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Monday
Nov 16,2009

What is a good software that protects against identity theft?
if you are looking for the best identity theft protection service, check out this site

http://best-identity-theft-protection.net

They provide the best service in usa, and you can get your 3 in 1 free credit report.

Hope this help,
Sorry - the best "software" is your own mind. Don't be giving out financial information over the internet or the phone. If you need a software package for a online merchandising - then you need to ask for that.

Do PhD Economists make good money?

  • Filed under: news
Monday
Nov 16,2009

Generally speaking, yes, but obviousy it depends on where you work.

At any large investment bank (JPMorgan, Goldman, BofA/Merrill), you'd be looking at a salary over $100k, and your bonus would be tied to firm-wide performance, as opposed to individual performance (because research economists and quants typically aren't revenue-generating positions like traders and bankers). The same is generally true for asset/investment management companies like mutual funds and wealth managers (PIMCO, Vanguard, BlackRock, Fidelity, etc.), though it maybe a little less than bulge-bracket banks. If you concentrate in financial management, you'd be especially competitive in the investment-management field. Keep in mind that unless you received your degree from a top-ranked program, it will be difficult to break into these companies.

According to the Bureau of Labor Statistics:
Median annual wage and salary earnings of economists were $77,010 in May 2006. The middle 50 percent earned between $55,740 and $103,500. The lowest 10 percent earned less than $42,280, and the highest 10 percent earned more than $136,550. The average annual salary for economists employed by the Federal Government was $94,098 a year in 2007.

For academic research positions and professorships, take a look at this source: http://bluwiki.com/go/Econjobmarket_offers

Monday
Nov 16,2009

right now I have a checkings, savings, and credit card with CITIbank. I also have a discover card should I consolidate my discover onto my CITIbank credit card?. My student loans are also with CITIbank also.

I'm just scared, they already own me, so what's the problem, right?
That is not a good idea.
If you get behind on one thing they can count that everything is past due. It is called a "dragnet" clause. If you get behind on your student loan then they can just take the money out of your checking account. If you wrote a check for the discover card and they take money out of your checking account then the check can bounce and then you would also be considered late with discover. Can you say fee's.
If you can move your checking and savings out of Citi it will make is much more secure for you.
I think consolidating your bills into one will not hurt you specially if you are already behind on payments and over the limit. If you consolidate your bills into one payment that is sent by an agency they send the payment monthly on time and that helps your credit. Of course you can't get more credit cards while on this program. If you go to a bank and obtain a loan to consolidate your bills, this is good also because you can ask them to help you send the payment to your creditors to pay off your accounts with them and then you just pay one payment to the bank. Talk to your bank. But consolidating your bills I think would be a good idea.

Monday
Nov 16,2009

Does anyone know where i can get a cheap real estate investing website with good designs?
You can get a good website at http://www.realestateinvestorswebsites.net. They have over 120 real estate investing designs

Monday
Nov 16,2009

I was looking for auto insurance in Glen Allen and I found Mike Spruill at MetLife Auto and Home; he's a nice guy to work with and the rates were very competitive.

I have a offer a good offer ?

  • Filed under: news
Monday
Nov 16,2009

i started a coffee shop 6 months back which was not so good now i have been appoached by a big coffee shop barista they ask the place for rent for 9 years renewable every 6 months is it good to lease a big company or just run it on my own?
hey dear i m also having hotels and coffee bar and canteen,
some company ask me for my place on lease. but i denied.

now if u love ur shop then don't give up dear just grow it.

if u r having any problem regarding ur shop then i can help u.
u also can earn more then big company like barista and all.

so if u need help then contact me on luvaddicted@ymail.com

good luck
you started some thing 6 months back. Did you do the complete feasibility study?
Is the locality having a good food traffic and Coffee lovers?
If the lease is better than your net profit for more years to come ,it is better to lease it to them
But everything in writing.with the consultation of an efficient lawyer?
Is there any guarantee they will continue for 9 years?
what will happen if they also think like you? what compensation will they give you if they stop
in the middle? It is good to lease and be happy to receive regular payments if you do not have the time and manpower and investment.wish you good luck
If you own this building this can be very good.. Most chains fix places up real nice and pay the taxes on the place..Commercial leases can be a challenge..I would certainly have an Attorney review the contract before signing it——I certainly don't like the idea of 9 years renewable every six months. If they want it for 9 years—then that's that…
9 years? Why not 10? Personally, I would try for a renewable ever year. Be sure to have an inflationary adjustments clause in the lease.
If you are going to rent the place out anyway, take the deal. If they bail on you, just rerent it

