Tuesday, February 14, 2017

How to Maintain A Frugal Lifestyle

The word "frugality" has left a more negative connotation for most people than simply being an economiser, a sham or a sham. There is a difference of thin line in the savings and too frugal to the point of being awkward and ridiculous. From this comes the negative connotation.

But if you guide you to the principles and right to choose to live a frugal reasons for life, you will never go wrong.

If you have decided to live frugally, no need to be concerned about insults. Keep your head up. And keep your attention through these tips.

1. Dining - Having gimmicks with friends on a Friday night is fine if you do it from time to time. But this can be expensive if you add them at the end of the month. Remember, good budgeting is always important.

2. Clothes - Of course, if you are the kind of person who loves signature clothes and designer, do not expect that there will be something left of their household paycheck. Instead of being fashionable, wear clothes that can be easily combined with other clothing.

3. Own house - If you plan to move and find a place to install, do not get overwhelmed by emotion rather than practical. For starters, buy a smaller home or try other means such as rental-own, do-it-yourself arrangements, and owner financing.

4. Buy your own car - Shy away from cars or sports SUVs. Just stick to your goal of buying a car that is transporting wherever you need to go. Also check out the warranty program cars as a new car. Perhaps this is not only the best time to replace your car with a new one.

5. Grocery Shopping - As far as possible not to go with marked items. Choose no brand and try to find items on the highest shelves or the lowest for the best prices. Take advantage of the opportunity and shop during the sales or use coupons.

6. Family Out - There are inexpensive ways to bond with your family and entertain yourself like going to libraries, local parks, malling, picnics, visiting friends and the local church.

7. School Supplies - Buy the school supplies supplies at home and do not buy anything fancy.

8. Be happy with what you have and try to live within what you earn.

9. Plan your child's college education (a) - teach them to be independent and self-reliant by encouraging them to apply for scholarships and "work on campus."

10. Be aware of your financial limitations

11. Anticipate planning failures - always has a budget plan to avoid buying impulse.

Wednesday, March 28, 2012

Investment Service Directory



Check out this investment service directory, which contain a large number of investment services in the United States.

Wednesday, November 09, 2005

Stock Markets Morning News 11/9/2005

U.S. stocks flat before oil data

Workers pour a concrete foundation in front of an unfinished housing development in a Denver, Colorado suburb April 19, 2005. U.S. stocks ended lower on Tuesday as a disappointing profit forecast from luxury home builder Toll Brothers Inc. stoked concerns about a possible slowdown in housing, a crucial engine of the U.S. economy. (Rick Wilking/Reuters)Reuters - U.S. stocks were little changed on Wednesday before the release of oil inventory data forecast to show a rise in supplies, which could ease investor worries about higher energy prices and support the stock market.


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Stocks Nearly Still on PepsiCo Worries

iRobot Chairman Helen Greiner and CEO Colin Angle celebrate as one of their company's PackBot EOD robots opens trading at the  Nasdaq marketsitel, as the Burlington, Mass. company lists on the exchange, in New York Wednesday Nov. 9, 2005. This also marked the first time a robot has opened the Nasdaq. (AP Photo/Richard Drew)AP - Stocks barely moved Wednesday after PepsiCo Inc. reduced its year-end forecast and insurance giant American International Group said it would restate its results for three fiscal years.


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Stocks Are Set to Open Flat on AIG News

In this photo released by the New York Stock Exchange, ExxonMobil Chairman & CEO Lee R. Raymond, fourth from left, is aplauded as he rings the NYSE opening ball, Tuesday Nov. 8, 2005. Joining in the celebration are NYSE CEO John Thain, third from left, and Charlene Raymond, wife of the ExxonMobil chairman, third from right. Others are unidentified. (AP Photo/Mel Nudelman, NYSE)AP - U.S. stock futures hovered around the flat line Wednesday, with American International Group again calling into question the accuracy of its books while networking giant Cisco may see positioning ahead of its earnings report.


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US stocks set to open flat

Reuters - U.S. stock futures suggested a nearly flat market opening on Wednesday, with investors looking for direction from Internet equipment company Cisco Systems Inc. before its quarterly financial results to be released after the market's close.

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Tuesday's Wall Street Glance

AP - Dow Jones Industrials

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North American markets close lower on disappointing corporate news

Canadian Press - TORONTO (CP) - Some disappointing corporate earnings and forecasts triggered profit taking on North American stock markets Tuesday as investors hope that historic forces will prevail and they can look forward to a year-end rally.

