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4
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This is the third in a series of Truth Test articles, checking the validity of statements made in political ads.

Discovered 2 weeks ago | 0 comments

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If you’re a student in need of a credit card, you’ll want to do your homework on which card is the best for you. Are you looking for a credit card with a low APR so you can carry a reasonable balance from month to month? Perhaps you’re the type of student that puts all [...]

The Consumerism Commentary Podcast is in full swing with new episodes every Sunday. Listen and subscribe now!

Citibank $50 Statement Credit Back To School Offer

Discovered 2 weeks ago | 0 comments

5
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Ronald W. Sugar stepped down last month as chairman and chief executive of Northrop Grumman (NOC) after 29 years at the company, under a plan announced last year. He may still do a little work for them here and there, though — starting at $5,560 a day. Granted, the work isn’t full-time. It comes under [...]
Discovered 4 weeks ago | 0 comments

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Governors' races are happening in 37 states in the 2010 election. The candidates focus on different issues depending on their states, but one stands out a ' state budget deficits.

Discovered 2 weeks ago | 0 comments

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Contrary to popular belief, you CAN dress well without spending a fortune on designer clothes and shoes. I love fashion and can relate to the need to look good and to impress. It’s a very human need, after all. No one wants to look frumpy or “cheap.” However, I do believe that it’s quite possible [...]
Discovered 4 weeks ago | 0 comments

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AP - THE BACKDROP: India has threatened to block BlackBerry corporate e-mail and messaging services unless intelligence and law enforcement agencies get easier access to data by Aug. 31.
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The purpose of traditional copywriting is solely to sell. The purpose of conscious copywriting is solely to serve. There's no judgment here of right or wrong, good or bad. It's simply a matter of recognizing that our world of commerce is shifting dramatically from selling to serving.
Discovered 3 weeks ago | 0 comments

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The results are in, and Williams College has been ranked the number one college in America by Forbes. Each ranking system uses different criteria to determine the top colleges, and Forbes attempts to rank the best schools from the student’s point of view. “Students have varying tastes, preferences, academic abilities and financial situations, so the [...]
Discovered 2 weeks ago | 0 comments

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PhD Scholarship,Aboveground-Belowground Interactions at Climate Change,University of Copenhagen,Denmark Job Description: Herbivory is an important process in terrestrial ecosystems that depends on climate change effects on the plant as well as on the herbivore. The task of the present PhD is to assess the impact of climate change on invertebrate herbivores above and belowground and the [...]
Discovered 4 weeks ago | 0 comments

7
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...evidence indicates that large (diversified) hedge fund investors may be able to exploit multiple predictive factors by averaging their predictive powers to enhance returns derived from selecting recent past winners.
Source: CXO Advisory
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This is a guest article by Ramit Sethi, author of the best-selling personal finance book, I Will Teach You to Be Rich. He recently launched a new program, Earn1k, to help people earn more money on the side. To get a free mini-course on earning more, sign up here. Ramit will also be our guest [...]

The Consumerism Commentary Podcast is in full swing with new episodes every Sunday. Listen and subscribe now!

How To Do What You Love And Get Paid – $1,000 or More a Month

Discovered 4 weeks ago | 0 comments

5
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Cash-strapped states from Maine to Hawaii are tearing up the pink slips - for now - relieved that the $26 billion state aid bill passed by Congress this week has saved hundreds of thousands of jobs.

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2 weeks ago I was one of 26 14-18 year-old boys, youth leaders, and fathers that embarked on a 63-mile 5-day backpacking trip in the Uinta mountains. King's Peak, the highest mountain in the state at over 13,500 feet in elevation, was just one of the many challenges of the week.
Discovered 2 weeks ago | 0 comments

6
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SA/Italy Joint Science and Technology Research Cooperation Programme 2010. Description: This call is open to researchers residing in South Africa, who are employed at a recognised higher education or research institution such as a university, university of technology or science council. An application must designate two Principal Investigators (PIs), one in South Africa and the [...]
Discovered 4 weeks ago | 0 comments

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Apollo Group, Inc. (APOL) closed down $1.51 to $38.96. Education Secretary Arne Duncan said his department will increase oversight of federal student financial-aid programs in a letter to Senator Harkin, according to Bloomberg. September put option implied volatil...
Discovered 3 weeks ago | 0 comments

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Unused oil rigs sit in the Gulf of Mexico near Port Fourchon, Louisiana August 11, 2010. REUTERS/Lee CelanoReuters - Americans are almost equally divided on whether the Obama administration should lift the moratorium on offshore oil drilling and on the possibility of BP returning to explore in the area of its massive spill, according to a new Gallup poll.


Discovered 2 weeks ago | 0 comments

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If between one ac-counting period and another a company's net worth grows, then during that period the company has made money; if its net worth becomes less, the company has lost money or has paid out its profits. It is not possible to tell what a com-pany is worth merely from how much cash and other assets it has. That is one of the important things accounting has taught business over the course of the years. Suppose a publisher of magazines sells a million subscriptions for $3.00 each and takes in $3,000,000, which he has in cash in the bank.
Discovered 4 weeks ago | 0 comments

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If you’re a US citizen wondering why you’ve never heard of form W-8, it’s really no wonder at all. Form W-8 is filled out by foreign entities (citizens and corporations) in order to claim exempt status from certain tax withholdings. The form is used to declare an entity’s status as non-resident alien or foreign national [...]
Discovered 4 weeks ago | 0 comments

1
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Macworld.com - Apple has already identified the iPhone security exploit used by the Web-based jailbreak procedure released earlier this week and, according to a statement the company provided to CNet, the company has a software fix ready to go.
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Now the one mistake I made when I started my business was, that I didn't do any market research, I didn't read up on the local laws about small business licenses and I sure didn't know anything about accounting. You could say these are the three NO's that you need to fix before you start your own business, but we'll talk about that later on.
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You probably do not like to think about losing your job. However, in the current economic environment it is a good idea to be prepared. The most recent release of initial jobless claims underscores this reality. You may have survived with your job so far, but will you survive what’s coming? And if we really [...]
Discovered 3 weeks ago | 0 comments

6
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PhD Fellowship,Organic Waste Impacts on Soil Filter Functions and Water Quality,University of Copenhagen,Denmark Job Description: With reference to the project manager, the work of the Ph.D. fellow will consist mainly of duties in connection with research and development within studies of mobility, availability and impacts of nutrients, heavy metals and bacteria in soils receiving organic [...]
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9
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Neighbors routinely get a picture and a name when a sex offender moves next door.

Source: Law News
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The First Family traveled to Florida’s Gulf Coast today to spend the weekend in Panama City Beach, Florida.  The President and First Lady joined area small business owners and Navy Secretary Ray Mabus for a roundtable discussion of the recovery. 
 
The President and the First Lady participate in a roundtable discussion in Florida
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6
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Pakistani flood survivors carry relief food supplies as they walk in a flooded area of the village of Bassera on August 17, 2010. The World Bank, which has announced a 900 million dollar loan for Pakistan, expects the economic impact to be huge, indicating that direct damage was greatest in housing, roads, irrigation and agriculture.(AFP/Banaras Khan)Reuters - The U.S. government's role in...

