- The child who is stopped from putting their hand on a hot stove
- The adult who decides to work because they need money now instead or are not capable of completing college
- The advisor who decides African Americans are not capable mentally be being scientists or engineers
- The person who discounts someone because they are not a member of their particular ethnic group
- The person who prefers play or work or who wants the reward but is unwilling to pay the associated cost
- The person declining to even attempt to learn a little of another language
- The person who believes themselves better than others thus closing the option to learn from people whose ideas may offer more merit or in fact be more sound
- The person who believes because you do not look like me you cannot possibly understand
Monday, November 23, 2009
Bias and Prejudice and other limiting and self limiting behaviors
Saturday, November 21, 2009
Weekly Economic Update for the Week of November 16, 2009
C.W. Copeland & Associates presents
Weekly Economic Update for the Week of November 16, 2009
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Quote of the week."Service is the rent we pay to be living. It is the very purpose of life and not something you do in your spare time."- Marion Wright Edelman
Unemployment weighs on sentiment.American consumer sentiment unexpectedly dipped this month, at least according to the findings of the latest Reuters/University of Michigan survey. The respected index hit 66.0 last week, a three-month low and down from 70.6 for October. With a 10.2% jobless rate in the headlines, it is understandable.1
Gold futures advance, oil futures dip.A weak dollar aided gold prices last week, while the weakness in consumer sentiment hurt oil futures. Gold prices rose nearly 2% last week, settling at $1,116.70 per ounce on the NYMEX. Oil slipped 1.4% last week; prices fell to $76.34 per barrel at Friday's close.2,3
Initial claims lowest since 1/09. New claims for state unemployment benefits dropped to their lowest level in ten months in the week ending November 7, the Labor Department noted Thursday. At the end of October, continued claims dropped to the lowest level since March.4
Trade deficit widens 18.2% in September. Even as U.S. exports gained for the fifth month in a row, imports rose by 5.2% from August levels, including a 20.1% rise in oil shipments. However, economists expect global demand for U.S. exports to keep rising as the dollar is about 12% below where it was last spring against other major world currencies.5
Dow hits 13-month high.With earnings reports from major retailers and media giants topping expectations, a 73-point push sent the DJIA to a close of 10,270.47 Friday, its highest finish since October 2008. The S&P 500 ended the week at 1,093.48 and the NASDAQ wrapped up at 2,167.88 Friday.6
| % Change | Y-T-D | 1-Yr Chg | 5-Yr Avg | 10-Yr Avg |
| DJIA | +17.02 | +16.24 | -0.51 | -0.46 |
| NASDAQ | +37.47 | +35.77 | +0.79 | -3.27 |
| S&P 500 | +21.06 | +19.99 | -1.53 | -2.17 |
| Real Yield | 11/13 | 1 Yr Ago | 5 Yrs Ago | 10 Yrs Ago |
| 10YrTIPS | 1.31% | 2.95% | 1.71% | 4.14% |
(Source: CNNMoney.com, ustreas.gov, bls.gov, 11/13/09)7,8,9
Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends.
Riddle of the week.Only one bachelor has served as President of the United States. Additionally, only one President has entered office having been legally divorced. Who were these two Presidents?
Contact my office or see next week's Update for the answer.
Last week's riddle: Determine the numeral between 1 and 100 which is also nine times the sum of its digits.
Last week's riddle answer:81. 8 + 1 = 9, 9 x 9 = 81.
___________________________________________________________________
Please feel free to forward this article to family, friends or colleagues.
and we will contact them and ask for their permission to be added.
"Your Personal CFO"
404.567.3275 (cell)
www.PhDinMoney.com
Friday, November 20, 2009
Are you an Entrepreneur?
What does it mean to be an Entrepreneur?
Tuesday, November 17, 2009
Happy Founders Day - Omega Psi Phi Fraternity, Inc
Omega Psi Phi Fraternity, Inc
Bruhs - Be OWT!
