Starting Hands
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One of the most important things to learn when you first start playing Texas Hold ‘Em online is which cards you should play and which you should throw in the muck. In theory this would seem obvious – you get two good cards in your hand, you play; if you don't, you fold. Yet when you take your seat at one of William Hill's many online tables, across from players from around the world, you will need to be thinking with a bit more sophistication that that. Poker is all about decision making and timing, and deciding what to play and when will be a big, big influence on whether or not you win big.  At the top of the tree for starting hands are the obvious: two Aces (“bullets”, “rockets”), two Kings (“cowboys”) and two Queens (“ladies”). There is never going to be a time when you muck any of those hands, but you will also have to be careful how you play them. If you want to get your money's worth from a pair of Aces, you'll have to draw players into the hand. You know you're winning at this point, so why not encourage the rest of the table to feel confident with a small raise, rather than the huge bet your hand would seem to warrant. Get them hooked in, take the flop and once they're committed, you can start really feeding the pot.
Below those three is the somewhat stickier Ace-King. Yes, this might well make you the favourite after the deal but if you do not hit on the flop you could suddenly find yourself on the other end of the scale. Suited, these two make for an even stronger hand, giving you a shot at a nut flush.
After that you get two Jacks, Ace-Queen, King-Queen and Ace-Jack, in that order. All of those hands are absolutely playable but, remember, holding on to a drawing hand (Ace-Queen) after you have failed to hit anything on the flop might put you dead last in contention. Many beginners make the mistake of staying all the way to the bitter end even though their strong starting hand never paid off. That's a great way to lose chips quick.
All this knowledge can be put to good use on William Hill poker. Here they offer a massive range of cash games and tournaments for all price ranges and levels. When the cards are dealt don't get carried away. Take your time to decide what position you're in at the table and what the next move should be.
Tags: Online Poker, William Hill, Texas Hold ‘Em, Two A...
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Frugal Clothes Shopper Tips
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Going clothes shopping can be a stressful experience at the best of times, whether you peruse the elite garments around Oxford Circus and Regent St or trek around the huge shopping multiplexes of Westfields in search of a bargain, its hard work on the mind and the bank balance. Add to this the sound of whining of children asking for some new-fangled object and the inability to move freely for shoppers pushing their way around, and the experience can almost be dreadful. But there are ways to avoid this humdrum, support your local economy and grab a bargain at the same time. .jpg "Image By: bigwibble6") • Visit the Local Charity Shops. These unique clothes stores are heaven for the serious bargain hunter and they are numerous. All good charity shops supply quality goods at extremely reasonable prices and best of all, every penny you spend goes to a worthy cause. There is sadly a fallacy that abounds that charity shops are cheap because the quality of the garments are not up to scratch, they have degraded and are not worth looking at. This is totally untrue. Most, if not all the clothes are screened for damage before they are put on display. And one thing all of these clothes have is character and a story to tell. Take the Cancer Research Charity Shop in Ealing, which on a recent visit had a range of vintage dandy shirts with designer labels, Hugo Boss and Calvin Klein, and were retailed at £ 5 and £7 respectively. There are so many hidden gems in charity shops, so search the rails and pick up a bargain.
• Support Local Vintage Markets. There are thousands of market stalls dotted around the UK, selling everything from antiques, jewellery, music records, food stuffs, general bric-a-brac, vintage clothing and so much more. Take the famous Portobello and Camden markets in London which have grown to have international status; so much so, that people flock to the country to buy goods from these authentic London street vendors year round. If the weather is nice, then there is nothing more pleasant than walking around and having a look at the tables which are chock-full of treasures. Chat to the business men and women who get up early to set up their stalls, who are always amenable come rain or shine. The prices of all the garments here are also cheap compared to the High Street. You can find chiffon dresses, faux and real furs, leather jackets, designer brands, a range of winter and summer hats, scarves, all for hugely marked down prices. Also the vendors are often prepared to haggle, so go in under estimate, use some charm and see what goodies you get.
