relationships-a-stock-market-game
Relationships - A Stock Market Game
Writen by Tom Tessin
You’ve moved out of your parent’s house and you’re finally on your way to financial freedom. There’s one thing you don’t have yet to complete your life goals. A relationship. Relationships are funny in way because every person you meet may like you, hate you, or have no idea what they think of you. That’s the beauty of dating. But after a while you soon realize that you can’t save money like your pals and you’re soon deeply in debt.
What a lot of people don’t realize is a relationship is an option in life. People may look at you differently if you don’t date but soon after awhile, you may notice a nice return on your money and little less stress on your life. I’m not saying to drop relationships completely but I’m trying to recommend that relationships are a temporary debt relief strategy.
Let’s take a scenario here and chart out the numbers. Say, you meet a partner and you decide to eat out three times within the week. You’re going to be the nice fellow and pay for all three. The dinners will average forty bucks a dish totaling out to be one hundred and twenty dollars. The next week, you get a phone call and that relationship is now over. If this pattern keeps going, that’s $6,240/year. After that full year, you’re still single, $6,240 poorer while the other man working on his career track and investments is now $6,240 richer.
Now, you’re probably getting the idea that I’m sexist. I’m not. When people get into debt, they try to see where the money is going. Credit cards, clothes they don’t need, and food. They don’t open their eyes and realize it’s on the worthless dates they go on week after week.
After all this, I’m sure you’re still thinking “Hey, I’m still going to date, money is not as important as love and I don’t want to be lonely my whole life.” That’s great, you have to have an optimistic view on your future and plan accordingly. While you still try to find that partner, you are going to have to write all your expenses down on paper and include “relationships” as one of them. This is of course, if you’re single and dating. If you’re married, you shouldn’t be reading this article anyways. Once you figure out your “relationship” budget, you will then be able to determine how much you can spend on movies, dinners, vacations, etc. This way, when the month ends and you look at your bank statement, you will be able to determine where the money has gone.
Of course, there are many other ways to save you money. Cutting back on your groceries, getting rid of the things you don’t need like satellite radio, cable television with the three hundred channels, or just eating at home.
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More of Tom Tessin’s articles can be found at http://www.gotalkmoney.com |
wire-transfers-the-easiest-way-to-send-money
Wire Transfers: The Easiest Way To Send Money
Writen by Jakob Jelling
In the past, if you wanted to send money electronically through a wire transfer you only had a few options available to you. You could go to your local bank to conduct the transfer, or you could use the services of a company such as Western Union. But nowadays more and more companies are set up to provide wire transfer services, especially online.
Companies such as PayPal, for example, allow almost anyone to send money worldwide through their website - and all you need is an e-mail address and a credit card. In addition, most local banks that provide online banking services now allow their patrons to send wire transfers through the Internet.
So what exactly is a wire transfer? Essentially, a wire transfer is the transfer of money from one bank account to another. The transfer is always conducted by a third party, such as a bank or a wire transfer service provider. Because the transaction is carried out electronically, the money is never physically seen or touched by the person who sends or receives the money.
Even with the advent of communications technology and alternative online banking services, however, most people prefer to carry out a wire transfer through the traditional route. This remains true for many reasons, but the main reason is that it is easier to trust a bank that has a well-known name and a physical presence outside of the web than a new company that operates almost exclusively over the Internet. And if you already have a bank account, a wire transfer is very easy to accomplish.
Usually all you have to do is contact your bank by phone or through the Internet. You must then provide the bank with the following information: name of the person or company to which you want to send money, as well as the routing number, account number, phone number and address of the recipient’s bank. The next step is to determine the amount of money you wish to transfer and when the transfer needs to be carried out. After the bank receives this information the wire transfer will go through. Some banks allow this to occur immediately if you’ve initiated the transaction online, while other institutions require that you phone or fax them before proceeding.
After you have sent the wire transfer, it is a good idea to confirm that the transfer has gone through. This is the only way you’ll know whether or not the intended recipient received the funds. You should make sure you have sufficient funds in your account as well, otherwise the transfer won’t go through. Also, find out what fees you will have to pay to make the transfer - this type of transaction is never free.
