FamZoo is a “Virtual Family Bank” that allows parents to teach their kids about banking without requiring kids to pay fees (as a parent, you will pay a monthly subscription fee).
There is a catch: you need military affiliation to be able to open an account. This can include a connection through a family member, such as a parent or spouse.
Ditch your brick-and-mortar bank in favor of fewer fees, less hassle, more convenience, and higher interest rates. All of these banks offer mobile apps that let you deposit checks by taking a photo, so you don’t have to worry about running out to a local branch. These apps also make it easier to transfer money between your accounts, pay bills online, or send money to family and friends in a pinch.
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Old American Stock Exchange Building 2009
The text reads: "On June 27, 1921, the curbstone brokers moved from their outdoor Market on Broad Street to establish on this site the indoor securities market that became the American Stock Exchange."
In 1953 the Curb Exchange was renamed the American Stock Exchange. citation needed The exchange was shaken by a scandal in 1961, and in 1962 began a reorganization. 13 Its reputation recently damaged by charges of mismanagement, in 1962 the American Stock Exchange named Edwin Etherington its president. Writes CNN, he and executive vice president Paul Kolton were "tapped in 1962 to clean up and reinvigorate the scandal-plagued American Stock Exchange." 14 At AMEX for five years, he was credited with improving opportunities for minorities and women. citation needed In 1971, Johnson Products Company became the first African American-owned company to be listed on the American Stock Exchange. 15
In 1977, Thomas Peterffy purchased a seat on the American Stock Exchange and played a role in developing the electronic trading of securities. Peterffy created a major stir among traders by introducing handheld computers onto the trading floor in the early 1980s. 20 21
As of 1907, E. S. Mendels gave the brokers rules "by right of seniority," but the curb brokers intentionally avoided organizing. According to the Times, this came from a general belief that if a curb exchange was organized, the exchange authorities would force members to sell their other exchange memberships. 7 However, in 1908 the New York Curb Market Agency was established, which developed appropriate trading rules for curbstone brokers, organized by Mendels. 8 The informal Curb Association formed in 1910 to weed out undesirables. 5 The curb exchange was for years at odds with the New York Stock Exchange (NYSE), or "Big Board," operating several buildings away. Explained the New York Times in 1910, the Big Board looked at the curb as "a trading place for 'cats and dogs.'" 9 On April 1, 1910, however, when the NYSE abolished its unlisted department, the NYSE stocks "made homeless by the abolition" were "refused domicile" by the curb brokers on Broad Street until they had complied with the "Curb list" of requirements. 9 In 1911, Mendels and his advisers drew up a constitution and formed the New York Curb Market Association, which can be considered the first formal constitution of American Stock Exchange. 8
My view in writing this put is that I believe RIO will go up, the aim of being an options writer is to buy the option back at a price that is lower than what it was sold for. Option writers have the opposite view to option buyers so if I write a put option I am bullish, if I write a call option I am bearish.
ETOs are not issued by the company and are traded on the Australian Securities Market. ETOs are known as American options they can be exercised at any time. And their exercise does not result in any change to the capital structure of the underlying company.
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A trader who simply writes options without the underlying security is said to have taken on a naked position. All sounds rather glamorous, doesn’t it! Naked option writers are liable for margins to be levied against their account by the ASX. Option writers are said to have undertaken a credit transaction since they receive an option premium when the position is initiated. In some instances, option writers can face theoretically unlimited losses. Option writers and buyers can make great money, if they are consistent, know the ins and outs of the market, and focus on their money management.
Exchange traded options (ETOs) are generally the first form of derivative that traders are exposed to, and much to our dismay it has become the practice of spruikers of ETO trading schemes to suggest to people that they move straight into option trading without any prior exposure to the markets.
Conversely, a put option is the right but not the obligation to sell a given security at a certain price within a given time. So if I purchase an ANZ 3100 June put I have bought the right but not the obligation to sell ANZ at $31.00 on or before the end of June.
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Even though this definition sounds a bit confusing, it’s important that you spend some time considering it. An ETO is the right but not the obligation to buy or sell a given security at a certain price within a given time. So if I purchase a BHP call option I have bought the right but not the obligation to buy BHP at a set price by a given time. As an example if I have bought the BHP July 3000 call I have bought the right to buy BHP at $30.00 on or before the expiry date in July. You will notice that when I write $30.00 I write it as 3000. This is a form of shorthand that is used to describe the strike or exercise price of an option. So an AMP June 825 call is an AMP $8.25 call option.
Sling is finally available on gaming consoles now that it’s streaming on Xbox One, where users can also get a free month-long trial of Sling.
