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Выбор редакции
26 октября, 17:37

Home Depot's Stumbling Share Price Shines Flashing Red Light On Health Of U.S. Consumer

I wrote a bearish column for Forbes on Home Depot on August 16th, and since then the shares have fallen 10.1%. It's easy for me to write negative columns on companies like Tesla and Twitter that are poorly run and tremendously misvalued by the market, but HD is neither. The [...]

26 октября, 17:14

Stock Market News for October 26, 2016

A spate of disappointing quarterly reports dragged the major indexes down on Tuesday.

26 октября, 00:46

International Entrepreneurs Can Create American Jobs

During this election season, candidates for all levels of office are debating the merits of policies to expand job growth and boost the American economy. One simple, pro-growth reform that candidates from both parties should champion is the launch of a start-up visa for immigrant entrepreneurs who want to build their companies in America. Entrepreneurs create new firms, and new firms drive job growth in the U.S. Despite this, the American economy lacks a straightforward visa option for foreign entrepreneurs ready and willing to bring their business ideas to our country. This hurts American workers who would benefit most from these new jobs. All signs point to Congress reigniting the immigration reform debate in 2017 after a new Congress and president are ushered in. Lawmakers should immediately seek to move forward on a start-up visa and remove the unnecessary restrictions preventing job creators from coming to America. Other countries around the world, including Canada, Australia, and Germany, have adopted startup or entrepreneur visas to help fuel economic growth. While these nations benefited from the extension of legal migration opportunities for entrepreneurs, the impact in the U.S. could be even larger considering the huge network of dynamic city centers home to business creation. A start-up visa has been introduced multiple times in Congress by a bipartisan group of lawmakers. Analysis of these bills suggests that such a visa could create hundreds of thousands of new jobs within the first decade after launch. Research suggests more recent proposals could create over 3 million jobs in that time. However, until Congress decides it's time to move on immigration reform, a start-up visa will remain in the category of great ideas that lacked needed political push. But the silver lining is that some solutions to the issue of immigrant entrepreneurs have sprouted up since the startup visa failed last time on Capitol Hill. Universities in Massachusetts, Colorado, Alaska, and New York have begun to use their H-1B visa cap exemption to employ foreign entrepreneurs in graduate programs. These entrepreneur in residence (EIR) programs retain foreign students in the U.S. and keep their company on our shores. Such programs lead to growth in both low and high skilled jobs in local areas. Until a startup visa is adopted broadly, these programs should be expanded with more schools and more cities. Last month, the Obama Administration also announced a new rule aimed at offering parole to international entrepreneurs. The policy change is narrow and complicated, but marks a positive step forward in the overall reform of high-skilled immigrants. But the type of comprehensive reform needed to give international entrepreneurs a real option in coming to the U.S. must be approved by Congress, and that won't happen in 2016. Restricting immigrant entrepreneurs from working in the U.S. doesn't help the American workers looking for jobs which can be offered by start-ups, and certainly doesn't benefit potential consumers of the innovative products and services those startups can provide. Those looking to "put Americans first" in our globalized economy should recognize that relying on foreign job creators does just that. Our history is rife with examples in which the U.S. economy infused new ideas and products from immigrants to power our economy. For proof of this, look no further than the short-list of immigrant-founded companies includes Google, AT&T, eBay, IBM, McDonald's, Boeing, Home Depot, and Budweiser. Immigrants are more than twice as likely to start new companies than natives and those companies creates more jobs along the way. Attracting and retaining the best talent from overseas should be a top priority for all policymakers. This aspect of economic reform has largely been absent, despite its potential bipartisan support. Let's reform our strict high-skilled immigration restrictions and allow the smartest and most forward-thinking entrepreneurs from around the world to innovate and generate wealth here in the most productive country, creating jobs for the American people along the way. The Silicon Valley ethos in America is the product of immigration. Keeping our doors open to those with dreams of becoming the next Steve Jobs is crucial to keeping the U.S. economy strong in the 21st century. -- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.

Выбор редакции
25 октября, 16:39

Home Depot shares fall 2.5% at $124.50 to lead Dow decliners in early trade

This is a Real-time headline. These are breaking news, delivered the minute it happens, delivered ticker-tape style. Visit www.marketwatch.com or the quote page for more information about this breaking news.

25 октября, 15:53

Central Garden & Pet Acquires Segrest for $60 Million

Central Garden & Pet (CENT) recently announced the buyout of Segrest Inc. for $60 million in cash.