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Regular readers of this blog are familiar with mobile banking and its potential to bring vast numbers of the unbanked into a more formal financial system and revolutionize the way they manage their money. Yet although microfinance institutions (MFIs) have spent decades serving this clientele with loans and increasingly savings and other financial products, [...]
Discovered 3 weeks ago | 0 comments

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One strategy that seems to work well for people looking to conquer bad spending habits is to convert purchases into hours of work. A $4 latte, the classic enemy of frugalists everywhere, doesn’t seem too expensive because it’s only four dollars. If you only earn minimum wage of $7.25 an hour, that’s nearly half an [...]



Convert Purchases from Dollars into Time from personal finance blog Bargaineering.com.

Discovered 3 weeks ago | 0 comments

8
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Answering services truly benefit businesses. They can save you money, help you create an amazing first impression, and ensure you never miss an important call or lose a customer to voicemail.
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Last weekend I went to see the Sound of Music at the Birmingham Hippodrome and was reminded of the similarities between Maria and directors of failed companies who want to try again. They are both free spirits; they have had a difficult past; they lack proper guidance and focus; they do not have a clear master plan; they fail to grasp all the realities of the present. It's no wonder those around them get hurt and often feel abused!
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Advocacy groups have asked federal officials to investigate last month's distribution of a list of 1,300 purported illegal immigrants in Utah.

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Welcome to the Million Dollar Journey July 2010 Net Worth Update Very little has changed since the June update.  In fact, the updates look very similar with the biggest increase this month again being … savings!  While building and generating cash is the goal, it can become an issue if you don’t know what to do with [...]
Discovered 3 weeks ago | 0 comments

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The credit market sure has changed a lot over the last several years. It was not too long ago that you didn’t need to do much more than show up in a mortgage lender’s office, tell them how much you wanted to borrow and have them cut you a check. Verifiable income and good credit [...]

Original Post on The Sun's Financial Diary

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5
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Posted by Michael Schaeffer, PFM Advisor East AFRITAC The Collaborative Africa Budget Reform Initiative (CABRI) organized a regional workshop on May 17-21, 2010 in Mauritius entitled ‘Good Financial Governance: Towards Modern Budgeting’. The workshop was separated into a number of...
Source: PFM Blog
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I have used this portion of definition for my title because it brings us to the heart of the matter of risk assessment. What is a risk assessment? Risk assessments are processes used by employers because they are duty bound to consider and identify any and all risks in their business that are potentially harmful.
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Potash Corp. logoBullish bets are popular on Potash Corp. of Saskatchewan (POT), according to data from the International Securities Exchange (ISE). During the past 10 days, speculators on the ISE ha...

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Reuters - The Turkish government appointed General Erdal Ceylanoglu as commander of the land forces on Sunday, CNN Turk reported, apparently defusing a row that was brewing between the government and military leadership.
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A recent news story talks about the struggles that many families have to face with a low income or a lot of debt causing many children to be unhealthy. However, a Chapter 7 bankruptcy might help ease the debt burden and open up cash for food.
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I remember six years ago when the Beastie Boys released their newest album. It dealt with New York City and what it meant to the group -- hence the title, "To the 5 Boroughs." It seems that athlet...

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Posted by Matt Andrews How strong has African PFM become? How do African public financial management (PFM) systems in place now facilitate effective public financial management? Where are the next challenges and how can they be met? A recent paper...
Source: PFM Blog
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6
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Over the past month or so I've been working my way through a book titled The Ethics Of Star Trek. I usually read books very fast, but this one has so many concept involved that, well, I won't say I'm struggling to get through it anymore, but it's so detailed and compact that it's become more of a love/hate relationship than anything else.
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A lawsuit filed in North Carolina accuses "American Idol" winner Fantasia of breaking up a marriage and making a sex tape with the husband, court records show.

Source: Law News
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PhD Position: A cognitive System Supporting Intelligent Interaction, Netherlands. Job description: The PhD position is available in the Multi-agent Systems Group in the Institute of Artificial Intelligence (ALICE) at the University of Groningen. The candidate will join the five-year Vici project of Prof. Rineke Verbrugge, comprising six researchers. The Vici project ‘Cognitive systems in interaction: [...]
Discovered 2 weeks ago | 0 comments

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Department of CommerceGross domestic product growth slowed to a 2.4% pace, the slowest in nearly a year, the Commerce Department announced Friday. The reading of this measure of economic activity is too weak to push down unemployment. The quarter saw consumers spend less and retail...

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Reuters - Thailand's prime minister has proposed a reshuffling of top military leaders that strengthens the influence of royalists and risks intensifying a violent power struggle in one of Asia's best-performing emerging markets.
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President Barack Obama is dressed in casual clothes as he departs the 'Spy Museum' in Washington, Friday evening, July 30, 2010. (AP Photo/J. Scott Applewhite)AP - It's hard to travel incognito when you're the president — even on a mission to a spy museum.


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It isn’t every day that one of the biggest industrial companies settles foreign bribery charges — and almost acknowledges the allegations in the process. Given that the company didn’t tell investors that the investigation was even underway, that’s not half bad. Today General Electric (GE) settled allegations by the Securities and Exchange Commission that several [...]
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(This is a guest article by Timothy Ng*)

The allure of an overseas holiday when you are a student us often compelling. You are at that point in your life when you want to experience everything, to taste it, feel it, and smell it. Travelling out of the country may have always been a dream of yours or maybe you want to experience these adventures without mom and d...
Discovered 3 weeks ago | 0 comments

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Critical financial operations require a level of business continuity much greater than other industries. Disaster recovery plans should include a secure secondary office site that can take over essential functions should the main office be destroyed or unavailable.
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SPACE.com - Former NASA chief Sean O'Keefe and his son are among the survivors of the fatal plane crash in southwestern Alaska late Monday that killed five people, one of them ex-senator Ted Stevens, officials with the defense contractor EADS North America have confirmed.
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We have all seen images of third world poverty, usually amid a major disaster but the majority of the world's population lives in poverty all the time. Most of these people do work but they do not receive a sustainable income to provide for themselves and their families. I argue that Fairtrade is the solution and it should be achievable with a minimal impact on developed world consumers.
Discovered 4 weeks ago | 0 comments

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Mid-term elections"The period around mid-term elections is nearly always conducive to stock market gains, regardless of the political outcome," suggests market historian a...

Discovered 3 weeks ago | 0 comments

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...evidence from simple tests of a publicly available set of "confirmed" Hindenburg Omens suggests the possibility of usefulness, but reservations regarding small sample size and potential sample bias are strong.
Source: CXO Advisory
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Makers of X-ray machines, drug pumps and other medical devices would have to submit more safety information to win federal approval under a proposal designed to tighten regulation of thousands of products reviewed each year.

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For many years, the Better Business Bureau has been aiding consumers by taking their part against unscrupulous and crooked industries. When a customer complains, the bureau listens, advises on what actions to take, and contacts the questionable business to reiterate the customer's complaint. Although the Better Business Bureau has no authority to act on the behalf of the individual or one business against another, it does furnish as much support as possible, and it provides all consumers with updated information on frauds and schemes that criminals use.
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Let's face it, most accounting practice owners are not familiar with selling their own practice. This is an event that may happen once or twice in a lifetime. There are some important factors that every owner should be aware of that could kill the deal
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LiLo is NOT a Meth addict, says her lawyer By Daily Mail Reporter Last updated at 12:16 AM on 2nd August 2010 Lindsay Lohan's lawyer has hit back at claims that she is to be treated for addiction to Methamphetamine and bi-polar disorder during her court-ordered 90 days in rehab.