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Dow Ends Down 47, Nasdaq Finishes Down 6

In this photo released by the New York Stock Exchange, ExxonMobil Chairman & CEO Lee R. Raymond, fourth from left, is aplauded as he rings the NYSE opening ball, Tuesday Nov. 8, 2005. Joining in the celebration are NYSE CEO John Thain, third from left, and Charlene Raymond, wife of the ExxonMobil chairman, third from right. Others are unidentified. (AP Photo/Mel Nudelman, NYSE)AP - A negative sales forecast from home builder Toll Brothers Inc. Tuesday cast doubt on the health of the housing market and sent stocks falling after four sessions of gains.


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Stocks end lower, rattled by housing

Reuters - U.S. stocks ended lower on Tuesday as a disappointing profit forecast from luxury home builder Toll Brothers Inc. stoked concerns about a possible slowdown in housing, a crucial engine of the U.S. economy.

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Court Asked to Stop NYSE-Archipelago Vote

AP - A group of dissident seat owners on the New York Stock Exchange asked a state court Tuesday to postpone a seat owner and shareholder vote on the Big Board's proposed $6 billion acquisition of electronic rival Archipelago Holdings Inc.

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Stocks Decline on Auto, Housing Concerns

In this photo released by the New York Stock Exchange, ExxonMobil Chairman & CEO Lee R. Raymond, fourth from left, is aplauded as he rings the NYSE opening ball, Tuesday Nov. 8, 2005. Joining in the celebration are NYSE CEO John Thain, third from left, and Charlene Raymond, wife of the ExxonMobil chairman, third from right. Others are unidentified. (AP Photo/Mel Nudelman, NYSE)AP - Concerns over the housing and automotive sectors pressured stocks Tuesday as investors used the news as an excuse to take profits after four sessions of gains.


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Monday, November 07, 2005

Stock Markets Afternoon News 11/7/2005

Stocks gain as oil drops

Reuters - U.S. stocks rose on Monday as oil prices slid below $60 a barrel, easing concerns about higher energy costs and renewing investor enthusiasm for the technology and financial sectors.

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Dow, Nasdaq Advance on Lower Oil Prices

In a file photo traders work on the floor of the New York Stock Exchange, Monday afternoon Oct. 24, 2005.  Stocks wobbled in and out of positive territory Monday as oil prices sank below $60 a barrel and a legal dispute raised questions about Johnson & Johnson's acquisition of Guidant Corp.   (AP Photo/Richard Drew)AP - Falling oil prices and technology news pushed stocks higher Monday despite a legal dispute that raised questions about Johnson & Johnson's planned acquisition of Guidant Corp.


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TSX up slightly as energy stocks fade, but lower oil prices help boost N.Y.

Canadian Press - TORONTO (CP) - The Toronto stock market drifted higher Monday afternoon, dragged down by falling oil prices after two weeks of gains.

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NY judge reduces threat charge vs NYSE member

The facade of the New York Stock Exchange on Broad Street in Manhattan. A New York judge on Monday said he may dismiss charges against a 65-year-old man accused of threatening the life of a fellow NYSE seatholder if he agrees to takes a 12-week anger management course. (Mike Segar/Reuters)Reuters - A New York judge on Monday said he may let off the hook a 65-year-old man accused of threatening the life of a fellow New York Stock Exchange seatholder, though he'll have to take a 12-week anger management course first.


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Stocks Move Lower As Oil Slides Below $60

AP - Stocks wobbled in and out of positive territory Monday as oil prices sank below $60 a barrel and a legal dispute raised questions about Johnson & Johnson's acquisition of Guidant Corp.

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Report: NYSE May Consider Bid for LSE

AP - The New York Stock Exchange is considering entering the bidding war for the London Stock Exchange, according to a British newspaper report.

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Stocks Set to Open Up After Tech Gains

AP - With a calendar bereft of important economic or earnings releases, U.S. stock market futures were higher Monday after last week's strong technology sector gains.

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Investors Wonder if Rally Can Continue

AP - Wall Street just closed out its second straight week of substantial gains that helped erase the memory of a truly scary October, and investor sentiment remains high. But long-term economic problems remain, and that has traders wondering whether the market has enough going for it to keep fueling the rally.

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Stocks End Higher Despite Weak Jobs Data

The facade of the New York Stock Exchange on Broad Street in Manhattan. A New York judge on Monday said he may dismiss charges against a 65-year-old man accused of threatening the life of a fellow NYSE seatholder if he agrees to takes a 12-week anger management course. (Mike Segar/Reuters)AP - A late rally gave Wall Street a modest advance Friday after a lackluster employment report left investors wondering about the pace of economic growth and inflation. The major indexes each gained more than 1 percent this week.


