Student Loans the next financial crisis

Low interest rates have allowed institutions to increase their tuition and allowed students to consequently borrow more for their higher education. Now many with over a $100,000 in loans have to find jobs which will justify their loans. Many with large loans currently have the inability to consolidate their loans at low interest rates. Their rates are usually adjustable yearly. Luckily most loans were backed by the federal government. However, many did take out private loans from banks.

Naked Put Calculator

Naked Put Calculator

It's a risky bet. Sell a put option, then agree to buy the stock if the price drops below the strike price of the option. If the strike price is 9 and the stock drops to zero, you still pay 9 dollars. If the stock stays above the strike price of 9, you keep the price of the option as pure profit.

Virgin Starts Offering Charter Service in America

Virgin Charter

Appears to be based on a bidding system for specific flights. Submit your flight route and date; then, several charter companies will offer bids on the flight.

Who to blame for the Credit Crisis

A house was bought for $750,000 in 2006. It's now worth $400,000. The seller took advantage of a good market. The buyer did not pay a good price for their new property. The buyer had the responsibility to agree to a fair price. They could have gotten erroneous information from an appraisal. The banker probably should not have given a zero percent loan for an overvalued asset. The investment bankers and other financial wizards were taking advantage of a favorable market to create advanced securities from mortgages. The US government cannot be held to blame for creating a low inflation environment; this probably had other economic benefits including job growth.

Other Point of Views:
Steve Forbes

Invest in international microloans

Invest wisely. End poverty. | microfinance at MicroPlace

Investments can be as small as one hundred dollars. Interest rates can be up to 3% which is much better than most standard US banks.

Sarah Palin SNL Open

Mostly Tina Fey, guest appearances by Alec Baldwin and Mark Wahlberg.

Early Absentee Voting in St. Louis

I was about to send in an absentee ballot in St. Louis City, but apparently you need the mail in ballot to be notarized. This pretty much makes it as difficult as showing up to a voting booth on election day since one would have to take time off work to go to a notary republic. Instead I voted at the Board of Elections office in St. Louis. It's located at 300 N. TUCKER, ST. LOUIS, MISSOURI 63101 - Hours: Monday - Friday 8AM – 5PM. Electronic and paper voting is available. Electronic voting took a few minutes. Apparently, even early voting can lead to long lines at the Board of Elections the week before the actual election day, so earlier voting will be easier. You have to be registered to vote in the city of St. Louis. Early voting should be available across the state. Bring your driver's license for identification.
St. Louis Board of Elections

Google Insiders Unload 7.6 Billion Dollars in 3 months

According to Yahoo Finance, Google (GOOG) insiders have sold 18,178,500 shares from the last quarter to this quarter. Based on an average price of $420, the shares have given the insiders $7,634,970,000. This is a company with no public record of an insider buying shares since it went public.

Givenchy Women's Knee High Boot

Free Overnight shipping, free returns, price guarantee. New -$1464.95.

Bruno Magli Ashton Slip On

Bruno Magli Ashton Slip-On New $224.90

DRIP Calculator

Finance : DRIP Calculator

Dividend reinvestment plans (DRIPs) allow an individual shareholder to reinvest dividends in company shares. For example, if a company stock trades for $20 and has a dividend of $1, the yearly one dollar can be used to buy 0.05 shares. The next year, the shareholder will have 1.05 shares and receive $1.05 in dividends and that many shares will be bought. DRIPs usually allow fractional share ownership and purchases. The DRIP calculator will use the initial share price, shares owned, yearly dividend, and years owned to calculate the yearly income and total shares purchased.

Fear Machine in Full Force

I received a flyer in the mail from the John McCain campaign. On the front is a picture of the President of Iran, Hugo Chavez, Osama, and the President of North Korea. A tank is in the background and the caption around the picture is "Dangerous Times Demand Experience". Inside is an absentee ballot form in case you're too afraid to leave your house.

Spread Put Calculator

Finance : Spread Put Calculator

Spread Put Calculator
Enter the price of the higher put and the price of the lower put. Sell the higher put and buy the lower put. This calculator will provide the profit and yield. Enter the higher put price strike for price paid. Enter the current price.

FAQs

How does selling a covered put work?

Talk to your brokerage. Usually, if you sell a covered put, you agree
to buy the stock at the price of the put. You get to keep the money from
selling the options after the transaction is completed. If the price of
the stock on the day of expiration is below the put price, you will buy
those shares at the agreed price. If the stock price on expiration day
is above the put price, then you do not have to buy those shares at the
put price. You keep the money from selling the options as pure profit.
Obviously, the stock can decline beyond the price of the put and you could
lose more money because you agreed to buy at a higher price.

What is a spread put?

