Datasets:

BeIR

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fiqa

like 5

596081

"I found a good article on cnnmoney.com that touches on this titled ""5 Ways to Destroy your Credit"". One of these ""ways"", it says, is closing your credit cards. The article cited one expert who says, Since part of your score is based on the length of time certain lines of credit have been open, closing out that 10-year old credit card could take a bite out of your credit score... It's negative because it's taking away a reference to a positive credit history."

596087

If you want to make a lot of money in a short time, than this blog has the investment plans you will need. With this blog you will earn 10% daily on your investment. So after only 20 days you have doubled your money. You can sign up here for free and start earning 10% daily on your investment. Its possible to start with an amount of $5.- up to $10,000- http://jetspeedincome.blogspot.in/

596092

Their entire C-suite has either left or been fired. The legal status of their autonomous driving program remains in doubt, and in the meantime they had to fire the director of that program. And their unit economics while paying humans still remain largely negative, so they remain dependent on continued investor funding (although the size of their current cash balances does help with runway). I really don't think the situation is working too well...

596106

A number of places. First, fast and cheap, you can probably get this from EODData.com, as part of a historical index price download -- they have good customer service in my experience and will likely confirm it for you before you buy. Any number of other providers can get it for you too. Likely Capital IQ, Bloomberg, and other professional solutions. I checked a number of free sites, and Market Watch was the only that had a longer history than a few months.

596111

"If I were you, I would rent. Wait to buy a home. Here is why: When you say that renting is equal in cost to a 30-year mortgage, you are failing to consider several aspects. See this recent answer for a list of things that need to be considered when comparing buying and renting. You have no down payment. Between the two of you, you have $14,000, but this money is needed for both your emergency fund and your fiancée's schooling. In your words: ""we can’t reeaallllly afford a home."" A home is a big financial commitment. If you buy a home before you are financially ready, it will be continuous trouble. If you need a cosigner, you aren't ready to buy a home. I would absolutely advise whoever you are thinking about cosigning for you not to do so. It puts them legally on the hook for a house that you can't yet afford. You aren't married yet. You should never buy something as big as a home with someone you aren't married to; there are just too many things that can go wrong. (See comments for more explanation.) Wait until you are married before you buy. Your income is low right now. And that is okay for now; you've been able to avoid the credit card debt that so many people fall into. However, you do have student loans to pay, and taking on a huge new debt right now would be potentially disastrous for you. Your family income will eventually increase when your fiancée gets her degree and gets a job, and at that time, you will be in a much better situation to consider buying a house. You need to move ""ASAP."" Buying a house when you are in a hurry is a generally a bad idea. When you look for a home, you need to take some time looking so you aren't rushed into a bad deal that you will regret. Even if you decide you want to buy, you should first find a place to rent; then you can take your time finding the right house. To answer your question about escrow: When you own a house, two of the required expenses that you will have besides the mortgage payment are property taxes and homeowner's insurance. These are large payments that are only due once a year. The bank holding the mortgage wants to make sure that they get paid. So to help you budget for these expenses and to ensure that these expenses are paid, the bank will add these to your monthly mortgage payment, and set them aside in a savings account (called an escrow account). Then when these bills come due once a year, they are paid for out of the escrow account."

596167

According to *you* we find it. What if, like me, you don't believe it exists? Do you recognize and respect the right of others to have a difference of opinions, and your inability to force them to act how you choose? If you agreed with me, *boom*. You just shot centralization in the head, because centralization depends on disrespecting a difference of opinion and forcing others to act how you choose.

596196

Solar water heaters are definitely questionable in the Northeast -- the season when you most need them is also the season when they are least effective. Solar electric isn't a huge moneymaker, but with rebates on installation and carbon-reduction credits (SRECs) -- and a group purchase discount if you can get one, either at a town level or through organizations like One Block Off The Grid -- it can definitely turn a profit. Early estimate was that my setup would pay its initial costs back in 4 years, and the panels are generally considered to be good for a decade before the cells have degraded enough that the panels should be replaced. I haven't had a negative electric bill yet, but I've gotten close, and my setup is a relatively small one (eight panels facing SSE on a 45-degree roof). Admittedly I've also been working to reduce electricity use; I don't think I have an incandescent bulb left in the house.

596203

The value at expiration does not depend on the price path for a plain vanilla European or American option. At expiration, the value would simply be: max[K - S_T, 0], where: K is the strike price, and S_T is the underlying price at expiration.

596208

This guy is doing you a *huge* favor by taking his time out to talk to you. These people are under enormous time constraints and you need to act accordingly. Don't babble on about what you're doing as an intern; the company could have hundreds of interns doing this exact same thing, and it's probably boring as hell. Focus on asking high level questions about his career, his lessons learned, and his vision for the company. This man is going to be a treasure trove of advice and knowledge. Don't waste it talking about the LBO model you cranked out last week.

596211

Maybe he doesn't want to give up work? I know he had some pretty big medical expenses with a heart attack this past year but that wouldn't set him back that much. I know some of his assets aren't liquid at the moment. To be honest, I don't know.

596272

These are your options: Unfortunately this will not be a quick process. You should note that until a potential lender goes through a detailed review of your finances you have only been pre-qualified. This is not as good as pre-approved. With pre-qualified they are basing the determination on what you told them, not what you can prove. Because you are aware of your short period of continuous employment you are best to be completely honest with a potential lender. That way you don't run into problems 30 days down the road when they realize the issue. The home seller will not be happy; and there was time and money wasted on down payments, credit checks, home inspections, and appraisals. In the US in most markets while there is a significant risk that a particular house will not be available in 5 months, there is a very slight risk that a neighborhood will not be available in 5 months.

596284

Question 1: Who do I report such fraud to? Walmart, or their card processor. They may be in their right to require the original purchaser to do the report. Generally, credit card and debit card fraud must be reported to the bank within 60 days of the statement for them to take responsibility. I don't see why gift cards would be different. You can also report it to the police, but I believe you'll be asked to file a report in the jurisdiction where the card was used. Again - time is of the essence, and there's nothing much they could do with your report now. Question 2: How can I recover the $100 value of my Walmart gift card? At this point, 2.5 years later when the card was used to buy prepaid cards, there's no way to catch the thief and recover the funds. Had you reported it promptly, Wlamart could have block the prepaid cards sold or track their usage, but now is too late. Question 3: Is Citibank in any way liable? (The gift card was fraudulently used shortly after---within the same month---I received it from Citibank.) I doubt it unless you can show a pattern. It could be someone working for the Citibank, someone working for the USPS, or someone just stole a bunch of numbers and waited until they became activated.

