Showing posts with label Money. Show all posts
Showing posts with label Money. Show all posts

Friday, May 13, 2011

Here Comes the Summer

December2010040Image by srpatterson via Flickr

The summer holidays are always a tough time for parents. The children are off school for 6 weeks. It is difficult to find things to do to keep them amused. Many activities available cost money. Even small costs for each activity mount up over the vacation. A single activity may appear reasonably priced. Entrance fees for a whole family plus drinks and snacks during the day can lead to a fairly expensive day out.

It is therefore important to plan funding for activities during the summer holidays well in advance. There are many savings accounts on the market offering excellent rates. Some require a minimum deposit of just £1. Some also offer unlimited deposits and unlimited withdrawals. Read more about the different types of saving accounts available.

The first problem encountered by all families is childcare over the long school holidays. In this modern age, it is usual for both parents to work. Many employers offer flexible shifts for mothers around the school day. During the holidays the child is not at school which makes it difficult for both parents. Arrangements need to be made in advance.

There are many play schemes all over the country. These tend to be the equivalent of school hours and are just a couple of pound a day. The children will be interacting with others and have lots of different activities to take part in from running around to painting and even making cakes. Day trips are often organized at reasonable prices.

Most families have at least one holiday a year. Days out at local farms, zoos and theme parks are very enjoyable. Some places offer family discounts to make their attraction more affordable. Many newspapers offer coupons or special offers which will assist. It is not practical to visit places every day of the holiday. It is very important to put some money aside for great days out.

Taking children swimming or visiting the local sports centre can be enjoyable for the whole family and relatively inexpensive. They have the added bonus of engaging the children in physical activity. This could also wear children out, making them less demanding for the rest of the day.

There are family activities which can take place at no expense. This may be visiting the local park, taking a bike ride or going on country walks. This allows for great family bonding time. Take a picnic to make a more enjoyable experience.

If the weather is not so good, children may enjoy being creative at home. Have plenty of pens, paper and paint in the home so that they may experiment. Start saving items such as shiny sweet wrappers, bottle tops and pipe cleaners so that collages may be created. Washing up liquid bottles can make fantastic space shuttles. Children are very imaginative and will enjoy playing shops with empty cans and bottles.

The school holidays take a lot of consideration to keep the little ones entertained. Have some money put aside for a holiday and great days out. Combine this with inexpensive family activities such as swimming and walks in the park. Start saving bottles, cans and jars now for activities to do at home. The summer holidays can be very enjoyable for the whole family if they are properly thought through. Money does not need to be spent every day.

This article was written by Sam. Sam is a financial writer based in the UK and currently works for moneysupermarket.com .

Visit Sam's twitter here.

Tuesday, April 19, 2011

Advice for First Time Visitors to the Race Track

Thoroughbred racing at Churchill Downs.Image via Wikipedia

Horse racing can be a lot of fun, but if you are going to the race track for the first time it can be very confusing. And if you decide to make a few bets, you will probably end up losing and may be turned off from the enjoyment of the sport and may never go back to the races. People will tell you that the important thing to remember is that you had a good time. This will always be said after the races are over and you have lost too much money. The last thing a person needs is some type of debriefing on what just happened after the races are over. It is much better to prepare yourself ahead of time and know what to expect.

If you are planning on making any wagers at the track - and almost everybody does - there are three things you must adhere to when you are at the track. One is to not wager too much money and the second is to make only straight wagers. The first rule is very important and is true for any sort of gambling. Set aside a certain amount of money for betting that is separate from money that you will use for snacks, refreshments or lunch. Make sure that you know how much money you are willing to bet and also that it is an amount you are willing to lose in its entirety. If you are willing to lose £50 and there are ten races, then you can make a £5 wager on each race. Keep in mind that you do not need to bet every race. You can risk £20 on four races which is £5 per race, or perhaps you can bet the track minimum of £2 on ten races for a total of £20. But the important thing to remember is to decide on the total amount of money and how much for each race before you have made your first wager.

The second important step to enjoying your first time at the race track is to avoid exotic wagers. These are the type of bets where you pick the winner and the second place horse or the top three finishers. These are called exactas and trifectas. They can have huge payoffs, but are also very difficult to win. Other types of exotic wagers are the Pick 3, Pick 4, and Pick 6. These bets are when you pick the winner of 3, 4, or 6 races. They too have large payoffs but are difficult to hit. It is best to stick to the straight bets on your first trip to the track. These wagers are win, place, and show. A win bet and your horse must win the race, a place bet and your horse must finish first or second, and a show bet meaning your horse finishes first, second, or third.

Claire Jarrett runs Marketing By Web and is writing on behalf of The Sports Investor, who offer horse racing tips and advise on how to make money laying horses

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