"Your comment to James is telling and can help us lead you in the right direction: My work and lifestyle will be the same either way, as I said.   This is all about how it goes ""on the books.""    [emphasis mine] As an independent consultant myself, when I hear something like ""the work will be the same either way"", I think: ""Here thar be dragons!"".  Let me explain: If you go the independent contractor route, then you better act like one.  The IRS (and the CRA, for Canadians) doesn't take lightly to people claiming to be independent contractors when they operate in fact like employees. Since you're not going to be behaving any different whether you are an employee or a contractor, (and assuming you'll be acting more like an employee, i.e. exclusive, etc.), then the IRS may later make a determination that you are in fact an employee, even if you choose to go ""on the books"" as an independent contractor. If that happens, then you may find yourself retroactively denied many tax benefits you'd have claimed; and owe penalties and interest too.  Furthermore, your employer may be liable for additional withholding taxes, benefits, etc. after such a finding. So for those reasons, you should consider being an employee.  You will avoid the potential headache I outlined above, as well as the additional paperwork etc. of being a contractor. If on the other hand you had said you wanted to maintain some flexibility to moonlight with other clients, build your own product on the side, choose what projects you work on (or don't), maybe hire subcontractors, etc. then I'd have supported the independent contractor idea.  But, just on the basis of the tax characteristics only I'd say forget about it. On the financial side, I can tell you that I wouldn't have become a consultant if not for the ability to make more money in gross terms (i.e. before tax and expenses.)  That is: your top line revenues ought to be higher in order to be able to offset many of the additional expenses you'd incur as an independent.  IMHO, the tax benefits alone  wouldn't make up for the difference. One final thing to look at is Form SS-8 mentioned at the IRS link below.  If you're not sure what status to choose, the IRS can actually help you.  But be prepared to wait... and wait...  :-/ Additional Resources:"


If you break down the math it comes out to a loss to the IRS. Does every Fortune 500 store profits over seas? How much does Comcast store? Because they pay 33% in taxes. Paying 15 comes to a loss for the IRS. These companies are not improving on anything anywhere. Record profits and yet it's not invested back anywhere that helps the citizens. Why would it be invested after they have more money? Apple didn't when they made 30b, 40b, 50b 60b now almost 70b profit after taxes. Why would they if they make 80b?


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-10-03/u-s-missile-defense-gets-400-million-as-north-korea-threatens) reduced by 71%. (I'm a bot) ***** > Congressional defense committees have approved shifting more than $400 million from other accounts into missile defense programs to clear the way for more ground-based interceptors, sensors and upgrades to Navy anti-missile vessels in the face of threats led by North Korea.  > The shift of funds reflects a growing determination at the Pentagon and in Congress to bolster missile defenses as North Korea vows to perfect nuclear missiles that can hit the U.S. mainland as well as allies in Asia.  > An additional $8 million is shifted to supplement the $219 million already budgeted to potentially increase the number of interceptors to 64 from the current 44; and $15 million would go to software upgrades to the Boeing-developed floating Sea-Based X-Band radar used to precisely track an intercontinental ballistic missile in mid-flight.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/74loz8/us_missile_defense_gets_400_million_after_north/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~223049 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*: **million**^#1 **request**^#2 **missile**^#3 **defense**^#4 **shift**^#5"


"I would recommend to draw 25000 from annuity at 10% penalty. Its important to understand that you pay the interest on credit card debt per annum. You pay the penalty on withdrawal from low-yield annuity only once! Imagine that you don't pay your credit card debt for 3 years. It explodes from 25000 to 33116 (more than 8 thousands wasted!)! The average APR of your card debt is (minus for you) 9.82%. That is you pay your penalty each year! I didn't get exactly how your annuity works, but given 1% of ""guaranted"" effective interest, I wouldn't expect much above it. If you want some kind of mixed solution and gain some time, you could first pay off the card debts #2 and #3, then the APR goes down to (minus for you) 7.24, i.e. that of the card debt #1. However, even in this case you should draw money from annuity at penalty, if you can't pay it down in let's say 1.5 years."


What sort of emergency requires payment up front for which 2-3 days processing of a stock sale would pose a problem? In my case, the sudden and unexpected death of my wife. Back in 2011, my wife was struck and killed in a traffic incident. I had to immediately (not in 2 - 3 days) cover 50% of the entire costs of the funeral. The balance was due shortly after, though I now forget if the balance was due in 7 days or in 30. I suspect the latter. The life insurance paid out in approximately 4 months for this simple case. Even if your mortgage is insured, you still have to pay the entire balance, along with living expenses, until the paperwork is resolved. And, again in simple cases, assume this will take months rather than days or weeks. My point is, the funeral is only one of the expenses you'll have to cover in such a situation, though generally you'll have sufficient lead time for the other expenses, where your investments would likely be sufficiently liquid. Yes, a credit card would (and did) help in this situation, but if you have no credit card (as your question poses), you need ready access to thousands of dollars to cover this sort of eventuality. My bank told me that many people in such a situation have to take out an emergency loan the very day their spouse dies. Let me assure you this would be... emotionally difficult. Funerals vary widely in price. The Motley Fool indicates the median cost of a funeral with a vault was $8,343 in 2014. Crematory fees, a headstone, flowers, food, obituaries, all add to this cost. My total cost was closer to three times the median, though some of the expenses (headstone, primarily) came later. I'm sure I could have gone for a cheaper funeral, though it's hard to make rational economic decisions at that sort of time. I don't recall the exact amount I had to put down, but it was somewhere around $6000 - $8000. (No need to leave a comment expressing condolences; thanks, but I've already had plenty and now my goal is to help share knowledge. :) )


If all you look at is the people that can afford houses, then you're just primarily looking at banking policies -- who they will make a loan to, and on what loan terms; which are fairly consistent over time.  FRED's home ownership statistic is calculated as the number of households that are owned; it makes no distinction between a household with a college grad still living with their parents because they can't afford living on their own.  Apartment leases aren't getting cheap either.


Fair enough, do what you want, but the issue is that the physical store is providing you with valuable services that you are taking advantage of (you get to see the shoes before you buy them, try them on, get advice from employees, etc.) without paying for.


Having no debt should be the ultimate goal for every household, IMHO, but at what cost? As an example, I had some clients (before they started working with me) that had outstanding debt when they retired and were gung-ho to pay it off.  They opted to take it out of their retirement accounts.  They didn't set aside enough for taxes which was their first mistake.    After a few years, they now have realized they should not have paid off everything as now they have other medical issues that have arisen and not enough in their retirement accounts to satisfy their monthly requirement.


Note that this is not my site -- I just googled it to get a web-based sha page.  Personally, I just wrote a quick php script that spit out on my own web server:  echo sha1('mypass');  ran it and then checked...   But I agree the info above is relevant - avoid giving out any sensitive information, although just a random password to a random web site isn't super helpful


"You can renounce it whenever you like, however you can't be living within that country and under the umbrella that the country provides otherwise someone is going to say ""you might claim that you are not a citizen, but your actions and physical residence would claim otherwise""..."


In general it's mostly inertia:   There are tons of reasons and they would vary from region to region.


"This question is calling for a somewhat subjective answer. What I would recommend is liquidate now, since it is a stock fund and stocks have performed very well this year, no need to be greedy and hope that they do as well in 2014. Since it is not an enormous amount of money, put it in an interest yielding savings account which unfortunately are all sub 1%. But the key here is since we cannot predict the markets, no investment is going to be ""safer"". You want the 18k to be there when you need it for the down payment. If you invest it in a fund now, you may not be able to get at least 18k at the time you are forcing yourself to liquidate. A good rule for investing is never to have to sell to make a purchase because there is a high probability that you will be selling at a sub-optimal price. Some savings accounts that have slightly higher yields. http://money.cnn.com/2013/10/01/pf/savings-account-yields/"


Congratulations to you and good luck and good health with the baby. I had a friend in a similar situation, and I told him that he could do quite well by putting out the word to an upper-middle-class neighborhood that he was available to setup routers, home networks, etc.  I suggested that he could start at a low enough wage that people would see the beneficial tradeoff to having him come over for a few hours versus doing it themselves. After a few months, he hired someone to take the extra work he was receiving, and directed the more routine requests his employee.  He had a full-time job plus all the extra work he wanted.  Most people who hire him simply want someone they would trust in their home, and his service spread by word-of-mouth.  He also got to meet many people who liked him and were impressed by his work ethic, resulting in many good connections if he ever wanted to pursue other employment. My friend was an IT professional, the best support person at our tech-heavy firm, so he wasn't giving his time away.  He did enjoy doing it, and he did enjoy the extra money.  On an hourly basis, especially once he added the assistant, he was making more on the side than he did at his job.  However, I believe he did start lower than that. Good luck!


"netting means to combine cash inflows and outflows (e.g. debits/credits, payments/receipts, income/expense) by subtracting the sum of all outflows from the sum of all inflows, creating one transaction.   For example, if you make two trades in one day with your broker - one to buy a security for $100 and one to sell it for $110 - rather then you sending your broker $100 and them sending you $110, the transactions are ""netted"" - meaning they will send you the ""net"" amount of $10 ($110 inflow - $100 outflow). In a more general sense (""netting of instructions"") it would mean to combine all instructions and only apply the ""net"" effect - e.g. one step forward, two steps back would combine to a ""net"" one step back.  Most likely it will apply to the exchange of money, but it could be applied more broadly. Note that there doesn't have to be both inflows and outflows. You can also ""net"" multiple inflows (or outflows) into one transaction by just adding them all up, but typical business usage is to reduce the number of transactions by combining inflows and outflows."


