Image description: From the Department of Interior: Winter has...

Otmane El Rhazi from USA.gov.

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From the Department of Interior:

Winter has arrived at Grand Teton National Park in Wyoming, and it is gorgeous! Christina Adele Warburg took this photo last weekend at Mormon Row. Photographers from around the world visit this area of the park to capture this iconic barn with the Teton Range in the background.

Image description: Shopping online this holiday season to avoid...

Otmane El Rhazi from USA.gov.

Image description: Shopping online this holiday season to avoid in-store lines and traffic at the mall? Use the tips from this video to help find the best deals and avoid unnecessary hassles.

Image description: Happy Thanksgiving! Did you know wild turkeys...

Otmane El Rhazi from USA.gov.

Image description: Happy Thanksgiving! Did you know wild turkeys can run at speeds up to 12 miles per hour? Check out 8 fun facts about these Thanksgiving birds.

Holiday Spending: How Not to Blow Your Budget

Otmane El Rhazi from USA.gov.

By Katie Bryan, America Saves

Almost everything you see this holiday season will encourage you to spend money. You may feel pressured to buy the “best” gifts or top gift giving from previous years. In fact, according to the Consumer Federation of America, 1/3 of us planned on spending more during the holidays than we did in years past.

I’m here to tell you that you absolutely do not need to blow your budget this holiday season. Let’s make a commitment right here and now to be smart in our spending and keep to our spending and savings plan. Say it with me: “I will not break my budget this holiday season.”

OK, with that out of the way we can now focus on how to make that happen.

First, take a look at your financial situation and the goals you have:

• Focus on what you really want – I’m not talking about gifts or presents here but rather items like a down payment for a house, saving for a child’s education, or building an emergency fund.


• Create a spending and savings plan to reach your goals – Don’t wait until the New Year, after you have spent all that money over the holidays, to make a resolution to get your finances together. Do it now before you start any holiday spending or incur any unnecessary debts so you know exactly how much you can spend.


• Take the America Saves Pledge – Those who make a commitment to themselves and their family to save usually save more than those who don’t. Make your commitment today and get monthly advice and support from America Saves while you save money.

Once you know how much you have to spend, use these tips and ideas to keep spending within your budget:

1. Form gift exchanges – This many not work with all families, but it should definitely work with friends and coworkers. After all, reducing the number of your gifts you have to buy can save you a lot of money.


2. Make homemade gifts – Think bath products, movie night packages, remote holders, drink koozies, and candles. Pinterest has so many great ideas to inspire you. You can knit, sew, glue, fold, stir, or recycle a handmade gift that keeps your spending low and your personal investment high.


3. Share a skill – Instead of giving a coupon good for one dog walk or one house cleaning (though those are valuable gifts to give, too!), offer to teach your grandmother or an uncle how to use Twitter or arrange for a special night where you can teach a niece or nephew how to cook a meal.

You don’t have to let this holiday season break the bank. Remember your personal savings goals and get creative with gift giving this year to reduce spending and save money.

Katie Bryan works for America Saves, managed by the nonprofit Consumer Federation of America (CFA), which seeks to motivate, encourage, and support low- to moderate-income households to save money, reduce debt, and build wealth. Learn more at americasaves.org .

What You Should Know About Lung Cancer Prevention

Otmane El Rhazi from USA.gov.

November is Lung Cancer Awareness month — and with good reason. Lung cancer is the leading cause of cancer death and the second most common cause of cancer among both men and women in the United States.

While not smoking will drastically cut your risk of getting lung cancer (90% of lung cancers are linked to smoking), there are additional things you can do to protect yourself.

• 
  

  Avoid second-hand smoke. Second-hand smoke is nearly as bad for you as being a smoker.

  
  


• 
  

  Get your home tested for radon . Radon is the second leading cause of lung cancer after smoking. Radon is an odorless and tasteless naturally occurring gas that comes from rocks and dirt that can get trapped in homes and buildings.

