Business

Business

Democrats are on the verge of adding a last-minute presidential debate

democratic debateREUTERS/Randall Hill

The Democratic presidential candidates are poised to add another debate to the schedule.

The New Hampshire Union Leader announced on Tuesday that it plans to join with MSNBC to host a Democratic debate on February 9.

“We were always concerned that this would have been the first time in 32 years without a Democratic debate before the New Hampshire primary,” Union Leader publisher Joseph McQuaid said. “We are glad to partner with MSNBC to ensure Granite Staters have the information they need to make a critical decision on Feb. 9.”

Both former Maryland Gov. Martin O’Malley (D) and former Secretary of State Hillary Clinton released statements on Tuesday saying that they are willing to participate in the February debate, which would take place less than a week before the New Hampshire primary.

“Today is a big victory not only for our campaign and our supporters that championed this effort, but it is also a victory for voters across New Hampshire and the United States,” O’Malley’s New Hampshire chair, John Bivona, said. “We look forward to participating.”

The potential Union Leader/MSNBC debate is the only debate the candidates have agreed to that has not been officially sanctioned by the Democratic National Committee. The DNC has threatened to ban candidates from participating in sanctioned debates if they took part in debates that are not sanctioned by the party.

On Tuesday, Clinton’s campaign encouraged the DNC to sanction the additional debate.

“Hillary Clinton would be happy to participate in a debate in New Hampshire if the other candidates would agree, which would allow the DNC to sanction the debate,” Clinton Communications Director Jennifer Palmieri said.

The DNC — which has refused O’Malley and Sen. Bernie Sanders’ (I-Vermont) requests to add more debates — released a statement on Tuesday saying that, although it doesn’t have plans to sanction additional debates, the organization could be open to it.

“We have no plans to sanction any further debates before the upcoming First in the Nation caucuses and primary, but will reconvene with our campaigns after those two contests to review our schedule,” DNC Chair and Rep. Debbie Wasserman-Schultz (D-Florida) said in a statement. “Our three major candidates are already scheduled to appear on the same stage next week for the New Hampshire Democratic Party dinner on February 5.”

Though many critics assert that the DNC deliberately kept the debate schedule short to benefit Clinton, staffers inside the former secretary of state’s campaign have reportedly said privately that additional debates would be welcome because the format benefits Clinton.

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Business

Reasons to Use Printed Banners for Your Small Business

With all of the technological advancements in the world of small business advertising, many business owners have forgotten about tried and true methods of marketing. One of the most widely used and successful methods of getting your business the attention that you want is by using a printed banner. A well designed and aesthetically pleasing banner can do wonders for your business, which is why so many business owners utilize them. In order to have success with your banner marketing, you will need to find an experienced printer in your area that can produce the look that you want. Here are a few of the many benefits of using banner printing and office signs Toronto for your small business.

Create a Business Identity

One of the biggest benefits of using a banner for your business advertising is that it can start to create an identity for your company that people can latch on to. Without the right brand recognition, people will just view your business as ordinary and plain, which can be detrimental to your success. By putting a banner up that is covered with your brand, you will be able to reach a larger audience and start to develop the recognition that you want for your company.

Promoting New Aspects of Your Business

Many small business owners use banner advertising as a means of drawing attention to new services for products that they have coming out. The banner you have designed can showcase your whole business or just services that you are trying to bulk up. Being able to target your marketing strategy is just another great benefit of using banner advertising. You need to make sure that you work closely with your printer to ensure that you get the banners that you want.

The Cost Effective Option

For many business owners, the decision to use banner advertising is more about the cost effectiveness than anything else. When compared to other means of digital advertising, the banner advertising method is much less expensive and in most cases just as effective. Be sure that you contact the printers in your area to get an idea of who has the best price on the banners that you need. Neglecting to do this will lead to you overpaying for your banners, which can severely affect your budget. The effort that you put in to this research will be worth it in the end.

Finding a reputable printer, like Burry Signs, you will be able to get all of the marketing materials that you need for your small business.