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About The Author Jakob Jelling is the founder of http://www.cashbazar.com. Visit his website for the latest on personal finance, debt elimination, budgeting, credit cards and real estate. |
Shifting Paradigms In Hormonal Therapy Of Breast Cancer
Until recently tamoxifen occupied the central stage in adjuvant (post operative) hormonal treatment of breast cancer. Tamoxifen has been the unchallenged hormonal therapy of choice for adjuvant treatment of early stage breast cancer for over two decades.
Things have changed now. A new group of hormonal drugs that has been introduced few years ago has almost replaced tamoxifen as the treatment of choice for early stage breast cancer. This new group of drugs known as aromatase inhibitors has been shown to be more effective than tamoxifen over and over again.
This new group of drugs however is not effective in premneopausal women who have been diagnosed with breast cancer. Tamoxifen still remains the hormonal treatment of choice for women with breast cancer who have hormone receptor positive early stage breast cancer.
This new group of drugs known as aromatase inhibitors acts by inhibiting an enzyme called aromatase, which is responsible for production of small amounts of estrogen in post-menopausal women. Estrogen production from the ovaries in premneopausal women is not depended on aromatase hormone, and that is the reason why this drug is not effective in premneopausal women.
Three drugs belonging to the group of aromatase inhibitors are currently FDA approved and available for treatment of breast cancer. These drugs are anastrozole (Arimidex), letrozole (Femara) and exemestane (Aromasin). All these are active drugs are generally considered to be equally effective.
Aromatase inhibitors may be useful even if a woman has already been started on tamoxifen. Aromatase inhibitors can be taken for five years after completion of five years of tamoxifen. A clinical trial (MA-17) has shown that if Femara is taken for another extra five years after completion of five years of treatment with tamoxifen, this would result in improved outcome. Other trials (ABCSG trial, ARNO trial 95, and ITA trial) have shown that it is beneficial to switch from tamoxifen to aromatase inhibitors after two to three years of treatment with tamoxifen.
Aromatase inhibitors have already shown to be superior to tamoxifen in the treatment of hormone receptor positive metastatic (cancer that has spread to distant organs) breast cancer. In this situation Femara is currently the drug of choice and tamoxifen have moved to second or third position as an option for hormonal therapy.
One thing is clear. The very foundation of tamoxifen as the hormonal treatment of choice is shaking and the aromatase inhibitors are here to stay.
Copyright © Medicineworld.org 2006
Scott William is the webmaster for Medicineworld.org a site dedicated to medical information. For more information regardings breast cancer please visit authors website.
[tags]breast cancer, hormone therapy, tamoxifen, arimidex, femara, aromasin, anastrazole, letrozole[/tags]
earning-money-the-key-to-survival-in-a-rich-mans-world
Earning Money - The Key to Survival in a Rich Man’s World
Writen by John Gibb
In the world we live in today, money is the lifeblood of society. It can bring you comfort and security, or lack of it can bring you strife and worry.
There are thousands of ways to earn money, but they are not for all people. Some are better suited towards being part of a larger structure such as a large business. There is a great amount of support available from being in a corporation and there is always the prospect of moving up the ladder. History is full of men and women who have started at the bottom rung and become millionaires later in life. Some people just don’t like having a boss. They would rather be unemployed than work in a white collar job, and so they tend more towards internet business, working from home, or running local events.
Depending on how business orientated your mind is, there is a wide field of options. If you can understand the fast paced, high stakes world of the stock market, then you can earn tremendous amounts of money buying and selling shares. If you have a more practical mind, then there are vast amounts of money available in labour such as steel work. If you are n empathic person then maybe social work would be right for you, helping people for a living.
Money controls our lives in the western world. People will kill for it, steal it and beg for it. However, without money, we would have a hard time, as it allows so much freedom. The crucial point of money is that it holds a value without having a second function. Trading by swapping items would be very difficult indeed.
We use banknotes and coins for most of our money. Banknotes are held as an imperfect form of money as they actually lose value on a very small scale, and it is technically not money but rather a promise to pay money. We increasingly use electronic money, i.e. wire transfers and internet transfers as this system is quick and does not require physical money. In any case earning money is the key to survival in the modern world, both a tool that liberates us and a chain that binds us.
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John Gibb is the owner of earn money guidance , For more information on earning money check out http://www.earn-money-guidance3k.info |
senior-scam-alert-7-business-directory-scams
Senior Scam Alert #7 Business Directory Scams!