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This post is from staff writer Sierra Black. Sierra writes about frugality, sustainable living, and getting her kids to eat kale at Childwild.com. Travel is a gift. We get to see new places and cultures, meet new people, and expand our lives. Most of us, when we’ve put the time and money into traveling somewhere special, want to treasure the memories. There’s a large industry to support that desire. Gift and souvenir shops in the United States pull in over $17 billion a year, according to Hoovers. And gift shops are just the tip of the iceberg. Souvenirs range from cheap t-shirts with cheesy slogans to beautiful handcrafts made by local artisans. Here in Buenos Aires, I can shop at an...
Discovered 4 weeks ago | 0 comments

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AP - A Missouri man has been sentenced to two and a half years in prison for threatening to kill President Barack Obama.
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If you're looking to attend graduate school, you will want to be sure to exhaust all avenues to help you cover the cost. While your credit is likely improved enough where you can take out an alternative student loan or Grad PLUS loan, you still have rent, car payments and other bills to consider. So if you already have a full-time job, be sure to contact your employer about tuition reimbursement.
Discovered 3 weeks ago | 0 comments

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As growing demand boosts production in the second half of 2010, some companies will fail to meet output due to struggles in the supply chain.

Earnings season has shown industrial companies' surging profits in the first half of the year and increased optimism for the months to come. Emerging market strength and stable raw material prices have helped the manufacturing boost.

Industry giants like Caterpillar Inc. (NYSE: CAT) and Siemens AG (NYSE ADR:
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Admittedly wary of losing touch, President Barack Obama returned to the comfort of backyard politics on Wednesday, assuring a polite gathering of middle-class neighbors that the economy is coming around "slowly but surely." At the brick-and-shingle house of the Weithman family, Obama's questioners showed no interest in the divisive midterm ...

Discovered 2 weeks ago | 0 comments

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The United States uses far more oil than any other country. The chart shows this very well. The chart shows all countries using over 2 million barrels of oil a day. The USA consumed 18.7 million barrels a day in 2009. Only China was also over 5 million barrels, they reached 8.2 million in 2009. [...]
Discovered 2 weeks ago | 0 comments

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Hey, just like BofA! Another settlement, another DK from a judge: “A federal judge refused to approve the Securities and Exchange Commission’s $75 million settlement with Citigroup Inc. over the bank’s disclosure of subprime-mortgage problems, saying she is “baffled” by the proposed pact. The move by U.S. District Judge Ellen Segal Huvelle represents another challenge for the SEC [...]
Discovered 2 weeks ago | 0 comments

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Spotting and stopping the Collusion Scam is really difficult. For one thing, the invoices that the bookkeeper receives will match the checks going out. That makes embezzlement even more difficult for an auditor (or auditing accountant) to find because there's legitimate backup and everything appears to be "on the up and up."
Discovered 4 weeks ago | 0 comments

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AP - The defense intelligence community is combing its budgets to figure out where to cut 10 percent of its contractors as part of Defense Secretary Robert Gates' drive to reduce costs in the Pentagon.
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9
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Outsourcing is today's word and that's not a surprise. It's effective way to run any business. Here are three key points what should give you the reason why it's good to start outsourcing today.
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Reuters - President Barack Obama on Friday signed into law a $600 million bill to beef up security on the U.S. border with Mexico, and his aides pressed lawmakers to set aside election-year politics and work toward broader immigration reform.
Discovered 3 weeks ago | 0 comments

5
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About a month ago, I had an electrician tell me that the wires in my rental unit were too old and dried-out to leave there and insulate over. That made my thrifty wall insulation project into a total rewiring job,...

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5
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BP Cleanup ProcessTwo weeks ago, BP plc (BP) was able to stop oil from spilling into the Gulf of Mexico. The company announced today that it was time to being

Discovered 4 weeks ago | 0 comments

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Filing bankruptcy can be a life changing process, where debts are discharged and creditor harassment stops. The benefits are too numerous to note in one article, but one common question concerning Chapter 13 bankruptcy is how exactly your lawyer helps. This guide will go over first what the lawyer does, how he or she helps you, how to hire one, and then how Chapter 13 can save you financially.
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Over the past few years, dividend growth investing has become one of my favorite investing strategies which is evident in the number of times I’ve written about the topic.  I follow the dividend growth investing strategy as it can generate a growing tax efficient income stream over time as well as the comfort of receiving a portion of the [...]
Discovered 3 weeks ago | 0 comments

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Rep. Charles Rangel, D-N.Y., puts on his jacket as he leaves his office to go for a vote on the House floor on Capitol Hill in Washington Thursday, July 29, 2010. (AP Photo/Alex Brandon)AP - Rep. Charlie Rangel is getting sympathy from some fellow Democrats but scant support from others as he faces trial on several ethics charges.


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Lee Kong Chian Graduate Scholarships,Research,National University of Singapore, Singapore Job Description: The Lee Kong Chian Graduate Scholarships (“Scholarships”) were established from donations received from the Lee Foundation and are the University’s most prestigious scholarship awards for graduate students. The selection of candidates will take place once a year, in time for the start of the [...]
Discovered 3 weeks ago | 0 comments

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Colin Holmes Dairy Scholarship,University of Massey University,New Zealand Job Description: The Colin Holmes Scholarships were developed in 2009 by the Board of Trustees for the Westpac Taranaki Agricultural Research Station, in order to encourage postgraduate research that will benefit the dairy industry. These scholarships are named after Prof Colin Holmes in recognition of his outstanding [...]
Discovered 2 weeks ago | 0 comments

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CitiBank, one of the premier credit card lenders in the US today, has developed a new credit card offer for small business owners that need to travel. For a limited time, the CitiBusiness® AAdvantage® / Visa® is awarding new cardholders 30,000 bonus miles, enough for a domestic round-trip ticket. The only requirement to qualify for [...]

The Consumerism Commentary Podcast is in full swing with new episodes every Sunday. Listen and subscribe now!

CitiBusiness® / AAdvantage® ...

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It’s Friday the 13th. Are you scared? I’m not. In fact, I’ve always viewed 13 as a lucky number, so I’m guessing it’s going to be a good day. Although, I guess there is one unlucky thing going on at the moment. If you recall last week, I mentioned the site had a new design [...]

About the Author: Jeremy is a retirement planning specialist and founder of Generation X Finance and the guide to Financial Planning at About.com. To learn more, follow Jeremy on Twitter.
...

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CQPolitics.com - President Barack Obama seems to have settled on a way to rally his party as he campaigns around the country: Remind voters of the political foibles made by leading House Republicans this year.
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40 billionaires pledge to give away half of wealth In addition to Buffett and Gates – America’s two wealthiest individuals, with a combined net worth of $90 billion, according to Forbes – 38 other billionaires are taking the give-it-away pledge. They include New York Mayor Michael Bloomberg, entertainment executive Barry Diller, Oracle co-founder Larry Ellison, [...]
Discovered 3 weeks ago | 0 comments

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TradeKing is offering new customers a $50 cash bonus when they open a new online brokerage account via the special promotion links on partner websites. This offer is only available through a select number of websites and only for a limited time. 2010 TradeKing $50 Cash Bonus Promotions There are currently two TradeKing promotions going [...]
Discovered 3 weeks ago | 0 comments

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I live in suburban Natick, so there are not any tower shadows around here to darken my day. But I have done a heck of a lot of reporting over the years on downtown Boston development, enough to know the...

