"While I'm sure Reddit will declare Tesla awesome for doing this (because you know ""Tesla!!""), it's actually pretty fucked up that all they have to do is hit a button and everyone gets 30-40 miles more range from the same hardware.  They used the same batteries cross many cars but artificially limited the range on some to grab another $9k on the sale.  Yeah I know bunches of other corporations do it, but Reddit is usually pretty pissed about that type of business model and for good reason.  We should pissed at Tesla here too.  Wtf."


Patience is the key to success. If you hold strong without falling to temptations like seeing a small surge in the price. If it goes down it comes up after a period of time. Just invest on the share when it reaches low bottom and you could see you money multiplying year after year


Schiff is a goon. Most growth has come from the private sector over the last two years and GDP growth has actually been reduced due to cutbacks at the state & local government levels.   So, Schiff, who is always and forever claiming the sky is falling, failed to realize the largest burden on GDP growth in recent times has been the public sector.


> I've done it coach and I've done it business class, and I gotta say, business class, having just that extra bit of legroom to not get cramped.. it was easier to sleep and it translated to more energy and ability to get things done.  So you **preferred** doing it the more comfortable way, and perhaps felt you performed better after flying business class - but you were in fact **able** to do it both ways? Did I correctly understand your comment?


A currency broker will give you the closest rate to the interbank rate. Retail banks and money transfer companies take a spread (the difference between the interbank rate and the rate that they charge you) that is significantly higher than a broker. So search for a broker and get quotes for the amount you wish to transfer.


Coinstar lets you take 100% of your money in Amazon gift certificates.  Good as money in my mind :)


Ha! The Walmart receipt checkers are a joke. Also, you don't have to submit your receipt to them.  The theft was the main reason, but the machines broke down constantly and plenty of customers complained about them. Companies don't make decisions based on feelings. At one point, the grocery chain decided it was a better decision to get rid of them and let people take back over than continue with them.


Cari penjual kereta yang paling boleh dipercayai di Johor Bahru dan pilih kereta kegemaran anda dalam keadaan baik di Masai Auto City, kerana ia adalah salah satu yang paling boleh dipercayai untuk anda dari mana anda boleh membeli kereta terpakai. Kami memastikan wang yang paling rendah untuk setiap kereta syarikat yang sangat selesa untuk pembeli. Beli kereta paling banyak di kereta terpakai Tampoi used car seperti Toyota, Honda, Ford, Nissan, Proton, Perodua. Kami mempunyai lebih daripada 1000 kereta diperakui, jika anda ingin membeli kereta yang digunakan maka ini adalah masa yang baik untuk memilih kereta kegemaran anda.


I legitimately can't tell if this post is satirical.   Ethereum is a very unique technology because it allows for Turing complete computation on its crypto network. Basically allowing for much higher security for data transmission and processing on the web. The reason that the currency is valuable is that in order to encrypt this information and transmit it, you have to pay the network in ethereum. It's had the support of Accenture and is in use by the Luxembourg stock exchange.  I think they might know a bit more than the unnamed author of this article who doesn't think being able to inject code into a block chain is unique.


SEO and web design are undeniably an essential component, but they are always considered as separate entities. When a new website is being built, its design is carefully considered, whereas SEO is only seriously taken after the website is up and running. As a result, most websites are attractive but not search friendly! You increase conversions when your SEO and web design is in sync. Consult an SEO web design company to make a big difference while thinking about a new site SEO or Website Redesign SEO in whether or not your customers find you. Feel free to visit us at: http://www.nowsoft.org/


Urban spoon is a property of citysearch.com who changed their name to citygrid for whatever reason.  The owner Barry diller who operates IAC also owns college humor, the former ask Jeeves and a bunch of other half ass media companies and is a Forbes 400 richest. His building, the iceberg building in nyc is impressive though.  Regardless they also work with 'orange soda' a 'SEO' company that has become particularly useless after the Google panda update and they, like others, have been accused of click fraud.  Nobody clicks ads, these companies need money from somewhere (or somebody)


"Yeah, I mean it's natural economics that jobs go to low-wage countries, so I guess I can't be ""mad"" at that. But in addition, there's also a ""shift"" in debt from what was usually mortgages to student loan debt. It's not good because you're no longer ""paying yourself"" as you did with a mortgage, so money just gets burned...*and* you can't shed that debt...ever.   People frame it like a ""bubble"" but it's more like a long-term hamper on consumer spending. IMO, if the fed wants to help the economy, THIS would be the most effective bailout for lifting long-term growth. I don't have any student debt and I still think this is probably one of the better answers."


It is a simple look that looks half decent and people have been doing for decades. Not really surprising, and probably a lot of just confirmation bias. Personally they are always too tight so I just do a scarf or bandana when it gets cold.


We have a good idea for you, here you can get the fresh flower at your home. The Rustic Posy has become a very popular place in Australia, here you can trust in every deal. We design every exotic flowers with our expert florist.  There is more florist here, but they are not unique. We have good experience and our excellent florist provide you better service which is rememberable for you. We will send a fresh flower to their customers, the Rustic Posy on that day for 4 weeks walking. We offer online flower.


"The lead story here is you owe $12,000 on a car worth $6000!!  That is an appalling situation and worth a lot to get out of it.  ($6000, or a great deal more if the car is out of warranty and you are at risk of a major repair too.)  I'm sorry if it feels like the payments you've made so far are wasted; often the numbers do work out like this, and you did get use of the car for that time period. Now comes an ""adversary"", who is threatening to snatch the car away from you.  I have to imagine they are emotionally motivated.  How convenient :) Let them take it.  But it's important to fully understand their motivations here.  Because financially speaking, the smart play is to manage the situation so they take the car. Preferably unbeknownst that the car is upside down.  Whatever their motivation is, give them enough of a fight; keep them wrapped up in emotions while your eye is on the numbers.  Let them win the battle; you win the war: make sure the legal details put you in the clear of it.  Ideally, do this with consent with the grandfather ""in response to his direct family's wishes"", but keep up the theater of being really mad about it.  Don't tell anyone for 7 years, until the statute of limitations has passed and you can't be sued for it. Eventually they'll figure out they took a $6000 loss taking the car from  you, and want to talk with you about that.  Stay with blind rage at how they took my car.  If they try to explain what ""upside down"" is, feign ignorance and get even madder, say they're lying and they won, why don't they let it go?  If they ask for money, say they're swindling. ""You forced me, I didn't have a choice"".  (which happens to be a good defense.  They wanted it so bad; they shoulda done their homework.  Since they were coercive it's not your job to disclose, nor your job to even know.)  If they want you to take the car back, say ""can't, you forced me to buy another and I have to make payments on that one now."""


I think the difference is that folks pay attention to who the CEO is based on the relevant value of the purchase. When it comes to a $1.50 bottle of water or a $6 fast food lunch I think you'll find most folks aren't even aware of who the CEO of the company is. When it comes to multi $1,000 purchases they do care because stability of the company is important for a long term purchase.  I couldn't even tell you who the CEO of many companies I purchase from on a daily basis because, frankly, 24 hours after I eat their food or drink their beverage whatever it is is out of my system and down the toilet.  For material purchases that cost actual money people pay closer attention.


You could use a Credit or Debit Card running in US $, drawing from your US$ account, and pay everything with it. If you pick a company with free foreign conversions, you would get the standard interbank exchange ratio every time you pay, with no fee. For the small payments where credit cards are not accpeted or useful you can convert some cash once every some month - all significant amounts should work with credit or debit card.


I guess you are from US? EDI solutions are starting to be standard in most EU countries. The invoices we get are through EDI solutions and we can automate most of them.  We recently upgraded our invoice process solution and now we need one less AP position.


">However, businesses should make the most of new international opportunities, Prince Andrew said.  What ""new"" international opportunities that are not already there?   This I find so silly about those British brexitters, they seem to believe that the world is going to change once they leave the European Union and a whole new world of opportunities will open up for them. They do not seem to realize that all the benefits of being part of the EU will disappear and that this will cause life to get a whole lot more expensive for them. This whole brexit was fueled by racism and bigotry and will turn around to bite them in the ass."


"I don't read crap I already know about.  I am very sure you are not ""done"" with me, as I am sure you will reply back to me... until the bitter end when you realize some truth, logic and facts. Prove me wrong."


"You say you want a more ""stable"" system. Recall from your introductory economics courses that money has three roles: a medium of exchange (here is $, give me goods), a unit of account (you owe me $; the business made $ last year), and a store of value (I have saved $ for the future!). I assume that you are mostly concerned with the store-of-value role being eroded due to inflation. But first consider that most people still want regular currency, so as a medium of exchange or accounting unit anything would face an uphill battle. If you discard that role for your currency, and only want to store value with it, you could just buy equities and commodities and baskets of currencies and debt in a brokerage account (possibly using mutual funds) to store your value. Trillions of dollars' worth of business takes place this way every year already. Virtual currency was a bit of a dot-com bubble thing. The systems which didn't go completely bust and are still around have been beset by money-laundering, and otherwise remain largely an ignored niche. An online fiat currency has the same basic problem that another currency has. You need to trust the central bank not to create more money and cause inflation (or even just abscond with the funds... or go bankrupt / get sued). Perhaps the Federal Reserve may be jerking us around on that front right now.... they're still a lot more believable than a small private institution. Some banks might possibly be trustworthy enough to launch a currency, but it's hard to see why they'd bother (it can't be a big profit center, because people aren't willing to pay too much to just use money.) And an online currency that's backed by commodities (e.g. gold) is going to be subject to potentially violent swings in the prices of commodities. Imagine getting a loan out for your house, denominated in terms of e-gold, and then the price of gold triples. Ouch?"


