Disregard this post, like every other post I've posted in like the past year =]
Southwest pilots to fly more
Paper says the carrier, the nations most profitable, wins extra hours from its pilots union.
December 8th, 2005
(CNNMoney.com) Author not specified
So the oligopoly of the airline world seems to have a specific airline who is pulling in front of the pack. Southwest airlines announced on November 6th, 2005 that they made an agreement with their pilots to fly an extra 1.5 hours a month. The nations most profitable airline will now have an even greater "cost advantage of the money-losing larger carriers." The agreement will save Southwest airlines about $4 million yearly since they will not have to worry about hiring as many pilots while "it expands its schedule about 10 percent a year." With the great choices Southwest made with their pilots, the pilots dont have any problem working hard. Compared to several other carriers like American Airlines, Southwest pilots are flying 25 hours more than their fellow competitiors. This seems to be like the perfect carrier but several Wall Sreet anaylysts fear their could be bombarded with problems in time to come. It's spending just a little too much money on its employees in most cases. But the airline is doing a great job now and hopefully, despite the anaylysts views they will continue to remian strong. Another thing they've got going for them is the fact that they can purchase fuel more cheaply through there long-term fuel contracts.
This airline reminds me of the Walmart in the sky. It's well ahead of its other competitors, they've got some minor issues (Ok Walmart has some larger ones) but they seem to stay in first. This relatively new airline has shocked several other airlines along with everyone else with their highly efficient schedule and the fact that they have such great fares. I personally have been aboard Southwest airlines along with my family and have first hand experience at their consistency. The plane de-barks the passengers in no more than 15 minutes, loads back up the new passengers at around the same time and launches off to the sky. Waiting with another airline after expericning Southwest, it'll feel like youre at the DMV. This new agreement made with the pilots seems to be working out well and it's just expanding a very profitable reputation.
Investing Goes Back to Basics
You've discovered the joys of buying simpler things. A hugely popular investment has been 'all-in-one' funds with a good mix of stocks and bons
Newsweek
December 19th, 2005 Issue
Jane Bryant Quinn
Seems like this year people were overly hesitant when it came to buying stocks. Investors, scarred by memories of loss and regret, decided that choosing stocks just wasnt the thing to do. Net new investments dropped incredibly this year within all aspects of the stock market. Instead, this year quite a popular investment known as "all-in-one" funds give you an array of stocvks and bonds in one big pretty package. These funds have passed the $100 billion mark and theyre just waiting for you go to and buy them. Alright so lets go down the basics here; you've got two different types of all-in-one funds: "(1) Life-cycle funds, which contain a mix of bonds and stocks, including international stocks. You can choose an aggressive, moderate or conservative mix. (2) Target retirement funds, whose managers gradually change the investment mix from aggressive to conservative as you get older. Both types are increasingly found in 401(k)s, as well as at fund groups, such as Fidelity, T. Rowe Price and Vanguard."
People are considering these all-in-one stocks as the cure for people who think they've got the power to "time" the market. To them "timing" the market is just buying the stocks when they begin to rise and changing it to cash before they fall. Now I only know of one person who is capable of doing this which happends to know my father, she is a 95 year old woman, whose as sharp as a carrot, watches the stock market, reads the newspaper day in and day out, has become a multi-millionaire, and has acquired some sort of 6th sense because she knows just when to put in and when to pull out. This is no lie, she really is a real person (she's really nice too =]). "Timing" the market for most people just doesnt work out so now they've got something to fall back on. All-in-one funds!
Those of us who have become cautious dont have to completely shut out investing. This year we've have discovered "alternative investments- natural resources, gold and international funds" Some are saying they're even better investments then the U.S. economy in the long run. It's interesting to notice that each time something doesnt work out, within a matter of time their is an "improved" version of what previouslt didnt work out which will work better now. Investing has become a game of risk and now with the all-in-one funds and the "alternative investments", investors feel more confident that they will not be losing all their money. Their money is actually somewhat stable. Stability is what keeps an economy going. If certain aspects of the market are stated as being stable, several investors will drift over to that certain area because of the fact that they have a significantly lower risk factor in terms of losing money. Keep the economy stable and investors will be chomping down on stocks left and right.
The Bare Facts on Stripping
Newsweek
December 19th, 2005 Issue
Temma Ehrenfeld
Man this really makes me scared kowning that I'm eventually going to purchase a house. Their's just so much to consider and a lot of the time you're being scammed by shady loans who seem to fulfill all your needs but in the end they're not all thet great for you! First off with IO's(Interest only mortgages), you're only paying for the interest (What you're paying for getting the principal) at first without having any money go towards the principal (what you're paying; A sum of money owed as a debt, upon which interest is calculated.). IO's reduce monthly costs but in 5 to 10 years, payments jump up, to finish paying off the principal. IO loans have higher interest rates than ARMs(adjustable mortgage only) and while using them you're hoping that you'll get more equity out of thin air. IO borrowers must be careful because some bankers make IO's look extremely low by comparing it with a more expensive, fixed rate loan. Now if you compare and IO to an ARM (principal as well as interest is payed) the difference wont be as drastic.