They do not try to force sales and are not driven by them either. They truly essentially need clients to be informed enough to make their own choice and eventually to be happy with their decision. Though you visit the shop of electric bike in Canterbury you will probably be welcomed with a hearty hello from the friendly team and expeditiously offered some tea.


"How is this anticompetitive? You're welcome to buy goods from someone other than Amazon, Amazon isnt colluding with other vendors to do the same, or sell at the same price...   If Amazon decided tomorrow ""I dont want to carry this Disney shit"" I dont see how thats anti-competitive. Amazon has a strong negotiating position however."


Hello, feel free to remove this if it doesn't belong here. I am a journalist and I am looking to get more involved in tech and finance related things, so this is where I am starting. **What are some finance-related stories that you believe are not being covered in the news well enough?**


"[Netflix is targeting 50% in-house content ""within the next few years.""](http://variety.com/2016/digital/news/netflix-50-percent-content-original-programming-cfo-1201865902/)  It says right now it is about 1/3 of the way there which - to me - works out to about 16.5%.  So maybe ""rarely"" wasn't the right word, but a large majority of the content it streams is not in-house."


Don't worry! Once we get those for profit prisons up and running Americans will have no problem finding jobs. Just expand what counts as illegal, crack down on illegal activity, and millions upon millions of Americans will be employed. At $.50/hr.  And the added bonus is that we'll be able to compete with third-world labor!  Who says there isn't a plan to make America competitive on the world labor market?  ... now if you'll excuse me I'm going to go bury  my tinfoil hat. It's scaring me.


This might be a question better suited for r/askeconomics or just r/economics. Ben Bernanke is an excellent source on the Great Depression, however, and he's very good if you want to understand these crises from an economic point of view.


Different rates. What the BoE is conducting is known as Quantitative Easing, which is a form of monetary policy avalable to central banks whenever interest rates are already too close to zero or at zero (just like in the UK). In this case, the central banks hopes to influence longer-term rates, rather than just short-term rates. It is useful to remember that the rate central banks announce is a short-term rate used for interbank lending.


FINRA lets you view recent trades, but as stated in the other answer bonds are illiquid and often do not trade frequently. Therefore recent trades prices are only a rough estimate of the current price that would be accepted. http://finra-markets.morningstar.com/BondCenter/Default.jsp


"Well, all of the previous answers already mentioned the upcoming scam and danger situation for your financial position. I thoroughly read all answers and wanted to add a few more lines on it. Cort Ammon) already shows details of it. Any kind of financial transaction involving a complete stranger is the first big scam tag that shows up and this should always 'Never Fall In' type situation. If you open a new bank account or give away any existing bank account to this lady, other than just losing some amount, you might pay earlier than clearing checks you deposited on behalf of your 'stranger' partner. Depending on their target/plan/experience with your bank account they can make you a victim of a bigger crime. There is a full length of scam plans, like sending you false checks to deposit and ask you withdrew money to send them back to even having very big incoming transaction to your account sitting idle on your account which might originate from a crime beyond the financial domain. You can try to be smart, thinking in mind, well, let them send some, I will never send them back before bank declare the deposited checks got horned and clear (and send back the amount after keeping your share). But, still you will face problems later. Even if your account fills up with real money and after confirming with bank you find it OK and never return them (scam a scammer). Still you will not have any valid authority or answer describing how/why you got this money if someone ask you later. Depending on scammer's ability, they might even give you control over fund to spend for your own (to gain some trust from your part). On this type of scam it is a sign of an even bigger danger. I live such a country, Bangladesh, from where recently they successfully transferred out around US$10 millions using a bank account of an outsider like you keeping in between source of money and final unknown destination. The result is the owner / operator of those accounts used for these transfers are now under law enforcement pressure, not only just to find out where ultimately money has gone, but for sure they will face some degree of charge for helping transfer of illegal money overseas"". For someone who is not part of a full scam chain it is a big deal. It might ruin their life forever. To be on the safe side, and help protect others from falling on the same type of problem you may contact your local law enforcement agency. Depending on the situation, they might be interested to run a sting operation using your information and support to catch and stop the crime going to happen soon or later. I would give a rare chance of 2% legitimate reason for anyone to use a third-party bank account to pay some other living either different country (still it is not legal, but a lower-type crime). But obviously they will not ask randomly over the Internet/social network sites. In your case this is a real scam. Be careful and stay safe; Good Luck."


"> The article is dead on that cable is grossly overpriced.  Cable isn't grossly overpriced. If it were, more people would be canceling their subscriptions, and/or the cable/fiber/dish networks would be offering discounted *à la carte* plans to steal subscribers.  I would pay what I pay now to get what I watch now. That's true of most people or they'd stop subscribing.  *À la carte* isn't popular with the cable companies not because they'd have to charge less, but because it would artificially limit their window into your living room (obviously they *can* technically provide you with hundreds of channels, since they do today). Take AMC, for example, which has gone from a third or fourth tier channel to at worst a second tier channel on the strength of *Mad Men*, *Breaking Bad*, etc. How much would the audience of those shows have been limited (and thus your cable company's ability to sell ads been limited) if people had to call up to add $4/month to their bill rather than just flip the channel when they heard about a cool new show?  Even in a purely ""on demand"" world, how do you build a show's brand? Offer the first four episodes for free, then start charging? That's a big cliff to fall off.  I can assure you that when we are living in an on demand world, you'll be paying at least what you're paying now. My guess is that around the time Apple gets into the TV business, your cable plan will become a ""smart TV"" plan, with a unified data/video cost, just like your smartphone plan. Then the cable companies won't care so much where you're getting your content, whether it's traditional channels or streaming."


"He's never called DJ Skrillex. The headline is using DJ for context as in ""the artist skrillex"" or ""the musician skrillex"". And judge for yourself how insightful the research seems but this does not argue in its favor one way or the other."


"My experience is in economics, so it may differ from an accounting or personal finance perspective somewhat; that being said, I find it perfectly acceptable to use a term like CAGR when the rate is positive or negative. Economists talk about negative growth rates all the time, and it's universally assumed that growth rates can be positive or negative.1 Ideally, the actual magnitude and sign of the value should be specified by the value itself. The term, whether it's ""growth rate"", some modified version of it like CAGR, or any label in a table or on a graph, should describe the calculation or source used obtain the value. I shouldn't need the name to indicate the sign of the number if the number is present; the name is only there to help me understand the value. Unfortunately, I don't know of any specific term that represents the geometric averaging nature of CAGR and also eliminates the minor potential for semantic confusion. However, I think the minor problem of semantics needs to be balanced against the tradeoff of using a different term that isn't as common, if one were to exist. CAGR is a standard, well-known term that a) allows someone who is familiar with the term to instantly understand the procedure you're using, and b) allow someone who isn't familiar with it to quickly search and find an explanation, since searching for CAGR will numerous simple explanations of how it's calculated. 1. This is different from the concept of economic growth, which is usually assumed to be positive in informal discussions. In economic modeling, many of the first steps in creating a model are symbolic anyway, so ""growth rate,"", ""change in output"", and ""economic growth"" are used interchangeably to describe changes in GDP because the values either aren't known, irrelevant until later in the project, or pulled from data that describes it using one or several of the previously stated terms."


So, they get taxpayer money and a bunch of assistance to research and make the vaccine, but then get free latitude to price it at whatever they like when much of the initial investment cost has been subsidized? **And** they get a monopoly on its sale? I am *so sure* they are going to price it fairly...


"Let's separate ""rich"" from ""entrepreneurs.""  Not all entrepreneurs are rich and yes, people will stop doing something with the risk/reward is too high.  Expecting people's behaviors to NOT change when diminishing their rewards is ignoring the facts.  Entrepreneurs that like to invent will simply do it elsewhere."


"I would not concede your money to your dad IF he is really wronging you - and we need much more detail to tell.  This is the first lesson in life that actually following up on ""wrong"" things will save you thousands of dollars throughout your adulthood.  It is really easy to turn the other way and be out a few thousand dollars.  Then the hospital overbills you and you let it go and so on.  Follow up, it is your money. The laws behind this are pretty cut and dry.  Basically if you put money into one account and only your money was touching the account then it is your money.  As a minor this is an expectation and once your turn 18 in the US you have a right to your money.  That is given that the money was in the account at 18. So if your dad truly did not touch the account and withdraw the money before you turned 18, it is cut and dry.  If your dad took money out before 18 or added his own money to the account it gets rather fuzzy since it is easy for dad to say that I took money out for your expenses. As for this being ""nuclear"" as keshlam suggests - he is right.  His advice is fine but sets you up for people taking advantage of your throughout your life, especially your family.  In fact the situation is already nuclear but you were the only thing the bomb hit.   So talk to your dad.  Explain that you will have to go and file a small claims trial if he does not agree to give you the money.  If your situation is already over the top I would bring the paperwork with you filled out.  (a person at your local clerk's office will help you find the right forms) You on the other hand better weigh this conversation.  We ""internet peoples"" are only hearing one side of the story.  We do not understand your situation at your home.  We don't understand who pays for your car, gas, clothes, and room and board.  You are 18, so there is no obligation for parents to pay for these things.   If I had an 18 year old that had 3K in the bank under my name and they hadn't helped around the house in a year, didn't buy their car, had a poor attitude, and so on I would probably have the same action as your dad.  Yea it's ""your money"" but is it really?  When I was 18 I bought ALL my clothes, bought my car, bought my gas/insurance, and so on.  I paid for my toothpaste.  If this is where you are at and you help out around the house like an adult would then you have solid ground to stand on. If not... I would laugh if I were your dad.  My first thought would be you want your money, that is fine.  But you are paying rent.  Car is gone, get your own.  You would be paying for everything.  But you would have ""your money"".  So you have some pros and cons to weigh here and taking the money could cost you a TON of money in the future.  However if your dad is just being a pure jerk (I kind of doubt this but who knows) then you have an obligation to fight for what is yours. (Note that the end goal of any meeting like this in your life shouldn't be court.  It should be an agreement so that the right action is taken and both parties are happy.  It could be very well that your dad would be happy with something that has nothing to do with the money.  Also there are people with really really bad situations at their homes.  A controlling parent is a pretty good ""bad"" situation and an easy one to solve at 18 - move out.  If you don't want to move out then accept your family members, not complain about them.  No matter how controlling your dad is your question spews of ungrateful teenager.  I am sure you aren't that bad and I am sure your dad isn't that bad.) (And another note:  In no way, shape, or form am I suggesting you drop the money issue.  There is nothing worse than not talking about it even if you think your dad will kick you out of the house.  Resentment building up in yourself or family is the worst possible thing.  This needs to be dealt with.)"