"And that is my point: without specific dollar amounts...this is USELESS information.    The problem with this crap information is that some crappy operation will find a reason to pay themselves more for being a ""good boss"" thinking that will make up for any raises.   I'd take a better boss over a 5-cent an hour raise (and yes, I worked at McDonalds when raises were 0-5-10 cents an hour...and yeah, I would have liked a better boss for 5 cents).    However, for an annual job that pays $500/hr I'll gladly work in horrid conditions with a horrible boss doing awful things."


I've addressed some of the problems with the new fiduciary rule in other threads, but basically no one is arguing that advisors shouldn't be fiduciaries. Of course they should, and the vast majority do. What this rule effectively does is simply alter the way that advisors are compensated on retirement assets such as 401(k)'s, by forcing them to hold these assets in RIA accounts. This is not necessarily in the best interest of the client. (Yes I am aware of the Best Interest Contract Exemption, or BICE.) Perhaps more importantly, these types of regulations should be handled by one of the already existing regulator bodies, the SEC or FINRA. To bring in the DOL as a third regulatory body is a bit redundant to say the least.  I think a far easier solution (in concept, at least) is that any FINRA registered advisor (which is basically all advisors aside from pure insurance agents) should be held to the Fiduciary standard and not simply the Suitability standard


> Voting away someone's stuff doesn't make the immoral moral.  You seem to hold individual autonomy in very high regard and push for government that doesn't force the minority to play along.  I can understand the appeal of that perspective.  I'm going to pull you back to the Articles of Confederation because I think it is an example of the kind of government you want.  [Here is a video summary of those times by Extra Credits](https://www.youtube.com/watch?v=C6rHSiN0vKk) which I think explains why the government was set up that way and how it played out. I am seriously interested in your thoughts.  Why do you think that government failed?


"Canadian bubble is in a weird place.  The problem with the market is it doesn't take into account the increase in quality.  I lived in one of the frothiest places on the north side of Toronto.  When I first moved their the same bungalow that sold for $1mm + was about 400-450k.  What they don't mention in those articles is that there is a fair amount of LAND, and that the new owners will tear it down the day they take possession, and build a really large home on it.  That is why you see single dethatched homes in Toronto outpacing condos by a huge margin.  (or one reason anyway.  we have our green belt/intensification issues, and in Vancouver, they have natural intensification issues thanks to the mountains and the ocean.)  All that said, I was pretty sure I had bought at the height recently, but lo and behold prices continued to rise.  I think the only thing that will ""save"" us is the insured mortgages.  I mean there will be write offs, but not like what we saw in the US, as Canadian banks/and FIs are much more conservative.  I think China is the wild card in the Canadian RE market, at least on the condo side.  We don't have any good statistics about how many investors are off Canadian soil."


"There's no homestead property tax exemption in TN. According to the TN comptroller site: Exemptions Exemptions are available for religious, charitable, scientific, and   nonprofit educational uses, governmental property, and cemeteries.   Most nongovernmental exemptions require a one-time application and   approval by the State Board of Equalization (615/401-7883) and there   is a May 20 application deadline. There is no ""homestead"" exemption,   but low income elderly and disabled persons and disabled veterans may   qualify for a rebate of taxes on a specified portion of the value of   property used as their residence. Business inventories held for sale   or exchange by merchants subject to the business gross receipts tax,   are not assessable. Farm and residential tangible personal property   are not assessable."


There is nothing stopping them from utilizing the services of those with access to electrification. And many Amish businesses utilize electric cash registers operated by part-time non-Amish staff. Some even have computers for bookkeeping, used by non-Amish bookkeepers.


Selling options is a great idea, but tweak it a bit and sell credit spreads on both sides of the market, i.e. sell OTM bear call spreads and OTM bull put spreads. This is also known as an iron condor, and limits risk, and allows for much more flexibility.


I think your approach of looking exclusively at USD deposits is a prudent one. Here are my responses to your questions. 1) It is highly unlikely that a USD deposit abroad be converted to local currency upon withdrawal. The reason for offering a deposit in a particular currency in the first place is that the bank wants to attract funds in this currency. 2) Interest rate is a function of various risks mostly supply and demand, central bank policy, perceived risk etc. In recent years low-interest rate policy as led by U.S., European and Japanese central banks has led particularly low yields in certain countries disregarding their level of risk, which can vary substantially (thus e.g. Eastern Europe has very low yields at the moment in spite of its perceived higher risk). Some countries offer depository insurance.  3) I would focus on banks which are among the largest in the country and boast good corporate governance i.e. their ownership is clean and transparent and they are true to their business purpose. Thus, ownership is key, then come financials. Country depository insurance, low external threat (low war risk) is also important. Most banks require a personal visit in order to open the account, thus I wouldn't split much further than 2-3 banks, assuming these are good quality.


The problem would not only be that of Kyle but also that of American Express. When Kyle pays by credit card, American Express pays the bills out of their pockets on his behalf and then forwards the bill to Kyle. The issuer of a credit card takes the risk that the holder of the card won't pay the credit card bill. In practice there are safeguards in place which prevent a company like AE to pay such huge sums in one day through an automated process. Credit card companies have sophisticated algorithms to determine unusual spending patterns and block any transactions which appear unusual. Also, after a few billions their bank will likely block them and prevent them from paying any more bills. But let's play along and pretend these safeguards wouldn't exist. That means after Kyle's spending spree, American Express will be trillions in debt, with their main debitor being a 10 year old boy who won't ever be able to pay. Kyle will have to declare personal bankruptcy. There are various variants of bakruptcy in the US, but they basically all boil down to him paying everything he can pay (not much considering that he is 10) and then defaulting on his debt. Afterwards he is debt-free. That means the debt is now that of American Express. American Express will not be able to pay that debt with their bank(s) either, so they will have to declare bankruptcy and default on their debt too. This domino effect passes the burden on to the banks which can not carry a trillion-level debt either. A bank going bankrupt is a serious issue because it means they can not pay back any of the money in the saving accounts hold by companies or private people with them. So the problem would return to those people Kyle wanted to help in the first place. Also, the collapse of one bank will often result in the collapse of further banks, resulting in a collapse spiral destroying the whole world-wide finance system. Nothing would be gained.


If you can somehow get it into the hands of opinions leaders that would help. Could you use it in a cocktail and serve it to particular people in a club with UV lights?  The cane sugar could be a double-edged sword, yes I don't want corn syrup but I don't want the calories either. If you can use something else that decreases the calories while not tasting like crap I think that would be great, since Redbull sugar free taste like shit.


Yeah, not all small businesses are barely scraping by.   On another note, I know in some places restaurants, regulations and laws have been introduced which lowers minimum wage for tip earners (like servers). It's an interesting thought but I'm not sure how well it works.


Indeed, there's no short term/long term issue trading inside the IRA, and in fact, no reporting. If you have a large IRA balance and trade 100 (for example) times per year, there's no reporting at all.  As you note, long term gains outside the IRA are treated favorably in the tax code (as of now, 2012) but that's subject to change. Also to consider, The worst thing I did was to buy Apple in my IRA. A huge gain that will be taxed as ordinary income when I withdraw it. Had this been in my regular account, I could sell and pay the long term cap gain rate this year.  Last, there's no concept of Wash sale in one's IRA, as there's no taking a loss for shares sold below cost. (To clarify, trading solely within an IRA won't trigger wash sale rules. A realized loss in a taxable account, combined with a purchase inside an IRA can trigger the wash sale rule if the stock is purchased inside the IRA 30 days before or after the sale at a loss. Thank you, Dilip, for the comment.) Aside from the warnings of trading too much or running afoul of frequency restrictions, your observation is correct.


You only have to pay taxes when you convert to dollars. Most exchanges I think have to track their users and provide them with reports for tax purposes. Just holding bitcoin and watching it go up in value does not trigger a taxable event.


"I'll second what littleadv says about the ""entertainment"" expenses; they do seem high relative to your income.  The numbers for electricity and vehicle insurance seem high to me as well, but that depends on where you live and how you heat your house, etc., so they may be normal for your situation. You've got almost $500/month going to debt payments (vehicle, window replacement, and student loan).  You didn't list the credit card payments on there, so that will add to the debt payment amount.  Finding a way to get those debts paid off as quickly as possible would free up a lot of cash flow.  You could consider trying to find extra income (second job, your wife getting a job or finding a way to make some money from home, sell some things, etc.) I'm wondering about the things I don't see here: food (including restaurants), clothing, fuel, maintenance and repairs (both car and house), etc, etc.  With the numbers you list above, you have money left over every month, but when you add in the things I just mentioned, that may not be the case. I suggest that you keep track of all of your expenses for the next month to see what you're really spending (including the things not listed here).  Then, using that information, make a plan for the following month (and every month thereafter) about how you're going to live on what you bring home.  Just tracking your expenses will likely show you some areas where you could easily cut back on spending.   Also, I recommend that you start working on a plan to increase your income, both temporarily as I suggest above, and longer term by focusing on your career direction.  You are above the poverty level (assuming you live in the US), but below average in income."


Fruit Fly Control & Fruit Fly Spray cleaned female fruit flies lay their eggs on the surface of rotting fruit. Fruit fly larvae feed on the yeast organisms and fungi growing in the fruit and vegetable materials in a semi-liquid mass. Natural Mosquito Spray uses essential oils, which are highly effective, but there are some burden about putting these directly on the skin, especially on children.


