4 Money Tips for Graduating from College..

4 Money Tips.....

It’s March... And you know what that means? Graduation! As a college senior, you may be excited to finally get your diploma and move on to the real world.

More from: http://www.gmanetwork.com/news/story/454801/economy/moneyandbanking/6-money-tips-for-fresh-grads?ref=related_stories

It’s March... And you know what that means? Graduation! As a college senior, you may be excited to finally get your diploma and move on to the real world.

More from: http://www.gmanetwork.com/news/story/454801/economy/moneyandbanking/6-money-tips-for-fresh-grads?ref=related_stories

 From The Desktop of:   Jason R Chinn

 On the Date of:             26 March 2015

Once again It’s March... And you know what that means? Graduation! As a college senior, you may be excited to finally get your diploma and move on to the real world.

This year I’m graduating, and thus have not just one year to mull over, replay, and regret, but an entire college career. Looking back, I always think of the things I should have changed, the internships I should have applied for, the nights I should have stayed in. I like to tell myself that if I could do it all again, I’d do it perfectly.

TIP 1.

Being broke is as depressing thought as it is a reality check. College fees, travelling expenses & nights out can all contribute to a zero bank balance.

money don't grow on trees, like you thought when you were younger. Reality strikes and your left wondering, 'what should I do now'?

Here's the first thing everybody should do from day one when you'r old enough to have a bank account, or as soon as possible after the age of your first bank account.  SAVE AT LEAST 10 PERCENT OF ALL MONEY THAT’s COMING IN.

Do this from day one and you'll be on the first step of the finance ladder when it comes to Graduation Time.

TIP 2.

Stay in throughout the week while your away at college, even if your friends go out. Think of what you could save by not going with them. If you enjoy nights out and you feel you need to, then just go out at weekends. You will be surprised that you can save hundreds of pounds in just a couple of weeks.

Sit down with a pen and paper and jot down the cost of a night out in the week, then multiply it by 5 for every week day and you'll soon change your mind about nights out throughout the week. "Or will you".

I all depends on what type of person you are and if you have the will to say no!

The benefits of staying in throughout the week!

TIP 3.

Take time and sit down and write down on paper, your plans for the fourth-coming year ahead. Make sure you prepare this for at least a year ahead. Like a business plan in a way, an a cash flow forcast for the year ahead. if you find it hard get some help in starting off, or look on the internet. there's a wealth of informaition online about any and every topic you can think of, and more...

Graduation Day is almost here already!

"I’ve definitely wasted many hours over the last four years, 

and perhaps sometimes my priorities were out of line. When I 

reflect back on my college experience, I am initially struck by regret, 

and a tiny bit of self-loathing. I beat myself up over the things 

that I would have, could have, should have done. I step back 

and evaluate who I am today, and I’m overall pretty bummed 

to realize that I am most definitely not the 22-year-old that I’d 

always imaged I would be, and my undergraduate experience was 

nowhere close to how it looks in the movies "

TIP 4.

Don't end up regreting the past years that you have wasted in college. keep your chinn up and your head down and before you know it you've graduated from university or college and you have landed the job that set out get, hence the years you just spent in college.

" Once I can shake my disappointment with myself, I can see 

that maybe all the time I’ve wasted and all the mistakes 

I’ve made didn’t actually screw me over in the end. 

Maybe I don’t have it all together, I don’t know what 

I want from life, or what I want to do, or even where 

I’ll be a year from now. But even when my schoolwork 

or ultimate life goals weren’t first on my to-do list, the time 

I spent doing extra-curricular student groups, walking 

by the ocean, or having coffee and a long talk with a 

friend (even though I should have been studying) was 

beneficial to my personal growth and development.

So no, I’m definitely not the person I set out to be, 

but my time in college has taught me so much 

more than academic drive and motivation. 

I’ve become more comfortable in almost every 

social situation, and more importantly, more 

comfortable with myself. "

 Keep calm and graduate from college

 

Congratulations on graduating

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Auction-based electronic London silver fix to debut in August

Auction-based electronic London silver fix to debut in August


CME Group and Thomson Reuters have been chosen to deliver a new silver price mechanism to replace the London Silver Fix — a system that has been in place for over a century to set the daily benchmark price for silver.

   Starting in mid-August, a new electronic, auction-based system devised by the two companies will do the job instead, the London Bullion Market Association said in a July 11 release.
CME Group will provide the price platform and methodology while Thomson Reuters will take care of administration and governance.
The LBMA made the decision based on a market consensus — it conducted surveys and numerous meetings with market participants, solution providers and regulators — and backed by a review by independent consultants G Cubed Metals.

