Internet-ready TVs use your broadband connection to deliver dynamic content, whether it’s streaming video from Netflix, new music from Pandora, or a quick glance at today’s weather forecast.
Although there is overlap, each manufacturer offers a unique bundle of free or paid services, including streaming video and music, social networking apps, online photo galleries, news and financial updates, weather info, sports scores, and a variety of other smartphone-like applications.
Manufacturers continue to add new content to their offerings, keeping customers current through firmware updates, and making a bit of research a prudent step in your buying decision.
Learn more about Internet TVs, how they work, what services are offered by different manufacturers, and exactly what you’ll need to get started at our Internet TV 101 customer center.
(March 2011)
Experience original movie quality with the DMP-BD75 Blu-ray Disc Player.
New Stylish Interface
A stylish and simple menu design is achieved by using large menu icons and illustrations. Operation is also easier for the Blu-ray disc player, which features a simple menu, thanks to its one-click action, you simply place the remote control cursor onto the menu item that you want to choose, and the menu proceeds smoothly to the next screen. It’s easy, even for first-time users.
NETFLIX, CINEMANOW, VUDU Compatible
Enjoy streaming movies, shows, and other content.
Ultra Fast Booting Blu-ray Disc Player
After starting the player, the time it takes from launching the menu to playing a disc is much shorter than in conventional models. Starting and loading the disc from standby is also quick, for more comfortable movie viewing.
Organize your disc library and enjoy quick access to 400 Blu-ray Disc movies, DVDs, and CDs with the Sony BDP-CX960 MegaChanger. A user-friendly interface makes it easy to find the movie, TV show or CD you’re looking for by sorting and grouping title, genre, cast and more. The BDP-CX960 also features stunning Full HD 1080p quality in Blu-ray Disc technology and DVD upscaling to near HD quality.
Organize and play 400 Blu-ray Disc movies, DVDs, & CDs
Experience Full HD 1080p/24p video output
Quickly load rented movies through the rental slot
Converts DVD video to near HD quality via HDMI
Dolby TrueHD and dts-HD decoding/bitstream output up to 7.1 channels
The 8.9†screen on Kindle Fire HD features an incredible 1920×1200 HD display, and the highest resolution of any of our tablets. But a truly advanced HD experience doesn’t stop with just a high resolution screen. Kindle Fire HD delivers rich color and deep contrast from every angle, with an advanced polarizing filter and custom anti-glare technology. Our exclusive Dolby Digital Plus audio includes technology to adjust volume, create virtual surround sound, and deliver easier-to-understand dialogue in movies and TV shows. Kindle Fire HD also has the fastest Wi-Fi on any tablet an&# x64; ample storage for all your HD content.
Stunning 1920×1200 HD display with rich color and deep contrast from any viewing angle
Exclusive Dolby audio and dual stereo speakers for crisp, booming sound without distortion
Fastest Wi-Fi on a tablet – dual-antenna, dual-band Wi-Fi for 40% faster downloads and streaming
Over 22 million movies, TV shows, songs, magazines, books, audiobooks, and popular apps and games
The Samsung BDC5500-B Refurbished Blu-ray Player offers Internet@TV, which delivers the best of the web, straight to your HDTV, with downloadable widgets and apps like BLOCKBUSTER, Facebook, YouTube, Twitter, Flickr, Pandora and more. You can shop online, share pictures, catch up with friends and connect to a wide range of streaming digital content at the touch of a button. It is also wireless LAN ready (wireless LAN adaptor not included). Add to that AllShare, which enables content to be seamlessly streamed between DLNA devices, allowing yo&#x 75; to play files stored on your PC through your Blu-ray player.
Internet@TV
BD-Live (Profile 2.0), BONUSVIEW)
Wireless LAN-ready (Wireless LAN adaptor not included)
The Samsung BD-C8000 portable Blu-ray Player offers Internet@TV, which delivers the best of the web, straight to your HDTV, with downloadable widgets and apps like BLOCKBUSTER, Facebook, YouTube, Twitter, Flickr, Pandora and more. You can shop online, share pictures, catch up with friends and connect to a wide range of streaming digital content at the touch of a button. It also has wireless LAN built-in. Add to that AllShare, which enables content to be seamlessly streamed between DLNA devices, allowing you to play files stored on ; your PC.
