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How to Have a Dream Wedding on a Shoestring Budget

Getting married is expensive, but with the average wedding costing more than $30,000, it is hard to have a fairy-tale day on a shoestring budget. But the good news is you can make your day special without having to take out a second mortgage to fund the affair. So if you would like to get married and you don’t have rich parents to pick up the bill, here are a few tips to help you make your day super special – and cheap!

A Second-Hand Dress

Every bride wants the perfect dress, but designer dresses don’t come cheap. Celebrities like Kim Kardashian can afford couture creations, but the rest of us have to make do with an off-the-peg number. However, even new high street wedding dresses are expensive, so why not look for a second-hand dress on eBay instead? Since a wedding dress is usually only worn once, it should be in good condition and you can always make alterations if the fit isn’t quite right.

Bridesmaid dresses can also be expensive, especially if you want them all to look the same. However, it can be just as nice to have each bridesmaid in a different dress as long as the colors match. Again, look for second-hand dresses or ask each bridesmaid to buy something she likes that fits the theme; at least she will be happy with her chosen dress.

Cut the Cost of a Wedding Reception

Wedding receptions are usually the most expensive part of a couple’s big day. Booking a lavish reception at an up-market venue will cost you a fortune, but if you downsize the guest list and have a garden party at home, it will work out a lot cheaper. Hire a marquee and erect it in the garden in case the weather lets you down. Alternatively, go for a low-key party at the beach: just you, family and a few close friends.

Budget Food and Drink

Instead of paying for a sit-down banquet, fine wines and champagne, opt for a buffet and let guests pay for their own drinks at the bar. Buffets are not usually too expensive if the guest list is low, and as long as you provide a few bottles of sparkling wine for the toasts, nobody will complain too much. And if this is still more than you can afford, either do a big shop at a discount supermarket and stock up on prawns and chicken drumsticks, or ask guests to bring a dish each.

Cheap Honeymoon

Wait until the last possible minute and book a cheap deal on a website such as lastminute.com. It can be a lovely surprise to your husband or wife-to-be. If this doesn’t work for you, go camping and enjoy each other’s company in the Great Outdoors for a few days.

Even if you are planning your nuptials on a really tight budget, it is sensible to think about taking out wedding insurance. Things can and do go wrong, with disastrous results for everyone, so get a wedding policy at Best Event to ensure your big day is perfect.

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World Stocks Slide On China, Oil Worries

Paris (AFP) – World stocks fell on Monday as a weakening economic outlook for powerhouse China and renewed falls in the oil price prompted a sell-off.

Turnover was muted, however, with many operators still on end-year breaks and the key London exchange closed for a bank holiday.

Wall Street was down 0.5 percent in early business and the Nasdaq fell 0.4 percent.

But Disney shares jumped on “Star Wars” record ticket sales and Amazon gained on higher holiday subscriptions in New York.

Also in New York, February WTI oil futures opened 89 cents lower at $37.21, paring the previous week’s short-lived gains.

European oil stocks and some industrials came under pressure from the twin impact of weak oil prices and ominous slowdown signs from Asia.

In Paris, the CAC 40 extended opening losses to show a 0.7 percent drop, while Frankfurt’s DAX was off 0.6 percent in mid-afternoon.

US and European markets had refrained from major swings in their final sessions Thursday before the festive break, avoiding fireworks after heavy volatility in the preceding days.

“The between-the-holidays period has never been much of one for big movements in the financial markets,” said Barclays Bourse analyst Philippe Cohen.

In Asia, markets broadly fell as a decline in profits at China’s industrial firms reignited worries about the world’s number two economy, but bargain-buying helped Tokyo snap a five-day losing streak.

Industrial profits slid 1.4 percent to 672.1 billion yuan ($104 billion) in November, according to data released on Sunday by China’s National Bureau of Statistics.

“We see weakness across industries, with few signs of improvement,” Steve Wang, chief China economist at Reorient Financial Markets in Hong Kong, told Bloomberg News.

The fresh figures weighed on mainland markets with Shanghai down 2.59 percent and Shenzhen off 2.18 percent by the close.

