Get A Free Sandwich At Subway With These Coupons!

If you’re in the mood for a delicious Subway sandwich, we’ve got some great news for you! Right now, you can get a free sandwich at Subway by using these coupons!

To get your free sandwich, simply print out the coupons and present them at any participating Subway location. Each coupon is good for one free sandwich, so be sure to grab a few and share with your friends!

These coupons are only valid for a limited time, so be sure to take advantage of them while you can. And if you’re not in the mood for a sandwich, you can always use the coupons to get a discount on other menu items.

So what are you waiting for? Get your free sandwich today!

Hey everyone! If you’re in the mood for a delicious Subway sandwich, then you’re in luck! I’ve got some coupons here that will get you a free sandwich when you buy one. So grab a friend and head on over to Subway to enjoy some tasty sandwiches!

To get your free sandwich, simply print out this coupon and present it to the cashier when you make your purchase. It’s that easy! So what are you waiting for? Get printing and enjoy a free sandwich on me!

In this economy, we all have to save money where we can. So why not take advantage of some great deals like this one from Subway? With these coupons, you can get a free sandwich next time you’re at Subway. Just print them out and present them to the cashier when you’re ready to pay.

Subway is a great place to get a quick and healthy meal, and with these coupons, it’s even more affordable. So take advantage of this great deal and enjoy a delicious Subway sandwich today.

Is there anything more delicious than a freshly made Subway sandwich? Probably not. And now, you can get one for free!

Just print out these coupons and take them to your local Subway. With each purchase of a drink, you’ll get a free 6-inch sandwich. Choose from a variety of meats, cheeses, and vegetables to create your perfect sandwich.

So what are you waiting for? Get printing and enjoy a delicious free lunch!

U.S. government bonds are the least-favorite asset of money managers

U.S. treasuries are not the favorite assets of money managers, according to The Associated Press.

There are various reasons not to like the financial instruments. They provide very little return and many market experts anticipate that they will lose value when interest rates start to recover from historically low levels. There are various reasons not to invest in the securities, but demand for the financial instruments remains strong.

Many investors expect that prices will fall for these financial instruments, the media outlet reports. This prediction has not materialized yet, and investors who wagered that the prices for the debt instruments would fall did not generate the returns they were looking for.

It is entirely possible that there is currently a “debt bubble” surrounding the U.S. treasuries. While demand for the U.S. debt is strong and the federal government continues to run deficits, this desire for the debt of the world’s largest economy might not be sustainable.

If investors suddenly lose their appetite for U.S. treasuries and the country still wants to operate at a deficit, default could be triggered. More importantly for investors, the returns of the securities could increase.

China Sees Surge of IPOs, But Stability Uncertain

As questions continue to rise about the wisdom of investing in Chinese companies, the nation’s IPO market has begun to pick up.

The Wall Street Journal reports that China has seen a spike in the number of companies looking to conduct initial public offerings after many businesses were forced to delay their plans during the down economy this summer. Reuters reported in September that several IPOs potentially worth as much as $4.5 billion were canceled in one week late in that month.

Now, companies ranging from wind turbine and equipment manufacturer Guodian Technology & Environment Group to Chow Tai Fook Jewellery Group, along with the country’s fourth-largest insurer and second-largest brokerage, have filed for IPOs potentially worth as much as $7.4 billion.

“A lot of IPOs have been pushed back by the narrowing market window as the European crisis evolves, but we’ve seen more companies eager to tap overseas capital for their expansion,” Fang Fang, vice chairman of Asia investment banking at JP Morgan Chase, told The Wall Street Journal. “This is driven on one hand by the continued urbanization, fixed-asset investment, and domestic consumption, and on the other hand by tight monetary supply in China.”

All told, Bloomberg reports that the Hong Kong Exchange and Clearing has seen nearly 110 companies request permission to conduct an IPO. Though less than half of that number has received approval, it still amounts to 40 companies and a full 20 are expected to complete the process before the end of the year.

The move appears to be an attempt to hop on still-high sentiment toward China as the economy begins to slow down. Reuters reports that the latest purchasing managers’ index from HSBC found continuing slowdown across the Chinese economy, with growth in the services sector dropping from 54.1 on the index in October to 52.5 in November.

