October 22, 2011 /24-7PressRelease/ — The tornado that touched down in Joplin, Missouri earlier this year reminds us just how devastating natural disasters can be. This deadly tornado not only destroyed countless homes, but also decimated a number of Joplin businesses in the process.

In a statement to CBS News, Rob O’Brian, president of the Joplin Area Chamber of Commerce, estimated that as many as 300 businesses were lost due to the tornado – affecting as many as 4,000 jobs.

Many of the area’s largest employers, including national chains and large businesses, have pledged to rebuild. Even small, local businesses are refusing to give up and plan to use their insurance proceeds to start over.

Businesses fortunate enough to have tornado damage coverage in their insurance policies may at least have the option to rebuild, but what can they do about their lost business during the time it takes to start again?

Business Interruption Insurance

Even if businesses have the option to rebuild, many cannot afford to be out of business for months at a time. The lost income may doom a business to failure before it ever has a chance to get back up and running. Business interruption insurance was created for situations exactly like this.

The basic purpose of business interruption insurance is to compensate a business for losses arising from an interruption of normal operations due to the destruction of the business by a covered hazard. Generally, business interruption insurance preserves the continuity of the business’s income and places the business in a position it would have been in, had there been no interruption at all – basically it covers the business’s lost earnings and additional expenses incurred during the interruption.

As with any insurance claim, it is important to obtain an independent review of your damage when disaster strikes. If your business has recently been destroyed or damaged in a natural disaster, contact an experienced attorney in your area to assist you in getting the compensation you are entitled to from your insurance provider.

Article provided by Doyle Raizner LLP
Visit us at www.doyleraizner.com

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ANN ARBOR, MI, October 22, 2011 /24-7PressRelease/ — by: Edward Macey

A recent ruling from Sixth Circuit Court of Appeals specifically confirms that the federal civil rights laws protect certain volunteers from discrimination at work. The case brought by a volunteer firefighter against the Middlefield Fire Dept. was originally thrown out before trial by the lower court. The Appeals court ruling reverses the lower court and sends the discrimination case back for trial, based on a determination that the law’s protection against discrimination and harassment for "employees" includes employees who are unpaid.

The plaintiff in Bryson v. Middlefield had alleged sexual harassment in the form of unwanted advances by her supervisor which led to her eventual termination when she rejected the advances. The volunteer firefighter brought suit after the EEOC issued her a Notice of Right to Sue after concluding that there was enough evidence that she was "sexually harassed and subject to a sexually hostile work environment." The volunteer "employee" brought her suit in district court, where the fire department argued that Bryson, as a "firefighter member" could not be considered an employee because firefighter members were volunteers; and not "employees" under Title VII. (Title VII of The Civil Rights Act of 1964 prohibits employment discrimination based on race, color, religion, sex, and national origin). The lower court bought the argument and granted partial summary judgment finding the Department did not meet the statutory definition of employer by not having enough employees to be covered by federal law. The Sixth Circuit disagreed and reversed.

The Sixth Circuit’s groundbreaking analysis rejects a previous Second Circuit Court opinion on employee/volunteer determination and, as some employment rights advocates might say, has made a significant push for employees’ rights by stretching the boundaries as to who is considered an "employer" and "employee" with regard to Title VII claims. Because Bryson established that firefighter-members received "worker’s compensation coverage, insurance coverage, gift cards, personal use of the Department’s facilities and assets, training, and access to an emergency fund," the Sixth Circuit ruled that the district court made an error by adding the requirement of "significant remuneration" when trying to determine if an individual can be considered an "employee." As a result of this classification, the Department can be held responsible for discrimination and harassment under Title VII. The case now returns to the district court to determine whether sexual harassment occurred.

The lawyers at Nacht Law will continue to monitor the developments in this area. If you have any questions or would like more information on the issues discussed in this comment, please contact the author. Attorney Edward Macey is an associate at the Firm of Nacht, Roumel, Salvatore, Blanchard & Walker PC, practicing in the area of employment rights and civil rights.

About Nacht Law:

Navigating any difficult situation starts with sensible, legally sound advice. Nacht Law in Ann Arbor, Michigan, is a full-service law firm committed to providing clients with aggressive, flexible and affordable counsel across a wide range of legal disputes.