20 октября, 20:03

Fewer Stores Plan To Close For Thanksgiving This Year

It’s 4:30 p.m. on Thanksgiving and you’re contemplating a slice of pecan pie (your third... potentially). You aren’t eager to leave the warmth of the dinner table and the company of your family and friends ― plus, the gluttonous third slice would give you sufficient excuse to delay tackling the pile of dishes in the kitchen. Inhibitions long gone, you go for it.  Meanwhile, in a cold department store two miles away, fluorescent lights illuminate stacks of inventory. Frenzied shoppers on the sales floor need to know: Why won’t you price match? What’s the company’s return policy? Does it come in stainless? Welcome to the dichotomy of Thanksgiving, a holiday ostensibly about appreciation and giving thanks that is struggling to compete with profit-driven companies eager to kick off the holiday season. This year, 49 percent of retailers plan to open on Thanksgiving, according to PricewaterhouseCoopers’ 2016 Holiday Report, 1 percent more than last year. (About 9 percent of the retailers PwC surveyed have yet to decide their plans for the day). Amid that small uptick, however, the share of retailers opting to remain closed has become increasingly vocal. “Almost half of those choosing to close their doors on Thanksgiving Day are doing so to better align with their corporate values—and with their employees,” notes PwC. More than a fifth of those surveyed said employee morale is their primary reason for not opening on Thanksgiving this year. Among those is Mall of America, the biggest mall in the country, which will close for Thanksgiving this year for the first time since 2012. “We think Thanksgiving is a day for families and for people we care about,” Jill Renslow, the mall’s senior vice president of marketing, explained earlier this month. “We want to give this day back.” We think Thanksgiving is a day for families and for people we care about. We want to give this day back. Mall of America executive Jill Renslow In Maine, Massachusetts and Rhode Island, decades-old “blue laws,” holdovers from the area’s Puritan past, actually prohibit most large stores from opening Thanksgiving Day. And in Ohio, state Rep. Mike Foley (D-Cleveland) introduced a bill in 2014 that would protect workers from retaliation by their employer if they refused to work on Thanksgiving. (Enthusiasm for the bill fizzled and it didn’t come close to being signed into law.) “Thanksgiving Day is supposed to be a day when we retreat from consumerism,” Foley explained at the time. “It’s a day when you hang out with your family, go play touch football, have a big turkey dinner, and complain about your crazy uncle or cousin—but you don’t think about super blockbuster sales at Target.” (On the flip side, it’s worth noting some employees don’t mind working Thanksgiving, and in some cases welcome the opportunity for overtime pay. Few retail employees, however, have the luxury of making the decision for themselves.) For those keeping track, Black Friday, the day after Thanksgiving, is an entirely different creature: PwC found 85 percent of retailers plan to open that day, the same number as in 2015, despite predictions the shopping event will see 8 percent fewer shoppers this year. Here are some of the larger retailers who have announced they will close on Thanksgiving (via BestBlackFriday.com):   Barnes & Noble Bed Bath & Beyond Burlington Cabela’s Costco Crate and Barrel Dillard’s DSW GameStop Guitar Center Harbor Freight Hobby Lobby Home Depot IKEA Jo-Ann Fabric & Craft Stores Jos. A Bank Lowes Mall of America Marshalls Mattress Firm Menards Neiman Marcus Nordstrom Nordstrom Rack Office Depot Office Max Patagonia Petco PetSmart Pier 1 Imports Publix Sam’s Club Sierra Trading Post Staples The Container Store T.J. Maxx  -- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.

19 октября, 15:15

Masco's (MAS) Cost Saving Plans Bode Well, Fx Woes Stay

Masco's (MAS) first two quarters of 2016 were marked by robust growth in earnings, revenues and margins as it capitalized on the improving momentum in the repair and remodeling and new home construction industry.

18 октября, 23:20

Super PACs lifted by megadonors, unions in third quarter

Wrestling magnate and former Senate candidate Linda McMahon has given $6 million to a pro-Trump super PAC. (AP Photo/Jessica Hill, File) By: Jack Noland Three liberal labor-connected super PACs took in more than $44.4 million in the third quarter of 2016, according to reports filed last weekend, while two others that are backing GOP presidential nominee Donald Trump drew in $30.3 million. The five were among the largest super PACs to file reports for the three-month period ending Sept. 30; some other major super PACs, including the pro-Hillary Clinton Priorities USA Action, file monthly reports, which are due in two days (Oct. 20). A quick rundown: For Our Future PAC On the liberal side, For Our Future PAC, a super PAC formed earlier this year by environmentalist and former hedge fund manager Tom Steyer and four labor unions, brought in more than $30 million last quarter. A hefty chunk of that haul came from the unions, with the AFL-CIO, American Federation of State, County and Municipal Employees, the American Federation of Teachers and the National Education Association kicking in contributions of more than $1 million over the course of the cycle. Steyer's NextGen Climate Action super PAC gave $5.0 million. And the group also came into some Silicon Valley money, with Facebook co-founder Dustin Moskovitz and his wife, journalist and philanthropist Cari Tuna, combining for $5 million in gifts. For Our Future spent $3.8 million supporting or opposing a number of federal candidates between July and September, concentrating on battleground Senate and House races. But the group has saved its big artillery for the presidential race, dropping more than $3.3 million on pro-Clinton or anti-Trump expenditures. United We Can PAC United We Can PAC collected almost $9.8 million in the third quarter, with the majority coming from the Service Employees International Union; the union has given just under $7.8 million to the super PAC this year. NextGen Climate Action Fund chipped in another $1.05 million in the three-month period, while Planned Parenthood Votes donated $334,416, with both giving in-kind staff salaries and benefits. As with For Our Future, United We Can has focused its independent expenditures on a variety of close federal races around the country, but it has invested most heavily in the presidential contest. In the year-to-date, the PAC has made about $10.8 million worth of independent expenditures backing Clinton and opposing Trump; much of that has been spent on voter canvassing and literature. Working America Coalition Working America, the AFL-CIO's political advocacy and independent expenditure affiliate, also raised and spent significantly in the third quarter. The super PAC took in over $4.6 million during the period, much of it coming from the AFL-CIO and related unions in the form of in-kind staff time and services. Working America fell into the pro-Clinton, anti-Trump camp, spending hundreds of thousands of dollars on fliers, direct mail and other efforts. The super PAC has also spent considerable resources on battleground congressional races. Future45 Republican fundraising heavyweights Sheldon and Miriam Adelson, whose large checks to outside groups have buoyed GOP campaigns for years, gave $10 million to Future45 -- controlled by the ultra-wealthy Republican donors Todd and Joe Ricketts -- in the third quarter, good for most of the $12.3 million the organization received. The PAC sits on $9.9 million in cash to spend down the stretch. So far, Future45 has spent just over $3.3 million on anti-Clinton independent expenditures; it hasn't been involved in any House or Senate contests. Rebuilding America Now Devoted solely to helping elect Trump, Rebuilding America Now, founded by investor and Trump backer Tom Barrack, collected almost $18 million last quarter, largely from a handful of high-dollar contributions. Former wrestling executive Linda McMahon kicked in $6 million of that sum, despite having previously called Trump "deplorable"; that was a fraction of the nearly $50 million of her own money she spent trying to win a Senate seat in 2010 and 2012. Home Depot co-founder Bernard Marcus was good for another $5 million and the super PAC also saw seven-figure donations from businessmen Ronald Cameron, Peter Zieve and Walter Buckley, Jr. So far, the super PAC has spent about $17 million praising Trump or attacking Clinton -- about three times as much on the latter than the former.   -- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.