High Definition Blue Ray DVD Player, with HDMI output,1.1 profile with Bonus view.HDMI output,1080P upconversion,progressive scan,HDMI 1.3 version support,deepcolor processing,Dobly Digital output.Dolby digital plus,Dolby true HD,DTS,DTS HD,LinearPCM. Advanced user interface,Vitual surround sound and Screen Saver.Parental Lock,Trilingual OSD,SD Memory Slot.
Full 1080p HD playback
Deep Color processing
Bonus View Profile 1.1 for picture-in-picture bonus features on compatible discs
Compatible with BD Video, BD-RE (Single/Dual), BD-R (Single/Dual), DVD Video, DVD-R/RW, CD-R/RW, Audio CD, DTS-CD, and HD JPEG Formats
Compatible with Dolby Digital, Dolby Digital Plus, Dolby Digital Lossless, Dolby TrueHD, DTS, DTS HD, and Linear PCM Audio Formats
Enjoy great web entertainment on your HDTV! Panasonic DMP-BD605K is compatible with the VIERA CAST function, you can access YouTube, Picasa, and other Internet sites from the special VIERA CAST screen. YouTube lets you watch the newest video clips, and Picasa lets you view web-based photos. You can also check weather and stock information on other sites.
SD Memory Card and USB Slot so you can share your pictures quickly and easily
Viera Cast for great web entertainment
Bonus HDMI Cable Included
Compatible with BD-Live 4 and Bonusview which enables you to connect directly to the Internet
Ultra Fast Booting Blu-ray Disc Player Manufacturer: Panasonic Manufacturer Part Number: DMP-BD75 Manufacturer Website Address: Brand Name: Panasonic Product Model: DMP-BD75 Product Name: DMP-BD75 Blu-ray Disc Player After starting the player, the time it takes from launching the menu to playing a disc is much shorter than in conventional models. Starting and loading the disc from standby is also quick, for more comfortable movie viewing.
New Stylish Interface A stylish and simple menu design is achieved by using large menu icons and illustrations. Operation is also easier for the Blu-ray Disc player, which features a simple menu, thanks to its one-click action, you simply place the remote control cursor onto the menu item that you want to choose, and the menu proceeds smoothly to the next screen. It’s easy, even for first-time users.
Product Type: Blu-ray Disc Player Number of Discs: 1 Media Formats: DVD+RW Media Formats: DVD-RW Media Formats: CD-RW Media Formats: BD-RE Dual-Layer Media Supported: Yes Features: BD-live Video Signal Format: NTSC Video Formats: BD Video Video Formats: DVD Video Video Formats: AVCHD Scan Format: 1080p Scanning Modes: Progressive Scan Sound System: Dolby TrueHD Sound System: Dolby Digital Plus Sound System: DTS HD Audio Formats: MP3 Audio Formats: CD-DA Digital to Analog Audio Converter: 24-bit – 192 kHz Image Formats:
Access online content wirelessly with the Samsung BD-P3600 Blu-Ray Player which is WiFi ready (wireless adaptor included). And PC streaming puts your computer’s media files at your command, on your HDTV. The Samsung BD-P3600 Blu-Ray Player takes Blu-ray Disc player entertainment to the next level upscaling your DVD collectiojn to 1080p.
Access online content wirelessly with the Samsung BD-P3600 Blu-Ray Player which is WiFi ready
PC streaming puts your computer’s media files at your command, on your HDTV
The Samsung BD-P3600 Blu-Ray Player takes Blu-ray Disc player entertainment to the next level upscaling your DVD collectiojn to 1080p
Best Small Business Credit Cards 2012 [9to5financial.blogspot.com]
Come Down To Me – Saving Jane READ: Okay, I’m going to try to get back into making videos. But this time I want to record my own footage on my computer, so, if you have any suggestions for song choices or TV/Game/Movie scenes to add, please message me! Thank You -Linnea NOTICE! I DO NOT OWN THESE PHOTOS, OR MUSIC! I DO NOT GET PROFIT OR BENEFIT FROM MAKING THIS SLIDESHOW! Goals: [x] 1000 views by my B-Day April 21st [x] 2000 views by Thanks Giving ’09
Saving Jane – Come Down To Me (Lyrics) I fell in love with this song and I noticed that no one has a video with lyrics. So here it is. Over 80000+ views! Thank you all so much! I do not own the audio for this video. It is the property of the respective owners. This video is for entertainment purposes only. Thank you.
