"Last week I bought a Toyota RAV4 XLE that comes with Driver Assist (will steer you car if you are not in the lane), stop the car is slower speed if you are about to hit another car or pedestrian, Radar to keep distance and avoid slowing cars in cruise control, automatic high beam, etc.  I called my insurance and asked if there are any discounts for all these safety features.  They said ""No!"", but I do get a discount of passive anti-theft which is now standard on almost every car.  It will take the insurance industry 10 years to start giving discounts for this new safety devices... because, meanwhile, they don't have to give discounts and keep all the money."


"Wikipedia says ""The Canadian Securities Course (CSC) offered by the Canadian Securities Institute (CSI) is the initial course required for becoming licensed to work within the Canadian securities industry (outside Quebec) as a securities dealer or securities agent."" Src: Candian Securities Course EfficientMarket Canada adds "" You require it and further courses for other jobs in the investment industry. Generally some work experience is also required. All of this is governed by various self-regulatory agencies. The material in the course is strong on money making products, and fairly weak on material that would actually protect a consumer from harm. Passing the course is very little indication that you understand what's important about investing, for example, you won't be taught much of anything about the theory of investment, or the markets, or things like the efficient market hypothesis."" Src: EfficientMarket.ca on the CSC So it appears that the CSC is necessary to work as certain types of financial agencies. That being said, I doubt it will be enough to get your foot in the door. This seems more like a prerequisite rather than a true qualification, so you'll be competing with MBAs/Finance students and other people who either have experience or training in the financial industry. I'd recommend you look into the Chartered Financial Analyst (CFA) certification as that will provide you with a rigorous knowledge of financial theory as well as asset management, which seems more appropriate for what you'd like to do. From there you'll have to network like crazy and leverage your experience to get in at a Canadian financial firm and eventually wealth management. So yes, I suppose a CSC is a good first step but more will certainly be required and I doubt it will be enough to land you a full time position.  Another important factor is age - nobody expects undergrads to have extensive certifications or experience, but it's harder for a 35 year old to enter a new industry, especially finance."


La empresa ofrece los mejores servicios de visado. Proporcionamos el diverso tipo de servicios de visa, tales como visa de la educación, negocio, y vacaciones para Canadá. Básicamente, cómo solicitar la solicitud de visa de. ¿Cuánto tiempo tomará procesar mi solicitud de permiso de estudio? Los tiempos de tramitación varían dependiendo de dónde se solicita la visa de BOEX. Como aplicar a la visa de estudios en Canadá los residentes que solicitan en otros el tiempo de procesamiento promedio es de pocas semanas después de que sus documentos están con la embajada. Si usted solicita de Canadá, si la confirmación de la visa de estudio, entonces un retraso adicional puede ser incurrido mientras que este proceso concluye.


Insurance isn't an investment.  It's a hedge against your untimely death, and is meant to replace the potential income that will be lost by not having you there to provide for your family. Buy term, and invest the difference.  Traditional investments will outperform the insurance fund, as well as offering more flexibility.


A synthetic position mimics the payout of a financial instrument.  Synthetics are attractive when the liquidity/availability of an instrument is low or there is a mismatch in fees or values of the synthetic's components which could lead to arbitrage.    In speculative trades, the seller of a CDS takes a positive view of the credit worthiness of the underlying security.  The buyer of a CDS has a negative view of the credit of the underlying.    So in this example, there is a limit on buying or shorting corporate bonds by how many bonds the company has issued, and the value you have to invest in the bond itself, so if you wanted heavy exposure to this company's credit; you would be limited by how many you could buy.  Whereas with a CDS you can mimic the performance with a synthetic position; and as long as there is someone to take the other side of it, you can buy or sell however many you want and have more exposure than the debt the company issued would allow on its own.  Hope that makes some sense.


Jesus...you're hopeless. You can read the emails yourself online. No classified information was shared. Just boring emails. GOP officials have also used private email servers.   Do research so you stop making the alt-right as stupid as it is.


There are a couple of advantages that I can think of.  Since the machines are less complicated because they don't have to handle cash, they are less expensive and require less maintenance. Machines that handle cash require lots of moving parts.  Cash machines require lots of employee interaction. The machines need to be stocked with cash each day, and at the end of the day the cash needs to be taken out and counted. With a cashless machine, the computer does all the work.


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USPS has a much more complicated business then delivering packages. It also provides many more benefits to employees than something like FedEx. FedEx and UPS would figure out how to deliver a letter, but if you think they are going to your house everyday for the cost of a stamp you are mistaken.


Yeah, it can be a scam.  Lots of unscrupulous companies try to generate commissions by encouraging frequent trading - I can't recall the term they use right now, but I don't like to use these people for advice.  My bank has 100 free trades per year for each account, which is more than enough for me to never pay a commission.


If wages are so bad, why don't these people go work somewhere else? You know, like a local store that pays better?  They can't, you say? They can't because Wal-Mart drove local stores out of business?  If only consumers had cared more about keeping their community alive instead of getting 5% lower prices on their groceries...


"There is only one book worth reading in my opinion: One Up on Wall Street. It's short and no other book even comes close to it for honesty, correctness and good sense. Also, it is written by the second most successful investor of all time, Peter Lynch. The Intelligent Investor has some good technical content, but the book is dated and a lot of it is irrelevant to the modern investment environment. When I was younger I used to ready books like this and when a friend of mine asked for investment advice. I said ""Look at stocks with a PE ratio of 5-10"". A few days later he comes back to me and says ""There are none"". Right. That pretty much sums up the problem with the I.I. Graham himself in interviews during the 1970s said that his book was obsolete and he no longer recommended those methods."


Looking to buy a house soon, but I want to do this as well to safeguard my credit. Should I still go through with it even though I need lenders to be able to get to my info? Or rather, say I have it locked, then unlock it for the lenders... do I need to repeat this process and pay $10 x 3 again?


It's a Firefox extension named Murdoch Block copy.rev2.3 and it blocks all websites owned by Newscorp. It gives you the option to view a Google cached version of the page, which I believe prevents Newscorp from gaining any advertising money from the pageview.


"lol he's been called out on /r/borrow by /u/FoxK56 plenty of times yet still keeps on going. Goddamn energizer bunny with wasted energy.  /u/iceman1800 - go become a gigolo with your ""supremely good looks"" so that you can stop asking/scamming for money and stop thinking about idiotic business ideas. They really aren't ideas. There's a reason your posts/comments get deleted and it's for the safety of the various Reddit communities."


>“Growing debt . . .  would increase the probability of a sudden fiscal crisis, during which investors would lose confidence in the government’s ability to manage its budget and the government would thereby lose its ability to borrow at affordable rates.”  I suppose it's too much to ask that the CBO understands how our monetary system works.  Do they honestly believe that we rely on investors to loan us a currency we can make in unlimited quantities?  The only way the U.S. could default is if congress decides to stop paying off our debts.


If the VAT is offset by not having to pay for employees health insurance, then I wonder what net effect it would have on goods?  Also, if the employees are no longer paying for their share of the employer funded health insurance, then that would, effectively, be more money in the employees pockets.    You're right though, it all comes down to what the numbers look like.


the blockchain introduces scarcity to the internet. BTC is nothing but the first mover and a storage of value.   ETH has a huge real-world application side. Just think about the reduction in financial intermediation or interbank lending.  There are a lot more cases, i.e. putting your last will into the coin. Basically, you can program whatever you want into the the blockchain of ETH.   There is a lot of literature about it, just look it up. It is the internet 4.0 and here to stay in some form or another.  go to r/ethtrader to find out more and the how to  Edit: what I can gather is that the BTC hype is punishing all other Alt coins right now. So if you believe that this is temporary, then this right now is a dip to buy.


My entrepreneurship prof said that in most cases if you really believe in your product/idea and it is differentiated from what exists already, you can afford to have someone steal your idea and try to make a go of it because you should still be able to do a much better job of it than they can, and their heart isnt in it the way yours is.   I think ultimately it really depends on the product though. You definitely don't want to try going 2nd to market against someone with superior resources unless you can 100% beat their version of the product by a good margin (either on price or quality and hopefully both) and you can scale up quickly


Government default doesn't mean that all US money is immediately worthless.  First, the bondholders will get stiffed.  Following that, interest rates will shoot up (because the US is a bad credit risk at this point) and the government will monetize its ongoing expenses -- i.e., fire up the printing presses. If you're concerned about not having access to your money, start pulling out a little extra when you get cash at an ATM.  Build it up over time until you have enough currency to weather through whatever emergency you envision with your bank account.


Im still learning. Medicine is very much hell to get thru school if you hate memorizing. I hate memorizing. But 80 hours a week for life sounds like hell too when I can just do 50 and make 200 k .   Im considering going back to engineering as well.


Nothing happens. A bank is a business; your relationship with the bank doesn't change because your visa or immigration status changes. Money held in the account is still held in the account. Interest paid on the account is still taxable. And so on. If the account is inactive long enough, abandoned account rules may apply, but that still has nothing to do with your status.


Dollar-Cost averaging will allow you to reduce your risk while the stock prices falls provided: You must invest a fixed amount $X on a fixed time scale (i.e. every Y days). By doing this you will be able to take advantage of the lowering price by obtaining more shares per period as the price falls. But at the same time, if it starts to rise, you will already have your pig in the race.  Example: Suppose you wanted to invest $300 in a company. We will do so over 3 periods. As the price falls, your average dollar cost will as well. But since you don't know where the bottom is, you cannot wait until the bottom. By trying to guess the bottom and dumping all of your investment at once you expose yourself to a higher level of risk.