In a press release, the LBMA said respondents to one of its market surveys clearly preferred the joint CME Group-Thomson Reuters proposal over the others.
The LBMA included several criteria in its request for proposals to set up and operate a new, more transparent system. In addition to being electronic and auction-based, the system has to be auditable, tradeable, and allow for more direct participants.
The joint proposal by CME Group and Thomson Reuters won out over those of several other organizations, including the London Metal Exchange and Bloomberg.

The London Silver Fix was established in 1897 and historically, has been determined by a small number of banks in an auction-like process. The banks participate in a conference call and invite clients to submit buy and sell orders. The price is then adjusted higher or lower until demand and supply are matched.
Most recently, Deutsche Bank, HSBC and the Bank of Nova Scotia have been responsible for setting the London Silver Fix.
However, in April, Deutsche Bank announced it would be withdrawing from the group as part of a larger exit from the commodities space. The group was unable to find a replacement.
The revamp comes at a time when regulators are investigating whether other benchmarks — the London Gold Fix and Libor (the London Interbank Offered Rate) — have been subject to manipulation by banks.

Barclays was fined US$44 million in May by the Financial Conduct Authority after one its traders manipulated the price to its benefit at the expense of one its clients. It was also fined in the Libor rigging scandal.
Reform is also planned for the London Gold Fix, which is currently set by Barclays, HSBC, Bank of Nova Scotia and Societe Generale. The new silver price benchmarking system could act as a model for that reform. The World Gold Council is heading up a review of the London Gold Fix.

It recently hosted a forum to examine reforms, which including representatives of central banks, bullion banks, refiners, ETFs, exchanges and industry bodies.
In a press release, Natalie Dempster, the World Gold Council’s managing director, central banks and public policy, said the organization was at the start of the process of modernizing the gold benchmark. She also said there was strong support for the World Gold Council’s key principles for reform.

“We believe it should be based on executed trades and a tradeable price, it should have highly transparent input data, should be calculated from a deep and liquid market, and represent a physically deliverable price,” Dempster said.
The new silver benchmarking system will be tested in early August before going live on Aug. 15
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LinkedIn Corporation LNKD: NYSE; Technology/IT Services & Consulting

LinkedIn Corporation

LNKD: NYSE; Technology/IT Services & Consulting

PRIMARY EXCHANGE: NYSE   OTHER EXCHANGES: Mexico, SIX Swiss Exchange, More »

 

LAST	CHANGE	VOLUME
At close 03/12/2015	$266.42	+1.47 +0.55%	944.1K
AFTER HOURS 5:27 PM ET	$266.42	0.00 0.00%

 

News about LinkedIn Corporation, including commentary and archival articles published in The New York Times.

Company Information

LinkedIn Corporation (LinkedIn), is a professional network on the Internet with approximately 277 million members in over 200 countries and territories. Its Free Solutions includes ability to manage professional identity, ability to build and engage with professional networks, access to knowledge, insights and opportunities and ubiquitous access. 

 

 

 

 

The Company generates revenue across three product lines: Talent Solutions, Marketing Solutions, and Premium Subscriptions. All three product lines are sold through two channels, an offline field sales organization, which engages with both large and small enterprise customers, as well as an online, self-serve channel where it generates revenue from both enterprise customers and individual members purchasing subscriptions. On February 28, 2014, it acquired the entire share capital of Bright Media Corporation (Bright). In July 2014, it acquired Newsle Inc. In August 2014, LinkedIn Corp. acquired Bizo, Inc.

 

LinkedIn Corporation
2029 Stierlin Ct MOUNTAIN VIEW CA 94043-4655
Phone: +1 (650) 687-3600
Fax: +1 (302) 636-5454

Price Chart

1 day | 5 day | 3 month | 1 year | 5 year

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View historical chart »

Stock Snapshot

Today's open	$265.70
Wednesday's close	$264.95
52-week range
52-week high	$276.18
52-week low	$136.02
Market capitalization	33.4B
Avg. volume (10-day)	1.1M
Shares outstanding	125.1M
LNKD does not pay dividends

Key Fundamentals

P/E ratio	n.a.
Earnings per share	–$0.13
Revenue	$2.2B
Profit margin	–0.69%
Return on equity	–0.53%

Fundamentals are for the trailing 12 months

View financials »

