good financial site
www.minyanville.com
Tuesday, April 28, 2009
Saturday, April 25, 2009
FCID Insurance
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click :
http://www.fdic.gov/news/news/financial/2008/fil08102a.html
MUST read:
You can calculate your insurance coverage using the FDIC's Electronic Deposit Insurance Estimator (EDIE) which is available at www.fdic.gov/edie.
If you have questions about FDIC coverage limits and requirements, visit www.myFDICinsurance.gov, call toll-free 1-877-ASK-FDIC or ask a representative at your bank.
On January 1, 2010, the standard coverage limit will return to $100,000 for all deposit categories except IRAs and Certain Retirement Accounts, which will continue to be insured up to $250,000 per owner.
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click :
http://www.fdic.gov/news/news/financial/2008/fil08102a.html
MUST read:
You can calculate your insurance coverage using the FDIC's Electronic Deposit Insurance Estimator (EDIE) which is available at www.fdic.gov/edie.
If you have questions about FDIC coverage limits and requirements, visit www.myFDICinsurance.gov, call toll-free 1-877-ASK-FDIC or ask a representative at your bank.
On January 1, 2010, the standard coverage limit will return to $100,000 for all deposit categories except IRAs and Certain Retirement Accounts, which will continue to be insured up to $250,000 per owner.
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Friday, April 24, 2009
China stock in US
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http://firstrade.com/public/zh_tw/marketsnews/chinastocklist
It covers ALL China stocks traded in US stck markets (included NY/Amer/Nasdaq/Pink Sheets)
Quick link:
www.98.to/johnp8
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http://firstrade.com/public/zh_tw/marketsnews/chinastocklist
It covers ALL China stocks traded in US stck markets (included NY/Amer/Nasdaq/Pink Sheets)
Quick link:
www.98.to/johnp8
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Tuesday, April 14, 2009
Energy Outlook !
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According to the Department of Energy, over the next two decades, 139 gigawatts of electricity generated by natural gas will come on line -- far outpacing that of nuclear, coal, or green energy.
And further, "900 of the next 1,000 power plants built in the United States will use natural gas."
Magellan Midstream Partners (NYSE: MMP),
ORA...is in geothermal - (another great alternative energy play).
??what is very HOT??
check out the closed end fund -- CUBA
fair valued at $7.34
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v
According to the Department of Energy, over the next two decades, 139 gigawatts of electricity generated by natural gas will come on line -- far outpacing that of nuclear, coal, or green energy.
And further, "900 of the next 1,000 power plants built in the United States will use natural gas."
Magellan Midstream Partners (NYSE: MMP),
ORA...is in geothermal - (another great alternative energy play).
??what is very HOT??
check out the closed end fund -- CUBA
fair valued at $7.34
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Sunday, April 12, 2009
Moving Tips :
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>> Use the right boxes, and pack them carefully.
Try to use only sturdy, reinforced cartons.
Free boxes you can get at your supermarket are not nearly as strong,
so can't shield your valuables as well from harm in transit.
>> Use sheets, blankets, pillows and towels to separate pictures and
other fragile objects from each other and the sides of the carton.
>> Pack plates and glass objects vertically,
rather than flat and stacked.
Label those boxes clearly as **fragile items **
>> If you can't lift the carton easily, it's too heavy.
>> Label your boxes, especially the one containing sheets
and towels, so you can find everything you need the first night
in your new home.
>> You can lighten your load and reduce any storage space
you need to rent by hosting a garage or yard sale.
>> Fill a "MUST" carton containing snacks, instant coffee or tea bags,
soap, toilet paper, toothpaste and brushes, medicine and toiletry items
(ensure caps are tightly secured), flashlight, screwdriver, pliers,
can opener, paper plates, cups and utensils, a pan or two,
paper towels, and other items your family can't do without.
>> Let all your electrical gadgets return to room temperature
before plugging them in.
