Wednesday, February 29, 2012
Former football star paying it forward in Norristown
In Norristown, Pennsylvania, former college football star, Ernest Hadrick, is changing the community. After several concussions during his college years, he was told for him to continue playing football would be a great risk. He decided to go back to his home town of Norristown, where people are poor and experience danger everyday. In the Montgomery County Youth Center, Hadrick spent time counseling troubled kids, teaching them right and wrong, and how to make good choices.
Chicago Teens Help Shape Lady Gaga Charity Tour Bus.
http://www.chicagotribune.com/entertainment/ct-ent-0229-lady-gaga-bus-20120228,0,4726561.column
A group of five teens from Chicago have designed the next tour bus for international superstar Lady Gaga. It will be called the "Born This Way" bus and will follow Gaga on tour. It is meant to promote Gaga's message of creativity, tolerance, and uniqueness.
The bus will be unveiled at the Harvard Science Center.
A group of five teens from Chicago have designed the next tour bus for international superstar Lady Gaga. It will be called the "Born This Way" bus and will follow Gaga on tour. It is meant to promote Gaga's message of creativity, tolerance, and uniqueness.
The bus will be unveiled at the Harvard Science Center.
Swap talks over greece could test the market
Greece is getting ready to overhaul it's bonds, while Britain wants to help through a "European arm" (probably all of Europe)
http://dealbook.nytimes.com/2012/02/28/swap-talks-over-greece-could-test-the-market/?ref=business
http://dealbook.nytimes.com/2012/02/28/swap-talks-over-greece-could-test-the-market/?ref=business
Personal Finance Topic #262 – Job Loss and Retirement – Part 4
It is better to wait to receive Social Security benefit until Full Retirement Age or later if you contributed more into Social Security System. An exception to this would be if you have a shorter lifespan. A spouse who recieves little income or none should start recieving it at 62. At age 62 it's 1,500, 66 is 2,000 plus cost of living, and at 70 is 2,640 plus cost of living. In 2012 if you are younger than retirement age and make more than $ 14,640 you get $1 deducted for every $2 on this. If you reach Full Retirment Age during 2012 you get $1 for every $3 deducted if you make over $38,880 until you reach that age. After reaching it, nothing gets deducted. A lump sum distribution can bump you into higher tax brackets. Taking out a minimum distribution amount from the Traditional IRA starting at 71.
2,400: Clark County teen aces SAT
http://www.columbian.com/news/2012/feb/27/2400-clark-county-teen-aces-sat/
Rohith Nagari, a junior at Mountain View Highschool in Vancouver, aced his sat with a score of 2400. He is part of 1% of the nation that is able to score that high. This will potentially get him many scholarships when he attends college.
Rohith Nagari, a junior at Mountain View Highschool in Vancouver, aced his sat with a score of 2400. He is part of 1% of the nation that is able to score that high. This will potentially get him many scholarships when he attends college.
Energy Issue in South Africa
In South Africa they are currently running into an energy issue. Currently there are few companies that are producing power, with one company producing 95% of their power. Currently their government is looking to diversify in other energy sources other than coal including a recently discovered shale gas reserve and other renewable sources.
Read more: http://www.dailyfinance.com/2012/02/29/energy-investors-pay-attention-to-this-market/
Read more: http://www.dailyfinance.com/2012/02/29/energy-investors-pay-attention-to-this-market/
German Finance Minister Plays Sudoku During Debate
German finance minister Wolfgang Schauble was spotted playing Sudoku on his iPad during further debates of Greek austerity measures. The debates were over the $174 billion bailout package for Greece. Schauble was widely known for his no-nonsense approach to the crisis, but it seems he has lost interest in the debates.
Are car loans, college loans so different?
http://www.washingtonpost.com/blogs/college-inc/post/are-car-loans-college-loans-so-different/2012/02/28/gIQAZxN4fR_blog.html
The average loan is $28,000 for a car, also lenders average 1.7 million new auto loans every month. Now college debt is about the debt of a new car after graduation. Although a 4-year degree averages $240,000 to $1,090,000 more lifetime earnings. As a car depreciates in value over time, the degree gains momentum in salary over time.
The average loan is $28,000 for a car, also lenders average 1.7 million new auto loans every month. Now college debt is about the debt of a new car after graduation. Although a 4-year degree averages $240,000 to $1,090,000 more lifetime earnings. As a car depreciates in value over time, the degree gains momentum in salary over time.
Teens and Money
http://www.foxbusiness.com/personal-finance/2012/02/24/teens-and-money/
Teens are prone to making those financial mistakes. Uh oh.
Teens are prone to making those financial mistakes. Uh oh.
The Lorax Movie
I know this doesn't have to do with finance but I found it Interesting.
President Obama and the senate were thinking about not showing the new movie. The Lorax. They said the movies goal was to manipulate young minds to not follow their government.
The producer and director reassured the government that that wasn;t the case. And, it was a movie about a bussiness man who just gets greedy, and destroys the environment.
Dr. Suess even knew this would happen and when his book was published he even said this is not a book, that is throughing down the government. Instead it is about greed and how we must watch are resource comsumption.
President Obama and the senate were thinking about not showing the new movie. The Lorax. They said the movies goal was to manipulate young minds to not follow their government.
The producer and director reassured the government that that wasn;t the case. And, it was a movie about a bussiness man who just gets greedy, and destroys the environment.
Dr. Suess even knew this would happen and when his book was published he even said this is not a book, that is throughing down the government. Instead it is about greed and how we must watch are resource comsumption.
Monday, February 27, 2012
Personal Finance: Beware of phony debt collectors
These calls are based in southern California and are from call centers in India. They are asking for payment on delinqent loans. They act as attorneys or law enforcement and threaten lawsuits or arrests. In 8.5 million calls tracked over 4 months in late 2010, they got more than $5 million dollars. They were going by American Credit Crunchers LLC and Ebeeze LLC which are now shut down because of this.
