Italy's finance minister defends role of government in bank scandal

http://www.guardian.co.uk/world/2013/jan/30/italy-finance-minister-bank-scandal


This article is about Italy's finance minister is sticking by the role of the government and the central bank in the time surronding a scandal. The scandal is about loss transactions that are being made.

The Personal Finance Industry Wants Ladies to Think They’re Helpless

 The personal finance industry profits off patronizing women by telling them they can't do it themselves; saying women are scared, bad at negotiating, uncomfortable taking risks, or they just really love shoe shopping. So the industry would rather women leave their finances in the hands of professionals. 

http://jezebel.com/5979816/the-personal-finance-industry-wants-ladies-to-think-theyre-helpless

Long-term investing: Keep it simple

http://money.cnn.com/2013/01/30/pf/expert/long-term-investing.moneymag/

This article is about investing your money and keeping it simple. Sometimes you don't have to go over the top with investing your money, keeping it simple can work and it also has its benefits. You can start off by choosing to the index fund way of and making a portfolio of a total stock market index fund and total bond market index fund. And you can add on by adding foreign markets into your investment. The overall benefit for investing in a simpler which is low annual expenses.




.

Contactless Credit Card

http://www.zdnet.com/why-i-had-to-get-rid-of-my-contactless-credit-card-7000010033/

Man had to choose his Oyster card, which was better in value than his contactless credit card, which had more convinience.

Homebuying Advice: What to Know About Today's Sellers

http://realestate.aol.com/blog/2013/01/29/home-buying-advice-sellers/

This article explains some things about the sellers of homes. For example, many sellers are buyers too and can feel the stress of finding a new home along with the other buyers. Something else to consider, is why the seller is even selling their house. Make sure to ask questions about how they got to where they are in their home and why they want to rid of it. These things can be very helpful when looking into buying a new house.

BP Wins Final Approval of Guilty Plea Over Gulf Oil Spill

http://www.bloomberg.com/news/2013-01-29/bp-wins-final-approval-of-guilty-plea-over-gulf-oil-spill.html

This article talks about the oil spill in the gulf in 2010.  BP is finally accepted the guilty plea and will have to pay alot of fines.  $4 billion in a guilty plea in fines.  1.26 billion criminal fine and 17.6 billion in potential penalties.

Pro-liquor PAC's playing role in wine bill

http://www.wate.com/story/20800951/pro-liquor-pacs


This article just explains how they have a yearly debate of whether they should sell wine in grocery stores or not. Most say yes because it has no negative impacts but postive ones on raising money and sales. A lot of the sale money is used towards the PAC.

State officials back activists in lowering teen birth rates

A state is trying to lower the amount of teens that have babies. They have tried giving the teens more access to health classes and teaching them about how bad it can be for  you and your future. It worked, states average of teens who got pregnant is half of the national average.

Financial Reading Your Teen Won't Tune Out

http://online.wsj.com/article/SB10001424127887324081704578233593508781874.html?mod=googlenews_wsj

This article gives 7 sources of finicial advice and books for teens that they hopefully would find interesting, they are:

1."The Motley Fool Investment Guide for Teens," by David and Tom Gardner
2. "The Wealthy Barber," by David Chilton
3. "The Ultimate Gift," by Jim Stovall
4. "The Millionaire Next Door," by Thomas J. Stanley and William D. Danko
5. "Life After School Explained," by Jesse Vickey, Andy Ferguson and Nicole Vickey
6. Mint.com blog
7. Feedthepig.org videos

Leading the Way Out of Debt

http://opinionator.blogs.nytimes.com/2013/01/30/leading-the-way-out-of-debt/

This article is about a credit place in Washington Heights and it helps people that are facing low credit scores and that can't buy an apartment or find a job. This service is free to clients and helps anybody in need. They make you feel like you walk out of there hands free from getting your way out of debt.

Toronto Star New record for the biggest wave ever surfed?

http://www.csmonitor.com/World/Global-News/2013/0130/New-record-for-the-biggest-wave-ever-surfed-video

Garrett McNamara may have set a new world record for the largest wave ever surfed. Garrett McNamara surfed a wave off Portugal that was about 100-feet high.

Pay for college now, gain a lifetime of benefits

http://www.rutartan.com/wordpress/?p=4780

This article is about how less people seem to see the importance of going to college, so those that do attend college have a higher chance of getting a higher paid job. Since it is expensive to pay for college, it should be encouraged to get a part time job and/or go to college near family or loved ones. College is expensive, but it should still be encourage that students attend.

Zimbabwe finance minister reveals country has just £138 left in the bank

http://www.independent.co.uk/news/world/africa/zimbabwe-finance-minister-reveals-country-has-just-138-left-in-the-bank-8472565.html

The economic minister announces that zimbabwe is broke!

College Admissions: 5 Must-Knows About College Visits

http://www.golocalworcester.com/lifestyle/college-admissions-5-must-knows-about-college-visits/

Mone & Tiffany

This is about incouraging Sophmore and Junior high school students to start visiting college campuses. The article also gave tips for when they visit. The 5 tips are: 1. Always take an official tour and sit in on the information session. 2. You must visit colleges within a 6 hour drive before you apply. 3. Visit campuses when they are in session. 4. Don’t be afraid to ask the tough questions.
5. Don’t judge a college by one or two individuals.

