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Source: http://video.msnbc.msn.com/cnbc/50240737/
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Wednesday, December 19, 2012
Connecticut Schools on Lockdown Due to 'Suspicious Person'
In the aftermath of Friday's Newtown school shooting, we've heard tales mostly horrifying and occasionally heroic, from surviving witnesses and mourning citizens alike, but this one lies somewhere in between, all the more unshakeable. One six-year-old Sandy Hook student played dead in her first-grade classroom, her family pastor said late Sunday, with the kind of quick thinking that ended up saving her life but now leaves her with the unshakeable memories of watching all her classmates being shot and killed. ...
Source: http://news.yahoo.com/connecticut-schools-lockdown-due-suspicious-person-152009415.html
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Tuesday, December 18, 2012
In churches and stadiums, Americans mourn shooting victims
Jessica Rinaldi / Reuters
New England Patriots quarterback Tom Brady wears a decal on his helmet Sunday, Dec. 16, 2012, in tribute to the victims at Sandy Hook Elementary School in Newtown, Conn.
By M. Alex Johnson, NBC News
Updated at 8:26 p.m. ET: Americans came together in the thousands Sunday to honor the memories of the 26 victims of the shootings at a Connecticut High School.
This Sunday was Gaudete Sunday, the Advent observance of joy and celebration, but in churches and cathedrals across the country, the message was one of reassurance and comfort for the distressed and the afflicted.
Hundreds of people signed a book of condolences and prayed special prayers Sunday morning at Our Lady of the Cross Parish in Holyoke, Mass.
"I lost a little child once, just a matter of days old, and that's still with me although it's 50 years later," Paula Brunault of Holyoke told NBC station WWLP of Springfield, Mass.
"I just know that prayers surround the people, really and truly. It's the best thing we can do for them," she said.
The Rev. Scott Kubinski, pastor of Christ the Redeemer Parish in the Elmira, N.Y., area, denied that the shootings were the will of God. Instead, he told parishioners at St. Casimir's Catholic Church, it was the fruit of the free will that God allows people to have, NBC station WETM of Elmira reported.
Full coverage: Tragedy at Sandy Hook Elementary
"God isn't happy about it, but God is with us through it all, giving us strength," he said. "That's why people do turn to faith in times of sadness and why they turn to prayer."
Lanza was student at school where he killed 26, shot mom multiple times
More than 150 chaplains of the Law Enforcement Chaplaincy of Sacramento, Calif., dressed in full police uniform Sunday and visited churches, restaurants and shopping malls to offer hope.
A twin, talented teachers, a jazzman's daughter: Portraits of the victims
At Bayside Church, an Evangelical Covenant megachurch in Roseville, Calif., Senior Chaplain Mindi Russell told thousands of families who packed inside to pray for the victims and families of Friday's massacre.
Russell said it was understandable that children were asking why the shooting happened and why so many people were killed.?
As families hugged one another and prayed for the violence to end, Russell reassured the congregation that while there are bad people in the world, there are many more good people, NBC station KCRA of Sacramento reported.
NFL teams also honored the shooting victims, lowering flags to half-staff ?and observing a moment of silence before all of Sunday's games. Some teams brought young children onto the field, and players ? many of them visibly moved ? stood hand in hand with them.
The New England Patriots ? whose owner, Robert Kraft, also owns a box company that has a factory less than a mile from Sandy Hook Elementary School ? were wearing black-ribbon logos on their helmets for Sunday night's game against the San Francisco 49ers.?
The Patriots also planned to fire 26 white flares ? one for each of the victims ? at Gillette Stadium in Foxborough, Mass.
The New York Giants wore decals bearing the letters SHES ? standing for Sandy Hook Elementary School ? on their helmets Sunday for their game in Atlanta against the Falcons. Coach Tom Coughlin told NFL.com that his team had been "very, very much affected" by the shootings.
The New York Jets were to wear the same decal Monday night for their game against the Tennessee Titans.
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(Vegan) Holiday Eggnog Smoothie ? Low Fat Vegan Chef Recipes
When I was a kid I used to love eggnog. I have no idea why, but I would go crazy for it at Christmas and couldn?t help myself. Now I can?t even imagine drinking that stuff because it?s just so thick and rich and obviously not vegan. ?Last year I tried some vegan eggnog from the health food store, but it was also very thick and rich. My tastes have definitely changed and it just wasn?t my thing!
