Your Financial ManagerMake money management easy. Take control of your personal finances.
How Much Does it Cost to Maintain a Home
When youre buying a home for the first time, unexpected costs usually seem to add up quickly. Legal fees, bank fees and other expenses beyond your down payment may catch you off guard. But, unfortunately, theres more to come.
Once you have the home, you also have the costs of homeownership. These expenses are beyond your monthly loan payment and homeowners insurance. You must create a budget to cover home maintenance expenses, but before you figure out what your home will cost you, youll need to know whats involved.
Home Repairs
One unavoidable and potentially significant cost of home upkeep is repairs. A renter calls a landlord when the air conditioning goes or the ceiling leaks, but as a homeowner, youre now responsible for fixing those problems.
Lead the Way to the Top
Getting ahead in business is no longer about brown-nosing and being related to the boss. In this tough job market, companies are promoting from within – while thats good in the sense that you have a shot at a promotion just by virtue of the fact that you work there, it also means that you must constantly come across as promotion material. Leadership skills are the number one thing employers look for when a management position opens up, even more so than experience. An inexperienced leader can be groomed for the job, but an ineffectual leader will be a dismal failure no matter how experienced he is. By polishing your leadership skills and putting them out there for everyone Dont be Bossy Showing off leadership skills does not mean bossing people around. Full post…
Media Digest (3/1/2012) Reuters, WSJ, NYT, FT, Bloomberg
Statements by Bernanke about the uneven economy push stocks down. (Reuters)
Chinese factory activity grows more than expected in February. (Reuters)
Facebook sets a new set of advertising tools for major marketers ahead of its IPO. (Reuters)
Microsoft (NASDAQ: MSFT) releases Windows 8 for consumer tests. (Reuters)
An alliance between GM (NYSE: GM) and Peugeot is meant to cut costs. (Reuters)
Bank of America (NYSE: BAC) may set new fees for its consumer customers. (WSJ)
Mobile companies will offer more limited use of the web in exchange for tiered service. (WSJ)
The International Swaps and Derivatives Association will decide whether Greek CDS instruments will be paid. (WSJ)
Several California cities say they could follow Stockton into Chapter 9. (WSJ)
Cable companies have picked up their use of outdoor WiFi.
Fundamental Oil Report (2012-02-23)
NewsCrude oil is flying in the sky of the marketPreviousForecastAnalysisCrude oil continued to trade within very high levels amid concerns and fears over global supplies as tensions increased between Iran and the west after the country blocked IAEA’s attempts to explore the nuclear base which countered the effect of negative signs on Euro zone economy yesterday on contracting manufacturing and services.
How to break your credit card dependency
Once you enter the world of credit cards, it becomes tantalizingly easy to buy today what you can’t afford tomorrow. Swiping magic plastic seems painless, but few things are as damaging to your credit score and financial future as unchecked credit card use. Here are some ideas for how to break the cycle of credit card dependency.
Even if it means writing down every cent you put on your credit card, having documentation of your spending is essential. If your credit card bills are too many and too high due to over-spending, seeing hard evidence can be just the “scared straight” encounter you need. Use a pen and paper or a personal accounting program like Quicken.
As wonderful as credit card companies make it seem, using a credit card won’t spirit you away to a blissful realm of contentment. Be awar
Congresswoman Limkaichong Speaks in Global Development Meeting; Talk Centered on Philippines’ Situation and Policy Priorities on Education and Health Sectors
New Delhi, India, October 20, 2011 Congresswoman Jocelyn S. Limkaichong was the only Filipino lawmaker and one of the two Filipino speakers and panelists in the just concluded international policy seminar on Effective Public Service Delivery in Health and Education organized by the Global Development Network , a leading international organization of developing and transition country researchers, policy and research institutes promoting the generation, sharing, and application to policy of multidisciplinary knowledge for the purpose of development.
The representative from Negros Oriental, an ardent advocate of the Millennium Development Goals and a champion of measures and programs that revolve around, and redound to, social reform and human development, rights of women and children, and good governance, discussed the policy priorities in the health and education sectors of the Philippine government.
She shared with the participants from five countries policy-makers and researchers from the academe and development organizations this countrys national situation and specific programs in both sectors, presented the recent reforms undertaken by the current administration and the emerging results these reforms are gaining so far, and areas for further research.
The health sector in the Philippines is on the road, chasing the Millennium Development Goals; and from equitable financing, it is girding towards universal health coverage most especially, of all Filipinos whose incomes belong to poverty threshold, Rep.
What the Stock Market has Become