How so? Just because you can't test for something means it should be thrown out of consideration?  Now I don't think that cheating the Antibiotic-free classification is rampant but I would consider the possibility in my purchases. I'm more likely to buy from a vendor that is known to work closely with its suppliers to maintain quality than ones who have not. If I see something  with an organic label selling below market cost from a questionable vendor, I won't have blind faith that the product is what it alleges to be.


"I would suggest reading through page 1 of the Arizona Nonresident form instructions at the web address below: https://www.azdor.gov/Portals/0/ADOR-forms/TY2015/10100/10177_inst.pdf To quote: ""You are subject to Arizona income tax on all income derived from Arizona sources. If you are in this state for a temporary or transitory purpose or did not live in Arizona but received income from sources within Arizona during 2015, you are subject to Arizona tax. Income from Arizona sources includes the following: ...the sale of Arizona real estate..."""


> The company gained 850,000 streaming subs in the U.S. and 4.45 million overseas in the period. Analysts had estimated Netflix to add 784,000 net subscribers in the U.S. and 3.62 million internationally for Q3.  Better than expectations by far. Wonder what happened there? Is Netflix OC driving that?... it can’t be other content, they’re bleeding non-OC content


Wow….I’m sooo glad I read your advice & tips on names headlines & a title? It Really made me think about it…I had one in mind…but not now…it definately isn’t the one..Thanks so much…….Mine will be a catchy one.


Data. The panel consists of executives from PayPal, Credit Suisse, WorldQuant, & SoFi and they essentially discuss how quantitative data is becoming more and more critical in the space of finance. They discuss the declining need for human capital and the use of automation (floors and floors of traders vs. floors and floors of servers).


Typically you give a loan to the company from yourself as a private person, and when the company makes money the company pays it back to you. Then the company pays for all the expenses with the money from the loan.  Even if you don't want a business account yet, you can probably ask your bank for a second account (mine in the UK did that without any problems).


I'm not an extremist, I have rational normal delusional thoughts with no basis in reality that has me do things like cut off the tip of my sons penis at birth because I dont know why LOL, I'm normal!


There are just too many places to get decent pastries these days. Practically every podunk town has a Starbucks or something similar, and even most supermarket bakeries make pretty solid muffins, danishes, etc. The niche for quick, sweet snack food is pretty saturated with stuff that's better quality and still cheap enough to fall within most people's price window for such occasional items.


"Ah, gotcha.  That would be moving the country towards a more socialistic or communistic system where the government controls more of the means of production.  I think there would be a problem. Successful companies need to be disruptive and the larger you are the harder it is to try a different approach. I think if the government did try to offer a competing product, the beauracracy would weigh down the offering.  The only way the government could be assured a profitable business is to compete unfairly.  Consider one of the big government companies, the Post Office.  UPS has always been seen as the higher-quality delivery serive. Overnight shipping was considered impossible until FedEx did it. Even today the USPS is in serious financial trouble even though it is granted a monopoly on letter delivery (it is illegal for UPS and FedEx to deliver letters). The Post Office is too inefficient to make money on package delivery so they subsidize that side of their business selling stamps.  > so we could abolish income tax and lower taxes over all  IMO, the taxes will be paid one way or another. If you cut income tax then it will be replaced with a payroll tax, or sales tax, or property tax, or tariff, or passed to you in the form of higher prices. The only question is the definition of a person or group's ""fair share""."


Thank you.  Some of these guys don't seem to understand several points.  Too wrapped up in politics instead of economics.  * Any job that went south of the boarder was leaving anyway.  I think Mexico uses a lot more of our raw materials and services than China would.  *  I pointed out on that link that almost 40 million jobs were created in the three countries until 2007.  Someone responded and 47 million workers.  But I think it's better than 47 workers and 0 job creation...  I should also point out that I'm pretty sure the US added more jobs than Canada or Mexico.  * NAFTA provides you with much more buying power.  20 years ago a poor person could not buy an iphone if it existed back then.  Currently anyone can afford any combination of Iphone, Xbox, computer, above ground swimming pool, etc.    *  If you are against NAFTA, you might as well be for tariffs on trade between states.  After all, if we were better with tariffs as a country, imagine how much better your state would be with them.  Imported beef from Texas?  Pay an extra 30% for what you buy.  Your local economy will improve so much while you pay more and are buying less stuff.  Especially if Texas gives an export subsidy to their beef guys, now why would beef producers sell in Texas for 3 a pound when they can make 4 a pound exporting?  Even Texans would feel the sting.  Tariffs on trade is genius...


Sorry brother, that line works well on city-dwellers, but I live on a farm.  I produce eggs and beef that are consumed locally.  It still costs me every time we fill a tractor with diesel, and for my running around with my pest control company.  Sure, I could take the bus...but I'd imagine that folks would give me strange looks...a guy with hazardous chemicals and a bag of dead rodents.  The plus side is, I'd have a few seats to myself.


I'll preface this with saying that I'm not a finance or real estate professional, this is just how I understand the situation and what I'm doing:  We just got a 30year/FHA mortgage, there's no prepayment penalty, and no fees associated with paying it biweekly. In fact (Wells Fargo), while the payments get withdrawn biweekly, they don't actually post to the mortgage until there's enough for a full payment.  So essentially here are the benefits I'm realizing:


The federal program is struggling financially. The NFIP is $25 billion in debt after paying out damages for hurricanes Katrina and Sandy. It will probably have to borrow more money to pay for Harvey, which is on track to be one of the most destructive in U.S. history. The NFIP is only authorized to borrow up to about $30 billion, meaning the agency could hit its limit after all the Harvey claims come in.


I question the reliability of the information you received.  Of course, it's possible the former 401(k) provider happened to charge lower expense ratios on its index funds than other available funds and lower the new provider's fees.  There are many many many financial institutions and fees are not fixed between them.  I think the information you received is simply an assumptive justification for the difference in fees.


Electric Power is Everywhere Present In Unlimited Quantities, It Can Drive The World's Machinery Without The Need Of Coal, Oil, Gas Or Any Other Fuel If you remember, the first time information like this leaked out, the inventor was shut down pretty fast. Therefore, after we get the Nicola Tesla Secret out, we've got no control over what happens next.  But, we're willing to take a risk here. We're releasing this secret because this technology has been around far too long and can help far too many people save money while the power companies continue to ROB people during a poor economy.


Your credit score, for better or worse, is increasingly about more than just getting loans. For example insurance companies can use it to some extent to determine your rates,.


"Legally, a check just needs to have a certain list of things (be an instruction to one's bank to pay a specific amount of money to bearer or to a specific entity, have a date, have a signature, etc.) There are anecdotes around of a guy depositing a junk mail check and it accidentally qualifying as a real check (which he turned into a live show), or of writing a check on a door, cow, or ""the shirt off your back"". What kind of checks your bank will process is technically up to them. Generally, if you get your blank checks printed up by any reputable firm, they'll have similar information in similar places, as well as the MICR line (the account and routing number in magnetic ink on the bottom) to allow for bank to process the checks with automated equipment. As long as it's a standard size, has the MICR line, and has the information that a check needs, your bank is likely to be fine with it. So, there are some standards, but details like where exactly the name of the bank is, or what font is used, or the like, are up to whoever is printing the check. For details on what standards your bank requires in order to process your checks, you'd have to check with your bank directly. Though, it wouldn't surprise me if they just directed you to their preferred check printer provider, as they know that they accept their check format fine. Though as I said, any reputable check printer makes sure that they meet the standards to get processed by banks without trouble. Unless you're a business that's going to be writing a lot of checks and pay a lot of fees for the privilege, a bank is not likely to want to make exceptions for you for your own custom-printed octagonal checks written in ancient Vulcan."


"It's a shame that a guy like Krugman has to start an article with the title ""This isn't just political spin:...""  The guy has used up his credibility.  I remember watching some sort of show during the last election cycle where someone said something to the effect of , ""major economsts say XYZ""  and the farmer he was talking to said ""which ones?""  ""Paul Krugman""  Whereupon the farmer gives a dismissive wave.  He could be 100% right.  But he's burned it all up."


"A withdrawal from an IRA has a 60 day period during which time you may roll it over to another IRA, effectively ""borrowing"" and returning the money. Once that time has passed, the transaction is complete.  Your question asks in one place about deposit, then withdrawal. You might edit to clarify the timing of your situation and your intentions."


You shouldn't be charged interest, unless possibly because your purchases involve a currency conversion. I've made normal purchases that happened to involve changes in currency.  The prices were quoted in US$ to me.  On the tail end, though, the currency change was treated as a cash advance, which accrues interest immediately.


The only real consideration I would give to paying off the debt as slowly as possible is if inflation were much higher than it is now.  If you had a nice medium to low interest (fixed rate) loan, like yours, and then inflation spiked to 7-8%, for example, then you're better off not paying it now because it's effectively making you money (and then when inflation calms back down, you pay it off with your gains). However, with a fairly successful and active Federal Reserve being careful to avoid inflation spikes, it seems unlikely that will occur during your time owing this debt - and certainly isn't anywhere near that point now.  Make sure you're saving some money not for the return but for the safety net (put it in something very safe), and otherwise pay off your debt.


