UK treasure hunter finds 52,000 Roman coins

LONDON – A treasure hunter has found about 52,500 Roman coins, one of the largest such discoveries ever in Britain, officials said Thursday.

The hoard, which was valued at 3.3 million pounds ($5 million), includes hundreds of coins bearing the image of Marcus Aurelius Carausius, who seized power in Britain and northern France in the late third century and proclaimed himself emperor.

Dave Crisp, a treasure hunter using a metal detector, located the coins in April in a field in southwestern England, according to the Somerset County Council and the Portable Antiquities Scheme.

The coins were buried in a large jar about a foot (30 centimeters) deep and weighed about 160 kilograms (350 pounds) in all.

Crisp said a "funny signal" from his metal detector prompted him to start digging.

"I put my hand in, pulled out a bit of clay and there was a little radial, a little bronze Roman coin — very, very small, about the size of my fingernail," Crisp said in an interview with the BBC.

He recovered about 20 coins before discovering that they were in a pot, and realized he needed expert help.

"Because Mr. Crisp resisted the temptation to dig up the coins it has allowed archaeologists from Somerset County Council to carefully excavate the pot and its contents, ensuring important evidence about the circumstances of its burial was preserved," said Anna Booth, of Somerset Council.

Somerset Coroner Tony Williams scheduled an inquest Thursday to formally determine whether the find is subject to the Treasure Act, a formal step toward determining a price to be paid by any institution which wishes to acquire the hoard.

The hoard is one of the largest ever found in Britain, and will reveal more about the nation's history in the third century, said Roger Bland, of the British Museum. The find includes more than 760 coins from the reign of Carausius, the Roman naval officer who seized power in 286 and ruled until he was assassinated in 293.

"The late third century A.D. was a time when Britain suffered barbarian invasions, economic crises and civil wars," Bland said.

"Roman rule was finally stabilized when the Emperor Diocletian formed a coalition with the Emperor Maximian, which lasted 20 years. This defeated the separatist regime which had been established in Britain by Carausius.

"This find presents us with an opportunity to put Carausius on the map. School children across the country have been studying Roman Britain for decades, but are never taught about Carausius our lost British emperor."

The discovery of the Roman coins follows last year's discovery of a hoard of Anglo-Saxon coins in central England. The so-called Staffordshire Hoard included more than 1,500 objects, mostly made from gold.

The Portable Antiquities Scheme is a department of the British Museum which deals with treasure finds.

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How to save money by slowing down

By Lori Bongiorno

We're heading into a super busy time of year for most people. As to do lists get longer and calendars fill up it's hard to resist the temptation to race around. Slowing down may be counterintuitive, but it's good for your sanity, your wallet, and the planet.
Want to give it a try? Here are some ways to get started.

Drive the speed limit
You'll save gas, which translates into money, without having to sacrifice all that much time. Consider this scenario. If you slow down from 70 mph to 60 mph, you can reduce your fuel consumption by 20 percent. How much time will you waste? A whopping four minutes (for a 30-minute commute).

Eat slow food
The slow food movement is all about eating food that's good for people and the planet. Think of it as the antithesis of fast food. No time to make meals at home? Make a big batch of food on the weekends that you can eat during the week. The obvious place you'll save money is on take-out food, but eating healthy food is a great way to cut back on visits to the doctor and prescription medicines.

Plan ahead
Shop for holiday and birthday gifts in advance to avoid last minute pressure, which often results in spending more money than you intended. You'll also save on overnight shipping charges. Sending a package by plane emits eight times more carbon dioxide than sending by truck. Planning ahead also allows you to craft DIY gifts if you're so inclined.

Ban impulse buys
Think twice before you buy something you don't need. Resist impulse purchases by literally leaving the credit cards at home, or if you shop online, freeze the credit car in a block of ice. That'll slow down shopping! Some less radical ideas include keeping a list of what you need and telling yourself that you'll go back and buy something you covet if you're still thinking about it 48 hours later. Here are some tips for avoiding impulse buying at the grocery store.

