The house I found seems to be a decent one. The bid on it was $269,212.81, while Zillow estimates that it is worth closer to $234,500. If I planned on having 4 kids one day this would probably be a pretty good call, as it has 5 bedrooms and 3 bathrooms. The guy who bought it found himself with $269,413.26 in debt after a $200.45 Deficiency.
Friday, March 30, 2012
Forclosed
http://www.zillow.com/homedetails/385-Cholla-Dr-Loveland-CO-80537/82028832_zpid/
The house I found seems to be a decent one. The bid on it was $269,212.81, while Zillow estimates that it is worth closer to $234,500. If I planned on having 4 kids one day this would probably be a pretty good call, as it has 5 bedrooms and 3 bathrooms. The guy who bought it found himself with $269,413.26 in debt after a $200.45 Deficiency.
The house I found seems to be a decent one. The bid on it was $269,212.81, while Zillow estimates that it is worth closer to $234,500. If I planned on having 4 kids one day this would probably be a pretty good call, as it has 5 bedrooms and 3 bathrooms. The guy who bought it found himself with $269,413.26 in debt after a $200.45 Deficiency.
Foreclosure Opportunity
I found this house located at 1041 Cypress Drive,
Fort Collins, CO 80521. The opening offer starts at $47,698.05, and the houses worth is estimated at $174,000. This house is located west of CSU making CSU fairly easy to get to. You can get get a 10 year fixed loan of $48,000 and expect to pay about $500 a month.
Forclosed House
http://www.zillow.com/homedetails/128-S-Monroe-Ave-Loveland-CO-80537/13891044_zpid/
this house has 2 bed 1 bath and is a smaller size like I like. It's in or close to Downtown Loveland. It has a tree in the front yard too. A little part of a fence too. It looks nice inside and out. The only problems might have to do with heating or cooling from what I can see. Maybe lead paint too sense it's pretty old. That's about it.
this house has 2 bed 1 bath and is a smaller size like I like. It's in or close to Downtown Loveland. It has a tree in the front yard too. A little part of a fence too. It looks nice inside and out. The only problems might have to do with heating or cooling from what I can see. Maybe lead paint too sense it's pretty old. That's about it.
Forclosure Opportunity
I found this house at 12905 Palomino Place, Wellington, CO 80549 offered at opening bid price of
$195,334.75. Zillow has a Z-estimate of $219,600.00. It is out near Owl Canyon and just west of I25, and has a little bit of land with it, almost 2 and a half acres. For what I want to do, this piece of property would be perfect. Neighbors aren't too close, but are still there. If I was wanting to settle down, this would be the perfect family house with 3 beds and 2 baths. I could also have the amount of stock that I wanted and would be near my vet. The commute would not be too bad, but a job in Wellington would be preffered. A small town is where I want to be, and Wellington is a great place to be.
foreclosed home
http://www.redfin.com/CO/Fort-Collins/2044-Falcon-Ridge-Dr-80528/home/35096772
2044 Falcon Ridge Drive, Fort Collins, CO 80528
Ranch style home built in 2002. 2 bed, 2 bath. 2,436 sq feet. $205k asking price on redfin. Foreclosure #: 2011-0953
bid- $172,000.00
bid- $172,000.00
Forcloser Opportunity
I found this house at
| LOT 8, BLOCK 9, ARBOR MEADOWS SECOND SUBDIVISION TO THE CITY OF LOVELAND, COUNTY OF LARIMER, STATE OF COLORADO. |
Foreclosure opportunity
I found this house at 6809 Brittany Dr, Fort Collins, CO 80525 offered at opening bid price of $134,000. Zillow has a Z-estimate of $175,000 and it is a very nice neighborhood on Ft Collin's SE Side of town. I think this would be a great opportunity if I was close to graduating college and planned to stay in the area or if I could attend CSU/FRCC and rent out to my friends- With 2 renters each paying $400 ea, I could exceed the mortgage payment of $592 and would become "Cash positive" - dd
Foreclosure in Fort Collins
I found this house in foreclosure in Fort Collins for $292,000.. It is a 3 bed, 2.5 bath, 2600 sq ft in a neighborhood of $300,00-$500,000 houses. Zillow has it listed below the opening bid at $281,000. Nice property near Robert Benson Lake. I think it wouldb e agood investment property. Buy it at this low, low price and turn around in a few months and sell it for $360,00 or so to match the neightbors. That would be a decent way to make $70,000 or $80,000. Rent Z Estimate is $1500/mo.
Foreclosure opportunity
I found this house at 385 Cholla Drive, Loveland, CO 80538 offered at $269,212.81. Zillow's Zestimate is $234,500. It is a five bedroom, three bath house. The property is valued at $300,000. The lot size is pretty decent. I don't think I would buy it because the Zillow Zestimate is lower than the initial bidding price.
zillow
http://www.zillow.com/homedetails/1208-Patricia-Dr-Loveland-CO-80537/13890764_zpid/
This 1282 square foot single family home has 3 bedrooms and 1.75 bathrooms. It is Zestimated at $161,700, and the opening bid is about $136,000.
http://www.zillow.com/homedetails/1609-Jackson-Ave-Loveland-CO-80538/13884478_zpid/
This is a older house, but is at $90,000 and last sold a few years ago for about $150,000
Foreclosure Home
  Foreclosure:
#: |
2011-0907
|
The Grantor:
|
J.F. Baird and
Bonny K. Baird
|
Street Address: 845
Langdale Drive, Fort Collins, CO 80526
|
Lender's Bid
Amount:
|
$50,000.00
|
Deficiency:
|
$105,023.88
|
Total Indebtedness:
$155,023.88
|
http://www.trulia.com/homes/Colorado/Fort_Collins/sold/1234190-845-Langdale-Dr-Fort-Collins-CO-80526
This is a 4 bedroom, 3 bath home with 2,240 square feet. It was built in 1993 and is in Clarendon Hills.