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Are Americans becoming more honest about their weight? That theory could explain why the gap appears to be closing in what people say they weigh and what actual measurements report.

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I have always thought of the iPhone as being cooler, more advanced, and just a better phone than the brick my mom carries around and calls a cell phone. However, I did not have any idea that the iPhone was actually sexier…or at least its users are. A new study by OkCupid revealed that iPhone users [...]
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Businesses, non-profit agencies and even the government are all victims of both fraud and theft on a daily basis. Find out what you can do to try and avoid being a victim of Accounting Fraud.
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JCPenney (JCP) logoJCPenney (JCP) fell to a new 52-week low of $20.20 Friday morning after its

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13 August 2010 Public Relations firm often engage in political lobbying and vice versa.  That is part of the reason why a growing practice is to require disclosure of the contact these businesses have with governments. This sector has been the subject of some bad press this week. Recent research by the Guardian has found that PR [...]
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The hunt is on for a new assessor after Board of Assessors Chairman David Cornell handed in his resignation to aldermen last week.

Source: Law News
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The best kind of benefit is a fringe benefit, right? As it turns out, the IRS has a guide for Federal, State, and Local Governments (FSLG) governing the tax rules of fringe benefits and the reporting of fringe benefits! We ran into this the other day as my lovely wife was signing up for a [...]



University Pre-Tax Parking Deduction Benefit from personal finance blog Bargaineering.com.

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McClatchy Newspapers - DETROIT — Out to convince voters that the bailout of the U.S. auto industry has been a success — and to build buzz for its controversial poster child, Chevy's Volt electric car — President Barack Obama on Friday drove a car publicly for the first time in more than three years and implored consumers, "Don't bet against the American people."
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The most sure-fire way to save cash is to simply not spend it. It’s far easier said than done, though. From the unexpected expenses that inevitably pop up at the most inopportune time to those times when (gasp!) you find yourself looking for a bit of retail therapy, the temptation to spend money lurks around [...]

Original Post on The Sun's Financial Diary

Special bonus offers

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8
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Over a year and a half ago I wrote an article comparing MacBooks vs. PCs, and why I chose a PC. At the time, the PC was the right choice for me. I researched my options and purchased a Dell laptop for roughly half what it would have cost me to purchase a MacBook with [...]
Discovered 2 weeks ago | 0 comments

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Remember a few years ago when banks started “reordering” debits from your checking account? They repeatedly said it was for your own good, putting the largest debits first and then dinging you an overdraft fee for every overdraft? Their explanation seemed reasonable. You’d much rather your mortgage payment go through than for the check to [...]



Reordering Overdrafts to Cost Wells Fargo $203 Million from personal finance blog Bargaineering.com.

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AP - ITT Corp. will sell its systems engineering and technical assistance services business to Wyle Inc. for $235 million, the defense contractor said Monday.
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A key skill a business manager must learn is basic accounting. Understanding accounting will give you a better understanding of how your organisation works. This has many benefits as it gives you greater control and confidence over your budgets and your own destiny.
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The quarterly report that Comverge, Inc. (COMV) filed July 30 left us hoping that the company’s attorneys, accountants, and especially Steve Moffitt, its Executive Vice-President of Engineering and Operations, all have good senses of humor. We chuckled at Exhibit 10.5 to the Q, the company’s Executive Employment Agreement with Moffitt.  Once you get past the standard provisions [...]
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According to the latest statistics from the Federal Reserve and the publisher of FinAid.org, the total amount of money Americans have borrowed on government and private student loans at $830 billion has surpassed the total American consumer balance on credit cards, only $827 billion. As the Wall Street Journal mentions when sharing this information, this [...]

The Consumerism Commentary Podcast is in full swing with new episodes every Sunday. Listen and subscribe now!

Student Loan Debt Surpasses Credit Card Debt

...
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This is the time of year when you face the facts: Is my GMAT score high enough to get me into my schools of choice or should I retake the GMAT?   As an Accepted.com consultant, I would advise you to take the GMAT to achieve your highest possible score, but I also warn you that my advice has a corollary: the law of diminishing returns applies to the GMAT.

This classic economic theory implies that if you continue to put forth effort into the GMAT, you will reach a point where the effort you put into the test will have negative consequences (diminished returns).  You may in fact, continue to raise your score, but there is a point at which the number of times yo...

Discovered 4 weeks ago | 0 comments

1
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Filing for bankruptcy can be one of the most difficult decisions of our lives, but when there is no other way out, you have no option apart from going for it. But before you actually take your first step towards filing of bankruptcy you must know some very important facts about the bankruptcy law so that you can get ready mentally and emotionally for living a better life after bankruptcy.
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4
votes

Democrats on a House health care panel remain convinced, after hearing from Bemidji health care providers Friday, that Minnesota must join early federal Medicaid enrollment.

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0
votes

The U.S. government proposed major changes Thursday to the way it works with companies to fight new disease threats such as flu, including reform at the Food and Drug Administration and setting up centers to make vaccines quickly.

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4
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In today's economic climate many people are wondering if now is the right time to start their own business, but if you have been made redundant (or think you might be) then it can be a great opportunity. There is also a school of thought that if you can make a new business successful in today's economic climate then you probably have a great business idea!
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3
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This afternoon’s post takes a look at some noteworthy events unfolding around the globe: MetLife, Inc. (MET):  In the 8-K that MetLife filed August 2, Exhibit 99.2, page F-34 includes an update on the Italian branch of Alico Life International Ltd.’s (ALIL) fund suspensions in Italy, which relate to allegations that – among other things [...]
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10
votes
Interest rates on mortgages are now at incredible lows (at or below 4.5 percent for 30 year fixed rate loans with no points and no closing costs) so new mortgage originations and refinancings are keeping mortgage brokers swamped with work....

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9
votes

Attention all career-changers: Tomorrow Linda Abraham, Accepted.com founder and president, will present an informative webinar that will guide individuals attempting to use the MBA to change career paths through the b-school application process.

The webinar, MBA Catalyst for Career Change, will cover must-know material including the six elements you need to include in your application to market yourself effectively as a career-changer.

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2
votes
From time to time we’ve talked about how to make money online. And the fact is that anybody can earn money with an online business. I know many folks, for example, who not only make money blogging, but make enough to quit their regular jobs. So today I thought we’d look at 5 real-life [...]
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2
votes
Many career centers don't teach ethics. Below, I discuss how important ethical behavior in business is.
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5
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A judge on Monday refused to dismiss the state of Virginia's challenge to President Barack Obama's landmark healthcare law, a setback that will force his administration to mount a lengthy legal defense of the overhaul effort.

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8
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Students heading to college in the fall are now lining up their funding sources in anticipation of the tuition bills that come due in August. Many will be taking out student loans and a popular question is "which is better...

