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2311

LOL. You think the game is fair, big man? You think its all about that one big idea, and then you're gonna be rich? Why don't you finish high school, and get a real job and plan your big startup, and then we'll have this conversation.

2322

thats my main regret - similar to cfa vs. mba they only hire kids right out of top tier schools with inflated gpas (harvard im looking at you) and these kids dont know their asses from their elbows and they immediately get into the models and bottles mindset id take a state schooler with a level head any day over wanna be rainmakers

2325

"Economic hardship is just as misleading as ""economic slavery"". If you are working two jobs and can't afford rent... How can you better yourself? Sure, if you are exceptionally intelligent and/or charismatic and/or exceptionally great in some other way, you could find a way out of the hole. But if you are working two full-time jobs and are trying your best - that should be enough. I personally am against a $15 minimum wage - even on a local level, much less a state or federal level, but I very much support legislation that ensures someone who works 85 (or 60) hours a week (that's 12 hours a day for 85 hours per week) can get by. By ""getting by"" I mean can rent modest housing, can afford nutritious food, can afford decent health insurance, can buy clothes (maybe second-hand), can put a bit into savings, etc. Minimum wage jobs are done by young people just entering the job market and older people with few skills. Better to have legislation that takes that into account. High school and college kids won't be working 60-85+ hours a week. Save the subsidies for the people that really need them."

2326

"Yes. Since it is our duty to give aid to helpless children, even when their parents make ""bad"" choices. As a society we combat this situation with education so that people will understand that having children they ""can't afford"" is a bad idea. Contraception and financial education is essential in this situation."

2329

"This is the best tl;dr I could make, [original](http://www.msn.com/en-us/money/companies/shell-prepares-for-lower-forever-oil-prices/ar-AAoVbwb) reduced by 88%. (I'm a bot) ***** > LONDON-Royal Dutch Shell PLC laid out a pessimistic vision for the future of oil on Thursday, even as the company reported success in generating cash during a prolonged downturn. > Shell Chief Executive Ben van Beurden said the company has a mind-set that oil prices would remain "Lower forever"-a riff on the "Lower for longer" mantra the industry adopted for a price slump that proved unexpectedly lasting. > Oil's fragile recovery since then to around $50 a barrel has helped the sector, but Shell and its peers have also engaged in aggressive efforts to bring down costs so they can survive at lower prices. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6pz8ur/shell_prepares_for_lower_forever_oil_prices/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~177293 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **oil**^#1 **company**^#2 **Shell**^#3 **billion**^#4 **cash**^#5"

2338

The answer to this question is related to another question: How would I invest in Uber? Given that Uber is a privately-held company, the average investor cannot directly buy stock. However, there are some indirect methods that you can use to invest in Uber, and as a result, it is also possible to indirectly short Uber. One method is to invest in (or short) companies that invest in Uber. Alphabet/Google (GOOG) owns some, as well as Microsoft (MSFT), Toyota (ADR), and other companies. Theoretically, you could short these companies, as a hit to Uber would be bad for those companies. Another method would be to look at Uber's competitors. Think about what companies would do well if Uber went under. Lyft, perhaps, although it is so similar to Uber that if one has trouble, the other may as well. Perhaps instead you might invest in a traditional taxi company, or a company that provides services to taxi companies, such as Medallion Financial Corporation (MFIN). Keep in mind that either investing or shorting any of these is not really the same as investing/shorting Uber. It provides you some exposure in Uber, but your investment is also affected by many other things that have nothing to do with Uber. For more information, see the Investopedia article Ways to Invest in Uber before It Goes Public. For the record, I don't recommend that you do any of this.

2346

If you are looking to open an NRE Account, the banks have now made the process very simple and quick.Here, we will have a detailed look at what NRE Account is and how to open one such account.For more details, visit https://www.icicibank.com/nri-banking/nri-banking.page?

2347

"I really don't understand. Yes, facebook overpriced their IPO. I suppose they may have to renegotiate some of their retention deals. On the other hand, they brought in significantly more capital than if they had priced the deal ""correctly"". If anything, Ebersman did a great job of getting facebook the maximum amount of capital while at the same time giving up the minimum amount of equity."

2348

If you make paying off those loans a priority, you will find money where you can and also look for stuff to sell around your home and also look for as much extra work as you can stand.

2366

> The CEO of Canada’s largest grocery and drugstore chain has warned his shareholders that minimum wage hikes across Ontario and Alberta will cost his company an additional $190 million in expenses next year. > “We are flagging a significant set of financial headwinds and the organization is mobilizing all of its resources to see whether or not it can close that gap,” said Loblaws Companies Ltd., CEO Galen G. Weston earlier this week. Is that really so bad of a quote? He's saying it's something they need to be aware of and address... I don't get the headline.

2369

So I learned that your employer CAN force you to make employee contributions. However, this source seems to think that the mandatory employee contributions do not count against the 402(g) limit of $18,000.

2376

It depends on whether you want a career as a fund manager/ analyst or if you want to be an investor/ trader. A fund manager will have many constraints that a private investor doesn’t have, as they are managing other people’s money. If they do invest their own money as well they usually would invest it differently from how they invest the fund's money. Many would just get someone else to invest their money for them, just as a surgeon would get another surgeon to operate on a family member. My suggestion to you is to find a job you like doing and build up your savings. Whilst you are building up your savings read some books. You said you don’t know much about the financial markets, then learn about them. Get yourself a working knowledge about both fundamental and technical analysis. Work out which method of analysis (if not both) suits you best and you would like to know more about. As you read you will get a better idea if you prefer to be a long term investor or a short term trader or somewhere in-between or a combination of various methods. Now you will start to get an idea of what type of books and areas of analysis you would like to concentrate on. Once you have a better idea of what you would like to do and have gained some knowledge, then you can develop your investment/trading plan and start paper trading. Once you are happy with you plan and your paper trading you can start trading with a small account balance (not more than $10,000 and preferably under $5,000). No matter how well you did with paper trading you will always do worse with real money at first due to your emotions being in it now. So always start off small. If you want to become good at something it takes time and a lot of hard work. You can’t go from knowing nothing to making a million dollars per year without putting in the hard yards first.

2377

>If you're a non-target like me this is how it is. With hard work and intelligence we will get what we want though. I suggest looking into the CFA program. I think networking might be more effective on that front. I'm from a non-target (and not even in finance) yet it seems like talking to people has gotten me a lot further than anything else. I've been surprised at the number of bankers who are willing to give me the time of day.

