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Davos Update: SAP Investing $6.6M in Entrepreneurship …

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Davos Update: SAP Investing $6.6M in Entrepreneurship …

TodaySAP made two announcements covering how the company will encourage both entrepreneurship and sustainability.
Triple Pundit: People, Planet, Profit

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Six Things Dating Teaches Us About Investing

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Six Things Dating Teaches Us About Investing

Investing: The receptionist was pleasant, but the carpets were dull and the musty furniture reminded you of grandma's place in Brooklyn. You were ready to take your money to that Private Wealth Management Firm with the white marble staircase and baby
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Your Questions About Stocks And Bonds Game

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Ken asks…

Re: 401k, are ‘bond funds’ or ‘cash reserves’ a safer choice right now until the market stabilizes?

I still have a long ways until retirement (approx 30 years), but if the market crashes completely is it possible for my 401k (which is very heavy in stocks right now) to be wiped out completely? I don’t want to play the guessing game and try to short anything, I’m just wondering if the ‘cash reserves’ are safe (or safer) from a market crash? Also, would bond funds lose money if the market surged unexpectedly, or would they simply not gain as much as stocks? I was just looking for a stable place for my 401k savings to rest until the market sorts itself out. I have some IRAs with money in Fidelity Cash Reserves, but my main 401k is locked into Fidelity with these options for bond funds: Fidelity Managed Income Portfolio II Class 2, PIMCO Total Return Inst CL, Vanguard Total Bond Mrkt Index Inv CL. What is the ‘safest’ choice right now???

financi4 answers:

Absolutely Fidelity Cash Reserve. Bond funds are a very bad investment options because the Fed has lowered interest rates to save their buddies on Wall Street. When those interest rates are raised back up to normal levels existing bonds will drop like rocks. But one of the best bond funds on the market today is the PIMCO Total Return.

James asks…

Financial Accounting help!!!?

I am in beginning Accounting in college and I am stuck on this stupid problem.. Please help me!!

Exercise 9-1 Compare financing alternatives (LO1)

Penny Arcades, Inc., is trying to decide between the following two alternatives to finance its new $24.7 million gaming center:

a. Issue $24.7 million of 6% bonds at face amount.

b.Issue 1 million shares of common stock for $24.7 per share.

Requirement 1:

Assuming bonds or shares of stock are issued at the beginning of the year, complete the income statement for each alternative. (Round your “Earnings per Share” to 2 decimal places. Omit the “$” sign in your response.)

I need to find each of these:

ISSUE BONDS:

Interest Expense:____
Income Before Tax:_____
Income Tax expense (35%):_____
Number of shares: 3,010,000
Earnings per share (Net income / # of shares):_____

ISSUE SHARES:
Everything is the same except it does not ask for Interest expense and the Number of Shares is 4,010,000..

For both the bonds and shares the operating income is 11,600,000

I am not sure if yall can help me with this but if you can please do so..

financi4 answers:

Alternative 1 ( if finance raised by bond issue)
$m (calculation)
Operating Income 11.6
intrest expense: 1.48 (24.7 * 6%)
profit before tax 10.12 (11.6-1.48)
Tax 3.54 (10.12*35)
Profit after Tax 6.58 (10.12-6.58)

earnings per share 2.19 (6.58/3.01)

——————————————————————————
Alternative 2 ( if finance raised by share issue)
$m (calculation)
Operating Income 11.6 (as given in question)
intrest expense: – – (as no bond issue so no interest payment)
profit before tax 11.6
Tax 4.06 (11.6 * 35)
Profit after Tax 7.54 (11.6 – 4.06)
(or net profit)
earnings per share 1.88 (7.54/4.01) as new shares will be issued and will thus increase
numbe of shares and lower earnings per share

Best of luck

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Ask Matt: Should I still be invested in China?

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Ask Matt: Should I still be invested in China?

