How to throw a Poker game in your Home without

How to throw a Poker game in your Home without your wife finding out

It is not uncommon for a man to want to have a night out with the boys, maybe play a little poker. It is also not uncommon to have the plans of men thwarted by their wives.

To help with this problem I am telling you the secrets about how to have some harmless fun at home without the wife catching on.

The best way to get rid of the wife so you can have a little Man Time is the easiest but most expensive way to do it. For her birthday you get her and one of her friends a trip to a weekend spa place.

Your wife will think you the best hubby ever and will never suspect you are going to throw a poker game in her absence, and the best part of this plan is that when it is over your wife will be so grateful for what you have done she may be more inclined to allow you to go out with the boys more often.

The next way is a little complicated and will only give you 4 or 5 hours of time at best, but it is much less expensive then a trip for 2. It may seem a little childish and yes I also have seen it on TV but a scavenger hunt scam can work.

The trick to the scavenger hunt is that each spot has to mean something. An example would be the first place you ever went on a date as one of the places she needs to go.

The end of the game is the most important make the last stop a restaurant and make sure to be there before she does. A good idea is to try to think of something meaning full in the area of where you live so you do not have far to drive, this will leave you the maximum amount of time to lay poker with your pals.

I have to admit this is not the ideal way to play poker, but getting away with even an hour of poker without her knowing is more excitement than any regular poker game could ever be.

Now that you have a plan to get her out of the house you need to be ready to go. The most important part of this is a large plastic drop cloth. This is so that if anything spills it will be simple to clean up.

Make sure you are ready to go with the table and chairs and make sure they get put back exactly the same as when you took them. You may want to use a digital camera to make sure you remember exactly how everything was before the game, because I promise you that you wife does.

If you send your wife on the trip I do not recommend using a cleaning service right before she comes back. If the house is too clean she will know something funny is going on

The last two tips I have is to make sure that you have a really nice gift around at all times just incase she finds out, and the other is that if your wife and your friends wives are friends do not invite those friends, if one guy gets caught you will all get caught.

Good Luck.

Loans for Self-Employed

One of the most fundamental details that all banks will look for in all loan applicants is a steady, dependable income. The amount of this income will decide how much the applicant will be granted. If there were no dependable income, then on the face of it, it would appear to a lenders calculation, that the loan amount should be zero. This is the traditional method of calculating personal loans.

Self Employed Business Loans

Business loans are calculated on a different basis. They do not need to show guaranteed income. In fact to do so would be impossible for most business. So banks came up with an alternative way of calculating business credit worthiness. This involved assessing past earnings, assets, debt and liabilities. A similar model is now in place for self-employed loan applicants. Instead of showing them evidence of your salary, you can instead show the bank what business youre in, how much youve been earning and for how long, how the business is likely to continue and current debts and liabilities. All of this information will then go into assessing your income, your risk, and how much you can afford to borrow.

Difficulties Being Self Employed

There are still some difficulties involved in borrowing for the unemployed. For example, if you havent been in business for very long, it will again become difficult for lenders to assess your level of risk. Usually they can get a pretty accurate picture of what your earnings are going to be by looking at the amounts of previous years. If the income has been steadily increasing or decreasing, they may wish to take this trend into account but basically, they will be assuming that you continue on as you have been trading thus far. This becomes impossible if your business is very new. There will be no trading record or past earnings to rely on.

Another difficulty that you will face is that many lenders may still treat the self-employed as a greater risk than traditionally employed. It is a simple fact that new business fail more often than more established businesses. They also fail more often then lay-offs occur. So the risk may still be treated as greater and this will be indicated in the terms and interest rates you receive.

The Future

All this seems to be changing as employed people switch from job to job more frequently than before. This makes them less reliable, and the self employed are gaining a reputation as good borrowers, the rates you receive should begin to get closer and closer to those of salaried applicants.

Cut Your Utility Bill

Well, were all reeling from our utility bills. So, what can be done to cut energy costs?

Obviously, the best way to cut your utility bill is to go with a non-utility company source of energy. Solar power can be used to warm your house, while geothermal can be used to cool and heat the home. While these are great choices, there are a few simple steps you can take to cut that monstrous utility bill.

Vent Covers In most homes, there are rooms that rarely get used. A very simple and very cheap way to cut your heating costs is to isolate those rooms from the rest of your home. To do this, you should close the vents in the room. The vents, however, rarely close well. To make the strategy effective, you should buy vent covers and place them over the vents. The covers are a form of plastic and keep heat from coming out of the vents. Next, close the door to the room in question and leave it. By using this strategy, you can effectively make your home smaller by excluding the square footage that has to be heated. The smaller the area, the small the amount of money to heat the home.

Windows Windows are the single biggest energy wasters in your home. Your windows must seal tightly. If they dont, heat will escape out of them causing your heater to fire up over and over. If you make sure your window fit tightly into the frame when closed, you can significant cut the utility bill. It sounds like a small thing, but it really ads up.

Programmable Thermostat Heating your home accounts for fifty percent of your utility bill. While a warm home is necessary for basic living in the winter, the home doesnt need to be heated all of the time. If there are periods during the day where nobody is home because of work or school, a programmable thermostat can be used to slash your heating costs. Simply program the thermostat to turn off during the relevant time and turn back on before anyone gets home. Cutting four to eight hours off of your heating needs each day will add up quickly on your utility bill.

If your utility bills are completely out of control, there is something fundamentally wrong with your home. You need to go ahead and get an Energy Audit. An auditor will come out and inspect your home. They can then identify the problem, what should be done and provide other tips to slash your bill. Depending on how bad your situation is, an energy audit can cut your utility bill by 50 percent or more.

Power costs are high and expected to continue to increase for the foreseeable future. Take steps to cut your utility bill now and youll reap the benefits for years.