What is a Premium Bond?

What is a Premium Bond?

The United Kingdom has a unique way to insure bonds that is very different than the government bonds you buy from the United States. In the United States you buy a bond and after ten or twenty years the government will pay back the original money invested and add interest. For example a twenty year bond will be yield an interest after the time has passed the bond can be returned for the promise payment. The premium bond that the United Kingdom offers can be redeemable for the exact amount it is purchased for at any time.

The interest accrued goes into a public fund in which is saved. The interest is divided and monthly cash prizes are awarded in a lottery style give away. So the more bonds you buy, the more chances you have to win the cash prize. The cash prize is nothing to laugh about. Translated to American money, the first prize on the bond lottery can be over a million dollars.

There are smaller prizes awarded, so if you are lucky you will receive a huge prize instead of the small percentage the American bond market gives you. Premium bonds add excitement to investing. You don’t have to worry about losing your money or waiting a long time to collect the interest. It’s like being involved in a lottery without going to the connivance store to buy your tickets each week. You bond is involved in each lottery and you can cash it in and pull it out of the lottery if you need the money or you do not want to be involved anymore.

Unlike the American government bond system where you will not get the interest if you pull out the money before the stated agreed upon time, the premium bond system allows you to have more freedom with your money. You can have a nice savings account and at the same participate in a lottery that can set you up for life. A machine generates the winners and like the American lottery, you can check online for the results. The results are even listed in British papers with the bond number, not the person’s name who wins it. It may not have the hype that the American lottery has, but it still is more fun than waiting ten to twenty years for an American bond to mature. When the lottery number is pulled the winner is notified within four days of the lottery.

There are even two prizes in the millions, so there is a chance of winning the big money twice a month. Even the smallest amount won is fifty ponds which is about a hundred and ten dollars. That right there is enough to triple the interest earned in the American bond market. The more premium bonds you buy, the more chances you have to winning the money. So if you have U.S. government bonds or an saving account that is pulling in less than three percent monthly, you might want to look at reinvesting the money into premium bonds and have so fun as well as having a chance to win over a million dollars.

, 18/05/2022. Category: General.

Play the Setthi Lotto Online

The word “setthi” has many meanings in Buddhism. It has been translated as “man,” “merchant,” “guild foreman,” “city man,” and even a “millionaire.” The word has various etymologies in Buddhism. In Sanskrit, the word “sresthin” means “rich man,” so the term “setthi” originally meant rich man. It is most commonly associated with wealthy merchants, although it is not a religious term.

Playing the Setthi lottery is a popular way to get involved in the Setthi lottery. It’s simple to do – you pick your numbers and wait for the results. The setthi lottery can be played anywhere in the world, and it offers the same thrill and excitement as a casino. It’s also affordable. And it’s convenient! With its many benefits, you can play it from the comfort of your home or while traveling.

Although there is no guarantee of winning the Setthi lotto, you can play it from the comfort of your home or on the go. You can play online or at various retail locations in India, and you can win millions of dollars! There’s no need to be a lottery master to win a prize worth millions. You don’t need to have a fortune to play the Setthi lotto. เศรษฐี9.com and easy to play, so it’s a great way to spend a Sunday afternoon.

The Setthi lottery is very safe to play. If you don’t have time to visit Thailand, you can still play online. The fees are low and you don’t have to leave your home to win! You can play Setthi online from any country in the world. And if you happen to win, you’ll know exactly what numbers to pick for a quick million dollars. Don’t give up hope – the lottery is still a safe way to win cash!

Playing https://www.xn--9-oxf0dtag7esd.com is easy, safe, and convenient. All you need is an Internet connection and a computer, and you’ll have access to the results at any time of the day or night. You can also check the results with your family and friends. The registration process is free and there’s no fee to play. If you win the Setthi lottery, you’ll receive a large cash payout – just as if you’d won the lottery jackpot.


In addition to a weekly prize, the Setthi lottery is fun and easy to play. You can choose a number from a pile of nine numbers and cash in if your numbers match. If they don’t, you lose your money. It’s a simple way to win extra money, and it’s a great way to spend your free time in the city. Playing the lottery is also a great way to meet new people.

While the name’setthi’ may have several different meanings in Buddhist tradition, its most common usage is for a city man. The Pali equivalents of this word range from banker to guild foreman. It is often used as a figurative representation of a man, as is the case with’sresthin’ in Sanskrit. It is also associated with a wealthy merchant. However, Setthi is an easy lottery game to play in Thailand. If you’re thinking about playing it with family and friends, sign up today!