2390

But Uncle Sam isn't just borrowing money from other people/countires. He's borrowing money from himself..... with printed money. The ostensible purpose of QE, Operation Twist, et al, is to force interest rates down largely through the monetization of government debt. So to reference interest rates as if they were some neutral barometer of America's financial strength is a bit spurious.

2393

"If you don't want to take any risk and you want your money to be liquid, then the best place to ""invest"" such money is in an insured bank deposit, such as a high interest savings account. However, you aren't likely to find a savings account interest rate that comes close to that charged by your mortgage, so the better decision from a numbers perspective is to pay down more on your mortgage or other debt. Paying down your debt has almost no risk, but has a better payoff than simply saving the money in a bank account. However, if you choose to pay down more debt, I suggest you still keep aside enough cash to have an adequate emergency fund. Since you want safety and liquidity, don't expect high returns from such money."

2406

I'm saying children have no self-control in the things they demand. Parents typically buy their kids toys so they can have fun and keep themselves busy and most parents see it as time they earn for themselves so they're willing to buy their kids some toys if it means it'll shut them up

2408

"I did read your comment, and all the other ones that referred to me as ""he."" Believe it or not, the melodrama you see is imagined. I didn't write, for example, ""This stupid fucker doesn't realize I've got a vagina."" And I wasn't arguing with your anecdote, I was supporting it for the other people reading. That's why I said ""you (not OP)."""

2413

As I understand it, US federal gift tax doesn't kick in at all until one person gives more than about $14,000 in a single year. (So a couple can give someone $28,000.) If you want to give more than that in a lump sum while avoiding gift tax, one workaround is to structure it as an intra-family loan. Basically, you write (and formally register) a loan for the amount, then gift them with up to the limit for them to pay off that loan. The IRS requires that you charge interest on this loan, but the rates are pretty minimal and of course you can incorporate that in the gift. The downside is that the interest income you're required to take is taxable, but that's a comparitively small sum. (On the other hand, if the loan is a mortgage against real property, and properly filed as such, the interest paid may be deductable for the person you're giving the money to.) Doing this properly requires a tax accountant or lawyer who has a clue about the right legalese to make it work. However, there are starting to be some services which specialize in this, doing it for a fixed fee. I used one of those recently, which is why I'm somewhat familiar with this process; they made it about as much of a fill-out-the-forms process as they could, but it still took a few weeks for me to figure out which options were best for my needs.

2417

AuDatingSites provides safe and clean dating and friendship service for the Austraila's single men and women. Finding a new girlfriend is your own challenge, We want to help you and back on the way to Girls for sex recovery. You might not realize this, but there are a lot of girls out there who is just wanting sex, just like yourself. Anymore wanting a partner for a no strings attached affair is not really a big issue.

2420

Your reasoning has completely broken down now. So if I have this straight, given that shittiness is a constant in people, your solution is to give a few people all the guns and unlimited power over everyone else? Have I got that about right? Man, never go full retard. That flies in the face of everything this country was built to be. Do us all a favor, catch a flight to Venezuala and stay there. At the very least, the private sector is policed by the government according to the rule of law. Who polices the government when the people no longer have any authority or power over it?

2421

A bank will never tell you how much they made off you when you are a customer. That level of information can be gleaned somewhat from the P&L it posts to its shareholders every FY. TLDR: It's how much you earned and should report as income in your tax documents.

2430

I love how our society has spent the last few decades removing risk from everything. It starts by not allowing kids to play during recess, everyone is a winner! Now we have a lot of people who are coming of age with this up-bringing and they simply can't understand how their own actions and work can cause them harm. People assume that risk isn't something they have to be concerned with. When I was shopping for homes they wanted to approved me for $350K. Even if I spent money on nothing else I wouldn't be able to afford that. One minor bill and I'd be fucked. The stock market is the same thing. People make big investments and when they go bad we need to bail them out because it wasn't their fault...really? They didn't play a part in their own going under? I simply don't buy it. We need to stop allowing this behavior and let companies and people go under. It's not my problem that you have no self control and don't understand the basics of trial and error. People need to learn their actions have consequences and maybe we'd live in a slightly better world.

2436

"Xero and WaveAccounting can make things easy, but they also have their limitations. I've used both for short periods of time but found both of them to be lacking. While the ""ease"" is appealing, the ability to drill into the details and get good reports is the downfall of both of these accounting systems. QuickBooks may seem like the easy answer here, but it really is the best for getting the power you want without getting too complicated."

2440

We're not talking about what's good for the parents, dude. Obviously the best possible solution is for the government to pay people to raise their kids at home but sadly the western economies are structured around the majority of people doing work 9-5.

2456

In the US you can walk into some retail stores and use your paypal to pay directly. Some of them sell prepaid debit card. By one and use it to pay your bill. If you're not in the US - check if some local retailers allow that. I believe in the UK they have some that allow paypal as well.

2460

Credit scoring has changed recently and the answer to this question will have slightly changed. While most points made here are true: But now (as of July 2017) it is possible having a large available credit balance can negatively effect your credit score directly: ... VantageScore will now mark a borrower negatively for having excessively large credit card limits, on the theory that the person could run up a high credit card debt quickly. Those who have prime credit scores may be hurt the most, since they are most likely to have multiple cards open. But those who like to play the credit card rewards program points game could be affected as well. source

2465

If you have a copy of the deed, or the original deed itself, take it to a lawyer and have them look it over with you and your other sister. Mention all the details you mentioned here - exactly what you want to do with the property, any correspondence you've had with your sister, and where the property is located. We can't give you any advice without being able to see the deed, and we're not qualified to give any advice outside of 'get a lawyer', because we're not lawyers. Get one, and arm him with as much information about the situation as possible.

2481

A government is there to serve the people. Under this logic, a government is doing a disservice to its people by allowing a corportation to have a signicantly lower tax rate in relation to the value a corportation would gain from doing business in that country. For all I know, Starbucks would only do business in the UK if the value it sees from doing business there is at the tax rate it is paying out now. However, like a corportation testing the markets for price, the UK government is doing a disservice to its own people for not doing its own research on the value Starbucks is seeing.

2485

> The problem as I see it, is that the die-hard Tea Partiers who want to curb gov't spending, bristle whenever you add the DOD to the equation. That's one of the many reasons that the Ryan plan is bullshit. I'd keep the NSF but ratchet back the others like you describe. You might enjoy reading [this plan](http://philip.greenspun.com/politics/economic-recovery), which hits on a number of other important points.

