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According to a Securities and Exchange Commission filing, the partnership said it expects Phillips 66 ��will offer us opportunities to purchase additional transportation and midstream assets that it may acquire or develop in the future or that it currently owns.��</html> | According to a Securities and Exchange Commission filing, the partnership said it expects Phillips 66 ��will offer us opportunities to purchase additional transportation and midstream assets that it may acquire or develop in the future or that it currently owns.��</html> | ||
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| + | == Some Perspective on Student Loan Debt Fears == | ||
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| + | <html>College is expensive—and getting more so in recent years, with costs advancing at a rate far exceeding overall inflation. And many students borrow (occasionally heavily) to meet the expense—including some who have no immediate hope of repayment after graduation. With government college loan rates potentially set to reset higher in July, this has ignited fears of a potential debt-drag on US economic growth. Yet, given some perspective, these fears seem very unwarranted from a market and economic impact point of view. | ||
| + | The issue at hand seems to be the scheduled July 1, 2013 expiration of 2007 legislation that gradually reduced student loan rates. If nothing changes, rates would double from 3.4 percent to 6.8 percent. Student loan delinquencies already exceed credit cards,[http://dcportal.dc-hosting.pl/wiki/index.php/U%C5%BCytkownik:KevinLee883#David_Drake_Discusses_the_Current_State_of_Crowdfunding David Drake Discusses the Current State of Crowdfunding], and some fear the rise would crush recent college graduates. | ||
| + | Higher rates would clearly impact the students and graduates involved. Yet the student loan market is government-guarantee dominated—there's very little private sector exposure here. In fact, the government is currently originating roughly 93 percent of overall student loans,[http://szxslt.com/home.php?mod=space&uid=19138 ], up from 77 percent prior to 2008. So for inherently private sector stocks and markets, the direct effect is minimal at best. | ||
| + | Another reason the effect is minimal is only would be impacted. The affected rates are only on —issued after July 1,[http://www.hrs-salzhausen.de/mediawiki/index.php?title=Benutzer:Taylor830#Is_It_Time_for_Your_Financial_Checkup- Is It Time for Your Financial Checkup-], 2012. Preexisting loan rates are unaffected. | ||
| + | But this all assumes July 1 comes and rates shoot higher. And that’s a speculative bet at best. Just last year, Congress faced the on this exact topic—a looming automatic rate hike on July 1. Yet,[http://wiki.npl.ch/wiki/Benutzer:Taylor185#Wholesale_Inventories_Unexpectedly_Drop_in_May.2C_Sales_Up Wholesale Inventories Unexpectedly Drop in May, Sales Up], when push came to shove, a last-minute extension was passed on June 29. Hence, it seems there’s plenty of time to figure out a deal before the automatic rate increase occurs, particularly given Congress's penchant for last minute can-kicking. | ||
| + | And talks are already underway. Many and varied versions of bills circulating Capitol Hill presently seek to forestall the rate doubling. are getting little attention and stand next-to-no chance of passing. Other bills with broader support seek to extend current rates. Still others, like a , tie rates to 10-year bond yields plus a spread. That's similar to a proposal in President Obama's budget, though the spread and terms differ. There's currently ample time and political will to prevent this student-loan-fiscal rock climb. And importantly, while many may unfortunately carry student loan debt, the unemployment rate for those is presently 3.9%, down from its recent cyclical peak of 5.1%. Hence,[http://sj.sanya.gov.cn/Review.asp?NewsID=394 Chevron Lowers Second Quarter Expectations After Production Snafus], the number of folks with a degree, too much debt and no job is seemingly a small share of total borrowers. | ||
| + | Last year, when the extension passed, it was an election year—perhaps a factor in its passing. Yet in a very realistic sense, politicians are nearly always on the campaign trail. We're betting relatively few of them decide they want to look as though they're putting a big squeeze on higher education, and will vote for politically popular proposals pushing out loan rate hikes further. | ||
| + | This constitutes the views, opinions and commentary of the author as of May 2013 and should not be regarded as personal investment advice. No assurances are made the author will continue to hold these views, which may change at any time without notice. No assurances are made regarding the accuracy of any forecast made. Past performance is no guarantee of future results. Investing in stock markets involves the risk of loss. | ||
| + | By Todd Bliman, Fisher Investments</html> | ||
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| + | == 2013 NFL Season- 5 Burning Questions For Upcoming Season == | ||
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| + | 2013 NFL Season: 5 Burning Questions For Upcoming Season<br>Summer is here and for NFL fan, the agonizing post draft drought is almost over. In the heat of late summer, almost 3000 men will compete in the ultimate job interviews; NFL training camps. Each of the 32 teams will take a training camp roster to camp and whittle those 90 hopefuls in a active roster of 53 and an eight man practice squad. For a select few superstars and veterans, this is a more part of the process,[http://www.wikifx.ru/index.php/%D0%A3%D1%87%D0%B0%D1%81%D1%82%D0%BD%D0%B8%D0%BA:Taylor826#Training_camp_predictions-_Geno_Smith_will_win_Jets.27_QB Training camp predictions- Geno Smith will win Jets' QB], though a new coaching regime might test a veteran s ability to survive their 11th or 12 camp. But for 100s of other highly touted rookies,[http://blog.kissmetrics.com/ The NFL's top assistant coaches], undrafted players, on the bubble veteran players and aging veterans,[http://aristeiacoaching.com/wikicoaching/index.php/Usuario:Taylor432#Pete_Carroll-_Percy_Harvin_might_need_hip_surgery Pete Carroll- Percy Harvin might need hip surgery], training camp means a job or no job as they show their wares over the next month.<br>While the drama of training camp is truly must see TV as shown by the hit HBO TV series,[http://www.vslme.net/wiki/index.php/User:KevinLee436#NFL_owners_destroyed_the_players_in_CBA_negotiations NFL owners destroyed the players in CBA negotiations], Hard Knocks , there is more than just the intrigue of the roster s make and the future of all 32 hopeful NFL franchises as they all enter the forthcoming season with clean slates and high hopes. However,[http://control.homelinux.net/wiki/index.php/User:Taylor594#Chris_Johnson_of_Tennessee_Titans.2C_Devin_Hester_of_Chicago_B Chris Johnson of Tennessee Titans, Devin Hester of Chicago B], this year saw yet another exciting, turbulent and unprecedented offseason, which means the franchises and the NFL has some truly intriguing storylines as the team finish camps in a few weeks.<br>So here are 5 interesting, relevant and pertinent story lines facing the NFL and some of their teams as we head into the 2013 season. | ||