What does it mean when some one says that today there was a lot of net selling or buying in a stock. What does it mean because for every selling there is also a buying going on then how can you determine a selling or buying ? Generally if the price of stock has gone down compared to previous day, the trend is of selling. As the price can be volatile, there maybe few trades that are above close price of previous day, or below close price of previous day.  How can you calculate average trade price for a stock It is simple {sum of all [price*quantity]}/quantity. Related question Equity market inflow meaning


I am not a structured products expert, just relaying what's in the article, but I'd imagine it includes a larger equity tranche in the structured product, thereby giving more cushion against losses to the actual debt investors in the tranches above it in the payment water fall.


"So the ""Win state"" for the America is that Trump made up a nick name. I really don't think Trump is going to win that game because the come backs could range from Retard to PePe to OrangeMan and they are all good and true and hit home hard in the way that makes America cringe.  Unfortunately the truth is its is more a sign of American impotence and frustration as its power and influence wane and the world has stopped responding to the baby talk that led us into the Iraq war and Afghanistan. Now only America responds to the baby talk and the world looks on in wonder as if the Chinese did actually manage to contaminate our diet with excess lead.  There is nothing that anyone is going to do about North Korea, there is no solution except to accept another member into the nuclear club, and hope others don't rapidly follow suit. The more aggressive and abrasive the US acts, the more the motivation for others to do the same.  There will be a price to pay for the name calling and it will last a lot longer that the orange baboons antics in front of un-amused world leaders."


bzzt. Should be   aol -> [ yahoo | hotmail | gmail ] -> personal domain  Don't judge people by what free email provider they use.   I switched back to hotmail when they followed the GB mailbox path because I like their interface better and they have folders. Not saying the gmail way is better or worse - just that I didn't like it.


I've seen so many Orthodox Jews in Chicago get out of their BMWs and use a Link card to buy groceries.  It's huge in the Orthodox community. They think of themselves as literally being the special people chosen by god and better than everyone else and it shows.


True on the second point. It is information based. My bad.  With regard to the first point, I don't think he's Jesus returned. He makes plenty of mistakes but he does provide the return record of a very disparate group of investors following the same method. That method may not work anymore (hard to say) but I think it does. I'm obviously a true believer.   With respect to third point, I don't think you were being a dick. Enjoyed the debate. Thanks for the perspective


Cancer has long been among the world’s catalog of most serious and life-changing diseases, affecting various parts of the body. In the United States alone, about 13 to 14 million Americans are living with cancer as of 2014. Caring for a friend or a loved one with cancer can initially be difficult.


Women entered the work force en mass. And, with twice as many potential employees the cost of labor decreased. That is, of course, the non-PC version and it began earlier than the 80s but it's essentially correct--labor like any other commodity increases in value relative to its scarcity.   If all the women (or all the men, or all of any sizeable group) left the labor market the price of labor would begin to increase as companies bid up the price they were willing to pay for each employee. With today's level of globalization this becomes a much more complicated equation--do local wages rise or do jobs migrate to abundant (and cheap) labor? But, it's the same idea.


As @mbhunter says, make sure you pay off any debt you have first.  Then, it's a good idea to keep some or all of your savings as an emergency fund.  If you use every last dime to pay for a house, you'll have no cushion available when something breaks down.  The most common recommendation I've seen is to have 3-6 months worth of expenses as an emergency fund.  Once you have that, then you can start saving for your down payment.   As @Victor says, try to find the best interest rate you can for that money, but I wouldn't invest it in any kind of stock or bond product, because your need for it is too short term.  Safety is more important than growth given your time frame. When you're ready to invest, make sure you learn all you can.  You don't want to invest in something you don't understand, because that's how you get ripped off.  You can be reading and talking to people while you're saving for your house so that, when the time comes, you'll have a pretty good idea of what you want to do for investments.


You could do all your shopping there, but most people don't. Between the price and the lack of things like Frosted Flakes, it's often an additional stop, not the only one.  Their selection of non-fresh groceries is relatively small.  If we are saying WF is the only stop and is a full fledged grocery store, I agree with the poster - Wegmans is better.


"As already noted, options contain inherent leverage (a multiplier on the profit or loss). The amount of ""leverage"" is dictated primarily by both the options strike relative to the current share price and the time remaining to expiration. Options are a far more difficult investment than stocks because they require that you are right on both the direction and the timing of the future price movement. With a stock, you could choose to buy and hold forever (Buffett style), and even if you are wrong for 5 years, your unrealized losses can suddenly become realized profits if the shares finally start to rise 6 years later. But with options, the profits and losses become very final very quickly. As a professional options trader, the single best piece of advice I can give to investors dabbling in options for the first time is to only purchase significantly ITM (in-the-money) options, for both calls and puts. Do a web search on ""in-the-money options"" to see what calls or puts qualify.  With ITM options, the leverage is still noticeably better than buying/selling the shares outright, but you have a much less chance of losing all your premium. Also, by being fairly deep in-the-money, you reduce the constant bleed in value as you wait for the expected move to happen (the market moves sideways more than people usually expect). Fairly- to deeply-ITM options are the ones that options market-makers like least to trade in, because they offer neither large nor ""easy"" premiums. And options market-makers make their living by selling options to retail investors and other people that want them like you, so connect the dots. By trading only ITM options until you become quite experienced, you are minimizing your chances of being the average sucker (all else equal). Some amateur options investors believe that similar benefits could be obtained by purchasing long-expiration options (like LEAPS for 1+ years) that are not ITM (like ATM or OTM options). The problem here is that your significant time value is bleeding away slowly every day you wait.  With an ITM option, your intrinsic value is not bleeding out at all. Only the relatively smaller time value of the option is at risk. Thus my recommendation to initially deal only in fairly- to deeply-ITM options with expirations of 1-4 months out, depending on how daring you wish to be with your move timing."


There's a premium or discount for various stocks subject to influence by the alternatives available to investors, meaning investments are susceptible to the principle of supply and demand. This is easily seen when industries or business models get hot, and everybody wants a tech company, a social media company, or a solar company in his portfolio.  You'll see bubbles like the dotcom bubble, the RE bubble, etc., as people start to think that the industry and not its performance are all that matters.  The stock price of a desired industry or company is inflated beyond what might otherwise be expected, to accommodate the premium that the investment can demand. So if bonds become uniformly less attractive in terms of returns, and certain institutional investors are largely obliged to continue purchasing them anyway, then flexible investors will need to look elsewhere.  As more people want to buy stocks, the price rises.  Supply and demand is sometimes so elementary it feels nearly counter-intuitive, but it applies here as elsewhere.


Social Media Job for this Month:  Use the link below to generate traffic and earn money 5$-10$ for every unique visitor that clicks your link. Good places to start posting your link are social websites like Facebook, Twitter, Google+, Youtube, forums, chat rooms, blogs, etc.


Watch for Walmart to buy Blue Apron or the same time of businesssoon. Probably Blue Apron because the yare gonna be prime for buying the next year.   I know people are all on the Amazon taking of the world bandwagon but losing sight at what Walmart is doing is dumb because they are far more primed to do so. Just my two cents though.   EDIT: Also Amazon stock is insanely over priced and inflated while Walmart is right at the point where you want to jump that bandwagon and ride the wave to being rich.


Asset prices across the board are at historic highs because interest rates have been too low for too long. Owners/sellers of assets win, and this is primarily the baby boomer generation, and the buyer of these assets loose, primarily gen x and millennials. I'm really not looking forward to at best, stagnating asset prices as interest rates are inevitably increased, or at worst, another crash.


"YLed by the long-haul segment, sales of WDM gear set a revenue record of $2.6 billion, according to a new quarterly report from Dell'Oro Group. The market research firm says the figure represented a spike of 10% versus the year-ago quarter. ""The WDM market growth isn't slowing down,"" said Jimmy Yu, vice president of optical transport research at Dell'Oro. ""The recent second quarter growth of 10% marked the 18th consecutive quarter that the WDM market has increased. Furthermore, as an indication of the market's strength, 12 of those 18 quarters grew at double-digit percentage rates.""  DWDM long-haul equipment revenue jumped 18% versus 2Q13, while WDM metro equipment sales grew 4% year-over-year, according to the report. ""A number of factors are driving the strong growth of WDM, the most significant of which is the global adoption and penetration of 100-Gbps wavelengths in long haul applications,"" explained Yu. ""It's also one of the reasons why DWDM long haul equipment revenue growth rates have been outpacing that of WDM metro equipment for the past two years."""


"ok I'll bite. at the turn of the 20th century, 80% of the workforce in the United States was engaged in agricultural work. Today 5% of our workforce is in agriculture (i'm quoting these figures from memory so they may be a little off) . However we produce WAY more food now than we did 112 years ago - because of technology: farming techniques, genetic engineering, pesticides, heavy equipment, etc. in other words, today we're massively more productive in agriculture than we were 112 years ago with a small fraction of the work force.  the same is going to happen in manufacturing. It's faster, better, more profitable, and safer to have robots do manufacturing work. you still need technicians, programmers, etc. to manage the robots but again, you can do more with less.  what will people do for work when manufacturing goes the way of agriculture? SERVICES. people will always need other people to provide services - retail stores, doctors, lawyers, salespeople, accountants, programmers, entertainers, the list goes on and on. plus there are some things (think construction) that inherently need people to work. as long as there are people being born there will be ways to make money.  specialization is a reality - people will need to ""re-skill"" and adapt. if society makes provisions for workers to re-skill and find employment we can avoid a bloody revolution.  this is rambling and incoherent but the tl;dr is: we've been through economic transitions before (ag to manufacturing). this is just another transition and will probably not be the end of the world."