Budget means parents more responsible for teen driver training
Car accidents are the leading cause of death for teens in Washington. At the same time, fewer high schools are offering drivers education because of budget cuts.
Writers notice that 6 hours of driving with an instructor is not enough to get them the training that they need to get on the road.
I strongly disagree. Before they made the laws of driving with an instructor, kids learned to drive from their parents. Parents want to have these kids, or have made the mistake of having them, so they should be responsible for teaching them the ways.
My dad taught me to drive, and I drive just fine.
Writers notice that 6 hours of driving with an instructor is not enough to get them the training that they need to get on the road.
I strongly disagree. Before they made the laws of driving with an instructor, kids learned to drive from their parents. Parents want to have these kids, or have made the mistake of having them, so they should be responsible for teaching them the ways.
My dad taught me to drive, and I drive just fine.
Teens and Money: What They Need to Know
http://www.foxbusiness.com/personal-finance/2012/02/24/teens-and-money/
In 12 years of school from elementary to high school, kids are learning uncessary math skills when they should be learning how to manage money. Which is used in real life situations. High School seniors average a 48% on a national standardized test for managing money.
In 12 years of school from elementary to high school, kids are learning uncessary math skills when they should be learning how to manage money. Which is used in real life situations. High School seniors average a 48% on a national standardized test for managing money.
Thursday, February 23, 2012
College Admissions: How Diversity Factors In.
http://www.washingtonpost.com/blogs/answer-sheet/post/college-admissions-how-diversity-factors-in/2012/02/20/gIQAs0BHSR_blog.html
A student in Texas claims that he was denied admission to a university because of his race. He was a white male. The college then went on to say that their university looks for diversity when admitting students.
Bill would give teen convicts second chance
http://www.news4jax.com/news/Bill-would-give-teen-convicts-second-chance/-/475880/8880636/-/ujk02/-/index.html
In Florida, a new bill is being proposed that would allow convicts that were convicted to a life sentence when they were under the age of 15 to be re-reviewed after 15 years in prison. As long as the commited crime was not a homicide, the canidite will be reviewed, and if the judge approves, they will be released on probation. It is proposed in part to try and cut some of the budget that is spent on keeping prisoners in prison.
In Florida, a new bill is being proposed that would allow convicts that were convicted to a life sentence when they were under the age of 15 to be re-reviewed after 15 years in prison. As long as the commited crime was not a homicide, the canidite will be reviewed, and if the judge approves, they will be released on probation. It is proposed in part to try and cut some of the budget that is spent on keeping prisoners in prison.
Tales of U.P.S's Missing and Broken
Lots of stories about how UPS has done a bad job with a lot of deliveries, some went ot minesota when they were meant to be in california. It says that UPS doesnt seem to have a very solid grasp of what is happening to packages.
http://www.nytimes.com/2012/02/12/your-money/tales-of-upss-missing-and-broken-the-haggler.html?ref=your-money
http://www.nytimes.com/2012/02/12/your-money/tales-of-upss-missing-and-broken-the-haggler.html?ref=your-money
Foster care: Corbett's plan would be a win-win situation
Governer Tom Corbett has proposed that older teens get foster care support until they are 21, rather than 17 like it is now. This will help the kids who "age out" of foster care have more stability finanically. Right now, only foster kids who finish high school, enroll in college, or need medical care get support until 21 but with the governer's new plan, the kids who go to a trade school or straight into the work force can have other financial support too. The extra funding would also encourage more families to adopt and the foster children can have the family's support longer. According to the Juvenile Law Center and Pennsylvania Partners for Children, this could also save the state money. Young foster women are 2 and a 1/2 times more likely to become pregnant by 19 than other young women, so having continued support from 17-21 might lower that as well.
PERSONAL FINANCE: Do Women Make Better Investors?
Barbara Walker-Green says that women make better investors than males due to the way they aproach investments. She says, "We tend to be more emotional about what is going on in the market versus more aggressive like men are, our investments are a lot more conservative, and we look at the emotional side of investing in terms of what is going to be left for our loved ones." These are the reasons she gave for believing women do better.
Teen allegedly sacked over low pay query
http://finance.ninemsn.com.au/national/8424454/teen-allegedly-sacked-over-low-pay-query
A Perth aviation business and its director have been accused of sacking a teenager after his mum queried his alleged pay of just over $5 an hour.
The pay rate should have been more than $7 an hour, but a boy was being pay $5.32 an hour.
The teenager and his mother filed a complaint and now the aviation business is being prosecuted because of the dismissal allegedly constituted a serious breach of workplace law.
The owner is now facin a max penalty of $6600 and the company $33,000 for the breach of the fair work act.
A Perth aviation business and its director have been accused of sacking a teenager after his mum queried his alleged pay of just over $5 an hour.
The pay rate should have been more than $7 an hour, but a boy was being pay $5.32 an hour.
The teenager and his mother filed a complaint and now the aviation business is being prosecuted because of the dismissal allegedly constituted a serious breach of workplace law.
The owner is now facin a max penalty of $6600 and the company $33,000 for the breach of the fair work act.
LightSquared Running out of Options
After the Federal Communications Commission rejected LightSquared's proposition for running its satelite base services LightSquared now has to cut 45% of their employes. Another reason they cutting employees is because they were not able to make a $56.3 million payment to its partner Inmarsat Plc.
