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Source: http://video.msnbc.msn.com/cnbc/48357700/
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Saturday, July 28, 2012
IWM Partners Launches Rebranding Initiative to Greater Reflect ...
Fountain Valley, CA (PRWEB) July 19, 2012
Fountain Valley based monetary consulting organization IWM Partners is launching a rebranded logo and website to better reflect its function as a complete service monetary consulting company. IWM Partners locations a high emphasis on conservatively managing investments, reducing danger and operating in an environment where honesty, integrity and traditional loved ones values are defining traits.
The new site is a complete resource of info for IWM Partners clients and their households. Day-to-day marketplace reports, weekly financial newsletters, outdoors seminars and monthly office workshops will offer even a lot more educational possibilities in the future.
Part of the rebranding initiative also consists of new Facebook and Twitter pages. These who examine out IWM Partners on Twitter or Facebook will receive up-to-date financial news articles, workshop and seminar details as nicely as behind the scenes photos of office events.
The schedule for the monthly in-workplace workshops will be posted on the new internet site as will the schedule for upcoming seminars that take location in various areas in Southern California.
On Thursday July 26 from 6:30 p.m. to eight:00 p.m., IWM Partners will be hosting an Economic Critique on the Current Economy presented by industry strategist Anthony Valeri from LPL Monetary Study at its Fountain Valley office at 9550 Warner Ave, Suite 300. In August, the business will host a Passport to Retirement seminar at the Balboa Bay Club and Resort, with the option of a two-element seminar on Tuesday August 14 and Tuesday August 21 from 6:30 p.m. to 9:00 p.m., or a 1 day intensive version of the identical seminar Saturday August 18 from 9:00 a.m. to 1:00 p.m.* Those interested can RSVP by contacting the IWM Partners office.
Variable annuities mutual funds and Exchange Traded Funds (ETFs) will be discussed
About IWM Partners
With far more than 40 years combined knowledge and operating with a combined $ 100 million of brokerage and advisory assets via LPL Financial, each of our advisors has the required capabilities to help clients really feel at ease while navigating these unpredictable economic times. From investment management and estate planning, to insurance and tax techniques, IWM Partners is a total service monetary consulting firm helping hundreds of clients move comfortably into retirement. Learn a lot more at IWMPartners.com.
Investing entails danger like the potential for loss of principal Variable Annuities are appropriate for lengthy-term investing, such as retirement investing. Withdrawals prior to age 59
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Twitter confirms site issues, working to resolve things
It's a rough day for internet communication. First Google Talk, now Twitter. The microblogging service confirmed that it's currently having some issues -- a fact independently verified by our frustrated staff -- adding that "Our engineers are currently working to resolve the issue." We'll let you know when you can safely return to your regularly scheduled tweeting.
Update: Everything seems to be back to normal. You know what to do.
Filed under: Internet, Software
Twitter confirms site issues, working to resolve things originally appeared on Engadget on Thu, 26 Jul 2012 11:51:00 EDT. Please see our terms for use of feeds.
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Wall Street jumps on Draghi comments
NEW YORK (Reuters) - Wall Street rose more than 1 percent on Thursday, putting the S&P 500 on track to snap a four-day losing streak, after the European Central Bank chief pledged to save the euro zone from collapse.
ECB President Mario Draghi said on Thursday the ECB would do what was necessary to protect the euro zone, including fighting high bond yields, a measure ECB officials had not previously suggested.
"Draghi's comments were quite exciting because this is something people always thought the ECB would not do," said Stephen Massocca, managing director at Wedbush Morgan in San Francisco.
Policy makers have made similar statements about saving the euro before, but if these remarks result in decisive intervention in European bond markets, it could spur a sizable rally in stocks.
Shares in sectors more sensitive to risks in Europe and economic demand, such as energy-related stocks and financials, led the market. The PHLX oil service index <.osx> was up 2.8 percent, led by a 6.4 percent jump in National Oilwell Varco Inc
The number of Americans filing new claims for jobless benefits fell last week to near a four-year low, although the figures have been volatile of late due to summer factory shutdowns. Durable goods orders for June were better than expected, but a slip in pending home sales underscored the fragility of the economy.
"For weeks we've been seeing this tug of war between central bankers who want to prop things up, and the reality of the deteriorating economic conditions that are affecting earnings," said Peter Boockvar, equity analyst and portfolio manager at Miller Tabak & Co. in New York.