18 октября, 22:54

Why Marketing Pros Should Care About the Dark Web

Many marketing pros have no interest in technology, and when I bring up subjects like the deep web and the dark web, their eyes glaze over and they quickly reach for their phones. But after researching online reputation issues for my new book How to Protect (Or Destroy) Your Reputation Online, I can say with absolute certainty that marketing professionals who ignore the deep web and the dark web do so at their organization's or their client's peril. We begin most of our online interactions through a search engine like Google or Bing, or we access information directly through mobile apps associated with Facebook, CNN, the Weather Channel or another organization that makes its offerings easily reachable. This part of the internet, which everyone can see and is indexed by search engines, is known as the "surface web" and sometimes called the clear web or visible web. However, vast amounts of information and data are exchanged out of the sight of search engines. Known as the "deep web," this includes dynamic web pages, blocked sites, unlinked sites, private sites (like those that require login credentials), non-HTML content and private networks. Some estimates suggest the amount of information on the deep web (also known as the deep net, invisible web or hidden web) is 500 times greater than the surface web. Within the deep web resides another area of the Internet called the dark web (also known as the dark net), where individuals can exchange information anonymously, and oftentimes do so nefariously. To recap, the surface web includes most of the websites which people view on search engines. The deep web comprises everything that is on the internet but isn't indexed or can't be indexed by search engines. The dark web is an area of the deep web where people search and exchange information anonymously. The dark web is part of the deep web, but the deep web is not necessarily dark. And it's inaccurate to suggest that all information on the deep web is deliberately clandestine or malicious. In my opinion, the dark web is the "bad neighborhood at night" of the internet. Originally developed by the U.S. Navy as an avenue for secretive communications, today's dark web is best known as a place for more illicit activities. For example, on the dark web you may find individuals selling drugs, guns, illegal images and videos, and private data. Yet, the dark web is also a platform for corporate whistleblowers as well as the journalists who want to speak with them, revolutionaries who are trying to overthrow hostile governments, and privacy advocates who simply don't want to be tracked during their time online. You will also find law enforcement agencies on the dark web, performing covert operations on the aforementioned illegal activities. One important thing to note is that you are not going to wander onto the dark web by accident. You have to download a special browser, so you can't get there from Chrome, Firefox or Safari and your toddler can't access it on your iPad. (I can't say as much for your teenager). I spoke with several commercial insurance executives recently who told me that cybersecurity is the number one rising threat to businesses around the world. Security breaches, which can bring major reputational hits, should not just be the concern of big-name retailers, online sites like Ashley Madison or political entities like the Democratic National Committee. Any organization that touches private information - credit card numbers, social security numbers, driver's license info, medical records, and so on - is vulnerable to a security breakdown which could do irreparable harm to the business and its reputation. If you don't believe this should be a concern of the public relations and marketing professional, then I only ask that you speak with communications managers at Target or Home Depot. When millions of credit card numbers are stolen from a retailer, does this not cross-over from being solely an issue of cybersecurity to one that impacts the company's collective reputation? Of course it does. Whether we like it or not, as professional communicators we must embrace technology and understand that cybersecurity and reputation management are joined at the hip. If you have any questions about your company's online vulnerabilities, on the surface, deep or dark web, contact an appropriate consultant sooner than later. -- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.

17 октября, 15:45

Central Garden & Pet on Growth Track: Should You Hold?

Investors want to load their portfolio with stocks boasting promising returns and a track record of better-than-expected results, and Central Garden & Pet (CENT) is one such pick satisfying these criteria.

17 октября, 14:05

5 Retail Stocks to Buy on Buoyant September Sales

Retail sales marked a rebound in September, led by stronger auto sales and rise in discretionary spending.

16 октября, 06:33

Trump cash haul bypasses campaign

Though Trump appeared to narrow the fundraising gap with Clinton, much of the money won't benefit his candidacy.

Выбор редакции
13 октября, 22:06

Opportunity Meets Preparation -- How The Home Depot Became "Amazon-Proof" Using Data And Analytics

Not long ago, it looked like Home Depot would be yet another casualty of a tumultuous retail market. Fast-forward to today: Home Depot is beating investors’ expectations and is being described as “Amazon-proof” at a time when many retailers are struggling to connect with their customers and deliver meaningful results to their investors.

13 октября, 18:53

Best No Interest or 0% Credit Cards for Purchases and Balance Transfers for Oct. 2016: Part 2

