Fun Cornhole Designs

Cornhole is a fun game whether there are a few people or whether there are several people divided into teams. If you’re designing the boards for the games that are played or to sell to other people, you might want to look at a few design ideas that are different than the standard wooden board with holes. When you’re designing cornhole sets, you need to look at the size of the board and the positioning of the holes as they should be in the proper location on each board.

Consider using wax on the boards so that the bags will easily slide instead of landing and staying in one place on the boards when they are thrown. Make it easier to keep up with the bags in the game by putting a container under the boards or cups under the holes. This will keep them in one place after they are thrown, and it will also help to keep them from getting dirty and torn when they land on the ground under the board.

If you’re making boards for police officers or for an event involving police officers, then create a flag design on the boards using blue instead of red. You can also write a phrase on the bottom of the boards, such as “Blue Lives Matter.” This idea can also be used for a fire department but with red instead of blue. You could use this design when making boards for an event honoring the men and women who work in these fields. Incorporate a beach theme with a large sea turtle on one board and seashells and a sunshine on the other one.

Use wood that is a light shade of brown to look like the sand. Someone who enjoys cars and trucks might like a set of boards with a vehicle logo and a large wrench design that ends at the center hole on the board. You can use nuts and bolts as additional designs on the boards. This might be an idea to consider if you’re making sets for a mechanic of a car dealership.

How to Choose the Right Life Raft

A life raft is not a piece of safety equipment that you ever want to use. It means that something catastrophic has happened and the boat is sinking. You do need to have one on board to save lives. Below are a few things to consider when seeking the right life raft for your boat.

How Many People Are Normally On Your Boat

The size of life raft needed will be greatly dependent on the number of people that will climb on board. They are designed to carry and provide emergency basic supplies for a specified number of people. Calculate the number of people and multiply that by two. This will give you plenty of room and supplies for a short period of time. If there are normally two people, you need a life raft designed for four people. Otherwise, you will feel cramped.

Water Temperatures and Roughness

There are two different types of heavy duty life raft. One is coastal and designed to sustain you in warmer, less rough seas and bodies of water. They are partially shaded from the sun, but the bottom is not insulated. Life rafts designed for rough, colder seas are termed offshore models. They are created to allow water to weigh them correctly and avoid tipping over. They are completely covered from the direct sunlight and the floors are insulated to avoid hypothermia.

Containment Method

These life rafts can be packed inside canisters or what is called a valise pack. Both are rugged and provide more than adequate protection for the raft and the contents of survival packs.

Storage Space

You will have to decide where the best locations are to store the life raft on your boat. There are specialized compartments on some boats, but others you will have to create a spot. You can actually secure a valise pack on the deck railing, which makes it easy to access when needed.

Cost and Location of Repacking

There will be a charge for repacking the life raft, which needs to be done once every three years. The entire raft will be inspected and the service performs any needed repairs. All of the survival foods and water are replaced at this time. Make sure the location you are heading to offers this service.

Contact boating safety experts like MMI Marine and find the cabin cruiser, sailboat, or yacht life raft you need today!

Putting a Luxury Home on the Market

Luxury HomeThe real estate market can be very unforgiving to people who try to sell a home when they are not prepared. There are many things that you need to be prepared for. You should never put your luxury property on the market without first looking at the sale from every possible angle. This is the only way that you will be able to anticipate the needs of the buyer. You will then have a much better chance of getting what you want for your house. Here are a few of the most crucial things that you must do when you have finally decided to sell your luxury property.

1. Hire a company to give your property a professional appraisal.

You might think you know exactly what your home is worth. However, the real value might be something quite different. You need to have an accurate appraisal performed on your home so that you will know the price range that you can ask for the home when you put it on the market. Asking for far more than your home is worth will result in it sitting on the market for an extended period of time. You might get lucky and find a desperate buyer who is willing to pay far above market prices. However, the chances of that are very small. Most people who are willing to spend the money needed to buy a luxury property will do their homework before they make an offer on your place. This is why you need to be sure your home is fairly and accurately priced. You will only be able to do this if you get the home appraised.

2. Hire a company that has a track record of selling expensive properties.

Selling a luxury property is a completely different task than selling a home that is located in a typical residential development. You need to market the property to a completely different group of potential buyers. These are people who will not be browsing through the listings in your local newspaper. It is important to know how to reach these people in order to let them know that your home is on the market. Most realtors who sell traditional properties will not have the contacts needed to get in touch with the wealthy clients you need to make a deal of this magnitude. This is why it is imperative that you hire a company that specializes in high end real estate marketing. This will ensure that your home will be advertised to people who can actually afford to buy it.

