WASHINGTON The United States Mint begins accepting requests for the 2016 hiking Liberty Half Dollar Centennial Gold Coin (product rule 16XA) on November 17 at noon east Time (ET).
This coin is the last of three 24-karat gold coins the Mint is providing this present year to commemorate the 100th anniversary of three classic coin styles very first released in 1916. The coin's obverse (minds) design, by Adolph Weinman, depicts Liberty as she strides toward the sunrise, holding branches of laurel and pine in her arms to symbolize both municipal and military fame. Liberty wears a Phrygian limit on her behalf mind and an armored dish on her behalf upper body over her gown, with the American banner behind her.
The coin's reverse (tails) design, additionally by Weinman, features an eagle rising from its mountaintop perch. Extra inscriptions on original design will include "AU," "24K," and "1/2 OZ."
Pricing for the coin will be based upon the Mint's prices routine for items containing silver and platinum coins. These items tend to be listed based on the range which they show up on the United States Mint Gold Coin Pricing Grid.
The final amount of hiking Liberty Half Dollar Centennial coins minted is restricted to 70,000 products, with requests restricted to three per home. America Mint encourage requests at https://www.usmint.gov/catalog and 1-800-USA-MINT (872-6468). Hearing- and speech-impaired clients with TTY equipment may purchase at 1-888-321-MINT.
About the usa Mint
The United States Mint is made by Congress in 1792 and became the main Department for the Treasury in 1873. It is the country's only producer of legal tender coinage and it is responsible for producing circulating coinage for the country to carry out its trade and trade. America Mint additionally produces numismatic items, including proof, uncirculated, and commemorative coins; Congressional Gold Medals; and silver, gold, and platinum coins. America Mint's numismatic programs tend to be self-sustaining and function free to taxpayers.
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Personal financial management is not a subject that is taught in every school or college. This is something that nearly all of us face sooner or later. Our competence in dealing with personal finances has been largely dependent on personal experience as parents did not pay much attention to teaching their children how to manage their pocket money. GoBankingRates says that one-third of Americans have no retirement savings. People are increasingly aware of the need to manage their personal finances efficiently taking into account tough economic times.
Parents are now more inclined to explain the rules of personal financial management to their children than never before in order to prepare them for life as adults. But unfortunately, many parents do not know these rules themselves. What can be done to overcome this problem? The answer is very simple: IT solutions can be employed. We live in a time when each of us has a mobile device, and children start using such devices from a very early age: the website LittleThings.com claims that 90% of 2-year-olds use tablets and smartphones. So children are unlikely to feel uncomfortable when learning to manage their finances with the help of technology.
Which Solutions Can be Used?
Websites are the first educational resource that should be addressed. They represent a treasure trove of data on personal financial management. Their content is not limited to articles covering this topic. Such websites may contain a boatload of games and quizzes teaching children to manage their finances, videos, and more. Some of them specialize in a certain type of education materials (e.g. Financial Entertainment represents a financial games library).
Let's take a look at the Practical Money Skills website by Visa.
This website is full of educational materials that can be used by adults and children. Parents can choose materials depending on preferences of a child and his/her needs. Articles are written in simple words and children can understand them easily. They can be read by parents or by children themselves.
Children like games and they can play online games there, and these games will teach them to manage finances. If children (teenagers in particular) need some extra training in making savings and assessing their financial choices, they can use calculators. For instance, teenagers planning to take a year off before starting college usually travel abroad. They have a limited budget, so planning a travel budget plays a very important role. The Travel Budgeting Calculator can show them how much they will spend on a trip.
What about comics? People of different ages like them. This website offers several comics to the visitors that introduce fundamental money management concepts to readers.
Some other materials found on this website are videos, infographics, lesson plans (for educators), etc.
What are Other Options?
Think of downloading a mobile app to your device. Custom financial software and mobile application developers do their best to deliver a killer product. There are many good financial apps that can be used by children.
