I worked with both of them at Apple some time ago.  Scott tries to be nice to people, but is realistic and gets difficult assignments because of his reputation for getting things done under pressure.  Jon is more of a dreamer type.  Of course mileage always varies.  I wish them all the best of luck.  As for people outside Apple who do this fanboy thing like you do, for your own sake please grow up.


It makes no difference (to the UK) what country a bank account is in.  What matters is whether you are resident in the UK or not while employed locally in a foreign country.  You're taxed on where you are tax resident (which could be either country, both, or neither), not where the money is earned or banked.  You can assume, with modern exchange of information agreements, that all money you put in bank accounts anywhere in the world will eventually be known to the UK authorities. The rules for when you are a UK tax resident changed recently, there is now a statutory test for residence (pdf).  The rules are complex, but in general if you are outside the UK for less than one full tax year you're still resident, and in many cases where you're gone longer than that you may still be, depending on the length of your trips back to the UK and the ties you have there. So a 6-month winter job in Thailand teaching English as a foreign language will be subject to UK tax if you come back after, even if you leave all the money there or in a third country. If you pay local tax as well there are agreements between countries to avoid double taxation, but these do vary.  What you do about National Insurance payments while gone for a short time is another complex area.


You definitely can under those conditions. Just be very careful to specify that you are making extra principal payments.


Per a recommendation from WallStreetBets I wanted to post this here.  Does anyone have a recommendation on how to get a job at a Bank being a Market Maker?  I am fascinated by the trading industry and after listening to an interview with a former market maker I want to explore this as a career choice.


Game of Thrones is a good example.  But it's no where near the level of Star Wars, Pixar, and Marvel.   DC has potential, but they fucked that up for themselves.   007 is much closer than fast and furious, but game of thrones, 007, and fast and furious can't be marketed to children AND their parents  Also there's no visual imagery that indicates the character is 007 or Dom from FF.  If you saw Zelda almost everyone would know who that is. Same with Mario or Pikachu   I stand by my statement of Harry Potter and Nintendo Universes as being the only worldwide recognized multi character and multiplatform franchises


Yes on the August expenses, No on the April; the expenses must have happened after the HSA was opened.  Also, note that you're limited to (in 2015) $3350 of deposits to the HSA in a single year, so you can only put $2350 more into the HSA. The IRS form for HSAs looks something like this:   1) How much money did you take from your HSA? 2) How much were your qualified medical expenses? 3) If (1) > (2), give us a bunch of money.


>Term limits would help, or at least change the current dynamic, as would barring former representatives and senators from lobbying for five years. Finally, making Congress subject to the laws it passes would also help. But the parties will never agree to modify the current system; both parties benefit too much from it.  Not going to happen! Lets get over it folks, the only thing that is going to fix this country is to throw the current ((government)) out and install a fresh set of faces and no ((traitors))!!


"You've cited nothing but your own outlandish claims. Aside from the original USAToday article, you've not provided one link to substantiate any of the many, many assertions that you have made.    > none of the people doing any of these things are ""true economists"".  **unsubstantiated**  >It's a subconscious bias thing... they all inherently belive that an ""inflationary currency"" is a good & necessary thing... ergo they do not really TRY to disprove that dogmatic assumption. **unsubstantiated**  >... and that ""confirmation"" was the entire goal of the project. **unsubstantiated**  **Not one link**.   End of discussion. This is a waste of my time."


The company host the wedding events, Then better wedding preparation, Wedding planning, and best wine for wedding services.  Look into whites wines like Sauvignon Blanc, Vinho Verde, unoaked Chardonnay, Verdejo, Pinot Grigio arrange the wedding. These wines will please your crowd and they are particularly the best for summer weddings.  Many people enjoy drinking a glass of best wine for wedding, while some enjoy drinking wine throughout the night. To accommodate all of your guests of legal drinking age, the general rule of thumb is to purchase one drink per person per hour of your Wedding reception.


"The seriousness of your situation depends on whether your girlfriend was owed a refund for each tax return she failed to file, or whether she owed additional money. If she owed money on one or more of the tax returns she failed to file, stop! It is time to consult a lawyer. At the very least, you need to contact an accountant who specialises in this sort of thing. She will owe interest and penalties, and may be liable for criminal prosecution. There are options available and lawyers who specialise in this sort of thing (e.g. this one, from a simple google search). If she is in this position, you need professional help and you need it soon, so you can make a voluntary disclosure and head off criminal prosecution. Assuming the taxes are fairly simple, you are likely looking at a few thousand dollars, but probably less than $7,500, for professional help. There will be substantial penalties assessed as well, for any taxes owing. If you wait until the CRA starts proceedings, you are most likely looking at $10,000 to $50,000, assuming the matter is not too complicated, and would be facing the possibility of a jail term not exceeding five years. If she was due a refund on every single one of the tax returns she failed to file, or at least if she did not owe additional money, you are probably in a situation you can deal with yourself. She will want to file all of the tax returns as soon as possible, but will not be assessed a penalty. I have personally filed taxes several months late a number of times, when I was owed a refund. You may still want to consider professional help, but it is probably not necessary. Under no circumstances should she allow her father near her finances again, ever. You should also be careful to trust any responses to this question, including my response, because we are unlikely to be professional accountants (I certainly am not). You are well outside the abilities of an H&R Block ""accountant"" in this matter and need a real certified accountant and/or a lawyer who specialises in Failure To File cases."


"This is the best tl;dr I could make, [original](https://www.nytimes.com/2017/10/14/upshot/why-surge-prices-make-us-so-mad-what-springsteen-home-depot-and-a-nobel-winner-know.html) reduced by 97%. (I'm a bot) ***** > If artists did raise prices sharply, there&#039;s a risk they would need to discount prices later to fill up the arena.  > The Illinois program has included email and text alerts to tell people when surge pricing is in effect, and some customers are using technology involving smart thermostats so that their temperature setting adjusts automatically.  > There is no surge pricing at Home Depot stores after a disaster, in both a longstanding corporate policy and a matter of law in many states.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/76vlap/why_surge_prices_make_us_so_mad_what_springsteen/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~229629 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*: **price**^#1 **people**^#2 **more**^#3 **ticket**^#4 **energy**^#5"


So some pretty complex math goes into play for stuff like this, notably increasing ad penetration in specific markets and demographics to test ad success - just like a TV ad.  Usually TV ads are handled by network sales teams, so (let's ignore local advertisements) when you, me, and my dad all watch a show on ESPN at our homes, we're seeing the same ad for Gatorade. My dad shops at a grocery store in a location that's predominantly old people and families with a heavy lean toward $insert_sports_team in the suburbs, you and I live in the city (young professionals) but your city is notable for having a big tech sector and not a lot of sports interest, mine is big on banking and loves $other_sports_team.  Based on sales numbers broken down by region and even stores through distributors if sales tick up at my dad's store for Gatorade but stay flat at your store and are down at mine they can assume the ad worked on older people with post-graduate education with incomes over $150k who love LeBron James, but didn't work so well with people in their 30s who are fans of the team LeBron is about to play in the big banking city, and that you didn't really care about the ad at all.  The great thing about internet advertising is it's even more targeted. Dad, you, and I will almost never see the same ad for Gatorade on the internet, now- if they show one to people meeting my demographic at all. Your search history shows you don't care about sports, you don't work out, and you're big on technology- seeing the LeBron ad makes you think 'oh... it's that baseball guy?' Sales among your demographic stay flat at your store, mostly shopped by 'your type' of people. Sure- there are outliers like that gym rat in your building, but he's already buying the product and doesn't need convincing- they need a new strategy to hit you. My dad sees the ad on the AARP website because he's always searching for scores for his college team he played on 40 years ago. His school *invented* gatorade, so he's buying anyway but most of his neighborhood is old people who need Metamucil, not Gatorade. He's an outlier but if they want to get other old people the ad needs to start showing old footage of superstar baseball players from the 60s. When sales in my region drop because my city hates LeBron and is passionate about it they can make a lot of judgments based on the data.  I got a little too 'up my own ass' with my anecdote but the point is targeted data from search history is basically TV ads on steroids, and just like anything else sales data is used to assess trends and ad success/failure.


I'm delighted that the people who work for me fly in the appropriate class. I want them to arrive fresh, rested and prepared to do a great day's work.  If I'm paying for an employee to fly somewhere it's because they're smart, capable and are going to create value at their destination.  As a shareholder, why would you want them turing up tired, fractious, annoyed and unhappy?


Frankly, you should probably learn to write code and use a data science package. Pandas lets me do the shit I'd do in excel 10 times quicker with more data and I can generalize it instead of working with just one file. As with most white-collar fields nowadays, writing code or at least understanding how to use it to enhance your productivity is very very attractive.


> The solution is a progressively higher tax on second, third and fourth properties. And an elimination of tax on first properties.  This has some flaw to it -- but someone else smarter than me will figure it out.   I'll try to think about one flaw..  If you tax 2nd and 3rd properties then possibly the renters market would go up to cover the cost of the tax that owners of multiple properties would have to pay.


This article is so dumb. Passive investors should be concerned about poor corporate governance just as much as anyone else. The whole point is that active investors are more hesitant to put their money into companies like snap. Inclusion into an index could lead to technical buying. By ensuring the bare minimum standard in terms of corporate governance, S&P is actually protecting passive investors.