596289

"Your income and expenses for the business should be independent of HST. That is, if you charged somebody 100 + 13 HST, you have revenue of 100. You're going to send the 13 to the government later, it's not part of your revenue. If you go out and buy something for 10 + 1.30 HST, you record 10 as an expense. You're going to take the 1.3 off the 13 you would have sent the government, it's not part of your expenses. And so on. I am not sure what you mean by ""HST compensation"" but if it came from the government, and it needs to be declared as income, there will be information to that end in the letter that comes with the cheque. (For example, if they pay you interest on your refund, the letter reminds you to include that money in next year's income.)"

596303

I think that long term, bitcoin is a great investment. In fact I predict a big spike in price right around the new year when the block reward halves. I also predict that inflation will hit all fiat currencies much harder than their respective governments will ever admit.

596337

I think this is going to be a Rorschach test on what people think happened during the crisis. If you believe that the crisis was caused in large part by government seeking to put more people in housing and stop what was viewed as discriminatory practices in lending, you are most likely to be against this. If you think the housing crisis was caused in large part by systemic fraud, you are more likely to be for this.

596341

I've spent a lot of time augmenting overgrown excel models with R. Basically any process you pull from excel into sql / r / python will run faster, sometimes much faster, so the more calculations you can push into R code, the better. Vlookup especially is very poorly optimized in excel and I've seen the equivalent in R run literally 100x faster over the same data. Additionally you can 'chunk' through data (or load -> process -> save as CSV) in R to minimize the memory load on your machine vs keeping a giant excel model open all day. A key insight is that the model does not need to be pulled wholesale from excel to R. You can in fact take specific tables or target specific computationally intense portions of the model to be pulled into R and processed before returning them to a CSV to be picked up by your core excel model (often you'll run this process once per day, in the morning). In this case, you effectively create a 'two step' model, where you use R to 'refresh' the model to reflect new data, and still maintain the excel as the core working GUI for when you have dashboarding / scenario analysis type tasks that need to be maintained.

596355

My guess is that both the blue and pinkish lines are hand drawn by someone. The blue line indicates 'higher lows' while the pinkish line represents 'higher highs'. Together they form a trading channel in which you can expect future prices to be (unless there is some unanticipated event that occurs). Edit: since the price broke out above the trading channel at the start of the year (and is verified by the increase in volume at that time) something must have occurred to increase the value of the stock. Edit2: this news likely explains the breakout in price. Edit3: this chart shows that the stock price is now 'seeking equilibrium'. The price will, likely, be volatile over the next few days or weeks.

596365

"Fulltext: https://pdf.yt/d/oUgs1U5suhiilEPi / https://dl.dropboxusercontent.com/u/182368464/2014-sariaslan.pdf See also: - 6: Sariaslan A, Langstrom N, D’Onofrio B, Hallqvist J, Franck J, Lichtenstein. ""The impact of neighbourhood deprivation on adolescent violent criminality and substance misuse: a longitudinal, quasi-experimental study of the total Swedish population"" http://www.researchgate.net/publication/256985352_The_impact_of_neighbourhood_deprivation_on_adolescent_violent_criminality_and_substance_misuse_A_longitudinal_quasi-experimental_study_of_the_total_Swedish_population/file/72e7e51f69f99ad646.pdf . _Int J Epidemiol_ 2013; 42: 1057–66. - 7: Frisell T, Lichtenstein P, Langstrom N. ""Violent crime runs in families: a total population study of 12.5 million individuals"" http://www.sakkyndig.com/psykologi/artvit/frisell2010.pdf . _Psychol Med_ 2011; 41: 97–105. - 8: Kendler KS, Sundquist K, Ohlsson H, Palmér K, Maes H, Winkleby MA, et al. ""Genetic and familial environmental influences on the risk for drug abuse: a national Swedish adoption study"" http://www.ncbi.nlm.nih.gov/pmc/articles/PMC3556483/ . _Arch Gen Psychiatry_ 2012; 69: 690–7. - 9: D’Onofrio BM, Lahey BB, Turkheimer E, Lichtenstein P. ""Critical need for family-based, quasi-experimental designs in integrating genetic and social science research"" http://people.virginia.edu/~ent3c/papers2/d%27onofrioAJPH.pdf . _Am J Public Health_ 2013; 103: S46–55."

596406

It only changes things if Amazon throttles their speed or charges them a different rate to access AWS in a effort to stifle their competitive chances, which to my knowledge, Amazon doesn't do. But you know who does behave like that? The telecom companies that block municipal broadband companies from forming, or startup companies from accessing the fiber networks that they were subsidized with taxpayer money to build. Oh and they also have documented proof of throttling speeds to streaming services that compete with their broadcasting partners. THAT is monopolistic behavior and the kind of shit we need to be rallying against and calling for anti trust rulings. Not Amazon.

596427

I'll assume you are asking about a check for some kind of work or service that you provided them, that they hired your company to do. No large business will do that. In their records they have a contract with your company to provide services. If they write you a personal check it won't match with the contract, and when the auditors see that they will scream blue murder. Whoever wrote the check will have to prove that you are legitimately the same thing as the company (that doesn't mean taking your word for it). They may also have to show they weren't conspiring with you to commit tax fraud ( that wasn't your intention of course, was it?) .

596429

I agree that to take the money from the defined benefit plan you are saying that you can get a better return than the plan. You are taking all the risk if you take the lump sum. But there are two more risks that you are taking by keeping the money in the plan even though you are decades from retirement. Funding risk: companies and state/city/county governments have underfunded their pension programs due to budget pressure. In some cases they have skipped payments when the market was good, because they felt they were ahead of their obligations. They also delayed or skipped contributions when they had a budget shortfall, and wanted to not end the government/company fiscal year in the red. The risk is that they can get so far behind that they change their promises to current and former employees. This was one of the issues with the city of Detroit this year. Bankruptcy: even though their are guarantees regarding pension benefits, the Pension Benefit Guaranty Corporation does set a maximum benefit. If the company goes bankrupt or the plan is terminated you might not get all the money you were expecting. While the chances of taking a haircut generally impacts people who have a long career, because they are entitled to a large benefit, it can impact people who don't expect it.

596431

paypal says it works with CBE but can't seem to link my account with them, but skrill works perfectly just go to www.skrill.com sign up and you can link your bank account with your skrill account, i've had a few transactions so it should work for you too.