Nacht Law
101 North Main Street, Suite 555
Ann Arbor MI 48104

Telephone: 734-418-0356
Toll Free: 888-312-7173
Web: http://www.nachtlaw.com

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CLEVELAND, OH, October 21, 2011 /24-7PressRelease/ — As expected, MME8 has turned out to be the most relevant and significant Network Marketing Event in the 6 year history of Carbon Copy PRO, now known as PRO Elite. The two day event was held at the beautiful Mandalay Bay Resort in Las Vegas Nevada. Over 1000 people from all over the world attended live, or via live video stream. The value packed content that was delivered on stage was so cutting-edge, the PRO Elite community is still buzzing with excitement with new ways to move their businesses forward.

One of the most impactful presentations at the network marketing event came from Justin Woolf, a 7-figure earner, top producer and a PRO Elite Marketing Partner. Justin wanted to wake people up to the fact that they can create their own reality. To illustrate his point, he interviewed one of Carbon Copy PRO’s newest leaders, Bonnie Reisland, to uncover the secret to her recent meteoric rise to success in her PRO business.

"Bonnie has an inspiring story to tell," said Justin. "She worked in Corporate America for over 30 years before getting laid off. She then turned to the Internet to replace her six figure income. But if you think the transition was easy for her, guess again!"

"I was excited to share my story with the PRO community," said Bonnie. "I think sometimes people in the industry look at me and think that I had it easy, coming from IBM. They think I had some special computer skills or sales talent and that’ s why I am where I am today. But I have to tell you, that’s not the case. I had my challenges getting started just like everyone else coming into this business."

Bonnie goes on to say. "In fact, I think the reason my story is so inspiring is because, like most marketers, I struggled for a long time. I had no plan, I had no focus. I was all over the road! I kept busy, spent tons of money on products and services, but never took any action. At the end of 15 months, all I had to show for my efforts was a shelf full of beautiful books, CDs, and software and a whopping credit card bill."

When asked to define her turning point she replied, "I just decided to play the game at a higher level. I realized I was treating my business as a hobby. I stopped working on my business and started working in my business. There’s a big difference there. I also started taking massive action. I was determined to create my own reality. That’s it. There’s no magic bullet, I’m sorry to tell you."

She goes on, "Although my story might seem anti-climactic, it’ s really good news. Because you just have to believe that you can start where you are. Don’t look back on your months or years of struggle or failure and let that define you. Just decidetodaythat you are that success story, and then create it."

Bonnie Reisland lives in a beautiful old neighborhood in Cleveland, OH with her husband Bob. They are enjoying the E-Lifestyle and travel several times a year. Their most recent adventure was to Bali, Indonesia. For more information and to contact Bonnie visit: http://emarketersecrets.com/?t=pr24-7interview.

Bonnie Reisland Marketing is an independent marketing consulting and business coaching website. For further information contact us at 216-287-0609.

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VANCOUVER, BC, October 21, 2011 /24-7PressRelease/ — We will revisit certain topics we have already blogged about as time goes on because there are many spelling and grammar issues that crop up time and time again and need addressing further. They can’t be fixed with just one blog post! Last week, we blogged about homophones, which we had covered before. This week, we’re looking at the apostrophe in more depth (we previously touched on issues with the apostrophe here and here).

I once had a colleague – an excellent teacher and a lovely person – who stated quite happily that she "didn’t understand apostrophes at all!" I suspect, by virtue of the amount of errors I see almost everywhere, that she is far from alone in this!

First rule of thumb: An apostrophe has one of two purposes: it stands in place of missing letters (e.g. wouldn’t, isn’t, etc.) or it shows possession (e.g. This is Paul’s book.) If there are no missing letters and there is no possession issue then you do not need an apostrophe.

Contrary to popular opinion, acronyms (and decades) do not require apostrophes when they are made plural. This is a common mistake seen with acronyms such as FAQs (often seen as FAQ’s). Some American guidelines have started to accept the use of the apostrophe when pluralizing decades (1970’s), but by most experts’ standards this usage is still considered incorrect.

To return to my FAQs example, FAQs stands for Frequently Asked Questions – this is a simple plural; nothing belongs to the questions, and there are no missing letters. Simple plurals do not require an apostrophe.

Similarly, returning to the 1970s example, this will not need an apostrophe (unless we are suggesting that something belongs to the 1970s, e.g. …1970s’ fashions – in which case the apostrophe would follow the ’s’ since the fashions belong to the decade and not just to 1970). However, if we abbreviate the decade then we do use an apostrophe, but this is used to indicate omission rather than possession, and therefore goes in place of the missing numbers – i.e. the ’70s (because we really mean 1970s but we have omitted 19).

