Saturday, December 19, 2009
2010 Officer Pay Chart :
2010 Enlisted Reserve/Guard Drill Pay Chart :
2010 Officer Reserve/Guard Military Drill Pay Chart :
The full Senate On July 23, 2009 passed the National Defense Authorization Act for Fiscal Year 2010 which states, "Increase in Basic Pay- Effective on January 1, 2010, the rates of monthly basic pay for members of the uniformed services are increased by 3.4 percent."
On July 30, 2009 the U.S. House of Representatives approved a similar fiscal 2010 defense spending bill which also includes a 3.4% increase of military base pay for 2010. The 2010 pay raise amount, as a point of interest, effects those enlisted personnel who will hit the 30 year high year tenure (HYT) mark as those members are the last to have joined under the "final pay" retirement system
2010 military pay chart | BAH Rates |2010 US Military Basic Pay Charts
0 comments Posted by Steve Benn at 11:05 PM2010 Enlisted Pay Chart :
2010 Officer Pay Chart :
2010 Enlisted Reserve/Guard Drill Pay Chart :
2010 Officer Reserve/Guard Military Drill Pay Chart :
The full Senate On July 23, 2009 passed the National Defense Authorization Act for Fiscal Year 2010 which states, "Increase in Basic Pay- Effective on January 1, 2010, the rates of monthly basic pay for members of the uniformed services are increased by 3.4 percent."
On July 30, 2009 the U.S. House of Representatives approved a similar fiscal 2010 defense spending bill which also includes a 3.4% increase of military base pay for 2010. The 2010 pay raise amount, as a point of interest, effects those enlisted personnel who will hit the 30 year high year tenure (HYT) mark as those members are the last to have joined under the "final pay" retirement system.
Basic Allowance for Housing (BAH) - BAH is paid to uniformed service members to provide housing compensation based on pay grade, zip code, and dependency status. Housing allowance is payable when government quarters are not provided or when temporarily residing in barracks.
view current BAH rates here : LINK
Basic Allowance for Subsistence (BAS)- BAS is a rate based on the service member only and is not intended to cover spouses and/or family members’ food/subsistance costs. As of January 1, 2009, all enlisted military members in a proper status draw a full BAS monthly rate of $323.87 and $223.04 for Officers. Service members who draw BAS are required to pay for their own meals, even if provided by the government.
here for : 2009 military pay
Cost of Living Allowance (COLA) - COLA is a cash allowance intended to compensate for high cost of living areas. COLA is not assigned to areas where the cost of living is less than of meets the average of that in the United Sates. A service member must be permanently assigned to the area to receive COLA.
Family Separation Allowance (FSA) - All pay grades, $250.00. FSA provides compensation for added expenses incurred because of an enforced family separation. FSA is payable to qualified members serving inside or outside the United States.
Monday, December 14, 2009
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0 comments Posted by Steve Benn at 6:39 AM
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0 comments Posted by Steve Benn at 6:36 AM
Insurance in USA
The total assets of life insurance companies have grown at an average annual rate of 12 percent from 2002 to 2004, rebounding from slower growth of 3 percent from 2000 to 2002. Companies like MetLife, Prudential Financial, New York Life Insurance and others deal with the life and Health Insurances of the country.
Among other types of the insurances of the country Travel Insurance, Auto Insurances have a high demand. The Auto Insurance follows Liability coverage, Bodily Injury Coverage, Property damagecoverage, Medical payment coverage, Personal Injury Protection (PIP), Uninsured Motorist coverage and collision coverage.
- To increase your loan eligibility, combine your income with that of your spouse, children or parents
- Always negotiate - the first home loan interest rate quoted is never the final rate
- Before paying the loan processing fee request lender for preliminary check on the property
- Buy Loan Protector Life Insurance - ensure your family can use the house if you are not alive
- Immediate disbursement get best rates – talk to home loan providers when you are close to finalizing your property
Benefits aside, most of us still have to grapple with the fine print of a loan agreement.
A home loan helps you reduce your tax burden besides offering the pleasure of owning a house and living in it.
Increasing your loan eligibility
How to get the best rate for your loan
Can one get both exemption of HRA as well as deduction of interest payable on the home loan?
