Target Employee Lies To Me About Refund Policy, Short-Changes Me 25% Of Purchase Price

If you buy something for $10 and have to return it a couple weeks later because it’s defective, you should get the full $10 back, even if it’s since gone on sale, right? This is a lesson that never made it to the employees of one Target in Tennessee.

Consumerist reader J.J. had to return some recently purchased, battery-powered toys … [More]

Source: http://consumerist.com/2013/01/25/target-employee-lies-to-me-about-refund-policy-short-changes-me-25-of-purchase-price/

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Fighting Unsecured Debt * The Top Methods Of Take Away A Person?s Unsecured Debt

When we finally contend with a aftereffects and then tension connected with pacificdebt.com|pacificdebt consolidation|pacificdebt|pacificdebt loansfinancial obligation, we’re feeling rather by itself and sometimes displaced. Really a lot more people contend with this approach exact predicament when compared with some of us discover, along with realism, we aren’t by itself in the least. You’re able to [...]

The post Fighting Unsecured Debt * The Top Methods Of Take Away A Person’s Unsecured Debt appeared first on legal debt help online.

Source: http://www.legaldebthelponline.com/2012/07/01/fighting-unsecured-debt-the-top-methods-of-take-away-a-persons-unsecured-debt/

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Jonathan Ive Would Do No Better Than Tim Cook At Apple

For a while some Apple gurus have been advocating that Apple should fire its CEO Tim Cook and replace him with Jonathan Ive. As Apple stock plunges, the buzz is spreading.

Source: http://www.forbes.com/sites/greatspeculations/2013/01/25/jonathan-ive-would-do-no-better-than-tim-cook-at-apple/

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An Anonymous Glencore Commodities Trader Posted A Fabulous Map Of Where The World's Commodities Come From

An anonymous commodities trader at Glencore did a Reddit Ask Me Anything where he answered a bunch of questions about what it's like to work at a big commodities trading shop (via Izabella Kaminska).

It's impossible to verify for sure that he is what he says he is, but if you read the whole thing, which you should, it reads very professional and sophisticated.

Among the things he posted: A very useful/cool map of the commodities that are held and dominated by the world's emerging markets.

It's not real secret, proprietary stuff, but it's enjoyable to look at and ponder.

commodities map

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Source: http://feedproxy.google.com/~r/businessinsider/~3/CY94DTisVBc/glencore-commodities-trader-map-2013-1

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Super Bowl Partiers Lament: Last Year?s Drought Is This Year?s Uptick In Chicken Wing Prices

Whether your team is in the big game or not, the Super Bowl is happening in a little over a week and fans of eating their faces off while football is on the TV are getting excited. Chicken wings are just one of the drool-worthy traditional fare for many during these parties. But because of 2012′s dry year, you might … [More]

Source: http://consumerist.com/2013/01/25/super-bowl-partiers-lament-last-years-drought-is-this-years-uptick-in-chicken-wing-prices/

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CBS Also Refuses To Let CNET Review TV-Streaming Service Aereo

Hot on the heels of inadvertently giving Dish’s ad-skipping Hopper DVR a publicity boost by refusing to let the editors of CNET give an award to the device, the executives at CNET’s parent company CBS apparently want everyone to hear about live-TV streaming service Aereo.

Yesterday, CNET did manage to write a story about a new update to Aereo[More]

Source: http://consumerist.com/2013/01/25/cbs-also-refuses-to-let-cnet-review-tv-streaming-service-aereo/

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French Airstrikes Blew Up A Key Al Qaeda Leader's House In Mali

Mali

French air strikes destroyed the home of the leader of an Al-Qaeda-linked group in northern Mali as French-led forces advanced Sunday on the Islamist stronghold of Timbuktu.

The overnight strikes in Kidal came 24 hours after French-led troops seized Gao, the most populated town in Mali's Islamist-controlled arid north, which is roughly the size of Texas. Gao is home to about 60,000 people.

