Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/274426632?client_source=feed&format=rss
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Thursday, January 3, 2013
Wall Street starts new year with a bang after "cliff" deal
NEW YORK (Reuters) - Stocks kicked off the new year with their best day in over a year on Wednesday, sparked by relief over a last-minute deal in Washington to avert the "fiscal cliff" of tax hikes and spending cuts that threatened to derail the economy's growth.
In 2013's first trading session, the S&P 500 achieved its biggest one-day gain since December 20, 2011, pushing the benchmark index to its highest close since September 14.
Concerns over Washington's ability to sidestep the cliff had driven the S&P 500 down for five straight sessions, before signs that a resolution was near sent the benchmark index higher on the final trading session of 2012.
The CBOE Volatility Index or the VIX <.vix>, Wall Street's favorite gauge of investor anxiety, dropped 18.5 percent to 14.68 at the close. The VIX has fallen 35.4 percent over the past two sessions, the biggest 2-day percentage drop in the history of the index.
The Dow Jones industrial average <.dji> jumped 308.41 points, or 2.35 percent, to 13,412.55 at the close. The Standard & Poor's 500 Index <.spx> gained 36.23 points, or 2.54 percent, to finish at 1,462.42. The Nasdaq Composite Index <.ixic> climbed 92.75 points, or 3.07 percent, to end at 3,112.26.
U.S. markets were closed on Tuesday for New Year's Day.
Market breadth reflected the strong rally, with 10 stocks rising for every one that fell on the New York Stock Exchange. All 10 of the S&P 500 industry sector indexes gained at least 1 percent. The S&P financial index <.gspf> shot up 2.9 percent.
The S&P Information Technology index <.gspt> gained 3.2 percent, including Hewlett-Packard
On Tuesday, Congress passed a bill to prevent huge tax hikes and delay spending cuts that would have pushed the world's largest economy off a "fiscal cliff" and possibly into recession.
The vote avoided steep income-tax increases for a majority of Americans, but failed to resolve a major showdown over cutting the budget deficit, leaving investors and businesses with only limited clarity about the outlook for the economy. Spending cuts of $109 billion in military and domestic programs were temporarily delayed, and another fight over raising the U.S. debt limit also looms.
"We got through the fiscal cliff. The next big thing, and probably more contentious thing, is negotiating the debt ceiling and possibly entitlement reform in early 2013," said Jim Russell, senior equity strategist for U.S. Bank Wealth Management in Cincinnati.
Hard choices about budget cuts and the critical need to raise the debt ceiling will confront Congress about the same time in two months "so the fur will be flying," Russell said.
U.S. stocks ended 2012 with the S&P 500 up 13.4 percent for the year, as investors largely shrugged off worries about the fiscal cliff. For the year, the Dow gained 7.3 percent and the Nasdaq jumped 15.9 percent.
Bank shares rose following news that U.S. regulators are close to securing another multibillion-dollar settlement with the largest banks to resolve allegations that they unlawfully cut corners when foreclosing on delinquent borrowers.
Bank of America Corp
Shares of Zipcar Inc
Shares of Apple rose 3.2 percent to $549.03, helping to lift the S&P information technology index <.gspt> up 3.2 percent following a report that the most valuable tech company has started testing a new iPhone and a new version of its iOS software.
Economic data from the Institute for Supply Management showed U.S. manufacturing ended 2012 on an upswing despite fears about the fiscal cliff, but the Commerce Department reported that construction spending fell in November for the first time in eight months.
Volume was heavy, with about 7.8 billion shares traded on the New York Stock Exchange, the NYSE MKT and the Nasdaq, well above the 2012 daily average of 6.42 billion.
(Reporting by Chuck Mikolajczak; Editing by Jan Paschal)
Source: http://news.yahoo.com/stocks-poised-rally-fiscal-deal-101327376--finance.html
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Wednesday, January 2, 2013
Basics: Why you need the internet, Nanna - Gadget Guy Australia
The internet offers conveniences that we couldn?t have conceived of 20 years ago. Errands that used to take hours can now be accomplished with a few clicks. You don?t need to drive around, find parking or wait in hold queues on the phone. What?s more, it lets you quickly compare options. Want the cheapest price on an item you?re interested in? Just check the websites of online stores or do a search on a shopping aggregator site ? no need to go from store to store.
