Medical tests can reveal critical information, but sometimes the? test is lost and the doctor and patient never get the results, potentially delaying essential care. That was the case for one Maryland woman whose cancer went untreated for a year.
Source: http://www.msnbc.msn.com/id/3036697/vp/45529566#45529566
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NEW YORK ? Sprint Nextel Corp. is mending fences with independent subsidiary Clearwire Corp., pledging Thursday to use the data network Clearwire is planning to build and to participate if the company raises more capital.
The announcement is a lifeline for Clearwire, which is struggling financially. It's using a network technology called WiMax that has been bypassed by all phone companies except Sprint, and lacks the funding to upgrade to the industry's standard technology.
Clearwire shares climbed 43 cents, or 24.2 percent, to $2.21 in midday trading. The stock has been very volatile this year, as investors have followed the blow-by-blow of Clearwire's tempestuous relationship with Sprint.
Overland Park, Kan.-based Sprint owns 54 percent of Kirkland, Wash.-based Clearwire, but doesn't have voting control. Sprint now resells access to Clearwire's WiMax network as "Sprint 4G."
Two months ago, Sprint made clear that it had no plans to keep selling WiMax-compatible devices after the end of next year, and it said nothing about using the new network Clearwire is planning. That sent Clearwire shares crashing.
On Thursday, Sprint said it will collaborate with Clearwire Corp. on building the new network and expects to sell phones that can use it, starting in 2013. It will pay up to $350 million in advance for network capacity if Clearwire meets certain buildout goals.
Clearwire will still need more funding for the network. Sprint said it would participate in a share offering, buying shares worth up to $347 million to maintain its stake in the company.
Also Thursday, Clearwire said it's made $237 million in interest payments that were due Thursday on its debt. The Wall Street Journal had reported two weeks ago that the company was considering whether to delay the payments.
Sprint also said it's paying Clearwire $926 million for unlimited use of its WiMax network in 2012 and 2013, and intends to establish a usage-based contract for 2014 and beyond.
Sprint is upgrading its own network to use the same technology Clearwire is planning to use, dubbed LTE, for Long-Term Evolution. It has also struck a deal to collaborate with privately funded startup LightSquared on its LTE network. That network, however, is being held up by concerns that it will interfere with GPS navigation devices.
Given that Sprint is building its own network, analysts believe it will minimize Clearwire's role over time, despite Thursday's announcement. That leaves "Clearwire's strategic role in doubt long-term," said Michael Nelson at Mizuho Securities.
Sprint shares fell 1 cent to $2.69 in morning trading.
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ASSET SALE: BP PLC is selling its Canadian natural gas liquids business to Plains Midstream Canada, a subsidiary of Plains All American Pipeline LP, for $1.67 billion.
BLOWOUT FALLOUT: BP made the sale, expected to close in the second quarter next year, as it works to shed $45 billion in assets, mainly to meet the costs arising from the oil well blowout in the Gulf of Mexico last year.
REGIONAL SCOPE: The business extracts, processes and transports natural gas liquids across Canada and in the Great Lakes region. It includes 2,600 miles of pipelines, storage facilities, processing plants, and long-term leases on rail cars that move petroleum products.
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Craig writes in:
Skip to next paragraph Trent HammThe Simple Dollar is a blog for those of us who need both cents and sense: people fighting debt and bad spending habits while building a financially secure future and still affording a latte or two. Our busy lives are crazy enough without having to compare five hundred mutual funds ? we just want simple ways to manage our finances and save a little money.
I just found out that I?m being ?downsized? at the end of the year. While I have a small emergency fund, I do have a mortgage and a bit of credit card debt. I also have three kids at home. My wife will continue to work, but she has only a part-time job with minimal benefits. I am receiving a pretty good severance package, though.
Rather than panicking, I?m trying to be calm and rational about figuring out what?s next. This made me think of you and The Simple Dollar. If you were in my shoes, what would you do?
Here are the steps I would take in your situation.
Start living cheaper immediately. This means cutting back on or eliminating non-essentials in your life. Cancel your Netflix account. Pare back on your premium movie channels. Start eating at home more. Start brown-bagging your lunch. Just use good old fashioned frugality to your advantage, because you?re at a point where every penny matters more than ever.
