Everyone is allowed to get a free credit report annually or whenever you are turned down for credit.
AnnualCreditReport.com. 'AnnualCreditReport.com processes requests for free credit file disclosures (commonly called credit reports). Under the Fair and Accurate Credit Transactions Act (FACT Act) consumers can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies. AnnualCreditReport.com provides consumers with the secure means to do so.'
EverBank.com. One of their products is 'World Currency Accounts ... Deposit accounts and CDs denominated in any major world currency.'
Google.com. You can do conversions right from the search bar. EG: "1 USD in PHP" for a U.S. dollar in Philippine pesos. Some other currencies I frequent in the ISO 4217 standard: EUR (euro), CAD (Canada dollar), GBP (U.K. pound), AUD (Australia dollar), JPY (Japan Yen), MXN (Mexico peso).
GPOAccess.gov/indicators. 'GPO Access is a service of the U.S. Government Printing Office that provides free electronic access to a wealth of important information products produced by the Federal Government.'
Dow Jones [http://www.dowjones.com/]. 'Publish the world's most vital business and financial news and information in any form, time or place to create the greatest value for our customers, employees and shareholders and for the benefit of free people and free markets.' Since 1882.
It has been estimated that all the refined gold in the world would form a 20 m cube.
Gold mass is in troy ounces (1 troy ounce = 20 pennyweights = 480 grains = 31.1034768 g). 1 troy ounce = 1 apothecary ounce but each divides differently. Gold is NOT measured in avoirdupois ounces, i.e. the US or UK ounce (1 ounce = 0.028349523125 Kg = 28.349523125 g). What a joke! This should all be done in grams in order to avoid confusion.
Gold coin. Distinguish between collectable minted gold coins versus bullion gold coins.
Bullion gold coins typically come in troy ounces of gold: 1, 1/2, 1/4, 1/10, and 1/20. Coins less than 24 karat have an alloy mass greater than the gold mass. The stamped face values are symbolic (EG: $50 on the 1 oz American Gold Eagle) do not reflect the market value of the gold.
Krugerrand. South African. Since 1967. 22 karat: 91.67% pure.
Kitco.com. 'Since 1977,Kitco has earned a reputation as one of the world's premier retailers of precious metals.We offer a complete line of the highest quality bullion bars and coins for investors and refining services for the jewelry manufacturing industry, as well as mill products.'
ShipOfGoldInfo.com. 'Discover the truly heroic story of the sinking and recent discovery of the SS Central America, the worst peacetime disaster at sea in American History. Find where the sensational "Ship of Gold" exhibit is scheduled to appear and how individuals may acquire SS Central America gold relics for private estates.'
'FlyLady uses the Sidetracked Home Executive (SHE) system as a basis for organizing her home and her life. She adds humor, spunk, and a dose of common sense to her advice, but be prepared - FlyLady does not allow whining. You have to get off your "Franny"!'
Aka: Federal National Mortgage Association (FNMA); NYSE: FNM;
'Our public mission, and our defining goal, is to help more families achieve the American Dream of homeownership. We do that by providing financial products and services that make it possible for low-, moderate-, and middle-income families to buy homes of their own.'
'Fannie Mae is a private, shareholder-owned company that works to make sure mortgage money is available for people in communities all across America. We do not lend money directly to home buyers. Instead, we work with lenders to make sure they don't run out of mortgage funds, so more people can achieve their goal of homeownership.'
Joint Center for Housing Studies [JCHS.Harvard.edu]. 'The Joint Center for Housing Studies is Harvard University's center for information and research on housing in the United States. The Joint Center analyzes the dynamic relationships between housing markets and economic, demographic, and social trends, providing leaders in government, business, and the non-profit sector with the knowledge needed to develop effective policies and strategies.'
Modern Portfolio Theory. ' Basic portfolio theory was originated by Harry Markowitz (Nobel Prizewinner) in the early 1950's. While investors before then knew intuitively that it was smart to diversify (ie. Don't "put all your eggs in one basket.") Markowitz was among the first to attempt to quantify risk and demonstrate quantitatively why and how portfolio diversification works to reduce risk for investors. He was also the first to establish the concept of an "efficient portfolio". An efficient portfolio is one which has the smallest attainable portfolio risk for a given level of expected return (or the largest expected return for a given level of risk). '
'Action Without Borders connects people, organizations and resources to help build a world where all people can live free and dignified lives. Action Without Borders is independent of any government, political ideology or religious creed. Our work is guided by the common desire of our members and supporters to find practical solutions to social and environmental problems, in a spirit of generosity and mutual respect.'
Current  tax systems. Of course on all levels there are all sorts of other taxes and fees for things.
The US tax system is a progressively graduated income tax system, i.e. the rich pay more, with a complicated system of deductions and exemptions.
The states levy an income tax system similar to the federal but they also levy a state sales tax. The state income tax system is much simpler than the federal because the state uses the calculations from your federal income tax.
Municipalites charge sales tax.
The political arguments over taxes are twofold:
More or less. This is actually a non-issue. If the government provides services, then it needs to tax.
Progressive, flat, or regressive.
FairTax (aka National Sales Tax). Under this system people pay taxes for consumption but not on their income or investments. This sound right except that this inevitably leads to a regressively graduated tax system. The poor would pay proportionately more taxes than the rich since a poor woman spends a great portion of her income on taxable items, whereas a rich man spends a tiny fraction of his income on taxable items.