Funding your down payment requirement
In addition to above i would suggest some more way to save tax
BORROWERS INSURANCE ATTACHED TO HOME LOAN
1 some of the home loan company offer borrower insurance under which if borrower died no further payment of emi is taken from the survivors so it is a good insurance devise also. Suppose a borrower take loan of rs 10.00 lacs and after one year he died then rest of the loan woudl woudl be paid by the insurance companies. And survivors woudl be entitled for without encumberance home.
Maximum your tenure
Every assessee should take maximum tenure of loan. As such EMI would be less with .5% higher interest burden. He should deposit the differential [ EMI ON SHORT TENURE-EMI ON LOGEST TENURE ] with PPF. As the interest earned on PPF is same 8% but home loan interest is tax deductible so effective rate is less
For example if home loan interest rate is 8.5% and rate of Tax is 30% then effective rate comes to 8.5%-30% of 8.5% being tax saving
If the assess deposit the excess with PPF then after fifteen year he withdraw the money and repay his home loan he would be saving a lot
Further, with longest tenure his interest components will be more then Capital repayment comp
Cheap UK Car insurance and home insurance quotes comparison
0 comments Posted by Steve Benn at 6:15 AM
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7 ways to save Money on Auto insurance |Best auto insurance rates,quotes and delears
0 comments Posted by Steve Benn at 6:13 AM1st way:
Earn a Low Mileage Discount
Drive a Hybrid
go with $600 or $9,000 Deductibles
Buy Gap Insurance
Protect Your Credit
Earn Renewal Discounts
Insure Your Home and Auto Wisely
Get Real, Competing Car Insurance Quotes From 15 Top-Rated Carriers. Progressive Insurance The Hartford Travelers Insurance Liberty Mutual Insurance Safeco
Here is a list of Top 10 Best Car Insurance Companies
1) Esurance
2) Geico
3) Allstate
4) AAA
5) 21st Century Insurance
6) State Farm
7) Progressive
8) Liberty Mutual
9) Nationwide
10) American Family
Sunday, December 13, 2009
Types of Insurances present-An introduction to the most common types of insurance, including a step-by-step approach to buying insurance and an explanation of the different types of policies.
0 comments Posted by Steve Benn at 8:08 AMBasically, the purpose of all insurance is to protect yourself or your family against the financial impact of a tragedy
The advantage of going to an agent is that an honest and competent one can review your situation and make suggestions. The advantage of going on your own is that you usually pay less for the same amount of insurance
Types of Insurances:
LIFE INSURANCE
AUTO INSURANCE
HOMEOWNERS' INSURANCE
APPLIANCE PROTECTION INSURANCE
HEALTH INSURANCE
Auto Insurance India, Auto Insurance rates, Auto Insurance
0 comments Posted by Steve Benn at 7:45 AMAny light motor vehicle used for social, domestic and pleasure purposes and for the insurer's business.
1(a). Loss or damage by accident, fire, lightning, self ignition, external explosion, burglary, housebreaking or theft, malicious act. 1(b). Riot and strike; terrorism; earthquake; flood, cyclone and inundation 1(c). whilst in transit by rail, road, air, elevator, lift. Perils under 1(b) can be deleted and a discount in premium availed. 2. Liability for third party injury/death, third party property and liability to paid driver. 3. On payment of appropriate additional premium, loss/damage to electrical/electronic accessories, PA cover for drivers, insured or any named person, unnamed passengers can also be taken. 4. Certain discounts in premia are also available.
Act Liability
f) In case of death of the Insured/any person entitled to indemnity for a liability incurred under this Policy,his personal representative will be indemnified ,as in the case of insured,if he observes all conditions as the insured himself.
Stigum's Money Market
Now in its fourth edition, this is the classic book on the US money market. Based on hundreds of interviews with market practitioners, it is an in-depth look at all corners of the market, from Treasuries to repos and Eurodollar futures. Market makers, electronic trading, and the role of the Fed are all explained. The book is rich in history and industry folklore. There is almost no math here, just engaging writing
How is the Forex Market Different?
There are some significant differences between the forex market and others like the stock market. While it may be the feeling that a good trader should be able to handle any market, the fact of the matter is that some structural differences in forex can require a different trading approach.