So this year I decided to make a healthier version, using ripe bananas. If your bananas are really ripe and spotted it will make the perfect drink. Please do not use green/yellow bananas as they are too starchy and not sweet enough or ripe enough to be used in smoothies. The bananas I used for this recipe looked like the one on the right, lots of dark brown speckles.
First I peeled and froze some bananas the night before, and then I left a few ripe ones on the counter to use in smoothies as well.
I find frozen bananas are excellent for adding an ice-creamy like texture to blended drinks, so I highly recommend trying it! They make this eggnog smoothie so delicious I?ve been making them all weekend! It takes a boring old banana smoothie to the next level!
To make this creamy you?ll need some non dairy milk as well too. I used almond milk. To make this a completely raw recipe, you can make your own raw almond milk from my recipe here.
Either way I think you will have a new favorite holiday breakfast or snack recipe! Feel free to impress your family or guests with this one too!
Serves 1-2
Ingredients:
1 cup almond milk, or other non dairy milk (unsweetened)
1/8 tsp vanilla extract (optional)
2 ripe bananas, frozen (and broken into pieces if using a regular blender
1 fresh ripe banana
1/4-1/2 tsp ceylon cinnamon (true cinnamon)
dash or two of ?ground nutmeg
dash or two of ground cloves
Directions:
- Place ingredients into blender or Vitamix and combine until smooth and creamy. If using a regular blender you may want to let the bananas defrost for a few minutes before blending to make it easier on the blender. Cutting them into smaller pieces helps too.
- Garnish with additional cinnamon or nutmeg if desired.
- Serve immediately
Additional Tips:
If you don?t have plain cloves or nutmeg you can use a little pumpkin pie spice instead.
What?s your favorite holiday beverage??
Source: http://lowfatveganchef.com/vegan-holiday-eggnog-smoothie/
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Monday, December 17, 2012
Rihanna Reigns Supreme As MTV News' Rock Star Of The Year
In a year where many shrank from the spotlight, Rihanna defiantly embraced her rock-star side.
By James Montgomery
Rihanna on her 777 Tour
Photo: Getty Images
Source: http://www.mtv.com/news/articles/1698977/rihanna-rock-star-of-the-year.jhtml
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Connecticut church near shooting site evacuated after bomb threat
Eighteen-year-old Jared DeWeese is severely disabled. He cannot walk, talk, read or write. Nevertheless, WSB-TV reports, he is receiving straight A?s in several courses, including algebra, biology and world history at a school in Gwinnett County, Georgia.
Source: http://news.yahoo.com/connecticut-church-near-shooting-evacuated-bomb-threat-180742511.html
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How To Reduce 401K Fees Through Portfolio Analysis | Financial ...
Do you know how much in mutual fund fees you are paying a year? I didn?t, so I ran my 401K portfolio through Personal Capital?s 401k fee analyzer and I?m absolutely shocked by the results! I always figured that from a percentage point of view, my mutual fund fees were small. But, when you take a small percentage multiplied by a big enough number, the absolute dollar amount starts adding up!
As you can see in the picture above, I?ve got four main mutual funds in my 401K account after jumping back into the market post election. I?ve got another fund worth about $22,000 as part of my 401K which does not show a fee, probably because it is a hedge fund whose fees are baked into the performance. Typical hedge fund fees are 2% of assets under management and 20% of upside. This is called 2 and 20, which is egregiously high, but it?s the only way I can get short exposure to hedge my bets.
I?ve been wanting to do a 401K/mutual fund fee analysis for the longest time, but was too lazy to do the analysis until I realized I didn?t have to do the calculations myself. As the new year arrives, I want my portfolio to be as optimized as possible.
ANALYZING YOUR 401K FOR EXCESSIVE FEES
* Huge spread in expense ratios. The cheapest expense ratio is 0.19% for the Vanguard IT Index Fund and a whopping 0.74% for the Fidelity Blue Chip Growth Fund. 0.74% is almost 4X greater than 0.19%, supposedly because they?ve got to pay the fund manager and analysts for providing alpha and outperforming the S&P 500 index. If the fund manager(s) can indeed outperform the S&P 500 index by more than 0.5% a year, then their fee is on par with my cheapest Vanguard Index Fund. If not, I?m wasting my money.