De-stress
Try yoga, meditation, and other stress-reduction techniques for better health, and you'll reduce chances of disease, doctor visits, and expensive prescriptions. Stress management is one of the three main components in the Cleveland Clinic's Lifestyle 180 program, which seeks to give people the tools for maintaining good health.

http://green.yahoo.com/blog/the_conscious_consumer/100/how-to-save-money-by-slowing-down.html

Top 9 Companies With The Best Job Security

by Michael Kling

Wednesday, November 4, 2009

With unemployment reaching and expected to surpass 10%, job security is one of the top desires of employees today. Along with good pay and benefits, people want to find a company that's not going to give them a pink slip any time soon.

Here's a group of companies that earn high marks in that regard. Nine companies on Fortune magazine's 100 Best Companies to Work For list for 2009 have never undergone layoffs - ever.

1. Nugget Market
This company has avoided layoffs because of careful job placement and shrewd labor management. Instead of laying off workers, the 81-year-old grocery store refrains from replacing employees who leave. Its stores are 15 miles from each other, making it easier to fill positions, and employees are trained to fit various roles. The Woodland, Calif.-based supermarket chain filled 173 jobs, for a 22% job growth in the year before the list was released in February.
Sandwiched between Goldman Sachs and Adobe Systems, the store ranked number 10 on the overall list. Store directors make an average of $116,440 in annual salary, and checkers, the most common hourly workers, earn $34,490. The store also offers 100% health care coverage.

2. Devon Energy
An oil and gas producer headquartered in Oklahoma City, this company takes a conservative approach to its finances, yet still treats its employees well. Ranked 13 on the overall list, it started a 401(k) retirement plan featuring company contributions of 11-22%.
Flexible and prudent management helps avoid layoffs. The company, which cut its operating budget before the recession, withholds raises in bad years but gives midyear pay increases in good times.

3. Aflac
Known for its quacking duck ads, this company sells supplement insurance. The company, based in Columbus, Ga., keeps its eyes on its budget and ears open to employees. Employee suggestions like telecommuting and flex schedules have saved it millions of dollars. Other company benefits include an onsite fitness center, subsidized gym membership and the largest onsite corporate child care center in Georgia.

4. QuickTrip
Because this 24-hour convenience store is privately held, it can send profits back to its stores and workers instead of shareholders. Smart financial management has helped it thrive in the downturn. It offered over new 1,400 jobs last year. Wages and benefits are so good that over 200 employees have stayed with the company more than 20 years.

5. The Container Store
The storage retailer, based in Coppell, Texas, froze salaries and watched spending to avoid layoffs. Still, it kept expanding last year, opening four stores and adding 70 employees. Extensive employee training makes the company stand out.

6. NuStar Energy
Considering layoffs harmful to company productivity, NuStar management avoids them like the plague. The San Antonio-based pipeline and refinery operator also offers bonuses that can exceed $10,000 and 100% 401(k) matches for up to 6% of pay.

7. Stew Leonard's
Known for flashy store displays, this privately-held grocery chain focuses on customer service and long-term sales rather than short-term earnings. CEO Stew Leonard Jr. says selling groceries is a stable business, which helps avoid layoffs. No matter how the economy is faring, people still have to eat.

8. Scottrade
This privately-held online discount brokerage has cut bonuses instead of cutting employees. A conservative growth strategy has also helped it avoid layoffs.

9. Publix Super Markets
A strong balance sheet with no debt helped this grocery chain acquire 49 stores and hire over 1,250 people last year. In its 79 years, it has never had layoffs. No wonder - it's entirely owned by employees.
Besides never laying off employees, at least as of early this year, companies on the list are also some of the best to work for. Treating employees well means good pay and benefits - two factors that are attracting all the right workers. (Preparation can help you land on your feet after getting the "old heave-ho."

6 Simple Steps to $1 Million

Glenn CurtisMonday, October 26, 2009

Let's face it; we all don't make millions of dollars a year, and the odds are that most of us won't receive a large windfall inheritance either. However, that doesn't mean that we can't build sizeable wealth - it'll just take some time. If you're young, time is on your side and retiring a millionaire is achievable. Read on for some tips on how to increase your savings and work toward this goal.