The two other main areas of confusion seem to be:

- with possession when the noun is plural
- with possessive pronouns

Plural Nouns

Below are some examples of plural nouns used (correctly) with apostrophes showing possession:

Girls’ night out, two weeks’ notice, children’s playground, women’s rights

In each case the apostrophe comes after the plural form of the word. A girl’s night out would not be much fun, since only one girl would be going!

Irregular plurals such as children, women, etc. follow the same rule; there just isn’t an ’s’ involved so it is actually simpler.

Possessive pronouns

The possessive pronoun which seems to cause the greatest confusion is its. I suspect this is because we see it’s so often. If we look back to the other reason for apostrophe usage – omitted letters – we can see that it’s is used because a letter is omitted – it’s stands in place of it is or it has (e.g. It’s been nice knowing you or it’s a beautiful day today.)

Its on the other hand, is a possessive pronoun and possessive pronouns do not need apostrophes. (Think of mine, yours, ours, theirs, etc.) I totally understand why people get confused with this one – having just learned that apostrophes are used to show possession – but the point of possessive pronouns is that they do the job for you, eliminating the need for an apostrophe.

In each of the examples below, the second sentence uses a possessive pronoun (no apostrophe):

That book is Paul’s. / That book is his.

The donkey’s back was aching. / The donkey was tired, its back was aching.

Those are the girls’ coats. / The coats are theirs.

Check back next week as we continue to revisit some common grammar mistakes.

About Prompt Proofing

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Offering content writing, editing and proofreading services, Prompt Proofing takes care of your individual or business content needs. Visit our website for more information at http://www.PromptProofing.com.

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LONDON, ENGLAND, October 20, 2011 /24-7PressRelease/ — SpreadBets.org.uk, the London based spread trading site, has released a brand new spread betting guide.

The spread betting guide, released this week, looks at a range of areas within the derivative of spread betting, including how spread betting works and the importance of risk management.

"Spread betting has many advantages – as well as disadvantages of course – over more traditional forms of financial trading, however one thing is for sure: it is an increasingly popular method in which to trade," said James White, the www.SpeadBets.org.uk editor. "That’s why we’ve released this easy to follow guide for anyone who is interested in having a spread bet."

The guide covers all of the basics of financial spread betting, including how to spread bet, why to choose spread betting and, arguably the most important of them all, risk management.

However the guide also caters for traders who aren’t necessarily new to the field of spread betting, looking at other areas such as which spread betting company to choose, and the latest spread betting offers.

"There’s a huge range of spread bettors out there and we like to think that we have something for all of them. That’s why, with the new spread betting guide, we decided to include one or two sections for investors who already have a bit of trading experience.

"Regardless of how long you’ve been trading, you’ll still want to know where the latest deals are and which spread betting companies are offering the tightest spreads. That’s why this spread betting guide includes a spread betting offers section as well as a spread betting company review of firms like Financial Spreads."

However, far from being a standalone section, the new guide also acts as a hub for the rest of http://www.spreadbets.org.uk/, linking to other areas of the site, such as spread betting charts and daily spread betting tips.

About SpreadBets

SpreadBets is a financial trading website that provides a range of information about the derivative of spread betting. The site provides daily editorial content such as financial news and a spread betting blog, as well as well as other content such as technical analysis and market analysis.

Spread betting is a financial derivative that allows traders to make a profit (and a loss) on both rising and falling markets.

Spread betting carries a high degree of risk and can result in losses that exceed your initial investment. Please ensure that it matches your trading objectives as it might not be suitable for all investors. Before you start trading, make sure that you are fully aware of the risks that are involved. You should only spread bet with capital that you can afford to lose. Obtain independent financial advice where required.

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NEW YORK, NY, October 20, 2011 /24-7PressRelease/ — Angel investor Yuval Tal has joined the venture capital company Lool Ventures in investing in Tactus Mobile Solutions first financing round. The start-up raised $1.5 million in this round of financing, to be invested in completion of the development of the release version of its mobile payments app, scheduled to launch in November.