Dish’s standalone streaming Sling TV service continues to add more value to its $20/month subscription price, with the announcement today that Sling is now accessible through Xbox One consoles and that four channels are being added to the standard Sling lineup.
Sling is also launching two new add-on packages of channels, each for $5. The “Lifestyle Extra” currently includes truTV, Cooking Channel, DIY and WE tv. Two more channels — FYI and LMN — will soon be added. Then there’s the “World News Extra” package that includes Bloomberg TV, HLN, Euro News, France 24, NDTV 24/7, News 18 and Russia Today.
The four upcoming additions to the base package are A&E, History, H2, and Lifetime. When these launch, that will bring the standard tier of Sling service up to 20 channels of live TV.
Considering that this launch is flagged as an Xbox “exclusive,” and since Sony has its own streaming service in the offing, we aren’t holding out much hope that we’ll see Sling on PS4 anytime in the immediate future.
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The value of an unsigned binary integer is therefore
In computing, bit numbering (or sometimes bit endianness) is the convention used to identify the bit positions in a binary number or a container for such a value. The bit number starts with zero and is incremented by one for each subsequent bit position.
where bi denotes the value of the bit with number i, and N denotes the number of bits in total.
The recommended style for Request for Comments (RfC) documents is "MSB 0" bit numbering. 3 4
PL/I numbers BIT strings starting with 1 for the leftmost bit.
Bit numbering is usually transparent to the software, but some programming languages like Ada or VHDL allow specifying the appropriate bit order for data type representation. 5
When the bit numbering starts at zero for the least significant bit (LSB) the numbering scheme is called "LSB 0". 1 This bit numbering method has the advantage that for any unsigned number the value of the number can be calculated by using exponentiation with the bit number and a base of 2. The value of an unsigned binary integer is therefore
Similarly, when the bit numbering starts at zero for the most significant bit (MSB) the numbering scheme is called "MSB 0".
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Research and academic institutions, professional associations, and think-tanks aim to observe, model, understand, and publish recommendations to improve the transparency and effectiveness of the global financial system. For example, the independent non-partisan World Economic Forum facilitates the Global Agenda Council on the Global Financial System and Global Agenda Council on the International Monetary System, which report on systemic risks and assemble policy recommendations. 58 59 The Global Financial Markets Association facilitates discussion of global financial issues among members of various professional associations around the world. 60 The Group of Thirty (G30) formed in 1978 as a private, international group of consultants, researchers, and representatives committed to advancing understanding of international economics and global finance. 61
As the inception of the United Nations as an intergovernmental entity slowly began formalizing in 1944, delegates from 44 of its early member states met at a hotel in Bretton Woods, New Hampshire for the United Nations Monetary and Financial Conference, now commonly referred to as the Bretton Woods conference. Delegates remained cognizant of the effects of the Great Depression, struggles to sustain the international gold standard during the 1930s, and related market instabilities. Whereas previous discourse on the international monetary system focused on fixed versus floating exchange rates, Bretton Woods delegates favored pegged exchange rates for their flexibility. Under this system, nations would peg their exchange rates to the U.S. dollar, which would be convertible to gold at $35 USD per ounce. 8 :448 19 :34 20 :3 21 :6 This arrangement is commonly referred to as the Bretton Woods system. Rather than maintaining fixed rates, nations would peg their currencies to the U.S. dollar and allow their exchange rates to fluctuate within a 1% band of the agreed-upon parity. To meet this requirement, central banks would intervene via sales or purchases of their currencies against the dollar. 13 :491–493 15 :296 22 :21 Members could adjust their pegs in response to long-run fundamental disequillibria in the balance of payments, but were responsible for correcting imbalances via fiscal and monetary policy tools before resorting to repegging strategies. 8 :448 23 :22 The adjustable pegging enabled greater exchange rate stability for commercial and financial transactions which fostered unprecedented growth in international trade and foreign investment. This feature grew from delegates' experiences in the 1930s when excessively volatile exchange rates and the reactive protectionist exchange controls that followed proved destructive to trade and prolonged the deflationary effects of the Great Depression. Capital mobility faced de facto limits under the system as governments instituted restrictions on capital flows and aligned their monetary policy to support their pegs. 8 :448 24 :38 25 :91 26 :30