596436

I was wondering if someone could recommend a textbook I'm taking a course right now in foundations of finance and we're dealing with subjects such as utility functions, risk aversion, prudence, temperance, Arrow-Debreau securities, portfolio theory, and more I'm finding the textbook we're using (Intermediate Finance, Danthine & Donaldson) a bit hard to understand

596473

it is possible that if you do not accept the offer, they will try offering you an even lower rate. if they offered you close to 0%, you could start carrying a balance and find a better use for the cash you would have spent paying it off. there are plenty of investments with a guaranteed return of over 0%. personally, i am using a 0% offer from one of my cards to invest in the stock market. i might lose that bet, but on average over the last 10 years, i have not. a pretty safe bet would be paying down your mortgage, or buying a cd that matures when the offer ends. that said, even a 10k$ balance might only pay you around 300$. is that worth the hassle to you?

596511

How is that the federal reserve's fault? federal reserve's only tools are interest rates, loans, and buying/selling of bonds. To blame fed reserve for jobs is like blaming a car for not being able to fly. That's the job of an airplane. Meaning, jobs are a problem of the federal government fiscal policies, and NOT monetary policies.

596518

I was not able to find any authority for the opinion you suggest. Wash sale rules should, IMHO, apply. According to the regulations, you attribute the newly purchased shares to the oldest sold shares for the purposes of the calculation of the disallowed loss and cost basis. (c) Where the amount of stock or securities acquired within the 61-day period is less than the amount of stock or securities sold or otherwise disposed of, then the particular shares of stock or securities the loss from the sale or other disposition of which is not deductible shall be those with which the stock or securities acquired are matched in accordance with the following rule: The stock or securities acquired will be matched in accordance with the order of their acquisition (beginning with the earliest acquisition) with an equal number of the shares of stock or securities sold or otherwise disposed of. You can resort to the claim that you have not, in fact, entered into the contract within 30 days, but when you gave the instructions to reinvest dividends. I don't know if such a claim will hold, but to me it sounds reasonable. This is similar to the rules re short sales (in (g) there). In this case, wash sale rules will not apply (unless you instructed to reinvest dividends within the 30 days prior to the sale). But I'd ask a tax professional if such a claim would hold, talk to a EA/CPA licensed in your state.

596528

Those nerds aren't in charge of industry though. As I said, different focus. And your statements about the best talent coming out of the PRC doesn't hold with anyone who's working in industry. I'm an engineer working in a high tech industry. China partners with companies to acquire technology still. They don't develop it.

596537

I think small sums invested regularly over long-term can do good for you, things to consider: I would go with an index fund and contribute there there regularly.

596540

Everything is down, when measured in the US Dollar because there was a flight to Dollars recently when everyone got the crap scared out of them with the Euro drama... Remember, the thing you're measuring against is highly volatile at the moment - to get a better idea measure Amazon against something like a basket of commodities, or metals, or oil, or a currency basket (or better yet, all of these).

596549

You actually don't have to open a business account with your bank, you can have a personal account with the bank and have your business funds go into it, whether it be from cheques or from Eftpos\Credit Card Facilities. You just have to get your customers to make the cheque out under your name (the same name used for your bank account). If you are trading as a sole trader and you trade under a name other than your own name, then officially you are supposed to register that name with Fair Trading in your state. However, if you are trading using another name and it is not registered, Fair Trading will only become aware of it if someone (usually one of your customers) makes a compliant about you, and they will then ask you to either stop using that name as your trading name or have it registered (if not already registered by someone else).

596553

"This is the best tl;dr I could make, [original](https://americanaffairsjournal.org/2017/05/new-class-war/) reduced by 99%. (I'm a bot) ***** > In the United States the majority of American college students come from the minority of families in which one or both parents have college degrees. > The incompatibility of the welfare state and mass immigration was noted by the libertarian economist Milton Friedman: "If you have a welfare state, if you have a state in which every resident is promised a certain minimum level of income, or a minimum level of subsistence, regardless of whether he works or not, produces it or not. Then really is an impossible thing." His ideological opposite, Paul Krugman, agrees. > It will make no sense for the United States to tolerate similar mercantilist trade policies at the expense of American industries, particularly those relevant to defense, carried out by China-the only "Peer competitor" the United States will face in the foreseeable future in the military realm. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6ejbil/the_new_class_war/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~133514 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **State**^#1 **market**^#2 **work**^#3 **managerial**^#4 **new**^#5"

596559

"Hmm, that's quite a claim, that these people are so well-informed. In my experience most people who say ""The United States is the best country in the world"" are just advertising their parochialism. People who are genuinely aware of all the issues you raise are less likely to make such a dogmatic claim."

596560

>The two patents allow smartphones to display and transmit basic data, such as phone numbers, contact information and applications. As such, a ruling against HTC could outright ban sales Our patent system is so fucked right now. I should go and patent the ability to hold a device with one or two hands and another patent allowing the user to remove or insert a phone into a pocket or purse.

596561

"The title obviously implies it's an opinion piece. I don't how this escapes you. Unbiased articles are rare and emotional digs/crying about leadership happen to be majority of ""news"" these days anyways - including the NYT. Is an obvious opinion piece wrong? No. You missed the entire point of the article starting at the title."

596563

Middle class for me is anyone who earns at a level where they can save money but depends on a salary for a living which is a very wide range. You are at the rich class if you can comfortably live on your earnings from assets and have large savings so emergencies have little impact. The whole healthcare was a big help to middle class since they didnt have to worry about existing conditions etc and preventive care was always covered. Also democrats are the ones that want to extend deductions like mortagage interest, property tax that help middle class most.

596567

Your wife could open a non-registered margin trading account with a Canadian full-service or discount broker. An account at one of the top Canadian brokers should provide access to trade U.S.-listed options. I've traded both Canadian and U.S.-listed options with my own broker. On the application, you'd need to indicate an interest in trading options, and more specifically, what kind of option trades; e.g. long puts and calls only, covered writing, combination trades, etc. And yes, part of the application approval process (at least when I went through it) is to answer a few questions to prove that the applicant is aware of the types of risks with trading options. Be sure to do some research on the fees and currency/fx aspects before you choose a broker. If you plan to exercise any options purchased or expect to be assigned for any you write, be aware that those fees are often different from the headline cost-per-trade advertised by brokers. For instance, I pay in excess of $40 when a call option I write gets assigned, vs. ~$10 that I'd pay if I just plain sold the stock. One other thing to investigate is what kind of online option trading research and order entry tools are available; not every broker has the same set of features with respect to options — especially if it isn't a big part of their business.

