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When it comes to hiring kids entertainers for your child’s next birthday party, the problem is often in the choosing. After all, there are so many choices out there! To make things easier for yourself, narrow your pickings down by (1) deciding on a party theme, and (2) taking your child’s age group into consideration.Everything Starts With The ThemeHaving a party theme to work with makes everything easier! When you have a theme, it’s a lot easier to choose the right kind of kids party entertainers. Choosing the food and drinks, the decorations, and the party favours is also a lot simpler when you have a theme handy.Consider The Child’s AgeAnother thing to consider when choosing children’s party entertainers is your child’s age. Younger kids won’t mind having clowns around, so no worries there. Just make sure the clowns aren’t scary — you know how some people are with clowns!It’s often better to offer something unexpected and unfamiliar when it comes to entertainment. Kids may like quieter, more mature, and more creative kids entertainers, such as face painters, balloon artists, comedians, and magicians. Even themed pony shows are great ways to keep the kids occupied throughout the party.What’s Your Budget?There will always be entertainers out there who charge ridiculously cheap rates, and it’s tempting to hire such entertainers when you’re on a tight budget. But remember the saying “you get what you pay for” and a first birthday or a 5th birthday only gets celebrated once, why risk the memories hiring a cheap kids party entertainer (newbie, less experienced performers). It’s a whole lot better to shell out a little extra money for the peace of mind of working with true professional entertainers.Check Their BackgroundHere’s one last tip to consider — when choosing kids party entertainers, check their track record. How long have they been in business? What are people saying about them? Are there any places on the Internet where people have left feedback about them? (Hint: log on to Facebook and see if they have a fan page.)Also, don’t hesitate to call them up. When talking to them, trust your gut – do you feel like you can trust them? Would you be comfortable having these entertainers around your kids?Here’s a bonus tip: If you’re in Australia, check if the entertainer has a Working With Children Police Check (WWCC) card. Also, check if they carry public liability. They are, after all, running a business – make sure they’re 100% legit! While things almost never go wrong at a kid’s party, it’s always better to work with a team of entertainers who are passionate enough about their profession to cover all the bases!

Just because one invests in safe assets does not mean that there is no risk involved. Any low risk investment has a degree of uncertainty in returns and losses. Investors are advised to understand that different perspectives can lead to different investment decisions. To make the right decision, you may want to look at the various strategies by successful persons who have taken on low risk investment.Among the reasons to invest in stocks can be to put your children through education. Your strategy may not be the same when your child is young and when college approaches. When you start early, you may begin with an aggressive strategy but when college approaches you can switch to a more conservative strategy.The other reason is to have financial stability in your retirement. To invest for retirement you may need to avoid online stocks with high unnecessary risks, penalties and transaction fees. To successfully achieve your investment goals a low risk investment strategy is necessary. A high payout investment strategy with low risks is what you should aim to have.i). How you spend your time is important. Time is essential in everything we do and investing is no exception. Spend the time you have where it will benefit you financially. Your time can be spent on saving money that will be invested in stocks later. Budgeting can help you save money to invest in low risk options.ii). Since you are saving money to invest, you may be in a better position to invest money you can afford to lose. This is because you are not going to put all your money at once hoping for a windfall and end up losing the little that you have if the investment doesn’t go your way. You will have enough money to diversify on your stocks portfolio.iii). When investing, consider the risks, income, dividend yield, access to your money and if there are any fees involved. Regular income from your low risk investment portfolio is important. Therefore, you should seek stocks that are safer and from strong stable companies.Investing for income in low risk options aims at providing you a steady stream of income on a regular basis usually annually, quarterly and semi-annually. Since everyone has different circumstances and needs when investing, your investment strategy may not be acceptable for another person.To choose the best low risk investment strategy, you may want to consider your financial position in life, investment timeframe, investment goals and tolerance to risk. Do your research and choose the option you fill most comfortable with. Follow your strategy and soon you will see your money multiply.