(This home is now off the market)
foreclosed home
http://www.zillow.com/homedetails/3533-N-County-Road-23e-Laporte-CO-80535/13925735_zpid/
house comes with land. the house is a small cabin with 3 bedrooms and 2 baths. from a birds eye view, it looks like its still in good shape.
zillow says its worth 161,800 but the foreclose websit says 80,000
house comes with land. the house is a small cabin with 3 bedrooms and 2 baths. from a birds eye view, it looks like its still in good shape.
zillow says its worth 161,800 but the foreclose websit says 80,000
house foreclosure
http://www.zillow.com/homedetails/1491-Chickadee-St-Loveland-CO-80537/54688958_zpid/
this house was origionally listed at 241,869.43 but they are asking 124,900.00 for it. There isnt any pictures so idk how nice it is but it looks ok from the outside.
this house was origionally listed at 241,869.43 but they are asking 124,900.00 for it. There isnt any pictures so idk how nice it is but it looks ok from the outside.
Foreclosed house
http://www.zillow.com/homedetails/56-Birdie-St-Red-Feather-Lakes-CO-80545/13854866_zpid/
I think that this would be a good house to invest in because it is relatively close to places such as loveland, and if i were to split the mortgage with 2 other friends it would only be $210 a month.
I think that this would be a good house to invest in because it is relatively close to places such as loveland, and if i were to split the mortgage with 2 other friends it would only be $210 a month.
Foreclosure
http://www.zillow.com/homedetails/5018-Switchgrass-Ct-Fort-Collins-CO-80525/13893667_zpid/
This 4,095 spuare foot house is located in Fort Collins, offered at opening bid price of $502,000. Zillow estimates the price to be lower, around $430,000. This would be a good house for a well to do family who wants to settle down near some schools.
This 4,095 spuare foot house is located in Fort Collins, offered at opening bid price of $502,000. Zillow estimates the price to be lower, around $430,000. This would be a good house for a well to do family who wants to settle down near some schools.
Bargain Home
Depending on the day, this would be close to what I would settle for: http://www.trulia.com/property/3076149651-625-Bentbrook-Dr-Findlay-OH-45840
or: http://www.trulia.com/property/3079934506-3365-N-Park-Blvd-Cleveland-Heights-OH-441
or: http://www.trulia.com/property/3079934506-3365-N-Park-Blvd-Cleveland-Heights-OH-441
Bargain House
http://www.trulia.com/property/3002719913-3173-Foxtail-St-Bozeman-MT-59718 ($279,900)
http://www.trulia.com/property/3079228600-392-Cedar-Wood-Cir-Bozeman-MT-59718 ($229,900)
http://www.trulia.com/property/3077805663-177-Kimball-Ave-B-Bozeman-MT-59718 ($235,000)
http://www.trulia.com/property/3053192345-202-Hanley-Ave-A-Bozeman-MT-59718 ($185,000)
http://www.trulia.com/property/3079228600-392-Cedar-Wood-Cir-Bozeman-MT-59718 ($229,900)
http://www.trulia.com/property/3077805663-177-Kimball-Ave-B-Bozeman-MT-59718 ($235,000)
http://www.trulia.com/property/3053192345-202-Hanley-Ave-A-Bozeman-MT-59718 ($185,000)
Bargain House~
http://www.trulia.com/property/1046592953-16948-Corner-Hill-Ct-Orlando-FL-32820
$125,000
4 bedrooms, 2 bathrooms.
2,222 sq ft.
Close to Disney World! (:
$125,000
4 bedrooms, 2 bathrooms.
2,222 sq ft.
Close to Disney World! (:
Wednesday, March 28, 2012
Dream House~
http://www.zillow.com/homedetails/335-N-Hyer-Ave-Orlando-FL-32803/89676432_zpid/
Downtown Orlando! Six bedrooms, 6.5 bathrooms.
Only fifteen minutes away from Disney World! :)
Downtown Orlando! Six bedrooms, 6.5 bathrooms.
Only fifteen minutes away from Disney World! :)
Dream House
http://www.redfin.com/MA/Salem/19-Beach-Ave-01970/home/8405932
Salem, MA, coast house within driving distance of Boston
Salem, MA, coast house within driving distance of Boston
House
http://www.redfin.com/NY/Great-Neck/1-Shore-Dr-11021/home/20576871
I want to live in New York Someday, This House Is In Queens...I Kinda Like It. But Its The Only One I Found Close To the City.
I want to live in New York Someday, This House Is In Queens...I Kinda Like It. But Its The Only One I Found Close To the City.
