"Is a student loan a type of loan or just a generic name used to refer to a loan for someone who is going back to school? A student loan from the federal government is a specific type of loan used for education purposes (i.e. attending college). They have guidelines associated with them that are very flexible as compared to a student loan from a private bank.  If a student loan is a different type of loan, does it only cover the costs of going to the school? Every student at a university has a ""budget"" or the ""cost of attendance"". That includes direct and indirect costs. Direct costs are ones billed directly to you (i.e. tuition, room and board - should you choose to live on campus, and associated fees). Indirect costs are such things like books, travel expenses (if you live out of state), and personal things. Direct costs are controlled by the school. Indirect costs are estimated. The school will usually conduct market research to determine the costs for indirect items. Some students go above that, and some go below. For example, transportation is an indirect cost. A school could set that at $500. There are students who will be above that, and some below that. If you choose not to live on campus, then rent and food will become an indirect cost. Student loans can cover up to 100% of your budget (direct and indirect added together). If your total budget is $60,000 (tuition, room and board, transportation, books, supplies, etc.) Then you are able to borrow up to that amount ($60,000). However, because your budget is both direct and indirect costs, you will only be billed for your direct costs (tuition, etc.). So if your direct costs equal $50,000 and your student loan was certified for $60,000, then you will get that $10,000 back in the form of a refund from the school. That does not mean you don't have to pay it back - you still do. But that money is meant for indirect costs (i.e. books, rent - if you're not staying on campus, etc.). If your school is on semesters vs quarters, then that amount is divided between the terms. Summer term is not factored in, that's another process. Also with student loans, there are origination costs - the money associated with processing a loan.  A good rule of thumb is to never borrow more than you need.  Source: I used to work in financial aid at my college."


The cable companies are not stupid ALL the time. They realize that every time a household pulls the plug on cable service they will need to work extra hard to get them back. Once people establish a habit getting them to change again is hard (which is why streaming has only begun to take off recently). As such, though the cable companies continue to loudly proclaim that online TV is not costing them (and it may not be yet) each little drop in the bucket will add up over time until the ship is too hard to turn back around. Data limits on internet are just thier first attempt a curbing the mass exodus from cable that is currently underway. Let's not forget that even Hulu is owned by Universal and Netflix, being a publically traded company can be purchased if they make the cable companies REALLY nervous. This is a fight that the cable companies will eventually win unless some other disruptive force intervene's (enter the DoJ)


Many investment companies are also offering target retirement date portfolios to invest in.  They manage reducing the risk over time so you don't have to worry about it if you choose not to.


Oanda.com trades spot forex and something they call box options, it's not quite what you are looking for, but maybe worth looking up.


Brokerage firms must settle funds promptly, but there's no explicit definition for this in U.S. federal law. See for example, this article on settling trades in three days. Wikipedia also has a good write-up on T+3. It is common practice, however. It takes approximately three days for the funds to be available to me, in my Canadian brokerage account. That said, the software itself prevents me from using funds which are not available, and I'm rather surprised yours does not. You want to be careful not to be labelled a pattern day trader, if that is not your intention. Others can better fill you in on the consequences of this. I believe it will not apply to you unless you are using a margin account. All but certainly, the terms of service that you agreed to with this brokerage will specify the conditions under which they can lock you out of your account, and when they can charge interest. If they are selling your stock at times you have not authorised (via explicit instruction or via a stop-loss order), you should file a complaint with the S.E.C. and with sufficient documentation. You will need to ensure your cancel-stop-loss order actually went through, though, and the stock was sold anyway. It could simply be that it takes a full business day to cancel such an order.


I don't like your strategy.  Don't wait.  Open an investment account today with a low cost providers and put those funds into a low cost investment that represents as much of the market as you can find. I am going to start by assuming you are a really smart person.  With that assumption I am going to assume you can see details and trends and read into the lines.  As a computer programmer I am going to assume you are pretty task oriented, and that you look for optimal solutions. Now I am going to ask you to step back.  You are clearly very good at managing your money, but I believe you are over-thinking your opportunity. Reading your question, you need a starting place (and some managed expectations), so here is your plan: Now that you have a personal retirement account (IRA, Roth IRA, MyRA?) and perhaps a 401(k) (or equivalent) at work, you can start to select which investments go into that account.  I know that was your question, but things you said in your question made me wonder if you had all of that clear in your head. The key point here is don't wait.  You won't be able to time the market; certainly not consistently.  Get in NOW and stay in.  You adjust your investments based on your risk tolerance as you age, and you adjust your investments based on your wealth and needs.  But get in NOW.   Over the course of 40 years you are likely to be working, sometimes the market will be up, and sometimes the market will be down; but keep buying in.  Because every day you are in, you money can grow; and over 40 years the chances that you will grow substantially is pretty high.  No need to wait, start growing today. Things I didn't discuss but are important to you:


Consult your local Small Business Administration office - they may have resources that can help you find what you're looking for.


"Because its going to effect a lot of people's jobs but being able to work deals with those jobs on the table ""is essential to US business export interests"" </sarcasm> in the rapidly growing developing countries, which have a surplus of skilled workers who could do those jobs.   Without privatizing education, they could not put those hundreds of thousands of jobs into play.  the same thing goes for health care, (which Ive heard described repeatedly in terms like ""the one bright spot in an otherwise dismal economy"" - a dangerous situation because they mean exactly what it sounds like)   They could not be giving discounts to Americans or having public health care here. Its too important to the US insurance and drug industries that US trade ~~ideological~~ goals be maintained purely and consistently. </sarcasm>"


We know our bobbleheads are usually given as special gifts for important events. We will do everything to send it to you on time. Generally, it will take around 7 - 15 working days for us to process your order. We will pack your statue carefully and send it to you as soon as you confirm everything.


"This is the best tl;dr I could make, [original](http://www.reuters.com/article/us-usa-china-artificialintelligence-idUSKBN1942OX) reduced by 90%. (I'm a bot) ***** > WASHINGTON The United States appears poised to heighten scrutiny of Chinese investment in Silicon Valley to better shield sensitive technologies seen as vital to U.S. national security, current and former U.S. officials tell Reuters.  > AI&#039;S ROLE IN DRONE WARFARE. Concerns about Chinese inroads into advanced technology come as the U.S. military looks to incorporate elements of artificial intelligence and machine learning into its drone program.  > &quot;When the Chinese make an investment in an early stage company developing advanced technology, there is an opportunity cost to the U.S. since that company is potentially off-limits for purposes of working with,&quot; the report said.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6h3wj2/the_united_states_appears_poised_to_heighten/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~143518 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*: **technology**^#1 **us**^#2 **investment**^#3 **China**^#4 **Chinese**^#5"


[Some might say that these companies have too much power and influence, and are being used as political weapons.](https://wikileaks.org/google-is-not-what-it-seems/)  [These large companies and our government are also very intertwined in sometimes uncomfortable ways.](http://www.businessinsider.com/cia-600-million-deal-for-amazons-cloud-2013-3)  I do not come with an answer, because there really isn't one everyone will agree on. But, with human nature being so easily corrupted, I have my concerns time to time.


"Annual property tax and home insurance come to mind as things that are easily forgotten, but surely the biggest true, ""I didn't see that coming,"" is a major car repair. There are a number of things that can go wrong with a car with little warning and end up costing a thousand dollars or more.  Since most people are dependent upon their car for getting to work, doing anything but fixing or replacing the car is not an option.  If you fix it, that's an out of pocket expense that most aren't prepared for.  If the car has some age, you might be inclined to replace it, but doing so in a rush costs a lot more than taking your time in such a decision."


Our two rentals have yielded 8.5% over the past two years (averaged). That is net, after taxes, maintenance, management, vacancy, insurance, interest. I am only interested in cash flow - expenses / original investment. If you aren't achieving at least 4.5-5% net on your original investment you probably could invest elsewhere and earn a better return on a similar risk profile.


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It costs money to pull credit information, and there's a record of who requested the info. And hard pulls are only a temporary, short-term ding on your score. Basically, if someone wants to make trouble,  there are better ways to do so.


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Is this really a net effect of concentration of wealth? When so few people hold all the money, you need more money to keep the system running. Imagine we need 10 trillion to keep the economy running. If 1000 people hold 50%, you effectively need 5 trillion just to keep the economy running.  It is somewhat ironic that the last time we had full employment was basically the real estate bubble where tons of money was dumped into the system by liar loans with no credit check.  Not saying we want to go back there, but perhaps we need that level of money in the system to get full employment. If we want to get there safely, we need to buy back our debt, invest more in our infrastructure and provide more services. This is the only way we are going to get full employment


Might be able to replace, but at what price? There was a reason why people bought products from EU/US - it had the correct quality/price ratio. Now with the new imports you will either (1) lose on quality or (2) face an increase in pricing. Either way regular Russians are going to bear the brunt of it, not the oligarchs running the show. Say high to increased inflation, reduced GDP expectations and damaged international relations.


The bank depends on the laws of large numbers.  They don't need to make money on every customer -- just on average. There are several ways that zero interest makes sense to them: You asked about banks, and I don't think you see this last scheme in use very much by a bank.  Here's why.   First, customers absolutely hate it - and when you drop the interest bomb, they will warn their friends away, blow you up on social media, call the TV news consumer protectors, and never, ever, ever do business with you again.  Which defeats your efforts in customer acquisition.  Second, it only works on that narrow range of people who default just a little bit, i.e. who have an auto-pay malfunction.  If someone really defaults, not only will they not pay the punishment interest, they won't pay the principal either!  This only makes sense for secured loans like furniture or cars, where you can repo that stuff - with unsecured loans, you don't really have any power to force them to pay, short of burning their credit.  You can sue them, but you can't get blood from a stone.