amen to that , too big too fail should have never even been pronounced.  But again, some people are at fault, if people went to credit unions instead of banks in drove, banks would be forced to change their way at some point. Even get smaller instead of bigger to better serve the community its in...not so long ago you , you could have a loan at a local bank for your small business, nowadays with no collateral, you get squat. there is no risk to the lenders, and they manage to still fuck up ~!


I think the issue would be that Wachovia/Wells Fargo who converted the Traditional IRA to a Roth IRA has told the IRS that you did the conversion, and so the IRS will want taxes on  the money that came out of the Traditional IRA. You need to get Wells Fargo to issue a corrected 1099-R saying that it was a Roth to Roth roll-over, and possibly get a corrected 5498 for 2011 showing that the Wachovia Roth was converted to a Wells Fargo Roth. Else, the IRS might want an excise tax for a premature withdrawal from your Wachovia Roth, and assess penalties for excess contributions to a Traditional IRA in 2011 when the erroneous conversion was made, because to them it might look like you withdrew money from a Roth IRA, and made an excessive contribution to a Traditional IRA.


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Good idea to stay only with VTI if you are 30. For 50, I recommend: 65% VTI 15% VOO 10% VXUS 10% BND


"I don't work for the PO.. but i'm a client. This issue is the last straw for me with what's happened to the US and A.  Read the constitution people  [**Article I, Section 8, Clause 7**](http://en.wikipedia.org/wiki/Postal_Clause) of the United States Constitution, known as the Postal Clause or the Postal Power, empowers Congress ""To establish Post Offices and post Roads"". I mean WTF? its in the goddam Constitution.. its not some sort of half-assed law that was passed to test kids, or make pizza a fucking vegetable. The founding fathers put this in there on purpose.  the post office has an awesome responsibility to provide a communication system for the *entire* country and overseas possessions. you can send a letter to Anchorage Alaska, Lubbock Texas, Shitsville California, Boondocks Maine or Guam.. yes you can send a letter to goddamn Guam at 1st class rate (ZIP code range: 96910–96932 for no extra charge). The PO has got army's of trucks and personell that get the mail out pretty much all the time. yeah shit happens, weather, disasters, etc maybe you run into some asshole at the PO but hey.. my mom tells me there's a dick in every crowd. I don't take it personal. IMHO Truth of the matter is that if we could provide healthcare like we provide mailing services, shit.. this country would be 1st tier again.  But does FedEx, UPS, DHL, etc? do that? do they have a facility in nearly every major population center? Does FedEx, UPS, DHL etc have offices that *they operate* in every town? hell no. They even use PO services for things that are not economically viable.  The establishment of the Post Office enabled the nation to grow. Rural Free Delivery sparked Sears, Montgomery Ward etc an entire retail industry. The Rail Post which was way more efficient than trucking and was used as an organizational model for Ma Bell (that's right the exec who organized Ma Bell into a powerhouse was a former Railway Post Employee).  The Republican Congress (and Blue-dog Democrats too) are killing this National Asset. The Post Office is essential to the basic components of our society. Its bullshit that electronic mail etc is making this form of communication obsolete. Much like the paperless office --paper is still needed. The Service needs to be capable and free to move with the market, not what some asshole Senator/Rep who's on the take from AEI or  Grover Norquist etc. How would they be able to recruit new members anyway without their stupid solicitation *""junk""* mail? You can't delete a piece of junkmail with a click.. you actually have to touch it. Why do you think business still make goddam catalogs. Victoria's secret must have an entire forest dedicated to theirs'.  This is also a thinly veiled attack on Veterans. US veterans get preferential status when taking the postal exam, yes exam. That guy or gal behind the counter might just have taken a bullet for this pathetic excuse for a country. He or she was repaid by getting a few extra points so that he/she could potentially get a decent paying job with promotional potential, you know not be fucking homeless. WTF is wrong with that? Gee i think i know why the number of homeless veterans has increased in the past 10 years. You become a career post office employee by taking an exam. And what's wrong with being a Career Postal Employee? A Letter Carrier, A Postmaster? WTF do we look down upon these careers.. My kids watch Sprout and PBS kids programs and guess who brings goddam birthday cards? It aint the goddam FedEx, UPS, or DHL man. These are careers and individuals that are pillars of our society. You meet people at the post office, you interact with other citizens, and the Post Office in your Town give your Town legitimacy!   Its really sad..   TL:DR  **What Congress is allowing to happen to the Postal Service is a fucking crime!**"


It stopped the flood of Apple lawsuits by filing Google's pocket with a huge pile of patents.  Basically created an uneasy Mutually Assured Destruction situation with regards to patent lawsuits.  So, not a whole lot of direct shareholder value, but it allowed Google to stay in the market without having to constantly defend itself from lawsuits for dumb things like rounded corners on a phone.


It is a necessary process to inspect the building. If you want to buy a building in future, then you should search a good experienced team, that's done professional work. As you know, today so many problems are creating. We perform by a good  inspector, the Assured Building Inspections are the most and  regulatory building inspection safety agency, which is available in your city. We are responsible for overseeing the most effective and efficient services. It's also known as Australia's largest  pre purchase building inspections Newcastle NSW. Building inspectors impact the making plans and creation levels of initiatives and investigate compliance with constructing codes.


In the UK we give small businesses the option not to charge sales tax and as a business owner I can see a parallel.  Then I think about it from the perspective of a black, career-focused woman who happens to be put in front of a racist HR manager who thinks all women are baby factories and I realise it's not the right solution at all.


Brilliant idea, because hiding the data always works so well.  What does she think is going to happen when the data is finally leaked?    It will be far worse than if they had released the data with a commitment to correct the situation.


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-07-27/libor-to-end-in-2021-as-fca-says-bank-benchmark-is-untenable-j5m5fepe) reduced by 90%. (I'm a bot) ***** > The 58-year-old Bailey said the market supporting Libor - where banks provide each other with unsecured lending - was no longer &quot;Sufficiently active&quot; to determine a reliable rate and alternatives must be found.  > The FCA has spoken to the panel banks over recent months about ending the use of Libor and how much time it would take to wind-down, Bailey said.  > The central bank said in April that a swaps-industry working group had proposed replacing Libor in contracts with the Sterling Overnight Index Average, or Sonia, a near risk-free alternative derivatives reference rate that reflects bank and building societies&#039; overnight funding rates in the sterling unsecured market.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6q00cb/libor_funeral_set_for_2021_as_fca_abandons/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~177344 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*: **bank**^#1 **rate**^#2 **Libor**^#3 **Bailey**^#4 **benchmark**^#5"


"Taxing wealth is an easy idea, but I don't think it can ever work. Wealth is too easily hidden, transformed, or revalued. Taxing actual cash flows works because two parties have to declare it. Taxing wealth would cause huge conflicts as to how wealth is measured. That said, I'm a big fan of the idea that the estate tax should be massively increased, and would only involve a single evaluation per taxpayer, rather than every year. Taxing more measurable forms of wealth, like stocks, would cause wealth to flow from stocks into property, which would then be valued as low as possible, causing a general market crash and another great depression.  I'm most curious about a Georgian tax scheme, which is where taxes are levied on un-improved property. Per wikipedia: ""Georgism, based on the belief that people should own the value they produce themselves, but that the economic value derived from land (including natural resources) should belong equally to all members of society.""   So most taxes in society would be generated by those who owned property as a speculation and didn't invest in it. Incentives would be to make all property held privately be as economically productive as possible."


It's interesting that legacy manufacturing practices are now becoming important.  How long until we see a lot of the traditional industrial control world get involved in the cannabis business?  I can't wait to see Eaton and Siemens spin up their marijuana divisions.


>ovarian lottery  It's not a lottery. That's offensive! I am sure your mother was choosing her husband (your future father) very carefully. And so did your grandmothers, and the generations before them.   You exist because there's is an entire unbroken chain of your ancestors, each carefully (hopefully) choosing their partners, and each working hard to let the next generation survive.