"Microsoft is known as a software company, not a hardware company.  They felt they needed to display their credentials as a hardware vendor to be taken seriously.  You can claim Apple's marketing is genius but there are many who find their insistence that their devices are ""magical"" to be nauseating."


People were predicting a big market crash last year.  The fact is no one knows when it will happen, its really just speculation.  Yes, there will be a crash but when?  Idk, people say every 8 years from past history but who knows with all the technological advancements.  Plus the last real crash was 9 years ago (2008) when Congress rejected a bank bail out plan which caused mass panic.


"This is the best tl;dr I could make, [original](https://medium.com/basic-income/why-the-changing-nature-of-work-means-we-need-a-universal-basic-income-e099118bf05b) reduced by 95%. (I'm a bot) ***** > If we are to embrace technological change, we need to take seriously people&#039;s need for a financial &quot;Anchor&quot;, a rock, a safe place, an income which will ensure that they can survive regardless of the work they do.  > By itself, it is inadequate to meet all needs: for example, the very disabled need more support than a universal basic income can provide and are less able to top up their income with work.  > Universal basic income not only clears the path for robots to take over the jobs that humans don&#039;t want to do, it also supports those who want to take the risk of trying out something new.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/76t6u5/basic_income/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~229380 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*: **job**^#1 **income**^#2 **work**^#3 **people**^#4 **human**^#5"


Some people would think that the government should mandate that Walmart pay their employees more.   However, that won't stop other companies from pushing the cost of business unto taxpayers. It seems that Walmart is acting perfectly rational as a business would.  I think the better solution would be to stop enabling these companies with a backdoor subsidy and stop giving out free money and handouts to people. When people realize they won't get free money from the government, they will demand better wages from companies or won't bother to work there.  The best solution, which runs counter-intuitive to the previous solution, and the one I'm leaning towards, is http://wikipedia.org/wiki/Basic_income_guarantee . It is completely transparent and eliminates the need for every other government program. Then people could work at Walmart for fun, or Walmart could offer a wage that was enticing.


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"Not to be rude, but I think you have an extremely naive view of how the United States operates. Insurance and Health Care are the exact same thing in this country for 99.9% of the people in it. The reason for this is that there is no way that anyone can afford ""healthcare"" without an insurance company unless they are in the top .1%. That is the way the system was set up, and it results in millions being uninsured and millions more being uninsurable.  I am not an ignorant person, but clearly it makes you feel superior to say it, so carry on. You have no idea what you are talking about, or whom you are talking to."


I feel like awake would have made a much better movie or a miniseries. I watched the pilot and got the feeling it was going to be really drawn out and stopped watching. Really cool premise, but not great for a tv show in my mind.


All Companies Can Take Advantage of [Local Business Listing](http://come2ourdeals.com.au/) .First of all, a company is not a enterprise. While we will discuss this in more details later on, we have to keep in mind that nation wide businesses with regional lifetime are also reliant upon the regional financial system for their income.


"Just a thought exercise - finance is so heavily dependent on rule of law and political stability that there is a possibility that none of the ME countries will be the largest Islamic financial centers in the long run. If I was a HNW investor or institution, I'd be very worried about the risk inherent in any number of regional developments - Saudi Arabia budget deficits, ongoing Syria conflict, Qatar-SA conflict, potential civil unrest or civil war, oil prices, capital controls, etc. Perhaps Dubai may be competitive, but would be severely affected by regional unrest, and like the quote, ""bull markets are ridden up in escalators, bear markets are ridden down in elevators"", instability could manifest very quickly causing capital to flee. Nothing motivates action like the risk of losing 100% of your capital.  European banking centers will likely start providing more and more Islamic finance services, especially given the rapidly changing demographics of many EU countries.   Other possibilities for growth include offshore centers such as Mauritius (closer to ME and huge Muslim populations in India and Pakistan) and Singapore, which is at the center of the very large and growing Southeast Asia Muslim region (growing population and incomes).   Specific to finance, Malaysia and Indonesia have their own issues with capital mobility, currency stability, political outlook, etc., they just have not proven to be very good places to store capital over any long period of time in recent history. Malaysia has an onshore ""offshore"" center that is meant to build a financial industry, but I'd be worried about the overall situation there, (the 1MDB scandal is just another example of serious governance issues).  Edit: one possible area for growth - Brunei. The government there knows that they will run out of oil in XX years, they've been looking to build domestic industries, financial services is probably one of their only options (small Muslim country, small population, high concentration of wealth, etc)"


If you paid by credit card, file a dispute with the credit card company. They will credit you the money immediately while they investigate. The burden of proof will then be on the merchant. Keep your documents handy in case you need them: USPS receipt, proof of delivery, copies of all correspondance, etc. File the credit card chargeback now, because there are time limits. The FTC has more information.


Most modern airports have a fairly complex array of GPS and sensors that allows aircraft to automatically land. As far as take off goes, I'm not sure if that is automatic. Still, I'd rather have a trained pilot on board if there were an emergency since the aircraft can't land itself without the sensors from the airport.


Maybe a proxy war . I’m thinking a war between the first and second largest economies in the world, both with nuclear ICBMS would be world ending, not to mention dunking both economies as they are very heavily interdependent. Word case scenario the US pulls an Iraq in Saudi Arabia with results 3x worse as Mecca is in KSA. Litterally would create a super ISIL.


Here's a real fact: NO President can make the stock market perform.  Only the private sector can.  One more:  Obama has been the poorest job creator, probably ever, and had led the slowest recovery from recession in US history.  Oh: And most people that run businesses and hire people cannot abide this administration and their regulation heavy/high tax approach to running things.  Until Obama is gone there will be no great job growth.


That's a pretty simplistic way of looking at it. Sure it impacted front line workers without degrees the hardest, but the recession impacted everyone regardless of position. Plenty of bankers were laid off and many more left due to the fear of new regulations negatively impacting their sources of income.


As of now the two scenarios are very similar if not the exact same concept. At this point, DB is not legally required to fulfill that request. Maybe eventually they will be but right now no they are not.  That only leaves the other element of ethical obligations which is what I agree with...except that's exactly the same conflict Apple had when they refused to give the US government access to a terrorist's phone (which of course had been suspected to possibly contain information relevant to other plans)  Edit: the main point is both these companies stand to gain from refusing to follow a reasonable government request. I'm not saying DB or even Apple made the right choice overall but both companies of course had good business-minded reasoning for refusing to help the government reaching out to them in each case


"How can we have a capitalist legal system with regulations? Wouldn't a true capitalist system have no regulation, and therefore nothing for politicians to use to pressure corporations into ponying up some of that lobbying money?  You are arguing that a system with no regulation would somehow claw back regulation? that doesn't make any sense. Regulation exists in our social-democracy or corpratist system that we currently have, but you are conflating a capitalist system with the system we currently have, which is not capitalist (something like 40% of economic activity is from the government currently, I don't know how anyone could possibly consider that a ""free market"")"


Yes he did.  But what Cuban means is that your motivation has to be for the love of the work, not the exit.  If you constantly have one eye on the door, it's going to distract you from building something great.  When the time is right, an obvious exit will present itself.


I'll add this to others: Having non-deductible portion in your IRA requires additional tax forms to be attached to your tax return, and tracking. If you plan to have long-term investments in your non-deductible IRA (such as, say, target funds or long-term stock positions that you expect to hold till retirement) it may be better to keep them in a non-IRA account. This is because the income tax on the withdrawals from the IRA is at ordinary rates, and from the regular investment account is at capital gains rate. While the rates can definitely change, traditionally capital gains rates are significantly lower than the ordinary income bracket rates. So generally I think that having non-deductible IRA deposits is only useful if you're planning a ROTH conversion in a near future.


Can I work on 1099 from my own company instead of on W2? The reason is   on W2 I can't deduct my commute, Health Insurance and some other   expenses while on 1099 I think I can able do that. Since I am going to   client place to work not at my own office, I am not sure whether I   should able to do that or not. If you have LLC, unless you elected to tax it as a corporation, you need neither 1099 nor W2. For tax purposes the LLC is disregarded. So it is, from tax perspective, a sole proprietorship (or partnership, if multiple members). Being a W2 employee of your own LLC is a bad idea. For all these above expenses, which can I use company's debit/credit   card or I need to use only my personal debit/credit card? It would be better to always use a business account for business purposes. Doesn't matter much for tax per se, but will make your life easier in case of an audit or a legal dispute (limited liability protection may depend on it). If I work on 1099, I guess I need to file some reasonable taxes on   quarterly basis instead of filing at year end. If so, how do I pay my   tax on quarterly basis to IRS? I mean which forms should I file and   how to pay tax? Unless you're a W2 employee, you need to do quarterly estimate payments using form 1040-ES. If you are a W2 employee (even for a different job, and even if it is not you, but your spouse with whom you're filing jointly) - you can adjust your/spouse's withholding using form W4 to cover the additional tax liability. This is, IMHO, a better way than paying estimates. There are numerous questions on this, search the site or ask another one for details.


But they won't.  They'll relax regulation, starting writing shitty mortgages again, sell them off to some poor suckers retirement fund and never raise the taxes.  The banking and financial sector is the cause of the last 10 years of pain. They can't and won't think past their profit motive.