Zynga
Shares in Sprint Nextel Corp
The Dow Jones industrial average <.dji> gained 186.07 points, or 1.47 percent, to 12,862.12. The Standard & Poor's 500 Index <.spx> rose 18.62 points, or 1.39 percent, to 1,356.51. The Nasdaq Composite Index <.ixic> advanced 31.11 points, or 1.09 percent, to 2,885.35.
Hopes that the Federal Reserve will boost efforts to stimulate a flagging economy, maybe with a decision to do so as early as at its rate-setting meeting next week, soothed concerns about the economy and offset the impact of what investors describe as a "mixed" corporate earnings season.
Of the 260 companies in the S&P 500 that have reported quarterly results to date, 66.5 percent have posted earnings above analyst expectations, according to Thomson Reuters data.
If the move higher by the market is sustained through the trading day it will lift the S&P 500 away from a technically important level around 1,333. The level marks a convergence of several technical factors, including the index's 50-day moving average, and has served as support for stocks.
Diversified manufacturer 3M
(Reporting by Anna Louie Sussman; Editing by Bernadette Baum, Dave Zimmerman)
Source: http://news.yahoo.com/stock-index-futures-dip-raft-earnings-due-092215108--finance.html
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Education Tax Credits Need Simplification and Review, Senate ...
July 27, 2012
It may be time to examine the efficacy and benefits of tax credits when it comes to higher education, at least according to the U.S. Senate Finance Committee, which met for a hearing earlier this week to discuss higher education tax reform.
Not only does there seem to be a push to help taxpayers better understand how to use various tax benefits, there also seems to be an increasing interest in understanding which benefits are actually helping students to complete an education, not just start one.
"The multitude of education tax benefits can result in complexity and confusion for American families," Senate Finance Chairman Max Baucus said, per Accounting Today. There are currently eight separate tax expenditures related to higher education, and they use five different definitions of "eligible expenses." "Taxpayers must calculate their taxes using each tax cut to determine which one works best."
As MSNBC reports, during the hearing, Baucus expressed his concern with the IRS guide to education tax credits, which totals 87 pages: "Based on the complexity of this guide, one would think the IRS expected all of America's future students to want to major in accounting."
The hearing was planned so that members of the Finance Committee could also discuss the recently released Government Accountability Office report on higher education. That report showed that many higher-education tax benefits are just too difficult for taxpayers to understand or know how to best use. In fact, as Inside Higher Ed explains, the report showed that some 14 percent of tax filers didn't even claim a credit or deduction when they could have, resulting in an average loss of about $466 in savings. Another 250,000 taxpayers failed to file the higher-education claim that would have been most financially advantageous to them.
Another discouraging aspect of the report, according to MSNBC, was the lack of information about which tax breaks are most effective in aiding students' completion of college. In fact, the National Center for Education Statistics reported that 45 percent of students who start at a four-year school do not finish with a degree.
James White, director of Strategic Issues for the GAO, advised that the Department of Education do more targeted research to see the effect of various programs on individuals' access to education.
"We don't know the effect on price (tuition) nor do we understand very well the impact on students' access to education -- the extent to which these programs affect that," he stated.
As MSNBC notes, the Senate Finance Committee also discussed whether higher-education tax breaks drove up the cost of education and whom the tax benefits most helped.
Susan Dynarski, a professor of public policy at the University of Michigan, indicated that she believes education tax benefits should be paid at the same time that tuition is paid.
According to Inside Higher Ed, Dynarsky added, "The current education tax benefits do little to get more people into college....We need a unified system with a single application for families."
Compiled by Maggie O'Neill
Sources:
"A Change to Tax Credits?," insidehighered.com, July 26, 2012, Libby A. Nelson
"Senate Examines Tax Incentives for Education," accountingtoday.com, July 25, 2012, Michael Cohn
"With Tuition Bills Arriving, Senate Panel Questions College Tax Breaks," nbcpolitics.msnbc.com, July 27, 2012, Tom Curry
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Friday, July 27, 2012
Analysis: Evidence for climate extremes, costs, gets more local
OSLO |
OSLO (Reuters) - Scientists are finding evidence that man-made climate change has raised the risks of individual weather events, such as floods or heatwaves, marking a big step towards pinpointing local costs and ways to adapt to freak conditions.