The IMF has reported that the global financial system is on a path to improved financial stability, but faces a host of transitional challenges borne out by regional vulnerabilities and policy regimes. One challenge is managing the United States' disengagement from its accommodative monetary policy. Doing so in an elegant, orderly manner could be difficult as markets adjust to reflect investors' expectations of a new monetary regime with higher interest rates. Interest rates could rise too sharply if exacerbated by a structural decline in market liquidity from higher interest rates and greater volatility, or by structural deleveraging in short-term securities and in the shadow banking system (particularly the mortgage market and real estate investment trusts). Other central banks are contemplating ways to exit unconventional monetary policies employed in recent years. Some nations however, such as Japan, are attempting stimulus programs at larger scales to combat deflationary pressures. The Eurozone's nations implemented myriad national reforms aimed at strengthening the monetary union and alleviating stress on banks and governments. Yet some European nations such as Portugal, Italy, and Spain continue to struggle with heavily leveraged corporate sectors and fragmented financial markets in which investors face pricing inefficiency and difficulty identifying quality assets. Banks operating in such environments may need stronger provisions in place to withstand corresponding market adjustments and absorb potential losses. Emerging market economies face challenges to greater stability as bond markets indicate heightened sensitivity to monetary easing from external investors flooding into domestic markets, rendering exposure to potential capital flights brought on by heavy corporate leveraging in expansionary credit environments. Policymakers in these economies are tasked with transitioning to more sustainable and balanced financial sectors while still fostering market growth so as not to provoke investor withdrawal. 62 :xi-xiii
U.S. President Herbert Hoover signed the Smoot–Hawley Tariff Act into law on June 17, 1930. The tariff's aim was to protect agriculture in the United States, but congressional representatives ultimately raised tariffs on a host of manufactured goods resulting in average duties as high as 53% on over a thousand various goods. Twenty-five trading partners responded in kind by introducing new tariffs on a wide range of U.S. goods. Hoover was pressured and compelled to adhere to the Republican Party's 1928 platform, which sought protective tariffs to alleviate market pressures on the nation's struggling agribusinesses and reduce the domestic unemployment rate. The culmination of the Stock Market Crash of 1929 and the onset of the Great Depression heightened fears, further pressuring Hoover to act on protective policies against the advice of Henry Ford and over 1,000 economists who protested by calling for a veto of the act. 8 :175–176 15 :186–187 16 :43–44 Exports from the United States plummeted 60% from 1930 to 1933. 8 :118 Worldwide international trade virtually ground to a halt. 17 :125–126 The international ramifications of the Smoot-Hawley tariff, comprising protectionist and discriminatory trade policies and bouts of economic nationalism, are credited by economists with prolongment and worldwide propagation of the Great Depression. 3 :2 17 :108 18 :33
Governor of the Bank of England and former Governor of the Bank of Canada Mark Carney has described two approaches to global financial reform: shielding financial institutions from cyclic economic effects by strengthening banks individually, and defending economic cycles from banks by improving systemic resiliency. Strengthening financial institutions necessitates stronger capital requirements and liquidity provisions, as well as better measurement and management of risks. The G-20 agreed to new standards presented by the Basel Committee on Banking Supervision at its 2009 summit in Pittsburgh, Pennsylvania. The standards included leverage ratio targets to supplement other capital adequacy requirements established by Basel II. Improving the resiliency of the global financial system requires protections that enable the system to withstand singular institutional and market failures. Carney has argued that policymakers have converged on the view that institutions must bear the burden of financial losses during future financial crises, and such occurrences should be well-defined and pre-planned. He suggested other national regulators follow Canada in establishing staged intervention procedures and require banks to commit to what he termed "living wills" which would detail plans for an orderly institutional failure. 68
In 1947, 23 countries concluded the General Agreement on Tariffs and Trade (GATT) at a UN conference in Geneva. Delegates intended the agreement to suffice while member states would negotiate creation of a UN body to be known as the International Trade Organization (ITO). As the ITO never became ratified, GATT became the de facto framework for later multilateral trade negotiations. Members emphasized trade reprocity as an approach to lowering barriers in pursuit of mutual gains. 16 :46 The agreement's structure enabled its signatories to codify and enforce regulations for trading of goods and services. 32 :11 GATT was centered on two precepts: trade relations needed to be equitable and nondiscriminatory, and subsidizing non-agricultural exports needed to be prohibited. As such, the agreement's most favored nation clause prohibited members from offering preferential tariff rates to any nation that it would not otherwise offer to fellow GATT members. In the event of any discovery of non-agricultural subsidies, members were authorized to offset such policies by enacting countervailing tariffs. 13 :460 The agreement provided governments with a transparent structure for managing trade relations and avoiding protectionist pressures. 17 :108 However, GATT's principles did not extend to financial activity, consistent with the era's rigid discouragement of capital movements. 33 :70–71 The agreement's initial round achieved only limited success in reducing tariffs. While the U.S. reduced its tariffs by one third, other signatories offered much smaller trade concessions. 25 :99