"I've tried a lot of tablets and the PlayBook is the best one out there and the sale is a fantastic deal. The hardware and OS kick the ass of Android and Apple. Better cameras, better photos, better sound, better multitasking, better form factor.  I loved the Torch more than any iPhone. The hardware was great and OS was decent. BBOS 10, if like the PlayBook OS as planned, would be better than the other phones out there.  This isn't an error by RIM. It's fashion. Blackberries fell out of fashion. People don't buy based on good planning. They buy on branding and trend, and rationalize on the back end. The evidence for this behaviour is documented over and over and over.  All RIM can do is try to become fashionable again. But fashion trends are random walks that require ""tipping points"" or critical mass. You can't really plan one. You just have to recognize them and jump on board.  I suspect RIM will get bought out, or become a niche seller again. Wonderful. I'll take their top notch hardware and software at firesale prices while others get trendy but worse systems for more money."


Totally agree.  Donald Trump is all about strategic corporate bankruptcy.  He is notorious for bragging about his net worth and how successful he is...until one of his companies owes money.  Then his assets magically disappear from one company (making it worthless to debtors) and reappear in another (where it is untouchable)... and so goes the new American economy.  *edit Forgot a lette


As fennec mentioned, it is about your tax rate today vs your tax rate when you retire. One of the big issues is whether you have a lot of tax deductions today that will disappear when you retire, which is likely.  These include dependents (aka kids) and your home mortgage. For a person with kids and a mortgage, it seems likely that the Roth would be beneficial.   If you do not have a lot of deductions, you might be ok with the regular 401k to help reduce your tax burden today.


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"I remember, there was time when the phrase  ""I want you!""  was uttered, one automatically pictured in their mind, a Stern white bearded Uncle Sam pointing, demanding one to do his duty to nation and country, obviously a call our Draft dodger in Chief chose to ignore, until by some miracle he got elected to collapse America.  This is surly karma at work.  Today somebody anywhere in this world of 7 odd billion people only has to utter the phrase  ""Fucking Moron""  A picture of Trump comes to mind.   Well done shit head . .you   #MADE AMERICA CRINGE AGAIN"


"1. Internet is not a regular product or service, it's a utility.  2. An unregulated utility market simply leads to regional monopolies, because the companies privately own the infrastructure.  That's exactly what we have.  The cable companies cut up the country and generally stay out of eachother's turf, because it's more profitable than competition.  This is the opposite of a capitalist market, by the way.  They are now all billionaires from providing bear minimum service and avoiding any real competition.  Instead of competing, they slowly build enough money until they can simply buy out their competitors.  Comcast has gotten so rich it bought NBC and is now looking to buy TWC.  3. Fair competition for utilities requires rules that prevent the reigning company from blocking out competitors. This is called ""[Open-Access](http://en.wikipedia.org/wiki/Open_access_%28infrastructure%29)"", this is what they have throughout most of Europe. This doesn't happen here because the reigning monopolies use their billions to buy political influence in Washington DC via lobbyists, campaign fund raising, donations, etc...  It is so effective, that the former chair of the FCC, Michael Powell, made a PSA bashing Open-Access competition rules and praising our monopoly system, saying it has resulted in the best internet in the world, which is of course a bold-faced, demonstrable lie.  [Video used to be on youtube, can't find it anymore]  4. The root cause is an apathetic voter base who view Washington as too corrupt to even reform, which keeps the people who care about this issue the most away from the poles.  This simply strengthens the power of the corporate lobbyists to control politics even more.  5. To take on these giants, you need to be a giant yourself, with tons of money to burn and a big reason to do it even though you'll probably lose money, since it's more like charity than a great business opportunity.  The only ones who fit the bill are Google, and only because they have a vested interest in keeping the internet free, open, fast, robust and affordable.  It also helps that they spent the past decade buying up fiber optic infrastructure."


You're correct in your implied point: Selling a cash secured put has less risk (in terms of both volatility and maximum loss) than buying the security outright. However, many brokerages don't allow cash-secured put writing in IRA accounts.   There are three reasons this tends to be the case:


I'm glad we've all got plenty of closure on this case. Goldman was fined an almost unnoticeable amount, nobody went to jail, and nobody is happy with the result.  We can't even pat each other on the back and pretend that we did something worthwhile.


People were using Best Buy as a showroom for Amazon so Best Buy had no choice but to get price competitive.  After all, how much help do you need to buy a TV? And is that little bit of help worth paying $50 extra or more?


It's my understand that leasing is never the better overall deal, with the possible exception of a person who would otherwise buy a brand new car every 2 or 3 years, and does not drive a lot of miles. Note: in the case of a company car, Canadian taxes let you deduct the entire lease payment (which clearly has some principal in it) if you lease, while if you buy you can only deduct the interest, and must depreciate the car according to their schedule. This can make leasing more attractive to those buying a car through a corporation. I don't know if this applies in the US. The numbers you ran through in class presumably involved calculating the interest paid over the term of the loan. Can you not just redo the calculation using actual interest and lease numbers from a randomly chosen current car ad? I suspect if you do, you will discover leasing is still not the right choice.


Just like with any other issue, it is hard to find a documentary that isn't pushing one agenda or another.  If you are willing to put some time into understanding the collapse the best place is at [your good old friend wikipedia](http://en.wikipedia.org/wiki/Subprime_mortgage_crisis#Background_and_timeline_of_events)


I don't know about that, but I do know that organized labor is dying a natural death due to automation. The transition is gaining speed over time and it is inevitable. This fixation with the old patterns is what is fundamentally wrong with progressives: Going back to what worked a century ago isn't going to address the problems we face now. Better that progressives go to fundamentals like defining societal values to be achieved and engineering new methods to get there instead of insisting that society as a whole wear old, ill-fitting shoes. So, for example, instead of betting the farm on labor unions, look to basic income fixes along with population growth controls. Labor unions might still play a small part, but that will diminish over time.  As concerns the Democrats and labor in the 1970s, labor unions screwed themselves for a generation with the over-bearing strikes of the 1970s. Personally, I think labor unions in the U.S. chose the wrong path when they decided that striking was the best way to deal with ownership/wealth sharing problems: They should have gone the collective buyout and ownership-by-worker methods of dealing with the crony capitalists -- the world would be a different place now.


Good sales people are difficult to find, so most companies offer them a decent salary and bonus to keep them incentivized.   At the end of the day, sales is what keeps a business afloat. I'm not saying the other job positions aren't important. Afterall, you need a product to sell or you won't be in business long. But great sales people are always in high demand. The more they sell, the richer the company gets.   The sales people are the ones generating revenue and profit for the company, so it makes sense if you look at it from that perspective. Although I agree with you--everyone in the company should receive some sort of bonus for exceptional performance.


In a well-managed company, employees bring more dollars to their employers than the employers pay the employees (salary and benefits).  Employees trade potential reward for security (a regular paycheck).  Employers take on the risk of needing to meet payroll and profit from the company's income, minus expenses. The potential rewards are much higher as an employer (self or otherwise), so the ones that do make it do quite well.  But this is also consistent with your other statement that the reverse is not true; the risk of self-employment is high, and many self-employed people don't become millionaires.


Their margins are going to be very, very low this quarter. Look at what they're doing: they're selling the fire at a loss as part of a razor and blades strategy for prime digital subscriptions, and now they're price-matching brick and mortar stores, and offering $5 coupons for every item customers buy from Amazon rather than in-store. Both moves are great longterm plays, but hurt margins for the quarter, so they're just doubling down and taking all their licks at once, hence the low share price, but will come roaring back with great numbers soon.


"I am pretty sure you could find a number of financial planners whom you could pay to give you a very accurate number, but the rule of thumb I like best is Save a dime of every dollar.  10% (Savings means save for retirement, not vacations.) Here is a nice article from radio personality Clark Howard with some adjustments based on your age: Saving for retirement later in life?  If you're getting started saving for retirement later in life, the   dime out of every dollar rule won't cut it for you. So for you, The   Baltimore Sun has crunched the following numbers: Jayraj has a particularly good and just as simple bit of math. https://money.stackexchange.com/a/30751/91 Your retirement and financial planning should not end with a flat percentage.  In fact, the chances that any simple math formula is adequate are very low.  My percentages (or Jayraj's simple math) are only starting places.  If you are at the point where you are asking ""where do I start"", starting with this super easy no-brainer approach is great because the key is starting and doing it."


Wall Street hires history majors all the time. Most top schools don't even have undergraduate business degrees. And I guarantee they don't all take Econ. You don't need a background to get a job. Any job. You do need enough knowledge to show interest, but reading Bloomberg.com is enough for that.


While the 55 exception noted by Joe and JB makes this less of a worry, it's worth noting that to retire early most people would need additional investments beyond a maxed out 401(k).  As most people make more money later in life it is generally worth putting what you can in a 401(k) now and later when your savings would max out a 401(k) then you can start adding money to accounts that are not tax-advantaged.  These additional funds can be used during the bridge period. Run the numbers yourself as these assumptions won't be true for all individuals, but this may be the piece you are missing.


