Datasets:

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fiqa

like 5

598478

"I up voted JoeTaxpayer but i would like add a couple of things. Dollar Cost averaging over a 5 day period is in no way practical. If you get a 1% swing in that time that would be quite a lot. Personally I think 5 years is way to long. When markets go down they go down fast. I would suggest 1 to 2 years investing quarterly. I would hate seeing you miss out on market gains for a 5 year period on the last of your money. The whole point of Dollar Cost averaging instead of market timing is the mantra ""Its about time in the market not timing the market"" So if you have money on the sidelines for years you are missing out on your time in the market."

598484

"I hate to be the guy that says this but if you are indeed competing in the CFAI Research Challenge it is probably important. Remember you cannot use CFA as a noun (CFA's) you can only use it as an adjective ie a CFA charterholder. As far as you question, what was provided below is pretty much all you need. Security Analysis, anything from the NYU professor and Greenwald stuff (although Greenwald, like someone already mentioned, is balance sheet focused) will get you where you need to go. I am not sure what you mean by ""exotic valuation"" methods. As far as I know, the three most accepted and used valuation models by practitioners are the DCF model, the multiple model and the residual income model. DCF uses short term cash flows and a terminal value discounted to today at some discount rate. The multiple model puts some multiple on earnings, book value, cash flow to arrive at a fair value. The residual model is the opposite of the DCF. One starts with the assets book value, then accrues all income generated in excess of WACC from all future periods. Find some CFAI Level 2 books on equity and bond valuation. They pretty much cover it all. And for a closing note, to perform well in investing and valuing companies it is not about what valuation model you use. Focus on WHY an asset should be worth what you think it is worth, not HOW you get to some valuation of that asset. Just my two cents."

598500

We did it where I used to work. Take IT, as an example, where a developer's time was priced close the market prices. The company, though in a completely unrelated area, did have some conference rooms that could be rented and the price was the same internally externally. The good things about the system was that costs where adequately accounted for. Also, departments that might have been only cost centres actually could turn a profit by servicing internal customers.

598502

Right so let's get rid of the civil rights act and go back to segregated diners. The realities of a capitalist society are more nuanced than the ownership ideology you espouse. If property rights were defended with this much vigor, then the tyranny of government would swiftly be replaced by the tyranny of the plutocrats. We live in a better world because those who provide services to the public are required to treat the public with fairness. Life, liberty and the pursuit of happiness and all that. These concepts are also a part of the constitution.

598507

Very appropriate use of the quotations. this isn't a solution. this is akin to a doctor to negligent to do their job to save a patient and putting them on life support hoping to keep them going as long as possible to hide their incompetence before the shit hits the fan. Only a fool would think they could keep the patient alive forever.

598520

> It's as if capitalism has a natural tendency to make the strong even stronger and lead to monopolies that eventually screw the public! > Slow down there Marx, even in this example people are getting goods cheaply and more conveniently. It's hard to find examples of large businesses that actually end up making their customers worse off by beating off all competitors with low prices then raising prices after.

598526

> Water is — I mean we’d be willing to pay almost anything for water, but it’s really, really cheap Because price has nothing to do with how much need it and everything to do with how scarce it is. Water is needed 100% by all humans every day of their life but it's abundant. The price reflects the abundance.

598531

I realised this pretty brutally this year. I hit six figures and was like, wait, what, why isn't life just cruise control rich mode now? Oooooooh, I need to do other stuff as well, fuck, I wasn't prepared for this. It's good now though :)

598547

does your sister agree to sell her share of the house? Will you live in the house or rent it out? In Australia if you rent out the house you can claim on expenses such as interest deductions, advertising cost, advertising to get tenants in, maintenance cost, water & sewerage supply charge, Land tax, stamp duty, council rates. A percentage of these expenses can be used to reduce your gross income and therefore reduces your tax liability (called negative gearing). Not sure how other countries handle investment properties. If you plan to live in the house and not rent it out and you have spare cash to buy outright then do so. You don't want to be in debt to the bank

598553

The payments might be on time, but the aren't made the same numbers of days apart: The percentage of the daily payment for interest is decreasing, but the numbers of days wasn't constant.

598559

Hey i work in the finance sector at management level. For the role you are applying for time management is a must, make sure you have some well prepped solid examples to go through. Same with stakeholder management, try to think of examples where you've had to influence the opinion of others. Has the firm given you a structured answer format to follow? If not i would recommend you follow the STAR format for each question as its easy to pick up... Situation, Task, Action & Result... Try to throw in what you learnt from each experience too. Remember to take have some questions ready that you would like to know about the role or company... Questions like 'what would success look like in this role' are always good. Good luck! Got to go for food right now but feel free to contact me if u need any advice

598562

"Debt cripples you, it weighs you down and keeps you from living your life the way you want. Debt prevents you from accomplishing your goals, limits your ability to ""Do"" what you want, ""Have"" what you want, and ""Be"" who you want to be, it constricts your opportunities, and constrains your charity. As you said, Graduated in May from school. Student loans are coming due here in January. Bought a new car recently. The added monthly expenses have me concerned that I am budgeting my money correctly. Awesome! Congratulations. You need to develop a plan to repay the student loans. Buying a (new) car before you have planned you budget may have been premature. I currently am spending around 45-50% of my monthly (net)income to cover all my expenses and living. The left over is pretty discretionary, but things like eating dinner outside the house and expenses that are abnormal would come out of this. My question is what percentage is a safe amount to be committing to expenses on a monthly basis? Great! Plan 40-50% for essentials, and decide to spend under 20-30% for lifestyle. Be frugal here and you could allocate 30-40% for financial priorities. Budget - create a budget divided into three broad categories, control your spending and your life. Goals - a Goal is a dream with a plan. Organize your goals into specific items with timelines, and steps to progress to your goals. You should have three classes of goals, what you want to ""Have"", what you want to ""Do"", and who you want to ""Be""; Ask yourself, what is important to you. Then establish a timeline to achieve each goal. You should place specific goals or steps into three time blocks, Near (under 3-6 months), medium (under 12 months), and Long (under 24 months). It is ok to have longer term plans, but establish steps to get to those goals, and place those steps under one of these three timeframes. Example, Good advice I have heard includes keeping housing costs under 25%, keeping vehicle costs under 10%, and paying off debt quickly. Some advise 10-20% for financial priorities, but I prefer 30-40%. If you put 10% toward retirement (for now), save 10-20%, and pay 10-20% toward debt, you should make good progress on your student loans."

598596

In most jurisdictions, you want to split the transactions. Why? Because you want to report capital gains on your investment income, and this will almost always be taxed at a lower rate than employment income. See Wikipedia's article for more information about capital gains. In Canada, you pay tax on 50% of your realized capital gains. There are also ways to shelter your gains from tax; in Canada, TFSA, in the US, I believe these are 'roth' accounts. I actually think you have to split the transactions, at least in Canada and the U.S., though I'm not absolutely sure. Regardless, you want to do so if you plan on making money with your investments. If you plan on making a loss, please contact me as I'm happy to accept the money you are planning on throwing away.

