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| | Easy MoneyPlanner - Control Your Finances. |  | | A Simple System To Plan And Project Your Monthly Expenses To Keep Yourself Out Of The Red. Little Computing Knowledge Required - Designed To Be Easily Compared With Your Bank Statement On A Regular Basis. Great For The Self-employed As Well.
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| | The Smart Startup Guide. |  | | Startup Secrets Of The Inc 500 Fastest Growing Companies. Learn How To Finance Your Startup The Way Serial Entrepreneurs Do.
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| | Banking Secrets - Revealed. |  | | Gain Total Control Of Your Finances And Stop Wasting Money. Eliminate Unnecessary Bank Fees And Get Better Rates On Loans And Savings By Following These Simple Steps.
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| | OptionSmart Picks. |  | | OptionSmart Picks: Trade Us Stock Options With The Average Return 10% Per Month! With OptionSmart As Your Guide You Dont Need To Be A Finance Expert Or Mathematician To Trade Options.
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| | Financial Planning/Money Management E-Book. |  | | This Financial Planning Manual Is More Practical In Nature Than Theoretical. Learn Powerful Money Management Techniques To Help You Take Control Of Your Personal Finances, Manage Your Money, Eliminate Your Credit Card Debt And Stay Out Of Debt!
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Blogs & Sites:
 Tecnorati
UK Woman In Partial Remission From Mesothelioma CancerDebbie Brewer was diagnosed with mesothelioma cancer back in 2006. Debbie was on her fifth set of chemoembolization in Germany and was given the good news, she was in partial remission. This comes just two years after being diagnosed. This is her best Christmas present ever. The tumor she has, had shrunk fifty-three percent by having the treatments. The tumor had shrunk ten more percent from her last check up. The treatment was started back in May of 2008 and every time she had a check up, th
New Mesothelioma Treatment Recognized By Mesothelioma LawyersVinflunine is now being recognized by some mesothelioma lawyers as a way to improve the rate of survivor in those suffering from mesothelioma cancer. The anticancer drug is given every twenty-one day and has proven to improve the patient?s response rate by as much as fourteen percent. The NCI has said that there are about two thousand mesothelioma cancer cases diagnosed every year just in the United States. Mesothelioma cancer is caused by asbestos exposure. Mesothelioma legal advice from a q
Soft Skin Tips: Everything You Need to Know about Acne Acne or commonly known as zits or pimples are skin inflammation affecting 87% of the total US population. They usually appear during puberty because of abnormal response of the body to the male hormone known as testosterone. More: Soft Skin Tips: Everything You Need to Know about Acne
Mesothelioma Clinical Trails Seeking PatientsIf you live in Pennsylvania or Texas and have mesothelioma cancer, this research group wants you. Clinical studies are under way for those that have advanced stages of the cancer. The pharmaceutical company is conducting a test with Vorinostat. This drug is a histone deacetylase inhibitor. Read more about the study here. Although this is a great way for people to help with research, anyone that considers the clinical trails should contact his or her mesothelioma attorneys to make sure that th
Patients Suffering From Delayed Cancer Treatment Careof cancer patients, including mesothelioma patients, may be suffering from a lack of treatments because of systematic delays in patient care, according to a recent study/survey. Several inconsistencies among primary care trusts (PCTs) may be delaying the approval of treatments for cancer patients and mesothelioma cancer patients, according to a study from the United Kingdom?s [...]
Cholesterol Drug May be Used For Mesothelioma Cancer Treatment Lovastatin is a cholesterol drug that was introduced back in the 80?s. Today, researchers are looking at this drug as a treatment for mesothelioma cancer. Researcher knew early on that the drug was responsible for killing cancerous cells. The risk was to high at the time to do any studies with the drug because users would need high dosages of the drug. The recently, a doctor started giving it to patients suffering from pleura mesothelioma. A revelation learned recently is that a doctor gave
Another Mesothelioma Cancer Drug TestingProteolix, Inc has been doing clinical studies on a drug called carfilzomib. This new drug is being tested on people with cancer, one of who has mesothelioma cancer and two other drugs failed to help. The new drug is still in the testing procedure, but has shown progress in stabilizing the cancer. This drug attacks the cancerous cells and does no harm to healthy cells. The studies will have to continue, but if this drug succeeds where other drugs have failed, it could give new hope to mesothe
Alternative Treatments For Mesothelioma CancerIt is becoming more and more obvious that alternative treatments for mesothelioma cancer because of asbestos exposure are coming into play. This is great news or is it? Alternative methods of treatment that are not approved by the medical profession and the FDA, may not be considered an alternative to medical treatments. For instance, herbs are coming into question as far as being able to treat mesothelioma cancer. These are not approved by the FDA and could mean an entirely different story whe
How is Mesothelioma Treated?is Mesothelioma Treated? November 13th, 2008 Dr. Case discusses treatment options for mesothelioma lung cancer including surgery, chemotherapy, and radiation. This segment is part of the program that is offered for free on www.mesodvd.com. Posted in Mesothelioma & Asbestos Cancer | No Comments » « Previous Entries Enter your search terms Submit search form Web http://peoples-blog.vdhdesigns.com PagesAbout Categories Asbestos (10) lung
