Curious Numbers for Credit Cards

The Federal Reserve released its monthly minutes yesterday, and for the first time in recent memory, some parts of the outlook were fairly chipper. “Financial market conditions,” it states, have “generally strengthened, and surveys and anecdotal reports pointed to a pickup in household and business confidence.”

One piece of data that caught my attention was the Fed’s unemployment expectations. In an upward revision from its last meeting, the Fed now expects the jobless rate to be between 9.2% and 9.6% by late this year.

These are interesting numbers when compared with the Treasury’s recently completed stress test. That test which was used to determine whether banks were adequately capitalized under a worst-case scenario assumed that 2009 unemployment would fall between 8.4% in a baseline scenario and 8.9% in the worst-case scenario.

In other words, the Fed’s baseline outlook is grimmer than the Treasury’s worst-case outlook. These funny inconsistencies remind us why economics is an art, not a science.

Why fret over a handful of basis points, you say? Simple: According to some Fitch Ratings analysis, there’s a historical one-to-one correlation between unemployment and prime credit card charge-offs. That is, if the unemployment rate doubles, so does the credit card charge-off rate. It’s even worse for lower-quality cards.

When you’re talking about numbers this big, an increase in the charge-off rate of a few dozen basis points is nothing to sneeze at. And since the stress test’s goal was to adequately capitalize banks, the thought that more money may need to be raised in the future doesn’t seem far-fetched.

Will it be the end of the world for banks? For most, no. But when the Federal Reserve’s own projections challenge the Treasury’s stress test by what could equal billions of dollars of losses for several banks, there’s yet more reason to wonder whether the test was more of a confidence campaign than an objective and realistic analysis.

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Cosmetic Plastic Surgery Costs

Getting financing assistance for a cosmetic or plastic surgery procedure is possible, even with bad credit or no credit. While traditional health insurance d…

Cosmetic Plastic Surgery costs are very high. It is however, becoming more popular for the average folk to get the operation done. Back in the day, only celebrities and rich people had the opportunity to get plastic surgery done. Nowadays almost anyone can get it done; they just need to spend a little bit of money in the process.

There are three things that are going to determine the overall cost of your cosmetic plastic surgery. These three things are your geographic location, expertise of your surgeon, and the number of areas on your body you are getting treated.

Geographic Location

If you are from the U.S the price for plastic surgery will be slightly higher than other countries. This is only because the industry is very big there and that the best surgeons tend to live there. This does not always mean that you will get the best bang for your buck, but usually this is the case.

Expertise of Your Surgeon

The more well-trained your surgeon is, the better your results will be. As a result of this though, this will in return cost you a lot more money. The better the surgeon you hire, the more money you can expect to pay. This is usually something you will not want to cheap out on though because your health is at risk here. Do yourself a favor and hire a qualified surgeon, even if it means spending more money out of your pocket.

Number of Areas Being Treated

The more areas that you get treated on your body, the more it is going to cost you. A lot of people have a bad habit of getting plastic surgery done over and over again. Overtime this will cost them a lot of money and this is a very bad thing.

It gets even worse when people start becoming addicted to the process of getting plastic surgery done on themselves.

Try to resist the temptation of getting a lot of plastic surgery done. Make a list of what you want done before you go into the office and do not add anything to that list until you are done your procedure. This will usually save you a lot of money in the long run.

For more information on Plastic Surgery Costs and Cosmetic Plastic Surgery Costs, visit my blog for more information on the topic of plastic surgery.

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Developers, The Users Now Look iPad As EBook Reader Too!

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For all iPhone or iPad apps developers, here is something that might stun you. The users now look iPad as eBook reader too! Yes it is a fact that this magnificent device has proved itself beyond a gadget for storing and sharing files. eBooks for iPad are special and thus, you need professional iPad eBook apps development that not just convert your text into compatible eBook but also serves you as iPad iBook publisher.

iPad and eBooks are quite popular these days as the user does not want to carry loads of hard copies while traveling or in the office. They can just search eBooks for iPad, download them and store on multifunctioning device. It’s all theirs then! They can read books anytime they want without any special software or tool.