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8
votes
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9
votes
It is deplorable to partake in any kind of bullying behaviour in Australia. However, although most organisations have policies and procedures on defining, acknowledging and dealing with bullying, the reality is that much of it goes unobserved.
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1
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With today's poor economic environment and the recent credit crunch, commercial banks have tightened their purse and are more reluctant to extend loans to would be entrepreneurs to start their own business. As a result, many have given up their dreams of becoming financially independent and instead rely on unemployment benefits and handouts from the government.
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1
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I was walking around a street market in Beijing, China. I was completely mesmerized by the colors, sounds and scents surrounding me. Everything was so vibrant and loud and packed with stuff, stuff that was different than anything I’d ever seen in the West. And the prices! For someone who comes from the West, prices [...]
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7
votes
Ethics plays a very vital role to anyone who is engaged in business but many would overlook its importance and the very fact that it has a great impact on an individual's success as an investor and entrepreneur. Usually, negative and unconstructive connotations are associated with marketing.
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4
votes
You have a passion, and you’re sure you can make money on it. Maybe you make macramé potholders. Maybe you perform custom guitar repair, or build ukuleles painted with the patterns of sunsets. Whatever it is, you’re sure that you can move product if you can connect with customers who might value your product. In [...]
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1
votes
Every year, the Tax Foundation points to a day in April and proclaims it Tax Freedom Day. It’s the day after which you have effectively earned enough to cover your tax liabilities for the year. For 2010, that day was April 9th. In 2009, it was April 8th. The idea is that, based on what [...]



Calculate Your Monthly Freedom Day from personal finance blog Bargaineering.com.

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2
votes
Global economic crises and increasing pressure to compete on an international level are forcing both public and private sector organizations to identify new ways to manage their supply chains and procurement processes. Global strategic sourcing is one strategy that is being adopted by organizations worldwide to drive cost savings of 50% or more in all areas of the supply chain.
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6
votes

President Barack Obama addresses employees at the Chrysler's Jefferson North Assembly Plant in Detroit, Friday, July 30, 2010. (AP Photo/Carlos Osorio)AP - President Barack Obama is going after Senate Republicans who have stymied his proposal to create a $30 billion fund to help unfreeze lending for credit-starved small bu...

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3
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Is a little common sense too much to ask from the do-gooder set? With foreclosure rates spiraling out of control, it would seem an odd time for the federal government and various state housing authorities to be promoting zero-down mortgages....

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8
votes
Emergency situations often catch people off guard and leave them feeling devastated.  From financial difficulties incurred from a layoff or an unforeseen medical expense to fires and natural disasters, one thing is certain.  Without a rock solid back-up plan, the chances of your family weathering a storm are next to zero. So, what do you [...]

About the Author: Jeremy is a retirement planning specialist and founder of Generation X Finance and the guide to Financial Planning at About.com. To learn more,

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0
votes
AP - The Defense Department says that only about a quarter of the troops sent a survey on gays in the military have responded.
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3
votes

The New York Times reveals a fact we'll be you never knew: Every year, Mount Sinai Medical School, a top med school located in New York City, admits a few lucky students who neither have hard-science backgrounds nor have taken the MCAT.

Mount Sinai's Humanities and Medicine Program guarantees spots to about 35 college sophomores or juniors each year, just so long as they maintain a 3.5 GPA and agree to major in the humanities or social sciences, and not the traditional pre-med majors.

The humanities students at Mount Sinai need to take basic biology and chemistr...

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3
votes
Another stormy summer day in Washington, another high-profile lawsuit from the Securities and Exchange Commission — this one against Citigroup and former senior executives of the company. Once again, it’s about disclosure, and the agency’s press release puts it succinctly: “Citigroup repeatedly made misleading statements in earnings calls and public filings about the extent of [...]
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5
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We kicked off July in China, with my interview with Wokai founder Casey Wilson: One interesting challenge that we navigate on a daily basis operating in China is the regulatory landscape. Microfinance was late to develop in China, only starting in 1994, in contrast to 1976 in Bangladesh. Regulations prohibit MFIs from accessing debt and equity [...]
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3
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Filed under: , , ,

retail earningsAs the earnings season begins to wind down, retail earnings move into the spotlight. Already, JCPenney (

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8
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I do my best to cover a variety of topics here at Get Rich Slowly. Personal finance is a v-a-s-t topic, and there’s a lot of specialized knowledge. But there’s no question I have blind spots. Because Kris and I have no kids, I don’t write much about children and money. Student loans are another blind spot for me. Still, I know a lot of GRS readers have questions about student loans. You folks e-mail me all the time with questions I can’t answer. But I finally realized that instead of ignoring your queries, I should put a few of them out for reader comment. For example, Megan recently wrote looking for advice on coping with student-loan debt. Here’s her story: I got m...
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4
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The grass is always greener… Keeping up with the Joneses… Shall I go on? It seems like our society is always after the latest and the greatest, the biggest and the best. As a result, we dig deeper and deeper into our pockets to afford it. But why? Is it really better? Is it really [...]

Original Post on The Sun's Financial Diary

Special bonus offers

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2
votes
PhD Scholarship,University of Copenhagen, Denmark Job Description: The Faculty of Pharmaceutical Sciences, University of Copenhagen is pleased to announce that eight PhD fellowships will be available from 1 October 2010 or as soon as possible thereafter. Applications are invited for the three-year fellowships from candidates that hold or expect to hold a master´s degree in [...]
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2
votes
University Entrance Scholarships 2011, University of Otago, New Zealand Applications are now open for scholarships for students entering their first year of study at the University of Otago in 2011. The University offers four main entrance scholarships. Leaders of Tomorrow Scholarships for students who display all-round potential and leadership ability; M?ori and Pacific Island Scholarships [...]
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5
votes

FILE - In this Aug. 4, 2008 file photo, Sen. Ted Stevens, R-Alaska, speaks in Anchorage, Alaska, announcing that he is running for re-election. Stevens was believed to be aboard a plane that crashed amid southwest Alaska's remote mountains and lakes, authorities said Tuesday, Aug. 10, 2010. (AP Photo/Al Grillo, File)AP - A single...

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6
votes
When it comes to the crème de la crème, Vogue and Condé Nast produce the fashion bibles, so it would come as no surprise that the annual Teen Vogue Fashion University is what young fashionistas consider the most important educational seminar of their pre-professional pursuits. Founded in October of 2006 the program hopes to educate 500 [...]
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5
votes
I wonder how often this sort of question has been asked - probably millions of times. The answer, of course, depends on the person whom you ask! If you are not careful, you can find that things get more confusing as you proceed; I bet that, at times, you have even felt sorry that you ever dared to ask the question in the first place!
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8
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We’ve come a long way in just a few years. Not long ago banking consisted of having a local branch that you used and the idea of mobile banking was to use an ATM or your debit card. Then, we saw a flood of what were considered online banks hit the market in the past [...]

About the Author: Jeremy is a retirement planning specialist and founder of Generation X Finance and the guide to Financial Planning at About.com. To learn more, follow Jeremy on Twitter.

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6
votes
Sometimes being frugal is not enough to meet your financial obligations and goals and you’ll have to look for ways to earn some extra cash. Whether you’re a stay at home parent looking to supplement your family’s income, looking to pay down debt or establish an emergency fund or saving for a special purchase, here [...]
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4
votes
Cambodia is beginning to deal with the legacy of decades of civil war: soldiers and civilians maimed by landmines. By Akshan deAlwis Akshan deAlwis will be a freshman at Noble and Greenough School in the fall. I was nine...

