Personal finance advice, ideas, tips and financial planning - Money Magazine on CNNMoney Give them the facts but not necessarily the figures -- that is, enough information to know where everyone stands but not so much that they think the bank of mom and dad is open for life. Mortgage rates continue to match or hit new record lows. Here's how you can benefit. Get a home in one of Money's Best Places to Live for as much as $94,000 off. Money can't buy you love, but what's wrong with a little window-shopping? Up until a few years ago, many advisors would have encouraged a client in his early 20s to adopt a very aggressive allocation strategy. It's still a tough job market, but these counties can make it a lot easier to find work and a great place to live. The Lime Truck's owner serves up California fusion in his old hometown, and is a driving force behind the O.C.' At the Newton Community Farm, locals come together to help harvest, weed - and even rebuild its farmstand after a fire. Luxe homes, great schools and exclusive communities.
Road Roads consist of one or two roadways (British English: carriageways), each with one or more lanes and any associated sidewalks (British English: pavement) and road verges. Roads that are available for use by the public may be referred to as public roads or as highways. Definitions[edit] The Organisation for Economic Co-operation and Development (OECD) defines a road as "a line of communication (travelled way) using a stabilized base other than rails or air strips open to public traffic, primarily for the use of road motor vehicles running on their own wheels," which includes "bridges, tunnels, supporting structures, junctions, crossings, interchanges, and toll roads, but not cycle paths. United States[edit] In the United States, laws distinguish between public roads, which are open to public use, and private roads, which are privately controlled.[5] United Kingdom[edit] In the United Kingdom there is some ambiguity between the terms highway and road. History[edit] Design[edit]
Credit / Debt Management - Credit Repair Improve Credit Score and Pay Off Debt Beyond Money: Notes on Neoliberalism and its Alternative In our modern world of reality television, smartphones, and Wal-Mart, it is easy for one to forget that there is a network of influences and power structures that direct the course of our daily lives as individuals and as a society. While one may worry that he or she will not catch the bus or that a thief might break into one’s car and steal the stereo, we pay little mind to what is needed to make the buses run or why an individual may turn to a life of thievery. Even major issues, such as the scare that the United States government might have shut down in the face of a debt crisis or the Occupy Wall Street protests, receive their time in the spotlight on major news networks and are then glossed over in a matter of weeks. To wit: when was the last time you thought about Darfur, or Goldman Sachs? However, there is something else about capitalism that most people do not know: there is an alternative. The Roots of Capitalism Shock and Awe A World without Money Then, what else is there?
Made In (Country of Origin) "Swiss Made" label on a TAG Heuer chronograph. Country of origin (COO), is the country of manufacture, production, or growth where an article or product comes from. There are differing rules of origin under various national laws and international treaties. Effects on consumers[edit] The effects of country of origin labeling on consumer purchasing have been extensively studied[1] The country of origin effect is also known as the "made-in image" and the "nationality bias. Several studies have shown that consumers tend to have a relative preference to products from their own country[7] or may have a relative preference for or aversion against products that originate from certain countries (so-called affinity[8] and animosity[9] countries). Labelling requirements[edit] The requirements for Country of Origin markings are complicated by the various designations which may be required such as "Made in X", "Product of X", "Manufactured in X" etc. COO marketing[edit] Use of the phrase "Made in..."