Already the country has seen its annualized growth rate fall to 9.1 percent in the third quarter, but the Organization for Economic Cooperation and Development suggests that number could decline further to around 8.5 percent.

While the number of Chinese options will be high for the foreseeable future, the declining performance of the country’s economy could combine with the poor showings of several Chinese companies filing in the U.S. Chinese video site Tudou has fallen roughly 50 percent since its IPO over the summer, while its rival Youku has fallen about 50 percent from early trading and more than two-thirds from its peak over the summer.

Volatility will continue in 2012

Even if the various troubled nations resolve their major dilemmas this year, investors should be ready for volatility to continue in 2012, Reuters reports.Even if the various troubled nations resolve their major dilemmas this year, investors should be ready for volatility to continue in 2012, Reuters reports.

Even if the United States solves its fiscal deficit, China successfully copes with its economic slowdown, and Europe survives its debt problems, analysts have arrived at a consensus that volatility will continue to be a problem next year, according to the media outlet. Long-term planning and portfolio diversification will be even more crucial as a result of these continuing market fluctuations.

Fran Kinniry, who is a principal in Vanguard’s Investment Strategy Group, told the media outlet that investors “need to develop an asset allocation plan and really try not to get the short-term market to run their emotions” if they are going to invest in the right way.

He added that exchange-traded funds are an attractive option because there is a selection to choose from and they have low costs.

One problem with diversification in such a down economy is that asset classes correlate more strongly than they do during times of expansion. The Motley Fool reports that analysts are not pointing to many asset classes as clear safe havens from market swings.

How to get out of America and make good money

It’s true that an education from one of America’s universities is highly valuable. Our universities are among the best in the world, with students from all over the globe seeking admittance. But it’s also true that America’s job market is tough. It’s highly competitive and wages are relatively low, meaning grads with student loan debt often find themselves in a desperate situation, whittling away at their debt in a low-paying job.

Enter globalization. You don’t have to live in America to get a degree from one of our universities. And the job market in a foreign country may be just what you’re looking for. The option to expatriate is real, and so is online education.

Technology and globalization are two of the major trends in higher education today: around 70% of institutions offer online education, and, according to Maryville University, “Trend-setting colleges are actually expanding with physical locations overseas, in places like China and Qatar.”

For some students, the state of affairs may be such that getting an education from an American university abroad is an attractive proposition. If that’s you, there are some important things to consider.

The economies of foreign countries

Since you can access online education from virtually anywhere with internet service, one of your primary considerations will be the economies of the countries you’re considering. For one, a country with a thriving economy is more likely to have a good internet infrastructure. Two, a country with a solid economy will have more jobs to offer. Earning your degree online gives you a little more time to work and explore the local culture, because flexibility is one of the big perks of online education.

But the state of an economy is not your only consideration. In tandem with that, there’s the quality of the worklife.

According to Fast Company, if you want to work outside the US in a satisfying environment, consider the following:

  • Iceland has one of the highest employment levels at 79%, and has a great social environment, with 98% of the population reporting a supportive social network; that could be why it’s the third happiest country in the world
  • Switzerland’s employment level is also 79%, and workers between 15 and 24 have an unemployment rate lower than 8%, which is half of the global average; Switzerland is the second happiest country in the world
  • Norway’s employment level is 75%, and it’s the fourth happiest country in the world
  • Sweden ranks as the 10th happiest country, and 85% of Swedes say they have more positive experiences per day than negative ones, which is 5% above the global average

Places like Finland, Germany, and Canada also rank well when it comes to work and quality of life. But according to the Washington Post, when it comes to overall considerations for expatriation, Asian countries such as China, Singapore, and Thailand should also be in the mix. Germany and Switzerland also fare well in the overall considerations, as salaries for expats in German-speaking countries are unusually high.

There’s also the consideration of what type work you want to do. If you’re the entrepreneurial type, there’s no doubt America is one of the best countries for you. Looking to found a startup? Worldwide, Washington State University ranks Hong Kong, Canada, Singapore, and Australia as the best places, besides the U.S., in which to do so.