Italy's finance minister defends role of government in bank scandal

In this article Italys banks are loosing money and people are wondering why. The finace minister of Italy is trying to defend the banks and help bring them back up into the nations economy.

College Admission Tips to Learn From the Super Bowl

Lesson 1: It's all about teamwork.
Lesson 2: Know the rules of the game.
Lesson 3: Tackle the biggest problem first.
Lesson 4: Have a strategic game plan.
Lesson 5: Hold on.
Lesson 6: It helps to have a cheering section.
Lesson 7: Head butting can be dangerous.
Lesson 8: Keep your eye on the prize
Lesson 9: Take a halftime break
Lesson 10: Tailgate food improves the mood.

Retailers may add surcharge in credit card transactions

 Retailers in 40 U.S. states can now charge up to 4 percent extra when consumers pay for goods and services with a credit card. These so-called "checkout fees" went into effect January 27, and do not apply to debit card payments. The fees are illegal in California, New York, Texas and seven other states. It is up to individual businesses to decide whether or not to add the fee. They also need to disclose it to consumers.

Italy's finance minister defends role of government in bank scandal

http://www.guardian.co.uk/world/2013/jan/30/italy-finance-minister-bank-scandal

This article is about how banks in Italy have been losing money and making risky transactions, and Italy has given bailout. The people of Italy are outraged, and question their finance minister's actions.

State officials back activists in lowering teen birth rates

http://www.lowellsun.com/todaysheadlines/ci_22479455/state-officials-back-activists-lowering-teen-birth-rates

This article is about how Boston called for $1.5 million in additional state spending to address unmet needs and help keep the state's teen birth rate down. According to the Massachusetts Family Planning Association, the state in fiscal 2012 provided funding for 58 percent of people deemed eligible for services, with costs to serve the remaining 42 percent paid for with federal funding or absorbed by family planning agencies. In arguing for the funding, the association touted unintended pregnancies, births and abortions averted as the result of services provided at 89 family planning sites. Smith said the teen birth rate in Massachusetts hit a new low in 2010, the last year for which data is available, and is half the national average. MassHealth plans to cover 200,000 additional people in 2014 under the federal Affordable Care Act, according to Harris, a primary-care physician who said he used to work in the reproductive-health field and called family-planning clinics "our partners on the front lines."

Super League clubs on brink of 'financial abyss', says finance expert

http://www.guardian.co.uk/sport/2013/jan/28/super-league-financial-abyss

Super league clubs are on the edge of "a financial abyss" with combined debts of more than £60m.
Super League clubs are guaranteed an income stream in excess of £90m from the Sky television deal but the new season will start on Friday without a main sponsor and in the last six months two clubs, Bradford and Salford, have teetered on the brink of bankruptcy. 

Toyota again world's Largest Auto maker

http://online.wsj.com/article/SB10001424127887323375204578269181060493750.html

This article talks about how GM and toyota have been in this battle since 2008 and toyota finnally won. 2012

Son's purchase shows how car loans can be frustrating: Money Matters

http://www.cleveland.com/business/index.ssf/2013/01/sons_auto_purchase_shows_how_c.html


This article is about a son that has been saving his money to buy a used Ford Escape. He tested it out and took it for a spin and found that it was perfect for him. But, the only problem was, that he had about 15,000 to 20,000 dollars. He was going to put a down payment of 8,000 to 10,000 dollars. He only got 1 percent higher than the average interest rate so he will have to pay an extra $3.15 a month. He was planning on getting a loan when he had a B credit rating.

The Minutes Were Prepaid, but the Grief Was Free

http://www.nytimes.com/2012/11/11/your-money/cellphone-minutes-were-prepaid-but-the-grief-was-free.html?ref=your-money&_r=0

There was a limited amount of time (90 days) this person could use all the 450 minutes he purchased for his phone. He wasn't aware of the time limit and wanted to get a refund, but couldn't. The company TracFone wasn't giving him the money back instead, wanting to take more by extending the deadline to use the minutes. This does not look good for TracFones reputation.

Top-paying college majors: Engineering, computer science, finance

http://www.bizjournals.com/phoenix/news/2013/01/25/top-paying-college-majors.html

researchers found engineers had a starting pay of over $60,000.  Computer engineers, had an average starting salary of $70,400. They also found that most other majors will only earn an average of $30,000 a year compared to the top majors.

Debunking the personal finance gurus

http://features.blogs.fortune.cnn.com/2013/01/25/helaine-olen-pound-foolish/

This is an article about people in the personal finance business and how they're leaving you astray.

Risking dignity to save a dollar

http://www.cbc.ca/news/canada/manitoba/story/2013/01/27/mb-province-cuts-funding-of-diaper-wipes-for-sick-teen.html

This article is about a mother who has a 19-yr old disabled son named Troy. He has epilepsy and can go through hundreds of adult diapers a month. The Article is mostly about how now that he is over 18 he is not eligible for Child Disabilities Services (CDS). Province also cut funding for Troy's diaper wipes which worries Troy's mother is worried about the end of the funding for the wipes and concerned for the social issues when she has to change Troy in public if she does as the province suggests and uses wash clothes instead.