598607

So I want to sell my 100 shares of AAPL to him at a price of 10 or even 1 US Dollar. Is that legal/allowed? Of course. It's your stocks - do with it what you want. if the two persons are not served by a same broker. You'll have to talk to your broker about the technicalities of the transaction. if the person who sell are US citizen and the person who buy are not, and and vice-versa Since you asked specifically about US citizenship, I'll assume you're in the US or the transaction is taking place in the US. Citizenship has nothing to do with it (except may be for economic sanctions against Russians or Iranians that may come into play). What is important is the tax residency status. Such a transfer is essentially a gift, and if you're a US tax resident (which doesn't correlate to your immigration status necessarily) - you'll have to deal with the gift tax consequences on the discount value. For example - you have 100 shares of AAPL which you sold to your friend for $1 each when the fair market value (FMV) was $501. So essentially, the friend got $50,100 value for $100. I.e.: $50K gift. Since this amount is above the annual $14K exemption - you'll have to deal with the gift tax and file gift tax return. There are also consequences for the capital gains tax for both you and your friend. I suggest you talk to a licensed tax adviser (EA/CPA licensed in your State) about the specifics given your circumstances. If you (or the recipient) are also a foreign citizen/tax resident - then that country's laws also may affect your situation.

598610

"No, they are outselling select models than competitors who have a much broader product range. Each of those sells many times more cars than Tesla and here's a newsflash, they don't make their bread and butter selling the high end cars. Get back to me with total numbers of cars sold and a real market share figure. If the Model 3 outsells the entire range of 3-series cars or A4s, let me know. For the record, BMW sold nearly 150,000 3-series cars last year, and delivered over 2.4 *Million* cars worldwide last year. Tesla, across all models they offer sold less than half of JUST 3-series sales. I don't know if you need a banana for scale or what but Tesla is hardly even a blip on the radar when it comes to market share, period. And no, you cannot compare their Model S to ONE model that anyone else offers, or ""COMBINEDZOMG!"", that's cherry picking and utterly useless data."

598618

"Here's what a US ""free trade"" agreement looks like to any foreign nation 1) You must buy our very expensive drugs 2) You must allow all our products in without tariffs 3) You must adopt our fucked up copyright laws 4) Fuck You."

598627

Well a) some people aren't in an area where broadband is even offered and b) if all you want is email, instead of giving your cable company $50 a month, giving AOL $21 a month is a better deal. That said, it's probably also true that a huge percentage of their users are still there through inertia or the misguided assumption that they'll lose their aol.com address.

598646

"From Intuit: ""Yes, but there are limits. Losses on your investments are first used to offset capital gains of the same type. So short-term losses are first deducted against short-term gains, and long-term losses are deducted against long-term gains. Net losses of either type can then be deducted against the other kind of gain."" ""If you have an overall net capital loss for the year, you can deduct up to $3,000 of that loss against other kinds of income, including your salary, for example, and interest income. Any excess net capital loss can be carried over to subsequent years to be deducted against capital gains and against up to $3,000 of other kinds of income."" So in your case, take the loss now if you have short term gains. Also take it if you want to take a deduction on your salary (but this maxes at 3k, but you can keep using an additional 3k each year into the future until its all used up). There isn't really an advantage to a long term loss right now (since long term rates are LOWER than short term rates)."

598680

You can trade currency ETF options on IB. It is SIPC insured; the options are just like vanilla options in Saxo.

598705

this will not work, why they fuck they are slow to act? are they waiting for something while robbing everyone blind... just go to a rich guy and take his stuff he will never share, never. he will lie and cheat like mr gates here.

598706

Is there some evidence in the article or elsewhere that the purpose is to kill off these competitors rather than simply to compete? Competition is normally considered good in these kinds of situations, as it cranks out better efficiencies (for which an argument can be made here), but taking actions specifically for the purpose of killing off competition is not good because it reduces the pressures on efficiencies. Killing off competition by artificially lowering prices below real market value is considered dumping, but I don't really see evidence of that in the article. Is there some hidden somewhere or is the article just trying to make a point without any basis? I do have concerns about the Amazon play, but sensationalist or bias-driven reporting won't help me puzzle through them.

598737

Economic cycles are highly predictable, but it takes many years of study, and there are many variables involved. Obviously, upon examination of the historical returns of the market, being only half correct about buying near bottoms and selling near tops is more profitable and less variant than buy & hold. If you've spent many decades on this Earth and are honest with yourself, you can sense the various times. Try now: are we closer to the top or the bottom? It should be obvious.

598764

I know that assets like bonds have prices that have an inverse relationship with interest rates, but what other assets do as well? I'm a bit new to finance and all that so I'm trying to learn. Would real estate prices be high as well? If so, why?

598779

But the article doesn't say you go to these people's homes to purchase the stuff. I assume they bring items to fairs, markets, etc. You never know if cats are on counters or their children are sick and sneezing on everything. It is much easier to send a sick worker home from a business, but you can't really do that when your business is in your home.

598789

Waterkoelers zijn verkrijgbaar in veel maten en zijn zeer gebruikelijk in pauzes op de werkplek. Het kopen van een waterkoeler voor thuis of op kantoor kan een breed scala aan voordelen bieden. We weten allemaal dat hydratatie belangrijk is en veel mensen geloven dat water de beste en meest natuurlijke manier is om goede gezondheid te behouden.

598801

"1$? No, my SSN is worth way more than that. I've gotten a ""our system has been hacked, your info might be compromised, here's one year protection"" letter 3 times in my life from 3 companies. I'm so thankful I'm lucky I wasn't someone who's info was used for nefarious deeds. Having personal info like this stolen should have a much more sever penalty. Try $1,343 per person's info stolen, as that is the average cost to an individual who is a victim of identity theft [as determined by the DOJ in 2014](https://www.csid.com/2016/09/real-cost-identity-theft/). You lose 143 million people's info to hackers, you bet your ass it's going to cost you. It will cost you $192,049,000,000 Since that would destroy most companies, and identity theft destroys individuals, having the average cost as a penalty would make companies think twice about skipping out on solid infrastructure and protection for their user's data. I'm currently coding an application with a database that takes user login credentials (including passwords). You bet your ass I'm making sure this ship is secure before I let anyone use it."

598802

"I sort of do this with credit cards. I actually have 4 AMEX cards that I've accumulated over the years. Certain types of expenses go on each card (""General expenses"", recurring bills, car-related and business-related) I use AMEX because they have pretty rich iPhone/Android applications to access your accounts and a rich set of alerts. So if we exceed our budget for gas, we get an email about it. Do whatever works for you, but you need to avoid the temptation to over-complicate."

598807

Pros: Cons: Before the housing bubble the conventional wisdom was to buy as much home as you could afford, thereby borrowing as much you can afford. Because variable rates lead to lower mortgages, they were preferred by many as you could buy more house. This of course lead to many people losing their home and many thousands of dollars. A bubble is not necessary to trigger a chain of events that can lead to loss of a home. If an interest only borrower is late on a payment, this often triggers a rate increase. Couple that with some other things that can happen negatively, and you are up $hit's creek. IMO it is not wise.