Q: Is it best to avoid investing in China since the economy seems to be slowing? A: Investors might be wondering what the Chinese word for bear market is. Investors who piled into Chinese stocks, figuring that economic growth there would trounce the U
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Some Ohio colleges beat US average in investing

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Some Ohio colleges beat US average in investing

Photos · Video · Podcasts · Today's Paper. Hot Links: Photos: The Grammys · Tracking killer space rocks · Ohio mayor resigns after anti-gay slurs · Send us your food pictures · Home · News · Education; Some Ohio colleges beat U.S. average in
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Columbus Dispatch
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Your Questions About Invest In Gold Bullion

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Chris asks…

How can I invest in gold bullion?

I would like to have some – a small amount – to keep at home, and the larger amount to be kept insured in some secure place.

Is this possible? How can I go about this?

financi4 answers:

Gold is one of the best investments for all times.
Bullion you can buy trough at least several companies.
Make easy search for example “buy gold bullion” and choose for
yourself.
But there is some inconviniences too -there is a some hefty comission involved upon buy and sell.
Also you have to worry about keeping it at home or paying safe deposits fee in the bank.
I thing one of the best way to own Gold is trough gold tracking stock -ticker is GLD- it tracks absolutely the price of gold.
If you wanna have some gold on your hand you can buy some gold coin.

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Your Questions About Checklist Question Example

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Donald asks…

Should I commit suicide? Do my parents love me? If they don’t, should I let this affect me?

I know this question may seem trivial to some people, but do really love my parents. So it hurts every time they call me stuff like ‘immature’, ‘lazy’ and ‘bad’ when I am trying my best.

This is what made me feel this way today:
I gave my mom the financial aid application and I had the intention of asking her some information to fill out her part and my part–but somehow she thought that doing it herself would be quicker.
Since tomorrow was the priority deadline (not official, since it is early action and tax hasn’t been collected for 2009 yet), I was thinking that everything was okay, and that it wouldn’t take that much to finish it quickly. However, I was wrong. I clearly saw that I am at fault, and I feel bad about it. The only thing was that I was only notified by the university the weekend before the deadline that I had to submit the PROFILE tomorrow through an e-mail, there was no indication in their application checklist that I had to finish that. Thus, I wasn’t able to get a head start to it. Though I would understandably know why she may cal me ‘immature’, ‘selfish’, and ‘lazy’, it’s been happening all the time, and not only in this incident.

In school, on the other hand, I am the ‘responsible’ one. I am the type who studies 4-6 hours a day, sacrifices my Saturdays studying, and studying at least 5 hours for a quiz and 10-15 hours for an exam. I am also active in terms of extracurricular, joining the Junior Achievement program in my city and contributing significantly to our group’s science project (where we make our own experiment and present it to the school). Though I may have a bad habit of procrastination sometimes, I still manage to get everything done by the deadline.

In everything I do, I try to put my best effort. I am not the smartest kid my parents would want, since I get mid 80s to high 80s at best, I take a demanding course load (all honors except Chemistry IB, Physics, Calculus and Latin.. making it a total of 7 subjects this year. However, I took all honors/IB in prior years). I’m an honors student. I’ve won awards displaying my hard work in school. Many of my teachers and classmates commend me for that.

But my parents still think I’m lazy, immature and bad. They think that I have evil intentions every time I do something. For example, concerning the financial aid application, my mom said I ‘lied’ when I told her that the preliminary stage was it,.. that’s what I thought too!! It’s my first time doing a financial aid application and my counselor knows nothing about financial aid, so I’m at a disadvantage. I didn’t know that she had to put everything we spent in that application, I’m new to the process too. Furthermore, she said her side of the story. I am dissapointed when parents don’t hear the children’s side of the story. As long as the parent said it, that’s it! Because of this, I don’t feel loved. I have a younger brother who plays video games all the time, does not do his chores, and gets 60’s-70’s in school and they talk to him more than me. Sometimes I feel like it’s because of me. Maybe they don’t love me. Maybe they wish it was just my brother that existed. That’s why I’ve been thinking about suicide lately. Recently, I’ve felt like I’ve been the reason for my mom’s misery. She always complains when I let her read my essay, saying that I’m a ‘bad writer’ and that I don’t deserve to graduate from Grade 12 English (I have an 84 in English Honors btw). I think my parents have really high expectations for me, and I feel like that if I don’t fulfill those expectations, both my dreams and their dreams for me will die. They try to reassure me that it doesn’t matter, but there’s that unseen pressure. My mom always talks about California, how she wants to move their eventually when I go to my ideal school there. Thing is, I don’t know if I’ll get accepted to my ideal school.