Spain may end short-selling ban as crisis eases

http://www.globalpost.com/dispatch/news/thomson-reuters/130128/spain-may-end-short-selling-ban-crisis-eases\

Spain may end its ban on short-selling stocks and bonds this week as the euro zone crisis relents, although controls could stay for bank shares which speculators targeted heavily during last year's turmoil.

2013 Money Resolutions: 3 Tales From the Personal Financial Trenches

http://www.dailyfinance.com/2013/01/28/new-years-resolutions-personal-finance-money/

This article is about people making New Years Resolutions about their finances. Last year, there was a record of resolutions about financing, 62%. This year, they wanted to make a new record with people who followed through, so they gave some resolutions from people to help them plan their goals. Some of the resolutions are to build an emergency fund without getting derailed by emergencies, fix credit score, and pay off debt.

2013 Money Resolutions: 3 Tales From the Personal Financial Trenches

http://www.dailyfinance.com/2013/01/28/new-years-resolutions-personal-finance-money/
Mone & Tiffany
These were the stories of people's new financial goals for the year 2013. It told of several families and what they wanted to see in the new year. This was called the New Year's resolution of 2013.

College Admissions: 5 Must-Knows About College Visits

1. Always take an official tour and sit in on the information session.

2. You must visit colleges within a 6 hour drive before you apply

3. Visit campuses when they are in session.

4. Don’t be afraid to ask the tough questions.

5. Don’t judge a college by one or two individuals.

Corpse of Kim Jong-Il Becomes Tourist Attraction

This article states a that a glass vase containing the embalmed body of North Korea's late leader Kim Jong-Il has been opened to tourists, who must follow a strict protocol.

College Admissions: 5 Must-Knows About College Visits

With February and spring vacations looming, families are flooding college campuses for tours and information sessions. If you have a sophomore or junior in high school, now is the time to visit! Think it’s too early? Families who delay face a rush of stressful visits in the fall of senior year, and this rarely helps a student make the right choice. And, if you plan to take advantage of early action and decision programs, most deadlines are in November 1, leaving little time in the fall of senior year for touring campuses. So, before you head off on spring visits, here are a few things you need to know.

1. Always take an official tour and sit in on the information session.
2. You must visit colleges within a 6 hour drive before you apply.
3. Visit campuses when they are in session.
4. Don’t be afraid to ask the tough questions
5. Don’t judge a college by one or two individuals.

http://www.golocalworcester.com/lifestyle/college-admissions-5-must-knows-about-college-visits/

First subject: Paying for college

http://www.latimes.com/business/la-fi-paying-for-college-20130128,0,7992009.story

This is talking about some sights that will offer financial help to be able to pay tuition since all of the college acceptance letters are starting to come.

Teen charged in Security Finance armed robbery: Suspect will be tried as an adult

Holly Hill robbed a bank and got away with 2,398 dollars. He will be tried as an adult and will possibly face thirty years in jail.

Life skills all teens should have before graduating from high school

In this article it says that for a young person to become a suficient adult they should be able to run and take care of their own bank account. They need to know how to manage their money and keep track of it at an early age like graduating from highschool to keep on track in the future.

J.D. Power: Drivers happier with their auto insurance

http://www.csmonitor.com/Business/In-Gear/2013/0126/J.D.-Power-Drivers-happier-with-their-auto-insurance

This article was about how people in the United States are getting increasingly happier about their auto insurance. On a satisfaction ranking from 0 to 1000, the average score was 861, this is up 6 points since the year 2011. This is because people felt that the settlements were more fair and were sped up.

Teen charged in Security Finance armed robbery: Suspect will be tried as an adult

http://thetandd.com/news/local/crime-and-courts/teen-charged-in-security-finance-armed-robbery-suspect-will-be/article_05c75166-6758-11e2-968c-001a4bcf887a.html?comment_form=true

A 16-year-old Holly Hill male will be tried as an adult for the armed robbery of Security Finance on Old State Road on Jan. 2. According to the incident and supplemental reports, the male suspect entered Security Finance and told all three of the employees to get on the floor. Witnesses said the suspect’s “hands were in his pockets as if he had a weapon,” the report said. The suspect got away with cash and checks totaling $2,398. The photo from surveillance video provided by J&D Fashions, located next to Security Finance, showed the suspect in J&D Fashions a few minutes prior to the robbery at Security Finance. Lumpkins, if found guilty, could face a maximum of 30 years in prison on one count of armed robbery, he said.

Life Skills teens should learn before graduating high school

http://www.washingtonpost.com/lifestyle/on-parenting/life-skills-all-teens-should-have-beforegraduating-from-high-school/2013/01/22/bf32fcb8-5c0e-11e2-beee-6e38f5215402_story.html


I think these tips are very important. The article states that teens sdhould know how to have a bank account and know how to manage it. Also it says that teens should learn how to manage a household budget. I believe thes skills will help teens have a better future.

