http://hypoventurecapital-financialideas.com/
Knowing often helps students to avoid student loan debt – Some tips
There are very few college students who lead a disciplined financial life in the US and this is the reason for the spurring student loan debt level, both in the form of installment loans and revolving credit card debt. Not many of them still comprehend the difference between needs and wants and therefore they spend their allowances and income on things that they can easily do without. According to a research by the Administrative Office of the US Courts, a large number of personal bankruptcies have been filed by those who don’t even know the basics of personal finance management. The students become gradually dependent on the non profit debt consolidation programs companies and end up wasting their dollars on something that they could possibly do on their own. Have a look at some personal finance tips for the students.
1. Take credit cards only when you need them:
Owning credit cards isn’t something that you can brag about in your next friendly gathering. Credit cards are used during a necessity and not during every little purchase that you make. You should only go for a credit card when you feel that you really want it. Credit cards should only be taken when you have the affordability to repay the amount.
2. Read the credit card agreement:
Before you sign the papers with a credit card company, make sure you’ve read all the terms and conditions of the card so that you don’t take wrong decisions due to ignorance. Only when the terms of the credit card seem to e affordable, you should accept it as you can be harassed by the creditors if you don’t pay the installments on time.
3. Shop around before taking loans:
You must make a comprehensive market research of all the lenders and then choose the student loans and the credit cards. You must be aware of the fact that private student loans carry higher rates than their federal counterparts and therefore, reading all the conditions of the student loans is a necessity. Nothing can be worse if you have to fall back on the monthly credit card payments for paying the student loan on time or the other way round.
4. Manage your personal finances:
As students, you have to be very careful about your credit score as the employers will check your score before hiring you with their organization. If you show them a poor credit score, it is most likely that they may accept someone else in your place. Therefore, follow a budget and prioritize your payments so as to diminish the effect on your score.Knowing often empowers a student and assists him in taking the right decisions about his finances. You should initially educate yourself on all the pros and cons of taking out student loans and falling in credit card debt and then take the plunge. Don’t refrain from taking help of the non-profit debt consolidation firms if you can’t tackle your debts on your own
Tuesday, 14 February 2012
Hypo Venture Capital Headlines: Chinese Accused of Stealing Trade Secrets
http://hypoventurecapital-financialideas.com/
(CN)- A grand jury in San Francisco indicted five individuals and five companies on charges of economic espionage and theft of trade secrets for their roles in a sustained effort to steal an American chemical technology for companies controlled by the Chinese government, the Justice Department announced Wednesday.
The indictment alleges Pangang Group, among others, conspired with Walter Liew and Christina Liew of Orinda, Calif., to steal secrets on how to manufacture chloride-route titanium oxide (TiO2), a white pigment that is used to whiten products ranging from paint to plastics to paper.
Prosecutors say Wilmington, Del.-based DuPont invented the chloride-route process for manufacturing TiO2 in the late-1940s and since then has invested heavily in research and development to improve that production process. The global titanium dioxide market has been valued at $12 billion, and DuPont has the largest share of that market.
DuPont told the FBI that its TiO2 trade secrets had been misappropriated, resulting in an investigation beginning in March 2011.
The indictment says the Pangang Group companies were aided by individuals in the United States who had obtained TiO2 trade secrets and were willing to sell for significant sums of money. It says defendants Walter Liew, Christina Liew, Robert Maegerle and Tze Chao obtained and possessed TiO2 trade secrets belonging to DuPont. Each of these individuals allegedly sold the information to the Pangang Group companies so they could develop large-scale chloride route TiO2 production capability in China, including a 100,000 ton TiO2 factory at Chongqing.
According to prosecutors the Liews, USA Performance Technology Inc., and one of its predecessor companies, Performance Group, entered into contracts worth in excess of $20 million to convey the trade secret technology to Pangang Group companies. The Liews allegedly received millions of dollars from these contracts, proceeds that were wired through the United States, Singapore and ultimately back into several bank accounts in China in the names of relatives of Christina Liew.