596580

If you can't run a business and compensate your workers substantially better than the Chinese, your business should be closed and liquidated. Want a low-tax paradise with few regulations? Go to Mississippi. Want a state with no teachers' unions? Welcome to Alabama, home of the worst schools in the nation. Want to live in a high-tax hell with coddled workers? Go to Germany, which has enjoyed some of the greatest prosperity for well over a century, in spite of having a social welfare system in place since Bismarck. I'm sympathetic to the argument that taxes and benefits will hurt the business owners, but only at much higher levels than we see today. Those who can't cut it under even the modest constraints of the minimum wage and Obamacare should not be in business anyway, because they suck. (And I'm leaving out that Obamacare will save most small-to-medium business money.) If we must cut workers' pay and benefits to the levels of the Chinese worker, then we suck as a society and deserve a housecleaning of the dead weight in our ownership class.

596590

The Worldrecoverycenters is the best drug addiction treatment centers in the world. This center is run by Dr.Alan Meyer. He has been assisting those with substance and alcohol addictions for over 30 years. He operates substance abuse and addiction recovery treatment programs in the United States and other countries in the world such as California, New York, New Jersey, Washington State, Arizona, Oregon, Pennsylvania and more countries. Without addition programs, many people would have a much less chance for recovery and most likely continue with their addiction.

596598

There are lots of different ways to generate passive income. What is Passive Income? Basically it is income you receive without having to consistently work for it i.e. paid to do your day job or get paid by the hour; instead you do the work once and then receive ongoing payments like a recording artist getting paid royalties or a book author etc... Online Passive income Also some online business models can be great ways to generate passive income, you set up an automated system online to drive traffic and sell products either as the merchant or an affiliate and get paid regularly without having to do any more work... You just need to use SEO or PPC or media buys or online advertising to generate the automated traffic to your website which will have special landing pages and sales funnels that do the conversion and selling for you. If you are an affiliate you don't even have to handle any products, packaging, delivering etc... And if it’s a digital product like software or information products they can be sent straight to the customers automatically online then you can set up a system that can generate true passive income. Time consuming or expensive! However the above mentioned methods of generating passive income tend to require a lot of work or special skills, talent or knowledge and can be expensive or time consuming to set up. Preferred Method Therefore for many people the preferred passive income method is fully-managed hands free property investing or other types of investing for that matter. But for people who want full ownership of the income generating asset then property investing is the best as they can sell and have control over the capital invested, whereas investing in a business for example will have a lot of other variables to consider, like the business sector, the market factors, the management team and even down to individual employee performance. So in my opinion, if you have the money to invest then fully-managed hands free buy-to-let property investing is one of the best types of passive income available to us today. Some of the most popular income generating property assets today in the UK include • Student property • Care Homes • Residential buy-to-let

596600

"> In 2009, under Obama, the US had a deficit of 1.4 trillion dollar. Actually, that's Bush's last deficit. That was the 2008 budget and appropriations from the Bush administration's last year, and it's also the result of the financial crisis, which happened during Bush's time. It's also TARP (which was passed under Bush with Bush's support) and, to a lesser extent, the stimulus (which was a direct and necessary reaction to the financial crisis). That 1.4 trillion deficit is Bush. It's what Obama *started* with, and worked from, not what he caused. Consider it the handoff deficit from Bush to Obama. > In 2014, the deficit is now 744 billion dollar. You're commenting on an article that says the current deficit will be $506 billion, so why are you saying it's ""now"" $744 billion without explaining the contradiction?"

596623

"A multiplex is a concession stand which happens to show movies in order to lure you into range of the smell of their popcorn. It has nothing to do with movie theater monopolies. As it was explained to me by my manager, back when I worked in a movie theater in a small Midwestern chain, for every movie, the studios take some percentage cut of gross ticket sales, varying from movie to movie. Star Wars: The Phantom Menace in 1999 was the first film for which the studio demanded 90% of gross ticket price — continuing a long-standing trend of raising the take which possibly began with the original first Star Wars movie. The other studios quickly followed suit and raised their take to 90%, especially for the big blockbusters — the textbook term is ""oligopoly pricing"" — and since then the percentage has inched ever closer to 100%. I forget exactly what it was on the second Matrix movie or Lord of the Rings: Return of the King, both of which premiered while I was at the theater, but the number that sticks in my head is 94%. Obviously the studios can't directly capture any revenue from the sale of popcorn — unlike the movie, it's not their product — so every time they raise their take, the theater compensates for lost revenue by raising the price of popcorn. This trend hasn't reversed with 3D and IMAX and all the new technologies coming down the pike. The only reason they're attractive to the theaters is that the theater can charge $15 a ticket rather than $10. Even on a small percentage share, that's a 50% jump in revenue, and covers the not insignificant cost of the projection equipment. 3D is also currently getting more butts in seats than 2D was, leading to somewhat more concessions sales — going to the movies is an outing and an event again — though that's tapering off as it becomes less and less of a novelty. The ticket prices aren't coming down, though. Moral of the story: like razors or printers, theaters lose a ton of money to show you movies due to studio oligopoly pricing, and make it up on popcorn."

596634

The money quote: > When floodwaters cover our homes, we expect that FEMA workers with emergency checks and blankets will find us. There is no moral or substantive difference between a hundred-year flood and the near-destruction of the global financial system by speculators immune from consequence. But if you and your spouse both lose your jobs and assets because of an unprecedented economic cataclysm having nothing to do with you, you quickly discover that your society expects you and your children to live malnourished on the streets indefinitely.

596645

"Frequency of paychecks is up to the company. Many pay monthly. Some pay twice a month, or every other week. I haven't heard of any paying more frequently unless they were tiny ""mom and pop"" businesses or grunt-labor/fast-food minimum-wage jobs. Cutting the checks more often is more expensive for the company. And frequency of pay is one of the things you agreed to in the paperwork you signed when you were hired."

596657

"**Alt-right** The alt-right, or alternative right, is a loosely defined group of people with far-right ideologies who reject mainstream conservatism in favor of white nationalism, principally in the United States, but also to a lesser degree in Canada and Europe. Paul Gottfried was the first person to use the term ""alternative right"", when referring specifically to developments within American right-wing politics, in 2008. The term has since gained wide currency with the rise of the so-called ""alt-right"". White supremacist Richard Spencer coined the term in 2010 in reference to a movement centered on white nationalism, and did so according to the Associated Press to disguise overt racism, white supremacism, and neo-Nazism. *** ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/economy/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot) ^] ^Downvote ^to ^remove ^| ^v0.26"

596661

That'd be cool in conjunction with a coffee shop. Order a book, go get coffee, and browse a bit before you're told that the book you ordered has been assembled for you. As someone who prefers a physical copy of a book over a Kindle, I would love this option.