598834

"There are two different issues at play here, and they are completely separate from each other: A bank or cashier's check is ""safer"" than a regular personal or business check because it avoids problem #1. Problem #2 exists with all kinds of paper checks. I assume the reason the warnings are about cashier's check moreso than personal checks, is simply because people already know to wait for personal checks to clear before handing over merchandise to the buyer. People are less likely to do that when receiving cashier's checks, but perhaps they still should if there is any doubt about the validity of the check. One could argue that a cashier's check actually provides a false sense of security due to this (to the receiver). On the flip side, if you are the payer, then a cashier's check could be thought of as more secure than a personal check because you don't have to reveal your bank account information to a stranger."

598841

"This is the best tl;dr I could make, [original](https://www.bloomberg.com/view/articles/2017-06-21/the-wrong-kind-of-entrepreneurs-flourish-in-america) reduced by 91%. (I'm a bot) ***** > In an influential 2014 paper, Thomas Philippon speculated that financial industry profits and salaries rose spectacularly since 1980 because banks, securities firms and fund-management companies found new methods for extracting rent. > Big companies are shelling out increasingly big bucks for patents, just to shield them against competitors' lawsuits. > Some states forbid car companies from selling directly to buyers, while others protect credit-card companies by banning retailers from passing on swipe fees. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6itbxk/the_wrong_kind_of_entrepreneurs_flourish_in/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~150176 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*: **company**^#1 **Rent**^#2 **big**^#3 **new**^#4 **government**^#5"

598855

One more effect that's not yet been mentioned is that companies based in Australia and listed on the Australian Securities Exchange, but which do most of their business overseas, will increase their earnings in AU$, since most of what they earn will be in foreign currencies. So their shares are likely to appreciate (in AU$).

598876

"In this context, we're talking about terms of art in accounting, specifically double-entry book-keeping. In accounting lingo, an ""asset"" account represents an actual asset and it's value. So if you buy a car with a loan for $10,000, you apply a $10,000 debit to the asset account and a $10,000 credit to the loan. Debits and credits are confusing when you first start learning about accounting."

598894

> Does it take money to provide for me in the same way a slave owner takes labor to pay for and feed his slaves? No because a slave does not get to vote on his/her owner nor is he/she allowed to leave. So, are you going to answer [my question about how multiple providers of services currently handled by the government could work](https://www.reddit.com/r/economy/comments/6leb2o/missouri_republicans_lower_st_louis_minimum_wage/djurery/) or do you plan to keep evading the question?

598899

How will your employer treat your pay and benefits status while you're on leave? Disability income coverage and leave policies work in tandem to solve very different problems. Disability income coverage covers your income, leave policies guarantee your status as an employee. Typically, STD coverage requires an actual loss of income and will offset it's stated benefit for any income you're receiving. In general you can't begin a STD claim after the 7 day waiting period and also draw income from vacation or sick time. Also, typically STD will cover some percentage of your covered pay (sometimes including commission/bonus income) up to some weekly maximum. FLMA requires employers to allow certain amounts of time for certain types of leave. FMLA is not necessarily an income replacement tool like STD coverage. Contrary to your post it's my understanding that if sick and vacation time accrue in to a single PTO bucket your employer is prohibited from requiring employees to exhaust accrued time prior to beginning FMLA leave. In general, you're not missing anything because the point of FMLA is to guarantee your job and status as an employee from a benefits perspective. Benefits language from the Department of Labor Website A covered employer is required to maintain group health insurance coverage, including family coverage, for an employee on FMLA leave on the same terms as if the employee continued to work.

598908

cash isn't part of changes in working capital calculation - dont include it in current assets. *edit - Also to answer a question you didn't ask, subtracting cash doesn't skew the multiples. If cash really is that excess, the market cap will reflect a large cash position, thus adding it all back into EV. Think of apple as a good example. If they theoretically would dividend out all the cash, market cap would drop and so would EV.

598936

Are you kidding me? There's only one reason. Greed. If CEOs pay their workers less they take more home for themselves. Period. There is no other reason. It's wrong, because the front line workers are the ones who make the company work. They're the ones who earn 90% of the money. But they get 10% of the profits. It's crooked, and it's greedy, and that's all.

598939

Haarverlängerung und -verdichtung zusätzlich im ständigen Angebot --Modefrisör Pohl in der Fürstenriederstrasse im München schneidet nicht nur Haare und färbt und fönt sie. Er bietet zusätzlich Haarverlängerung und Haarverdichtung an, und das seit fast 20 Jahren. Hierfür stehen separate Räume mit einem eignen Eingang parat. Der Friseursalon bietet auch natürliche und modische Perücken von namhaften Herstellern an. Hier sind Sie in besten Händen und dürfen sich verwöhnen lassen.

598960

You won't hear me calling crypto a safe haven as such. The local price volatility is more than most people can handle. And it takes a level of tech savvy to be able to separate facts from nonsense. By my personal analysis, Ethereum (ETH) would be the safest crypto investment by far. Bitcoin (BTC) is also surprisingly resilient in terms of value, but has been deprecated on multiple levels at this point, so it seems quite overvalued (or Ethereum undervalued for that matter). The rest of crypto can probably best be compared to investing in startups. High risk, high reward.

598968

I go in, grab my motor oil (one of the few items Walmart is significantly cheaper on) , go through the self checkout, and leave. I don't really care about the store experience or need my hand held to find an item...I expect most who shop at Walmart, even on occasion like myself, would feel similar.

598993

Let's do a real example of leverage on the SPY. Imagine you have $20K today and plan on having $100K by JAN 2018. You could get 100 shares of SPY and ride it out. Maybe buying another 100 shares every few months until 2018, ending up with less than 500 shares to your name ( and zero cash in the bank ). or You could lever with DEC 2017 LEAP CALLS. They'll expire in 2.5 years, so you'd have to re-up sooner than your plan. With 20K starting cash, in my example we'll go with 5 contracts to start with. If we choose the $230 strike they'd cost $1250 each (putting roughly $6250 at risk). The plan in is if the stock market goes up, you've got leverage. You are the proud owner of contracts worth 500 shares of SPY and have only spent 1/3rd of your present day dollars. If the market goes down in the next two years, sure, you lost the entire $6250, but likely saved $93,750 powder dry and can try your luck with the 2021 LEAPS. Probably get down votes for this, but I'll even argue that proper use of leverage can very much reduce your risk. One truth is you'll never get a margin call from holding long options.

598994

"> How does this reflect upon 8 years of the AHCA? It's a good question but I suspect the answer is ""not good"". It had a few things to improve our circus of a healthcare system but mainly focused on getting more people into the dysfunctional tent."

598997

None whatsoever, no. Moreover, trying something like that would very likely trigger a full audit.