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4
votes
This short piece in Tuesday’s Boston Globe, brings the “Annual scare the renters into paying more and getting less” article up to date. Here’s the summary: 1. Increasing foreclosures are reducing the vacancy rate. People who are losing their homes...

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4
votes

A check from Uncle Sam gets your attention, even if the money doesn't help that much with the bills.

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9
votes
Consumer debt decreased at an annual rate of 3.25% in the second quarter. Revolving credit (credit card debt) decreased at an annual rate of 9.5%, and nonrevolving credit (car loans…) was about unchanged. Revolving consumer debt now stands at $827 billion down $39 billion this year. That is on top of a $92 decline in [...]
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6
votes
There is a high demand for skilled professionals in the IT industry and finding these professionals is a tough task. IT based organisations prefer to contact IT recruitment agencies who can help them with the IT jobs and finding the suitable professional.
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6
votes
Postdoctoral Fellowship in International Water Management Institute, Ghana Job Description: If you have recently completed your PhD in economics or sanitation but have sound understanding of both, then this could be just the assignment for you. IWMI seeks the right person to analyze problems relating to human waste, as used in agriculture, then form policy [...]
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1
votes
Time and attendance software is complex because of wide array of components that revolves around it. What are these factors?
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8
votes
PC World - A global supply chain manager for Apple has been arrested as a result of allegedly accepting more than $1 million in bribes and kickbacks. Apple's investigation focused on personal Web-based e-mail accounts on the accused manager's Apple-issued laptop, and provides valuable lessons for enforcing policies and protecting data.
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7
votes
The Economic Cycle Research Institute - referred to as the "ECRI" by anyone in the know on Wall Street - has correctly called every U.S. recession during the last 45 years.

To work its magic, theECRI charts the weekly changes in an index ofLeading Economic Indicators (WLI). Market professionals like myself very quietly use the same group of indicators to call market tops and bottoms. The indicators are so accurate in terms of what they have to say about the future that I refer to ECRI and the WLI as "The Prophet."

Given the Pro...
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5
votes
So what is your efficiency quotient? If it is high and over time your profitability (returned customers/sales) is high, then a high-five to you. If it your efficiency quotient high but does not garner repeat sales, your profitability over time (note the emphasis on "over time") will sag. You may feel you are efficient but in reality you are efficient only for you as a worker. It requires a shift in thinking and in managing your resources.
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1
votes
There are many reasons individuals decide to become an entrepreneur and start their own small business. Job dissatisfaction is a major component.
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10
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Whenever I write about personal-finance programs, there’s always a large contingent of GRS readers who chime in to say they prefer the do-it-yourself method. Rather than go with pre-packaged money-management software like Quicken or Mint, they prefer to track their accounts with a home-brewed spreadsheet. (In fact, my wife is one of these folks, too.) I’ve shared a variety of personal-finance spreadsheets in the past. Some of my favorites are produced by Jon Wittwer of Vertex42.com, a website that specializes in Excel templates, calendars, calculators, and spreadsheets. The Vertex42 debt snowball calculator, for example, is an outstanding tool for those who are working to pay off thei...
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4
votes
TradeKing, one of the best online discount brokers has launched a $50 cash bonus for customers that sign-up for a new TradeKing account.  If you recognize this promotion, it’s because TradeKing did the same thing last year and received such a great response, they’ve decided to do it again. In order to qualify for the $50 [...]
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8
votes

Filed under: , ,

Aggressive mergers have boosted Oracle's (ORCL) shareholder returns over the years. Now it looks like IBM (IBM) want...

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4
votes

Gov. Jennifer Granholm plans to lay out a revised spending plan for lawmakers Wednesday.

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2
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Erasmus Mundus Partnership JOSYLEEN: Fully funded scholarships for students and university staff in Jordan, Syria, Lebanon and the EU! EMP JOSYLEEN (Erasmus Mundus Partnership JOrdan SYria LEbanon Europe Network) is an institution-based scholarship programme organized by 20 prestigious universities in Europe, Jordan, Syria and Lebanon. The JOSYLEEN scholarships are awarded to students on undergraduate, masters, [...]
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5
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Number of the Week: Default Repercussions Over the past couple years, millions of Americans have reneged on their debts — because they lost their jobs, because they took on more than they could handle, or both. For many, those defaults have brought immediate financial relief, leaving more cash to spend on other things. Now, though, [...]
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3
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Macworld.com - If you're thinking about taking your Mac gaming to the next level, Logitech has announced three new gaming peripherals that could give you a competitive edge in the online playing field. The Logitech Wireless Gaming Headset G930, Wireless Gaming Mouse G700, and Gaming Keyboard G510 are aimed at gamers who want more features and better performance than standard peripherals offer.
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7
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WeÂ’ve been troubled by too much water this spring. We had two floods, a water line break, and then summer flash flooding. WeÂ’ve had a lot of water in the wrong place this year. But, landlords complain about water in...

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3
votes

Owners of limited liability companies, large and small, call your accountants. Remind them the state had an LLC tax on the books for a year and you may still owe.

Source: Law News
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8
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AP - THE LATEST CONCERNS: Foreign governments including India and the United Arab Emirates are uneasy about the encryption technology behind BlackBerry's corporate e-mail service.
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0
votes

Along with the deterioration of the economy came a huge boom in b-school applications. According to a Businessweek article yesterday, "Business School Applications Sputter," that two-year boom now appears to be softening.

Top MBA programs in the U.S., including Wharton and UC Berkeley Haas, have reported that they received either an equal or lower number of applications in 2010 than in 2009.

The BW article cites GMAC data and reports that "in past recessions, application volume increased as applicants sought refuge from the troubled economy in business school,...

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3
votes
Ron Griess (The Chart Store) looks at the longer term market cycles of the last century. He divides them into 5 sections, 3 bears and 2 bulls. The table breaking the periods down further is after the jump . . . > click for larger graph
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7
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One of the issues that can get in the way of a solid financial future is ignorance of your own motivations. Many of us are not used to self examination, especially when it comes to finances. This is because we often think of our money as something that comes in, and then is saved and [...]
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9
votes
Outsourcing is very famous word nowadays when you consider outsourcing accounting so you get more benefits like time saving, cost effective and time bound services. There are different companies which give outsourced accounting services.
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1
votes
Business process outsourcing companies offer complete outsourcing solutions. These processes can include claims processing, payroll outsourcing, and call center outsourcing.
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1
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While on vacation, my father-in-law recounted a funny story about Junior Johnson. Junior is one of four original NASCAR Hall of Fame Inductees, and most known to be an unrepentant moon-shiner with a very colorful past.
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6
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Many business owners are a little wary about using software outsourcing websites in order to delegate their work as they oftentimes, are not entirely confident as to what to do in order to ensure that their outsourcing experience is a happy and productive one. Some of the issues to consider are as follows. Communication Providing clear, explicit instructions to the freelancer will ensure that the project does not get unduly delayed or derailed due to a lack of understanding as to the requirements of the task.
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3
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Renter Nation by Gene Epstein From now through 2015, the long slog that will unfortunately characterize the economic expansion will bring slow growth in jobs and wages. That pace of improvement should be just strong enough to permit new households to form, but not robust enough for the members of those households to afford to [...]
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3
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Undergraduate Fellowships,Research,Pembroke Center for Teaching and Research on Women, Brown University, USA Job Description: The Pembroke Center invites undergraduate students to submit proposals for participation as Fellows in the 2011-12 Pembroke Seminar, “The Question of Consent.” Selected students will receive a stipend of $1,000 for two semesters of participation. Undergraduates who will be in their [...]
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2
votes
The Department of Science and Technology (DST) in partnership with the National Research Foundation (NRF) introduced Bursary Scheme  for the provision of financial support to students at Honours, Masters and Doctoral study levels. Job Description: The scheme seeks to address blockages (including low retention and throughput rates) in the Science, Engineering and Technology (SET) human [...]
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6
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Are you facing the financial burden of back to school and in need of cheap textbooks? Let us, along with Follett, help ease the pain with a $100 gift card. Comment below and tell us why you need this $100 Follett gift card. “Poor college student” isn’t going to cut it, because let’s face it, [...]
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2
votes
Business ethics are continually being bombarded. Just read the newspaper or listen to TV or radio. Now with social media that challenge is being faced on a daily if not sometimes hourly basis. This leads to the question, "What does it take to walk the talk"?
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6
votes
The ability to accept credit cards is essential for any modern business. Without a heads up, the terminology and jargon associated with setting up credit card processing can be a real headache. This article offers a short primer on three essential facets of credit card processing: the merchant account, payment gateway, and payment processor.
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11
votes