"EDIT: It was System Disruption or Malfunctions August 24, 2015 2:12 PM EDT   Pursuant to Rule 11890(b) NASDAQ, on its own motion, in conjunction   with BATS, and FINRA has determined to cancel all trades in security   Blackrock Capital Investment. (Nasdaq: BKCC) at or below $5.86 that   were executed in NASDAQ between 09:38:00 and 09:46:00 ET. This   decision cannot be appealed. NASDAQ will be canceling trades on the   participants behalf. A person on Reddit claimed that he was the buyer. He used Robinhood, a $0 commission broker and start-up.  The canceled trades are reflected on CTA/UTP and the current charts will differ from the one posted below.  It is an undesired effect of the 5-minute Trading Halt.  It is not ""within 1 hour of opening, BKCC traded between $0.97 and $9.5"".  Those trades only occurred for a few seconds on two occasions.  One possible reason is that when the trading halt ended, there was a lot of Market Order to sell accumulated.  Refer to the following chart, where each candle represents a 10 second period. As you can see, the low prices did not ""sustain"" for hours.   And the published halts."


Here is a list of threads in other subreddits about the same content:   * [Buffalo Area Warily Eyes The Renegotiation Of NAFTA - NPR](https://www.reddit.com/r/Buffalo/comments/79h531/buffalo_area_warily_eyes_the_renegotiation_of/) on /r/Buffalo with 0 karma (created at 2017-10-29 23:40:36 by /u/Eudaimonics)  ----   ^^I ^^am ^^a ^^bot  ^^[FAQ](https://www.reddit.com/r/DuplicatesBot/wiki/index)-[Code](https://github.com/PokestarFan/DuplicateBot)-[Bugs](https://www.reddit.com/r/DuplicatesBot/comments/6ypgmx/bugs_and_problems/)-[Suggestions](https://www.reddit.com/r/DuplicatesBot/comments/6ypg85/suggestion_for_duplicatesbot/)-[Block](https://www.reddit.com/r/DuplicatesBot/wiki/index#wiki_block_bot_from_tagging_on_your_posts)  ^^Now ^^you ^^can ^^remove ^^the ^^comment ^^by ^^replying ^^delete!


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From tax perspective, any income you earn for services performed while you're in the US is US-sourced. The location of the person paying you is of no consequence. From immigration law perspective, you cannot work for anyone other than your employer as listed on your I-20. So freelancing would be in violation of your visa, again - location of the customer is of no consequence.


I am using the PRIME MY BODY CBD and have been in Network Marketing for years.   The company is not a pyramid scheme (those are illegal).   The product's nano enhanced technology is awesome. I am seeing amazing results and you do not have to become an affiliate unless you want discounts. Many people will sign up as affiliates and not move into business but want the oil discounted.  That is perfectly fine. You can also opt to order retail as strictly a customer.  So those are options. But if she wants to go into a great home based business, I would seriously look at this as a viable option  . CBD/Cannabis and Medical Marijuana is going to be a multi billion dollar industry and the stigma of the STONERS etc is being taken away and more people are understanding the natural health benefits of the plant....


As an FYI, working for a lending company, I can tell you many have a dollar amount limit that they'll just write off at the end of the month/quarter/etc just to get the loan off the books.  It's a little goofy, but I actually bothered to plan ahead and save $9.99 on my student loans since the lender would close out all accounts with a < $10 balance.


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Well let's be more accurate: they threaten a  lawsuit, get counter-sued and then fuck about without hiring a lawyer in the jurisidiction where they got sued. Bunch of clowns, indeed.  EDIT: oh yes, and then they lose all their financial records.


What are the consequences if I ignore the emails? If you ignore the emails they will try harder to collect the money from you until they give up. Unlike what some other people here say, defaulting on a loan is NOT a crime and is NOT the same as stealing. There is a large number of reasons that can make someone unable to pay off a loan. Lenders are aware of the risk associated with default; they will try to collect the debt but at the end of the day if you don't have money/assets there is not much they can do.   As far as immigration goes, there is nothing on a DS-160 form that asks you about bankruptcies or unpaid obligations. I doubt the consular officer will know of this situation, but it is possible. It is not grounds for visa ineligibility however, so you will be fine if everything else is fine. The only scenario in which unpaid student loans can come up relevant in immigration to the US is if and when you apply for US Citizenship. One of the requirements for Citizenship is having good moral character. Having a large amount of unpaid debt constitutes evidence of a poor moral character. But it is very unlikely you'd be denied Citizenship on grounds of that alone.  I got a social security number when I took up on campus jobs at the school and I do have a credit score. Can they get a hold of this and report to the credit bureaus even though I don't live in America? Yes, they probably already have.  How would this affect me if I visit America often? Does this mean I would not ever be able to live in America? No. See above. You will have a hard time borrowing again.  Will they know when I come to America and arrest me at the border or can they take away my passport? No. Unpaid debt is no grounds for inadmissibility, so even if the CBP agent knows of it he will not do anything. And again, unpaid debt is not a crime so you will not be arrested.


Sensationalist title. It makes it sound like the CEO was given $260 million to leave his job which is not true. From the article:     >Citigroup will have paid him about $261 million in the five years since he became CEO, including his compensation and about $165 million for buying his Old Lane Partners LP hedge fund in 2007 in a deal that led to his becoming CEO.        He sold his hedge fund for $165 million and made the rest in compensation over 5 years. No evidence of anything given to him for leaving.      Secondly, he was crowned the CEO of Citigroup in the midst of the 2007-08 market crash when Citi stock was already in free fall. It's misleading to suggest that he was somehow responsible for the bank losing 88% of its value.


"Yea, I saw that too. It doesn't change the fact that what I quoted is still the current idea of socialism.  Edit: also, you realise we're probably the last two people that will ever read these comments, right? You don't have to keep downvoting me just because you disagree.  I hope you work through whatever it is that's really weighing on you. Maybe go for a nice long walk through the mountains or something. I know I need to go again soon. Been cooped up for too long recently.  For the record, I don't get my political views from 4chan or Fox News. It's kind of lame that you just jumped directly to that. It indicates that your mind has gone way down the ""us vs. them"" tribalism path.  I know this kind of went on a tangent. I'm pretty tired. But really, I hope things work out."


No, you can not use Schedule C for a Corporation. If you treat the business as a sole proprietorship, i.e.: not a separate legal entity and not a separate financial entity - then you can. If that's how you treat your corporation, then you can continue using Schedule C, but there's no reason whatsoever to continue being a corporation either since the corporate liability protection veil is likely to be long gone. Generally, corporations file form 1120, S-Corporations file form 1120S.


Yes that is not an unusual number. In some states the state tax rate is fairly flat, and unless you are highly paid the social security and medicare taxes are also flat. The big issue is the federal number. Several things can make make the federal taxes for the early paychecks larger than normal. later checks will include these pretax amounts which will reduce the taxable income, and the taxes. Though the net check will get smaller. Keep in mind that the size of the checks your first year are impacted by the fact that most recent graduates start in the summer. The tax tables assume that each of the paychecks you receive will be essentially the same. For those recent graduates the 1st real paycheck dwarfs the average paycheck for the first part of the year. This can put you in a higher bracket than you should be, and result in a large refund when you file in the spring.  You can adjust your withholding numbers after a few checks to counterbalance this. Of course the numbers will need to be changed back in year two to to avoid under withholding.


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Sure, but if a company can reduce its workforce to incur less liabilities don't you think they'd do it? Everyone from HP, GM, GE, AT&T .... ALL of those and many many more would do so if it meant lower liabilities.  Some companies could do it, some can't. His company is medium enough size he may have that option. A company with 150,000 employees would need a waiver or eat the costs.   **Again, it's not about right and wrong, it's about incentives and available options once those incentives/disincentives are active.**


The original post's $16 has two errors: Here is the first scenario: .                                                 Tax Liability($) on   Net .                        Cash    # of     Price    Paper     Realized   Value Time:                     ($)    Shares   ($/sh)   Profits    Profits    ($) 1. Start with:            100        -      n/a         -          -      100 2. After buy  10@10$/sh:    -       10       10         -          -      100 3. Before selling:          -       10       12        (5)         -      115 4. After sell 10@12$/sh:  120        -      n/a         -         (5)     115 5. After buy  12@10$/sh:    -       12       10         -         (5)     115 6. Before selling:          -       12       12        (6)        (5)     133 7. After sell 12@12$/sh:  144        -      n/a         -        (11)     133 8. After buy  14@10$/sh:    4       14       10         -        (11)     133 9. Before selling:          4       14       12        (7)       (11)     154 10.After sell 14@12$/sh:  172        -      n/a         -        (18)     154  At this point, assuming that all of the transactions occurred in the same fiscal year, and the realized profits were subject to a 25% short-term capital gains tax, you would owe $18 in taxes.  Yes, this is 25% of $172 - $100.


"That's kind of the untold story of China, everyone seems to think that all that they are about is cheap this and cheap that. Just a bit of a personal anecdote, but I'm a bit of a clotheshorse myself and on my first business trip to Shanghai was able to have some tailored clothing made there.  Not only was the cut and finish as good or better than anything you'd get in Europe or N. America, but the price was significantly less. I quickly noticed that a lot of the Chinese made garments selling locally were many times better than those ""imported"" ones bearing western brand labels, even though they were also produced right there in China.  So yes, I am most definitely of the mind that the cheapness/lack of quality of the products we have available to us in Europe and N. America, and made in China, are a direct result of our own indigenous companies hosing us so as to really fatten up those margins. Suffice it to say, they do in fact have quality control, however, if you want to pay them good money to make shit products, they'll surely oblige you."


