The advice to invest in yourself is good advice. But the stock market can be very rewarding over the long pull. You have about 45 years to retirement now and that is plenty long enough that each dollar put into the market now will be many dollars then. A simple way to do this might be to open a brokerage account at a reputable broker and put a grand into a very broad based all market ETF and then doing nothing with it. The price of the ETF will go up and down with the usual market gyrations, but over the decades it will grow nicely. Make sure the ETF has low fees so that you aren't being overcharged.   It's good that you are thinking about investing at a young age. A rational and consistent investment strategy will lead to wealth over the long pull.


>Genetic analysis of a tumor is less than a minute.   Uh... right. Too bad that's biologically, chemically, and physically impossible. Reading and analyzing DNA is limited by enzyme speed and it must be done hundreds of times to get an accurate reading. You could jump 5000 years into the future and they still wouldn't be able to read an analyze a patient's genome in under a minute.


"This is somewhat unbelievable.  I mean if you had a business of collecting debts, wouldn't you want to collect said debts?  Rather than attempting to browbeat people with these delinquent debts into paying, you have someone volunteering to pay.  Would you want to service that client?  This would not happen in just about any other industry, but such is the lunacy of debt collecting. The big question is why do you need this cleared off your credit?  If it is just for a credit score, it probably is not as important as your more recent entries.  I would just wait it out, until 7 years has passed, and you can then write the reporting agencies to remove it from your credit. If you are attempting to buy a home or similarly large purpose and the mortgage company is insisting that you deal with this, then I would do the following: Write the company to address the issue.  This has to be certified/return receipt requested.  If they respond, pay it and insist that it be marked as paid in full on your credit.  I would do this with a money order or cashiers check.  Done. Dispute the charge with the credit reporting agencies, providing the documentation of no response.  This should remove the item from your credit. Provide this documentation to the mortgage broker.  This should remove any hangup they might have. Optional:  Sue the company in small claims court.  This will take a bit of time and money, but it should yield a profit.  There was a post on here a few days ago about how to do this.  Make part of any settlement to have your name cleared of the debt. It is counterproductive to fall into the trap of the pursuit of a perfect credit score.  A person with a 750 often receives the same rate options as a person with 850.  Also your relationship with a particular lender could trump your credit score. Currently I am ""enjoying"" the highest credit score of my life, over 820.  Do you know how I did it?  I got out of debt (including paying off the mortgage) and I have no intentions of ever going into debt for anything.  So why does it matter?  It is a bit ridiculous."


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-09-21/s-p-lowers-china-s-rating-to-a-from-aa-says-outlook-stable) reduced by 87%. (I'm a bot) ***** > S&P Global Ratings cut China&#039;s sovereign credit rating for the first time since 1999, citing the risks from soaring debt, and revised its outlook to stable from negative.  > &quot;It&#039;s bad optics for China, especially when they&#039;re out there from a policy and rhetorical standpoint talking about debt more and acknowledging their debt challenge,&quot; said Andrew Polk, co-founder of research firm Trivium China in Beijing.  > The International Monetary Fund last month increased its estimate for China&#039;s average annual growth rate through 2020, while warning that it would come at the cost of rising debt that increases medium-term risks to growth.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/71j6ih/sandp_cuts_chinas_credit_rating_citing_risk_from/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~214028 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*: **China**^#1 **debt**^#2 **rate**^#3 **S&P**^#4 **growth**^#5"


> Why do people generally get so mad about high executive pay yet celebrate (or at least not care about) very large professional athletes contracts for their services and endorsement deals?  I think both are outlandish.  That said, I think there is more justification for high athlete compensation. Here are several reasons, (1) being the biggest.  1) A star athlete has star power and fills stadium seats.  The hiring of this person is directly correlated to sales.  2) A professional athlete's skills can be more directly tied to a team's performance than a CEO.  3) Most professional athletes have a short career.  They are expected to retire around 35.  4) The compensation of an athlete is a negotiation between the player and the team management.  CEO compensation is much more one-sided since it is decided by the CEO and the board of directors, many of whom are also CEOs.