I have had better experiences with accountants in smaller towns.  It seems they are used to working with small businesses and their reputation is very important to them.


I'm interning right now for the state and it gets boring but I like to ask around for work. I tend to be a multi-tasker and take on several projects at once to keep me sane. They even recruit me to work for other departments outside of mine. The more stuff I do, the better it looks on my resume even if this isn't what I want to do. It benefits all parties to take on more work and responsibilities. If it's engineering, just work your tail off where you are right now and apply for other positions for the school you're in. Network with professors and such to see if they can help you out or with your career service center to see if there are some positions in other places. Best thing you can do is always keep your feet moving. It keeps depression away and benefits you in the long run.


Got job at top 10 bank out of college.  First year as analyst I also got involved in college recruiting.  There were many discussions on what schools to recruit from.  Seemed to be a combo of best reputations, highest rankings, and schools some senior executives went too.  Our bank had dedicated recruitment at about 10 to 15 schools.  If you got into the analyst program outside of that it was through some connection.  If memory serves me, these were the colleges we recruited from.  Harvard Yale MIT Dartmouth Brown Cornell Princeton Columbia Duke Nyu Stanford Ucla Cal  Think nyu the easiest school that gets dedicated recruiters due to it's size and location.  My bank had more west coast and southern focus than other banks.  I believe northwestern and u of Chicago get recruited from banks with large Chicago offices.


"The solution I've come up with is to keep income in CAD, and Accounts Receivable in USD.  Every time I post an invoice it prompts for the exchange rate. I don't know if this is ""correct"" but it seems to be preserving all of the information about the transactions and it makes sense to me.  I'm a programmer, not an accountant though so I'd still appreciate an answer from someone more familiar with this topic."


There are good reasons to not go the cash route here (see Jay's answer). If one insists however, at 30 k€ anti-money laundering regulations have to be considered (and are not mentioned by the existing answers so far). Depositing amounts larger than 10 k€ will trigger questions about the source of the money to fight tax evasion and organized crime (splitting the amount may still trigger the process). So prepare good proof concerning the origin of that money and a paper trail that shows it is legal money and that it has been taxed already.  I.e. the latest Anti-Money Laundering Directive is supposed to be implemented by national laws, thus including Spain. The European Union Fourth Anti-Money Laundering Directive is the most sweeping AML legislation in Europe in several years. On 25 June 2015, the EU Fourth Directive was enacted, which replaces the previous Third Directive. With a two-year window for implementation, all EU member states must be compliant with the new mandates by 26 June 2017. Source


"I've heard that the bank may agree to a ""one time adjustment"" to lower the payments on Mortgage #2 because of paying a very large payment. Is this something that really happens? It's to the banks advantage to reduce the payments in that situation.  If they were willing to loan you money previously, they should still be willing.  If they keep the payments the same, then you'll pay off the loan faster.  Just playing with a spreadsheet, paying off a third of the mortgage amount would eliminate the back half of the payments or reduces payments by around two fifths (leaving off any escrow or insurance).   If you can afford the payments, I'd lean towards leaving them at the current level and paying off the loan early.  But you know your circumstances better than we do.   If you are underfunded elsewhere, shore things up.  Fully fund your 401k and IRA.  Fill out your emergency fund.  Buy that new appliance that you don't quite need yet but will soon.  If you are paying PMI, you should reduce the principal down to the point where you no longer have to do so.  That's usually more than 20% equity (or less than an 80% loan).   There is an argument for investing the remainder in securities (stocks and bonds).  If you itemize, you can deduct the interest on your mortgage.  And then you can deduct other things, like local and state taxes.  If you're getting a higher return from securities than you'd pay on the mortgage, it can be a good investment.  Five or ten years from now, when your interest drops closer to the itemization threshold, you can cash out and pay off more of the mortgage than you could now.   The problem is that this might not be the best time for that.  The Buffett Indicator is currently higher than it was before the 2007-9 market crash.  That suggests that stocks aren't the best place for a medium term investment right now.   I'd pay down the mortgage.  You know the return on that.  No matter what happens with the market, it will save you on interest.  I'd keep the payments where they are now unless they are straining your budget unduly.  Pay off your thirty year mortgage in fifteen years."


"It seems that they are also protesting because of Burger King are being ""unpatriotic"" to USA.    I feel that seems like a pretty silly idea to get behind in my opinion    but that is just my shallow laymen's observations so, oh well."


Except, restricting how the economy can be controlled is a slippery slope into financial control of the nation by outside interests.  The real issue is that every extreme becomes a problem, and trying to block every extreme is futile.  Controls should impede, but not completely stop, extremes.  The impedance method should return the force against it as support or growth for the nation.  Financial growth of any outside interest connected to the government or in this country should bring more and more wealth into the nation, while slowing the growth of the financial extremes, but never stopping it.  Special Interest groups need to return to the country a share of what they gain through their work with the government and our people.  Religious groups should return money and support of the lower class.  Women’s advocacy groups need to return value for their gains.  The NRA needs to return value for its gains.  The poorer populace should return work for the country in return for education, health care, housing, food, and wages.  Harder and smarter work, better progress through education, should be rewarded with better benefits and eventual financial “freedom” (there is no true freedom in a world of limited resources and competition, so the idea of “true freedom” is ridiculous).  We should, however, endeavor to give as much freedom as possible.  There should be an uncomfortable minimum below which a person may only fall if they refuse to work and get educated.


If you can generate a higher ROI by renting than by cashing out and investing, then you should rent it out. Please consider your risk tolerance as well. It's always a personal decision whether to assume higher risk for a higher return.


> Ever considered that I'm not even American? So basing my arguments on your constitution wouldn't make sense to me.  Okay, my bad.  My assumption was wrong.  But now you are left with no support to your claims about what a social contract can be.  > Capitalism is barter. You don't neither need government enforcement nor centralized currencies...  If that is true, how do you explain that capitalism didn't start until the 16th century, after private property and currencies were already established?  > Capitalism does not require maintenance...  I never said it did.  I said when someone can work because of government services it makes sense part of that person's income should go to maintain/improve those services.  > Are you seriously going to base your arguments on a game...  My argument was that a capitalist system without wealth redistribution is unstable.  Monopoly is a simple illustration as to why.  I consider my argument unchallenged if your only criticism is my choice of example.


Generally a diversified portfolio will give you a better overall return --a couple of factors that may address what you are looking at - 1) Correlation - The correlation between your two funds is still very high -- it's partially a function of how global economies are related and many companies are now multi-national.  It may help if you diversified into other types of products.   2) Diversification - Following up from before, you may want to also look into diversifying into some bonds, commodities, reits, etc.  They will have a much smaller correlation with a total domestic stock fund. 3) Returns - I'm not sure if by dominate you mean that it has better overall returns, but the point of diversification is to to get you the highest returns.  It's really the ability to limit the risk for the returns - this really translates to limiting the volatility.  This may mean that overall your max returns could be lower-- ie: maybe VTSAX  gives potential average returns between 3%-11%.  A diversified portfolio may give you potential average returns of 5%-9%.  A similar article debating the merits of 'smart beta ETFs' if you are curious. Hope that helps.


Just because target is ultimately to blame doesn't mean the behavior is ethical.  It is disappointing that so many think of ethics as anything they can get away with and avoid punishment.  That isn't ethics, that is weighing risks and rewards.


Learn how to do the job and don't be afraid to step in and help out. If you never do this people will assume you think you're too good to do the work they do and they won't respect you or your authority.   Being good at something gives you natural authority and people will seek you out for advice/direction.  Trust your employees to do their jobs until they prove otherwise. Management is a relationship and relationships are based on trust. If you want to be untrusted the very best way to go about it is to show you don't trust the other person. If you're not trusted then no one is going to follow your untrustworthy advice/direction.  Stay calm even when things are going terribly. Even if you're freaking out on the inside it's best to show a calm front. If you're constantly on edge it will amplify through your employees and a chaotic workplace is obviously less efficient overtime. If you lose your cool apologize sincerely.  Be positive. Always have something good to say about something and employees will more likely be able to stay positive. If you're negative all the time then again this is going to amplify through employees and if everyone is gossiping and complaining all day efficiency is going to go down.   Be assertive and explain why. Sometimes you can take input from employees and negotiate, but sometimes you just have to tell them what to do and it's important to include why because if you include the why people are much more likely to comply as well as to remember what you said.  All these things may not make you liked. If your goal is to be liked then quit because all bosses aren't liked by many employees. You will be more likely to be effective and at least respected.


"I think you misunderstand the purpose of the liability account.  I would suggest you review the standard accounting model, but to give you a brief overview: Income and expenses are money coming into and out of your possession.  They are the pipes flowing into and out of your ""box"".  Inside your box, you have assets (bank, savings, cash, etc) and liabilities (credit cards, unpaid debts, etc).  Money can flow into and out of either asset or liability accounts, for example: deposit a payment (income to asset), buy office supplies with cash (asset to expense), pay a bill with credit card (liability to expense), customer pays one of your debts directly (income to liability).  Paying off a debt with an asset does not affect your overall net worth, so paying a check to your credit card bill (asset to liability) doesn't decrease your total balance, it merely moves the value from one bucket to another. Now to your question: Mandatory payments, such as taxes or insurance (or for that matter, utilities, rent, food- all things that ""must"" be bought occasionally) are not liabilities, instead they are all expenses.  They might be paid FROM a liability account, if they are paid on credit for example, but the money still flows from liability to expense.  In my own records I have Expense:Taxes and Expense:Insurance, with sub-accounts in each.  Where the money comes from depends entirely on how I pay my bills, whether from cash or banks (asset) or whether it's a charge (liability).  Sometimes you receive payments back from an insurance company.  I find that rather than treating insurance premiums as a positive balance in a liability (with eventual payments as debits to the liability account), it is better to treat any payment from the insurance as income. Hope that helps!"