Dream House
http://www.zillow.com/homedetails/419-High-Seas-Port-Arthur-TX-77640/50375300_zpid/
$289,900
Zestimate: $306,700
Est. Mortgage: $1,086
$289,900
Zestimate: $306,700
Est. Mortgage: $1,086
| Beds: | 3 |
|---|---|
| Baths: | 4 |
| Sqft: | 2,881 |
| Lot: | 4,748 sq ft / 0.11 acres |
| Type: | Single Family Unable to find on Redfin. |
Monday, March 26, 2012
Zillow House
http://www.zillow.com/homedetails/940-Wright-Ct-Golden-CO-80401/13763299_zpid/
I like this house a lot :)
I like this house a lot :)
773 Beaver Cove Ct.
http://www.zillow.com/homedetails/773-Beaver-Cove-Ct-Loveland-CO-80537/13888320_zpid/
$649,000
$2,454/month estimated
$649,000
$2,454/month estimated
| Beds: | 4 |
|---|---|
| Baths: | 3 |
| Sqft: | 3,832 |
| Lot: | 11,833 sq ft / 0.27 acres |
| Type: | Single Family |
| Year built: | 1999 |
| Last sold: | Nov 1997 for $145,000 |
| Parking: | Garage - Attached |
| Cooling: | Central |
| Heating: | |
| Fireplace: | Yes |
| On Zillow: | 22 days |
| MLS #: | 674652 |
Dream House!
http://www.zillow.com/homedetails/712-Alba-Dr-Orlando-FL-32804/46182542_zpid/
My dream house! Right in downtown Orlando, Florida and only a half hour away from Disney World!
My dream house! Right in downtown Orlando, Florida and only a half hour away from Disney World!
President Obama Asks Medvedev for 'Space' on Missile Defense - 'After My Election I Have More Flexibility'
http://news.yahoo.com/president-obama-asks-medvedev-space-missile-defense-election-101729176--abc-news.html
At the tail end of his 90 minute meeting with Russian President Dmitri Medvedev Monday, President Obama said that he would have "more flexibility" to deal with controversial issues such as missile defense, but incoming Russian President Vladimir Putin needs to give him "space." He said this as press was entering the room and accidentally annouced it to them with his live mic. When questioned about his comment all he said was that there will always be a lot of rhetoric surrouding the Russian election last year and the US election this year.
At the tail end of his 90 minute meeting with Russian President Dmitri Medvedev Monday, President Obama said that he would have "more flexibility" to deal with controversial issues such as missile defense, but incoming Russian President Vladimir Putin needs to give him "space." He said this as press was entering the room and accidentally annouced it to them with his live mic. When questioned about his comment all he said was that there will always be a lot of rhetoric surrouding the Russian election last year and the US election this year.
How to get the most out of your car insurance
http://www.kare11.com/today/article/969145/449/Maximizing-Auto-Insurance
*Stack your no fault benefits.
*Increase your under insured and uninsured motorist coverage to at least $100,000.
*All vehicles in your household should have insurance policies written with the same name insured and the same limits for each vehicle.
*Purchase optional no fault coverage for your motorcycle.
*Stack your no fault benefits.
*Increase your under insured and uninsured motorist coverage to at least $100,000.
*All vehicles in your household should have insurance policies written with the same name insured and the same limits for each vehicle.
*Purchase optional no fault coverage for your motorcycle.
Summer Jobs
Summer jobs arn't just a way for students to get extra cash. But, also teach teens financial responsibility.
Thursday, March 22, 2012
Can the Broncos afford Manning?
http://sports.yahoo.com/nfl/news?slug=ys-cnbc-manning_denver_business_031912
According to the Broncos, making money off of Manning will be very difficult. His deal could average $18 million a year.
According to the Broncos, making money off of Manning will be very difficult. His deal could average $18 million a year.
making ends meet
the #1 way to make ends meet is make a budget. know how much you make and learn how to budget it
Saving money on gas
Tips:
1. Take all the junk out of your car (up to 7 cents per gallon)
2. Pay in cash, many credit cards will hit their gas caps and cost more money (up to 15 cents per gallon)
3. You waste gas when you brake hard and accelerate hard, so don't do that. (up to $1.27 per gallon)
4. Maintain the right air pressure in your car, under or over inflation can reduce fuel efficiency by 3% (up to 12 cents per gallon)
5. Some grocery stores offer discounts on gas the more groceries you buy from them (up to $2.20 per gallon)
6. Find more fuel efficient routes (up to 30 cents per gallon)
1. Take all the junk out of your car (up to 7 cents per gallon)
2. Pay in cash, many credit cards will hit their gas caps and cost more money (up to 15 cents per gallon)
3. You waste gas when you brake hard and accelerate hard, so don't do that. (up to $1.27 per gallon)
4. Maintain the right air pressure in your car, under or over inflation can reduce fuel efficiency by 3% (up to 12 cents per gallon)
5. Some grocery stores offer discounts on gas the more groceries you buy from them (up to $2.20 per gallon)
6. Find more fuel efficient routes (up to 30 cents per gallon)
The Key to Creating--and Sticking to--a Budget: Why budgeting is so hard to sustain, and what you can do to improve your chances of success
The best place to start is to take inventory of where your money goes. A lot of people have a rough idea of where they spend. Watch it for a month or two and you'll find out where it all goes. Another area to target early is high-interest credit card debt. This debt can end up costing much more than the initial purchase. So watch the credit cards! You need to see how much money you get a month then take out the constant bills. Slowly getting off of what you're used to spending things on will really help. Even if it's just $100. You can't believe you're depriving yourself. That is the key.
