Archive for November, 2009

  • I Have No Idea What You Are Talking About!>
    I Have No Idea What You Are Talking About!
    If that’s your expression when you look at figures and terms scrolling on CNBC or any other business or finance news channel, this article is specifically designed to suit your needs. You would easily understand what the term ’52 week high’ denotes. However, since many years you might be wondering what a P/E ratio is or what do they mean by ‘market cap’, which definitely doesn’t mean a round cap for market to protect against scorching sun. Then what do the terms signify? Open The opening time to trade in American stock markets is 9.30 am EST and closing is 4.00 pm EST. The market is operative from Monday to Friday, closed on bank holidays and weekends. The price of any given stock at 9.30 am EST is known as an opening price or generally termed as ‘Open’. Trading is also done  [...]
    at November 30th, 2009 at 12:11 pm
  • Get The Strength To Say ‘No’ At Workplace>
    Get The Strength To Say ‘No’ At Workplace
    Notice each individual at your workplace and you will find they all live their lives in some way or the other. Some are proactive, some are lazy, some very boring, some commanding, distractive, talkative, and so on. However, all these individuals can be categorized under two general types. People in first category are those who permit themselves to go with the flow. Their life is generally influenced by other individuals like their parents, colleagues, seniors, soul mates, etc. Why do they live their life in such a manner? What do they lack? They lack something very significant which people in other category don’t. The strength of denying. The power to say ‘no’. The individuals in this category choose to complete the project instead of discussing how Jenny passed out last weekend. They  [...]
    at November 30th, 2009 at 01:11 am
  • A Is For Apple, B Is For Bat, C Is For Credit Score>
    A Is For Apple, B Is For Bat, C Is For Credit Score
    The education imparted to your kids in high schools and universities make them eligible to earn a decent income required for a living. They teach social science, world geography, physics, accounting, mathematics, and what not. However, is it enough to live a reverent life in America? What about the managing personal finance? What about maintaining credit scores? No, they don’t teach such practical subjects in their campus. A teen is left out in this cruel world of credit lenders who are lingering around to pound on such literate but uneducated victims. We then blame our kids, other teens, and the whole generation that is sinking in the enormous pool of debts. So what are you supposed to do? Keep paying their bills till you are completely bankrupt? No. The answer to this question is quite  [...]
    at November 29th, 2009 at 01:11 am
  • Know Your TV Local News Supplier Better!>
    Know Your TV Local News Supplier Better!
    I remember, in the late 1980s and 1990s people would sit glued to their television sets at 9 P.M. for listening to the local news on television. The news program was a big event in itself and people would be attracted by the immaculate presentation by the newsreaders and media reporters. After the radio, local news on television was a craze with people. But now the local news industry is suffering. Till a few years ago, a lot of people, young and old, would religiously watch local news because that was their only mode of accessing information about the world around them. But nowadays with news being available on internet, on mobile phones and modern electronic devices, local news has suffered decreased viewer ship. Even today your local news company will not tell you that they are not at the  [...]
    at November 28th, 2009 at 01:11 am
  • Rare And Effective Holiday Shopping Tips>
    Rare And Effective Holiday Shopping Tips
    In this holiday season, you’ll find lots of frugality geeks jabber about how best you can go about your holiday shopping with minimum expenditure. But, you might agree with me that many of these tips are not effective. Frugal spending is not only about cutting costs as most people advise. It’s about spending strategically too. Advice on the latter lines is rare to get and this is where you are going to get it. Base your holiday shopping on two essential mantras: Spend the shortest time possible on shopping Don’t ever manage to get a credit card overhead If you make a big purchase worth $1000-$2000 on your credit card and then payout the credit on minimum payment you are going to take ages to complete your repayment and by the time you repay, in all probability, a fresh loan is going  [...]
