Life After Top Chef
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Watch What Happens: Live
Around the World in 80 Plates
Bravo A List Awards
Chef Roblé & Co.
Inside the Actors Studio
Interior Therapy with Jeff Lewis
It's a Brad, Brad World
The Millionaire Matchmaker
Million Dollar Listing Los Angeles
Million Dollar Listing New York
Most Eligible Dallas
Pregnant In Heels
Rocco's Dinner Party
Shahs of Sunset (Returns December 2, 2012)
Tabatha's Salon Take Over
Tabatha Takes Over
Top Chef Masters
Top Chef Just Desserts
The Fashion Show: Ultimate Collection
The Rachel Zoe Project
The Real Housewives of New Jersey
The Real Housewives of New York City
The Real Housewives of Orange County
Work of Art: The Next Great Artist
America's Next Top Model
Law & Order: Criminal Intent
Newlyweds: The First Year
The Kandi Factory
Courtney Loves Dallas
9 By Design
30 Even Scarier Movie Moments
The Awful Truth
Battle of the Network Reality Stars
Being Bobby Brown
Bethenny Ever After
Bethenny Getting Married
Boy Meets Boy
Celebrity Poker Showdown
Date My Ex: Jo and Slade
Don't Be Tardy for the Wedding
Kathy Griffin: My Life on the D-List
Kell On Earth
Launch My Line
Long Way Round
Make Me a Supermodel
Manhunt: The Search For America's Most Gorgeous Male Model
Page to Screen
Queer Eye for the Straight Girl
Queer Eye for the Straight Guy
Showbiz Moms & Dads
Sports Kids Moms & Dads
Step It Up and Dance
The It Factor
The Jake Effect
The Real Housewives of D.C.
Thintervention with Jackie Warner
Tim Gunn's Guide to Style
Welcome to the Parker
Housewife is a married woman whose main occupation is running or operating the family's home-caring for and educating her children, cooking and storing food, buying goods the family needs in day to day life, cleaning or maintaining parts of the home, making clothes for the family, etc.-and who does not generally maintain employment outside the home. Merriam Webster describes a housewife as a married woman who is in charge of her household. Homemaker is a mainly American gender-neutral term for a housewife or also a stay-at-home dad. SAHM is an abbreviation that refers to a "stay at home mom".
Some contemporary women are leaving the paid workforce and concentrating full-time on child-rearing; particularly through their child(ren)'s early years (before entering kindergarten). There is considerable variability within the stay-at-home mother population with regard to their intent to return to the paid workforce. Some plan to work from their homes, some will do part-time work, some intend to return to part or full-time work when their children have reached school age, some may increase their skill sets by returning to higher education, and others may find it economically feasible to refrain from entering (or re-entering) the paid workforce.
Similarly, there is considerable variation in the stay-at-home mother's attitude towards domestic work not related to caring for children. Some may embrace a traditional role of housewife, cooking and cleaning in addition to caring for children. Others see their primary role as that of child-care providers, supporting their children's physical, intellectual, and emotional development while sharing or outsourcing other aspects of home care.
RIPSINK.COM - FINANCIAL SECTION
--- INFORMATION TO HELP YOU MAKE CRITICAL FINANCIAL DECISIONS ---
WHAT DO YOU KNOW ABOUT GOLD?
Of all the precious metals, gold is the most popular as an investment. Investors generally buy gold as a hedge or harbor against economic, political, or social fiat currency crises (including investment market declines, burgeoning national debt, currency failure, inflation, war and social unrest). The gold market is subject to speculation as are other markets, especially through the use of futures contracts and derivatives. The history of the gold standard, the role of gold reserves in central banking, gold's low correlation with other commodity prices, and its pricing in relation to fiat currencies during the late-2000s financial crisis, suggest that gold behaves more like a currency than a commodity.
Gold has been used throughout history as money and has been a relative standard for currency equivalents specific to economic regions or countries, until recent times. Many European countries implemented gold standards in the latter part of the 19th century until these were temporarily suspended in the financial crises involving World War I. After World War II, the Bretton Woods system pegged the United States dollar to gold at a rate of US$35 per troy ounce. The system existed until the 1971 Nixon Shock, when the US unilaterally suspended the direct convertibility of the United States dollar to gold and made the transition to a fiat currency system. The last currency to be divorced from gold was the Swiss Franc in 2000.