Sometimes you need to simultaneously look backward and forward. That's the case when you not only need to pay off high-interest credit card debt but also know that you have a big purchase looming, such as gifts for the upcoming holidays. The following 0 percent balance transfer cards can help with both. What makes this article unique compared to other articles is that the cards listed below (with only one exception) feature 0% introductory rates on balance transfers AND new purchases. This is a summary of our picks for the best no interest credit cards for 2016. For more detailed reviews, including reviews on cards not listed below, visit our partner site, CardRatings.com. Please Note! Adding new purchases to your card after you've done a balance transfer will obviously increase your debt load and should be done with extreme discretion. This is part two of a series of posts about the best 0% balance transfer credit cards of 2016. Click on the following link for part 1 of this series. Best Rated 0% Balance Transfer Credit Card Offers for 2016 (Part 1 of 2) If you are looking for a "no interest credit card," this article is for you. Each of the cards below offers a 0 percent balance transfer APR as well as a 0 percent APR on new purchases or cash advances for a set amount of time. As always, remember that no two financial situations are exactly the same. So make sure to crunch all the numbers before deciding which no interest credit card makes sense for you. NOTE: Be aware that all credit card review sites are not created equal! Click here to see why we believe we are the most objective in the field. Also, many financial experts are predicting a significant rate increase in the near future from the Feds. With that looming over our heads, now is a good time to lock in a 0% interest rate and begin paying down your credit card debt. OUR OVERALL WINNER / BEST "NO INTEREST" CREDIT CARD: CHASE SLATE* This card was our favorite in our earlier article on 0% APR balance transfer cards and it carries that title over to this second part of the series. Chase Slate offers a 0% rate on purchases and balance transfers for 15 months and no balance transfer fee, as long as you make your transfer within the first 60 days of opening the account. Scott Bonge, a recent Chase Slate cardholder, is the inventor of an international award-winning product called the GoateeSaver. According to Scott, "This card will help me save $1500 in interest charges over 15 months. Most zero percent balance transfers have a 3% transfer fee, but this card has no transfer fee and no interest for 15 months. This is the first time I've seen a credit card offer like this, but it came at a great time. We were able to transfer balances from several cards from a home remodel to this card. It is nice to know that by transferring our balance from the Home Depot card, we were able to save about 18%, and that was just one card. Having the debt in one place is great. You get a sense of peace knowing you only have one card to keep up with and pay, rather than several." Scott further explained how the card can save a lot of money for cardholders, but on-time monthly payments were critical to avoiding any interest charges or fees. As we get closer to the holiday shopping season, this card helps you not only pay down existing balances, but enjoy 0% on new purchases for 15 months. The complete lack of fees (most transfer offers charge a 3% fee) makes Chase Slate really stand out among the best balance transfer credit cards. After the introductory period, the interest rate is competitive with other national offers between 13.24% and 23.24%. On top of that, Chase is a prominent national institution with services and support to match. OUR RUNNER-UPS Discover It®* The Discover It Card comes with a 0 percent APR on balance transfers for 18 months and 0% on purchases for 6 months. Discover also offers the Discover it® - Cashback MatchTM card where purchases and balance transfers are 0% for 12 months each. In addition to no interest for 12 months, cardholders can also get 5% cash back on all Amazon purchases from October through December and new cardholders can receive double cash back at the end of the first year. On both cards, there is a 3 percent balance transfer fee. After the promotional period, the interest rate is a variable rate between 11.24% and 23.24%. Balances have a limited period where they must be transferred to qualify for the promotional rate. Citi® Simplicity® Card* The Citi Simplicity Card offers a 0 percent balance transfer APR and 0 percent interest on new purchases for 21 months. This is one of the longest introductory offers on the market and the card also comes with Citi's No Late Fees Ever promise as well as no penalty rate. The only catch: The balance transfer fee, which is either 3 percent of the transfer amount or $5, whichever is greater. After the introductory rate, the APR will be 13.24% - 23.24% based on your creditworthiness. Wells Fargo Platinum Visa® Card* This card from Wells Fargo offers both purchases and balance transfers at 0% for 15 months with a 3% balance transfer fee. At the end of the offer period, your APR will be 15.40% to 25.24% based on your creditworthiness. For the budget minded, they also offer convenient tools to help create a budget and manage your spending with their My Money Map application. Another interesting feature is cellular phone protection for those who pay their mobile phone bills with this card. You can get up to $600 protection (subject to a $25 deductible) for damaged or stolen phones. This can be a nice peace of mind feature while the 15 month 0% introductory rate is in effect. BankAmericard Cash Rewards™ Credit Card* In addition to this card offering 0% on both purchases and balance transfers for 12 months, the BankAmericard Cash Rewards card also offers rewards and a cash bonus. So, not only do you get 0% for a year, you can also get $100 cash back for spending $500 in the first 90 days as well as earning cash back rewards on purchases along the way. After the first year, the APR ranges from 13.24 to 23.24 percent, depending on your creditworthiness. As with most national cards, there's also a 3 percent balance transfer fee. U.S. Bank Visa® Platinum Card This card offers a 0 percent APR on balance transfers and new purchases for 12 months. After the first year, the APR ranges from 10.24 to 21.24 percent, depending on your creditworthiness. There's also a 3 percent balance transfer fee. U.S. Bank offers an interesting online tool called FlexControl™ that allows you to automate your credit card payments and help you avoid interest and late fees. With you in control of your automated payments, the service can also help you pay down a balance faster. American Express EveryDay® Credit Card* If you are planning on spending a little on your card while paying the balance transfer down, you may want to consider the Amex EveryDay card. It offers 0% intro APR on purchases for 12 months and balance transfers for 12 months. You have to act fast on this one as balance transfers must be requested within 30 days of the account opening. After the promotional period of 12 months, your APR will be a variable rate, currently 13.24% to 23.24%, based on your creditworthiness. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. Purdue Federal Credit Union Visa Signature Card This is a very fee and rate friendly card. Although the credit union is not open to everyone, those who are not directly in the field of membership can join by applying for Purdue Alumni membership for $50. Basically, to put it in perspective, that is equivalent to a balance transfer fee of about 2% on $2,500. There are no annual fees, balance transfer fees or cash advance fees. This card hits the trifecta with 0% APR for 12 months on balance transfers, purchases and cash advances, a rare offering (cash advance rates are usually considerably higher than purchase rates). After the introductory offer, the ongoing rate is 11.5%-17.5% APR based on creditworthiness. Capital One® QuickSilver ONE®* The Capital One QuickSilver ONE offers a 0 percent APR on balance transfers and purchases for 9 months with no balance transfer fee. After the intro period, the rate changes to 23.24%. You also get 1.5 percent cash back on purchases, not including balance transfers. Although there is no balance transfer fee, there is a $39 annual fee, which could still be worth paying. For example, if you're transferring more than $2,500, then a $39 fee is not a big concern and can be viewed as less than a 2% balance transfer fee. However, if you're only transferring a small balance then you'll probably want to find a card with no annual fee. REAL WORLD EXAMPLE All of these ratings are good, but let's look at a real world example. Amber Stubbs, Senior Managing Editor for Cardratings.com, was able to save quite a bit on purchases around the home. "We looked for 0% on purchase offers and found two cards that met our needs. One card offered 0% for 18 months and the other 0% for 12 months. We put about $2,000 on each card for furniture and home repairs. It was great to know that we could enjoy our updated home early and interest-free. We had budgeted for the expenses and it is fun to watch those balances go down while you are sticking to your plan." Amber's experience was slightly different than Scott Bonge's experience mentioned above with his balance transfers in that he had already spent the money on home repairs and was paying interest on multiple cards. Amber was going to be spending money on new purchases on new cards. BEST LOCAL AND REGIONAL ZERO PERCENT PURCHASE APR CARDS Don't neglect to check out nearby offers. Sometimes the best credit card deals can be found close by. While credit cards from large card issuers and banks such as Capital One, Bank of America and Discover are better known due to larger advertising budgets and national exposure, many times, you can find the best deals in your own backyard. Here is a sampling of offers that can be found close to home. We have compiled a list of the best no interest credit cards currently on the market. Click here or on the image above for a printable PDF of the card table. GETTING REALISTIC WITH YOUR TIME HORIZON According to Amanda Abella, a personal finance writer, business coach and millennial money expert, "When choosing a balance transfer card for the purpose of paying off existing debt, you'll want to take into account how much debt you have and how long it will take you to realistically pay it off. Take your total debt and divide it by the number of months being offered at 0 percent interest to get a monthly amount. You may realize you may need more time than initially thought. In that case, a six-month balance transfer card may not make sense for you." This concludes our list of the best "no interest credit cards. We wish you well in your card research and selection and hope you realize true savings as you pay your balance down from balance transfers, If you would like more information and tips and tricks regarding balance transfer credit cards, click here. OTHER RESOURCES Best Rated 0% Balance Transfer Credit Card Offers for 2016 (Part 1 of 2) The 12 Best Balance Transfer Credit Card Offers of 2016: Longest Terms Why It's Important to Get Your Credit Score Even if You're Warren Buffet Our Ratings/Disclaimer: When reviewing these cards, we do our best to put ourselves in your shoes. We choose cards based on such things as (lack of) fees, finance charges and ease of use. In other words, if we wouldn’t use these cards ourselves, we wouldn’t recommend them! * NOTE: About 40% of the credit card offers that appear in this article are from credit card companies from which we receive financial compensation (these cards are listed as such on our site). They are noted above with an asterisk. We are proud that the majority of cards that we list (about 60%) are cards that don’t advertise with us―- almost all of our competitors ONLY list cards that advertise with them. The bottom line is that we don’t know of another site that prominently lists as many non-advertiser cards! Please note that rates are current as of the publishing date of this article and should be verified prior to applying.    ------------------------------------------------------------------------------------- Co-written by Curtis Arnold, a nationally recognized consumer advocate and founder of CardRatings.com, the pioneering website that started posting the first credit card ratings online around 20 years ago and Shane Tripcony, personal finance blogger and web marketing consultant. Curtis and Shane are the founders of BestPrepaidDebitCards.com, which provides ratings and reviews of prepaid cards and credit cards. (Photos from Adobe Stock) -- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.