The Survival Rate Of Those With Mesothelioma CancerToday, people with mesothelioma cancer are seeing more chances to live longer than a year once they are diagnosed with mesothelioma cancer. Although there are no cures, there are some treatments that will prolong life longer than the projected six to twelve months. This is a step forward for those who were exposed to asbestos. Even though life is being extended, mesothelioma lawyers still have to file lawsuits on the patients behalf so that medical bill can be paid and you are compensated for
Scientist Reveal Information About New Mesothelioma Cancer TreatmentScientists are saying that recent studies of aspirin, cisplatin and Piroxicam produced an anti-tumoral treatment that works on cancerous cells associated with mesothelioma cancer. The study was revealed in the Journal of Translational Medicine in May 2008. This has caught the attention of mesothelioma cancer patients and scientists. This does offer a ray of hope for people suffering from the cancer, but more research is needed. This would be a breakthrough for cancer suffers that have this dead
What Causes Mesothelioma CancerIt is said that about seventy to eighty percent of mesothelioma cancer cases are caused by asbestos fibers. People that were exposed to asbestos in past years can develop this type of cancer. Inhaled or ingested asbestos fibers usually cause pleural mesothelioma and about twenty percent of the people develop peritoneal mesothelioma. The difference between the two cancer types in that pleural affects the lungs and peritoneal affects the abdominal organs. It is also said that smoking does incre
Mesothelioma Cancer DietsWhen you are diagnosed with mesothelioma cancer, you are in shock, you grieve and you worry about the future. You still have to stay as healthy as you can to keep up your strength, which is vital to fighting the deadly cancer. You might not have the desire to eat properly, but if you want to keep your strength to fight the cancer as long as you can, you have to have the proper diet and follow it no matter how hard it may be. The diet will consist of eating protein and drinking the proper amou
Mesothelioma Cancer Is The Hardest To TreatThe truth is that mesothelioma cancer is the hardest to research and treat. Researchers are always looking for ways to detect mesothelioma cancer earlier in patients. Now they will have the availability of the virtual bank as a tool for studying the cancer. The researchers are always looking for ways to treat the cancer besides the limited treatments that are available. The fact that the cancer is so rare, it is hard for the researchers to get the facts they need since they are spread out in th
High Paying Keywords untuk Google adsense dengan Avg CPC $ $11 -$13.99High Paying Keywords untuk Google adsense dengan Avg CPC $ $11 -$13.99 By admin at 20 October, 2008, 9:53 am term life insurance, home loans poor credit, private loan consolidation, cover critical illness insurance, home equity credit, student loan consolidation, ca health in insurance, criminal houston lawyer, attorney california tax, car insurance philadelphia, recall vioxx, alicante car in rental, dallas criminal attorney, attorney irs tax, equity home line rate, mortgage rates refin
Mesothelioma Lawsuits Affected by Ohio Court RulingThe Ohio Supreme Court recently ruled that a 2004 law, which enforces stricter rules on persons suing for asbestos-related injuries, can now be applicable to suits pending before the 2004 law was passed. The 5-2 vote could lead to the dismissal of many of the 40,000 cases filed in Ohio before the law was put into place. The state Supreme Court claims the 2004 law is in accordance with Ohio?s state constitution because the changes were considered ?remedial and procedural,? thus not in violation
National Safety Agency Says NASA Glen Buildings are Safe from AsbestosSeveral months ago, a NASA Glenn Research Center union expressed concerns over the number of workers that have been diagnosed with cancer. This week, the National Institute for Occupational Health and Safety released their findings on the center, stating there was no increased cancer risk for employees of the center. According to Dennis Pehotsky, a Lewis Engineers and Scientists Association spokesperson, approximately 40 out of 100 workers on the Developmental Engineering Building?s third floo
Mesothelioma Lawsuits and Background InformationThe filing of a mesothelioma lawsuit is usually an attempt to recover damages that are associated with the contraction of the disease. In most cases, the person filing the lawsuit is seeking compensation for medical expenses, loss of income, and pain and suffering. Mesothelioma is a rare form of cancer that most commonly affects the lining of the lungs. However, other areas that have been known to contract the disease include the heart and abdomen. The development of mesothelioma cancer is al
Mesothelioma Threat ? Is Wet Method Asbestos Removal Ethical?A federal court recently ruled against the city of St. Louis and the city-owned Lambert-St. Louis International Airport for endangering the public by improperly removing asbestos to demolish buildings and construct a new runway. The court ruling affirmed that the city of St. Louis and its airport violated federal asbestos safety standards in destroying asbestos-contaminated buildings belonging to a community known as Bridgeton. The removal method in question is known as the ?wet method,? where
Mesothelioma Victim Inspires Widow to Sue John CraneA California widow, Regina Rohrer, has filed an asbestos-related lawsuit on behalf of her deceased husband. The lawsuit alleges that John Crane was responsible for her husband being exposed to asbestos and developing mesothelioma. Malignant mesothelioma is a rare form of cancer that most commonly affects the lining of the lungs. In most cases, symptoms of the disease do not appear until the advanced stages of development, which usually results in a late diagnosis. Because of this, mesothelioma
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| [07/17/2008, 15:02] | Canadian Household Debt On the Rise |  | The level of household debt has been steadily increasing for the last 20 years in Canada so it should be no surprise that it continued to rise again this quarter. The average Canadian household now has an average of 19.6 cents of debt for every dollar of networth and household debt is averaging about 123.8% of personal disposable income.