The thing about amway products is that they are products people already use and buy from other stores. I mean protein bars and energy drinks and body care products.That's not the right way to have a profitable business; buying a bunch of inventory in your garage and then trying to sell it.   The money is in getting people sponsored and teaching them to switch their shopping habits to go through their own store as amway pays you a bonus based upon the amount of product you and your business consume or sell in retail. The more volume, the higher percentage you get in bonus.   Now this can develop into a business asset that is very low maintenance and pays you well. It takes maybe 15 hours a week to host meetings after you make enough money to quit your day job. Compared to owning real estate? Compared to owning a grocery store business? Those things have a ton of overhead and major headaches to handle. But I do agree the majority of the industry is very amateur and they will teach you to do stupid stuff like put inventory in your garage. That doesn't make amway a pyramid scheme though. Amway is the largest privately held debt free organization in the world. No public stock and they made over 11 billion dollars in 2012.


"It wasn't a ""tech meeting"".   It was a ""photo op"".  And once again, anything he is doing is about furthering his own goals, not based on principle.   Conservatives now would rather have a conman who throws them bones than an actual conservative with principles.   Regarding Zuckerberg, why should he attend something so meaningless?"


Im an actor preparing for a role. I play a trader in the UK during the late 80s. I have a very basic understanding of the stock market and am unsure what some of the dialogue is referring to. For example: “bid 28 at the figure” “sell at 3” “5 march at 28” “9 for 5” “bid 4 at 6” “closing out now at 4”. What do these numbers mean exactly. It doesn’t help that im Australian and this is a UK production, or that im an idiot


Wow, it looks like that finally electric cars are going to come at us like a rain storm and will be here to stay finally. I'm sure big oil doesn't like this article. Elon Musk is the man to thank for getting this going.


I don't know of any rule of thumb for travel. In general, what you spend on entertainment should be what you have left after paying for the more mundane things in life -- housing, food, electricity, and so on -- and setting aside reasonable amounts for retirement and emergencies. Entertainment varies widely as a percentage of one's income. Someone making minimum wage and trying to support a sick wife and three kids probably has pretty much zero left over for entertainment. Someone who makes a million a year and has no debts might spend 50% or more of his income on entertainment. Yes, I've heard rules of thumb for charity, housing, and retirement that are probably at least useful ballparks. But for entertainment? No, I think that's just what's left over.


>Oh definitely, you just need to be willing to work in Bismarck ND, or various parts of the rustbelt. And it's not that you're getting paid especially high, it's that everything is so insanely cheap (for the most part).  That's not what I mean though, it's easy to find locations where cost of living is cheap, its difficult (but possible) to find locations where the average salary for your field isn't reflected in that lower cost of living.   For example New Hampshire, the property costs are fairly low - you can find a great house for 250k-300k - but the average salary of a software developer is still high, and not just relatively, it would be considered high in New York as well.   I've found houses in New Hampshire that stay on the market for $350k that would be nabbed up in a weekend for 1M easily in my current location, and the average salary is comparable so just imagine what that implies in terms of quality of life.


I understand what you're asking for (you want to write options ON call options... essentially the second derivative of the underlying security), and I've never heard of it. That's not to say it doesn't exist (I'm sure some investment banker has cooked something like this up at some point), but if it does exist, you wouldn't be able to trade it as easily as you can a put or a LEAP. I'm also not sure you'd actually want to buy such a thing - the amount of leverage would be enormous, and you'd need a massive amount of margin/collateral.  Additionally, a small downward movement in the stock price could wipe out the entire value of your option.


Please consult a tax advisor.   You may be voilating the FEMA [Foreign Exchange Management Act] and can land into trouble.  Further what you are doing can land up into various other acts as illegal including AML.   Further if there is income generated by Indian citizen in India, he is still liable to pay tax, irrespective of whether you get the funds back into India. Edit: AML is Anti Money Laundering. Your transaction is sure to raise AML triggers as it looks like converting Black Money to White in round about way. Once the triggers are raised, RBI division will investigate further to verify what you are doing. If you are able to prove that this is a valid transaction, you would be OK on AML front. How will Income Tax Know? - If they don't know does not mean you are not liable for tax. - Any suspicious transactions would get investigated and sooner or later Income Tax would know about it and can cause a serious problem. - It is irrelevant where you have kept the money, if you have earned something, its taxable. For it not to be taxable you need to conduct this business differently.  Please consult a tax adviser who will advice you on the tax-ability of this type of transaction.


This is a complicated question that relies on the US-India Tax Treaty to determine whether the income is taxable to the US or to India.  The relevant provision is likely Article 15 on Personal Services. http://www.irs.gov/pub/irs-trty/india.pdf It seems plausible that your business is personal services, but that's a fact-driven question based on your business model.  If the online training is 'personal services' provided by you from India, then it is likely foreign source income under the treaty.  The 'fixed base' and '90 days' provisions in Article 15 would not apply to an India resident working solely outside the US. The question is whether your US LLC was a US taxpayer.  If the LLC was a taxpayer, then it has an obligation to pay US tax on any worldwide income and it also arguably disqualifies you from Article 15 (which applies to individuals and firms of individuals, but not companies).  If you were the sole owner of the US LLC, and you did not make a Form 8832 election to be treated as subject to entity taxation, then the LLC was a disregarded entity.  If you had other owners, and did not make an election, then you are a partnership and I suspect but cannot conclude that the treaty analysis is still valid. So this is fact-dependent, but you may be exempt from US tax under the tax treaty.  However, you may have still had an obligation to file Forms 1099 for your worker.  You can also late-file Forms 1099 reporting the nonemployee compensation paid to your worker.  Note that this may have tax consequences on the worker if the worker failed to report the income in those years.


"There are so many people who did not save throughout their work careers largely because they had a safe and secure pension to count on. Many of these people turned down other more lucrative opportunities and gave generously from whatever saving they had. They did this because they had a state pension that they could count on. Apart from a tiny SS amount, the ""untouchable"" and thought-to-be, guaranteed pension was the only retirement plan. Suddenly and with no time to save money to replace pension shortfalls, their earnings could be greatly reduced, or completely wiped out.   Tragic."


Dumb Coder has already given you a link to a website that explains your rights. The only thing that remains is how to execute the return without getting more grief from the dealer. Though the legal aspects are different, I believe the principle is the same. I had a case where I had to rescind the sale of a vehicle in the US. I was within my legal rights to do so, but I knew that when I returned to the dealership they would not be pleased with my decision. I executed my plan by writing a letter announcing my intention to return the vehicle siting the relevant laws involved with a space at the bottom of the letter for the sales person to acknowledge receipt of the letter and indicate that there was no visible damage to the car when the vehicle was returned. I printed two copies of the letter, one for them to keep, and one for me to keep with the signed acknowledgement of receipt. As expected, they asked me to meet with the finance manager who told me that I wouldn't be able to return the car. I thanked him for meeting with me and told him that I would be happy to meet in court if I didn't receive a check within 7 days. (That was his obligation under the local laws that applied.)


Science & engineering degrees are better for employment, but still aren't a guarantee- no degree is.    It's like degrees in general vs no degree- better, but not the golden ticket it once was.  It's like being smart and hard working- they help with success, but they're not guarantees.   It doesn't matter how many good decisions you make or how well educated you are or how hard you work if your luck (which is defined in this context as 'the totality of factors over which you, as an individual, have no control') is consistently shit.  In the end, it comes down to luck.   Education, preparation, hard work, and good decisions are all about shaping the odds.    People who are doing well want to believe it's all hard work and good choices (because then they get the credit, and are safe- it's similar to the slut-shaming dynamic in this respect) and people who are not doing well want to believe it's all luck (because then it's not their fault).


"I had searched for GDP growth 2017 and that was the result. The first quarter of 2017 is the only full quarter since the election for which there are final estimates, but you cite the fourth quarter of last year, which you say was below ""last year's national average (a five year low),"" as evidence of what you had called a ""huge expansion"" since the election."


"It sounds like what you are looking for are sites that offer pre-paid debit cards as rewards. A number of survey/get-paid-to sites do offer these as a potential reward; they are more irritating than having the money in a bank account or paypal balance, as they expire if not used within some amount of time, and generally come with restrictions on what you can use them on (they work like credit cards, but the site providing the card can reject your request if it doesn't like the site you're trying to pay.). Plus, you can only use a single debit card per purchase, so if you have two $20 prepaid cards, you can't use them both to make a $40 dollar purchase. Still, this does satisfy your requirements, assuming the game you want to transfer to and the provider of the prepaid card you're being rewarded with are willing to work together. You can use SurveyPolice to search for sites that offer the type of reward you want - filtering by offered reward type is an option under their ""pick-a-perk"" page.  Though it's likely many of those sites also require you to be at least 18 as well, as that's a pretty common restriction - you'll have to verify that part yourself. For that matter, you would want to check age restrictions on the sites those sites partner with to offer prepaid cards, as well."


Well yea, I used to work for Cox Communications if you want to check my post history so I have a vested interest in this topic. Netflix is fighting for net neutrality after the CEO said they could afford to pay the fees imposed my the telecomm companies. Happy now? https://www.google.com/amp/s/www.washingtonpost.com/amphtml/news/the-switch/wp/2017/06/15/netflix-joining-next-months-net-neutrality-protest-says-it-will-never-outgrow-the-fight/


Did you become a homeowner in this case? Would you be paying property tax as a homeowner somehow? Were you the homeowner of your apartment? No. Are you a homeowner of your parent's home? No. I do not believe that living at your parent's house makes you a homeowner or someone counted as a homeowner for statistical purposes.


