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lewiskelly has answered, here is the exact definition
Forward Exchange Contract Definition | Investopedia

Well, we can choose an option now, then what happens if their policy changes after we are gone No one to sue them I guess?

People get more and more creative Creativity is good!

Definitely ideal read for my afternoon tea I still believe that one can work from home if they want, however it is good to have an office, too

Networking and interaction are very good, but they cost lost of time and you never know how many of these people will actually be your clients. That`s why we are all trying to find ways which will work for us, while we focus on more important things.

Usually about 8am, however sometimes earlier, sometimes later - depends

Thank you Steve, for making a new thread. I am also a little bit controversial about the directories, although The Legal Stop is being registered in many directories monthly. I can see some results, but cannot be certain they`ve come from the directories, as we do many other things to improve our online presence. I am curious to see what other business owners have to say about it.

Okay, how to get the best conversion rate with less money spent on marketing and advertising?

Lol, that`s a controversial topic.
"God was looking for a place to spend his holiday. His angels offered him the Sun.
-No, it is too hot there
They offered Venus
Hm, no I have been there last year
They have offered him the Earth
-Oh no, come on, I have been there some 2000 years ago and had a relationship with a local girl, but they are still talking about it.

New topic: Animals

Do you think that just listing in business directories can actually help and which are your favourite directories, especially in the UK?