This is a frightening figure at this stage of the financial cycle as it is much more likely that interest rates will be rising than decreasing. An increase in interest rates will of course make managing this debt much more difficult for many Canadian households. How does your household debt compare to your personal disposable income? |  |  |  |
| [07/31/2008, 19:01] | Great West Life ? GWO |  | | Well I?m happy to report that I?ve received another raise courtesy of one of my perennial dividend paying favourites, Great West Life (GWO). They announced yesterday that the quarterly dividend would be increased by 5%. They now payout $0.3075/share quarterly, which gives them a current yield of about 4.1%. It?s not a huge raise but in this environment I?ll take it. |  |  |  |
| [11/24/2008, 01:41] | Citibank looking for a Bailout? |  |  It looks like there is serious talk of between U.S. regulators and Citibank to limit the banks potential losses on toxic assets. Isn't this what the TARP was supposed to do from the beginning? And why Citi and not BOA, JPMorgan, MS etc etc etc. To me it has been one bank after another going down. Once Citi is bailed out the markets will go after the next "Victim".
Here is the story from BLOOMBERG
Good Luck and Good Currency Trading. |  |  |  |
| [01/01/1970, 01:00] | Foreclosures are up...and Congress steps in |  | Today the Senate passed a $300 billion housing rescue bill aimed at turning around the flagging housing market, helping homeowners avoid foreclosure, and propping up Fannie Mae and Freddie Mac. The fact that Senators came in on a Saturday to vote on the bill is an indicator of the importance that Capitol Hill places on the issue. It remains to be seen who will benefit from this legislation, but one group of folks that surely are breathing a sigh of relief are the shareholders of Fannie and Freddie. It’s unlikely that these two publically traded stocks will return to their previous levels anytime soon, but this intervention at least makes it more unlikely that they’ll go belly-up. Nationwide, foreclosure rates continue to skyrocket. RealtyTrac yesterday reported that foreclosure activity was up a whopping 14 percent in the second quarter, a rise of 121 percent over the second quarter of 2007. .gif) It is hoped that the passage of this regulation will soothe Wall Street’s frazzled nerves. Oil prices (too high) and housing prices (falling too fast) are surely the two most troubling elements in our fragile economic situation. Both are complex and have deep reaching tentacles. The reassuring thing about the housing picture is that, unlike oil, it is an American market – therefore Congress may have some success in turning the ship. Washington hasn’t produced any legislation on energy– neither to curb speculation nor to increase offshore drilling. Lawmakers take some lumps from the public for their inaction, but it’s probably just as well since neither approach has the potential to improve the situation. The US controls a tiny percentage of global reserves, and traders move a small percentage of barrels traded, which leads us to a troubling conclusion: the U.S. economy is just one piece in the global puzzle, and things that happen outside of our borders are going to hit us in the pocketbook here at home. But even if we’re struggling with our oil addiction, it’s hopeful that this piece of legislation might help the housing market. Much of the impact may be psychological, however. Democrats estimate that around 400,000 households might benefit from the bill, but last quarter alone saw almost twice that number of foureclosures – around 740,000 according to RealtyTrac. But we can hope that this bill shows that Congress is willing to act if necessary, and that might be enough to get banks lending again. And that might lead to fewer foreclosures, more buyers buying, more sellers selling, a shrinking housing inventory, and eventually a recovery in prices. |  |  |  |
| [01/01/1970, 01:00] | Fannie, Freddie and You |  | Failure was not an option. The government finally stepped in on Sunday and unveiled plans to take over troubled mortgage giants Fannie Mae and Freddie Mac, putting to rest fears that the two firms would collapse and send the housing market into a death spiral. The housing market breathed a sigh of relief – but no cheers from the stockholders of the two firms. Fannie Mae [FNM] was trading at around $7.00 towards the end of last week and immediately collapsed to about a buck on news of the announcement. As of close today it’s hovering around $0.74. For investors Fannie and Freddie have seemed like a pretty safe play for years. Stodgy, even. A publically traded pseudo-government entity which was crucial to the U.S. economy and backed by government guarantees seemed like a pretty safe place to stash away some cash that you didn’t want invested in risky stuff; let the day-traders mess with the bio-techs and dot.coms. But what a difference a week makes.  