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Friday's Wall Street Glance

AP - Dow Jones Industrials

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Stock Markets Morning News 11/7/2005

Stocks turn lower, led by energy shares

Reuters - U.S. stocks turned lower on Monday, led by declines in energy shares, as oil prices slipped below $60 a barrel.

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Stocks Are Mixed As Oil Prices Decline

AP - Stocks traded mixed Monday as oil prices eased below $60 a barrel and a legal dispute raised questions about Johnson & Johnson's acquisition of Guidant Corp.

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Report: NYSE May Consider Bid for LSE

AP - The New York Stock Exchange is considering entering the bidding war for the London Stock Exchange, according to a British newspaper report.

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TSX flat, Geac computer agrees to $1B buyout; NY moves higher on lower oil

Canadian Press - TORONTO (CP) - The Toronto stock market was flat Monday as lower energy and gold stocks were balanced by higher tech and base metals issues as investors took in a huge acquisition in the Canadian technology sector.

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Stocks Set to Open Up After Tech Gains

AP - With a calendar bereft of important economic or earnings releases, U.S. stock market futures were higher Monday after last week's strong technology sector gains.

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Investors Wonder if Rally Can Continue

AP - Wall Street just closed out its second straight week of substantial gains that helped erase the memory of a truly scary October, and investor sentiment remains high. But long-term economic problems remain, and that has traders wondering whether the market has enough going for it to keep fueling the rally.

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Stocks End Higher Despite Weak Jobs Data

A Refco broker works on the floor of the New York Mercantile Exchange, October 18, 2005. Hedge fund company Man Group said on Monday it had submitted a bid to acquire some of the assets and operations of bankrupt Refco Inc. (Shannon Stapleton/Reuters)AP - A late rally gave Wall Street a modest advance Friday after a lackluster employment report left investors wondering about the pace of economic growth and inflation. The major indexes each gained more than 1 percent this week.


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Friday's Wall Street Glance

AP - Dow Jones Industrials

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NYSE sets date for Archipelago vote

USATODAY.com - Ignoring a movement by dissident shareholders to change the terms of the deal, the New York Stock Exchange has set a date of Dec. 6 for its seat holders to vote on its proposed merger with the electronic trading platform Archipelago.

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Wall Street seen mixed

Reuters - Shares on Wall Street are expected to open mixed on Friday, with investors hoping monthly non-farm payrolls figures later will further demonstrate a healthy economy, but one with inflationary pressures contained.

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Friday, October 28, 2005

Stock Markets Morning News 10/28/2005

Stocks up on firm economic growth

Reuters - Stocks rose on Friday, buoyed by a report showing faster-than-expected third-quarter economic growth, which helped investors shrug off Microsoft Corp.'s disappointing outlook and a bigger-than-expected drop in a consumer sentiment gauge.

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Stocks Rally on Upbeat Economic Growth

Traders on the floor of the New York Stock Exchange (NYSE). The US economy grew at a 3.8 percent rate in the third quarter according to data released that were above expectations in a period that saw Hurricane Katrina batter the US oil industry(AFP/File/Tim Clary)AP - Stocks rallied Friday after new data showing better-than-anticipated economic growth last quarter signaled the nation was able to withstand the destruction of hurricanes Katrina and Rita.


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Stock markets higher as U.S. GDP comes in higher than expected

Canadian Press - TORONTO (CP) - North American stock markets rose Friday as third-quarter U.S. economic growth came in better than expected and investors took in a billion-dollar offer for retail giant Hudson's Bay Co.

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Wall Street set to open lower

Reuters - Shares on Wall Street look set for a fourth straight day of losses on Friday after Microsoft's mixed earnings update and ahead of a report that could show another drop in consumer confidence.

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Thursday's Wall Street Glance

AP - Dow Jones Industrials

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Dollar hits 2-yr high vs yen

Reuters - The dollar rose above 116 yen for the first time in two years on Thursday as investors bought the currency on prospects that the interest rate gap between the United States and Japan would widen even further.

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Dollar above 116 yen first time in 2 yrs

Reuters - The dollar rose above 116 yen for the first time in 25 months on Thursday, breaking through a key psychological barrier with the help of prospects for higher U.S. interest rates.