  
  


• Above all else, don’t smoke. If you do, consider quitting — there are places you can go to get support, and medicines available to help you.

President Obama announces executive actions on immigration

Otmane El Rhazi from USA.gov.



President Obama announces executive actions on immigration:

On November 20 President Obama addressed the nation to announce a series of executive actions on immigration. The initiatives announced will touch the lives of millions of undocumented immigrants, specifically:

• Individuals who are eligible for the Deferred Action for Childhood Arrivals (DACA) program and who came into the country at a young age.


• Parents of U.S. citizens and lawful permanent residents who have been living in the country since January 1^st, 2010.


• The spouses and children of lawful permanent residents.


• Adult children of American citizens.

Additionally, President Obama’s executive actions are expected to provide other benefits:

• Those who apply for naturalization will be able to pay their application fees by credit card.


• Immigrant and nonimmigrant programs will create jobs and contribute to the nation’s economy.

Sign up to receive email updates from the U.S. Citizenship and Immigration Service

Image description: From the White House: Calling all student...

Otmane El Rhazi from USA.gov.

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From the White House:

Calling all student filmmakers! Submit your video for the second-annual White House Student Film Festival by January 20th.

Today in 1863, Lincoln delivered the Gettysburg Address, one of the most eloquent speeches in...

Otmane El Rhazi from USA.gov.

Today in 1863, Lincoln delivered the Gettysburg Address, one of the most eloquent speeches in history. Listen: http://bit.ly/1ySIcq5

Image description: Today in 1831, President Garfield was born....

Otmane El Rhazi from USA.gov.

Image description: Today in 1831, President Garfield was born. He was president for only 200 days: http://go.usa.gov/GXcF

Video description: Most of the country is starting to feel the...

Otmane El Rhazi from USA.gov.

Video description: Most of the country is starting to feel the first signs of winter. With temperatures dropping, and forcing you to turn the heat on, you may want to check and see that you have enough insulation in your home — it’ll save you money on your heating costs.

This instructional video will show you step-by-step how to safely measure your insulation levels and help you decide whether or not you need more.

There are many more ways you can save money and energy in your home, here are some tips .

Image description: From the White House: Need health coverage?...

Otmane El Rhazi from USA.gov.

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From the White House:

Need health coverage? You can get covered starting November 15th. Check out plans and price options in your state.

Video description: From the IRS: Find out how you can help...

Otmane El Rhazi from USA.gov.

Video description:

From the IRS:

Find out how you can help families with low to moderate income file their tax returns.

Scam Warning: IRS Impersonation

Otmane El Rhazi from USA.gov.

Scams and frauds are abundant, and here is another one of which you should be aware.

The Internal Revenue Service (IRS) has issued a warning and created this video for the American people regarding phone scammers that will call you, claiming to be the IRS. They may say you owe money, or claim that you are due a refund, and trick you into sharing private information.

The scammers are elaborate— caller ID will show up as the IRS, they use fake names and IRS badge numbers. If you don’t answer, they will leave “urgent” call back requests.

The real IRS does NOT use email, text messages, or social media to discuss personal tax issues, and they would never do the following:

1. 
   

   Call to demand immediate payment, or call about taxes owed without first having mailed you a bill.

   
   


2. 
   

   Demand that you pay taxes without giving you the opportunity to question or appeal the amount they say you owe.

   
   


3. 
   

   Require you to use a specific payment method for your taxes, such as a prepaid debit card.

   
   


4. 
   

   Ask for credit or debit card numbers over the phone.

   
   


5. 
   

   Threaten to bring in local police or other law-enforcement groups to have you arrested for not paying.

   
   

If you get a phone call from someone claiming to be from the IRS and asking for money, here’s what you should do:

• 
  

  If you know you owe taxes or think you might owe, call the IRS at 1.800.829.1040. The IRS workers can help you with a payment issue.

