Planning For Emergency Financial Situations

Emergency financial situations can happen to anybody and any financial arrangement exercise is not ideal without planning for such occasions. The whole idea of having an emergency fund is to offer a cushion against any unexpected expense.

This will ensure it does not have any negative impact on your financial condition and does not rip off the whole financial security.

There are many circumstances which can cause a financial emergency such as a sudden illness, accident, medical emergencies, emergency house repairs, loss of a job, emergency car repairs and much more.

The major reason for having an emergency fund is very clear because when a person falls into an emergency financial situation, they will have to break their savings or make a compromise to get the needed money.

It’s not rare to find people who just take out their credit card and swipe it for hard cash. Opposing popular opinions, credit cards are the worst way to fund any financial emergency. The fastest way to get thousands of dollars its to get a car title loan it is not a long-term solution but a short-term solution.

In a circumstance where you’ve taken a cash advance with your credit card to get the needed money, the credit card company will charge you a cash advance fee with an interest rate. This is a very costly way to borrow and manage finances for emergency situations.

Therefore, what is the best amount that should be set aside as emergency money? There are diverse opinions on it. Some professional’s experts agree that a minimum of 3-6 months’ worth of monthly income should be set aside for an emergency situation. This amount can differ according to marital status, the size of family and lifestyle.

Everyone must reserve some extra cash in case of emergencies. But, the amount to reserve depends on your income and monthly expenses. The amount that is needed for your emergency fund is open to debate, the minimum amount should be sufficient to cover your expenses for daily living for at least 3 months. It’s also ideal to save for 6 months even though some financial advisers agree on a full year worth of cash.

These funds must be kept aside in an instrument, which is easily available when needed. It could be money in a bank account, hard cash, liquid funds or fixed deposits. This will ensure the fund is always accessible instantly or within a short period when it’s needed.

Where to Keep the Cash

Your situations and what can offer you peace of mind are the factors that can help you determine how cautious you want to be. Keep your emergency fund somewhere that is safe and accessible because you may be required to get the cash in a hurry when an emergency arises. The best option you’ve is to open a money market account or savings account. But, always examine their offer with regards to the interest rate, minimum balance, and other terms.

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Restaurant City is a 2D social restaurant management game that allows players to start and run their own restaurant from the ground up. Re-arrange and design your new restaurant with a variety of decorations. Hire a complete staff made up of friends, set the daily menu, gather ingredients, and keep the customers happy. Although comparable to other games like CafĂ© World and Pet Society where players can cook up savory meals in Restaurant City it’s all about the ingredients. Players buy, earn, trade, and even grow necessary recipe ingredients to create meals. Work with or compete against neighbors for the position of the top restaurant on the block.

Starting Your Own Restaurant, the Gameplay

In Restaurant City players are in charge of their own fully functioning restaurant. Each player starts out small with several tables, chairs, and stoves. Before the game can begin users have to hire some of their Facebook friends to work for them. A quick click on their avatar and then desired job will accomplish this task. Once all of the waiters, chefs, and janitors have been assigned players are ready for business. Restaurant City has a helpful Open Hours feature that allows players to choose opening and closing hours to fit into their playing schedule. This option prevents users from having to rush and log back in simply to check on their restaurant. There are various shifts available for managers to choose from. Each shift has a coin fee. Shorter shifts earn more profits since they’re cheaper. Players can schedule their employees to work any length of time from 30 minutes to 24 hours. Employees complete tasks automatically following their assigned duties. Janitors clean up spills, waiters serve meals, and chefs stay busy behind the stoves cooking. Players take on more of a managerial role so the gameplay is fairly slow paced. Coins and XP are earned through leveling dishes, serving customers, and visiting neighbors. Players spend most of their time using strategy to boost their rank, collecting necessary ingredients, and decorating. Each restaurant has a popularity number. The more satisfied customers the higher the rating will go up. Users have to figure out how to balance the staff in a way that will serve all of the incoming customers in a timely manner. Customers who have to wait too long will walk out and decrease the restaurant’s popularity rating.

The Ingredient Hunt

Restaurant City has a very diverse menu. It’s divided into four categories consisting of a starter, main, dessert, and drink. Players can serve customers Tuna Steak with Vegetables, Russian Cappuccino, Lobster, Hamburger and Fries, Pink Lemonade, Mango Pudding, Pork and Apple Chops, Chocolate Cake, Beef Enchilada, or Strawberry Milkshake. In order to cook a variety of meals, ingredients are needed. The ingredient market is limited and very expensive. There are only three items are on sale per day for coins. The rest of the ingredients require Playfish Cash to purchase. If a player doesn’t want to spend real money for common items like water, ice, bread, butter, flour, sugar, cheese, and eggs than they have to rely on their neighbors and other methods to obtain them. Players can receive ingredients daily for free by logging in and correctly be answering the Food Quiz. The questions often vary from real life cooking techniques to food trivia. It’s quite challenging. This is a unique feature in the game that educates players in a fun way. In Restaurant City an option to a garden is available similar to the game Pet Society. Players can grow their own fresh ingredients. The garden lot expands as a user levels up. Although it’s a nice touch there is no choice in the type of seeds that you can plant. A mysterious bag of unmarked seeds will produce random spices, vegetables, or fruit when ripe. New dishes can be learned and leveled up to increase XP when all the required ingredients have been collected. Neighbors can assist in the hunt for ingredients as well.