Investing on a Limited Budget
If you are on a limited budget they say to look at what you are spending your money on and should invest it. They also say that if your company offers a 401k that it should be your first option as your company is giving you free money to invest.
Too many passwords? Just one does the trick
You can get a secure password from a place like 1Password and a company like that will give you a master password that works for all of your accounts, even if the accounts have different passwords somehow. People are worrying about the passwords they use nowadays because so many money transactions happen online and so companies like 1Password are being created.
Prosecutors: Teen planned to rob British tourists
http://www.wgme.com/template/inews_wire/wires.national/3441f77c-www.wgme.com.shtml
SARASOTA, Fla. (AP) -- Prosecutors say a Florida teen accused of killing two British tourists told a friend that he saw the victims walking in his neighborhood and that he intended to rob them.
Prosecutors said Thursday in their opening statements that the men didn't have money, so 17-year-old Shawn Tyson shot them instead. Tyson is charged with two counts of first-degree murder.
Opening statements in the trial began Thursday morning.
Authorities say Tyson shot and killed 24-year-old James Kouzaris and 25-year-old James Cooper last April. If convicted, Tyson faces life in prison. He cannot face the death penalty because he is 17.
Defense attorney Carolyn Schlemmer said during her opening statement that there is nothing to tie Tyson to the shootings and that witnesses testifying against him are unreliable. The weapon used to kill the two men was never found.
SARASOTA, Fla. (AP) -- Prosecutors say a Florida teen accused of killing two British tourists told a friend that he saw the victims walking in his neighborhood and that he intended to rob them.
Prosecutors said Thursday in their opening statements that the men didn't have money, so 17-year-old Shawn Tyson shot them instead. Tyson is charged with two counts of first-degree murder.
Opening statements in the trial began Thursday morning.
Authorities say Tyson shot and killed 24-year-old James Kouzaris and 25-year-old James Cooper last April. If convicted, Tyson faces life in prison. He cannot face the death penalty because he is 17.
Defense attorney Carolyn Schlemmer said during her opening statement that there is nothing to tie Tyson to the shootings and that witnesses testifying against him are unreliable. The weapon used to kill the two men was never found.
Tuesday, March 20, 2012
Can the Broncos afford Manning?
First of all, Peyton could cost up to $18 million a year. They have many good sources of income, and when Tim Tebow, who is also owed $1.57 million this year, can get a bit, so can Manning.
http://sports.yahoo.com/nfl/news?slug=ys-cnbc-manning_denver_business_031912
http://sports.yahoo.com/nfl/news?slug=ys-cnbc-manning_denver_business_031912
Las Vegas Teen Wins Rap Contest
http://www.lasvegassun.com/news/2012/mar/17/las-vegas-teens-rap-about-saving-future-wins-natio/
A Las Vegas teenage girl, Syretha Shirley, won a rap contest for financial literacy. Her song "Time is Money" talks about the importance of investing and planning for the future. She won $500 and a trip to Atlanta to record a music video for her song.
A Las Vegas teenage girl, Syretha Shirley, won a rap contest for financial literacy. Her song "Time is Money" talks about the importance of investing and planning for the future. She won $500 and a trip to Atlanta to record a music video for her song.
When being frugal can backfire
The article was about how saving on certain things and doing certain things simply isn't worth it, like driving out of your way to buy the cheapest gas because it's troublesome and you waste gas driving there.
Renewable Energy
Renewable energy looks promising in that investors could make make money. Although the collapse of Solyndra scared many people, but RPS expects renewable energy to double by 2020 and on the plus side prices could be fixed for 20 years.
Read more: http://www.forbes.com/sites/mindylubber/2012/03/20/investors-are-making-money-on-renewable-energy/
Read more: http://www.forbes.com/sites/mindylubber/2012/03/20/investors-are-making-money-on-renewable-energy/
Prom Saving Tips! Get Pretty On A Budget
http://www.huffingtonpost.com/2012/03/19/prom-saving-tips-get-pret_n_1365643.html
Prom is expensive so you should cut corners wherever possible. One of the biggest expenses girls will face is the dress.
Prom is expensive so you should cut corners wherever possible. One of the biggest expenses girls will face is the dress.
- Recycle
- Borrow
- Thrift
- Rent
College Grads
Reports show that jobs are increasing for college grads and students now have double the chance of landing a job after graduation
Job Prospects Improve for College Graduates
http://www.loansafe.org/job-prospects-improve-for-college-graduates
College seniors will have a better shot at employment this summer over past years. Also their are more companies at college campus job fairs. Things are looking more worth while for going to college.
College seniors will have a better shot at employment this summer over past years. Also their are more companies at college campus job fairs. Things are looking more worth while for going to college.
Friday, March 16, 2012
Daybreak - Paying for college with loans
http://www.trivalleycentral.com/articles/2012/03/14/casa_grande_dispatch/national_headlines/doc4f60bc18ca21c155961870.txt
Interest rate for a federal subsidized loan will raise from 3.4 to 6.8% this summer if congress doesnt act.
Interest rate for a federal subsidized loan will raise from 3.4 to 6.8% this summer if congress doesnt act.
The Big Picture: 'American Pie' franchise is back
Read more here: http://www.kansascity.com/2012/03/15/3492649/the-big-picture-american-pie-franchise.html#storylink=cpy
The new $50-million film reunites the original cast, now playing young thirtysomethings, returning to the mythical hamlet of East Great Falls, Mich., for a high school reunion.