A lot of investors took a bath on this one. We’re still in the shadow of Enron, WorldCom, Quest, Tyco, and others – but I never cease to be amazed when I speak to folks who have large percentages of their net worth tied up in a single stock. Sometimes it’s because it’s a “safe bet”, or because they’re comfortable and haven’t bothered to rebalance. But most often it’s because they work for the company in question. This isn’t smart behavior. Real estate investors understand that there is no reward without risk, but diversification is the way that smart, tactical investors hedge their bets. Anything else is just gambling. Contrast this to the advice that millions of Americans swallow then they read what is undoubtedly the worst personal finance book ever: Robert Kiyosaki’s Rich Dad Poor Dad. Diversification, according to get-rich-guru Kiyosaki, is for suckers. “Put a lot of your eggs in a few baskets,” he exhorts. “Do not do what poor and middle class people do: put their few eggs in many baskets.” A balanced portfolio “…is not the way that successful investors play the game.” These are quotes from the book; I’m not making this stuff up. The biggest problem with Rich Dad Poor Dad is not that it’s filled with vague motivational psycho-babble; it’s that hidden in the self-help hucksterism there are gems like this that are actually dangerous. Kiyosaki is undoubtedly a smart businessman and has made millions of dollars selling his books and courses, but I’d encourage his true believers out there to take a critical look at some of the ideas that he’s promoting. Related: |  |  |  |
| [06/15/2007, 22:41] | Umbrella Insurance? But My Umbrella Isn?t That Expensive. |  |  Umbrella insurance is a type of insurance that provides extra protection beyond your auto and homeowners insurance. Let’s say that a tree on your property falls and completely destroys a neighbor’s house. You get sued and are ordered to pay $500,000 in damages, but your insurance will only cover $300,000. If you don’t have umbrella insurance, you’re going to have to cover that additional $200k out of your own pocket. Unless you like giving away a couple hundred thousand dollars (if you do, give me a call), you’re probably going to wish you had umbrella insurance. For around two or three hundred dollars a year, you can get an umbrella policy that will provide you with up to $1 million of umbrella coverage.  Sponsor: Brohans Video Blog - It’s Like Binary Dollar. Except you don’t learn anything. ShareThis 
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| [12/08/2008, 07:20] | Investing with a financial advisor? Don?t go in cold! |  |
(This is a guest post written by ABCs of Investing, a brand new site for novice investors which offers two short and simple investing posts per week. Feel free to subscribe to the feed.) The majority of investors use a financial advisor or broker to help with their investing planning. There is nothing wrong with getting some help with investing since it is a fairly intimidating subject. Most people just don’t have the time or the interest to read investment books and become knowledgeable enough to be able to handle all of their own investments. Do-it-yourself investors forget how much time they have put into learning about finances and think that investing is easier than it really is. The great thing about investing is you don’t have to choose between being an expert DIYer or a clueless investor who needs an advisor. You can hire professional help AND know what you are doing at the same time! A few years ago I bought a basic electrical book. It showed how to do electrical repair jobs and even how to plan various circuits in a house. One of the things that I found most interesting about the book was in the introduction; it said that learning the basics of your electrical system is useful whether you do the work yourself or hire someone else. The point was that even if you end up hiring a contractor to complete your electrical work, any knowledge you have about the electrical system in your house and how it works will assist you greatly. The same logic applies to investing: the more investment knowledge you have when dealing with an advisor, the better off you will be. It is worthwhile to spend a bit of time learning about investing. There are number of areas where some investing knowledge will help if you have an advisor: - It won’t be as easy for the advisor to take advantage of you. Let’s face it: some financial advisors, like real estate agents, make money on commission, and unscrupulous ones can rob you blind if you let them. Knowledge about proper investments and for that matter knowledge about how advisors make their money will help you a lot.
- You’ll have more productive advisor/client meetings. Usually when a client visits or talks with their advisor, the advisor is telling them what to buy. If you can spend some time before meetings looking over your portfolio then you can drive the meeting agenda and make sure that your questions get answered.
- You’ll know better what you want from your advisor. A lot of investors just hand over the financial reins to their advisor and just do whatever they are told. If you have some investment knowledge then you will be in a lot better shape to determine what you want from the advisor, communicate your desires to them and make sure that they are the right advisor for you.