The post Reasons to Use Printed Banners for Your Small Business appeared first on VentureBreak.

Business

Blue Chip, Small Cap and Micro Cap Stocks

By now, you probably have it figured out that you have a lot of things to consider when it comes to investing in the stock market. To help make your investment decision it is a good idea to understand the various categories of stock market investments there are on offer.  Each category of stock market investing has different characteristics and you should look for the one that best meets your investment needs. You should also consider how the stock chosen will fit into your overall portfolio of investments in terms of risk and reward. If you have a mix or low risk assets in your portfolio currently, you can afford to invest in some riskier areas of the stock market. This is of course assuming you have a preference to do so. Not all investors like volatility and risk when it comes to the value of their investments. If you have a more conservative personality when it comes to investing you might choose to invest in a lower risk area of the stock market.  Knowing the various categories will help you best pick the stock for your needs. Blue Chip Stocks What are they? Blue chip stocks refer to equity in […]

The post Blue Chip, Small Cap and Micro Cap Stocks appeared first on The New Savvy.

Business

A former presidential candidate is going to start campaigning for Cruz

rick perryFormer Texas Gov. Rick Perry endorsed fellow Texan Sen. Ted Cruz for the Republican presidential nomination during an interview with Politico on Sunday night.

Perry, who is the longest serving governor in Texas history, said the crowded Republican field “appears to be down to two people” and Cruz is the solution.

“Of those individuals who have a chance to win the Republican primary, at this juncture, from my perspective, Ted Cruz is by far the most consistent conservative in that crowd,” Perry told Politico.

Perry also sought the Republican presidential nomination, but suspended his campaign in September over repeatedly low poll numbers. He will campaign for Cruz in Iowa alongside House Freedom Caucus Rep. Steve King (R-IA).

The Air Force veteran told Politico he understands experience isn’t value the same way this election cycle.

“Gov. Scott Walker, Bobby Jindal, Rick Perry, Jeb’s barely making an impact out there — those are very skilled, very successful, very experienced governors, but the electorate doesn’t want that. That’s why we have elections, why we democratically select leaders,” Perry told Politico.

Cruz recently lost the endorsement of former Republican vice presidential nominee Sarah Palin last week. She chose business mogul Donald Trump.

Perry said he hoped to see more collaboration in Washington.

“I’d rather see folks come together, work together to find solutions, but from time to time, you’ve got to lay the marker down,” Perry told Politico. “There’s that old adage, ‘You gotta hit the mule upside the head to get its attention from time to time.’ I’d suggest that’s exactly what the senator was doing.”

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Business

How The Second Generation Rich Can Maintain The Family Wealth

If you are a millennial or Gen Xer, you are part of the great wealth transfer. Baby boomers will pass on $30 trillion to their heirs, according to Accenture. This inheritance will be the greatest wealth transfer between generations in history. Millennials – adults under 35 – could use the money. They have the lowest savings rate of any generation before them. But even with the inheritance, if the performance of previous generations of inheritors is any indication, the next generation should not expect to be rich. Seventy percent of the second generation rich squander the family wealth, according to wealth consultancy the Williams Group. Will millennials be different? Some financial advisors consider millennials to be heading for a train crash when it comes to growing family wealth. As mentioned, they already have the lowest savings rate. According to Moody’s Analytics, millennials have a savings rate of negative two percent. Those 35 to 44, save 3 percent of their income while those 45 to 54 save 6 percent. The oldest generation, 55 and over, save 13 percent. Clearly, there is an ongoing slide in intergenerational savings. In all fairness, the 2008 financial crisis knocked down the value of many investment […]

The post How The Second Generation Rich Can Maintain The Family Wealth appeared first on The New Savvy.

Business

Key support has been broken in India’s stock market

A big reason why I’ve been bearish towards the U.S. Stock Market is because I’m in the weight-of-the-evidence business and globally stocks have been getting crushed. It was only a matter of time before the selling came to the United States Index. A good example of a broken market making new lows is India’s Nifty Fifty Index.