Since you can lose money if the stock keeps on dropping below your covered
put price, it would be wise to have some insurance. If you buy the put
at the next lowest price, this put will increase in value as the share
price declines. The covered put is similar to selling stocks short. As
the price declines, the negative value of the covered put declines.

Technology Blog Ring Directory

Publisher : Blog Ring Directory
Submit your site to the technology blog ring, and then copy and paste the code to display the links. As new sites are added, the code will display the new links on your page.
Technology Blogs
Engadget
Gizmodo
Slashdot
Lifehacker
BoingBoing

Spread Put Option Calculator

Enter the higher strike put option and the lower strike price put option. The higher price put option will be sold, and the lower price put option will be bought. Since the higher price put option was sold, if the stock goes below that price, 100 shares of that stock will be bought at the higher price put option. If the stock goes above the higher strike price of the put option, the spread between the high price put and the low price put would be the profit. The high price put would expire worthless after selling it at a high price. The low price put would expire worthless after buying it a low price.

put_high
put_low
Press Here:
Output

Random Links Generator with Javascript

Random Links Generator using Javascript

Create a list of links using Javascript. Enter your own links in the code below and paste into your webpage. The more links you have, the less likely your links will repeat.

FanBase

FanBase

Create a list of people and their contact information or websites. This Javascript program will display a selected number of people out of the list. People can submit their e-mail address or links to their web pages: MySpace, Facebook, or LinkedIn.

Google Earth API Introduced

This is an example of the Google (GOOG) Earth API. Try typing in Philadelphia. If the city has been rendered in 3D, then you can drive a vehicle through it. City Hall is done very well. The Google Earth API allows websites to show Google earth applications after installing a plug in.

Monster Milktruck!

Steve Jobs announces iPhone 2 video

iPhone 2.0 Key Note

Rent or Buy Calculator

An interactive chart and calculator from the New York Times compares renting versus owning. If you pay less than $700 for rent, renting is usually the better option unless you find a house for less than $100,000.

Is It Better to Buy or Rent? - NYTimes.com

Lenders Decrease home Prices to attract buyers

3 bedroom house in Sacramento bid was $195,000.

Lenders slash prices on foreclosed houses as numbers surge: Financial News - Yahoo! Finance

Alternative to PayPal

The site is ambiguous about fees, but this might be a cheaper version of PayPal for merchants to accept payments online.

Moneta : A better way to pay.

Build your own PC

How to Build a $150 Linux-based PC Through Online Deals and Coupons | Gadget Lab from Wired.com

Evaluate sale price based on previous sale price and federal data

Office of Federal Housing Enterprise Oversight

Vertical Line Fade House Price Calculator

Calculate the current estimated dollar value of your home using OFHEO's House Price calculator

Microsoft adopts cost per action model for search advertisements

Despite the rebate, I think the bigger issue is Microsoft(MSFT) adopting a cost per action business model. Advertisers would be willing to pay more for advertisements if they knew their advertisements can be linked to getting sales. As a Google AdWords user, although I pay a small amount per click, I do not like paying for many visitors who leave the page immediately, and I would prefer if I had to pay only when someone bought a product.

Microsoft Offers Rebates to Shoppers Using Its Search - New York Times

Oil should be at $60 per barrel

In Saudi Arabia, the cost of a gallon of gas is $0.45.

A Peek Behind the Price at the Pump - New York Times

Based on more traditional fundamentals like the cost of finding, producing and shipping crude, oil should be in the mid-$60s, says William H. Brown III, an independent energy consultant in Chappaqua, N.Y., who monitors investment flows in the energy sector.

Free Text Advertisements

Submit site, description, and url. Can also submit banner advertisements. Can be used to promote your blog by using it as a blog ring for Blogger.


Free Text Advertisements and Banner Exchange

Source Code | Random Link Display | Banner Exchange | Buy Unlimited Text Advertisements | FAQs

Small OS

Linux OS around 70 MB.

Puppy news

Small Mini PC Motherboard

Ships from the UK, about $106. It uses the Intel Atom chip.

Tranquil PC Limited Motherboards

How many clicks would it take to save Yahoo?

180 billion clicks at around 25 cents each would equal $45 billion, the price offered by Microsoft (MSFT). Over 90 days, that would be 2 billion clicks a day. With 100 million Yahoo users, they would have to click on 20 links every day. 

Petrobras part of BIK

WikiInvest Article on Petrobras - user created article

Brazilian Petroleum Corporation (PBR)

Carl Icahn selling Yahoo puts

Deal Journal - WSJ.com : How Icahn Influences Yahoo Without Buying the Stock

Sold European-style put options on Yahoo (YHOO) at 19.50 expiring on Nov 5, 2010 for 49 million shares.

Covered Call Covered Put Calculator

Amazon's Latest Promotion Widget for MP3s

Amazon Associates released this widget that can play selected MP3s or automatically display the top selling MP3s. This can be placed on a website or a blog. Amazon provides DRM free MP3s which means you can copy them to any device as many times as you want. See the Amazon website for more details.