Writen by Christine Silva
Welcome to the Senior Scam Alert, a column designed to inform seniors of scams and cons that are regularly committed against them. People over 65 are targeted for scams more than any other age group, and account for 56% of all fraud cases, even though they are only about 13% of the US population.
Seniors and small-business owners beware! Unscrupulous scammers send out hundreds of thousands of “fake bills” for business directory services and unordered merchandise! Most of the time, the scammers will call ahead, and get the name of an unsuspecting employee or homeowner. In the case of small businesses, scammers will pose as customers, claiming to want legitimate products or services. They will glean as much information about the business as possible, and then ask for the employee’s name.
The scammer then sends out an official-looking bill for directory services. The bill often contains the name, address, and business information. These scammers have no moralsthey prey on churches, small-businesses, non-profit organizations, seniors, and charitable groups.
According to the Federal Trade Commission (FTC), the nation’s largest consumer protection agency, businesses and churches lose millions of dollars every year paying for bogus directory listings. Most of the time, the directory is imaginary, and the bills are completely fraudulent.
If the business owner resists paying the phony bill, the scammers threaten legal action and collections. Even if the businesses receive a directory, it is usually worthlessa cheap printed “directory” with little real advertising value. If you pay for the listing, you will continue to receive phony bills, and you may even begin to receive new bills for even more phony services.
If you are subjected to harassment because of one of these scammers, contact the FTC immediately, and tell the scammers that you are contacting the FTC and the police. Usually, that will stop the harassment. File a formal compliant with the FTC online, and keep a record of the phony bills and the complaint.
Here are some tips to help protect you from this common scam:
1. Check all your bills carefully; do not pay anything that seems like a dishonest charge. If you don’t remember ordering something, contact the number on the bill, and check with employees. If it sounds like a “fake bill”, trust your judgment and contact the FTC. Do not pay the bill!
2. Train your staff; tell them to answer all telemarketing calls with a firm “no”. If a company is legitimate, ask for a catalog before agreeing to any purchases. And tell all vendors that they need to have an authorized purchase order before you will pay for anything. Purchase orders should come from the owner, the accountant, or a supervisor.
3. Treat unordered merchandise as a gift; if you receive unordered merchandise, don’t return it, and don’t pay for it. According to the FTC, “it’s illegal for a seller to send you bills for merchandise you didn’t order or ask you to send back the merchandise even if the seller offers to pay the shipping costs treat these items as a gift.”
4. Know your rights; telemarketers MUST identify themselves as such, and telemarketers are prohibited by law from misrepresenting themselves or their products.
5. Report all fraud; at http://www.ftc.gov, or talk to a consumer counselor at 1-877-FTC-HELP (1-877-382-4357). You can also report fraud at the Better Business Bureau, the state Attorney General, and the US Postal Inspection Service (http://www.usps.com/postalinspectors/).
Telemarketers are all subject to the FTC’s Telemarketing Sales’ Rule. This law prohibits telemarketers from making false statements, or using certain high-pressure sales tactics to entice businesses and consumers into purchasing phony merchandise or goods. Unfortunately, unscrupulous telemarketers use illegal tactics anyway, because they know that most consumers are ignorant of the law.
If you have not already done so, go online and register at the US Federal Trade Commission “Do Not Call” listing. The website is: https://www.donotcall.gov/. You may also call the toll-free number, 1-888-382-1222. Registration is completely free. After you register, you may also file a complaint online if you are harassed by a telemarketer. To file a complaint, your phone number must have been on the registry for 31 days. To file a complaint, you need the date you got the call, and either the name or telephone number of the company that called you. Write everything down.
Once again, always report fraud. The government cannot help you if you don’t report the crime– only “squeaky wheels” get grease!
Sources: Federal Trade Commission, Federal Do-Not-Call-Registry, The Financial Crimes Task Force of Southwestern Pennsylvania.
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Christine P Silva, BA, CRTP, lives in California with her husband, two children, and three spoiled cats. She earned her undergraduate degree from San Jose State University, and her advanced accounting certificate and California tax registration from Cosumnes River College. She is the founder of the Sacramento Volunteer Tax Preparation Clinic, a free service offering tax assistance to low income and Spanish-speaking taxpayers. |
government-grants-for-farmland-improvement
Government Grants For Farmland Improvement
Writen by Eric Morris
The government issues certain grants for land categories like historic areas, open spaces, natural areas and farmlands. These grants are meant for their preservation or reform. Agriculture is very deep-rooted in America, but the recent suburban upheaval has cost these lands dearly.