How To Get Your Horse To Obey You and Look To You For Instruction

How To Get Your Horse To Obey You and Look To You For Instruction

In the animal kingdom there is a pecking order. Richard Shrake points out that it’s a lot like the military. He ranks in the pecking order go from General down to Private. The General will get first pick of the food, decide where to go and when, and so on.
The “second in command” will act just like the General but he won’t pick on the General because the General dominates him. This string of command continues all the way down to the bottom of the pecking order. Any time a new animal comes into the group then the pecking order shifts. Knowing this information, you can use it to your advantage. You can make yourself the leader in the horse’s eyes. He’ll look to you for instruction. He’ll obey you.
If you have a dominant horse it will be instinct for him to let a more dominant being make the decisions. In this case the dominant being will be you. You will become leader by using your body language to show you are confident. Being dominant doesn’t mean you’re being aggressive.
On the other hand, if your horse is the General, you may have to be more assertive. Make sure your horse doesn’t think you’re a threat. It’s easy to come across as threatening when you’re being assertive. If your horse feels threatened he’ll fight back and you can’t win. And if you are doing horse training, you will find it hard to get results.
In the wild, dominant and aggressive horses will make their bodies tight and make sudden moves with fury while getting into the other horse’s space. The weaker horse will concede and move out of his space. Think of it as the General screaming an order and the Private is obeying.
Slow movements tend to draw one horse to another. Horses express calmness with relaxed, slow steps. This is how they welcome other horses in their space.
If a horse is trying to show you he’s the General you may see a clamped-down tail with pinned ears. To get him to accept you as the General you will move him out of his space. You do this by matching any quick moves he makes with your own quick moves. The trick is to make the first strike before he does.
One way to do this is with a quick arm movement towards him – almost like you’re violently shooing away some pesky flies. Also, you can use an aggressive tone of voice towards a horse if he’s being aggressive.
How can you tell if he’s conceding to you? If he turns his head or drops it, relaxes his tail, begins chewing, or takes a deep breath, then that’s how you know. If any of these happen he’s saying, “Okay, I’ll do what you say because I want to listen to you.” Pay attention to these clues that tell you your horse is in the Private mode (the follower) instead of the General mode.
When you go into the round pen to work with your horse first check to see how he responds to you. If he rubs his head on you or swings his rear end toward you then he’s challenging your position in the pecking order. If you’re with a horse that’s not dominant you want to make sure he has confidence. Thus, be very careful not to be threatening.

, 17/05/2022. Category: General.

Investing in Australian Aboriginal Art

Investing in Australian Aboriginal Art

One of the hottest areas of the contemporary art scene in Australia today is Australian Aboriginal art, which is becoming an increasingly attractive option for many investors. The Aboriginal art market has attracted increasing international attention in recent years, and has experienced exceptional growth which appears set to maintain pace in the medium term. Aboriginal art considerably outsells non-indigenous Australian art at auction and has gained significant international standing. It is critical that investors are well informed before entering the Aboriginal art market, however, not only to ensure that investments are made in quality work by quality artists, but also to guarantee the provenance and authenticity of the work.

Australian Aboriginal art has generally proved to be a solid investment over time. Work by important Aboriginal artists has increased in value markedly over the past 30 years, with individual works fetching prices as high $350,000 at international auction. Prudent investors who have developed good relationships with specialist galleries can derive great pleasure from collecting the art of the world’s oldest living indigenous culture, and can also be assured that the artists in question have been treated fairly and ethically, and that their investment is secure.

One of the first considerations when investing in Aboriginal art is a Certificate of Authenticity. Certificates are normally issued by the community where the artist lives and paints, or by the gallery from which the artwork is purchased. Certificates vary in the details they provide, however most include information including the artist’s name, community and language group, the title, story and size of the work, and the name and code of the relevant community art centre or gallery. A photo of the artist with the work is also often included with the certificate.

Many of the factors involved in determining the value of an Aboriginal art work are similar to those involved in any other art work. A particular piece should in the first instance be attractive to the investor on the basis of its immediate aesthetic value, but its current and future financial value depend on a variety of factors requiring careful research. These factors include the renown of the artist and the period of the artist’s career in which the work was created. Other factors particular to the Australian Aboriginal art market include the artist’s age and seniority as a tribal elder, and their role or position in the historical development of Aboriginal art.