In a written statement, Assistant Attorney General Lisa Monaco said, “The theft of America’s trade secrets for the benefit of China and other nations poses a substantial and continuing threat to our economic and national security, and we are committed to holding accountable anyone who robs American businesses of their hard-earned research.”
Each of the five corporate defendants named in the superseding indictment are charged with conspiracy to commit economic espionage, conspiracy to commit theft of trade secrets and attempted economic espionage.
The defendants are scheduled to be arraigned on March 1.
If convicted, penalties on most of the individual counts range from 10 to 15 years in prison and fines of $250,000 to $500,000 per count; Organizational defendants face fines of $5 million to $10 million per count, or an amount of twice the pecuniary gain or loss from their actions.
The penalty for two of the counts, tampering with witnesses and tampering with evidence, is potentially 20 years in prison.
(CN)- A grand jury in San Francisco indicted five individuals and five companies on charges of economic espionage and theft of trade secrets for their roles in a sustained effort to steal an American chemical technology for companies controlled by the Chinese government, the Justice Department announced Wednesday.
The indictment alleges Pangang Group, among others, conspired with Walter Liew and Christina Liew of Orinda, Calif., to steal secrets on how to manufacture chloride-route titanium oxide (TiO2), a white pigment that is used to whiten products ranging from paint to plastics to paper.
Prosecutors say Wilmington, Del.-based DuPont invented the chloride-route process for manufacturing TiO2 in the late-1940s and since then has invested heavily in research and development to improve that production process. The global titanium dioxide market has been valued at $12 billion, and DuPont has the largest share of that market.
DuPont told the FBI that its TiO2 trade secrets had been misappropriated, resulting in an investigation beginning in March 2011.
The indictment says the Pangang Group companies were aided by individuals in the United States who had obtained TiO2 trade secrets and were willing to sell for significant sums of money. It says defendants Walter Liew, Christina Liew, Robert Maegerle and Tze Chao obtained and possessed TiO2 trade secrets belonging to DuPont. Each of these individuals allegedly sold the information to the Pangang Group companies so they could develop large-scale chloride route TiO2 production capability in China, including a 100,000 ton TiO2 factory at Chongqing.
According to prosecutors the Liews, USA Performance Technology Inc., and one of its predecessor companies, Performance Group, entered into contracts worth in excess of $20 million to convey the trade secret technology to Pangang Group companies. The Liews allegedly received millions of dollars from these contracts, proceeds that were wired through the United States, Singapore and ultimately back into several bank accounts in China in the names of relatives of Christina Liew.
In a written statement, Assistant Attorney General Lisa Monaco said, “The theft of America’s trade secrets for the benefit of China and other nations poses a substantial and continuing threat to our economic and national security, and we are committed to holding accountable anyone who robs American businesses of their hard-earned research.”
Each of the five corporate defendants named in the superseding indictment are charged with conspiracy to commit economic espionage, conspiracy to commit theft of trade secrets and attempted economic espionage.
The defendants are scheduled to be arraigned on March 1.
If convicted, penalties on most of the individual counts range from 10 to 15 years in prison and fines of $250,000 to $500,000 per count; Organizational defendants face fines of $5 million to $10 million per count, or an amount of twice the pecuniary gain or loss from their actions.
The penalty for two of the counts, tampering with witnesses and tampering with evidence, is potentially 20 years in prison.
Hypo Venture Capital Headlines: Chinese Accused of Stealing Trade Secrets
http://hypoventurecapital-financialideas.com/
(CN)- A grand jury in San Francisco indicted five individuals and five companies on charges of economic espionage and theft of trade secrets for their roles in a sustained effort to steal an American chemical technology for companies controlled by the Chinese government, the Justice Department announced Wednesday.