3. Be prepared for a long wait.

Expensive luxury homes will often sit on the market for a long time before they are eventually sold. Some interested buyers will wait to see if your price will come down if you become impatient and desperate to sell your home. You need to understand that the odds are not very good that you will find the perfect buyer right away.

4. Be willing to negotiate your price.

There are some good reasons to remain firm when it comes to your asking price. However, having some flexibility and willingness to negotiate your price will mean that you will get a deal done without waiting endlessly for the perfect buyer.

Investing For The Short Term

Scientific works in the theories of finances and credit, according to the specification of the research object, are characterized to be many-leveled and many-sided.

The definition of totality of the economic relations formed in the process of formation, distribution and usage of finances, as money sources is widely spread. In “the general theory of finances” there are two definitions of finances:

V. M. Rodionova Finances reflect economic relations, formation of the funds of money sources, in the process of distribution and redistribution of national receipts according to the distribution and usage”. This definition is given relatively to the conditions of Capitalism, when cash-commodity relations gain universal character;

Finances represent the formation of centralized ad decentralized money sources, economical relations relatively with the distribution and usage, which serve for fulfillment of the state functions and obligations and also provision of the conditions of the widened further production”. This definition is brought without showing the environment of its action. We share partly such explanation of finances and think expedient to make some specification.

Finances overcome the bounds of distribution and redistribution service of the national income, though it is a basic foundation of finances. Formation and usage of the depreciation fund which is the part of financial domain, belongs not to the distribution and redistribution of the national income (of newly formed value during a year), but to the distribution of already developed value.

This latest first appears to be a part of value of main industrial funds, later it is moved to the cost price of a ready product (that is to the value too) and after its realization, and it is set the depression fund. Its source is taken into account beforehand as a depression kind in the consistence of the ready products cost price.

Another, main goal of finances is much wider then fulfillment of the state functions and obligations and provision of conditions for the widened further production.  Finances exist on the state level and also on the manufactures and branches’ level too, and in such conditions, when the most part of the manufactures are not state.

V. M. Rodionova has a different position about this subject: real formation of the financial resources begins on the stage of distribution, when the value is realized and concrete economical forms of the realized value are separated from the consistence of the profit.

V. M. Rodionova makes an accent of finances, as distributing relations, when D. S. Moliakov underlines industrial foundation of finances. Both of them give quite substantiate discussion of finances, as a system of formation, distribution and usage of the funds of money sources, that comes out of the following definition of the finances: financial cash relations, which forms in the process of distribution and redistribution of the partial value of the national wealth and total social product, is related with the subjects of the economy and formation and usage of the state cash incomes and savings in the widened further production, in the material stimulation of the workers for satisfaction of the society other and social requests.

In the manuals of the political economy we meet with the following definitions of finances:

As we’ve seen, definitions of finances made by financiers and political economists do not differ greatly.

Finances of the socialistic state represent economical (cash) relations, with the help of which, in the way of planned distribution of the incomes and savings the funds of money sources of the state and socialistic manufactures are formed for guaranteeing the growth of the production, rising the material and cultural level of the people and for satisfying other general society requests.

The system of creation and usage of necessary funds of cash resources for guarantying socialistic widened further production represent exactly the finances of the socialistic society. And the totality of economic relations arisen between state, manufactures and organizations, branches, regions and separate citizen according to the movement of cash funds make financial relations.

In every discussed position there are:

1) expression of essence and phenomenon in the definition of finances

2) the definition of finances, as the system of the creation and usage of funds of cash sources on the level of phenomenon

3) Distribution of finances as social product and the value of national income, definition of the distributions planned character, main goals of the economy and economic relations, for servicing of which it is used

If refuse the preposition “socialistic” in the definition of finances, we may say, that it still keeps actuality. We meet with such traditional definitions of finances, without an adjective “socialistic”, in the modern economical literature. We may give such an elucidation: “finances represent cash resources of production and usage, also cash relations appeared in the process of distributing values of formed economical product and national wealth for formation and further production of the cash incomes and savings of the economical subjects and state, rewarding of the workers and satisfaction of the social requests”.

Finances – are cash sources, financial resources, their creation and movement, redistribution and distribution, usage, also economic relations, which are conditioned by calculations between the economical subjects, movement of cash sources, money circulation and usage.

