Word: middlemen
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...through a broker Those middlemen typically take an up-front commission--something like 5% of the money you invest. Over 10 years, that $3,000-a-year investment thus becomes $42,133--or $2,218 less. If the advice you get is worth that price, great. If not, consider a plan sold directly to investors. Kerry O'Boyle, an analyst at investment tracker Morningstar Inc., recommends Alaska's T. Rowe Price College Savings Plan and the College Savings Plan of Nebraska. (Just be aware that if you buy an out-of-state plan, you may be giving up state...
...fulfill their social mission, staff members rely on shrewd business acumen and a few key premises. First, they trust that consumers are willing to pay a little more to help family farmers, especially if the coffee in their cup is extraordinarily tasty. They keep costs down by eliminating middlemen whenever possible. And they defy industry norms by lending cash to farmers prior to harvest. That move aims to breed loyalty, eco-friendly harvesting techniques and uncompromised bean quality...
...donors for their plasma. For the impoverished farmers, it was an easy way to supplement their income. "When I asked if they donated blood, many said yes, many, many times--30, 40, sometimes 100 to 200 times," Gui recalls. Tragically, the needles used--some in the hands of entrepreneurial middlemen known locally as "blood heads"--were not always sterile. All it would need for the virus to take hold was one HIV-positive donor...
...Saddam get the cash? Starting in 2000, many buyers of Iraqi oil, often using middlemen, deposited a total of $229 million in illegal surcharges--of 10¢ to 30¢ per bbl.--into bank accounts controlled by the Iraqi government. Meanwhile, exporters of food, medicine and other items paid nearly $1.6 billion in kickbacks, often contracted as "inland transportation" or "after-sales service" fees...
When Congress voted to censure Cameron for wasteful contracts given out to suppliers in the early days of the war, in which middlemen had made off with scandalous profits for unworkable pistols, for blind horses and for knapsacks that disintegrated in the rain, Lincoln publicly took the blame. He explained that the unfortunate contracts were part and parcel of the emergency situation that faced the government in those first days of the war. If fault was to be found, then he himself and his entire Cabinet "were at least equally responsible." For this, Cameron would be forever grateful. Similarly, colleagues...