Quarterly Earnings

Analyst Ratings

Buy	13
Outperform	17
Hold	11
Underperform	0
Sell	0
Consensus		Outperform

(As of 03/07/2015)

Executive Officers

Executive	Title
Reid G. Hoffman	Chmn. since 2003
Jeffrey Weiner	CEO since 2009
Steven J. Sordello	CFO since 2007
Michael Gamson	Sr.VP
J. Kevin Scott	Sr.VP since 2012

Latest Insider Trades

03/02/2015

SZE DAVID

Open market or private sale of non-derivative or derivative security

Shares sold:	300
Share price:	$266.30
Trans. value:	$79,890

03/02/2015

SZE DAVID

Open market or private sale of non-derivative or derivative security

Shares sold:	513
Share price:	$267.46
Trans. value:	$137,207

03/02/2015

SZE DAVID

Open market or private sale of non-derivative or derivative security

Shares sold:	587
Share price:	$268.37
Trans. value:	$157,533

Company Events

• On February 5, 2015, LNKD announced quarterly earnings of $0.61 per share for 2014Q4, beating the consensus estimate of $0.53.

Filings

10-K

Annual Financials

February 12, 2015

10-Q

Quarterly Financials

October 30, 2014

10-Q

Quarterly Financials

July 31, 2014

Ownership Submissions

FORM 4 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL OMB Number: 3235-0287 Expires: January 31, 2005 Estimated average burden hours per response... 0.5

(Print or Type Responses)

1. Name and Address of Reporting Person * Gamson Michael   2. Issuer Name and Ticker or Trading Symbol LINKEDIN CORP [LNKD] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director _____ 10% Owner __X__ Officer (give title below) _____ Other (specify below) SVP, Global Solutions (Last) (First) (Middle) C/O LINKEDIN CORPORATION, 2029 STIERLIN COURT 3. Date of Earliest Transaction (Month/Day/Year) 02/27/2015 (Street) MOUNTAIN VIEW, CA 94043 4. If Amendment, Date Original Filed (Month/Day/Year) 6. Individual or Joint/Group Filing (Check Applicable Line) _X_ Form filed by One Reporting Person ___ Form filed by More than One Reporting Person (City) (State) (Zip) Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned

1.Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4) Code V Amount (A) or (D) Price Class A Common Stock 02/27/2015   A   17,521(1) A $ 0 51,061 D

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
	Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number.		SEC 1474 (9-02)

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned

(e.g., puts, calls, warrants, options, convertible securities)

1. Title of Derivative Security (Instr. 3)

2. Conversion or Exercise Price of Derivative Security

3. Transaction Date (Month/Day/Year)

3A. Deemed Execution Date, if any (Month/Day/Year)

4. Transaction Code (Instr. 8)

5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4, and 5)

6. Date Exercisable and Expiration Date (Month/Day/Year)

7. Title and Amount of Underlying Securities (Instr. 3 and 4)

8. Price of Derivative Security (Instr. 5)

9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)

10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4)

11. Nature of Indirect Beneficial Ownership (Instr. 4)

Code

V

(A)

(D)

Date Exercisable

Expiration Date

Title

Amount or Number of Shares

Employee Stock Option (Right to Buy)

$267.2

02/27/2015

A

15,018

(2)

03/01/2025

Class A Common Stock

15,018

$ 0

15,018

D

Reporting Owners

Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
Gamson Michael C/O LINKEDIN CORPORATION 2029 STIERLIN COURT MOUNTAIN VIEW, CA 94043			SVP, Global Solutions

Signatures

/s/ Lora D. Blum, as Attorney-In-Fact		03/03/2015
**Signature of Reporting Person		Date

Explanation of Responses:

*	If the form is filed by more than one reporting person, see Instruction 4(b)(v).
**	Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1)	The reported shares are represented by restricted stock units ("RSUs"). The RSUs vest six and one-quarter percent (6.25%) on May 15, 2015, and six and one-quarter percent (6.25%) of the RSUs will vest on each subsequent Company Vest Date until all of the grant is vested. "Company Vest Dates" are defined as February 15, May 15, August 15 and November 15 of each year (to the extent that any of the Company Vest Dates fall on a weekend or Company holiday, that Company Vest Date will be the first business day following the relevant Company Vest Date).
(2)	Shares subject to the option vest in 48 equal monthly installments beginning on March 1, 2015.

Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.Potential persons who are to respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB number.