Monday
Nov 16,2009

Will my sell order be filled before his even if a week from now?
I am assuming that your sell order is not a market order, or you would not be specifying GTC. The order will execute when the price per share reaches the price that you specified. For example: If you own shares of a stock currently valued at $20.00 per share and you specify selling at $21.00, it will not sell until the BID price is $21.00. You have no way of knowing when or even if the price will reach $21.00, so you cannot know when the order will execute. You also don't know if the order will "fill", since there may not be sufficient orders available to purchase the entire amount that you have offered.
Yup, during normal trading hours.

If your oder goes through you have just shorted that stock, and then you have to buy it back.
/
Yeah it is just like it says "Good till canceled", Are you trying to put a stop loss on it? cause it will be good for as long as you want.

Monday
Nov 16,2009

Im doing this stock market game for school, and I was wondering, is exon a good stock to have for a quick buck?
I had a similar thing at my school and in hindsight think it was a really stupid thing to have students do. I think it reinforces the idea that the stock market is some kind of casino. I think time could be better spent learning how to evaluate companies, manage finances etc.

Okay, I will get off my soapbox now.

My recommendation would be to look for a small cap stock (small company) (not Exxon) because it typically takes a bit for a company like that to move. Small companies typically fluctuate a bit more. As far Exxon goes, I think it is probably a good long term investment-but, I haven't looked into that company too much.
dude if you looking to yahoo answers for stock tips??? put your money in a mattress.

oh, okay, its for a game. In that case:

Blue chip stocks don't go up quickly. The only way to get high return fast is with high risk. Look at penny stocks. They fluctuate wildly, so if you get lucky you can hit it big, but again, they are super risky. You're basically playing roulette.
It's both long term and short term . I had exxon stock for about 12 years . I can't complain . The short term if oil prices are fluctuating wildly you have to wait for a event to happen in the middle east again for exxon stock prices to rise up quickly
No ..conservative, lower volatility

Wat r some good tips of saving money ?

  • Filed under: news
Monday
Nov 16,2009

i really want to save money but i just cant control myself if i see somthing good than i hav to get it and i dont even no how to get the money in the first place so can u guys please help me thanx:)
First, I'm sure you've heard this before, get a budget.
Try saving the money before you can touch it ( like directly to a credit union)
start with a small manageable amount, and later increase.
Or try an internet account like ING (it's not so easy or quick to get money out)
Big factor is to reduce operational expenses while maintaining or increasing
income (save the difference….or most of it).
Good luck, it CAN be done.
Find the nearest credit union and start up a club account. You can only put money in and not withdraw all year. It is actually a christmas club account and what they do is on the first of november everything that you have saved all year will be depositd into your account but if u still want to save it u can just deposit it back into the account and it wont be available for another year.
I know how hard it can be to save money. It's a great idea to put yourself on a budget and stick to it. Before you make a purchase, ask yourself if you really need the item. Wait a day or two before buying it to see if it's really something that you have to have. Check out the link below for great ways to budget and save money.
Just open a savings account and every time you get paid, treat it like a bill and pay it. My wife and I have been doing it for 37 years and it still works for us.

Monday
Nov 16,2009

I am 25 and have $3,000 invested in spy. I will sell it when it's stock price is $155 or more a share, than buy after the market crashes again. Your opinion? Etc?
I don't agree with your theory of selling at 155 and waiting for it to crash. SPY has reached around 155 twice and crashed, but the market rarely repeats itself a third time. I think you are depending on a coincidence occurring a third time. The two drops were not copies of each other, The second was a deeper drop than the first.

You may find the SPY has a crash before 155, or you may find that it keeps rising after it hits 155. You may get out, and find that SPY never drops much below 155, so you perpeptual delay getting back in until SPY hits 300. SPY is based on the S&P 500 and over the long run (greater than 20 years) the S&P 500 has always gone UP. 30 years from now the S&P will be much higher than 155. I would recommend buying and holding SPY for the long run. Expecting it to crash right after hitting 155 is wishful thinking.
It is an acceptable way to invest long in the market, 500 stock diversification.
However I would sell as I expect a market decline, currently in a topping phase.

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