Tags: Markets, Shop, Charity, Cheap, London
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Online Payday Loans
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There is an age-old debate, whether a weekly or monthly wage is better in the long run to improve your overall solvency and ability to save. It is easy to get carried away with a lump sum at the end of the month and spend too much, too soon. Then there is that huge, terrifying stretch of time between one payment and the next. .jpg "Image By: wsssst") Weekly wages are good for short term bursts of cash, but yet again you are always playing catch up. It comes down to preferences really, and a person's ability to manage their money properly; but one alternative to this age-old system is the Online Payday Loan. Lots of people use them, but are they wise?
Payday loans do exactly what they say on the tin, and are small cash loans that are provided for a small periods of time to supplement a worker's wage. The amount of time agreed upon between the lender usually lasts until the borrower is next paid. These type of loan are readily available online and in stores across the UK, and are becoming ever more popular as the people desire quick money to make ends meet. Using paydayloans.org.uk as a barometer, the prices are said to range from £12.00 per £100 lent on from on the high street, and upwards of £34.14 per £100 for online loans.
But these loans have caused a great load of discord in America, where it an estimate of 5,000,000 customers have been caught in an unenviable ‘web of debt', as they become dependent on repetitive lending to pay for livings costs and meet the surplus charges of the loans. People in the UK therefore need to be fully aware of the potential pitfalls of a loan before they take the first step, and make sure they have conducted their research in advance.
Finally, be wary of payday lenders who ask if you would like to defer payments, and go beyond the repayment date which you both agreed upon, as there are often hidden ‘roll over' charges which include another fee for the month and all of the associated charges you would expect.
Tags: Loans, Debt, Payday, Online Paiement
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Safeguard Your Cash
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With predictions of a double-dip recession and with the Eurozone in shreds, the global situation is still looking pretty damn gloomy. Indeed, it's likely to get worse this year than get better. With that in mind, keeping your money safe should be near the top of your list of priorities. We're talking Internet Security here. You're probably thinking that, what with prices as they are, you're only losing your hard-earned currency to the software maker. Not so. Here, Moneytree investigates the miracle of value computer software.  The fact is, although many banks allow you to claim money back if you become a victim of Internet fraud, they're not likely to accede to your request if it turns out your computer was about as easy to break into as a damp cardboard box. Installing some of this simple yet powerful software will ensure that you don't lose out because of the bank's argument that you had been careless.
Firstly, you need something which is basically capable of detecting viruses on your computer and then removing them. It doesn't need to be the best on the market, and there are a number of free ones if you don't want to pay through the nose, including the popular AVG family of virus protection software. If possible, download one which also comes with a Firewall to assist your Internet and email security.
However, even the best anti-virus programs sometimes let the odd virus slip through the net. They're usually just annoying, such as hijack viruses which hijack your Internet browser and direct you to a website you had no interest in viewing. But if you do get one of these, it is important to act quickly, as these often download other – more malicious – viruses without your knowledge. To keep your computer – and your money – even safer, download a free malware removal tool such as Adaware or Systemcare. That way, if your computer starts demonstrating any strange behavioural habits such as changing your home page without warning, you've already got the software. This is particularly important as some viruses once on the system can actually prevent you from downloading anti-virus software.
So with any luck, you'll stop practically any fraudster getting his hands on your money. And if you can't, at least you can claim it back from the bank without any hassle.
Tags: Protection, security, value, anti-virus, internet
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Cutting the Home Budget
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If you're looking to raise money for something or increase the amount of cash you have to spare, the solution is not always to look elsewhere for it. Often the easiest thing is to modify your spending on a month to month basis and cut down the costs in your budget. But how do you go about doing this? Here are a few areas where people in the UK commonly spend more than they need to:
Mobile Phone Bills
Before you sign that two year contract, full of hidden costs and extras which drive up the stated monthly flat fee, ask yourself – will I actually be using all of these features? Paying for unlimited texts might not be so great if you only send twenty a month. Consider switching to a cheaper model and work out if it will lessen the bills.
Television
There is now lots of competition between TV providers and this activity is great for the vigilant customer. Keep your eye open for new deals that are being offered on TV packages, as many now bundle in internet and landline services too for a vastly reduced rate.
