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What's more, many states are not being transparent about where the funds go and who will benefit. An investigation by KHN and Christine Minhee, founder of OpioidSettlementTracker.com, concluded only 12 states have committed to detailed public reporting of all their spending.
As the checks start to trickle in, a handful of states are committed to transparency while others seem to be falling short. Missouri has promised to report all its spending in online reports so that anyone can see who receives money, how much, and for what programs. New Hampshire already has posted reports online, and Colorado has created a public dashboard to track how funds are used.
"Timely and transparent reporting" to the public is "an ethical responsibility," it said, and it called on lawmakers to enact greater oversight for settlement cash recipients and create a public dashboard to track spending.
There are numerous reasons that onboard credit can be added to a passenger's cruise account. It can come from a cruise deal that you've booked or from the cruise ship casino, cruise credit card rewards or other sources. Even better, this cruise equivalent of free money can often be used almost without restrictions. Just keep in mind that you'll need to spend it before you disembark your ship -- onboard credit doesn't carry over to future sailings.
Unless you're cruising with a river or luxury line, alcoholic beverages are rarely free of charge. Sure, drinks packages shave spending off your drink bill, but if you plan on keeping your beverage consumption light, using OBC is a better way to drink for free.
FT Knowledge is an associated company which offers educational products and services. FT Knowledge has offered the "Introducing the City" course (which is a series of Wednesday night lectures and seminars, as well as weekend events) during each autumn and spring since 2000. FT Predict is a prediction market contest hosted by the Financial Times that allows users to buy and sell contracts based on future financial, political and news-driven events by spending fictional Financial Times Dollars (FT$). Based on the assumptions displayed in James Surowiecki's The Wisdom of Crowds, this contest allows people to use prediction markets to observe future occurrences while competing for weekly and monthly prizes.
Third, increase spending on health. Health has always been a military as well as a civilian issue. This is particularly true with the millions of refugees from the Middle East and North Africa who are suffering appalling physical and mental health problems. Germany already has several institutes that could expand swiftly to address these and other future problems. These include the Bundeswehr Institute of Microbiology in Munich and Bernhard Nocht Institute for Tropical Medicine in Hamburg. These two institutes have already developed modular mobile laboratories that can be deployed worldwide as rapid response units to epidemics like Ebola. The Institute of Microbiology already investigates outbreaks and provides international training. Increased personnel and research capacity could ease the crisis of refugees in the Middle East and North Africa and make Germany a leading partner with the World Health Organization in responding to the next global health emergency.
There are other similar strategies. Military spending might promote research into climate change alongside developing better solar panels and renewable energy technology. Then there are the more conventional methods of committing to purchase military hardware like planes and tanks or upgrading existing equipment.
Simple suggestions undoubtedly create real logistical challenges. But they hold the advantage of practical solutions to pressing problems. Not rapidly increasing military spending could carry enormous risks for the transatlantic alliance, as lecturer on government at Harvard and fellow in the political reform program at New America Yascha Mounk has pointed out. Germans might contemplate these three suggestions when they think about how to spend it.
It can be a pretty sticky subject. Should children have the liberty to spend the money as they wish? Should a parent step in and offer guidance? Do purchases need to be discussed? We've asked money experts to weigh in on the subject.
When they're first given the money, financial experts encourage parents to allow their kids to enjoy the excitement of receiving the cash. Don't immediately start rattling off limits or suggestions on how they should spend the gift. Instead, let them show enthusiasm, and then use the occasion to start money talks.
For tweens and teens, it's appropriate to inquire about their intentions and then gently offer a few suggestions in a way to not attach any strings to the gift money, but also offer them recommendations and guidance on how they might spend it, Rebell says.
"That may mean if they spend all their gift money the first five minutes they're at the arcade, they don't get any more money from you," says Amy Morin, a psychotherapist and author of "13 Things Strong Kids Do: Think Big, Feel Good, Act Brave." "That might help them learn a little more about saving in the future."
"Eventually your children should learn to make their own spending decisions, even if it means making mistakes and potentially regretting some spending decisions," she says. If they do, the best strategy is to offer support, not judgement. "Let them know that we all make money mistakes and that the most important thing is to own it so you can learn from it, and do better next time," Rebell adds.
"Of course, you will still want to institute some bare minimum rules about what they buy," says Morin. "If, for example, you don't think they're ready for a phone, don't allow them to spend their gift money buying themselves one."
Morin also recommends seizing the moment and using the gift money issue as a teaching opportunity. "For example, you might make them save 30% of their money and then allow them to spend the rest. Savings might be for college, a car or simply for the future," she says.
"A strategy that parents can use is to have their children write down what they would like to buy," suggests Musson. "Then help them estimate a realistic price for each item. If their total is higher than what they have set aside from their gifted money to spend, let them decide what to cut out."
Next, Musson recommends asking your child to spend three days thinking about it. "They may surprise themselves with how much they change their minds in three day," she continues. "That exercise will help kids learn how not to be impulsive with spending, and it's a tactic they can use throughout their lives."
Hoff would be taken by a limo to a random home, where he would knock on the door and offer the woman of the house a chance to compete in an elaborate shopping spree at a nearby department or specialty store. Once there, the contestant would pick a card which determined the amount they had to spend (within $300, but without going over), and some other condition (for example, a minimum number of items). The spree lasted five minutes, but at the halfway point, Hoff would stop the contestant and ask a multiple-choice question, which would either raise/lower the time by 15 seconds, or the winning range by $50. At shopping's end, if the contestant reached the target range and fulfilled any other rules, she would win everything; if not, she was allowed to pick one prize as a consolation gift. Before the final total was revealed, though, Hoff would bribe her with $500 cash, and then a trip, to call off the game.
It is important to find a balance between the money you spend on necessities, the money you save, and the money you can spend on whatever you want. The easiest way to differentiate is by making a budget. A budget is a way for you to determine how much money you need to spend per month on necessities such as rent and food, decide how much you wish to save, and then understand how much money you have left over to spend.
Online exchanges including Coinbase (COIN (opens in new tab)) and Binance are popular places to buy and sell Bitcoin. But when it comes to spending it, you'll need a little more than an online portfolio.
With your dollars, pounds and yen, you can store your money in a bank. From there, you can spend it digitally, say through a bank transfer or even PayPal. You can use a debit card, too. And, of course, you can always withdraw your money and physically stuff it in a wallet and spend it that way.
And actually, it's even possible to use paper wallet services for your crypto, which is the closest you'll get to spending your BTC as if it were actual cash. With this method, you'll have a piece of paper with two QR codes: one can be used to receive cryptocurrency, and the other can be used to spend it.
Of course, if you'd prefer something simple and familiar, you can spend your Bitcoin and other cryptocurrencies by using crypto-linked debit cards. Even major processors such as Visa (V (opens in new tab)) and Mastercard (MA (opens in new tab)) offer these products, and you can use them for everyday expenses just like you would a traditional debit or credit card.
You can spend your Bitcoin in the physical world, too. While the number of options isn't nearly as robust as online, several retailing and restaurant giants have opened their companies up to accepting BTC, including:
If you spend $200 worth of Bitcoin that you purchased for $100, you will have to pay capital gains taxes on that $100 of "profit." If you spend $200 worth of Bitcoin that you purchased for $400, you can claim $200 in capital losses. (Individual filers can deduct up to $3,000 in capital losses each year.)
For now, however, the current tax code likely won't completely stop the industry's most eager consumers. But they might keep a few spenders from making purchases with their Bitcoin. Either way, anyone in the cryptocurrency ecosystem should know the tax consequences of spending their hard-earned digital coins. 041b061a72