There are many other ways the internet can help you out as well. You can keep in touch with friends and family; play games with other people without either of you needing to leave your home; secure your precious photos with a backup service; navigate with maps and even watch movies and TV shows. Once you?ve had a taste of the conveniences the internet has to offer, you won?t be able to go back!
When you connect to the internet, you have access to millions of websites that make it quicker and easier to fulfill everyday tasks like paying bills, shopping and keeping in touch.
First, though, there are a few things you?ll need before you can connect to the internet. These include:
i) An internet-connected device, such as a PC, tablet or smartphone
ii) An account with an Internet Service provider (ISP), such as Telstra, Optus or iinet, plus a broadband modem/router for connecting to internet devices at home, or
iii) A mobile broadband internet account, plus a SIM card, USB modem or wireless modem for connecting to the internet inside and outside the home using 3G/4G mobile phone networks.
Do all your banking and pay bills online
Every major bank and credit union in Australia now offers net banking. Net banking lets you check your finances, transfer money between accounts, redeem rewards, change credit limits and just about everything else you needed to go to a bank teller for in the past. They all also support BPAY, a method for payment of bills ? no paperwork, phone calls or credit card details required.
If you?re looking to use net banking services, you can find the websites of the major banks by opening your web browser and searching under ANZ, Commonwealth Bank, NAB or Westpac.
Register for internet banking and you can manage your accounts, transfer money and pay bills without leaving the house.
Email and social networking
Email lets you send letters, for free, to as many people as you like. They arrive instantly, and can be replied to straight away. A good place to start with email is opening www.gmail.com in your computer?s web browser. Gmail lets you send and receive email without having to install anything on your computer. You can even log onto it from anywhere. You just need to create an account with Gmail to get started.
Social networking has also become very popular. Social networking tools like Facebook allow you to chat at any time with friends and family who are online, share your photos with them, play games over the internet and much more.
Do your taxes (including GST) online
The Australian Taxation Office has a range of tools that will let you do all your taxes ? personal and business ? online, with all fields auto-calculated and an on-the-spot summary of your account. You can even pay your tax bill online.
You can do all your taxes online by heading to www.ato.gov.au in a web browser. You?ll need to sign up and install the ATO?s security software, but once you?ve done that you can do all you personal and business banking without the need for filling out endless forms.
Plus, when you register online with Centrelink you can access a range of services. You can claim a range of payments, receive forms and information, and update, view and print your details without having to wait in any queues.
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Fiscal Cliff Deal Could Hurt Charitable Giving - Government ...
Legislation the Senate passed Tuesday to avoid the fiscal cliff? would place limits on how much wealthy people could claim in deductions for charitable contributions and other spending when they itemize their tax returns.
The House still needs to approve the deal passed by the Senate; otherwise the tax increases and spending cuts that took effect today will stay in effect.
The Senate legislation would raise the top tax rate to 39.6 percent on household incomes above $450,000 but maintain current rates for everyone else, or about 98 percent of all Americans. It also delays for two months the $110-billion in federal spending cuts scheduled for 2013.
Throughout December nonprofits have been lobbying Congress and President Obama not to impose limits on the tax savings wealthy donors get when they make charitable contributions.
The Senate plan enacts limits that charities have opposed. It reinstates a provision eliminated in 2010? that reduces the value of itemized deductions by 3 percent for household incomes over $300,000. Write-offs grow more limited the more taxable income a person has, and could reduce the value of deductions by up to 80 percent for the highest-income taxpayers, according to the Tax Policy Center.
The 2010 limits have long been opposed by charities. Independent Sector noted that the limit could reduce giving in its February analysis of the idea, which was included in President Obama?s 2013 budget proposal.
The organization, which represents about 600 nonprofits, also signed a letter this summer from the Charitable Giving Coalition?to Sen. Harry Reid, the Democratic majority leader in the Senate, stating its opposition to the deduction limits.
The letter, signed by nearly a 30 of the nation?s largest nonprofit organizations, said the limits would ?result in fewer contributions flowing to America?s charities which are now being asked to provide even more services to the most vulnerable among us.?
The Senate measure also called for a serious overhaul of the tax code. If the House goes along with the legislation, that means charities could spend much of 2013 fending off tax changes they fear would deter giving.
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The Best Investments During Inflation? | Penny Stocks
Posted on 02 January 2013.
What Are the Best Investments During Inflation?