Internet trade and services is a strong market worldwide today, and Payoneer, an international payment company based in New York, process payments totalling more than $500 million each year. Recently Payoneer added a local funds transfer solution to users in many countries, facilitating payment for these users and saving them the costs of exchange rates from local currency. Making use of prepaid debit MasterCard cards, and eliminating the need for users to have bank accounts, Payoneer provides a solution to some 75% of the online population outside of the United States. Smartphones have added a new dimension to online shopping, with a population of users buying and selling from their mobile phones rather than their computers. This, in turn, has opened a new field to be addressed – that of mobile payment via the smartphone. Although there has been talk of making the smartphone a "mobile wallet", this has not actually happened yet. For Yuval Tal president of Payoneer, this service complements that offered by Payoneer, the essence of which is quick and efficient transfer of funds between people and/or organizations, wherever they are in the world.

Tactus was founded in July 2010 by current CEO Oren Levy, Ronen Morecki, today CTO, and two others. The original application developed by Tactus was for end-users, but the company soon realised that change was required, as approaching end users would be too slow. They changed direction to development of an application that can be installed by any business or on any website. The app can be installed on a smartphone, and enables payment from the phone with a low clearing cost.

Yuval Tal, founder of Payoneer, has more than 20 years of experience in technology start-ups and e-commerce. Today he is regarded as an expert in the fields of currency exchange, prepaid credit card applications and security technology. Tal was involved in a number of Israeli technology based companies prior to his involvement in Payoneer. He co-founded E4X in 1999, which was an early provider of a service for Internet payments and went on to become FiftyOne, a recognized leader in the e-commerce market with a turnover of more than $500 million per year. Earlier in his career Yuval Tal served as General Manager of R-U-Sure, and at the start of his career was the VP of Business Development at the NASDAQ Company, Radware, a world leader in application delivery and security for networking. Payoneer has its headquarters in New York and maintains R&D facilities in Israel.

Yuval Tal was born and educated in Israel. He has engineering-based bachelor’s and master’s degrees, as well as a master’s in business administration, all from Tel Aviv University. In his spare time, Yuval Tal enjoys sports and is also a keen photographer.

Read more on:
Yuval Tal’s LinkedIn resume
Yuval Tal’s lecture at the Take Charge Summit

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RICHMOND, VA, October 20, 2011 /24-7PressRelease/ — John Vivadelli will share his insight on how technology is changing the way offices are utilized to meet cost reduction and sustainability goals on Realcomm’s panel discussion webinar for H, real estate and I.T. executives. AgilQuest’s CEO will answer how underutilized real estate is identified, how workplace business intelligence is used to improve support for the workforce, and how organizations use technology to do more with less.

"As industry better understands how technology, automation and innovation are changing the workplace, Realcomm is advancing the conversation through peer collaboration, case studies and education. These transformational changes rely on visionary leadership from solution providers like AgilQuest. John Vivadelli and his team are at the forefront of this revolution and it is exciting to have them partner with us in our webinar," says Jim Young, co-founder, Realcomm.

Leading organizations have discovered IT departments play an increasing role in the infrastructure and asset management of their facilities and buildings. This transformation to connected and centrally managed portfolios impacts every aspect of how we operate buildings and portfolios. It means both the introduction of new technology as well as a major shift in the organizational structure of our real estate organizations. Thought leaders from Realcomm, GSA, IBM and AgilQuest will discuss these points in the live webinar titled "Information Technology’s Expanding Role in the Future of Facilities Management" on Thursday October 20 at 12:30 pm EDT

For more information on Realcomm’s webinar
http://www.realcomm.com/RC06-Seminars/SeminarDesc.asp?sid=310

About AgilQuest Corporation
AgilQuest makes an organization’s workplace as agile as its workforce. Since 1994, AgilQuest has delivered value by reducing real estate costs, lowering energy consumption, and improving workplace flexibility and organizational resiliency. AgilQuest is the single source for workplace services, expertise and patented technology. Both business and government rely on AgilQuest to measure the actual use of office space consistently, continuously, and systematically over time and then manage permanently assigned office space, hoteling, and conference rooms to improve profitability, sustainability and agility.

Website: http://agilquest.com

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BRUSSELS, BELGIUM, October 20, 2011 /24-7PressRelease/ — Now in its fifth year, the 2011 winners include: Arcelor Mittal, Center for Creative Leadership, Emerging World, ING Bank, INSEAD, Microsoft, Royal Bank of Scotland, Royal Philips Electronics, the world we work in, TMA World & the Wharton School.