    at November 27th, 2009 at 01:11 am
  • Best Tips For Survival Of Entrepreneurs In Post Recession Period>
    Best Tips For Survival Of Entrepreneurs In Post Recession Period
    Hey all entrepreneurs, if Darwin would have been alive and seen this recession, he’d have surely come up with some infallible strategies for you to survive this bad economy. But alas we don’t have him around, so we’ve got to make our own strategies by carefully studying the market and planning tactfully. Today, many entrepreneurs are being hit by the problem of low sales and decreased credit.  The banks and other financial lenders are putting their foot backwards when it comes to extending a supportive hand to entrepreneurs. Also the recovery is being quite slow. So without life supporting apparatus can entrepreneurs swim across this financially recessional sea to safe shores?  As a result, most entrepreneurs are thinking of quitting their present businesses. What would you do? One  [...]
    at November 26th, 2009 at 01:11 am
  • Money Smartness And The Human Mind Connection>
    Money Smartness And The Human Mind Connection
    What does your frugality quotient show? Does it increase as you grow older? Or do you feel you’ve reached a point where your frugality has attained a steady level from which it refuses to nudge? Or do you think that you have reached the pinnacle of fiscal enlightenment and are sliding down the slope right now? Well, this is individualistic. Behavioral economist, David Laibson and associates have conducted a study and released a report on how the levels of monetary wisdom change with age. In their very interesting  paper “The Age of Reason: Financial Decisions over the Life-Cycle with Implications for Regulation” which is yet to be released, they say that though your experience and age help in increasing your fiscal wisdom till a certain stage of your biological growth, with oldage ,  [...]
    at November 25th, 2009 at 01:11 am
  • Will You Go For A Real Time Theft Protection Feature For Your Credit Card?>
    Will You Go For A Real Time Theft Protection Feature For Your Credit Card?
    Sometime ago the credit monitoring service was formed to track faulty crediting practices and now there is a real time theft monitoring that pledges to give theft protection to your credit cards but at the same time it works by accessing all your very private crediting information. So will you like to allow such access to your personal zone for getting extra security? The theft protection feature, which many credit card companies are pushing, involves real-time access to your very vital information. The Theft protection is ensured by tracking the PII (Personally Identifiable Information) of a credit card holder. The  credit card companies work with a third party database in tracking any activity that takes place involving a particular account number, social security number, date of birth and  [...]
    at November 24th, 2009 at 01:11 am
  • Unemployment Rates, Not Rising Stock Prices, Indicate Status Of Economic Recovery>
    Unemployment Rates, Not Rising Stock Prices, Indicate Status Of Economic Recovery
    Increased customer spending capacity, and rising stock market values might be indicative of a recovering economy, but many feel that unless the employment scenario improves in the US, you really cannot think that the recession is over. It is found that 70 % of Americans feel that the percentage of employment is the real indicator of economic recovery. Only 30 % feel that rising stock market values indicate a recuperating economy. Given the rise in the rate of unemployment in the recent months has made the percentage of unemployed people in the US around 9.8 percent, which is high, do you think the economy id really recovering? Investors need to be assured of profitable returns when making investments. The present unemployment scenario which is indicative of a still-vulnerable economy is hardly  [...]
    at November 23rd, 2009 at 01:11 am
  • Despite Soaring Prices, Now Is the Best Time To Buy Gold>
    Despite Soaring Prices, Now Is the Best Time To Buy Gold
    Gold ornaments are always a favorite with many women and these days, men too. People from all ethnic backgrounds and nationality invariably buy gold during festivals and special occasions. So it’s quite understandable if you’ve made plans to buy gold jewelry this festive season. But, as you may know already, the price of gold is rapidly increasing by the day and you’ve got to shell down a lot of money if you were to buy rings, necklaces, earrings, bracelets etc. As far as recent media news goes, the price of gold this year is up by 7 % and is expected to remain high for 26 % of the year. The increase in the price of gold is of interest to both investors and stock brokers, and also to the customers. The price variation in the cost of gold even for an ounce is going to impact the price  [...]
    at November 22nd, 2009 at 01:11 am