2512

"It's called paper trading because you do it on paper. So just do literally that for a little while. Write things down like ""buy 100 XYZ at $49.99 on 9/29."" Then note the price each time you look it up, graph it each day, draw trendlines, calculate your ROI, etc. In pencil or ink, up to you. It'll give you good insights into what all that software is trying to do for you, and when it's trying to fool you."

2519

"The first thing I'd do is to find out your credit (FICO) score. If you have a good one, try to get another card with a lower rate. Then call up the lender, point to your good score, and your alternatives. If you have a bad score, do nothing. ""Let sleeping dogs lie."""

2528

This is essentially a reimbursement of your expense. Since you can deduct the expense, the fact that the reimbursement is taxable doesn't affect you much. You deduct your home office expenses on your annual tax return using form 8829. See the IRS site for more details. If you're asking about the UK tax, there may be some other considerations, but from the US tax perspective it is (nearly) a wash.

2547

You're 100% right! The IRR is the rate at which the project breaks even. You project cash flow/profitability metrics, and then you see what, under your projections, is the discount rate at which your project breaks even (the IRR). But remember, it breaks even today! So it's saying that you should make a worthwhile investment today because the return that you will obtain at points in the future are worth you putting your investment in today! You still make a healthy return overtime if you project a reasonable IRR, but your IRR is showing you whether it's at least as worth it today to put your money in today (whether, given what you'll make over the future, it's at least as worth it to put your money in today).

2562

Well, the article requires a login, so the only input I have is that the floor for cell phone plans is about $25 per month. There's no reason to price a product way below competition unless you don't care about revenue

2565

Actuit offer accounting services to help you in carry out non key activities of your business. Our accounting and online bookkeeping services not only will reduces your cost but also enables you to focus on more critical functions of your business, like your customers by providing you reliable completed work on time for you to act.

2578

It's funny, I was complaining about this very same phenomenon in a different thread maybe a week ago. It seems like the RA is the only way to go if you have any sort of power over the I-Banks

2619

Whether or not it is logical probably depends on individual circumstance. When you take on (or maintain) debt, you are choosing to do two things: The first is clear. This is what you describe very well in your answer. It is a straightforward analysis of interest rates. The fixed cost of the debt can then be directly compared to expected return on investments that are made with the newly available cash flow. If you can reasonably expect to beat your debt interest rate, this is an argument to borrow and invest. Add to this equation an overwhelming upside, such as a 401k match, and the argument becomes very compelling. The second cost listed is more speculative in nature, but just as important. When you acquire debt, you are committing your future cash flow to payments. This exposes you to the risk of too little financial margin in the future. It also exposes you to the risk of any negatives that come with non-payment of debt (repossession, foreclosure, credit hit, sleeping at night, family tension, worst-case bankruptcy) Since the future tends to be difficult to predict, this risk is not so easy to quantify. Clearly the amount and nature of the debt is a large factor here. This would seem to be highly personal, with different individuals having unique financial or personal resources or income earning power. I will never say someone is illogical for choosing to repay their debts before investing in a 401k. I can see why some would always choose to invest to the match.

2626

Amazon is already experimenting with a private label called Wickedly Prime. It's not that great. Expecting that to disappear if the WFM deal goes through. I'm still waiting for Prime Pantry/Fresh not to seriously suck. Having to pay an extra membership fee on top of my Prime membership for the luxury of being able to get food delivered (and a delivery fee on top of that, mind you) really burns my ass. Not to mention the fact that when I tried Pantry, delivery took two weeks. No thanks.

2633

"This is analyst speak for ""the stock isn't going anywhere anytime soon"". Remember these guys are offering advice to the entire universe in a few lines, so the advice gets fortune cookie-like. When I look at these things, I care more about when the analyst changes their opinion more than what the opinion is. If you really trust this person, you should listen to the earnings call for the stock (or read the transcript) and listen for the questions asked by the analyst. Usually you'll be able to understand why the analyst feels the way he does."

2646

I meant the form factor - it's a tablet form factor. It's not something new, or refreshing... something that Nintendo used to be great with - the anticipation built for it's next design, for both consoles and handheld consoles. It has a custom SoC from a known architecture from NVIDIA, and where it should have been amazing - it comes short imo (battery life). Probably in one year period it's performance will be matched with high end tablets with off the shelf SoCs... ARM SoCs that support Vulkan for example, over NVIDIA closed source libraries. The thing is performance isn't everything - and Nintendo it's the proof of such concept. Currently it's all about the IP.

2648

I am in the process of writing an article about how to maximize one's Social Security benefits, or at least, how to start the analysis. This chart, from my friends at the Social Security office shows the advantage of waiting to take your benefit. In your case, you are getting $1525 at age 62. Now, if you wait 4 years, the benefit jumps to $2033 or $508/mo more. You would get no benefit for 4 years and draw down savings by $73,200, but would get $6,096/yr more from 64 on. Put it off until 70, and you'd have $2684/mo. At some point, your husband should apply for a spousal benefit (age 66 for him is what I suggest) and collect that for 4 years before moving to his own benefit if it's higher than that. Keep in mind, your generous pensions are likely to push you into having your social security benefit taxed, and my plan, above will give you time to draw down the 401(k) to help avoid or at least reduce this.

2653

I would not sell unless the stock is starting to fall in price. If you are a long term investor you can review the weekly chart on a weekly basis to determine if the stock is still up-trending. Regarding HD below is a weekly chart for the last 4 years: Basically if the price is making Higher Highs (HH) and Higher Lows (HL) it is up-trending. If it starts to make Lower Lows (LL) followed by Lower Highs (LH) then the uptrend is over and the stock could be entering a downtrend. With HD, the price has been up-trending but seems to now be hitting some headwinds. It has been making some HHs followed by some HLs throughout the last 2 years. It did make a LL in late August 2015 but then recovered nicely to make a new HH, so the uptrend was not broken. In early November 2016 it made another LL but this time it seems to be followed by a LH in mid-December 2016. This could be clear evidence that the uptrend may be ending. The final confirmation would be if the price drops below the early November low of $119.20 (the orange line). If price drops below this price it would be confirmation that the uptrend is over and this should be the point at which you should sell your HD shares. You could place an automatic stop loss order just below $119.20 so that you don't even need to monitor the stock frequently. Another indication that the uptrend may be in trouble is the divergence between the HHs of the price and the peaks of a momentum indicator (in this case the MACD). The two sloping red lines show that the price made HHs in April and August 2016 whilst the momentum indicator made LHs at these peaks in the price. As the lines are sloping in different directions it is demonstrating negative divergence, which means that the momentum of the uptrend is slowing down and can act as an early warning system to be more cautious in the near future. So the question you could be asking is when is a good time to sell out of HD (or at least some of your HD to rebalance)? Why sell something that is still increasing in price? Only sell if you can determine that the price will not be increasing anymore in the near to medium term.