The single best way to learn about investing is to read. Read, read and then read some more. Books, blogs, websites, newspapers are all sources of information. Talking with friends, relatives, co-workers can also be helpful. But beware, all the “good” ways to learn about investing can unfortunately also be “bad” ways to learn about investing. The best way to protect yourself is to read as much as you can and eventually you will be able to figure out where the good information sources are. Knowledge is power! Make sure you have as much as possible when dealing with your advisor. Even a little bit of knowledge is a lot better than none at all. (Photo credit: net efekt) 
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| [07/17/2008, 14:01] | Scheduled Habits: 10 ?Every Other? Savings |  | | By Jennifer Derrick It’s no secret that changing your habits can lead to monetary savings. But in the rush to reduce the daily splurges like coffee and meals out, and the big ticket items like clothes and vacations, many of us overlook what I call “Every Other” savings. These are things that you do or pay [...] |  |  |  |
| [11/18/2008, 04:35] | Link Roundup: Quilt patterns edition |  | I’m really excited for my wife. She showed some of her quilt patterns to the owner of a local quilt store, and the owner has decided to give a trial run to ten of her patterns! She loves designing quilts so this is a big deal. She’s also gearing up for a craft show. A few of her patterns are here, and she blogs about quilting as well. Here are some posts I pieced together from the great blogs in my reader: Mighty Bargain Hunter’s Carnival participation: Have a great week! 
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| [12/11/2007, 02:44] | CCF Settlement Lawsuit Extinguishes Hope for Others |  | Subject to final Court approval, a settlement has been reached in ?In re Foreign Currency Conversion Fee Antitrust Litigation (MDL 1409).? If approved, this settlement extinguishes the many other cases now in process that... (Visit the Travel Guide For Your Finances to get the full story...) |  |  |  |
| [07/15/2008, 16:43] | Apartment Building Cost Segregation Analysis |  | Cost Segregation One of the great advantages of commercial property investing is the tax benefits. The IRS has a program that allows the owners of apartment buildings or any other commercial property to increase the level of accelerated depreciation allowed in a tax year. The tax savings may go back to property acquired after 1986, and they apply to new or future construction. They also extend to existing buildings under renovation, expansion and leasehold improvements, as well as to property about to be acquired. It can also be used for financial accounting, insurance and property tax purposes. The primary goal of a cost segregation study is to identify all construction-related costs that qualify for accelerated income tax depreciation. Cost segregation is not a tax shelter and it is not tax evasion. Ask Yourself These Questions To Determine if You and Your Property Qualify: Do you own a commercial property valued at $500,000 or more? Do you pay federal income taxes? Do you operate a corporation or entity that is for-profit? Are you planning to the hold the property for more than one year? To Obtain the Benefits of Cost Segregation You Must Get a Study Your cost segregation study will analyze the taxes and costs incurred to buy, construct or renovate any kind of commercial real estate. You will need to procure the services of an expert or CPA to conduct the study. The CPA will dissect the costs to determine the accelerated income tax schedules. In order to meet the minimum qualifications of a cost segregation study, property owners must be taxpayers or intend to pay taxes. The cost of a study can range between $10,000 and $100.000.00 depending on the size and complexity of the project. Advantages of Cost Segregation - Considerable return on investments property that do not need to be insured.
- Increased tax deductions for depreciation and reduces taxable income.
- Opportunity to correct misclassified assets and claim “catch-up” tax deductions.
- Ability to achieve faster building and acquisition cost write offs.
- Reduction in insurance costs by identifying the components of the property that do not need to be insured.
- Determine personal property versus real property for write off versus capitalization prior to construction. This allows you to write off these items opposed to capitalizing the assets. This can provide you with huge tax benefits.
- Defers taxes on capital gain amounts until the property is sold.
- Reduces real estate property taxes.
- Reduces federal income tax and increases depreciation.
Advertisement: Real Estate Investing Forums Discuss real estate, network, or learn about investing on our forums! This Post is from the BiggerPockets Real Estate Blog. Copyright © 2008 BiggerPockets, Inc. All Rights Reserved. Apartment Building Cost Segregation Analysis 
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| [01/25/2007, 02:41] | Apparently, this blog has struck a nerve |  | After sending Kelly Reese, founder fo FFSI, an e-mail expressing my disgust with his decision to pull the rug out from under his sales force (of which I was one), I received a voicemail from Kelly himself rationalizing his decision. It was a nice message, but Mr. Reese is a good talker, I believe he could sell ice to eskimos (sorry for the cliche').
The next morning, yesterday, I received an e-mail confirming my decision to cancel my FFSI membership. Funny, I never said a word about cancelling my membership, I just expressed frustration about losing the income opportunity.
Of course, this blog does show fairly well in the search engines if you type "FFSI", and I have a feeling someone there did just that, and after reading what I had to say and share, figured they would just cancel me.
I'll be adding some more free financial and discount tools to the list on the right as I find them. Let me know if you find them useful, and if you have any that you have found that I can share.
