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☆ Delayed, lost or damaged luggage: What you should do
▼ + stars: | 2022-08-06 | by ( Forrest Brown | ) edition.cnn.com time to read: +9 min

CNN —It’s enough to give anyone already on edge about how to handle possible flight delays and cancellations yet another reason to pop an antacid or two: the prospect of delayed, lost or damaged baggage. There are things you can do and strategies you can take to help avoid losing a bag or at least minimize the impact of delayed, lost, stolen and damaged luggage. “Many times, airline personnel will explain that the luggage has been located but will be delayed until the next flight,” Travelers United says. Liability limits: There’s fine print, exceptions and paperwork / documentation hurdles, but you can eventually get cash for your lost bags. Damaged bags: If you see your luggage is damaged while still at the airport, report it there.

Persons: CNN —, you’re, Michael Ciaglo, Scott Keyes, Keyes, it’s, Robert Michael, Jo Hoban, ”, Paula Twidale, Hoban, “, Samantha Brown, you’ve, Guy, Jonas Walzberg, “ They’ve Organizations: CNN, Southwest Airlines, Denver International Airport, Dresden International, CNN Travel, AAA, Travelers, United, North Carolina Consumers Council, ” Travelers, Delta Air Lines, American Airlines, British Airways, Department of Transportation, US, Aviation, Airlines Locations: Germany, Spanish Fork , Utah, Salt Lake City, Salt Lake, City, Hamburg, United States

☆ A self-made millionaire shares her top 18 'recession money rules': 'Don't panic' and 'prepare to borrow'
▼ + stars: | 2022-07-06 | by ( Ann Kaplan | ) www.cnbc.com time to read: +8 min

To boost your chances of surviving an economic downturn, here are my top 18 recession money rules:1. If a rate reduction isn't an option, consider transferring your debt to a lower interest rate card. During a recession, many people need to borrow money to get through difficult times — and that's okay. Although no job is completely safe during a recession, certain jobs like those in essential services offer more security. Don't panic — recessions don't last forever.

Supply & Demand — free market On the Y-axis (the vertical one on the left) we have price. The demand line slopes from the upper left to the bottom right, and the supply line goes from the bottom left to the upper right. To illustrate this tight supply, we shift our supply line to the left as moving left on the X-axis indicates a lower quantity of supply. Supply & Demand — supply constrained market As we can see above, this small shift in supply — with no change in demand — creates a new equilibrium point at which we see a higher price level (P2). Supply & Demand — supply constrained with demand destruction By lowering demand, we can reach a new equilibrium level (marked in red).

We want firms that are profitable, that have real earnings right now. This is related to the idea of avoiding expensive stocks, which we'll talk about later. A key reason we're looking to avoid expensive stocks is because long-term rates are rising, in addition to the short end of yield curve influenced by Fed action. For example, a stock that trades at 30 times earnings is more expensive than a rival company that trades at 15 times earnings. But for the purposes of this particular story, it's important to understand that expensive stocks are more vulnerable to seeing their multiples contract in this current environment.

Here are nine questions we look to answer before adding a new name to our portfolio. Let's use our recent initiation of Procter & Gamble as an example. For example, we believe that consumer products such as those made and sold by Procter & Gamble are about as durable as they get. In the case of Procter & Gamble, we acknowledge we are paying above the five-year historic average valuation. In the case of Procter & Gamble, one potential red flag would be that current liabilities, those due within the next 12 months, exceed current assets.

☆ Meet the typical Walgreens shopper, a white college-educated suburban baby boomer earning $80,000
▼ + stars: | 2022-02-26 | by ( Dominick Reuter | ) www.businessinsider.com time to read: +3 min

Walgreens' average customer is a white suburban baby boomer earning over $80,000 per year. Slightly less than two-thirds of all US shoppers are Walgreens customers, according to data from the analytics firm Numerator prepared for Insider. Numerator found that Walgreens' typical shopper is a white suburban Baby Boomer who has a college education and an annual income of more than $80,000. Like CVS shoppers, Walgreens customers have an affinity for M&M's and Reese's candies and Hallmark greeting cards, but prefer Coca Cola sodas where CVS customers prefer Colgate toothpaste. Just 1.3% of a Walgreens shopper's total dollars are spent at Walgreens, compared with 11% of their spending at Walmart.

☆ UNICEF ITB 9168242, cleaning and hygiene supplies
▼ + stars: | 2021-07-01 | by ( Alte Articole | ) www.civic.md time to read: +5 min

Modalitatea de expediere a ofertei:Prin email, la adresa chisinautenders@unicef.org In plic sigilat, la receptia Casei ONU, str.31 August, nr. UNICEF Moldova invites interested companies to submit their bids for hygiene, sanitary and cleaning supplies and consumables: hand sanitizer, handwash liquid soap, surface disinfectant, toilet paper, trash bags, household gloves, paper towels, liquid bleach, WC cleaner, hands cream, diapers, toothpaste, toothbrushes, as per the attached ITB. Please find in the attached document details regarding the requirements and conditions for the products and suppliers. Any questions can be addressed to Elena Griu at egriu@unicef.org 48 hours before the tender deadline the latest. This advertisement and the relevant supporting documents is available at UNDP Moldova | Tender: UNICEF ITB 9168242, cleaning and hygiene supplies

Persons: August, Elena Griu Organizations: UNICEF Moldova, ONU, UNICEF, Tender Locations: Chisinau, permisurile, and, cream, diapers, toothpaste, Bidders, Moldova, cleaning and

Sandy, a 63-year-old retired mother of two, exposed her sons to money at a young age. She had a similar approach when it came to teaching her kids about money, encouraging them to be self-reliant and exposing them to real-world situations. Here are five of the most important money lessons Sandy taught her boys from an early age. How to spend mindfullySandy gave each of her kids a $200 monthly allowance starting around age 10 or 11. "You can choose what you want to do, but then you don't have money leftover to do those other things.

Persons: —, Sandy, Hershey's, it's, we've, I'm Organizations: Service, Business Locations: Sandy

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