Prior to purchasing a painting, investors should research the artist in as much depth as possible. Determine whether the artist is represented in significant collections or galleries in Australia and internationally. Also determine how prolific the artist is, and whether there is strong demand for the artist in the secondary market – in other words, at auction. View as much work by the artist as possible to determine whether the work under consideration is from a well regarded period or series. Works painted during particular periods can be significantly more valuable than those from other periods. Finally, make sure you have an accurate understanding of the current market value of the artist’s work.

If all these factors seem daunting, don’t hesitate to ask for professional advice. The Australian Aboriginal art market is far more open than it once was, with increased competition facilitating a marked improvement in service. Reputable gallery owners, dealers and auction houses possess the necessary expertise and are generally happy to assist new investors. One final point to consider when investing in any art are add-on expenses including transaction costs, commissions, insurance and restoration charges. These costs can be high, so be sure to factor them into the purchase price where applicable.

, 16/05/2022. Category: General.

5 Top Tips To Win More With Any Lottery

5 Top Tips To Win More With Any Lottery

Here’s 5 top tips to bear in mind next time you complete your lottery playslip. They won’t increase your CHANCES of winning – because ONLY more entries can do that.
BUT they can significantly increase the AMOUNT you win when your numbers do come up.
How?
Because all 5 lottery tips are based on avoiding the way a lot of other people pick their numbers. If you pick lottery numbers the same way as most people do, then when you hit the jackpot, you share that prize with everybody else who picked the same numbers.
That can turn a jackpot pool of millions into a prize of just thousands! It happens all too often – so please don’t let it happen to you.
Here’s those quick tips for making sure that your lottery jackpot is the life changing sum you are looking for:
[1] Don’t pick numbers that have already won, especially not from recent draws. Many players believe that winnings numbers are somehow lucky and therefore more likely to come up. Of course that isn’t true, but a lot of people do it.
[2] Don’t pick numbers based on an arithmetic sequences, such as 3, 6, 9, 12, 15, 18, or 01, 11, 21, 31, 41, 49. People like number patterns – you would be stunned at how many people pick this way every single week.
[3] Don’t pick numbers according to a ‘tip’ service. Just imagine how many other people will use the same numbers!
[4] Don’t pick numbers purely according to family birthdays. Enormous numbers of lottery players choose the day of the birthday of family members when selecting lottery numbers. But there are only 31 days at most in a month – which means an awful lot of people pick all their numbers in that range.
[5] Don’t make a pattern on your playslip. Diagonal or straight lines in any direction, star shapes, boxes, zig-zags etc. You might think who else would do that? The answer is anywhere from tens of people to tens of THOUSANDS of people!
The easiest, fastest way to pick better lottery numbers, is to pick them totally at random. So pull scraps of paper out of a bag. It won’t guarantee NOT picking a ‘bad’ set of numbers, but at least there’s a good chance you won’t be sharing your lottery millions with a hundred other ‘lucky’ winners.
Be lucky.

, 15/05/2022. Category: General.

Why do you need a real estate agent?

Why do you need a real estate agent?

Purchasing or selling a real estate is very complex and too risky to invest money. Because of this, it is cleverly to seek for a trustworthy and knowledgeable real estate agent to prevent regrets in the future. There are many reasons why a real estate agent is needed in buying or selling a real estate.

If you don’t have any idea of the procedures in buying a real estate, a real estate agent is the person who can help you. License brokers or real estate agents have a thorough knowledge that can help you ensure the legality of papers and real estate procedures.

If you’re new to the area, do a simple research of properties in the neighborhood. Try to ask some people living their about the amenities and hints about the community. Finding a knowledgeable real estate agent is the best idea. Real estate sales agents have a vast knowledge regarding real estate market in their area. They know the laws and guidelines regarding real estate matters. They also can recommend what is the best for you and your budget.

If you urgently need to buy or sell a real estate, an expert real estate agent can help you. A professional real estate agent has many friends, associate and contacts that can speed up the process if you urgently need to buy and sell a real estate. These will help you save time and effort and can possibly sell you’re real estate property immediately or aid you in finding your target house.

If your too busy working or doing something very important and don’t have the time in dealing with real estate transactions, A real estate agent will serve as your personal representative in buying or selling a real estate. Also, if you don’t have the abilities of a sales person, the agent serves as your spoke person to deal with your business clients.

