I would like to buy and sell shares online

The article will cover some of the rules for buying and selling shares online.
* The first thing you need is bank account and also in Internet access on your computer.
* The set-up with most of the traders is free.
* There is usually a small fee for every trade / transaction (about £1-3).
* The trading itself is easy and intuitive. You will be offered a price for the shares requested and have a couple of seconds (10-30) to decide if you would like to complete the trade or not.
* The actual payment transaction is done a couple of days later (depending on your account settings).
* With some traders there are rules of how many times you could reject offer so you don’t constantly bother them just to check the shares price.
* Some traders also have minimum trade quantity – so you have to buy a minimum of 100 shares for example.
* If you have an account with most of the major banks – you should be able to set up an online trading account with them.
* Do not expect to earn tons of money quickly – it really takes time (and some luck) to be successful shares trader.
* Keep in mind that you could always lose your money (or at least part of it) – so do not invest money you cannot afford to lose.
* There is always chance. Nevertheless - you should read analysis and have strategy for every company you are investing in (to minimize the impact of having a bad luck).

I would like to run a contest online – is it gambling?

The article will cover the contents and the differences and similarities to gambling. When running a contents bear in mind that in the UK:
* “Games of chance” are considered gambling (and should be complaint with the gambling laws), compared to “Games of skill”.
* If you are running a simple contest without entry fee – this is not considered gambling.
* If you would like to run a contest with entry fee and there is an element of luck to select the winner this is considered gambling and you need a licence.
* Running a “Game of skill” does not require gambling licence. In order to run such a game you would: have entry fee or not; have fair competition; luck should not be involved in winning prizes – the winners should be selected based on their entries and work, not based on chance.
* So the short answer is – to avoid running illegal lottery make sure that either the entry is free or/and the winner is selected based on the work provided and not because of any luck involved.

Is it difficult to switch to a new energy supplier?

Usually the energy costs are rising every year. It is always good to keep looking for alternatives and better offers. This article will answer how difficult is it to change your energy supplier and how to do it if you need to.

* Prepare the information you will need.
- You need the current energy tariff your household is on.
- The name of the company you currently use as energy supplier and the name of the tariff are also needed.
- Calculate how much you have spent last year on energy. Please be accurate and base your calculations on the bills you received and not on assumptions.
- You also obviously need your address and postcode.
- Your current payment method – do you prepay, pay monthly or on receipt?
- Your current yearly usage – if you don’t know it – just prepare the amount of money paid yearly.

* Do a little bit of research. You want to know all the energy suppliers in your region and compare their offers. There are website to help you with this. For example:
- Love Money energy suppliers center - http://energy.lovemoney.com/
- Which energy supplier center - http://www.which.co.uk/switch/
(again, you will need your home postcode and the information mentioned above)

* Do not compare only tariff but look for other benefits or financial traps. Be careful looking at the different offers. Go to the supplier website and read more about the offer itself and if there are any “hidden” costs / extra charges.

* Choose a new supplier. Base your choice on the following items:
- What is the tariff that offers the best value for my household needs? Make sure the offer fits the amount of fuel you plan to be using.
- What about extra charges or hidden costs? Be careful and read the offers completely.
-  Is there incentive or any discount, promotional periods, etc... Again, be careful as once the promotion is over you might end-up paying more than what you do currently. Calculate your future energy costs precisely or ask for help.
- What payment options are available? Payment options could impact on your energy costs considerably.
- What is the company overall reputation. Talk to your neighbours and read online about the company and the new tariff you want to switch to. What do they say?

* Switch to the new supplier when ready. Just follow those easy steps:
- Contact your old supplier and give a notice that you would like to cancel their service. Usually it will take a month to cancel completely. You could contact the new supplier directly or by the site you are doing the comparison.
- Pay all of your bills to the old supplier.
- Contact the new energy supplier and apply for the tariff you have chosen. It will take some time to do the switch. And you will have to sign a contract first.
- Keep track of your meter figures and on the day specified by your new supplier make a record of the numbers so they could start measuring.

What is equity

We all know it has to do something with banks and properties. And in this article we will try to describe equity and answer your questions you might have about it:

* Simply said, equity is a financial term used to describe the value of money that a specific person would potentially be eligible to if they were to sell a property and settle all the mortgages, loans and money borrowed against this specific property.
* Equity is a financial term calculating the total assets left after subtracting the total liabilities.
* Equity is also the difference between a property value and what the owner owes against that property in terms of mortgage or loans.
* Equity could be released if person go bankrupt. In this scenario the property is sold on the market and the mortgage and the loans are subtracted from the total value received. The person is granted what is left from the money.
* Equity release could be done via IVA (Individual Voluntary Arrangement). In IVA scenario a person will continue to do monthly payments that cannot go over the maximum that the person could afford to pay. The period usually stays the same and part of the debt/mortgage could even be written off.

How to choose a bank

Choosing a bank could be quite challenging today. There are so many financial trusts owning huge amount of banks. Here are the most important questions to consider when choosing a bank.