ETF for Middle East and Africa

GAF: 71.41 +1.44 (+2.06%) : ST SPDR SP EM ME AF - Yahoo! Finance

Cuban Article from 2002

Cuban stating what could have happened with Broadcast.com. Also, people were expecting online advertising to decline in 2002.

Mark Cuban: Yahoo dropped the ball - MarketWatch

if online advertising continues to decline as many still expect.

Free Courses

Learn Programming Online, For Free: 75+ Open Courseware Collections from the Ivy League and Beyond | WHDb

Free Text Advertisements

Submit site, description, and url. Can also submit banner advertisements.


Free Text Advertisements and Banner Exchange

Still not many buyers

New-Home Sales Fall to Low Last Seen in 1990s - New York Times

At the current sales rate, it will take 11 months for builders to work off the current backlog, the biggest inventory pile-up since 1981.

Insider Trading at Google

The most recent trade according to Yahoo Finance was 50,000 shares sold at 550-560. The usual volume of the stock shows is about 50,000 shares every 10 minutes. The daily volume has been around 4-8 million shares recently, with a high of 18 million shares. Insider selling at Google (GOOG) may have a significant effect on the stock price, yet the volume is a small percentage of total volume. Also, the data available for insider selling varies from different financial site.
One interesting fact I found was only once has an insider bought shares of Google since it went public.

House Prices will fall

Rent is too cheap. Foreclosures are increasing. The house price to income ratio is still near all time highs.

The Impending Mortgage Crisis - Seeking Alpha

Kinetics Concepts EPS improved by VAC sales

Kinetic Concepts reaffirms 2008 profit outlook: Financial News - Yahoo! Finance

Kinetics (KCI) shows guidance for 2008 earnings of $3.85 to $3.95 per share. V.A.C. wound healing systems are selling well.

British Police Using Facebook Application

British Police Use Facebook to Gather Evidence - New York Times

Google 510 Call April 2008 Option

The price of this option for Google (GOOG) increased from $0.30 to $28 after a positive earnings announcement.

Initial Investment = 30
Intrinsic Value = -60
Premium (%)= -100.5
Final Option Price = 28
Final Investment Value = 2800
Total Profit = 2770
==========
Similar Stock Trading
Shares = 100
Initial Investment = 51000
Final Value = 53800
Profit = 2800

Options Profit Analyzer

Google Price Based on 2008 EPS

If Google (GOOG) were to earn $19.54, here are the prices at different P/E levels.

PE of 33 = 644.82
PE of 40 = 781.60
PE of 42 = 820.68
PE of 45 = 879.3

From EPS Calculator

Small Earthquake

Small earthquake felt in southeast Missouri.

Magnitude 5.4 - ILLINOIS

Housing Crisis Spreads Globally

The housing crises that started in America is starting to show up in Europe. Irish homes have dropped significantly, and some estimate they are still 30% overvalued. In India, some home prices are down 20%. Some think since stock markets are declining in developing countries, home prices are also declining. Spain has had the most housing growth in the last decade, and speculators are trying to exit the housing market.

Housing Woes in U.S. Spread Around Globe - New York Times

Technorati Tags: housing, prices, crisis, mortgage

Polaroid Bluetooth Photo Printer

Polaroid will start selling a small printer that can print images from a cell phone or camera. The printer connects to a photo device by bluetooth or USB cable. The paper has embedded color crystals, and the printer uses heat to apply an image.

Instant Digital Prints (and Polaroid Nostalgia) - New York Times

Polaroid Mobile Printer

Top Stocks in Small Growth Mutual Funds for April 2008

FCStone Group Inc. (FCSX) - 36.77
Shanda Interactive Entertainment Ltd. (SNDA) - 27.22
Omnicell Inc. (OMCL) - 18.46
JA Solar Holdings Co., Ltd. (JASO) - 21.31

Diesel Savings Calculator

Diesel engines have become more efficient, decreased their noise, and become an alternative to gas engine cars. They can provide mileage similar to a hybrid car. Here's a calculator that will take into account the price difference between gas and diesel along with the miles per gallon difference between the two fuels. This can also be used as a Flex-Fuel Calculator to account for the lower price of ethanol fuel and difference in miles per gallon.

Diesel Savings Calculator

1000 visits in a March 08

1007 visits for March on March 24, 2008.