Because not everyone is a racist.    I don't use the r-word here as an insult, but as a description.  If you accept the thesis that White people are better nation builders than Black people you must accept the idea that White people and Black people are fundamentally different.  This is the heart of what Racism is; a belief in race.  The truth is, race categories are the debunked creation of old scientists that have no more meaning than zodiac symbols.


You can't own fractional shares. If the Reverse Split resulted in you having less a full share (for example, if you had 500 shares, and they did a 1000:1 reverse split), your fractional share was cashed in (sold). That could be that 'money market' activity shown on the next day? It is your responsibility to be prepared for a reverse split, by either selling at your desired price, or buying more shares, so you end with an integer number of shares after the reverse split.


> Even if Tesla takes care of the issue quickly and gave me a loaner, it's still hours if not a day that I wouldn't have a drivable car.  The thing is, it's really not.  They can come get your car from wherever it is and drop off a loaner at the same time.  The loaner is generally a Model S (unless they run out, and then they offer you a free rental of something cool - I got offered a Jaguar for my Roadster's warranty service once, but chose to take a Leaf instead because I am fully over gasoline).  Oftentimes they can pick up the car while you're at work and have it back to you by the end of the day.  Like they mentioned, I think only 2 repairs required an overnight stay - and they had access to a loaner at the time anyway.  Further, they mention multiple times that many of the repairs were for issues related to early production cars - the door handle problem, for example, was only in the first 1,000 cars or so before a software update fixed it.  The software update for that one was applied over the air.  >and my admittedly short experience with our own Camry so far  Interestingly, CR dropped their recommendation for the Camry last year (according to the most recent info I could find, which is [from October](http://www.cnbc.com/id/101148312), so there may be something more recent than that), while they still recommend the Model S based on their review and reliability survey.  That article even claims the Model S to be above average in reliability (though I think they may have gotten that wrong).  >Since these two reviews switched me from being interested in Tesla to being apprehensive, I'd say that they were quite unfavorable.  Again, I wonder if you read the full reviews, or followed their various updates on the long-term tests.  Because both have been overjoyed with the car all along, and like I said, it almost feels to me like they're hunting for things to say they had problems with just so they seem to be objective.  One of the guys even said something to that effect in the CR talking cars segment on Youtube.  Also, you should try driving the car, because, like CR and Edmunds, you will still be plenty interested in the car were you to drive it.  Yes, it's that good - just as their reviews claim.


You should meet my white republican roommate/friend who spends all of his money on Home Depot stuff or other stupid shit. He doesn't have any kids, makes 14.50/hr, and was paying $300 for rent. He has overdraft his account a few times. He is an idiot when it comes to money


It is important that a cleaning business should avail of an insurance policy from a reputed broker. Polished Insurance has been providing insurance coverage for cleaners since 2001. Throughout the years, they are recognised as amongst the UK’s top brokers in the cleaning industry. If your cleaning business needs insurance, then you should get one from them. Visit their website at www.polished-insurance.co.uk for more details.


"SOS is Secretary of State. SOS number is the number the Secretary of State office assigned to your entity. You can find it on the LLC application form that you submitted (assuming you kept the copy of your application returned to you), or by searching for your entity on the SOS site here (the first column, ""entity number"", is what you're looking for)."


Mervis Diamond is a family owned business specializing in engagement and wedding rings. Mervis Diamond has earned a great reputation for consistently winning the best of weddings award. Mervis has a reputation that you can trust. No matter whether you have a tight budget, they will get you the biggest and most brilliant diamond possible, and save you some dollars in the process.


"Yes, you can usually deposit/pay money into a credit card account in advance. They'll use it to pay any open debt;  if there's money left over they'll carry it as a credit towards future changes. (""Usually"" added in response to comments that some folks have been unable to do this -- though whether that was really policy or just limitation if web interface is unclear.  Could be tested by simply sending them an overpayment as your next check and seeing whether they carry it as a credit or return the excess.)"


Compliance issues vary from country to country and, in the US, state to state as well.  There'll be a number of levels, though: Bear in mind that it is not that these taxes and responsibilities don't apply to sole traders or unregistered businesses, it's just that being registered signals your existence and introduces the bureaucracy to you all at once. Update: Your accountant should manage your company and consumer tax calculations and submissions on your behalf (and a good one will complete all the paperwork on time plus let you know well in advance what your liability is, as well as offer advice on reducing and restructuring these liabilities).  You're probably on your own for local taxes unless your accountant deals with these and is local to even know what they are.


"Right, which is why the fact that there are a lot of ATMs running old software isn't really a problem.  And why you don't hear, ""100,000 ATMs HACKED!!!  Millions stolen!""    There are also (depending on the make and model in question) various bits of firmware and encryption in the way, as well as physical switches.  So, it's not particularly easy to make an ATM spit out money for you without the right authorization, not to say it's impossible."


Slide 1 Blogspot: NORTON SCIENTIFIC SCAM-Detection and Prevention of Clinical Research Fraud - FC2 Knowhow deanciana Slide 2 NORTON SCIENTIFIC SCAM-Detection and Prevention of Clinical Research Fraud and Misconduct A Norton saeo.net — Current Class Dates (subject to change): Scheduled as Needed based on Student Demand. Email us atonlinetrain@nortonaudits.com if you are interested in this course. Description - This is an advanced-level class that takes an in-depth examination of severe noncompliance, clinical data fabrication and falsification, scientific misconduct and fraud cases. The course focus is on developing skills for preventing fraud and misconduct and preparing clinical research professionals to better handle severe noncompliance. Slide 3 Source: saeo.net #NORTON SCIENTIFIC SCAM-Detection and Prevention of Clinical Research Fraud and Misconduct A Norton #norton scientific reblog  clintonmccage: NORTON SCIENTIFIC SCAM-Detection and Prevention of Clinical Research Fraud and Misconduct A Norton Current Class Dates (subject to change):  Scheduled as Needed based on Student Demand. Email us atonlinetrain@nortonaudits.com if you are interested in this course.  Slide 4 Description - This is an advanced-level class that takes an in-depth examination of severe noncompliance,clinical data fabrication and falsification, scientific misconduct and fraud cases. The course focus is on developing skills for preventing fraud and misconduct and preparing clinical research professionals to better handle severe noncompliance. Source: saeo.net #NORTON SCIENTIFIC SCAM-Detection and Prevention of Clinical Research Fraud and Misconduct A Norton #norton scientific reblog  eddiemccrane: Slide 5 NORTON SCIENTIFIC SCAM-Detection and Prevention of Clinical Research Fraud and Misconduct A Norton Current Class Dates (subject to change):  Scheduled as Needed based on Student Demand. Email us atonlinetrain@nortonaudits.com if you are interested in this course.  Description - This is an advanced-level class that takes an in-depth examination of severe noncompliance, clinical data fabrication and falsification, scientific misconduct and fraud cases. The course focus is on developing skills for preventing fraud and misconduct and preparing clinical research professionals to better handle severe noncompliance. Slide 6 Source: saeo.net #NORTON SCIENTIFIC SCAM-Detection and Prevention of Clinical Research Fraud and Misconduct A Norton #norton scientific 1 note reblog  pittturvey: Norton Scientific : Blogspot | Facebook Fraud Prevention | NORTON SCIENTIFIC SCAM-Detection and Prevention of Clinical Research Fraud and Misconduct A Norton : Social-bookmarking.net Current Class Dates (subject to change): Scheduled as Needed based on Student Demand. Email us atonlinetrain@nortonaudits.com if you are interested in this course. Slide 7 Description - This is an advanced-level class that takes an in-depth examination of severe noncompliance,clinical data fabrication and falsification, scientific misconduct and fraud cases. The course focus is on developing skills for preventing fraud and misconduct and preparing clinical research professionals to better handle severe noncompliance. Slide 8 Class Agenda/Modules - Instructors Make a Difference Defining Clinical Research Fraud and Misconduct Evaluation of Case History R.E.S.E.A.R.C.H. TM Skills Program Advanced Auditing and Monitoring Skills for Prevention Case Development


I think that public education is literally under attack in the US right now. At least on the Internet.  For example, I can't even begin to tell you how many arguments I've gotten into with people on here about this. I never meet them in real life, though. Its strange.  Basically, they feel we no longer need public education, since people need more of it now they figure why bother.   Allowing education to be privatized like healthcare has been would be a huge mistake.