2656

One such place where you can sell your photos is iStockPhoto. They are pretty picky about the photos they allow, so you should be a pretty good photographer and have good equipment. It can take a while to build up an interest in your photos, but once you do you can make some decent money off it. My sister is a semi-pro photographer and makes about $500 a month off photos she sells there.

2699

Thank you! I've worked for two big companies that made the change and I now cringe when asked to use PowerPoint, Outlook or Excel. The level of collaboration with Gsuite is unparalleled. Plus, once you learn the small details, Gsuite basically provides the same exact tools with additional functionality. Sounds like this company is maturing.

2702

Ben Miller offers you sounds advice. However, if it comes down to it I would reach out to a lawyer to negotiate this for you. If what you are presenting is true then you could easily sue them for the damages incurred. I have been in a similar situation and unfortunately using the lawyers is what was required to get the solution resolved. Based on my previous experience a simple letter from a local lawyer office would get this dropped pretty quick and should cost you around $150. Best of luck!

2703

Cool, I think if you can do that you can make anything a habit. As much as I believe in meditation I probably only mange about ten months out of twelve. I've also taken up morning journaling - The Five Minute Journal is my journal of choice but any method that you stick with is good.

2705

"I'm impressed. She must have a substantial income to agree to a $500/month car payment. I imagine her income is about 20K per month for that to make sense. What kind of work does she do? To answer your question, typical lease do not work the way you describe. Paying an extra $2000 will allow you to skip 4 payments (provided the payments were exactly $500) any time in the future. It does not modify the terms of the lease which would include the payment amount. Also one does not receive a fiance charge reduction benefit as with a loan. Essentially you are providing a loan to the leasing company for free. To be explicit you cannot tell the mortgage company anything as she is applying for the loan, not you. She can tell the mortgage company the new payment is $400, but she would be falsifying the application which is not advisable. Perhaps the mortgage company is doing her a favor. They are indicating her life is out of control financially. Either she is attempting to purchase way to much home or her consumer debt is out of control. It could be a combination of both. My first paragraph was written to be ""tongue in check"" in order to demonstrate absurdity. Without a substantial income and an substantial net worth, a 500/month car payment is simply ridiculous. While it is someone average, when you compare it to the average income (~54K/year) you understand why 78% of US households live paycheck-to-paycheck (are broke), and have no retirement savings. For your and her sake, please stop giving all your hard earned money to banks."

2709

Yahoo is actually a successful media company outside of the geek set. Yahoo Sports and some of their women's mag content are quite popular. It just looks awful to geeks because we remember it being a competitor/predecessor to Google, and we watched them run Flickr and various other properties they bought into the ground.

2718

The Canada Revenue Agency does indeed put out just the guide you want. It's at http://www.cra-arc.gc.ca/E/pub/tg/rc4070/rc4070-e.html - you should always take a good look at URLs to make sure they're really from the government and not from some for-profit firm that will charge you to fill out forms for free services. It covers ways to structure your business (probably a sole proprietor in your case), collecting and submitting GST or HST, sending in payroll remittances (if you pay yourself a T4 salary), and income tax including what you can deduct. It's a great place to start and you can use it as a source of keywords if you want to search for more details.

2723

Fair enough and I appreciate the advice. But I think in some cases we have a duty to point out contradictory statements, especially if they could be misleading to the average person. I don't want some poor kid who scraped together a few bucks, sees the big revenue numbers and assumes it's a sure thing.

2742

The other day, I was catching up on some saved articles while sitting next to my girlfriend on the couch. I was reading [Levine's article](http://www.bloombergview.com/articles/2014-08-12/biotech-firm-didn-t-enjoy-its-six-days-as-a-public-company) about the failed Vascular Biogenics IPO and kept literally laughing out loud. My girlfriend asked what was so funny so I read her this bit; > I was a capital markets banker for four years, and a corporate lawyer before that, and today I did a thing I've never done before, which is read an underwriting agreement. Nobody reads underwriting agreements! The point of an underwriting agreement is for junior lawyers to get practice using track changes in Word. I don't think I've ever seen a more disinterested stare from her, but I don't care, that shit is hilarious.

2748

from what i understand, which is not much, some companies use some of their own company shares as securitisation for loans. If the share price decreases, the security in the loan decreases, which means the company would need to find new capital. It can create a vicious cycle if the fall in share price is the result of operational concerns.

2755

The point of co-signing for a friend is that they're your friend. You signed for them in the belief that your friendship would ensure they didn't burn you. If your friend has hung you out to dry, basically they aren't your friend any more. Before you lawyer up, how's about talking to your friend as a friend? Sure he may have moved away from the area, but Facebook is still a thing, right? It's possible he doesn't even realise you're taking the fall for him. And presumably you have mutual friends too. If he's blanking you then he does know you're taking the fall and doesn't care. So call/message them too and let them know the situation. Chances are he doesn't want all his other friends cutting him off because they can see he'd treat them the same way he's treating you. And chances are they'll give you his number and new address, because they don't want to be in the middle. If this fails, look at the loan. If it's a loan secured against something of his (e.g. a car), let it go. The bank will repossess it, and that's job done. Of course it will look bad on your credit for a while, but you're basically stuck with that.

2768

They use an amortization table like can be found Here. The Forumula is not that complex where: A = payment Amount per period P = initial Principal (loan amount) r = interest rate per period n = total number of payments or periods You will need to add 50 to the A to account for the payment fee amount though.

2788

"It was bound to happen, it's just happening sooner because they can use the excuse of minimum wage rising. After McD's does it other places are soon to follow to ""stay competitive"". We can address the situation now and start training people for jobs that will be available in 20 years or we can argue about entitled people/bad businesses and everyone will suffer sooner or later."