See, now you are confusing me. Is it one day or 4 years? :P  It's cool. I'm just giving you a hard time. I'll be honest, I'm scared to death that my 401k is going to tank worse than 2008. Overall, I think the trends for the stock market are positive, but there are points where it hurts. I know my dad is close to retiring and he still hasn't recovered from 08.


و Halal2020 توفر لعملائها منصة محلية ودية للمستهلكين لشراء الحيوانات على الانترنت وبيع والتجارة.يمكن للمستخدمين من جميع أنحاء دبي وضع الإعلانات المبوبة مجانا المتعلقة الصقور للبيع. المزيد والمزيد من الأفراد يبحثون عن الصقور في السوق كل يوم ولكنها ليست بسيطة كما كنت تعتقد أن تجد الصقور في السوق أو في الشارع. صقور للبيع  ولكن من الأهمية بمكان أصحابها يدركون أن ليس كل شيء، ما نعتبره يعامل، هي آمنة لأصدقائنا الخيول. فمن خال تماما لنشر الإعلانات المبوبة على هذا الموقع المتعلقة الطيور دبي للبيع الإعلانات المبوبة.


You must file an FBAR when doing your taxes.


"College courses focus mainly on theory. In the real world you'll need to learn the tools to gather and analyze the data.  For the most part what is taught in college is pretty worthless. I remember my database class in business school was about ""database theory"". Is was a complete waste of time and money. Didn't learn a single useful thing.  Learning these hands on things will put you ahead of 95% of your peers.  SQL is the coding language used in data bases  R is used for statistical analysis   OBIEE is a reporting tool that can link to data bases then report the data  Tableau another reporting tool the is more visual than OBIEE  None of the things are difficult to learn. So don't be intimidated.   TLDR I learned more by spending $100 on udemy then in college."


The reciprocity agreement in the Washington DC area means that you only pay income taxes where you live, not where you work. Because you live in Maryland you only need to pay income taxes to Maryland. You need to do the following things. Line 3. If you are not subject to Virginia withholding, check the box   on this line. You are not subject to withholding if you meet any one   of the conditions listed below. Form VA-4 must be filed with your   employer for each calendar year for which you claim exemption from   Virginia withholding.  (a) You had no liability for Virginia income tax   last year and you do not expect to have any liability for this year. ... (d) You are a domiciliary or legal resident of   Maryland, Pennsylvania or West Virginia whose only Virginia source   income is from salaries and wages and such salaries and wages are   subject to income taxation by your state of domicile. My company has its only office in Maryland, and conducts all of its   business there. Several of our employees are Virginia residents who   commute to work on a daily basis. Are we required to withhold Virginia   income tax from their wages? No. Because your company is not paying wages to employees for services   performed in Virginia, you are not required to withhold Virginia tax.   If you would like to withhold the tax as a courtesy to your employees,   you may register for a Virginia withholding tax account online or by   submitting a Registration Application. Additional withholding per pay period under agreement with employer.   If you are not having enough tax withheld, you may ask your employer   to withhold more by entering an additional amount on line 2.


If Bigot Bobby's Bar refuses to serve, say Jews, NO ONE LOSES ANY NATURAL RIGHTS.  No one is harmed thereby.  When Bigot Bobby is FORCED to serve anyone against his will, HIS natural rights to property, privacy, and association are violated.  If you don't think so, then why don't you insist on equality rules for private dinner parties or club membership?  By your reasoning, churches ought to be forced to do things on direct violation of their beliefs.  Oh, wait, Obama has already done that...  Yours is a digusting worldview based on force.


"It really depends a lot on you and how much time you are putting into it. Since you're saying you want your money to work for you I'm going to assume you want as little hassle as possible. A few general tips: Save a fixed percentage of your monthly income Don't try to save ""whenever you have money left over"", you will just end up spending it somehow. Invest long term - don't trade Don't try to beat the market - it will just take up too much time and statistically you will end up making less. Hedge If you invest in the company/industry you work in, you will be double screwed if the sector drops (lose job + savings at the same time). Optimally you should invest in something that will benefit when the company you work for is doing bad. Pay off high interest debt Usually debt will have a higher interest than any safe investment you can make. Spend money to save/make money Sometimes the best investment you can make is on stuff that will save you money in the long run. Like buy an apartment close to work (less transport costs) or get a more expensive car that will save you money on gas, insurance etc."


I don't believe in letting the tax tail wag the investing dog. You have a stock you no longer wish to hold for whatever reason? Sell it. But to sell a loser, hoping it doesn't rise by the time you wish to re-buy it in 30 days is folly.  This effort may gain you $50 if done right. No, it's not worth it either way.


">I, for one, look forward to being able to sue the state.  You don't know what investor state is.   Are you [one of these 75,000 corporations](http://www.citizen.org/TAFTA-investment-map) or are you a country?   If you're not, you don't exist to the FTAs.   They were designed to make swift work of your ""rights""."


I'd value your business at about $70k. $20k inventory, $50k in yearly sales.   You have a good margin, but your growth went from 300% in 2016 to almost flat this year. What happened? How are you using the $25k in profit?


"Creating a better interface is simply not difficult.  For users of Windows on desktop machines, it really wouldn't be that difficult to ditch some of the screen-saving efforts that are deliberately aimed at tiny handheld devices--or at least provide options to do so.  Desktop monitors are now larger/cheaper than ever--why pander to a small-screen environment when the result forces users to learn a new interface that frankly doesn't even benefit them?  I agree Microsoft needs to address the handheld/tablet niche, but they don't need to force everyone into their daffy interface when they don't benefit from it.  Plus, as recw has said, the interface is split, with several sets of data files (like IE bookmarks).  Same with the skype interface, same with the tiled interface for email which may or may not include your local/cloud installation of Outlook, plus ""Email"", plus online access for email.  It confuses the hell out of the Boomers I work with, and that confusion is not necessarily the Boomers' fault--the interface was changed for the sake of change and they cannot realize any benefit from it on their laptops/desktops.  Some versions of Windows 8 come on hardware that doesn't even have touch-screens!  Stupid."


Here are the events, trade fairs, and Expos which take place in August 2017 in Vietnam. Let's watch and keep up with the business pace. _________________________________________________________________  TRADE FAIR & EXPO* is a service package designed for companies who come to Vietnam to attend Fair and Expo to promote their products as well as look for customers. These are the services we offer our customers:  1. Event Registration and Booth Setup 2. Sales Supporters and Interpreters 3. Post-event Report and Contact Lists. * Entry Visa, Hotel Booking, and Car Rental are included __________________________________________________________________ For more details about how we are helping business, please feel free to contact us at:   • Hotline: +84933665346  • Email: vnbusinesstrip@gmail.com • Telephone: +84 839 453 999 • Website: www.vietnambusinesstrip.com


I contend that there is great value in over-paying during the year and reaping a bigger refund.  I'm an engineer and understand the concept interest earned, blah blah. But for most of us, this isn't reality. The reality is that we spend what we earn, plus a little more.  At the end of each month, if the typical American has money left over - we spend it. We don't faithfully put that money that we would have payed into taxes to good use (such as savings or paying off that credit card).  Getting that big refund at the end of the year tends encourage us to make that one-time large payment to that high interest account, or to purchase that item that we otherwise wouldn't have saved for (or purchased with a credit card).  I say, give Uncle Sam the free interest - you'll have wasted that money during the year anyway - and enjoy a nice healthy refund that you can put to use for something you enjoy.  Life is just too short.  [Edit] For the nose snubbers that can't think beyond the possibility of a different perspective: Link1 Huff Post SteveJ


"While Googling answers for a similar personal dilemma I found Mvelopes. I already have a budget but was looking for a digital way for my husband and I to track our purchases so we know when we've ""used the envelope"". It's a free app."


>These companies and others, including software developer GalaxE.Solutions Inc., say some complex functions, such as human-resources and software development, are better to have closer to their own operations and to respond to customers. Indian outsourcing companies are finding it tougher to get visas for workers brought from India, and some U.S. businesses want to outsource -- yet keep jobs in the country. State tax breaks also provide incentives to hire locally.   I stop reading after that. Outsource, Offshore, In-source...whatever the next fad buzz word that upper management can dream up is all about the bottom line. It's about the money!


In addition to the difference pointed out by Dheer (see also this Wikipedia link), another meaning is that Private Bankers are those people on the bank staff who deal with personal accounts and people who wish to deposit money in the bank, while the people who use the deposits to loan money to businesses, underwrite bond issues etc are called Investment Bankers or sometimes Merchant Bankers since these staff members deal primarily with merchants, or invest the bank's deposits in various ways.