Spot Gold Price
Firstly there is the Spot Gold Price. The spot price of gold refers to the price paid immediately upon delivery of gold on order. The spot price of gold is updated throughout the day around the world.
Gold Futures Price
So the Gold Futures Price is the price to be paid on gold at some future date rather than right now. This is the gold price you often see glibly given in the media as the ‘gold price’. Sometimes they say ‘gold futures’ price but sometimes they omit the word future giving the apparency that this is the actual gold price when it is not.
In pricing gold futures, the futures price is determined using the spot price, the risk free rate and time to maturity of the contract (along with any costs associated with storage or convenience). It also includes the expected change to the price of gold. The Gold futures price, as has been noted frequently by various analysts, is subject to manipulation such as short selling or shorting for example.
Real Gold Price
The real gold price however is what would someone be willing to pay for gold in the open market place? If gold could be bought on the open market (and it can if you know where to go) you can buy all sorts of gold from gold bullion to nuggets, coins to blanks, gold biscuits to gold jewelery. There is invariably a premium to pay but even so the material value people place on gold determines the real price people will pay. Check out the volume and prices of gold in such places as China and Indian and you get a real sense of the value people have in storing their assets in gold.
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WHAT DO YOU KNOW ABOUT THE CHASE FREEDOM CARD?
The Chase Freedom Card might be a better alternative to the Discover Card for some. Since it's a Visa or MasterCard, it's more widely accepted. It also pays higher rewards than Discover.
The Chase Freedom has no annual membership fee. You don’t have to pay any annual fee to enjoy the cash back rewards and other great cardholder benefits of Chase Freedom.
You will receive 10,000 bonus points with this bonus offer, which can be redeemed for a $100 check. To qualify and receive your bonus, you must make purchases totaling $500 or more during the first 3 months from account opening. Purchases do not include using your account for balance transfers or cash advances, or using any checks that access your account. After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. This one-time bonus offer is valid only for first-time cardmembers with new accounts. Previous and existing cardmembers/accounts are not eligible for this bonus offer.
Receive $100 bonus cash back. This is one of the best deals the Chase Freedom card has to offer. You will receive this $100 cash back bonus after spending just $500 in your first three months of having this card. (Which can be spent in the form of purchases, balance transfers or checks.)
You earn 1% on all purchases and 4% more in bonus categories for a total of 5%. 4% bonus earn is subject to a quarterly maximum. You will be eligible for quarterly bonuses as long as (i) your account is not in default under, and/or you have not violated, the terms of your Cardmember Agreement and Rewards Program Rules and Regulations at the time accounts are selected for the promotional offers, and (ii) your statements are sent to a US address. Quarterly enrollment required.
Receive 5% cash back in quarterly rotating categories, up to $1,500 each quarter. 5% cash back is one of the most attractive benefits this card has to offer. This 5% deal averages out to 2% cash back on every category throughout the year, if you take into account a 1% cash back on 3 quarters for the year! You’ll be notified in advance which categories you will be able to benefit from each quarter and can then plan your spending for that year. It can help you save a lot of money if you use it to your advantage. The catch: you must enroll for each quarterly 5% program!
You will earn 1 point for each $1 of net purchases. You will earn an additional 1 point for each $1 of airfare and hotel accommodation net purchases when you book at chase.com/ultimaterewards. You do not earn points on balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that are used to access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including fees for products that protect or insure the balances of your account. There is no maximum number of points that you can accumulate in the program. Bonus/Promotional offers may have a maximum accumulation. A service fee of up to $20 per ticket may be charged for the use of our toll-free number to book or change airline itineraries. Redemptions made online do not have a service fee. See Rewards Program Rules and Regulations which will be mailed after your account is established.
Earn cash back. Chase is offering $100 cash back after new cardholders spend $500 within the first three months of opening an account. After that, all purchases will earn 1 percent cash back, with 5 percent cash back being offered for spending in categories that change each quarter. For example, from July through September, you can earn the 5 percent bonus at gas stations and at restaurants.
Zero-percent promotional financing. New cardholders will also receive a zero-percent promotional APR on both new purchases and balance transfers for 15 months.
Chase’s Blueprint program. Freedom cardholders are eligible to participate in Chase’s Blueprint program, a free option that allows you to choose to pay some purchases in full while carrying a balance on others. No other bank offers this feature, and the Blueprint program also includes powerful budgeting and goal-setting tools.