The people in this thread thinking that this won't happen soon are don't realize the extent to which we already entrust our lives to automated solutions. Go to a hospital and if you have a serious injury you'll be hooked up to machines that monitor your life and if they break you can die.  Already planes have been automated to the point that the pilot just sits there to give the illusion of comfort for the passengers (and can handle the few dangerous situations which the AI can't handle yet).  The military is investing in this technology in a major way, and once it reaches maturity the savings companies would make off of it would ensure that they'd get it to be legal. In the end, it would be better than a human pilot, because of its ability to network with all the other uavs in the air, its unwavering concentration and its faster reaction speed.  I can't wait for the day when I can get onto an automated plane, or an automated car (which I think will arrive first, they're already street legal in Vegas where Google is testing their car).


Good points. It's not a completely new shift, as some equities are behaving as one would historically expect: $LMT just missed earnings and investors are responding appropriately. So while overall things seem somewhat strange, there are still classic signs of behavior.


I'm very sorry to hear this. Did you ask the professional to put his advice in writing? At the very least, you can get him reprimanded or even have to make good on what his advice cost you.  Professionals like him give bloggers like me a bad rap.  In the end, a loss from sale of your home cannot offset any other gains. The gain from your home sale is often not taxable as up to $250k per person (for a couple) is excluded if you lived in the house for two of prior five years.  By the way, where, exactly, did you read this? 'Everywhere' is pretty broad. I've been around for some time and never saw this particular incorrect assertion before.


"Yes, they are.  Ridesharing is just a term for Unmarked taxi booked through app.      I have no issue with that, since ""Government regulated taxi"" is so awful in almost every city on earth, that ridesharing has improved safety and convenience."


Are you saying that you did not tell your employer, more specifically, your payroll department, that you got married, via a W4?  The W4 does not say '25%' bracket, but it asks for how many withholding allowances you plan to take. In effect, you are withholding at the single rate, but are married now. When you do your taxes for 2013, you'll see the full effect of what the W4 has on your withholding.  I suggest you use this time to update the W4, and not lend money to Uncle Sam.   Here's the current tax table from FairMark Publishing. 2013 gives a single a combined $10K in standard deduction and exemption, with a couple getting $20K. For a simple return, this is the info you need to figure out what you'll get back, and conversely, how much to pay next year.  e.g. a gross of $50,000 - for single the tax is on $40,000. $5929. For a couple, $30K taxable is a tax of $3608.  On a side note - I strongly recommend Roth accounts when in the 15% bracket and shift to Pre-Tax accounts as you get into the 25% bracket.


There's no easy answer, and you're asking others to do all of your research. Read up on utilities in North-West Europe and figure out their energy fuel mix. If 1 of the Company's 2 nuclear reactors went offline, they'd have to make up for the energy they've promised through another fuel source, or purchase the power from a different utility co. You'll have to research their fuel mix, back up power generation, PPA's, Hedging strategy & position, and so on.   Otherwise, if you think a large portion of nuclear will go offline, what's the next largest source of power for those companies? Coal? Natural Gas? Oil? Go Long the backup fuel.


"I am a female that works for a photo studio in berlin. I work ""part time"" (as in, I started at four hours per day and now I can work up to 8 if there is enough work). I make 8 euro per hour (not a lot but I don't speak fluent German and I scan photos), I have health insurance, I have sick and vacation time (24 days).  I am married to a German with a full time job so, of course, I have it better. However, if we didn't make enough money you can go and apply to get help from the government. My husband said they would give him at least 300euro per month.  Trick is that since I am a US citizen and looking for a permanent visa in three years they check to make sure you haven't gotten any government aid. They don't want to support more people that can't or don't want to work.  That being said my mother-in-law cannot work due to medical reasons and she lives very comfortably in a good apartment.  Our last apartment was a studio/one room apartment and we paid 230 euro per month. Even making the money I do without my husband I could afford the basics.  Even now we pay 57 euro for electricity. About 20 euro a month for our phones. 20 euro a month for internet.  It is way less expensive than the USA. My mom pays about $90 per month (my aunt sometimes has $1,000 electricity bills). Water is another $30. Cellphone another $60, cable and internet another $120.   I would say that living in the USA is far more expensive.  Edit: to put it very simply. I used to make on my own in the USA about what my husband and I both make, combined, in Germany. In the USA I could barely make ends meet. I lived with my mom and sister. Paid as little rent as I could, barely had enough for food. I had a good job! I was lucky to have health insurance but it was still really expensive to go to the doctor.  Here, in berlin, we have a large apartment in a nice neighborhood. With paying rent and all of our must haves every month we have over 500 euro left. That is pretty good. In the USA I was lucky if I had $20 by the end of the pay period."


Not necessarily. You can set any rules that you like, and you can get capital from other sources. In our company's case, you have to work there for a year before you are eligible to join the co-op. The buy in is given as an interest free loan taken through payroll deduction. We don't get to share the profits generated by the labor of people who are not members of the company. Those stay as retained earnings. We can take on loans as well as outside investment as long as the outside investors aren't given voting rights (via restricted preferred stock).


It would be hard to say everything is overvalued when value is relative between any two items or services.  Most large corporate entities will hedge their positions, so even if a subset of securities or commodities moves negatively they preserve their value.    Most of the people that promote these types of ideas are selling something that has an inverse correlation with the market, so they hope to get others to buy in and drive up prices for them so they can cash out.  Or they are doomsday-conspiracy types.


Agreed. I had a relatively fresh (five years old) Chap. 7 bankruptcy on my record when a potential employer ran a credit check prior to employment.   When I signed the form OKing the check, I told them what they'd find and said I was happy to explain it. I wrote a letter, they put it on file for the insurer (I needed to be bonded for this job -- I was co-signing six-figure checks) and it was fine.


> (mostly ivy leaguers on Wall Street, they've worked their asses off for these jobs).  I spent 6 years in the military and government, 2 of them in Iraq. Getting my job in banking was more difficult and more challenging than anything I had ever done up until that point in my life.


Yes, that is correct. There is no limit.  An initial public offering of common stock by a company means that these shares remain outstanding for as long as the company wishes. The exceptions are through corporate actions, most commonly either


">""The haranguing had zero effect,"" Sunstein told The New York Times, referring to the year-long lobbying blitz by the for-profit college industry, which fought a relentless campaign to stave off consumer protection regulations and maintain access to billions of dollars in federal subsidies.  Every time I read something like that I imagine the scene in Shawshank Redemption where the warden is given a pie with a bunch of cash in the box and realizes immediately that his guys can't possibly do the job that the briber was bidding on."


"Most people cannot use pgp/gpg and setting it up would, in order to do that correctly, require voice fingerprint verification. Don't. Just write a word doc and either encrypt it when saving using the ""save as"" function or encrypt it using zip and email that to them. Then call them and tell them the password. Done."


"they make their money by serving weight loss ads and selling virtual coins so people can ""win"" at farmville. their business model is virtually absolutely dependent on the grace and prosperity of Facebook. its a bubble, and it shouldn't surprise anyone.  the fact that society considers what zynga does as valuable is almost in and of itself an argument that modern capitalism is rotten. i don't consider them industrialists, this overvalued IPO is a scam based on a fad supporting lowest common denominator advertising."


This is exactly what it is, those rich suburanites live too far out of their current footprint for timely delivery service. Not anymore.   For example, in Georgia there are 5 Whole Foods in some of the most affluent neighborhoods in Metro Atlanta that Amazon Fresh currently does not service.


1500 what? Items purchased at a supermarket? Assuming I purchase 50 items during a serious visit (a pretty low estimate) 1500 data points only represents 30 visits. If I go to the supermarket once a week, that's not even a year's worth of data.  How about websites? According to [this guy](http://kickstand.typepad.com/metamuse/2007/10/how-many-web-pa.html) an average internet user initiates between 120-140 unique pageviews per day. taking the low estimate, 1500 data paints doesn't even represent two weeks of data (12.5 days).  1500 data points is NOTHING when you're trying to predict consumer behavior.


I hope they can keep it, but that goes also together with all other freedoms, which all xenophobic UKers don't seem to be ok with. And they should pay some serious cash, which might not seem acceptable at the time of the negotiations.


Military members are duties in the rural area and they can offer to live the rural area in the off-base houses. They are so expensive. But all the Military Housing Rental charges are not equal. In the rural area, there is a lot of peace and prosperity or financial battles.


Congrats on saving aggressively when you're young. I'm not a huge fan of tax-advantaged accounts because the rules can change on them, and there's already a penalty for you to take out that money for most purposes until you've almost tripled your age. Free money (a match) overcomes this reservation for me, but I'm not contributing anything beyond that.  I'm paying my taxes on the rest and am done with them. Watching your money grow tax-free for another 37 1/2 years only to see your (and everyone else's) marginal tax rate rise isn't much fun.  I'm not saying that will happen, but it certainly could.


I will never forget a Best Buy sales person telling me I NEED gold tipped hdmi cables that cost $100+ or I'm not getting the most out of my TV.  Fuck you Best Buy. You will never earn my trust back.