The fact that the option is deep in the money will be reflected in the market price of the option so you can just sell it at a profit. If there's a (n almost) guaranteed profit to be had, however, you can always find someone who will lend you the money to cover the exercise... they'll charge you interest, however!


Best of luck!  Just an FYI, a great deal of finance firms look for people like you.  The way you perceive things is completely different from the way someone who is traditionally trained in finance.  Look into some peers of DE.  Also, Private Equity (PE) firms...mainly the ones dealing with bio/pharma/whatever you specialize in.  What are your excel skills like?  Make them better!  No mouse.  Know VLOOKUP, GETPIVOTDATA, etc.  Again, not to become redundant, but figure out what you want to do and go from there...  If you are good/quick with your math look for trading.  There are a lot of books out there on the subject of trading.  Liar's Poker by Michael Lewis, will give you an insight to the lifestyle/mantra of traders (during the 80s).  If you like digging into numbers/investigating things you may want to look into a more analytical role.  To figure out if you like this read some financial statements.  Look on SEC.gov, navigate to EDGAR.  Look up a 10-k (annual report) and a 10-q (quarterly report).  See if you like poking around/figuring out why and how things work.  Hit up seekingalpha.com.  This is a hodgepodge of people's opinion.  Saying why they want to buy/sell a security.  Look at the reasons.  They will cite certain economic indicators or other signals.  Seekingalpha is a place that can show you how financial types think.  See how your views differ or align.  Or even if you can expand on what they are saying.  Investopedia is a great place to learn jargon and other terms.  Frequent this place.  Key terms: http://www.financialmodelingguide.com/financial-modeling-tips/tips/banking-financial-terms/  This gives short definitions.  Investopedia will give you in depth definitions.  Are you currently employed as a RandomAcademicDean?  Does your college offer free courses to staff?  If yes, take some classes FOR FREE!  Take an accounting course (skip managerial, stick with financial), an econ course, a finance course.  I am going to assume your college offers a class in Econometrics.  Talk to one of the professors, if you think this class would be manageable, sign up.  They will probably say your should take MACRO and MICRO.  This is true, but you have a P.h.D in Chemistry so you have a demonstrated aptitude towards academia.  Econometrics, in short, can be considered the science of business.  Bottom line:  Figure our your interest within the financial realm, act upon it.  Play up your knowledge in chemistry (as a quantitative science) and experience as a dean (think management role).  tl;dr soak up knowledge.  regurgitate when necessary. P.h.D = good. read a lot.  Finance is a big world, you will fit in!


So true. My bf works at the shipyard and can go through some damn steel toed shoes with all those stairs. He always has a pair of Timberlands and a pair of cheap shoes. Every 6 months his Timbs break, but they had (I'm not sure if they still do I heard they were thinking of stopping) a lifetime warranty. He would send his shoes back when they broke and use the cheap ones in the meantime. Then Timberland would send his new shoes back within 4 weeks and he could keep going. He's gotten at least 6 free boot replacements from them at the initial cost of about $100.


You don't need a book, you need to advertise. Start trying different things untill you find the money. Scale up what works and also keep trying other avenues.  What's your position on Google when people search for your Jewellery, Jewelry, Jewellers, Jewellery stores, etc., + dates (anniversary, mothers day)  + brand names? Do you have a website?  I've been killing it on google maps & local seo for years. FB ads would do great with the right targeting.


Algo traders/quants/market backtesters/coders/et al.  I am looking to backtest basic things like the correlation of P/E, EV/EBITDA, etc. to market performance. I know a little R and Python.  What is the easiest way to learn to backtest this sort of stuff? I want to eventually get into algo trading sort of stuff.  I'd **greatly** appreciate it!


"Your statement - ""not practical"" -  presumes that the primary goal of having the store is to allow the store to thrive. But if you subscribe to the idea that stores and other companies are just organizations of people, that presumption is false  we humans form social structures that benefit people who live within the social structures - towns, cities, teams, companies, political parties.   the success of ""the store""  or the company or the team, or the ""city"", is not the primary goal. The success of the people ought to be the primary goal.   Example: hospitals weren't originally conceived to make money and grow. They were conceived to aid people who were sick. These days hospitals make a LOT OF MONEY , despite being classified as nonprofit institutions in the USA. As a result we have bad medical practice - over prescription of opioids, over use of surgeries, over-use of diagnostic tests, etc., - all of which benefits the hospital but not the patients.   It's not always a clear line - look at the real jobs vs environment issues in mining or fracking.   But the balance we have struck now, gives great profits to the companies (profits are at record highs) while income inequality is also at record highs. How is that sensible or sustainable. Or moral?   My key point here is that your statement that ""it's not practical for the store"" is misguided. The store's well being cannot be the primary goal of commerce. We need to place a higher priority on benefiting people. (Broadly framed - not just owners of the store)"


What it doesn't say is how many were opened, also how many were opened in the last 2 years thag they're closing.   Every new suburban development comes with an Applebee's or applebees like store. They do great at first but most sizzle out.   This could be over opening stores, or it could be the fucking scum millennials not going out to eat. I believe it might also have to do with a change in consumer habits toward restaurants. I don't see Applebee's or chilli's doing well in the future. They just don't offer what people want anymore.


With a 401k you will be taxed when you withdraw the money upon retirement (just like an IRA), but conventional wisdom had it that you're likely to be in a lower tax bracket at that time. That may not necessarily be the case though, in which case a Roth IRA would be a better option because you're paying for it with after tax dollars and distributions are untaxed. If you wanted to hedge your bets you could have both an IRA/401k and a Roth IRA.  An IRA has income limits above which the contributions are no longer tax deductible, I don't believe a 401k has the same limitations (for completion's sake: a Roth IRA has income limits above which you can't contribute to one). And like you said, the employer match is free money.


"First of all, since you're 16 - you will not invest in anything. You cannot, you're a minor. You cannot enter contracts, and as such - you cannot transact in property. Your bank accounts are all UGMA accounts. I.e.: your guardian (or someone else who's the trustee on the account) will be the one transacting, not you. You can ask them to do trades, but they don't have to. They must make decisions in your best interest, which trades may not necessarily be. If however they decide to make trades, or earn interest, or make any other decision that results in gains - these are your gains, and you will be taxed on them. The way taxes work is that you're taxed on income. You're free to do with it whatever you want, but you're taxed on it. So if you realized gains by selling stocks, and reinvested them - you had income (the gains) which you did with whatever you felt like (reinvested). The taxman doesn't care what you did with the gains, the taxman cares that you had them. For losses it is a bit more complicated, and while you can deduct losses - there are limitations on how much you can deduct, and some losses cannot be deducted at all when realized (like wash sale losses or passive activity losses). When you have stock transactions, you will probably need to file a tax return reporting the transactions and your gains/losses on them. You may end up not paying any tax at all, but since the broker is reporting the transactions - you should too, if only to avoid IRS asking why you didn't. This, again, should be done by your guardian, since you personally cannot legally sign documents. You asked if your gains can affect your parents' taxes. Not exactly - your parents' taxes can affect you. This is called ""Kiddie Tax"" (unofficially of course). You may want read about it and take it into account when discussing your investments with your guardian/parents. If kiddie tax provisions apply to you - your parents should probably discuss it with their tax adviser."


Was minimum wage ever thought of a livable wage? It was low 18 years ago. I lived at home, had no skills and worked at McDonalds.  From there I gained skills and work experience to use at the next job which was not minimum wage.


It's a genuine dilemma of politics that valid criticisms often do sound derogatory. I've known people like this- I had a cousin who was struggling with getting a career started, but who dismissed any attempts to help him as arrogant. And if he engaged in destructive behavior, well, it was always everyone elses' fault for not being nice enough laying out alternatives for him. Sometimes adulthood means swallowing pride and doing the right thing, but it's a step many can't take.  *That's* the mental box a lot of people put themselves in- to take conversations premised on perfectly relevant points, such as the historically unprecedented incompetence of a candidate, and short-circuit them so that they are about hurt feelings and tribal identity instead of that candidate's qualifications.


"Your question is expressed as a run-on sentence, which I'm having trouble parsing. Maybe you could restate.  I'm just pointing out the stupidity of the statist canard that [the debt is not a problem because] ""we owe it to ourselves"". Collectivists like to think we're all in this together, but that's not reality. Some people are taking from others by force of law.  The debt is owed to BANKS, and they want to keep this system going. Wouldn't you like to have a legal monopoly on the supply of currency? Institutions which are funded by loose credit (government, academia, military contractors, crony corporations) likewise benefit from this system.  Those who invest in US dollars, and those who are farthest from the central planning spigot are the losers in this scheme.   But there is more debt than currency, so it can't ever be repaid. So that is a moot point - it can't even hypothetically be considered.   There are however a number of other ways that this system could unwind, when it inevitably does. The banks could be left to fail, and their assets would be bid on by others through the bankruptcy process. Or the Fed could keep issuing currency to keep the banks solvent, eventually inflating the whole system into irrelevance."