Bitcoin Decentralized digital currency Bitcoin (abbreviation: BTC[a] or XBT[b]; sign: ₿) is a protocol which implements a highly available, public, permanent, and decentralized ledger. In order to add to the ledger, a user must prove they control an entry in the ledger. The protocol specifies that the entry indicates an amount of a token, bitcoin with a minuscule b. The Library of Congress reports that, as of November 2021, nine countries have fully banned bitcoin use, and a further forty-two have implicitly banned it.[15] A few governments have used bitcoin in some capacity. Bitcoin has been described as an economic bubble by at least eight recipients of the Nobel Memorial Prize in Economic Sciences.[17] Design Units and divisibility The unit of account of the bitcoin system is the bitcoin. Blockchain Data structure of blocks in the ledger Network nodes can validate transactions, add them to their copy of the ledger, and then broadcast these ledger additions to other nodes. Transactions Ownership
Telephone A telephone, or phone, is a telecommunications device that permits two or more users to conduct a conversation when they are not in the same vicinity of each other to be heard directly. A telephone converts sound, typically and most efficiently the human voice, into electronic signals suitable for transmission via cables or other transmission media over long distances, and replays such signals simultaneously in audible form to its user. The word telephone has been adapted into the vocabulary of many languages. It is derived from the Greek: τῆλε, tēle, "far" and φωνή, phōnē, "voice", together meaning "distant voice". First patented in 1876 by Alexander Graham Bell and further developed by many others, the telephone was the first device in history that enabled people to talk directly with each other across large distances. Although originally designed for simple voice communications, most modern telephones have many additional capabilities. History Basic principles Details of operation
Bretton Woods system The Bretton Woods system of monetary management established the rules for commercial and financial relations among the world's major industrial states in the mid-20th century. The Bretton Woods system was the first example of a fully negotiated monetary order intended to govern monetary relations among independent nation-states. The chief features of the Bretton Woods system were an obligation for each country to adopt a monetary policy that maintained the exchange rate by tying its currency to gold and the ability of the IMF to bridge temporary imbalances of payments. Also, there was a need to address the lack of cooperation among other countries and to prevent competitive devaluation of the currencies as well. Origins[edit] Interwar period[edit] A high level of agreement among the powerful (nations) that failed to coordinate exchange rates during the interwar period had exacerbated political tensions facilitated the decisions reached by the Bretton Woods Conference. "...
Sport Sport (or sports) is all forms of usually competitive physical activity which,[1] through casual or organised participation, aim to use, maintain or improve physical ability and skills while providing entertainment to participants, and in some cases, spectators.[2] Hundreds of sports exist, from those requiring only two participants, through to those with hundreds of simultaneous participants, either in teams or competing as individuals. Sport is generally recognised as activities which are based in physical athleticism or physical dexterity, with the largest major competitions such as the Olympic Games admitting only sports meeting this definition,[3] and other organisations such as the Council of Europe using definitions precluding activities without a physical element from classification as sports.[2] However, a number of competitive, but non-physical, activities claim recognition as mind sports. According to A.T. Meaning and usage Etymology Nomenclature Definition Competition History
The future of financial technology Technologies mentioned: Our online presence already serves to build quantifiable reputation systems. In a potential post-scarcity future, reputation might become the new currency, bringing unimaginable change to our current notions of value and currency. Reputation management, Post-scarcity economies, Reputation economies, Reputation quantification, Social graph quantification, Attention economies, Pervasive payment + identity systems, Whuffie Perhaps the technological artifact most closely associated to finance, currencies are undergoing considerable transformation. Cryptocurrencies, In-game currencies, Virtual currencies, Digital bartering systems, Brand-backed digital currencies, Government-backed digital currencies, Quantum currencies, Virtual economies Smartphones converge hundreds of distinct capacities while putting them at arms reach. Every individual joining a network increases the value of said network exponentially to existing members.
Music This article is about music as a form of art. For history see articles for History of music and Music history. The creation, performance, significance, and even the definition of music vary according to culture and social context. Music ranges from strictly organized compositions (and their recreation in performance), through improvisational music to aleatoric forms. Music can be divided into genres and subgenres, although the dividing lines and relationships between music genres are often subtle, sometimes open to personal interpretation, and occasionally controversial. Within the arts, music may be classified as a performing art, a fine art, and auditory art. To many people in many cultures, music is an important part of their way of life. Etymology The word derives from Greek μουσική (mousike; "art of the Muses").[4] Music as form of art Jean-Gabriel Ferlan performing at a 2008 concert at the collège-lycée Saint-François Xavier Composition Notation Play Improvisation Theory History
Paying with 'kisses' as Brazil’s social currencies spread 2 January 2013Last updated at 04:05 ET By Manuel Toledo BBC, Vitoria, Brazil Heraldo Rodrigues da Silva has taken two loans from a community bank Shopkeeper Heraldo Rodrigues da Silva, 55, owns a small store in Sao Benedito, one of the poorest neighbourhoods in Vitoria, the capital of the Brazilian state of Espirito Santo. On the wall behind his counter, a sign announces that besides the real - Brazil's legal tender - he accepts the "bem", an alternative currency from a local community development bank, Banco Bem. Continue reading the main story “Start Quote The goal of...a social currency is to encourage people to use that money within their community and contribute to the development of the local economy” End QuoteLeonora MolManager, Banco Bem The bank was founded in 2005 by an association of seamstresses who decided to lend their profits to a group of furniture makers so that they too could start their own collective. "Trade has grown a lot recently. Buying locally Community confidence