"You can place the orders like you suggested.  This would be useful in a market that is moving quickly where you want to be reasonably sure of execution but don't want the full exposure of a market order.  This won't jump your spot in the queue though in the sense that you won't get ahead of other orders that are ""ready"" for execution just because you have crossed the spread aggressively."


The salary of a coal miner with a couple years of experience is $29/hour.  After a couple years at Arby's a good worker might make shift supervisor at $10/hr.  Thousands of products are made from coal including pharmaceuticals, soap, dyes, solvents, plastics, nylon, and carbon fibers.  Miners would still be needed even if coal wasn't used for energy.  Fast food workers could disappear tomorrow and we'd just be healthier.


While it is often true that loyalty is not rewarded with a pay increase, jumping jobs too often can prematurely inflate your pay. I have seen people fresh out of school have 3 different jobs in 5 years, each one with a nice pay increase. Then suddenly, the company needs to trim some fat, hey look at this person with average output but slightly higher than average pay who has only been here a year. Looks like the best choice to cut.


> Back to following me from sub to sub I see....  Sorry - I've been in /r/economy much longer than you and as /u/bashyourscript pointed out, your history if these kind of posts is well established. If you don't want to be called out on woo woo posts, then don't make them.


In addition to a fee-only advisor, brought up by dg99, you could consider asking your questions on message boards such as Bogleheads.org. I have found the advice amazing, obviously conflict-free, and free.


If you are going to be buying a house in 1-2 years, I would be putting my money into a short term holding area like a high interest (which isn't that high right now) or a CD (also low interest) because of your near-term need.  I wouldn't use the Roth option for your down payment money. If you invest in something volatile (and stocks/mutual funds are very volatile in a 1-2 year term) I would consider it too risky for your need and time frame.


Apoorva apparently doesn't like competitive according to my friends text, so I asked him if that means Instacart is being purchased as well. Makes sense, why compete when you can just get acquired or go acquiring other businesses


1. People love free and don't hate ads all that much.  2. There are plenty of sites that have a donate or subscribe button in lieu of advertising.  But it only really works where the fan base is passionate.


The basic fundamental flaw in our reasoning is this:  The Afghan will always see us as an invader and they fucking hate us, through and through. If we can get this through our head we will understand why after we train them and arm them, they still shoot us.  Trying to bring India into Afghanistan, is simply ideologically idiotic, the Taliban will never give into Hindu Idol worshipers no matter what, Muslims count their pedigree from the Arab conquerors who destroyed Hindu temples and Idols, not look at them as benevolent saviors and India's Israeli connection is simply a no go with the neighbors, no matter how much sun shine we blow up India's ass.  Yeah and did I mention the main thing  They fucking Hate us


"You seem to be assuming that ETFs must all work like the more traditional closed-end funds, where the market price per share tends—based on supply and demand—to significantly deviate from the underlying net asset value per share. The assumption is simplistic. What are traditionally referred to as closed-end funds (CEFs), where unit creation and redemption are very tightly controlled, have been around for a long time, and yes, they do often trade at a premium or discount to NAV because the quantity is inflexible. Yet, what is generally meant when the label ""ETF"" is used (despite CEFs also being both ""exchange-traded"" and ""funds"") are those securities which are not just exchange-traded, and funds, but also typically have two specific characteristics: (a) that they are based on some published index, and (b) that a mechanism exists for shares to be created or redeemed by large market participants. These characteristics facilitate efficient pricing through arbitrage. Essentially, when large market participants notice the price of an ETF diverging from the value of the shares held by the fund, new units of the ETF can get created or redeemed in bulk. The divergence quickly narrows as these participants buy or sell ETF units to capture the difference. So, the persistent premium (sometimes dear) or discount (sometimes deep) one can easily witness in the CEF universe tend not to occur with the typical ETF. Much of the time, prices for ETFs will tend to be very close to their net asset value. However, it isn't always the case, so proceed with some caution anyway. Both CEF and ETF providers generally publish information about their funds online. You will want to find out what is the underlying Net Asset Value (NAV) per share, and then you can determine if the market price trades at a premium or a discount to NAV. Assuming little difference in an ETF's price vs. its NAV, the more interesting question to ask about an ETF then becomes whether the NAV itself is a bargain, or not. That means you'll need to be more concerned with what stocks are in the index the fund tracks, and whether those stocks are a bargain, or not, at their current prices. i.e. The ETF is a basket, so look at each thing in the basket. Of course, most people buy ETFs because they don't want to do this kind of analysis and are happy with market average returns. Even so, sector-based ETFs are often used by traders to buy (or sell) entire sectors that may be undervalued (or overvalued)."


US currency doesn't expire, it is always legal tender.  I can see some trouble if you tried to spend a $10,000 bill (you'd be foolish to do so, since they are worth considerably more). Maybe some stores raise eyebrows at old-style $100's (many stores don't take $100 bills at all), but you could swap them for new style at a bank if having trouble with a particular store. Old-series currency can be an issue when trying to exchange US bills in other countries, just because it doesn't expire here, doesn't mean you can't run into issues elsewhere. Other countries have different policies, for example, over the last year the UK phased in a new five pound note, and as of last month (5/5/2017) the old fiver is no longer considered legal tender (can still swap out old fivers at the bank for now at least).  Edit: I mistook which currency you took where, and focused on US currency instead of Canadian, but it looks like it's the same story there.


I cannot imagine an organizer being worth enough to consider depreciating the expense over a period of time greater than one year. Also, once you write in an organizer, it's pretty much worthless to anyone else. Talk to your accountant if you'd like, but I cannot see how you would classify a fancy organizer as a fixed asset.


I had an internship and they hired me afterwards. Honestly sounded like a good way to break in. I also learned a whole new language for the internship and wanted to continue using it instead of any of the languages taught in school.  Not sure if the company would be considered good or bad. I ended up being solo for a long time but also building three applications ground up. I felt like I was improving a lot, especially on projects they gave me lots of leeway on because they were low priority (they just wanted features, no emergency bug tickets, etc). But no peers for most of my work and all the software was privately made and privately licensed/sold.  I also had difficulties leaving because I'm an idiot. With no backup me leaving basically meant they would be fucked, and they were my only reference. I was fine taking that salary because I had zero experience (no job. Ever. Not even volunteering. My mother wouldn't let me because of snobbiness), however once I was more valuable to this company and they even praised me for it in the assessments -- they gave out 2% raises. Later my bonuses decreased as my hours and responsibilities increased, too.  I asked to be taken off the stressful project, thinking I could salvage this, and they hired a replacement for me to train 3 months later. I got the high leeway project again for 6 months and my job satisfaction was phenomenal by comparison so i stayed. However, then my replacement was fired... So they asked me as a favour to work on the stressful project again and said they would replace me in a month and a half. They didn't. I worked on it for 8 months, I kept asking about it too. Their job posting was also terrible and they roped me in on it  at the end and I gained the responsibility of recruiting and vetting (yay for that one actually...). We hired another replacement for me, I trained them too, and left immediately.  Actually I regret staying there as long as I did. They gaslit me and I shouldn't have tried to make up for their incompetence. They actually made me a contractor at the end so I was getting paid half of what I originally was. Before I left I asked for a competitive raise and the company owner basically lied about details and tried to tell me what a fuss I was trying to talk about my happiness and what I want once a year... It was surreal but they agreed to bump my pay in the end. However, I was furious by their treatment and reply (which BTW came after I 'suddenly did not show up' despite bolding and clearly stating I would cease work with them and informing the people I worked with on the last day that I heard nothing back from the owner about a new/extended contract), so I said no.  I don't know how to negotiate. I am too humble. Selling oneself or seeing someone sell themselves makes me physically uncomfortable. It is completely unnatural, and sets off my bullshit alarms. Actually I seem to have some PTSD from that job, now, too...


"Almost all companies in the US have changed from formal pension programs to 401k plans, and most companies that still have pension programs don't allow new employees to  enroll in the new program; only the previous participants who are vested in the pension plan will get benefits while new employees get enrolled in the 401k plan. If this is the case with  your prospective employer, then demanding that you be allowed to enroll in the pension plan is likely to be futile; in fact, the likely response may well be ""Here is our offer. Take it or leave it"" or ""We are withdrawing  the offer we made"" especially if you are in a field where there are plenty of other people who could do the job instead of you. So be sure that you understand what your worth is to the company and how much leverage you have before starting to make counter-offers. With regard to money that you might have vested in your current employer's pension plan, your options are to leave it there until you retire and start getting a pension (generally not advisable in these parlous times when the company might not even exist by then), roll it over into an IRA or into your new employer's 401k plan. This last is the only matter that concerns your prospective employer and where you might need to ask; the new employer's 401k plan might not be structured to accept rollovers. If the money in your current employer's retirement plan is in a pension plan, what is paid out for rolling over might be different (and smaller) than what has been credited to you thus far. For example, my (State Government) pension plan credited 8% interest per annum on the amounts I contributed but this was fake money because had I resigned and withdrawn the pension contributions (for the purpose of rolling over into an IRA or even just taking it as cash), I would have received only my contributions plus only 4.5% interest per annum. The 8% interest credited is available only for the purpose of the purchase of an immediate annuity upon retirement; it is not something that is portable to a new plan, and if I want a lump-sum payout upon retirement instead of a pension in the form of an annuity, it would be the 4.5% rate again..."


"I meant ""we"" in terms of the US Treasury, which currently owes over 100% of GDP. And that's cooking the debt numbers down using cash accounting and cooking the GDP up by lying about inflation, among other things.  Plenty of people are doing better than ever, particularly those who have their hands in the cheap money thrown around by the Fed."