About the Author TallahasseeRealEstate Joe Manausa, MBA is a 20+ year veteran of real estate brokerage in the State of Florida and has been investing in real estate since 1992. He is a daily blogger with content that focuses on real estate analytics and investing in the residential market. Joe is a former US Army Ranger and a graduate of West Point, so he provides analysis with a goal of gaining a tactical advantage in real estate investment. Joe Manausa, MBA Century 21 Manausa and Associates 1140 Capital Circle SE #12A Tallahassee, Florida 32301 (850) 366-8917 www.manausa.com TallahasseeRealEstate's Recent Posts Major Changes Improve Top Real Estate Marketing Efforts Tell Patrick Phelan To Move Back To Tallahassee! How Do You Know What To Offer On A Home? Thoughts About Buying Distressed Homes Will BOA’s Recent Change Unravel Short Sales In Tallahassee? Blog feed Buying A Home And Deciding Upon The Binder Deposit

http://blogs.tallahassee.com/community/2013/01/24/deciding-binder-deposit/

When a buyer is interested in buying a house the put contracts on the house to show that they are interested in buying the house. The sellers do have some concerns with selling. They don't want to lose good buyers while selling. They want to get the best deal possible.

North Korea Vows Nuclear Test and Threatens U.S.

North Korea vowed on Thursday to launch more long-range rockets and conduct its third nuclear test, saying that it would build up its capability of striking the United States.long-range rockets which will be launched by the D.P.R.K. one after another and a nuclear test of higher level which will be carried out by it” will be “targeted” at “the U.S., the sworn enemy of the Korean people.”

Life skills all teens should have before graduating from high school

http://www.washingtonpost.com/lifestyle/on-parenting/life-skills-all-teens-should-have-beforegraduating-from-high-school/2013/01/22/bf32fcb8-5c0e-11e2-beee-6e38f5215402_story.html

This article is about what teens need to know and how parents can help teens develop those skills.

Life skills all teens should have before graduating from high school

http://www.washingtonpost.com/lifestyle/on-parenting/life-skills-all-teens-should-have-beforegraduating-from-high-school/2013/01/22/bf32fcb8-5c0e-11e2-beee-6e38f5215402_story.html

This article is talking about some of the things a teenager needs to learn befor graduating. It says we need to know how to navigate without gps know what to do when a car breaks down. how to interview.

Arcadia man accused of year-long credit card fraud spree

An Arcadia man is facing eight plus charges surrounding the credit card fraud he was supporting his lavish lifestyle off of for over a year. He faces the charges of  forgery, fraud, burglary and possession of equipment for forging fake credit card; police also says that as the investigation deepens, he will likely have other charges tacked on. 

http://www.sgvtribune.com/breakingnews/ci_22434946/arcadia-man-accused-year-long-credit-card-fraud

Life skills all teens should have before graduating from high school

This article talks about how life skills such as managing money and job interviews are not taught in school but the parents need to practice these skills with there kids.

New Year Creates Opportunity For Finance Conversation And Resolutions With Millennials

http://www.dailymarkets.com/stock/2013/01/22/new-year-creates-opportunity-for-finance-conversation-and-resolutions-with-millennials/

There was a recent study that several teens had made New Years resolutions about their personal finance. Many of them wanted to be into their finances, by keeping track of what they buy and how much money they have left. There were many tips for the parents to help their teens out with this. I think its a good idea so teens will know more about finances later in their life if they start early now.

Personal Finance Resolution Week 4: Reducing Your Debt

http://www.investorguide.com/article/11557/personal-finance-resolution-week-4-reducing-your-debt/

There are two types of debt: Secured and unsecured. About 81% of Americans have revolving debt.

Unsecured: You agree to pay that ammount

Secured: Acts like a collateral such as mortgage loan and automobile loans.

Subway Accused Of 'Short Selling' Footlong Subs

http://www.law360.com/classaction/articles/409469/subway-accused-of-short-selling-footlong-subs

This article is about people around the world that are complaining about the Subway footlong not being the measure 12 inches long. They believe they are being cut off by the company and they don't like it. They are having to pay more money for a 10-11 inch sandwich that should be 12 inches or if you're lucky... more. I wouldn't like to be cut off short and being have to pay $9.00 for a Subway sandwich.

Budgeting for a baby

The artical Budgeting for a baby, talks about how much your children will cost you. The USDA says that having a baby in the year 2012 will cost you 235,000 to raise to age of 17. Before having a baby the artical says they want you to have all of your financial needs and be aware of how much money you are about to spend. Always keep some saved for emergencies.

Why Bond Investors Have Plenty to Worry About

http://abcnews.go.com/Business/top-tips-investing-bonds/story?id=18294294


Bonds, which have been in a bull market for 30-plus years, may have lulled investors into a state of complacency as prices have risen and volatility has been low. Bond investors lost money in real terms due to rising inflation and interest rates.

College Survey: Finance Worries up, Politics Shift

http://abcnews.go.com/US/wireStory/college-survey-finance-worries-politics-shift-18298816

This article says that about 67% of students choose their college based on their current economic conditions. This is about 5% higher than what it was two years ago. It says that students are more career focused now when they go into college because of money making opportunities.

25 Ways to Save $5 This Week

http://www.wisebread.com/25-ways-to-save-5-this-week

These 25 ways seem practical if you do want to save money. Although, these seem very easy I don't think many people will take the time to do these on a regular basis. In their defense, it's hard from people to stray from their normal routine.