MIC Electronics bags order from worth Rs. 18mn from Western and Southern Railways from WIZCRAFT
0 comments Posted by Steve Benn at 7:30 AMMIC Electronics has bagged a order worth RS18 mn from Western and Southern Railways from WIZCRAFT.
The company has trail orders worth Rs22.5mn received from Industrial houses and FMCG company for supply of LED Luminaries of 60 W to 120 W and few more in pipe line from industrial houses for LED Luminaries.
MIC Electronics Ltd has announced the installation of True Colour LED Video Display Systems for passenger Information at Hubli, South Western Railway, order worth Rs. 13.3mn
MIC Electronics fixes Book Closure for Dividend & 21st AGM
0 comments Posted by Steve Benn at 7:28 AMMIC Electronics Ltd has announced that the Register of Members & Share Transfer Books of the Company will remain closed from December 25, 2009 to December 30, 2009 (both days inclusive) for the purpose of Payment of Dividend & 21st Annual General Meeting (AGM) of the Company to be held on December 30, 2009.
The stock was trading at Rs.40.85, up by Rs.0.65 or 1.62%. The stock hit an intraday high of Rs.41.30 and low of Rs.40.30.
The total traded quantity was 153127 compared to 2 week average of 175875.
Tuesday, May 19, 2009
Prices that go up can come down
The first and most important rule is that the price of shares can go down as well as up. Because a share may have been performing very well for many years is no proof that it will continue to do so. All sorts of unforeseen and unexpected events can bring about sharp reversals in a company’s fortunes.
You shouldn’t invest any more money than you can afford to lose.
Understand your attitude to risk
To get bigger rewards you have to take bigger risks. This attitude can make you huge returns but can also lose you all your money. If you fancy a gamble, take this route. However, most people want to minimise their exposure to risks in the stock market. To achieve this don’t put all your eggs in one basket. A variety of investments across a range of different companies in different sectors of the market is more likely to insulate you from the ups and downs in individual shares.
There are many and varied ways of spreading your risk. You could choose to invest in companies in different sectors of the market, such as banking, retail and technology, or you could spread your risk by picking some large companies and a selection of smaller companies.
Bigger can be safer
Large companies, with strong finances and a long history, are far less risky than small, recently formed companies whose strength hasn't really been tested in the market place.
Big, safe companies are known as 'blue chips'. (In gambling, blue chips traditionally have the highest value.) Such companies are very unlikely to go bust. But even these are not completely immune. The demise of Marks & Spencer's share price is testament to that. There's no room for complacency in investment.
The flipside of ‘safety shares’ is that they are unlikely to grow fast, so you could expect a steady, unspectacular return from this kind of stock.
Be in it for the long term
To insulate yourself from falls or even stock market crashes, experts believe you should plan to keep your investments for a minimum of five years. That way, you’re more likely to ride out any downturn. If you think you could need your money before five years, you should steer clear of investing in the stock market at all.
Don’t panic and sell at a loss
The worst thing you can do should you suffer a downturn in one or all your shares, is to sell. This simply crystallises your losses. Keep a cool head and see what happens to the price of the shares over the next few months or even years. If losses occur across all your shares and were linked to a general stock market downturn, chances are that the market as a whole will recover in time. If your losses are connected to a particular share, you need to make a judgement call as to whether the company’s fortunes will change. If you think the situation will remain poor, it may be best to cut and run with whatever funds you have left.
It’s much easier to buy than to sell
Selling is the only way to cement any gains. A ‘paper profit’ is just that – worthless. Many people find it hard to sell their shares, particularly if they have made a profit.
There is no room for sentimentality in investment. It can often pay to accept that you will never sell your shares at the very top of the market. Waiting for the top can expose you to seeing your valuable shares slide in price.