In the event that payment is not made by the due date on the invoice then the transaction is essentially null and void and you can sell the work to another client. For your particular situation I would strongly suggest that you implement a sales contract and agreement of original transfer of work of art for any and all future sales of your original works of art. In this contract you need to either enforce payment in full at time of signing or a deposit at signing with payment in full within (X) amount of days and upon delivery of item.  In your sales contract you will want to stipulate a late fee in the event that the client does not pay the balance by the date specified, and a clause that stipulates how long after the due date that you will hold the artwork before the client forfeiting deposit and losing rights to the work.   You will also want to specify an amount of time that you provide as a grace period in the event client changes their mind about the purchase, and you can make it zero grace period, making all sales final and upon signing of the agreement the client agrees to the terms and is locked into the sale. In which point if they back out they forfeit all deposits paid. I own a custom web design business and we implement a similar agreement for all works that we create for a client, requiring a 50% deposit in advance of work being started, an additional 25% at time of client accepting the design/layout and the final 25% at delivery of finished product.   In the event that a client fails to meet the requirements of the contract for the second or final installment payments the client forfeits all money paid and actually owes us 70% of total quoted project price for wasting our time. We have only had to enforce these stipulations on one client in 5 years! The benefit to you for requiring a deposit if payment is not made in full is that it ensures that the client is serious about purchasing the work because they have put money in the game rather than just their word of wanting to purchase. Think of it like putting earnest money down when you make an offer to buy a house. Hope this helps!


not sure if you are serious. golf courses require a large number of people working on it. jobs created.   property development (including building of the golf course) creates a large number of temporary jobs, and long term jobs (upkeep services), and the opportunity for new local businesses to open. The rich folk moving in will probably want to keep their house clean (housekeep services), their yard kept (landscaping service), their cars maintained (auto shop / services), their dogs/pets cared for (pet care services), their organic food (food markets), etc. In addition, by having the rich folks there, the 'mid to luxury' store front brands might decide to open up locations in the area - a smart developer would build a small open air mall to complement their housing. This creates jobs. It might not seem like much, but when your family is barely making ends meet, a few extra hundred dollars each week can make a huge difference.   In addition, the new business generates taxes for the city.


The least expensive way to buy such small amounts is through ING's Sharebuilder service. You can perform a real-time trade for $9, or you can add a one-time trade to their investment schedule for $4 (transaction will be processed on the next upcoming Tuesday morning). They also allow you to purchase fractional shares.


"Okay Stevie. Let me introduce you to a distinction that may help you as you go through life. You can thank me later.   The distinction is between prescription and description.   What you get when you look in a dictionary or a reference source like Wikipedia for a definition of a word or phrase is a descriptive example. It's a description of a common usage but not a limitation or restriction.   You seem to have confused this descriptive resource with a presciptive edict such as a law against parking in a handicapped zone without plates that allow you to do so. The latter is a hard-fast rule that cannot be altered and that seems to be what you think a dictionary or Wikipedia represents. That's not what how it works. You can go ahead and write a letter to Jimmy Wales yourself if you like but I'm sure he's on my side.    Besides which, if you don't like the phrase ""patent troll"" in reference to LEGO then I'm happy to work with you and say instead they're ugly mutherfucking thugs that abuse the patent system. Does that work out better for you?   Anyway, glad you took the time to make sure the message was crystal clear."


You're right that someone who, say, photographed the front of your card at the store could use it to make some online purchases. Schemes like Visa's 3-D Secure provide additional online security by having you enter your password on the issuer's website, but they aren't common yet in the US. But as littleadv says, you as the cardholder generally aren't liable for fraud (except $50 in some cases). Just be sure to check your statement monthly and notify the issuer of any fraud within 60 days. To issuers, fraud losses are fairly predictable, and the cost is acceptable.


"I met two MBA graduates from Harvard - both made VPs at large Canadian companies (i.e. $1B or greater annual revenue) after working 2-5 years as management consultants post-graduation - one is now a divisional president making over $500K in salary along. When I asked one of them (one that is not yet making $500K in salary) about the Harvard MBA difference, he said the brand-name and the network probably set it apart from others, since most MBA schools now uses the same material as Harvard's.   I tend to agree with his thoughts - I never did felt the caliber of my professor had much to do with my ability to apply what I learn to practical use.  In my own MBA education, the professor did more facilitation than ""teaching"".  Apparently that is the norm, as MBA is less about being fed information than it is about demonstrating the ability to analyze and present information.  Back to M.Attia's question, I would go with the highest ranked MBA education I could afford (both financially and lifestyle).  A friend of mine was able to get his employer to pay for the $90K tuition fee from Rotman, along with job security for 5 years (not a bad idea in this economy).  I settled for Lansbridge University in Fedricton because the flexibility of distance learning and cost was important to me, though I was able to get my employer to pay for the MBA after I started (I switched group within the company shortly after I started my MBA and my new boss was able to get the approval without locking me in)."


The good thing is that as luck would have it, the Jews don't control the military, because the Jews don't like an enemy that can fight back and like to kill unarmed civilians in Palestine.  So, it seems that while the Government and the economy have all fallen into the hands of Israeli agents, we can still look to our military to save us.


Publix is another employee owned massive chain, grocery store but also in Florida. Have known someone work their way up to GM and be sitting on quite a load of stocks.  Some insurance companies in Florida are also privately held and give employees stock options.


You're right, but you also probably know a lot about technology. You are in the minority when it comes to the average e-book user. Most people don't know how to do anything else on an e-book reader other than read e-books.


"This would be my guess, too.   My town has a small family-owned bowling alley that's been here for decades. It was cutting hours, getting a little run-down, and in danger of closing. There was talk in the community of saving it, after they announced they would be closing, and it stayed open a few more months, then they announced the closing again, once the boom in business died back down. Someone else stepped in and partially bought it out, but I doubt it will stay open much longer.  All in all, they couldn't afford to keep it open. The largest nearby town has a huge bowling alley, affiliated with a large chain, and runs a bunch of bowling leagues and tournaments. There are also 2 ""family fun"" places nearby that offer bowling with electronic scoring and all and a bunch of games for the kids.     They couldn't compete with all that when they just had the same old facilities as always, but they couldn't afford to upgrade the place to draw more business either."


If you don't need to own a car for other reasons (i.e. if you are perfectly fine using Lyft and public transport), a new car loan should have just as much effect on your credit score as, say, opening a new credit card. Your credit score would take a temporary dip because of the hard inquiry to acquire the card, but your number of credit accounts would increase, and your credit utilization rate would go down, both of which are good things for your credit score. There may be better ways to increase your credit score that others know about, but I don't think getting a car loan when you don't need a car is the best one. Note, this assumes that you are paying all your credit cards off in full every month.


"To expand on the above, go to the ""Investor Relations"" part of the website if they're public, and take a look at how they explain themselves to their shareholders. You'll learn a lot very quickly about everything you'd need for the interview."


I'm not really sure what you considering working class neither do I want to insult that or take it for granted. You just can't say rural people should be made negligible because they don't want the same plans that people in urban areas need/want


Please find out whether you are considered to be a tax resident of the US from the date that you received the permanent immigrant visa or from the date that you first enter the US on that visa. If the former, and you received the visa after April 30, you might be a part-year resident of India for Indian Income Tax purposes for the current tax year. You need to convert your bank accounts including Fixed Deposits (the FDs that you mention) to NRO accounts as soon as possible. You will need to keep at least one NRO account open for a year or more to receive the final interest payments on your FDs as well as the proceeds of cashing in the FDs, not to mention any refunds of Indian Income Tax that may be due to you for last year or the current year. Once you are done with all these, follow the procedures outlined in this excellent answer by @Dheer to transfer the money to your US account.  At this point, you can close the NRO account if you wish. As PeterK's comment says, it is not a good idea to bring a large sum of cash with you unless you are really really paranoid about banking channels. Note that if you insist on bringing cash (whether it is INR or USD) or negotiable instruments (checks or bank drafts) with you when you land in the US, these will have to be declared on entry if the total exceeds US$ 10K. There is no limit to how much you can bring with you as long as you declare it. Transfers of your own money from India to the US is not taxable income to you in the US, and income tax will already have been paid/withheld on that money in India, and so there is no income tax liability in India either on the sum transferred.


You havent signed a contract, so you are only an authorised contact so you have nothing to worry about at all.  Your credit reference can only be affected if you are a signed party on the contract.  I would imagine that they wont remove your details as you may assist them by contacting your emplorer, and effectively chase the debt for them especially if you seem to be family member or a friend of the business owner. How did you find out about the debt, did they phone you?  If you really want peace of mind, you could write to them and confirm that you are not authorised to be contacted by phone or in writing regarding the debt, and that you are not in anyway liable for the debt and that your contact details must be put beyond use, and as you are concerned, say that if they take any further action against you such as affect your credit ref etc then you will take them to 'your' local magistrates court to seek compensation.  Use strong terms and insist they must do what you ask rather than just say that you would like something done etc.  Say that you 'Will' take further action which is generic, and that you 'May' do specific things so that it sounds strong but you haven't have committed to any thing in particular.  This would most likely be more than enough to stop further contact.


It (usually) is better to use Other Peoples Money (OPM) than your own. This is something that Donald Trump has mastered. If you use OPM and something goes wrong you can declare bankruptcy and wipe out that debt. The Donald has done this more than once.  At the fantastic low Intrest rates a company would be wasting resources if they only used their own money.


"Following these rules will help a poor person have a better chance to climb out of poverty or avoid poverty. Not finishing high school isn't going to help them find a good job. Having children as a teenager isn't going to put a poor person into the middle class. Having children without being married and having a full time job isn't going to solve poverty, but make it worse. You call these rules ""middle class values"" as if it is a bad thing, and speak of them as an imposition. Well, breaking these rules is pretty much a ticket to generational poverty."