The only drawback is if you spend more than you can with the new limit and end up having to pay interest if you can't pay the balance in full. Other than that, there are no drawbacks to getting a credit increase.  On the flip side, it's actually good for you. It shows that the banks trust you with more credit, and it also decreases your credit utilization ratio (assuming you spend the same).


In addition to what quid said, I think your risk tolerance should depend on how likely you are to need the funds in the near future. Say that you have $100k saved up and you want to decide how to invest it. Then you should ask yourself: The idea here is that if you invest say in stocks (high risk) then the value of your position could drop significantly and you'd potentially have to wait for a long time before it recovers. If you are forced to sell you could make a substantial loss. If you don't urgently need this cash, however, then you can feel relaxed and just wait for the market to reverse again. This is viewing risk through the lens of how likely it is that you'll have to wait a long time to get a substantial amount of your money back, which itself is a function of how likely it is for a substantial downturn to occur in a certain market.


>Yes, but at the root of it is the consumer. Complaining that these trusted sources are not adhering to principles of journalistic integrity while they are desperately trying to survive, thrive and adapt to a completely shifting paradigm where competition is lowering the bar and the same consumers are unwilling to step up and reward journalistic integrity - this is what happens. Essentially we get what we pay for.   Absolutely, but the difference is that western media now resembles grocery store gossip magazines more than journalism.   > >We can lay blame on the media organizations as much as we care to, but the reality is we’ve reached a point where most people like to be given talking points and sound bites that vindicate their point of view rather than actually try to obtain facts and form their own opinions. The truth is rarely accessibly in the bite-size pieces our society today craves.  That's well and good but they're trading on the credibility of yesteryear and selling us clickbait.   Many people still trust these outlets but more are rejecting them. Social media accelerates agenda and de-emphasizes truth.   > >Trust in the media is at an all time low for no other reason than we allowed it to happen and rewarded the media for going down that path. We’ve created a system that does not reward what we say we want from media, rather rewards the actions that show we want the complete opposite.   We are customers. We didn't allow it to happen so much as companies evolved in that direction.   The government also repealed fairness and anti propaganda legislation so that has contributed as well.   > >If I may inquire, how many people reading this pay any premium for good journalism? I will be the first to sadly admit I do not.  How many people take media outlets with disabled comments and archival seriously?   > >Obviously this means I am also part of the problem despite making an effort to look at news from all sides - I am just a guilty as most to reinforcing the same system that has destroyed journalistic integrity.   You're more moderate than most, at least you're questioning and examining your perspective, your reasons for belief and a willingness to change.


Are there any documented cases of OneWest foreclosing on people that were current on their mortgage payments?  If not, this seems like much ado about nothing.  If you're a deadbeat and don't pay your mortgage, the lender has every right to take your house.


Okay, if you pay me money, and then i send it back to you, that's not the same thing as you paying no money and me sending you money. The state is not out any money it wouldnt have if the factory wasnt there. To rephrase, the state has just as much money as if the factory was not there, except they will get additional tax revenue in the future and get more jobs for citizens.


Alright my dude, I looked over it.  Not sure what the ls&s project proposal is (so, it's hard to sanity check your numbers - you also don't include a growth percentage in those operations, so I assume that is correct or under contract), and I have no idea if the 250k / year is reasonable for library materials on the ls&s, but I would totally expect the internal service charges to vary - would you expect either model to effect them more, why or why not, and provide a model for potentials?  Also, you have some English I would recommend you clean up before sharing. Good luck!


"One alternative strategy you may want to consider is writing covered calls on the stock you have ""just sitting there"".  This will allow you to earn a return (the premium from the calls) without necessarily having to give up your holding. As a brief overview, ""options"" are derivatives that give the holder the right (or option) to buy or sell shares at a specified price.  Holders of call options with a strike prike $x on a particular security have the right to purchase that security at the strike price $x.  Conversely, holders of put options with a strike price of $x have the right to sell that security at the strike price $x.  Always on the other side of a call or put option is a person that has sold the option, which is called ""writing"" the option.  If this person writes a call option, then he will be obligated to sell a certain amount of stock (100 shares per contract) at the strike price if that option is exercised.  A writer of a put option will be obligated to by 100 shares per contract at the strike price if that option is exercised. Covered calls involve writing call contracts on stock that you own.  For example, say you own 100 shares of AAPL, and that AAPL is currently trading for $330.  You decide to write a Jan 21, 2012 call on these shares at a strike price of $340, earning you a premium of say $300. Two things can now happen: if the price of AAPL is not at least $340 on January 21, then the options are ""out of the money"" and will expire unexercised (why exercise an option to buy at $340 when you can buy at the currently cheaper market price?).  You keep your AAPL stock plus the $300 premium you earn.  If, however, the price of AAPL is greater than $340, the option will be exercised and you will now be required to sell the shares you own at $340.  You will earn a return of $10/share ($340-$330), plus the $300 premium from the call option.  You still make out in the end, but have unfortunately incurred an opportunity cost, as had you not written the call option you would have been able to sell at the market price, which is higher than the $340 strike price. Covered calls are considered relatively safe and conservative, however the strategy is most effective for stocks that are expected to stay within a relatively narrow price range for the duration of the contract.  They do provide one option of earning additional money on stocks you are currently holding, albeit at the risk of giving up some returns if the stock price rises above the strike price."


They're understaffed. There's one lady who works in the office and lives onsite. She's the right lady for the job because she is on top of absolutely everything, but she's way overworked. So the company above her probably justifies it that they're not putting in any extra payroll, just overworking the poor lady.


"For starters, if you're not making any money doing something, it's a hobby. It sounds like you want to work for the current owners making THEM money as a hobby. If that floats your boat, go crazy.   Show enough motivation and they may offer to ""sell"" you the business for $1, or some other surprisingly low dollar figure. This will seem like a gift worth dropping out of school for, but be extremely careful before getting excited.   Odds are when you take over the business, you end up assuming their debts too. Mortgages, rent payments, back payroll, equipment loans/leases, and possibly any back/late payments from before your takeover.    Use your first few weeks as an academic study ""for a school project"". Get a copy of their books, find out where the consistent money is and see how to grow that. They may be selling games at a loss because their crowd consistently buys enough beer to cover expenses. Or maybe the money from that stupid crane game covers the electric bill for the whole place because Bill has a problem.   Learn, study, and ask more for information as payment than cash. The only way it make real money is to actually take over ownership of the place, so take the long view and build toward that instead of a salaried manager gig or something."


Edit:  I'm going to restate my original point without calling attention to charity being considered squandering because I feel it takes away from what I was trying to say.    I wanted to leave this here though, because I think the statistics that show wealth is squandered by the third generation include people who chose to give their fortune away.   It's also worth noting that for future generations to maintain a fortune, there needs to be an unbroken chain of people who decided *not* to give it away.


I like when I get told about something last minute, scamper like mad to get it done ASAP, and then get yelled at for holding things up.  I threaten to hold them to our review cycle process which calls for 4-7 business days.


"No.  And furthermore, canceling based on insider information is not considered insider trading. SEC Interpretation from October of 2000: (a) Does the act of terminating a plan while aware of material nonpublic information result in liability under Section 10(b) and Rule 10b-5? No. Section 10(b) and Rule 10b-5 apply ""in connection with the purchase or sale of any security."" Thus, a purchase or sale of a security must be present for liability to attach. See Blue Chip Stamps v. Manor Drug Stores, 421 U.S. 723 (1975). [link mine] A 10b5-2 is a rule in the SEC's section in federal law that governs trading on ""material nonpublic information."" Fried (2002) even concluded that: The SEC's safe harbour permitting insiders to buy or sell shares pursuant to prearranged trading plans while in possession of material nonpublic information and to cancel the plans while aware of material nonpublic information enables insiders to profit from their access to such information.  The SEC could easily eliminate insider's advantages over public shareholders by not allowing insiders to cancel their plans after becoming aware of material nonpublic information."


Semm Co is one of the leading chocolate machine distributors in China. Chocolate melting machine melts the chocolate using either the microwave oven or a double boiler. You will not want this kind of chocolate as it will clog and damage the machine. Measure just the right amount of chocolate and melt it according to package instructions so you will have a smooth consistency each time. A perfectly melted chocolate will have the best liquid curtain without any clumps.


No you won't. Germany taxes income, not bank accounts. Note that this changes immediately when your bank account makes interest - you will owe taxes on this interest. However, chances are you won't get a bank account. Without residency or income, typically the banks wouldn't give you an account. Feel free to try, though.


"Actually, this quote is bogus. It is from a book (Web of Debt by Ellen Brown). Even Brown herself now acknowledges this fact: Chapter 7, #20 at http://webofdebt.wordpress.com/questions-and-answers/response-to-gary-north/response-to-gary-north-2/  From Brown: ""A bogus quote from Garfield on the control over money. I was already alerted to that. Garfield is no longer mentioned in my book."""


