background preloader


Facebook Twitter

Foreign Currency Account in UK. TransferWise is an authorised Electronic Money Institution independently regulated by the Financial Conduct Authority (FCA) in the UK.

Foreign Currency Account in UK

This means we're required by law to keep your money safe by storing it in a low-risk financial institution - in Europe this is in our UK account with Barclays, in the US this is in our US account with Wells Fargo. These accounts are reserved for customer money, this means your money is kept in a separate account from the money we use to run the business. In the unlikely event TransferWise ceased to exist, your money would be paid back from this account, ie from Barclays or Wells Fargo, however it is not covered by the Financial Services Compensation Scheme (FSCS) and therefore is deposited at your own risk. You also cannot earn interest on the money in your TransferWise account. Millions of customers trust TransferWise with their money. Graph Paper. Science Teaching Series Internet Resources I.

Graph Paper

Developing Scientific Literacy II. Developing Scientific Reasoning. S&P 500 Earnings. Stingy Investor: 6 Graham Stocks for 2013. 6 Graham Stocks for 2013 My version of Benjamin Graham's time-tested strategy for defensive investors yielded double digit gains this year.

Stingy Investor: 6 Graham Stocks for 2013

Let's take a look at the method, how it has done over the long term, and this year's group of Graham stocks. You can see the full performance record for my take on Graham's strategy in the accompanying table. I'm happy to report that it has outperformed the S&P500 (as represented by the SPY exchange-traded fund) in nine of the last twelve years and often by a large margin.

If you had bought equal dollar amounts of the Graham stocks and replaced them with the new crop of stocks each year, you would have gained 681% (19% annualized) over the full period. 'Obamacare' individual mandate has no teeth. If, like most real estate professionals, you’re self-employed, you have to obtain your own health insurance unless you can obtain coverage through a spouse.

'Obamacare' individual mandate has no teeth

Lots of self-employed people have no health coverage because they can’t afford it. Starting in 2014, these people will run up against the most controversial portion of the Patient Protection and Affordable Care Act ("Obamacare") — the individual health insurance mandate. This is the requirement that most legal residents of the United States obtain at least minimal health insurance coverage by 2014. The word "mandate" sounds pretty serious. But what will actually happen if you don’t obtain health insurance by 2014? The health care law says that individuals who can afford health insurance coverage and are not otherwise exempt must purchase minimum essential health coverage or pay a penalty to the IRS with their tax returns.

Sam's Club Warehouse - Cabo San Lucas, Los Cabos, Mexico. How to Track your Bills in Microsoft Excel: 13 steps. Edit Article Working With an Excel TemplateDesigning Your Own Expense-Tracking Spreadsheet Edited by TheRedTerror, Destroyer, Chris, BR Many companies use Microsoft Excel to track department or overall company expenses.

How to Track your Bills in Microsoft Excel: 13 steps

As Excel is now frequently bundled with personal computers that use the Windows operating system, if you have Excel on your home computer, you can use it to track your bills. A number of templates are available for tracking your expenses from Microsoft's and other websites, and recent versions of Excel include a template for tracking your bills among the pre-installed templates.

Ad Steps Method 1 of 2: Working With an Excel Template 1Choose a pre-installed template. Top 10 Dividend Yields In The S&P 500 (FTR, WIN, CTL, PBI, DO, VZ, T, RAI, MO, POM) If earnings are contracting and bond yields are contracting, investors have to find some income somewhere.

Top 10 Dividend Yields In The S&P 500 (FTR, WIN, CTL, PBI, DO, VZ, T, RAI, MO, POM)

Investors may want to take a look at the top 10% dividend paying stocks in the S&P 500 as worth for some of their cash. Here are the top ten yields in the S&P 500. Underneath is the companys' business summary, as provided by Yahoo Finance Stock Share Price, Est. Dividend, Yield % Frontier Comm. Windstream (NYSE: WIN) $11.37, $1.00, 8.80% Windstream Corporation, together with its subsidiaries, provides various telecommunications services primarily in rural areas in the United States. CenturyLink (NYSE: CTL) $36.24, $2.90, 8.00% CenturyLink, Inc., together with its subsidiaries, operates as an integrated communications company. European Blue Chips Now Offer Excellent Investment Opportunities - The current sovereign-debt crisis in Europe offers excellent opportunities for investors with a long-term horizon.

European Blue Chips Now Offer Excellent Investment Opportunities -

The Greek debt crisis is way overblown. Greece has been the poorest country in Western Europe for many years and continues to remain so. The Greek economy is very small compared to other countries. To put this in perspective, the German economy is 50% larger than the combined economies of PIIGS. In an editorial on Friday, the Journal noted: At 109, Greece ranks below such models of transparency and free enterprise as Egypt (106), Zambia (90), Rwanda (67) and Kazakhstan (63). Hence investors must look beyond the Greek issue and focus on some of the blue chip companies in Europe. The article Value Play In Europe’s Blue Chips in Friday’s Journal discussed the current buying opportunities in European firms especially the ones with operations in many markets.

Receive future articles by this author via email: Follow and be the first to know when they publish. Follow David Hunkar.