Economists have referred to the onset of World War I as the end of an age of innocence for foreign exchange markets, as it was the first geopolitical conflict to have a destabilizing and paralyzing impact. The United Kingdom declared war on Germany on August 4, 1914 following Germany's invasion of France and Belgium. In the weeks prior, the foreign exchange market in London was the first to exhibit distress. European tensions and increasing political uncertainty motivated investors to chase liquidity, prompting commercial banks to borrow heavily from London's discount market. As the money market tightened, discount lenders began rediscounting their reserves at the Bank of England rather than discounting new pounds sterling. The Bank of England was forced to raise discount rates daily for three days from 3% on July 30 to 10% by August 1. As foreign investors resorted to buying pounds for remittance to London just to pay off their newly maturing securities, the sudden demand for pounds led the pound to appreciate beyond its gold value against most major currencies, yet sharply depreciate against the French franc after French banks began liquidating their London accounts. Remittance to London became increasingly difficult and culminated in a record exchange rate of $6.50 USD/GBP. Emergency measures were introduced in the form of moratoria and extended bank holidays, but to no effect as financial contracts became informally unable to be negotiated and export embargoes thwarted gold shipments. A week later, the Bank of England began to address the deadlock in the foreign exchange markets by establishing a new channel for transatlantic payments whereby participants could make remittance payments to the U.K. by depositing gold designated for a Bank of England account with Canada's Minister of Finance, and in exchange receive pounds sterling at an exchange rate of $4.90. Approximately $104 million USD in remittances flowed through this channel in the next two months. However, pound sterling liquidity ultimately did not improve due to inadequate relief for merchant banks receiving sterling bills. As the pound sterling was the world's reserve currency and leading vehicle currency, market illiquidity and merchant banks' hesitance to accept sterling bills left currency markets paralyzed. 11 :23–24
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I find it hard to decipher what the dialog box options mean. My translations are:
But if you're a mouse user, click the Styles box on the toolbar and choose List Bullet 2, or List Bullet 3, as you need. Alternatively, there are several other ways to apply the List Bullet styles.
Down the bottom of the dialog, Link Level 1 to style "List Bullet".
However… Word wouldn't be Word without a few bugs. One bug that interferes with controlling your lists in this way is that Shift-Alt-Right doesn't work on the first List Bullet paragraph in your document. Instead, the whole scheme of bullets moves to the right. So, don't use Shift-Alt-Right on the first bulleted paragraph in your document.
Hint: In Word 2000 and earlier, the second and subsequent lines in your bulleted paragraph may not line up properly. To avoid this, modify the List Bullet style to remove all tabs.
Figure 2: How to set indents for bullets in Word 2002 and Word 2003 in the Customize Outline Numbered List dialog box. In this example, if you want "demonstrates" to line up under "This paragraph", use 2cm, 3cm, 3cm.
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The #1 secret confession from the post:
Anxious to find out if the super secret things you do to survive as a mom are normal or just plain nuts? Check out these top 10 mom confessions and see how you compare. My guess? You may be surprised to see that you are in great company!
Confession #1: Mom Wants to be Left Alone Me time, when you can do whatever you darn well please, becomes practically non-existent once you’re a parent, and our survey found it’s the pre-baby luxury that moms miss most. Out of everything they miss from before kids—a better body, more disposable income, time with friends—23% of moms most crave alone time. “I can’t wait to get away from my kids sometimes. I need alone time (even away from my husband),” wrote one mom. Fourteen percent most pine for their pre-baby body and an equal number put sleep as #1 on their wish list.
Confession #2: She’s Weird About Breastfeeding Society sends a lot of mixed messages about nursing, and it turns out moms have internalized the debate. While 18% of moms say they judge others for choosing not to breastfeed, even more—42%—confess they get sketched out over extended breastfeeding. “I breastfed my daughter until after she was 2, but my mom and husband are the only ones that know that,” one respondent wrote.
Father of 6 amazing kids and a husband to an incredible wife for over 21 years! Committed to growing this community and helping us all to raise better kids!
Would you like to see the remaining confessions to round out the top 10?
TORONTO, Dec. 5, 2012 /CNW/ - Canadian Broker Network ("CBN") and Intact Financial Corporation (TSX : IFC) announced today that they have reached an agreement whereby CBN will acquire Intact affiliate South Western Insurance Group Limited ("South Western"), a wholesale insurance intermediary that provides brokerages with specialty and niche insurance markets. Terms of the transaction, which is expected to close by the end of the year, were not disclosed.
"We are pleased to have found in CBN the perfect organization to help South Western realize its growth potential," said Louis Gagnon, President and Chief Operating Officer of Intact Financial Corporation. "Under the strategic direction of CBN, South Western will be well-positioned to better serve the needs of insurance brokers across the country."
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