The indictment alleges Pangang Group, among others, conspired with Walter Liew and Christina Liew of Orinda, Calif., to steal secrets on how to manufacture chloride-route titanium oxide (TiO2), a white pigment that is used to whiten products ranging from paint to plastics to paper.
Prosecutors say Wilmington, Del.-based DuPont invented the chloride-route process for manufacturing TiO2 in the late-1940s and since then has invested heavily in research and development to improve that production process. The global titanium dioxide market has been valued at $12 billion, and DuPont has the largest share of that market.
DuPont told the FBI that its TiO2 trade secrets had been misappropriated, resulting in an investigation beginning in March 2011.
The indictment says the Pangang Group companies were aided by individuals in the United States who had obtained TiO2 trade secrets and were willing to sell for significant sums of money. It says defendants Walter Liew, Christina Liew, Robert Maegerle and Tze Chao obtained and possessed TiO2 trade secrets belonging to DuPont. Each of these individuals allegedly sold the information to the Pangang Group companies so they could develop large-scale chloride route TiO2 production capability in China, including a 100,000 ton TiO2 factory at Chongqing.
According to prosecutors the Liews, USA Performance Technology Inc., and one of its predecessor companies, Performance Group, entered into contracts worth in excess of $20 million to convey the trade secret technology to Pangang Group companies. The Liews allegedly received millions of dollars from these contracts, proceeds that were wired through the United States, Singapore and ultimately back into several bank accounts in China in the names of relatives of Christina Liew.
In a written statement, Assistant Attorney General Lisa Monaco said, “The theft of America’s trade secrets for the benefit of China and other nations poses a substantial and continuing threat to our economic and national security, and we are committed to holding accountable anyone who robs American businesses of their hard-earned research.”
Each of the five corporate defendants named in the superseding indictment are charged with conspiracy to commit economic espionage, conspiracy to commit theft of trade secrets and attempted economic espionage.
The defendants are scheduled to be arraigned on March 1.
If convicted, penalties on most of the individual counts range from 10 to 15 years in prison and fines of $250,000 to $500,000 per count; Organizational defendants face fines of $5 million to $10 million per count, or an amount of twice the pecuniary gain or loss from their actions.
The penalty for two of the counts, tampering with witnesses and tampering with evidence, is potentially 20 years in prison.
(CN)- A grand jury in San Francisco indicted five individuals and five companies on charges of economic espionage and theft of trade secrets for their roles in a sustained effort to steal an American chemical technology for companies controlled by the Chinese government, the Justice Department announced Wednesday.
The indictment alleges Pangang Group, among others, conspired with Walter Liew and Christina Liew of Orinda, Calif., to steal secrets on how to manufacture chloride-route titanium oxide (TiO2), a white pigment that is used to whiten products ranging from paint to plastics to paper.
Prosecutors say Wilmington, Del.-based DuPont invented the chloride-route process for manufacturing TiO2 in the late-1940s and since then has invested heavily in research and development to improve that production process. The global titanium dioxide market has been valued at $12 billion, and DuPont has the largest share of that market.
DuPont told the FBI that its TiO2 trade secrets had been misappropriated, resulting in an investigation beginning in March 2011.
The indictment says the Pangang Group companies were aided by individuals in the United States who had obtained TiO2 trade secrets and were willing to sell for significant sums of money. It says defendants Walter Liew, Christina Liew, Robert Maegerle and Tze Chao obtained and possessed TiO2 trade secrets belonging to DuPont. Each of these individuals allegedly sold the information to the Pangang Group companies so they could develop large-scale chloride route TiO2 production capability in China, including a 100,000 ton TiO2 factory at Chongqing.
According to prosecutors the Liews, USA Performance Technology Inc., and one of its predecessor companies, Performance Group, entered into contracts worth in excess of $20 million to convey the trade secret technology to Pangang Group companies. The Liews allegedly received millions of dollars from these contracts, proceeds that were wired through the United States, Singapore and ultimately back into several bank accounts in China in the names of relatives of Christina Liew.