Maybe they’ll be happier when I’m dead. Maybe all their problems will be solved if I just didn’t live anymore. Every second of my life seems to bring more hurt to them, how can I stop it? Weary myself to death from starvation and overwork? Perhaps fainting from exhaustion while walking home in the blistering snow, where no one can notice? Dying in the cold? Maybe. I just need to know if they love me.

Justin answers:

They’re your parents. Of course they love you.
Don’t listen to them when they tell you you’re not good enough. Continue to try your hardest to make them proud, but don’t get worked up if they don’t directly tell you how proud they are of you.
Nothing, but especially something like this, is worth taking your own life. You will eventually get through this and become a stronger person.
Hang in there and keep trying your hardest. You can get through this.

David asks…

I have a massive party on monday… what do I need to do this weekend?!?

This question sounds a bit weird, I know but here goes.

I have a MASSIVE event coming up on monday. Its at a huge hotel, very very formal (I already have my dress!) but I always seem to run out of time or do things too early, so Im trying to complile a checklist of things I need to do to prepare myself for this big do.

I need some help – I always seem to forget something! Sooo please give me a hand! Do you have a beauty regime you do before a big event? I dont want to forget anything … 😀

(for example, when should I do my nails, wash my hair, face packs etc? Should I leave my hair a bit dirty If Im wearing it up? Fingernails that day or night before? shave my legs that morning? Or tomorrow night? aaaagh!)

Justin answers:

I am the exact same way!
Nails:
Clipped, filed (if needed) painted day of (can do night before if your nail polish stays well.)
Toenails too if your wearing open toe heels/shoes

Hair wash Sunday morning/afternoon- give it some time. (not get dirty, but so it wont be too dry.)
It depends on what you want to do with your hair.

Face packs I say night before or morning of. Make sure it doesn’t dry out your skin, if it does moisturize.

Shave morning of or night before, before you head for the party put lots of lotion on.
Shave underarms day of if your wearing sleeveless dress. (deodorant! If its a dance party carry it in your purse if you can)

Make sure your eyebrows are done and clean!

As for time, Depending on how you do your hair and much you complete the night before, I would say give yourself PLENTY of time. At LEAST 2 hours.

Take things in your purse for touch-ups like deodorant, lip gloss, make up touch ups, lotion ex.)
would say pack your purse the night before, and be prepared for anything!

Make sure you have your accessories picked out if your going to wear any (rings, necklace, hair things)

Make sure you know where everything you need is. It would be horrible if you took 30 minutes trying to find that curling iron to do your hair, or to find that one necklace you only wear for special occasions.

Make sure that what your doing with your hair your positive its going to work. (one time I thought I could curl my hair a certain way for the first time and it turned out to be a disaster, I had to wet my hair and start over with something else which made me late to the party.)
Hope this helps! Good luck 🙂

Paul asks…

Can psychopaths be legally in the right while being morally wrong, preying on the weak?

I know of situations in which innocent and vulnerable people were taken advantage of by those who have no regard for others (psychopaths). Sometimes by the power of persuasion (a typical trait of psychopaths) or by finding loopholes or by misleading contracts (or be any combination of these) they attain their means at the expense of their victims.

It is well-documented that some psychopaths (clinically speaking – see Robert Hare’s checklist for psychopaths) find legal means to do such things.

I know that for some here, if something’s legal, that’s the be-all and end-all, but for others it doesn’t end here. To them morality is the key issue. I know that things that have been legal in the past are not legal now (for example, loopholes have been filled).

Now, with all the preceding information it is only logical that loopholes that exist in the present will be filled in the future, and those who don’t change their ways will ‘become’ criminals.

My question is: are such people wrong before the loopholes are filled? Some will say that ‘wrong’ is relative, but new laws are made because legislators recognize that certain actions are wrong – that’s the basis for making them illegal. So I would say that legislators recognize that wrongness is not merely relative.