Here are some of them:
1. Quest to Clean Up: chores, rewards, saving. The app can help parents to teach their children to save and earn money on things they want. Children see how much effort is required to get an item they would like to get. Parents can add task and chores (paid/unpaid) using this app and reward kids after a task is completed.
2. Yuby. This app can become the first financial instrument for children. It has the Chore List that reminds its small users what their chores are and how much money they can get for each task. Yuby shows children the sum of money they have at the moment and displays their financial activity. Children can also see how much money they need to get the stuff from the Wish List.
3. Thrive 'n' Shine. This is an educational adventure game that teaches high school students to manage their personal finance. The app enables users to create avatars they like. Players learn to balance their needs and wants and earn different rewards. There are section quizzes and final summative assessments in this game. Teachers (or parents) can track children's progress using an online dashboard.
4. bankaroo. This app represents a virtual bank that teaches children about the value of money. Parents and children can make use of this app to keep track of money that children save or spend. It helps children to save for important goals. The app supports different languages and currencies. It has a paid (school) version, as well.
5. Lunch Tracker. The app teaches children to manage their saving habits by tracking spending on lunch. It contains money-saving tips. Users can see how much money they spend on dining out, eating at home or packing lunch. Children can also take the 30-day challenge to find out how much they save on a monthly basis.
Becoming savvy managers of personal finances from an early age is very important as rules of personal financial management learned in the childhood can be used by in the adult life. IT solutions can become a means of teaching these rules. Parents can choose any solution their children may like, be it an online game, puzzle, mobile app or something else.
Source by Tatsiana Levdikova
Florida health insurance companies are now feeling the effects of the increased price transparency that the Internet brings. Now longer is it a process of days or even weeks to obtain multiple health insurance quotes from top Florida health insurance companies. The simplest and most efficient way to obtain health insurance in Florida is simply to make the top health insurance companies in the state (Golden Rule/United Healthcare, Aetna, and Humana) compete for your business!
If you cringe at the thought of a United Healthcare agent, an Aetna agent, and a Humana agent all clustering around you amongst a swarm of other Florida health insurance agents and trying to push their company's policy upon you then read on; for health insurance shopping on the Internet has simplified everything. There are numerous Florida health insurance websites that offer Florida health insurance quotes but there are quite a few very important distinctions between the different types.
There are two main types of websites that offer Florida health insurance quotes to Florida health insurance shoppers: Marketing Organizations and Insurance Agencies.
Marketing Organizations do not sell insurance, are not regulated by any insurance department, and generally have no knowledge whatsoever concerning Florida health insurance. However, they can offer consumers a somewhat appealing service. How can they assist in purchasing health insurance?
They act as a middleman between Florida health insurance shoppers and Florida health insurance agents. When Mrs. Smith in Tampa, FL requests a health insurance quote then the marketing company sells her information as a lead to 5 or more Florida insurance agents.
Ignoring the privacy issues and the issue of the qualifications of the health insurance agents that will be purchasing your information there is the larger and more practical issue of do you really want to have 5+ insurance agents aggressively seeking your business?
Imagine that each health insurance agent is taught in their sales training to call you at least 5 times and email you at least 3 times before giving up on you as an insurance prospect: that means that you have received 25 phone calls and 15 emails from various insurance agents!
The second type of website that offers Florida health insurance quotes is the website that is run by an insurance agency (note that it is very important to find only an independent Florida insurance agency meaning an agency that is not tied to working with only one health insurance company but can show you health insurance quotes from all of the top Florida health insurance companies. This is also why we will ignore the quasi third group of websites that offer Florida health insurance quotes: the health insurance carrier websites themselves. These can be a good service but very time consuming. There is a better way to shop for Florida health insurance. Read on-).
Most independent insurance agency websites offer a feature that will allow you to request Florida health insurance quotes. However, there is a much better way to shop for Florida health insurance! Rather than waiting for your request for health insurance quotes to be filled; look for a website that offers instant and LIVE Florida health insurance quotes from top Florida health insurance companies.