"Developing people, enhancing skills and providing a learning environment are essential components for any company and all of the winning cases show that investing in people is not a luxury; it is a key asset for business success if done well," said Dr. Richard Straub, Director of Development at EFMD.

The 5 winners were short-listed by an international jury-panel and the winning partnerships were presented last week during the EFMD Executive Education meeting hosted by the Maastricht University School of Business and Economics.

Award for Organisational Development:
The Royal Bank of Scotland with INSEAD and Wharton School / University of Pennsylvania for ‘The RBS Leadership Development Programme’

Also commended in this category were: Deutsche Lufthansa & CoachingOurselves International & Lancaster University Management School & Mc Gill University.

Award for Executive Development:
Microsoft and Emerging World (formerly Adopt a Business) for Microsofts ‘Innovation through Partnership: Creating a Global Leadership Program at Microsoft Benefitting Leaders, the Business and Society.’

Also commended in this category were: Thomson Reuters & Tuck School of Business at Dartmouth & IE Business School; and Towergate Insurance & Ashridge Business School.

Award for Talent Development:
Royal Philips Electronics and Center for Creative Leadership and The Wharton School / University of Pennsylvania for ‘Philips Octagon – A Partnership for Leadership and Excellence’

Also commended in this category: Ernst & Young and Cranfield School of Management for E&Y’s EMIEA Women’s Leadership Programme.

Award for Professional Development:
ING and ‘the world we work in’ for ‘Accelerating Professional Development and Strategy Execution: The ING Group High Impact Performance for Specialists’

Also commended in this category were: Rio Tinto & The University of Western Australia / Business School Executive Education; and Deutsche Bank & ESMT Customized Solutions (European School of Management and Technology).

Special Cases Award:
Arcelor Mittal and TMA World for ‘Global Push…Local Pull: Mobilising and Sustaining Enterprise-wide Training Globally at Arcelor Mittal’

Also commended in this category were: KAEFER Isoliertechnik & Metier Academy & Coverdale Team Management & Henley Business School; and Sheffield City Council & University of Sheffield & Sheffield Hallam University.

A special supplement of EFMD’s magazine Global Focus features observations and trends on the 2011 awards, articles on the 5 winning cases and the Executive summaries of the highly commended papers. Click here for a link to download your copy now.

The winning cases are available via the EFMD website and webinars featuring all the winning cases will be run in November and December. For more information visit www.efmd.org/eip.

About EFMD
EFMD is recognised globally as an accreditation body of quality in management education. With more than 770 member organizations from academia, business, public service and consultancy in 80 countries, EFMD provides a unique forum for information, research, networking and debate on innovation and best practice in management development.

Website: http://www.efmd.org

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SAN RAMON, CA, October 19, 2011 /24-7PressRelease/ — New benchmark research from Ventana Research finds that consumer goods businesses are beginning to mature their competencies in the key areas of people, processes and information and technology, but need more business attention to improve significantly.

Business employees, managers, and executives, under mounting pressure to operate more efficiently and make better decisions, are always looking for improved ways to analyze information in order to predict future outcomes and identify how to best take advantage of them. This new benchmark research from Ventana Research, the leading business technology research firm, presents comprehensive, research-based information on consumer goods businesses’ attitudes towards business analytics.

The new research shows that 41 percent of consumer goods businesses lack full confidence in the quality of the information being generated by their analytics. One factor that contributes to this situation, the research finds, is the reliance on spreadsheets to generate business intelligence and analytics; three-fifths of consumer goods organizations use spreadsheets as their only tool to generate analytics. Both this and previous benchmark research from Ventana Research show conclusively that spreadsheet use is associated with poor accuracy and timeliness.

"Several steps can be taken by consumer goods businesses to obtain more accurate data and thereby become more confident about their business analytics," said Mark Smith, CEO and chief research officer of Ventana Research. "Our new research provides detail on how consumer goods organizations can mature and make improvements with the help of accurate, accessible, easy-to-use analytics."

This in-depth benchmark research on business analytics, the latest from the leading business technology research firm, assessed the maturity and direction of consumer goods organizations’ efforts around the world. Ventana Research undertook this research to acquire real-world information about maturity, trends and best practices in how they use analytics and key indicators. It explores how they do this now, how they view their existing processes and tools, plans they have to change or improve them, and the benefit they hope to gain by doing so.

