Many schools employ student labor for various purposes, such as partime help in the athletic department. Try to draw the supply curve and the demand curve for student labor in your school, so as to estimate the equilibrium wage rate for student help. (Hints: For the supply curve, survey your friends to try to determine how many hours per week they would be willing to work at various wage rates. For the demand side, determine or estimate the school budget for student help so as to calculate how many hours of student help could be bought at various wage rates. The equilibrium price will be a wage rate, while the equilibrium quantity will be the total number of hours of work purchased by the school.)
How Much Debt is Too Much? The average American is currently carrying at least some form of debt, even if it is small. We live in a society where overspending is common and credit card debt has become a right of passage. In many cases, you...
Student Athlete: Gretchen Ong Ho Name: Gretchen Ong Ho Birthday: April 19, 1990 Weight: 125 lbs Height: 5'7 College Team: Ateneo De Manila University Former Clubs: Immaculate Conception Academy (ICA) Girls Volleyball Team Current Club: ADMU Women's Volleyball Team Sports: Volleyball Position: center / open...
Kindergarten to College – Back to School Money Tips This post was written by Marie. Who wants to think about Back to School when we are mired in the dog days of summer? Not many - but by planning ahead now you might find ways to lessen the expenses...
Sunday Money Roundup - Stocks and Things Welcome to this week's edition of the SMR. Browse by category for your weekend reading material. What other categories would you like to see here? Let me know - leave a comment! College | Home: Kirberts says you can be...
eBags eBags is your source for thousands of handbags and purses from top designers and famous labels including Kathy Van Zeeland, Cole Haan, Fossil, and Big Buddha. Whether you want a trendy hobo handbag, an evening bag for your special occasion,...
Online Resources For Your Credit Report Questions Credit reports can be confusing to consumers trying to take a closer look at their financial situation. If you are unsure about how to get a free copy of your credit report (hint, it's not from FreeCreditReport.com!) or if you...
Emory Cove Emory Cove Marina is located in: Emeryville, CA Phone: 510.428.0505 Website: http://www.emerycove.com/ Slips: 430 About the Marina: Emory Cove Marina is located just one mile from the San Francisco Bay Bridge. It was built in 1984 and can be found...
Weight Loss Video Diary - Weeks 12 & 13: I'm Back [youtube]http://www.youtube.com/watch?v=M-XxgfGv-Y0[/youtube] This is my video for weeks 12 and 13. It was much of the same until I decide to end the negativity. The past few weeks have taken their toll on me and I'm over it. Enough is enough....
This idea is reinforced further by the fact that many directors serve on the boards of several companies, in what are called “interlocking directorships,” which tends to magnify their influence further. About one-quarter of Canadian corporate directors have significant “interlocking” connections, many of which are effected through Canada’s large and powerful chartered banks, as senior personnel from large corporations often serve on the boards of the banks and vice versa. There are different views concerning the significance of this so-called corporate business elite, with some observers feeling reassured by the stability and judgment that it provides, others seeing in it something threatening and sinister, and still others doubting whether its significance with respect to the actual operational decisions of Canada’s major corporations is as great as is often supposed.
Regardless of which of these views is the more accurate, it can be said in conclusion that large corporations play a very important role in the Canadian economy, even greater relatively to the size of the economy than in the USA, and that in these large corporations, control is often separated from ownership. Widespread small shareholders are not in a position to exercise active control. As a result, control tends to shift, depending on the circumstances, to the top management of the corporation or to the groups of influential members of the Board of Directors. Generally, neither top managers nor directors are major shareholders in their corporation; their claim to control over the corporation is based on their expertise rather than on ownership.
Strategies and Tools for Corporate Blogging by John Cass Most people have a pretty firm grasp on why we need to blog, but knowing how to blog effectively is a completely different story all together. "Strategies and Tools for Corporate Blogging" creates a comprehensive approach to the development of...
Separation of Church & State vs. Separation of Corporate Interests & American Politics A very thought provoking interview with Chris Whalen at King World News today on fraudclosure, mortgage backed securities, the multi-trillion dollar oopsie that is the herpes infected U.S. real estate market, and the realization that corporatism (e.g. multinational corporations effectively...
How to Pick Different Categories for Your Corporate Blog If you have decided to create your own corporate blog, one of the first things that you may be trying to figure out is what categories to create. Categories allow you to tag and file your blog entries, and they...
Which Type of Hunting is Right for You? Camping, fishing and hunting are popular outdoor sports. What makes someone want to do any of those instead of just taking a hike through the woods and going home, or taking a stroll through a field to do some bird...
Are you in control of your financial future? This checklist can help ensure you are in the driver’s seat.
Cash flow needs
Establish a budget to track income and expenses to uncover any potential surplus for investment.
Where you have cash flow shortfalls, review discretionary expenses and determine areas where you can cut back.
Establish an emergency fund or approximately three month’s worth of expenses. Or, establish a personal line of credit.
Take advantage of any pre-payment options on your mortgage.
Estate needs
Review your Wills and Powers of Attorney once every three years (or more frequently if appropriate) to ensure your estate will be distributed according to your wishes.
Prepare Powers of Attorney (both General and for Personal Care).
Review beneficiary designations on RRSPs, RRIFs, and life insurance policies.
Insurance needs
Review your level of life insurance coverage to ensure that your family will be taken care of in the event of your death.
Review your disability insurance – is it adequate?
Ensure that coverage for your home, dwelling, and contents reflect their true replacement value.