, 14/05/2022. Category: General.

Complete your home theater setup with home theater seating

Complete your home theater setup with home theater seating

After a full day of work and mind bubbling activities in the workplace, the last entry in a young professional’s diary is to go to a movie theater to relax. The sight and sound of a movie theater relaxes and easily entertains even the most stressed moviegoer. The problem with this however is the fact that even before you reach the movie theater, traffic jam may be a hindrance to your enjoyment. Traffic jam usually makes you more stressed than you currently are. It may be best if you can bring home the relaxation and entertainment. Having to sit and relax with your spouse in your own home theater maybe best to eradicate the tiredness that you feel.

This is why the concept of home theater is born. Because of the growing popularity of home theater systems, you may easily find home theater furniture like home theater seating system and home theater equipments that will suit your requirements. This modern concept is slowly receiving a grand welcome from people because in the end, having home theater set up in your home may prove to be economical. Home theater system including home theater seating that completes the set up is not only available for the rich and the famous.

Slowly, the knowledge of the basic home theater design such as the three major components and home theater seating options is getting to be a concept known to the middle class citizenry. Home theater system with the addition of home theater seating options may be a neat gift of the older people because they can enjoy watching movies even without having to leave the house. Home theater seating options include lumbar back support and motorized reclining mechanism, especially designed for people who need to give their back a rest.

It may be worthy to mention what are the three basic components of a home theater system. You may not need to add home theater seating if the room is quite small, only the three basic components may be able to give you that home theater entertainment you long for. Do not mind home theater seating if you do not have big budget for the home theater system, a recliner may do the part especially if your living room has limited space. The three basic components of a home theater system are television set which should not be smaller than 27 inches; three speakers placed on the right, the left and on the center for a surround sound; and finally, the DVD player, you may need to find one with progressive scan because this will give you sharp images and flicker-free pictures. If you have all these basic home theater components, even without home theater seating, you may be able to experience the almost theatrical experience.

Relax and enjoy the entertainment your home theater system may provide. Sit beside your family in your home theater seating designed to your whole family, the kids will surely love to see a movie with you on your very own home theater system. You may not need home theater seating to complete the set up if the room is quite small. However, if you have a bigger room for your home theater system, including the home theater seating in the set up may be able to complete the best home theater package. You may even add television cabinet to compliment the design and your home theater seating which may be made of the same wood as your television cabinet.

Additionally, because the basic three speakers’ requirement is only good for smaller rooms, if you have a bigger room, you may need to add more speakers. You can even put six speakers and a subwoofer to complete that surround sound you love in a movie theater. All these will complete the grand package of your home theater. You may need to consider high-end home theater seating to help you relax you tired body from working all day. Relax and enjoy life with your family, your home theater system may do a lot of good for you.

The Future Of Video Game Rentals

The Future Of Video Game Rentals

If you are fond of video games but reluctant to buy all the newest flooding titles in the market, well here is the good news for you. Now you can have video games on rent from the video game rental company without the need of investing your hard earned pocket money.

As the gaming industry matures up the video game rental companies are also beginning to rise. Companies like GameFly and GottaPlay are providing their customers with top quality services and hassle free game playing experience. In this article we shall take you through each of these services provide by them.

Gamefly is the very first video game rental company which comes into view in early 2003. The founders of the company were able to discover the niche where there was high demand for the newest and the classic gaming titles were growing and so were there costs.

Sean Spector and Jung Suh who were also the founders of GameFly felt the frustration amongst the hardcore game players due to the lack of verity of the gaming titles available in the market. It was the time when they decided quit their full time jobs to become the biggest game provider of the world within three years. It was an innovative idea to provide online based game rental services to the video game lovers.

Gamefly is the company who has always taken the viewpoint of the passionate game players around the world. Thus they were able to produce set of services which were just as easy and flexible for them. This is what made them become the base of all the online game rental services. What follow are there primary features:

• The video game players want an easy way to get the easier access to both classic and the latest titles

• The players want to keep the game with them as long as they want to and at a reasonable price.

• If the player got a game which he does not want to play or he finds it an unpleasant game he should be given the full right to replace the game with spending no extra money.

• The players receive their favorite video games at their door step and they do not have to go to the video game rental store.