Housing prices are set by different criteria. It can become memoryless the same as the stock if the criteria used to set its price in the past is no longer valid. For example, take Phoenix or Las Vegas - in the past these were considered attractive investments because of the economical growth and the climate of the area. While the climate hasn't changed, the economical growth stopped not only there but also in the places where people buying the houses lived (which is all over the world really). What happened to the housing market? Dropped sharply and stays flat for several years now at the bottom. So it doesn't really matter if the house was worth $300K in Phoenix 5 years ago, you can only sell it now for ~$50K, and that's about it. The prices have been flat low for several years and the house price was $50K, but does it mean its going to stay so? No, once economy gears up, the prices will go up as well. So its not exactly memory-less, but the stocks are not memory-less as well. There is correlation between the past and the future performance. If the environment conditions are similar - the performance is likely to be similar. For stocks however there's much more environment conditions than the housing market and its much harder to predict them. But even with the housing people were burnt a lot on the misconception that the past performance correlates to the future. It doesn't necessarily.


I've seen plenty of people who don't fit that description in IB. Keep hustling. Basic people skills are necessary just like pretty much any job and of course, the better you are, the more likely it could help you land a gig, like most fields


"Remember where they said ""Life, liberty and the pursuit of happiness?  That is the essence of this problem.  You have freedom including freedom to mess up.  On the practical side, it's a matter of structuring your money so it's not available to you for impulse buying, and make it automatic.   Have you fully funded your key necessities?  You should have an 8-month emergency fund in reserve, in a different savings account.  Are you fully maxing out your 401K, 403B, Roth IRA and the like?  This single act is so powerful that you're crazy not to - every $1 you save will multiply to $10-100 in retirement.  I know a guy who tours the country in an RV with pop-outs and tows a Jeep.  He was career Air Force, so clearly not a millionaire; he saved. Money seems so trite to the young, but Seriously. THIS. Have auto-deposits into savings or an investment account. Carry a credit card you are reluctant to use for impulse buys.  Make your weekly ATM withdrawal for a fixed amount of cash, and spend only that.  When your $100 has to make it through Friday, you think twice about that impulse buy.  What about online purchases? Those are a nightmare to manage.  If you spend $40 online, reduce your ATM cash withdrawal by $40 the next week, is the best I can think of.  Keep in mind, many of these systems are designed to be hard to resist.  That's what 1-click ordering is about; they want you to not think about the bill.  That's what the ""discount codes"" are about; those are a fake artifice.  Actually they have marked up the regular price so they are only ""discounting"" to the fair price.  You gotta see the scam, unsubscribe and/or tune out.  They are preying on you.  Get angry about that!  Very good people to follow regularly are Suze Orman or Dave Ramsey, depending on your tastes.  As for the ontological... freedom is a hard problem.  Once food and shelter needs are met, then what?  How does a free person deny his own freedom to structure his activities for a loftier goal?  Sadly, most people pitching solutions are scammers - churches, gurus, etc. - after your money or your mind. So anyone who is making an effort to get seen by you and promise to help you is probably not a good guy.  Though, Napoleon Hill managed to pry some remarkable knowledge from Andrew Carnegie in his book ""Think and Grow Rich"". Tony Robbins is brilliant, but he lets his staff sell expensive seminars and kit, which make him look like just another shyster.  Don't buy that stuff, you don't need it and he doesn't need you to buy it."


The Roth-IRA or for that matter a regular IRA is generally not connected to your place of employment.  Now a 401(k) is linked to your place of employment. If the business no longer exists, they should have turned over the 401K. The US department of Labor has information regarding plans that have been abandoned. I suspect my plan is abandoned, but I have never received a notice of   plan termination. How could I find out if a QTA has elected to   terminate and wind up my 401(k) pension plan? EBSA has developed an Abandoned Plan searchable database to help   participants and beneficiaries find out if a particular plan is in the   process of being, or has been, terminated. The site is searchable by   plan name or employer name and will provide the name and contact   information for the QTA, if one exists.  If you do not have access to   a computer to conduct the search, you may contact one of EBSA’s   Benefits Advisors to assist you by calling toll-free, 1.866.444.EBSA   (3272).


Not really.  Most of the major cloud providers have streamlined their data center processes to the point they can go from deciding they need additional capacity to having another 10k nodes online in a matter of a few months.  That's a process that takes a traditional data centers years.  Fiber runs are all about up-front capital investments and attempting to target supply to demand despite needing years of surveys, permits, and trenching.  Cloud is just getting another dozen rows of servers.  It's like saying because a bunch of states overbuilt highways, that a rental car company could overbuy cars.


You could look up the P/E of an equivalent ETF, or break the ETF into components and look those up. Each index has its own methodology, usually weighted by market cap.  See here: http://www.amex.com/etf/prodInf/EtAllhold.jsp?Product_Symbol=DIA


"I just came here to say that. Some of the garbage in some of those veggie ""meats"" is probably worse for you than eating real meat! And it's also more expensive too. Morningstar is the worst, probably ever since they got bought up by a giant evil food corp (like Unilever or something), the ingredients list got longer and worse."


I think you leave out the major problem of your partners in crime there.    Chances are one of them will eventually slip up later in life, and at some point snitch on you in order to get out of trouble.  This is particularly true if you would manage to acquire amounts in the 100k range per participant.  The inside man would pose the greatest risk there.


"I think your problem is using the word ""drone business"" to encompass self driving vehicles (trucks) and air based single delivery drones (drones).    It's funny, we don't even have good language worked out for this stuff, at least not in the public sphere."


Most countries tax income in its various ways, but not moving money. If this is a movement of already owned money, it is not tax-relevant. If it is a payment for services done, it is income, and it is the recipient's duty to pay taxes on it. Note that transferring large amounts of money (10k+) between countries can trigger a review, which - worst case - results in questions where it came from. The point of that is solely to verify it was legally earned money (not drug money or such). There is nothing to worry about if the money was legally earned.


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Cab companies in my city have actually adapted and provide many of the benefits that Uber used to claim as their own: ordering on an app (#1 advantage in my opinion), lower prices (20% discount since Uber came to town), tracking of your cab on an app. Still lots of room to grow, but I like that Uber has forced them to adapt a bit at least.   I still try to use cabs when possible because Uber is, in general, a piece of shit company.


Non-electronic stock exchanges still exist because they used to exist. There are a lot of people in trading firms who grew up with floor trading and don't want to give it up, either because they feel more comfortable with it or because they might lose their job if they went away from it.


>I said you don't know the difference between the two.  And then went on to prove that both types of banking can exist within the same institution. But you're still insisting you were 100% correct. Shut the fuck up dumbass.


Uber seems to be a risky endeavor but if they find the most profitable areas and squeeze out competition might be able to bet a sustainable model. Might take a while to recover the invested capital. Late investors might not recover.  Then again mass transit and traveling habits might increase or decrease need for Uber. Anyway they have plenty of capital for now so enjoy the rides.


"Something getting at the idea that higher wages boost aggregate demand and GDP. That would be the basic Keynesian argument... Something like ""Workers are consumers""?  On a more controversial note, the classic line from Marx might be pertinent: ""What the Bourgeoisie therefore produces, above all, are its own grave diggers""."


If I remember his interview during the world economic forum, he said we were wasting money on wars.  Getting our fiscal situation in order to maintain interests abroad and invest domestically means making tough decisions and sacrifices - like raising taxes.


"You don't need an ""MBA"" to evaluate the performance of a bar.   There is usually a dumb ratio for any industry which sets the expected turnover and bottom line. Basically one figure that can be given to an experienced bar owner and he'll know that the top and bottom line should be. Not knowing the bar industry, your area or grade of location etc I'd guess cost of sales (i.e. drink), you apply that against the typical gross margin % and you'll know what the turnover figure should be, and apply it to the typical net profit % and know what the bottom line should be. Wouldn't surprise me if an experienced guy could figure all that out just from the floorspace area and rent, with a bit of local knowledge.  It should go without saying that if these are underperforming, it doesn't tell you why. Maybe your manager is swindling you, maybe he's crap, maybe the owners took crappy decisions like inappropriate fit out, crap marketing, crap location, etc, forcing manager to price low.  Also bear in mind that the average includes all the really experienced bar owners so it can already be a tough target."


I don't use pre-authorized automatic payment methods because there is no control, and it is impossible to get it back. Once you have authorized a firm to withdraw funds from your account, there is no realistic way to revoke that control, save closing down your bank account entirely and moving to another institution. I once had automatic payments set up for my apartment rent, and then one month they withdrew twice on one day, overdrawing my account; it was very difficult to dispute the charge and get it back. The bank was little help as I had authorized them to withdraw funds; it didn't make any difference that they had done it twice, because I had given them permission to withdraw that amount.  The property management company was large and difficult to contact, and at first denied any wrongdoing. tl;dr version: it's more pain than it's worth, and I will never do it again.


Outsourcing/offshoring.  The idea is that you give away all work that is not core to cheaper staff who do not work for you. Sure, they are cheaper but it means that the basic knowhow is sitting outside your company making it much more difficult to build up the expertise and management background for tomorrow.  I work as an independent consultant in trading systems. Companies use me because they do not want to build and retain in-house knowhow. Some of the bigger consultancies will be pleased to take the juniors that you trained and to sell them back to you at 5x the price when they become senior.


They can only do that because Coinbase interfaces with fiat currency. As more transactions and holding become denominated in crypto, it will be more difficult for them to tax (if you are using an unlinkable crypto). If I pay someone with Monero or most coins, then the government won't know who was involved in the transaction.


