Options Players Bet On More Pain For Caterpillar

Nearer term plays in the fresh weekly options issued on the stock were largely bearish in the first half of the session, with traders buying puts at the May 25 '12 $80, $82.5 and $85 strikes that increase in value if CAT extends losses next week.

Source: http://www.forbes.com/sites/greatspeculations/2012/05/17/options-players-bet-on-more-pain-for-caterpillar/

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Are You Aware By Pointing Out Consolidating Debts Mortgage loan You?re Getting

When i listened to a colleague stating that they no longer dreaded financial obligations due to convenience which he will repay them by using a debt consolidation loans . Is it very easy for you to countertop financial obligations by using a debt consolidation loan bank loan? Certain not to miss matters linked to this [...]

Source: http://www.legaldebthelponline.com/2012/05/15/are-you-aware-by-pointing-out-consolidating-debts-mortgage-loan-youre-getting/

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It's Never Too Late to Hope

By Jon Acuff

Debt talks trash.

It does. The closer you get to wrangling it into a manageable pay-off schedule and the closer you get to actually paying it off completely, the louder Debt gets. It will throw out excuse after excuse about why you shouldn?t be so worried about Financial Peace.

?Relax! What?s the panic for? Let?s just live our life. This is our time to enjoy ourselves. Charge it! You deserve it. Who wants to be one of those pencil-pushing budget nerds? Not me. Not you. Not us!?

Debt will continue to talk trash, and one of its favorite excuses is about timing. Debt loves to tell you, ?It?s too late to start.?

When you start reading Financial Peace or go to a live event, that slippery fiend called Debt will pipe up and tell you that you?re too late. ?If you were younger, sure, you could have gotten your money in order. But it?s too late now to start saving for retirement and worrying about the future. You?re in your 30s or 40s or 50s. Financial Peace is a young man?s game. Give up. Give up.?

This voice gets louder when you read some of the examples of people who have started saving. When you see a chapter where a fictional character started saving at 19 and by 32 had a bajillion dollars, Debt will get all fussy.

?See, Ben started saving when he was 19! You?re not 19! It won?t work. It will never work.?

But even though you might hear something like that, even though Debt might try to step up and complain about the timing of your transformation, there?s a simple truth you need to hold close:

?It?s never too late to start.?

It?s never too late to change your life. It?s never too late to lean in hard to a new budget or a long-term plan. It?s never too late to set things in motion for the generations after you. Randall Wallace, the screenwriter of the movie ?Braveheart,? started when he was 41. Colonel Sanders of Kentucky Fried Chicken, never sold any chicken until he was 67. Michelangelo painted the Sistine Chapel at age 78.

And the reason why it?s never too late is that this is how life works. You?d never say to someone who was running out of a burning house with a photo album clutched in their hands, ?Drop the album. You didn?t save the whole house, so it?s too late to save anything. Give it all up.?

You?d never tell someone who smoked for 10 years, ?It?s too late to stop, you should just keep doing what you are doing.? Not at all. You?d say, ?Start today! A new day, a new you can begin right here and right now. It?s never too late.?

Fictional Ben might have started saving at 19, and you might not be that age anymore. But don?t let an example of long-term saving convince you it?s too late. It?s not. That?s the beauty of hope.

It?s never too late to hope.

Read more from Jon Acuff by getting his book Stuff Christians Like!

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Source: http://www.daveramsey.com/article/its-never-too-late-to-hope/lifeandmoney_debt

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Launch and Grow Your Church Debt-Free

In 2008, Pastor Chris Goins and his wife, Janet, felt called to plant a church. Following God?s lead, they left a secure pastoral position, spent months praying for direction, and decided to launch a2 Church in Birmingham, Alabama.

Before the first service, a2 Church committed itself to two basic ideas. First, they would work to build a biblically functioning community as described in Acts 2?one where people value close relationships with others, are aware of the ways God has gifted each of them to serve, worship with passion and God-centeredness, and have a hunger for scriptural truth.

Second, a2 Church would operate completely free of debt.

Chris once served in a church that was burdened with a few million dollars of debt. He watched the debt strangle life out of that church. He said, ?When you?re facing anywhere from a $40,000 to $60,000 mortgage payment on your debt every month, imagine how that influences your ministry.?