599003

If I own shares of a company, am I entitled to apply as position of CEO? Sure, but anybody else can apply too. Who decides? The corporate board of directors, who are nominally chosen by a vote of the stockholders. I say nominally, because in practice they are nominated by the current CEO and it's very rare for stockholders to veto the CEO's choice. Once in a while a group of stockholders will nominate their own candidate for the board, but they rarely win. I'd like to think there's some socio-corporate or investor-relationship advantage to working or having the option to work in certain positions in said company -- especially by privilege or total outstanding share ownership numbers. Why? Simply holding a large number of shares doesn't necessarily mean you know anything about running the business.

599004

Well you have to understand that even when working full time at minimum wage you generally have very little money or time that can go towards going to school, having kids or having any kind of fun at all in life. Do you really understand what it's like to start from the bottom? It's always getting worse for the bottom subset so it's always getting more difficult to change their lives. It's not impossible but it actually is incredibly unfair. This is not a meritocratic society. This is not a utilitarian society. All the rich really want is to feel like they are better people than others. They don't have the incentive to want to actually make people better around them. When almost everything is owned in society and you don't own any of it than you yourself are effectively owned as well.

599014

">So, are you going to bring some facts I don't know about to this debate Reddit posting space is so small, and the sum total of facts (*real* ones, not the ""official"" ones) of things you are blind to are so large that it would be impossible to fit them in here (even as links to outside data). >or just a drive by smearing? Your hero Krugman engages in that on a regular basis, one would have though you had become familiar with it by now."

599015

If your deductions are higher than the standard deduction, you will be able to subtract property taxes from your income. In your example, that means that taxes are computed based on $95,000. In 2011, the standard deduction varies between $5,800 (single filer) and $11,600 (married filing jointly). Tax credits are subtracted from your tax obligation. The most common tax credit for most people is student loan interest. If you pay $500 in student loan interest, that sum is subtracted from your tax bill.

599020

An important factor you failed to mention is the costs associated with owning a home. For example, every 10 / 15 years, you have to replace your AC unit ($5k) and what about replacing a roof (depends on size, but could be $10k)? Not to mention, paying a couple thousand annually for property taxes. When renting, you never have to worry about any of these three.....

599023

AFAIK, in the USA, as long as you're beneath a staff threshold of something like 13 people (correct me if someone knows the exact number), you can willfully discriminate in hiring however you damn well please. Makes sense to me. If you have a tiny business, one person being out for 3 months can have a massive impact. Not simply one fewer maze rat in the cube farm at GE.

599025

"I know that's always going to be the thing that people are talking about when they claim that not enough people go to jail for financial crimes. First, [some did](http://money.cnn.com/2016/04/28/news/companies/bankers-prison/index.html) go to jail. It's arguable that the Feds should have tried harder to find ways to accuse specific people of crimes, but the actual housing price crisis was caused by a widespread belief that housing prices just couldn't collapse as much as they did in any circumstance. That set off a chain reaction that had never happened before in any known modern economy. If you really want to go after everyone involved, it would include everyone from bankers to economists to home buyers who bought more house than they could afford, generally by lying about their income on ""stated income"" mortgages."

599043

Do a common size analysis to compare to its competitors. Also run a rqtio analysis to the industry. Explain the commonalities and differences as it pertains to the business. A lot of big banks publish research on public companies and where they're headed in terms of financials. They are usually published for a fee but you can sometimes find them for free online. It would be useful to talk about the current financial landscape like yellen, rate hikes etc if you wanna go there.

599056

"She's also emotionally manipulating you. You'll put her in a bad spot if you quit? Tough shit! She only wants you to stay because she is too lazy to find someone else. Trust me, she does NOT care about your future career goals. Also, she said she would help you out ""if you do well"". What does that mean? Has she given you a benchmark for what ""well"" is? Two months is not very long. Keep looking for something else, and if you find something better, take it. If not, just suck it up and stay there."

599058

I know one piece of information that can help you (in a macabe sort of way) - from what my wife has told me, if your partner dies, you are not responsible for paying for their debts, especially student loans. I expect the same thing for credit cards - if someone were to happen to charge $2,000 on their credit card and get hit by a bus, the credit card company can cajole and plead for you to pay for it, but you have no legal requirement to do so. Unfortunately I do not have as much information about as if you spouse is living.

599075

I don't have a reference, but I think it depends on when you entered the workforce: If you finished school at age 24, your primary goals are to pay down expensive debt and to save up enough for a down payment. So essentially not much. Maybe $5k to $10k at the most. On the other hand if you entered the workforce at age 20, with no debts and no significant expenses, it should have been easy to sock away 20% of your income for 6 years, so $40k to $50k would be reasonable. The difference is that the first person's income earning potential should be higher, so eventually they'd be able to make up the difference and pass them.

599082

"This is the best tl;dr I could make, [original](https://www.project-syndicate.org/commentary/india-botched-goods-and-services-tax-by-shashi-tharoor-2017-07) reduced by 90%. (I'm a bot) ***** > Milk products, for example, may fit into four different tax rates; generic flour will not be taxed, but branded flour will be taxed at 5%. Not surprisingly, the result has been widespread confusion about which tax rates apply to what. > Even before the GST was rolled out, the Indian judicial system was choked by indirect tax appeals, tying down some $23 billion in tax revenue. > The confusing tax rates, excessive documentation, and anxiety over the implementation of compliance requirements has prompted fears that the GST will damage people's livelihoods. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6nawok/indias_botched_tax_reform/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~166832 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*: **GST**^#1 **tax**^#2 **rate**^#3 **Modi**^#4 **India**^#5"

599083

Well, I'm from the Netherlands, which is also kind of a 'nanny' state, usually supermarket goods are fairly cheap (bottle of 1,5L Coca Cola is $1,42, a 24-crate of beer is around $11). But gasoline ($2/L), diesel ($1.60/L) and tobacco ($6-8.50) are quite expensive. Basically we have an extra tax on certain (unhealthy and environmentally harmful) goods so you get a basic consumer tax of 19% (soon to be 21%) + 15-250%. For example a pack of cigarettes of $6.50 is $1.71 without taxes right now. But for some reason alcohol isn't taxed as heavily, where tobacco gets upwards of 250% extra tax alcohol only gets 5-15.5% extra taxes.

599091

Right now, there are three major cable companies. They are very obviously operating on a gentleman's agreement not to contest each others' territories too much, and using that position to wildly inflate prices. Witness how much headroom the incumbent suddenly finds to cut prices and improve service when Google Fiber comes to town. Large shareholders have outsized influence on the composition of a Board and its agenda, because small shareholders don't organize. Giving 67% of SpinCo to Comcast shareholders means that the kingmakers for the Comcast board will be the kingmakers for the SpinCo board, except that they can't play too rough with the Charter kingmakers. And yes, they could sell their stock, but do you think they will? Right now, it's a three-party agreement between three independent companies. SpinCo will be owned directly by Charter, and by the same people who also own Comcast. It turns the three-party agreement into a two-party agreement, because both of the other two companies will have either the direct or indirect power to make sure that SpinCo doesn't contest territories too much, rather than having to rely on the third company freely agreeing to that arrangement.