Now onto two pledged-asset loans. You have go to be equopped with a large security account to be eligible for one of these bad boys. Basically, to sum up how it works, " On a $500,000 house, for example, both Morgan and Merrill ask you to put up $195,000 in securities. If the stocks drop in value by a certain amount, you have to put up more collateral or be sold out. There's no risk to your home, as long as you keep making mortgage payments." To me it seems like a whole lot of money, but hey I'm just a teenager.
Now without furth ado I shall show the last form of "stripping". Ordinary refinancing. Brokers and mortgaers alike tell people to refinance their mortgage because they say that's where the money is. . "By pulling out cash, you can buy their mutual funds and annuities (paying them sales commissions and mortgage fees)."
Motto of the story is, dont make loans unless you got what it takes to back it up. Make sure you have the resources and you know exactly how to re-pay the loan. Not having those important attributes can cause you to lose money and live a not so great life if worst comes to worse. I read this article the day before I finished my financial project and this is primarily the reaosn why I decided to not even attempy to rent/purchase a house. I hear people always talking about getting these huge loans for their houses (they think its the solution to their problems) and now it makes me wonder if their decisions were wise because if they dont have what the bank wants for them, I hate to be mean, but they're pretty much screwed.
White House tests readiness for pandemic flu
CNN
December 9th 2005
Author not specified
Will we be ready? I certainly hope so. "Federal officials said Saturday that saving lives and containing the economic damage will require more planning in local communities and increased production of vaccines and medications." Presdident Bush has requested $7.1 billion dollars in emergency flu preparedness funds which is waiting to be aproved by congress.
Fear is starting to sweep the world as the virus which has infected millions of birds is starting to spread throughout Asia and Europe. Though it hasnt reached the US, or spread from person to person, people fear the virus could mutate and since we are not immune to it, this virus can start appearning in numbers as large as the annual flu. As of now, the virus has killed 120 people who have contracted it. The administration is working with the idea in their heads that the flu could effect 90 million Americans and 2 million would die.
Several tests and scenarios have been run and it seems like we might just be prepared for this pandemic. This would be the first time in history that anyone has ever been prepared for a pandemic. Now the administration is looking for ways to speed up the prodction of vaccines and its good to know that mostly everyone is working together. Sure theirs still name calling but the majority of the people have the idea in their minds that their is a problem which the entire world faces and they must help do whatever they can. Working together for a common goal makes things 10 times easier. With the way things are going now, I'm sure we'll be prepared if this awful virus does come our way.
I love taking up space!!!!!!!!!! <33333333333333333333
Paper says the carrier, the nations most profitable, wins extra hours from its pilots union.
December 8th, 2005
(CNNMoney.com) Author not specified
So the oligopoly of the airline world seems to have a specific airline who is pulling in front of the pack. Southwest airlines announced on November 6th, 2005 that they made an agreement with their pilots to fly an extra 1.5 hours a month. The nations most profitable airline will now have an even greater "cost advantage of the money-losing larger carriers." The agreement will save Southwest airlines about $4 million yearly since they will not have to worry about hiring as many pilots while "it expands its schedule about 10 percent a year." With the great choices Southwest made with their pilots, the pilots dont have any problem working hard. Compared to several other carriers like American Airlines, Southwest pilots are flying 25 hours more than their fellow competitiors. This seems to be like the perfect carrier but several Wall Sreet anaylysts fear their could be bombarded with problems in time to come. It's spending just a little too much money on its employees in most cases. But the airline is doing a great job now and hopefully, despite the anaylysts views they will continue to remian strong. Another thing they've got going for them is the fact that they can purchase fuel more cheaply through there long-term fuel contracts.
This airline reminds me of the Walmart in the sky. It's well ahead of its other competitors, they've got some minor issues (Ok Walmart has some larger ones) but they seem to stay in first. This relatively new airline has shocked several other airlines along with everyone else with their highly efficient schedule and the fact that they have such great fares. I personally have been aboard Southwest airlines along with my family and have first hand experience at their consistency. The plane de-barks the passengers in no more than 15 minutes, loads back up the new passengers at around the same time and launches off to the sky. Waiting with another airline after expericning Southwest, it'll feel like youre at the DMV. This new agreement made with the pilots seems to be working out well and it's just expanding a very profitable reputation.
Investing Goes Back to Basics
You've discovered the joys of buying simpler things. A hugely popular investment has been 'all-in-one' funds with a good mix of stocks and bons
Newsweek
December 19th, 2005 Issue
Jane Bryant Quinn
Seems like this year people were overly hesitant when it came to buying stocks. Investors, scarred by memories of loss and regret, decided that choosing stocks just wasnt the thing to do. Net new investments dropped incredibly this year within all aspects of the stock market. Instead, this year quite a popular investment known as "all-in-one" funds give you an array of stocvks and bonds in one big pretty package. These funds have passed the $100 billion mark and theyre just waiting for you go to and buy them. Alright so lets go down the basics here; you've got two different types of all-in-one funds: "(1) Life-cycle funds, which contain a mix of bonds and stocks, including international stocks. You can choose an aggressive, moderate or conservative mix. (2) Target retirement funds, whose managers gradually change the investment mix from aggressive to conservative as you get older. Both types are increasingly found in 401(k)s, as well as at fund groups, such as Fidelity, T. Rowe Price and Vanguard."