In a written statement, Assistant Attorney General Lisa Monaco said, “The theft of America’s trade secrets for the benefit of China and other nations poses a substantial and continuing threat to our economic and national security, and we are committed to holding accountable anyone who robs American businesses of their hard-earned research.”
Each of the five corporate defendants named in the superseding indictment are charged with conspiracy to commit economic espionage, conspiracy to commit theft of trade secrets and attempted economic espionage.
The defendants are scheduled to be arraigned on March 1.
If convicted, penalties on most of the individual counts range from 10 to 15 years in prison and fines of $250,000 to $500,000 per count; Organizational defendants face fines of $5 million to $10 million per count, or an amount of twice the pecuniary gain or loss from their actions.
The penalty for two of the counts, tampering with witnesses and tampering with evidence, is potentially 20 years in prison.
Hypo Venture Capital Zurich Headlines: Taliban Releases Disturbing Video Showing Horrific Group Execution (Tvinx :: News)
http://www.tvinx.com/hypo_venture_capital_zurich_headlines_taliban_releases_disturbing_video_showing_horrific_group_execution.news.19630.en
The notorious Taliban terror group has released a video Monday showing them brutally executing 16 Pakistani men who were captured in a raid last month. The Taliban has claimed that the men were responsible for the deaths of six children in the Pakistan area. The disturbing video shows the 16 men standing in a line with their hands tied behind their backs while four rebels stand in front them holding assault rifles with scarves hiding their identities.
As the 16 men stand timidly, one insurgent gives a speech before the shooting begins. The speech which was given in a Pakistani dialect was translated by The Long War Journal, a website that specializes in reports on militancy. The insurgent states, “These are the enemies of Islamwho originated from Pakistan…They are the Pakistani police, soldiers, and their supporters who recently lined up six kids in Swat and shot them execution-style… These Pakistanis are now our captives, and we will avenge the death of the children by doing the same to them.”
A video also surfaced last year showing men in Pakistani military uniforms killing six young men, but the Pakistani military denied the video’s authenticity. As the Pakistan military continues to fight with insurgent groups, unrest and terror continue to bring bloodshed to the region.
Pakistani officials reported last month that hundreds of Taliban insurgents had crossed the border ofAfghanistan and attacked police precincts in Barawal, a village located in Shaltalo area of Dir. At least 28 Pakistani paramilitary soldiers were reportedly killed in two days of fighting there, while at least 45 Taliban fighters were killed.
Pakistan has asked for Afghan and US military assistance in the fight against the Taliban rebels.
The notorious Taliban terror group has released a video Monday showing them brutally executing 16 Pakistani men who were captured in a raid last month. The Taliban has claimed that the men were responsible for the deaths of six children in the Pakistan area. The disturbing video shows the 16 men standing in a line with their hands tied behind their backs while four rebels stand in front them holding assault rifles with scarves hiding their identities.
As the 16 men stand timidly, one insurgent gives a speech before the shooting begins. The speech which was given in a Pakistani dialect was translated by The Long War Journal, a website that specializes in reports on militancy. The insurgent states, “These are the enemies of Islamwho originated from Pakistan…They are the Pakistani police, soldiers, and their supporters who recently lined up six kids in Swat and shot them execution-style… These Pakistanis are now our captives, and we will avenge the death of the children by doing the same to them.”
A video also surfaced last year showing men in Pakistani military uniforms killing six young men, but the Pakistani military denied the video’s authenticity. As the Pakistan military continues to fight with insurgent groups, unrest and terror continue to bring bloodshed to the region.
Pakistani officials reported last month that hundreds of Taliban insurgents had crossed the border ofAfghanistan and attacked police precincts in Barawal, a village located in Shaltalo area of Dir. At least 28 Pakistani paramilitary soldiers were reportedly killed in two days of fighting there, while at least 45 Taliban fighters were killed.
Pakistan has asked for Afghan and US military assistance in the fight against the Taliban rebels.
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