599092

Glad I could help! I really got a lot from the theory, although full disclosure I didn't read the whole book, we just studied it in class. I'm a supervisor at a paintball park while I'm at school, and the thing I always admired most was how they made everyone feel like they had self worth. You could be the seasonal employee, making minimum wage, and you still knew you were valued by everyone, as long as you did your job. Everyone played their own role, while some were more important, the whole thing falls apart if its missing a small piece. Your question about IT is just like this. Even though the IT guys might be technically small potatoes next to the big time salesman, he still needs functioning computers or else he can't do business.

599103

My wife was once on a game show. The income was 1099 and wholly unrelated to gambling. I did offset the hotel cost on a schedule C against it (and filed a California return to get back the withholding) but a television appearance for a prize is not gambling. It is pay for a performance and she didn't risk any of her own money. Your friend's 8k loss can only offset casino or lottery winnings, sorry.

599108

Venezualans are earning 200 times more bolivars today than they were 4 years ago. Does this mean venezualans are outperforming Americans? Obviously not. there was a lot left out of this article. Rising cost of healthcare, housing, transportation, education etc.

599109

The total limit book is a composite of all the orders on all of the exchanges. While it's uncommon for a limit order posted beyond the NBBO to fill outside of the NBBO, it does occur. For example, the best ask may be on exchange X, but for some reason the smart order routing algorithm may select exchange Y if it judges the net trade to be less costly, malfunctions, etc, and HFTs will immediately arbitrage the order between two exchanges, or the best order on exchange X disappears causing the order to fill above the NBBO. The system isn't perfect because there are multiple exchanges, but that eventuality is extremely rare with equities since nearly every exchange will have orders posted at the NBBO because exchange equity fee and rebate schedules are extremely competitive, nearly identical. It is however more common with options since less exchanges as a percentage of the total will have orders posted at the NBBO because of very wide exchange rebate and fee schedules. How a single exchange handles a new order that crosses an existing limit order is already addressed here: How do exchanges match limit orders?

599118

Must be regional. McDonalds burgers are the same quality and the McChicken tastes great for 1 dollar. It is the best bang for your buck on the US east coast to my knowledge. Also their coffee is a MUCH better value than Starbucks and DD.

599128

"Would my (new) landlord even be aware of the fact that I'm his guarantor? Does that show up on a credit report or would there be another indication of it somewhere? It may come up during background checks, and it may not come up. You're expected to disclose material information on the rental application, and withholding it may lead to voiding the rental contract and eviction. But the problem is slightly different. Can you afford paying two rents? By being the guarantor you take the responsibility of paying the rent ""in the case if..."". You need to treat it as a real liability that you will be expected to pay. With all the respect to your brother, if something unexpected happens - you will be on the hook. You have to account for that."

599142

Why would you need to have a separate checking account just for tax payments? As long as your categorize your expense properly, you can run a report based on that category to present only your tax responsibilities. You can set up your account how you want, but IMO it seems excessive for quarterly tax payments. My other thought is that you may also be required to pay monthly bank charges to have a second business checking.

599156

It's 5% free money, if you believe the company's stock is fairly valued and likely to grow and/or return reasonable dividends until you're ready to sell it. There's usually a minimum holding period of a few months to a year before these discounted shares can be sold; take that into account

599157

"Smart money (Merriam-Webster, Wiktionary) is simply a term that refers to the money that successful investors invest. It can also refer to the successful investors themselves. When someone tells you to ""follow the smart money,"" they are generally telling you to invest in the same things that successful investors invest in. For example, you might decide to invest in the same things that Warren Buffett invests in. However, there are a couple of problems with blindly following someone else's investments without knowing what you are doing. First, you are not in the same situation that the expert is in. Warren Buffett has a lot of money in a lot of places. He can afford to take some chances that you might not be able to take. So if you choose only one of his investments to copy, and it ends up being a loser, he is fine, but you are not. Second, when Warren Buffett makes large investments, he affects the price of stocks. For example, Warren Buffett's company recently purchased $1 Billion worth of Apple stock. As soon as this purchase was announced, the price of Apple stock went up 4% from people purchasing the stock trying to follow Warren Buffett. That having been said, it is a good idea to watch successful investors and learn from what they do. If they see a stock as something worth investing in, find out what it is that they see in that company."

599159

"If history is any guide, Page’s idealistic impulses could result in a vaster, more sprawling company. The following is an example of one of Page’s idealistic impulses (wanting people to share spectrum) which could result in a vaster, more sprawling company (if they hadn't been outbid, Google would have expanded by buying a business asset i.e. spectrum which they didn't need). I've no experience with bidding. I don't understand what's happening at all An 'auction' is a way to sell something. Instead of offering it for sale at a fixed price, you offer it 'to the highest bidder'. Someone (e.g. Google) says, ""I'll offer you [some amount: e.g. a million dollars] for it."" If no-one else exceeds that bid, then you say 'sold' and Google has bought it. Alternatively someone else comes along with a higher bid, ""I'll offer you two million dollars for it,"" in which case they're the new high bidder, and you'll sell it to them unless the process repeats itself with anyone counter-offering an even higher bid. See also http://en.wikipedia.org/wiki/Auction and http://en.wikipedia.org/wiki/Spectrum_auction The ""Disadvantages"" section of this article alleges (currently without a citation) that: Despite the apparent success of spectrum auctions, an important disadvantage limiting both efficiency and revenues is demand reduction and collusive bidding. The information and flexibility in the process of auction can be used to reduce auction prices by tacit collusion. When bidder competition is weak and one bidder holds an apparent advantage to win the auction for specific licenses, other bidders will often choose not to the bid for higher prices, hence reducing the final revenue generated by the auction.[citation needed] In this case, the auction is best thought of as a negotiation among the bidders, who agree on who should win the auction for each discrete bit of spectrum. Google's bid made that impossible (or, at least, ensured that the winning bid would be at least as high as the minimum which was set by Google's bid)."

599174

"Let's not get too hung up on job titles. People hiring you are not interested in (or hoodwinked by)job titles. Call yourself The Grand Poohbah for all I care - what I want to see is what you were doing in that role, and how well you were doing it! Call your self ""Do It All Man"" or something silly. Believe me, looking at Resumes is the worst job in the world. When I was hiring people, I will give you my process. I open a gigantic envelope, take out a huge pile of paper. Try to find the application letter. OK - found it - great. Tear off everything except the first piece of paper, and chuck in the rubbish. If you sent an application letter which is less than one side of one page, your application automatically goes into the list of ""possibles"". Next, I find the CV, and I take the top sheet, and chuck everything else in the trash. If you can't convince me, using ONLY two pieces of paper, and ONLY one side of each: one applying for the job, and the other showing your relevant experience, THEN YOU NEVER EVEN GET AN INTERVIEW. If you want to spend 10 pages telling me about everything you've ever done - and you start at age 17 on page 1, then I will never get to know what you did after delivering milk at age 19, *because I threw the rest in the trash already*. OK, I got side-tracked. Sorry. Job titles mean diddly squat."

599178

Don't forget taxes, Web site (even if it just has your business name, address and phone number its better than not having a site at all) social media for showing off the flower arrangements and getting more business...

