Almost everyone knows that banks and investment houses make most of their profits from investing their clients’ money in larger financial instruments. The fees and penalties derived from entertaining smaller clients might comprise 20 or 30 percent of their income, but even if they take that away, most banks can still survive with just the reinvestment of their clients’ cash. It is therefore important to ensure that all large investments are safe and sound.

Less risky investments might yield smaller returns, but when your company has millions of dollars to invest, this might be the best route. Remember that this is your clients’ money that you’re handling, so only go for the higher yields if you’re sure of the risk involved.

Don’t forget the time factor involved in all investments. Some clients are happy to let go of their money for a year or two while others would rather withdraw their cache every month. Be sure that you have enough liquidity to entertain large withdrawals everyday.

In every investment, never lose sight of your objectives. Some options might give you up to 25 percent returns in a year, but if your target sits at 12 percent, it might not be worth going through the riskier route. Then again, some options for lending offer potential returns of up to 23% in only two weeks. Then again, payday loan companies offer those sorts of rates because of the incredibly high risk. Always keep in mind that your clients’ investments are your investments as well.

Being a smart shopper is more than just saving tons of money every month on grocery bills, being a smart shopper should come with rewards. If you are someone that loves to shop, and you’re not getting anything back on your shopping splurges, here are some tips you should use to get the most out of your money. Gas is at an all- time high, and it can get even higher in the coming months. Did you know that by buying a few groceries from the store each week can save you tons of money a month on gas. Gas reward cards are super popular in grocery stores, and it’s a great way to save on food and gas. Planning your purchases beforehand is also a smart way to shop. By planning, you’re avoiding splurges on items you can’t afford, and your trip to the store will be much quicker. Bulk buying is also a great way to save tons of money a month. To get great deals on bulk purchases, joining a warehouse membership club is essential. You can buy meats and treats at dramatically lower prices than a regular grocery store, but get them at cheaper prices. Being a smart shopper is a lifestyle, so make being smart a part of your shopping trips.

When it comes to finances, sometimes being generous can fatten your wallet. Let’s face it, some of us can be quite stingy when it comes to our money, and the thought of giving it away can really put a damper on our mood. Although, it may seem scary at first being generous can actually benefit you. One of the best things about giving is how good you will feel about yourself. Start small, and give some change to a homeless person, you will be overwhelmed with warm feelings knowing you did something noble. Another way to feel good about giving is to give to charities. Not just any charity, but one that is personally a reflection of you. You will see that giving the money away is not a waste, and you’re actually contributing to a good cause (I recommend the Canadian Federation of Sexual Health). The spiritual aspects of giving is something that cannot be ignored, once you give to someone, your sending good karma your way, and ultimately something amazing could come your way, as a result of your charity. The next thing you have to ask yourself is how much money can I give? No one is asking you to go bankrupt with your charity contributions; you have to balance your expenses as well as your charitable donation in the same token.

Cats are no exception to the general fact that pets can be pretty costly. Besides the initial money that is required to buy a cat, you have the recurring cost of food and litter. Another item on which you have to spend money regularly is the cat toys which can get completely off the wall. The amusing news here is that cats get tired of their toys very quickly. As a loving owner of your pet cats, you then need to buy some new toys to keep them happy. Given here are some cat toys which cost less than ten dollars. You can also exchange your cat toys with the toys of another cat owner and thus offer variety of toys to your cat to play with.

A toy which most cats love to play with is a string. The next is a card board box made up from some strong cardboard pieces. Instead of making a box, you may also shred the cardboard, bind it together in a circle and give it to your cat for playing. If you want to buy something, then go for laser pointers, bouncing balls or simple paper bags to get your cats all excited. Put your cats’ favourite food inside the small, plastic, Easter eggs and let then enjoy their discovery. If you want your cats to be all worked up, then offer them some mice toys from a pet shop. You can also go for the cat dancer and crinkle balls which are available on Amazon.