  
  

• 
  

  If you know you don’t owe taxes or have no reason to believe that you do, report the incident to the Treasury Inspector General for Tax Administration (TIGTA) at 1.800.366.4484 or at www.tigta.gov.

  
  

• 
  

  If you’ve been targeted by this scam, also contact the Federal Trade Commission and use their “FTC Complaint Assistant” at FTC.gov. Please add “IRS Telephone Scam” to the comments of your complaint.

  
  

Happy Veterans Day!

Otmane El Rhazi from USA.gov.

Thank you to all of those who have served and continue to serve our country!

What's the Difference Between Memorial Day and Veterans Day?

Otmane El Rhazi from USA.gov.

Veterans Day will be celebrated tomorrow and sometimes we get asked what the difference between Memorial Day and Veterans Day is. According to the Veterans Administration:

Many people confuse Memorial Day and Veterans Day. Memorial Day is a day for remembering and honoring military personnel who died in the service of their country, particularly those who died in battle or as a result of wounds sustained in battle. While those who died are also remembered, Veterans Day is the day set aside to thank and honor ALL those who served honorably in the military - in wartime or peacetime. In fact, Veterans Day is largely intended to thank LIVING veterans for their service, to acknowledge that their contributions to our national security are appreciated, and to underscore the fact that all those who served - not only those who died - have sacrificed and done their duty.

Image description: From the White House: President Obama...

Otmane El Rhazi from USA.gov.

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From the White House:

President Obama welcomes the Little League World Series U.S. champion Jackie Robinson West All Stars to the Oval Office.

In My Father's Footsteps

Otmane El Rhazi from USA.gov.

Just in time for Veterans Day, this is a great read!

From the Corporation for National and Community Service:

By Shane Miller

Veteran dad inspires son to serve in AmeriCorps and the military

Read More

Diabetic Eye Disease Rates Increase Among Hispanics

Otmane El Rhazi from USA.gov.

Approximately 3 million Hispanics at risk of losing their sight in 2030 as a result of complications from diabetes

Today, diabetes affects more than 29 million people in the United States or over 9 percent of the population. Are you one of them?

Mexican Americans and Puerto Ricans represent two of the Hispanic groups with high prevalence of diabetes, although all Hispanics are at risk. All people with diabetes, both type 1 and type 2, are also at risk for diabetic eye disease, a leading cause of vision loss and blindness.

Diabetic eye disease refers to a group of eye problems that people with diabetes may face as a complication of the disease and includes cataract, diabetic retinopathy, and glaucoma.

Diabetic retinopathy, the most common diabetic eye disease, is the leading cause of blindness in adults 20–74 years of age. According to the National Eye Institute (NEI), 1.2 million Hispanics have diabetic retinopathy and this number is projected to increase to approximately 3 million people by 2030.

“The longer a person has diabetes, the greater is his or her risk of developing diabetic eye disease,” said Paul A. Sieving, M.D., Ph.D., director of NEI. “If you have diabetes, be sure to have a comprehensive dilated eye exam at least once a year. Diabetic eye disease often has no early warning signs, but can be detected early and treated before vision loss occurs. Don’t wait until you notice an eye problem to have an exam because vision that is lost often cannot be restored.”

While all people with diabetes can develop diabetic eye disease, Hispanics and older adults with diabetes are two of the groups at higher risk of losing vision or going blind from it. All people with diabetes should have a dilated eye exam at least once a year to detect vision problems early.

“In fact, with early detection, timely treatment, and appropriate follow-up care, people with diabetic retinopathy can reduce their risk of severe vision loss by 95 percent,” added Suber Huang, M.D., a spokesperson for the National Eye Health Education Program.

When people with diabetes maintain good control of blood sugar, blood pressure, and cholesterol, they can slow the development and progression of diabetic eye disease. In addition to having the dilated eye exam, people with diabetes should do the following to keep their health on TRACK:

• 
  

  Take your medications.

  
  


• 
  

  Reach and maintain a healthy weight.