Practical considerations

Expatriating isn’t easy, but there are several routes to take that will make working and studying abroad easier. And of course, you don’t have to completely expatriate and give up American citizenship. There are temporary options if you just want to find out what it’s like in a different country.

First, studying abroad. More and more students are taking the community college option, which is a bit less of a commitment than university. In fact, the number of students who chose community college options abroad shot up from less than 4,000 in 2001 to nearly 300,000 in 2015.

For short-term study abroad options, CIEE Study Abroad, IES Abroad January Term, and Go Overseas all offer programs.

For a semester abroad, the California community college system, community colleges in New York, and community colleges in Texas all have a wide variety of options. But consult whichever community college you’re considering about their programs, too.

Or you could volunteer abroad and do service learning. ISA Service Learning and Global Crossroads are organizations that can help you out in this respect.

And, of course, there are study abroad options in just about any university of your choice. But if you want to expatriate, that’s a different story.

In 2014, the cost to expatriate rose by 422%, from $450 to $2,350. The State Department chalked the incredibly steep rise up to the extra work they were having to do to process departures. To put that in context, 2012 and 2013 saw a 366% rise in the number of people who expatriated. If you want to get out of here, you’re not alone.

The process is relatively simple:

  • Go to a foreign country and find a U.S. Consulate or Embassy
  • Tell a consular or diplomatic officer you want to expatriate
  • Sign a form

That’s it. But here’s the catch. When you renounce, wherever you renounce your citizenship, you’ll have to hand over your passport and will be stateless, unless you already have citizenship in another country. This will make it hard to travel, meaning you’d most likely have to stay in that country. You’ll want to choose the country where you’d like to live first. Then, either look into obtaining a work visa, or study abroad there. Next, apply for dual citizenship. After that you’ll be in a secure place to expatriate.

Weak third-quarter earnings could mean strong stock buying opportunities

While the S&P 500 has risen substantially over the last several months, the weak earnings that have been predicted by certain market experts could result in low values for stocks and strong buying opportunities for investors.

S&P’s recent rally
The blue-chip index most recently closed 0.4 percent higher at 1,450.99 on October 3. Between a recent low that the S&P Index hit on June 1 and the four-year high that it reached on September 14, the group of stocks surged 15 percent.

One major contributor to this strong rally was optimism that central bank stimulus happening worldwide will help to invigorate the stalling global economy, according to Bloomberg. The European Central Bank pledged to buy bonds in order to control the borrowing costs of troubled nations in the euro zone.

The Bank of Japan stated that it would add to a fund that it uses to stimulate the nation’s economy. In addition, Federal Reserve Chairman Ben Bernanke stated that his institution will buy mortgage-based debt at a rate of $40 billion per month for as long as needed.

Strong economic data
The media outlet reports that strong economic data reported in the recent past has served as a boon to the value of the stock market. For example, the ADP jobs report that was released on October 3 stated that 162,000 new positions were created in the United States in September, which helped to push equities higher.

Third-quarter earnings
Major companies will soon begin reporting their earnings for the fiscal third quarter, with major aluminum producer Alcoa Inc. providing figures for the period on October 9. Data compiled by Bloomberg predicts that earnings for the companies contained in the S&P 500 will drop 2 percent from the prior quarter.

“There has been an ongoing tug of war as to whether or not the liquidity coming into the markets can counteract perhaps weaker earnings,” Quincy Krosby, a market strategist for Newark, New Jersey-based Prudential Financial, which manages $943 billion, told the news source in a phone interview.

If the earnings that companies report fail to impress investors, they may push the value of various stocks lower in response and this momentum may overcome the boost that equities have received from both worldwide central bank stimulus and strong economic data. 

Great News! Financial Bonds Create Record Returns!

Financial bonds are currently on track to generate their highest annual returns ever, and this robust appreciation has motivated market participants ranging from Pacific Investment Management Co. (Pimco) to DoubleLine Capital LP to predict that the four-year rally will soon come to an end.