Sounds like an illiquid option, if there are actually some bidders, market makers, then sell the option at market price (market sell order). If there are not market makers then place a really low limit sell order so that you can sit at the ask in the order book. A lot of time there is off-book liquidity, so there may be a party looking for buy liquidity. You can also exercise the option to book the loss (immediately selling the shares when they get delivered to you), if this is an American style option. But if the option is worthless then it is probably significantly underwater, and you'd end up losing a lot more as you'd buy the stock at the strike price but only be able to sell at its current market value. The loss could also be increased further if there are even MORE liquidity issues in the stock.


I did this at taco bell basically. Can't believe It worked.   Free combo when you buy a $20 gift card. Then I just did it again and paid with mu previous gift card. They let me do it for about a week


BoA was coerced into buying Countrywide by the Fed, to try to keep the housing industry from falling apart.  It didn't work, but it did make for a more managed failure.  After the sale, BoA and the Fed found out just how screwed up Countrywide was, after BoA had assumed financial liability.  Now that BoA has sorted things out a bit and has money, New York is going after a bit of the damages caused by Countrywide in the first place.  EDIT: [This is the guy](http://www.sec.gov/news/press/2010/2010-197.htm) that caused the mess in the first place.  Probably should have been some jail time along with his record fine though.


Buybacks do not increase the company's value. Cash is traded for outstanding shares. This is similar to a dividend, but instead of cash, investors receive a rising share-price. Whether an investor prefers a cash dividend or capital gains is less important than the outcome that their investment is gaining value for them.


Personally, I use the earlier date in Quicken so that it looks like I lose money earlier.   This isn't 100% accurate, but it keeps me from thinking my accounts have more money than they would otherwise have.


So your point is, because capitalism was the system used during this this last tech boom, it should be worshipped and never questioned?  I get what sub were on. But we're not just a bunch of individual actors. We are part of a humanity. If the drastic wealth inequality, which breeds situations like this, doesn't concern you, we have to agree to disagree.


If I hire someone in Utah to do sales for me over the phone, and he   works out of his home, am I required to register an LLC or file my   current one as a foreign entity in Utah? Yes, since you've established presence in Utah. You'll register your current LLC in Utah, no point creating another one. If my sales guy, or I, call businesses in, say, Florida, and sell a   few businesses our services for online work like maybe a website   design, etc. Are we required to file our LLC In Florida as either a   new LLC or a foreign one? No, you need to register where you (your company, including your employees or physical offices) are physically present. You don't need to register in any state you ship products or provide services to. If no-one of your company's employees is present in Florida and you don't have an office/rent a storage there - then you have no presence in Florida. If you actually go there to provide the services - then you do.


Taxes should never be hated. It should be an honor to contribute toward the common good of the nation. It used to be this way until they were made into a political weapon. Our nation used to raise taxes when we held debt and lower taxes when debt was low. Instead, this bullshit idea that taxes are bad was crammed down peoples throats, and now we're sitting at a significant debt that really started to take off with Reagan.


2 things:


Lol it's all good. Reddit just seems to be bothered when people do that.   The confusion was from the word Platform. It could be thought of differently from a normal perspective to that of a programmer's.  Probably should read it first though before posting anything.


Tax regulations vary from country to country - some permitting more deductions, some less - but here are a few guidelines. As regards the home-office: As regards the deductions: Think of it like this: in order to have space for a home-office you needed a bigger home.  That leads to increased rates, heating, insurance and so on.  Many tax regulators recognise that these are genuine expenses.  The alternative is to rent a separate office and incur greater expenses, leading to increased deductions and less overall tax paid (which won't finance the deficit). The usual test for deductions is: was the expense legitimately incurred in the pursuit of revenue?  The flexibility permitted will vary by tax authority but you can frequently deduct more than you expected.


no offense, but clicking through to that guys blog and fund page he seems like a charlatan and a snake oil salesman. It's not surprising that he doesn't like asset manager software because he himself is an asset manager. the software is trying to replace him.  He doesn't make money by beating the market... he makes money by convincing others that he can... he is exactly the type of person that the original article is warning against investing with.