>> Read the inventory form carefully, and ask the mover to
explain anything you don't understand.
Make a note of your shipment's registration number, and keep your
Bill of Lading handy.
>> Use the right boxes, and pack them carefully.
Try to use only sturdy, reinforced cartons.
Free boxes you can get at your supermarket are not nearly as strong,
so can't shield your valuables as well from harm in transit.
>> Use sheets, blankets, pillows and towels to separate pictures and
other fragile objects from each other and the sides of the carton.
>> Pack plates and glass objects vertically,
rather than flat and stacked.
Label those boxes clearly as **fragile items **
>> If you can't lift the carton easily, it's too heavy.
>> Label your boxes, especially the one containing sheets
and towels, so you can find everything you need the first night
in your new home.
>> You can lighten your load and reduce any storage space
you need to rent by hosting a garage or yard sale.
>> Fill a "MUST" carton containing snacks, instant coffee or tea bags,
soap, toilet paper, toothpaste and brushes, medicine and toiletry items
(ensure caps are tightly secured), flashlight, screwdriver, pliers,
can opener, paper plates, cups and utensils, a pan or two,
paper towels, and other items your family can't do without.
>> Let all your electrical gadgets return to room temperature
before plugging them in.
>> Read the inventory form carefully, and ask the mover to
explain anything you don't understand.
Make a note of your shipment's registration number, and keep your
Bill of Lading handy.
Thursday, April 9, 2009
all about LOAN !
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http://www.mykcpgroup.com
A FEW POINTS ABOUT INTEREST RATES !
>> The higher the interest rate,
the more interest that you have to pay.
>> The affordability increases if you use an adjustable rate mortgage
(it's easier to qualify this way).
>> Mortgage interest rates are affected by many
unpredictable political, economic and social events.
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No guarantee what direction interest rates will go.
>> Make your financial decision based on where things are today
including your budget, your needs and your future plans.
>> Locking in rates assures your lowest interest.
If you do decide to lock in at a certain interest rate,
you will need to complete a loan application with your lender.
This must be done so that your commitment doesn't runout
prior to loan approval.
>> Follow up and be sure that the lender is receiving
all of the required documentation.
Get a property appraisal, (costs about $300),
through your loan agent as soon as possible.
*
http://www.mykcpgroup.com
A FEW POINTS ABOUT INTEREST RATES !
>> The higher the interest rate,
the more interest that you have to pay.
>> The affordability increases if you use an adjustable rate mortgage
(it's easier to qualify this way).
>> Mortgage interest rates are affected by many
unpredictable political, economic and social events.
*
No guarantee what direction interest rates will go.
>> Make your financial decision based on where things are today
including your budget, your needs and your future plans.
>> Locking in rates assures your lowest interest.
If you do decide to lock in at a certain interest rate,
you will need to complete a loan application with your lender.
This must be done so that your commitment doesn't runout
prior to loan approval.
>> Follow up and be sure that the lender is receiving
all of the required documentation.
Get a property appraisal, (costs about $300),
through your loan agent as soon as possible.
*
Tuesday, April 7, 2009
Foreign Stocks
RVSN TSU NPD VISN NWD YGE ESLR SOLF FEED SEED VIP SVA APWR THLD CRME CECE
still focus on Foreign Stocks
still focus on Foreign Stocks
Wednesday, April 1, 2009
The most-overlooked tax deductions
1. State sales taxes.
Although all taxpayers have a shot at this write-off, it makes sense primarily for those who live in states that do not impose an income tax. You must choose between deducting state and local income taxes or state and local sales taxes. For most citizens of income-tax states, the income-tax deduction is a better deal.
IRS has tables that show how much residents of various states can deduct. But the tables aren't the last word. If you purchased a vehicle, boat or airplane, you get to add the state sales tax you paid to the amount shown in IRS tables for your state, to the extent the sales tax rate you paid doesn't exceed the state's general sales tax rate.