With this in mind, Chris met with a couple of significant financial partners for advice in launching a2 Church. They suggested the church establish a line of credit in order to pay the bills. Chris remained firm. ?I was resolute?if God doesn?t pay our bills, if we can?t operate frugally, if we can?t operate on a cash basis, then we can?t operate.?

Sometimes you have to say no

a2 Church decided they would do more with less. This meant saying no to a fancy building, top-notch equipment and basic furnishing. They rented out an old Gold?s Gym that required extensive renovations. When it rained, they would have to put buckets out all over the church. They cash-flowed what they could afford and put everything else on hold. Instead of spending $68,000 for new sound and lighting equipment, a church volunteer pieced together a system for under $15,000 using donations from other churches and adding to the system as the budget allowed.

In fact, volunteers helped fill in many gaps where money and staff were lacking. The needs allowed people, some for the first time in their life, to play a vital role in the success and growth of the church. They worked alongside Chris and Janet greeting visitors, teaching children, and cleaning bathrooms.

?Volunteers have saved us in so many areas. To this day, our cleaning and janitorial service is done by volunteers. I pray that even as we now have [staff] that we always place a huge emphasis on the need for volunteers.?

Don?t give up on your dream

Unfortunately, even volunteers couldn?t fulfill Chris? dream of live-streaming the worship experience. He had wanted to do this from the beginning, but the money simply wasn?t there. Though he didn't know how he'd pay for the project, in January 2012 he decided to trust in the Lord to provide the money needed. The first estimate came in at $77,000?a big number for the do-more-with-less pastor.

Determined to raise the funds himself, Chris approached a man outside of their church community, speech prepared, to ask for the money. Before he could say why he was there, the man explained that God told him Chris would be coming. He ultimately wrote a $45,000 check, telling Chris to come back for more if needed. Shortly after, Chris received an additional $10,000 and $15,000 from two other donors. In all, he raised $70,000.

?God taught me through that [experience] that our patience in the beginning was good, but it didn?t mean we were saying no to dreams, because God will bring those about in the right time,? Chris said.

Say yes to things that really matter

By keeping a lean budget, a2 Church has also committed to giving at least 10% of all non-designated tithes and offerings to world and domestic missions. They?ve given well over $40,000 to a new church in Austin, Texas, and another $40,000 to missionary organizations in the Middle East. This is all in addition to helping local ministries and individuals in need.

Because the church operates without debt and sets an example of tithing, Chris has the freedom to address money with pure motives. ?We never get up and say, ?If we don?t do X, we?re going to shut the doors.? We?re able to say with integrity, ?We don?t want something from you, we want something for you,?? he said.

They offer Financial Peace University each fall and spring, and they continue to see God?s blessings and activity in the lives of individuals as they work to handle money God?s way.

God is faithful

Chris believes God has honored the church?s commitment. With gradual, steady growth, a2 Church has over 250 people consistently attending on a weekly basis?up from 90 people at the first service just three years ago. They?re currently preparing for mission trips to Cuba and several Navajo reservations, and they?re partnering with Grace House Ministries to provide food to local families in need.

Most importantly, they are regularly seeing people who?ve given up on church come to know God in a whole new way.

?God is faithful. While you may have to say no to a variety of options, the no is really in defiance to a greater yes regarding your future and the liberty that you?ll have going forward,? said Chris.

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Source: http://www.daveramsey.com/article/launch-and-grow-your-church-debt-free/lifeandmoney_church

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Sina Worth $66, Maps Out Way Ahead For Weibo

Year-over-year advertising revenue growth was lower than expected and ad revenue actually dropped significant compared to Q4 2011, while mobile VAS related revenue continued to decline as expected.

Source: http://www.forbes.com/sites/greatspeculations/2012/05/16/sina-worth-66-maps-out-way-ahead-for-weibo/

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Gold Erases Last Summer?s Gains But Don?t Count It Out

Things have to get very much worse again to revive the lesson of 2007-2009. The lesson that banks do go bankrupt. Debt investments do evaporate. Central banks will stop at nothing to stem a credit deflation.

Source: http://www.forbes.com/sites/greatspeculations/2012/05/16/gold-erases-last-summers-gains-but-dont-count-it-out/

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