21 Mart 2013 Perşembe

Borrowing from the Future

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Borrowing from the future

With a pinch of luck and a little planning, retirement is something most people look forward to after a long journey. There are many different ways to plan for that retirement, and saving money in a 401k type plan is certain one of the more popular ones. When that money becomes a tempting piece of fruit on the tree before retirement, is it worth picking?

Making the choice to withdraw funds from a retirement account has its benefits and disadvantages. Taking a low-interest loan from the Thrift Savings Plan (TSP) to pay off significantly higher interest rates on debt can potentially lead to great cost savings. Then again, the benefits may not be what one expects at the end of the day.

Any earnings that money withdrawn from the TSP could have earned had it remained in the account might be greater than the savings realized from interest on other loans. If a 2 percent loan from the TSP replaces a 20 percent loan on a credit card, but the stock market yields a 25 percent return that year, then the net effect is less money in the TSP at retirement. If the stock market performs poorly and loses 10 percent, then the move was beneficial.

Nobody knows exactly which direction the market will travel in a given year, much less by what degree. When making the decision to take a TSP loan, the best resource you can draw upon is your own judgment.

If a difficult financial situation is making it hard to sleep at night, and a TSP loan can alleviate that issue, it might be worth consideration. If the money from a TSP loan is used to buy a new boat, RV, TV, or other toys, it might not be the best use of retirement assets.

What do you think about TSP loans?


17 Mart 2013 Pazar

I ordered a parcel from the uk and it still hasn't arrived after double the specified delivery time?

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I ordered it 2 weeks ago today and it was specified as taking 4-6 days. ( i live in aus) i also used this http://www1.auspost.com.au/gc/ and it said it shouldve arrived last friday. I spent $130 on this so its really important i find out a quick solution and the seller is unable to give a refund for 28 days. What is best to do in this situation?I ordered a parcel from the uk and it still hasn't arrived after double the specified delivery time?
Mailing times are always longer at Christmas, that's why we're always being told to post early! There will be a huge volume of mail coming from the UK and it all needs to be checked by Australian Quarantine before going into the mail system so expect some delays there. Plus Australia Post were on strike yesterday which doesn't help.



Expecting the package to get here in 4-6 days at this time of year was overly optimistic. A more realistic timeframe would be 2 to 3 weeks. If you haven't received it after 3 weeks contact the sender. I ordered something from Canada three weeks ago, and I honestly don't expect to see it until the New Year.



The link you gave is simply Australia Post's 'expected date calculator', not a guarantee that an item will arrive on a specified date.
Dunno, but I live in the UK and I can tell you that the postal system here is in crisis with loads of delayed mail piled up in sorting offices.I ordered a parcel from the uk and it still hasn't arrived after double the specified delivery time?
I think you'll find that Australia Post is on strike, nothing you can do about it I don't think. I hope it arrives for you before christmas.
Well the seller won't be able to do anything about it if the post lost it.

You should contact them and tell them if it still doesn't arrive by next week.I ordered a parcel from the uk and it still hasn't arrived after double the specified delivery time?
They cheated you. Call the company and threaten that you will sue them for false delivery and item.
Coo-ee! Maybe the postman left it at the billabong, and the bloody dingos got it!!
You either got ripped off, or there is a major lag: Holiday, shipping problem, wrong address, and kept..

25 Şubat 2013 Pazartesi

Does California Need An Oil Severance Tax?

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I used to think it didn't sound like that bad an idea. After all, every other state has one, don't they? Well, no, not all do. Some, as it is with California, have other forms of taxes that pretty much replace oil severance taxes.

This California Political Review article gives some details on California oil and gas taxation in comparison with other states. I realize many readers probably support increased taxes on oil and gas companies, regardless of how much they already pay. This being California, many don't want more oil or gas extraction in the state, either.

Just thought I'd throw this out there.