596664

"If you have someplace to put the money which you think will yield significantly better returns, by all means sell and buy that. On the other hand, if you think this stock is likely to recover its value, you might want to hold it, or even buy more as a ""contrarian"" investment. Buy low, sell high, as much as possible. And diversify. You need to make a judgement call about the odds. We can point out the implications, but in the end whether to sell, buy, hold or hedge is your decision. (This also suggests you need to sit down and draw up a strategy. Agonizing over every decision is not productive. If you have a plan, you make this sort of decision before you ever put money into the stock in the first place.)"

596665

LIBOR rate swaps are common most among an international bank and a with a branch in another country, so say Company A is located in Kenya and Company B is in the US, A can borrow $100M from the US and B the same from Kenya and agree to swap assuming that A borrowed at a fixed rate of say 5% and B borrowed for say a 6 month LIBOR rate of maybe 4.2% which increases at a rate of say 0.5% above the prior 6 moth libor rate for time t being 5 years.A is the fixed rate payer and B is the floating rate payer.

596680

I should have been clearer but my point was that the NYSE seems to be blaming third party vendors for reporting invalid test data but their own website reported the same data so it seems like there might be another issue. Edit: Found the full comment. It seems that NASDAQ distributed the test data and other parties including the NYSE incorrectly displayed it. I can (barely) understand some third parties incorrectly reporting this data but it seems really bizarre that NYSE wouldn't know how to handle this.

596692

Your best option is just to pick a card that gives you the best (highest) rewards without charging you an annual or other fees (or the lowest annual or other fees). As you are looking to pay off the full balance by the due date you won't have to worry about the interest rate but just make sure you get an interest free period.

596702

Absolutely never.Even in a hot market, it's like picking up dimes in front of a bulldozer. It's just plain stupid. If you can't afford a 20% down payment and a 15 year mortgage, just rent.

596714

Many reasons mentioned already. The reason why I have multiple is missing: I have a personal card for my private use and a company card for company use.

596736

The folks who hold stock are the legal owners of the company. If a majority of stock holders become unhappy with the management of a company they can fire the executives and put in new management, or they can direct the company to close its doors and sell off its assets. As a crude approximation, the stock holders are happier when the stock price goes up and unhappier when it goes down. Therefore, executives are highly motivated to drive the stock price up. A frequent criticism of corporate governence is that management can be so motivated to drive the stock price up, that they will take actions that drive the stock price up in the current year, even if undercuts the company in the long term.

596753

money can make people do some odd things, it makes otherwise nice people stab other nice friendly people in the back for a decent paycheck. now i'm fresh out of school with the intent of finding a job that is going to make me want to get up in the morning with a smile across my face, it could be minimum wage and it would not bother me in the slightest as much as the media and the government would like you to think, it really does not cost that much to live a simple life and be happy about it, consumerism has really fucked people up and it is a shame, i'm in it for the memories and fun times not spending countless hours breaking my back for a company that would fuck me over in an instant.

596791

Not a direct answer, but... a friend pointed out to me that z proper luxury limo, if loaded with four sales reps going to the same meeting, is cheaper than airfares would be and lets them hold a planning meeting en route. Yeah, most of it is conspicuous consumption. But some of the road yachts have legitimate uses.

596792

And a blessing to the families. They know that there loved one is being given pain medication and a certain amount of dignity as they die. Are the Health Care people making money? Yes but so does my car mechanic when I ask him to fix my car.

596798

Does your family go to church? I know reddit hates religion but churches have been a great source of support for small shops just starting off. They are a great opportunity to network in your community. If not, look for other things, toast masters, chamber of commerce. Get something big on the truck, park it in a well lit-high traffic spot (empty). I have heard SOME decent things about location based google adwords. You may want to check out advertising. Also, make sure he comes up in the google results when people look for plumbers. Google is the not-so-new yellow pages and a lot of people just start at the top of the list and work their way down when they need someone in an emergency. Get him to network with General Contractors and maybe the HBA in your area.

596821

looking over some historical data I cannot really a find a case where a stock went from $0.0005 to $1 it almost seem that once a stock crosses a minimum threshold the stock never goes back up. Is there any truth to that? That would be a 2000X (200,000%) increase in the per-share value which would be extraordinary. When looking at stock returns you have to look at percentage returns, not dollar returns. A gain of $1 would be minuscule for Berkshire-Hathaway stock but would be astronomical for this stock,. If the company is making money shouldn't the stock go up? Not necessarily. The price of a stock is a measure of expected future performance, not necessarily past performance. If the earnings had been more that the market expected, then the price might go up, but if the market sees it as an anomaly that won't continue then there may not be enough buyers to move the stock up. looking at it long term would it hurt me in anyway to buy ~100,000 shares which right now would run be about $24 (including to fee) and sit on it? If you can afford to lose all $24 then no, it won't hurt. But I wouldn't expect that $24 to turn into anything higher than about $100. At best it might be an interesting learning experience.

596834

There's a few things going on here. If we fixed rates (and terms) over time we'd expect a pretty tight chart of home prices to income, almost lockstep. Add a layer of growth above that in boom times due to the wealth effect (when stocks are way up, we have extra money to blow on bigger houses) and the opposite when markets are down. Next, the effect of rates. With long term rates dropping from 14% in 1985 to 5% in 2003, the amount that can be bought for the same monthly payment rises dramatically as rates fall. Easy to lose site of that and the fact that the average size house has increased about 1.5% per year over the last 40 years, surely that can't continue. When you normalize all these factors, houses cost fewer hours-worked almost at the peak of the market than 25 years ago. Mike's logical example of extrapolating out is very clever, I like it. In the short term, we'll see periods that are booms and busts, but actual prices will straddle the line representing the borrowing power of a week's pay.

596858

I work at a public accounting firm. It's in tax, but I know the audit side of the house pretty well as well. >Without public confidence in the profession, CPA firms wouldn't exist. It's truly an incentive to do a good job and continually gain confidence. They incidentally make money along the way. That's really the heart of the argument. During my schooling we talked about ethics pretty much constantly. In almost every state now, you're required to take a 3 credit hour ethics class prior to sitting for the CPA exam, and you're required to do continuing education. How much depends on the state, but 40-60 hours every three years is par for the course. Of those hours, typically 4-5 of them have to be approved ethics courses. There's also a whole litany of codes of conduct that a CPA must follow. For example, I, as a tax person am bound to follow the codes of conduct of: * The SEC * The PCAOB * The IRS * The AICPA * My State Board of Accountancy * My Firm A serious violation of any one of those codes can lead to a suspension of my license. e.g. I won't ever be able to work in public accounting again. As a profession, most of the CPA's that I've met are above board, but there will always be a few bad apples. On the audit side, the PCAOB (a government agency) audits all the public accounting firms that do assurance work something like every 3 years. The SEC can get involved as well if they think something fishy is going on.