Checking Out the Competition

In Restaurant City friendly competition and friendship work hand in hand. Players can visit their friends’ restaurants to help out or take a trip to a random street to see how other restaurant moguls businesses are operating. Visiting neighbors can earn coins, XP, and a free ingredient. Remove trash from their floor like spilled soda cans, discarded pizza slices, and banana peels by clicking on them. Sometimes their restaurant may have a nasty leak, a blazing fire, a penguin invasion, a sleeping bear scaring away customers, or giant mushrooms in the garden that requires immediate attention. The first time a player visits a new neighbor they earn one free ingredient. This makes neighbors an essential part of gameplay. Users must rely on friends to earn a significant amount of XP to level up and to receive ingredients which can be tedious at times. Players can also trade ingredients with each other by clicking the Ingredient Trade icon. For some players who do not like to depend on their friends to advance in games constantly joining neighbor adds lists and bargaining for ingredients can be exhausting. All neighboring restaurants on the street are ranked in order by popularity. This system lets players know exactly how their restaurant measures up when compared to their buddies. Restaurant City takes full advantage of its multiplayer aspects allowing users to travel to random streets with players who are not neighbors and rate their restaurants.

Everything but the Kitchen Sink

The customization in Restaurant City is exceptional. Everything can be personalized from a player’s avatar to the minuscule details in the building’s exterior. Users have the option of keeping their avatar basic or personalizing it. Give your avatar a rock star Mohawk, a Princess Leila hairdo, villain attire, or cool shades. The game has dozens of various themes to choose from including a Roadside Diner, Saloon, Moroccan, Medieval, Eastern, Chinese, Japanese, Mexican, Psychedelic 60s, and Victorian style. There are also some fun unexpected designs like the UFO, Zombie, Ghost, Anime, and Princess available. It’s possible for players to create any kind of restaurant they want. The necessary basics like chairs, tables, stoves, toilets, and even drink dispensers come in an assortment of customized styles. Depending on the theme or desired look users have hundreds of items that they can add to renovate their restaurant. Click and drag new patterned tile floors, colored wallpaper, arcade machines, dividers, walls, aquariums, stereos, and arcade machines. The outside of the restaurant can be redesigned also. Change the building size from a small size to a behemoth building base. Attach various roofs or use decorations like a roving spotlight, balloons, lanterns, flags, flowers, canopy, menu signs, bouncer, benches, robot chef, and a magical unicorn. A very cool feature in Restaurant City is the music player that can be customized as well. Users can change the default elevator melody that plays over and over again to a catchier tune. Choose from the classic Pineapple Overture, upbeat My Irish Heart, Asian-inspired Delicate Spring, Latin Fiesta Brothers, or the cool mellow Lounge Lizard Slide.

Final Verdict: Great

Players participate in a competitive world overcrowded with restaurants all vying for top rank. In Restaurant City users have endless possibilities for customization. There are also some very cool features that keep the game entertaining. Explore the virtual streets in search for ingredients, listen to the music player while menu planning, message friends, or test your knowledge as a foodie in one their quizzes. It goes beyond other similar games like Cafe World or Pet Society by adding more social multiplayer options like the ingredient neighbor trade system. The slower paced gameplay with the Open Hours setting for scheduling play makes it perfect for busy gamers.

Online Gambling Versus Traditional Gambling

There are many different forms of gambling from betting at the horse races or for your favourite sports teams or trying your chance at a casino game. And with today’s age of the computer you can gamble online at any of the many online sporting or casino websites. So how does online gambling compare to traditional gambling.

For starters, online gambling can be done in the comfort of your own home providing you have a computer with an active internet connection and use of a credit or debit card. And so there is little or no travel involved. Traditional gambling requires travel to the gambling site. And many people have enjoyed a gambling opportunity at Las Vegas or Atlantic City or just at their local casino or race track.

Secondly, you have to join up with the gambling website you are interested which means filling in a form and is usually free. You do not have to join or fill in any of your details with traditional gambling.

Thirdly, you can concentrate completely on your online game because there are no noisy people, no cigarette smoke and no drunken people which could annoy you. You have the peace and quiet of your own home if you desire. However with traditional gambling you are around like minded people doing the same thing and this creates atmosphere. It is a chance to get out and socialise with friends and have an enjoyable outing.

Fourthly, as each online website is competing against each other then they offer bonuses in order to entice people to join their website. And the bonuses can be large depending on the amount of money you bid eg large amounts of money or free holiday somewhere.
Do you get bonuses at traditional gambling locations? No

Fifthly, with online gambling websites, you are not obliged to tip employees. In real casinos for example, you will be obliged to tip waiters, dealers and other employees for a better service. This however could vary between different countries.

Sixthly, the online casino gambling experience may even surpass the physical casino experience as they have very strict rules and regulations.

Lastly, on online gambling websites your money is safe in the account you set up as they have high security. This is as long as you have taken your own safety precautions with antispyware and antivirus protection installed on your computer and that you have joined a licensed and regulated online gambling website. With traditional gambling you could run the risk of your money being stolen, so you just need to look after your money carefully.

These are the seven points comparing online gambling with traditional gambling. They each have a place depending on whether you want to go out for the night with friends or gamble quietly in your own home for as little or long as you like.