"The problem is ""what would have been"" without regulations.   A good cause and effect is the Durbin amendment to DFA - they randomly regulated interchange debit card transactions (win for Walmart, loss for banks) so it no longer makes sense to offer free checking to poor people. WMT wins, banking loses, poor people lose.  The other issue is maxing out regulations actually makes the system more frail as it promotes consolidation in the sector.  Consultants love it - tons of free, easy, no thought work."


"Not going to pretend to know what any of that actually means mate, haha! But if it involves Brownian Motion/Ito then you might find something relatable in that paper. Plenty of stuff outside that, but most not as ""mathematically clean"" (ie will involve hacks to fit observed data), or on the flipside closer to philosophical stuff like Mandelbrot and (sigh) Taleb, who more or less do a great job of explaining why the gospel models are all crap (which is reasonable), and that real world markets can't be bunged into a nice cookie-cutter model."


Same here. I think the fact that it was such a challenge to find unlabeled clothing as a teen created an obsession within me to be completely label-free. I bought a Kate Spade and Michael Khors bag to wear with my business attire because I know how bitches can be when judging workplace success, but all my other labels are on snowgear and that's it.


Part of the new BB OS they have in the works is the ability to run Droid apps.    If this turns out to be true, their biggest disadvantage will evaporate overnight.  My expectations are not high, the friend who told me that left the company a month later, his reason being that when he was job hunting, he wanted that RIM job on his resume to actually mean something, and not just be an ugly dark spot.


You can get really nerdy with the EV calc, but I would just add that it's important to deduct any non-operating, non-consolidated assets in addition to the minority interest adjustment - e.g. unconsolidated subsidiaries, excess real estate, excess working capital, etc.


what's unrealistic? applying a DCF model to the two possible options?  i didn't claim my description of the situation was comprehensive, didn't ask for input as to whether or not i was considering all possible factors.   why couldn't i use a DCF for a personal choice? any why would i use a RFR if the undertaking requires a risk premium? (or at least doesn't have the same risk level)


I'd rather cut off a ball than move to Texas. Bunch of fake cowboys circle jerking each other's fake greatness in a godforsaken wasteland baking in the harsh sun. No ma'am. I'd rather not live in place that idolizes a perverted idea of a long dead rebellious republic. Guess I'm too American to want to live in Texas.


What I'm reading is that they subtracted the $85 you owe them and they're cutting you a cashier's check for the rest. Ethically speaking, you owed them the money, they subtracted it and made you a check for the rest.  Once you cash that check, nobody owes anyone anything in this equation.  Sounds like they're in the clear. Legally speaking, I have no idea, since I'm not a lawyer, but even if it was not legal, good luck getting the $85 back without spending far more in retaining a lawyer and fighting it in court.  Even fighting it in small claims court will take more of your time than $85 is worth. If it's your time that is the problem, 12 days is not horrible in banking terms.  Yes, we're spoiled now by ACH transfers and same day deposit availability, but since you're retired, I'm sure if you think back you'll remember when it used to take two business weeks to clear a check... TLDR; cancel future deposits to that bank, find a new bank, then forget this fiasco and get your revenge by enjoying your life.


"An investment in knowledge always pays the best interest, as Ben Franklin said. However, this is not a question I can answer for you, as it depends on the opportunities that are specifically available to you as an individual. Sometimes opportunities will knock on your door and you can take advantage, other times you have to create that door to allow opportunities to knock. Maybe you have a friend that is opening a side business, maybe there is a class you can get into at a trivial cost. What I suggest is to start investing just to get into the habit of it, not so much for the returns. Before you do, however, any financial advisor will advise you to begin with a emergency fund, worth about 3-6 months of your expenses for that time. I wanted to hit the ground running and start investing in stocks, but first things first I guess. ""Millionaire Next Door"" will help you get into a saving mindset, ""I will teach you to be rich"" is ok, plenty of other books. My advice is keep doing what you're doing, learn to start saving, and once you have obtained an emergency fund of the amount of your choosing, start looking to invest in Index Funds or ETFs through any platform that has LOW FEES!! I use Betterment, but Vanguard is good too, as they allow you to get your feet wet and it's passive. Hope this helps."


