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need to know
Burger King to sell hot dogs starting Feb. 23
What to expect from Whole Foods earnings
US Foods files to go public
Salesforce CEO takes stake in Fitbit
U.S. government runs $55 billion budget surplus

Tesla earnings: Model 3 spending, Model X sales in focus
Tesla earnings: Model 3 spending, Model X

Twitter reports after the bell — what to look for
The Twitter signal that’s giving investors hope
Facebook, Amazon are the keys to this market
Tech money makers can’t make up for losers

What Apple, Amazon and Starbucks have in common

Portland Trail Blazers guards Damian Lillard and C.J. McCollum live with ... mom
Meet the NBA stars who live with their mothers

Musician Lenny Kravitz owned the 19th-century Creole cottage in the French Quarter of New Orleans from 1994 to 2012. It's now back on the market at $1.16 million.

RE/Max N.O. Properties/Mansion Global
A bona fide celebrity abode — believe it or not
London house of the week has spiritual side
S.F. real estate looked like this in 2000, too
San Diego prices sending buyers northward
Location Scouts: Insider intel from top markets

A break for zombie-fighting Amazon developers

REIT bonus targets at heart of Brixmor scandal

Burberry sues, says J.C. Penney copied its designs
NRF expects retail sales to grow 3.1% in 2016

10 essential money questions to ask yourself today

Feds have removed a roadblock to driverless cars

Recipe for less boring Oscar acceptance speeches
Is James Bond’s Pinewood Studios for sale?

Why is everyone freaking out about ‘CoCos’?

If you’re bullish on oil, Chevron and Exxon are buys here
If you’re bullish on oil, these stocks are buys

Social Security in the crosshairs: replacement rates again
Stage is being set for cuts to Social Security

Tricky tax issues you should know about this year

Supreme Court halts Obama’s emissions plan
White House forecasts best growth in years
Obama proposes $4.1 trillion federal budget

Why you should consider retiring abroad
Finding the best places to retire abroad
Expat retirees: How life has turned out

Is it wise to hold on to cash reserves?


IRS says identity thieves breached its systems
How to know if your tax preparer is a crook
Tax software firm warns of data breach
White House's lesson about online security

The 6 Most Shorted NYSE Stocks: Short Sellers Pile on Alcoa, Freeport-McMoRan Again
Short sellers pile on Alcoa, Freeport-McMoRan
24/7 Wall St.: Short sellers retreat from Nasdaq

Cheap oil may make OPEC dominant again
Existential threat to Russians and Saudis: Lynn

Will oil get so cheap, it won’t pay to extract it?


/conga/frontpage.html 367615

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72.78MDow Volume:
Avg Vol: 130.29M
Unchanged
148
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2276
Advancers
4003
Price Chg %Chg 1 Day
Range: 1 Day
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  • 1 Month
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Dow
/quotes/zigman/627449/realtime 16,014 0 0.00%
Nasdaq
/quotes/zigman/12633936/realtime 4,316 +48 1.12%
S&P 500
/quotes/zigman/3870025/realtime 1,864 +12 0.62%
GlobalDow
/quotes/zigman/629063/realtime 2,092 +8 0.36%
Gold
/quotes/zigman/33772884/delayed 1,193 -6 0.47%
Oil
/quotes/zigman/2260836/delayed 27.69 -0.25 0.89%
FTSE 100
/quotes/zigman/3173262/delayed 5,672 +40 0.71%
DAX
/quotes/zigman/2380246/delayed 9,017 +138 1.55%
CAC 40
/quotes/zigman/3173214/delayed 4,061 +64 1.59%
FTSE MIB
/quotes/zigman/1482176/delayed 16,714 +801 5.03%
IBEX 35
/quotes/zigman/2759620/delayed 8,144 +216 2.73%
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/quotes/zigman/2380150/delayed 315 +6 1.87%
Asia Dow
/quotes/zigman/6959860/realtime 2,454 -17 0.69%
Nikkei 225
/quotes/zigman/5986735/delayed 15,713 -372 2.31%
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 23,759 -262 1.09%
Singapore
/quotes/zigman/1709939/delayed 2,582 -41 1.57%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 0.00 0.18%
Yen
/quotes/zigman/16008150/realtime/sampled 113.77 -1.35 1.17%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 +0.01 0.40%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 +0.00 0.52%
DXY Index
/quotes/zigman/1652083/delayed 95.97 -0.08 0.09%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.97 -0.31 0.35%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.71 -0.02 1.14%
German 10y
/quotes/zigman/15866409/realtime 0.24 +0.01 2.52%
Italy 10yr
/quotes/zigman/15866497/realtime 1.64 -0.04 2.37%
Spain 10yr
/quotes/zigman/15866444/realtime 1.72 -0.06 3.62%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.42 +0.00 0.13%
Japan 10yr
/quotes/zigman/15866525/realtime 0.01 +0.04 165.64%
Crude Oil
/quotes/zigman/2260836/delayed 28 0 0.89%
Gold
/quotes/zigman/33772884/delayed 1,193 -6 0.47%
Corn
/quotes/zigman/25518691/delayed 360 -1 0.21%
DJIA F
/quotes/zigman/48241424/delayed 15,955 -4 0.03%
S&P F
/quotes/zigman/43106711/delayed 1,859 +11 0.58%
Silver
/quotes/zigman/32655632/delayed 15 0 1.26%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 102.10 2.56 2.57%
AAPL /quotes/zigman/68270/composite 95.01 0.02 0.02%
GOOG /quotes/zigman/59527964/composite 688.15 10.04 1.48%
BAC /quotes/zigman/190927/composite 12.10 -0.10 -0.82%
C /quotes/zigman/5065548/composite 37.82 0.31 0.83%
F /quotes/zigman/264304/composite 11.37 0.02 0.18%
T /quotes/zigman/398198/composite 36.53 -0.12 -0.33%
BP /quotes/zigman/247026/composite 28.11 -0.24 -0.85%
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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% 11.96% 11.62%
Business 13.12% 13.12% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.35% 14.12%
Airline 15.17% 15.17% 15.10%
Cash Back 15.20% 15.26% 15.27%
Reward 15.25% 15.28% 15.14%
Instant Approval 18.02% 18.21% 18.00%
Bad Credit 22.56% 22.88% 22.73%
Source:CreditCards.com