599182

I would go for the upgrade and cancel the insurance. It's been 5 years since I left the post paid subsidized phone world and I'm WAY better off. I use ATT GoPhone and I buy my phones in cash. If I shatter my phone, I replace the screen or simply buy a new one. Sites like swappa.com make buying and selling phones a breeze and you save a bundle of money leaving the carrier subsidies and ridiculous insurance programs on the table.

599217

"Basically, your question boils down to this: Where and how do I squeeze the stock market so that within time period X, it will make me Y dollars. (Where I'm emotionally attached to the Y figure because I recently lost it, and X is ""as soon as possible"".) To make money on the stock market (in a quasi-guaranteed way), you have to adjust X and Y so that they are realistic. For instance, let X be twenty-five years, and Y be ""7% annual return"". Small values of X are risky, unless X is on the order of milliseconds and you have a computer program working for you. To mitigate some of the risk of short term trading, you have to treat trading seriously and study like mad: study the stock market in general, and not only that, but carefully research the companies whose stocks you are buying. Work actively to discover stocks which are under-valued relative to the performance of their corporation, and which might correct upward relative to the performance of similar stocks. Always have an exit strategy for every position and stick to it. Use instruments like ""trailing stops"": automatic tracking which follows a price in one direction, and then produces an order to close the position when the price reverses by a certain amount."

599255

Around Oct 03 2010 the SPY closed at 113. Today it is trading at 130. After four months, that means that the S&P is up 15% over that particular 4 month period. You said you need something pretty low maintenance, and you are comparing your returns to the S&P 500 (which as @duffbeer703 points out is a good thing to compare against because of its diversification). To kill two birds with one stone, I would sell your fund that you have and take the proceeds and purchase the ETF SPY. SPY trades like a stock but mirrors the S&P 500's performance. It has extremely low fees (as opposed to what I suspect your BlackRock fund has). You can own it in an Etrade or Fidelity or other low cost broker account. Then you will be extremely low maintenance, fully diversified (among stocks) and you don't have to compare your performance against the S&P :)

599278

"There's no such thing as ""unlimited resources"". Rephrase your question and explain the limits under which you want to work, to succeed. Final note: if you have unlimited resources, why would you even start a business or work on anything? Got it?"

599288

I don't understand the rooting for Louis CK. He's charging for what should be free - digital content. That's what I always hear on Reddit. But because he's, what, not going through Time Warner or something, this is more *pure*?

599292

He's the Pharma company fall guy. This will diffuse a lot of the hostility toward them for a while because it is seen as a victory against them when in reality it didnt do much. Him being an unlikeable dickweasel just made him a better choice.

599293

International means from all over the world. In the U.S. A Foreign Equity fund would be non-US stocks. There's an odd third choice I'm aware of, a fund of US companies that derive their sales from overseas, primarily.

599311

How dare you talk about Israel like that and suggest that they be removed from the face of the earth by force . .how utterly anti-Semitic of you . . I think that the Administrator of this site should ban an unintelligent creature like you for suggesting mass genocide of the Israeli people . .shame on you

599313

**NAT Port Mapping Protocol** The NAT Port Mapping Protocol (NAT-PMP) is a network protocol for establishing network address translation (NAT) settings and port forwarding configurations automatically without user effort. The protocol automatically determines the external IPv4 address of a NAT gateway, and provides means for an application to communicate the parameters for communication to peers. NAT-PMP was introduced in 2005 by Apple as an alternative to the more common ISO Standard Internet Gateway Device Protocol implemented in many NAT routers. The protocol was published as an informational Request for Comments (RFC) by the Internet Engineering Task Force (IETF) in RFC 6886. *** ^[ [^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/business/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot) ^] ^Downvote ^to ^remove ^| ^v0.27

599320

Yes absurd. But those fat cat business owners need to pay their share! I mean my 70 year old Korean dry cleaner and his wife have been screwing the state out of their fair share of the till for a long time. But seriously, the tax is really horrible for the small business with small margins and large volume. Dry cleaners, restaurants and convenience stores are just a few examples.

599325

There is plenty of research that shows that companies that have a portfolio of brands within the same category have superior financial returns. The reason is that even for dish soap there are different types of people who want different products. One of the more successful brands for P&G over the past decade has been Gain detergent. It is a mega-brand that competes with tide for people who love scent. The brand has been so successful that there are now dish soaps and other products with the Gain name. There are typically performance differences between the brands. For example trade off performance against a certain type of stain for more scent.

599336

Generally for tax questions you should talk to a tax adviser. Don't consider anything I write here as a tax advice, and the answer was not intended or written to be used, and it cannot be used by any taxpayer, for the purpose of avoiding penalties that may be imposed on the taxpayer. Does IRS like one payment method over other or they simply don't care as long as she can show the receipts? They don't care as long as she withholds the taxes (30%, unless specific arrangements are made for otherwise). She should withhold 30% of the payment and send it to the IRS. The recipient should claim refund, if the actual tax liability is lower. It's only consulting work at the moment, so most of the communication is done over phone. Should they start engaging in written communication to keep records of the work done? Yes, if she wants it to be a business expense. Is it okay to pay in one go to save money-transferring fees? Can she pay in advance? Again, she can do whatever she wants, but if she wants to account for it on her tax returns she should do it the same way she would pay any other vendor in her business. She cannot use different accounting methods for different vendors. Basically, she has not outsourced work in previous years, and she wants to avoid any red flags. Then she should start by calling on her tax adviser, and not an anonymous Internet forum.

599352

Your crystal ball of presumption is clearly cracked.  Apple admitted to paying a 6% overseas tax rate in 2015.  It has been suggested they pay about 8% in the US, but nobody really knows but them.  What an utterly ridiclous statement to suggest they are anywhere close to losing money.  Any fool can see Apple is highly profitable and competetive everywhere.  Multinational corporations have amasses over two trillion dollars overseas.  The competition is over when you get to profit.  Cash is useless until transformed into something material.  They should want to improve the country of their origin.

599358

"I am forgetful and a parent of 2 young boys. It's way easier to order something walking through the house while it's fresh in my mind than trying to remember to go online and order stuff once they're in bed. * I clean litter boxes, realize were low, on my way out the door with old litter in garbage bag I yell ""Alexa, order more of our cat litter"". * Doing dishes and grab the one of the last pods for the dishwasher ""alexa order more dish washer detergent"". In the world of being a parent, I go from one task to the next when not playing with my kids, and i get distracted very easily. My wife and I make it a point to not be on our phones when with our kids, so I can't just open my amazon app and order from there since it's usually on the charger when I'm home."

599371

Hundreds of millions of stock options isn't hundreds of millions of income yet though. And once they cash out they do get taxed as income so it's effectively the same. If we taxed the stock options it would be double taxation. I know it's ridiculous how much money they make still though something has to be done but just pointing that out.

599376

but what about non-identifying information like emails or even telephone numbers? Are you allowed to do this? Most countries have privacy laws that would explicitly forbid companies from selling data not just to other companies, but even to other divisions within the company without explicit approval from customer. There are adequate regulatory controls that would stop companies from indulging in such practises. However tons of smaller / un-registered companies or companies operating from certain countries are definitely a source for such practises.