Read more: http://www.washingtonpost.com/business/lightsquared-to-cut-45-percent-of-jobs-after-regulators-reject-expansion-plan/2012/02/22/gIQAeNsEVR_story.html
Read more: http://www.washingtonpost.com/business/lightsquared-to-cut-45-percent-of-jobs-after-regulators-reject-expansion-plan/2012/02/22/gIQAeNsEVR_story.html
Foster Care
http://www.pennlive.com/editorials/index.ssf/2012/02/foster_care_corbetts_plan_woul.html
The governemnts budget is a plan to allow more older teens to receive foster care support until they turn 21. They will get it if they are in school (high school or college) but now also if they have a job or are being trained in trade school or for a job.
The governemnts budget is a plan to allow more older teens to receive foster care support until they turn 21. They will get it if they are in school (high school or college) but now also if they have a job or are being trained in trade school or for a job.
Teen Arrested on Flight
http://www.aikenstandard.com/story/022312-ap-Teen-arrested-in-flight-ruckus-sang-of-bin-Laden--3811255
A Saudi Arabian exchange student was arrested at an airport in Portland for causing a ruckus on-flight. When he was told to stop smoking an electronic cigarette, he refused and then started to sing about Bin Laden and his hatred for women.
The teenager is said to be schizophrenic, and hadn't taken his medications for at least two weeks. He was en route to see his sick mother.
A Saudi Arabian exchange student was arrested at an airport in Portland for causing a ruckus on-flight. When he was told to stop smoking an electronic cigarette, he refused and then started to sing about Bin Laden and his hatred for women.
The teenager is said to be schizophrenic, and hadn't taken his medications for at least two weeks. He was en route to see his sick mother.
Stock Market News for Today, February 23
Stocks declined somewhat sharply today among reports that manufacturing across Europe and China has declined recently. Separately, weak earnings figures from Dell and a lack of domestic economic reports further dampened investor sentiment.
Dozens arrested in Toronto raids targeting auto-insurance scam
http://www.theglobeandmail.com/news/national/toronto/dozens-arrested-in-toronto-raids-targeting-auto-insurance-scam/article2347346/
36 suspects have been arressted in Toronto for auto sinsurance scams. The scam was purposefully having car accidents, or no accidents at all. People would agree to have their name released as being in a accident and having the insurance company send money to a bogus health clinic.
36 suspects have been arressted in Toronto for auto sinsurance scams. The scam was purposefully having car accidents, or no accidents at all. People would agree to have their name released as being in a accident and having the insurance company send money to a bogus health clinic.
Tuesday, February 21, 2012
Maximizing Next Year's Financial Aid.
http://www.cbsnews.com/8301-505146_162-57381295/maximizing-next-years-financial-aid-for-college/
Basically an article stating different tips on how to save on your first year of college. The tips include registering for FAFSA and maximizing that opportunity.
Stock market: After almost 4 years, Dow cracks 13000
http://www.csmonitor.com/Business/Latest-News-Wires/2012/0221/Stock-market-After-almost-4-years-Dow-cracks-13000
DOW back up to 13000. This hasn't been that high since March 2008.
DOW back up to 13000. This hasn't been that high since March 2008.
Stock market: After almost 4 years, Dow cracks 13000
http://www.csmonitor.com/Business/Latest-News-Wires/2012/0221/Stock-market-After-almost-4-years-Dow-cracks-13000
DOW back up to 13000. This hasn't been that high since March 2008.
DOW back up to 13000. This hasn't been that high since March 2008.
EU Short-Selling Law
The European Union currently has a law that is going to pass that is going to curb the trading of short-selling and naked-CDS which goes in effect Nov. 1.
Read more: http://www.businessweek.com/news/2012-02-21/eu-ministers-adopt-curbs-on-naked-cdss-in-short-selling-law.html
Read more: http://www.businessweek.com/news/2012-02-21/eu-ministers-adopt-curbs-on-naked-cdss-in-short-selling-law.html
Community Colleges Work to Keep Low-Income Students in School: Students who are struggling financially are being encouraged to apply for public aid.
Most students who drop out of community college do it for financial reasons and so there are programs popping up to help them with financial aid. The article also talked about how kids meeting with financial advisors really helped them budget and be able to go to college.
Early teen years a prime time for learning financial sense
“Because of brain plasticity, the early teen years are a crucial time to learn financial lessons. The pathways in the frontal lobes are in the process of being rewired and parents can influence how new circuits form.”
When 14 year old Lukas wanted a $300 hockey stick and his dad had a $100 budget in mind, they had to work out a deal. His dad would pay the $100 and Lukas would work off the other $200.
This is the prime example of learning something early, they say that when you are set with an obstacle like this in your teen years you understand finance better in your adult years due to certain things in the brain.
I find it super interesting that I have been learning finance since I was 10 years old, having to do chores for the things I want and not the thing that I need.
When 14 year old Lukas wanted a $300 hockey stick and his dad had a $100 budget in mind, they had to work out a deal. His dad would pay the $100 and Lukas would work off the other $200.
This is the prime example of learning something early, they say that when you are set with an obstacle like this in your teen years you understand finance better in your adult years due to certain things in the brain.
I find it super interesting that I have been learning finance since I was 10 years old, having to do chores for the things I want and not the thing that I need.
For boomers, it's a new era of 'work til you drop'
This article talks about how the baby boomers are experiancing losses in retirement possibilities and compisation. In a world where jobs are being sent over seas and pensions are dissapearing at an alarming rate, many boomers face the 'work till you drop' method to sustain their needs and lifestyles for the remainder of their lives.
