This article is by staff writer Jeffrey Steele.
Personal finance gurus have long warned that we Americans have a nasty problem. We spend too much and save too little. Not only do we not look for the best savings accounts, or check on savings account rates, or seek high interest savings accounts, many of us don’t save at all.
But these big thinkers have struggled to come up with a one-word explanation for that miserable mismatch.
Pittsburgh-based Gene Natale, co-author with Matt Kabala of “The Missing Semester,” a book aimed at giving teens and young adults lessons in money management, has managed to put his finger on the one buzzword that explains why a nation once comprised of good little savers now turns out lots of debtors.
Before I divulge that one word, however, let me ask this: Is it sheer coincidence that during the same period that saw Americans junk the notion of saving, we as a nation became junkies of fast food?
Is there more than a serendipitous link between the assumption of debt and the consumption of burgers, onion rings, chicken nuggets, chalupas and sandwiches filled with paper-thin slices of faux roast beef?
And is it just a fluke that the only thing ballooning faster over the last few years than our pile of bills has been our waistlines, inflated by the unshakeable habit of grabbing our fast food fixes at the nearest drive-up window?
I don’t think any of these phenomena are mere happenstance. Inexpens
There are many fundamental things required to make a success of an online system designed for selling products and services to the public.
However, none can be considered to be more basic in terms of achieving success than being able to offer your customers the ability to pay online.
Customers’ requirements of an online merchant
Although discussions in this area are often couched in complex business language and intellectual structures, in reality the position is very simple.
From our own experience of shopping online, most of us know that there are certain fundamental things we look for when we are trying to buy something:
- comprehensive information about the products and services on offer;
- extensive high-quality images of the same – where appropriate;
- a description of issues relating to customer service , quality and at least some reference to the integrity of the provider;
- the ability to pull our requirements together easily and efficiently into some sort of final but comprehensive shopping basket – i.e. it ne
During the development of the Patient Protection and Affordable Care Act (ACA), there was a proposal to pay doctors to discuss end-of-life issues with their patients. Some compared this to having “death panels,” although the proposal never went beyond a discussion between a doctor and their patient. I thought that it would be useful to look at this issue from the perspective of the type of patient that I have dedicated my life to serving.
Daisy Smith was born in Oklahoma City during the 1918 influenza epidemic. She survived the Dust Bowl and the Great Depression. During World War II, she worked in a local factory funded by the U.S. Defense Department. She married a returning Veteran, and they had five children. Those five children would produce 15 grandchildren, 30 great-grandchildren, and most recently two great-great-grandchildren. Daisy was the matriarch of the family. She would always dress impeccably and was active in her local church. Daisy was widowed in 2000, and the family began noticing that her memory was declining. Today she lives in a nursing home, paid for by Medicaid, and does not recognize any of her family members.
Daisy’s health care needs are paid for by Medicare and Medicaid. A doctor or nurse practitioner sees her at least once a month. In or
About 26,000 businesses located in the Lone Star state will likely see tax savings in 2014 thanks to the new Texas franchise tax kicking in across the state this year.
Many Businesses Still Exempt From Texas Franchise Tax in 2014
The Austin American-Statesman and Austin Business Journal both report that the Texas franchise tax, also known as the Texas margins tax, which went into effect Jan. 1, will give businesses the opportunity to deduct $1 million from their gross receipts.
While changes surrounding the Texas franchise tax had been approved by the Texas Legislature in 2013, businesses located in Austin and other parts of the state with less than one million dollars in gross receipts are still exempt from the tax.
Almost one in four companies in the state that owed the same Texas margins tax in 2012 will see a tax savings this year, according to the state comptrollers office.
The Sensible Sentencing Trust is excited to announce the launch of the its new website www.sst.org.nz . The website also contains the recently updated Offender Database, where the general public can access information on convicted paedophiles, SST Launches New Website and Offender Databases
The Sensible Sentencing Trust is excited to announce the launch of the its new website . The website also contains the recently updated Offender Database, where the general public can access information on convicted paedophiles, serious violent offenders and sexual offenders.
The Sensible Sentencing Trust believes in an open and transparent Justice System. Unlike other countries, New Zealand does not have a government maintained system for the public to access criminal records. SST however, strongly believes that in order to protect the public and help keep offenders accountable for their criminal actions, an Offender Database is paramount.
“We have been gathering court and media information since 2001 to collate and publish two databases; one for Serious Violent Offenders and one for Paedophiles and Sexual Offenders,” Sensible Sentencing Trust CEO, Garth McVicar, says.
The updated database contains over 5000 criminal records with information on release conditions, previous convictions and more. The
One word to describe this mornings trading.Bouncy. The market was very erratic on the NQ, if you were trading it this morning, you know. We took 3 NQ trades with 2 of them losing in the morning session so we had to come back in the afternoon to recoverand we did just that. We took 1 trade on the NQ which was a winner and 2 REALLY nice ES trades that you can see on the charts below. Our morning session resulted in us being down $340.00. The afternoon session, we ended up making $455.00 on only 3 trades. We got back our loss + profited on the day. This is all from trading about an hour this morning and only 50 minutes this afternoon. Guys and gals, losing trades are going to happen and there is no holy grail out there. It is all about how you deal with the losing trades emotionally, staying disciplined and following the system rules. Obviously knowing what trade to take and what trade not to take is an important step in trading and recovering and we teach you all of this in the Power Trading Course.