Here is a weekly chart with the Nifty 50 breaking the uptrend line from the 2009 lows. This was a very important trendline defining the uptrend over the previous 6 years. As you can see here, it is now broken:

India SensexAll Star Charts

The catalyst to send the Nifty 50 tumbling down was clearly the failed breakout early last year above the 161.8% Fibonacci extension of the 2008 decline. Notice how prices briefly exceeded that price objective and then failed to hold it. This also confirmed a bearish momentum divergence at those new highs. It’s the perfect combination of things to send prices lower. We’ve seen similar developments in many other indexes in countries around the world. It’s just that this one had been one of the strongest, particularly within the emerging markets complex.

Looking shorter-term, prices have been in a very well-defined downtrend channel since those highs early last year. With a 200 day simple moving average rolling over and now heading lower, this puts any rallies at a high risk of failure. Momentum is in a bearish range and I believe prices come down towards that 6500 level. This represents the former highs in 2008 and 2010 as well as the 38.2% Fibonacci retracement of the 2009-2015 rally:

India SensexAll Star Charts

I think you need to sell into any strength in India, specifically into the upper of the two downtrend lines since last year which is also where we find a downward sloping 200 day simple moving average. This is a downtrend and when all is said and done I think we see at least a 28-30% correction from top to bottom, but likely more.

We will reevaluate when we get down there. For now, Sign Up Here to get updates on these charts.

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Business

Investment-Linked Insurance Plans In Singapore

Why buy an Investment-Linked Insurance Plans In Singapore? While you are sleeping, your insurance premiums could be earning 10% or higher returns while riding the highs of an exotic emerging market fund. Without question, most of us would choose a more conservative fund for our insurance savings. The point is, your insurance premiums no longer have to sit in low interest earning funds for several decades. Insurers are linking premiums to higher returning savings accounts and investment products. One of the highest yielding insurance-linked products is the investment-linked insurance policy (ILP). The major difference between a regular insurance policy and an ILP is that you get to choose the underlying fund your insurance premiums will be invested in, and thus the level of risk and potential returns. When you buy an insurance policy, the insurer places your premiums in a fund, typically a conservative fund paying a modest interest rate. When you buy an ILP, your insurance premiums are used to purchase units in investment-linked sub-funds. The difference is, you can choose the investment fund. You may choose an Asian growth fund or a more conservative income fund. Your insurance policy returns are then based on the returns of the […]

The post Investment-Linked Insurance Plans In Singapore appeared first on The New Savvy.

Business

Loads of Americans are moving out of these 18 states

house highway moving truck motor homeRick Wilking/Reuters

People move for many different reasons. For instance, some get new jobs, others retire, and some just want to be closer to their families.

While many people in the US move within the same state — the Census Bureau estimated in 2011 that 40% of moves are within 50 miles — there are patterns for those who did make interstate moves, according to Atlas Van Lines, a national moving company.

Atlas looked at 77,705 interstate moves and found that 18 states had more people moving out than in, whereas 12 had the reverse happen. We rounded up the 18 that had outflows for 2015. Most are in the upper-Midwest, which Atlas said has been on an outbound trend for a while.

“The Midwestern states experienced a major shift to outbound moves, with Wisconsin, Iowa and South Dakota going from balanced to outbound in 2015,” said the report. “Similar to 2013 and 2014, North Dakota was the only state in the region to register as inbound.”

See the states that topped the list, in order from lowest to higher percentage outbound migration:

18. Louisiana

Bridget Coila/Flickr

Total people moving in: 891

Total people moving out: 1121

Net Flow: -230

Percent of Moves Outbound: 55.7%

17. West Virginia

Wikimedia Commons

Total people moving in: 222

Total people moving out: 280

Net Flow: -58

Percent of Moves Outbound: 55.8%

16. Nebraska

Flickr/Nicolas Henderson

Total people moving in: 418

Total people moving out: 528

Net Flow: -110

Percent of Moves Outbound: 55.8%


See the rest of the story at Business Insider

Business

Compounding: The Eight Wonder Of The World

Compound interest is sometimes thought of as a miracle worker when it comes to savings and investments. It has the power to convert a small concerted amount of savings effort into a large and comfortable retirement value. By putting aside money sooner rather than later, you will generate greater returns on your money – at an accelerated rate. Compound interest works rather like the snowball effect. It is difficult to gather savings at the start but once some momentum is formed, your savings will generate interest and then there will be interest on the interest and you’ll practically be rolling in dough.. The simplest way to think about interest is from a savings account. When you place your money into a savings account, you are earning interest over time on your investment. In a similar way, the returns on your stocks and bonds can be thought of as interest when the returns are calculated as a percentage of the value of the asset. In all these cases compound interest is the return that is generated on your return. How compounding works To capture the benefits of compounding interest, you need to be patient and disciplined.  It is the primary goal […]

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Business

Yahoo changed its stock option policy to try to close the brain drain and retain employees (YHOO)

Marissa Mayer, yahoo, sv100 2015Bennett Raglin/Getty

Yahoo has taken special measures to retain valued employees by accelerating its stock option grants to begin vesting after one month, rather than after the standard one year-period, as it tries to stem the distressing brain drain afflicting the company.

Yahoo first began offering the fast-vesting stock options to employees in January 2015, as a retention incentive for valued employees who threatened to jump ship, according to a person familiar with the matter.

As Yahoo scrambles to reverse a growing tide of departures, the grants have become more widespread. The company, which was traditionally stingy with new stock bonuses, has tried to stem the departures with the fast-vesting options as more employees consider leaving, according to people familiar with the matter.  

The monthly options are designed to allay employee concerns that the typical 12-month waiting period to cash out stock options now looks like a risky proposition, according to sources. At the time the move was made, Yahoo’s stock was trading at a high point so the accelerated vesting gave employees a chance to take advantage of it.

Yahoo declined to comment on the thinking behind the stock option change, but confirmed that it had rejiggered its stock plans.

“More than a year ago – in early January 2015 – we made changes to our Employee Stock Purchase Program and to the vesting schedule on Restricted Stock Unit awards,” a Yahoo spokesperson said.

Yahoo CEO Marissa Mayer is under fire from activist investors, some of whom have called for Mayer to be replaced and for the company to be put on the auction block. Yahoo itself, meanwhile, is working on a complex plan to separate its core internet business into a separate company through a reverse spinoff.

And while Yahoo is preparing to lay off a big chunk of its staffers as it narrows its focus in hopes of revitalizing its business, the company is also suffering from an exodus of valued executives and rank-and-file engineers. 

One of the latest departures is Mayer’s senior director of corporate strategy, Shweta Vohra, who left Yahoo to become chief of staff at Medium, a blogging platform founded by Twitter’s Ev Williams.

As Re/Code’s Kara Swisher reported last week, two more VPs have departed in the last month.

Two more executives in Mayer’s inner circle are also preparing to leave soon, a person familiar with their moves said.

An incentive and an acknowledgment

The accelerated options are among various tools Yahoo has used to try to retain executives, such as asking some top execs to make commitments to stay on another three years or five years, as Re/Code reported earlier

Some of the stock option packages that Yahoo has doled out to retain employees have been in the seven figure range, says one former employee with knowledge of the matter. 

Stock options at most tech companies typically vest over four years. A first tranche of options vests after 12 months, and the remaining options gradually vest every month for the next three years. 

For Yahoo, the new structure eliminates the one-year waiting period so that employees can cash out some of the stock after one month (although the stock can only be sold by insiders during certain windows). For a $400,000 stock option grant, for example, 1/48 of the shares now vest each month with no cliff.

Gaining additional stock that was awarded every month was an incentive to keep people to stay — but also an internal acknowledgment that people didn’t want to bet on Yahoo’s health over the next year, said one of the sources. 

Over the past year, more than a third of the employees left the company, according to the New York Times. Based on its most recent earnings report, that number (with new additions included) shows the company has already scaled down 14 percent over the last year. 

Yahoo plans to present a new strategic plan for the company on or around its earnings call on February 2.

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