Move to minimum payments on all debts. If I?m making any payments larger than the minimum on any of my debts, I?d pare them down to the minimum right now. This might involve adjusting automatic mortgage payments or other such things. I just couldn?t afford those excess payments if I were in this type of situation.
Build up my emergency fund. Every excess dime I earned between now and leaving my job would go into here. Then, during my actual period of unemployment, I would use this account as a supplement to what my spouse was bringing in, if needed. This arrangement would allow me to survive a fairly long period of unemployment without getting into real trouble.
Investigate my COBRA options. If there was a health insurance need, and it sounds like there is, I would look into the COBRA options at work. COBRA is a federal law that allows you to use the health insurance provided by your former employer for a period if you pay for the insurance. If my family needed my insurance, I would strongly consider using COBRA to extend my insurance.
Polish up my resume. I would focus on actual accomplishments over the last five to ten years rather than just a long job history. I?d be better off listing things I?ve achieved and skills that are very clearly marketable than just listing all of the jobs I?d done over the years. Employers don?t care about the irrelevant job I was doing in 1993, so I?d save that line for a description of something I achieved at my most recent job.
Send an individual email to each person I know well in my field. I?d suggest that I might be looking for greener pastures and ask if they know of any relevant positions that might be available. Social connections are the most valuable tool you have for getting your foot in the door at a new job.
Hit the social networking sites, especially LinkedIn and Twitter. I?d use LinkedIn to build up professional connections, starting with the people above that I emailed. I?d use Twitter to dive into professionally-oriented conversations with people in my field. LinkedIn does a great job of shoring up the connections one already has, while Twitter does a great job of starting to build new connections.
Start building a side gig. Even with all of these things, you?re going to have some time to burn. Use it productively. Make an effort to start a side business in an area you?re passionate about, whatever that might be. I know one person who moonlights as a high school sports referee. Another person I know makes art that he sells on Etsy. The key is to start something that will bring you some income now, but more importantly has the possibility to grow into something later.
In other words, this is a time to be busy. Get started now.
The Christian Science Monitor has assembled a diverse group of the best economy-related bloggers out there. Our guest bloggers are not employed or directed by the Monitor and the views expressed are the bloggers' own, as is responsibility for the content of their blogs. To contact us about a blogger, click here. To add or view a comment on a guest blog, please go to the blogger's own site by clicking on www.thesimpledollar.com.
Source: http://rss.csmonitor.com/~r/feeds/csm/~3/IJhnLrkU-8s/How-to-prepare-for-unemployment
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BRUSSELS ? European Central Bank chief Mario Draghi hinted the bank was ready to play a bigger role in the resolution of Europe's debt crisis, but only after the 17 countries that use the euro tether their economies more tightly.
Speculation is mounting that EU leaders will align their budgetary policies more closely in order to bring government debt levels under control in the future. This must happen, Draghi told the European Parliament Thursday, before the ECB or other institutions could take more aggressive steps to help prevent the continent's current debt overload from ripping apart the euro and the global financial system.
"Other elements might follow, but the sequencing matters," Draghi said. "And it is first and foremost important to get a commonly shared fiscal compact right.
"Confidence works backwards: if there is an anchor in the long term, it is easier to maintain trust in the short term," he added. "After all, investors are themselves often taking decisions with a long time horizon, especially with regard to government bonds."
The ECB cannot lend directly to governments, including by buying their national bonds. It can, however, buy national bonds on the secondary market, lowering borrowing costs for governments. But it has resisted such action because it believes that would take the pressure off politicians to cut spending.
Draghi said such interventions "can only be limited" and said it was up to governments to first put their finances in order to convince bond markets that they are creditworthy borrowers.
"Governments must ? individually and collectively ? restore their credibility vis-a-vis financial markets," said Draghi, who only replaced Jean-Claude Trichet as ECB head a month ago.
Three relatively-small countries ? Greece, Ireland and Portugal ? had to be bailed out because of unsustainable debt levels, and Italy, the eurozone's third-largest economy, is facing intense strains as its borrowing costs surge.