Shares in China Telecom dropped as much as three percent after news its head was under investigation for “severe disciplinary violations”, the latest high-profile target in a corruption crackdown.

On currency markets the dollar rose to 120.53 yen from 120.19 on Friday in Tokyo, as investors bought back the US currency after it hit a two-month low against the Japanese unit last week.

A weak yen is a plus for Japanese exporters, as it boosts their repatriated profits and competitiveness overseas.

Dealers largely ignored a 1.0 percent decline in Japan’s factory output in November — after two months of gains — announced by the government shortly before Tokyo opened Monday morning.

The disappointing data comes after separate figures last week showed still-weak inflation and household spending, as the world’s number three economy struggles to stage a recovery.

– Key figures around 1445 GMT –

Tokyo – Nikkei 225: UP 0.56 percent at 18,873.35 (close)

Hong Kong – Hang Seng: DOWN 0.99 percent at 21,919.62 (close).

Sydney – S&P/ASX200: closed Monday for public holiday

Euro/dollar: UP at $1.0974 from $1.0965 Friday in Tokyo

Dollar/yen: UP to 120.28 yen from 120.19 yen Friday in Tokyo

New York – Dow: DOWN 0.5 percent from Thursday at 17,471.43. Closed Friday for Christmas.

London – FTSE 100: UP 0.2 percent at 6,254.64 Thursday. Closed Friday for Christmas and Monday for a public holiday.

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A Reverse Approach To Choose The Right Penny Stocks – Part I

Okay, here we go! I was recently listening to a video of Tim Ferriss talking about how to learn things better and faster by looking at the learning process in a different way. In his discussion, he noted that chess champ Bobby Fischer learned how to truly master the game by starting from then end–playing a King and a pawn against another King. In the same way, Tim himself learned how to excel at tango by not learning the male’s moves, but by learning the female’s moves instead.

So, I’m going to take a completely new way of looking at penny stocks: I’m going to learn how to LOSE money first!

I think that if you can learn how to lose money first–and learn all those mistakes that people make when getting into penny stocks–that that information will be the MOST firmly imprinted in your mind. Think about it: if you’re like 99% of the population, you’re at least intrigued by “get rich quick” schemes, of which I’ve heard penny stocks are a great example. But, at the same token, there must be money to be made at penny stocks or else nobody would trade them, right?

That’s my working hypothesis, which dovetails with my other hypothesis, that people that lose money at penny stocks are beginners who focus too much on the “get rich quick” part and are drawn in by the lure of big bucks fast.

So, back to the beginning: if we learn how to lose money and what NOT to do, and that’s more heavily imprinted in our brains by learning those facts first, the chance of losing money is going to be much, much lower.

Next, having to learn what NOT to do, we need to learn WHAT TO DO. In order to accomplish that, I’m going to subscribe to Tim’s idea of breaking the task–choosing what penny stocks to buy–into “minimum learnable units” (MLU’s), that is, the chunks of the task that are easily definable and can be separated into different units. I hope to be able to pick out maybe 5 o 6 MLU’s in the analysis, but no more than 10. Then, I’m going to use Pareto’s Principle (20% of the effort gives 80% of the results, so focus on that key 20%), to figure out which of that handful of MLU’s is key to giving the 80% of the results and learn that first.

My thinking? If we can learn what NOT to do when picking what penny stocks to buy and then learn what few elements are the absolute key to getting an 80% result and learn that element or elements very, very well, we’ll be able to make some money!

Think I’m on to something? Or just think I’m crazy? Respond below and let me know what you think.

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Where To Look For The Best Penny Stock Picker Reviews?

Several investors are turning to broadcast, print and online media for information about investment strategies and best penny stock picker reviews. These resources are providing investors with excellent analysis and expert advice to make them stay on top of the trends and ahead of everyone else on the curve. The task of determining which kind of stocks is the most progressive and most picked is more challenging. A stock investor will have to gather as much information as he could from numerous reliable resources and sites before he could finally paint a clearer picture of what is going on.