> The network lets users post and comment on links akin to an early internet chatroom, and has amassed 300 million monthly visitors. But Reddit has also retained its early internet functionality and appearance — it still feels like a product that was created for the internet in 2005. “We have a lot of perception debt,” Huffman said from the company’s San Francisco headquarters. “Reddit feels old. We don’t want to be associated with old.” Huffman’s plan for the new funding includes a redesign of reddit.com...An early version of the new design, which we saw during our interview, looks similar to Facebook’s News Feed or Twitter’s Timeline: A never-ending feed of content broken up into “cards” with more visuals to lure people into the conversations hidden underneath. “We want Reddit to be more visually appealing,” he explained, “so when new users come to Reddit they have a better sense of what’s there, what it’s for.”  Uh oh.


Good to hear you didn't lose everything and learned something.  I made similar mistakes during the dot com boom, when I first started *playing* around with my 401K and decided to get on the high tech bandwagon that everyone except Warren Buffet was recommending.  I should have listened to him!  Now, I stay off the make money fast train, and stick to index funds.  I don't really like spending time buying stocks that somehow suddenly go broke right after I buy. :)


"yeah, and *I* wish colleges would stop accepting freshman who *don't* know what they want to do with their life.  College at $30k-45k a year on loans or your parent's dime isn't the time or place to figure yourself out.  Go do that working a part-time job for a few years and then go to school when you have a clue.  BTW, excellent advice on ""let the jobs come later"".  Sure it'll work out great for everyone.  (you're not that special)"


Yeah there's a lot to talk about with basic income. Like how currently there is an incentive to not work harder or move up the socio-economic ladder because as you earn more your welfare benefits go away. So people think it's not worth getting a better job because they will pay more in taxes and lose benefits but now they are working harder and not getting more for it. A basic income wouldn't go away with that sweet new job promotion. Therefore there is an incentive to work more.  I like the basic income idea. But I wonder about how to handle immigration and global relations. You will have it in some countries where others are like literally falling apart. Basically we have a long way to go until we are comfortably collecting our BI checks. At least in the US.


"Price targets aren't set day to day, because of market fluctuations are so high from day to day. But in their stock recommendations, brokerage firms will often set price targets for ""one year out.""  These targets aren't set in stone, so use them at your risk."


If you want to combine old/new thoughts then maybe look af psychological or general theory of reflexivity.  One of the underlying assumptions in big data and AI is that if you have enough data, you will have the truth. but then look at elections in the US and UK or the fact that no one can predict exchanges rates because the market reacts in a dobbel loop.  how about some good old self-driving German cars as a subject? Lots of political, ethical, R&D, management and tech considerations are in that area, finde ich. Viel Spass damit :)


The title accepts as fact the attempted smear campaign by Goldman against Smith.  Only read the summary of the report over at Bloomberg (not the report itself) but the argument appears to be that Smith did not raise these concerns about Goldman at any time while employed there except at the very end just after he had written the NYT op-ed.  Goldman is trying to pawn off Smith as a disgruntled former employee.  However, the fact that Smith didn't get the raise he sought does not necessarily mean his assertions about the culture at Goldman are incorrect.  The point being that Goldman has not proven Smith is a fraud.  They have only proven he has an axe to grind.


You may not have considered this, and it will depend on your local laws, but if someone causes you damage, you can sue them for the damages. In your case, two drivers forced you to be involved in an accident, which made your premiums go up, which is a real damage for which they might be responsible.


Private Banker are Official Staff of the Bank. They are typically assigned to High Net Worth individuals. They are responsible for any and everything that a customer needs more like Personal Banker, so that for all your needs you just need to contact him/her and they would in turn get things done for you from different groups within the Bank.


Was that the wave of people they magicked into contractors in the late 90's?  I seem to vaguely remember that a family friend was affected and we tried everything we could to find him another good job (Non citizen on work visa) everything worked out in the end for him last I've heard though.


The ability to buy in bulk is a big, big part of it (also, the ability to use that bulk to get better data, influence production, and create more efficient distribution centers, etc), but I think you could argue that that in itself is a business model.


"It's definitely an evolving field. And more apps will be coming soon. Owning the ""get a ride"" spot on peoples phones is worth quite a bit. And it will be at least a few years before you see apps that let you get bids from multiple drivers on multiple services.  Sorry about whoever downvoted you upthread, I tried to undo some of the damage."


Rapid tooling is still the result of an additive manufacturing driven by CAM. The machining process is no difference with production tooling. It need CNC machining, EDM machining, wire-cut machining, grinding, polishing and fitting. The rapid tooling will be design as simple as possible but on the condition of the that the ultimate parts will meet appearance, finish and dimension tolerance requirements. But the speed of the rapid prototyping mould will be much quicker than production or pre-production tooling.


One other consideration is that by paying off your mortgage early versus, for example, investing that capital in a mutual fund is that you are reducing your net liquidity to some degree. That is, if you find yourself needing an emergency infusion of cash it is easier to sell a stock/fund than to sell your house or get a equity loan.  I suppose if you were planning to need a lot of cash to start a business or invest in real estate, then maybe it would make sense to keep your cash more liquid. However, in your situation I agree with Joe. Pay it off. It feels REALLY good to write that last check!


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For whatever reason, I don't believe they offer it.  Yahoo does.  A google for google finance VIX turns up people asking the question, but no quote on google.


Related and one of the best titled Psychology papers: [If Money Doesn't Make You Happy Then You Probably Aren't Spending It Right](http://dunn.psych.ubc.ca/files/2010/12/If-Money-Doesnt-make-you-happy.Nov-12-20101.pdf)  >Abstract:  The relationship between money and happiness is surprisingly weak, which may stem in part from the way people spend it. Drawing on empirical research, we propose eight principles designed to help consumers get more happiness for their money. Specifically, we suggest that consumers should (1) buy more experiences and fewer material goods; (2) use their money to benefit others rather than themselves; (3) buy many small pleasures rather than fewer large ones; (4) eschew extended warranties and other forms of overpriced insurance; (5) delay consumption; (6) consider how peripheral features of their purchases may affect their day-to-day lives; (7) beware of comparison shopping; and (8) pay close attention to the happiness of others.  Even TL;DR(er): Money doesn't bring happiness. Material things don't bring happiness. Things that bring happiness however are much easier to achieve with money. Novel Expriences bring happiness, and it's hard to afford vacations when you're poor. Being useful to society at large make people happy. Bill Gates is more useful because he is rich than a Peace Corps worker. It's the little things in life that make us happy, and the rich can afford more of them. Happiness, like death, is by a thousand cuts.


Anytime the Government gets into subsidizing something, it becomes more expensive.  This happened with housing in the 1920s/30s when they deemed all Americans need to own a house, Medicine when they started Medicare/Medicaid in the 1960s, and Education which iirc they started with the GI Bill at the tail end of WW2 and student loans shortly thereafter.  Credit allows people to spend money they don't have now, causing what prices these systems can charge to rise, and encourages serfdom servicing the loan later in life.  Add to that the accreditation system and Education becomes the expensive tollbooth to many jobs that worked on an apprenticeship system before (pay you a token wage learning the trade, and maybe room and board in some cases).  The middle classes have been getting plundered the last decades, and it shows from the country going from 1 breadwinner households with luxury time to 2 breadwinner households with unpaid overtime in many cases to afford the same or lower standard of living.


Paying yourself first is a method to ensure you are meeting your financial goals whatever they may be. It's also an easy way to automate the process of sending money where you need it go without needing to think about it. Your goals could be to buy a bit of a mutual fund every month, max your IRA, or stash a percentage of each paycheck in a wedding savings account. Maybe you are saving for a house. Knowing you should save and not doing is guilt generating. Paying yourself first means regularly putting money to these goals so you can stop worrying. Any way you figure it, you've still got bills to pay.  Paying yourself first means taking care of these payments right off the top of your paycheck. The money goes where you need it. A good move is to automate this with bill pays, ACH transfers to investments accounts, etc. Once this is done, you can guiltlessly spend the money that is left over knowing that you've taken care of the important things and met all your goals. You never have to find yourself wondering if you paid your cell phone bill or if you have enough money to go out tonight. Savings for the new car you want are, as they say, in the bank.


> grammar has nothing to do with being a good banker.  True! That was my mistake. (I mean, there are some quants who half-speak english) I just remembered couple examples from the top of my head haha


Agreed. I use online banking for everything I can. The only thing that holds me back is when there are insane fees on using online payments. So really it's the companies with these fees that are slowing us all down... And the older generation that refuses to try to understand debit/credit cards and online banking. My grandma will only use cash and checks.


"I'm with you here, I can't imagine who in IB would be ""financial modeling"" with Excel. Matlab, R, or even more general purpose languages like C are much more common. Even things like cookie-cutter monte carlo simulations or many-step binomial trees are a pain with excel."


Look, the fact is that Kyrie was never going to be the main guy.  No matter what you do, when you're on a LeBron team, you are second fiddle.  I know some people such as yourself will say that kyrie is ruining his legacy by leaving but without him, Cleveland aren't the heavy east favorites they were.  Now, I am a sucker for D Rose, so this may be the first time I root for anybody in a Cleveland jersey but we'll get to see just how important kyrie was to that team this season.