  
  


• 
  

  Add physical activity to your daily routine.

  
  


• 
  

  Control your blood sugar, blood pressure, and cholesterol.

  
  


• 
  

  Kick the smoking habit.

  
  

For more information on diabetic eye disease and tips on finding an eye care professional or financial assistance for eye care, visit http://ift.tt/1vIPnhI or call NEI at 301–496–5248.

Image description: Thanks to everyone who got out and voted...

Otmane El Rhazi from USA.gov.

Image description: Thanks to everyone who got out and voted yesterday, and a special thanks for sharing your “I voted” stickers with us!

It’s not to late to share your election selfie with us. Just tweet it to @USAgov.

Check out our Twitter feed for more great pictures of people showing off their stickers!

The U.S. Election Assistance Commission (EAC)

Otmane El Rhazi from USA.gov.



The U.S. Election Assistance Commission (EAC):

Find State Voter Information with links to state election Web sites with voter guides, registration information and deadlines, absentee and early voting dates, provisional voting information and polling place hours and locations.

It’s Election Day! If you haven’t voted yet, find your polling place and go cast your ballot: http://go.usa.gov/7sNx #vote

Result of Riksbank certificate sale

Otmane El Rhazi from GlobeNewswire: Bond Market News .





CERTIFICATE 141112
FIXED RATE 0.00 %
OFFERED VOLUME 53.500 BLN
ACCEPTED VOLUME 30.000 BLN
PERCENTAGE ALLOTTED 100.0000 %
TOTAL BID AMOUNT 30.000 BLN
NUMBER OF BIDS 3

DEPOSIT RATE -0.75 %
LENDING RATE 0.75 %

Conditions for sale of Riksbank certificates

Otmane El Rhazi from GlobeNewswire: Bond Market News .



AUCTION DATE: NOV 4, 2014
START DATE: NOV 5, 2014
MATURITY DATE: NOV 12, 2014
NOMINAL AMOUNT: 53.5 BLN
FIXED RATE: 0.00 %

ALL MONETARY POLICY COUNTERPARTIES ARE INVITED TO SUBMIT BIDS TO THE RIKSBANK
(08-6966970) BY 10.00 AM ON NOV 4 2014, AT THE LATEST. CONFIRMATION OF BIDS BY
FAX (46-8-24 68 91)

THE LOWEST ACCEPTED BID VOLUME IS SEK 1 MLN.

THE HIGHEST ACCEPTED BID VOLUME IS SEK 53.5 BLN.

RESULT OF AUCTION WILL BE PUBLISHED AT 10.15 (CET/CEST)