Insurance Policies
Here's another example of an ultra-competitive market which rewards the customer who keeps their eyes open. Insurance is an area which buyers often feel confused by, but it doesn't need to be such a huge stress. Use an online comparison site to check out whether or not you are paying above the odds on your building, content, car and life cover. Don't be afraid to switch if you can get a better deal elsewhere.
Housekeeping
There are lots of other little savings you can make around the home by pinching pennies here and there. While 20p here and 50p there may not seem like much at the time, if you cut those costs consistently across the board it can hugely reduce the monthly bill. Cut coupons and use them, look for what's on sale at the supermarket instead of sticking to your favourite brand and reuse everything you can. This will all translate to more money left over at the end of the month.
Tags: Home Budget, Bills, Insurance, Housekeeping, Cost...
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Find the Parking Spot
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The internet has a knack for joining people from around the globe and linking local communities together. When surfing the web, one can do a number of things like buy used products, find jobs, and though seemingly extreme, share houses.
Now, a commuter can share parking spots that are closer to their work, for sports games or concerts. These services, which can be easily found on the web, are designed link those with a parking space to those who need one.  This comes as a welcome relief to those who waste time looking for a spot every morning and commuting time can be greatly reduced. Parking fees tend to be high, depending on the location, but finding spots to rent around the city are found at competitive prices – around £15.
If you are interested, the first thing to think about is the desired parking location. A handy spot may be available close to work or close to a big event, where spots are hard to come across. Finding them is simple, as various sites lists all locations, times, fees and may even have communication services.
For London commuters, this is perfect because if you live near a busy working area and leave your parking space vacant, you can make some money off it, as well as finding somebody else offering a place near your work. Parking rates are based on daily, weekly and monthly needs. Popular locations include Wembley Stadium, Twickenham Stadium, King's Cross Station or O2 Arena.
This type of parking offers many benefits for all types of drivers. Female drivers have the option of parking on private roads to ensure safe access to their cars at night. To avoid valet parking fees, try parking the car in a local neighbourhood.
To find out more, give it a simple search on the internet and you could soon be saving time, money and lowering those stress levels.
Tags: Parking, Commuters, London, Wembley, Job
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Student Debt
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Student life is championed as a carefree time, with regular nights out on the town, cheap drinks and carefree days. Missing a lecture with a hangover does not result in dismissal, as it could in the world of work. Often people who are caught in the rat race look back on these days fondly. But if you look beneath the surface, it is not necessarily as care free as everybody thinks, if you consider the debt that all students are getting themselves into these days. The numbers are staggering.
The decisions that students make and how they manage their money will stay them for a very long time. The £3000 limit on fees has been scrapped by the government and universities have been allowed to charge as much as they want. This legislation has been exploited all over the UK, with many universities charging the absolute maximum the  y can within the new guidelines. But these fees are out of the control to the student, and they have to pay whatever the government deems fair until something is changed. But one thing the student can control is the loans, bursaries and bank accounts they open in their name. If you match the criteria, a student can often claim maintenance grants which help with the cost of living. But again it is means tested, and not everyone is entitled to this.
Accommodation is also extremely reasonable if organised through the right avenues. One way to find properties is online and great deals can be found on Spareroom, Flatshare and Gumtree. Money can also be saved if a group of friends move into an empty property together, and negotiate the rent with the landlord instead of going through estate agents, who can often charge fees on top for their service.
Students are bombarded with incentives to open up a student account with banks, who offer generous over draft limits which can go up as far as £2000. These sums of money are poisoned chalices to an extent, and it would be advisable to only get an overdraft if you really need one. As once you leave university, there are number of unpleasant usage charges which leech out of the account.
Tags: Student, Debt, Overdraft, Fees, Accommodation.
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Turn Text into Cash
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Do you have a closet full of books? If you don't want or need them, why not turn all of those hard covers and paperbacks into cash? On the website Amazon there are just a few simple steps to sell an old textbook or a not so loved novel from long ago.