2790

Couple of ways they save money which doesn't seem significant but actually makes a big difference * debit and cash only * shoppers get and put away their own carts * low shop size * private label and high number of product turnover * Low employee counts * Low technology costs & decoration costs * Cash on order (from shop to distributor) * Just in time supply chain * German efficiency

2809

"I'm in a similar situation. First, a 529 plan can be use for ""qualifying"" international schools. There are 336 for 2015, which includes many well known schools but also excludes many schools, especially lower level or vocational schools and schools in non-English speaking countries. I ran 3 scenarios to see what the impact would be if you invested $3000 a year for 14 years in something tracking the S&P 500 Index: For each of these scenarios, I considered 3 cases: a state with 0% income tax, a state with the median income tax rate of 6% for the 25% tax bracket, and California with an income tax rate of 9.3% for the 25% tax bracket. California has an addition 2.5% penalty on unqualified distributions. Additionally, tax deductions taken on contributions that are part of unqualified distributions will be viewed as income and that portion of the distribution will be taxed as such at the state level. Vanguard's 500 Index Portfolio has a 10 year average return of 7.63%. Vanguard's S&P 500 Index fund has a 10 year average return of 7.89% before tax and 7.53% after taxes on distributions. Use a 529 as intended: Use a 529 but do not use as intended: Invest in a S&P 500 Index fund in a taxable account: Given similar investment options, using a 529 fund for something other than education is much worse than having an investment in a mutual fund in a taxable account, but there's also a clear advantage to using a 529 if you know with certainty you can use it for qualified expenses. Both the benefits for correct use of a 529 and the penalties for incorrect use increase with state tax rates. I live in a state with no income tax so the taxable mutual fund option is closer to the middle between correct and incorrect use of a 529. I am leaning towards the investment in a taxable account."

2810

The author is using the simple Dietz method, (alternatively the modified Dietz), with the assumption that the net cash-flow occurs halfway through the time period. Let's say the time period is one year for illustration, so the cash-flow would be at the end of the second quarter. The money-weighted method gives a more accurate return, but has to be solved by trial-and-error or using a computer. The money-weighted return is 11.2718 % and the simple or modified Dietz return is 11.2676 %. When the sums are done backwards to check, the Dietz is half a dollar out with a final value of $11,999.50 while the money-weighted return recalculates exactly $12,000. It is worth pointing out that the return changes if the cash-flow is not in the middle of the time period. A case with the cash-flow at the end of Q3 is added to illustrate.

2818

They did this before. Said they were building a new factory in PA a few years ago. Have yet to do anything. This will be really embarrassing if they don't deliver after Trump made this huge deal of it at the White House. Probably should have looked into this company's pretty long history of not delivering on these type of projects.

2823

"These are all virtual meetings. The reasons are varied. For a lot of the best people, they are simply too busy to be that proactive - they are constantly in fire fighting mode, but want to be involved and help, so they dial in, and multitask. I get that, but in the end it is a poor use of everyone's time and focus. I try and suggest things to people like booking time on their calendars for catching up on paperwork or emails (and avoiding all day meetings), but in the end I have no control on how they manage their time and work. My peers are also at fault in that - there are way too many managers that think any topic over three emails must have a meeting, or have massive meetings every week just to read a powerpoint. I would love to have some enterprise rules on meetings, like - ""meetings should only be between 9-11, 1-4."" Or ""no more than 10 people per meeting,"" - think about the per hour cost of a 30 person meeting."

2825

Inflation is bad for people with lots of cash assets. It's good for debtors, particularly debtors with unsecured debt.

2828

"> ""The thing that is working to Foxconn's advantage here is that there were several states competing for this"", thats exactly it. This is the problem. It's a net loss for the country. Sure, Paul Ryan's district (what a coincidence right?!) benefits, but that's at the expense of Pennsylvania (the last place Foxconn claimed they were building a factory and never did.) It's just a race to the bottom."

2830

If you are tired of acting as the bank after selling your Real Estate and owner-financing the loan with a promissory note, we can offer a sound and painless exit strategy today. We can fund the purchase in as little as 15 business days. We at Cash Note USA buy Real Estate Promissory Notes Nationwide. We Purchase Owner Financed Mortgage, Land Contract, Contract For Deed, Deed Of Trust, Private Mortgages, Secured Notes, Business Notes, Commercial Notes and Partial Notes and many kinds of seller carry back mortgage notes. Convert Real Estate Note To Cash Now.Sell Your Mortgage Note Fast & get More Cash For Your Note. You will get a Fair Offer Within 24 Hours.Get your Note cashed today! Cash Note USA is a note buyer all over the nation. Convert your mortgage payments into cash. Simple closing process. We buy Promissory Notes, Real Estate Trust Deeds, Seller Carry Back Notes, Land Contract, Contract for Deed, Privately Help Notes, Commercial Mortgage Notes & Business Promissory Notes. Contact Us: Cash Note USA 1307 W.6th St.Suite 219N, Corona, CA 92882 888-297-4099 cashnoteusa@gmail.com http://cashnoteusa.com/

2835

Negotiation is a very practical topic, and I learned more about it from this book then my MBA classes. Getting More: How to Negotiate to Achieve Your Goals in the Real World Hardcover by Stuart Diamond

2854

Don't quote me on this, but... Half-Life 3. r/nocontext +/u/User_Simulator PostNationalism 12pm UTC Really like the Red Stripe, they look so so so good. Would love to win them! I'm sad bad bot https://en.m.wikipedia.org/wiki/Internet_bot Rock! Enjoy. ^(Tiddies) ^^Have ^^a ^^nice ^^day ^^by ^^the ^^way.

2860

"I'm not aware that any US bank has any way to access your credit rating in France (especially as you basically don't have one!). In the US, banks are not the only way to get finance for a home. In many regions, there are plenty of ""owner financed"" or ""Owner will carry"" homes. For these, the previous owner will provide a private mortgage for the balance if you have a large (25%+) downpayment. No strict lending rules, no fancy credit scoring systems, just a large enough downpayment so they know they'll get their money back if they have to foreclose. For the seller, it's a way to shift a house that is hard to sell plus get a regular income. Often this mortgage is for only 3-10 years, but that gives you the time to establish more credit and then refinance. Maybe the interest rate is a little higher also, but again it's just until you can refinance to something better (or sell other assets then pay the loan off quick). For new homes, the builders/developers may offer similar finance. For both owner-will-carry and developer finance, a large deposit will trump any credit rating concerns. There is usually a simplified foreclosure process, so they're not really taking much of a risk, so can afford to be flexible. Make sure the owner mortgage is via a title company, trust company, or escrow company, so that there's a third party involved to ensure each party lives up to their obligations."