A summit of EU leaders on Dec. 9 is expected to focus on how to make the eurozone more unified. The markets think that the eurozone has little choice but to back proposals for much closer coordination of their spending and budget policies.
Since the euro was established in 1999, the rules governing the eurozone have been fairly lax. A "commitment" for countries to keep their budget deficits in check was violated on numerous occasions, including by Germany, Europe's biggest economy.
The big worry in the markets now is that Italy, with its debt mountain of euro1.9 trillion ($2.55 trillion)is just too big to bail out under current rules.
Draghi said Wednesday's joint intervention by the world's leading central banks to make dollars more easily available is only a temporary measure. The move was wildly-cheered in the markets on Wednesday, with the Dow Jones industrial average rising nearly 500 points.
On Thursday, the Stoxx 50 index of leading European shares fell 0.4 percent in morning trading though there were encouraging signals in the bond markets, where the borrowing rates of France, Italy and Spain all fell amid hopes of an imminent resolution.
France and Spain survived a test of investor sentiment Thursday, as they managed to sell all the bonds they were planning at rates lower than feared.
Wednesday's coordinated action by central banks will ease borrowing for banks, but it does little to solve the underlying problem of mountains of government debt in Europe, leaving markets still waiting for a permanent fix.
Potentially, the ECB has unlimited financial firepower through its ability to print money. However, Germany finds the idea of monetizing debts unappealing, warning that it lets the more profligate countries off the hook for their bad practices. In addition, it conjures up bad memories of hyperinflation in Germany in the 1920s.
One option that appears to be surfacing is that the ECB could provide the Washington D.C.-based IMF with more resources so it can then lend it out to countries that need financial help. Reports earlier this week suggested that the IMF was gearing up to lend Italy, the eurozone's third-largest economy, with euro600 billion in loans.
"Draghi didn't rule out the ECB providing funds to the IMF to provide to Italy but he's equally making it very clear that the ultimate solution lies with the governments," said Simon Derrick, a senior analyst at the Bank of New York Mellon.
____
Pylas contributed from London.
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Organizations usually have a structure that is unique to its operations but one aspect that they all have in common is a finance section. This is the case whether an entity is a business, a church, hospital, charity or any other kind of operation. Therefore, finance jobs are one of the most stable. The function of financial management is also key so the jobs are also quite well paying.
The accountant is often portrayed as a person with a stiff upper lip and an even stiffer manner when it comes to demanding receipts and other accounts of expenditure. Yet is their relentlessness in maintaining books that are perfectly balanced that keeps an organization on an even keel. Even the most successful organization can keel over because of misappropriations and inaccuracies.
There are also finance managers whose role is making decisions about operations of an organization. They set the agenda and make the foundations decisions that guide operations. They will for example decide on the scope of operations, which may be a single entity to a regional, national or international corporation.
They also determine the way daily operations will be carried out. They create departments, positions and decide how many staff members will be needed in every section. They also make basic decisions like the size and location of business premises and the assets like machinery that needed for work to be done.
Large scale corporations and organizations will usually have a board at the helm. Some also have shareholders. On this team will be a financial head who alongside other directors, make the call as concerns putting shares on the market, allocating the value of shares and when profits are made, how they will be utilized in dividend payment and perhaps reinvestment.
There are also opportunities to venture into self employment in this career. In small and mid sized businesses, it is often the proprietor who plays multiple roles. They are the marketer, personnel manager if they hire a team, sales person, accountant and office administrator. They are overloaded and they cannot be knowledgeable on every aspect of running their business. They will often outsource some tasks.
Those who wish to get into self employment have a number of options. They can work as consultants, advising clients on personal finance or organizations on various management aspects. There is also the option to pick a niche and offer services related to it such as being a book keeper, a tax consultant, an investments advisor, a risk assessor and other sections of finance. There will never be a shortage of financial jobs or good remuneration for it because every organization needs these services.
You can find complete details about the different types finance jobs available in South Africa and more information about our service offering on our site, now.
Source: http://www.ianslive.com/choosing-a-career-with-finance-jobs/
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