"Generally, ETFs work on the basis that there exists a pair of values that can be taken at any moment in time: A Net Asset Value of each share in the fund and a trading market price of each share in the fund.  It may help to picture these in baskets of about 50,000 shares for the creation/redemption process. If the NAV is greater than the market price, then arbitrageurs will buy up shares at the market price and do an ""in-kind"" transaction that will be worth the NAV value that the arbitrageurs could turn around and sell for an immediate profit. If the market price is greater than the NAV, then the arbitrageurs will buy up the underlying securities that can be exchanged ""in-kind"" for shares in the fund that can then be sold on the market for an immediate profit. What is the ETF Creation/Redemption Mechanism? would be a source on this though I imagine there are others. Now, in the case of VXX, there is something to be said for how much trading is being done and what impact this can have. From a July 8, 2013 Yahoo Finance article: At big option trade in the iPath S&P 500 VIX Short-Term Futures Note   is looking for another jump in volatility.  More than 250,000 VXX options have already traded, twice its daily   average over the last month. optionMONSTER systems show that a trader   bought 13,298 August 26 calls for the ask price of $0.24 in volume   that was 6 times the strike's previous open interest, clearly   indicating new activity. Now the total returns of the ETF are a combination of changes in share price plus what happens with the distributions which could be held as cash or reinvested to purchase more shares."


Well there is certainly a debate to be had about the effect of unions, free riders, and laws forcing unions to cover nonmembers.   But the question at hand is a legal one. Can the employee be forced to pay dues to a union as a condition of employment?


"First piece of advice: fire your agent.   A pushy agent is a bad agent.  From what you've told us, he's actually given you poor advice regarding mortgage interest rates.  Rates are already at historic lows.  That and the precarious state of the world economy mean that further rate cuts are more likely in the near term. Second piece of advice: While more information on the real estate market you're in would help,  going in at asking price is rarely a good idea.   Sale prices from ""the last few years"" are not relevant to what you should pay, because the last few years include a financial crisis caused in large part by the bursting of a housing bubble.  They could be even less relevant depending on your location because of a spike in foreclosures in certain areas of the U.S.  There was already a ton of housing inventory before, so an increase due to foreclosures is going to depress prices further.  Now that banks are finally practicing the due diligence they should have been all along, your ability to be pre-approved for large mortgage amount puts you in a strong position.   Use a tool like Zillow or Redfin to see what properties in that area have sold for over the past six months.  You should also be able to see a history of what prices the particular property you're interested in has been offered and/or sold at in the past.  Also check and see how long the particular property you're interested in has been on the market.  If it's been on the market more than 60-90 days, it's priced too high."


This is what they're talking about. (Edit, sorry. Yeah, that's an anti cancer treatment, nasty side effects too)  ALEMTUZUMAB or MabCampath (Sanofi-Aventis) Prescription only medicine.  Anti-lymphocyte monoclonal antibody.  Concentrate for intravenous infusion, alemtuzumab 30 mg/mL, net price 1-mL vial = £264.11  Indications see notes below  Cautions see notes below—for full details consult product literature  Contra-indications for full details consult product literature  Pregnancy avoid; use effective contraception during and for 6 months after treatment in men or women  Breast-feeding avoid breast-feeding during treatment and for at least 4 weeks after administration  Side-effects see notes below—for full details (including monitoring and management of side-effects) consult product literature  Dose Consult product literature    Rituximab causes lysis of B lymphocytes. It is licensed for the treatment of chemotherapy-resistant or relapsed stage III–IV follicular non-Hodgkin's lymphoma and, in combination with other chemotherapy, for previously untreated stage III–IV follicular lymphoma, and for previously untreated or relapsed chronic lymphocytic leukaemia (see NICE guidance below). Rituximab is also licensed for maintenance therapy in patients with follicular non-Hodgkin's lymphoma that has responded to induction therapy (see NICE guidance below). It is also licensed for use in combination with other chemotherapy for the treatment of diffuse large B-cell non-Hodgkin's lymphoma (see NICE guidance below). Full resuscitation facilities should be at hand and as with other cytotoxics, treatment should be undertaken under the close supervision of a specialist. See section 10.1.3 for the role of rituximab in rheumatoid arthritis.  Rituximab should be used with caution in patients receiving cardiotoxic chemotherapy or with a history of cardiovascular disease because exacerbation of angina, arrhythmia, and heart failure have been reported. Transient hypotension occurs frequently during infusion and antihypertensives may need to be withheld for 12 hours before infusion. Progressive multifocal leucoencephalopathy (which is usually fatal or causes severe disability) has been reported in association with rituximab; patients should be monitored for cognitive, neurological, or psychiatric signs and symptoms. If progressive multifocal leucoencephalopathy is suspected, suspend treatment until it has been excluded.  Infusion-related side-effects (including cytokine release syndrome) are reported commonly with anti-lymphocyte monoclonal antibodies and occur predominantly during the first infusion; they include fever and chills, nausea and vomiting, allergic reactions (such as rash, pruritus, angioedema, bronchospasm and dyspnoea), flushing and tumour pain. Patients should be given paracetamol and an antihistamine before each dose of anti-lymphocyte monoclonal antibodies to reduce these effects. Premedication with a corticosteroid should also be considered. The infusion may have to be stopped temporarily and the infusion-related effects treated—consult product literature for appropriate management. Evidence of pulmonary infiltration and features of tumour lysis syndrome should be sought if infusion-related effects occur.  Fatalities following severe cytokine release syndrome (characterised by severe dyspnoea) and associated with features of tumour lysis syndrome have occurred after infusions of anti-lymphocyte monoclonal antibodies. Patients with a high tumour burden as well as those with pulmonary insufficiency or infiltration are at increased risk and should be monitored very closely (and a slower rate of infusion considered).


facebook game craze wanes? this had everything to do with the california online poker bill that zynga had been betting on so hard.  weird how it fell off a cliff starting monday and news on the bill came through mid day today....  ah yes, it must have just been the analyst downgrade though, nothing to see here


As mhoran_psprep and others have already said, it sounds like the sale is concluded and your son has no obligation to return the car or pay a dime more. The only case in which your son should consider returning the car is if it works in his favor--for example, if he is able to secure a similar bargain on a different car and the current dealer buys the current car back from your son at a loss. If the dealer wants to buy the car back, your son should first get them to agree to cover any fees already incurred by your son. After that, he should negotiate that the dealer split the remaining difference with him. Suppose the dealership gave a $3000 discount, and your son paid $1000 in title transfer, registration, and any other fees such as a cashier's check or tax, if applicable. The remaining difference is $2000. Your son should get half that.  In this scenario, the dealer only loses half as much money, and your son gains $1000 for his trouble.


ML is a brokerage firm. Tell them to sell. If you can't or don't know how to do it on-line - call them and do it over the phone. Your citizenship might come in effect when tax are withheld, you need to fill form W8-BEN if you haven't done so yet. If US taxes are withheld, you can file 1040NR to request refund, or get it credited against your local tax liabilities.


Short answer: yes, you can put up collateral for someone else's loan. The bank will be happy to take your money, give it to the other person, and return it to you on completion of the loan (keeping the interest the security makes on the money market and the interest they're charging the other person for themselves). If the above doesn't sound very appealing (you don't see any benefit from your investment, and can be left holding the bag if your friend defaults on their loan), it really isn't a great way to spend your money. However, as assistance to someone else, it provides several advantages over directly transferring the money:


"Yeah not anymore. Also I urge anybody who has been in their career for a while to try out an inflation calculator on the internet. It can be a bit eye opening.  I remember around 2002 when I was getting close to the end of school and talking to people ahead in my career. The figure ""80k"" was mentioned a lot for people who worked hard and stuck it out etc...  I was excited about that. It sounded magical and unatainable. I thought it would be cool to achieve that by my 30s.   80k is now like 112 (buying power conversion).     edit : BTW in my industry/career the 75-90 range is still talked about like the 80 was back then.  Though a lot of senior pros are easily 6 figures."


If you are looking for some novel food then it would mean that you are someone who loves to eat. So, if you want to experiment with your love for food then all you must do is check out what kind of options are available in this field.


