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Source: http://earlyretirementjourney.blogspot.com/2012/09/comparing-our-home-vs-rv-spaces.html
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Sunday, September 2, 2012
Video: Highlights: US women rout Costa Rica
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Source: http://nbcsports.msnbc.com/id/21134540/vp/48873470#48873470
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NY teacher: Teen killed on party bus was beloved
NEW YORK (AP) ? A teacher at a Catholic school in New York says that teenager killed when he stuck his head out of a bus hatch on the way to a sweet 16 party was a beloved student.
Police say Daniel Fernandez was among 65 teens aboard the double-decker bus Friday night as it crossed the George Washington Bridge from New York City on the way to a party in New Jersey. He was fatally stuck when the bus passed under a highway overpass.
The 16-year-old was pronounced dead at a hospital.
Fernandez's English teacher at St. Francis Preparatory School was in tears Saturday when she learned he died. She says he was an "adorable, low-key kid" with a sweet smile and lots of friends who was popular "with the girls."
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California to require use tax from out-of-state sellers
Photo: Board of Equalization
Betty Yee represents the Bay Area on the Board of Equalization.
California will require out-of-state retailers to register with its Board of Equalization and collect "use tax" on stuff they sell to customers in the Golden State.
The new law kicks in Sept. 15, and the BOE is sending letters to 200 sellers not based in California to notify them of the change.
Though use tax has been much in the news as the state has wrestled with online giant Amazon.com Inc. (NASDAQ: AMZN), it's been on the books since 1935, when the out-of-state boogeyman was the Sears mail-order catalog.
Under the new law, AB 155, any retailer that has sold more than $1 million in merchandise to California consumers and has had more than $10,000 in sales referred by an affiliate in the state, must collect use tax (it's the same rate as local sales tax) and pay it to the government.
California online shoppers will start seeing the tax on their bills Sept. 15, the BOE said. But the onus is still on consumers to pay use tax if the retailer fails to charge them for it.
Rather than heckling millions of individual consumers to keep track of or guess at their use tax, California will now be able to focus its enforcement efforts on a smaller group of businesses.
Betty Yee represents the Bay Area on the Board of Equalization.
Steven E.F. Brown is web editor at the San Francisco Business Times.
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Source: http://feeds.bizjournals.com/~r/bizj_eastbay/~3/gk5uQI0zcg8/california-to-require-use-tax-from.html
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Saturday, September 1, 2012
Barrett Rainey's Second Thoughts ? Blog Archive ? The statistics are ...
Stories these days dealing with your money almost always have to do with details of why you have less of it ? and how much less. I?m afraid this little outburst of mine will continue that experience. But it might still be interesting because it?s reliable. And quite clear. And quite bad.
When it comes to making just so many statistics out of all of us, our many friends at the U.S. Census factory are the best and the most accurate. So it is with this tale of the monetary decline in nearly all our lives using comparisons developed in the 2010 nose counting.
Our national median household net worth went straight down about 35% between 2005 and 2010. No steeper drop in modern times. But here?s the kicker. If we ignored the wise advice of our parents to buy a home as an investment for our future as they did, your median income went UP ? about 8%. That?s right. If you bought a home during that period, thinking you were setting a good example and building what we euphemistically call a ?nest egg,? your little ?egg? dropped your income more than your friends and neighbors who rented. Damn!
And you know what else went against the common wisdom of previous generations in the personal financial business? Another wise savers ?must do? that probably cost you more than you made? Buying stock. Either through outright purchases in the market or in your I-R-A, 401k or other investing. That, too, added to your overall losses. The census folks don?t make this stuff up, regardless of what your broker says.
People who lost the most net worth during that period were older Americans. In absolute terms, median net worth for those of us 65 and older decreased from about $195,000 to about $170,000. Net worth is the value of your assets after subtracting what you owe.
No matter what your educational level, the losses were across the board. In 2010, those with graduate or professional degrees had a median net worth of $245,000 and those with only a high school diploma had about $42,000. With a bachelor?s degree, the median net worth was about $142,000.
And yet another interesting statistic. In 2000, if you had a bachelor?s degree, your median net worth was twice as large as those with only a high school education. But, by 2010, that disparity went up to almost to three-and-a-half times as large.
Finally, the group who lost the most. Homeowners ages 35 to 44. For those folks, median net worth dropped 59%. Largely because the value of their real estate investment went down so much. And in whatever savings plans they had.
While I?m sure there are some exceptions to all this ? because there always are ? the numbers reflect pretty much what life has been like for the last several years for most of us. We may feel our incomes have been pretty steady or even increased a bit. But the unvarnished fact is ? no matter how hard we work or at how many jobs ? our purchasing power is less and our standard of living is lower.
Regular followers of these SECOND THOUGHTS rants know I hold a low ? make that VERY low ? opinion of most of our national politicians. Especially the current crop in both parties who?ve have made finding solutions to our problems all but impossible. If you want to know what fuels my anger with these bipartisan enemies of their own constituencies, go back and read those numbers again.