To view the webinar, visit: http://www.ventanaresearch.com/conpawebinar.

Those interested in learning more about this benchmark research can find additional information at http://www.ventanaresearch.com/conpa/. As a part of your registration you will receive insights and education from Ventana Research on using technology effectively in business. Ventana Research thanks those that participated in the benchmark and our media and association partners who helped make this vertical industry research a reality. Ventana Research provides guidance to organizations in business analytics through its Ventana OnDemand (http://www.ventanaresearch.com/ondemand) and with its assessment and educational services offerings. (http://www.ventanaresearch.com/services/)

About Ventana Research

Ventana Research is the most authoritative and respected benchmark business technology research and advisory services firm. We provide insight and expert guidance on mainstream and disruptive technologies through a unique set of research-based offerings including benchmark research and technology evaluation assessments, education workshops and our research and advisory services, Ventana OnDemand. Our unparalleled understanding of the role of technology in optimizing business processes and performance and our best practices guidance are rooted in our rigorous research-based benchmarking of people, processes, information and technology across business and IT functions in every industry. This benchmark research plus our market coverage and in-depth knowledge of hundreds of technology providers means we can deliver education and expertise to our clients to increase the value they derive from technology investments while reducing time, cost and risk.

Ventana Research provides the most comprehensive analyst and research coverage in the industry; business and IT professionals worldwide are members of our community and benefit from Ventana Research’s insights, as do highly regarded media and association partners around the globe. Our views and analyses are distributed daily through blogs and social media channels including Twitter, Facebook, LinkedIn and Business Week’s Business Exchange.

To learn how Ventana Research advances the maturity of organizations’ use of information and technology through benchmark research, education and advisory services, visit www.ventanaresearch.com.

Media: Copies of benchmark research report and interviews are available upon request.

Media Contact:
Mendeil Bailey
(925) 242-2412
marketing@ventanaresearch.com

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LONDON, ENGLAND, October 19, 2011 /24-7PressRelease/ — Financial trading website www.Spread-Betting.org has launched a brand new section on gold spread betting.

Gold is typically seen as a safe haven for investors. During times of economic uncertainty, traders often flock to gold as it is seen as a hedge against inflation.

For this very reason, the past few years have seen the price of gold rise significantly, which is what has made it such a popular commodity to spread bet on.

That is why financial trading website Spread-Betting.org has launched a brand new trading guide which focuses on the yellow metal.

"Commodities have always been popular with speculators," said Maxine Price, editor at http://www.spread-betting.org. "During times of recession, commodities such as gold are often seen as a safe haven; a market where traders can protect their downside.

"Of course, gold is not always a safe haven; during economic downturns gold can see both rises and falls. The market also sees sharp price corrections. However the fact still remains that it is currently a very popular market. That is why we have introduced a new spread betting guide that focuses on the precious metal."

Updated daily, the new section, spread betting on gold, is split into several sub-sections. The bulk of the new guide, the ‘Market Review’, focuses on the latest developments in the gold market.

Traders who are interested in spread betting on gold will also find a review of firms such as Financial Spreads which offer metals spread betting. There is section on spread betting offers but also a gold price comparison which reviews the typical spread size and minimum trade sizes for a number of spread betting companies.

However, the new section also helps spread betting investors who are less familiar with gold spread trading by covering areas such as ‘how to spread bet on gold’, ‘where to spread bet on gold tax free’, as well as a broader look at the gold market.

"At Spread-Betting.org, we always try to ensure that every spread bettor, whether they be a novice investor or an experienced trader, finds something useful," Price continued. "That is why the new guide looks at how and where to spread bet on gold, the latest developments in the gold market and technical analysis."

About Spread-Betting.org

Spread-Betting.org is a financial trading website that focuses on the derivative of spread betting. Spread-Betting caters for all spread bettors; from the novice investor, to the experienced trader.

Gold is an often volatile commodity, the price of gold has risen from $681 per ounce in 2008 to the current levels around $1,650.

Spread betting is a financial derivative that allows traders to speculate on multiple markets. It is a geared form of investment, carries a high level of risk and losses can exceed the initial investment.

Investors should ensure that spread betting fits their trading requirements as it may not be suitable for all types of investor. Before trading, investors should make sure that they fully appreciate the risks that are involved and should only spread bet with funds they can afford to lose. Where appropriate obtain independent financial advice.

Website: http://www.spread-betting.org

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