Wal-Mart’s Higher Sales Came at a Cost
Wal-mart wanted to bring up it's sales, which they did by 1.5%, but this was at the cost of $100 million. They dropped the prices and sales went up, but at $100,000,000 I don't think it was really worth it.
http://www.nytimes.com/2012/02/22/business/wal-marts-quarterly-earnings-down-4-2.html?_r=1&ref=business
http://www.nytimes.com/2012/02/22/business/wal-marts-quarterly-earnings-down-4-2.html?_r=1&ref=business
Eurozone Finance Deal for Greece Boosts U.S. Stocks to Highest Level Since 2008
The Dow Jones hit 13,000 today, the highest it has been since May of 2008. This happened after the Eurozone's Greek bailout package passed over the weekend. After stocks took the day off for President's Day, they opened strongly today.
Apartment Rental Sites
http://www.northerncoloradorentals.com/
http://fortcollins.craigslist.org/
http://www.poudreproperty.com/
Use these and other sites of your choice to find an appropriate rental apartment/town home/home.
http://fortcollins.craigslist.org/
http://www.poudreproperty.com/
Use these and other sites of your choice to find an appropriate rental apartment/town home/home.
Tuesday, February 14, 2012
Free Class helps Students pay for college
In Grand Junction, Colorado, a class is being offered for students or anyone interested in going to college. FAFSA forms (Free Application for Federal Student Aid) are forms you fill out to receive help with college tuition. These forms can be very difficult for some to understand, so the class is offered to answer any questions someone might have. $20,000 is being distributed between several students based on the FAFSA forms.
California Minorities Want Affirmative Action
Many of the minorities in California are wanting to reinstate affirmative action due to the fact that there is not enough diversity on campuses.
Teen goes to Jail for Bottle Assualt, leaving the Victim partically Blind
A TEENAGER who left a man partially blind after slashing him in the eye with a bottle in a revenge attack was sentenced to seven-and-a-half years in jail. 19-year-old Chiragh set upon the victim after seeing him outside Gold’s Gym in Station Road,
If You Don’t File, Beware the Ghost Return
Forgetting to file a tax return or just ingoring it can have costly penalties in the future. Many people fail to file or just forget to and end up paying high penalties for their mistake. These penalties often can catch you off guard a long while after the failure to file. These are often called "ghost returns".
Father Shoots Daughter’s Laptop Over Facebook Post
It just talks about the video of a dad unloading his gun into his daughter's laptop over a facebook post. It was actually more about the views on it, but as for the finance part, I would have sold that laptop on ebay or something for some money instead of waste a magazine into in and wasting the whole laptop.
http://parenting.blogs.nytimes.com/2012/02/13/father-shoots-daughters-laptop-over-facebook-post/
http://parenting.blogs.nytimes.com/2012/02/13/father-shoots-daughters-laptop-over-facebook-post/
Bubble in Dividend ETFs
Because of low interest rates and Treasury yields investors have decided to pile into dividend-paying stocks and ETFs. So far this the S&P 500 has doubled the gains in many of the largest dividend ETFs. With talks about ETFs being rich in valuations and a raise in taxes on dividends there may be a bubble.
Read more: http://www.etftrends.com/2012/02/is-there-a-bubble-in-dividend-etfs/
Read more: http://www.etftrends.com/2012/02/is-there-a-bubble-in-dividend-etfs/
Teen jailed for bottle attack that left victim partially blind
http://www.harrowobserver.co.uk/west-london-news/local-harrow-news/2012/02/14/teen-jailed-for-bottle-attack-that-left-victim-partially-blind-116451-30328696/
A 19 year old boy attacked a 22 year old outside of Gold's gym claiming that it was because the man had jeopardized his friends "street cred". The victim received an eye injury. He was a top notch student, and was accepted into a first class university for accounting and finance, but with his injury he will have to put that all on hold. The attacker had no intent to be hurting the victim, but the police released that he had bipolar disorder and was addicted to alcohol and weed.
A 19 year old boy attacked a 22 year old outside of Gold's gym claiming that it was because the man had jeopardized his friends "street cred". The victim received an eye injury. He was a top notch student, and was accepted into a first class university for accounting and finance, but with his injury he will have to put that all on hold. The attacker had no intent to be hurting the victim, but the police released that he had bipolar disorder and was addicted to alcohol and weed.
Trillion is the new billion in today's Washington budgeting
A trillion is a thousand times more than a billion and those are the numbers Washington is now. It would take an average income household making $50,000/year 20 billion years to pay off a trillion, yet the deficits, federal budget, and national debt are all in the trillions now. A million millions is a trillion and this article is talking about how much money people are talking nowadays and just how MUCH it all has become, because before billion was the big number, but now people have even bypassed that.
Monday's Personal Finance Stories
Workers spend an average of $3,000 a year on coffee and lunches. 18-34 year olds spend around $26 a week and people older than that spend around $14 a week. A 20 year old could use that money to save up for a diversified portfolio for the future. But anybody could save up for their retirement. It's always something good to save for.
Riots in Greece
As nothing has been done yet with Greece, more riots have broken out. This riots have been more violent; burning down 4 buildings , burning rows of cars, tires set up as walls and lit on fire, and police peope throwing coktails from roofs onto driving cop cars. The riots have have been focused around the capital building, as protesters have been trying to over through the Greek Government.
Teen jailed for bottle attack that left victim partially blind
http://www.harrowobserver.co.uk/west-london-news/local-harrow-news/2012/02/14/teen-jailed-for-bottle-attack-that-left-victim-partially-blind-116451-30328696/
A 19 year old teen left a man partially blind after slashing him with a bottle. He is sentenced to seven and a half years in jail.
A 19 year old teen left a man partially blind after slashing him with a bottle. He is sentenced to seven and a half years in jail.
Who insures child who drives dad's car but lives with mom?
http://www.foxbusiness.com/personal-finance/2012/02/14/who-insures-child-who-drives-dads-car-but-lives-with-mom/
This article was talking bout who insures the car. If the child were to wreck, the insurance wouldn't have to cover it because they didn't have correct information. The car is with the kid but the insurance doesn't know that so they need to get the car not the girl insured and tell the insurance who and where the car is.