596875

What are your alternatives? If you have something else lined up that is better than this internship, then yes, you should jump ship. Remember, you are your first priority. Don't worry about getting burned, and don't necessarily trust someone's promises. Many people in your life will overpromise and underdeliver. With that said, if you don't have something to fall back on (that can provide relevant experience that you're looking for), then stick it out. Selling (including cold-calling) is an extremely important skill to have; there will be many times in the future where you will have to sell something, whether it's yourself, or an idea, or some other product. Use this internship as an opportunity to improve your sales skills, your English, and overcome your shyness. Take time to learn as much as you can - whether it's about running a business, your boss's previous experience, or anything else that may come in handy in the future. Good luck!

596914

There's two competing forces at work, and they are at work worldwide. Banks can get money from several sources: Through inter-bank borrowing and from raising capital. Capital can come from from selling assets, stock offerings, deposits, etc. The money the banks get from depositors is capital. In the United States, the Federal Reserve regulates the amount of capital that banks must maintain. If there was no requirement for capital then there would be zero demand for capital at an interest rate above the inter-bank offering rate. As capital requirements have risen, banks are allowed to make less loans given a certain amount of capital. That has caused an increased demand for capital from depositors. As described in this Federal Reserve ruling, effective January 1st, 2014 the Federal Reserve is again raising capital requirements. As you can see here money can be borrowed, in the United States, at .0825% (100 - 99.9175). Currently interest rates paid to borrowers are quite high compared to prevailing inter-bank rates. They could see more upward pressure given the fact that banks will be forced to maintain an increased amount of capital for a given amount of loans.

596916

If you read the article in the 2nd or 3rd paragraph it talks about charges against Angelo Mozillo (countrywide) though my personal opinion is that its going to be tough to win for the government, even with the witch hunt media attention.

596936

In my opinion, it generally makes sense to focus all of your debt-reduction energy and funds on one loan at a time. There are two reasons for this: It will allow you to more quickly move from 4 loans to 3 loans, and then 2, and then 1, providing you with a sense of progress and motivation. As you reduce the number of loans that you have, your monthly minimum payment obligations will be reduced. Then, if you have a month with an emergency expense, you will have more income available to you for your emergency without getting behind on your loans. There is debate about whether to pay loans in order of the loan balance or in order of interest rate (you can read about this here and here), but in your case, your highest interest loans also have the lowest balance, so either method would have you picking the same loans first. You have already chosen, wisely, to start with the $1500, 6.8% loans. Send all of your $1000 to one of these loans, and continue to work aggressively to knock out all four as quickly as possible.

596940

really don't worry about getting a serious financial internship after your freshman year, no offense but you don't really know enough to help a serious firm in a serious role. If possible try to find something close to home with any place related to the business world for any amount of hours. Any business experience is enough to apply for a financial internship your sophomore summer as it will just prove you are smart enough to work for a company and not fuck up. Take this time to do some of your own research looking at specific fields you are interested in. I've had friends have success in the past where early on they just called around and networked through some friends, and shadowed like 5 different financial jobs for a day or two that summer. Really gives you an idea on what the day to day tasks are for different positions, something you can't get in a classroom. Lastly don't stress about any of this stuff too much. No company is going to throw out your application because you had 2 years of finance internships instead of 3 or if your gpa isn't perfect. if you focus on learning these next few years about something you're interested in, you'll be not just good but great at what you do and you'll be successful.

596957

Can you reduce your interest rate? Talk to the lender. Maybe. Probably not. The rate reflects their perception of how much of a risk they're taking with the loan. But if all you're borrowing is $2000, the savings that you might get out of any adjustment to the rate is not going to be all that significant. Sure, it would be nice, but it's not going to be enough to make or break your decision to buy this car. The big savings will be that you're paying interest on a much smaller loan, which means you can reduce your payments and/or pay it off more quickly. REMINDER: NEVER TALK TO AN AUTO DEALER ABOUT FINANCING UNTIL AFTER THE PRICE OF THE CAR HAS BEEN NAILED DOWN -- otherwise they will raise the purchase price to cover the cost of offering you an apparently cheap loan.

596959

It isn't as simple as just borrowing money. This is more of an economics question but there are reasons to borrow money (simple example being when the economy is growing too slowly) and reasons to increase taxes (basic example being when the economy is growing too fast). Check out monetary and fiscal policy on investopedia or youtube, this should give you a good understanding. Now one more thing to consider is the 'risk' of governments defaulting on their loans. In a simple sense, the more debt a government has the more risk there is to default. This means people who lend the government money will want a higher interest rate, making it harder for the government to borrow money.

596973

Register in Nevada. It's a no brainer. I understand that it's not a great deal of money, but if you can save several hundred dollars per year, why not? It's the same amount (actually probably less) of paperwork to register in Nevada.

596986

Can anyone elaborate on her role in the company? Is she really more than a pretty face which helps the company grow revenues and attract a high valuation? I understand she is a co-founder and I'm sure that she holds a significant chunk of equity, which will make her even wealthier in the future following a liquidity event. However, I don't see how an actress with no prior technical or business schools would be helpful beyond the marketing aspect. From what I gather, it's Brian Lee who actually runs the company. Either way, I give this woman props as she has managed to transition to being an entertainer and a businesswoman at the same time.

597053

Yes. W4 determines how much your employer will withhold from your wages. Leaving everything at default would mean that your salary is your only taxable income, and you only take default deductions. Your employee will calculate your tax withholding based on that. But, if your salary is >200k, I assume that you have other income (investment/capital gains, interest on your bank account), which you will have to pay taxes on. You're probably going to have some deductible expenses (business/partnership expenses, mortgage interest, donations, college funds etc) as well. So it is very likely, unless you're really not smart about money, that you have more to do with your taxes than just the employers' withholding.

597091

Yes, because we don't want to be China. It also helps stimulate an economy to have your largest portion get most of the wealth. Warren Buffett can only eat one meal at a time, live in one house at a time, and only has so much time in his day. If you give his yearly salary to 150 people that are right now unable to do any of those things, they will put that money to better use.