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Bear Stearns Put Option Profits Update

After JP Morgan (JPM) decided to buy the Bear Sterns (BSC) for $2 on Monday, March 17, 2008, the reported 55,000 put contracts at 30 for $0.15 have increased in value to $25.10. The initial $825,000 would be worth $138,050,000 in less than a week.
Initial Investment = 825000
Intrinsic Value = -5
Premium ,% = 5.15,-103%
Final Option Price = 25.1
Final Investment Value = 138050000
Total Profit = 137225000
==========
Similar Stock Trading
Shares = 5500000
Initial Investment = 165000000
Final Value = 26950000
Profit = 138050000
From Options Profit Analyzer

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Bear Stearns Put Option Profits

Apparently, 55,000 contracts at 30 were bought at 0.15 cents per share in the middle of the week. On Friday, March 14, 2008, Bear Sterns (BSC) dropped 26 dollars and the put price at 30 increased to around five dollars per share. The initial $825,000 investment grew to $27.5 million overnight.
Initial Investment = 825000
Intrinsic Value = -25
Premium ,% = 25.15,-100.6%
Final Option Price = 5
Final Investment Value = 27500000
Total Profit = 26675000
From Options Profit Analyzer

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Hybrid Savings Calculator

Hybrid
Savings Calculator
Calculates the
gas money saved by buying a hybrid based on hybrid miles per gallon,
standard miles per gallon, miles driven, and gas price.

For example, a hybrid averaging 40 miles per gallon versus
a standard car with 25 miles per gallon will save $9,300 over
200,000 miles when the price of gas is $3.10.

Hybrid Gallons = 5000

Standard Gallons = 8000

Hybrid Gas Price = 15500

Standard Gas Price = 24800

Savings = 9300

Powered by ScribeFire.

Google Stock Price Based On Earnings Per Share

After a steep decline in stock value, here's Google's expected price based on EPS of 13.29.

PE of 20 = 265.80
PE of 25 = 332.25
PE of 30 = 398.7
PE of 40 = 531.60

Powered by ScribeFire.

10,000

10,000 reached on March 11th.

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BPOAsia.org

Accounting sevices, Loan processing, Back office services, credit
monitoring, debtors anaysis and follow up can be found at BPOAsia.org.

Powered by ScribeFire.

Vanguard Small-Cap Growth ETF

Vanguard Small-Cap Growth ETF

Vanguard offers low expense mutual funds and now they provide ETFs with low expense ratios. The Vanguard Small Cap Growth fund has an expense ratio of 0.11%.

Powered by ScribeFire.

Neff Value Formula Calculator

Neff Value Formula Calculator
Calculates the total return ratio based on earnings growth, dividend yield, and price earnings ratio.

Powered by ScribeFire.

Garmin Short Interest Rising

According to Nasdaq.com, Garmin (GRMN) short interest is 13,483,712 on 2/15/2008. This is significantly higher than the last month. The stock is currently trading in the high 50s with a p/e of 15. The stock should have a good rally if the shorts have to cover.

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Travelocity Deals for Vegas

Travelocity offers some low fares to Vegas with a hotel. Five days and four nights with air travel was available for less than $600. Cancun for spring break is available from around $600 to $1000.
Use your MasterCard for a 3+ night stay and save $50. Couponcode: SAVE50

Flight+3 Night Hotel Vacations from $299

Las Vegas Vacation Packages and Deals

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Akamai Rebound

Akamai (AKAM) bought during the technology doldrums of 2002 on October 4, 2002, would have returned an astounding 4500% by February 2008. $1000 would be worth $46,000.
Initial Investment = 999.36
Shares Available = 1388
Final Investment Value = 46039.96
Total Profit = 45040.6
Percent Return = 4506.9

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Covered Call Spread

Sell a covered call at a strike price lower than the market price and buy a put at a lower strike price. If the market price drops, the covered call value can decrease, and the put price will increase. The covered call can be bought back at a lower price, and the put can be sold for a profit.

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3.1 Trillion Dollar Budget Announced for 2009

http://www.whitehouse.gov/omb/pdf/fy2009/budget.pdf

An overview of the federal budget for 2009 shows $515 billion dollars spent on the Department of Defense. Apparently, this has been a 74 percent increase in military spending in the last 8 years.

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Microsoft bid for Yahoo Options Profit

Buying ten contracts of Yahoo (YHOO) at 27.5 for February on January 31, 2008 before the announcement of Microsoft's (MSFT) hostile bid of $31 on February 1, 2008, would have returned $2450 in one day.
Initial Investment = 50
Shares Available = 1000
Final Investment Value = 2500
Total Profit = 2450
Percent Return = 4900

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Priceline Rebound

February 7, 2003
Priceline $1000 at $7.50 per share
January 17, 2008
$89.63 per share
Initial Investment = 997.5
Shares Available = 133
Final Investment Value = 11884.88
Total Profit = 10887.38
Percent Return = 1091.5

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Options Profit Analyzer

Options Profit Analyzer
Calculates several variables in option prices including intrinsic values and premiums. Calculates profits for puts and calls.

Ning - Create your own Social Networks!

Ning - Create your own Social Networks!

Create your own social networks for trading stocks.