Finances are the system of economic relations, which are connected with firm creation, distribution and usage of financial resources.

Finances represent the formation of centralized ad decentralized money sources, economical relations relatively with the distribution and usage, which serve for fulfillment of the state functions and obligations and also provision of the conditions of the widened further production. V. M. Rodionova makes an accent of finances, as distributing relations, when D. S. Moliakov underlines industrial foundation of finances. Both of them give quite substantiate discussion of finances, as a system of formation, distribution and usage of the funds of money sources, that comes out of the following definition of the finances: “financial cash relations, which forms in the process of distribution and redistribution of the partial value of the national wealth and total social product, is related with the subjects of the economy and formation and usage of the state cash incomes and savings in the widened further production, in the material stimulation of the workers for satisfaction of the society other and social requests.
We meet with such traditional definitions of finances, without an adjective “socialistic”, in the modern economical literature. We may give such an elucidation: “finances represent cash resources of production and usage, also cash relations appeared in the process of distributing values of formed economical product and national wealth for formation and further production of the cash incomes and savings of the economical subjects and state, rewarding of the workers and satisfaction of the social requests”.

Stock Investing

Stock investing is the growth engine of your investment portfolio

Stock investing is the growth engine of your investment portfolio, but in 2014 and beyond your best investment strategy could be to cut your investment exposure in stocks (also called equities) and stock funds (also called equity funds). Face it: equities and some stock funds have run up 150% in the past four to five years and this run could be about over. Why invest money here (more money) now?

Stock investing is the growth engine of your investment portfolio, but in 2014 and beyond your best investment strategy could be to cut your investment exposure in stocks (also called equities) and stock funds (also called equity funds). The truth of the matter is that stocks and stock funds have been the best investment for the average investor for questionable reasons. Invest money in stocks or stock funds if you believe that our government’s efforts will create a new wave of growth in the economy, in jobs, and in corporate sales. That’s one view of stocks for 2014 and beyond, based on a fundamental view of stock investing. If you invest money in stocks or stock funds now, you could be arriving at the party late.

Invest money in stocks or stock funds if you believe that our government’s efforts will create a new wave of growth in the economy, in jobs, and in corporate sales. Do not rush out to invest money (more money) if you think higher interest rates will follow and choke economic growth.

When investors look at the apparent lack of investment opportunities out there and see equities going up they tend to want to jump on the band wagon and invest money in stocks and equity funds. In 2014 your best investment strategy may be to cut back on stock investing and opt for more safety.

Stock investing has been very profitable in the past few years. The truth of the matter is that stocks and stock funds have been the best investment for the average investor for questionable reasons. In the world of stock investing, investors want to see a growing economy, rising corporate profits and growth in corporate sales.

That’s one view of stocks for 2014 and beyond, based on a fundamental view of stock investing. If you invest money in stocks or stock funds now, you could be arriving at the party late. Only after these bear markets ended were stock funds the best investment for the average investor (for about 5 years).

This made stock investing the best investment game in town, and kept interest rates low. At that point stock investing could be a whole new ball game. Equities might not be your best investment.

Well, it’s been about 5 years now since the recession (financial crisis) was officially put to bed. The real dilemma for investors in 2014 and beyond is that there appears to be few (if any) good or best investment prospects on the horizon. Why invest money in a money market fund when they pay virtually nothing in return?

Planning To Make Your Investments

How To Make Your Investments

One:   Meeting Investment Prerequisites-Before one even thinks of investing, they should make sure they have adequately provided for the necessities, like housing, food, transportation, clothing, etc. There should be an additional amount of money that could be used as emergency cash, and protection against other various risks. This protection could be through life, property, liability, and health insurance.

Two: Selecting Suitable Investments-With all the information gathered so far, a person will use it to select the investment vehicles that will compliment their goals the most. One should take into consideration expected tax, return, and risk considerations. Careful selection is important.

Three: Evaluating Investment Vehicles-Next up is evaluating investment vehicles by looking at each vehicle’s potential return and risk.

Four: Establishing Investing Goals-Once the prerequisites are taken care of, an investor will then want to establish their investing goals, which is laying out financial objectives they wish to achieve. The goals chosen will determine what types of investments they will make. The most common investing goals are accumulating retirement funds, increasing current income, saving for major expenditures, and sheltering income from taxes.

Five: Adopting an Investment Plan-Once someone has their general goals, they will need to adopt an investment plan. This will include specifying a target date for achieving a goal and the amount of tolerable risk involved.

