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.)
Student Loan Repayment Options In the first two days of the Student Loan Series, we covered whether college is worth the cost and the different types of student loans. Today we'll tackle student loan repayment methods. There are several ways of repaying student loans....
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...
Tips to Save Money on Your Student Loans The following is a post from staff writer Crystal at Budgeting in the Fun Stuff, where she writes about finding the balance between paying your bills, saving for your future, and budgeting for the fun stuff along the way. Student...
Technology in and for the Instrumental Music Classroom Music education, in some form, goes back as far as education itself. While sometimes struggling for legitimacy, it nonetheless has had its champions. More recently, as technology has flourished within education, technological applications designed specifically for the teaching of...
SpiritLine SpiritLine offers thousands of school spirit items, apparel, mascots, decorations, cheer and dance gear, and sports products. We also offer fundraising products, prom supplies and homecoming supplies. Our guaranteed quality merchandise is offered at competitive prices and always comes with...
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...
Gold Jumps: Has It Become Correlated To The Stock Market? I've been an avid collector of gold and silver coins and have been following the prices for a years. Gold is supposed to have a negative correlation with the stock market. This year has proved otherwise. Of course, as we've...
EasyClickTravel.com Vacation planning should be fun and easy, just like the vacation itself. EasyClickTravel.com is an online travel-discount superstore for bargain shoppers where thousands of great deals on hotels, vacation packages, cruises, flights and more are merely a few easy clicks...
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.
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...
Small Business 101: Limited Liability Company (Well, it's another week here at the Amateur Financier, and that can mean only one thing: another edition of Investing Small Business 101. This time we're going to expand on some of the information you got back in the Corporations...
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...
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...
Best of Money Carnival Welcome to the 17th edition of the Best of Money Carnival. The BoM Carnival gathers submissions from some of the best personal finance and investing bloggers on the web, and permits the hosting blogger the privilege of choosing his or...
Do You Have A Marketing Budget? [/caption] How to Plan Your Marketing Budget Every business must utilize marketing to sustain itself and make revenue. Your marketing budget becomes most effective when it is planned and tracked. One of the most important planning exercises you’ll do is...
Hybrid Electric Car Auto Insurance This post is a guest blog written by Travis Overby. With skyrocketing gas prices and the increasing concerns about the impact of carbon emissions on the environment, Hybrid Electric Cars have been growing in popularity. A hybrid electric vehicle combines...
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.
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...
Is It Time To Buy Cisco? Last week, search engine giant, Google (GOOG) jumped 15% in one day. About six weeks ago, I wrote a post stating that Google was undervalued by 33%, and worth buying at around $500 per share. Since then it's jumped to $600,...
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,...
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.
Hacking the Secrets of the "4-Hour Investor" Tim Ferriss, author of the New York Times bestseller, “The 4-Hour Workweek,” and more recently, “The 4-Hour Body” -- hardly cut an imposing figure when I chatted with him at a Manhattan party about three years ago. But that does not...
Myths of Hedge Funds WSJ has a great article about Myths of Hedge Funds.Myth #1: Hedge Funds are all the same. There are up to 25 different hedge-fund strategies which include funds invested in equity (both long and short), bankruptcies, mergers and acquisitions, high...
Bull and Bear Markets Consistently Appear in 16 Year Supercycle Intervals If you think the stock market doesn't behave in consistent (possibly predictable) boom and bust economic cycles, this graphic might change your mind. Going as far back as 1886, this chart indicates that bull markets and bear markets routinely plague our...
Turning Stone's Fourth Round Wrap Up It's been a pretty long time since we saw Matt Kuchar winning anything during the PGA Tour. It is because of this that we are not surprised he had a serious case of nerves when he ended up in a...
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