2864

Компанията предлага най-добрите ИТ продукти. Ние даваме различни видове продукти, като например 3D флаш, USB Flash и Power банка. Използвахме много лесно 3D светкавицата, Power банката и USB Flash. Флаш паметта е форма на непрекъсната памет, която изтрива данни в притурки, наречени блокове. Блокът, съхраняван на флаш миг за размисъл, трябва да бъде изтрит, преди данните да бъдат записани или програмирани към микрочипа. Възпроизвеждането на 3D флашка запазва записите за продължителен период от време, Дали устройството, свързано със светкавица, е включено или изключено. USB флаш дисковете се използват редовно за същите цели, за които вече са били използвани флопи дискове или компактдискове; т.е. За съхранение записва резервно копие и превключване на компютърни файлове.Те са по-малки, по-бързи, имат куп случаи с допълнителни възможности и са по-дълготрайни и надеждни, защото нямат движещи се части.

2875

The trick is that any payment you send over the minimum required will be applied to the check balance first, not your main purchases. I guess if you don't use that card for anything else at all it might work out.

2884

If you are looking for stunning outdoor clocks, master clocks showing accurate time schedules and bell system needed to play buzzer sounds, alarm,etc. then find the same at Admoveo Solutions. With the collection of reliable systems and clocks, they have brought up the quality products. @ http://www.admoveosolutions.com/master-bell-system/

2889

No. Floppy disks are simple magnetic media you could make yourself in your basement. FLASH memory, hard drives, etc have more code in their embedded controllers than that entire launch control system. If the floppy has enough storage why would you want to unnecessarily add a bunch of complexity for such a critical task as nuclear security.

2890

"MBS is a fairly general term ""Mortgage Backed Securities"" which simply means that the bond is collateralized with mortgages. Pass throughs are a type of MBS that is untranched: all bond holders of the deal are receiving the same interest and principal payments, there is no senior or subordinate class of bonds. Agency passthroughs bond holders receive any principal and interest payments paid by the loans in the pool, minus a slice of the interest payment that pays billing and insurance fees (servicing and guarantee fees, usually a .5% slice of the mortgage interest rate). On agency product (including Ginnies), if a loan defaults it will be bought out of the pool, with the bondholder receiving all of the expected principal and any interest due on the loan. Agency deals with different classes of bonds are usually called REMICs. Passthrough may also be split into principal-only (PO) and interest-only (IO) pieces. There is also a huge forward market in soon-to-be-issued passthroughs called the TBA market. Ginnie Mae has two slightly different programs referred to as Ginnie I and Ginnie II. Ginnie also has commercial and construction loan financial products. Freddie and Fannie have the same type of financial products as Ginnie, but there are differences in the sort of loans that Ginnie has vs the other agencies, as well as subtle minor differences between the contract terms of the securities. Ginnie is also more explicitly guaranteed by the federal government. You may want to look at: http://www.ginniemae.gov/index.asp (especially the ""For Investors"" and ""For Issuers"" sections.) Wikipedia's MBS may be more clear than my description: http://en.wikipedia.org/wiki/Mortgage-backed_security#Types"

2900

Manufacturer of Quartz Grit in India http://quartzpowdermanufacturers.com/supplier-of-quartz-grit-in-india.php Supplier of Quartz Grit in India, Manufacturer of Quartz Grit in India - Shri Vinayak Industries is offering high grade Quartz Grit. We produce finely processed Quartz Grit by our super efficient production unit. We are dominant supplier, Manufacturer and exporter of Quartz Grit. Usage of Quartz Grit in tiles, Ferro alloys, Ferro silicon, Ferro chrome, oil drilling, artificial granites, and electrical industries. Other applications of quartz grit are in steel industries, sugar refining, dairy farms, paper industries, chemical industries and water treatment plants.

2903

Do you also want to start charging companies and people for using computers? Excel? What about any machines? Surely trains took jobs away as they can carry a ton of cargo. Point is, taxing automation sounds nice, but it's ridiculous. We've been automating things for a long long long time. The type of automation is just changing.

2906

You're mistaking random chance with luck. I did absolutely everything I could think of to maximize my chances and I deserve the credit for it. There may have been some element of random chance, but I'd say I reduced the odds of getting a full time job out of college from 1:4 to 1:1 at least. Others with the same opportunities as me do not. Time and time again I see college grads doing nothing but sending out resumes. It just won't work on its own, you have to work every angle.

2929

">Yeah but they don't go to work high. Exactly. >The millennial smokers I see often smoke a few times a day. I'm familiar with the phenomenon. Hell, when I was in college I went through a phase like that myself. Most people learn to self-regulate before long. >Come to LA where I live and TONS of them have the stupid fake ass marijuana cards. Medical use my ass, loser use is what it should be called. I lived in LA for years and had a card. I actually have several medical conditions that justify it, but that's beside the point that marijuana should simply be legal. Alcohol is legal even though it is a far more dangerous substance than pot. I don't have a huge problem with people circumventing a senseless restriction on a harmless activity. Plus isn't it fully legalized in California now? >I wouldn't call daily smokers happy or successful. Someone that is happy or successful can unwind without the use of drugs whether its weed or alcohol. ... HAVE used is different than use daily, you do understand that, right? You don't have to be a daily smoker to test positive. People who only smoke once a week are likely to fail a drug test. There's no reason to think that those people are unhappy, unsuccessful, can't unwind without drugs, or any other negative generalization you might want to impose. >""NPR had a statistic that about 1 in 3 Millenials live at home with their parents, 1 in 3 live with a friend or relative and the rest have their own place or live with their SO"" I don't dispute those statistics, but they're about Millennials, not pot smokers. Millennials' economic difficulties are more likely to be caused by the economy than they are by any widespread drug abuse, which allegation I have no reason to think is supported. And even if Millennials do use crazy amounts of drugs, so did the Baby Boomers, whose economic prosperity does not seem to have been impaired in the slightest."

2943

Have you been looking for industrial photographer in Melbourne? If so, how about getting in touch us at Glenn Hester Photography, an industrially successful and age experienced industrial photography service company in Melbourne? Well, it always feels good when you receive something highly satisfactory in turn of your hard-earned money. This is what, we shall offer you if given a chance to serve you. We believe, a good corporate photography is a combination of right location, handful of time for thorough management, suitable dressing and of course proper incorporation of background and image color.

2956

Golf Home Guru offers the best selection of Fort Myers Golf Homes for Sale, including some of the most appealing golf homes on the market today. As one of the most wonderful cities in the County of Lee, Florida, Ft. Myers celebrates its colorful history while offering many other motivating factors that contribute to the continuous popularity and demand for Ft. Myers homes for sale.