The best investments during inflation are those that can keep your bank account ahead of the rising consumer price index. If you are planning on retiring or simply want to keep your same standard of living as inflation rears its ugly head, you have to plan for the future. The market is very different in times of inflation, and learning the tips for today?s market will only get you so far. Instead, try to think about what people will want and need when prices start to go up.
Choosing the Best Investments During Inflation
If you want to choose the best investments during inflation, you have to apply a bit of logic to the process. When prices go up, consumers tend to forgo certain luxuries. Spending on everything from automobiles to consumer electronics will go down, thus reducing the value of the stock in companies that produce those goods. There are certain items, though, that consumers cannot live without. If you want to look for the best investments to during inflation, look at things that people need. Energy, for example, will continue to be a necessity so consider investing in oil or natural gas. Likewise, items needed for shipping or construction will still be in demand, so look at stocks or commodities related to those fields.
Picking your winners during inflation can be difficult, but it can be done. If you use a bit of logic, you will usually be fine. If you really want to get ahead, though, you should continue your research into trends even as the level of inflation continues to rise. After all, those who do the best tend to be those who can predict the trend before it even begins. Choosing your best investments during inflation is not just a matter of making the right choice today, but continuing to make those choices as the market changes.
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Source: http://www.stockrockandroll.com/investing-2/the-best-investments-during-inflation/
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Boat Speed Seminar | East Greenwich Sports & Recreation Events ...
The East Greenwich Yacht Club is a private club for boaters that's been around since 1905. Members have either moorings or slips on one of the several docks the club owns near the mouth of Greenwich Cove. There are 10 to 15 moorings available to transient boaters.
A clubhouse and a bar are open to the public on Wednesdays, Fridays and Saturdays from 4 to 8pm during summertime. The clubhouse also functions as a event facility that can be rented by the public.
Source: http://eastgreenwich.patch.com/events/boat-speed-seminar
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Source: http://elolokagemep.posterous.com/boat-speed-seminar-east-greenwich-sports-recr
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Bachelor's Degree in Early Childhood Development - Career with ...
January 2nd, 2013
Early childhood education focuses on the instruction of children between 4-11 years old. It is a field that is growing by the minute and interest within it is expanding across the globe. People are realizing just how important these initial years are, and that teaching children of such a young age requires a different kind of expertise.
Childhood is a time of constant discovery, learning and growth, and we must do everything we can to foster learning in this time in an environment that is conducive to learning and comfortable for young children. Keeping this in mind, many colleges have designed programs aimed specifically at providing the skills needed to be an effective child care worker and teacher.
If you are interested in early childhood development, then you can kick start your career with an Online Degree in ECD.
What Will You Learn?
ECD programs emphasize:
- Planning, developing, and implementing family and community-building strategies
- Evaluating observation and assessment techniques to inform instructional planning for children and families
- Creating effective learning environments for young children
- Demonstrating sound professional standards and ethical values
- Understanding the importance of individuality and cultural diversity
Child growth, health and nutrition, lesson planning and ethics form the backbone of any program.
Typical Courses in Early Childhood Development Degree
To enroll in a bachelor?s program you should have a high school diploma or equivalent. The program takes anywhere between four to five years to complete and you should ensure that the college you choose is accredited.
Typical coursework will include:
- Youth development
- Math education for children
- School safety
- Technology for teachers
- Developing youth literacy
- Teaching children with special needs
- Youth psychology
- Children?s nutrition
- Student assessment
If you want to become a teacher, you will have to engage in additional teaching certificates. Each state has its own set of requirements for teaching professionals so you should research those in-depth. However, an Undergraduate Degree in ECD can be invaluable to your career is you aspire to teach as it gives the basic foundation on which you can build upon further.
Career Prospects
The growth rate is expected to be about 20 percent till 2020. Trained professionals will be in high demand as more jobs open up and parents realize the importance of early childhood development. Graduates can work in day care centers, head start programs, elementary schools, hospitals, recreation centers, after-school programs, and other childcare oriented businesses.
Parents are also relying more and more on childcare outside of the home as they work longer hours to meet economic needs. Some parents even take these courses in order to become better informed caregivers.
Qualified graduates can use their skills in switching to careers in nursing, dental hygiene, education and business.
Enroll in an Undergraduate Degree in ECD and on your way to perfecting the art of care giving.
Source: http://careerwithonlinedegrees.com/bachelors-degree-ecd/
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