When you think about iPad eBooks App Development

The aspect of iPad as best eBook reader has opened tremendous opportunities for the developers and publishers. They can develop best iPad apps for eBooks so that the user can easily get, fit and read anytime they want. Yes, the companies will look for cost effective rates for iPad eBook applications development but then it’s quite possible. All you need is to outsource the whole project. I mean the whole IT industry depends upon outsourcing applications, software or for that sake anything that you find on computer or smartphones! There are always affordable cheap iPhone applications developing offshore companies who work in your budget and still hold the quality.

When you seek someone as iPad iBook publisher or developer, check out for a few things that will really help you getting the best in the industry…

- iPad ebooks are expected to have flawless functioning. Make sure that the company providing iPad eBook publishing service develops it in high resolution screen that renders brilliant display of every page of book.

- Preferably, ask for the dictionary or thesaurus so that the user can tap on the unknown word and immediately get the meaning. Also, important links within iBooks should be working.

- There are revolutionary technologies and tools in iPad eBook apps development. Ask the experts to integrate digital features in iPad and eBooks such as audio, videos and pictures for enhanced experience. After all, iPad is best eBook reader for them!

- The most important thing you must ask to iPad eBook publishing service provider is Bookmarks. The readers are not all time free to read the book at a stretch. In fact most of the readers prefer to read the book as and when they have time. Keeping bookmarks make it easier for them to get back on the same page where they left last.

Find experienced web and mobile applications developers who specially work on iPad and iPhones and get the work done without any hassles. As I said, the better option is finding best offshore companies with experts in iPad apps programming.



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Small Business Loans for Women With Quality Lending Online


For a long time, women have been considered as a minority group when it comes to starting or expanding businesses.
This is why some lending companies and other organizations have come up with some special loan packages to offer funds as a way of motivating more women to join the business world. This is really producing positive results and women now own some businesses like catering, greeting cards, consulting, real estates and pet supplies among others. 
Tips when looking for small business loans for women
Look for grants- before you even apply for your small business loans, first take time to find out if you can qualify for business grants as there are some governments that offer these to their citizens. These grants are usually offered to lure more women into the business world. There is a very huge competition for these grants as one is not required to make repayments and you should therefore come up with very convincing ideas to get the funds.
Go for nonprofit organizations- if you find it hard qualifying for grants, you can go ahead to try and get small business loans for women from nonprofit organizations. These are also meant to help women with capital to start or expand their businesses and the funds do not earn interest. Just like grants, one has to really beat some huge competition to qualify for these loans from nonprofit organizations.
Get SBA loans- Small Business Administration does not offer loans directly but it assists the applying women to qualify for loans which are hard getting under normal circumstances. This is so because SBA commits to repaying a certain percentage of the amount offered should the applicant fail to fully repay the small business loans for women. SBA therefore works to ensure that the loans are offered:
• Quite easily compared to direct borrowing from lenders
• At relatively lower interest rates
• Under better terms & conditions and with convenient repayment periods
Compare lenders- if all the above methods of securing funds for your small business fail, you can then go for conventional lenders like lending institutions or even private lenders. To getter some better terms, you can compare a number of quotes from these lenders and this will assist you in finding a lender with easier terms and relatively lower rates. This will greatly help in lowering your overall cost of borrowing.


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Information Of Christmas Card

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Christmas is one of those occasions when everybody wants to celebrate, enjoy and have fun with their near and dear ones. However, in this modern world it is not always possible for your loved ones to be with you for many reasons. But, the distance cannot burn out the feelings you have for your loved ones and that is why Christmas Cards were invented to ensure that love is sent across in a delightful presentation with few but touching words, which will surely move you.

Christmas cards these days come in variety of designs, styles, sizes and pattern and you do not need to cough out huge sums to buy the Christmas card of your choice, so dont be ignorant here and let your loves ones know that you care and that you miss them being with you in this special occasion.
There are varieties of novelty Christmas cards available, most famous among them being the large musical card with jingle bells being played when you open the card. Also, there are kids special Christmas card with Santa Claus and rain deer pictures on it. Fashion of personalized Christmas card is in vogue with people having prints of their own family, their own words and famous Christmas quotes printed on it.

These personalized Christmas cards add a tinge of that personal touch which Christmas is all about, family and love. Price range of Christmas cards varies depending on what you choose and they are made of premier papers with illustrious colorful designs and sparkling Christmas trees on them. One should try not to resort to other means of sending Christmas greetings because receiving the Christmas cards and anxiously looking inside the envelope to unzip the awaiting surprise to see the Christmas card is an age old tradition, and way it is meant to be.