"American Reunion" is a perfect fit for the age of pop nostalgia. By letting us see our favorite teen dimwits all grown up, it reminds us that we're never too old to act young and hilariously dumb all over again.
The new $50-million film reunites the original cast, now playing young thirtysomethings, returning to the mythical hamlet of East Great Falls, Mich., for a high school reunion.
"American Reunion" is a perfect fit for the age of pop nostalgia. By letting us see our favorite teen dimwits all grown up, it reminds us that we're never too old to act young and hilariously dumb all over again.
Monday, March 12, 2012
Divorced parents in S.C. may have to pay for college.
parents who pay child support may now have to pay for their childrens college. because college is such an important part of life that parents who play child support now may have to start paying for their childrens college.
The Biggest Retailer You've Never Heard Of.
http://www.dailyfinance.com/2012/03/08/the-biggest-retailer-youve-never-heard-of/
Rue 21.
The company has 750 stores nationwide but only cater to smaller towns and rural areas. They do this because there are fewer competitors in smaller towns and more consumers tend to shop at their outlets. It is also relatively cheap for people to open a Rue 21 in a rural area rather than an American Eagle or a Forever 21.
Rue 21.
The company has 750 stores nationwide but only cater to smaller towns and rural areas. They do this because there are fewer competitors in smaller towns and more consumers tend to shop at their outlets. It is also relatively cheap for people to open a Rue 21 in a rural area rather than an American Eagle or a Forever 21.
Stocks Struggle on China
http://money.msn.com/market-news/post.aspx?post=2d674935-bdd6-4642-88a0-8b5d409b41b6&_nwpt=1
Basically, China is suffering from the euro zone debt crisis and has increased imports by almost 40%, which all in all has had a bad effect on our market
Basically, China is suffering from the euro zone debt crisis and has increased imports by almost 40%, which all in all has had a bad effect on our market
Retailer Takes A Different Strategy
A major retail, Rue21, targets secondary markets that are in rural areas and small towns. They currently operate 750 stores and believe they can support up to 1,000 stores. Rue21 also uses a different strategy when it comes to marketing; they do not have a big ad budget and rely mainly on word-by-mouth. Onto the finical part, opening a new store normally calls for an initial investment of $160,000, and within a year you can expect net sales of $900,00 to 1.1 million.
The Biggest Retailer You've Never Heard Of
Rue21 is targeting small towns and rural areas to open their stores in. They try and open in towns with 250,000 or less people with not a lot of competition. Their idea is to provide teens with the newest fashion as fast as they can and even beat Wal-Mart and Target because the amount of clothing in one Rue21 store is so concentrated. Rue21 doesn't advertise traditionally and instead operates on viral ads and word of mouth, which is different. Rue21 is considered a good investment because to open a store it costs $160,000 but usually makes $900,000- 1.1 million in its first year. The article encouraged people to invest in this teen retail focused company.
Auto Sales Continue to Rise; Car Insurance Rates Don't Have to Follow
Erie Insurance rate lock gives customers control over their auto insurance, potentially for years, by locking in insurance rates until they change a driver, vehicle or address. Erie is currently available in Illinois, Indiana, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Washington, D.C., and Wisconsin. It doesn't guarantee continued coverage though.
Teens and tabacco
If you go to the website of the Surgeon General of the United States (surgeongeneral.gov), you can see a new public service announcement featuring teenagers in a cemetery, talking about the harmful consequences of smoking. It resembles hundreds of other spots we've all seen, and it's likely to have the same effect — not much.
The ad accompanies a new report which laments the stalled progress against adolescent tobacco use. After a sharp drop in youth smoking between 1997 and 2004, the decline has slowed, and today, 18.7 percent of high school seniors use cigarettes.
That's a higher rate than anyone would like, but some humility is in order. Smoking is often an act of youthful rebellion, and it's the nature of rebellious youth that the more they are told something is bad for them, the more they want to do it. Efforts to inform kids about the hazards of tobacco are worthwhile, but only among kids who are open to such messages.
The report puts the blame on tobacco companies for spending nearly $10 billion a year on advertising and promotion. But it's easy to exaggerate how much impact that spending has on kids.
After all, as the surgeon general acknowledges, "the Master Settlement Agreement with the tobacco companies in 1998 resulted in the elimination of billboard and transit advertising, eliminated print advertising that directly targeted underage youth, and limited the use of brand advertising."
Most marketing funds are now spent on price discounts, and the report argues that these are especially enticing to kids because they are more price-sensitive. But keep in mind that no one under age 18 is legally allowed to purchase tobacco products anymore. And money-saving promotions are a reasonable tool for capturing market share among adult smokers.
If you think advertising is the culprit, keep in mind that cigarettes are now less popular with high school seniors than marijuana — and pot doesn't have a $10 billion marketing budget. It's tempting to blame Big Tobacco for corrupting kids. But that view endows ad departments with far more power than they actually have.
So what can be done about teen smoking? It's wise to accept the limits of anti-tobacco efforts. The administration's dream "to make the next generation tobacco-free" is unrealistic, given that some kids will always want to take needless risks.
But some useful steps could be taken. One is tightening enforcement of laws against selling tobacco to minors — with prosecution of adults who buy smokes for high school students.