-DW
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| [06/15/2008, 19:17] | Fund of the Week: DJP iPath Dow Jones-AIG Commodity (Again) |  | Surprise surprise... DJP iPath Dow Jones-AIG Commodity was the best performing fund last week, again. It is up 8.30% since I added it to my IRA this spring. Sadly it only represents a small percentage of my IRA so is not really moving my IRA up in my mutual fund experiment.
Unlike last week however, the other funds in the top 10 are not bonds but represent domestic equity from a variety of mutual fund categories.
And the funds with the biggest one week decline are almost all foreign funds.
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| [05/30/2008, 14:18] | Economic Stimulus Rebate Payment in the Bank |  | I had been checking on our economic stimulus check status regularly at the beginning of this month but hadn’t looked for an update in a few weeks. I was happy to see that our rebate check actually came through via direct deposit about a week and a half ago. We’re using the check to help fund our vacation this summer, which is getting closer, so I was pleased to finally see the balance in our bank account! Now I can afford that flight on our private jet, kidding of course : ) I know some of our neighbors and co-workers still haven’t received their rebate checks and are starting to get a little worried. It is a nice chunk of money, we received $1500, so I can understand why everyone is anxious to get it. When they ask me for advice on their rebate I just point them to the details I found, how to track your economic stimulus payment. I remind them there are different qualifications for getting paid and refer them to the post frequently asked questions for economic stimulus rebate checks. I’m just glad that ours has arrived. We’ve already charged our hotel stay for the trip to our AmEx Blue Cash card so the payment will come due here in the next few weeks. We have the money to cover it even if the rebate check had never arrived but now it will be easier to pay the bill since I won’t have to move money out of our ING Direct account to cover it. Now we just have to count down the days until vacation! 
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| [01/21/2007, 16:34] | A lesson learned |  | Well, I have learned a lesson. If you are going to be passionate about something, make sure it is something that you have some control over. My mistake was that I was spending a lot of time and effort promoting something that was obviously out of my control. When I joined FFSI, it was an MLM company that had a great product and an excellent compensation plan for those that wanted to make some money, weekly conference calls discussing business tactics for selling memberships, and a web promotion tool that was second to none along with your own marketing website. Within months, the decision was made by FFSI that it was no longer going to be MLM and the marketing websites disappeared (nice). The compensation plan changed to an affilliate type of program, which was OK. The cost to membership consultants went down and it was still something worth promoting to make a little money. Then right out of the blue, BAM, no more. I guess I'm a little upset about spending time trying to promote something that I thought had a chance of making a little money from that I had no control of. The rug has been pulled out from under me. Live and learn. DW   |  |  |  |
| [02/27/2006, 18:17] | Identity Theft Victims' Stories |  | For anyone curious about how serious identity theft can be, check out this collection of victim stories and testimonies: Identity Theft Victims' Stories. Find stories hiligting identity theft occurances which are both common and completely shocking. Everything from single mother's encountering credit issues to employer identity theft and cellphone company frauds.
Some of these stories can certainly freak one out, but it is important to note that with the right information and tools to monitor and keep track of credit reports and fiscal records, anyone can avoid a majority of issues like these. |  |  |  |
| [07/09/2006, 05:56] | Cooking on a Budget |  | I've read alot of other blogs, such as Boston Gal's Openwallet, My Open Wallet, and Dawn's Frugal For Life, where recipes on a budget are often posted.
I have a chicken recipe that I often make to stay within my budget. It's probably already quite commonly known and made around the cooking circle. I find that it is quite stretchable in terms of the number of days it could last while still tasting yummy as well as it being cheap and easy to make.
Ingredients
A Whole Chicken - I am quite lazy so I buy the whole rotisserie chicken from a major supermarket chain store, like Ralph's or Albertson's. If you buy after 10:30 pm, they sell it at a reduced price. Cost = $4.99
Mayonnaise 1 small jar - Always buy the store brand since they tend to be the cheapest. Cost = $1.99
Yellow Mustard 1 small jar Cost = $1.99
Capers 1 jar Cost = $3.99
Black Olives 1 can Cost = ~$1.00 (I got a can for $0.98)
Green Olives 1 can Cost = ~$1.00/$0.98 - Add green olives if you wish to add variety.
Total Cost = $14.96
Method
- Slightly warm up the cooked rotisserie chicken, if it is not warm already. Break rotisserie chicken into thin strands or chunks. This is very easy if you use the rotisserie chicken since it falls apart very easily in your hands. If not, boil a whole chicken and add two spoonfuls of chicken stock in the boiling water.
- Add approximately 2 to 3 tablespoons of mayonnaise and 1 to 2 tablespoons of yellow mustard. Most people might find 3 tablespoons of mayonnaise and 2 tablespoons of mustard to be abit much.
- Add 2 to 3 tablespoons of capers. Again, 2 tablespoons should be fine.
- Chop up approximately 1/4 cup of Black and Green Olives each.