597098

I don't think that it necessarily means they were more intelligent at all. China and India historically were always the wealthiest and most technologically advanced nations economically until very recently. Europe was mainly more advanced militarily. It's not like intelligence changes that much for a population over just a few generations. Europe was really only more advanced after the crusades and even then they were only more advanced due to their quick adaptation of gun powder, which originally came from china.

597106

Another reason this stock market is just one gigantic fabricated bubble. A combination of firing people (and not giving significant pay raises while making fewer employees do more work) to make profits seem higher and those buybacks. People look at me like I'm crazy

597117

You're welcome, good questions on a confusing topic! Let me see if I can unpack it a bit, try to clear up the way accrual accounting jukes and jives... > I buy an airline today. I get to recognize the revenue from any pre-sold tickets starting tomorrow and reduce my deferred revenue liability... Hmm... Are you sure that's the case? Does purchasing the business somehow cause those future events to resolve? I could be way off base here so let me know if I'm missing something, but whenever an airline ticket is purchased in advance, it's a balance sheet issue. Cash is increased and there is a liability created for Deferred Revenue. The revenue hits the income statement only when the flight takes place. As you noted, this would be accompanied with the usual trappings of costs and expenses, etc. > However, I don't get that cash as it has already been paid to the previous owner. Sure you do! Their bank account is now yours, right? I imagine that buying an airline company would be a matter of transferring ownership rather than to resolve any underlying uncertainty in the recognition of earnings, yeah? As for valuation, it may depend on if you're looking at the income statement in isolation and relying on EPS or if you're using a more integrated approach with the balance sheet, which would bring these sorts of developments to light. Does that help? Any part still clear as mud? EDIT: words

597131

Sales data for one county in FL, July single family home sales. year units median_price median_size 1 2016 2061 221500 1857 2 2017 2126 220000 1770 Looks pretty flat to me. (Mean) $/sqft up 50 cents.

597132

Hey OP, Don't listen to the negative comments, they don't know what they're talking about. I just got hired as an associate i-banker at the top investment bank in my country , which is roughly at the level of American bulge bracket banks. I'm an introvert. Yes, I like to drink and socialize, and part of the interview process involved cocktails and dinner with other candidates and several ibankers at all levels . But I-bankers are just geeks in suits. As long as you are comfortable in social settings , you don't need to be an alpha male or frat jock. I recommend meeting as many ibankers as possible. Have coffee chats and learn about the people that work in the industry. Good luck.

597135

Two possible reasons: You can tell which scenario it is based on the credit history they provide you. If you look at the history and they show you your scores for each month, even though you didn't initiate it, then they are auto checking it each month. If the historical dates are only on the dates you clicked on the button, they are only checking when you manually click on it. As for the why they provide it, a few years back it was a desirable feature. Now they all do it just to keep pace with everyone else. Note that most banks only provide a single scoring model from one bureau (but different banks use different bureaus).

597146

Directly? That's hyperbole. Its not like she was managing the data or even the method of safeguarding the data. She was managing the person who was supposed to secure and keep securing that data. That doesn't make her blameless, but I wouldn't say she was directly responsible. She was tangentially responsible as the person ultimately in charge of Yahoo operations.

597150

I know what your saying. But I think there is a bit of hopes and feels in stocks also. If people feel like it's going to go down they sale. Causing it to go down right? Bad news article comes out about a stock or bitcoin. They go down. Good news article comes out they both go up. Even if the company changed nothing. Bit of hopes and feels involved. Edit: pose that as a question. Am I completely off the mark here?

597153

Nope, because Ticketmaster has many venues locked up to the point Amazon will not be able to compete with them there. Until and unless Amazon can break into those contracts, Ticketmaster will still have a monopoly over many of the best venues.

597154

You clearly have no understanding of the issue. As an example, lets say Apple sells an iphone in France. Apple has to pay income tax and tarrifs and whatever else on that money they receive for the iphone they sold. That makes sense, they use France's infrastructure and citizens to sell the phones. Then when the money comes back to the US (the money is not coming back at this time), Apple is taxed on the same money from the iPhone they just paid taxes on in France. That makes selling iPhones outside of the US difficult due to tax law and regulations that other companies don't have to deal with. This makes it easier for other phone manufacturers to sell phones at a profit and not Apple. This hurts Apple at the end of the day and keeps the money in foreign countries when it could be re-invested in the US... What is the point of selling internationally if you are going to have to pay two sets of taxes and likely lose money?

597191

Thanks for the answer! Yeah it is pretty insane that they have to keep 100%.. I'm also seeing that in-flows from clients wouldn't be seen as a operating deposit but rather as non-operating, wouldn't this mean that the short-term wholesale fundings wouldn't be calculated in LCR? So Basel III want the banks to have more HQLA which comes at a cost . Or did I misunderstand that part?

597199

Self employment is typically harder to qualify with than W2 income. In general the bank is going to want 2 years of tax returns. You will be asked to sign a 4506-T that allows the bank to get the records directly from the IRS. Self employment income will be averaged across the 2 years, I don't think a 20% drop in profits is large enough to cause concern but it might. I would plan on being able borrow against the lowest year just in case. If you get a W2 job you will be able to count the income immediately assuming it is not a temporary position. The bank will ask for the offer letter. If you have decent credit and 20% down, you should be able to get a mortgage either way. A W2 is typically less paperwork and you would get to claim your current income assuming that is higher than your past income.

597206

You should find the best online jewelry seller in USA, which has a unique high quality material necklace. It is one of most online seller of jewelry, the essential oil necklace gives you a beautiful look. It is a basic needs of every woman to wear the latest design in jewelry, so we complete that requirement. It is an interesting place for those customers who fear to buy any product online, our company Izzy Bell Boutique makes the very cheapest price and latest design essential oil necklace. So we are also available online for full fill the requirements of the customers.

597215

You mean auto dealer bailouts? Has happened multiple times already. Also dealerships have been doing this type of lending with banks for years.. which is why direct sales is likely a mu have better model than dealership model...but hey I didn't invent this.

597229

While r/finance has some great advice and posters who are well versed in their fields, this appears to be a legal question and if you're really concerned about the legality, I would strongly advise you to check in with a lawyer, not an online internet commenter. While there is a lot of good content on this site, you do see comments where the person is completely talking out of their ass. It would suck for you to raise concerns at your job, based on faulty 'legal' advice.

597241

Thought this might be a bit useful for you... http://www.score.org/resources/business-plans-financial-statements-template-gallery Edit: I haven't used their templates in a project before but, glancing at them, they look pretty through. Previously, I've created my own statements in Excel based on templates I've seen in old accounting books. Good luck with your business plan!