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Who Inherits Your iTunes Library?

Many of us will accumulate vast libraries of digital books and music over the course of our lifetimes, but when we die, our collections of words and music may expire with us.

Getty Images

Someone who owned 10,000 hardcover books and the same number of vinyl records could bequeath them to descendants, but legal experts say passing on iTunes and Kindle libraries would be much more complicated. And one’s heirs stand to lose huge sums of money. “I find it hard to imagine a situation where a family would be okay with losing a collection of 10,000 books and songs,” says Evan Carroll, co-author of “Your Digital Afterlife.” “Legally dividing one account among several heirs would also be extremely difficult.”

Part of the problem is that with digital content, one doesn’t have the same rights as with print books and CDs. Customers own a license to use the digital files – but they don’t actually own them. Apple and Amazon grant “nontransferable” rights to use content, so if you buy the complete works of the Beatles on iTunes, you cannot give the White Album to your son and Abbey Road to your daughter. Amazon’s states: “You do not acquire any ownership rights in the software or music content.” Apple limits the use of digital files to Apple devices used by the account holder. “That account is an asset and something of value,” says Deirdre R. Wheatley-Liss, an estate planning attorney at Fein, Such, Kahn & Shepard in Parsippany, N.J. But can it be passed on to one’s heirs?

Most digital content exists in a legal black hole. “The law is light years away from catching up with the types of assets we have in the 21st Century,” says Wheatley-Liss. In recent years, Rhode Island, Indiana, Oklahoma and Idaho passed laws to allow executors and relatives access to email and social networking accounts of those who’ve passed away — but they don’t cover digital files purchased. (Apple and Amazon did not respond to requests for comment.)

There are still few legal and practical ways to inherit e-books and digital music, experts say. And at least one lawyer has a plan to capitalize on what may become be a burgeoning market. David Goldman, a lawyer in Jacksonville, says he will next month launch software, DapTrust, to help estate planners create a legal trust for their clients’ online accounts that hold music, e-books and movies. “With traditional estate planning and wills, there’s no way to give the right to someone to access this kind of information after you’re gone,” he says.

Here’s how it works: Goldman will sell his software for $150 directly to estate planners to store and manage digital accounts and passwords. And, while there are other online safe-deposit boxes like AssetLock and ExecutorSource that already do that, Goldman says his software contains instructions to create a legal trust for accounts. “Having access to digital content and having the legal right to use it are two totally different things,” he says.

The simpler alternative is to just use your loved one’s devices and accounts after they’re gone — as long as you have the right passwords. Chester Jankowski, a New York-based technology consultant, says he’d look for a way to get around the licensing code written into his 15,000 digital files. “Anyone who was tech-savvy could probably find a way to transfer those files onto their computer – without ending up in Guantanamo,” he says. But experts say there should be an easier solution, and a way such content can be transferred to another’s account or divided between several people.“We need to reform and update intellectual-property law,” says Dazza Greenwood, lecturer and researcher at Massachusetts Institute of Technology’s Media Lab.