Plenty of Room for Improvement: IBM’s New Two-Page Cloud-Services Contract - Adams on Contract Drafting

IBM’s New Two-Page Cloud-Services Contract

Assuming that you get rid of the dead wood, make appropriate trade-offs, and don’t lose anything vital, shorter is good. Apparently the response has been positive. Indeed, the new contract resulted in IBM’s being named a finalist in IACCM’s Innovation Awards, in the operational improvement category.

The article quotes the head of the IBM team as saying that the new contract uses “concise, plain language.” Doubtless it’s more concise and plainer than what came before, but there’s plenty of room for improvement. How much room? [Updated December 29, 2014: At the request of @tieguy, I created PDFs that includes all the comments. Go here for a PDF with the comments on separate pages; go here for a PDF with connector lines between the comments and the related text, but with smaller text as a result.] Go here to see my annotated PDF. Thanks to dozens of comments, it’s awash with fluorescence. (To read my comments, you’ll have to download the PDF and open it with whatever PDF-reading software you prefer. In the comments, “MSCD” refers to the third edition of A Manual of Style for Contract Drafting.)


My comments address a full range of issues, many of them minor, some less so. The minor stuff is fair game, for two reasons. First, the IBM team built something new, so expediency didn’t come into it—nothing prevented them from using only the clearest language. And second, get enough minor stuff wrong in a contract and you waste the reader’s time and attention.
One general comment that isn’t reflected in my annotations: The IBM contract refers to IBM as “IBM” (mostly) and the customer as “you.” It also uses will (mostly) to express obligations, rather than shall. Those are legitimate choices, but they’re ones that I’d be reluctant to make. Dispensing with shall allows drafters to congratulate themselves on their modernity, but it comes at a price—it muddies the categories of contract language. (That’s something I describe in this article.) And sure enough, the categories of contract language are handled haphazardly in the IBM contract. (If you use shall, you pretty much have to refer to the parties using the third person.)
What conclusion do I suggest you draw from my markup? That contract language is specialized—it’s best left to specialists. Knowing your company’s transactions doesn’t make you a specialist. And many years of being steeped in traditional contract language doesn’t make you a specialist. You become a specialist only by making a concerted and disciplined attempt to familiarize yourself with the building blocks of contract language, the good and the not-so-good.

IBM’s Cloud-Services Contract

If you’re not a specialist, you’re a dilettante. Those responsible for IBM’s new cloud services contract are presumably knowledgeable, enthusiastic, and hard-working, but when it comes to contract language, the shortcomings in the new contract suggest that they’re dilettantes. That’s to be expected. In fact, the contracts ecosystem would work better if contract language were left in the hands of a limited number of “legal knowledge engineers” (to use Susskind’s clunky but apt phrase) working closely with those who have a broader understanding of the business and legal issues. [Updated December 21, 2014: Elaborating on a point he makes in this post on his blog, in an email to me Tim Cummings suggested that nothing mandates using “legal” in the phrase “legal knowledge engineer.” I agree: that’s something I discuss in this 2011 post.]

Some of you might be wondering why the heck I go through this sort of exercise. I do it because only through constant public scrutiny do we stand a chance of improving general standards for contract language. Anything that offers itself as an advance in contract drafting is an obvious candidate for this sort of scrutiny. And besides, I enjoy picking over contract language.
I’m not trying to pillory anyone. I sent the appropriate person at IBM two polite LinkedIn messages mentioning that I had reviewed their contract and asking whether they would be interested in chatting with me about my comments. I didn’t receive a reply, so the obvious next option was to post my analysis on this blog.

By the way, please consider my markup a think piece and a work in progress. I devoted a couple of hours to it, and if I were to look at it again in a few weeks, I’d doubtless make changes. And I didn’t think about broader deal issues.

Deals of the day- Mergers and acquisitions

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Jan 20 (Reuters) - The following bids, mergers, acquisitions and disposals were reported by 2200 GMT on Monday:

 

** Anheuser-Busch InBev SA, the world's largest brewer, has agreed to buy South Korea's Oriental Brewery Co Ltd for $5.8 billion including debt, regaining ownership of a key Asian asset at a time of strong industry growth across the region.

** Oil major Royal Dutch Shell Plc said it had agreed to sell stakes in a gas project in Western Australia for $1.14 billion as part of a drive to improve return on investment.

** General Electric Co has agreed to buy flow equipment provider Cameron International Corp's reciprocating compression division for $550 million as it looks to benefit from the boom in the development of shale oil and gas fields.