Whether you have a small business with just one employee or over 100, it’s critical to track your your business expenses and keep them separate from your personal finances. Business credit cards help you do that, along with other perks like giving you some additional float time to pay off the balance, easy expense accounting and categorization, employee cards, business discounts, and my favorite: rewards and/or cash back. Here are the best small business charge and credit cards out there, I’ve included a few options depending on what best suits your needs.
The Chase Ink CashSM Business Card is a nice combination of upfront bonus and ongoing rewards utility. The sign-up bonus is up to $ 250 cash â€" $ 100 cash back bonus after your first purchase, plus an additional $ 150 after you spend $ 5,000 within the first 3 months. No annual fee. It’s a credit card with a 0% Introductory APR offer for 6 months on purchases and balance transfers. Here’s the cash back rewards:
5% cash back on the first $ 25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
2% cash back on the first $ 25,000 spent annually at gas stations and restaurants
1% cash back on all other card purchases with no limit to the amount you can earn
The Chase Ink BoldSM Business Card is a premium card with an improved upfront bonus and better rewards, but comes with an annual fee (waived the first year). The sign-up bonus is worth $ 500 cash or $ 625 towards travel â€" 25,000 after your first purchase, plus an additional 25,000 after you spend $ 10,000 in the first 3 months. You get that extra 25% towards any travel booked at their Ultimate Rewards travel portal with no blackouts or restrictions, and their prices aren’t any more expensive than at an Expedia or Travelocity-type site.
You get the same 5X and 2X reward categories as the Ink Cash, but again you have the improved travel redemption option and you can transfer points 1:1 to programs like United Airlines and Hyatt hotels. This is a charge card, so there is not interest and the spending limit is more flexible. The annual fee is %0 the first year, $ 95 after that. My recommendation would be to try it out for the first year, and see if the premium benefits are worth it for you. If not, you can downgrade to a no annual fee version.
The Business Gold Rewards Card® from American Express OPEN is a charge card for small businesses where you must pay off the balance each month and you get the famous AMEX perks like purchase price protection, extended product return protection, and AMEX extended warranty. Details here, below are the highlights:
Limited-time offer: 50,000 Membership Rewards points when you spend $ 5,000 in the first 3 months of Card membership. 50,000 MR points are very flexible. You could redeem for $ 500 in gift cards like Home Depot, Gap, Zappos, etc., 50,000 airline miles (even more during transfer bonus promotions), $ 500 towards airfare, and more.
Triple points on airfare. What makes this card different is that you can now earn 3X points on airfare as well as 2X points on advertising, shipping, and gas purchases on the first $ 100,000 of eligible purchases in each category each calendar year. Everything else earns 1 point per dollar spent.
The annual fee is $ 0 the first year, and $ 175 thereafter. This way you can try out the card for a year for free. Get unlimited Additional Gold Cards for an additional annual fee of $ 50 but this fee is also waived for the first year.
The Starwood Preferred Guest® Business Credit Card from American Express OPEN is the small business version of one of my favorite personal credit cards. The sign-up bonus is up to 25,000 Starpoints: 10,000 bonus Starpoints after your first purchase, and an additional 15,000 bonus Starpoints after you spend $ 5,000 in the first 6 months. $ 0 introductory annual fee for the first year, then $ 65. Star points from the Starwood Preferred Guest loyalty program are very flexible with multiple redemption options towards free hotel stays, frequent flier miles, and Amazon.com gift cards. I use them primarily for free hotel stays or topping up my miles accounts for awards, and actually value them at 2 cents a point or more.
The Capital One® SparkSM Cash Select card earns 1% cash back on all purchases, plus a 50% bonus on the cash back you earn every year with no annual fee. As long as your card is still open at the end of the year, that’s a total of 1.5% cash back. You can request the cash back as a credit on your account, or in the form of a check. In addition, it offers $ 0 Fraud Liability if your card is lost or stolen, as well as a year-end Summary to help you track business expenses.
