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Disney's ESPN woes undercut 'Star Wars' gain
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SolarCity shares drop on soft forecast
Apple CEO Cook’s deleted Super Bowl tweet
Google CEO Pichai gets $199 million in stock
What to expect from Whole Foods earnings
Sears warns on sales, to speed up closures

The sad truth of why retirement
is a myth

Burberry sues, says J.C. Penney copied its designs

S.F. real estate looks like it did before dot-com crash
Every major city in the world, in one map

Americans quitting their jobs hit a nine-year high
NFIB survey hints wage gains are fleeting
Job openings are second highest on record

Recipe for less boring Oscar speeches

What to know before buying Beyoncé tickets

How to get mortgage approved: hope for sunny day

Can oil get so cheap that it won’t pay to extract it?
Oil sinks under $29 as EIA lowers price outlook
Barron’s Buzz: How low can the price of oil go?

99 Cent Gas May Be on Its Way
99-cents-a-gallon gas may be on its way: 24/7 Wall St.

Is the gold rally the real deal or ‘fool’s gold’?
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Gold futures stretch win streak to five sessions

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Why the selloff in European banks is ominous

This stock market has been Europe’s best in 2016

Strategists are arguing that stocks need a true purge

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Fed: Too white, too male, too many bankers?
Expansion won’t die of old age: S.F. Fed study

Facebook, Amazon are the keys to tapping this market
French regulator threatens to fine Facebook
India bans Facebook’s free Internet service


Europe’s battles: migrants, ‘Brexit’ and ECB
German output, exports drop in December
Roubini: Welcome to the New Abnormal


This has been the No. 1 car in America for decades
How far can you get on $50 in gas?


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5 Phone Calls You Still Need to Make

“We never talk anymore” is no longer just the refrain of nagging mothers: People are dropping the traditional voice call in favor of texting and messaging. But experts say there are still some phone calls that can’t — or shouldn’t — be avoided.

EdBockStock / Shutterstock.com

Voice minutes are in such decline that wireless carriers are considering switching to unlimited plans to keep revenue up, The Wall Street Journal reports. And data shows they have reason to worry: the average length of a local call has fallen more than 50% over the last decade to around 1.8 minutes, according CTIA-The Wireless Association. The only time certain people bring the phone to their ear may be to avoid talking to those around them, studies show. Some 13% of people in a Pew Research Center survey said they actually pretend to be on their phones in order to avoid “unwanted personal interactions.” “Nobody calls me anymore,” says Vicky Oliver, social commentator and author of The Millionaire’s Handbook. “Honestly, these days I’m sometimes happy to get calls from telemarketers.”

Instead, adults have joined the ranks of teenagers and now let their thumbs do the talking. One-in-three Americans said they’d rather text than call, according to a 2011 study by Pew Research Center. In fact, the survey found that Americans send an average of 41 texts a day – with those aged 19-25 sending an average of 110 texts a day. Wolfgang Luckmann, a Yulee, Fla.-based acupuncturist, treats patients with “thenar tendinitis,” an inflammation of tissues in the thumb mainly due to incessant texting: “In the old days, people had neck spasms from talking on the phone. Now, they’re getting this.”

Some experts say it’s often in our psychological, social or financial interest to make an old fashioned call. Social networks have taken the small talk out of conversations, says Todd Day, industry analyst for Frost & Sullivan. But sometimes the mouth is mightier than the thumb. People used to deliver good news by phone, Day says. These days, they’re just as likely to brag about their kids in a Facebook status update. Why? It reaches people and it’s less time-consuming, he says. That said, regular phone calls sometimes save time. “In a four-minute conversation you can resolve a problem, save your time and your thumbs,” says Susan RoAne, author of “Face to Face: How to Reclaim the Personal Touch in a Digital World.”

Emergency calls to 911 aside, here are five scenarios when it’s still better to pick up the phone.