- Mix everything together.
You can eat this mixture by itself, over some greens/spinach/corn/beans as a salad, as a spread for sandwiches, or with rice. The remaining unused portions of olies, mayonnaise, mustard and capers should last and make two or three more dishes, so I make sure that they are handled and stored as cleanly as possible.
I find that this lasts me about 4 days, eating it by itself or with a slice of bread or rice for both lunch and dinner.
Not bad for approximately $15.00 for 4 days, with some ingredients left over to make additional batches. |  |  |  |
| [06/12/2008, 21:21] | I went and got married! |  | Well folks, we finally did it! Just a few short months after I started this little blog in early 2006, I bought an engagement ring, popped the question, and got engaged. Months and months of planning, picking photographers, florists, and fighting over the guest list, we finally did it! I am now Mr. LA MoneyGuy. Oh, wait a minute. Well, nothing I hate more than, "sorry I haven't posted much lately" posts. They're just so arrogant. It presumes that everyone is sitting in front of their computers waiting for your next words of inspiration. So, I'm not going to apologize, but just say that the wedding was awesome, and our honeymoon absolutely incredible. We returned a couple of weeks ago from a two week trip to the Mediterranean, and moved in to a new apartment last week. Busy times, indeed. I may write more about both later, as there is definitely a personal finance angle to both. I know, I know... you all want to know where to send the gifts. Tell you what, in lieu of gifts, please pay off your credit cards! And if you don't have any credit card debt, take an old friend out to dinner. |  |  |  |
| [11/28/2008, 12:51] | The 99 Club.... |  | I was clicking through a few Blogs this morning and came across MONEYNING. It is a personal finance blog which had an interesting story which is quite appropriate at this time of year, especially considering the poor state of the economy. Here it is.
"Once upon a time, there lived a King who, despite his luxurious lifestyle, was neither happy nor content. One day, the King came upon a servant who was singing happily while he worked. This fascinated the King; why was he, the Supreme Ruler of the Land, unhappy and gloomy, while a lowly servant had so much joy. The King asked the servant, ?Why are you so happy??
The man replied, ?Your Majesty, I am nothing but a servant, but my family and I don?t need too much - just a roof over our heads and warm food to fill our tummies.?
The king was not satisfied with that reply. Later in the day, he sought the advice of his most trusted advisor.
After hearing the King?s woes and the servant?s? story, the advisor said, ?Your Majesty, I believe that the servant Has not been made part of The 99 Club.?
?The 99 Club? And what exactly is that?? the King inquired.
The advisor replied, ?Your Majesty, to truly know what The 99 Club is, place 99 Gold coins in a bag and leave it at this servant?s doorstep.?
When the servant saw the bag, he took it into his house. When he opened the bag, he let out a great shout of joy? So many gold coins!
He began to count them. After several counts, he was at last convinced that there were 99 coins. He wondered, ?What could?ve happened to that last gold coin? Surely, no one would leave 99 coins!? He looked everywhere he could, but that final coin was elusive. Finally, exhausted he decided that he was going to have to work harder than ever to earn that gold coin and complete his collection.
From that day, the servant?s life was changed. He was overworked, horribly grumpy, and castigated his family for not helping him make that 100th gold coin. He stopped singing while he worked.
Witnessing this drastic transformation, the King was puzzled. When he sought his advisor?s help, the advisor said, ?Your Majesty, the servant has now officially joined The 99 Club.?
He continued, ?The 99 Club is a name given to those people who have enough To be happy but are never contented, because they?re always yearning and Striving for that extra 1 saying to themselves: ?Let me get that one final thing and then I will be happy for life.?
We can be happy, even with very little in our lives, but the minute we?re given something bigger and better, we want even more! We lose our sleep, our happiness, we hurt the people around us; all these as a price for our growing needs and desires.
That?s the 99 club.
Market Post to follow.....