The Capital One® SparkSM Cash card earns a whopping 2% cash back on ALL purchases. $ 0 intro annual fee for the first year, and $ 59 after that. This card is ideal for those business that make a large amount of purchases. You can request the cash back as a credit on your account, or in the form of a check. In addition, it offers an $ 0 Fraud Liability if your card is lost or stolen, as well as a year-end Summary to help you track business expenses.
FreedomPop: Free 4G Mobile Wireless Data, 500 MB Every Month [9to5financial.blogspot.com]
How to Transfer/Backup Voicemail from iPhone to Computer (Windows & Mac) Click the link below to get DiskAid 30% off with TechGeec: www.digidna.net —————————— Download the program here: www.digidna.net —————————— DiskAid transfers files to and from any app installed on the device. Most apps store data and documents within their own documents folder (located within the app’s main folder). DiskAid detects an app with file sharing enabled and displays the app’s icon in the Navigation pane (at the left of the Diskaid window, under ‘Applications’). By clicking the corresponding app i con, the document folders appears in DiskAid’s file browser and from there it is possible to copy existing documents and data files from the device to the computer and transfer documents from the computer to the device. For more information on DiskAid you can go here: www.digidna.net —————————— Visit the site: TechGeec.com Follow me Twitter.com —————————— Wallpaper: techgeec.com
FreedomPop: Free 4G Mobile Wireless Data, 500 MB Every Month
Here’s another potential way to cut those monthly expenses. FreedomPop is a start-up offering wireless 4G data service with a free basic plan including 500 megabytes data per month. You can earn more free data by referring your friends or doing things like product surveys or trials. No contracts, no cancellation fees, no ads. Otherwise, small overages will cost $ 0.02 per MB and bulk plans start from 1 GB for $ 10 per month. More details:
4G Coverage details. The service is currently based on being an MVNO of the Clearwire WiMAX 4G network which has a coverage area of about 1/3rd of the US. There are stated plans to use Sprint’s 4G LTE network plus their 3G network as a fallback in 2013.
You’ll need a WiMAX modem, currently available as a USB modem stick or mobile WiFi hotspot “hockey puckâ€. The modems are “free†with a $ 49/$ 89 refundable security deposit and $ 5 shipping. Alternatively, you can pre-order a iPhone 4/4S or iPod Touch sleeve for $ 99 which won’t add much bulk.
No per-household limit. Based on media interviews, they are okay with households getting multiple devices each with their own free 500 MB allotment.
Fees and Upsells. They say no gotchas, but… they want $ 3 a month for “Speed Plus†which removes any data throttling. Usage alerts? Another $ 2 a month. If your account balance falls below $ 2 and you’re within 100 MB of your limit, it will automatically “top-up†with a $ 10 charge (you can turn this off in your billing settings). If you don’t use the service that month (less than 5 megabytes) they will charge you a $ 0.99 inactivity fee.
500 MB per month likely isn’t enough to replace your broadband internet connection, but it could definitely improve your cell phone bill. Brainstorming the various ways you could use FreedomPop to lower your monthly phone costs…
If you already pay for data, you could use this service and downgrade your current plan. If you only have a cheap basic cell phone plan for under $ 10 a month, now you can supplement any smartphone with free data. You could even turn an iPod Touch into a smartphone with no monthly costs at all by using Facetime, Skype, Google Voice, or other free VoIP services like the Vonage Mobile app. There are even rumors FreedomPop may start their own VoIP client. As a rough rule-of-thumb, a Skype-to-mobile/landline runs about 1 MB per minute. I’d still try and use WiFi or text messages when possible.
Looking at our billing history, I use around 1 GB a month and my wife uses only 300 MB a month. I think if I actually paid attention, I could stay under the free limits. However, I’m not sure I like the vibe of this company as their business model seems to be to advertise a completely free service but nickel-and-dime you into paying at least a few bucks per month. Once our contract is over, I don’t know if I’d rather deal with this or just switch to a Straight Talk $ 45 Unlimited prepaid plan with a used iPhone. But the upfront commitment is small, so I may try it out.