With instant LIVE Florida health insurance quotes you have the best of both worlds: you receive the benefits of competitive pricing by viewing the top Florida health insurance companies quotes side by side (the strong point of the marketing organization website model) as well as personal, expert help (the strong point of the insurance agency website model). Not to mention the added benefit of viewing the health insurance quotes from the different health insurance companies in the same format enabling easy side by side comparisons of benefits. This allows for a true apples to apples comparison.
View up to 20 LIVE Florida health insurance quotes from top Florida health insurance companies like Aetna, Humana and Golden Rule/United Healthcare all in less than 20 seconds! View LIVE Florida health insurance quotes now and take advantage of the Internet's price transparency!
Not long ago, all payrolls was once computed by hand, with no help from some type of computer. Professional accounting firms spent a lot of time and energy into monitoring all employee data, files and information, calculating month-to-month wages, hourly remunerations, incentives, ill leaves, advantages, taxes, deductions and so on. And additionally they performed all of this by continuing to keep numerous files filled with track files for every single and each person employed.
Nowadays, but thing are far more simple than they was once. Because technology is obviously specialized in making things easier and much better, very a wide variety of computerized payroll systems can be obtained to save united states with this tiresome task. Now, in the place of maintaining lots of files and spending endless hours calculating, what you need to do is get a payroll pc software system and allow it do all the nasty work.
So handbook vs. computerized payroll system? It surely bares no contrast. a manual payroll system implies performing every thing by hand, while a computerized one will allow its users to store unlimited data, monitoring every thing. While with a manual payroll system you would must keep track of all staff members' time by hand, with a payroll pc software you'll automatically transfer all blows or swipes straight into the device, that may shop them instantly. It could also split up regular work hours from overtime, and determine the various remunerations relating to set parameters. While real human error sneaks in despite having the absolute most systematic handbook payroll system, a computerized payroll pc software will give you precise calculations regardless of the level of data saved.
The computerized payroll pc software systems save your time and money, they may be easy to utilize and they are additionally really useful. There are many different types of payroll pc software systems, with various features, features or benefits. And undoubtedly, the purchase price will vary in accordance with the type of pc software. All programs, but include important features for storing employee information, files and track files, and will allow authorized users to enter, view or transform information at any time. Fundamental features include income handling, direct deposit choices, payroll reports, tax reports, deductions, quarterly and yearly ware reports and others.
More over, while with a manual payroll system you need to do every thing yourself, a computerized payroll pc software will determine automatically all pay frequencies, employee statutory deductions, 401k efforts, incentives, medical advantages an such like. essentially, what you need to do is enter all the data where the deductions are based, additionally the pc software will deal with anything else.
In closing, in comparison to computerized pc software systems, the handbook payroll system occupies precious time, resources and money. So in the place of wasting precious time with the tiresome accounting jobs, let the pc software determine the paychecks, when you focus on establishing your organization, increasing production and income.
Origin by Mihai Dumbrava
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The U.S. Commodity Futures Trading Commission's (CFTC) Division of Market Oversight (DMO) today issued a letter providing a conditional, time-limited extension of the relief provided in CFTC Letter 13-41 regarding masking of certain identifying information required to be reported.
The U.S. Commodity Futures Trading Commission's (CFTC) Division of Swap Dealer and Intermediary Oversight today issued a Staff Advisory to remind Futures Commission Merchants and Introducing Brokers of their compliance obligations to report suspicious activities to the Financial Crimes Enforcement Network, a bureau of the U.S. Department of Treasury.
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CFTC's 2016 SmartCheck Week to Emphasize Continual Background Checks of Financial Professionals
Consumers Are Encouraged to Use Free Online Tools to Perform Annual Check between April 11-17
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The U.S. Commodity Futures Trading Commission's (CFTC) Division of Market Oversight announced today that it has approved FTSEF LLC's (FTSEF) application for temporary registration as a swap execution facility.