"**Here's a sneak peek of /r/RedditCensorship using the [top posts](https://np.reddit.com/r/RedditCensorship/top/?sort=top&t=year) of the year!**  \#1: [Three mods were removed by admins from The_Donald](https://np.reddit.com/r/The_Donald/comments/6c7oss/first_universities_then_the_internet_then_they/) | [269 comments](https://np.reddit.com/r/RedditCensorship/comments/6c7rk4/three_mods_were_removed_by_admins_from_the_donald/)   \#2: [Reddit has removed their blog post identifying Eglin Air Force Base as the most reddit-addicted ""city"" - Eglin is often cited as the source of some government social-media propaganda/astroturfing programs • /r/Blackout2015](https://np.reddit.com/r/Blackout2015/comments/4ylml3/reddit_has_removed_their_blog_post_identifying/) | [1 comment](https://np.reddit.com/r/RedditCensorship/comments/4yly07/reddit_has_removed_their_blog_post_identifying/)   \#3: [reddit is developing a site-wide filter to remove offensive content](https://np.reddit.com/r/ModSupport/comments/658cu2/my_sidebar_is_being_incorrectly_flagged_as/) | [4 comments](https://np.reddit.com/r/RedditCensorship/comments/65bj9j/reddit_is_developing_a_sitewide_filter_to_remove/)  ---- ^^I'm ^^a ^^bot, ^^beep ^^boop ^^| ^^Downvote ^^to ^^remove ^^| [^^Contact ^^me](https://www.reddit.com/message/compose/?to=sneakpeekbot) ^^| [^^Info](https://np.reddit.com/r/sneakpeekbot/) ^^| [^^Opt-out](https://np.reddit.com/r/sneakpeekbot/comments/6l7i0m/blacklist/)"


Depending on how tech savvy your client is you could potentially use bitcoin. There is some take of indian regulators stopping bitcoin exchanges, meaning it might be hard to get your money out in your local country but the lack of fees to transfer and not getting killed on the exchange rate every time has a huge impact, especially if your individual transaction sizes are not huge.


">""Also, the social network is testing ways to allow those under 13, currently prohibited, to participate with parental supervision."" Which seems (from a cynical perspective anyway) to be a sign that they are potentially getting ""desperate"" to maintain the purported ""growth"" in number of users.  Exactly what I thought when I read about this in this week's businessweek. That is a huge call of desperation."


I've been thinking about this.  Here's what I came up with.  Please let me know what you think.    1. The whole world is on a FIAT money system.  The central banks were all easing together in a coordinated way.  So currencies remain relatively stable relative to each other.... Also, the price of goods isn't rising nearly as quickly as the money supply is being expanded because:   2. The growth of the internet/globalization are deflationary because skilled people in 'poor' countries have access to the global marketplace and are willing to produce far more per dollar than 'rich' country citizens.  3. The growth of inequality is deflationary.  As wealth concentrates at the top, there are fewer and fewer customers who can afford the products/services that are being mass produced.  So there's a mismatch between high supply and low demand.  4. A poor/slow economy (low spending, debt defaults and business/personal bankruptcy) is deflationary.  We treat credit as money, and when debt is wiped out so is the credit that we were accounting for in the money supply.  5. The money created over the last 10 years or so hasn't had a chance to 'trickle-down yet'... it's still tied up in financial market instruments (stocks, bonds, ETFs, etc.) held by, mostly, institutional investors until the next big bubble bursts.   So, there are many deflationary forces to balance out against the money creation.


Keep it simple, there is a good comparison site where you plug in how much money you want to send, and it tells you what all the major providers will end up giving you in Euros on the other end. Lots of the 'free' services give you a shit exchange rate. GBP->EUR is very competitive so when you go with non-banks you can pay very little (down to 0.1% in exchange rate differences). https://www.fxcompared.com/ is one such site. I plugged in sending 10,000 GBP to Spain, and TorFX came out best with you (at this moment in time) receiving 12,547 euros.


With interest rates as low as they are, you could lock in to a very low rate for 30 years. If rates are higher in, say, 10 years, you could conceivably be earning a much higher rate on the money you're not putting towards monthly payments. All else equal, the payments will be lower on a 30y than they will be on a 10y, so you'll have more cash for other things. But I'm just looking for downsides -- being paid off in 10 years versus 30 sounds nice to me.


"All very true.  Keep in mind that the parents of the boomers saw it all coming first and took full advantage of the opportunities.  In 1972 the rent prices just plain exploded, just in time for all those 20 something boomers who were leaving home. Those rents ""bid up"" housing prices.  I bought an old house in 1972, on rent with option to buy or contract for deed, same thing, for $10,900.00 and sold it for $17k in 77.  I would expect to see more ""rent with option to buy/contract for deed"" sales when the flipper crowd realizes they need to address the fact that buyers can be found without using banks."


I learned something new, I always thought it was the camery being number selling vehicle. Why not other trucks? Why is f150 so popular by that far?   Even with this kind of sales number they still needed bailout, surprised. I guess I don't know business costs.


"Staying single can be a better bet for women, though, many of whom appreciate having more flexibility in terms of how to structure their personal lives than they did several decades ago. Sociology professor Pepper Schwartz writes, Women now have choices that allow them to customize the arc of their lives and some of them find that it is best for them to put marriage aside."" Husbands who are ""nonworking, noninvolved,"" she points out, can be ""useless."" Schwartz concludes that, now that they generally have economic and cultural freedom, women no longer are willing to settle: ""While most women still want marriage, they don't want it at just any price. They don't want it if it scuttles their dreams."" ""  Thank god they think like that. I don't want to marry women who see men in that light smh"


What I'm seeing in US cities now reminds me of Europe: wealthier people living in walkable city neighborhoods, forcing the poor out to the 'burbs.   The one, big catch is schools. In the US, urban living for families with kids often means a choice between bad schools or costly private schools, while some suburban public school districts offer both high quality and low cost. That's what locks so many families into the two-cars-and a-minivan life.


2 very viable options.  Real Estate is cheap now and if you hold a few properties for the long term the price should rise.  You can use them as rental properties to supplement your income.  In addition agriculture is also very viable.  How else you gunna feed 7 billion?  Might as well cash in on that.


I have a Albertan corporation and my accountant set up my shares and options for free.   1. Get a NUANS repot.  2. Go to a registry office and get the incorporation paperwork 3. Get an accountant to help you fill out that paperwork for free (they assume you will do your accounting with them after the fact) 4. Go back to a registry office and register the corporation  5. Go have a beer you'  re new company   6. go get a bank account.  7. Get to work


"An opinion piece, written to read like a factual article. My opinion is, a bigger phone would, to me, be far better. I have no problem fitting a Galaxy Note 3 into my pocket, and, while I had to learn a modified grip style, had no trouble reaching every corner of that whole screen with my thumb.  I remember, back in 1991, my company was delivering and installing brand new computers into an office, and there was this older lady standing in the way of the dolly waving a 2.5"" floppy disk (from those old typewriters with a single LCD panel) screaming, ""What is wrong with you people! This is all we need! This is stupid!"" Etc.  After about an hour of taking this, and weaving around her increasingly shrill presence, one of her coworkers pulled her away, saying, ""Margaret, get out of the way of progress."""


1) Don't trade individual stocks. You expose yourself to unnecessary risk. 2) Pick a fund with low expenses that pays a dividend. Reinvest the dividend back into the fund.  To quote Einstein: The greatest power on earth is compound interest.  Something is wrong with the software of the site. It will not allow me to answer mark with another comment. So I have to edit this answer to be able to answer him.  @mark No, I am not hoping the price will go up. The price is only relevant in comparison to the dividend. It is the dividend that is important, not the price. The price is irrelevant if you never sell. Dividend paying securities are what you buy and hold. Then you reinvest the dividend and buy more of the security. As I am buying the security with the dividend I am actually pleasantly surprised when the price goes down. When the price goes down, but the dividend remains the same, I am able to buy more shares of the security withwith that dividend. So if the price goes down, and the dividend remains the same, it is a good thing.  Again, the site will not allow me to add another comment. @mark I profit from my investment, without selling, by receiving the dividend. I used to be a speculator, trying to get ahead of the market by 'buy low, sell high' but all that did was make money for the broker. I lost as much as I gained trying to do that. The broker made money on each transaction, regardless if I did or not. It took me decades to learn the lesson that 'buy and hold' of dividend paying securities is the way to go. Don't make my mistake. I now get, at least, 5.5% yeald on my investment (look at PGF, which forms the backbone of my investments). That is almost 0.5% per month. Each month that dividend is reinvested into PGF, with no commission. You can't beat that with a stick.


"0% is too low, 100% is too high. There is some optimal number between the two where we get good economic growth without being overly punishing to billionaires (unless you want to just take everything from them and are pro-dictatorship and are ok with both Obama and Trump deciding what to do with 100% of your money). If we're under that optimal number and want to move it up, people will say you're stealing from the rich even though you're actually moving to a more optimal number. If we're over that number and want to move it down, people will sarcastically say ""Yeah, won't somebody think of the billionaires?!"" even though you're actually moving to a more optimal number.   It's economists, not politicians or talking heads who are best qualified to choose what that number should be. We can at least narrow it down then to between 50%-80% for high income earners: https://dash.harvard.edu/bitstream/handle/1/4263739/mankiw_optimaltaxationtheory.pdf?sequence=2"


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Makes me wonder why childcare never really fell in price while everything else did. We should all be living like the british in the 1700s sending kids off to boarding schools and having nannys so we never have to see them until they're adults.


