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US Markets were trading in the green on Friday with Dow 30 trading at 30,678.80, up by 1.14%. While S&P 500 was trading at 3,701.66, up by 0.98% and Nasdaq Composite 10,690.60 was also up by 0.71 per cent

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US Markets in green on Friday; Dow 30 up over 345 points, Nasdaq Composite, S&P 500 up nearly 1%
Earlier today, Indian stock markets ended the week on a winning note. It was the sixth straight gains for equity markets. Source: Reuters
US Markets were trading in the green on Friday with Dow 30 trading at 30,678.80, up by 345.25 points or1.14 per cent. While S&P 500 was trading at 3,701.66, up by 35.88 points or 0.98 per cent and Nasdaq Composite 10,690.60 was also up 75.75 points or 0.71 per cent. A Reuters report said that today’s strength was on the back of a report which said the Federal Reserve will likely debate on signaling plans for a smaller interest rate hike in December, reversing declines set off by social media firms after Snap Inc’s ad warning.

Source: Comex

Nasdaq Top Gainers and Losers

Source: Nasdaq

Earlier today, Indian stock markets ended the week on a winning note. It was the sixth straight gains for equity markets. The BSE Sensex ended at 59,307.15, up by 104.25 points or 0.18 per cent from the Thursday closing level. Meanwhile, the Nifty50 index closed at 17,590.00, higher by 26.05 points or 0.15 per cent. In the 30-share Sensex, 13 stocks gained while the remaining 17 ended on the losing side. In the 50-stock Nifty50, 21 stocks advanced while 29 declined.

If you have no access to credit and need a quick loan, you may consider a payday loan. The idea sounds attractive: the lender deposits up to $2,000 into your bank account and the loan is automatically repaid from your next paycheck. You don’t need collateral and there’s no credit check.But before you walk into the payday loan office, do your homework. Here are some crucial facts you need to know.1. What is a payday loan? According to the U.S. government, a payday loan is defined as “a closed-end credit transaction, unsecured by any interest in the consumer’s personal property and excluding any credit card transaction under an open end consumer credit plan, with a term of 91 or fewer days in which the amount financed does not exceed $2,000 with a finance charge exceeding an annual percentage rate of 36%.” In other words: short-term, high-interest.To ensure repayment, the lender will require that you present a personal check for the total amount borrowed plus fees, or that you sign over legal access to your bank account for the total amount due. Your check is post-dated to your next payday. On that day the lender will cash the check or debit your bank account. This gives the lender an automatic repayment mechanism and the legal right to collect.2. Are payday loans legal everywhere? No! They are regulated by individual states. In some states they are illegal.They are also illegal for members of the U.S. military. One of the provisions of the FY 2007 Military Authorization Act makes it against the law for lenders to make payday loans and/or car title loans to military personnel. Lenders are also prohibited from charging more than 36% interest to military borrowers. When calculating the interest rate, additional renewal charges, fees, service charges, or credit insurance premiums must be included.3. What are the interest rates for these types of loans? Very high! Why? Because the lender typically requires only that you have a job and a bank account for the past sixty days. Payday loans are most often made to people who have poor credit and no collateral. These high-risk borrowers pay interest rates that can be as high as 600% APR.What does that mean? Here’s a typical payday loan breakdown:Loan amount: $1,500
Your next payday: 14 days from today
Fee per $100 borrowed: $20
Your effective APR: 521.43%
Total fees you pay: $300
Total debited from your account 14 days from now: $1,800Fourteen days after advancing you the loan for $1,500, the lender will debit $1,800 from your bank account. If for some reason the full amount isn’t there, you must still pay the $300 fee for that 14-day period. You will pay $300 every two weeks until you repay the original $1,500. When you receive your next paycheck 14 days later, you will owe $1,800. That means that if you miss the first repayment deadline, you will end up paying a total of $2,100.4. Are payday loans controversial? Yes! In many states they are considered usurious and are illegal. But attempts to regulate payday loans are receiving mixed responses. Congress is now considering the Payday Loan Reform Act of 2009 (HR 1214 IH). This bill would ostensibly regulate payday loans, but consumer protection groups are opposed. In a recent letter to U.S. Representative Luis Gutierrez, the bill’s sponsor, several groups including the National Consumer Law Center assert that H.R. 1214 gives Congressional authorization for single-payment loans of 780 percent APR for one week or 390 percent APR for two weeks. The mandated loan fee limit of fifteen cents per dollar loaned sounds reasonable, but it permits lenders to charge $75 for a typical $500 loan, which is due on the following payday. For the average customer who takes out nine loans per year, H.R. 1214 permits lenders to collect $675 in finance charges for a $500 loan taken out over an eighteen weeks.Imagine paying more in finance charges than the loan amount! Before you consider a payday loan, do the research and ask yourself if it’s really the best choice for you.