Sharp Appreciation 

Index data provided by Bank of America Merrill Lynch indicates that debt-based financial instruments issued by major financial services firms JPMorgan Chase & Co. to HSBC Holdings Plc. are currently on track to reach an annual return of 15.4 percent, according to Bloomberg.

If these bonds perform this effectively, they will surpass the robust return of 15.2 percent that bonds generated in 2009, the media outlet reports. The aforementioned financial bonds are currently outperforming industrial notes by 4.3 percent in 2012, which is the largest spread between the two groups of assets on record.

Global Economic Threats 

Although these bonds are generating substantial returns this year, speculation has been mounting that yields have been reduced to a point where investors might be prohibited from buying the debt-based instrument, considering the risks that are currently present in the global economy, according to the news source.

Any deterioration in the euro zone fiscal crisis could aggravate the existing interconnected nature of the global banking system. Pimco is currently in the process of selling some of its financial bonds, after speculating 15 months ago that these debt-based instruments could appreciate further.

The International Monetary Fund recently lowered its economic growth predictions for emerging markets, predicting that they will expand at an average rate of 5.8 percent during the five-year period through 2016. This figure is almost 2 percent lower than the rate of growth they had during the five years before the 2009 global economic downturn.

Bond Market Future

“It’s difficult to see the catalyst for further tightening in bank spreads,” Bonnie Baha, head of global developed credit at Los Angeles-based DoubleLine, which has more than $45 billion under management, told the news source. “They’ve had a terrific run this year.”

While the bonds issued by major financial services firms have experienced robust appreciation so far in 2012, Pimco founder Bill gross has predicted that the economy will produce many years of low bond returns, estimating that the debt-based instruments will return an average of between 2 and 3 percent annually. 

Banks Turning Elsewhere for Fees

As the surprising success of the consumer movement against fees charged by major banks begins to fade into memory, some have started questioning whether it was ultimately a success.

The recent outcry that swept through customers of the nation’s biggest banks was sparked largely by their decision to begin charging fees for using debit cards, generally in the range of $5 per month.

Banks were shocked by the opposition voiced against this plan and quickly backed off when others failed to back up their decision.

But many pointed out that the banks would have little choice in whether they increased fees, simply because of the lost revenue from the recent banking reform bill. The caps imposed on debit card transaction fees collectively lost the financial sector more than $12 billion annually.

The New York Times reports that many banks have not waited to explore options for further fees. Bank of America has already imposed a new $5 fee to replace a lost debit card with even higher charges for faster delivery. U.S. Bancorp now plans to charge 50 cents for mobile deposits and TD Bank intends to charge as much as $15 for having money wired to an account.

Even before the debit card fee fiasco, Bank of America had already raised fees for its MyAccess checking account, along with banks that were uninvolved with the debit card fees like Chase and Citigroup. These charges increased anywhere from $2 up to $10 per month to as much as $12 from potentially nothing.

The Times notes that while consumers have voiced their disapproval of new fees, the $12 billion shortfall amounts to between $15 and $20 per month from each American banking customer to meet their prior performance. With the economy struggling, the financial sector could also see another $8 billion in lost revenue from reduced lending.

Complaints have grown about customer treatment, with many suggesting that banks have made it more difficult to change accounts to save money. Many financial executives have expressed confidence consumers will not switch away from the big banks, but CNN reports that this particular complaint is the most salient among consumers. Connecticut-based consulting management firm cg42 suggests that the primary reasons people would consider switching banks are, in order, poor customer service, fees and unfair charges.

“I can see a ‘dump my bank’ as a popular [New Year’s] resolution this year,” John Ulzheimer, a credit specialist at SmartCredit.com, told the news source.

Brazilian bond funds receiving significant influx of funds

Brazilian bond funds are receiving a larger influx of capital now than at any time since 2007. This net inflow is lowering yields, and market experts have predicted that this change will have an impact on stocks, according to Bloomberg.

A total of 2.8 billion reais ($1.5 billion) flowed into fixed-income funds in October, the media outlet reports. This influx raised the total for the year to 67 billion reais, which is the highest amount since 2007.