2959

>Actually, I would imagine the terms for credit are better post-bankruptcy filing, than immediately pre-filing. From what I see that's true. Pre filing had no options whatsoever or the terms were so bad that it wasn't worth it. Post filing, while the terms were not the best by no means, at least there were decent options there.

2960

Grocery coupon sites I use: http://www.coupons.com http://www.smartsource.com http://www.redplum.com

2966

"Right. The definition of ""made with 100% chicken"" changes depending on whether that particular company sources soy protein and chicken separately and mixes them, vs purchasing it already mixed. The consumer doesn't care if this particular company is putting the chicken and the soy together, all they care about is what's in the package. That's what I mean by the fact that at some level everything with chicken is made with 100% chicken. Legally they can't say that it's made with 100% chicken unless one of the items they purchase from a supplier is just chicken, but morally, biologically, nutritionally and logically it is the same whether they put the chicken into their mixing pot or an upstream supplier does. Lets take a concrete example. This [breakfast sandwich](https://www.jimmydean.com/products/sandwiches/delights/delights-applewood-smoke-chicken-sausage-egg-whites-and-cheese-muffin-sandwiches) is ""made with 100% chicken."" Obviously the entire food product is not chicken, but I wouldn't be surprised if someone walking down the aisle and picking it up thought, subconsciously, that the patty on it was 100% chicken. Is it actually? No. It is >98% chicken and water, and <2% other stuff. But what we are actually supposed to infer from that language is that the company who makes this sandwich purchases ""100%"" chicken, whatever that is, and mixes it with the rest of the ingredients to made something which is mostly chicken. In legal land, that is all that can be inferred from the statement. It's not exactly deceptive, but it's definitely not the clearest terminology that could be employed, and it definitely implies something that simply ""made with chicken"" does not imply. I agree with you that the package almost always has all the information I would reasonably want on it, though, and in many cases it is obvious. That same sandwich lists all of the ingredients of the patty on the back, so the information is right there if you want to go to the small text."

2975

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2981

"What is the best way that I can invest money so that I can always get returns? Would it be to set up an FD in a bank, to buy land, to buy a rental house, to buy a field, or maybe to purchase gold? Forever is a long time. Of the options you listed, the only one guaranteed to generate returns is a bank account. The returns may well be very small, but (absent an economy-wide financial failure) you will get the stated return. Land doesn't always retain its value, nor do rental houses or fields. Gold clearly fluctuates. But you would be better served to think about goals and how you can attain them. What do you want to do with the ""returns""? If you are trying to set yourself up for purchasing a home, paying for college, or retirement, then the small returns on a bank account may be insufficient. And in that case you might be better served by worrying more about the size of the returns you need than the certainty of them. There may be many ""better investments"" if you more clearly define what you expect to achieve by your investment."

2987

"We had an Aussie who works in Singapore in our office telling us that he couldn't believe how many acronyms Singaporeans have, and GFC was one of them. He said ""they love TLA in Singapore"". TLA? Three Letter Acronyms!"

2992

We know picking a mattress can overwhelm – particularly since it's presumably been a while since your last outing to the mattress store. We're here to help comprehend it all and give you all that you have to know so you can locate the best queen mattress in orange to purchase for your way of life and budget. You wake up with a throbbing painfulness that scatter for the duration of the day. Your arms or shoulders nod off for the duration of the night, or you wake up hurling and turning. Your mattress hints at unmistakable wear and tear, for example, listing or the sides separating.

2996

Yes, the borrower is responsible for paying back the full amount of the loan. Foreclosure gives the bank possession of the property, which they can (and do) sell. Any shortfall is still the borrower's responsibility. But, no, the bank can't sell the property for a dollar; they have to make a reasonable effort. Usually the sale is done through a sheriff's sale, that is, a more or less carefully supervised auction. Bankruptcy will wipe out the shortfall, and most other debts, but the downside is that most of the rest of your assets will also be sold to help pay off what you owe. Details of what you can keep vary from state to state. If you want to go this route, hire a lawyer.

3012

"This is the best tl;dr I could make, [original](https://www.theguardian.com/business/2017/aug/27/should-the-rich-be-taxed-more-a-new-paper-shows-unequivocally-yes) reduced by 89%. (I'm a bot) ***** > Under a Jeremy Corbyn government, someone earning around £125,000 or more would have been eligible for a new 50% income tax bracket and there would have been a 45% rate for people on more than £80,000. > What's more, for the average US worker, the bad old days weren't really so bad. Finally, saying that the rich would never pay up is defeatist; tax loopholes could be closed, tax havens shut down, wealth - especially in the form of immovable land - could be taxed rather than income. > As the paper concludes: "The overarching policy question is the following: in the current era of fiscal consolidation, should the rich be taxed more? Our evidence suggests unequivocally yes."" ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6wzcbg/should_the_rich_be_taxed_more/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~201183 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **tax**^#1 **income**^#2 **rich**^#3 **more**^#4 **time**^#5"

3018

It's definitely something to keep on top of. Who knows if he's right, in the long run. I'm 100% positive cryptocurrency in general is here to stay and will complement fiats, but the question is whether another coin than Bitcoin can deliver something truly more useful. What exact idea will beat it? if you can answer that, you'll be a billionaire yourself, but imagining that someone will have such an idea is not hard at all. It's harder to imagine that no one ever will. And when that happens, it will probably happen fast and it's going to sting. Many people will be once bitten twice shy after that, and the total crypto market cap may take some time to recover.

3022

You should look into an inventory service that comes in and counts/weighs the bottles and kegs once a month. This keeps of inventory and keeps the bartenders accountable. Some restaurants do this daily which would be consuming. I’d also install cameras over every well and register. Bring the heat!

3040

It is basically the same situation what US was when the crash happened. People took on debt without the means to pay, even with awful credit records. But the problem isn't the debt people take on themselves, but with the limited disposable income they have how efficiently can their debts be serviced. And how do banks who lend out money can recover their money. When banks lend money to all and sundry, they have to take care of defaults and that is when financial wizardry comes into play. In US people have the option to default on their debt and refinance it, so banks assumed default and tried to hedge their risks. If this is an option in Australia, be ready for a crash else not to worry about much. If banks continue lending expect higher inflation rates, higher interest rates and maybe a downgrade of bonds issued by the Australian government. Higher import costs and a boom in exports because of devalued Australian dollar.

3047

I use paycheckcity.com and first punch in my paycheck and make sure it calculates within a few pennies the value of my actual paycheck. Then I fiddle with withholding values, etc. to see the effect of change. It has been very effective for me over the years.