No annual fee. But there’s a foreign transaction fee of 3 percent on all purchases processed outside of the United States - unlike the Chase Slate card, which has no fee.
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DO YOU KNOW THE THREE C'S OF CREDIT EVALUATION?
This refers to the amount of debt you can realistically pay given your income. Creditors look at how long you’ve been on your job, your income, and the likelihood that it will increase over time. They also look to see that you’re in a stable job or at least a stable industry. So when you fill out a credit application, make your job sound as stable and high-level as you honestly can. Are you a secretary, or are you an “executive assistant” or “office manager”? Present yourself in the best possible light, but don’t mislead or lie. Because employment history and income may not be included in your credit report, creditors may get that information from you, your records, and your employer.
Creditors do use your credit report to examine your existing credit relationships, such as credit cards, bank loans, and mortgages. They want to know your credit limits (you may be denied additional credit if you already have a lot of open credit lines), your current credit balances, how long you’ve had each account, and your payment history-whether you pay late or on time.
Creditors like to see that you have assets they can take if you don’t pay your debt. Owning a home or liquid assets such as a mutual fund may offer considerable comfort to a creditor reviewing an application. This is especially true if your credit report has negative notations in it, such as late payments. A credit report won’t tell a creditor what assets you own. Of course, if your mortgage payments are reported, the creditor will know that you own a home and how much you owe on the mortgage.
Creditors develop a feeling of your financial character through objective factors that show stability. These include the length of your residency, the length of your employment, whether you rent or own your home (you’re more likely to stay put if you own), and whether you have checking and savings accounts. Credit reports will tell creditors how long you have maintained credit accounts and how long you have lived at your current address, and they may have employment information. Some specialty credit reporting agencies include information on whether you have bounced checks.
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WHAT DO YOU KNOW ABOUT PROGRESSIVE'S SNAPSHOT?
Snapshot is a unique insurance program that gives you a personalized rate based on your driving. The better you drive, the more you can save, up to an extra 30 percent off our rate. Test driving Snapshot is an easy way to find out if your good driving would save you any extra money on your Progressive car insurance. It's totally free, and there’s no obligation to buy.
The better you drive, the more you save with Snapshot, our revolutionary usage-based insurance program. Sign up today during your auto quote, and we'll send you everything you need to start saving. The Snapshot device plugs easily into your car's diagnostic port (usually below the steering column) and automatically keeps track of your good driving. Drive like you usually do for 30 days and go online to see your projected savings.
Any Snapshot discount you earn kicks in immediately. So, you can start saving right away! Then, you'll stay plugged in for five more months to set your ongoing renewal discount.
If you’re already a customer, the Progressive Snapshot device can stand to save you money on your existing insurance plan. Progressive clearly states that they won’t raise your rates based on your Snapshot driving report. If you’re signing up with Progressive for the first time, it can reduce the insurance amount that is first quoted to you.
Within 7-10 days of switching to Progressive-or signing up to take a test drive-you'll get a Snapshot device in the mail. Just plug it into your car and drive like you normally do. You can go online to see your latest driving details and projected discount. How often you make hard brakes, how many miles you drive each day and how often you drive between midnight and 4 a.m. can all impact your potential savings.
The reason Progressive tracks what time of day you is simple: if you drive during peak hours for accidents, such as between midnight and 4 a.m., the likelihood you’ll get in an accident is much higher than if you drive during off-peak hours. If the majority of your driving is during less accident-prone hours, you may see a larger discount.
Many insurance companies ask drivers to supply this data, meaning that drivers track their own mileage and report that amount. Because Progressive tracks mileage digitally through the Snapshot device, the chance of an accident can be better predicted. The general idea is that the more miles you drive, the more likely you’ll get into an accident.
A hard brake is when the car’s speed decreases at a rate greater than 7 mph per second. More hard brakes per day may indicate less cautious driving. Progressive will give higher discounts to drivers with fewer hard brakes.
Snapshot is available to car insurance customers in most states, except AK, CA, HI, IL, IN, NC, TN and WA. You can test drive Snapshot in most of the states where Snapshot is available, except AK, CA, HI, IL, IN, MN, NC, NE, NY, OK, TN and WA.
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Ancient Proverb: Enjoy life, catch LIVE fish in a STREAM
RIPSINK.COM™ encourages you to learn all the details of your financial contracts before signing any documents or making any decisions.