers will only be able to offer uni-sex rates. As a result annuity rates are likely to fall for men and climb slightly for women.

What should I do if I am considering buying an annuity in the next year?

If you are a man you may benefit from higher rates if you purchase an annuity before December 2012, but like so many things in the annuity market at the moment, this is far from certain because annuity rates are effected by a whole host of influences.

Typically the retirement income, also known as the “annuity rate”, that you are able to purchase with your pension fund is based on you age, the state of your health and the standard annuity rates across the market at the time that you make your purchase, as well as your gender under current rules. So although gender is likely to become an obsolete consideration come January 2013, annuity rates may still rise or fluctuate for other reasons.

While the European Directive on gender will mean that overall annuity rates are likely to drop for men they are also likely to rise slightly for women, so it’s not all bad news for those approaching retirement.

Nevertheless, an impact on annuity rates, however small can be keenly felt in today’s tough market, and purchasing an annuity may be one of the most important decisions that you make in later so it’s vitally important to consider all your options carefully before you proceed. Shopping around and comparing the market can help you get the most competitive deal for your circumstances.

John T Hughes writes for

Annuity Rates UK

, a site that connects consumers to

annuity advice

they can trust.

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Time is running out for higher male annuity rates