Today, Wolfgang invested 00 in an account that is expected to earn 14.3 percent per year. In 3 years, Wolfgang plans to invest 00 in the same account. In 10 years from today, how much money will Wolfgang have in his account? Finance 301 Problem
ABC Company has the opportunity to invest in a project that will bring in a yearly cash flow of 0000 for the next 5 years. The cost of the project is 00000 upfront. ABC Company’s shareholders require a 9% return on projects. Should ABC accept the project using the NPV rule? the IRR rule? What is the projects MIRR? Capital Budgeting.mp4
Fix Your Stuff: Repair Cafes, Fix-It Collectives, and Free Online Repair Manuals [9to5financial.blogspot.com]
Fix Your Stuff: Repair Cafes, Fix-It Collectives, and Free Online Repair Manuals
These days when you inquire about repairing something, you’re often confronted with a $ 50-$ 100 minimum diagnostic charge with no guarantee that it’ll be fixed. Combine this with carefully planned obsolescence by the manufacturers, and it’s no wonder that people tend to throw things away rather than fix them.
I was reading an AARP magazine article (yes, I read AARP magazine) about a growing chain of Repair Cafes in Amsterdam, where volunteers gather and help you repair your things from appliances to furniture to mending clothing. I think it’s a great idea for people to share their skills and help each other out in the community. Also profiled recently in the NY Times. My skilled 4-Her wife mends my clothing all the time, albeit reluctantly as she’d rather me look like I fell out of a J. Crew catalog…
I was also happy to find out that there are some local groups in the US doing similar things. It might be cool to volunteer at one, even if just to learn how to fix various things.
There are also many online guides to fixing your own stuff. Check out iFixit.com, their Self-Repair Manifesto, and their goal to make a free repair manual for every device out there from cars to iPhones.
www.subjectmoney.com http External financing is a source of financing other than the cash generated a company’s operations. This can be in the form of bank loans, bonds, the sale of securities, donations from taxpayers in the form of bailouts etc… External Financing – Definition – Corporate Finance – What is External Financing?
We explain the definition of Mobile Banking, provide a clear example of how it works and explain why it’s an important concept in business, finance & investing. Mobile Banking Personal Finance Video Definition
Inspiration article from: Fix Your Stuff: Repair Cafes, Fix-It Collectives, and Free Online Repair Manuals; hopefully provide insights.
TradeKing Referral Bonus 2012 â€" Direct Link, No Waiting
Update: For the month of October, TradeKing is extending the referral deal to anyone who clicks on a special $ 50 link or banner below. No promotion code required. Open with at least $ 3,000 and make 3 trades within 90 days of account opening and get $ 50. Trades are $ 4.95 each, options are $ 0.65 a contract. If you are thinking of switching brokers, you can get out for free as I have confirmation from TradeKing that you can combine this bonus with their $ 150 transfer fee reimbursement program detailed below.
Refer-a-Friend promotion details. Thinking of opening a new TradeKing brokerage account? If you open a new TK account via this special referral link and fund it with $ 3,000 plus make 3 trades within 90 days of opening the new account, you’ll get a $ 50 cash bonus. You’ll need to keep the $ 3,000 in the account for those 90 days (technically it must be there at time of review). You used to have to ask for a referral manually, but thankfully now you can apply instantly. To verify, look for the following text on the top after you click the bonus link:
Thanks for taking your friend’s suggestion to open a TradeKing account â€" we think you’ve made a great decision. We’ll treat you like a best friend should, we promise, and as a bonus, we’ll put $ 50 in your account.**
Many people have decided to be my friend temporarily through this refer-a-friend program, never to be heard from again. . No promotional code required. The fine print:
New referred client must fund their account with a minimum of $ 3,000 and place 3 trades within 90 days of opening the new account. Account types that don’t qualify include: Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, Simple IRA, Solo 401K and Coverdell IRA. Accounts will be reviewed 90 days after account is opened to confirm that all of the requirements are met. At the time of review 3 trades must have been placed within the past 90 days and the account must have at least $ 3,000 in account equity.
If you transfer an account of $ 2,500 value or greater over to TradeKing, they will also refund up to $ 150 in account transfer fees charged by your old broker. You can combine with the above offer.
TradeKing will credit your account transfer fees up to $ 150 charged by another brokerage firm when completing an account transfer for $ 2,500 or more. Offer applies to new non retirement accounts funding for the first time. Credit will be deposited to your account within 30 days of receipt of evidence of charge.