Another Problematic and Inadequate Moving Alternative: Atlas' Smart Move Program

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As someone whose firm has helped over 100,000 customers with shipments less than 2000
lbs, moving from one state to another (interstate moving), I was shocked and surprised to see that one of the nation's leading Van Lines, Atlas, chose to embark on a unique Small Shipment
Program, aptly named, Smart Move.

I can't find anything smart about it.

As the first firm in the nation to actually interact with the Less than Truckload Freight Industry,
Box Brothers simply created a system that allows for small shipments to be transported across state lines, by utilizing the existing infrastructure of the United States Freight system.

At the time, everyone in the moving industry, simply felt that they had nothing in common with the freight industry, as plain and simple, the movers were specialists and the freight guys were just haulers. As is often the case, there has always been more synergy between these two industries than anyone in either industry has admitted.

After all, about 25 years ago, it was a railroad, Norfork Southern, who owned North American Van Lines, and who decided it was foolish to have drop frame trailers, as someone there theorized that if they had equipment and orders but not the right equipment to haul freight, even if they were going in the same direction, they could not capitalize on it, due to the fact that
drop frame trailers were not suitable for palletized freight shipments.

Conceptually, this was not a bad idea, but it never worked and North American Van Lines, never seemed to get up to speed hauling a lot of freight. It could be that the Moving and Storage Industry is sometimes, decentralized with agent drivers and agents, who did not want the freight and of course, there were those who argued that it would be penny wise and pound foolish
to have a van line driver miss a job to load 5000 lbs when the freight firm needed 400 lbs picked up and delivered in a few days--something that the household driver and industry was simply not prepared to work out--then.

So here comes Atlas with this idea to create these heavy duty plastic type containers, similar to what we call a lift van, but much sturdier, and I suspect, as a very high cost. Never mind the carbon footprint so often discussed today.

But then, Atlas did something new in its program, it announced that it would not use the Atlas
over the road fleet to help facilitate the movement of these units, instead, deciding to put the
whole program onto a freight platform, to most likely obtain the benefit of quicker delivery dates than the moving industry can deliver, due to its structure of utilizing owner operators for interstate service.

Of course, the problem here is the same problem with all of the other small shipment solutions
the van lines have come up with in the past, merely addressing the need to offer a small shipment alternative, but with nothing compelling to the customer or nothing that moves the service and price quotient any closer to giving the customer a good and valuable transparent service, which is just what the industry is lacking today.

How does one size fit all a good solution. If you have 200 pounds to move, it will cost over $10.00 a pound just to ship it through their system. How come they can't tell the customer that the coverage they claim to provide to the customer that is included with each shipment,
is bogus. I think you would need to have a spaceship land on your container for you to be able to make a claim, as the whole issue here as with all of these new alternatives, is that the customer, becomes self insured and two, he moves himself, but pays as much as he would for a
full service move and does not have insurance to cover any losses.

This is the crap we get from one of the nations largest van lines. No transparency, no value in pricing and they do not tell anyone that their coverage will not cover the customer for self loading or packed by owner boxes. If this is a do it yourself service, how come they can't just tell you the truth? Why do they need to lie. Do you go to the market and buy fruits and vegetables, do you have to pay for 5 lbs of carrots, if you only want to buy one lb?

How does this help the moving industry, to promote a non transparent and one size fits all service, when the entire industry is about being able to deliver good service for a fair price. In
this day and age of renewed called for more regulation, not less, do we get a service that only promises an 11 day transit, over the freight system.

Maybe someone should tell Atlas and their "Smart Moving" program that Fedex, for example,
will take LTL freight from my dock on Monday, 4/16/12, and have it delivered to someone's
new home by this Friday, in New York, on 4/20/12, with standard freight delivery.

I might be wrong, but when we created our Small Shipment Services Program at Box Brothers, over 20 years ago, we set out to create an environment that leveled the playing field for the
smaller loads and their customers: We gave them certain dates and specific times for our crews
to do the pick ups; we took professional inventories; we packaged their possessions like they were our own, utilizing more and better packaging (air cushioning, void fill, eps foam sheeting, ethafoam for very heavy and breakable items like stone, glass, and statues, piano's, etc, and we boxed everything in customized cartons that were made to fit the item, not the other way around, and finally, palletized the shipment so that the only way that the shipment was moved, was with a forklift or a pallet jack--so that no item would be moved individually.