Budgeting For a Baby

The USDA estimates that raising a child born in 2012 will cost about $235,000 to raise to age 17. It is a good thing that most of us didn’t know what they were going to cost us before we had them or we might have had smaller families.

Life skills all teens should have before graduating from high school

http://www.washingtonpost.com/lifestyle/on-parenting/life-skills-all-teens-should-have-beforegraduating-from-high-school/2013/01/22/bf32fcb8-5c0e-11e2-beee-6e38f5215402_story.html

This article is about teens budgeting. It talks about how teens should have their own bank accounts and know how to save money not just spend it. It also talks about how teens should have budgets for everyday things and that they should know how to go through a job interveiw, which are things most high schools don't teach you.

Apple's iPhone disappointment fans doubt on growth

http://finance.yahoo.com/news/apples-iphone-disappointment-fans-doubt-010915622.html

 Apple Inc missed Wall Street's revenue forecast for the third straight quarter after iPhone sales came in below expectations, fanning fears that its dominance of consumer electronics is slipping.

Shares of the world's largest tech company fell 10 percent to $463 in after-hours trade, wiping out some $50 billion of its market value - nearly equivalent to that of Hewlett-Packard and Dell combined.

On Wednesday, Apple said it shipped a record 47.8 million iPhones in the December quarter, up 29 percent from a year earlier. But that lagged the 50 million that analysts on average had projected.

New Year Creates Opportunity For Finance Conversation And Resolutions With Millennials

http://www.dailymarkets.com/stock/2013/01/22/new-year-creates-opportunity-for-finance-conversation-and-resolutions-with-millennials/


The New Year is always a big time for people to contemplate their goals. This causes more of a serge in teens than any other time.The Teens and Personal Finance Poll, conducted annually by The Allstate Foundation and Junior Achievement USA, found that the number of teens who report saving at least half of their income declined 28 percent from 2011.

Life skills all teens should have before graduating from high school

http://www.washingtonpost.com/lifestyle/on-parenting/life-skills-all-teens-should-have-beforegraduating-from-high-school/2013/01/22/bf32fcb8-5c0e-11e2-beee-6e38f5215402_story.html

This article explains how knowing typical high school things like Shakespeare, trig, and world history will not be enough in the real world. Teens need to know how things like interest works and how to track their personal bank accounts.

Apple's iPhone disappointment fans doubt on growth

Shares of the world's largest tech company fell 10 percent to $463 in after-hours trade, wiping out some $50 billion of its market value - nearly equivalent to that of Hewlett-Packard and Dell combined. Expectations heading into the results had been subdued by news of possible production cutbacks by some component suppliers in Asia, triggering fears that demand for the iPhone, which accounts for half of Apple's revenue, and the iPad could be slowing.

Budgeting for A Baby

Many people don't realize what they're getting into when they start having kids. The USDA estimates that raising a child born in 2012 will cost about $235,000 to raise until 17 years old; in the first year alone costs could sky rocket to over $10,000. The article goes on to discuss ways to save and budget more effectively for having children.

 http://www.newsminer.com/features/our_town/pinching_pennies/article_83bfd026-63a1-11e2-a21b-001a4bcf6878.html

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Mario

13 home buying tips for 2013

1. run the numbers
2. save 20% for a down payment
3. use the rent vs buy calculator from new york times
4. be an informed buyer
5. obtain copy of your credit report
6. get pre approved for your mortgage
7. find an agent
8. hire a real estate attorney
9. get an appraisal
10. schedule a home inspection
11. start with a fair offer
12. purchase homeowners insurance
13. review your hud statement before closing

D.C. taxicabs will allow credit cards by March 30

http://www.bizjournals.com/washington/morning_call/2013/01/dc-taxicabs-will-allow-credit-cards.html

Starting in March, taxis in Washington D.C. will start accepting credit cards. They will have a new "smart meter" in them for the ease of riders and for individual taxi owners to be able to accept whichever cards they want to. Overall, this advance could have many benefits, like if someone forgot their cash at home, or they haven't gone to ATM yet, they can swipe their card and get to where they need to go. Some cons in this is if someone uses their credit card all the time and they rack up an even bigger bill for their transportation, which is more to pay and it ends up making your interest rates higher if you don't pay more than you did before.

Help given for parents to learn about paying for college

http://www.norfolkdailynews.com/news/help-given-for-parents-to-learn-about-paying-for-college/article_74320362-6244-11e2-bb29-001a4bcf6878.html

This article was about how to better inform parents and students about the payments for college. It tells them to learn about different, possible scholarships to apply for. It also tells students and parents about FASFA and how it can help inform people about financial aids when applying and/or attending college.

I’m Losing Money. So Why Do I Feel So Good?

STEP into a casino and chances are good that slot machines are filling much of the space, as far as the eye can see. That dominant presence reflects the preference of many customers for machine gambling over human-mediated table games. Not surprisingly, electronic game machines contribute a clear majority of casino revenue in the states that permit them.

http://www.nytimes.com/2013/01/13/business/how-slot-machines-raise-our-hopes-even-when-were-losing.html?ref=your-money&_r=0

Women stealing wallets, using credit cards

http://www.whas11.com/news/local/Women-stealing-wallets-using-credit-cards-187864181.html

A group of people are going to nurses stations to steal peoples credit cards. The police have identified their vehicle but they have not yet been apprehended. The article mentions one woman who's account was charged $4,000 because these people took her card. I think it's sad that organized crimes like this exist.