TradeKing offers $ 4.95 trades with no minimum balance requirement or inactivity fees. I’ve been using them for a while, they are a good basic broker for ETFs and dollar-cost-averaging. I am not an active trader or daytrader.
This is a short animation to explain the link between agricultural commodity derivatives speculation and the rise of prices (energy, food, etc). For a fuller analysis, see our recent position paper on Mifid2, “Investing not betting”. bit.ly or visit www.finance-watch.org Investing not betting ( (Finance Watch)
Version francaise: youtu.be Thierry Philipponnat is the Secretary General of Finance Watch. He participated on Monday 25 September 2012 in the European Parliament hearing about the Libor (London Interbank Offered Rate) / Euribor (Euro Interbank Offered Rate) scandal. www.europarl.europa.eu Thierry Philipponnat (Finance Watch) – Libor / Euribor (European Parliament)
English version: youtu.be Thierry Philipponnat est le secretaire general de Finance Watch. Il a participe a l’audition du Parlement Europeen au sujet du scandale du Libor (London Interbank Offered Rate) / Euribor (Euro Interbank Offered Rate), le lundi 25 septembre 2012 www.europarl.europa.eu Thierry Philipponnat (Finance Watch) – Libor/Euribor (au Parlement Europeen)
Appreciated from: TradeKing Referral Bonus 2012 â€" Direct Link, No Waiting; and follow the subsequent articles.
Should Student Loans Be Cheaper at Harvard? [9to5financial.blogspot.com]
Top Mac Apps-August 2011 FASTEST AND EASIEST WAY TO BUY BUY APPS: goo.gl All of these apps are available from the mac appstore. Just search the name. Mac App Playlist: www.youtube.com twitter: twitter.com tumblr: techgnome.tumblr.com Top Mac Apps-August 2011 Top Mac Apps-August 2011 ToptMac Apps-August 2011
Should Student Loans Be Cheaper at Harvard?
By Jen Wieczner
Harvard Yard, the heart of Harvard University in Cambridge, Mass.
The Federal government charges students uniform interest rates no matter how likely they are to default.
If the government ran its student loan programs the way banks do, Ivy Leaguers would probably get a steep discount, those at state universities would pay a bit more, and many at community colleges and for-profit schools would be deemed subprime borrowers.
No college degree guarantees one will be able to afford to pay off their student loans, but Ivy League borrowers rarely default on their debt: Just 1% of Harvard University students defaulted within three years of their loans coming due in 2009, according to Department of Education data released last week; and at the higher end, just under 3% of Columbia University alumni defaulted. Compare that with for-profit schools such as the University of Phoenix, where 26% of students defaulted in that same time period — nearly twice the national average.
Student Loan Defaults Defaults within three years of loans coming due. (Source: U.S. Department of Education)
School Type
Rate
# of Students in Default
Ivy League
1.6%
292
Private Colleges
7.5%
63,047
Public Colleges
11.0%
196,032
For-Profit Schools
22.7%
229,315
But the risk of default, while commonly priced into the interest rates banks charge on loans, is not a factor in federal student financial-aid packages. The Stafford loan, the most common federal student loan and the only type included in the default rate report, charges interest of up to 6.8% (some eligible students receive subsidized federal loans at a lower rate, but this is not affected by the school they attend).
Private lenders, on the other hand, likely account for default risk factors in the interest rates they charge students on their loans, including the student’s intended major, the college’s graduation rate, and the default rate of other borrowers at the school, according to Greg McBride, senior financial analyst at Bankrate.com.
Federal student loans are not subject to these considerations, however, because the government’s primary goal in aiding students is to ensure access to higher education for people of all income levels, not to make a profit, though the federal program is profitable despite the defaults, says Mark Kantrowitz, the publisher of student loan website FinAid.org. Charging higher interest rates on loans for attending schools with higher default rates could amount to discrimination, he says, because those schools tend to have a higher proportion of low-income and minority students. “Besides being akin to redlining, it’s also contrary to the government’s goal,†he says.
What it Takes to Get Into Oxford or Cambridge
Increasing competition, especially from overseas applicants, is making it ever harder to get into college. Educational consultant and Oxford graduate Jane Welsh tells the WSJ’s Deborah Kan what students need to do to get into some of the world’s top universities.