So: Is there right and wrong that exist outside the law and that should (and may in the future) fall in the realm of the law, or are such concepts irrelevant regardless of who suffers at the hands of whom?

Justin answers:

The law exists precisely because morality cannot be enforced. It is not irrelevant, simply unenforceable, just as the definitions of right and wrong vary greatly among societies and individuals. Where would you draw the line between free will and vulnerability? The only way to completely protect the innocent would be to deprive them of their right to make their own decisions and learn their own lessons. I take it that you or a loved one has been taken advantage of. Life can sometimes be a very cruel teacher. The law cannot reform the sociopathic mind; it can only punish their worst actions. By the way, there is a difference between psychopaths and sociopaths.

Thomas asks…

Where can I find a checklist for beginner pilots?

I just started taking pilot lessons and my instructor had a checklist for everything from preflight to postflight. Where can I find one online to print out for myself?

Justin answers:

There are assorted checklists available for all the popular training airplanes on the internet. Just do an internet search on “checklist…” and add the aircraft type. For example, “checklist cessna 152” brings up gobs of checklists you can choose from.

Have fun.

Ken asks…

How can I find a checklist of baseball cards in a certain set?

For example, I want to find every card in 2005 bowman draft. All 165 cards. where could I find this?

Justin answers:

Try a beckett or a Krause Catalog at the library.

James asks…

where do I find a checklist for vacation? I want a list that tells number each item?

an actual list of each item you can put in the number of each. example 5 pairs of socks, 3 pairs of jeans. I had the form on my old computer, but that is gone. Now I need some help.

Justin answers:

Have you not heard of the great new inventions

Pen & Paper

William asks…

Can I please have a checklist for a sun conure?

I am getting one in the near future and would like to know everything I need for this bird. For example, the cage size and type, supplies, etc.
I do not have any wrong words. Maybe it’s you that can’t read.

Justin answers:

– Large parrot cage
– Conure-specific diet – try Zupreem or a similar pellet diet
mixed with a high quality seed/fruit/nut mixture.
– Toys, Toys, Toys
– Sturdy food & water bowls
– Regular and concrete perches
– Newspaper or corncob bedding
– Treats
– Cage cover
– Fresh fruit, fresh cooked meat, fresh vegetables, nuts, pasta,
bread, etc. – conures need fresh food as well as parrot food.
– Poop-Off- works great for oopses.
– Bird tree – one of those big plastic or wood jungle gyms for birds to put outside their cage. It’s good to have somewhere else they can go instead of wandering the house destroying stuff.
– Bird vitamins
– The number of a local avian vet for emergencies.

Robert asks…

What is the difference between an anecdotal record and running record?

Maybe with an example for each so I can understand better. Thank you!

Justin answers:

Anecdotal record

http://www.ncrel.org/sdrs/areas/issues/methods/instrctn/in5lk37.htm An anecdotal record is “a written record kept in a positive tone of a child’s progress based on milestones particular to that child’s social, emotional, physical, aesthetic, and cognitive development,” notes the American Association of School Administrators (1992, p. 21). The teacher observes and then records a child’s actions and work throughout the day while the activities are occurring. The recording is informal and typically is based on notes or a checklist with space for writing comments. It is done only when appropriate and is not forced; in fact, there may be days between entries

Anecdotal record is usually used with pre kindergarteners.

Running record

http://en.wikipedia.org/wiki/Running_record A running record is one method of assessing a child’s reading level by examining both accuracy and the types of errors made. Iit is most often utilized as part of a Reading Recovery session in school or any education center.

Joseph asks…

What do i need in order to start a business?

What are the steps to set up a business. For example a small restaurant or a printing business. What do i need?

Justin answers:

Use this basic checklist to make sure all the important steps are taken before you launch your new venture. This business checklist will make sure that you cross all your t’s and dot all your i’s before your business launch.

Steps to Starting a Business –
http://www.developer-resource.com/starting-a-business.htm

Other sites you might find helpful are:
SBA – http://www.sba.gov/
SCORE – http://www.score.org
Small Business Resource – http://www.small-business-software.net
Business Link – http://www.businesslink.gov.uk/bdotg/action/home

Goodluck!

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