Lands are evaluated according to the quality of the soil and the status of the irrigation. Government funds are distributed to farmers to reform and preserve farmland as well as improve the infrastructure. They allow farmers to farm as they deem fit. The funds are also meant for improvements like irrigation, fencing and manure storage facilities.
Farmers can also develop land reform plans and implement them with the funds received. Some of the funds also have aid programs attached to them, which provide farmers with the kind of facilities and help that are needed to protect their land.
Most states also use the agricultural conservation easement as a common farmland protection method. This permits landowners to put a voluntary restriction on their land, which stops development or limits it to enable the land to preserve its natural resources. There are no minimum or maximum grant award levels for individual grants. Any amount can be available for farmland improvements, policy and planning combined.
Some of these programs include partnership developments with parties that are interested and can bring in enough resources for the implementation of the projects. The grants give more preference to such ventures. Applications for the distribution of funds are based on the amount of matching funds and similar services. It is also important to maintain all records pertaining to the grant until the state makes the final payment. This is required so that all information will be handy when the time comes to determine the total cost. A typical example of a farmland improvement grant is the California Farmland Conservancy program.
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Government Grants provides detailed information on Government Grants, Free Government Grants, Government Business Grants, Debt Relief Government Grants and more. Government Grants is affiliated with Federal Government Grants. |
know-your-financial-comfort-level
Know Your Financial Comfort Level
Writen by Tom Palange
Despite the high degree of discomfort discussing financial issues, asking for help before a financial crisis strikes will help you in the long run. In many societal circles, discussions about money are considered taboo. It is not generally appropriate to begin sentences with, “I hear that you and the Mrs. are having financial troubles”.
Credit counseling organizations have the opportunity to educate a wide variety of people through, both one on one counseling and public seminars. It is noticeable that socioeconomic boundaries are nearly non-existent when looking at the lack of financial knowledge and discipline. Just because an individual has a six-figure salary does not mean that they are more financially savvy than someone who makes less than thirty thousand per year is. In fact, in some instances it can be quite the opposite.
Credit counselors work with individuals who receive high paying salaries, yet have struggled for years trying to pull their finances together. Motivated by pride and the belief that someone with a graduate degree doesn’t need help managing money, these individuals can just as easily dig deeper into debt. Though this is not the theme across the board, it is prevalent in numerous situations. The lesson learned is that a financial crisis can come at all income levels. Learn the danger signs of a financial crisis before it strikes and know that you are not alone - there is financial education available.
This article has been brought to you by American Consumer Credit Counseling (ACCC). ACCC is a non-profit credit counseling and financial education agency that is committed to promoting financial literacy in its community and across the U.S. Log on to www.consumercredit.com for more information!
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American Consumer Credit Counseling |
buy-a-franchise-opportunity-or-start-a-new-business
Buy A Franchise Opportunity Or Start A New Business
Writen by Groshan Fabiola
When you decide that you are ready to start your own business, it is often difficult to decide if you should start a new business, or buy a franchise opportunity. Often, understanding exactly what will be required from you for both options will help you to make the right decision for you and your situation.
The first step is to know exactly what type of business you want to own. Of course you would choose a business that relates to your interests in some way, and you should take the education that you have into account as well. In some cases, if you have little or no business skill, this may strongly influence your decision to buy a franchise opportunity, since many franchise opportunities will teach you most of everything you need to know to run that particular business.
Once you know the type of business that you wish to own, the next step is to find out what franchise opportunities are available to you for that type of business. Once you know what franchise opportunities exist for your type of business, you should find out which of those are already operating in the area you wish to open your business in. In most cases, this will eliminate some franchising opportunities from your list. In order to find franchising opportunity information for the type of business that you wish to start, you can start by checking our Franchise Opportunity Directory.
Get all of the information that you can find about each franchising opportunity that is available to you for the type of business you wish to own. You will want to know what support and training is offered, all costs involved, what rights and responsibilities you have, and what rights and responsibilities the franchisor has. You should also find out how many franchises in each company close down each year - and why.