Sunday, November 15, 2009
Chrome OS (info, thoughts and reviews)
Friday, November 13, 2009
Weekly Economic Update for the Week of November 9, 2009
C.W. Copeland & Associates presents
Weekly Economic Update for the Week of November 9, 2009
_______________________________________________________________________________
Quote of the week."Amusement to an observing mind is study."- Benjamin Disraeli
Jobless rate lags behind recovery.America's unemployment rate reached 10.2% in October, higher than the 9.9% analysts at Briefing.com had forecast. One silver lining to the highest jobless rate in 26 years: net October layoffs were at 190,000 compared to 219,000 in September.1
More help for jobless + homebuyers. President Obama signed H.R. 3548 into law Friday, extending unemployment benefits an extra 14-20 weeks for roughly 2 million Americans. Additionally, the first-time homebuyer credit of up to $8,000 will be available through next June as long as a buyer signs a binding contract by the end of April. Move-up buyers may be eligible for a $6,500 variation of this credit.2
Could a wave of hiring start soon? Maybe. New Labor Department figures show that employee productivity increased by a whopping 9.5% in 3Q 2009. Also, labor costs fell by 5.2% in 3Q 2009, resulting in the largest four-quarter drop since 1948.3
Service sector growth continues.The Institute for Supply Management's September service sector index topped 50 again - 50.6, a bit down from 50.9 in August but still showing expansion. The real attention-getter: a 1.4% jump north in new orders and a 2.0% increase in the backlog of new orders.4
Gold tops $1,100.Gold futures did that twice last week, finally settling at $1,095.70 on the NYMEX Friday; prices rose 5% last week. Oil prices gained $0.43 last week to close at $77.43 a barrel Friday.5,6
Stocks make big gains.The Federal Reserve left interest rates alone, and the good news from the ISM, the Labor Department and various earnings reports outweighed the jobless data. The Dow and S&P 500 both rose 3.20% last week; the Dow closed Friday at 10,023.42. The NASDAQ climbed 3.29% last week.7
% Change | Y-T-D | 1-Yr Chg | 5-Yr Avg | 10-Yr Avg |
DJIA | +14.21 | +15.28 | -0.70 | -0.64 |
NASDAQ | +33.95 | +31.31 | +0.72 | -3.19 |
S&P 500 | +18.38 | +18.17 | -1.66 | -2.20 |
Real Yield | 11/6 | 1 Yr Ago | 5 Yrs Ago | 10 Yrs Ago |
10YrTIPS | 1.37% | 2.81% | 1.71% | 4.14% |
(Source: CNNMoney.com, ustreas.gov, bls.gov, 11/6/09)8,9,10
Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends.
Riddle of the week.Determine the numeral between 1 and 100 which is also nine times the sum of its digits.
Contact my office or see next week's Update for the answer.
Last week's riddle: What is the only planet within our solar system that rotates clockwise?
Last week's riddle answer:Venus.