In this Oct. 28, 2009 file photo, Rep. Maxine Waters, D-Calif., is seen on Capitol Hill in Washington.

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1
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In the last article, I briefly went over CMHC, mortgage life and term life insurance, lets continue with other insurance options that are out there. Universal/Whole Life Insurance This insurance option, I’ll admit, I’m not a fan of.  Although I don’t have direct experience with Universal or Whole Life insurance, I know that they are expensive.   With [...]
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2
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This is a guest post by travel enthusiast Matthew Kepnes. Europe is one of the most popular destinations for North Americans.  Yet even with the slide in the value of the Euro, it is still not a cheap destination. Cheaper than before but still not cheap. However, there are many ways to cut down the cost of [...]
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3
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Filed under:

As expected, the shares of Precision Castparts Corp (PCP), which I first discussed on April 20, 2009 at a price of $61.92, corrected earlier this year, in the spring, after rushing through $136, hence if you took some profits off the table at that juncture, it was p...
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4
votes
Be it east or west, customers have always been God of any enterprise and remain so. They are the root of our growth and prosperity. Companies are boasting of revenues and figures on their behalf.
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1
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During some of the toughest economic times the country has experienced since the Great Depression, Americans continue to struggle to make ends meet on a monthly basis. To keep up with the expenses, debt payments and bills, there are a variety of ways to earn a few hundred extra dollars on a monthly basis. Below [...]
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6
votes
PhD Research Fellowship in Network and Distributed Systems for International Students, University of Oslo, Norway. The Department of Informatics (IFI) is one of nine departments belonging to the Faculty of Mathematics and Natural Sciences at the University of Oslo. IFI is Norway’s largest university department for general education and research in Computer Science and related [...]
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7
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From the NYtimes.com Talking about government and computer programming most likely doesn’t evoke the feeling of “fun†for most Americans. But a group of Web geeks and technology leaders is trying to change that with a new nonprofit project, Code for America, which aims to import the efficiency of the Web into government infrastructures. The group, [...]
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4
votes
the Jacob K. Javits (JKJ) Fellowship Program awards fellowships to eligible students selected on the basis of demonstrated achievement, financial need, and exceptional promise, to undertake graduate study in specific fields in the arts, humanities, a...
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5
votes

Republicans are using their weekend address to accuse Democrats of pursuing an "extreme ideologically driven agenda" that threatens the nation's economic recovery.

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6
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Why do you need a bankruptcy lawyer? Because he or she does what you cannot. This guide tells you why.
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5
votes

On August 10, President Obama signed HR 1586 into law, which provides additional funding for education jobs and extends a temporary increase in the federal Medicaid matching rate through June 30, 2011.

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0
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Buying food in bulk and freezing for later is a common piece of money saving advice. In fact, I assumed that once we moved out of our tiny townhouse into our much larger house that I would be buying a huge freezer and fill it up with all kinds of goodies. After all we have [...]
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10
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A woman checks here mobile phone in Jakarta. Indonesia Thursday denied it was considering a ban on BlackBerry smartphone services in line with similar moves from the United Arab Emirates and Saudi Arabia, but did not rule out the option either.(AFP/File/Adek Berry)AFP - Indonesia Thursday denied it was considering a ban on BlackBerry smartphone services in line...

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7
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Business competition can be fierce in today's economy. Trying to land new customers costs more than keeping your current customers. So, how does a business keep their customers from seeking cheaper alternatives or going with your competition? There are many things you can do, but here are 10 ways that can help you keep your customers coming back and remain loyal to you.
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3
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reedsturt-katie.jpgThere still isn't much on the Web site to describe what Project 11 Ventures will do, aside from "invest in and assist early stage companies." The fledgling firm's Twitter account has so far had just two messages posted to it.

But I'm told the firm, founded by ex-Microsofties Reed ...

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2
votes

A $26 billion measure to help states and local school boards with their severe budget problems faces a make-or-break vote Wednesday as Senate Democrats try one last time to advance their faltering jobs agenda.

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7
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When you think of the proper time to buy someone a gift card, three occasions probably come to mind.  Whether it’s someones birthday, a holiday, or just a special day in someones life, (like a wedding or anniversary) gift cards can make a great gift, if you can find the perfect fit. Then there’s the other [...]
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7
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Happy Friday. It looks like most of the brutal heat and humidity has subsided somewhat across the country, so that means more of you are likely able to actually enjoy the outdoors this weekend. I know around here at least it’s been a huge improvement. Instead of being 95 degrees and incredibly humid it’s now [...]

About the Author: Jeremy is a retirement planning specialist and founder of Generation X Finance and the guide to Financial Planning at About.com. To learn more, follow Jeremy on...

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9
votes
Posted by East AFRITAC The IMF East Africa Regional Technical Assistance Center - East AFRITAC, based in Dar es Salaam, Tanzania, is urgently seeking a third Public Financial Management Advisor with experience in budget formulation, including medium-term fiscal and expenditure...
Source: PFM Blog
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4
votes
In this day and age where everybody is pressured to make money, it is hard to keep your integrity with you at all times. This is the reason why we should find a company who has the same principle we have. It is not just about the money
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7
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In this photo from July 27, 2010, Republican U.S. Senate candidate and Kansas Rep. Jerry Moran answers questions during a town hall meeting at the Veterans of Foreign Wars hall in Lenexa, Kan. (AP Photo/John Hanna)AP - The big issue in Kansas' U.S. Senate race is which of two veteran Republican congressmen will fight h...

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0
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It's unlikely the real estate downturn is going to put much of a halt on the transformation of downtown Boston. Sure, it will be a while before we see another Mandarin Oriental - but the last decade left us with...

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6
votes
It’s back to school time, and that means that many students are heading to college for the first time. This is an exciting time, but it is also one that requires some serious thought and planning. Even if you are living at home to save a little money, the fact of the matter is that [...]
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4
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The AT&T Universal Savings and Rewards Card was my very first credit card. I applied for it in my first week on campus at Carnegie Mellon University because I was offered a t-shirt, not because I was some credit savant building my credit history and carving out a good credit score. One of the great benefits [...]