This article was talking bout who insures the car. If the child were to wreck, the insurance wouldn't have to cover it because they didn't have correct information. The car is with the kid but the insurance doesn't know that so they need to get the car not the girl insured and tell the insurance who and where the car is.
Friday, February 10, 2012
Teen Receives $1,000 Grant.
http://www.wtkr.com/news/wtkr-teen-receives-1000-grant-to-continue-helping-homeless-20120209,0,7352392.story
Marissa Smith is a teeager from Virginia Beach, Virginia who regularyly spends her time helping the homeless. She takes food, blankets, and clothes to them.
Channel 3 News surprised her by giving her a $1,000 grant along with a shopping spree so she could continue helping the homeless.
Marissa Smith is a teeager from Virginia Beach, Virginia who regularyly spends her time helping the homeless. She takes food, blankets, and clothes to them.
Channel 3 News surprised her by giving her a $1,000 grant along with a shopping spree so she could continue helping the homeless.
The Frugal Finatic
Just tells how a man ranishes what he has and how it keeps he bugdet alot more flexible
Those people who have already lost their homes to forcloser could get $1,500 to $2,000 payments. 5 banks are on this agreement. Mortgages are being lowered. Oklahoma is not doing it. It's the only state out. This agreement is for the people who haven't been able to pay their mortgage. They can negotiate a deal with their bank. Bank of America, Ally Financial Inc, Citigroup Inc, J.P. Morgan Chase, and Wells Fargo & CO, are the banks doing this. If you win your case and get your papers signed in 2012, you won't have income tax on it. $17 Billion was set aside for this, but the home owners lose is up to $700 Billion. Home owners making payments bigger than needed can't do this, but can try to refinance into a new one. If you've already forclosed, you can contact the state attorney general's office and request being put on the list for receaving money. Some states have more money than others on this.
Making the cut
http://www.ndsmcobserver.com/news/making-the-cut-1.2774758
Families are concerned that colleges rely too heavily on ACT and SAT scores to admit a student, but colleges are worried that families use a college's SAT and ACT scores too much to judge the worth of the school. It's a catch twenty-two. But there is more emphasis placed on academic grades overall rather than just the standardized tests and the colleges wish that families would evalute any school based on their schools in context of other quaility features. Numbers should only be used to establish a neighborhood of colleges for a students to apply to where they will fit in best.
Families are concerned that colleges rely too heavily on ACT and SAT scores to admit a student, but colleges are worried that families use a college's SAT and ACT scores too much to judge the worth of the school. It's a catch twenty-two. But there is more emphasis placed on academic grades overall rather than just the standardized tests and the colleges wish that families would evalute any school based on their schools in context of other quaility features. Numbers should only be used to establish a neighborhood of colleges for a students to apply to where they will fit in best.
10 smart things to do with $25
Just gives a few good things to do with 25$
1. Goodwill shopping spree
2. Adopt an animal that needs a good home
3. Buy used movies and games
4. Start a college savings plan
5. Hit the sales at grocery stores
and more!
http://www.wisebread.com/10-smart-things-to-do-with-25
1. Goodwill shopping spree
2. Adopt an animal that needs a good home
3. Buy used movies and games
4. Start a college savings plan
5. Hit the sales at grocery stores
and more!
http://www.wisebread.com/10-smart-things-to-do-with-25
Hershey's Beat Analyst Expectations
Hershey's recently just announced its annual results, which beat what analyst thought. Hershey's total revenue came in at $6.08 billion which was 7.2% higher than last year. Hershey's seems be growing and could expect gains this year too.
Read more: http://www.dailyfinance.com/2012/02/10/hersheys-is-still-sweet-to-investors/
Read more: http://www.dailyfinance.com/2012/02/10/hersheys-is-still-sweet-to-investors/
Greek debt deal limbo slams global financial markets a day after apparent breakthrough
World financial markets took a large hit today as the apparent breakthroughs in the Greek debt crisis from yesterday were halted by several European countries demanding that Greece cut $400 million more from its budget. They demanded this change be made before creditors could approve a $117 billion bailout for the embattled European country.
White Plains Funds Library Redesign Aimed at Teens
http://www.thedailywhiteplains.com/news/white-plains-funds-library-redesign-aimed-teens
In White Plains, NY the Common Council has voted to help finance redesigning the library's first floor. This re-model will provide a "teen space". This vote has funded $162,000 to add to the $65,000 raised by the White Plains Library Foundation. It will be very beneficial to the teenagers as the "toddler space" was to the toddlers. All teens in the area agree that it will be a great space and be very helpful to them.
In White Plains, NY the Common Council has voted to help finance redesigning the library's first floor. This re-model will provide a "teen space". This vote has funded $162,000 to add to the $65,000 raised by the White Plains Library Foundation. It will be very beneficial to the teenagers as the "toddler space" was to the toddlers. All teens in the area agree that it will be a great space and be very helpful to them.
'Student Car Loans Expert' Claims to be the Expert Resource on Student Auto Loans
http://www.sbwire.com/press-releases/student-car-loans-expert-claims-to-be-the-expert-resource-on-student-auto-loans-126181.htm
Student Auto loans is a guidance for students to buying a car. This helps with any information that a student may not be aware of. You pay back the loan after education.
Student Auto loans is a guidance for students to buying a car. This helps with any information that a student may not be aware of. You pay back the loan after education.
should employees own more company stock?
The answer is no.
Companies have been cutting down on stock shares and only the CEOs have been getting a large amount of the shares, leaving less available to employees.
Companies have been cutting down on stock shares and only the CEOs have been getting a large amount of the shares, leaving less available to employees.