Stop Senseless Spending
Unfortunately, people have a habit of spending their hard-earned cash on goods and services that they don't need. Even relatively small expenses, such as indulging in a gourmet coffee from a premium coffee shop every morning, can really add up - and decrease the amount of money you can save. Larger expenses on luxury items also prevent many people from putting money into savings each month.

That said, it's important to realize that it's usually not just one item or one habit that must be cut out in order to accumulate sizable wealth (although it may be). Usually, in order to become wealthy one must adopt a disciplined lifestyle and budget. This means that people who are looking to build their nest eggs need to make sacrifices somewhere - this may mean eating out less frequently, using public transportation to get to work and/or cutting back on extra, unnecessary expenses.

This doesn't mean that you shouldn't go out and have fun, but you should try to do things in moderation - and set a budget if you hope to save money. Fortunately, particularly if you start saving young, saving up a sizeable nest egg only requires a few minor (and relatively painless) adjustments to your spending habits.

Fund Retirement Plans ASAP
When individuals earn money, their first responsibility is to pay current expenses such as the rent or mortgage expenses, food and other necessities. Once these expenses have been covered, the next step should be to fund a retirement plan or some other tax-advantaged vehicle.

Unfortunately, retirement planning is an afterthought for many young people. Here's why it shouldn't be: funding a IRA early on in life means you can contribute less money overall and actually end up with significantly more in the end than someone who put in much more money but started later.

How much difference will funding a vehicle such as a Roth IRA early on in life make?

If you're 23 years old and deposit $3,000 per year (that's only $250 each month!) in a Roth IRA earning and 8% average annual return, you will have saved $985,749 by the time you are 65 years old due to the power of compounding. If you make a few extra contributions, it's clear that a $1 million goal is well within reach. Also keep in mind that this is mostly interest - your $3,000 contributions only add up to $126,000.

Now, suppose that you wait an additional 10 years to start contributing. You have a better job and you know you've lost some time, so you contribute $5,000 per year. You get the same 8% return and you aim to retire at 65. When you reach age 65, you will have saved $724,753. That's still a sizeable fund, but you had to contribute $160,000 just to get there - and it's no where near the $985,749 you could've had for paying much less.

Improve Tax Awareness
Sometimes, individuals think that doing their own taxes will save them money. In some cases, they might be right. However, in other cases it may actually end up costing them money because they fail to take advantage of the many deductions available to them.

Try to become more educated as far as what types of items are deductible. You should also understand when it makes sense to move away from the standard deduction and start itemizing your return.

However, if you're not willing or able to become very well educated filing your own income tax, it may actually pay to hire some help, particularly if you are self employed, own a business or have other circumstances that complicate your tax return.

Own Your Home
At some point in our lives, many of us rent a home or an apartment because we cannot afford to purchase a home, or because we aren't sure where we want to live for the longer term. And that's fine. However, renting is often not a good long-term investment because buying a home is a good way to build equity.

Unless you intend to move in a short period of time, it generally makes sense to consider putting a down payment on a home. (At least you would likely build up some equity over time and the foundation for a nest egg.)

Avoid Luxury Wheels
There's nothing wrong with purchasing a luxury vehicle. However, individuals who spend an inordinate amount of their incomes on a vehicle are doing themselves a disservice - especially since this asset depreciates in value so rapidly.

How rapidly does a car depreciate?

Obviously, this depends on the make, model, year and demand for the vehicle, but a general rule is that a new car loses 15-20% of its value per year. So, a two-year old car will be worth 80-85% of its purchase price; a three-year old car will be worth 80-85% of its two-year-old value.

In short, especially when you are young, consider buying something practical and dependable that has low monthly payments - or that you can pay for in cash. In the long run, this will mean you'll have more money to put toward your savings - an asset that will appreciate, rather than depreciate like your car.

Don't Sell Yourself Short
Some individuals are extremely loyal to their employers and will stay with them for years without seeing their incomes take a jump. This can be a mistake, as increasing your income is an excellent way to boost your rate of saving.

Always keep your eye out for other opportunities and try not to sell yourself short. Work hard and find an employer who will compensate you for your work ethic, skills and experience.