Are you in the market for a motorcycle, but have bad credit and need a high risk motorcycle loan? Well don't worry the goal of this article is provide you everything you need to know about getting approved for a high risk motorcycle loan.
First you must understand how motorcycle lenders go about classifying you as high risk. On the average, when a motorcycle lender is looking to approve any motorcycle financing they have a much higher cut off in the credit score range than an auto lender. This exists whether you have good or bad credit.
So with that said an auto lender may approve a FICO credit score of 610 as not a high risk, but a motorcycle lender would most likely classify a FICO credit score of 610 as a high risk motorcycle loan and may not offer an approval on it.
There are two reasons for this:
1. Motorcycles are much harder to repossess in good condition than an automobile. As a result of this simple fact, if you default on your motorcycle loan it is a higher risk to the motorcycle lender than an automobile lender because it is much harder to repossess a motorcycle in good condition than a car.
With all the new motorcycle riders entering the industry there is a high incident of some form of minor or major damage on many motorcycles, which translates in to a lower amount per unit a lender gets when they repossess a motorcycle for a customer that chooses to get bad credit over paying for their motorcycle loan. The damage could be from the repossession agency or the actual owner but the simple fact is motorcycle fetch much less at repossession auctions than automobiles.
This simple fact is one reason good and poor credit motorcycle loans are offered at much higher interest rates than a car and has an overall lower approval percentages when compared with cars.
2. The average motorcycle tends to depreciate very fast. Since motorcycles have higher accident rates and there are many people who once they crash do not pay off their loan, this results in higher defaults for motorcycle lenders. This is another reason motorcycle loan rates are higher and motorcycles are hard to get approved for.
Ok, now that you have a background in how a motorcycle lender views a motorcycle loan, let's look at how you can get approved for a high risk motorcycle loan.
Step one is to really understand your credit report and credit score. Sure if you are looking for high risk motorcycle financing, you probably have had some credit issues in the past. But you never know how those credit issues played out on your credit report until you get a copy of it.
Take a look and make sure everything reported on your credit report is actually true. See every year 1000s of people just like you find creditors made errors on their credit report, which negativity impacted their credit score. If your FICO score shows a 610, but there is 1 error on your credit report you could easily raise your FICO credit score to 625 or higher by getting the error fixed. Always get errors fixed on your credit report before you submit a high risk motorcycle loan application.
Step two is to clean up your credit card debt. I know you are probably thinking I can not do this, but it can make a huge difference in helping you get approved for high risk motorcycle financing. See motorcycle lenders do not like to see your personal credit cards maxed out. Therefore, before you submit your application for motorcycle financing you should try to pay down your credit card debt. Even if you have to do it for the short term it can help you tremendously with getting approved.
For instance, if you have a 610 FICO credit score you will probably be declined if you have all your credit cards maxed out. However, if you are able reduce your credit card debt by 50% you stand a much better chance of getting approved for a high risk motorcycle loan. This is a simple concept but you will be surprised by how many motorcycle buyers fail to do this and never get approved.
Step three and the final step is too finally submit your motorcycle loan application. There are many lenders that specialize in high risk motorcycle loans. I recommend tying about 2 or 3 online motorcycle lenders and then move to your local credit unions or financing provide by the dealership such as Suzuki Finance, Honda Financing, Kawasaki Credit Card or the Polaris Star Card.
Source by Jack Harmon
The U.S. Commodity Futures Trading Commission's (CFTC) Divisions of Market Oversight (DMO) and Swap and Intermediary Oversight (DSIO) today announced that Yieldbroker, a multilateral swaps trading facility that is licensed and regulated in Australia, has qualified for no-action relief in connection with CFTC No-Action Letter No. 15-29 (see Qualified Australian Licensed Market Letter or QALM Letter under Related Links).