"There were air raids on Islamist bases in Kidal," 1,500 kilometres (940 miles) north of the capital Bamako, a Malian security source said, adding that the home of Ansar Dine (Defenders of the Faith) chief Iyad Ag Ghaly was destroyed.

A local official and residents gave similar accounts.

Kidal has been a bastion of Ansar Dine, whose leader Iyad Ag Ghaly is a former soldier and a Tuareg ex-rebel, who formed the group last year.

In April last year after a coup in Bamako, an alliance of Tuareg rebels seeking an independent homeland in the north joined forces with several Islamist groups, seizing Kidal first and then the northern towns of Gao and Timbuktu.

The Islamists quickly sidelined the Tuaregs, imposing a harsh version of Islamic sharia law in the region. Transgressors were flogged, stoned and executed, they banned music and television and forced women to wear veils.

France launched a military offensive on January 11 after Islamists captured a central town and pushed deeper into government territory towards the capital Bamako.

French Prime Minister Jean-Marc Ayrault said the troops, having captured Gao, were advancing on Timbuktu, another key town held by Al Qaeda-linked rebels and a centre of Islamic learning for centuries.

Washington meanwhile decided to step up its role in the conflict by helping refuel French warplanes.

Washington's decision to agree to France's request for air refuelling facilities came after two weeks of deliberation. US Defense Secretary Leon Panetta gave the news to his French counterpart, Jean-Yves Le Drian in a telephone conversation Saturday, a Pentagon spokesman said.

They also discussed plans for the Americans to transport troops from African nations, including Chad and Togo, to facilitate the international effort in Mali.

The US military has an unparalleled fleet of more than 400 tankers equipped to refuel fighters and other warplanes in mid-air. France has about 14 such tankers.

French-led forces took Gao from the Al-Qaeda-linked Movement for Oneness and Jihad in West Africa (MUJAO), one of the Islamist groups that for 10 months have controlled northern Mali.

France said troops from Niger and Chad "will pick up the baton" and that the mayor of Gao, Sadou Diallo, was due to return from the capital Bamako, 1,200 kilometres (750 miles) to the southwest.

"A first contingent of Malian, Chadian and Niger troops are presently in Gao to help secure it," a Malian security source told AFP Saturday by telephone from the town. They had been flown in from Niamey, capital of neighbouring Niger.

Other soldiers from Chad and Niger meanwhile were moving toward the Malian border from the Niger town of Ouallam, which lies about 100 kilometres southeast of Gao.

Mali was expected to be top of the agenda at the African Union (AU) summit in the Ethiopian capital Addis Ababa opening Sunday.

On Saturday, West African defence chiefs meeting in Ivory Coast agreed to boost the their troop pledges for the force to 5,700 from the previous 4,500.

Chad, which neighbours Mali but is not a member of the Economic Community of West African States (ECOWAS) raising the force, has promised an additional 2,000 soldiers.

So far however, only a fraction of the African troops have arrived in Bamako, the Malian capital in the south of the country. French and Malian forces have done all the fighting to date.

The AU last week agreed to seek help from the United Nations with transport, medicine and field hospitals for the African-led force in Mali, or AFISMA.

France has already deployed 2,500 troops to Mali and its defence ministry says 1,900 African soldiers are on the ground there and in Niger.

Aid agencies have shown concern about the growing food crisis for civilians in the vast semi-arid north of Mali and the drought-stricken Sahel as a whole.

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Source: http://feedproxy.google.com/~r/businessinsider/~3/Nw3G8kDXyAw/french-airstrikes-blew-up-a-key-al-qaeda-leaders-house-in-mali-2013-1

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CITI: There Is Really Only One Thing Driving Gold Prices Right Now, And It's Going To Drive Them Lower

Citi Chief Commodities Economist Daniel Ahn and his team are "marking-to-market" their forecasts for gold prices following a substantial sell-off in the gold market over the past several months.

Since peaking at a price of $1798 per ounce on October 4, gold has fallen 7.8 percent to $1658:

Gold chart

The retrenchment in the market has Ahn and his team lowering their forecasts for gold over the next three months from $1770 to $1700 and cutting their forecasts for 6-12 months out from $1770 to $1650. They are also lowering their estimated average gold price in 2013 to $1675 from $1750.