Technology pros say the need for such reform is only going to become more pressing. U.S. consumers spend nearly $30 on e-books and MP3 files every month, or $360 a year, according to e-commerce company Bango. And experts expect this to surge. “A significant portion of our assets is now digital,” Carroll says. Apple alone has sold 300 million iPods and 84 million iPads since their launches. Amazon doesn’t release sales figures for the Kindle Fire, but analysts estimate it has nearly a quarter of the U.S. tablet market.

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    • By WebOsPublisher

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    • By WebOsPublisher

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      Icon Constructor – advanced icon creator 3.54Icon Constructor converts BMP, JPEG, GIF, PNG, PSD, TGA, TIFF formats into icons
      Icon Constructor is an advanced icon creator, it converts all image formats into Windows icons. It supports Windows XP icons in 32-bit color depth with an alpha channel. This robust program works like the Swiss Army knife of icon creation!
      Publisher:………… Icon ConstructorLicense:…………… SharewarePrice:………………. $29.95Expire: ……………. 14File size:………….. 4.39 MBDownloads:……… 186Release date:…… 19 Jul 2007Last update:…….. 21 Aug 2011Language:………… English, French, German, Russian Tweet
      Publisher review for Icon Constructor – advanced icon creator 3.54:
      Review by: Icon ConstructorIcon Constructor converts BMP, JPEG, GIF, PNG, PSD, TGA and TIFF formats into Windows icons. You can find many images on the Internet and convert them to icons for use on your Windows desktop, in applications and much more. It supports Windows XP icons in 32-bit color depth with an alpha channel; now you can create semi-transparent XP icons easily. With just a few clicks, any image you find on the Internet or create in a paint program can be turned into an icon.
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    • I don’t agree that schools are slleoy to blame for poorly educated kids. I also don’t believe the teacher’s unions are slleoy to blame either.However, I would agree that the unions are not part of the solution.Clearly, improvements need to be made. And I think a major step toward improvement would be for the unions to stop being a part of the decision process. They have an inherent conflict of interest where they exist to bargain for teachers. The schools exist, however, to educate kids. And the last time I checked, the kids had no union.

    • Benetracker.com says they solve this whole issue. I signed up but not sure when they launch. Excited though!

    • I’m going to agree with most of the people here. Just don’t buy (or license) music with DRM. Back up everything you have on DVD and give it whoever you want when you die – or give it to them now for that matter. Just don’t share your collection publicly or try to profit from it and you’re OK. Saint Peter’s not going to ask you about how much music you’ve shared in your lifetime when you get to the pearly gates.

About Pay Dirt

  • Pay Dirt examines the millions of consumer decisions Americans make every day: What to buy, how much to pay, whether to rave or complain. Lead written by Quentin Fottrell, the blog examines these interactions, providing readers with news, insight and tips on shopping, spending, customer service, and companies that do right – and wrong – by their customers. Send items, questions and comments to quentin.fottrell@dowjones.com or tweet @SMPayDirt.

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

New York Markets Close in:

need to know
Burger King to sell hot dogs starting Feb. 23
What to expect from Whole Foods earnings
US Foods files to go public
Salesforce CEO takes stake in Fitbit
U.S. government runs $55 billion budget surplus

Tesla earnings: Model 3 spending, Model X sales in focus
Tesla earnings: Model 3 spending, Model X

Twitter reports after the bell — what to look for
The Twitter signal that’s giving investors hope
Facebook, Amazon are the keys to this market
Tech money makers can’t make up for losers

What Apple, Amazon and Starbucks have in common

Portland Trail Blazers guards Damian Lillard and C.J. McCollum live with ... mom
Meet the NBA stars who live with their mothers

Musician Lenny Kravitz owned the 19th-century Creole cottage in the French Quarter of New Orleans from 1994 to 2012. It's now back on the market at $1.16 million.

RE/Max N.O. Properties/Mansion Global
A bona fide celebrity abode — believe it or not
London house of the week has spiritual side
S.F. real estate looked like this in 2000, too
San Diego prices sending buyers northward
Location Scouts: Insider intel from top markets

A break for zombie-fighting Amazon developers

REIT bonus targets at heart of Brixmor scandal

Burberry sues, says J.C. Penney copied its designs
NRF expects retail sales to grow 3.1% in 2016

10 essential money questions to ask yourself today

Feds have removed a roadblock to driverless cars

Recipe for less boring Oscar acceptance speeches
Is James Bond’s Pinewood Studios for sale?

Why is everyone freaking out about ‘CoCos’?