The money is paid to investors who bought those mortgage backed securities. The company that services those loans is responsible for making sure the money is paid to the right investors


"Zip code, as well as billing address, is used in conjunction with the Address Verification Service (AVS).  AVS is a web (or phone) service that actually verifies the address with the billing address on file with the issuing bank.  It does not use the credit card stripe.  You can see more information from various sources such as bank merchant help pages like Bank of America's. As far as what is stored on the stripe, it varies some by bank (as there are some ""optional"" areas).  The standards are discussed here. Fields include your account number, name, the expiration date, some card-specific stuff, and then the discretionary section.  I would not expect much in terms of address type information there. So - the answer to your question is that they can't really take much more than your name and CC #, unless you give it to them.  If you give a false zip code, you may have your purchase rejected.  They certainly do keep track of the credit card number, and I would suppose that is the most valuable piece to them; they can see you make purchases across time and know for a fact that it's the same exact person (since it's the same card). Additionally, zip codes for AVS from pay-at-the-pump are supposedly not generally used for marketing (see this article for example).  That is probably not true at at-the-register (in-person) collections, most of those aren't for AVS anyway.  Even California permits the pay-at-the-pump zip verification as long as it's only used for that (same article).  I would assume any information given, though, is collected for marketing purposes."


"Can you give me a rundown of what I'm seeing?  Is this basically a super zoomed in tracker of a current stock or something?  Where a stock fluctuates a few cents up/down on the day, and you just trade before it goes down, then trade as it goes up or what?  EDIT: Is this really live?  Can you say, ""Yes this is live narwalls"""


"The story with most companies, Tesla, Apple, Microsoft, old GM, etc is that innovation was done by gray individuals or smaller companies and they buy their ideas or simply take those ideas without giving credit to the innovator.  Apples is a good example: the Apple II is Steve Wozniak's idea and creation, and even the iPod and iPhone were ideas and design of few people you never heard of. Steve Jobs was a total failure at anything ""designed by Apple"": the Lisa, Newton, Macintosh, Next and a long list of products of poor design.  Microsoft too: DOS was not written by them, Windows was developed by Xerox, the PC is by 2 people at IBM, Internet Explorer is a copy of Netscape, Excel is a copy of Lotus 123, etc."


Few people actually buy BMW's. Most are leased, because if you're the type of person who wants to drive a BMW, you're going want a new one regularly.  Here's the lifecycle of a BMW or other luxury car: By the time you hit ten years, you have a rapidly depreciating asset because the average Joe doesn't really want an old BMW and hassles that come with it or any luxury car. That said, there are great bargains in this space. I used to buy 5-6 year old Cadillacs when they weren't cool for like $7-9k, and resell them a year later for about $1,500 less that I bought them for. (lower TCO than a Civic) You need to have patience though, because maintenance is always an expensive pain in the rear with luxury cars.


there's something to be said tailoring advertising directly to me.  even though I consider myself an anticonsumer, truth is I spend a shit of money buying stuff. I'll never buy one of big ass trucks advertised during football, but I do watch football and yes I could be convinced to buy a Volt. In fact I'd feel better about the world if I saw Volt commercials. thinking the world is full of red neck good old boys (no offense) leaves me feeling alienated by the end of a game.  quit wasting money and customize my experience for me.


I admit, in the long term there are a good number of kinks to work out, but in the end I want to see some system where people in general can seize the means to their own well being without stepping on one another.  The management corruptions you talked about is another reason why I prefer Worker-Co-ops to be the optimum form of issuing business, because its not just a few people in charge, it's a whole social group acting in unison.    When you discuss the mom-and-pop store having no suppliers, it would be good to promote some way of each money supply to have a share of each industry within it.  There are always some people in every trade looking for their next job.  They just have to find a supply where there trade is in demand.  The process is self feeding.  Next off, or course the mechanism of the system would work in a way that firm's can't just pay themselves with their own debt, they have to issue it to their creditors first, and even then it's practically impossible to accept your own debt as payment.  You would have to take some from a competitor at best.    What I've been trying to do is find some system where no one institution or no one alliance holds the keys to the definition of value.  If you have five to eight dictators fighting at once as opposed to one financial dictator who can oversee all, like the fed scenario you just described, It's more possible for people who are freer relatively to survive freely between the borders of these spheres of influence, as they can play each dictator off the other.  at least from your dialogue I can see you're one of those who gets what I'm trying to aim for.    Here's another idea I've explored with it, that's similar but may make the environment slightly different, so let me know what you think  what I call the Revolving Tax Window, where the government accepts different bondnotes, both in quantity and specific assortments of notes, in intervals of every business quarter, so that the demand for specific notes changes four times a year.  From January until the end of March they could accept Taxes in notes from Firms A,F,H, and T, and for April into June it could be just B and S, and so on.  The options for note issuing could be set on a list of firms registered with the SEC or whoever.   The combination for the quarter could be picked at random by a randomizing algorithm, so no firm could make a plan to be a market dictator, and a sense of dynamism is maintained in the economy.    Obviously, the more firms are properly registered on this list, the more combinations of monetary combinations you have, and the more power is distributed from too much control by anybody.    What you can do is choose whether or not you want there to be less or more notes in the next quarter, because just like fiscal policy and conventional monetary policy, the extremes have trade offs, but different ones; to few currencies, the economy may be stimulated, but you get market dictators via monetary oligopoly, even if temporary.  Too many, you avoid market dictators who will be more focused on getting a real return by investing in competing ventures based on what will actually return investment, but the economy may not be as stimulated.  What do you think of this structural alternative?  (One of the focal sources I've been building my economic policy on has been *Debt: The First 5,000 Years* by David Graeber, if anyone's familiar.)


Ok, then competition should be singular.   > IMO anti-trust needs to protect both consumers and **competition**. Without protecting **competition** it will hurt consumers in the long run. > Monopolies are glaring in the tech world and some tech companies unfairly used their information flow in addition to monopoly power to crash/buyout their **competition** or to cockblock their competitors from acquisitions.


"Are there businesses which professionally invest ethically? Yes.  The common term for this is ""socially responsible investing"".  Looking at that page and googling that term should provide you with plenty of pointers to funds to investigate. Of course, the definitions of ""ethical"" and ""socially responsible"" vary from person to person and fund to fund.  You'll have to take a look at each fund to see which ones match your principles."


Iiiiiiitttttttttsssss  TIIIIIIIIMMMMMEEEEE!!!  This is the moment you have been waiting for  The people vs the Central Banks  Fighting!!!! out of the bankrupt, boom & bust and money printing corners the Greenspans, the Bernankes, the Yellens . .the TeeeaaaaaammmmMMM Shemeckle!!!  Fighting!!! out of the Block Chain Technological distributed book, for the people by the people corner . . .TeeeaaaaMMMM Anonymous   This is a no holds barred contest . .kicks to the balls are applauded


"> ""So I'll either stop shipping prescriptions or switch to FedEx or UPS -- which cost me three times what the USPS currently charges.""  Basically, the USPS is delivering overnight packages for 1/3 the cost of FedEx and UPS and can't make that work.  So now business costs will go up when sending things overnight as they're forced to switch to private carriers.  Thus, in essence, the USPS has been ""subsidizing"" business that send things overnight."


Yeah, we had a guy do something similar at my job with a 'back problem' He kept pushing off his return date later and later because of 'new issues and new tests'. Eventually the bosses got tired of dealing with it and filled his position, so as soon as he finally comes back to work he'll get a pink slip.   This is the #1 reason I can see businesses not wanting to hire women of 'childbearing age', to quote the article. It's an expense they can easily avoid. Why pay thousands of dollars for an employee who isn't there, when you can hire someone who (probably) won't leave for as long/cost the company as much. Logically they have no incentive to hire the women, because the company sees them as a liability.


"Fair enough, thank you. But my takeaway from this is not ""Trump should be allowed to do this"", as much as ""How in the hell have we been letting these things happen all these years?""   This is not something Trump should get a pass on because we've never stopped anyone before. It's something we need to figure out how to end ASAP."


The Playboy bunny is firmly in the pantheon of commercial icons alongside Apple's apple, Coke's red & white swoosh, Disney's mouse ears and the Golden Arches.  If you had to tell the story of the 20th Century strictly in graphic images, he'd be smack in the center of it all.   Whatever your politics you have to give him that. RIP Hef.


"Dude, SHUT UP. This is not an argument. You are wrong, ignorant and stupid. The fact that you keep bring up the same false narrative DOES NOT make it true. I would gladly continue to explain to you how much of an idiot you are, but, what with your ability to ""think critically"" as you called whatever is is that seems like rational thought to you (I'm laughing, even as I write that sarcastically, you're just such an idiot), it would be a waste of both of our time.   Feel free to continue to have your backwards ideas of the world. The rest of us will continue our lives happy and not full of hate for another person just because of the way they choose to worship. We understand hoe numbers work. It's great. You should try it, even though I know percentages are a little complicated for your tiny little racist brain.   I would challenge you to go see that Muslim friend you claim to have, and share some of your ideas with him. Show him this thread of trash that you've created. See if he still considers you a friend, if he exists at all.   You can continue sending messages if you'd like. It's DEFINITELY going to convince me that you're not a moron. You're not digging that hole deeper with every ignorant word you say at all. You're totally fooling us."


"This is the best tl;dr I could make, [original](http://www.reuters.com/article/us-trade-nafta-mexico-guajardo-idUSKCN1BC3D3) reduced by 58%. (I'm a bot) ***** > MEXICO CITY - Mexico and Canada would remain in the North American Free Trade Agreement even if the Trump administration abandoned the accord, Mexican Economy Minister Ildefonso Guajardo said on Thursday.  > &quot;NAFTA will continue to regulate the relationship between Mexico and Canada,&quot; Guajardo said at an event in Mexico City, noting that only Washington might consider leaving the accord.  > &quot;Neither Canada nor Mexico will announce their departure because we want to keep being regulated by NAFTA,&quot; Guajardo added after a meeting with lawmakers.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6xcr30/mexico_canada_to_stay_in_nafta_even_if_us_leaves/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~202319 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*: **MEXICO**^#1 **Guajardo**^#2 **accord**^#3 **CITY**^#4 **Canada**^#5"


This is a real difficult situation and I think the correct way to proceed here is to be honest and straightforward.


