Chris

So, I want to start investing on my own. I have a bachelor’s in finance and soon I’ll have a Master’s in finance and would like to take a little cash I have set aside (let’s say about $1,000) and start a portfolio for myself. I’ve done a little research on the main online trading sites, ETrade, Scottstrade, TDameritrade, and Fedelity. So far I’ve noticed that Fedelity has the lowest transaction costs at $7.95 but also requires a minimum account balance of $2500. ETrade has transaction costs of $9.99 but only requires $500 to open an account.

I was just curious to know if any of these sites required a certain number of transactions per month/year? Also, is there a minimum to open an account with TD or scottstrade? I wasn’t able to find anything on their site….

Basically, just looking for someone who could provide a little insight on the pros/cons of these online trading sights. Keep in mind that I’m starting with about $1000, and want to primarily invest in equities. Also, low transactions costs are preferred (I think that’s a given…) but also, since I know $1000 isn’t a lot to start, I won’t be able to afford to make a ton of transactions or the transactions fees will eat me up. So if a site requites, say 20 transactions a month, even at $7 per trade that doesn’t leave me much.

Any advice/thoughts would be greatly appreciated!!

I’m working on a project for a university. An issue that I have spotted is that a student organization that is not completely funded by the university (ex: intramural sport team that gets some funding from the university but also relies on members’ dues to cover some expenses) is allowed to have a private bank account.

The issue:

When one of these organizations apply for next year’s annual budget they are required to state the balance in the private account. Now, when it comes to university funding allocation, this reported balance can influence the amount of funding granted to the organization.

So basically, the student org. has a motive to under-state their balance in hope of receiving more funding from the school. In turn, costs the university more money and allocates more to groups who don’t necessarily need it!

My question:

Although the university is not on the bank account for these student organizations, can the university call the bank (if they have only the acct#) and request a balance on the account o ensure it was reported accurately? I’m not interested in a transaction history, only ending balance. Also, can the university require a student organization to submit a formal bank document with the balance (maybe an account balance receipt from an ATM, or something along those lines). Would this be breaking any type of privacy laws if the university requested this information?

I have relatively thick hair and I want to slick it back to get the Patrick Bateman / Jax Teller season 6 from SOA look. I want it to have that semi-wet look but not greesy. Also, something that holds well (because i know my hair isnt as long as it should be yet) but I dont want it to be rock hard either!

So, I need some advice on a gel or something for styling and hold.

Also, any advice on a conditioner that might help to give a better shine would be greatly appreciated.

Thanks!