** French carmaker PSA Peugeot PA has taken a decisive step towards a tie-up with China's Dongfeng Motor Group Co Ltd as the board approved the outlines of a contentious survival plan that divided the founding Peugeot family.

** China's Lenovo Group Ltd has resumed discussions to buy International Business Machines Corp's low-end server unit, a source familiar with the matter told Reuters.

** French utility GDF Suez SA had takeover approaches for Canada-based Talisman Energy Inc rebuffed late last year as it seeks acquisitions worth as much as $10 to $20 billion outside Europe, banking and industrial sources said.

** Activist investor Elliott Management Corp has raised its stake in German drug distributor Celesio AG and now controls shares equivalent to 24.08 percent of voting rights, regulatory filings to the Frankfurt Stock Exchange on Monday showed.

** TransCanada Corp, Canada's No. 2 pipeline company, said it will sell its Cancarb Ltd unit, a carbon black manufacturer, to Japan's Tokai Carbon Co Ltd for C$190 million ($173 million) in order to focus on expanding its pipeline business.

** Osisko Mining Corp rejected an unsolicited C$2.6 billion ($2.37 billion) takeover bid from rival Goldcorp Inc , saying the offer was financially inadequate and not in the best interests of its shareholders.

** French state-controlled nuclear group A reva SA and Spanish wind turbine maker Gamesa have agreed a preliminary deal to create one of the biggest players in offshore wind energy.

** Qatar's Barwa Real Estate Co QSC said it had agreed to sell its 37.34 percent stake in unlisted Barwa Bank for 2.39 billion riyals ($656 million) as part of a wider deal to help the property developer cope with its debt burden.

** Deutsche Bank AG said it expected the long-planned sale of its BHF-Bank unit to happen early in 2014, according to presentation slides. Deutsche Bank, which is selling BHF to financial investor RHJ International SA , wrote nearly 200 million euros ($271.15 million) off the value of the unit in the fourth quarter.

 

** China National Nuclear Corp has agreed to buy a 25 percent stake in Australian miner Paladin Energy Ltd's uranium mine in Namibia for $190 million, locking in supplies as Beijing builds new nuclear plants for cleaner energy.

** Britain's Co-operative Group has scrapped the sale of its general insurance business following a restructuring deal which means it does not have to contribute as much capital to its struggling bank as initially envisaged.

** Bahrain-based investment firm Gulf Finance House BSC said it was offloading 75 percent of English soccer club Leeds United to a consortium of British investors and would retain a 10 percent stake following the sale.

** Shares in Perusahaan Gas Negara surged as much as nearly 9 percent after reports said the Indonesian parliament had rejected a planned acquisition of the gas utility firm by state energy company Pertamina.

 

** Private equity firm Electra Private Equity Plc will acquire footwear retailer Hotter Shoes in a deal valued at 200 million pounds ($327 million), The Telegraph reported on Sunday.

** Abu Dhabi National Energy Co (Taqa) plans to invest about $1.2 billion developing the Atrush oil and gas block in the autonomous Kurdistan region, the head of Taqa's Iraq operations said.

** The board of Norwegian Car Carriers ASA will recommend that shareholders reject a bid for the firm made by Car Carrier Investments, board member Atle Bergshaven told Reuters.

** Dubai district cooling firm Empower bought Palm Utilities from a unit of Dubai World for $500 million on Sunday, part of a shuffle of assets between companies ultimately owned by Dubai's government or the emirate's ruler.

** Tesco Plc considered a bid for mother and baby products retailer Mothercare Plc to help reinvigorate its British hypermarkets, the Sunday Times reported. Citing retail sources, the newspaper said Tesco examined a bid six months ago but has put the plan on hold.

** Royal Dutch Shell and Mubadala Petroleum have swapped equity stakes in two exploration blocks off Malaysia, the companies said on Sunday. Mubadala has taken a 20 percent interest in the Shell-operated deepwater Block 2B and Shell has taken a 20 percent interest in the Mubadala-operated Block SK320 in return.

** Bahrain's Investcorp Bank BSC and the founders of TDX Group have agreed to sell their stakes in the British technology firm to U.S. credit reporting agency Equifax Inc for 200 million pounds, according to a filing at Bahrain's bourse.

** Eaton Corp on Monday said it would sell its aerospace power distribution unit to Safran SA for $270 million, in a deal that is expected to close in the first half of 2014.

** Indian drugmaker Aurobindo Pharma Ltd said on Saturday it agreed to buy Actavis Plc's commercial operations in seven Western European countries for about 30 million euros, in a bid to increase its international footprint.