If you stopped blaming everyone else perhaps you'd be less angry and sharp-tongued. The world is not full of morons fucking everything up. What it is full of is people who make mistakes and the uninformed. If you can bypass your narcissism, you'll see the root of the problem - why these things occur. Then you can fix them instead of complaining about them.


Boycott these dirty ass CEO's and Cheeseburgers.  If you take your company over seas you should not be allowed to do business inside the U.S.  This goes for Microsoft, Google, Facebook, Apple who all have offshore accounts with billions in them.


She almost couldn't work any harder (here's where you suggest she go to school) She's averaged 60 hour weeks. Dunno if dads even alive. She has a right to exercise her ability to reproduce. And you can't claim she's wreckless or decide what she can or even should do. She busts her ass to take care of her family.   But because she don't have enough 0s in the bank account, some y'all think she should not have kids. So you want her to find a time machine or what? Not hearing a solution, just typical lazy half assed judgement.   Maybe you guys could consider sex education and family planning important to the budget. Maybe not let gas bag Mike pence change sex ed to just 'dont'. If we're talking about this particular poor mother, this is where it could have been done better. But I am making an assumption those children weren't planned.   Human rights include reproduction. From my point of view I wouldn't have had two kids either. But she sure as hell shouldn't be cast as a fool for wanting family and valuing it over money.


I loved this podcast. You can tell, at least during the interview, she hadn't come to terms with it coming back to bite her. I was listening on a drive somewhere and I can just remember thinking, damn, she really got exactly what she needed. It was just so oddly satisfing. I also couldn't get past the fact she didn't see it coming. Anyway. I hope the linked podcast is the one I'm thinking about.


Ethereum trades are not subject to the same rules as securities are. Thats the primary flaw in your assessment. Yes, cryptocurrency is a free trading arena where you can actually take advantage of market inefficiencies yourself 24 hours a day, 7 days a week, at massive profits. The equity securities markets are not like that, and can't be used as a comparison. If you have a preference for flexibility, then it is already clear which markets work better for you. Market makers can make stub quotes, brokers can easily block their retail customers from doing it themselves. Even the dubious market manipulation excuse is reference to a sanction exclusive to the equity markets. The idea that it went through a week earlier probably triggered the compliance review. Yes, a broker can refuse to place your limit order.


"You call it ""gutting the core values"". I call it generating shareholders value. I used to be in investment banking and I'm now at a fortune 50 company. The amount of $$$ wasted on incompetent employees is incredible.  ""The result is very quick employee burnout and turnover, and zero work-life balance."" What's wrong with this? You will attract a bunch of driven, hungry people who don't care about going home at 6pmor coming in to work during the weekend. Works fine for Goldman Sachs. Of course there is a limit. 3G can only do this for a certain type of jobs."


Build a trust. I have a trust account under my name and 3 dependents, FDIC confirmed we're good to 1m. Then I have personal accounts for the 4 of us and a corp account, all at the same bank, each also insured.


"actually, the labor theory of value is based on the ""socially necessary labor time"", a sort of societal average of the amount of labor necessary to produce something (including the labor already included in raw materials, etc.)  So if someone produces some commodity more or less quickly than their competitors, the goods still have the same value, (unless/until that average changes,) and that producer's costs will simply be above or below the average, leading to increased/decreased profits compared to their competitors.  So your criticism is not only rather uninformed, its actually pretty central to how Marxists explain the drive for increased production efficiency (through capital investment, new management techniques, etc.)"


Another unmentioned reason: flexibility and liquidity.  There is a fundamental difference between installment and revolving debt, such that it could be rational to pay revolving debt before an amortizing loan.   Lets say you have 100K in cash, a 100K mortgage at 4% and 4 25K credit cards at maximum balance and a 0% promotional rate (at least for now).   If you pay off the mortgage, you may not get liquidity if you need it.  This path is not necessarily reversible.   If you pay off the credit cards, you have 100K of credit available to you.  You can reverse to the case of having 100K in cash, and 200K in debt.


When buying investment properties there are different levels of passive investment involved.  At one end you have those that will buy an investment property and give it to a real estate agent to manage and don't want to think of it again (apart from watching the rent come in every week). At the other end there are those that will do everything themselves including knocking on the door to collect the rent. Where is the best place to be - well somewhere in the middle. The most successful property investors treat their investment properties like a business. They handle the overall management of the properties and then have a team taking care of the day-to-day nitty gritty of the properties. Regarding the brand new or 5 to 10 year old property, you are going to pay a premium for the brand new. A property that is 5 years old will be like new but without the premium. I once bought a unit which was 2 to 3 years old for less than the original buyer bought it at brand new. Also you will still get the majority of the depreciation benefits on a 5 year old property. You also should not expect too much maintenance on a 5 to 10 year old property. Another option you may want to look at is Defence Housing. They are managed by the Department of Defence and you can be guaranteed rent for 10 years or more, whether they have a tenant in the property or not. They also carry out all the maintenance on the property and restore it to original condition once their contract is over. The pitfall is that you will pay a lot more for the management of these properties (up to 15% or more). Personally, I would not go for a Defence Housing property as I consider the fees too high and would not agree with some of their terms and conditions. However, considering your emphasis on a passive investment, this may be an option for you.


"Capitalism is supposed to be tolerable because, it is claimed, that, overall, it helps most people. Many people would question if that is true but that's the justification.   But Romney's activities helped, maybe a few dozen or a few hundred wealthy people and hurt everyone else. So there is no justification for his ""business"". It is like slavery made the lives of a few people nice and the lives of everyone else, slave and nonslave, much worse."


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"tl;dr: Your best course of action is probably to do a soft pull (check your own credit) and provide that to the lender for an unofficial pre-approval to get the ball rolling. The long of it: The loan officer is mostly correct, and I have recent personal evidence that corroborates that. A few months ago I looked into refinancing a mortgage on a rental property, and I allowed 3 different lenders to do a hard inquiry within 1 week of each other. I saw all 3 inquires appear on reports from each of the 3 credit bureaus (EQ/TU/EX), but it was only counted as a single inquiry in my score factors. But as you have suggested, this breaks down when you know that you won't be purchasing right away, because then you will have multiple hard inquiries at least a few months apart which could possibly have a (minor) negative impact on your score. However minor it is, you might as well try to avoid it if you can. I have played around with the simulator on myfico.com, and have found inquiries to have the following effect on your credit score using the FICO Score 8 model: With one inquiry, your scores will adjust as such: Two inquiries: Three inquiries: Here's a helpful quote from the simulator notes: ""Credit inquiries remain on your credit report for 2 years, but FICO Scores only consider credit inquiries from the past 12 months."" Of course, take that with a grain of salt, as myfico provides the following disclaimer: The Simulator is provided for informational purposes only and should not be expected to provide accurate predictions in all situations. Consequently, we make no promise or guarantee with regard to the Simulator. Having said all that, in your situation, if you know with certainty that you will not be purchasing right away, then I would recommend doing a soft pull to get your scores now (check your credit yourself), and see if the lender will use those numbers to estimate your pre-approval. One possible downside of this is the lender may not be able to give you an official pre-approval letter based on your soft pull. I wouldn't worry too much about that though since if you are suddenly ready to purchase you could just tell them to go ahead with the hard pull so they can furnish an official pre-approval letter. Interesting Side Note: Last month I applied for a new mortgage and my score was about 40 points lower than it was 3 months ago. At first I thought this was due to my recent refinancing of property and the credit inquiries that came along with it, but then I noticed that one of my business credit cards had recently accrued a high balance. It just so happens that this particular business CC reports to my personal credit report (most likely in error but I never bothered to do anything about it). I immediately paid that CC off in full, and checked my credit 20 days later after it had reported, and my score shot back up by over 30 points. I called my lender and instructed them to re-pull my credit (hard inquiry), which they did, and this pushed me back up into the best mortgage rate category. Yes, I purposely requested another hard pull, but it shouldn't affect my score since it was within 45 days, and that maneuver will save me thousands in the long run."


Isn't their lower effective rate due to their growing deferred tax assets?  They also had a loss carryforward from a few years back, which would lower the effective rate even further.  These accounting principles can be used to lower effective tax rates for small businesses, too.


>Stock down more than a percent  What an absolutely nonsensical sentence.  Typical daily swings up and down are well within that range.  To attribute a 1.2% (at the time of my comment) decline to a crappy NYT article is completely baseless correlation.  Also, Starbucks is regularly rated one of the best companies to work for at that income bracket.  Part-timers get reimbursements towards education, health benefits and retirement contributions - benefits that many companies don't even provide to their full-time staff.  What an absolutely bs submission.


Can confirm. Have kids. Am not rich. Live in NYC.   Everyone got caught up on the janitor thing. It was one client of mine and I was shocked when I found out what he made. Dont know if he was born into the job, he was towards the end of his career, had been a janitor for 30 years and probably worked some over time. He doesnt live in rent controlled housing, he probably makes too much to qualify though I dont know how that works. He actually owns a pretty nice house in a working class community.


"High liquidity doesn't necessarily mean that ""everybody is getting rid of the stock"", since somebody is obviously buying whatever stock that is being sold. Also, as mentioned, low liquidity may mean that you would have trouble selling the stock in the future."