3059

Too long for a comment - It's great that you are saving to the match on the 401(k). Does your company offer a Roth 401(k)? If so, you might consider that, instead. From the numbers you offered, you are likely in the 15% bracket now, but will find you move to 25% in years to come. The 2014 tax rates are out and how the 15% bracket ending at $36,900. (Over $47,000 gross income). I'd rather see you pay tax at 15% now, and use pre-tax accounts as your income rises. If the Roth is available.

3062

Yes -- If you are prepared to own the stock and have the cash to buy it, it can be a good way to generate income. The downside is really no more than buying a stock and it goes down -- which can happen to any investment -- and you have the premium of the put. Just don't do it on any stock you would not buy outright. To the posters who say it's a bad idea, I would like some more info on why they think that. It's not more bad idea than any investment. Yes it has risk, but so does buying stocks in general, buying dividend stocks etc and since most options expire worthless the odds are more in your favor selling puts.

3074

Are the schools going to count all my retirement I've saved over the last 20 years as assets and calculate my EFC on 5.x% of that?! Yes.

3075

"They aren't choosing winners and losers, if you want to use the game analogy then they are disqualifying assholes who flount an attitude of ""fuck you, I won't play by the rules"". Your statement is the equivalent of a soccer fan getting pissed at the refs for DQing a player for picking up the ball over their head and running it to the goal over and over."

3080

That period was also significantly less regulated as measured by the size of the federal register. As of 2013, there is 18x as much regulation as in 1950 ([source](https://www.mercatus.org/video/visualizing-growth-federal-regulation-1950)). Additionally, the middle class didn't pay taxes in the 90% bracket and the rich most likely didn't either as the rich tend to receive the majority of income through capital gains or other passive income. The top capital gains rate was significantly less--25% starting in 1942--than the top rate for ordinary income during the post-war period. Edit: spacing

3092

To littleadv's comment, walking away may be the best option. If your numbers are as described, any ideas we could offer on earning or raising cash would be best to use as money to live on, not to pay down a loan on an under water house. the double wide you propose to buy will like cost less than your HELOC balance. I'd see if you could buy that home first, renting the house, and only default after you're in the new place.

3095

What is essential is that company you are selling is transparent enough. Because it will provide additional liquidity to market. When I decide to sell, I drop all volume once at a time. Liquidation price will be somewhat worse then usual. But being out of position will save you nerves for future thinking where to step in again. Cold head is best you can afford in such scenario. In very large crashes, there could be large liquidity holes. But if you are on upper side of sigmoid, you will be profiting from selling before that holes appear. Problem is, nobody could predict if market is on upper-fall, mid-fall or down-fall at any time.

3104

"To answer the first part of your question: yes, I've done that! I did even a bit more. I once had a job that I wasn't sure I'd keep and the economy wasn't great either. In case my next employer wouldn't let me contribute to a 401(k) from day one, and because I didn't want to underfund my retirement and be stuck with a higher tax bill - I ""front-loaded"" my 401(k) contributions to be maxed out before the end of the year. (The contribution limits were lower than $16,500/year back then :-)) As for the reduced cash flow - you need of course a ""buffer"" account containing several months worth of living expenses to afford maxing out or ""front-loading"" 401(k) contributions. You should be paying your bills out of such buffer account and not out of each paycheck. As for the reduced cash flow - I think large-scale 401(k)/IRA contributions can crowd out other long-term saving priorities such as saving for a house down payment and the trade-off between them is a real concern. (If they're crowding out basic and discretionary consumer expenses, that's a totally different kind of problem, which you don't seem to have, which is great :-)) So about the trade-off between large-scale 401(k) contributions and saving for the down payment. I'd say maxing out 401(k) can foster the savings culture that will eventually pay its dividends. If, after several years of maxing out your 401(k) you decide that saving for the house is the top priority, you'll see money flow to the money-market account marked for the down payment at a substantial monthly rate, thanks to that savings culture. As for the increasing future earnings - no. Most people I've known for a long time, if they saved 20% when they made $20K/year, they continued to save 20% or more when they later made $100K/year. People who spent the entire paycheck while making $50K/year, always say, if only I got a raise to $60K/year, I'd save a few thousand. But they eventually graduate to $100K/year and still spend the entire paycheck. It's all about your savings culture. On the second part of your question - yes, Roth is a great tool, especially if you believe that the future tax rates will be higher (to fix the long-term budget deficits). So, contributing to 401(k) to maximize the match, then max out Roth, as others suggested, is a great advice. After you've done that, see what else you can do: more 401(k), saving for the house, etc."

3110

The Paypal 'classic' site option has now been removed and you will not know what you will be charged UNTIL YOU COMMIT TO BUY. Paypal told me today ( brexit day 24th ) that their site is NOT connected to the Ebay site so when Ebay tells me '$77.00 approximately £52.43' for an item I would in fact pay £59.62. You will Not be aware of this UNTIL you commit to by. Paypal informs me there are no plans to restore the 'classic' option Paypal site.

3118

Dividends are normally paid in cash, so don't generally affect your portfolio aside from a slight increase to 'cash'. You get a check for them, or your broker would deposit the funds into a money-market account for you. There is sometimes an option to re-invest dividends, See Westyfresh's answer regarding Dividend Re-Investment Plans. As Tom Au described, the dividends are set by the board of directors and announced. Also as he indicated just before the 'record' date, a stock which pays dividends is worth slightly more (reflecting the value of the dividend that will be paid to anyone holding the stock on the record date) and goes down by the dividend amount immediately after that date (since you'd now have to hold the stock till the next record date to get a dividend) In general unless there's a big change in the landscape (such as in late 2008) most companies pay out about the same dividend each time, and changes to this are sometimes seen by some as 'indicators' of company health and such news can result in movement in the stock price. When you look at a basic quote on a ticker symbol there is usually a line for Div/yeild which gives the amount of dividend paid per share, and the relative yeild (as a percentage of the stock price). If a company has been paying dividends, this field will have values in it, if a company does not pay a dividend it will be blank or say NA (depending on where you get the quote). This is the easiest way to see if a company pays a dividend or not. for example if you look at this quote for Google, you can see it pays no dividend Now, in terms of telling when and how much of a dividend has been paid, most financial sites have the option when viewing a stock chart to show the dividend payments. If you expand the chart to show at least a year, you can see when and how much was paid in terms of dividends. For example you can see from this chart that MSFT pays dividends once a quarter, and used to pay out 13 cents, but recently changed to 16 cents. if you were to float your mouse over one of those icons it would also give the date the dividend was paid.