How to Buy Shares Online: A Guide to Buying Shares on The Stock Market
0 comments Posted by Steve Benn at 3:34 AM
Sensex closed at 14302, up 17 points (provisional) and Nifty at 4318, down 4 points (provisional)
0 comments Posted by Steve Benn at 3:26 AMThe market ended flat today amid high volatility and saw the highest turnover ever of Rs 1.57 lakh crore. Sensex closed at 14302, up 17 points (provisional) and Nifty at 4318, down 4 points (provisional) from the previous close. CNX Midcap index was up 2.21% and BSE Smallcap index was up 2.59%. There was heavy buying in realty (BSE Realty index up 12.8%) and selling in IT stocks (BSE IT index down 10%). The market breadth was positive with advances at 924 against declines of 332 on the NSE
Monday, May 18, 2009
Welcoming UPA's win in the solon elections markets unsealed on a real upbeat say triggering of journeying breakers for the primary period ever. The shares surged nearly 15 percent within seconds of alternative on Monday, triggering circuit breakers that halted occupation for two hours as investors glorious a comprehensive election victory for the judgement union. The markets further stretched their gains which triggered the unalterable journeying breaker that shuts patronage for the day. It was the honours minute a journey wave has been set off by a origin in the Bombay Repute Change (BSE), a spokesman said. The measure 30-share BSE indicant wine 14.70 proportion to 13,963.30 points, its highest since September 23, and the 50-share General Reputation Mercantilism (NSE) finger jumped 14.48 pct to 4,203.30, also an eight-month squeaky. Earlier, the BSE said its forefinger had risen 10.7 proportion before the halt. "It is real startling because the turnover was not some. It's rattling calculating to interpret how the racetrack breakers get been triggered when the volumes are so low," T.S. Harihar, evil chairman at ICICI Securities, said. Raceway breakers are set supported on moves of 10 proportionality, 15 percent and 20 pct using the chummy to the previous kill as a drug. Triggering a raceway ledgeman in one market also closes the different. The BSE forefinger was up 1,789.88 points and the NSE indicant was up 531.65 points at the preclude, both having decussate the 15 pct causing limits. When trade resumed, the BSE forefinger wide its ascend by 160.12 points to 1,950 points and the NSE vino another 68.35 points to be up 600 points on the day, the 20 proportion decrease was triggered and line was halted for the day.
Thursday, April 23, 2009
Inter 2nd year Board of Intermediate results 2009 | inter 2nd year results
0 comments Posted by Steve Benn at 9:25 AMHyderabad: The Board of Intermediate Education of Andhra Pradesh(BIEAP) is likely to announce the Intermediate Second Year - General & Vocational Examination Results 2009 on April 24, 2009.
Students can also get their results through Mobile Phones by sending the following SMS to '56263':
For Intermediate General Second Year:
SMS Result APGEN2
For Intermediate Vocational Second Year:
SMS Result APVOC2
The results of the Intermediate First Year - General and Vocational courses was declared on Friday, April 17, 2009.
A total of 8,01,728 students appeared for the First Year General Examination and a total of 57,515 students appeared for the First Year Vocational Examination.
Tuesday, April 21, 2009
Key Highlights:
- Record Operating Profits at $1.43 B; up 11.7%
- Net Profit at $ 1.12 B; down 10.1%
- Board of Directors recommend 1:1 bonus share issue
Tata Consultancy Services Ltd posted a 4.6 percent rise in quarterly profit, but it expects prices to fall by lower single digits in the coming year.
Monday, April 13, 2009
Tech Mahindra won the bid for Satyam Computer Services Ltd o Monday. The company snared in India’s biggest corporate scandal, announced the winning bidder for a controlling stake at Rs58/share.
Saturday, April 4, 2009
India to seek additional assistance of $5.2 bn from the World Bank for its financial sector and infrastructure projects
0 comments Posted by Steve Benn at 1:12 AMAssured a greater say into the affairs of multilateral lending institutions, India will seek additional assistance of $5.2 bn from the World Bank for its financial sector and infrastructure projects, officials said.
US markets closed the week on a positive note. The Dow posts its biggest four week gain in 75 years.
But more news on the economic front: the March unemployment rate jumped to the highest level since 1983. The economy lost 663,000 jobs; posting a jobless rate of 8.5%, treasuries slumped after the jobs report was better than economists' forecast. The benchmark 10-year note yields rose to 2.89%
The ISM (Institute for Supply Management) non-manufacturing index dropped to 40.8 in March versus 41.6 that we saw in February.
Source: Moneycontrol
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