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Are Futures In Your Future?

Written by Wall Street News on April 27th, 2018. Posted in Uncategorized

The idea seems simple enough at first: anyone can become a member of the merchant class, without ever having to physically even see their product.

Commodity futures originally developed as a way of making the market more stable, guaranteeing future prices (hence the name) for staples like wheat, corn and cattle.

Every futures contract required three pieces of information: the agreed upon type and grade of the product (corn, dried, off the cob), a quantity offered per contract (5000 bushels), and a delivery date (November 15th). At first, this contract would be retained, and on the designated date, the product would actually be sent to you from Chicago.

By the start of the last century, however, futures became an investment product in their own right, with a majority of futures trades taking place between speculators who only intended to profit from the commodity market, and never even wanted to take delivery.

There are currently 37 true commodities traded in Chicago and New York. These can be split into three categories: agricultural, energy, and trade metals. The price of gold or oil in the news? That’s a commodity. Steak suddenly costs much more than it should? Cattle futures are probably up.

Commodities, especially the precious metals, generally move opposite the stock market, for a variety of reasons including hedge funds managing risk, and investors seeking products that retain value and utility in unstable or inflationary economic conditions.

However, buying futures contracts themselves is NOT a viable long term investment. As we mentioned before, futures do expire, and have a delivery date. On that date, if you still have that position, you will have found that your entire investment has been spent on tons of, for example, perishable pork bellies, that you will need to find a way to deal with. Or worse yet, if you were short in a futures market, you will find the exchange coming after you to supply them with all that pork!

Of course, as we mentioned most modern futures investors are speculators, and never wanted all that bacon to begin with, so there is another way to resolve a futures contract: consummation.

Consummation requires making the opposite move than you initially made, ideally for a better price; i.e. if you bought the contract, selling it for a higher price, or if you sold short, buying to cover at a lower price. (Or, if the contract is about to expire, at any price. Remember the delivery date is final…)

For most individual investors, however, the short term nature of futures, combined with prohibitive share prices, with many contracts running over $100,000 per unit, make commodity funds a much better investment. In exchange for losing the close control afforded by direct participation in the commodity exchange, you can gain the peace of mind that your retirement fund won’t show up at your door in a line of cattle cars!

The Benefits of Temp Jobs

Written by Wall Street News on April 24th, 2018. Posted in Job placement, Staff your team, Temporary staffing services

Every single year there are businesses that suffer from losing employees. This is not just damaging to the average business but also hurts the entire United States economy as well. Just about $11 billion is lost each year just because of employee turnover.

Almost 86% of companies with employee recognition programs cite an increase in worker happiness. There are plenty of strategic methods by which companies can improve worker happiness and keep employees. However, temp jobs are now increasing in terms of popularity by way of help from temp agencies. Here are some fact on staffing agencies, job placement agencies, and temp jobs!

Right now in the United States, there are nearly 3 million contract employees and temporary employees working for staffing companies during the average week. So that means that using temporary employees for a temp job is incredibly common in the Unite

What Separates A Strong Website From A Weak One? It’s All In The Design

Written by Wall Street News on April 21st, 2018. Posted in Louisville advertising agency, Louisville web optimization services, Website design louisville

Louisville web optimization services

Today’s website looks rather different from websites 15 years ago.

It’s easier than ever to get a basic website up and running. There are plenty of affordable, even free resources that are available to a wide variety of people, making the internet more accessible than ever. Does that mean you shouldn’t put in a little extra effort when it comes to your brand? Absolutely not. Even though the internet grows bigger by the day, customers are more critical than ever, outright abandoning websites that don’t load fast enough and picking favorites faster than a first impression can even be established.

If you want to keep up, you need to have a digital marketing strategy in place that keeps pace.

It’s Time To Update, Even If You Don’t Want To

Five Crystal Gift Ideas That Will Wow Your Partner

Written by Wall Street News on April 20th, 2018. Posted in Crystal thank you gifts, Military appreciation gifts, Police appreciation gifts

15 years service award

Are you wondering what to get your partner for your anniversary?

Thinking of jewelry but having trouble deciding?

Maybe you’re thinking of crystal.

If so, you’ve come to the right place.

A crystal is a solid material whose atoms and molecules are arranged in a tight microscopic pattern. The microscopic pattern extends in all directions, giving the crystal its ordered appearance. The word “crystal” derives from the Ancient Greek word for ice.

Examples of crystals are diamonds, Apatite crystals, and Bornite-covered crystals. They are also more than ornaments; large crystals include table salt and snowflakes.

Crystals make great gifts. They are given as crystal anniversary gifts, Continue Reading No Comments

Medicaid and Your Estate: What Can Be Saved?

Written by Wall Street News on April 19th, 2018. Posted in Uncategorized

While Medicaid pays for 59% of long-term elder care in the US (its largest category of spending by far), when the program was created it was intended as a “payer of last resort” — a form of insurance that takes over for poor seniors or, as is often the case, senior citizens made poor by their long-term care. With the average cost of a nursing home in New York reaching $128,000 per year, twice the cost of college, Medicaid is an inevitable fact of life for even successful retirees with what seemed like perfect estate planning.

Due to its need-based mandate, Medicaid has notoriously stringent criteria for eligibility, including hard limits on income (zero – any incoming payments must go directly to Medicaid), assets (no more than $14,200 in cash or investments), and gifts, both given and received. These rules became stricter after the Deficit Reduction Act of 2006 (which also made bankruptcy a more difficult, painful process) and will likely be tightened again in the next few years through the currently proposed health care reform.