Are you saying none of the gas tax goes to reduce emissions.  Gas tax supplement trains, buses and other low emission transportation.  I know there isn't a tax on how much emissions you emit depending on how you burn the gas.  Since there are more and less efficient ways of burning gas.


It takes some time for folks to renegotiate contracts and adjust policies in the commercial realm.  It's never as easy as simply going to a different web page. The different buearus have slightly different ways of scoring people, different APIs to integrate with everyone's software, and take somewhat different things into account. That takes some time to change.


My old company did this and set a limit at 13 percent which for me kept me well below putting the max into 401k.  One had to make 120 - 130k to hit the irs max at 13 percent.  So any explanation that the limit restricts high wage earner is BS.  This limit restricts all low wage earners as their 13 percent max will be less than the max allowed.  If a person making only 70k wants to put 17k into 401k fact is theycannot do this because they do not make enough the limit is discrimination against low-wage earners. Period.


The tax year will be determined by the date on the check from Lottery and they will withhold estimated taxes for federal, and for most state, incomes taxes.   Just remember if the ticket is claimed in January, then you will have to wait until the following year to get any possible refund.


In the spring of this year FHA increased their rates for Mortgage Protection insurance. (I am looking for a good refernceon the government website) Non Government reference Annual MIP For an FHA Streamline Refinance that replaces a FHA loan endorsed on, or after, June 1, 2009, the annual MIP varies based on loan type and loan-to-value. The annual MIP schedule, for loans with case numbers assigned on, of after, June 1, 2009 : For your example the monthly payment would be: $184,192*(1.2/100)*(1/12) = ~ $184.19  You were quoted 179.57 a month


I'm perfectly good at debate. You're just not worth the time. You've made half-assed non-sensical replies to all of my posts in this thread where you obviously have no direct knowledge of the industry. You're the one that said you want to know where these markets are that have different laws. They're out there, go look for them.


some of that article is misleading, some of it is just plain wrong. Very wrong... like you end up drawing an incorrect conclusion type wrong.  Corporate transaction accounts, whose balances are up recently due to TAG (expires 12/31), are subject to reserve requirements.  When you purchase something with a credit card, the bank's asset of your credit increases and the bank's asset of cash decreases (it goes wherever you purchased).  There is no change to your deposit account and no change to reserves.  The incoming bank's cash account and liability account associated with that business transaction account increase, and it is trivial to transfer the % of cash necessary to reach minimum reserve requirements to the Fed.  Secondly, anyone with a smidgen of accounting can tell that his balance sheet won't balance.


"Yes, some of my family actually worked at Arthur Anderson (thankfully they were able to jump-ship before the whole fiasco).  You make some good points, but from my personal experience and conversations (family working at Big 4 and another a partner at a regional firm), it seems that accounting firms will go to great lengths to keep their big clients.  I've also heard that they are extremely reluctant to give unqualified opinions, much like analysts are reluctant to issue ""sell"" ratings.  I know this is completely anecdotal, but I think it makes sense given the incentive structure."


Another factor to consider is that resale value of the laptop is quite bit more if it is still under warranty.  This would apply to people who replace their laptop often. It is higher because the purchaser can be assured they are not getting a lemon.  I determined this by comparing prices on ebay before selling my computer. Of course, if you keep your laptop longer than the warranty, this means nothing.  But for me it meant I could sell my old laptop quickly and for a better price. Because I used my laptop for work and totally depended on it, even one day of downtime would cost me a lot, so it was worthwhile to keep a relatively new laptop under warranty. Also, for those using Apple Care, there is an undocumented perk:  Apple covered an out of warranty repair on a time capsule under my apple care for my laptop even tho they were not purchased at the same time.


However, recently Ford has been making moves to start producing some of their cars in Mexico...and they have been trying to make a case to Trump to not increase the import tariff to 35% on vehicles imported from Mexico because it would eat up all their profits. It is funny how the tables have turned.


To protect yourself from an increase in interest rates get a fixed rate loan. The loan terms: interest rate, number of payments, monthly payments will be fixed for the loan. Of course if rate for the rest of the market drops during the period of the loan, you may be able to refinance the loan. But if you can't refinance, or won't refinance, the drop in rates for the rest of the market doesn't help you. If you want to be able to have your rate float you can get a variable rate loan. Of course it can float up, or it can float down. So you take that risk. Because of that risk adjustable rate loans start at a lower rate. If the market interest rate drops far enough many people will refinance into a fixed rate loan at a lower rate than they could have gotten at the start. For adjustable rate loans the lender, during the application process, details how the rate is determined. It is pegged to be x% above some national or international interest rate that they don't have any control over. If that base rate moves then your loan rate may move. They also specify how often it will adjust, and the maximum it can adjust between each adjustments and over the entire life of the loan.  That rate that starts initially lower than the fixed rate loan is the enticement that many people have to pick an adjustable rate loan. Some do it because they believe they will payoff the loan before the rates get too high, or they will see enough increase in income so they can afford the higher monthly payment if rates rise. If they are wrong about these things they may find themselves in trouble. The terms of the adjustable rate loan still have to follow the terms of the contract: the lender can't change the % offset or the source used to used to set interest rate.


It's not that straightforward, even though your gamma will change your delta on the fly, you likely won't see the full $.48 after such a small move.   If the vega drops due to lack of volatility while the stock is moving up, those few percentage points up might help your delta (2% gain $50 to $51 in your example) but will be partially negated by volatility going down. I mean, don't be surprised to see it at closer to $1.33 or something.  The market is out to make money, not to make you money.


>Why do [you] conflate QE with the debt?  You seem to be one of those Krugman fundamentalists who thinks we just cancel the debt side of QE?  Look around you, look at the election - QE didn't work. It was a failure. It reinflated a bubble and made bad, corrupt businessmen rich.


Based on what you've said I think buying a rental is risky for you. It looks like you heard that renting a house is profitable and Zillow supported that idea. Vague advice + a website designed for selling + large amounts of money = risky at the very least. That doesn't mean that rental property is super risky it just means that you haven't invested any time into learning the risks and how you can manage them. Once you learn that your risk reduces dramatically. In general though I feel that rental property has a good risk/reward ratio. If you're willing to put in the time and energy to learn the business then I'd encourage you to buy property. If you're not willing to do that then rentals will always be a crap shoot. One thing about investing in rental property is you have the ability to have more impact on your investment than you do dropping money in the stock market which is good and bad.


> From the IT managers perspective he has a budget of X dollars to allocate. When X dollars are spent that's it, he isn't allowed to spend any more.  The IT manager should not view his budget this way. A budget is a projection of future expenses. If some expenses turn out to be different from the projection, then either (a) you need your budget to account for this by having some slack in it or (b) you have to revisit your budget and change the plan.  Viewing a budget as a checking account is wrong. That's not how it actually works in the accounting department and by not understanding what accounting is doing, the IT manager is causing himself extra pain.


Option contracts typically each represent 100 shares. So the 1 call contract you sold to open (wrote) grants the buyer of that option the right to purchase your 100 shares for $80.00 per share any time before the option expiration date. You were paid a gross amount of $100 (100 shares times $1.00 premium per share) for taking on the obligation to deliver should the option holder choose to exercise. You received credit in your account of $89.22, which ought to be the $100 less any trading commission (~$10?) and miscellaneous fees (regulatory, exchange, etc.) per contract. You did capture premium. However, your covered call write represents an open short position that, until either (a) the option expires worthless, or (b) is exercised, or (c) is bought back to close the position, will continue to show on your account as a liability. Until the open position is somehow closed, the value of both the short option contract and long stock will continue to fluctuate. This is normal.


If land is worth something, it's because someone wants to buy it and make it productive. If it isn't worth much, the property taxes are low.  I favor wilderness protection, but I do not see that as contrary to my insistence that the fairest form of taxation is the property tax.


"To say it was horrendously mismanaged wouldn't even scratch the surface. It's as if they proprietors did no research into the market whatsoever. Indeed, there is a market for higher wealth gamblers.  You know what they expect? **Comps**.   You know what Revel refused to offer in the beginning? **Comps**.  Somehow Revel billed itself as the upscale everyman's resort and that appealed to all of nobody and every room was $300 a night. No exceptions. Higher bankroll players aren't going to drop coin where they're not getting pampered and the smokers who want to camp in a penny slot pit couldn't light up. That leaves you... middle income non-smokers who are coming to kick the tires and maybe lay by the beach? Younger adults who like to club, but don't have the rolls to session at the tables? Where's the profit in that?  That was the original perfect storm of foolishness that set the tone for the rest of the property's lifespan.  Don't forget that during their mad dash for casino patrons they unleashed a most ridiculous $100 ""rebate"" on slot play wherein if you lost $100 they'd refund your stake. The fine print (if there ever was any) was that they'd provide you with ten $10 slot play vouchers over the next 10 months. More opaque foolishness.  Their poker room closed in the first year of operation.  The place is beautiful, on prime real estate on north Absecon Island, and has untapped potential. The fact is the casino had promise if it had been run by halfway competent management from the outset. Atlantic City is not Vegas. It will never be Vegas. Trying to chase Vegas is, you guessed it, more foolishness."