We also worked to obtain a mutually beneficial insurance program with a third party insured,
who specifically covers all items which need to be declared and valued prior to the move. We offer different deductibles, replacement cost protection and in the event of a claim, 99% of them are closed within 30 days after a formal claim form is submitted by the claimant.

But the biggest factor in our continued success is that we have a top to bottom commitment to the customer and to rendering top quality service, no matter how small the job is. You turn your lemons into lemonade and and you do not mislead your customer, nor do you convince him or her that a one size solution is best for all.

Atlas is a fine van line, one of the best, but I think this program, including suggesting the use of stock boxes, not official moving boxes is also a mistake by Atlas here, as on the one hand, they tell people that dish packs should be used for packing dishes and glasses--the standard for many decades in the moving industry--and they encourage the use of a single wall carton if you do it
yourself. Why?

I just wish that sometimes, large firms do their due diligence correctly, as we seem to forget what we have learned over the years, that we need to be service oriented and we need to provide good solutions for our customers, not something that is only a partial and not a complete
solution for their current and future small shipment customers. At the same time, these efforts only ensure that firms like Box Brothers will continue to play a part in this segment of the industry.

Mother's Day is Coming........

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Just a friendly reminder to all of you that Mother's Day is only 14 days from today, May 13th.
It is very important not to wait till the last minute to ship Mom her gifts, as if you do it early, it
will be less expensive to ship, since we have time this week to ship the presents ground, and not
air, which is a lot more money.

My mother, unfortunately, is no longer alive, but I remember what she often told me in her later years, which, for some reason, still rings true: a mother can take care of 10 kids, but 10 kids cannot take care
of one mother......I think my Mom told me this when I first forgot to get her a mother's day gift.....but
after hearing that statement, I was never late again.

Ask me, one day is not enough to celebrate mothers, as without them, where would be all be......
Happy Mothers Day.

Vote for Box Brothers Reader's Choice Award 2012

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Welcome to the Los Angeles Daily News Reader's Choice Contest!

Some of the worlds best people, places and things are found right in our own community. That is why we are asking our readers to choose their favorites in a number of categories. Please take a moment to complete the survey below.We like to thank you for participating in this year's Reader's Choice Awards. Please provide your e-mail address to register to vote. One ballot per valid e-mail address.



You may log out and come back to finish up at your convenience.
Voting ends Tuesday, JULY 3, 2012

Here Is The Link : http://la-dev.com/ReadersChoice/LADN/index.php?action=displayLogin

Difficulties in Spending Federal Tax Dollars

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Federal Tax Dollars

A Continuing Resolution isn’t the typical subject of water cooler conversations. Since many stories in the news recently have focused on the subject, this is a good opportunity to figure out what it really is and where it comes from.

The President of the United States is responsible for creating a federal budget each fiscal year. After careful planning, he submits his budget request to Congress for approval. From there, it’s divided into 12 sections, known as appropriations bills. Each bill goes to a separate subcommittee in both the House and the Senate with jurisdiction over the content in a particular bill. A vote by Congress is then held on each section.

If all goes well, the final package is approved by both houses of Congress and is sent back to the President for his signature. When a disagreement over one or more provisions occurs, Congress can choose to pass a Continuing Resolution (CR). A CR extends the previous year’s budget into the next year to avoid any gaps in federal services.

A CR is meant to be a temporary measure to continue federal funding until an agreement can be made on the content of the budget. When Congress cannot agree on a budget, and they fail to create a CR to authorize federal spending, all but the most essential services in the impacted federal agencies and programs must shut down when the existing budget expires.

For the recent Continuing Resolution from September 24, 2012, click here.

For the 2013 Federal Budget, click here.

What do you think about the process of operating on a Continuing Resolution when an agreement on a budget can’t be reached?