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Stocks slip as oil climbs

Reuters - Stocks ended slightly lower on Tuesday as a jump in crude oil prices fueled concern that higher energy prices would crimp household budgets further and a closely watched gauge of consumer confidence dropped unexpectedly in October.

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Goldman E-Mails Show NYSE-Archipelago Deal

AP - A Goldman Sachs Group Inc. employee expressed surprise in a series of e-mails about the investment bank's unusual — some say conflicting — roles in shepherding the New York Stock Exchange's acquisition of Archipelago Holdings Inc.

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Stocks poised for rally despite unease

Reuters - Worries about oil prices, a possible housing bubble and inflation have all conspired to keep the wraps on a U.S. stock market that may finally be showing signs it will reverse course after a sluggish year.

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Thursday, October 27, 2005

Stock Markets Morning News 10/27/2005

Stocks drop as GM rattles investors

Reuters - Stocks fell on Thursday, rattled by news that the Securities and Exchange Commission has subpoenaed General Motors Corp. in an investigation into the world's largest automaker's accounting.

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Stocks Drop After Durable Goods Slip

SBC Chairman Ed Whitacre (L) shakes hands with AT and T CEO Dave Dorman outside an investors meeting in New York, February 1, 2005. SBC, nearing the completion of its AT and T acquisition, on Thursday said it will adopt the AT and T name, unveil a new logo and stock market symbol when the transaction is completed late this year. (Jeff Zelevansky/Reuters)AP - Wall Street treaded water Thursday, with major indexes barely moving after a larger-than-expected decline in durable goods orders exacerbated worries about a slowing economy.


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Stock markets move down on higher crude oil, earnings, GM jitters

Canadian Press - TORONTO (CP) - The Toronto stock market moved lower Thursday morning as crude oil prices rose.

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Dollar hits 2-yr high vs yen

Reuters - The dollar rose above 116 yen for the first time in two years on Thursday as investors bought the currency on prospects that the interest rate gap between the United States and Japan would widen even further.

Read More...

Dollar above 116 yen first time in 2 yrs

Reuters - The dollar rose above 116 yen for the first time in 25 months on Thursday, breaking through a key psychological barrier with the help of prospects for higher U.S. interest rates.

Read More...

Wednesday's Wall Street Glance

AP - Dow Jones Industrials

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Stocks futures up; Amazon under pressure

Reuters - U.S. stock futures were pointing to a higher opening on Wall Street on Wednesday with strong earnings expected from blue chips such as Boeing , but Amazon is set to dip after disappointing after-hours figures.

Read More...

Stocks slip as oil climbs

Reuters - Stocks ended slightly lower on Tuesday as a jump in crude oil prices fueled concern that higher energy prices would crimp household budgets further and a closely watched gauge of consumer confidence dropped unexpectedly in October.

Read More...

Goldman E-Mails Show NYSE-Archipelago Deal

AP - A Goldman Sachs Group Inc. employee expressed surprise in a series of e-mails about the investment bank's unusual — some say conflicting — roles in shepherding the New York Stock Exchange's acquisition of Archipelago Holdings Inc.

Read More...

Stocks poised for rally despite unease

Reuters - Worries about oil prices, a possible housing bubble and inflation have all conspired to keep the wraps on a U.S. stock market that may finally be showing signs it will reverse course after a sluggish year.

Read More...

Wednesday, October 26, 2005

Stock Markets Afternoon News 10/26/2005

Stocks barely budge after mixed earnings

Reuters - stocks were barely changed on Wednesday after mixed earnings reports, while remarks from President George W. Bush about the need to increase gasoline supplies weighed on sentiment.

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Earnings Woes Keeps Stocks Mixed

Traders Paul Lavezzoli (XPRO) and Brian Platt (BCP) along with others work the Standard & Poor's 500 Futures pit at the Chicago Mercantile Exchange Tuesday morning, Oct. 25, 2005. Chicago Mercantile Exchange Holdings Inc., the country's largest futures exchange, on Tuesday reported third-quarter earnings rose 30 percent to $77.5 million, or $2.22 a share, from $59.4 million, or $1.72 a share, a year earlier. The exchange attributed its strong quarter to 'significant volume growth in our foreign exchange, interest rate and equity products.' (AP Photo/Charles Rex Arbogast)AP - Stocks were narrowly mixed in volatile afternoon trading Wednesday as investors struggled to digest a mix of earnings reports and weighed the odds of a yearend rally that would give the flagging stock market a boost.