Hot Topic's CFO McGinty to resign

Although many stores including hot topic are closing at the Foothills Mall, the actual business of Hot Topic is doing well. The company grew an extra 30% from last year.


http://www.marketwatch.com/story/hot-topics-cfo-mcginty-to-resign-2013-01-22

Women stealing wallets, using credit cards

http://www.whas11.com/news/local/Women-stealing-wallets-using-credit-cards-187864181.html


This article is about women going to hospitals and doctor offices and stealing wallets and using their credit cards. They are running around town spending money and walking out with tons of merchandise including cart fulls of electronics. They have not been caught yet but they will soon! A cosmetic surgeon got her credit card stolen and spent over 4,000 dollars and took 4,000 dollars out of her bank account.

Investing in kids

http://www.startribune.com/opinion/commentaries/187809891.html?refer=y

Marian Wright Edelman the president of the nations child defense program. She is now saying that we cannot afford to invest in our kids because of how many of us are messing up.

College Admissions: Best Ski + Snowboard Colleges in the West

http://www.golocalprov.com/lifestyle/college-admissions-best-ski-snowboard-colleges-in-the-west/

This link has a list of colleges that have the best ski and snowboarding out in the west. If this sort of thing is important to you. then i suggest you check this site.

Credit card fees swipe at profits

http://www.newsobserver.com/2013/01/21/2620462/credit-card-fees-can-swipe-a-lot.html

This article is about how this man owns his own gun shop. In the gun shop he charges either cash or credit. But there is a catch! If you use your credit card than you are charged a 3% fee for doing so. He did this because when owning a business you have to pay the credit card company because you swiped their card, but after so many people doing that it can really hurt business for small companies.

Paying in Full as the Ticket Into Colleges

http://www.nytimes.com/2009/03/31/education/31college.html?ref=admissions&_r=0

Many colleges are looking forward to accepting more college applications to students that pay in full. Although they are still accepting students that need financial need, they are most looking forward to accepting  more students that are able to pay for all of college on the spot. Rising numbers of acceptance letters are in the air.

Mvhsfinance13 stock market game

mvhsfinance13 stock market game link:

https://secure.marketwatch.com/user/registration/register

Follow this link in lieu of our blog today to register for the stock market game in class- dd

Paying For Kids' College? Don't Expect All A's

This article talked about how parents who pay for college are more likely to get worse grades than kids who pay for there own colloge education. The study showed that kids feel more responsible for their grades if they pay for college themselfes. However more kids graduate with the support of there parents rather than kids who pay for it themselfes. So the article talkes about how the parents should help the kids but set standerds likes a certian GPA or only pay for a semester of school.

Don't Take Financial Advice From Justin Bieber

http://www.fool.com/how-to-invest/personal-finance/credit/2013/01/17/dont-take-financial-advice-from-justin-bieber.aspx

A pre paid debit card is a risky thing and fans are following Bieber fever everywhere. They are going to want to have one. That's not the answer financially to have a pre paid debit card. Giving kids the responsibility on how to work with there money is a good goal but not the right thing to do when you're financially in trouble. What the kids are spending money for really helps the parents with knowing what their actions are. They would charge you for certain things such as not using your debit card within 90 days. Pre paid debit card is not a smart thing because they cost a lot of money and are a big responsibility for a kid.

Spoiled Children

In this article Spoiled Children it suggests that the students who have there parents paying for their schooling more or less have a higher rate of getting lower grades. While the students who are having to work for their education and pay for college them selves, are doing a bit better grade wise.

Spoiled Children

Most people think that children with rich parents do better in everything without trying, but thats not true. The article that I chose to read says that children with rich parents don't do as well academically. Just because they don't try as hard.

Don't Take Financial Advice From Justin Bieber

http://www.fool.com/how-to-invest/personal-finance/credit/2013/01/17/dont-take-financial-advice-from-justin-bieber.aspx

This article is about Justin Bieber's new prepaid debit cards and how a lot of other celebrities are now jumping into endorsing prepaid cards also. The article gives a lot of advice on what you should do financially  for yourself instead of copying everything that the celebrities do.

13 home buying tips for 2013

http://www.cbsnews.com/8301-505145_162-57564301/13-home-buying-tips-for-2013/


1. Run the numbers
2.Save 20% for a down payment
3.use the new New York Times calculator from the website above.
4.be an informed buyer
5.obtain a copy of your credit report
6.get pre approved for a morgage.
7.find a agent
8.hire a real estate attorney
9.get a appraisal
10.schedule a home inspection.
11.start with a fair offer
12.purchase homeowners insurance
13.review your statement BEFORE closing on your deal

Older Americans carry more credit card debt

http://www.usatoday.com/story/money/personalfinance/2013/01/15/older-americans-credit-card-debt/1836187/

This article was about how the older generations of Americans, above the age of 50, tend to have more credit card debt. This is because older Americans are more likely to turn to credit cards when they are tight on money. Most of the credit card use is for either car repairs of house repairs. This study is interesting to me because credit card debt is usually associated with the younger generations.