Wednesday, February 8, 2012
Intrest Rate increase
http://online.wsj.com/article/SB10001424052970203315804577209532626046436.html?mod=googlenews_wsj
In another sign that the credit freeze is thawing, the Federal Reserve said Americans ramped up their borrowing at the end of 2011.
Household borrowing through credit cards, car loans, student loans and other installment debt—which excludes mortgages—rose at a seasonally adjusted 9.3% annual rate in December, following a 9.9% rise in November, the Fed said Tuesday. That was the biggest two-month surge since late 2001, when auto makers rolled out zero-percent financing after the Sept. 11 terrorist attacks.
The most recent gains largely reflect more student loans, which at least one economist said could be a sign of financial ...
In another sign that the credit freeze is thawing, the Federal Reserve said Americans ramped up their borrowing at the end of 2011.
Household borrowing through credit cards, car loans, student loans and other installment debt—which excludes mortgages—rose at a seasonally adjusted 9.3% annual rate in December, following a 9.9% rise in November, the Fed said Tuesday. That was the biggest two-month surge since late 2001, when auto makers rolled out zero-percent financing after the Sept. 11 terrorist attacks.
The most recent gains largely reflect more student loans, which at least one economist said could be a sign of financial ...
Budget guidelines issued for civil society groups
http://www.bworldonline.com/content.php?section=Economy&title=Budget-guidelines-issued-for-civil-society-groups&id=46420
Civil groups working in partner with the Government and seeking Government funding have new regulations this year. They can have partnering agreements with over a dozen government departments and agencies. They must have their budget for this upcoming year ready to go and now must have budgets for the past 5 years. They also must have an on going project to be eligeble. Last year these civil groups received $1.8 trillion from the government. I can only hope that these new measures are seeking to cut that amount and will give the money to only deserving groups.
Civil groups working in partner with the Government and seeking Government funding have new regulations this year. They can have partnering agreements with over a dozen government departments and agencies. They must have their budget for this upcoming year ready to go and now must have budgets for the past 5 years. They also must have an on going project to be eligeble. Last year these civil groups received $1.8 trillion from the government. I can only hope that these new measures are seeking to cut that amount and will give the money to only deserving groups.
Help Your Teen Prepare for College.
http://acworth.patch.com/articles/parenting-column-prepare-your-teens-for-college-now
This article is just basically giving tips to parents that aim to help their children in being more prepared for College. Some of the tips offered are:
- Tests; ACT and SAT's should be retaken often.
-Scholarships; Applying for scholarships is key. Checking for scholarships that are exclusive to the schools you are applying to makes it easier to get said scholarships.
-Dual Enrollment; Taking classes at a college that go toward you high school diploma while also getting college credit.
This article is just basically giving tips to parents that aim to help their children in being more prepared for College. Some of the tips offered are:
- Tests; ACT and SAT's should be retaken often.
-Scholarships; Applying for scholarships is key. Checking for scholarships that are exclusive to the schools you are applying to makes it easier to get said scholarships.
-Dual Enrollment; Taking classes at a college that go toward you high school diploma while also getting college credit.
Nokia to Cut 4,000 Jobs at 3 Factories
http://www.nytimes.com/2012/02/09/technology/nokia-to-cut-4000-jobs-at-3-factories.html?_r=1&ref=business
They announced that 7% (4000 jobs) were going to be cut since it is trying to save money to make more better smartphones. All the employees that will lose their jobs are going to be in europe.
They announced that 7% (4000 jobs) were going to be cut since it is trying to save money to make more better smartphones. All the employees that will lose their jobs are going to be in europe.
From bad to poor: state's poor grade for smoking cessation improve slightly
http://rapidcityjournal.com/news/from-bad-to-poor-state-s-poor-grade-for-smoking/article_19db1fbc-5218-11e1-b79b-001871e3ce6c.html
South Dakota improved its failing grade for smoking cessation efforts, but still earned an "F" for its tabacco-prevention spending and control efforts due to state budget cuts.
The cigarette tax is at $1.53 and that earned them a "C"
South Dakota should be spending $11.3 million on control and prevention efforts, but only spent $5.2 million on the programs this year.
You can really tell how the money is affecting everyone's health.
South Dakota improved its failing grade for smoking cessation efforts, but still earned an "F" for its tabacco-prevention spending and control efforts due to state budget cuts.
The cigarette tax is at $1.53 and that earned them a "C"
South Dakota should be spending $11.3 million on control and prevention efforts, but only spent $5.2 million on the programs this year.
You can really tell how the money is affecting everyone's health.
Stock Market News for February 7, 2012
The stock markets dropped a few points today as the Greek debt crisis talks made no new ground toward a resolution. On the homefront, no companies reported large gains or profits.
U.S. Stocks Decline
Overall U.S. stocks are declining since investors on focusing in on the European policy discussions over the Greek debt-restructuring. The NASDAQ, S&P 500, and the Dow Jones have taken a down turn today.
Read more: http://online.wsj.com/article/SB10001424052970204136404577210633195728816.html
Read more: http://online.wsj.com/article/SB10001424052970204136404577210633195728816.html
Romance & Finance: 5 financial tips for couples
Talk about the dept you have, express your goals for life, compromise, pay off your dept, and save up for emergency medical expenses. This is all what you should do when you are a couple to keep the romance going without too much stress of money.
Car loan interest rates at all-time lows
http://www.coshoctontribune.com/article/20120208/NEWS01/202080301
According to bankrate, new car loans are at 5.27% interest down from 8.45% ten years ago.This is based on a 48 month loan.
According to bankrate, new car loans are at 5.27% interest down from 8.45% ten years ago.This is based on a 48 month loan.