First, click Sell on Amazon at the bottom of the main page. Have the book title and description ready, such as paperback, hardback, edition, ISBN number and large or small print. Search by the exact title and description. Add information on the condition of the book (new, slightly used, etc.) and any additional comments valuable to the buyer. Don't worry about speculating over the value of your books, Amazon offers a list price and lets you know what you are up against.  Ultimately pricing is entirely up to you. You can pitch your prices according to this website list price. Now obviously, to sell there must be a competitive price; no one will spend 10 pounds on your tatty annotated school copy of The Great Gatsby. Cheaper books are placed at the top of the list, so that buyers see those books first, which are more likely to be sold. Additionally, set the shipping method: whether you want to handle shipping personally or have Amazon handle all of customer service extras.
In addition there are several other used book websites where a supplier can put books up for sale: Half, Bookfinder, and Alibris to name but a few. This latter site is specifically interested in rare and out of print books – so don't throw books away that you think are of no interest or too worn.
Don't forget that books are not the only product that can sell twice in the used market. DVDs, CDs and even musical instruments can be dusted down, registered in the same way and sold on to a very grateful customer.
Tags: Amazon, Jane Austin, Books, CDs, DVDs
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Survey and Save
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Market research has moved from meeting rooms and corporate suites to the internet, and is now conducted by consumers themselves. Making extra cash by administering online market research surveys can make product research more worthwhile. If you're are a first world super consumer and always keen to analyse the merits of what you buy, then online surveys can offer you the chance to click your way to 3 – 60 Euros in just thirty minutes.
Market research firms host sites that get paid directly by the companies that use them, who then pay the surveyor. Both the United Kingdom and the United States have produced a large number of marketing firms that each choose to focus on a particular industry, and consequently firms need surveyors from individual market sectors. Anyone from the household grocery shopper, a soccer fanatic, a restaurant connoisseur and the legal profession can conduct surveys.  Surveying is a simple procedure once you locate a trusted site and register, and requires about two hours work daily. Whilst not offering an alternative to a regular day job, surveying does offers the opportunity to earn and save extra money.
Surveys can be quick or more time consuming, and can last anywhere up to an hour. If you choose a survey that pertains to a product familiar to you, your opinion will be of more interest to the company. Giving accurate feedback is important to these Marketing Research Firms, as it helps companies directly. You should not have to pay when using Marketing Research Firm Websites, and should be wary of any survey companies that ask for your credit card details, or ask you to buy a product before taking part in a survey, as they are likely to be scams.
Tags: Marketing, Cash, Online, Survey, Site
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For the Love of Dogs
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It's official: walking dogs is now a glamorous job - Hollywood has made it so. On the other hand, dog walking does not have to take place just in big cities like New York or San Francisco. Dog walking can take place in your local neighbourhood. The opportunity to turn this job into small business exists here in Britain too – small or big, the size depends on the  manager. Get creative with a flyer to pass out to local neighbours and passers-by seen with dogs. Use the flyer to outline your experience with animals, your love for dogs, past small business experience and how you are able to cater to the dog's specific needs. You could also offer a trial walk, so that both parties get a feel for the business. This information ens
he owner feels safe in the knowledge their dog will be taken care of, thereby securing good references and subsequently increasing revenue.
Get familiar with the logistics of running a business. Determine how big the business will be. Will it be small enough to be
ures tmanaged and carried out by one person, or larger where you will need more than one employee? Set hours to fit in with the owners' personal time. Hours could be one long available time slot or two slots split between the morning and the afternoon. Decide how to manage financial matters. It's important to charge a fixed fee per walk and additional charges for special cases, which may include: walking multiple dogs, special instructions, dealing with aggressive breeds etc.
Remember that establishing a client base is important. Start with neighbours and friends, who know they can trust you. Once you've established a reputation as a safe pair of hands, people will recommend you to their acquaintances. In addition, pet sitting is a popular trend that could bring in more income. Dog lovers are likely to go on holiday just as much as they are likely to need a dog walker, and if they trust you in walking their dog, it's likely that they'll trust you to look after their house.
Tags: Job, Business, Clientele, Reputation, Service
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