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      The Legacy V: Tiger’s Eye (Chapter Two) -4
      Jeret Seth placed his palm on the scanner and waited. He felt the warmth of the reader’s light pass beneath it and with a heavy clunk the isomorphic computer released the locking mechanism on the door. As the door vanished into thin air, Seth stepped through and into the hexagonal chamber he had had specially built at the heart of his villa.
      Various machines lined the three of the walls and a workbench nestled against another, circuit boards and partially constructed devices lying abandoned on its surface. Beside the door was a panel of screens and computers in front of which rested a high-backed chair. Seth settled himself into its comfortable seat as the door re-appeared, closing him off from any interruptions.
      Although he knew that Askari would get him results, what he didn’t know was how long it would take the Yahanan to deliver. So he had come to his inner sanctum to run a few enquiries of his own. Over the years he had amassed a great deal of technology and had been able to augment it with the technology he used to know so well.
      His fingers darted over the buttons and switches on the panel before him as he programmed in the search parameters that would locate his precious emphazine. He reprimanded himself for not doing this earlier, but when the first shipment had gone missing he had thought it a co-incidence. If only Oscar Wilde has been his assistant instead of Askari…
      With a final flow of fingertips across the controls, Seth set the programme in motion and waited as it performed his search. Long ago he had hacked into the defensive, surveillance and communications satellites of this hated dust ball in order for him to establish whether it sustained the ingredients he would need for the first leg of his journey home. Now they would perform a similar function, scanning the surface for the unique signature the drug gave off.
      A map of Yahanis appeared on the main screen as digitally produced graphs fluctuated on smaller displays beside it. A large green dot appeared centred over the crater of Dar-Es-Buraq and, he noted, a much smaller yellow one out beyond Bin-El-Mabuul. Seth was puzzled. The search should have been far more accurate than that. The dot should have been a mere pin-prick. He adjusted the map and it zoomed in on the metropolis. To his astonishment green dots appeared all over the city along with three further yellow ones.
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      Seth gasped. ‘Confirm last two hypotheses.’
      ‘Confirmed.’
      Time travellers! It was scarcely possible to believe. Seth jumped from his seat. ‘Maintain current trace and transfer co-ordinates of nearest yellow subject to main computer. Update at five-minute intervals. And open the door!’ As before, an opening formed in the wall beside the console and Seth stepped through. All he had to do was find this “yellow” and his life would never be the same again.
      Nick had finally made it to Buliseye HQ. It had taken him much longer than Orsah had said it would, but then she probably didn’t time the journey with a buggered foot. Still, he had stopped off momentarily to buy a couple of baps. This only made him think of Alf and the danger she could be in. This place had better be able to reveal the Doctor’s whereabouts or he was royally screwed.
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      Nick’s eyes narrowed. ‘Yeah,’ he said. ‘I thought you were my friend. I was evidently wrong.’
      ‘Come Hakim, we must get you, ah, home,’ said the fat Yahanan.
      ‘That’s it!’ exclaimed Nick. ‘Hakim. Yes! And I’m Nathan. Remember, Hakim? And Alice? You’re other friend, Alice? Well, she’s in trouble and she needs our help!’ This was worse than dealing with those children.
      The Yahanan snorted. ‘Do you know this person, Hakim?’ he asked.
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      1 | 2 | 3 | 4 | 5 |

    • like Bobby said I am shocked that a person can profit $8653 in 4 weeks on the internet. have you read this link (Click on menu Home more information)

    • Some phone calls you should really make:

      To the cable company — my bill is too high and I need to figure out how to cut it. More than likely you’ll end up with a discount.

      To the insurance company — my bill is too high and I need to either cut it or switch to a lower cost insurer. Good chance they’ll magically find some discounts for you.

      To the car dealer (if you are looking for a new car), after having walked out of the dealership the day before because you just couldn’t justify the price. “I’m still interested but the price is higher than I need it to be. What can you do?”

      To the credit card company. The annual fees are killing me; what can you do? (a bit of a longer shot, but worth the try)

      To Mom, so you can tell her how you saved all that money with just a few phone calls.

      In this down economy, buyers have all the leverage. Take advantage of it while you can.

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MarketWatch - Stock Market Quotes, Business News, Financial News
Bulletin
Investor Alert

Tokyo Markets Close in:

need to know
Disney's ESPN woes undercut 'Star Wars' gain
Pinterest hires Google exec as new ad chief
U.S. stocks end flat as oil continues to slide
SolarCity shares drop on soft forecast
Apple CEO Cook’s deleted Super Bowl tweet
Google CEO Pichai gets $199 million in stock
What to expect from Whole Foods earnings
Sears warns on sales, to speed up closures

The sad truth of why retirement
is a myth

Burberry sues, says J.C. Penney copied its designs

S.F. real estate looks like it did before dot-com crash
Every major city in the world, in one map

Americans quitting their jobs hit a nine-year high
NFIB survey hints wage gains are fleeting
Job openings are second highest on record

Recipe for less boring Oscar speeches

What to know before buying Beyoncé tickets

How to get mortgage approved: hope for sunny day

Can oil get so cheap that it won’t pay to extract it?
Oil sinks under $29 as EIA lowers price outlook
Barron’s Buzz: How low can the price of oil go?