Without the counsel and advice of a good stockbroker, the very first avenue where several investors search for good stock picks is the powerful Internet. There are numerous websites whose primary purpose is to provide stock investors updated information regarding a company’s opportunities, challenges, business plans and finances. These sites offer users a day-to-day update of stock trends with highlights on “hot” stocks. These websites’ best feature, by the way, is an exclusive access to discussion forums and chat rooms. Read more

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Shanghai, Hong Kong Stocks Up After China Reform Pledge

Hong Kong, Dec 22, 2015 (AFP) – Shanghai and Hong Kong stocks climbed Tuesday, tracking a Wall Street rally and following pledges from China’s leaders to push fresh reforms to shore up the world’s number two economy.

The benchmark Shanghai Composite Index rose 0.26 percent or 9.30 points to 3,651.77. The Shenzhen Composite Index, which tracks stocks on China’s second exchange, added 0.92 percent or 21.64 points to end at 2,379.63.

In Hong Kong the Hang Seng Index gained 0.18 percent, or 38.34 points, to close at 21,830.02.

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US Stocks Rise As US Growth Meets Expectations

New York, Dec 22, 2015 (AFP) – Wall Street stocks opened higher Tuesday after US data showed third-quarter economic growth in line with expectations at two percent.

Five minutes into trade, the Dow Jones Industrial Average was at 17,302.79, up 51.17 points (0.30 percent).

The broad-based S&P 500 rose 6.12 (0.30 percent) to 2,027.27, while the tech-rich Nasdaq Composite Index gained 11.07 (0.22 percent) to 4,980.00.

The estimate for US growth in the July to September period was shaved from 2.1 percent to 2.0 percent, in part because of lower business investment in inventories.

The report showed personal consumption expenditure, which drives about two-thirds of the activity in the US economy, rose by an estimated 3.0 percent. Barclays rated the consumption spending as “solid.”

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Hot Penny Stocks By Microcap Millionaires – A Review

Microcap Millionaires was designed and developed by Matt Morris. Its purpose is to make private investors in the stock market for more money. One of the strategies that you use the pump Microcap Millionaires Penny Finder strategy. As complex as the stock market today, this sector needs planning strategies for planned operations. The design of the pump Finder Penny is done for this type of strategy and planning. In fact, this type of system looks great on rookie investors.

Microcap trading can help you earn big money, but this only applies if you are able, good penny stocks can be found. Find a good penny stock, you can eat your time for many retailers Microcap Millionaires newsletter if subscribe to information both within WHO MicroCap stocks in the world. Read more

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Oil Prices Fall Again As US Rig Count Rises

New York, Dec 18, 2015 (AFP) – Oil prices fell for the third straight session Friday as a higher US drilling rig count added to gloom over a market glutted with petroleum.

US benchmark West Texas Intermediate for January delivery dropped 22 cents to $34.73 a barrel on the New York Mercantile Exchange, a fresh low since February 2009.

In London, Brent North Sea crude for delivery in February fell 18 cents to $36.88 a barrel. Read more

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US Stocks End Volatile Week Sharply Lower; Dow -2.1%

New York, Dec 18, 2015 (AFP) – The Dow dropped more than two percent Friday as US stocks finished a volatile week sharply lower due in part to worries about falling oil prices.

Shortly after the closing bell, the Dow Jones Industrial Average was at 17.126.92, down 368.92 points (2.11 percent).

The broad-based S&P 500 fell 36.46 (1.79 percent) to 2,005.43, while the tech-rich Nasdaq Composite Index lost 79.47 (1.59 percent) at 5,923.08. Read more

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Six Tips for 401k Investing in Today’s Volatile Market

With the recent volatile financial markets, many 401k plan participants are asking for guidance on how to manage their 401k plan assets. To help answer provide some guidance, Charles Schwab & Co.* has released these six tips from Senior Vice President Mark W. Riepe, CFA. Participants should keep these tips in mind as they manage their 401k in today’s unpredictable market.

Here are Mr. Riepe’s six tips.

Keep Doing the Right Thing

Continue to make contributions to your retirement accounts. Our economy isn’t the greatest right now, but the fact remains that practically all of us will retire from the work force at some point in our lives. Even those of us who love work and can’t imagine doing anything else will come to a point where we can’t work any longer. Read more