People are considering these all-in-one stocks as the cure for people who think they've got the power to "time" the market. To them "timing" the market is just buying the stocks when they begin to rise and changing it to cash before they fall. Now I only know of one person who is capable of doing this which happends to know my father, she is a 95 year old woman, whose as sharp as a carrot, watches the stock market, reads the newspaper day in and day out, has become a multi-millionaire, and has acquired some sort of 6th sense because she knows just when to put in and when to pull out. This is no lie, she really is a real person (she's really nice too =]). "Timing" the market for most people just doesnt work out so now they've got something to fall back on. All-in-one funds!
Those of us who have become cautious dont have to completely shut out investing. This year we've have discovered "alternative investments- natural resources, gold and international funds" Some are saying they're even better investments then the U.S. economy in the long run. It's interesting to notice that each time something doesnt work out, within a matter of time their is an "improved" version of what previouslt didnt work out which will work better now. Investing has become a game of risk and now with the all-in-one funds and the "alternative investments", investors feel more confident that they will not be losing all their money. Their money is actually somewhat stable. Stability is what keeps an economy going. If certain aspects of the market are stated as being stable, several investors will drift over to that certain area because of the fact that they have a significantly lower risk factor in terms of losing money. Keep the economy stable and investors will be chomping down on stocks left and right.
The Bare Facts on Stripping
Newsweek
December 19th, 2005 Issue
Temma Ehrenfeld
Man this really makes me scared kowning that I'm eventually going to purchase a house. Their's just so much to consider and a lot of the time you're being scammed by shady loans who seem to fulfill all your needs but in the end they're not all thet great for you! First off with IO's(Interest only mortgages), you're only paying for the interest (What you're paying for getting the principal) at first without having any money go towards the principal (what you're paying; A sum of money owed as a debt, upon which interest is calculated.). IO's reduce monthly costs but in 5 to 10 years, payments jump up, to finish paying off the principal. IO loans have higher interest rates than ARMs(adjustable mortgage only) and while using them you're hoping that you'll get more equity out of thin air. IO borrowers must be careful because some bankers make IO's look extremely low by comparing it with a more expensive, fixed rate loan. Now if you compare and IO to an ARM (principal as well as interest is payed) the difference wont be as drastic.
Now onto two pledged-asset loans. You have go to be equopped with a large security account to be eligible for one of these bad boys. Basically, to sum up how it works, " On a $500,000 house, for example, both Morgan and Merrill ask you to put up $195,000 in securities. If the stocks drop in value by a certain amount, you have to put up more collateral or be sold out. There's no risk to your home, as long as you keep making mortgage payments." To me it seems like a whole lot of money, but hey I'm just a teenager.
Now without furth ado I shall show the last form of "stripping". Ordinary refinancing. Brokers and mortgaers alike tell people to refinance their mortgage because they say that's where the money is. . "By pulling out cash, you can buy their mutual funds and annuities (paying them sales commissions and mortgage fees)."
Motto of the story is, dont make loans unless you got what it takes to back it up. Make sure you have the resources and you know exactly how to re-pay the loan. Not having those important attributes can cause you to lose money and live a not so great life if worst comes to worse. I read this article the day before I finished my financial project and this is primarily the reaosn why I decided to not even attempy to rent/purchase a house. I hear people always talking about getting these huge loans for their houses (they think its the solution to their problems) and now it makes me wonder if their decisions were wise because if they dont have what the bank wants for them, I hate to be mean, but they're pretty much screwed.
White House tests readiness for pandemic flu
CNN
December 9th 2005
Author not specified
Will we be ready? I certainly hope so. "Federal officials said Saturday that saving lives and containing the economic damage will require more planning in local communities and increased production of vaccines and medications." Presdident Bush has requested $7.1 billion dollars in emergency flu preparedness funds which is waiting to be aproved by congress.
Fear is starting to sweep the world as the virus which has infected millions of birds is starting to spread throughout Asia and Europe. Though it hasnt reached the US, or spread from person to person, people fear the virus could mutate and since we are not immune to it, this virus can start appearning in numbers as large as the annual flu. As of now, the virus has killed 120 people who have contracted it. The administration is working with the idea in their heads that the flu could effect 90 million Americans and 2 million would die.
Several tests and scenarios have been run and it seems like we might just be prepared for this pandemic. This would be the first time in history that anyone has ever been prepared for a pandemic. Now the administration is looking for ways to speed up the prodction of vaccines and its good to know that mostly everyone is working together. Sure theirs still name calling but the majority of the people have the idea in their minds that their is a problem which the entire world faces and they must help do whatever they can. Working together for a common goal makes things 10 times easier. With the way things are going now, I'm sure we'll be prepared if this awful virus does come our way.
I love taking up space!!!!!!!!!! <33333333333333333333