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Stock markets mixed as crude oil prices fall back, earnings disappoint

Canadian Press - TORONTO (CP) - The Toronto stock market gave up moderate gains Wednesday afternoon as the energy sector deteriorated in the wake of data showing higher than expected crude inventories in the U.S. last week.

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Stocks futures up; Amazon under pressure

Reuters - U.S. stock futures were pointing to a higher opening on Wall Street on Wednesday with strong earnings expected from blue chips such as Boeing , but Amazon is set to dip after disappointing after-hours figures.

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Tuesday's Wall Street Glance

AP - Dow Jones Industrials

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Stocks slip as oil climbs

Reuters - Stocks ended slightly lower on Tuesday as a jump in crude oil prices fueled concern that higher energy prices would crimp household budgets further and a closely watched gauge of consumer confidence dropped unexpectedly in October.

Read More...

Goldman E-Mails Show NYSE-Archipelago Deal

AP - A Goldman Sachs Group Inc. employee expressed surprise in a series of e-mails about the investment bank's unusual — some say conflicting — roles in shepherding the New York Stock Exchange's acquisition of Archipelago Holdings Inc.

Read More...

Stocks poised for rally despite unease

Reuters - Worries about oil prices, a possible housing bubble and inflation have all conspired to keep the wraps on a U.S. stock market that may finally be showing signs it will reverse course after a sluggish year.

Read More...

Archipelago Earnings Down on NYSE Merger

AP - Archipelago Holdings Inc. said earnings in the latest quarter fell, hurt by the cost of preparing for its merger with the New York Stock Exchange.

Read More...

Big Movers in the Stock Market

AP - Stocks that were moving substantially or trading heavily Monday on the New York Stock Exchange and Nasdaq Stock Market.

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Stock Markets Morning News 10/26/2005

Stocks open lower on Boeing, Amazon

Reuters - Stocks opened lower on Wednesday after profit by companies like aircraft maker Boeing Co. and online retailer Amazon.com Inc. came in below Wall Street estimates, hurting investor enthusiasm about the earnings outlook.

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Stocks Mixed on Boeing, Amazon Reports

Traders Paul Lavezzoli (XPRO) and Brian Platt (BCP) along with others work the Standard & Poor's 500 Futures pit at the Chicago Mercantile Exchange Tuesday morning, Oct. 25, 2005. Chicago Mercantile Exchange Holdings Inc., the country's largest futures exchange, on Tuesday reported third-quarter earnings rose 30 percent to $77.5 million, or $2.22 a share, from $59.4 million, or $1.72 a share, a year earlier. The exchange attributed its strong quarter to 'significant volume growth in our foreign exchange, interest rate and equity products.' (AP Photo/Charles Rex Arbogast)AP - More disappointing earnings reports, this time from Boeing Co. and Amazon.com Inc., kept stocks narrowly mixed Wednesday as investors looked ahead to the fourth quarter with increasing concern.


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Stocks negative as lower crude price punishes oil stocks, earnings disappoint

Canadian Press - TORONTO (CP) - Stock markets were lower in the early going Wednesday as the price of crude oil retreated slightly and investors took in disappointing results from Amazon and Boeing Co.

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Stocks futures up; Amazon under pressure

Reuters - U.S. stock futures were pointing to a higher opening on Wall Street on Wednesday with strong earnings expected from blue chips such as Boeing , but Amazon is set to dip after disappointing after-hours figures.

Read More...

Tuesday's Wall Street Glance

AP - Dow Jones Industrials

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Stocks slip as oil climbs

Reuters - Stocks ended slightly lower on Tuesday as a jump in crude oil prices fueled concern that higher energy prices would crimp household budgets further and a closely watched gauge of consumer confidence dropped unexpectedly in October.

Read More...

Goldman E-Mails Show NYSE-Archipelago Deal

AP - A Goldman Sachs Group Inc. employee expressed surprise in a series of e-mails about the investment bank's unusual — some say conflicting — roles in shepherding the New York Stock Exchange's acquisition of Archipelago Holdings Inc.

Read More...

Stocks poised for rally despite unease

Reuters - Worries about oil prices, a possible housing bubble and inflation have all conspired to keep the wraps on a U.S. stock market that may finally be showing signs it will reverse course after a sluggish year.

Read More...

Archipelago Earnings Down on NYSE Merger

AP - Archipelago Holdings Inc. said earnings in the latest quarter fell, hurt by the cost of preparing for its merger with the New York Stock Exchange.

Read More...

Big Movers in the Stock Market

AP - Stocks that were moving substantially or trading heavily Monday on the New York Stock Exchange and Nasdaq Stock Market.

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