The same goes for home building materials you purchased. These items are easy to overlook, and these add-ons could make the sales-tax deduction a better deal even if you live in a state with an income tax. The IRS even has a calculator on its Web site to help you figure the deduction, which varies depending on the state where you live and your income level.
2. Reinvested dividends.
This isn't really a deduction, but it is a subtraction that can save you a bundle.
If, like most investors you have mutual fund dividends automatically invested in extra shares, remember that each reinvestment increases your "tax basis" in the fund. That, in turn, reduces the taxable capital gain (or increases the tax-saving loss) when you redeem shares. Forgetting to include the reinvested dividends in your basis -- which you subtract from the proceeds of sale to pinpoint your gain-means overpaying your tax.
3. Out-of-pocket charitable contributions. It's hard to overlook the big charitable
gifts made during the year, by check or payroll deduction (check your December pay stub). But the little things add up, too, and you can write off out-of-pocket costs incurred while doing good works.
Ingredients for casseroles you prepare for a church or nonprofit organization's soup kitchen, for example, or the cost of stamps you buy for your school's fundraiser count as a charitable contribution. If you drove your car for charity in 2008, remember to deduct 14 cents per mile (or 35 cents a mile during the first half of the year and 41 cents per mile for driving during the last six months to aid victims of the floods and tornadoes in the Midwest).
Although all taxpayers have a shot at this write-off, it makes sense primarily for those who live in states that do not impose an income tax. You must choose between deducting state and local income taxes or state and local sales taxes. For most citizens of income-tax states, the income-tax deduction is a better deal.
IRS has tables that show how much residents of various states can deduct. But the tables aren't the last word. If you purchased a vehicle, boat or airplane, you get to add the state sales tax you paid to the amount shown in IRS tables for your state, to the extent the sales tax rate you paid doesn't exceed the state's general sales tax rate.
The same goes for home building materials you purchased. These items are easy to overlook, and these add-ons could make the sales-tax deduction a better deal even if you live in a state with an income tax. The IRS even has a calculator on its Web site to help you figure the deduction, which varies depending on the state where you live and your income level.
2. Reinvested dividends.
This isn't really a deduction, but it is a subtraction that can save you a bundle.
If, like most investors you have mutual fund dividends automatically invested in extra shares, remember that each reinvestment increases your "tax basis" in the fund. That, in turn, reduces the taxable capital gain (or increases the tax-saving loss) when you redeem shares. Forgetting to include the reinvested dividends in your basis -- which you subtract from the proceeds of sale to pinpoint your gain-means overpaying your tax.
3. Out-of-pocket charitable contributions. It's hard to overlook the big charitable
gifts made during the year, by check or payroll deduction (check your December pay stub). But the little things add up, too, and you can write off out-of-pocket costs incurred while doing good works.
Ingredients for casseroles you prepare for a church or nonprofit organization's soup kitchen, for example, or the cost of stamps you buy for your school's fundraiser count as a charitable contribution. If you drove your car for charity in 2008, remember to deduct 14 cents per mile (or 35 cents a mile during the first half of the year and 41 cents per mile for driving during the last six months to aid victims of the floods and tornadoes in the Midwest).
Homebuyers tax credit !!
The credit goes to first-time buyers and that's anyone who hasn't owned a home during the previous three years and whose income isn't so high that Congress doesn't think they need the help.
The credit disappears as income rises from $75,000 to $95,000 on single returns and from $150,000 to $170,000 on joint returns.
** Now folks who buy their first home in 2009 between January 1 and November 30, get an $8,000 credit that's really a credit. It >never< has to be paid back.
DO check with your CPA.
The credit disappears as income rises from $75,000 to $95,000 on single returns and from $150,000 to $170,000 on joint returns.
** Now folks who buy their first home in 2009 between January 1 and November 30, get an $8,000 credit that's really a credit. It >never< has to be paid back.
DO check with your CPA.
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