As these fools cover their own butts and behave as if their election to public office gave them divine right, each of us in what used to be the proud American middle class is being sucked backwards by their refusal to govern. By simply not solving the economic problems that are severely wounding this country, the upward American elevator we?ve historically taken to new levels of middle class security has been stopped and reversed.
When home ownership and investment in the markets of commerce in this country cause us to go backwards in our personal economic status, something is terribly wrong. When figures as reliable as the census folk show us renting someone else?s property ? and not investing in the nation?s economy for all our benefit ? are better pathways to improving our personal economic status, that too, is terribly wrong.
These are not aberrations. These are not output from a political party with something to win. These are facts taken from numbers that are as real and statistically impersonal as it gets. They prove absolutely that our personal losses in income and net worth ? as participants in America?s middle class ? are not losses caused from unwise purchases or the vagaries of our investment system. They are caused by a national government that refuses to govern. They are the open sores on the body politic created by people in office who either don?t know what to do, or ? if they know ? refusing to act.
If these tragic numbers adversely affect your life as they do mine ? as well as those we love ? do what I?m going to do. Make a note of these statistics and ? when the ballot is in front of you ? refer to that note as you make your mark. ?Cause if we don?t change this soon, we may not have the chance to do it again.
Source: http://ridenbaugh.com/rainey/?p=1612
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Fully Assembled iPhone 5 Is Compared To An iPhone 4 [PHOTOS]
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Seabourn Adds Seventh Continent On - Kidela Capital Group
Aug 30, 2012 By:
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SEATTLE, Aug. 30, 2012 /PRNewswire/ --?More than twenty years after the company pioneered an entirely new style of small-ship, ultra-luxury cruising, Seabourn plans to extend its repertoire of highly desirable cruising destinations to include Antarctica for the first time in 2013. Seabourn Quest, the newest ship in Seabourn's award-winning fleet, will begin a series of four 21- to 24-day voyages sailing between Valparaiso, Chile and Buenos Aires, Argentina starting in November of 2013.
"Seabourn is already renowned for our extensive portfolio of worldwide itineraries," noted Seabourn's president Richard Meadows. "Antarctica was the only continent that Seabourn did not feature in our itineraries. This expands our global reach to all seven continents and builds on our already impressive list of exotic destinations. Seabourn is very proud to be bringing our highly rated ultra-luxury cruise experience to Antarctica."
The?all-suite ship will cruise the Chilean coast, including visits to Puerto Montt for the Chilean Lakes District, Castro on the huge island of Chiloe, and Puerto Chacabuco, from where guests can tour the magnificent Torres del Paine National Park. Then the intimate ship will thread the glaciers, peaks and channels of the Chilean Fjords, culminating in a transit of the Beagle Channel and its spectacular Glacier Alley.? Weather permitting, following a call at Ushuaia in Argentina's Tierra del Fuego, Seabourn Quest will cruise by Cape Horn bound for the Southern Ocean. Guests on board will experience five days in Antarctica, including scenic cruising of highlights such as the breathtaking Lemaire Channel, picturesque Paradise Bay and the Gerlache Strait. An experienced Antarctic expedition staff will ensure that guests enjoy the best of the numerous available sites for landings and cruising in smaller inflatable boats, based on real-time weather and wildlife reports during their Antarctic adventures. Scientists, naturalists and other lecturers in a number of disciplines will speak on board and accompany guests ashore to add insights to their once-in-a-lifetime experiences.
During the South Atlantic portion of the voyage, guests will enjoy visits to Port Stanley, in the Falkland Islands, and Montevideo, Uruguay's capital, en route to or from Buenos Aires.
A 24-day Holiday version will include two days exploring the sub-Antarctic wildlife Eden of South Georgia Island, renowned for its beauty and its vast, teeming rookeries of king penguins and other seabirds, as well as breeding elephant and fur seals.
Seabourn's new Ultimate Antarctica & Patagonia sailings open for sale on Tuesday September 4, 2012 for sailing beginning in November of 2013.
Notes to Editors:
Seabourn is consistently ranked among the world's top travel choices by professional critics and the discerning readers of prestigious travel publications such as Departures, Travel + Leisure and Conde Nast Traveler.? Its stylish, distinctive cruising vacations are renowned for:
- Six intimate ships with just 104 or 225 suites
- Unique itineraries visiting must-see cities and hidden gems where larger ships cannot follow
- Intuitive, gracious service provided by a staff passionate about pleasing our guests
- Spacious all-suite accommodations with sweeping ocean views ? many with verandas
- Gourmet dining experiences as fine as the best restaurants anywhere
- Open bars throughout the ship and fine wines poured with lunch and dinner?
Seabourn is a proud member of World's Leading Cruise Lines. The exclusive alliance also includes Carnival Cruise Lines, Holland America Line, Princess Cruises, Cunard Line and Costa Cruises. Seabourn is a brand of Carnival Corporation and plc (NYSE/LSE: CCL and NYSE: CUK), and supports the Ocean Conservation & Tourism Alliance, dedicated to education and promotion of best practices for protecting the marine environment.
SOURCE Seabourn
Via: PR Newswire: New Products & Services
Source: http://dev.kidela.com/news/seabourn-adds-seventh-continent-on-ultimate-antarctica-patagonia-voyages/
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