One major change that caused losses of billions of dollars thought to be safe was the restriction on annuities to the lifetime of the annuitant (the originator of the asset), preventing them from being a way to safeguard an estate, since any remaining balance would now go directly to the government. Even more vexing are the rules surrounding the newly expanded lookback period, a span of up to five years before applying for Medicaid where all spending is scrutinized with the theory that any unnecessary spending in those years should have been directed toward future nursing-home care.

Plan Ahead

It’s never too early to think about Medicaid. It may be possible to “pre-execute” a substantial portion of the estate at a much earlier age than you might expect — possibly as soon as 61. Using trusts and annuities, you can move assets into your children’s names, where Medicaid can’t look for them. The downside here is that these “gifts” are taxable at a rate even higher than ordinary income… and are taxable twice if they need to give you back some of it for additional expenses you didn’t foresee. Also, you take the risk that your family members will spend the money as if it were an inheritance, and it won’t be available if or when you need it. And if you end up in long-term care sooner than expected, they will be obligated to pay back more than they received — the entire pre-tax value of the gift.

Move

Another way to maximize the remaining estate is to move, counterintuitively, to a more expensive property. While many seniors downsize with the intention of saving money, upsizing has its advantages too. Medicaid allows you to keep your residence up to a set limit of $543,000 ($814,000 in and near some major cities) as long as you owned the home for at least five years, and it is the final place you live before the assisted-living facility. And as long as you don’t sell the house, it, or the proceeds from its sale, becomes part of the estate.

Share

If you are married, assets for the exclusive benefit of your spouse are also exempt. This one won’t help your heirs, but it will ensure that your spouse is taken care of during and after your illness. Assets are generally considered to be shared between married couples, and count against your eligibility, however, it’s possible to create a special type of “Medicaid annuity” and protect assets that otherwise would have had to go toward your own care. These annuities are restricted to the actuarial life expectancy of the spouse not in the nursing home, and in case of an early death do NOT become part of the estate, but rather are forfeited to the Medicaid.

While these options become more and more restrictive the longer you wait, it’s possible to save more than one might initially expect. Make sure you start planning early, and consult a financial advisor specializing in Medicaid and long-term care to protect the funds for your care and your inheritance!

The New Form Of Shipment Tracking Aerospace Logistics Services

Written by Wall Street News on April 16th, 2018. Posted in Air freight rates, Ltl carriers, Ltl shipping definition

The shipping industry is quite complex, much to the surprise of many Americans. Most people who order items online just view it as a simple process by which they receive their products. However, this is a process in which shippers need serious help tracking overweight shipping, specialty freight, expedited trucking, and all other forms of shipments. One of the newest forms of technology comes by way of aerospace logistics services.

Aerospace logistics services are the new form of technology by which shipment companies can track their shipments. This is incredibly important because right now the LTL market is booming. LTL is a shortened version of less-than-truckload and is valued to be at $35 billion.

The amount of cargo that was shipped and moved b

Helping The Environment, Saving Money And Improving Your Health The Benefits Of Clothing Donations

Written by Wall Street News on April 11th, 2018. Posted in Clothing drop off, Helping military families, Local clothing donations

Purple heart clothes donation

The new year is in full swing. Have you donated to charity lately?

If it’s been a while since you’ve dug around in your home for unwanted items, never fear. Charitable clothing donations are still one of the best ways to help out your community and do some good for the planet. While offering up furniture and old toys is a useful endeavor, veterans clothing donations hold the unique distinction of being able to penetrate multiple levels of society. It can clean up the environment, save you money on your taxes and provide countless people with useful items.

Here are the five things your clothes donations will do this year.

Clean Up Landfills And Encourage Cleaner Air

Tracking Your Company’s Freight with Brokerware

Written by Wall Street News on April 9th, 2018. Posted in Broker systems, Ltl shipment, Ltl tms

Ltl

Technology has been making continuous advancements as of late. It appears that up-and-coming software has been steadily becoming better with each and every year, advancing the businesses they support by reducing the amount of man hours needed, all the while producing technically flawless data. For those working within management positions, they know how important these advancements are, as they better the workforce as a whole, ensuring that all of the company’s bases are covered. Further, for those keeping an eye on the company’s accounts, it is important that every investment and arrangement is providing the best outcome that it can.

Broker systems and broker software, often referred to

Hazmat Certification What You Need to Know

Written by Wall Street News on April 5th, 2018. Posted in Handling hazardous waste, Hazmat certification, International transport of hazardous materials

Rcra dot training

Hazmat Certification: What You Need to Know

    If you are someone (or know someone) who works with potentially hazardous materials, consider the benefits of hazmat certification. When it comes to dangerous materials, an injury is the biggest concern as exposure to such elements can cause serious injury, or even worse, death. Thus, if you work with such materials, sign up for a hazmat certification course as soon as possible to protect yourself from injury. Keep reading below for additional information pertaining to hazmat certification.

    1. Keep in mind that 3 billion tons of hazardous materials are shipped every year so there is a lot of potential for injuries.

How Do You Get The Most Out Of Your Business Sign? Keep These Five Tips In Mind For Success

Written by Wall Street News on April 1st, 2018. Posted in Backlit film for sale, Life size poster for sale, Real estate sign

Custom real estate signs

Custom banners, display boards for sale…keeping up with the value of your signage can seem like a lost cause right from the beginning with so many options available.

That doesn’t mean it isn’t worth the effort. Your signs are some of the most affordable and useful marketing tools you have at your disposal, covering multiple bases while keeping your budget smart. They’re useful for directing customers to your place of business. They communicate multiple elements at a glance. They can even start giving you your money back. Being able to achieve all these traits and more, however, requires a little old-fashioned knowledge right alongside the more dynamic, new additions.

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