Good Luck and Good Currency Trading. |  |  |  |
| [07/17/2008, 10:05] | Should You Eat Food after the Expiration Date? |  | | Today’s question to get your morning rolling is, Should you eat food after the expiration date? This is an argument that my wife and I often get into when the food in the refrigerator goes past the date marked on the package. My wife’s automatic reaction is to look at the date and throw out anything [...] |  |  |  |
| [07/08/2007, 08:24] | The Differences Between How Parents and Society Teach Boys and Girls Financial Awareness by Carrie Carter |  | With a divorce rate of around 50% and many people not marrying until they are in their thirties, it is surprising to find that there are still many women who aren't financially educated. Most of this can be traced back to two factors: upbringing at home and society. In both cases, boys have often been given much more training and many more resources than girls have and the effects are damaging women financially today as they face a world in which they have to take care of monetary issues on their own but have never developed the skills to do so. The Safe, Secure 1950's In the 1950's most women quickly married and settled down to raise families. Very few of them worked outside the home, and finances were handled by the men. It was a financially prosperous time and women were expected to focus on the home and child-rearing. This focus on home-making was passed on to daughters while sons were groomed to the "breadwinners" of the family. The obvious separation between girls and boys activities also managed to keep girls "sheltered" from financial concerns. They weren't expected to pay for anything on a date and parents didn't often expect them to hold down jobs. Boys, on the other hand, were expected to get a job at a young age, even if it was merely a paper route. The expectation was that a young man needed to "take on some responsibility" and "contribute." As the generation raised in the 1950's grew up and raised families of their own, they passed on the financial biases that had been instilled in them to their own children. Many of today's parents have made the same mistakes their own mothers and fathers did, ignoring the obvious need for women to understand and learn to handle their own finances in favor of hoping that their daughters wouldn't have to face the harsh financial facts of life. The belief that men would take care of women's financial needs was so ingrained that many of the "big picture" financial lessons were overlooked. Women tended to learn how to shop for bargains at the grocery store, stretch the budget at the holidays and that was about it. More complex lessons such as long-term investments, retirement planning and stock portfolio development were not a part of the picture. Boys learned how to manage their money, save for a rainy day, and make smart investments and a host of other financial strategies. Play and School Contribute to Gender Gap Interestingly, boys more than girls tend to develop habits that are more geared toward understanding numbers and how they relate to finances from a very young age. While girls tend to be "collectors," says Joline Godfrey, founder of Independent Means, "boys develop informal economies based on relative value from the age of six on while trading cards and other items. By the time boys start trading stocks and bonds, it's just another form of the game." Independent Means is a company which promotes economic independence and growth for girls and women aged 14 to 24. Even in school settings, boys are rewarded more consistently for being risk-takers, and investing is often perceived as a risky venture. Girls aren't encouraged to take risks and aren't rewarded for these types of behaviors and instead are likely to be cautioned to be careful. When faced with the prospect of learning about investing in the stock market or learning about retirement options, these same girls - now women - are more fearful of making decisions and less sure of themselves in making choices for themselves. Statistics Show Gender Bias A recent survey showed some startling discrepancies even today between teenage boys and girls and how much education they have received in the very basics of finance. Some of the findings include: * Many more teenage boys than girls report understanding of how to write a check and how a credit card works, including accrued interest. * Teenage girls are much more likely to be in debt than boys, with almost 50% reporting credit card debt as opposed to less than a quarter of teen boys having any debt. * Girls are more likely to report that learning about investing is boring, while boys report a real interest in learning about it. When asked to elaborate, girls often pointed out that this wasn't something they would be doing in the future, while boys indicated that it was important to learn so that they could be successful. The perception that girls shouldn't have to worry about their financial future in the long term (based upon the faulty premise that a man will take care of her or that she can hire a financial consultant to handle all of the boring stuff) is still present in many homes. Fortunately, the balance is beginning to shift as more parents realize that women who are successful in their careers must also be able to guide their own financial futures, not rely on others to do it for them. Programs Aim at Closing the Gap Today's girls are more likely to learn how to handle money at a young age. Cautionary tales in the news and on talk shows about women left destitute and the fear that social security can no longer support an individual in their golden years has, perhaps, contributed to this. After all, with most women outliving their spouses and more than half of women divorced, it's likely that today's girls will be supporting themselves in their retirement years - understanding Roth IRAs suddenly becomes very important. Companies and organizations are also stepping to the forefront with programs designed to educate teens in general and girls in particular. Boys and Girls Clubs of America, in collaboration with Charles Schwab, offer Money Matters: Make It Count programs in cities across the country. Visa works with Girl Scouts of the USA to provide two resources, the Cashin' In workbook and the Makin' Cents web game, to teach girls aged 13-17 financial responsibility. The web game specifically challenges players to find real-world solutions for characters' financial challenges. With such programs increasingly popular and the need for women to understand finances now a hot topic, it's to be hoped that this generation of fathers will teach their daughters as much about finance as they teach their sons. Carrie Carter: Author of: Think Your Way to Riches Kids' Style For more information or to arrange an interview with Carrie Carter at 810.252.2281 e-mail: carrie114cr@aol.com or visit: www.ThinkYourWayToRichesKidsStyle.com Carrie's passion is to help people on their inner journey to discover their personal road map for abundance, peace, and happiness. Her main passion is to give children worldwide the "Tools" which are lacking in the normal educational system and understanding to create the abundant lifestyle they are all worthy of. Experience Carrie's educational seminars, workshops, and private life coaching.
About the Author Carrie's passion is to help people on their inner journey to discover their personal road map for abundance, peace, and happiness. Her main passion is to give children worldwide the "Tools" which are lacking in the normal educational system and understanding to create the abundant lifestyle they are all worthy of. Experience Carrie's educational seminars, workshops, and private life coaching. |  |  |  |
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