Whether you are starting a new business or buying a franchise opportunity, there are risks involved. It is important to know the advantages and disadvantages of each option.
The Advantages Of Starting A New Business:
* You don’t have to follow anyone else’s rules. You make your own rules.
* You don’t have to worry about the franchisor not renewing the agreement later.
* You don’t have to pay any royalty fees. When you have paid the money required to start your business and deduct your expenses, your profit is your profit.
* In many cases, you will have lower startup costs.
Disadvantages Of Starting A New Business:
* You are on your own. There really is no support.
* You have to know what you are doing. There won’t be anyone to offer you or your employees training.
* You have to build brand name recognition over a period of time, starting at zero recognition.
* You can choose your own suppliers for your inventory.
The Advantages of Buying A Franchise Opportunity:
* You will have a certain amount of training and support for you and your employees.
* You will have brand name recognition.
* You will have a guide for running your business that has already proven to be successful.
* You may have lower inventory prices, since most franchises have agreements with suppliers.
The Disadvantages of Buying A Franchise Opportunity:
* There will be rules that must be adhered to in regards to how you run your business.
* The franchisor can choose not to renew your franchise when the franchise agreement expires.
* In many cases, you will be required to use specific suppliers for your inventory.
* The startup costs are often higher that starting a new business, especially for big name brands.
There may be other advantages and disadvantages that are specific to the type of business that you wish to start. By examining the advantages and disadvantages of each option, knowing what your own personal situation is, determining what risks you are willing to take, and knowing what options are available to you, it is easier to decide which option is right for you.
© 2006 GlobalBX. All Rights Reserved.
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GlobalBX is a FREE business for sale listing exchange that provides a confidential forum to facilitate the buying and selling of businesses with thousands of businesses and franchises for sale as well as comprehensive business information for business buyers and sellers. Members can submit business, equipment and commercial real estate loans to hundreds of direct lenders for FREE. Resources include: Buyer & Seller’s Guides, Franchise Information, Business Loans, Message Boards, Newsletter, Business Brokers and Advisors. Find businesses for sale, franchises for sale, and business brokers at GlobalBX. Advertise your business for sale for FREE! Submit a business franchise or commercial loan, compare rates and contact multiple business lenders for FREE! |
amadeo-peter-giannini-the-worlds-bigger-banker-part-1-of-2
Amadeo Peter Giannini: The World’s Bigger Banker (Part 1 of 2)
Writen by Guido Crapanzano
This is the first part of the story of Amadeo Peter Giannini, an Italian emigrant who arrived in America still in his mother’s womb. Amadeo was born in 1870 in San Jos
balance-computation-methods-how-interest-is-calculated-on-your-bill
Balance Computation Methods: How Interest is calculated on Your Bill
Writen by Rachel Nava
When it comes to figuring out how the interest is calculated in your bill you are going to want to read the rates and charges section of the credit card company that you are through. There is more than one way for a credit card company to calculate your interest.
You may have to pay interest on an average daily balance. When you are paying on the average daily balance you are going, to be paying interest on what you complete balance for each month and averaged out with the amount of days that are in the month. There is times that this method could be an advantage for you if you are not one that charges a lot onto your credit card all the time.
You could have signed to an adjusted balance for your interest fees. With the adjusted balance you are pretty much not paying on the present charges for the billing cycle but you are going to be charge an interest rate for the previous balances that you have carried over.
You may be getting charged interest on a system called previous balance finances. With the previous balance, you are able to avoid any finance charges for any present charges if you pay on the balance before the end of there billing cycle. That is going to be a good advantage because if you are being paid in the middle of the billing cycle you will be able to pay the balance down as much as possible so you can avoid the high interest fees at the end of the month.
The only other way that credit card companies charge interest on the accounts is with the two-cycle balances. This is where the credit card company will charge you interest twice in the billing cycle so that you will end up paying more in the end if you are not careful on how they are charging you.
No matter what the credit cards method of calculating your interest you can always call the credit card company and ask for a description of how they are calculating the interest on your account, if you cannot figure it out your self, they are there to help you out with your questions. There is plenty of times that they credit card companies are even going to put the calculations on your bill each month so that you could have a little easier time figuring it out on your own.
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Rachel Nava recommends Find Credit Cards for finding an HSBC credit card. |