Business travel could be a profitable, enjoyable and even exciting experience. The moment you spend conducting business in other destinations increases your business reach and opportunity and increases you as a person too. Getting skilled at business trips is a strong business objective because there is knowledge related to business travel and being productive on the road that is not possible to learn if you don’t get out there and travel.Many of the knowledge associated with business travel are locked up in how you can live productively on your way. This is especially important when you’re on a long business travel. The life of moving in and out of hotels, traveling by car or airplane and also the challenges of the job could wear down even the most sturdy and knowledgeable business traveler.Keeping healthful eating while traveling for business is a critical challenge and one that really can only be attained with a few serious planning. You will finally find yourself consuming in a lot of dining establishments on your way and that kind of meals does not provide itself to a diet that is intended for fat loss or for a diet you must sustain for wellness reasons.The first but greatest step forward to accomplishing diet plan targets while traveling is to converse your wants to your traveling companions. In a business environment, there is normally a lot of encouragement to eat and drink well. Everybody is on the cost account so it’s an easy task to go crazy. Yet if you permit your coworkers and customers understand you’ve convincing reasons to sustain a disciplined diet, most of the time they will regard that and find methods to allow you to become successful.Another magic of business travel isn’t to rely on restaurants for your foods totally. If you may get out to a market early in the travel and buy some fresh fruit and vegetables, you can prepare some healthy food in your room to satiate and keep you on track. Then in the event that you have to eat in a restaurant to talk about business with colleagues or build relationships with the client, your appetite will be low so you can get by on a smaller amount.You can also be a voice for small amounts in the choice of eating establishments for your foods. Obviously, fast food is not going to be considered a good choice for you. So when there is discussion about where you can stop, you can vote for a spot that will serve a good variety of meal choices including some healthy choice menu options. In that way if you must eat in a restaurant, you’ll find items to order that can be prepared in accord with your diet requirements.You’ll be amazed how many allies you will find both in your travel associates and with those you are doing business with at your place who’ve diet plan targets but haven’t been successful because of the temptations of the life on the road. Your open statement of intent to stay to your diet regardless of the rigors of business trip could be a huge motivation to them. Furthermore, because they build partnerships in your purpose to reside wholesome, it’s entirely possible to consider your business to a healthy restaurant or deli and permit the rest of the party to go to a place of their liking. As long as this is performed without bitterness, everybody wins.Avoiding alcohol and snack foods could be a large concern on the road too. Very often in a seminar setting or within a lengthy day of conversations, the sponsor organization or office will give you biscuits or other treats to assist the conference go well by keeping everybody’s blood sugar up. These snacks are going to be difficult to resist. One way to help yourself in that situation is to be prepared with your own snacks in your brief case to bring out to replacement for the fattening food being supplied.By thinking ahead about your diet plan needs and how you will offer yourself while traveling, it’s possible to sustain a healthy lifestyle even during business trips. By supplementing theses steps with exercise and rest, you may find that your weather the travel much better than those who abuse their bodies and find yourself more productive as a business person as well because you made the effort to eat well on the road.