Ahn says the team's forecast is largely dependent on one factor that is overwhelmingly driving gold prices right now: the strength (or weakness) of the U.S. dollar. He writes, "the persistent importance of the dollar exchange rate in driving gold returns even beyond other classic factors is remarkable."

The chart below shows gold's correlation to dollar weakness, represented by the dark blue line. It also shows that gold prices display little or no correlation with the VIX – an index that measures S&P 500 volatility and is commonly referred to as the market's "fear gauge" – nor are they really correlated with investment flows into gold ETFs, or even inflation expectations.

Changes in inflation expectations matter a bit, but not as much as the dollar:

gold correlations chart

Meanwhile, the negative correlation between real interest rates and gold returns seems to have broken down over the course of the past year:

gold correlation with real interest rates chart

The bottom line, Ahn writes, is that "going forward, the dollar’s likely trajectory in 2013 should be scrutinized given its primacy in determining gold returns."

That is why Citi is lowering its gold price forecast (emphasis added):

Our model assumes a +1.2% appreciation in the dollar against a major currency-weighted basket to the end of 2013, also real interest rates at zero, and nominal CPI inflation at +1.9%.

Given the high and resilient negative relationship between the US dollar and nominal gold returns, the model assigns a very high 70% weight on dollar drivers, and only a 20% weighting on ETF flows and a 5% weight on real interest rates and inflation respectively, resulting in a forecast for a -4.2% annualized weakening of nominal gold prices to year-end.

Goldman Sachs strategists, on the other hand, give much higher weight to real interest rates as gold price drivers. You can read their take here >

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Source: http://feedproxy.google.com/~r/businessinsider/~3/JCouwQfEUgs/citi-dollar-the-biggest-driver-of-gold-2013-1

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6 Habits of Confident Retirees

Most folks today have a low opinion of their retirement prospects. Few actually believe they?ll be able to retire before they?re 80, and even then they expect to work to supplement their retirement income. Another sad statistic: Approximately 75% of people in their 40s are actually more afraid of outliving their savings than they are of death!

In the midst of all this pessimism, there are many retirees who are confident that they have saved enough to live out their retirement comfortably. Why is their outlook so different? It isn?t that they know something most people don?t. It?s that they?ve taken action in ways most people never do.

Real-World Retirement Advice

A recent survey of more than 1,000 retired 401(k) participants identified six specific actions these confident retirees took as they saved for retirement.

  • 90% increased their 401(k) contributions when they were able.
  • 87% made the most of their 401(k) plan.
  • 84% estimated their retirement income needs before they retired.
  • 83% reviewed their retirement strategy on a regular basis.
  • 77% enrolled in their retirement savings plan early in their careers.
  • 73% saved the maximum about of money permitted by their 401(k) plan.

Boil it all down, and this is what you get: Save as much as you can for as long as you can, and be involved in selecting and monitoring your investments. It?s advice we?ve heard?and given before. And as these real-world retirees can confirm, it?s advice that works.

You Have the Power

The study points out that it?s hard to be confident about retirement when you?re not saving for retirement. That may sound obvious, but how many people do you know who worry about having enough money to retire but then admit that they don?t have a plan to save that money?

If you?re one of those people, you need to understand that your actions have more influence over your retirement success than taxes, stock market performance or nearly any other factor. Simply increasing the amount you save can result in a better retirement than almost any other action you can take.

Start Saving Today!

It?s a lot of pressure to know that the outcome of your retirement savings plan rests so heavily on your shoulders. That?s why it is important to work with an experienced investing advisor you trust to help you create a plan and implement it.

One of Dave?s investing Endorsed Local Providers (ELPs) will answer your questions and help you get started on a retirement savings plan you can follow through on. Contact your ELP today!

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Source: http://www.daveramsey.com/article/6-habits-of-confident-retirees/lifeandmoney_investing

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