• The players should be given the choice to see the other game reviews, their ratings and feed back so that other gamers can be aware of the bad game and do not waste the time on the game he never wanted.

• The players are given considerable discount while they purchase used games.

, 13/05/2022. Category: Gaming. Tagged: .

I’ve Learned To Love Teen Art

I’ve Learned To Love Teen Art

I have loved art for as long as I can remember. As a child I spent hour after hour doing art projects of all kinds with my mother and my siblings. We would paint, practice sewing or create things out of clay for hours on end. I never knew that the amount of art projects we worked on was abnormal until I got a bit older and heard all of my friends and school talking about their years of playing with trucks and action figures or being outside building forts. I guess our mother wanted us to be well rounded individuals so she started us on all things art from the start. I don’t remember exactly what kind of teen art I created during my formative years, but I do know that it wasn’t until recently that I learned to appreciate teen art.

To the surprise of no one that I knew, I decided to become an art teacher when I went to college. I loved art so much that I couldn’t think of a better way to spend my days than on teaching children and teens more about the things I loved. I enjoyed my elementary aged students immensely from the beginning. I loved their curiosity and I enjoyed the way they saw art. It was the teen art that my junior high aged students were creating that took me a while to adjust to.

The thing about teen art is that it is less than traditional and often it needs to be classified outside of any established genres of art. The teens in my art classes saw art in a much different way than I expected, and hence their work was much different as well. I would give them an assignment and they would create work so unlike what I had asked for and yet so creative that I couldn’t complain.

I have realized that teen art needs to be a genre of art all by itself. Why? I’ve determined that teen art is so unique because of the time of life that it represents. Teens are going through the ultimate time of transition, so it makes sense that their art would have a particular perspective and slant. And as different as teen art can often be, I have learned to appreciate it. I have learned to see it through the eyes of a teenager exploring the world and trying to make sense of their place in the world.

If you have a teenager who likes to play around with any art form, then you probably know exactly what I’m talking about with teen art. In fact, you’ve probably had similar issues in trying to recognize, define or categorize the art work that seems to make your teen come alive. My advice to you is this: teen art is something entirely of its own kind. Stop trying to make teen art into something else, and instead just enjoy it for what it is.

, 13/05/2022. Category: General.

Music Copyright Law

Music Copyright Law

Are You Violating Music Copyright Law?

With the popularity of the Internet, many people are violating music copyright law and do not even know it. Music copyright law can be very tricky. There are multiple music copyrights that you must keep in mind – lyrics, composition and the recording of the music by an artist. Using someone’s music may involve you acquiring many different licenses such as mechanical, synchronization, performance and publishing licenses. Music copyright law has separate copyrights for the vocal or instrumental recordings of a composition or performance and the copyright of the written lyrics and music.

Standard music copyrighting practices usually entail that the writer of the song retains the rights to the right to the music composition which the studio that did the recording of the music holds the rights of the recording. Music copyright law can get very complicated. It can involve negotiations with the writers, producers, agents, heirs and more.

Many artists and studios are upset with the decline in music sales. They are attributing this decline to people who are violating music copyright law by downloading music on the Internet. Music files are under the same copyright law as music recordings and the owners of these copyrights are entitled to royalties or compensation for the music that people are illegally downloading on the Internet.

The simple fact is you are stealing if you make copies of copyrighted music recordings without authorization to do so. If people were sued for the music they have downloaded illegally, it could result in thousands of dollars. Music copyright law states that it is illegal to duplicate and distribute creative work. If you send someone an email with a song that you have illegally downloaded on the Internet, you could be in for some serious trouble. To put it bluntly and plainly, if you download (or upload) music that is copyrighted without permission to do so, you are breaking the law.

Many people violate music copyright law and do not even understand how their actions are criminal. If you purchase a music CD you can make a copy of it for yourself on your MP3. However, if you then use that recording and put it on your website or blog and make it available for everyone to download, you are performing an illegal act. Even if you join a site and pay a fee to download music you are in violation of music copyright law.

This may sound like something that would never come back to haunt you. After all, if you were caught, it would be a first time offense, right? Well, you should know that there have been first time offenders who have been fined up to $250,000 and up to five years in jail for violating music copyright law. It is so much easier to go out and pay 20 bucks for a CD.

Whether you are uploading music or downloading music, educate yourself on music copyright law. No one wants to ruin their financial future and face jail time. Enjoy music, just do it the right way!

, 12/05/2022. Category: General.