Outsourced Investment ManagementIn order to provide a fully implemented investment solution, a company needs to have fully diversified investment strategies which involve having a variety of fiduciary solutions. Non-profit organizations for example will find that leveraging the services provided by investment outsourcing providers will prevent them from having to incur costs related to internal resources as well as other financial constraints that come with in-house financial management practices. Even for a company that hopes to gain strong absolute returns, outsourcing their non-profit objectives which may include seeking top-performing managers and looking for alternative strategies is best and effectively acted upon by an investment outsourcing provider. In the current economic environment, poor performance is a potentially lethal state to be in. Having a provider who understands the challenges faced by organizations in their fiduciary duties as well as one who has the capabilities needed to shoulder the fiduciary responsibility for the organization is crucial. At the same time, an outsourced investment provider will also act as a gatekeeper in managing investment risk by managing cash flows of spending. In other words, the ability for the outsourced investment provider to make discretionary investment decisions based on his pool of knowledge and resource will help him to develop effective strategies in asset allocation, provide meaningful advice, stay current in regulatory requirements and select performing investment managers in fast-moving markets.The scope of work that an outsourced investment provider has to offer, in essence, describes the job of such a provider:Strategic Planning and OversightIn order to offer sound financial advice and implement programs that will help you achieve your financial goals, an outsourced investment provider needs to be well-versed in administrative details and in asset/spending models. It requires an understanding of standards and guidelines that control the markets in which your organization operates in. They will also be in a position to oversee and coordinate the implementation of financial programs by serving as part of the support and advisory team during these implementations. This level of responsibility requires proficiency in the duty of care with the ability to read and understand financial statements and accounting practices.Alternative Investment StrategiesIn order to effectively incorporate alternative investment strategies to an organization’s focus, sophisticated approaches are required. Professionals who have expertise in traditional and alternative investment strategies are extremely important. What are some of these strategies that you want to ensure that the outsourced investment provider has in his portfolio? Experience in diverse debt investment experience which includes distressed debt and debt arbitrage are some examples. A provider experienced in absolute return strategies for example, will know the structure risk exposure relative to public equity market investments. Experience in private markets involves experience in managing capital calls to private funds. Private investment fund are considered an integral part of asset allocation.End-to-end ImplementationIn order to assume the level of liability that comes with transitioning from a consultant to a full-time outsourced investment provider, an extended learning curve that takes into account the complex and diversified portfolio of the provider is needed. These added responsibilities also require the discipline to build and maintain an effective and diverse investment program. It takes important day-to-day decisions of tracking, monitoring and administering details. All these end-to-end implementations must be carried out in a timely fashion and cost-effectively using a rebalancing policy that also needs to be development by the outsourced investment provider.Value-Added Administrative ServicesOne of the top-most reasons why investors take the outsourcing investment approach is the variety of responsibilities that a provider is able to handle. If this is done in-house the overheard costs and the resource intensive approach and strategies required would be overwhelming for most organizations, especially small and medium-sized enterprises. Smaller institutions in particular need to have focused attention on profitability and growth. Customer care and the integration of new investment products and services also takes a lot of time and resources. In order to focus on these core elements which ultimately make or break a company, it is vital that such businesses outsource their administration to ensure that they adhere to the laws and regulations of the state which, if neglected, can cost the company time, money and goodwill – all vital to the success of today’s more accountable and transparent tax exempt institutions. Outsourced investment providers that provide such value-added services play a large role in freeing up a company to improve profitability and enter new markets, whether public or private.Some other outsourced value-added services that a provider may offer can include human resource, corporate support, business development and information technology. The benefits of these value-added services however should be realized without negatively impacting on core elements of the business. When it comes to Human Resource for example, any value-added outsourced HR solutions provided by the investment provider need to be more about the organizational requirements and should be tailored to reflect these needs as opposed to what is happening in the larger economy. Implementing alternative solutions that make more sense for a business will be more beneficial to the business in the long run as opposed to trying to model it to fit a business as a result of pressure from the local or larger economy.Leveraging an outsourced investment provider’s expertise however is not to be taken lightly. You need to make it clear at the outset, what are your objectives. You also need to be flexible since it may require working in a way that will fit your provider’s model or level of expertise. Establishing a structure where the investment provider resides between the layers of the investment committee and managers specialized in their particular areas is key.When the investment provider manages risks at the portfolio level, it is easy for individual managers to focus on their work and leave the diversification decisions to the provider. Such an investment program should be run like a business where costs are kept under control, policies in spending are reasonably regulated and the program is kept on track in fulfilling its objectives.In the end, the question is not whether or not to outsource, but what to outsource. Knowledge and knowledge-management has changed hands and is no longer home-grown. It can now be outsourced to more experienced providers which re-energizes an organization and challenges it to think beyond its resources. Outsourcing investment providers lie at the heart of all of this in assuming non-core functions and value-added services that help redefine an organization helping it grow beyond its in-house limits.BiltmoreMoney.com has the pleasure of working with nonprofits to make their mission go farther.

We all want fabulous budget travel holidays without breaking the bank. Here are three tips that will help you plan your next great holiday while staying on a budget. We’ll go over the months you should target to travel that will give you the greatest travel savings, which type of airports to fly out of, and more general tips to give you the greatest bang for you buck. Let’s get started:1. Try to travel during “Shoulder Season”, a term coined by the travel industry. This is a great time to travel because it’s not High Season, which is when it’s most expensive to travel and most crowded, and it’s not Low Season, when the crowds are not there but the weather is the worst. You can generally save hundreds of dollars, if not thousands, on your vacation just by targeting Shoulder Season because airfare and hotels are cheaper. For example, go to Hawaii in March or September, Tahiti in November, Costa Rica in December, or Baja California in June.2. Use the internet to your advantage. Many airlines, resorts, cruise companies, and hotel websites offer rewards to people who subscribe to their e-mails lists. Usually all it takes is for you to visit their website and find the place where you can enter your e-mail in exchange for discounts, rewards, etc. These e-mail lists are often one of the first or only places to get major, unadvertised discounts. Social marketing is on the upswing and you can follow the airlines, etc. on Twitter to get similar savings also.3. Be flexible with your travel planning. By being open to flying out of a less commercial airport, or staying in a neighboring city that borders the touristy city, you will save money. Many people want to go to San Francisco but cannot afford the pricey hotel rooms in the city. Consider staying in neighboring Berkely and taking public transportation into San Francisco. Neighboring cities often have the same “feel” as the touristy cities, yet the local businesses are more accommodating and even grateful for your business. You are more apt to be treated like royalty because the locals like you being there, rather than being an annoyance, aka “just another tourist”. Minor travel adjustments such as this can save you hundreds on your trip, while still being able to vacation in the city of your choice.I hope this helps you see that the possibility of budget travel holidays can be a reality with a little planning and ingenuity. Flexibility in travel planning goes a long way to huge savings. Be a smart shopper and use the internet. It’s a great resource for budget travel. By following these simple tips, you will be able to have your budget travel holiday.