"Your contribution limit to a 401(k) is $18,000.  Your employer is allowed to contribute to your 401(k), usually a ""matching contribution"".  That matching contribution comes from your employer, so is not subject to your personal contribution limit. A contribution to a regular 401(k) is typically made with pre-tax money (i.e. you don't pay payroll taxes on the money you contribute) so you pay less taxes for the current tax year.  However when you retire and you take money out, you pay taxes on the money you take out.  On one hand, your tax rate may be lower when you have retired, but on the other hand, if your investments have appreciated over time, the total amount of tax you pay would be higher. If your company offers a Roth 401(k) plan, you can contribute $18,000 of after tax money.  This way you pay the tax on the $18,000 today, as you would if you did not put the money in the 401(k), but when you take the money out at retirement, you would not have to pay tax.  In my opinion, that serves as a way to pay effectively more money into your 401(k). Some firms put vesting provisions on the amount that they match in your 401(k), e.g. 4 years at 25% per year.  So you have to work 1 full year to be entitled to 25% of their matching contribution, 2 years for 50%, and 4 years to receive all of it.  Check your company's Summary Plan Description of the 401(k) to be sure. You are not allowed to invest pre-tax money into a Traditional IRA if you are already contributing to a 401(k) plan and have reached the income limits ($62,000 AGI for single head of household). You are allowed to contribute post-tax money to a Traditional IRA plan if you have already contributed to a 401(k), which you can then Roll-over into a Roth IRA (look up 'backdoor IRA'). The IRA contribution limit applies to all IRA accounts over that calendar year.  You could put some money in a traditional IRA, a Roth IRA, another traditional IRA, etc. so long as the total amount is not more than the contribution limit. This gives you an upper limit of 5.5k + 18k = 23.5 investments in retirement accounts. Note however, once you reach age 50, these limits increase to 6.5k (IRA) + 24k (401(k)).  They also are adjusted periodically with the rate of inflation. The following approach may be more efficient for building wealth: This ordering is the subject of debate and people have different opinions. There is a separate discussion of these priorities here:  Best way to start investing, for a young person just starting their career? Note however, a 401(k) loan becomes payable if you leave your company, and if not repaid, is an unauthorised distribution from your 401k (and therefore subject to an additional 10% tax penalty). You should also be careful putting money into an IRA, as you will be subject to an additional 10% tax penalty if you take out the money (distribution) before retirement, unless one of the exceptions defined by the IRA applies (e.g. $10,000 for first time home purchase), which could wipe out more than any gains you made by putting it in there in the first place. Your specific circumstances may vary, so this approach may not be best for you.  A registered financial advisor may be able to help - ensure they are legitimate: https://adviserinfo.sec.gov"


Got it. I can definitely see how it can come across that way especially with all of these big tech companies lining up against the proposal. My understanding is that a lot of that is more driven by their size than anything else; the media focuses on the impacts to Amazon and Facebook because they're huge companies and it's easier to get information on them.  But when it comes to who would get hurt the most by removing NN, it's actually small businesses and startups that would suffer the most. In a world without net neutrality, ISPs would be able to provide access to web services at different speeds. For example, if you are a Comcast customer, if Comcast has a deal with Amazon Prime, they can make it so that your access to competing services like Netflix and Hulu are throttled -- moving so slow that it will be hard to use anything other than Amazon Prime Video.  Now, if that happens, it will be annoying for companies like Facebook, Netflix, Google, etc. to have to pay extra for internet users to be able to use them. But they could do it; they have the money. The people who would struggle are people who own smaller businesses and smaller websites; when they're just starting out, they won't have the money to pay the ISPs to let people access them, and as a result they could be essentially locked out of many marketplaces. This is the argument made by people who say that removing net neutrality will stifle small business; removing the regulation would create this built-in structural advantage for large, established businesses and leave smaller businesses locked out.


"Yes, Interactive Brokers is a good source for live data feeds and they have an API which is used to programmatically access the feeds, you will have to pay for data feeds from the individual data sources though.  The stock exchanges have a very high price for their data and this has stifled innovation in the financial sector for several decades in the united states. But at the same time, it has inflated the value and mystique of ""quants"" doing simple algorithms ""that execute within milliseconds"" for banks and funds.  Also RIZM has live feeds, it is a younger service than other exchanges but helps people tap into any online broker's feeds and let you trade your custom algorithms that way, that is their goal."


> or their ability to purchase more or if you own a business you need the fire service to protect your business operating during/after a crisis as well as your home.  Then I'll pay for those services as I use them.  Not before.  >except its much cheaper for everyone if it is all bound up together, and provided by the government.  It's not cheaper for me.  I don't have kids, no public school.  I work from home, no commuting.  It's a lose/lose scenario for me.  >I understand the anti big government argument  I work for the government.  Many of the government services are valuable.  It's just seems more logical to pay for them as you use them, like every single other business works.  >NO COUNTRY does it the way you are saying  Even more reason to test the experiment.  Let's give it a try and see what happens.  I'm sure I'll be fine.  >I understand the anti big government argument  Actually you don't.  You just want free shit like everyone else.


You're really confused.  You need to go back to finance 101 about the concept of corporation and shareholders  This is too much to take apart (i.e.: contribution is not a loan, and can't be called.  Shareholders are not partners......).  Sorry bro, not trying to burst your bubble, but any academic business finance 101 book or OpenCourseWare will cover this and more.


"The answer probably varies with local law, and you haven't said where you're located. In most or all US states, it appears that after some statutory length of time, the bank would transfer the money to the state government, where it would be held indefinitely as ""unclaimed property"" in the name of the recipient (technically, the payee, the person to whom the check is made payable).  This process is called escheatment.  Most states publish a list of all unclaimed property, so at some later date the payee could find their name on this list, and realize they were entitled to the funds.  There would then be a process by which the payee could claim the funds from the state.   Usually the state keeps any interest earned on the money. As far as I know, there typically wouldn't be any way for you, the person who originated the payment, to collect the money after escheatment.  (Before escheatment, if you have the uncashed check in your possession, you can usually return it to the bank and have it refunded to you.) I had trouble finding an authoritative source explaining this, but a number of informal sources (found by Googling ""cashier check escheatment"") seem to agree that this is generally how it works.  Here is the web site for a law firm, saying that in California an uncashed cashier's check escheats to the state after 3 years. Until escheatment occurs, the recipient can cash the check at any time.  I don't think that cashier's checks become ""stale"" like personal checks do, and there isn't any situation in which the funds would automatically revert to you."


This is something better asking a licensed professional (EA/CPA licensed in the US) who's also familiar with your home country tax law and the tax treaty your home country has with the US. Assuming no tax treaty and adverse tax consequences at home, you can have this scenario: The last step is critical - unless there's a tax treaty, not every country allows foreign tax credit (tax treaties usually have a provision to avoid double taxation), and you may end up paying both the US tax and local tax on the same money. If there's a tax treaty - step #4 is most likely guaranteed. Step #4 may not work in some places that would not consider the penalty as tax. Again - check it with an accountant proficient with the local law. Step #3 depends on your country. Some countries ignore foreign deferred compensation rules and consider the 401k amounts income to you when it was deposited (the US treats foreign tax deferred accounts this way, I believe that is also the case in India). So you should check locally. In this case you have probably paid taxes (or were exempt) on this amount when you earned it and will not pay taxes again. But then you might also not be able to claim the 10% back as credit. Leaving it is an option, although with such an amount is hardly worth it. You'll have to check how your country deals with foreign accounts of its citizens (the US, for example, puts an enormous reporting and tax burden on these, some countries forbid them altogether). This also applies to step #1.


What you want is the distribution yield, which is 2.65. You can see the yield on FT as well, which is listed as 2.64. The difference between the 2 values is likely to be due to different dates of updates. http://funds.ft.com/uk/Tearsheet/Summary?s=CORP:LSE:USD


Just because it's made in China doesn't mean it's garbage. Their hand tools have won multiple awards in the past several years and they have an unlimited lifetime warranty. If something breaks all you have to do is head over to the closest Kmart or sears and they'll replace it on the spot. You don't have to deal with shipping and waiting weeks to get a replacement.


"There are different approaches, but here is what we do and what I recommend.  Now that you are officially a married couple, open a joint bank account, and eliminate your individual accounts.  There are several reasons for this. Having a joint account promotes unity and teamwork.  When you only have a joint account, you do not have ""your income"" and ""her income,"" or ""your expenses"" and ""her expenses.""  You work together in everything.  You discuss your goals and set your household budget together.  If one of you makes more money than the other, that person is no longer ""worth more,"" because your incomes are pooled together.  If one person with a higher income has more in their account than the other person does, it can lead to envy, which you do not want in your marriage. Having a joint account is more efficient and makes more sense.  With separate accounts, who pays the rent/mortgage?  Who pays the utilities, or buys the food?  If you have separate accounts, it takes a lot of work to worry about what is ""fair"" when deciding how to divide up the expenses.  With a single household budget and a joint account, you decide together what the household expenses are, and they get paid from one account.  If one of you has debt, you both have debt.  You work together to get it paid off and strengthen your financial situation in the process. Having a joint account forces you to discuss your finances together.  Working toward common financial goals together is crucial in a strong marriage, but if you maintain your separate accounts, you might be tempted to put off these discussions until you are forced to by life circumstances.  It is better to work together from the start, and joining your finances facilitates that. You are intending your marriage to last.  Live your financial life like you believe that you are a team for life.  If you live in a community property state, separate accounts are a fiction anyway; everything is treated as if it was pooled together in the event of a divorce. I understand that if you are used to having your own money, it can be difficult to give up that sole control over your income, but in my opinion, it is worth it.  You will certainly hear of examples from couples who maintain separate accounts and make it work.  In my humble opinion, combining your finances completely is easier to do right."


The missing money is not money that was invested in MF Global Holdings Ltd. for an ownership share of that company, but money in accounts for which that company was responsible.  And yes, if you take money from customer accounts and use it as if it's your own, then as I understand it you are guilty of a crime.