"Can I force companies to accept a SEPA bank account? Are there any European regulations I can slap on their faces? I am not sure if you can force. Any change in regulations to this effect much come from the Company law Board [or equivalent in each countries.] Right now as much as I understand this is more voluntary for the companies to adopt it and the rationale is its easier for companies and hence beneficial. SEPA Direct Debit is more recent. The key aspect in this is ""Mandate Management"". Before SEPA every country had slightly different norms. Some were fundamentally different, for example in Belgium Mandate was to be captured and stored by your Bank [payee Bank/Debtor Bank]. In SEPA it is the responsibility of T-Mobile [Creditor].  Although SEPA has guidelines, they are more elementary. For example ""Mandate Signature"" needs to be on paper. Can an electronic copy be created? Belgium has some guidelines. Other countries have different. This falls in preview of each country defining what a ""Signature"" is, what is valid electronic signature etc. Further SEPA DD rules allow you to reverse a debit with 8 weeks [you can inform your Bank in Netherlands]. There is also a period of 13 months where you can say this debit was unauthorized. Now this is where is risk comes in as it is borne by the Creditor [T-Mobile].  Depending on convoluted rules in different countries, you may easily prove you didn't sign the mandate because as per Netherlands law, Signature / authorization means xyz. This is more likely the reason the Service providers are not willing to accept account in other Euro Zone."


They have a threshold limit at which point an actuary tells them that it's unprofitable to deal with a particular customer. The last time I read about it was a few years ago, but I think that I remember that the magic number then was around 40 returned or replaced items per year. Probably totally wrong about that number though.


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You have received much good advice, but based on 53 years investing and the first 25 getting my nose bloodied and breaking even I very strongly offer the following. Before doing so let me first offer this caveat: I am not questioning your broker or the advice, but it is only valuable to you if history proves correct. No one, not even Bernanke can predict how stock will perform in the future. Maybe if he sees a depression. My advice to someone new to stock investing is to purchase a index fund from a discount broker, e.g. Fidelity or Vanguard, and then study the market and economics. The Wall Street Journal and the web are my favorites. I started with a hell of a lot less than you have saved, I would not turn $200K over to anyone until you know exactly the risk and cost involved. Also, I wouldn't depend on one person or firm to advise or manage my money. I like to balance one against the other. I do not recall different firms recommending the same stocks. One must remember everyone in the business of recommending stock or any investment is selling something and must be compensated. That's how they earn a living.


"Some clarifications: they're going to ASSEMBLE PCs here, not exactly ""manufacture"" them. And they're not moving all ops to the U.S. - just a couple of product lines. I suspect this is mainly a result of tax incentives, cost efficiencies in the assembly value chain, and where Lenovo plans to actually sell these machines.  Jobs wasn't wrong. Consumer electronics manufacturing is not coming back. And nor do we want it, reddit. That shit is at the very bottom of the value chain! If it WAS in the U.S., everyone would be jawing about how big bad Apple or Dell or whoever was only paying minimum wage for those crappy jobs, and it would STILL be uneconomical to build them here.  The future is in the design, high-tech specialty manufacturing, and engineering that goes on WAY before a bunch of crappy PCs and laptops roll off the assembly line. We don't have enough people properly trained to do those things."


Now it's been a while since I read these, and I'm not complete sure if these are the kinds of books that you're looking for, but I found them quite good:  Options, Futures, and Other Derivatives by Hull: http://amzn.com/0133456315  Investments and Portfolio Management by Bodie, Kane & Marcus: http://amzn.com/0071289143  I hope this helps!


http://www.dogukantemizlik.com/ankara-oran-temizlik,2,271730#.WX2SrdTyhdg Ankarada Çankaya merkezli Temizlik hizmeti veren şirketimiz üstün ekipman ve yaygın hizmet ağıyla ihtiyacınız olan temizlik hizmetlerini müşterilerine en iyi şekilde sunuyor  Ankara Temizlik , Ankara cleaning companies Olarak Şirket Prensiblerimiz Gereği Verdiğimiz Hizmetlerden Ve Çalıştırdığımız Personellerden Tam Anlamı ile Müşterilerimizin Memnun Olduğundan Eminiz.


I am currently interning in wealth management. Do you guys have tips to projects I can do? So far, on my own initiative, I have created a dynamic investment model comparing different product structures in Excel and currently working on automating some processes in Outlook and Excel. Not sure what else I can do to pass time. I try to do other things than just talking to clients.


Yes, I think so. The goverment should fix the loopholes of tax laws. Apple is very smart to take advantages of them. If you run your own business. What should you do? You will do like APPL or pay taxes for the Government?


"From a quick look at sources on the web, it looks to me like Money Market Accounts and savings accounts are both paying about the same rate today: around 1%, give or take maybe 0.4%. I suppose that's better than nothing, but it's not a whole lot better than nothing. (I saw several savings accounts advertising 0.1% interest. If they mailed you a check, the postage could be more than the returns.) Personally, I keep a modest amount of emergency cash in my checking account, and I put my ""savings"" in a very safe mutual fund. That generally gets somewhere from making maybe 3% a year to losing a small amount. Certainly nothing to sing about, but better than savings or money markets. Whether you are willing to tolerate the modest risk or the sales charges is a matter for your personal situation and feelings."


"Not quite, while you have considered time efficiency you have forgotten material efficiency. Can you grow more potatoes in the same piece of land, can a single hen lay more eggs, can the bees give more wax. Here is a classic example of exploiting animals and nature. It may be hard for people in the first world to imagine exploiting humans the same way as we do animals. In the real world however a large section of the worlds human population has lower rights than wild animals in some of the developed parts. The reason for this is ""value system"" that is ""our"" value system. An animal in the forest is essentially worthless in our system because it earns no dollars or pays no taxes. If it is a rare or magnificent animal like a tiger, then it is valued more. Most people in the world lead primitive lives by our standards and do not deserve the lands that may have fed them for thousand generations. So by applying our value system we pay them peanuts as compensation for their land and grab it. Sadly most of the growth in the world is fueled by such resource/land grabs."


* Building out infrastructure is time-consuming and labor-intensive. You also have no guarantee that because you put fiber to every house in a neighborhood, that every person will sign up for your service. * Building out infrastructure requires permits from the municipality and surveying (underground wiring? On new poles? On existing poles? etc). * It requires tying into existing networks (more infrastructure, permitting, and commercial contracts.  * If you want to offer telephone services, that requires more network interfacing and, permitting, and has additional requirements, as phone service has legacy legal requirements. * If you want to offer TV services, you need more infrastructure, and commercial contracts with the TV channels.  In many municipalities, existing providers (IE Comcast, TWC) have exclusive contracts with the city that say no one else can come in and build a network.  **TLDR:** Legal contracts, commercial contracts, and the expense of building out the actual infrastructure make it pretty much impossible to create your own ISP, unless you have regular money bonfires (like Google does).


Something that you omitted in your question is whether this prospective purchase is a single family residence (SFR) or some other type of real property.  If this is an investment purchase as you say it is, then the only real way to tell it is worth what you are willing to pay is based on the income it produces. Once you complete an income and expense analysis you can get a CAP rate to compare it to other like properties in the area.  This is the best way to value income/investment real estate.  If you don't know what a CAP rate is and how to calculate it, then you might be over your head a bit. Another important aspect to consider is the reason to pay all cash for this property.  The main reason to invest in real estate is to use the banks money as leverage.  Again, you should understand these kinds of basic real estate concepts before you dive into purchasing investment property.


"Instead of getting into complex economic theories, here are the few places I can tell you where the cash has disappeared to:  1. Apple - holding over 100b cash in their vault more than any banks have in their reserves in the world and more than enough to pay off all of the debts of the U.S.  2. Real Estates.........in developing countries, that is :p. You may keep hearing how real estates are de-valuing in the U.S., but in developing countries like the BRICs, they are going higher. Think Hong Kong, Tokyo, Beijing, Shanghai, etc. Yes, it's a proven bubble there. If you have access to their regional news, just listen to how many people in Asia have to borrow from loan sharks to keep their finances afloat.  3. Gold - go see for yourself on goldprice.org, that's where the wealthy individuals put their cash in the so-called ""safe haven"" next to shotguns. Yes, it's ridiculous and is totally out of anyone's league beyond basic things like air, water, and food.  4. Commodities (gas, food, basic materials) - enough said, check out your local gas pumps and grocery stores."


"By protected you mean what exactly? In the US, generally you'd get a promissory note signed by B saying ""B promises to repay A such and such amount on such and such terms"". In case of default you can sue in a court of law, and the promissory note will be the evidence for your case. In case of B declaring bankruptcy, you'd submit the promissory note to the bankruptcy court to get in line with all the other creditors. Similarly in all the rest of the world, you make a contract, you enforce the contract in courts."


It will be painful for the world, but not in the same way that the Western financial crisis of '08 was painful.  This will mostly hurt China, as well as western companies whose marginal revenue and growth is dependent upon Chinese business.


As far as the specific price - it depends so much on the area and the house and other things.  70k could be a perfectly reasonable offer, or it could be an insulting lowball.  If they just lowered it from 95 to 85 for example, 70 is pretty low to start off.  But who knows. To answer the closing costs side of things, though, the reason those are sometimes paid by seller (rather than just dropping the sales price some) is that it makes it easier for the buyer if the buyer doesn't have much cash on hand.  From the seller's point of view it's all the same money - giving you a discount on the sale price vs. covering closing costs - except for the small difference of the realtor's commission (which would be slightly lower in the lower-sales-price example, but usually that's not a significant factor in total cost).  IE: vs How much having the 3k less on hand (and instead in your mortgage) is worth to you as a buyer is, of course, up to you.  If you have plenty of cash on hand for the down payment and closing costs, then paying closing costs yourself is probably in your best interest as the seller typically assumes buyers value reduced/zero closing costs at more than 100% face value.