"> Where is the EVIDENCE that they're 'just as bad'?  Give me 2 hours of their broadcast and some time to sit down with you and point out the things, and I can show you in person.  Unfortunately I haven't found any well written studies which do that, and creating one myself would require a bit more time investment than I'm willing to volunteer. I'm not especially interested in saving the world, it just seems fair to shout ""hey you guys they're making the sky fall"" from time to time. Those of us capable of recognizing the enemy should make a minimal effort at least to point that enemy out to everyone else."


Today SPY (The S&P ETF) trades at $128. The option to buy at $140 (this is a Jan '13 call) trades for $5.  I buy the call, for $500 as they trade in 100 lots.  The S&P skyrockets to 1500 and SPY to $150. The call trades for $11, as it still has a month or two before expiring, so I sell it, and get $1100. The S&P rose 17%, but I doubled my money. If it 'only' rose 9%, to less than $140, I'd lose my investment. No, I don't need to buy the SPY I can sell the call any time before expiration. In fact, most options are not exercised, they are sold between purchase and expiration date.


"Do you think that your bank has a separate vault for just your money?   Of course not. The bank just has one big pot of money that everything gets dumped into.   They know exactly how much money each person is supposed to have. The problem is when they add up all the money in the vault... well lets just say a lot of it is missing.   That's why they are supposed to have two vaults, one with the customer's money and one with the investor's money. But since all the account tracking is done internally it becomes real easy to ""borrow"" from one vault to fund the other.  Vault: MF Global's at another bank"


Immoral is a term just begging for pedantic bullshit; I prefer not to use it.  What is really shitty is how many people's time they're wasting between job applications, callbacks, interviews, etc - all for a job that wasn't seriously being offered in the first place.


"Genuinely curious - equal or better - does that mean that if two candidates (male and female) are ""objectively"" equal, you have to hire the woman?   I'm not saying that this case could ever actually come up, but the threat of having to defend your decision against a court case is probably enough to sway a lot of decisions."


I typically only purchase $10-$20 for each of our phones yearly as we do not use them very much.  The first year, I purchased $100 for each, but after that, any amount will continue service for a year and you keep/roll over any unused minutes.  Can't beat $$20-$60 per year for two phones...I just wish their coverage was much better in rural areas.  I wish Verizon offered the same deal as their coverage is superior in Ohio.


This is so fucking stupid. If Megabus had an issue with the joint venture, they should have filed their complaint back in 2008 when the board approved the creation of Boltbus. It's obvious that Megabus did not expect Boltbus to succeed in the first place; now that it has, it's throwing a bitch fit to shut down it's biggest competitor.   I'm never taking Megabus again. I'm going to tell everyone I know to neither support Megabus nor use their services. Even if they do manage to shut down Boltbus, I wouldn't take Megabus; I'd rather take a chinese bus or pay extra and take Amtrak.   tl;dr: Boycott Megabus.


"This is precisely the problem.  Economic contraction scared people.  So instead of continuing making promises, they started paying off the promises they had (for fear that something in the future would make it so they couldn't).  This resulted in increased economic contraction because it became more difficult to trade money for service (because people basically valued paying off debt more than the service).  The biggest issue is that neither position is wrong, yet they don't work well together.  People paying off debt is fine so long as there is sill money for services, and people paying for service is fine so long as they don't rack up more debt than they can pay.  Really, it's the transitions that always get us.  Further, these transitions are constantly repeated, which is why the economic data so often displays ""patterns""."


"Trading at the start of a session is by far higher than at any other time of the day. This is mostly due to markets incorporating news into the prices of stocks. In other words, there are a lot of factors that can affect a stock, 24 hours a day, but the market trades for only 6.5 hours a day. So, a lot of news accumulates during the time when people cannot trade on that news. Then when markets finally open, people are able to finally trade on that news, and there is a lot of ""price discovery"" going on between market participants. In the last minutes of trading, volumes increase as well. This can often be attributed to certain kinds of traders closing out their position before the end of the day. For example, if you don't want to take the risk a large price movement at the start of the next day affecting you, you would need to completely close your position."


I don't think you thought this through.  What ownership and profit motive will you assign to clean air/water, lead free paint/water/gasoline?  What will privatizing and creating profit motive in such public goods look like?  If private roads are so great, why didn't private institutions come up with the national highway system?  If all roads become private, at what point does the supposed benefit of privatization get overtaken by decrease in network effect that public roads provided?  Will you trust private security to enforce our laws?  How will you privatize the justice system?  In your view, what are the benefits of the profit motive behind private prisons?


Note that in the UK at least this scam - not so dissimilar from what you propose - seems be perfectly legal behaviour: Evidence to date is that both of you can expect to walk away without much consequence.


Had a guy, out in a store in Plymouth I was at, try to steal a case of crab legs.  Manager stops him in the vestibule, gets bitten.  Was about twice a month that we'd have people in the office waiting for the cops.  Nevermind how many times the bank there got robbed at gunpoint.  Affluent neighborhood too.


"Correct, but then you have to think of all the people that have to buy new transmissions, new engines, new suspension, etc.  Production of those also require manufacturing. I'm not saying holding on too a car is bad, but it's not a black and white ""running a car until it disintegrates is better"" situation. And why not get a Tesla and then run THAT into the ground? You don't have to buy it right away, but your next car could be a Tesla or other electric vehicle."


It's called inadequate testing. When your supply chain is all over the place instead of having a couple of known entities, it requires a more careful watch. Occam's razor says Chipotle is being negligent.  And their locations certainly aren't as clean as they used to be...  Chipotle is under a microscope now, of course, so we'll see even more things caught and reported that may have slipped under the radar if the media didn't think there was money in reporting it.


Which explains why my job as a high school English teacher did not sustain my family and I without part time jobs, summer jobs, and getting into some debt. My wife stayed at home with our three children for the first 11 years.   When I finally began a new year-round teaching job at a youth prison, we could finally own a nice home and decent car. But it was very difficult. We returned birthday presents and I worried a lot about making enough money for our family.  We did not have health insurance for the first seven years of our marriage because we wanted to be able to eat.


"People's value of money is not always linear.  Consider an individual with $1000 in the bank.  I'm going to look at amounts of debt by orders of magnitude: Now its pretty easy to see a order of magnitude increase in impact from $100 to $1000, and it becomes slightly worse for the $10,000 case due to debt.  However, one more order of magnitude, going to $100,000, and suddenly it becomes hard to argue that there's a mere ""order of magnitude more hurt"" than the $10,000 case.  From the cases I've read, those sorts of situations can be far far worse than the monetary cost could convey. Insurance companies are in a good position to absorb $100,000 of debt if something happens, far better position than the individual.  They rely on the central limit theorem: in general, they don't have to pay out all at once. The insurance companies have their limits too.  When hurricane Katrina came through, the insurance companies had a tremendously difficult time dealing with so many claims all at once.  Just like the individuals, they found a sudden change in how much value they had to put on their monetary debts!"


Staying in one place isn't consent. It's the equivalent as someone pointing a gun at you and saying that you consented to them shooting you because you didn't move.  Taxes are taken by force (directly or indirectly through the barrel of a gun).  Again, another false equivalence.


There is no reason that HFT in itself should be illegal. It provides a significant advantage to companies with access to those automated systems but then, we might as well eschew NASDAQ and go back to the manually traded days of NYSE or ban day trading in favor of long-term investing.  What is problematic is that they place and immediately cancel large number of orders for two reasons - to test the market and to slow down the competition.  A proposed ~~tax~~fee to charge for cancellation of non-executed trades seems like an interesting solution.


I'm paying 730/month for a 1,600 square foot, 3 bedroom house with an attached 2 car garage and quarter acre lot. And I own, not rent. So yeah, that still seems retarded expensive. Even the cheap and shitty places are way overpriced.  Also I would say some parts of Brooklyn are awesome and beautiful and the majority is pretty shit. It has come a long way in the last decade or so, but the majority of it is still not what I would call a nice place to live.


"I guess I should explain a little in detail since you really don't seems to understand why sometimes anecdotal evidences are not useful and why sometimes they are.   It has nothing to do with economy sub or not, but rather simplw logic. Anecdotal evidences can be useful to refute universal claims theories. For example, if anyone claims that ""all swans are white"", then all it takes is one anecdotal observation of one black swan is enough to disprove this theory. There is no need to bring additional statistcally significant evidence in order to prove ""Not all swans are white"". In fact this is how lot's of theories were disproved by contracting observation.  A lot of people keep hearing things about ""anecdotal"", but never truly understood why they are not significantly important in certain situations, thus making the mistake."


If you aren't a US National (citizen or Green Card holder or some other exception I know not of), you're an alien, no matter where else you may or may not be a citizen. If you don't meet the residency tests, you're nonresident.  Simple as that.


"Short answer: It depends :) It should generally be cheaper to get a loan directly from a bank, but often a mortgage broker can find you deals that you might not be able to get with a local bank.  If you are refinancing, the cheapest option of all is usually to go through the bank that holds your existing mortgage. As for how mortgage brokers make their money, there are two ways.  The first is on the ""front end"" through fees (origination fees especially) that go directly to them.  The second and less obvious is on the ""back end"".  This is where they make money by giving you a loan at a slightly higher rate than the lender was willing to give you.  So, let's say they find a lender that will give you a loan at 5.25%.  They offer that loan to you at 5.5% and pocket the extra .25% when the bank takes it over."