"Your Personal CFO"
404.567.3275 (cell)
www.PhDinMoney.com
Sunday, November 8, 2009
Blackberry 8530 to replace 8300 (Sprint and Verizon)
Brand / Type ![]() | |
| Brand | BlackBerry |
| Type | Curve 8530 |
| Form factor | Candybar |
| Color | Black, Violet |
Network ![]() | |
| Phone Network | 3G, EVDO |
| Service | N/A |
Connectivity ![]() | |
| Bluetooth | v2.1 with A2DP |
| Infrared | N/A |
| Wi-Fi (WLAN) | Yes |
| USB | No |
| Fax / Data | N/A |
Display ![]() | |
| Main display | Color AM OLED |
| Color display | N/A |
| Dimensions | N/A |
| Resolution | N/A |
| External display | N/A |
Memory ![]() | |
| Internal memory | 256MB |
| External memory | 32GB |
| Memory slots | Yes |
| Storage types | MicroSD, MicroSDHC |
Basic ![]() | |
| Battery | N/A |
| Standby time | N/A |
| Talk time | N/A |
Calling ![]() | |
| Vibrate alert | N/A |
| Photo ID | N/A |
| Ringtones | No |
Camera ![]() | |
| Camera | Yes |
| Megapixels | 2.0 megapixels |
| Maximum photo resolution | No |
| Digital zoom | Yesx |
| Optical zoom | No |
| Auto focus | N/A |
| Flash | N/A |
| Recording video | Yes |
| Second (front) camera | N/A |
Messaging ![]() | |
| SMS | Yes |
| MMS | Yes |
| T9 text function | Yes |
| Yes | |
| Internet browsing | Yes |
Entertainment ![]() | |
| FM radio | N/A |
| Java | N/A |
| Audio player | MP3 |
| Video player | No |
Features ![]() | |
| Add ringtones | N/A |
| Organiser | Organiser |
| Video call | N/A |
| Other features | Full QWERTY keyboard, Touch-sensitive trackpad, GPS, Games, 3.5 mm stereo headset jack, Social networking |
Weekly Economic Update Compliments of C.W. Copeland
C.W. Copeland & Associates presents
Weekly Economic Update for the Week of November 2, 2009
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Quote of the week."We do not quit playing because we grow old, we grow old because we quit playing."- Oliver Wendell Holmes
3Q GDP: +3.5%.The longest economic contraction in America since 1947 ended in the third quarter as federal credits and stimuli encouraged robust growth. (Automobile output represented 1.6% of that growth, according to the Commerce Department.) This was the best quarterly GDP since 3Q 2007.1
Consumer spending dips 0.6%. September's slip appears partly a result of the end of the C.A.R.S. program. "Real" disposable income (after-tax income) fell 0.1% in September. However, durable goods orders rose 1.0% in that month.2,3
Slight rise in consumer sentiment.Last week, the Reuters/University of Michigan index improved from 69.4 to 70.6 for October. Yet that still meant a drop from the 73.5 reading for September.4
New home sales down 3.6%.Why the drop? Here's a hint: most sales contracts signed in September will likely close after the end of November (and the expiration of the federal $8,000 first-time buyer credit). A Congressional vote to extend that credit could occur early this week.5,6
Strong month for some hard assets.Despite losses last week, gold prices rose 3.14% in October - an ounce went for $1,039.70 at Friday's NYMEX close. Copper gained 4.93% last month (it hasn't had a down month in 2009). Oil prices ended October at precisely $77.00 a barrel - up 9.05% for the month.7
Week ends with profit-taking.Concerns over personal spending, commercial real estate and a spike in the dollar index weighed heavily on stocks at October's end. While the S&P 500 and NASDAQ had their toughest months since February, the DJIA managed a flat month (+0.005%, to be precise).8
% Change | Y-T-D | 1-Yr Chg | 5-Yr Avg | 10-Yr Avg |
DJIA | +10.67 | +5.80 | -0.63 | -0.95 |
NASDAQ | +29.68 | +20.41 | +0.71 | -3.11 |
S&P 500 | +14.72 | +8.61 | -1.66 | -2.40 |
Real Yield | 10/30 | 1 Yr Ago | 5 Yrs Ago | 10 Yrs Ago |
10YrTIPS | 1.41% | 3.06% | 1.63% | 4.14% |
(Source: CNNMoney.com, ustreas.gov, bls.gov, 10/30/09)9,10,11
Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends.
Riddle of the week.What is the only planet within our solar system that rotates clockwise?
Contact my office or see next week's Update for the answer.
Last week's riddle: The names of two U.S. state capital cities rhyme but share no vowels. Name the two cities.
Last week's riddle answer:Austin and Boston.
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Please feel free to forward this article to family, friends or colleagues.
If you would like us to add them to our list, please reply with their address
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