However,  you have to remember that not all dividends are paid quarterly.  For example one stock I recently purchased has a price of $8.03 and the Div/yield = 0.08/11.9 . $.08 * 4 = $0.32 which is only 3.9%  (But this stock pays monthly dividends). $.08 * 12 = $0.96 which is 11.9 %.   So over the course of a year assuming the stock price and the dividends didn't change you would make 11.9%


Call it whatever you like.  There ate places you can go which have no government taxes... mostly because they have no government and there is no social services.  They are places like Somalia, and regions of Afghanistan.  Sorry, but if yippy ate going to live under the umbrella of three modern world, that comes with an implied cost that we pay or pay the consequences.  The fact that you are using their internet would seem to indicate that you do enjoy the services that are paid for with your taxes.


">Many economists will dismiss this paper on methodological grounds:  ""You can't learn anything by asking people about their behavior in hypothetical scenarios.""  I say these economists are being insufferably dogmatic.  Yes, people exhibit social desirability bias; they overstate their virtue when they don't have to put their money where their mouth is.  But that's a lame reason to ignore their words entirely.    Trying to deal with counterarguments by simply preemptively expressing awareness of them instead of addressing them is a rather lazy debate trick."


She is, but she was trained by the Nashville Machine to be a songwriter as part of her development deal.  Take away her looks and give her a penis, and she's writing songs that are used by other artists as has been the standard line of business in Nashville for 65 years.      Not that that is an indictment of how Nashville does business. It has been extraordinarily effective in creating hits and many songwriters went on to performance careers of their own.  Swift just did it at 15.


How much are we talking about here?  My own experience (Switzerland->US, under $10K) was that the easiest way was just $100 bills.  Alternatively, I just left a bunch in the Swiss bank, and used my ATM card to make withdrawals when needed.  That worked for several years (I was doing contract work remotely for the Swiss employer, who paid into that account), until the bank had issues with the IRS (unrelated to me!) and couriered me a check for the balance.


Personally, I have been in that situation too often that now I am selling at the first tick down! (not exactly but you get the idea..) I have learned over the years to not fall in love with any stock, and this is a very hard thing to do. Limit your losses and take profit when you are satisfied with them. Nothing prevents you from buying back in this stock but why buying when it is going down?   Just my 2 cents.


The paper is appealing to its readership to consider the profit and loss generated by Starbucks in UK operations as independent of other operations in other countries. Starbucks was profitable in the UK, but they offset these profits with investments in other overseas operations (not UK), to lower their tax rate in the UK. To the Guardian this seems unfair, even though UK law permits this. Seems like there is some case to be made for considering a change in the law.


Productivity in industry has massively increased, self drilling screws aka modern fasteners, and modern materials.  CNC machines with one person making a complete product in one hit that took ten people ten operations on ten machines to do in the past. The modern technique of _'lean production'_ gets a poorly paid CNC operator to take a raw casting, machine it into a finished product in one CNC operation, wash and oil THEN box the part up next to the machine. Its a complete one person production line at $10 ph.


"This page, under the ""OFX"" section, has pointers to an OFX 2.0 spec (pdf). You're looking for the info starting at page 18, section 1.2.1: Clients use the HTTP POST command to send a request to the previously acquired Uniform Resource Locator (URL) for the desired financial institution. The URL presumably identifies a Common Gateway Interface (CGI) or other process on an FI server that can accept Open Financial Exchange requests and produce a response. and then shows some examples. The first page linked above also has some python scripts for downloading OFX data from your bank."


Penn Station has seen better days... And the PABT is its own circle of hell... And then there's the tunnels that are barely safe... And what about the fact that the subway signaling system was put in place before the transistor radio was invented


The amount covered by the insurance takes into account the amount of money healthcare providers charge, according to this Quora post by Amy Chai (MD). For example, Medicare pays about 20 cents on the dollar for what a health provider bills. As a result, health providers have to artificially increase the amount of money they charge. Health providers cannot charge uninsured patients differently from insured patients, otherwise health insurances may complain to the feds, which in turn may charge the health providers with fraud for artificially inflating the medical bills.


How often do you need to actually go to a bank?  atm's, debit and credit cards work where ever.  you can even deposit checks by taking a picture of them.  dealing with cash would be more troublesome though.


"First, don't use Yahoo's mangling of the XBRL data to do financial analysis.  Get it from the horse's mouth: http://www.sec.gov/edgar/searchedgar/companysearch.html Search for Facebook, select the latest 10-Q, and look at the income statement on pg. 6 (helpfully linked in the table of contents).  This is what humans do. When you do this, you see that Yahoo omitted FB's (admittedly trivial) interest expense.  I've seen much worse errors. If you're trying to scrape Yahoo... well do what you must.  You'll do better getting the XBRL data straight from EDGAR and mangling it yourself, but there's a learning curve, and if you're trying to compare lots of companies there's a problem of mapping everybody to a common chart of accounts. Second, assuming you're not using FCF as a valuation metric (which has got some problems)... you don't want to exclude interest expense from the calculation of free cash flow.  This becomes significant for heavily indebted firms. You might as well just start from net income and adjust from there... which, as it happens, is exactly the approach taken by the normal ""indirect"" form of the statement of cash flows.  That's what this statement is for.  Essentially you want to take cash flow from operations and subtract capital expenditures (from the cash flow from investments section).  It's not an encouraging sign that Yahoo's lines on the cash flow statement don't sum to the totals. As far as definitions go... working capital is not assets - liabilities, it is current assets - current liabilities.  Furthermore, you want to calculate changes in working capital, i.e. the difference in net current assets from the previous quarter.  What you're doing here is subtracting the company's accumulated equity capital from a single quarter's operating results, which is why you're getting an insane result that in no way resembles what appears in the statement of cash flows.  Also you seem to be using the numbers for the wrong quarter - 2014q4 instead of 2015q3. I can't figure out where you're getting your depreciation number from, but the statement of cash flows shows they booked $486M in depreciation for 2015q3; your number is high. FB doesn't have negative FCF."


"This is the best tl;dr I could make, [original](http://www.reuters.com/article/us-sec-cyber-weaknesses-exclusive/exclusive-u-s-homeland-security-found-sec-had-critical-cyber-weaknesses-in-january-idUSKCN1BW27P) reduced by 78%. (I'm a bot) ***** > WASHINGTON - The U.S. Department of Homeland Security detected five &quot;Critical&quot; cyber security weaknesses on the Securities and Exchange Commission&#039;s computers as of January 23, 2017, according to a confidential weekly report reviewed by Reuters.  > The January DHS report, which shows its weekly findings after scanning computers for cyber weaknesses across most of the federal civilian government agencies, revealed that the SEC at the time had the fourth most &quot;Critical&quot; vulnerabilities.  > For the past several years, the Department of Homeland Security has been producing a report known as the &quot;Federal Cyber Exposure Scorecard.&quot; It provides a weekly snapshot to more than 80 civilian government agencies about potential outstanding cyber weaknesses and how long they have persisted without being patched.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/71lgf9/us_homeland_security_found_sec_had_critical_cyber/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~214095 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*: **vulnerability**^#1 **Critical**^#2 **agency**^#3 **SEC**^#4 **hack**^#5"


I don't understand why businesses that supposedly offer a legitimate product decide to host 3rd party code.  Is their actual product so worthless that they need the extra few cents from ad revenue?  And there are open source analytic packages that tell you how many times people click on things on your web page and how they were referred.  I don't see the reason behind relying on other packages unless you really need to compare yourselves to the competition-- which probably doesn't come up in boardroom meetings every day.


You can claim VAT back if you are VAT registered. You MUST be VAT registered if your turnover is more than £82,000. You MAY register if your turnover is less.  However, you can only claim back as much VAT as you actually received, and you can only claim VAT back on purchases that were made for your business, not for private use.  And you need to remember that if you are VAT registered, you MUST charge VAT on every income. If you mostly trade with private customers, it means that your prices all just went up by 20%, so it's not a good idea.


I agree but there is some benefit to compression, especially if you are watching tv in more of a casual environment with a high background noise level. You crank the volume to hear quiet dialogue and then a loud scene happens and scares the shit out of you. Ideally the compression would be user controlled but that's too complicated for your average schmoe unfortunately. I think compression is added to some big screen movies too (on say TBS) as well for the same reasons.


In the UK there are spread betting firms (essentially financial bookmakers) that will take large bets 24x7. Plus, interbank forex is open 24x7 anyway. And there are a wide array of futures markets in different jurisdictions. There are plenty of ways to find organizations who are willing to take the opposite position that you do, day or night, provided that you qualify.


>[**WHAT IS BITCOIN? Bitcoin Explained by Andreas Antonopoulos on London Real [5:32]**](http://youtu.be/Cpj_P4Dp5kU)  >>Get your FREE copy of the The Business Idea Launch Guide.   > [*^London ^Real*](https://www.youtube.com/channel/UCCZVmatSqIMTTB8uExk8xEg) ^in ^Science ^& ^Technology  >*^10,451 ^views ^since ^Jan ^2017*  [^bot ^info](/r/youtubefactsbot/wiki/index)


Reading the descriptions on Amazon.com it appears Investments is a graduate text and Elements of Investments is the undergraduate version of the text.