13 октября, 17:40

Tap Q3 Earnings Growth with These Sector ETFs & Stocks

The overall Q3 earnings picture is likely to be modestly better than the prior quarters.

13 октября, 14:58

Weyerhaeuser (WY) to Strategically Review Assets in Uruguay

Weyerhaeuser Company (WY) recently communicated its intention of evaluating strategic alternatives for its timberlands and manufacturing operations in Uruguay.

11 октября, 23:30

Not Our Shame

The Trump sex assault tape sounds worse with each listen. Every syllable engenders feelings of being small and wretched and humiliated. I search for the genesis of these emotions, for the source of my desire to curl up into an invisible ball. And the truths wash in: The time my neighbor's boyfriend covered my six-year-old crotch with his (fifty? sixty?) year-old fingers, inserting them through the fabric, while giving me a swim lesson in Coney Island. My shame, even now, floods back. My shame. The time a well-suited man with a briefcase grabbed my denim-covered vagina as he passed me on a sunny Manhattan street. Madison Avenue. With the casualness of ordering a hot dog. I was seventeen. My shame, even now, floods back. My shame. When I tell my husband about these incidents, (just two moments of so many) he is shocked. I'm dismayed that it's a surprise until I realize that, like women all over the world, I carried these dirty secrets as though it was my shame to carry. I go to Facebook, ready to never hide men's crimes again. I post one of my stories. The lesser of the evils (why?) about the man on Madison Avenue: "When I grew up in NYC, being grabbed and groped made life miserable. Going on the subway meant avoiding hands. The worst was when I left Brooklyn and rode into Manhattan. Once, at 17, walking down the streets in a very expensive area, a businessman grabbed me just as Trump described. And the horror still stays with me to this day. It's not locker room talk; it's assault. This pic is me around this age." I put up my high school graduation picture. Without asking for anything, friend upon friends began posting their stories. I was 6, alone in the library, when a creep exposed himself to me. I didn't know what I was seeing, didn't even know what/how to tell. A few years later, my dad sat me down to warn me about such guys-- little knowing it had already begun to happen. The horror starts oh-so-achingly, horribly young: I went through the same gauntlet of sexual harassment and assault going to junior high school and high school on the NYC subway every day. The first time I was groped, I was 11. This stuff ain't just talk--it translates into what happens to girls and women every day, all the time. The first time it happened to me was 11, walking my bike across a 4-lane street in suburban New York. Two boys ran up to me, groped me, and ran away. I remember being groped by "nice boys" from the neighborhood in the water at Revere beach . They thought it was fun. It was not. Today there would be at least some guidance on how to speak it. Then it was just shame. I hated changing classes in junior high. We had lots of stairs in the school and it was hell for girls 6 times a day! Didn't matter if you were wearing pants or skirts, and they got you front and back! Plus the talk that used to go on in study hall or lunchroom. Boys using words like c*+#t if you protested and p%ssy if they thought they were giving you a come on. Deplorable! Girls never said anything to teachers or administrators due to shame. For many of us the assaults were also at home: Knock on wood nothing like this has happened to me in public but I could list of a couple of things that trump has done (either that he's bragged about or women said he did) that my mother's boyfriend did to me at home, or that happened at school. The power of standing up and saying no more is the strongest of weapon we have. A few writers on my thread said "use my name, like New York Times bestselling authors Diane Chamberlain: In my rather rough high school, as we left the cafeteria, there would be a tight bottleneck. Kids poured into the narrow hallway, body to body, and traffic slowed. There were certain boys who would "grab pussy from the rear" (don't know how else to describe it!) while the girls were trapped and helpless in that bottleneck. It was common and repulsive. Complaining finally got teachers to stand guard in that hallway. And M.J. Rose: Yes, it happened to me on the subway. In a blackout on the train once a guy grabbed my breast and them my hand and stuck my hand on his dick. I have never taken the subway alone since I was 15. Rape and assault culture follows us to college: And to make it worse you were told not to dress "that way," like it was your fault. I was 19 and standing--almost hate say this among readers--in the hallowed stacks of my local library. A man squeezed behind me, put his hands between my legs, and swiped. I only saw his back as he swiftly retreated and of course I didn't yell--I was in a library. Who could I tell? I didn't even know what he looked like. Never told a soul till today. I was in college, walking home to my dorm room in the afternoon, when a passing man reached out and grabbed my breast. I wasn't physically hurt, so it was hard for me to explain to myself why I felt so shaken and violated. We leave home, hopeful, then greeted by horror, getting schooled in rape-avoidance: When I moved from California to go to school in Boston, I didn't have a car and had to learn to ride the subway. A male friend told me that if someone groped me - and to be ready because they would - I should wait until the next stop, turn to the guy and scream at the top of my lungs, "GET YOUR FUCKING HANDS OFF ME". He said chances were that the guy would run off the train. It worked. I had to grab a few by the balls, twist and tell them to go away. That worked. Getting past the age where I was a target worked too. What didn't/hasn't worked is trying to change attitudes (or something) so that neither men or women are harassed in that way. Sex is not a weapon. Using it as such is illegal but we need to do more. My first day at Barnard College - riding the subway downtown. Carriage was packed. Next thing I knew this tall, ferocious looking man with a scar running across his face, had shoved his hand beneath my skirt, inside my underpants. I must admit I froze for a moment before finally pushing my way away. And then, like a disease, we try--unsuccessfully-- to avoid assaults as we enter adulthood. The assaults are our own bosses, neighbors, fellow passengers, and those passing by, ready to grab our dignity: I was at the Nathan's on 8th St in the Village when a guy grabbed me and stuck his tongue down my throat. It was horrifying. Still is. I lived in New York in the early 80s and experienced the same thing. I'll never forget walking through Greenwich Village on a beautiful fall day, feeling happy and good about the world, when some guy walked by and said "Nice tits. I'd like to suck 'em off your chest." I felt as if I'd been slapped. I felt violated, humiliated, and suddenly self-conscious about what I was wearing (a sleeveless turtleneck, for God's sake). It ruined my day and stayed with me forever. The idea that men do that now to my daughters makes me sick. Happened to me on #7 train and I had a backpack and French horn with me and I couldn't do anything. For years I thought it was my fault After twenty, thirty, years, forty years and more, we remember. For so many of us it still hurts so badly that we can't even specify the crime: I remember fuming when Clarence Thomas's actions toward Anita Hill were called "unwanted sexual advances." He attacked her! Remember it. Experienced it. Horrified that it is still an issue. I know almost no women who don't have these stories. For me, too, it was back in a time where it was seen as 