Paying For Kids' College? Don't Expect All A's

http://www.businessnewsdaily.com/3774-kids-grades-decrease-as-parents-financial-help-increases.html

Parents who pay for their children's higher education shouldn't be surprised that their grades show they aren't making the most of their opportunity, new research finds.

The study by Laura Hamilton, a professor at University of California, Merced, found that college students' grades went down as the amount of financial assistance they received from their parents went up.

"Regardless of class background, the toll parental aid takes on GPA is modest," Hamilton wrote. "Yet, any reduction in student GPA due to parental aid — which is typically offered with the best of intentions — is both surprising and important.

California Teen Working To Finance Higher Education

http://www.keyc.tv/story/20593789/california-teen-working-to-finance-higher-education

This article is about a young man that has created a toffee bar. He is selling this candy to save money for him to start college.

Growing Problem Of Light Pollution

2 out 3 Americans can not see the Milky Way because of Light Pollution

Investing In Dividend Stocks: Why I Chose The Stocks In My Portfolio

http://seekingalpha.com/article/1117051-investing-in-dividend-stocks-why-i-chose-the-stocks-in-my-portfolio-part-3

This article is talking about how to set up a portfoloio and track your stocks. Seems pretty legit

Paying For Kids' College? Don't Expect All A's

http://www.businessnewsdaily.com/3774-kids-grades-decrease-as-parents-financial-help-increases.html

A professor at University of California said, students' grades went down as to the amount of financial assistance they received from their parents.

HOW TO RAISE YOUR CREDIT SCORE

http://www.boston.com/business/personal-finance/2013/01/16/how-raise-your-credit-score/DNjSDCsZBstqgaaYXDRDOM/story.html?pg=1

This article is telling us about what our credit score is and how we can raise it. It also tells us what good credit score can do to benefit us as an individual when it comes to applying for loans.

What Factors Affect Your Credit Score

http://bucks.blogs.nytimes.com/2013/01/16/what-factors-affect-your-credit-score/?ref=your-money

A new web site offers a tool that is free and can help you see how good or bad financial steps can affect your credit score. Although there are other sites that claim to do the same, they're not. In this site, you don't have to pay for the information requested, unlike the other similar web sites. The "score planner" tool doesn't require you to register in any way. All you have to do is answer a series of questions and the site will help you immensely.

I think that this is a very useful tool, but I fear that maybe your personal and financial information is at risk. I don't know if too many people will trust the tool, but it would help a lot of people if they did.

find out about yourself

follow the link and create an account at college in colorado to find out about yourself, your skills, interests and aptitudes!  Please proceed to the interest profiler and career cluster survey first during class and feel free to return for other surveys on your own time- let me know what you find out!

https://secure.collegeincolorado.org/Career_Planning/Learn_About_Yourself/Learn_About_Yourself.aspx


if the above link does not work, please use this one:

https://secure.collegeincolorado.org/Home/_default.aspx

and then click on "career planning"

:-)  dd

Spoiled Children

http://www.insidehighered.com/news/2013/01/14/study-finds-increased-parental-support-college-results-lower-grades


Knowing that the more money the parents are spending on their kids is decreasing their grades is bad in the financial world and how the parents are struggling for nothing. The money that the kids are wasting could get them a good career and really make a difference and take advantage of the spoiled children's parents.

6 gut checks before the stock market’s opening bell

http://blogs.marketwatch.com/need-to-know/2013/01/15/6-gut-checks-before-the-stock-markets-opening-bell-16/


gold has added up to 1% which is still raising!

Baby, Baby: Prepaid Debit Cards No Cause for Teens to Scream

I do think that since Justin Bieber is endorsing pre-paid debit card that amount of them bought will go up. The reason that I think this is because there is that certain amount of people that have to have what ever their favorite celebrity has. I also think that there will be a decrease in the sales because there are a ton of people who really do dislike him. That is what I think will happen with the pre-paid debit cards and Bieber.

New investigation of personal finance industry reveals leaders, gurus often serve themselves

http://www.foxnews.com/us/2013/01/14/new-investigation-personal-finance-industry-reveals-leaders-gurus-often-serve/

talks about a new way to personal finance yourself. Gives examples on other details on it.

I’m Losing Money. So Why Do I Feel So Good?

http://www.nytimes.com/2013/01/13/business/how-slot-machines-raise-our-hopes-even-when-were-losing.html?ref=your-money&_r=0

The developing and changing technology involved with the slot machines people use to gamble is reeling people in. The newly evolved machines grab people and attract them. Research has been made and results show that people are spending more time and money on the new machines than ever before. With the ever moving technology players can play a game in as little as three seconds making people lose money but feel good.

New Mortgage Rules Left Out Down Payments

http://bucks.blogs.nytimes.com/2013/01/10/new-mortgage-rules-left-out-down-payments/

The Consumer Financial Protection Bureau created new rules to help prevent consumers from risky mortgages that contributed to the most recent financial crisis. These rules make it so lenders can't offer deceptive interest rates that appear low. These rules are to be applied next year, which means that there is still time for new requirements to be made, like making a down payment beforehand.