Bottom Line
You don't have to win the lottery to see seven figures in your bank account. For most people, the only way to achieve this is to save it. You don't have to live like a pauper to build an adequate nest egg and retire comfortably. If you start early, spend wisely and save diligently, your million-dollar dreams are well within reach.

http://customsites.yahoo.com/financiallyfit/finance/article-108017-3016-0-6-steps-to-making-your-first-million

Top 10 Money Tips for Women

by CNBC StaffWednesday, October 28, 2009

When it comes to women and finance, sometimes there's a disconnect between what women know and how they act, their ability as achiever and their financial underachieving, and between the power they have within reach and the powerlessness that rules their actions.

Financial expert Suze Orman gives her list of the top 10 money tips for women to follow:

1. Listen to Your Gut
Women are compassionate toward those in need. Instead of going with their gut, they sometimes overlook the obvious and make an emotional money mistake. "A friend, relative, loved one will approach you saying, 'I need to borrow $5,000.' You'll think 'I don't want to' and yet you say 'OK,'" Suze explains. So, think twice before you say yes if your gut is saying no.

2. NEVER Co-Sign for ANYONE
If a friend or family member asks for you to co-sign on a loan, it's probably best to say no. Suze says more often than not, the borrower will default or pay late and you risk losing money or lowering your credit score because as the co-signer, you are ultimately responsible for the loan. Say no out of love, not out of fear.

3. Save Yourself First
If you don't have enough to save for your child's college fund and your retirement, your retirement takes precedence.
As explained in Suze's book "Women & Money," women think they are actually helping their children by paying for their college or wedding. It's a myth. You help your children by saving yourself first. If you retire without ample money to support yourself, you will become a financial burden to your children. There are plenty of loans for college, but there are no loans for retirement.

4. Don't Hand Over Finances to Your Husband or Partner
Suze says women often hand over their family financial matters to their partner because they are either scared, lazy or following an old-fashioned role.
Being in control of your financial destiny requires that you be an active participant -- not just by paying bills, but in overseeing your investments, too. Suze: "Take this step and I think you will be surprised how this helps your relationship."

5. Don't Put Yourself on Sale
Don't treat yourself like you're on sale. If you're reluctant to put a real value on what you do, then it diminishes who you are. As Suze explains, women tend to devalue what they do.
This creates a vicious cycle: "When you devalue what you do, it becomes inevitable that you -- and those around you -- devalue who you are." Women will settle for less. They may offer discounted prices on their services or accept a smaller raise, even when the company is doing well. They have to ask for what they know is "right."

6. Protect Your Assets: Get a Pre-Nuptial Agreement
The basic rule is that you are jointly entitled to assets accrued during a marriage and you are on the hook for debts accrued during the marriage. Anything you bring into the marriage is not automatically shared. Protect your assets.

7. No Blame, No Shame
Two of the heaviest weights women carry (invisible twin obstacles of the past) are the burden of shame and the tendency to blame. Suze explains: "If you don't feel confident in your knowledge of how money works, you hide behind the shame of it, deferring decisions to others or staying stuck in a pattern of inaction. You blame society, your parents, your husband/partner or all of the above. Blame renders you powerless and shame only serves to hold you back." You have to go and find out about personal finance for yourself.

8. Take Care of Your Money
Women nurture people and things that are important to them. So take care of your money the way you do your husband/partner, family, friends, pets, plants and clothes. Cherish money like all of the other irreplaceable items in your life. Find wise investments, save and don't throw it away on meaningless things.

9. Don't Make Your Underage Children Life-Insurance Beneficiaries -- It's a No-No!
Life insurance companies will not make a payout to children under 18 years of age. Suze suggests you create a trust account and name the trust as the beneficiary of your life insurance policy.

10. Own the Power to Control Your Own Destiny
Give to yourself as much as you give of yourself. Power comes from who you are, not what you have, and the transformation starts with how you allow others to treat you. Do what's right, rather than what's easy.
Suze says, "Remember to muster up your courage and silence your fear ... keep your eye on the goal, on what you really want to accomplish, no matter what anyone says or does to deter you. Just keep moving forward."

http://finance.yahoo.com/banking-budgeting/article/108029/top-10-money-tips-for-women?mod=oneclick