Cars loan interest rates @ all time low
http://www.coshoctontribune.com/article/20120208/NEWS01/202080301
The rate on a 48-month new car loan is 5.27 percent, down from 6.15 percent in January 2011. Ten years ago, the rate was 8.45 percent. So now would be the best time to buy that great new car.
The rate on a 48-month new car loan is 5.27 percent, down from 6.15 percent in January 2011. Ten years ago, the rate was 8.45 percent. So now would be the best time to buy that great new car.
Monday, February 6, 2012
Shelter Helps Victims Despite Tight Budget.
http://www.metronews.ca/winnipeg/local/article/1089816--shelter-helps-victims-despite-tight-budget
The Osborne House in Winnipeg has always housed homeless women and their children, but just recently they have noticed an increase in abused women coming to the shelter. Barbara Judt, the chief executive officer of the Osborne house, says that 10% of the people seen are teen girls.
The Osborne House is currently underfunded at $450,000 but they still continue to house the need. The government has agreed to help with funding for shelters such as the Osborne House.
The Osborne House in Winnipeg has always housed homeless women and their children, but just recently they have noticed an increase in abused women coming to the shelter. Barbara Judt, the chief executive officer of the Osborne house, says that 10% of the people seen are teen girls.
The Osborne House is currently underfunded at $450,000 but they still continue to house the need. The government has agreed to help with funding for shelters such as the Osborne House.
Europe's banks reluctant to loan
Basically, companies in Europe have tons of debt, but banks dont want to lend them the money because they don't think they will get payed back. The economy is dropping because of this and consumer-focused compnies are getting hit real hard.
http://dealbook.nytimes.com/2012/02/06/europes-banks-reluctant-to-aid-companies-in-need-of-cash/?ref=business
http://dealbook.nytimes.com/2012/02/06/europes-banks-reluctant-to-aid-companies-in-need-of-cash/?ref=business
America's Best Colleges...Cheat
http://www.chicagotribune.com/news/nationworld/sns-bc-us--colleges-rankingspressure,0,5482646.story
The list of America's best colleges is a great way to study what colleges are the highest ranked in the nation, but it's not students who obsess over those rankings, it's the colleges themselves. Claremont McKenna, a California college, falsified college entrance scores just to be named in the "Top 10" colleges. The senior administrator resigned and Claremont was also removed from the Best College Values list.
The list of America's best colleges is a great way to study what colleges are the highest ranked in the nation, but it's not students who obsess over those rankings, it's the colleges themselves. Claremont McKenna, a California college, falsified college entrance scores just to be named in the "Top 10" colleges. The senior administrator resigned and Claremont was also removed from the Best College Values list.
Frugality as a Challenge
One lady decided to look at frugality as a challenge and found that that helped her immensely. She tries to "beat last month's scores" and lower her utility bill a little bit more than she had last month, use a product longer than she had before, etc. She thought living frugally was really difficult until she used this mindset and now she takes joy and pride in it. She also competes against other people that she finds on finance and frugality message boards.
Retirement Savings: Will $4 Million Be Enough?
This article is all about the phenomenon of "money illusion". This is when we fail to account for economic factors such as inflation and cost of living when it comes to retirement costs. Many people see 4 million dollars and think that this is plenty of money to sustain them throughout their later years. But many would also be right to think that this is not enough because of the factors such as inflation and many others.
Freedom Investing 2012
Looking at which countries will be wise and sound investments and steering which ones to avoid and which ones to seek out. Searching for economic freedom, the lack of government constrint on production, is that way to go. This Great Recession sent the globe backward and countries that spent more expecting to make it back long term did not succeed either. Only 5 countries are still in the free category: Hong Kong, Singapore, Australia, New Zealand and Switzerland, the USA fell out two years ago. The ten categories they are scored on are as follows: property rights, freedom from corruption, fiscal freedom, government spending, business freedom, labor freedom, monetary freedom, trade freedom, investment freedom and financial freedom.
5 Things to Know About a Communiversity Degree
http://littlesilver.patch.com/articles/5-things-to-know-before-you-pay-for-college
It consists of 5 universities that provides local access to baccalaureate and graduate degree programs in a variety of majors. The programs are all offered at a community college in New Jersey, two nights a week. This program can save up to 45% tuition.
It consists of 5 universities that provides local access to baccalaureate and graduate degree programs in a variety of majors. The programs are all offered at a community college in New Jersey, two nights a week. This program can save up to 45% tuition.
Thursday, February 2, 2012
OH Sh..! I’m Going to Crash!
http://farmingtonhills.injuryboard.com/automobile-accidents/oh-sh-im-going-to-crash.aspx?googleid=298076
A 17 year old girl was driving her Pontiac Sunfire and talking on the phone. As she tried to switch lanes she lost control due to ice lanes and spun into on coming traffic. Her last words were "OH sh..! I'm going to crash!" Her mother now travels to various schools around their home state of michigan to encourage teens to not drive and use their cell phone, now her efforts to stop teens from talking and driving are recognized nation wide.
A 17 year old girl was driving her Pontiac Sunfire and talking on the phone. As she tried to switch lanes she lost control due to ice lanes and spun into on coming traffic. Her last words were "OH sh..! I'm going to crash!" Her mother now travels to various schools around their home state of michigan to encourage teens to not drive and use their cell phone, now her efforts to stop teens from talking and driving are recognized nation wide.