Another is raising taxes on these products. The Campaign for Tobacco-Free Kids says research suggests that a 10 percent increase in the price of cigarettes cuts kids' smoking by about 7 percent.
Making cigarettes less affordable and less accessible will help to reduce the amount of teen smoking. But more preaching? A lot of kids are really good at tuning that out
The ad accompanies a new report which laments the stalled progress against adolescent tobacco use. After a sharp drop in youth smoking between 1997 and 2004, the decline has slowed, and today, 18.7 percent of high school seniors use cigarettes.
That's a higher rate than anyone would like, but some humility is in order. Smoking is often an act of youthful rebellion, and it's the nature of rebellious youth that the more they are told something is bad for them, the more they want to do it. Efforts to inform kids about the hazards of tobacco are worthwhile, but only among kids who are open to such messages.
The report puts the blame on tobacco companies for spending nearly $10 billion a year on advertising and promotion. But it's easy to exaggerate how much impact that spending has on kids.
After all, as the surgeon general acknowledges, "the Master Settlement Agreement with the tobacco companies in 1998 resulted in the elimination of billboard and transit advertising, eliminated print advertising that directly targeted underage youth, and limited the use of brand advertising."
Most marketing funds are now spent on price discounts, and the report argues that these are especially enticing to kids because they are more price-sensitive. But keep in mind that no one under age 18 is legally allowed to purchase tobacco products anymore. And money-saving promotions are a reasonable tool for capturing market share among adult smokers.
If you think advertising is the culprit, keep in mind that cigarettes are now less popular with high school seniors than marijuana — and pot doesn't have a $10 billion marketing budget. It's tempting to blame Big Tobacco for corrupting kids. But that view endows ad departments with far more power than they actually have.
So what can be done about teen smoking? It's wise to accept the limits of anti-tobacco efforts. The administration's dream "to make the next generation tobacco-free" is unrealistic, given that some kids will always want to take needless risks.
But some useful steps could be taken. One is tightening enforcement of laws against selling tobacco to minors — with prosecution of adults who buy smokes for high school students.
Another is raising taxes on these products. The Campaign for Tobacco-Free Kids says research suggests that a 10 percent increase in the price of cigarettes cuts kids' smoking by about 7 percent.
Making cigarettes less affordable and less accessible will help to reduce the amount of teen smoking. But more preaching? A lot of kids are really good at tuning that out
When being frugal can backfire
1. Gardening to save money on produce.
2. Newspaper coupons.
3. Driving out of your way to save money on gas.
4. Visiting multiple stores to save a few bucks.
5. Choosing too-cheap childcare.
6. Skipping maintenance -- for your car, your house, or you.
7. Buying bottled water in bulk.
8. Keeping your house an uncomfortable temperature.
9. Buying scratchy toilet paper.
10. Visiting a restaurant on "free" days.
2. Newspaper coupons.
3. Driving out of your way to save money on gas.
4. Visiting multiple stores to save a few bucks.
5. Choosing too-cheap childcare.
6. Skipping maintenance -- for your car, your house, or you.
7. Buying bottled water in bulk.
8. Keeping your house an uncomfortable temperature.
9. Buying scratchy toilet paper.
10. Visiting a restaurant on "free" days.
Auto Sales Continue to Rise; Car Insurance Rates Don't Have to Follow
http://www.marketwatch.com/story/auto-sales-continue-to-rise-car-insurance-rates-dont-have-to-follow-2012-03-12
In Februray sales for new cars was its highest rate since March of 2008. While many know that getting a new car increases the rates, many people are surprised by higher rates either from an accident, ticket, or just the company raising rates.
In Februray sales for new cars was its highest rate since March of 2008. While many know that getting a new car increases the rates, many people are surprised by higher rates either from an accident, ticket, or just the company raising rates.
Thursday, March 8, 2012
Charges arise from teen drinking party
The New movie "Project-X" most likely influced this event.
The North Hampton officers who initially responded to the anonymous call that came in at just past 11 p.m. Greenland and state police, 23 young people, ages 16 to 19, were rounded up.
The North Hampton officers who initially responded to the anonymous call that came in at just past 11 p.m. Greenland and state police, 23 young people, ages 16 to 19, were rounded up.
A number of teens also fled into the woods, "One of the two state police units was called after one of the party attendees appeared to be attempting to flee the scene upon our arrival and backed into a North Hampton police cruiser that was no longer occupied by an officer."
The individual who backed into the police cruiser while attempting to escape apprehension may also be charged, the chief said, and there may be more charges coming.
"There are a number of investigations continuing to try to determine where the alcohol came from and who may have supplied it, and, of course, an investigation for possible charges of hosting an under-aged house party and possession of a controlled drug, so the investigations are far from over,"
Tuesday, March 6, 2012
For these high-schoolers, finance is a game
Highschoolers can learn how to manage their money by playing games like 'second life' or in this case "Mo'doh Island," a new game. These games, although having different abilities can help kids manage their life and almost give them a second chance out here in the real world, not to mess up their financial life.
Teen Moms Fight Government's Program Cuts.
http://www.wwlp.com/dpp/news/politics/state_politics/Teen-moms-fight-govs-program-cuts
Hundreds of teen moms in Boston, Massachusettes gathered at Beacon Hill, asking lawmakers to fund teen parenting and pregnancy prevention programs in the state budget.