599382

The first thing you should do, and should have been doing all this time if you weren't, is to take the money you would've paid in the payment plan and set it aside in a separate savings account. If your plan was 2 years, $65 a month, then set that aside, now. That will allow you to be in a better negotiating position when this is finally resolved. It's also possible this takes two years to be resolved - in which case you'll be in position to pay the debt off in full at that point! It's also possible at some point in the future you'll be offered to settle for half or something like that, at which point if you've saved several months of payments that might be more practical to do. As far as what to do about the charges being removed, unless you have a specific reason for believing they're invalid, that's probably impossible. You could go to the Public Service Commission (outlined in this article about making complaints about overcharges from ConEd); it seems like it's probably too late for that, honestly, but who knows. If you'd made more of an effort at the time, it's possible you could've disputed them back then with PSC. And, as far as what to do with requiring written payment plans: absolutely, 100%. I would try to find out why you're not getting the plans. Do they have the wrong address, perhaps? Or is your mail sometimes poorly delivered? Ask them to send it via certified mail (you may be charged a few dollars for this), or ask them to e-mail you a copy while you're on the phone with them (my preferred option). Bill collectors like getting their money, so they ought to help you out with this.

599389

>Ummm I bet we didn't 'work less' You'd lose your bet. Hunter-gatherers worked only a few hours per day. Consider it: housing costs, near zero; energy and transport costs, near zero; insurance, medical care, zero; education, students loans, etc, zero; and on...

599403

Dividends and interest are counted under operations for the purpose of this tweet. This is pretty much entirely a non-story. I'm not sure exactly how they're dividing it up, but it looks like they're only counting stock appreciation as capital gains and counting things revenue from sales (from their subsidiaries as well) under operating income. This is just from a quick glance over their statement of earning, but that's what it looks like to me.

599411

Assuming there are no other liabilities... The enterprise value is $5mm. $1mm loan + $4mm equity. The proforma enterprise value will be the same, but the equity will now represent all of it at $5mm. Your 4% will now be 3.2%, but equal the same value; $160,000.

599414

Shareholders are the equity holders. They mean the same thing. A simplified formula for the total value of a company is the value of its equity, plus the value of its debt, less its cash (for reasons I won't get into). There are usually other things to add or subtract, but that's the basic formula.

599420

A stopped clock is right two times a day. We may get a market crash similar to the financial crisis or the dot com crash or we may not. What if over the next 10 years rates rise very sluggishly, low inflation, and low growth more or less continues with maybe one brief and shallow recession. In that case I bet US stocks produce 4-5% returns per year and US bonds produce maybe 1-2% per year. European and emerging market stocks should have higher returns because they are in an earlier part of the cycle. I think your baseline has to look something like that. The last two crashes were caused by the tech bubble and the housing bubble - where is the bubble today? US stocks are expensive, but probably not in bubble territory. Bonds worldwide are unattractive with low or negative yields - negative yields maybe a bubble, but central banks will be the most hurt by negative rates and they are in a strong position to take the pain. There could be a crash I just don't see how we get there yet - maybe china?

599422

Very true, however, gambling is still a huge part (~50% huge) and we have gotten smarter on how to attract gamblers, which include incentivising them with nongaming stuff like concerts, fights, etc... AC doesnt have all that so its much harder for them to attract gamblers Source: im a slot marketing manager at a luxury vegas casino.

599436

"1. Interest rates What you should know is that the longer the ""term"" of a bond fund, the more it will be affected by interest rates. So a short-term bond fund will not be subject to large gains or losses due to rate changes, an intermediate-term bond fund will be subject to moderate gains or losses, and a long-term bond fund will be subject to the largest gains or losses. When a book or financial planner says to buy ""bonds"" with no other qualification, they almost always mean investment-grade intermediate-term bond funds (or for individual bonds, the equivalent would be a bond ladder averaging an intermediate term). If you want technical details, look at the ""average duration"" or ""average maturity"" of the bond fund; as a rough guide, if the duration is 10, then a 1% change in interest rates would be a 10% gain or loss on the fund. Another thing you can do is look at long-term (10 years or ideally longer) performance history on some short, intermediate, and long term bond index funds, and you can see how the long term funds bounced around more. Non-investment-grade bonds (aka junk bonds or high yield bonds) are more affected by factors other than interest rates, including some of the same factors (economic booms or recessions) that affect stocks. As a result, they aren't as good for diversifying a portfolio that otherwise consists of stocks. (Having stocks, investment grade bonds, and also a little bit in high-yield bonds can add diversification, though. Just don't replace your bond allocation with high-yield bonds.) A variety of ""complicated"" bonds exist (convertible bonds are an example) and these are tough to analyze. There are also ""floating rate"" bonds (bank loan funds), these have minimal interest rate sensitivity because the rate goes up to offset rate rises. These funds still have credit risks, in the credit crisis some of them lost a lot of money. 2. Diversification The purpose of diversification is risk control. Your non-bond funds will outperform in many years, but in other years (say the -37% S&P 500 drop in 2008) they may not. You will not know in advance which year you'll get. You get risk control in at least a few ways. There's also an academic Modern Portfolio Theory explanation for why you should diversify among risky assets (aka stocks), something like: for a given desired risk/return ratio, it's better to leverage up a diverse portfolio than to use a non-diverse portfolio, because risk that can be eliminated through diversification is not compensated by increased returns. The theory also goes that you should choose your diversification between risk assets and the risk-free asset according to your risk tolerance (i.e. select the highest return with tolerable risk). See http://en.wikipedia.org/wiki/Modern_portfolio_theory for excruciating detail. The translation of the MPT stuff to practical steps is typically, put as much in stock index funds as you can tolerate over your time horizon, and put the rest in (intermediate-term investment-grade) bond index funds. That's probably what your planner is asking you to do. My personal view, which is not the standard view, is that you should take as much risk as you need to take, not as much as you think you can tolerate: http://blog.ometer.com/2010/11/10/take-risks-in-life-for-savings-choose-a-balanced-fund/ But almost everyone else will say to do the 80/20 if you have decades to retirement and feel you can tolerate the risk, so my view that 60/40 is the max desirable allocation to stocks is not mainstream. Your planner's 80/20 advice is the standard advice. Before doing 100% stocks I'd give you at least a couple cautions: See also:"

599483

"This does not seem, to me, to be a very good indication regarding the risk of the person not paying their balances off. If you do not have a source of income then how are you going to repay your debt. Not to mention there is recource for creditors to garnish wages. That is not possible if you have no income. The risk assessment is about the ability of the creditor to recover any moneys loaned and costs and still make a profit. For example, students have their parents pay them some pocket money to cover for expenses, or a person might be working sporadically on consulting gigs that do not have a fixed monthly or yearly component. Most credit card companies that are willing to issue to college students will allow you to include money from your parents in your income. Credit card companies are looking for customers that will carry a balance and incur fees but be able to pay them. These companies do not make money off of fees and interest that they do not collect. As such, sporatic work increases risk. Is it possible for people to get approved for unsecured credit cards if they don't hold (or have not held for some time) a job at the time of application? I was able to while I was in college. Though I did have a part time job. If you can show that you have the ability to pay you can usually get a credit card if you do not have bad credit. It will probably be high interest and have alot of fees some of them you will have to pay upfront. But what you probably mean to ask is ""Is it possible to get a no cost unsecured credit card with out a reliable source of income?"" The answer to that is: probably not. Even the ones that look like they are free probably have hidden fees."