If you’re bullish on oil, Chevron and Exxon are buys here
If you’re bullish on oil, these stocks are buys

Social Security in the crosshairs: replacement rates again
Stage is being set for cuts to Social Security

Tricky tax issues you should know about this year

Supreme Court halts Obama’s emissions plan
White House forecasts best growth in years
Obama proposes $4.1 trillion federal budget

Why you should consider retiring abroad
Finding the best places to retire abroad
Expat retirees: How life has turned out

Is it wise to hold on to cash reserves?


IRS says identity thieves breached its systems
How to know if your tax preparer is a crook
Tax software firm warns of data breach
White House's lesson about online security

The 6 Most Shorted NYSE Stocks: Short Sellers Pile on Alcoa, Freeport-McMoRan Again
Short sellers pile on Alcoa, Freeport-McMoRan
24/7 Wall St.: Short sellers retreat from Nasdaq

Cheap oil may make OPEC dominant again
Existential threat to Russians and Saudis: Lynn

Will oil get so cheap, it won’t pay to extract it?


/conga/frontpage.html 367615

Markets »

72.79MDow Volume:
Avg Vol: 130.29M
Unchanged
146
Decliners
2263
Advancers
4016
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 16,015 +1 0.00%
Nasdaq
/quotes/zigman/12633936/realtime 4,317 +48 1.13%
S&P 500
/quotes/zigman/3870025/realtime 1,864 +12 0.63%
GlobalDow
/quotes/zigman/629063/realtime 2,092 +8 0.36%
Gold
/quotes/zigman/33772884/delayed 1,193 -6 0.47%
Oil
/quotes/zigman/2260836/delayed 27.70 -0.24 0.86%
FTSE 100
/quotes/zigman/3173262/delayed 5,672 +40 0.71%
DAX
/quotes/zigman/2380246/delayed 9,017 +138 1.55%
CAC 40
/quotes/zigman/3173214/delayed 4,061 +64 1.59%
FTSE MIB
/quotes/zigman/1482176/delayed 16,714 +801 5.03%
IBEX 35
/quotes/zigman/2759620/delayed 8,144 +216 2.73%
Stoxx 600
/quotes/zigman/2380150/delayed 315 +6 1.87%
Asia Dow
/quotes/zigman/6959860/realtime 2,454 -17 0.69%
Nikkei 225
/quotes/zigman/5986735/delayed 15,713 -372 2.31%
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 23,759 -262 1.09%
Singapore
/quotes/zigman/1709939/delayed 2,582 -41 1.57%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 0.00 0.18%
Yen
/quotes/zigman/16008150/realtime/sampled 113.77 -1.35 1.17%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 +0.01 0.40%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 +0.00 0.52%
DXY Index
/quotes/zigman/1652083/delayed 95.97 -0.08 0.09%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.97 -0.31 0.35%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.71 -0.02 1.24%
German 10y
/quotes/zigman/15866409/realtime 0.24 +0.01 2.52%
Italy 10yr
/quotes/zigman/15866497/realtime 1.64 -0.04 2.37%
Spain 10yr
/quotes/zigman/15866444/realtime 1.72 -0.06 3.62%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.42 +0.00 0.13%
Japan 10yr
/quotes/zigman/15866525/realtime 0.01 +0.04 165.64%
Crude Oil
/quotes/zigman/2260836/delayed 28 0 0.86%
Gold
/quotes/zigman/33772884/delayed 1,193 -6 0.47%
Corn
/quotes/zigman/25518691/delayed 360 -1 0.21%
DJIA F
/quotes/zigman/48241424/delayed 15,956 -3 0.02%
S&P F
/quotes/zigman/43106711/delayed 1,859 +11 0.60%
Silver
/quotes/zigman/32655632/delayed 15 0 1.26%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 101.99 2.45 2.46%
AAPL /quotes/zigman/68270/composite 94.96 -0.03 -0.03%
GOOG /quotes/zigman/59527964/composite 687.50 9.39 1.38%
BAC /quotes/zigman/190927/composite 12.10 -0.10 -0.84%
C /quotes/zigman/5065548/composite 37.81 0.30 0.79%
F /quotes/zigman/264304/composite 11.38 0.03 0.23%
T /quotes/zigman/398198/composite 36.54 -0.12 -0.31%
BP /quotes/zigman/247026/composite 28.10 -0.25 -0.88%
GE /quotes/zigman/227468/composite 28.50 0.22 0.78%
Visit the quote page and your most recently viewed stocks will automatically be displayed here.
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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% 11.96% 11.62%
Business 13.12% 13.12% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.35% 14.12%
Airline 15.17% 15.17% 15.10%
Cash Back 15.20% 15.26% 15.27%
Reward 15.25% 15.28% 15.14%
Instant Approval 18.02% 18.21% 18.00%
Bad Credit 22.56% 22.88% 22.73%
Source:CreditCards.com

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