Hundreds of teen moms in Boston, Massachusettes gathered at Beacon Hill, asking lawmakers to fund teen parenting and pregnancy prevention programs in the state budget.
Slim Beats Gates in First Daily Billionaire Ranking
Carlos Slim, who controls Mexico's America Movil SAB is now the richest person on earth according to Bloomberg Billionares index. Bill fell $478.4 million in a day to $68.5 billion due to the market. He is now in 2nd with Warren Buffet in 3rd.
Charges arise from teen drinking party
http://www.seacoastonline.com/apps/pbcs.dll/article?AID=/20120306/NEWS/203060360/-1/NEWSMAP
A major teen drinking party happened in North Hampton on febuary 25th. 23 people (ages 17-19) were arrested and many more fled into the woods. Charges are yet to be finalized. It is not yet known where the alchohol was supplied from.
A major teen drinking party happened in North Hampton on febuary 25th. 23 people (ages 17-19) were arrested and many more fled into the woods. Charges are yet to be finalized. It is not yet known where the alchohol was supplied from.
Carrick's Reader: We wish like hell we had never bought
A must read for young adults for buying a house. In it, a 32 year old shows regrets of buying a house 5 years ago with his wife. He talks about the financial drain of home ownership which he calls “constant upkeep and expense.”
Teen moms fight gov's program cuts
The government is cutting budgets everywhere and one of the areas they are trying to cut funding from are pre and post natal programs for teen moms. The teen moms are protesting because a lot of the programs that helped them when they were pregnant would suffer and they know how necessary and helpful they are. One of the ones they were especially upset about is called Square One that provides parenting skills and supports them in continuing their education and careers. They don't want programs like Square One to be cut because the program teaches the mothers how to be independent and not reliant on government help in the long run.
Charges arise from teen drinking party
In North Hampton, teens were busted on Feb. 25 for underage drinking at a house party. 23 young people ages 16-19 were rounded up. Teens fled into the woods, hiding in water near by and even becoming hypothermic. They were all released into parental custody, but charges are fixing to be brought up.
Charges arise from teen drinking party
The New movie "Project-X" most likely influced this event.
The North Hampton officers who initially responded to the anonymous call that came in at just past 11 p.m. Greenland and state police, 23 young people, ages 16 to 19, were rounded up.
The North Hampton officers who initially responded to the anonymous call that came in at just past 11 p.m. Greenland and state police, 23 young people, ages 16 to 19, were rounded up.
A number of teens also fled into the woods, "One of the two state police units was called after one of the party attendees appeared to be attempting to flee the scene upon our arrival and backed into a North Hampton police cruiser that was no longer occupied by an officer."
The individual who backed into the police cruiser while attempting to escape apprehension may also be charged, the chief said, and there may be more charges coming.
"There are a number of investigations continuing to try to determine where the alcohol came from and who may have supplied it, and, of course, an investigation for possible charges of hosting an under-aged house party and possession of a controlled drug, so the investigations are far from over,"
New Three-Year Degree Programs Trim College Costs: Any student may be able to wrangle similar savings with focus and planning.
http://www.chicagotribune.com/news/sns-201203061004usnewsusnwr201202290229threeyeardegreemar06,0,7012321.story
The schools of Grace College and Seminary, Baldwin-Wallace College, Lesley University, and St. John's University have introduced 3 year degrees. With this students are taking more, short classes, and free summer classes.
The schools of Grace College and Seminary, Baldwin-Wallace College, Lesley University, and St. John's University have introduced 3 year degrees. With this students are taking more, short classes, and free summer classes.
Friday, March 2, 2012
Teen Cell Phone Ban Clears Legislative Panel
http://www.wisconsinrapidstribune.com/usatoday/article/38704041?odyssey=mod%7Cnewswell%7Ctext%7CFRONTPAGE%7Cs
In Juneau, Alaska, the state approved a ban on cellphone use with minors while driving. The state is hoping to cut down on the amount of car accidents due to cell phone usage while driving.
In Juneau, Alaska, the state approved a ban on cellphone use with minors while driving. The state is hoping to cut down on the amount of car accidents due to cell phone usage while driving.
Paying for College
It is becoming more and more difficult for people to pay for college and have a job at the same time. The cost of college rises meanwhile highschoolers are faced with minimum wage that doesnt keep up with expenses. Paying for college alone is one thing but paying for books, food, and living space is alot more than many can handle.
Retire without quitting your job
T. Rowe has discovered that you can tap into your social security funds and such but you can't stop working basically
http://money.msn.com/retirement-plan/retire-without-quitting-your-job-weston.aspx
http://money.msn.com/retirement-plan/retire-without-quitting-your-job-weston.aspx
Teen Cell Phone Ban Clears Committee
http://www.adn.com/2012/03/01/2346452/teen-cell-phone-ban-clears-committee.html
In Alaska, they have banned texting while driving to drivers under the age of 18.
It has not been approved in the past because there is really no way to enforce it. Also, adult drivers would just be hassled if the officer's thought they were under 18, because there is really no way to tell the age of someone just by looking at them.
In Alaska, they have banned texting while driving to drivers under the age of 18.
It has not been approved in the past because there is really no way to enforce it. Also, adult drivers would just be hassled if the officer's thought they were under 18, because there is really no way to tell the age of someone just by looking at them.