599485

"There are two types of insurance, which causes some confusion. Social Security Disability Insurance (which you indicate you have) is insurance you can receive benefit from if you earn enough ""work credits"" (payroll taxes) prior to your disability onset. It is not a needs-based program. Supplemental Security Income is a need-based program which does not consider your work history. To qualify for this, your total assets need to be lower than some threshold and your family income also below some threshold. If you inherit a home, or money, I doubt this would jeopardize your SSDI qualification, since your qualification was based on a disabling condition and work history. If you inherit an income property, which you manage (i.e. you become a landlord), this may jeopardize your claim that you are unable to work. Even if you are not making an ""income"" as the landlord, but the work your are performing is deemed to have some ""value"" this too could jeopardize your claim. All of this can be very complicated, and there are some excellent references on the web including SSA website, and some other related websites. Finally, if you become able to work while on SSDI, your benefit may/will end depending on the level of work you are able to perform. But just because you are able to work again does not mean you need to repay past benefits received (assuming your condition has not been falsified). Your local social security office, or the social security main office both offer telephone support and can also answer questions regarding your concern. Here are a couple relevant links:"

599493

"This is the best tl;dr I could make, [original](https://www.yahoo.com/news/us-shoots-down-pro-assad-190100769.html) reduced by 69%. (I'm a bot) ***** > More.The United States has shot down a pro-Syrian government drone that opened fire on US-led coalition forces in Syria, a military spokesman said, in a major escalation of tensions between Washington and troops supporting Damascus. > At-Tanaf, on the key highway connecting Damascus with Baghdad, has been menaced by a surge of Iran-backed troops loyal to Syrian president Bashar al-Assad.The area, also just north-east of the Jordanian border, is used by coalition forces as a training and staging area for attacks against Isis.The coalition has established a "De-confliction" zone, extending 34 miles from the garrison, in which pro-regime and Russian forces are not supposed to operate. > Dillon said the drone had fired on coalition forces patrolling outside the zone. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6g9wg4/united_states_has_shot_down_a_prosyrian/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~140308 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*: **forces**^#1 **coalition**^#2 **drone**^#3 **Dillon**^#4 **State**^#5"

599496

Why would the IRS be coming after you if you reported the income? If you reported everything, then the IRS will use the 1099 to cross-check, see that everything is in order, be happy and done with it. The lady was supposed to give you the 1099 by the end of January, and she may be penalized by the IRS for being late, but as long as you/wifey reported all the income - you're fine. It was supposed to be reported on Schedule C or as miscellaneous income on line 21 (schedule C sounds more suitable as it seems that your wifey is in a cleaning business). But there's no difference in how you report whether you got 1099 or not, so if you reported - you should be fine.

599499

This is more of an interesting question then it looks on first sight. In the USA there are some tax reliefs for mortgage payments, which we don’t have in the UK unless you are renting out the property with the mortgage. So firstly work out the interest rate on each loan taking into account any tax reliefs, etc. Then you need to consider the charges for paying off a loan, for example often there is a charge if you pay off a mortgage. These days in the UK, most mortgagees allow you to pay off at least 10% a year without hitting such a charge – but check your mortgage offer document. How interest is calculated when you make an early payment may be different between your loans – so check. Then you need to consider what will happen if you need another loan. Some mortgages allow you to take back any overpayments, most don’t. Re-mortgaging to increase the size of your mortgage often has high charges. Then there is the effect on your credit rating: paying more of a loan each month then you need to, often improves your credit rating. You also need to consider how interest rates may change, for example if you mortgage is a fixed rate but your car loan is not and you expect interest rates to rise, do the calculations based on what you expect interest rates to be over the length of the loans. However, normally it is best to pay off the loan with the highest interest rate first. Reasons for penalties for paying of some loans in the UK. In the UK some short term loans (normally under 3 years) add on all the interest at the start of the loan, so you don’t save any interest if you pay of the loan quicker. This is due to the banks having to cover their admin costs, and there being no admin charge to take out the loan. Fixed rate loans/mortgagees have penalties for overpayment, as otherwise when interest rates go down, people will change to other lenders, so making it a “one way bet” that the banks will always loose. (I believe in the USA, the central bank will under right such loans, so the banks don’t take the risk.)

599523

"I'm not sure the term actually has a clear meaning. We can think of ""what does this mean"" in two ways: its broad semantic/metaphorical meaning, and its mechanical ""what actual variables in the market represent this quantity"". Net buying/selling have a clear meaning in the former sense by analogy to the basic concept of supply and demand in equilibrium markets. It's not as clear what their meaning should be in the latter sense. Roughly, as the top comment notes, you could say that a price decrease is because of net selling at the previous price level, while a price rise is driven by net buying at the previous price level. But in terms of actual market mechanics, the only way prices move is by matching of a buyer and a seller, so every market transaction inherently represents an instantaneous balance across the bid/ask spread. So then we could think about the notion of orders. Actual transactions only occur in balance, but there is a whole book of standing orders at various prices. So maybe we could use some measure of the volume at various price levels in each of the bid/ask books to decide some notion of net buying/selling. But again, actual transactions occur only when matched across the spread. If a significant order volume is added on one side or the other, but at a price far away from the bid/offer - far enough that an actual trade at that price is unlikely to occur - should that be included in the notion of net buying/selling? Presumably there is some price distance from the bid/offer where the orders don't matter for net buying/selling. I'm sure you'd find a lot of buyers for BRK.A at $1, but that's completely irrelevant to the notion of net buying/selling in BRK.A. Maybe the closest thing I can think of in terms of actual market mechanics is the comparative total volumes during the period that would still have been executed if forced to execute at the end of period price. Assuming that traders' valuations are fixed through the period in question, and trading occurs on the basis of fundamentals (which I know isn't a good assumption in practice, but the impact of price history upon future price is too complex for this analysis), we have two cases. If price falls, we can assume all buyers who executed above the last price in the period would have happily bought at the last price (saving money), while all sellers who executed below the last price in the period would also be happy to sell for more. The former will be larger than the latter. If the price rises, the reverse is true."

599524

SecondMarket attempts to add liquidity to privately held companies. You may be able to find a buyer there, but this is still incredibly illiquid due to accredited investor regulations constricting businesses from catering to the 99%. As around 1% of the United States population qualifies as an accredited investor.

599545

You should probably consult an attorney. However, if the owner was a corporation/LLC and it has been officially dissolved, you can provide an evidence of that from your State's department of State/Corporations to show that their request is unfeasible. If the owner was a sole-proprietor, then that may be harder as you'll need to track the person down and have him close the plan.