I'll just add this: In the best hedge funds and proprietary trading funds, stock selection is approached very scientifically in order to minimize losses/maximize gains. Researchers think of a trading idea and carefully test it to see which methods of stock selection work and how well, and finally they combine them. Every day researchers update their models based on the past performance of each indicator.  All this is just too much work to be done manually. Firms use machine learning methods to understand markets. They try to figure out what is normal, what did not happen correctly at a specific time, what will happen in future. For instance, they use deep learning networks to look at unlabeled data, and figure out what is normal and what is not. These networks can analyze an unstructured haystack of noise, and separate out the signal. This is very relevant to finance and markets because finding the patterns and anomalies in market data has been the bread and butter of traders for decades. Deep learning networks give us applications like feature learning. By 'features,' I'm referring to certain attributes in data that indicate an event. By anticipating them, we can help predict future price movements. New technology is allowing us to break new ground in managing risk, to be a-typical and manage risk in ever-improving ways. It's the responsibility of every trader, whether working for themselves or others, to take advantage of this technology to improve the collective investing experience. I care very deeply about this. I have many close friends, in the finance world and without, who have lost large amounts of money to poor trade tools and lack of transparency.


The Motley Fool is generally regarded as relatively legit, at least in that they're not likely to do anything outright fraudulent and they definitely have reasonably in-depth content to provide you.  The Motley Fool makes a fair amount of money off the subscriptions, though, and they do hawk them quite violently. If I didn't have a generally good opinion of them to begin with, I'd have been completely put off as well. It's pretty shameful. I don't think it's worth hundreds of dollars a year, but then again, I don't look at investing as a second career like the Fool likes to suggest, either.


Yes, you generally leave your computer to 'mine' through data and eventually it has gone through enough data to turn up a bitcoin.... I think there's a hard limit on how many bit-coins will ever be on the market though and if you buy one you will likely lose money if you don't sell fast since that market is incredibly volatile.


You haven't looked very far if you didn't find index tracking exchange-traded funds (ETFs) on the Toronto Stock Exchange. There are at least a half dozen major exchange-traded fund families that I'm aware of, including Canadian-listed offerings from some of the larger ETF providers from the U.S. The Toronto Stock Exchange (TSX) maintains a list of ETF providers that have products listed on the TSX.


Very basic of you to say that 😧 She wasn't stupid if the family cashed in on her life insurance. May have been the only way she saw herself paying them back. Also, suicide is no easy affair...one of the hardest things humans can do is admit they are failures to not only themselves but to their loved ones and pay the ultimate price by realizing they don't deserve to co-exist with everyone else. Bigger issue is important of mental health in the youth


If you're looking for cause-effect, applying for another card won't matter at all if you're not paying any interest, or not looking to get another installment loan for which the rate you get depends on your credit rating. If you are looking to get another installment loan, then having more credit at your disposal might hurt a small amount.  I wouldn't want to cancel your oldest card.  The GEMB card looks like a good candidate if you want to cancel because you're not using it, and it's a relatively new card.


"Full disclosure, I'm an Apple fan, and gave up Windows as my primary computing experience around the transition from XP to Vista.  That being said, when Microsoft goes all-in on hardware and puts their minds to it, they really do have great hardware chops.   Back when I was in college, the best peripheral hardware you could buy (mice, keyboards, headsets, even at one point cordless telephones) were Microsoft products.  I *still* think the Microsoft Natural keyboard was genius and ahead of its time.  The XBox and XBox 360 are other great examples of good hardware.  Yeah, the 360 had its share of defects, but even with those, it's still a great system that has had an extremely full life, and is now morphing in to a formidable digital media hub.  I hope the Surface helps revive some of Microsoft's past innovation.   Personally, I question the wisdom of trying to make Windows 8 work well on both tablets and the desktop, and I think the transition to the Windows 8 interface is going to be extremely jarring for the non-technical user.  I also think it's confusing and a potential marketing nightmare putting out R/T tablets that are Windows 8 branded but only run Metro apps, side by side with ""Pro"" tablets that are going to run Metro plus traditional Windows software.  I can't imagine having to explain to a non-technical user why they might not want to buy the *cheaper* version of an MS tablet if they have an old app they still want to run.  Who knows, they ostensibly have smarter marketing folks than me, just seems like it leaves a lot up to chance."


You need to find out exactly  how the two accounts are titled. If an account  is an UGMA (Uniform Gifts to Minors Act) account that is in your name with your mother/father as custodian, then you are entitled to all the money in the account when you become an adult. If the account is indeed a UGMA account,  the bank is supposed to not let the custodian operate the account once the  child becomes an adult, but this does not always happen.  There was a  question earlier on money.SE (which I cannot find at this time) in which  the 25-year-old person asking the question claimed that  his father was still buying and selling shares in his UGMA brokerage  account and the IRS was asking why the profits and losses from these transactions were not being reported on the 25-year-old's tax return. Money in an UGMA account is not supposed to be used for payment of household expenses, food, etc. which is the parent's responsibility during the minority, but this can well be abused. As to whether money was taken out and then restored (or possibly not restored, as you seem to suspect), it is possible to sue the custodian for improper handling of the UGMA account and recover the funds, but whether one wants to sue a parent over what might be a relatively small sum is another matter. Consider whether most of what is recovered might go to pay legal fees or other costs of the recovery process, and will likely ruin a family relationship. If the accounts are titled as joint accounts, then either party can empty the account without informing the other. But doing so would need information about the account number etc. which you may not have. For tax purposes, there is also the issue of whose Social Security  Number is listed on the account, yours or your parent's. See also this answer  for a view of what happens from the other side.


ITT: people saying bitcoin is backed by emotions just like stocks  Fact: you're right that some of a stocks movement is emotion (not all) but a stocks VALUE is backed by a profit generating business that creates value as time goes on through increased profits (increasing the stock price).   Bitcoin has very little uses to backup the spike in demand. It's pure speculation, ask anyone who's in bitcoin what their thesis is and it's very abstract and almost always mentions the fact that it's rising so much which drives the value. Classic bubble


It isn't that the companies force traders, it is more the other way around. Traders wouldn't trade without margin. The main reason is liquidity and taking advantage of minor changes in the forex quotes. It goes down to pips and traders make profit(loss) on movement of pips maybe by 1 or 2 and in some cases in 1/1000 or less of a pip. So you need to put in a large amount to make a profit when the quotes move up or down. Supposedly if they have put in all the amount upfront, their trading options are limited. And the liquidity in the market goes out of the window. The banks and traders cannot make a profit with the limited amount of money available at their disposal. So what they would do is borrow from somebody else, so why not the broker itself in this case maybe the forex company, and execute the trades. So it helps everybody. Forex companies make their profit from the fees, more the trades done, more the fees and hence more profit. Traders get to put their fingers in many pies and so their chances of making profits increases. So everybody is happy.


"This article is centered around a ""study"" conducted by Michelle McQuaid who just happens to be selling books, seminars and career coaching services. Surprise surprise, her newest book tells you how to fix your bad boss! Even the link in the Forbes article points to a press release on PRWeb.  I will say that Michelle McQuaid's marketing agency is nothing short of relentless. In trying to find the methodology used in her study I found nearly identical articles in several business magazine sites and thousands of blogs and tweets about it from all directions.  This ""article"" is pure tripe."


I never said I didn't want them to crumble, just acknowledging the fact it will at some point.  The input customers and flight companies have doesn't weigh as much as you think on the decisions TSA makes. It's like saying oh yeah the D.O.D. conferred with citizens about NDAA so instead of beating them while we hold them indefinitely we'll just tickle them till they pee themselves stupid. There isn't that much transparency in most of what goes on, so don't be sold on press releases alone.


The math works out so that the 401k is still a better deal in the long term over a taxable account because of the tax-deferred growth. Let's assume you invest in an S&P 500 index fund in either a taxable investment account or a 401k and the difference in fees is .5%. I used an online calculator and a hypothetical 1k/year investment over 30 years with 4.5% tax-deferred growth vs 5% taxable and a 25% tax bracket. After 30 years the tax-deferred 401k account will have $67k and the taxable account will have $58k. The math isn't perfect -- I'm sure I'm missing some intricacies with dividends/capital gains distributions and that you'll then pay income tax on the 401k upon retirement as you drawn down, but it still seems pretty clear that the 401k will win in the long run, especially if you invest more than the 1k/year used in my example. But yeah, .84% expenses on an index fund is robbery. Can you bring that to the attention of the HR department? Maybe they'll want to look for a lower-fee provider and it's in their best interest too, if they also participate.


You're asking for a LOT. I mean, entire lives and volumes upon volumes of information is out there.  I'd recommend Benjamin Graham for finance concepts (might be a little bit dry...), *A Random Walk Down Wall Street,* by Burton Malkiel and *A Concise Guide to Macro Economics* by David Moss.


sounds like a tool a dept within the IRS would use. Yes it is small money in the overall federal budget but unless you have a habit of buying things that ultimately screw you in the ass I am not sure why we would want this at any price.


I personally think that you should do whatever you believe works best. I am not married but when I get married I would also want to do what you are doing with having a joint account for certain things but also still having seperate accounts. I find this is a good approach so that neither of you is dependent finanically on the other one. Also, if you want to buy a present for your wife you would do it with your own money and not the joint account money. I hope my answer helps.


> Are you saying that if the industry was unregulated they would not do this?  No, I'm saying that people would probably do this regardless of the level of regulation.  > It merely proves why regulation is necessary.  Except that regulation prohibiting this would be virtually unenforceable.