FairTax.org. 'Simply put, the FairTax replaces the way we're currently taxed - based on our annual income - with a tax on goods and services. The FairTax is a voluntary "consumption" tax: the more you buy, the more you pay in taxes, the less you buy, the less you pay in taxes. '
A lousy article. I'm only writing about it to defend Liberals. I can't believe that the this guy makes money writing for TownHall and the NRO.
' Consumption taxes are less burdensome than income taxes because of the way they treat saving. Under an income tax, all returns to saving and investment -- interest, dividends, rent and capital gains -- are fully taxed. Under a consumption tax, they would be exempt. Consequently, saving and investment are much higher with a consumption tax than an income tax. That is why European countries, which all have tax burdens much higher than ours but also raise more of their revenue by taxing consumption, are still able to grow. '
The last sentence is useless.
' Liberals also make the mistake of assuming that a consumption-based tax system is regressive -- taking more out of the pockets of the poor than the rich. In fact, over one's lifetime, consumption is roughly proportional to income, because over a lifetime we eventually consume all our income. Thus, a tax on consumption will also be roughly proportional -- taking the same percentage from all taxpayers. '
No, a rich man does not eventually consume all of his income over his lifetime.
' Simultaneously, most of those who would be considered rich weren't after a few years -- 5 percent fell all the way from the top tax bracket to the bottom bracket. '
LOL! Since when is 5% equivalent to most? Even if it's a typo, the richest 5% tend to stay rich. Only an idiot could blow that much money.
' Adopting a consumption-based tax system will help more Americans become rich. That is another reason why liberals oppose it. '
Liberals have nothing against people becoming rich.
Flat Tax. Under this system everyone pays the same percentage of their income on taxes regardless of their income level. The
IRET.org. Institute for Research on the Economics of Taxation is 'dedicated to the belief that constructive, free-market economic policies are essential for the nation's economic progress, and that the private sector is the principal engine of economic growth. Constructive public policies, in IRET's view, must be more than just politically attractive; they must make economic sense as well.'
TaxAnalysts.com. ' This is where better tax law and smarter tax debate begins, flourishes, and never really ends. This is where the largest staff of reporters and editors dedicated exclusively to tax issues publishes up-to-the-minute news. This is where the "great pens" in tax commentary express themselves and challenge the "great swords" in government to simplify the enormous complexities of taxation. Welcome to the great debate. Tax Analysts. Respectfully disagreeable since 1970. '
TaxHistory.org. ' a public service initiative from Tax Analysts. Established in 1995, the Project provides scholars, policymakers, journalists, and the general public with information on the history of U.S. public finance. '
OTC Bulletin Board (OTCBB) [OTCBB.com] [W]. A regulated quotation service for stocks not in the major stock exchanges. OTCBB is owned by the National Association of Securities Dealers (NASD), which has delegated authority from the SEC. NASD formed NASDAQ in 1971 but has since separated from it. Ticker symbols: 4-5 characters.
'The primary mission of the U.S. Securities and Exchange Commission (SEC) is to protect investors and maintain the integrity of the securities markets. As more and more first-time investors turn to the markets to help secure their futures, pay for homes, and send children to college, these goals are more compelling than ever.'
Pink Sheets [http://www.pinksheets.com/] [W]. While OTC trading is not as well regulated as exchange trading, Pink Sheets allows trading at an even lower level with even less regulation. Pink sheet stocks are frequently suffixed with ".PK" or ".P".
Option (finance). A contract between a buyer=holder and a seller=writer, where the buyer has the right=option to buy (a call option) or sell (a put option) certain financial instruments at a set price=strike price on or before a future date=exercise date. The buyer has the "long" position and pays an option premium to the seller who has the "short" position.
Short selling. Borrowing and selling stocks now, in the hope that the price will drop so you can buy and return stocks later. This is hoping to "sell high and buy low" instead of the usual hope to "buy low and sell high".
Stock. Security based cash instruments that are also equity instruments.
International Monetary Fund (IMF) [imf.org]. 'The IMF is an organization of 184 countries, working to foster global monetary cooperation, secure financial stability, facilitate international trade, promote high employment and sustainable economic growth, and reduce poverty. '
Leithner.com.au. ' Leithner & Co. Pty. Ltd. is a private investment company based in Brisbane, Australia. It adheres strictly to the traditional "value" approach to investment pioneered by Benjamin Graham and adapted by his colleagues Warren Buffett, Thomas Knapp and Walter Schloss. Leithner & Co.'s motto is its method: to undertake investment operations which are based upon thorough research; to provide reasonable safety of principal and offer an adequate return; and to inform shareholders regularly, fully and in plain language about these investment operations. '
Prosper.com. "The online marketplace for people-to-people lending".
Solari.com. 'Our intention is to make healthy local living economies the best investment worldwide, offering investment vehicles for regional and global investors to participate in the local equity financing and resulting capital gains.'
TCalc.com. Some nice financial calculators available online or for adding to your own site.
WorldBank.org. ' The World Bank Group's mission is to fight poverty and improve the living standards of people in the developing world. It is a development Bank which provides loans, policy advice, technical assistance and knowledge sharing services to low and middle income countries to reduce poverty. '