* Start by planning and thinking. What do you need from your bank? What kind of financial services? Are you a saver and need better interest rates for your saving accounts or prefer being able to often do overdrafts at better rates?
* Consolidate your accounts. Over time modern business people tend to have too many bank accounts in different bank. The advantage of that is that people are not putting all the eggs in one basket, the disadvantage is tons of admin maintaining and looking after so many accounts. Think about consolidating some of your accounts. Most of the people hardly need more than one current and a couple of saving accounts.
* If you are in the US use comparison bank services like BankRate or FindABetterBank. Compare not only the rates of different accounts but look at the specific terms & conditions and bank policies.
* Look for large and widely known bank is usually safer. The famous banks though usually do not provide the most valuable products. Keep the balance and choose a bank that will provide good terms but is also well known.
* The location and the size of the bank are also important. It really is great to have a bank branch near your home. If you travel abroad often it is also a good idea to choose an international bank with branches in the countries you visit.
* Be careful with the bank fees. Make sure you are choosing a bank that does not make you pay a fee every time you do something with them. Unfortunately banks have the right to change that and even if you start with a bank that does not have regular fees for using ATM, bank withdraws or online banking, eventually the bank might introduce fees in due time.
* Call a bank representative and ask your most important questions. Do not let anybody delude you with vague answers. Be persistent and ask for clear and straightforward answers.
* Consider which products you would be using and do not pay for something you are not. For example there is different kind of insurances but think about if you are receiving any value from your optional products. If not – terminate them.
* Do not be afraid to leave when you find out that the chosen bank does not actually provide value and the services they promised.
* Some banks have specifically designed products for people with a lot of cash. Other banks specialise in providing loans with decent rates. Think about what do you need and choose your bank accordingly.

How to make money online

There are many ways to make money online and here are the most famous ways of earning income via Internet:

* Sell and trade items online. eBay and Amazon could provide you with golden opportunities. Not only, you could sell your own items like CD’s, books, posters, etc... You could also effectively trade there looking for items that sell cheap and then resell them for a profit.
* Blogging. If you love writing valuable content you could create your own blog and start making money by putting advertisements or selling products on your own blog. The easiest way to create income from your blog is Google Adsense, though do not expect earning millions with it.
* Affiliate marketing. If you are good at identifying the right people that need the right items you definitely should try affiliate marketing and make some money online. You could do this in a couple of ways: Promoting products on your own website; Having a list of targeted people and mailing them with great opportunities; Just do the marketing offline and promote online products. If you already have a targeted group interested in specific areas and need a good product just try ClickBank.
* PTC websites. Clicking ads to earn money is a popular way of making income. Just don’t expect to become a millionaire out of doing this. There are many websites explaining how PTC sites work like Online Money. The most famous PTC website is NeoBux, and if you need a review and comments read: NeoBux review.
* Online surveys and tasks. There are many websites to let you do surveys and tasks online and pay for this. Usually they pay in gift cards or virtual cash you could use to buy items. A good example is SwagBucks where you earn points for doing simple tasks and if you are diligent you could redeem $50 gift cards every month.
* Promote your own services. This one is probably the best way to earn a decent amount of money online. If you have valuable online skills like web design, development, SEO, coaching or training you could start building a profitable business. Having your own website is not even a mandatory requirement. If you want to make money as a freelancer try Guru or People per Hour.
* Earn money by various other online tasks. You could make money online reviewing music or movies. Or you could make money online by participating in auctions and then trade valuable items you acquired.

Just don’t forget that making money online pretty much involves the same process as doing an offline business: research and find your niche, lay foundations and build the basics, create traffic and critical mass, start profiting and making income. Don’t be fooled that it will only take a couple of minutes per day. Especially at the beginning of your online business you will have to invest a lot of time and efforts until you could lay back and let the income flow by itself.

What is certificate of deposit

There are many people with saving accounts who does not know that they could profit more if they use certificate of deposit instead. Here is what a certificate of deposit is and why it is advantageous compared to savings account:
* A certificate of deposit is a contract between a bank and another party that allows the bearer to receive interest and the initial deposit after a specific term.
* Certificates of deposit are low-risk and low-return (still usually higher than saving accounts) investment.
* Certificates of deposit are very safe form of investment – you will get your money back and the interest too.
* Even if the bank go bankrupt your deposit is insured (to a certain amount – usually $250k or £100k) and a certificate bearer will still get the money back.
* A certificate of deposit has a term and the interest + the deposited amount is given back after the term is over.
* The disadvantage is that if someone breaks the term and would like to withdraw the money earlier there will usually be a charge for it and the interest would not be paid.
* There are many different types of certificates of deposit – traditional, liquid, bump-up, etc...
* You could benefit from certificate of deposit if you have some spare money you would like to lend for a long-term duration.
* Certificate of deposit is usually better than savings account because you earn better interest. On the other end you can’t simply withdraw your money at any time.