I don't think this is a French thing.  It's like this everywhere.  Banks always want people to open accounts of every type.  A person with a checking account should be easy to sell on a savings account at the same institution. Given that it does not appear that they will have any chance to recover the money they spend to get customers to open these accounts (there are no fees and they have to pay out the interests, even if very small) Oh, they recover it.  Banks make money by having deposits that they can use to lend out.  They do pay interest on deposits, but not as much as they earn on your money.  If they persuade you to have a savings account in addition to your checking account, then you might find it convenient and then move your money out of a different institution into their savings account.  Or you might stop hoarding it under your mattress.  Or whatever.  More money in their accounts means more profit for them. I don't know whether banks make more profit per dollar in savings or checking accounts.  I see banks pushing for both.  I think they simply view more accounts as a good thing because it can lead to more total savings in their institution.  That's how they make money.


"First and foremost you must remember that they are people (something I don't think you have trouble with, but others might). When dealing with increasingly desperate financial struggles, it's not uncommon to allow financial trouble to define you, or for others to see you only as ""poor"". Money is a human creation. It's not real, like fire or water, and ""money problems"" is a misnomer. Whatever problems they have, money is only one symptom. Often, dealing with those deeper human problems, such as lack of confidence, depression, fear or behavioral issues, is the key to correcting ""downstream"" problems like poor money management. Not that learning how to manage money isn't important, but it doesn't sound like that is the primary issue in this case. Westerners tend to view money trouble as distinct from other problems. The answer to money troubles is often understood to be ""more money"" or ""smarter money"" - earn more or spend better. It helps to step back and look beyond finances. What's going in their lives? How does that make them feel? Do they feel unimportant or valueless? How's their family life? Do they have good emotional support, or are they running ""on empty"", trying to fill the emptiness with other things (like games, for example). (Simply telling them to stop purchasing games, for example, without finding a better replacement just perpetuates the feelings of shame, valuelessness and emptiness.) Discovering the deeper elements of your friends' situation is much more complicated than giving them money or paying for a financial counselor (neither of which are bad things), but it may make a tremendous difference not just in your friends' bank account, but in their lives as well. My wife and I have experienced all of this first-hand, so I know the predicament you are in. We've even had people in tough financial situations live in our home with us. In all the situations in which we've been close enough to understand context, money wasn't the primary issue. It's always been something else, more often than not family, but not always. I've found the book When Helping Hurts helpful for gaining some perspective, though it's not a perfect match (since it deals more with poverty on a grand scale). You may still find it helpful in terms of general principles, but, ultimately, each situation is going to be unique and no one-size-fits-all strategy exists to solve all problems. In the end, building a deeper relationship is the best path toward finding a long-term solution."


"The writer's ""you didn't build that"" rhetoric isn't necessary. Burger King has paid it's share of taxes that finance roads, copyright laws, and meat inspectors.  If BK owes the USA for its success,  then the other side of that argument is that all the millions of restaurants that failed should blame the USA."


Well, the revenue of his restaurants in [2015](https://www.forbes.com/sites/abrambrown/2015/06/29/the-chef-that-ate-the-world-how-gordon-ramsay-earned-60-million-last-year/#28883a774e2f) was about $150m.  Restaurants usually have margins in the 5-20% range.  His are high end, so call it 20%.  A 1% increase in costs would be $1.2 million.  So, facing that, it is worth getting together some buyers to see if he can get better prices.


"You will have to check SEC forms to know this in full. A publicly-traded company will have an amount of publicly tradable shares which can be easily found on their financial reports. But. that is not the only type of equity-like financial instrument that such a company can issue. A previous reply mentions ""follow-on"" public offering. However, a company may initiate a private equity offering without disclosing ahead of time, sometimes with warrants, or long-lasting options to purchase (new) stock."


"Yes they care about you having no health care, about your student loans, about their donations and outgoing favours and of course they care about you just enough for you to vote for them, so they say ""let's build a grand slam society"". Then idiots like you say ""wow this person is great!""  Representatives should always be held to an ever high bar but because there are too many people like you, they don't do anything except pitch slogans, followed by you sheeple giving them a round of applause."


Removing emotions from decision making is autistic. Imo people fail to be a fit because most people have empathy and emotions. You want a bunch of computers to run your shit fine, but to acknowledge their behavior is anything short of being on the spectrum is naive


How is adding loss leaders going to crush wall mart or Kroger?  Okay people come in and buy the new marked down items.  Then what?  They are going to quickly realize how expensive everything else is and never shop there or just shop there for the loss leaders.  To me this hardly seems like a plan that will crush other grocery stores.


I'm a 911 paramedic that brings in patients to ERs all the time. I've never brought a patient to an ER that wasn't staffed by an adequate number of doctors.  trauma centers are held to an even higher standard. The hospital group has too much to lose if they lose that trauma 1 or trauma 2 rating. They will always maintain adequate required staffing.


Fidelity has a good explanation of Restricted Stock Awards: For grants that pay in actual shares, the employee’s tax holding period begins at the time of vesting, and the employee’s tax basis is equal to the amount paid for the stock plus the amount included as ordinary compensation income. Upon a later sale of the shares, assuming the employee holds the shares as a capital asset, the employee would recognize capital gain income or loss; whether such capital gain would be a short- or long-term gain would depend on the time between the beginning of the holding period at vesting and the date of the subsequent sale. Consult your tax adviser regarding the income tax consequences to you. So, you would count from vesting for long-term capital gains purposes.  Also note the point to include the amount of income you were considered to have earned as a result of the original vesting [market value then - amount you paid].  (And of course, you reported that as income in 2015/2016, right?) So if you had 300 shares of Stock ABC granted you in 2014 for a price of $5/share, and in 2015 100 of those shares vested at FMV $8/share, and in 2016 100 of those shares vested, current FMV $10/share, you had $300 in income in 2015 and $500 of income in 2016 from this.   Then in 2017 you sold 200 shares for $15/share:


"The first red-flag here is that an appraisal was not performed on an as-is basis - and if it could not be done, you should be told why. Getting an appraisal on an after-improvement basis only makes sense if you are proposing to perform such improvements and want that factored in as a basis of the loan. It seems very bizarre to me that a mortgage lender would do this without any explanation at all. The only way this makes sense is if the lender is only offering you a loan with specific underwriting guidelines on house quality (common with for instance VA-loans and how they require the roof be of a certain maximum age - among dozens of other requirements, and many loan products have their own standards). This should have been disclosed to you during the process, but one can certainly never assume anyone will do their job properly - or it may have only mentioned in some small print as part of pounds of paper products you may have been offered or made to sign already. The bank criteria is ""reasonable"" to the extent that generally mortgage companies are allowed to set underwriting criteria about the current condition of the house. It doesn't need to be reasonable to you personally, or any of us - it's to protect lender profits by aiding their risk models. Your plans and preferences don't even factor in to their guidelines. Not all criteria are on a a sliding scale, so it doesn't necessarily matter how well you meet their other standards. You are of course correct that paying for thousands of dollars in improvements on a house you don't own is lunacy, and the fact that this was suggested may on it's own suggest you should cut your losses now and seek out a different lender.  Given the lender being uncooperative, the only reason to stick with it seems to be the sunk cost of the appraisal you've already paid for. I'd suggest you specifically ask them why they did not perform an as-is appraisal, and listen to the answer (if you can get one). You can try to contact the appraiser directly as well with this question, and ask if you can have the appraisal strictly as-is without having a new appraisal. They might be helpful, they might not. As for taking the appraisal with you to a new bank, you might be able to do this - or you might not. It is strictly up to each lender to set criteria for appraisals they accept, but I've certainly known of people re-using an appraisal done sufficiently recently in this way. It's a possibility that you will need to write off the $800 as an ""education expense"", but it's certainly worth trying to see if you can salvage it and take it with you - you'll just have to ask each potential lender, as I've heard it go both ways. It's not a crazy or super-rare request - lenders backing out based on appraisal results should be absolutely normal to anyone in the finance business. To do this, you can just state plainly the situation. You paid for an appraisal and the previous lender fell through, and so you would like to know if they would be able to accept that and provide you with a loan without having to buy a whole new appraisal. This would also be a good time to talk about condition requirements, in that you want a loan on an as-is basic for a house that is inhabitable but needs cosmetic repair, and you plan to do this in cash on your own time after the purchase closes. Some lenders will be happy to do this at below 75%-80% LTV, and some absolutely do not want to make this type of loan because the house isn't in perfect condition and that's just what their lending criteria is right now.  Based on description alone, I don't think you really should need to go into alternate plans like buy cash and then get a home equity loan to get cash out, special rehab packages, etc. So I'd encourage you to try a more straight-forward option of a different lender, as well as trying to get a straight answer on their odd choice of appraisal order that you paid for, before trying anything more exotic or totally changing your purchase/finance plans."


A search quickly led to http://www.cardfellow.com/blog/debit-card-credit-card-difference-charges/ which shows the difference in merchant fees charged. A $200 charge costs $3.50-$3.60, a debit charge, $2.34-$2.39 but a PIN Debit, $1.87. The debit cards are a full percent less cost to the merchant, so the money collected is less to use for rewards. (I can't help but wonder how my card gives me 2% cash back, no fee, when I never pay interest.)