ETFs Holding Lots of Gold
Currently ETFs are hold close to 2,400 metric tons of gold becoming the fourth largest gold holdings. The question is: are ETFs going to keep prices high or is there a bubble forming?
Read more: http://blogs.wsj.com/marketbeat/2012/03/02/etfs-hold-more-gold-than-italy-france/?mod=google_news_blog
Read more: http://blogs.wsj.com/marketbeat/2012/03/02/etfs-hold-more-gold-than-italy-france/?mod=google_news_blog
Schools embrace financial literacy program
Shawnee Heights High School in Topeka has decided to make personal finance a required online class, as the school feels that personal finance is just as important as health and fitness. A local bank is sponsoring the program's integration and so it isn't even costing the school much money to implement it and students seem to really enjoy it. The students say that the online program is better and more interactive than listening to a teacher talk at them and the school hopes that this will help teenagers be more aware and knowledgable about the world of finance. The governer thinks it should be integrated statewide for the state's future.
Stock Market News for March 2nd
A large economic injection by the European Central Bank helped stocks make slight gains today. However, further gains were marred some unencouraging economic data and news of an explosion in a Saudi oil pipeline. However, the financial sector did see stronger gains today, as some banks gained 3% or more.
Teen charged as juvenile in Ohio school shootings
http://www.detroitnews.com/article/20120302/NATION/203020375/Briefs-Teen-charged-juvenile-Ohio-school-shootings?odyssey=mod%7Cnewswell%7Ctext%7CFRONTPAGE%7Cs
The 17 year old was finally charged with killing 3 students and wounding 2 others in the shooting Monday morning at Chardon High School, about 30 miles east of Cleveland.
Story 2:
A court filing Thursday by prosecutors in the Jerry Sandusky child sex abuse case said his alleged victims ranged in age from 8 to 17, and that crimes involving eight of the boys occurred on the Penn State University campus. 52 criminal counts at age 68.
Story 3:
Maryland approves gay marriage.
The 17 year old was finally charged with killing 3 students and wounding 2 others in the shooting Monday morning at Chardon High School, about 30 miles east of Cleveland.
Story 2:
A court filing Thursday by prosecutors in the Jerry Sandusky child sex abuse case said his alleged victims ranged in age from 8 to 17, and that crimes involving eight of the boys occurred on the Penn State University campus. 52 criminal counts at age 68.
Story 3:
Maryland approves gay marriage.
School Shooting
Chardon, Ohio— A teenager was charged Thursday with killing three students in a school shooting, the first step in proceedings that could see him charged as an adult and facing the possibility of life without parole if convicted. The charges filed in Geauga County juvenile court accuse T.J. Lane, 17, of killing three students and wounding two others in the shooting Monday morning at Chardon High School, about 30 miles east of Cleveland.
Earlier Thursday morning, students still reeling from the slayings marched by the hundreds to their reopened school and family members of victims recounted their losses.
Earlier Thursday morning, students still reeling from the slayings marched by the hundreds to their reopened school and family members of victims recounted their losses.
Feedback on changes to short-selling
Two major Canadian stock market regulators are asking investors to weigh in on how to stregthen standards related to short sales and failded trades
Glendale library cuts
http://www.azcentral.com/community/glendale/articles/2012/02/27/20120227glendale-residents-fear-more-cuts-library-service.html
In Glendale they are having to make budget cuts to there libraries if not completely take them down. People are debating on these cuts and trying to decide what should be cut some say take away from the communities activities budget, which funds lectures and teen programs. they said those extras are nice, but not essential. No body even goes to libraries anymore you can either buy a book or get your information on the Internet! Most of the people defending the library or saying cut sports but sports are more important cause you can get the library on the web but not sports... The people need to eaither start paying themselves or face the fact that libraries are going down for a reason. If they were still worth the while they wouldnt be having this problem...
In Glendale they are having to make budget cuts to there libraries if not completely take them down. People are debating on these cuts and trying to decide what should be cut some say take away from the communities activities budget, which funds lectures and teen programs. they said those extras are nice, but not essential. No body even goes to libraries anymore you can either buy a book or get your information on the Internet! Most of the people defending the library or saying cut sports but sports are more important cause you can get the library on the web but not sports... The people need to eaither start paying themselves or face the fact that libraries are going down for a reason. If they were still worth the while they wouldnt be having this problem...
Carrick's Reader: Travel: A triple happiness whammy for each dollar spent
An author of a book on time management writes about how to make better spending decisions. She says travel is "splurgworthy" because “you’ll anticipate the experience beforehand, live through the adventure, and then savor the memory afterwards.” This is what they call a triple happiness whammy for each dollar spent. To me this makes a lot of sense.
Thursday, March 1, 2012
Bonus Withdrawal Puts Bankers in "Malaise" Bonus Withdrawal Puts Bankers in "Malaise"
This article talks about the recent drop in banker's salaries, and how these bankers are reacting. At one bank, Goldman Sachs Group Inc, the drops were at 25%. Many wealthy bankers are feeling "helpless", not being able to sustain their extravagant lifestyles on these new pay drops. Schiff, 46, is facing another kind of jam this year: Paid a lower bonus, he said the $350,000 he earns, enough to put him in the country's top 1 percent by income, doesn't cover his family's private-school tuition, a Kent, Connecticut, summer rental and the upgrade they would like from their 1,200-square- foot
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