597243

I have and I was close to going that route but I live in a relatively rural area and the only viable antenna would need to be powered and roof mounted. This is something I would be willing to do as it's still cheaper than having cable/satellite but even with this I won't get many of the games I want (we would still not have clear reception for some major channels). I found that basically, without ESPN I cannot get the majority of the games we want to watch. That's what it boiled down to. No ESPN. I was all set to get an Apple TV (or similar device), a powered antenna, a VPN so I could catch the European soccer I like but I couldn't find a way to get ESPN and that eliminates too many of the games we like to watch.

597247

Millionaire, Shmillionaire! Let's do this calculation Bruno Mars style (I wanna be a Billionaire...) If my calculations are correct, in the above scenario, at age 80, you would have more than a billion in the bank, after taxes.

597261

I would refrain from commenting on market timing strategy, but please don't park extra AUD cash in IB. Park cash in your local bank high interest savings, and get a Margin account at IB. When you want to pull the trigger, use margin loan to buy stocks immediately, then transfer cash from local bank to IB afterwards.

597265

My realtor told me that even though they're only asking for 1/2 the money and have excellent credit that the mortgage company may not lend it to them if I'm over priced. Is this true? I've never heard of it before. It is a chance, but it is a red herring to the discussion. Having excellent credit has nothing to do with being eligible for a debt object of a specific size. Just because you have excellent credit, would you get approved for a property of $10,000,000 if you only made $35,000 a year (and had no other net worth)? But regarding your potential buyers, a chance vs a good chance is different. Your realtor just told you some basic always true lending fact that has nothing to do with your situation.

597284

"This is dire stuff for my fellow workaholics. From the article: ""Now it seems that clocking up more than 55 hours a week means a 40% higher chance of developing an irregular heartbeat, known as atrial fibrillation (AF), when compared to those with a better work-life balance."""

597285

No, it's not a good idea. You started by saying you'd like to invest, but then mentioned something that's not an investment, it's a speculation. Both Forex and CFDs are not really investments. They are a zero sum game where over time, it's a pool of your money, the other trader's money, and the broker, redistributed over time. If you truly wish to invest, you'll read up on the process, understand your own long term goals, and put aside X% (say 5-15) of your monthly income. You should look into investments that are long term, and will fund your retirement 30-40 years hence.

597291

I think you have to dispute with the Credit Union provider that the funds have not reached the account. Ask them for the details, even if electronic, they will have reference numbers. Also provide the Credit union your copy of the current loan account ... it would not reflect the credit. Keep following up

597295

"Please note that the following Graham Rating below corresponds to five years: Earnings Stability (100% ⇒ 10 Years): 50.00% Benjamin Graham - once known as The Dean of Wall Street - was a scholar and financial analyst who mentored legendary investors such as Warren Buffett, William J. Ruane, Irving Kahn and Walter J. Schloss. Buffett describes Graham's book - The Intelligent Investor - as ""by far the best book about investing ever written"" (in its preface). Graham's first recommended strategy - for casual investors - was to invest in Index stocks. For more serious investors, Graham recommended three different categories of stocks - Defensive, Enterprising and NCAV - and 17 qualitative and quantitative rules for identifying them. For advanced investors, Graham described various ""special situations"". The first requires almost no analysis, and is easily accomplished today with a good S&P500 Index fund. The last requires more than the average level of ability and experience. Such stocks are also not amenable to impartial algorithmic analysis, and require a case-specific approach. But Defensive, Enterprising and NCAV stocks can be reliably detected by today's data-mining software, and offer a great avenue for accurate automated analysis and profitable investment. For example, given below are the actual Graham ratings for International Business Machines Corp (IBM), with no adjustments other than those for inflation. Defensive Graham investment requires that all ratings be 100% or more. Enterprising Graham investment requires minimum ratings of - N/A, 75%, 90%, 50%, 5%, N/A and 137%. International Business Machines Corp - Graham Ratings Sales | Size (100% ⇒ $500 Million): 18,558.60% Current Assets ÷ [2 x Current Liabilities]: 62.40% Net Current Assets ÷ Long Term Debt: 28.00% Earnings Stability (100% ⇒ 10 Years): 100.00% Dividend Record (100% ⇒ 20 Years): 100.00% Earnings Growth (100% ⇒ 30% Growth): 172.99% Graham Number ÷ Previous Close: 35.81% Not all stocks failing Graham's rules are necessarily bad investments. They may fall under ""special situations"". Graham's rules are also extremely selective. Graham designed and backtested his framework for over 50 years, to deliver the best possible long-term results. Even when stocks don't clear them, Graham's rules give a clear quantifiable measure of a stock's margin of safety. Thank you."

597299

In this 100% free course, you will learn the INSIDER SECRETS that we and hundreds of others have successfully used to create long-term sustainable wealth that allows you to FEEL GREAT about what you are doing and who you are helping ALL while simultaneously making HUGE MONEY! This course was written by active owners, operators and investors in Group Homes,

597311

Because when you go out to get something, you're not just paying for the burger. Almost anyone can make a better burger than most places out there when they make one at home. This isn't a good argument to not pay the $15. Now, if you go out and you pay the $15 and you don't have a good *experience,* then that's another problem.

597315

I have never owned cable. I do stream shows or rent dollar DVDs. The only scheduled programming I partake in is sports, and I get that for free and in HD with either an antennae, or from just plugging my coax into the wall. Uncle_Erik is right, to older people this is a crazy way to live, but it is completely normal for the majority of younger people.

597328

I want to know it is taxable any guidelines As per the income tax rules, this is taxable to you. The amount will be treated as gift to you. The limit of this in a year [across all friends] is Rs 50,000. If the limit exceeds, the entire amount is taxable. You would need to declare this as other income and pay taxes as per your tax brackets.

597333

"Agreed. Sometimes, I wish I would have done something more creative, more engaging, more dynamic. Finance is very straightforward and logical. For every contingency there is a specific set of rules/theory you follow to make a decision. I work in corp dev at a fortune 500 healthcare company and very little gut decisions are made without a ""model"" or endless PowerPoints explaining a decision. Of course this is an incredible simplification of the finance industry, but you can't tell me that working in finance can hold a candle to the every-day general dynamics of working for a small web start-up. Sometimes I think of how much I would enjoy doing that, working for a startup. But then I log into mint and I laugh as a model goes down on me while I sip on johnnie walker blue on a tuesday night. Life's good."

597339

You're allowed to smoke inside but doing so at the table is frowned upon. That said, if you do do it at a table, no one will ask you to leave unless one of the other players does (depending on the casino, I suppose).