Baby, Baby: Prepaid Debit Cards No Cause for Teens to Scream

http://online.wsj.com/article/SB10001424127887323596204578241984027206580.html

I don't think that these pre payed card that Justin Bieber has resently made are going to last very long. There isn't a lot of older teens that follow Justin Bieber, and most of his buisiness is going to come from older teens rather than younger teens.

Financial Reading Your Teen Won't Tune Out

http://online.wsj.com/article/SB10001424127887324081704578233593508781874.html?mod=googlenews_wsj

The Wall Street Journal is trying to get teenagers more involved with finance by offering a list of books and websites that aren't focused on adult finances, but teen fiances so they won't get bored. This is a good idea so it can get them ready for their financial future.I think it is a good idea to give teenagers the tools now, so they can start planning for their future

Baby, Baby: Prepaid Debit Cards No Cause for Teens to Scream

I think that Justin Bieber supporting the prepaid debit cards will make thirteen year old girls want one... But I don't think that it will make any one else want one. I really don't want one now.

Kentucky man buys Kmart inventory, gives it all away

Rankin Paynter, a Kentucky native, bought all of the inventory in a Kmart that was closing in two days, for 200,000 dollars and then ended up giving it to charity.  Paynter is a successful businessman, he had a rough time when he was growing up. "It was hard sometimes," Paynter said. "Tied rags around my feet sometimes too. I only had summer slippers." Paynter's massive gift to Clark County Community Services was the organization's single biggest donation ever.

http://news.yahoo.com/blogs/upshot/kentucky-man-buys-kmart-inventory-gives-away-220043176.html

10 Ways to Improve Your Decision-Making Skills

http://www.wisebread.com/10-ways-to-improve-your-decision-making-skills

!0 helpful ways to help make yourself a better decision maker

Teen newspaper L.A. Youth to cease printing after 25-year run

http://latimesblogs.latimes.com/lanow/2013/01/la-youth-newspaper-ending.html

The loved youth newspaper that printed only six times a year got stuck in a financial crisis and has been forced to come to an end. The newspaper centered around personal journalism of the teens across the Los Angeles area with an estimated readership of 400,000. They will publish their last edition at the end of February.

Santander, JAC get China OK for car loan venture

http://www.marketwatch.com/story/santander-jac-get-china-ok-for-car-loan-venture-2013-01-13


The China Banking Regulatory Commission has approved Banco Santander and Chinese automobile manufacturer Anhui Jianghuai Automobile Co. to operate a joint auto-financing company in the Chinese market. Santander, which is already a leading car financier in Europe and the U.S said  the deal allows it to gain a foothold in the largest market in the world. I think that sounds very smart and there will be definitly lots of more money because of this deal.

Prepare for Financial Aid Changes in 2013

http://www.usnews.com/education/best-colleges/paying-for-college/articles/2013/01/14/prepare-for-financial-aid-changes-in-2013

The new year is only a few weeks old, but there are already reasons for college students to pay attention to the financial aid landscape for 2013.
As part of a deal passed January 1 to avert the so-called fiscal cliff, education tax benefits previously set to expire were extended for five years. Through 2017, families or students can claim the American Opportunity Tax Credit (AOTC) to receive a credit of up to $2,500 for college expenses, including tuition and textbooks.

College admission may get easier as ranks of high school graduates drop.

http://latimesblogs.latimes.com/lanow/2013/01/college-admission-may-get-easier-as-the-ranks-of-high-school-graduates-drop.html
                                                                                                                                   

High school graduates will face less competition for college admission in the next decade due to a demographic decline in their ranks. I would have to agree with this article due to the fact that I see so many students dropping out for numerous reasons daily. Its a sad sight, but it is what really happens. If more and more kids drop out than its true college will have less enrolled incoming students, making it easier for students who did enroll to be accepted.

Prepare for Financial Aid Changes in 2013

http://www.usnews.com/education/best-colleges/paying-for-college/articles/2013/01/14/prepare-for-financial-aid-changes-in-2013

As of January 1st, there has been some talk about changing in Financial Aid. There has been some talk about  a fiscal cliff , education tax benefit. But nothing has been set in stone,  the memebers of Congress still have until March 1st to make their final changes.

Consumers Wise Up on Credit Cards

http://www.foxbusiness.com/personal-finance/2013/01/10/consumers-wise-up-on-credit-cards/

Many people believe that using credit cards is a fast way to destroy your credit and abolish your financial budget. However, statistics show that the number of card delinquencies has dropped to an 18 year low in the third quarter of 2012. This is because people are being more careful with their debt and making sure to pay off the card on time.

Baby, Baby: Prepaid Debit Cards No Cause for Teens to Scream

http://online.wsj.com/article/SB10001424127887323596204578241984027206580.html

Justin Bieber is now sponsoring prepaid debit cards in order to get more teens to acquire them, but I think it may make the problem worse because bieber is not universally popular.

Financial Calclators

Follow these links to the appropriate financial calculator:

How much do I need to save now to make my goal? (future value)

http://www.bankrate.com/calculators/savings/save-money-calculator.aspx


Simple Savings Calculator:

http://www.bankrate.com/calculators/investing/simple-savings-calculator.aspx


How long until you become a millionaire?

http://www.bankrate.com/calculators/savings/saving-million-dollars.aspx

General Financial Calculator Link from bankrate.com:

http://www.bankrate.com/calculators.aspx