“The whole purpose for these programs is to give students an opportunity to pursue a higher education that they may otherwise not be able to pursue because of the situation they’re in financially,†says an Education Department spokesman, noting that the interest rates on student loans are set by Congress, and that students taking out loans to enter college typically have no credit history because they are too young to own a home or have a credit card.
Student loan default rates are high even at schools that are typically the least expensive to attend, such as community colleges and for-profit universities, because those schools attract a population with a higher risk of default. Indeed, some low-income students nicknamed “Pell runners†take out loans to attend the cheapest schools with no intention of repaying or even completing coursework, instead pocketing the funds as a sort of welfare, Kantrowitz says. As for why the default rate is so high at for-profit institutions, a spokesman for the University of Phoenix says students who start — but fail to finish their degree — account for much of the problem. The default rates for those who actually graduate is only 4%. The school is also working to educate prospective students on the financial commitment of enrolling and on borrowing responsibly, the spokesman says.
Overborrowing is also a chronic problem among students at all types of schools, which could contribute to the persistently high default rates, Kantrowitz says. Federal law currently sets the same ceiling on student loans whether the student is pursuing a Bachelor’s degree or a less costly certificate, which typically leads to fewer job prospects, he adds: “If students are getting a degree that isn’t going to be as lucrative, they shouldn’t be borrowing as much.â€
There have been Congressional proposals that colleges share in the risk of default with the government, in the hope that the schools would work to prevent defaults, but these efforts have failed to gain traction because studies showed that colleges would raise tuition to cover the defaults, thereby negating any benefit.
But some federal rules are designed to lower the risk of student loan default by forcing students to better manage their finances and consider how much they actually need to borrow. The 30-day delay rule, for example, requires that loans only be disbursed a month after students request aid. While schools with a student loan default rate of less than 10% can get a waiver for this rule, many choose not to, according to Kantrowitz, because they find that students decide to borrow less after the 30-day waiting period. “By making them jump through a little bit of hoops, they’re less likely to go overboard in debt,†Kantrowitz says.
bit.ly tv9 telugu news channels live tv9 latest telugu news videos AP owes 11000 crores to RBI commercial mortgage finance 2000 telugu tv9 channel online tv9 telugu news channels tv9 telugu news live tv AP In financial crisis tv9 telugu news online telugu news online tv9 the great and powerful For The Love Of Money Reserve Bank of India tv9 telugu news live it wasn’t very tasty Sakala Janula Samme friendship is magic Ford Explorer XLS journeyman pictures telugu tv9 channel I’m not underwater buy here pay here telugu tv9 online grunge rock music Mark’s Auto Sales Loan lakewood Colorado commercial loans Credit (finance) brazilian singer champions league current affairs commercial loan my little pony Everywhere Bangladesh Savings super junior Credit Card super mario foreclosure publicprank instruments documentary Tomorrow election Openings Freddie Mac auto loans Bank conspiracy republican Bankruptcy Retirement Management トップアニメã®é–‹å£éƒ¨ corruptio n manchester highlights sandwiches submarines Balaban karaoke september financial Insurance Corporate Criminals predatory invisible Panionios champions Watch Banks Chasing Student Customers Feb 24, 2009 – 2000 Loan
Dr. Rizal Ramli analyzed the past and current performance as well as medium outlook of the Indonesian economy, including the impact of the European crises and the global economic slowdown. He also discussed the hurdles to the incoming Asian Century, the interdependence and internal competition among Asia’s largest economies, and their relevance to US influence in the region. Dr. Rizal Ramli is currently a member of the United Nations Development Programme Advisory panel on Human Development. In his long and varied career in economics, he was Chairman of the Board of PT Semen Gresik (2006-2008), after founding the ECONIT Advisory Group, a leading Indonesian economic think. He has been assigned numerous posts in the Indonesian government, including the Coordinating Minister of the Economy and Minister of Finance (2000-2001) during the Administration of President Abdurrahman Wahid, and the Head of the Bureau of Logistics (Bulog) in 2001. Though his period in public office was brief, he took on a number of strategic initiatives to accelerate recovery from the economic crisis. Dr. Ramli received his PhD in Economics from Boston University in 1990. RIZAL RAMLI Indonesia’s Economic Outlook and Asian Economic Integration
This article was excerpted from: Should Student Loans Be Cheaper at Harvard?; articles also read the other useful.