'harmless fun', and making an issue if it was what was seen as odd. Starting with other boys, quickly including grown men, I remember feeling like I must be wrong for feeling like it WAS a big deal. I remember I had a summer job in Manhattan . . . and was walking from the subway to the job...and this man who was dressed up like a business man . . . approached me and asked me to do some things to him . . . it was horrifying...just horrifying And we had to ride the trains almost pretending to be blind to avoid all the men exposing themselves. I've had a few similar experiences myself and they were mortifying, every one. Doctors, lawyers, mothers, writers, teachers, retirees, journalists--all of us reduced to terrorized girls as we remember: Unwanted attention from powerful men, needing these businesses deals, and that still is true today. All these stories are making me ill. Unfortunately I've had my share of these experiences as well and feel like vomiting now. I like the suggestion of when-i-got-grabbed, something like the take back the night movement years ago...take back the subway, the streets, our bodies, our lives. The husband of a friend of mine grabbed me once in a pool, and I was filled with such shame. I did nothing, yet there I was: so embarrassed to tell anyone. It took weeks for me to find my voice and realize I did nothing wrong. Donald Trump's behavior is indefensible, and it will resonate with many women. I had boss who was coming back from lunch drunk with another guy and passed me and my friend while we were going to lunch. He grabbed my breasts at the corner of Longwood and Brookline Avenues and laughed and said he always wanted to do that. Our words are a rage-filled mix of inchoate and knife-like precision" Groped quite often during my banking days . . . The story of men and boys forcing their will on women and girls is as old as the hills, and absolutely ruinous every damn time. I am struggling between sadness and rage over all this. At 17, I had no idea that a girl could grow up without being subjected to the will or whims of men, that a girl could be treasured, protected, made strong by a wonderful relationship with a father. I really didn't understand how to talk about what happened to me until I was 30 . . . . . . And then there would be many, many, many hours of recovery work in private, and in a women's group. I don't think it's an exaggeration to say that that saved my life -- not because I ever felt I should end my life. I really never did. But because telling and listening was so incredibly powerful, and so anchored me in reality (the reality of the world and a comparative reality with others because I learned about their experiences too) I was given a new foundation to grow from, and 4-5 other women who said yes, and we believe you -- every single week. The deficit that assault imposes on its targets is tremendous. But I made use of the anger I uncovered, and I made it serve me as an individual, and I have never doubted nor apologized for its power. Thank you for opening this difficult and all too common and devastating subject. Women supporting women can do almost anything, and I am proud to know you through this crazy FB network. Blessings of earth on each and every one of you reading or responding to this thread. We speak up for the next generation: It's so creepy to be out with my daughter and see men older than me checking her out. My daughter just said that this (Trump's taped remarks) is what perpetuates rape culture. It's sad that she's aware of it at 17 but also a relief to know that she is able to defend herself and speak out against it. Maybe this generation is taking their professional opportunities for granted and working to eliminate systemic misogyny and discrimination. My daughter is 21 and says that she can be dressed in the crappiest clothes, leggings and a XXL men's button down shirt, hair in a pony tail, no makeup and she gets lewd comments or even just pick up lines. This happens at places like Home Depot and by men old enough to be her father! I find myself grateful for the men who 'liked' the thread. This isn't a war we fight alone. And it happens to men, too: As an "out" gay boy in high school, I was assaulted in the locker room, groped repeatedly and told to "put out" because I was "a disgusting faggot." I was once seized in a parking lot by a bunch of drunk jocks as I made my way home after a drama-class play and tied to a car fender, dragged about the parking lot before three of my drama classmates came flying out in my defense with props - yes, props - from the play to threaten the jocks. I was cat-called in my 20s for dressing like "a fairy" and in my 40s in my government job as a highly skilled grant writer, my male boss made lewd comments to me during supervision, insinuating I could "get ahead if I gave some head" and then, after I refused him on numerous occasions, citing I was married to my husband among other reasons, he proceeded to make my working life a living hell by increasing my workload, denying vacation requests, keeping me late, and generally making himself the center of my personal hell until he caused me to have a nervous breakdown. It's not as common as it is with women, but it happens, and it's horrifying for the person on the receiving end. You feel humiliated, disempowered and it makes you feel as if you've done something wrong, when in fact they are the ones taking advantage of a patriarchal system that favors men in power acting like slobs. I thank writer Kim Bullock, summing this up with such strength. This is me at sixteen, two years AFTER the first time a stranger thought it his right to grope me the manner Trump describes. The photo was taken maybe a month after the time I had three random men in ONE WEEK, all strangers, pinch, proposition or otherwise consider my body their personal plaything. I did or said nothing to invite such attention, not that it should matter, and I was about as covered up as I was in this photo, not that that should matter either. Look closely. That is the face of a child who felt as though she had targets painted over all her private parts and a sign that said "go ahead" on her forehead. That is the face of a child who felt she had no voice, no power. She felt about two inches tall. Why do I share this publicly? To lend my voice to all the other women also sharing their stories today. To stand up and say that I've had it with people excusing rape culture in this country. Trump represents rape culture. It wasn't just locker- room talk and he's not sorry at all. He believes that money and notoriety give him the right to behave that way and he'll continue to do so if elected. . Please don't send the message that treatment like I and millions of other women and young girls have endured is okay. It is not okay! The time has come for all of us to speak up, If we flood social media with our stories, perhaps the men in our lives, many of whom are GOOD men, will not be so quick to dismiss "locker-room" talk. Shame keeps us silent, but we have nothing to be ashamed of. This is not our shame. This is your shame, Mr. Trump, for assaulting women with your groping and grabbing, and your so-called-kisses, and your string of insults towards women for everything from menstruating, to breastfeeding, to eating, to going to the damn bathroom. This is your shame, Billy Bush and every other person who becomes the wingman in assault. This is our shame, America, if we allow this man anywhere near the White House. It is on every decent man and woman in this country to say "No More." Men, their rights, and nothing more; women, their rights, and nothing less. Susan B. Anthony ___________________ Need help? In the U.S., call 1-800-656-HOPE for the National Sexual Assault Hotline. -- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.

