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Archive for the ‘US Finance World’ Category

07
May

Extreme Multitasking: Surviving the Superjob

If you like the hazelnut tortamisu at Rioja, the top-rated Denver restaurant, thank pastry chef Eric Dale, who garnishes his sticky invention with gianduja chocolate and espresso crème anglaise. If you’re fond of the “flight of artisan water buffalo cheeses,” that’s him. And if you happen to pop your head into the bakery room and admire the tile job on the floor, you can thank Dale for that, too.

Ever since his boss, chef Jen Jasinski, discovered that Dale is handy, she’s had him doing double duty as the maintenance man. He’s spent hours repainting the oven, fixing the plumbing and installing a garbage disposal. And that’s just the start. He used to manage the dessert operation at one restaurant. When the recession hit, his boss asked him to take on a second location; now he’s up to three. All told, Dale says, his hours have expanded by a third, to more than 60 a week.

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03
May

How to pick an investment fund

We look at the top things to consider when picking which fund to invest in.

Returns on savings accounts are still pretty pitiful, so it can be very tempting to consider other areas where you may be able to make a better return on your money.

One such area is investment. Perhaps the simplest way to get a taste of investing is by doing so through a fund – rather than you having to pick out the individual stocks and shares to invest in, you put your money into a fund which is already invested into various areas of the market.

However, funds come in all different shapes and sizes, and can offer markedly different things. So how do you go about picking a decent one?

A good starting place is working out your own attitude to risk.

Are you happy to dip your toes into more volatile waters, in order to potentially make more significant profits? Or do you want a more conservative approach, with less chance of losing cash but equally less chance of monumental gains? A

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American Express Blue Cash Everyday(sm): Up to 3% Cashback, No Annual Fee, & $25 Sign-up Bonus

My primary credit card of choice is the American Express TrueEarnings Costco card. Its generous cash rewards program gives me about 2% cash back after all is said and done at the end of the year.

However, the one big downside to the Costco American Express is that you actually have to be a Costco member. Your annual Costco membership ($50) is automatically charged to your card every year. So, technically, if you own this card, you are a Costco member, whether you actually go there or not.

In my opinion, American Express is the best credit card company out there in terms of perks (Ill highlight some in this post). So what if you want an AmEx, but you dont care to be a Costco member or dont have the choice because there isnt one anywhere near you? Then the new American Express Blue Cash Everyday(sm) card is definitely worth a look.

American Express Blue Cash Everyday(sm) Cash Back Program

The Blue Cash Everyday(sm) card replaces American Expresss retired Blue Cash card.

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This is the fourth of a multi-part series on how to invest outside of a 401K. The whole idea for this series started when I was asking a group of about 30 co-workers if they invested outside of a 401K, and found out that ZERO of them did.

I later polled readers as to why they had not started investing outside of a 401k. And now we’re hitting each of the reasons why. The first part in the series dealt with the question of whether you should pay off debt or invest. The second on how to start an online broker account like Zecco or TradeKing. And the third on how to get over the fear of investing.

In this fourth part, well discuss investing theory, particularly why I prefer passive index investing over any other strategy.

Now that you have an online broker account, youve funded it, and youre armed with knowledge and motivation to not let your money sit in a hole in the ground, its time to get out there and trade like a pro!

Not so fast

The Market is Dominated by Institutional Investors

According to John Bogle, the founder of Vanguard, institutional investors own 70 percent of American corporations, up from 35 percent in 1975. A

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People who travel a lot usually use a credit card for hotels, restaurants, car rentals, petrol and gifts. Using cash for all these expenses and more can be dangerous. Using a travel rewards card instead makes both financial and security sense.

Travel Plan Types
Most travel reward plans offer a price-for-miles credit. Read more…