Money Zone Episode 001:Part:01 Money Zone is a Special Programme in order to educate common people in their Financial matters. This episode will explain what is Money, Evoluation of Money,How to reduce expenditure,Why rates are increasing etc……………
Money Zone Episode 005:Part:01 Money Zone is a guide to personal finance and money matters. You’ll find lots of information on many kinds of financial products, from credit cards and personal loans, through to insurance, mortgages, pensions, and savings. This common sense guide to money matters is your starting point to personal finance and guide in the right direction to get your money working for you.
A Stock You Can Go Nuts On
By Brett Arends
In a market where almost every stock looks overvalued, this small nut company may prove the exception.
Nuts!
I have to confess I am a bit nuts about nuts.
No cashew is safe within my vicinity. I’m a predator for pistachios. Even as a child I could drain one of those jars of Planters’ dry roasted peanuts in one sitting. Until a few years ago, a local delicatessen used to serve these delicious, big fat almonds, but the owner retired, the shop closed, and I have never seen them since.
I cannot be alone. Prices have boomed in recent years, helped both by healthier eating here and by more demand from places like China. Peanut prices have risen by about a third in the past year.
It’s not a bad idea to invest where we shop — at the very least, we have some chance of getting some of our money back. And there is, sort of, a nut sector on the stock market (not to be confused with nutty sectors on the stock market, of which there are, of course, many).
Planters is owned by the huge food company Kraft  , but it only accounts for a small percentage of sales. Emerald nuts are owned by Diamond Foods /quotes/zigman/96355/quotes/nls/dmndDMND+3.07%  , another broadly based food company. Private-label food company Ralcorp /quotes/zigman/173429/quotes/nls/rahRAH+1.03%  is big in the nut business. Macadamia Nut Orchards /quotes/zigman/236134/quotes/nls/nnutNNUT-0.27%  is a $ 30 million microcap growing and farming those expensive nuts in Hawaii. I’d love to be in the macadamia business. Have you seen the prices?
But the nut stock that intrigues me most is John B. Sanfilippo & Sons /quotes/zigman/74200/quotes/nls/jbssJBSS+0.38%  , a family-controlled company based in Elgin, Ill., that processes and markets peanuts, cashews, almonds and other nuts. It’s been around since 1922.
It owns the Fisher Nuts and Orchard Valley brands and produces private-label nuts for a lot of big retailers, including Wal-Mart.
In the past five years, sales have risen 29% to $ 700 million. The company has swung from a $ 6 million net loss to $ 17 million net income. The balance sheet is excellent: Net current assets, including nut inventories of $ 146 million, exceed total liabilities by $ 37 million.
Compare that with the company’s nominal $ 137 million market value. Net of current assets, nuts and liabilities, it’s really only being valued at about $ 100 million.
Adam Strauss, co-manager of the Appleseed /quotes/zigman/442173APPLX-0.23% Â mutual fund, is a big investor and a fan. He explains that the company has become more proactive in recent years about marketing and focusing on the consumer. Earnings, he says, are also artificially depressed on the books as the company takes a big depreciation charge for a new facility in Illinois.
In the financial year that runs through June 2013, he believes free cash flow could hit $ 30 million. In relation to the company’s market value, that would be huge.
John B. Sanfilippo & Sons stock went, er, nuts during the Atkins Diet craze last decade, hitting $ 50 at one point. Today it’s $ 13. It’s come back down in recent months, after a huge run-up in the past two years. Small company stocks are volatile, of course: It just takes one or two big sellers to mark it down.
There are concerns in the nut business, like anything else. Commodity prices have been incredibly volatile in recent years. Consumers are watching their budgets these days. And raw nut prices tend to rise faster on the way up than the company can raise its own prices: The lag can squeeze margins. The company, furthermore, does not pay a dividend. The Sanfilippos own 68% of the voting stock. You’re an outsider.
Nonetheless, in a market where almost everything looks fully priced or wildly overvalued, this might be an exception.
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This article was excerpted from: A Stock You Can Go Nuts On; hopefully provide insights.
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