AT&T Universal Rewards $50 Bonus from personal finance blog Bargaineering.com.

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4
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There are many things that come to mind when we think of the ideal person we'd like to get into business with. Learn about several qualities in people.
Discovered 2 weeks ago | 0 comments

10
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Earlier this month, I tweeted about a report issued by the Australian innovation consulting firm 2thinknow. They'd created a list of the world's 75 most innovative cities, and Boston topped it.

That tweet took off like wildfire — who doesn't like to be ranked #1, after all? It has continued to be re-tweeted over the course of a few weeks, with some people questioning the study's methodology, and others noting that it was almost a year old (I hadn't seen the report before, but on further inspection, the results were issued in July 2009...

Discovered 4 weeks ago | 0 comments

6
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Well, maybe not exactly tricky, but the whole process isn’t as straightforward as one would expect at least. I have an IRA account with Vanguard for years. The investments I have in that account until now are all Vanguard mutual funds and since I only buy Vanguard funds, it is pretty easy to buy, sell, [...]

Original Post on The Sun's Financial Diary

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Discovered 4 weeks ago | 0 comments

1
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(This is a guest article by Kyle Chezum*)

Home OwnershipCollege students often take home ownership as a fact of adult life — as something inevitable that will happen when it happens. But homeownership requires real effort, commitment, and responsibility, many college students aren't sure what steps to take to meet these requirements. The following ideas will help get you sta...
Discovered 2 weeks ago | 0 comments

3
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We all hear a lot about health-care inflation. We hear less about inflation in director compensation at health-care companies. Yet it seems to be very real at Hospira (HSP), the specialty pharmaceutical supplier to hospitals, clinics, nursing homes and other institutions. On June 16, Hospira’s board voted itself a decent pay raise: It increased its [...]
Discovered 4 weeks ago | 0 comments

0
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This is a column by regular contributor Clark If you had read Part 1 of the primer, you would have learned about the basics of bonds and their different types. Bonds offer a reasonable rate of return, though lesser than stocks, and provide protection against volatility. So, is an investor, willing to settle for lesser returns [...]
Discovered 3 weeks ago | 0 comments

4
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A friend recently took a new job that will require some travel. So he asked me for a recommendation on the best travel rewards credit card. While there are several top cards I’d recommend, high on the list was the Chase Sapphire Preferred Card.  For a limited time, new cardholders will earn 25,000 [...]
Discovered 4 weeks ago | 0 comments

7
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Payroll software has become an indispensable tool for businesses. There is a wide variety of payroll software companies that produce and distribute payroll. Here are some main differences between payroll software companies, so you can choose the right one for your business.
Discovered 2 weeks ago | 0 comments

7
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There is no shortage of International Courier companies in the United Kingdom. Many International Couriers offer the same services and service promises but how much can you rely on their marketing material.
Discovered 3 weeks ago | 0 comments

8
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Nevada U.S. Senate candidate Sharron Angle sees her campaign as a battle to stop Democrats in Washington who want to expand entitlement programs and "make government our God." In an interview with a Christian radio network, Angle describes her effort to oust Majority Leader Harry Reid as a religious calling in "a war of ideology, it's a war of ...

Discovered 4 weeks ago | 0 comments

2
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Keep all your bookmarks in one place, access them from your home, work, mobile or anywhere with an internet connection! Share your bookmarks with your friends Find new and interesting sites bookmarked by other members.

Discovered 2 weeks ago | 0 comments

6
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Unfortunately, sellers often ignore one very simple truth: The value of their business increases in direct proportion to the buyers' decrease in risk. I think this is a very important element of valuation and, as such, should be very well understood by those looking to sell or currently selling their businesses.
Discovered 2 weeks ago | 0 comments

8
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AP - Defense contractor Lockheed Martin Corp. received a contract worth about $309 million for work on the Army and Marine Corps' Javelin antitank missile program.
Discovered 3 weeks ago | 0 comments

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How old are you? Unless you’re under the age of 20 or 25, chances are you will not change. I don’t care how much willpower you think you have, the vast majority of people will not change their habits once they’ve become an adult. This is why the government created rules to prevent cigarette companies from [...]



Don’t Change Yourself, Change Your Financial System from personal finance blog Bargaineering.com.

Discovered 3 weeks ago | 0 comments

11
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(This is a guest article by Timothy Ng*)

Heading out to do some back-to-school shopping can really be a drain on the pocketbook if it is not done with a strategic plan in place. The retail shops are counting on the young ones to beg and plead with their parents for the newest and greatest school supplies.

There will be a lot of advertising and setups placed i...
Discovered 4 weeks ago | 0 comments

3
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SnookiI've been thinking about the whole Jersey Shore z...

Discovered 2 weeks ago | 0 comments

8
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Amazon’s 3rd-generation Kindle e-reader, set to be released on August 27th, had me worried for a little while. My gadget-y friends and I often wonder aloud about upcoming features and technology advances, and many of them assumed Amazon would try to make it more like an iPad. As a happy owner of a 2nd-generation Kindle, [...]

The Consumerism Commentary Podcast is in full swing with new episodes every Sunday. Listen and subscribe now!

Amazon Kindle, Chapter Three

Discovered 4 weeks ago | 0 comments

6
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Allergan logoDrug manufacturer Allergan, Inc. (

Discovered 4 weeks ago | 0 comments

8
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Caterpillar, Inc. (CAT) is hosting an analyst meeting in New York City on August 19. CAT August put option implied volatility is at 36, September is at 37, November is at 39; verses its 26-week average of 34 according to Track Data, suggestin...
Discovered 3 weeks ago | 0 comments

2
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Continuing Care Retirement Communities, or CCRCs, are retirement communities that are usually run by religious or other affinity groups. These organizations promise lifetime care on-premises. In a typical set-up, new residents may require little to no services and start out...

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Discovered 3 weeks ago | 0 comments

5
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Attorney Margaret-Ann Moran, from the firm Upton and Hatfield, found that releasing information about these graduates did not violate the Family Educational Rights and Privacy Act, or FERPA, which prohibits schools from disclosing student educational records or other personal information without parental consent.

Discovered 2 weeks ago | 0 comments

4
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Discovered 4 weeks ago | 0 comments

3
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In a blog post on this site yesterday, we noted that if Congressman Boehner really wants to end the stimulus, then he really wants thousands of Ohioans to lose their jobs.

In response, the Congressman was quoted as saying that our administration owed his constituents “…an explanation of how raising taxes on small businesses will do anything but further hinder job creation in Ohio and across the country.” 

Again, Congressman Boehner is confused.  So we thought we’d take him up on the invitation to explain to the people of Ohio who has been fighting ...

Discovered 2 weeks ago | 0 comments

4
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For many businesses, there are advantages to using an outside payroll service provider. To experience these benefits, employers must choose a service wisely and take the time to oversee their operations.
Discovered 2 weeks ago | 0 comments

0
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The month-long intensive certificate course at SUNY’s meat lab in Cobleskill, near Albany, teaches everything a student needs to know to run their own small meat-processing business.
Discovered 3 weeks ago | 0 comments

0
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