Budgeting for people who hate planning
Lists basic things that could help (Find motivaton, seek inspiration from others, make it fun and take it slowly). It goes a little more into detail with each but that is the basic of it. Thought it was good becasuse Im not a super big planning person.
http://www.wisebread.com/budgeting-for-people-who-hate-planning
http://www.wisebread.com/budgeting-for-people-who-hate-planning
Movie Review: What Happens When a Young Filmmaker With Old Ideas Gets a Big Budget? Chronicle
http://frontrow.dmagazine.com/2012/02/movie-review-what-happens-when-a-young-filmmaker-with-old-ideas-gets-a-big-budget-chronicle/
This article talks all about the new super power movie, Chronicle. The movie has its flaws, but all in all was a success. The budget for the movie was a reported $14-15 million, when compared to Paranormal Activity that was shot for $15,000 and Cloverfield which was shot for $25 million but had J.J. Abrams attached. The budget was some what reasonable, but Liz Johnstone claims that it was a little much for the quality of film that was produced. The quality was just not there, she basically says.
This article talks all about the new super power movie, Chronicle. The movie has its flaws, but all in all was a success. The budget for the movie was a reported $14-15 million, when compared to Paranormal Activity that was shot for $15,000 and Cloverfield which was shot for $25 million but had J.J. Abrams attached. The budget was some what reasonable, but Liz Johnstone claims that it was a little much for the quality of film that was produced. The quality was just not there, she basically says.
Biggest Holders of US Government Debt
1. Federal Reserve and Intragovernmental Holdings
U.S. debt holdings: $6.328 trillion
2. China
U.S. debt holdings: $1.132 trillion
3. Other Investors/Savings Bonds
U.S. debt holdings $1.107 trillion
4. Japan
U.S. debt holdings: $6.328 trillion
2. China
U.S. debt holdings: $1.132 trillion
3. Other Investors/Savings Bonds
U.S. debt holdings $1.107 trillion
4. Japan
As costs continue to rise, paying for college gets tougher for many students
A student at UW-Madison is having a really difficult time at paying tuition. She's double majoring and working 30 some hours a week and her scholarship just ran out because she has to go an extra year. Thanks to inflation and less funding for state schools, tuition is rising. Colleges are trying to replace the revenue they used to get from states with revenue from students and a lot of the students are struggling. State funding for education in Wisconson dropped 13.3% this year. Their drop was one of the highest in the nation. A lot of students are graduating with thousands in debt, but advisors are still saying going to college is worth the hefty price tag and thousands in debt because it will pay off later for most kids.
Asian-American Discrimination
http://www.bloomberg.com/news/2012-02-02/harvard-targeted-in-u-s-asian-american-discrimination-probe.html
An unidentified student was rejected from both Harvard & Princeton Universities even though he was at the top of his class in California. The U.S. Education Department is investigating whether these universities deny people because of Asian-American ethnicity.
An unidentified student was rejected from both Harvard & Princeton Universities even though he was at the top of his class in California. The U.S. Education Department is investigating whether these universities deny people because of Asian-American ethnicity.
N.C. auto insurance rates aren't going up
Auto insurance rates aren't going up this year, but some people may still see their insurace go up if something happens. That's the only way it will go up.
Greece Emerges as Stock Market Winner
For the month of January Greece surprised all with gains of 23% and topping the leader boards for stock markets. Although many businesses are still underwater, to some it is a relief that there are gains.
Read More: http://www.thisismoney.co.uk/money/investing/article-2095425/Russell-Global-Indices-Greece-emerges-surprise-stock-market-winner-January-2012.html
Read More: http://www.thisismoney.co.uk/money/investing/article-2095425/Russell-Global-Indices-Greece-emerges-surprise-stock-market-winner-January-2012.html
If You Love The Stock Market, You’ll Root For The Giants On Sunday.
Although there's no real reason behind it, in years when a team from the pre-expansion NFL (in this year's Superbowl, the New York Giants) wins, the stock market ends the year higher 80% of the time. Although this is no true economic indicator, it does have a small amount of intrigue associated with it just because people love weird stats. Another strange number is that when a team has won before (as both teams have), the stocks gain on average 13% by the end of the year, as opposed to only 5% after a non-returning champion wins.
Frugality as a Challenge
http://www.savingadvice.com/articles/2012/02/01/109063_frugality-as-a-challenge.html
This is a nice article to see how someone changed their point of view on being frugal.
This is a nice article to see how someone changed their point of view on being frugal.
Progressive: we have an app for that
progressive car insurance will be releasing an app where you can do buy insurance (along with a few other options)
She won't be deported
http://usnews.msnbc.msn.com/_news/2012/02/02/10299542-fla-teenage-crash-survivor-wont-be-deported
There was a huge crash on I-75 with a dozen cars, six tractor-trailers and a motor-home collided. This 15 year old was the only of her family to survive. She was illegally here but they have decided not to deport her but, the request was that the Brazilian government financially help to fly the bodies back to Marietta for the funerals, and to Brazil for the burials. They aren't sure if they will do that though yet.
There was a huge crash on I-75 with a dozen cars, six tractor-trailers and a motor-home collided. This 15 year old was the only of her family to survive. She was illegally here but they have decided not to deport her but, the request was that the Brazilian government financially help to fly the bodies back to Marietta for the funerals, and to Brazil for the burials. They aren't sure if they will do that though yet.
OH Sh..! I’m Going to Crash!
http://farmingtonhills.injuryboard.com/automobile-accidents/oh-sh-im-going-to-crash.aspx?googleid=298076
A mother of a daughter who died in a car crash two years ago is speaking out to schools, parent gatherings, etc. to inform the dangers of phone usage while driving. Her daughter was 17 at the time, and was talking on the phone when she was hit by a truck. Now 30 states ban any phone usage for driver's under 18.
A mother of a daughter who died in a car crash two years ago is speaking out to schools, parent gatherings, etc. to inform the dangers of phone usage while driving. Her daughter was 17 at the time, and was talking on the phone when she was hit by a truck. Now 30 states ban any phone usage for driver's under 18.
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