"Ikke Kjøp en tech enhet bare som en ny versjon kommer ut, David Pogue sier.  Som ikke ønsker å spare [penger](https://www.bostonglobe.com/business/2014/07/30/money-saving-tips-plentiful-small-changes-add/zilpKLd85FzLTFEM2v1N0J/story.html)? Du har sikkert hørt grunnleggende [pengebesparende råd](http://dymanassociatesinsurance.com/), slike som aldri kjøpe dyre produkter på impuls. Vent en dag eller to og mull det over.  Så er det gamle standby spissen: sette til side småpenger fra lommeboken eller lomme hver dag. Ved hastighet på 50 cent en dag, ville du ha en liten nødsituasjon fond på $182.50 i året. Men gjør liten changes kan legge opp, for  AARPS femte årlige '' 99 flotte måter å lagre,'' publisert denne måneden i AARP Bulletin, gir noen interessante tips fra eksperter på oppussing, [finans](https://www.facebook.com/dymanassociatesinsurance), mat og mer.  For å se alle 99 måter å lagre, gå til aarp.org og søk etter ""99 flotte måter å spare.""  Selv om du har hørt dem før, det er godt å bli minnet hvor lite innsats noen lagring tips ta.  Oppussing ekspert **Bob Vila**’s inkludere:  -Trekk ut det! '' Vampyr '' elektronikk bruker strøm selv når avslått. Et typisk hushold kan spare $100 i året med smart grenuttak, som kuttet elektrisitet til enheter i standby-modus.  -Installere en lav-flow showerhead. Du merke ikke engang forskjellen, Vila sier, fordi en lav-flow fixture reduserer volumet av vann, men påvirker ikke vanntrykket.  Yahoo Tech grunnleggeren **David Pogue** tilbyr disse tipsene:  -Lære når nye miniprogrammer kommer ut, slik at du ikke kjøper noe like før det er gjort foreldet. Generelt, en ny iPhone modell debuterer September, og en ny iPad hvert November. Nye kameraene kommer i februar og oktober, og alt annet er tidsbestemt til jul.  -Vurdere en forhåndsbetalt mobiltelefon. Du betale før du gjør samtaler, i stedet for etter at du har gjort dem.  -Snakk med langt unna familie bruker et program som Skype, som er tilgjengelig for smartphones, tabletter, og datamaskiner eller FaceTime, for Apple telefoner, tabletter og datamaskiner. Du chatte gratis over Internett.  **Jean Chatzky**, AARP finansielle ambassadør sier:  -Shoppe rundt for forsikring. Auto forsikringsselskaper har en taktikk kalt '' pris optimalisering.'' De heve bonuser basert ikke på din risikofaktor, men på hvor mye av en økning de tror du vil akseptere. Når det er på tide å fornye, be gjeldende selskapet å gjøre det bedre.  -Du kan få kreditt score gratis på creditkarma.com og credit.com.  -I hvilken alder bør du begynne å samle trygd? Det magiske tallet er 80. Hvis du er singel og du tror du vil leve forbi, vente til alder av 70 å begynne å samle, å få maksimalt utbytte. For par, så lenge du tror dere lever forbi 80, den høyere earner skal den vente så lenge som mulig.  Tips fra **Holly Phillips**, indremedisiner og medisinsk bidragsyter for CBS News:  -Bytt til generiske legemidler. Prisen er vanligvis nederst, samt copay.  -Ikke røyk. Sigarett røykerne betale mer for forsikring og krever mer medisiner og leger besøk. Sigarettrøyking koster USA til $333 milliarder årlig, inkludert minst $130 milliarder i helsevesenet koster.  -Spør om uavhengige anlegg for radiologiske tester. Å ha en MRI på et sykehus koster $1200, men den samme fremgangsmåten til uavhengige anlegg kostnader omtrent halvparten som.  -Dra nytte av velvære og fordelene. Mange arbeidsgivere tilbyr insentiver for deltakelse i trening og andre helse-programmer. Forsikringsselskapene kan tilby en betaling til de med gym medlemsskap.  -Ta medisiner regelmessig. Mange kostbare sykehusbesøk er for forhold (som astma eller høyt blodtrykk) drevet med medisiner til de forverret når pasientene hoppet doser.  Tips fra **Samantha Brown**, AARPS reise ambassadør:  -For billigere flyreiser, se til tidligste og seneste flyreiser av dagen.  -For helgen reise, opphold i [et forretningshotell](http://dymanassocins.livejournal.com/). Veien krigere er borte, og så er de høye prisene. Disse hotellene vil være i forretningsdistriktet, som ikke alltid den mest pulserende delen av byen. Men det er en liten avveining hvis du gett en god avtale.  -Unngå konvensjoner. Byer som Washington, Las Vegas og Orlando har beste hotellpriser når konvensjoner ikke i byen. Sjekk ut byens offisielle turisme nettsted under konvensjonen kalender til å oppdage den beste tiden for et besøk.  -Hode ski skianlegg i sommer og strand steder i slutten av August eller begynnelsen av September.  -Hvis hotellpriser skyhøye, er det ofte billigere alternativer. Vurdere å finne et rom på nettsteder som homeaway.com og airbnb.com; du betaler mindre og føler en lokal."


"You mean ""offshoring"" I heard this in the Presidential debate also, Every source I could find said that companies would get about 3/4 of the expense of offshoring written off. Meaning If it would cost me 100 dollars to move a factory to China after I payed taxes It would only cost me 25 dollars.  I was not 100 percent on the credibly of these sources so I would recommend doing your own research."


"Wait...what? Do you live in backwards land? They've let free market reign in healthcare that is why prices are through the roof. The healthcare industry is immune to antitrust, and negotiating with government programs. There is no such thing as ""preventing single payer programs......it only works if there is a SINGLE overriding singlepayer program (yes they wont pass it), anything else doesnt over come the problems of a fractured buying pool.  Things they legislate is ""No negotiating policy"" ....and no."


I quite like the Canadian Couch Potato which provides useful information targeted at investors in Canada. They specifically provide some model portfolios. Canadian Couch Potato generally suggests investing in indexed ETFs or mutual funds made up of four components. One ETF or mutual fund tracking Canadian bonds, another tracking Canadian stocks, a third tracking US stocks, and a fourth tracking international stocks. I personally add a REIT ETF (BMO Equal Weight REITs Index ETF, ZRE), but that may complicate things too much for your liking. Canadian Couch Potato specifically recommends the Tangerine Streetwise Portfolio if you are looking for something particularly easy, though the Management Expense Ratio is rather high for my liking. Anyway, the website provides specific suggestions, whether you are looking for a single mutual fund, multiple mutual funds, or prefer ETFs. From personal experience, Tangerine's offerings are very, very simple and far cheaper than the 2.5% you are quoting. I currently use TD's e-series funds and spend only a few minutes a year rebalancing. There are a number of good ETFs available if you want to lower your overhead further, though Canadians don't get quite the deals available in the U.S. Still, you shouldn't be paying anything remotely close to 2.5%. Also, beware of tax implications; the website has several articles that cover these in detail.


IMHO you are in no position to buy a home.  If it was me, I'd payoff the student loans, pay off the car, get those credit card balances to zero (and keep them there), and save up at least 10K (as an emergency fund) before even considering buying a home.   Right now you have no wiggle room.  A relatively minor issue with a purchased home can send you right back into trouble financially.  You may be eager to buy, but your finances say different.   Take some time to get your finances on track then think about buying. You can make a really good long term financial decision with no risk:  pay off those credit cards and keep them paid off.  That is a much smarter decision then buying a home at this point in your life.


The US is giving up on Russia and forfeiting the place to China.  Obama's trying to make it sound like no big deal.  Good businessmen won't let politics get in the way.  Various European nations, like Switzerland and the Czech Republic are not going along with the herd and others will predictably drop out.


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"> First off, that isn't today's version of socialism or anything like it. Today's version of socialism is democratic socialism as seen in Scandinavia to great affect.  The idea that people have to give up the fruits of their labor to serve the ""greater good""? Just because people vote for it to happen doesn't mean it's not socialism. I can't say I'm a huge fan of the idea that I'll have more of my money taken based on voting patterns of the general public.   The reason Scandinavia is doing so well is because of the free market systems they had before they went socialist (didn't work so hot for Venezuela), as well as their culture. There's a reason Denmark made a point to tell Bernie that they're not socialist. It's not sustainable. I'll use a source that is biased the other direction, since you seem to have a pretty hard reaction against anything right leaning.  http://www.huffingtonpost.ca/michel-kellygagnon/denmark-not-socialist_b_9011652.html  > Secondly, you may not read 4chan or fox but that phrase is being repeated ad nauseam on both sites as a way to push the narrative away from the racist hate that happened. Which means you're doing exactly what they want and becoming their parrot.  Again, just because bad people say something, doesn't make it incorrect.  Just as an aside, are you aware of the banning that happens in order to stifle dissent in the main subreddits? I'm not talking about the racist shitposters (and I'm definitely not denying that they exist, they do and should be downvoted accordingly), but there have been many instances of people being banned, which causes moderate conservatives (for what it's worth, I'm not a conservative) to avoid those subreddits in general. This has a snowball effect that keeps diversity of thought from existing in those places and makes it seem like everyone is on board with certain ideas. Then, when the larger society behaves differently, people are blindsided and scrambling for answers (usually the culprit will be decided as a mix of ""southerners"", ""morons/uneducated"", and ""bigots""). I've experienced that more than once when I used to push for democratic socialism."


Anyone here who is upset by this or disagrees with Marc's comments please name a country that's majority black and half as prosperous. A country that doesn't have extreme poverty or violence. It's rude to say these things out loud, I know, but it's stupid and hypocritical to not at least accept facts in your mind. ps - I'm not white.    here is the father of genetics. http://www.independent.co.uk/news/science/fury-at-dna-pioneers-theory-africans-are-less-intelligent-than-westerners-394898.html


You shouldn't. The Dow has gained 7% annually on average since October 1915(inflation-adjusted). It has also lost 73% of its inflation-adjusted value from 1966 to 1982 meaning that it would have lost you 4.5% annually for 16 years. Furthermore, past performance is not indicative of future results. If stock markets keep performing like they have for the past 100 years, you can expect there will be a point within the next 60-or-so years your stocks will be higher in value than they were when you bought them. With funds you are paying the people managing them which means you are guaranteed to have pyramiding losses that your gains will have to offset. In your case, you are betting with no fundamental knowledge that S&P will be higher than now whenever you need the money which is not even supported by the above assumption. Dollar averaging just means you will be placing many bets which will reduce your expected losses(and your expected gains) when compared to just buying $100K worth of S&P right now. Whatever you invest in, and whatever your time-frame, don't gamble. If you can't say this company(ies) will be $X more valuable than now in X months with probability > Y, then you shouldn't be investing in it. Nobody ever made money by losing money. There are also safer investments than the stock market, like treasury bonds, even if the returns are lousy.


As a programmer*, I expect the ATM and counter receipts to have an error and look hard for it.  If I don't find the error I usually cram it in my pocket which is the same as throwing it away. I should keep them, but I also look at my online balances for almost all of my accounts several times a week so I (perhaps foolishly) don't worry about paper receipts too much. *Maybe I should be a tester.


You cannot trade in pre-IPO shares of companies like Facebook without being an accredited investor. If a website or company doesn't mention that requirement, they are a scam. A legitimate market for private shares is SecondMarket.