11 октября, 19:30

Should You Buy Retail ETFs for Q4?

Market experts expect retail sales growth in 2016 to come on the back of improving wages, job creations as well as steady consumer confidence.

11 октября, 17:00

Fastenal (FAST) Misses Q3 Earnings, Core Business Hurts

Fastenal Company's (FAST) adjusted earnings of 44 cents per share in the third quarter missed the Zacks Consensus Estimate of 45 cents by 2.2%.

11 октября, 16:30

J.C. Penney, SONIC, BHP Billiton, Wellcare Heath and ST Microelectronics highlighted as Zacks Bull and Bear of the Day

J.C. Penney, SONIC, BHP Billiton, Wellcare Heath and ST Microelectronics highlighted as Zacks Bull and Bear of the Day

28 февраля 2014, 15:27

16 миллиардеров, которые начали с нуля

Миллиардеров, которые самостоятельно добились экстраординарного успеха и отлично знают, что такое быть очень бедным, достаточно много. Об этих людях часто говорят - "из грязи в князи". Однако их биографии напоминают нам, что любой человек может добиться невероятных высот, если он верит в себя, много работает и ему улыбается удача.    Ян Кум Бизнес: основатель и СЕО WhatsApp Состояние: $6,8 млрд Кум иммигрировал с родителями из Украины в США в возрасте 16 лет. Долгое время его семья жила на пособие и получала продуктовые талоны. Недавно Facebook объявила о покупке мобильного мессенджера WhatsApp за $19 млрд, в результате чего в Америке появилось несколько новых миллиардеров, в том числе один из основателей компании Ян Кум. Ян вместе с родителями иммигрировал из Украины в США 20 лет назад. Из-за тяжелого финансового положения его семья долгое время снимала субсидированную квартиру и получала продуктовые талоны. Сегодня состояние Кума оценивается в $6,8 млрд.    Кенни Трутт Бизнес: основатель Excel Communications Состояние: $1,7 млрд Отец Кенни был барменом, и для того чтобы заработать на учебу в университете, он работал страховым агентом. Большую часть своего состояния он заработал на компании Excel Communications, которую он основал в 1988 г. и сделал публичной в 1996 г. Два года спустя Трутт пошел на слияние с Teleglobe, заработав на этом $3,5 млрд. Сейчас он на пенсии и инвестирует значительные средства в скаковых лошадей.    Говард Шульц Бизнес: СЕО Starbuck Состояние: $2 млрд Шульц вырос в доме для малоимущих семей, а в университет поступил только благодаря полученной за спортивные достижения стипендии. После окончания он перешел на работу Xerox, а вскоре после ушел в кафе под названием Starbucks, сеть к тому моменту насчитывала всего 60 заведений. В 1987 г. он стал генеральным директором компании, и под его руководством сеть выросла до 16 тыс. точек по всему миру.    Кен Лангоне Бизнес: инвестор Состояние: $2,1 млрд Отец Кена был водопроводчиком, а мать работником столовой. Что помочь своим родителям оплатить школу, он вынужден был искать случайные заработки, а родителям пришлось заложить дом. В 1968 г. он работал с Россом Перо, для того чтобы вывести Electronic Data Systems (HP) на биржу, а всего через два года он стал партнером Бернарда Маркуса при старте Home Depot, которая стала публичной в 1981 г.    Опра Уинфри Бизнес: телеведущая Состояние: $2,9 млрд Опра родилась в бедной семье в штате Миссисипи. Во время учебы в университете штата Теннесси будущая известная телеведущая работала продавцом в продуктовом магазине, который находился рядом с отцовской парикмахерской. Позже она стала работать в местных СМИ, став первой чернокожей женщиной-репортером телевидения Нэшвилла.    Шахид Хан Бизнес: владелец Flex-N-Gate Состояние: $3,8 млрд Сейчас он один из самых богатых людей в мире, но когда Хан приехал в США из Пакистана, он работал посудомойкой, получая $1,20 в час. В настоящее время владеет одной из крупнейших частных компаний в США Flex-N-Gate, командой NFL Jacksonville Jaguars и футбольным клубом премьер-лиги Fulham.    Кирк Керкорян Бизнес: владелец гостиниц в Лас-Вегасе Состояние: $3,9 млрд Вырос в семье армянских иммигрантов. В восьмом классе бросил школу и стал профессиональным боксером. Во время Второй мировой войны Керкорян служил в Королевских ВВС Великобритании. В конце концов он занялся строительство крупнейших курортов и отелей в Лас-Вегасе.    Джон Пол Деджориа Бизнес: основатель Paul Mitchell и The Patron Spirits Company Состояние: $4 млрд В возрасте 10 лет вынужден был продавать рождественские открытки и газеты, чтобы помочь прокормить семью. Впоследствии был отправлен в приемную семьи и даже состоял в банде, до того момента как пошел в армию. Он взял кредит на $700, создал John Paul Mitchell Systems и продавал шампуни, стучась в первые попавшиеся двери. При этом ему приходилось ночевать в собственном автомобиле. Позже он начал проект Patron Tequila, а сейчас инвестирует в другие сектора.    До Ван Чанг Бизнес: основатель Forever 21 Состояние: $5 млрд После переезда в США из Кореи в 1981 г. ему приходилось работать на трех работах одновременно, чтобы свести концы с концами. Работал дворником, продавцом на бензоколонке и официантом в кафе. Первый магазин одежды вместе с супругой Джин Сук был открыт в 1984 г. В настоящее время Forever 21 является международной компанией, число магазинов достигает 480, а годовой объем продаж составляет около $3 млрд.    Ральф Лорен Бизнес: Основатель Ralph Lauren Состояние: $7,7 млрд Лорен окончил среднюю школу в Бронксе. Бросил колледж, для того чтобы пойти в армию. Во время работы продавцом одежды в Brooks Brothers он решил, что люди готовы к более широким и более ярким конструкциям галстуков. В 1967 г. он продал галстуков на $500 тыс., а в следующем году он начал Polo.    Франсуа Пино Бизнес: французский предприниматель, коллекционер и меценат Состояние: $15 млрд Сейчас Пино - лицо конгломерата Kering, но в свое время ему пришлось бросить школу, так как его дразнили из-за бедности семьи. В бизнесе он придерживался стратегии "хищника", скупая небольшие компании в тот момент, когда рынок рухнул. В конце концов он основал PPR, которой сейчас принадлежат Gucci, Stella McCartney, Alexander McQueen и Yves Saint Laurent.    Леонардо Дель Вечио Бизнес: Основатель Luxottica Состояние: $15,3 млрд Дель Вечио был одним из пятерых детей, которых в конце концов отправили в детский дом, так как их овдовевшая мать не могла заботиться о них. Позднее он работал на фабрике по изготовлению автозапчастей и оправ для очков, где потерял палец. В возрасте 23 лет он открыл собственный магазин, который в конце концов стал самым крупным производителей медицинских и солнцезащитных очков, таких как Ray-Ban и Oakley.    Джордж Сорос Бизнес: инвестор Состояние: $20 млрд В раннем возрасте Сорос выдал себя за крестника работника Министерства сельского хозяйства Венгрии, для того чтобы спастись от нацистской оккупации. В 1947 г. он бежал из страны к своим родственникам в Лондоне. Для того чтобы оплатить обучение в London School of Economics, он работал официантом и проводником на железной дороге. После окончания вуза Соросу пришлось работать в сувенирном магазине, прежде чем получить работу банкира в Нью-Йорке.    Ли Кашин Бизнес: гонконгский предприниматель Состояние: $31 млрд Бежал с материкового Китая в Гонконг в 1940 г., но когда ему было 15 лет, умер его отец и Кашин вынужден был поддерживать свою семью. В 1950 г. он основал собственную компанию Cheung Kong Industries, которая первоначально занималась производством пластмасс, а зачем начала работать в секторе недвижимости.    Гарольд Симмонс Бизнес: предприниматель Состояние: $40 млрд Симмонс вырос в лачуге без сантехники и электричества. Ему удалось получить признание в университете Техаса, где он получил степень бакалавра и магистра в области экономики. Первое большое состояние он заработал, купив сеть аптек, которую потом удалось продать за $50 млн. В результате он стал признанным экспертом в области корпоративных приобретений.    Ларри Эллисон Бизнес: основатель Oracle Состояние: $41 млрд Эллисон родился в Бруклине, а воспитали его дядя и тетя. После смерти тети он бросил колледж и переехал в Калифорнию, где перебивался случайными заработками в течение восьми лет. В 1977 г. основал Oracle, которая стала одной из крупнейших технологических компаний в мире.