ON N

午盘:美股涨跌不一道指跌0.16%

2014年11月04日 00:58  新浪财经 微博 我有话说 收藏本文     

道琼斯最新实时行情美股滚动美股评论中概股环球股指成分股客户端

美股行情中心：独家提供全美股行业板块、盘前盘后、ETF、权证实时行情

　　新浪财经讯 北京时间11月4日凌晨消息，美国股市周一午盘涨跌不一。标普500指数创历史新高。美元兑日元汇率突破114。投资者正在权衡全球经济增长前景。
　　美东时间11月3日11:55(北京时间11月4日00:55)，道琼斯(17394.5, 3.98, 0.02%)工业平均指数下跌27.82点，报17,362.70点，跌幅为0.16%；标准普尔500指数上涨1.76点，报2,019.81点，涨幅为0.09%；纳斯达克(4646.47, 15.73, 0.34%)综合指数上涨16.94点，报4,647.68点，涨幅为0.37%。
　　美元兑日元再次刷新日高，最高至114.212，再刷7年新高。
　　今天盘中标普500指数一度攀升至2021.49点，道指上涨至17,398.54点，均创盘中新高。纳指创2000年3月以来新高。
　　丹麦盛宝银行股市策略部门总监皮特-甘瑞(Peter Garnry)表示：“在10月份迅速反弹之后，股市可能稍作停歇。但别指望股市会再次回调。上涨动力仍然强劲，美国经济正在缓慢加速增长，因此股市上涨行情还将延续下去。”
　　自10月15日标普500指数创6个月新低以来，该指数在好于预期的经济增长与不断改善的企业财报推动下已经上涨8.4%。
　　上周五美股收高，标普500指数与道指均创历史新高，此前日本央行[微博]意外推出了刺激计划。过去两周内标普500指数上涨7%，为2011年3月份以来最大连续两周涨幅。但周一全球股市普遍下滑，此前全球第二大的经济体宣布10月份的工厂活动创5个月新低。
　　与此同时美元兑日元汇率突破113日元，为2007年以来仅见。
　　BTIG公司首席策略师丹-格林豪斯(Dan Greenhaus)认为，美股受到了中央银行刺激政策的推动，而企业财报则会使股市维持上涨动力。他指出，根据已经公布财报的375家标普500成分公 司的财报，企业盈利增长率接近10%，营收增长率为4%至5%，均高于市场预期。
　　格林豪斯表示：“正如我们在过去几个季度所说的一样，企业财报相当好，应该足以支撑股价继续上扬。”
　　一些分析师表示，市场应该密切关注中期选举结果，《华尔街日报》与NBC所作的联合调查认为，在周二的投票之后，共和党将以微弱优势控制国会。
　　经济数据面，美国供应管理协会(ISM)发布的10月制造业报告显示，制造业指数明显超出市场预期，这主要得益于新订单子指数创下5年来的第二高纪录。
　　ISM指出，10月的制造业指数为59%，高于9月的56.6%。据MW调查，经济学家平均预期10月ISM制造业指数约为56.5%，环比将 基本持平。ISM指数超过50%表明更多的受调查企业实现环比增长而不是萎缩。子指数当中，10月新订单指数环比攀升5.8个百分点，至65.8%，后者 是2009年以来仅次于今年8月66.7%的近五年第二高值。
　　市场资讯商Markit发布的10月美国制造业采购经理人指数(PMI)终值降至55.9，低于56.2的初值，也低于9月57.9的终值。55.9是今年8月以来的最低值。Markit制造业PMI超过50表明美国制造业处于环比增长状态。
　　本周的重要事件还包括中午的美国10月非农就业报告，以及周四的欧洲央行会议。
　　芝加哥联储主席查尔斯-埃文斯(Charles Evans)也将在周一发表讲话。
　　个股消息面，全球第三大广告集团法国阳狮(Publicis，PUB)3日宣布，将以总额37亿美元的价格收购美国数字广告公司Sapient(SAP(67.15, -0.98, -1.44%)E)，该报价合每股25美元，较后者上周五的收盘价17.32美元溢价44%。该笔交易将以全现金形式进行，预计明年第一季度完成。
Otmane El Rhazi, China。
　

Banks net position in the Riksbank

Otmane El Rhazi from GlobeNewswire: Bond Market News .



NOV 3, 2014
SEK MILLION

LENDING BORROWING
148

Activist investors set for tough season

Otmane El Rhazi from Capital Markets News and Data - FT.com.



Increase in showdowns likely but profit expectations are already being scaled back

Europe bourses slip back ahead of data

Otmane El Rhazi from Capital Markets News and Data - FT.com.



Euro back at October lows ahead of manufacturing data

Dollar strength drives commodity sell-off

Otmane El Rhazi from Capital Markets News and Data - FT.com.



Faster China growth will slow losses for metals and energy prices

Mix of data to include UK and US PMIs

Otmane El Rhazi from Capital Markets News and Data - FT.com.



ECB expected to further clarify asset purchase programmes and its extension to corporate bonds

Deal surge boosts Hong Kong’s ranking

Otmane El Rhazi from Capital Markets News and Data - FT.com.



Hong Kong’s late deal surge comes as investor nerves appear to have steadied following global turmoil in October