99 Cent Gas May Be on Its Way
99-cents-a-gallon gas may be on its way: 24/7 Wall St.

Is the gold rally the real deal or ‘fool’s gold’?
Teen can keep $20,000 gold bar found in lake
Gold one of Wall Street’s best bets early in 2016
Gold futures stretch win streak to five sessions

Why is everyone freaking out about ‘CoCos’?
Convertible bonds are alluring as stocks fall
 
Deutsche Bank co-CEO says bank is ‘rock solid’
Deutsche may buy back billions in debt: FT
Why the selloff in European banks is ominous

This stock market has been Europe’s best in 2016

Strategists are arguing that stocks need a true purge

A strand of Lennon’s hair is selling for $12,000

White House forecasts decade-best economic growth
Obama proposes $4.1 trillion federal budget

Five questions that Janet Yellen must answer
Yellen may say goal is not to slow the economy
Fed: Too white, too male, too many bankers?
Expansion won’t die of old age: S.F. Fed study

Facebook, Amazon are the keys to tapping this market
French regulator threatens to fine Facebook
India bans Facebook’s free Internet service


Europe’s battles: migrants, ‘Brexit’ and ECB
German output, exports drop in December
Roubini: Welcome to the New Abnormal


This has been the No. 1 car in America for decades
How far can you get on $50 in gas?


/conga/frontpage.html 367529

Markets »

127.74MDow Volume:
Avg Vol: 130.29M
Unchanged
156
Decliners
4273
Advancers
2073
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,014 -13 0.08%
Nasdaq
/quotes/zigman/12633936/realtime 4,269 -15 0.35%
S&P 500
/quotes/zigman/3870025/realtime 1,852 -1 0.07%
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/quotes/zigman/629063/realtime 2,077 -7 0.36%
Gold
/quotes/zigman/33772884/delayed 1,191 -8 0.66%
Oil
/quotes/zigman/2260836/delayed 28.48 +0.54 1.93%
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/quotes/zigman/3173262/delayed 5,632 -57 1.00%
DAX
/quotes/zigman/2380246/delayed 8,879 -100 1.11%
CAC 40
/quotes/zigman/3173214/delayed 3,998 -69 1.69%
FTSE MIB
/quotes/zigman/1482176/delayed 15,913 -528 3.21%
IBEX 35
/quotes/zigman/2759620/delayed 7,928 -195 2.39%
Stoxx 600
/quotes/zigman/2380150/delayed 309 -5 1.58%
Asia Dow
/quotes/zigman/6959860/realtime 2,449 -21 0.86%
Nikkei 225
/quotes/zigman/5986735/delayed 15,686 -399 2.48%
Hang Seng
/quotes/zigman/2622475/delayed 19,288 +105 0.55%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 23,863 -158 0.66%
Singapore
/quotes/zigman/1709939/delayed 2,573 -50 1.90%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 +0.00 0.03%
Yen
/quotes/zigman/16008150/realtime/sampled 114.49 -0.63 0.54%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 0.00 0.01%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 0.00 0.28%
DXY Index
/quotes/zigman/1652083/delayed 96.02 -0.04 0.04%
WSJ $ Idx
/quotes/zigman/41508961/realtime 89.21 -0.07 0.08%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.71 -0.02 1.04%
German 10y
/quotes/zigman/15866409/realtime 0.24 0.00 0.00%
Italy 10yr
/quotes/zigman/15866497/realtime 1.68 0.00 0.00%
Spain 10yr
/quotes/zigman/15866444/realtime 1.79 0.00 0.00%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.42 0.00 0.00%
Japan 10yr
/quotes/zigman/15866525/realtime 0.01 +0.03 149.78%
Crude Oil
/quotes/zigman/2260836/delayed 28 +1 1.93%
Gold
/quotes/zigman/33772884/delayed 1,191 -8 0.66%
Corn
/quotes/zigman/25518691/delayed 361 0 0.07%
DJIA F
/quotes/zigman/48241424/delayed 15,907 -52 0.33%
S&P F
/quotes/zigman/43106711/delayed 1,844 -5 0.24%
Silver
/quotes/zigman/32655632/delayed 15 0 1.35%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 99.54 -0.21 -0.21%
AAPL /quotes/zigman/68270/composite 94.99 -0.02 -0.02%
GOOG /quotes/zigman/59527964/composite 678.11 -4.63 -0.68%
BAC /quotes/zigman/190927/composite 12.20 -0.07 -0.57%
C /quotes/zigman/5065548/composite 37.51 -0.30 -0.79%
F /quotes/zigman/264304/composite 11.35 -0.24 -2.07%
T /quotes/zigman/398198/composite 36.65 -0.46 -1.24%
BP /quotes/zigman/247026/composite 28.95 -0.97 -3.24%
GE /quotes/zigman/227468/composite 28.28 0.11 0.39%
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Rates »

5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
0.5%
MMA $10K+
0.2%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.96% 11.88% 11.62%
Business 13.12% 13.11% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.30% 14.12%
Airline 15.17% 15.16% 15.10%
Cash Back 15.26% 15.23% 15.27%
Reward 15.28% 15.25% 15.14%
Instant Approval 18.21% 18.18% 18.00%
Bad Credit 22.88% 22.88% 22.73%
Source:CreditCards.com

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