"What is ""microlearning?""  After just checking Google, and after reading through the corporate jargon, it sounds like it's a fancy way of saying ""I don't know the answer to this question, so I'm going to Google it.""  Did I just ""microlearn"" without even realizing it?"


Could well be a good work enviroment. The story widely reported back in Nov '11 before the IPO was that workers who had been given shares and options in lieu of salaries in the start-up days were then being pressured prior to the IPO to give up their shares or face possible job loss. Maybe just a few senior people were affected, but it didnt sound good.


To me it looks pretty good (10% per year is a pretty good return). Lagging behind the indexes is normal, it is hard to beat the indexes over a long period of time, the longer the period - the lesser the chances to succeed. However, half a year is a relatively short period of time, and you should check your investments a little bit deeper. I'm assuming you're not invested in one thing, so you should check per investment, how it is performing. If you have funds - check each fund against the relevant index for that fund, if you have stocks - check against the relevant industry indexes, etc. Also, check the fees you pay to each fund and the plan, they come out of your pocket, lowering the return.


If you are interested in short term trading and live in the UK you can do some Spread Betting. If you know what you are doing you can make money no matter which way the market is moving. Note that most people don't know what they are doing and lose their money pretty quickly.


http://www.investopedia.com/university/shortselling/shortselling1.asp  'Therein lies the major risk of short selling, the fear of infinite losses. While the maximum loss for a long investor is the amount invested in a security, the maximum loss for a short seller is theoretically infinite, since there is no upper limit to a stock’s price appreciation. This risk is compounded by the fact that during a short squeeze or buy-in...'  Never have shorted a stock. Too intimidated by that!


To put it simply interest is the fee you get for loaning money to the bank / government / company / person or whomever you lend it to. A dividend is the money that a company pays out to its owners. For some cooperatives (may or may not apply to your credit union) you become an owner through using it, such that they'll pay you a dividend instead of or as well as interest. Which could explain them using the term interchangeably .


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"So you are off to a really good start.  Congratulations on being debt free and having a nice income. Being an IT contractor can be financially rewarding, but also have some risks to it much like investing.  With your disposable income I would not shy away from investing in further training through sites like PluralSite or CodeSchool to improve weak skills.  They are not terribly expensive for a person in your situation.  If you were loaded down with debt and payments, the story would be different. Having an emergency fund will help you be a good IT contractor as it adds stability to your life.  I would keep  £10K or so in a boring savings account.  Think of it not as an investment, but as insurance against life's woes.  Having such a fund allows you to go after a high paying job you might fail at, or invest with impunity.   I would encourage you to take an intermediary step:  Moving out on your own.  I would encourage renting before buying even if it is just a room in someone else's home.  I would try to be out of the house in less than 3 months.  Being on your own helps you mature in ways that can only be accomplished by being on your own.  It will also reduce the culture shock of buying your own home or entering into an adult relationship. I would put a minimum of £300/month in growth stock mutual funds.  Keeping this around 15% of your income is a good metric.  If available you may want to put this in tax favored retirement accounts.  (Sorry but I am woefully ignorant of UK retirement savings).  This becomes your retire at 60 fund.  (Starting now, you can retire well before 68.)  For now stick to an index fund, and once it gets to 25K, you may want to look to diversify. For the rest of your disposable income I'd invest in something safe and secure.  The amount of your disposable income will change, presumably, as you will have additional expenses for rent and food.  This will become your buy a house fund.  This is something that should be safe and secure.  Something like a bond fund, money market, dividend producing stocks, or preferred stocks.   I am currently doing something like this and have 50% in a savings account, 25% in a ""Blue chip index fund"", and 25% in a preferred stock fund.  This way you have some decent stability of principle while also having some ability to grow.   Once you have that built up to about 12K and you feel comfortable you can start shopping for a house.  You may want to be at the high end of your area, so you should try and save at least 10%; or, you may want to be really weird and save the whole thing and buy your house for cash.  If you are still single you may want to rent a room or two so your home can generate income.   Here in the US there can be other ways to generate income from your property.  One example is a home that has a separate area (and room) to park a boat.  A boat owner will pay some decent money to have a place to park their boat and there is very little impact to the owner.  Be creative and perhaps find a way where a potential property could also produce income. Good luck, check back in with progress and further questions! Edit:  After some reading, ISA seem like a really good deal."


"Windows RT in general was a huge fuckup. ""Let's remake Windows Mobile so that it doesn't run any previously existing software, then make WIndows 8 resemble that single-tasking, touchscreen-centric design for no goddamn reason, and *then* bring resurrect Windows CE's bony corpse as the unholy midpoint of those two terrible decisions.""   Intel Atom smartphones came out like a month after the Surface. Why the fuck aren't Windows Phones running actual Windows with a simplified userland and the specs of an eight-year-old laptop? If the Surface Pro makes sense without a keyboard, then why the hell wouldn't I want my smartphone to leverage the hundreds of applications I already know and trust? Microsoft's rushing to embrace and exploit Apple's walled garden, but they could destroy it completely if my next smartphone could just play movies and view PDFs without having to pay money or look at ads."


I'd buy it out, and change the paying system for the employees back to an incentive service even though not having that is what made them so successful in he 90s, That business model doesn't work anymore.   They need to connect with the hardcore electronic people too. They lost their core market when they lost their knowledge in electronics. You know that 5%-10% of the market influences the rest of it.   Frys electronics does it right.   They need to have a vast quality of media on hand too. It needs to not be all the blockbusters (irony) but just things I can't download from thepiratebay that I want to watch now. Thats the only reason I go to best buy now. Sell them at competitive prices too. Im starting to think $20 blu-rays is where it should be.


"just curious what qualifies this as a ""hedge fund"".  is it structured as an LLC?  are they charging Apple 2%/20% fees?  are they shorting or using derivatives or leverage to manage risk or amplify returns?  are they employing sophisticated investment strategies?  are they managing funds for outside investors?  sounds to me like a standard cash management and tax avoidance operation of a (very large) corporation that somebody is calling a ""hedge fund"" to claim it is the world's largest.  I'm sure most major corporations are running something similar to this and nobody calls them hedge funds."


There needs to be a test to prove that pot was consumed in the recent hours following a work incident (and if suspected of driving impaired), similar to a breathalyzer. If I drive a forklift through a wall 3 weeks after I smoked a joint, it's not the pot that was responsible. Insurance will continue to use the pee/hair tests to reject claims until then. Thus, companies will need to have clean employees all the time to avoid getting stuck with the bill.


"This is a brilliant move on Amazon's part in my opinion. They have the economy of scale to increase margins. In addition, it increases their urban ""brick & mortar"" footprint. They were already planning to enter the grocery landscape via Amazon Fresh and this gives them an immediate and scalable footprint with the opportunity to transform the way consumers buy groceries. It will be interesting to see if the likes of Walmart, Kroger, Sprouts, and other traditional, large format grocers are able to adapt and continue to compete. Also excited to see how Amazon will decide to improve upon the existing Whole Foods format. This is a huge disruption in the grocery landscape and the ripple effects will be significant."


Your reasoning is backwards. As others have pointed out, you cannot just decide how much you charge irrespective of the market. Let me paraphrase a little economics 101 to underline why you also should not think like this: You can see a rental property like your house (the same reasoning is usually explained with the example of hotel rooms) as a series of perishable goods. Your house represents the potential sale of the January rent (which perishes once January is over), plus the February rent etc. Your approach was to compute the total costs (all fixed and variable costs of owning that house as well as costs associated to renting specifically) and average them over the time period so that you know how much to ask at least. Assuming that you are only looking to rent it out, not sell it or let a family member live there, you can't think like this. Most of those costs that you averaged are what economists call sunk costs. You have already incurred the mortgage costs and they are not affected by your decision to rent or not to rent. These costs are irrelevant to your decision making process. You only need to think about marginal costs: those additional costs that you have when you rent but not when you don't. Look at the market prices for renting similar properties in that region and compare them with your marginal costs. As long as they are higher than your marginal costs, rent it out. This does not mean that you are sure to make profits, but it means that you are sure to make less losses than in your only alternative of not renting.


Not all education is considered equal.  Can you tell us just a little bit about what kind of degree you are going for and where?  The reason I ask is that there are many schools out there which are more interested in making a profit, and less interested in providing an education. -Ralph Winters


I didn't get mad about it. If I was mad, I would downvote you; but I don't even remember the last time I actually downvoted someone on here. I'm actually indifferent to it. If I wanted karma, I would just spend all my time commenting in the rising queue. That's how you rake in karma.  I pointed out abuse of subreddit rules to undermine the contrarian's credibility. Doesn't care about the rules; doesn't care about the facts; just pushing a shill opinion: dismissed.


Yes you can do that and it it wise to do so. However, you should make sure that the general trend of the stock is upwards and you buy during a trought in the uptrend. So basically if the stock is making higher highs and higher lows on the daily or weekly charts, then you would want to buy around one of the higher lows before the ex-dividend date. If the stock is making lower lows and lower highs, then it is in a downtrend, so never buy in this instance. It is better to miss out on a dividend of $1 rather than to buy just for this $1 dividend and lose $5 or more when the price continues to drop further.


You don't even know what an ad hominem is. Hilarious.  >And you still haven't explained what on earth could possibly replace the concept of government.  And now I'm not going to, because you decided to be a turd and I'm done wasting my time.