* Fees add up over time. In 20 years, I will have paid ~$87,000 in mutual fund fees if I keep my existing portfolio. I don?t know about you, but that seems a lot, even if my 401k does grow to $1,500,000 as my 401K savings guide estimates. Just doing the math here, 67% or $58,290 of the $87,000 in fees will come from my Fidelity Growth Fund alone. Meanwhile, the Fidelity growth fund only accounts for 39.5% of total assets. Long term growth has a way of compounding into great returns for consistent investors and savers, however it sure does a number on the total amount of fees as well.
* Understanding tax cost ratio.?The Tax Cost Ratio measures how much a fund?s annualized return is reduced by the taxes investors pay on distributions. The range is usually between 0%-5%, the lower the better.?For example, if a fund had a 1.5% tax cost ratio for the three-year time period, it means that on average each year, investors in that fund lost 1.5% of their assets to taxes e.g. a 10% return is really only a 8.5% return. It?s good to see my highest fund with a 0.74% expense ratio have only a 0.11% tax cost ratio! One can simply combine the two to figure out their total expenses. The Fidelity Growth Fund is therefore 0.85% vs. 1.94% for the Vanguard Precious Metals fund! The Vanguard IT Fund is the lowest 0.31%.
* Big fan of index funds. The Vanguard family of funds have some of the lowest, if not the lowest fees in the mutual fund industry. The reason is because of their scale and also because they run passive index funds. There?s no team of analysts to pay. There are no business trips to expense to go kick the tires of the company?s they hold. The index is rebalanced usually once a quarter, or whenever there is a big index addition or subtraction to reduce variance risk. Three out of four of my funds are by Vanguard. After I finish typing this post, all of my funds will be by Vanguard!
* You can create a portfolio of index speciality funds. About 60% of my entire 401K allocation is invested in three speciality index funds: Energy, Metals & Mining, and Technology. If I wanted, I could create a portfolio of 20 speciality index funds if I wanted to. In other words, you don?t have to buy one fund that asset allocates across the industrial board. If you have conviction in particular industries which you think will outperform, there is an index fund for you. We can discuss investment decisions in a future post.
401K PRO FORMA ANALYSIS OF LOST RETIREMENT OVER TIME
This is the chart that really kind of makes me sick. Let?s say I continue to max out my 401K like I have been doing for the past 13 years, get a full employer match (I was getting more due to profit sharing), and assume an annualized return of 5.8%. After 30 years, I will have paid $489,014 in fees and lost out on 2 years worth of retirement income!
The funny thing is, my blended expense ratio is 0.43% compared to Personal Capital?s target benchmark of 0.5%! The public is paying a tremendous amount of mutual fund fees over our lifetimes, and we don?t really know it until we do the analysis. To put it differently, if you want to make big bucks in your life, you should consider a career in money management. It?s all about leverage. A fund manager can run $1 billion dollars under management as easily as he can run $10 billion dollars under management.
CONCLUSION
It?s important to not only look at the expense ratio, but also the tax cost ratio to see how much your performance is getting reduced by each year. Look to invest in lower cost index funds instead of actively managed funds who have shown a poor track record of performance. There are plenty of studies showing that the large majority of actively managed funds underperform their benchmarks.
Personal Capital helped me realize that I am paying at least $1,000 more a year in mutual fund fees than I should by investing in the Fidelity growth fund. I wouldn?t have been able to see what an outlier the fee is without the 401K fee analyzer that aggregates all the data and provides a side by side comparison. Not bad for a free online financial management huh??I suggest everybody take a hard look at their finances to see where they are paying unnecessary fees.
Readers, when was the last time you checked your 401K fees? How have you found Personal Capital?s tools so far?
Step by step: If you want to figure out how much in fees you are paying in your 401K for free, sign up with Personal Capital, click the ?+? button on the top left to add/link an account. For my Fidelity hosted 401K, I typed in the search box ?401k.com? since the Fidelity pre-populated button just linked to my Fidelity rollover IRA. After your 401K account is linked, click the ?Investing? tab on the top right, then choose ?Investment Checkup? and then select the ?Cost? link.
To bring up the second chart in the post, click the ?401K Fee Analyzer? link under the Investment tab and play around with the assumptions. It?s best to use three assumptions: conservative, base case, and blue sky to have a feeling of where your 401K will be when you want to retire. I have a feeling you are going to be as surprised as I was about how much you are paying in fees. After writing this post, I?m exchanging my Fidelity Fund into a Vanguard Large Cap fund.
Regards,
Sam
Source: http://www.financialsamurai.com/2012/12/16/how-to-reduc-401k-fees-through-portfolio-analysis/
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