Data compiled by Bloomberg indicates that in the last four months, yields of notes due to mature in 2014 have fallen 239 basis points to 10.46 percent. Comparatively, yields on Mexican government bonds dropped 62 basis points to 4.85 percent during the same time frame.

Bloomberg reports that Brazil intfervened in its economy to keep the value of the real low for most of the last 30 months. The country’s central bank was prompted to use derivatives to appreciate the real in September after the currency experienced its strongest five-day drop in more than 10 years.

Economic Optimism On The Rise!

A larger fraction of Americans consider their financial state to be better than it was a year ago, according to a recent Gallup poll. This is the first time in five years that the share of people who think themselves better off is higher than the amount of people thinking themselves worse off.

Improving Sentiment  

Data provided by the survey reveals that 38 percent of American participants think they are in better shape than one year ago, compared to 34 percent who think their situation has deteriorated. The fraction of people who believe things have improved is at its highest since October 2007. Comparatively, 26 percent state they their situation is unchanged.

“Right now it’s a more or less a dead heat,” Greg McBride, senior financial analyst at personal finance information website Bankrate.com, told U.S. News and World Report. “We’ve seen some improvement given stronger stock market performance, the turn in the housing market, and better news on the job front.”

The recent Gallup poll figures represent a substantial improvement from 2008, when 54 percent of participants said that their situation had deteriorated from the prior year. The following year also created a majority of respondents who felt worse off.

Gallup provided the same survey in May 2012, when 37 percent said their situation was better.

The media outlet reports that two-thirds of consumers predict that they will be in a better place financially one year in the future than they are currently. The fraction of people with this expectation has previously declined to as low as 52 percent during the summer of 2008, as market participants were impacted by the financial crisis and widespread economic challenges.

Economic Predictions  

The U.S. economy will increase its rate of expansion to grow 2.3 percent in 2013, according to the median estimate of economists participating in a USA Today poll. A total of 48 of these market experts contributed to the survey. Their forecast for next year’s growth is higher than the 1.5 percent that was experienced during the first half of 2012.

In addition, close to two-thirds of those economists expect that the fiscal cliff will be resolved without providing the economy with significant headwinds.

The economic confidence of many market observers has been bolstered in recent weeks as central banks across the world announced plans to provide further stimulus to the global economy through monetary easing. 

What Bill Gates Recommended For Covid-19

Maybe Bill Gates is not a person in the medical field or an expert in medical matters, but he is quite experienced and plays an active role in philanthropy and his wife Melinda Gates in handling cases of malaria in the world. In 2015, Bill appeared on Ted Talk and predicted that the danger of a pandemic would occur and the world would not be ready because globalization could easily spread as well as disease.

The rate of the world community who easily travel from one place to another can cause an illness will easily spread. The virus will easily spread from one country to another. Therefore, Gates suggested taking several steps to deal with this Covid 19 outbreak.

Treatment

Courtesy : cloudfront.net


According to Gates, effective treatment against the Corona virus is needed by the world community. The goal is for the community to feel safe when in public meetings such as attending seminars, watching concerts, soccer matches. He pointed to the use of blood plasma or antibodies and anti-virus and hydroxy qloroquein.

Vaccines

When asked when this pandemic will end, Bill Gates predicted it until the fall of 2021. According to him, until the vaccine was discovered, then the Covid-19 outbreak could end. the vaccine manufacturing process requires the fastest time of 9 to 18 months and if there are obstacles it can be even longer.

Tracing Record / Contact Tracking

Courtesy : wolframcloud.com


Every Covid-19 patient has to know the latest contact data with anyone and they must be quarantined. this is a way to reduce the spread of Covid-19. Gates praised Germany for conducting the interview and made a tracking database of those who had contact with positive patients of Covid-19.

Testing and Testing

Gates suggested that more health workers have access to the Covid-19 test, meaning that the testing of Covid 19 is better. It also requires a test that can provide test results within one day.

Opening of the Economy Again

Most developed countries will enter the first phase of a pandemic. The second phase of the pandemic in the next 2 months. According to him, countries that had just entered the early stages had to learn from other countries that had Covid-19 earlier to quickly find out when the right time was to reopen the economy.