"I hope people don’t see this as being facetious but invest some time in learning to do that with Excel. Most financial information websites (Yahoo, MSN, etc.) will allow you to extract all the data you need into excel. This way you can learn to do analysis with something that isn’t a ""black box"" (as to mean you don’t know the exact equations behind the outputs) whereas with excel you can delve into and really understand the equations behind the numbers you are looking at. If you use Bloomberg it does all that for you but if you are just starting out you may not truly understand what it means and how everything is connected. If you create the same with excel you have no choice but to deeply understand because you built it from scratch! I'm certian there are plenty of tutorials to help you out there as every analyst who has worked in finance since the advent of excel has had to create these at one time or another. Good luck!"


I have USAA and the home loan process was a nightmare.  My account was also compromised but I caught it immediately because they sent me an alert of a large sum of money being transferred to my checking account, so there is that.  I just found out that Navy Federal finally accepts Army veterans (it hadn't up until a couple of years ago) so I have an account with them just so I can get different loan options and credit card rates.  Navy Federal has minimums for getting ATM refunds while USAA doesn't, so for now I just have a savings account with them.


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I think he meant Oxford University in the UK, but he's wrong.   You can still pursue a career in Investment Banking even if you do not go to the aforementioned Ivy Leagues. As long as the university you are at is well-respected and you have few summer internships and leadership activities under your belt, it is possible but harder to break into!


Nowadays, Social networking websites are a great place to promote business, specifically for new and medium size business.  Some good social network websites provide excellent resources such as Facebook, MySpace, Twitter, LinkedIn,  YouTube, LiveJournal, Wordpress, Blogger and more. You can increase your business with the Social B2B network. There are many different types of networks and depending on your long-term or short-term goals, you may wish to join a hard contact network.


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The main benefit of paying off the loan early is that it's not on your mind, you don't have to worry about missing a payment and incurring the full interest due at that point. Your loan may not be set up that way, but most 0% interest loans are set up so that there is interest that's accruing, but you don't pay it so long as all your payments are on time, oftentimes they're structured so that one late payment causes all of that deferred interest to be due.  If you put the money in the bank you'd make a small amount of interest and also not have to worry about funds availability for your car payment. If you use the money for some other purpose, you're at greater risk of something going wrong in the next 21 months that causes you to miss a payment and being hit with a lot of interest (if applicable to your loan).  If you already have an emergency fund (at least 3-6 months of expenses) then I would pay the loan off now so you don't have to think about it.  If you don't have an emergency fund, then I'd bank the money and keep making payments, and pay it off entirely when you have funds in excess of your emergency fund to do so.


I do not know for sure so do not quote me on this. But I would assume that you will get paid out to what the value of the buyout is.  Example if your company has 100 private shares and you own 1 share (1%), and the company sells for $1,000,000. Your share will be worth 1% of the $1 million.


Most delivery drivers do that in my experience. They drop off the package and ring the doorbell to let you know it's there. No point in waiting if a signature isn't needed. I think it's fine.   I'm more annoyed by the ones that just leave the package and don't ring the bell.


You won't be able to know the trading activity in a timely, actionable method in most cases. The exception is if the investor (individual, fund, holding company, non-profit foundation, etc) is a large shareholder of a specific company and therefore required to file their intentions to buy or sell with the SEC. The threshold for this is usually if they own 5% or greater of the outstanding shares. You can, however, get a sense of the holdings for some of the entities you mention with some sleuthing. Publicly-Traded Holding Companies Since you mention Warren Buffett, Berkshire Hathaway is an example of this. Publicly traded companies (that are traded on a US-based exchange) have to file numerous reports with the SEC. Of these, you should review their Annual Report and monitor all filings on the SEC's website. Here's the link to the Berkshire Hathaway profile. Private Foundations Harvard and Yale have private, non-profit foundations. The first place to look would be at the Form 990 filings each is required to file with the IRS. Two sources for these filings are GuideStar.org and the FoundationCenter.org. Keep in mind that if the private foundation is a large enough shareholder in a specific company, they, too, will be required to file their intentions to buy or sell shares in that company. Private Individuals Unless the individual publicly releases their current holdings, the only insight you may get is what they say publicly or have to disclose — again, if they are a major shareholder.


A quick Excel calculation tells me that, if you are earning a guaranteed post-tax return of 12% in a liquid investment, then it doesn't matter which one you pick. According to the following Excel formula: You would be able to invest ₹2,124 now at 12% interest, and you could withdraw ₹100 every month for 24 months.  Which means that the ₹100/month option and the ₹2100/biennium option are essentially the same. This, of course, is depending on that 12% guaranteed return.  Where I come from, this type of investment is unheard of.  If I was sure I'd still be using the same service two years from now, I would choose the biennial payment option. You asked in the comments how to change the formula to account for risk in the investment.  Risk is a hard thing to quantify.  However, if you are certain that you will be using this service in two years from now, you are essentially achieving 13% in a guaranteed return by pre-paying your fee.  In my experience, a 13% guaranteed return is worth taking.  Trying to achieve any more than that in an investment is simply a gamble. That having been said, at the amount we are talking about, each percent difference in return is only about ₹22.  The biggest risk here is the fact that you might want to change services before your term is up.  If these amounts are relatively small for you, then if there is any chance at all that you will want to drop the service before the 2 years is up, just pay the monthly fee.


"I was simply giving my opinion. I have had 2 jobs and going into an internship. Again, ""I strongly believe"" means that I have a subjective statement to make.   I research tech and biotech companies. It's not a secret that coding, programming, and system data are going to be growing over the 100 years. As more and more companies go autonomous they will need the back end devs."


Really?  Tell me why then Microsoft runs it's own bus service?  Tell me why Microsoft contributed HEAVILY for the 40th St exit on 520 - shouldn't traffic be the state/municipalities problem?  Infrastructure when heavily leveraged by a major corporation becomes the corporation's problem.  The corporation has to exist within the infrastructure and needs to make it work for themselves, their employees, and the local communities that services them and their employees.  Otherwise, people move away, services are reduced, and the desire for employees to live there is lessened, making them targets for competitive recruitment.


I had great difficulty buying my $17,000 truck for cash.  One TD Canada Trust branch only let me have $5,000, the other branch down the street only $3,000.  They both said they were low on cash.  They kept trying to convince me to use a bank draft, but I didn't have a name or total amount as I was still shopping around.  I don't think banks carry much cash and it wouldn't take much to clean them out.


Some banks would allow you to export your transactions as CSV (they call it Excel export, but in many cases it's actually just CSV). However, I would not expect any bank to bother with creating anything like command-line access - return on such investment would be too low.  There are other ways to get information out of the banks, I'm sure - providers like Yodelee must be using something to fetch financial data - but those usually not for general public access.  Also, you can use something like mint.com to aggregate you banking data if you bank doesn't do good export and then export it from there. They have CSV export too.  If you need to do any actions though, I don't think there's anything like you are looking for.


"Lol. I once had to listen to someone who tried to convince me that I could gain 6% a year, risk free by investing in the financial institution he represented, while pitching something pre formatted he obviously didn't understand. Because of that and the sort of ""cult vibe"" I got from them I never returned. But my bad, see, I could have been rich right now."


I agree, but that's only a small fraction. You could even argue that the money that is not being paid in taxes isn't necessarily a bad thing as it's funneled back to investors, which also includes the common person that is saving for their retirement, which will also get taxed. Of course that's only for public companies.


Is there anywhere I can get further information? I ask because I'm thinking about an alternative theory of money where companies can issue bonds as currency, and we can have coexisting monetary policies.  These relate to what i'm saying:  http://www.reddit.com/r/finance/comments/utf5u/where_has_all_the_money_in_the_world_gone/c4yfkhg  http://www.radicalsocialentreps.org/2012/07/open-source-currencies-on-the-rise-in-greece/   http://www.businessinsider.com/why-are-central-banks-independent-2012-5  http://truth-out.org/news/item/11868-spain-and-greece-are-being-forced-to-suffer-to-save-germany-from-high-inflation


Amazon uses their AWS profits to subsidize all their other businesses. They can afford to sell groceries at a loss until most of the competition goes out of business. It's good for consumers in the short term, but I wouldn't say it's capitalism working as intended. Unprofitable businesses are supposed to fold, not be propped up indefinitely by deep pocketed investors. It's monopolistic behavior without the monopoly, which I don't think we've ever seen on this scale before, so we aren't sure what, if anything, to do about it.


the mother chose that sperm bank. the same applies to animals. unless you have been adopted though some agency, you could only have those two parents (and grandparents, and so on).   you are standing on the peak of a giant pyramid of generations, with each making a choice to produce and then feed/educate/etc. their offspring. the temporal/causal link only goes in one direction, from them to you.


"I would aim for 10% or less, because I believe 30% is where you start to get dinged on your credit score.  No one will know for sure, as there are many models, but 30% is brought up by radio host Clark Howard pretty often. Close annual fee cards or one store only cards.  Normally I would suggest ""leap-frogging"" your credit cards so that as you open a new one with no fees, you then close another that does have fees.  However I do not think opening lines of credit with an upcoming home purchase is a good idea.  It will reflect negatively that you are opening credit all over then place. I would shoot for such a low percent to make sure that the time it takes for reporting to happen will happen.  Also, as you gear up to buy a house, make sure your credit report is clean looking with all of these balances and cards you are considering closing."


>Sounds like bullshit. Silicon Valley is largely research and development, not manufacturing. Saying that you'll replicate the success of software engineers earning $120k a year by bringing in more $50k a year manufacturing jobs is misleading at best.   Today it is largely research and development but a few decades ago there was a production manufacturing capacity to it that was by in large far greater then what remains today.


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