"We're seeing a great deal of progress in attributing a human fingerprint to the probability of particular events or series of events," said Christopher Field, co-chairman of a U.N. report due in 2014 about the impacts of climate change.
Experts have long blamed a build-up of greenhouse gas emissions for raising worldwide temperatures and causing desertification, floods, droughts, heatwaves, more powerful storms and rising sea levels.
But until recently they have said that naturally very hot, wet, cold, dry or windy weather might explain any single extreme event, like the current drought in the United States or a rare melt of ice in Greenland in July.
But for some extremes, that is now changing.
A study this month, for instance, showed that greenhouse gas emissions had raised the chances of the severe heatwave in Texas in 2011 and unusual heat in Britain in late 2011. Other studies of extremes are under way.
Growing evidence that the dice are loaded towards ever more severe local weather may make it easier for experts to explain global warming to the public, pin down costs and guide investments in everything from roads to flood defenses.
"One of the ironies of climate change is that we have more papers published on the costs of climate change in 2100 than we have published on the costs today. I think that is ridiculous," said Myles Allen, head of climate research at Oxford University's Environmental Change Institute.
"We can't (work out current costs) without being able to make the link to extreme weather," he said. "And once you've worked out how much it costs that raises the question of who is going to pay."
Industrialized nations agree they should take the lead in cutting emissions since they have burnt fossil fuels, which release greenhouse gases, since the Industrial Revolution. But they oppose the idea of liability for damage.
Almost 200 nations have agreed to work out a new deal by the end of 2015 to combat climate change, after repeated setbacks. China, the United States and India are now the top national emitters of greenhouse gases.
Field, Professor of Biology and Environmental Earth System Science at the University of Stanford, said that the goal was to carry out studies of extreme weather events almost immediately after they happen, helping expose the risks.
"Everybody who needs to make decisions about the future - things like building codes, infrastructure planning, insurance - can take advantage of the fact that the risks are changing but we have a lot of influence over what those risks are."
FLOODS
Another report last year indicated that floods 12 years ago in Britain - among the countries most easily studied because of it has long records - were made more likely by warming. And climate shifts also reduced the risks of flooding in 2001.
Previously, the European heatwave of 2003 that killed perhaps 70,000 people was the only extreme where scientists had discerned a human fingerprint. In 2004, they said that global warming had at least doubled the risks of such unusual heat.
The new statistical reviews are difficult because they have to tease out the impact of greenhouse gases from natural variations, such as periodic El Nino warmings of the Pacific, sun-dimming volcanic dust or shifts in the sun's output.
So far, extreme heat is the easiest to link to global warming after a research initiative led by the U.S. National Oceanic and Atmospheric Administration and the British Meteorological Office.
"Heatwaves are easier to attribute than heavy rainfall, and drought is very difficult given evidence for large droughts in the past," said Gabriele Hegerl of the University of Edinburgh.
Scientists often liken climate change to loading dice to get more sixes, or a baseball player on steroids who hits more home runs. That is now going to the local from the global scale.
Field said climate science would always include doubt since weather is chaotic. It is not as certain as physics, where scientists could this month express 99.999 percent certainty they had detected the Higgs boson elementary particle.
"This new attribution science is showing the power of our understanding, but it also illustrates where the limits are," he said.
A report by Field's U.N. group last year showed that more weather extremes that can be linked to greenhouse warming, such as the number of high temperature extremes and the fact that the rising fraction of rainfall falls in downpours.
But scientists warn against going too far in blaming climate change for extreme events.
Unprecedented floods in Thailand last year, for instance, that caused $45 billion in damage according to a World Bank estimate, were caused by people hemming in rivers and raising water levels rather than by climate change, a study showed.
"We have to be a bit cautious about blaming it all on climate change," Peter Stott, head of climate monitoring and attribution at the Met Office's Hadley Centre, said of extremes in 2012.
Taken together, many extremes are a sign of overall change.
"If you look all over the world, we have a great disastrous drought in North America ... you have the same situation in the Mediterranean... If you look at all the extremes together you can say that these are indicators of global warming," said Friedrich-Wilhelm Gerstengabe, a professor at the Potsdam Institute for Climate Impact Research.
(Additional reporting by Sara Ledwith in London; Editing by Louise Ireland)
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