You had to lie because you wanted to keep more of it. As the person in the article said a good server at a good restaurant should make at least $20 an hour on top of the minimum wage. Plus I never claimed any tips besides credit card tips. All the cash tips went unreported.


What's the best strategy? Buy low and sell high. Now. A lot of people try to do this. A few are successful, but for the most part, people who try to time the market end up worse. A far more successful strategy is to save over your entire lifetime, put the money into a very low-cost market fund, and just let the average performance take you to retirement. Put another way, if you think that there is an obvious, no-fail, double-your-money-due-to-a-correction strategy, you're wrong. Otherwise everyone would do it. And someone who tells you that there is such a strategy almost surely will be trying to separate you from a good amount of your money.  In the end, $80K isn't a life-altering, never-have-to-work-again amount of money. What I think you ought to do with it is: pay off any credit card debts you may have, pay a significant chunk of student loan or other personal loan debts you may have, make sure you have a decent emergency fund set aside, and then put the rest into diversified low-cost mutual funds. Think of it as a nice leg-up towards your retirement.


>So, we agree then.  No, Unemployment is not insurance paid for by the worker. We do not agree on that.   Apparently we agree on the fact that is not illegal.   >So, what?  This is why there should be qualifications and tests much like those proposed for social security. Especially since the employee doesn't actually pay for any of it. If you are making millions of dollars and still can't figure out to create an 'Oh shit' savings account, well looks like you are SOL.


This is the same as any case where income is variable.  How do you deal with the months where expected cash flows are lower than projected? When I got married, my wife was in the habit of allocating money to be spent in the current month from income accrued during the previous month.  This is slightly complicated because we account for taxes (and benefit expenses) withheld in the current months' paychecks as current expenses, but we allocate the gross income from that check to the following month for spending. The benefit of spending only money made during the previous month is that income shocks are less shocking.  I was working for a start-up and they missed payroll that normally arrived on the first of the month.  Most of my co-workers were calling the bank in a panic to avoid over-draft fees with their mortgage payments, but my mortgage payment was already covered.  Similarly, when the same start-up had a reduction in force on the first day of a new quarter, I didn't have to pull any money from savings during the 3 weeks I was unemployed. In the end, you're going to have to allocate money to the budget based on the actual income--which is lower than your expectations.  What part of the budget should fairly be reduced is a question you and your wife will have to figure out.


"A qualifying distribution seems guaranteed to fall under long term capital gains. But a disqualifying distribution could also fall under long term capital gains depending on when it is sold. So what's the actual change that occurs once something becomes a qualifying as opposed to a disqualifying distribution? Yes a qualifying distribution always falls under long term capital gain. The difference between qualifying and disqualifying is how the ""bargain element"" of benefit is calculated. In case of disqualifying distribution it is always the discount offered, Irrespective of the final sale price of the stock. In case of qualifying distribution it is lower of actual discount or profit. Thus if you sell the stock at same price or slightly lower price than the price on exercise date, your ""bargain element"" is less. This is not the case with disqualifying distribution."


Buying back shares is an indication that the company does not believe that there is justification to invest in production, employee training, or technology. In the end, what it mostly does is pump up the share price, which very directly pumps up the value of share-based compensation that the CEO has.  On mergers and acquisitions, I don't have the time to look for the source right now, but I've read a few reports that showed that the vast majority of mergers and acquisitions actually erodes the value when compared to the two separate companies. They cite reasons like overblown expectations, clash in company cultures, and manipulations up top as a reason to do this. On paper, they all sound great, but these are very dificult things to operationalise which only the very best management teams manage to work out.  The above parties are part of the real economy as long as they are companies that produce goods or services, which is often the case. It contrasts with the paper economy which is the world of bonds, hedge funds, share markets, and commodity markets. The money moving around in this world seldom makes a diference to anybody but the directly involved. The share market is a classic example of this. Although the value of stocks may be high, most people who own the stocks don't actually have more money to spend, unless, obviously they sell the shares. The value is on paper until it is transacted, and can collapse like a house of cards.   The real economy is much more stable and resiliant, and has a large impact on the majority of the population. It won't vary hugely from one month to the next like the stock market can.  I don't have any educaton in economics other than curiosity on how these things work. I read Krugman's blog and generally google any term or concept that tickles my fancy. I also partake in quite a few discussions here on reddit that frequently prompt me to go investiage some more. I don't proport to be some sort of expert, but I do have concise ideas of how things work, and have a very strong bias of looking at evidence and fact-based postulations rather than ideology.


I would strongly suggest you select an answer: all the above two cover everything I can possibly recommend, but perhaps my perspective as a person who was exactly in your shoes a year ago might appeal to you more. My first bank was Chase, and they usually give out a free checking account to students that come with leaves of 100 checks. Unfortunately, I was 24 at that time, and the max possible age to qualify was 23 or 21. Paying $25 for any number of checks was a big deal for me as I had no job, and transportation and rent was costing me $1k/month anyways. I came here and asked questions: lots of them. MrChrister, God bless his soul, recommended credit unions to me. I never knew they existed. A year later, I am a proud member of 3 CUs: I recommend Alliant, DCU and SchoolsFirst: I am their member and very proud of it!


ATM to ATM transfer is not possible. Do you mean to say account to account transfer using an ATM machine?   Online transfer between account or between an account and credit card is possible. Almost every Bank offers Online transfers using Internet Banking.   The person wishing to initiate a Debit must subscribe to Internet Banking. Once you login to Internet Banking, you would need to add beneficiary Account [account where you need to transfer funds]. Adding of Beneficiary at times takes a Day for the Beneficiary to be activated. Once the Beneficiary is activated, you can transfer funds. The funds are credited to Beneficiary account within 2 hrs. If the both the accounts are in same bank, then some Bank's ATM's [HDFC / Citi etc] allow you to transfer funds between account using the Bank's ATM.


"He's calculating portfolio variance. The general formula for the variance of a portfolio composed of two securities looks like this:  where w_a and w_b are the weights of each stock in the portfolio and the sigmas represent the standard deviation/risk of each asset or portfolio.  In the case of perfect positive or negative correlation, applying some algebra to the formula relating covariance to the correlation coefficient (rho, the Greek letter that looks like ""p""):  tells us that the covariance we need in the original formula is simply the product of the standard deviations and the correlation coefficient (-1 in this case).  Combining that result with our original formula yields this calculation:  Technically we've calculated the portfolio's variance and not it's standard deviation/risk, but since the square root of 0 is still 0, that doesn't matter. The Wikipedia article on Modern Portfolio Theory has a section that describes the mathematical methods I used above. The entire article is worth a read, however."


Even if you're working from a liveable wage, people will still want extra luxuries that wage can't afford. Paying higher-ranking positions more will give incentives for employees to work harder and earn promotions just as before.   As for your second question, ideally, the changeover would be implemented over a period of 3-6 years, to allow the market time to adjust. Failing that, some compromise solution may be reaching. Say, a more modest raise to $12, which would still drastically increase the average American's ability to make a living.  However, given that California's recent raise in minimum wage to $15 has, by all indications, worked out quite well so far*, it seems like expanding that rise to more states should not be out of the question. Granted, what works for California may not work for the nation, but overall, i'd say a $15 minimum wage is pretty reasonable.  *  http://irle.berkeley.edu/effects-of-a-15-minimum-wage-in-california-and-fresno/  https://economicrt.org/publication/effects-of-a-fifteen-dollar-an-hour-minimum-wage-in-the-city-of-los-angeles/


Or starve the post office. It's government subsidized spam. Mail delivery could be 3 days a week and no one would be hurt. They could even add an option for digital delivery (scan and view online) which would save lots of money and could probably even be a value-added service.


This would depend on what transfer methods your Forex broker allows. Most will allow you to have a check or wire transfer sent...best thing would be to call/email your broker and ask how to get the money into your account. Keep in mind, many brokers will force you to withdraw using the same funding method you used to deposit, up to the amount of the deposit. For example, if I fund my Forex account with $500 on a credit card and make $500 profit, I now have $1,000 sitting in my Forex account. The broker will force me to withdraw $500 as a credit to my credit card before allowing me to use another withdrawal method. This is an anti-money laundering precaution.


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-06-21/how-just-14-people-make-500-000-tons-of-steel-a-year-in-austria) reduced by 87%. (I'm a bot) ***** > The plant, a two-hour drive southwest of Vienna, will need just 14 employees to make 500,000 tons of robust steel wire a year-vs. as many as 1,000 in a mill with similar capacity built in the 1960s.  > Voestalpine long ago decided it couldn&#039;t compete on bulk steel with titans such as Luxembourg-based ArcelorMittal, Japan&#039;s Nippon Steel, or South Korea&#039;s Posco, let alone hundreds of low-cost Chinese furnaces.  > Over the past 20 years, the number of worker-hours needed to make a ton of steel industrywide has fallen from 700 to 250, as new control processes and innovations such as casting steel closer to the shape of the finished product have improved productivity, according to the World Steel Association.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6irf3i/how_just_14_people_make_500000_tons_of_steel_a/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~149920 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*: **steel**^#1 **Donawitz**^#2 **Voestalpine**^#3 **jobs**^#4 **mill**^#5"


">The term ""National Socialism"" arose out of attempts to create a nationalist redefinition of ""socialism""  That's the sentence before what you quoted that you ignored where they tried to rebrand the idea of socialism as nazism. The two aren't the same. But way to cherry pick your bullshit sources man."