Retirement needs
Review and update your retirement plan to ensure that you stay on track to realizing your retirement goals.
How to Find Cheaper Auto Insurance If you have a car that you want to use on the road, then auto insurance is just one of things that you have to pay for, and it's not cheap. The amount you pay for your auto insurance varies...
Needs and Wants in Household Budgeting How much money do you honestly believe that companies are spending on advertising every single year? Sadly, the answer is more than one hundred and fifty billion dollars every single year. The purpose behind all of this spending is to...
Lack of Income Plan Leads to Early Retirement Failure It is sad to read about boomers who jump at the chance to retire early and are then told by a personal finance professional that for them, their decision to retire "early" actually meant "too soon." That is the case...
Why Be A Buyer Of Structured Settlement Annuity Payments? Why be a buyer of structured settlement annuity payments? This is a question investors often ask. These are a specialized product designed to compensate an injured person over a period of years or for as long as he or she...
Flexible. Patient. Sensitive. Those might sound like adjectives from a Match.com listing, but they’re terms Morning star analyst Dan Lefkovitz uses to describe Artisan International fund manager Mark Yockey. Yockey, who has helmed the portfolio since 1996, has made a name for himself by finding longterm growth stories across developed and emerging markets. He closely studies global trends like demographic changes, infrastructure development, increasing privatization, and the surge in outsourcing to unearth catalysts that could spark corporate earnings growth or high levels of free cash flow. At the same time, Yockey is sensitive to valuations, using a variety of metrics to make sure he’s not overpaying.
Those themes and price concerns result in a portfolio of some 90 stocks based anywhere from Canada to Qatar. (European stocks make up roughly 60% of the fund; companies in emerging markets account for about 20%.) One recent addition: In the third quarter of this year, Yockey picked up Spanish telecom leader Telefonica, which serves some 220 million customers in Europe. It was a call that paid off quickly: The stock has soared more than 40% since the beginning of July, helping the fund post an impressive 23% gain over the past 12 months.
With stock-picking successes like that, it’s no wonder the fund has gained more than 15% a year over the past decade, whipping the MSCI EAFE foreign index by six percentage points. That makes Artisan International a real world-beater – and puts Yockey well on his way to becoming an Old Master.
Investing 101: Mutual Funds (Welcome back! I hope you are ready for some learning, as we are going to cover the wonderful world of mutual funds. Hold onto your hats, it's going to be a wacky ride.) Q: What are mutual funds? A: Mutual...
Is The Stock Market Overpriced? The Dow has currently been up 24 out of the past 27 sessions. From what I've heard, this is a record. Its NEVER done this before!!!!And its not like the US economy is rock-solid. According to Chuck Butler of Everbank.com,...
Mutual Funds 101 One way that investors can pool their money is mutual funds, which allows them to invest together in a variety of different stocks. Each of the participating investors is charged a percentage fee based on what they invest so that...
Buying and Selling Stocks 101 When it comes to investing in stocks, most people predominantly rely on mutual funds. Mutual funds are a type of professionally managed investment pool that allows you to cast your lot along with thousands of other investors at the same...
Finding a superior small-cap fund is no easy feat. Sifting through the thousands of burgeoning companies around the world is exhausting work for money managers. Those that do it well are often inundated with cash, forcing them to either eye larger targets or shut their doors to new money.
The Bridgeway Ultra-Small Company Market fund is the rare small wonder: a strong performer that’s responsibly run and still open to new cash. Bridgeway founder John Montgomery is known for his quantitative strategies, but this fund takes a different approach. Instead of actively screening for the next Microsoft or Google, it tracks an index of tiny stocks with market caps no bigger than the smallest 10% of companies on the New York Stock Exchange. Montgomery and his crew try to roughly mirror the index by owning some 550 of the 1,900 or so stocks it comprises.
At the same time, the fund’s managers avoid businesses that could blow up and hurt overall performance. (In the very-small-cap space, that adds more to the return than you might think,” says Montgomery.) The fund is also run with a strong emphasis on tax efficiency, and it boasts an extremely low expense ratio of 0.67%.
All this means that when the market for micro caps heats up, as it did for a seven-year stretch beginning in 2001, this fund really shines. Over the past five years it has posted annualized gains of 19%. Over ten years, it has averaged returns of nearly 15%, beating the Russell 2000 and 97% of the competition in its category. To be sure, those profits may be hard to sustain in coming years if investment trends start to favor large caps, as many suspect they will. But even if that happens, this fund makes for a smart way to sprinkle micro caps into any balanced portfolio.
Why You'll Never See Another George Soros (or Warren Buffett) Again No matter where you stand on the political spectrum, you can't deny that George Soros' investment track record has made him the equivalent of a .400 hitter in baseball. Yet, in a decade that has been lousy for all investors,...
What Is Mutual Fund Mutual funds are most popular and one of the best investments today. In numbers, there are 10,000 different funds with over $4 trillion in investments. So what's the reason behind its popularity? The very first reason is that because of...
There Are No Stock-Picking Geniuses I shake my head when someone writes about managed funds or picking individual stocks as a preferred way of investing. For every lucky home run investor or fund manager genius of the day, there is a genius has-been. This year's...
An Eight Ball Round Up First this week - Len Penzo takes out his Magic 8 Ball, and asks a series of questions about the economy in 2011. The success rate of the 2010 8-ball interview was 70%, so who am I to argue with...
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