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Watch Out For Thief of Information

“My iPhone has been lost” It is a pity that some of you might have to say this and experienced the upset feeling when losing your mobile phone. Even in a worse case, all of your important information has been lost such as contacts, calendar, and email items. Perhaps those items of information are now in the hands of a thief! However there is still another tool which can store your credit card information or passports for websites is Outlook contacts.


If your office e-mail system is controlled with Microsoft Exchange then you’re in luck. Starting with Microsoft Exchange 2007, there’s a “wipe” feature that allows you or your network administrator to remotely clear all of the information from your lost or stolen cell phone. If you want to perform a device “wipe,” login to your Outlook Web Access (OWA) webmail. If you don’t know the Internet address, you can get it from your network administrator. When you are in your e-mail box, click on ‘options’ and you’ll see a ‘devices’ link. Choose your handheld device and then click “wipe”. Be sure you choose the device that was lost or stolen as once you click the wipe button the process starts and cannot be stopped. The next time your lost phone attaches to the Internet, it immediately starts factory defaulting and your data is cleared from the device!


Also, if you’re using a Microsoft Exchange server, then re-populating your contacts, calendar and e-mail is easy. Simply get your new phone, enter your e-mail server information and “poof”… all of your information is restored back to your device, without plugging it into your computer! The mobile synchronize feature is instantaneous and extremely easy to use.


If you or your company don’t use Microsoft Exchange for your e-mail messaging, then you’re missing out on some GREAT features that not only keeps your data secure, but keeps your email communication at peak efficiency.


There are hosted services such as Veddio that offer both business ( ) and personal Exchange ( ) accounts so you or your company don’t need to buy any special software or server equipment.

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Credit Spread Option – How to Use Options Credit Spreads to Make 5-10% a Month

Credit Spread Option

The first thing you want to do is check the overall trend of the S&P index. If it is trending down use a Bear Call Spread. If it is trending up use a Bull Put Spread. There are a number of ways you can do to determine the trend of the market. One simple way is to use the 50 day moving average. If the market is above 50 day moving average the market is considered to be in an uptrend, below it the market is in a downtrend. There are also things like moving average crossovers and or the close above the highest high of the last three trading weeks or a close below the lowest low of the last 3 trading weeks.

You then want to find a stock that is trending the same way as the index. So again if the index is bullish you want to find a stock that is going up, if the index is bearish find a stock that is falling.

You then want to find a support or resistance level on the stock or exchange traded fund (ETF). You can use bollinger bands, the 50 day moving average or pivot points for this.

After that check the stocks fundamentals. One good way of doing this is using Investors Business Daily. Using their website all you have to do is type in the ticker symbol and it gives you a letter grade for the stock you are looking at. Obviously if you are bullish on a stock you want it to have a grade of A or better. If you are bearish on a stock it should have a C or lower. The website will also give you information on things like earnings per share, relative strength of the stock and institutional accumulation. All important things for determining a stocks fundamental strength. Credit Spread Option

Finally you want to purchase the credit spread. In the case of a bull put spread sell a put at the money and buy a put two or three strike prices below. So let’s say the Nasdaq Stock ETF is selling at $ 29.00 and it’s January. You can sell a February $ 29.00 Put for $ 1.60 and buy a February Put for .90 bringing in a total of $ 70 per contract (.70 x 100) If the stock closes above $ 29.00 at options expiration in February (3rd Friday of the month)then you will keep the full credit. If it ends at $ 28.30 ($ 29.00-.70) you will break even. If it ends at $ 27.00 or below you will lose $ 130 per contract ($ 29.00-$ 27.00)-.70.Depending on the number of contracts that you use you can easily earn anywhere between 1-10% a month using this method. The beauty of it is that as it gets closer to the expiration date the options will begin to lose value, which is what you want to happen. Because once they go to 0 you don’t have to do anything, but keep the money that you’ve already collected.

1. There are a couple of key points to remember about using this technique.
2. Always use good money management.
3. Don’t expose more than 6% of your portfolio at one time.Don’t trade before earnings or other announcements come out.
4. Don’t take more than a 2 to 1 risk to reward ratio. In other words if you’re risking $ 2 you should be making at least $ 1. I usually like more of a 1 to 1 risk to reward ratio if I can get it. Credit Spread Option

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