Six: Managing the Portfolio-Once a portfolio is put together, an investor should measure the behavior in relation to expected performance, and make adjustments as needed.

Seven: Constructing a Diversified Portfolio-In order to achieve their investment goals, investors will need to pull together an investment portfolio of suitable investments. Investors should diversify their portfolio by including a number of different investment vehicles to earn higher returns and/or to be exposed to less risk as opposed to just limiting themselves to one or two investments. Investing in mutual funds can help achieve diversification and also have the benefit of it being professionally managed.

Considering Personal Taxes

Knowing current tax laws can help an investor reduce the taxes and increase the amount of after-tax dollars available for investing.

These income taxes have the greatest impact on security investments, which the returns are in the form of dividends, interest, and increases in value. Property taxes can also have a significant impact on real estate and other forms of property investment.

Types of Income-Income for individuals can be classified into three basic categories:

1. Active Income-This can be made up of wages, salaries, bonuses, tips, pension, and alimony. It is made up of income earned on the job as well as through other forms of noninvestment income.

2. Portfolio Income-This income is from earnings produced from various investments which could be made up of savings accounts, stocks, bonds, mutual funds, options, and futures, and consists of interest, dividends, and capital gains.

3. Passive Income-Income gained through real estate, limited partnerships, and other forms of tax-advantaged investments.

Investments and Taxes-Taking into tax laws is an important part of the investment process. Tax planning involves examining both current and projected earnings, and developing strategies to help minimize the level and defer of taxes. Planning for these taxes will help assist investment activities over time so that an investor can achieve maximum after-tax returns.

Employer-sponsored plans can include 401( k) plans, savings plans, and profit-sharing plans. These plans are usually voluntary and allow employees to increase the amount of money for retirement and tax advantage of tax-deferral benefits. These plans generally allow people to defer taxes on both the contributions and earnings until retirement.

Investing Over the Life Cycle

As the investors get closer to retirement, their focus is usually on the preservation of capital and income. Their investment portfolio is now usually very conservative at this point. It would typically consist of low-risk income stocks and mutual funds, high-yield government bonds, quality corporate bonds, CDs, and other short-term investment vehicles.

As investors age, their investment strategies tend to change. Younger investors usually go for growth-oriented investments that focus on capital gains as opposed to current income.

As the investors become more middle-aged, other things like educational expenses and retirement become more important. As this happens, the typical investor moves towards more higher quality securities which are low-risk growth and income stocks, high-grade bonds, preferred stocks, and mutual funds.

Investing In Different Economic Conditions

This involves matching the risk and return objectives of an investor’s plan with the investment vehicles. If there is an experienced investor that can tolerate more risk, then speculative stocks may be right for them. A novice investor that wants a decent return on their capital may decide to invest in a growth-oriented mutual fund.

How an investor responds to these market conditions will depend on the types of investment vehicles they hold. No matter what the state of the economy is, an investor’s willingness to enter the capital market depends on a basic trust in accurate and fair financial reporting.

Even though the government has different tools or strategies for moderating economic swings, investors will still endure numerous changes in the economy while investing. An investment program must allow the investor to react and recognize to changing conditions in the economy. When to make your moves, it is important to know where to put your money and.

Knowing when to invest is difficult because it deals with market timing. Even most professional money investors, managers, and economists can’t consistently predict the market and economic movements.

Stocks and the Business Cycle

When business is thriving and profits are up, stock prices react by increasing in value and returns. On the flip side, when economic activity is diminishing, the values and returns on common stocks tend to follow the same pattern.

Conditions in the economy are highly influential on common stocks and other equity-related securities. Economic conditions is also referred to as the business cycle. The business cycle mirrors the current status of a variety of economic variables which includes GDP, industrial production, personal disposable income, the unemployment rate, and more.

Bonds and Interest Rates

Step 6: Constructing a Diversified Portfolio-In order to achieve their investment goals, investors will need to pull together an investment portfolio of suitable investments. Investors should diversify their portfolio by including a number of different investment vehicles to earn higher returns and/or to be exposed to less risk as opposed to just limiting themselves to one or two investments. Planning for these taxes will help assist investment activities over time so that an investor can achieve maximum after-tax returns.

Lower interest rates are favorable for bonds for an investor. High interest rates increase the attractiveness of new bonds because they must offer high returns to attract investors.

Younger investors usually go for growth-oriented investments that focus on capital gains as opposed to current income. An investment program must allow the investor to react and recognize to changing conditions in the economy.