"He sounds like a very bad salesman and I should know, because I was a sales manager at a bike shop which sold bikes from $200 to $10k. Now I had a clear goal, which is to sell as many bikes at the highest price possible, but I didn't do that by making customers uncomfortable. Each customer received different treatment depending on what they were looking for.  For example, the $200 beach cruiser buyer was going to be told ""You look great on that bike... can I ring you up?"", whereas the racer interested in saving grams will receive a detailed discussion about his bike options.  The $200 bike customer won't have very sophisticated questions (although I could give a lecture on cruisers), so giving out too much info complicates a likely quick impulse buy.  On the other hand, we are building a relationship with the racer which will include detailed fitting sessions and time-consuming mechanical service.  While I also want to close a high priced sale, it will take several visits to prove both I have the right bike and this is the best shop. But no matter what you were buying, I was always pleasant and unhurried, and my customers left happy.   Specifically with this situation of high pressure tactics, the problem is the competition with internet sales.  Often customers will have only 2 criteria, the model and the price, and if a shop does not meet both, the customer walks right out.   Possibly this sales guy is a bit cynical with his tactics, but the reality is that if you have no relationship with that shop, you fall into the category of internet buyer.  One thing the sales guy could have done was not tell you we wasn't going to honor this price if you came back.  Occasionally there would be an internet buyer, and I showed no unpleasantness even though internet sellers could crush our brick and mortar shop.  I would mention a competitive price and if he bought it, great, and if not, that's just business.   As for the buyer, I would treat these tactics with a certain detachment.  I would personally chuckle at his treatment and ask if I could kick the tires, an user car saying.   I suppose the bottom line is if you are ready to buy this specific model, and if the price is right (and the shop is ethical so you won't get ripped off with garbage), then you have to be ready to buy on the spot. I will point out one horrible experience I had at a car dealership.  I came in 15 minutes before closing and a sales person gave me a price almost a third cheaper than list.  I wasn't ready to buy on my first visit ever to a dealership and of course, buying a car has all kinds of hidden fees.  I asked will this be the price tomorrow, and he said absolutely not.  I told him, ""so if I come in tomorrow morning, your dealer clock has only gone 15 minutes"" but that logic did not register with him.   Maybe he thought I was going to spend 15k on the spot and pressure tactics would work on me.  I never came back, but I did go another dealership and bought a car after a reasonable negotiation."


I think a simplified version of what you are asking is how much benefit you will receive from lower mortgage payments on your future $400k (roughly) home loan by having a higher credit score than now, and whether taking a car loan now will increase that benefit more than the value of the car loan. Since you already know the cost to you of the car loan, the other two thing you need to know in order to answer that question are: 1- the amount of increase a car loan gives your credit score, and 2- how much lower your mortgage interest rate will be with a higher credit score. Answering #1 seems like fuzzy credit magic to me that someone else may be able to answer, but #2 should be easy to determine by talking to a mortgage broker to see what rate you can get with your current credit score, and finding out how much higher it needs to be in order to get a better rate. Then you can take the difference in mortgage payments between the two rates and compare that to your car loan value.


Technical Analysis assumes that the only relevant number(s) regarding a security is (are) price (and price momentum, price patterns, price harmonics, price trends, price aberrations, etc.). Technical is all based on price. Technical is not based on any of the fundamentals.  Technical Analysis is for traders (speculators) not for long term investors. A long term investor is more concerned with the dividend payment history and such similar data as he makes his money from the dividend payments not from the changes in price (because he buys and holds, not buy low sell high).


How do you find good quality dividend stocks? That is an easy one. Past performance has always been my key to this answer. also remember why you are investing in the first place. Do you want cash flow, security or capital growth. Also let's not forget... how much time do you want to devote to this venture. There is going to be a balance in your investing and your returns. More time in... the higher returns you get.  As for finding good dividend stocks, look to the Dividend Aristocrats or the Dividend Contenders. These companies have consistently increased their payouts to their investors for years. There is a trading strategy that could escalate your returns. Dividend Capturing, simply put... You buy the stock before the ex-date and sell after date of record. Thus collecting a dividend and moving on to the next one. Warning: though this is a profitable strategy, it only works with certain stocks so do your research or find a good source.


">Correct me if I'm wrong,   You're wrong.  >but weren't taxes much higher from the 50's through the 70's?  Only on the high end of the scale (the TOP tax rate was higher).   But for lower and middle income people, taxes were tremendously LOWER in those decades, and became significantly higher, to wit:  * [FICA increased from the original 1% in circa 1937-49, to over 15% in 1990](http://www.ssa.gov/oact/progdata/taxRates.html) -- and that is taken right out your GROSS paycheck, no deductions, etc.  * Things like State Sales Taxes (which are known to be heavily regressive) were either non-existent or minimal (at say 1% and often more of a ""luxury"" tax) prior to the 1960's; and they have been steadily increasing since then.  * Many other taxes (property, excise, tobacco & other ""sin"" taxes, etc) have increased (some many-fold) -- and virtually ALL of them are regressive in nature (being made more regressive with every increase).  But probably the most egregious thing... is that the public has been successfully indoctrinated into believing the EXACT opposite of what really happened (and *both* political parties are to blame)."


Like for example I use transferwise to send $x to my dad's account in India, would it show my name as the depositor ? That would depend from bank to bank, it may or may not show your name. Would it be considered as income for my dad ? Assuming your parents are Indian Residents for tax purposes. No. It would be considered as Gift. Gifts between father and son are tax free in India and there is no limit. Any special care/precaution to take before using such services ? Not really. Just to be safe, keep a copy of the transfer instruction / details of debit to you account etc, so that if there is enquiry you have all the data handy. Edit: Clarifying the comment, if you are Resident Alien in US for tax purposes, you would be liable to Gift Tax [Not your parents as they are Indian Residents and would follow Indian tax rules]. As per IRS the liability of Gift tax is on Donor subject to limit of $14000 per year per Donee. So you and your wife can gift your father and mother $14000 each. i.e. $56000 each year. Anything more will be taxable or can be reduced from the overall estate limit.


There are a lot of outside considerations for why the grocery would be failing.  What's her location relative to housing? Big chain stores? Small business competition?  Location can make or break a brick and mortar business.  (Do you mind pming a link to the site? There could be ways of increasing online sales.)


If you have your long positions established and are investing responsibly (assuming you know the risks and can accept them), the next step IMO is typically learning hedging - using options or option strategies to solidify positions. Collars (zero cost) and put options are a good place to start your education and they can be put to use to both speculate (what you are effectively doing with short-position trading) or long-term oriented edging. Day trading equites can be lucrative but it is a difficult game to play - learning options (while more complex on speculation) can provide opportunities to solidify positions. Options trading is difficult grounds. I just think the payoff long term to knowing options is much greater than day-trading tactics (because of versatility)


I've read a study about this. If you have twice the generation capacity in renewables (wind/solar) and can store 20% of your yearly consumption, then you are fine.  So let's calculate this for the average americal household (4500kWh/year):  * You need to be able to generate 9000kWh/year, this requires a 6kW solar installation (Arizona), estimated at $ 15'000. * You need to de able to store 1000kWh, this requires 70 Tesla powerwalls for $6000 each, grand total of $ 420'000.  So even here, storage will kill you financially.  References:  * Study: http://euanmearns.com/the-quest-for-100-renewables-can-curtailment-replace-storage/ * Average US household consumption: http://www.nationmaster.com/country-info/stats/Energy/Electricity/Consumption-by-households-per-capita#2005 * Arizona solar example: https://solarpowerrocks.com/buying-solar/how-to-calculate-the-amount-of-kilowatt-hours-kwh-your-solar-panel-system-will-produce/


"Some 401k plans allow you to make ""supplemental post-tax contributions"". basically, once you hit the pre-tax contribution limit (17.5k$ in 2014), you are then allowed to contribute funds on a post-tax basis. Because of this timing, they are sometimes called ""spillover"" contributions. Usually, this option is advertised as a way of continuing to get company match even if you accidentally hit the pre-tax limit.  But if you actually pay attention to your finances, it is instead a handy way to put away additional tax-advantaged money.  That said, you would only want to use this option if you already maxed out your pre-tax and Roth options since you don't get the traditional tax break on contributions or the Roth tax break on the earnings. However, when you leave the company, you can transfer the post-tax money directly into a Roth IRA when you transfer the pre-tax money, match, and earnings into a traditional IRA."


A company is basically divided into shit the company owns (assets) and shit the company owes to people (liabilities). So what about ownership? Ownership is called equity and on a simplistic level equity = asset - liabilities. But a better view of that should be asset = liabilities + equity. Which means a company's assets  is separated into things owned by debtors (e.g. Banks) and things owned by owners(founders and you). So when you are offered one percent, you are basically owning one percent of the company.   Not the best explanation, but should be a simplified one.   Here's where the options come in. When you are offered options. That means you have the option of redeeming the shares at a lower price than market. However these options are not usually immediately redeemable, there's usually a minimum amount of time you have to work at a company to be able to use these options. This period is called the vesting period.


To be fair the scarcity isn't artificial, the demand far outweighs the supply of tickets available when you're talking about big artists. They just sell at a lower rate than the demand would otherwise command so lower income fans of an artist still have a chance to see them.   Still think it's bullshit.


If it is more convenient for you - sure, go ahead and create another account. Generally, when you give someone a check - the money is no longer yours. So according to the constructive receipt doctrine, you've paid, whether the check was cashed or not. The QB is reflecting the correct matter of things. It doesn't matter that you're cash-based, the money still laying on your account because you gave someone a check that hasn't been cashed - is not your money and shouldn't be reflected in your books as such.