>Dollars to donuts... I'd be willing to bet you have a pretty good boss there.  ...and she (my boss) left 6 months later for a better job. Now I report to a clueless idiot. He has no experience in our industry but was hired because he was part of the good old boys referral network the CEO has going on. He spent his time flipping companies for living prior to that.  Now the veneer is starting to come crashing down, despite me trying to make my boss look good for these past ~2 years. He's desperately trying to find a corporate controller (interviewing) to dump his mess onto as I type this. People external to the department are starting to gather he's all buzz words and power points and no substance. We were bought out by a bigger company recently and he can't hide behind his usual bullshit.  My new boss dropped the bombshell today that the girl who was in my position 3 years ago (but quit and took a managers job at a rival company through connections) in now a candidate for the corporate controller position. His reasoning hinged almost completely on the justification that she is already well like here and is familiar with the company. The girl doesn't even have a college degree. Let alone a masters. She left a tax mess on her way out that I've spent the last 3 years trying to fix from an administrative standpoint. Apparently the guy who kept my boss from looking like a total idiot (me) isn't worth mentoring up to the next level. But some random person with no college degree (but connections), and holes in her understanding of our line of work is a serious candidate for a promotion.   It's amazing to watch the bad decisions compound themselves into bigger and bigger problems. My boss inherited a relatively well oiled accounting department and turned it into an audit nightmare. He doesn't know half of what goes on, on a daily basis but feels the need to change processes arbitrarily without understanding WHY we do what we do and how it relates to our industry and external compliance, let alone GAAP.  It's quite apparent this ship is sinking. I'm trying my best to get off it now as of today. Trying to promote someone with less work experience and education over me was the last straw. The only good decision he made was realizing this girl's resume is a bunch of titles with no substance and realizing she wasn't a serious candidate, an hour after pissing me off calling me into a meeting to announce the joyous news.


So you're saying you can practice law and pass the bar without a law degree. Which was my point. No one said anything about anywhere just that it can be done. I also mentioned that it was illustrative. Keep screeching though.


All institutions, financial or otherwise, seek to maximize profits. In a free market, each bank would price its services to be competitive with the current state of the market. Since the currency conversion fee is generally a small part of the decision as to which bank to choose, banks can be non-competitive in this area. If this is an important consideration for you then you would need to find a bank with a lower conversion fee, but be prepared to have higher fees in other areas. TL;DR: The market bears it.


"This is the best tl;dr I could make, [original](http://www.dw.com/en/eu-and-japan-agree-trade-deal/a-39561536) reduced by 77%. (I'm a bot) ***** > &quot;We did it. We concluded EU-Japan political and trade talks. EU is more and more engaged globally,&quot; Tusk announced on Twitter.  > &quot;The agreement shows that trade deals for open markets can be concluded with mutual interests. Globalisation needs rules, and trade agreements contribute to this,&quot; she said in a statement.  > For Abe, the deal shows Japan remains an important partner in global trade, especially after Trump this year said he would end a trade deal with Pacific nations.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6lnkr4/eu_and_japan_agree_trade_deal/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~160841 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*: **trade**^#1 **agreement**^#2 **deal**^#3 **percent**^#4 **tariffs**^#5"


Our General Health range includes a collection of supplements specifically designed to help you improve and maintain a healthy lifestyle by taking weight control SUPPLEMENTS. Whatever your nutritional goals, whether you're looking to improve your immune system or get a good night's sleep and rest, this selection will have something for you.


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When planning for holiday people always prefer to select the best destination Algarve in Portugal is one of the famous holiday destinations. People from across the globe visit the place to explore the stunning beaches and Vale Do Lobo a popular resort that is the perfect place for the golf enthusiast and various other attractions. If one is planning to stay on Vale Do Lobo then it is better to opt for the Vale Do Lobo Holiday Rentals. The Vale Do Lobo villa Rentals are located in price locations offering a stunning view of the beautiful beaches and verdant surroundings. One can easily make bookings for the holiday villa rental online.  http://www.simply-algarve.com/Property-For-Sale/vale-do-lobo


> In four attempts at my local Burger King, I've paid, but never gotten my food at all. I realize this doesn't speak for the company on a nationwide scale, but my local franchisee is a dick.  You went there four times and left without all of your food each time?


a) the quick answer to your correlation is quantitative easing. basically the central bank has been devaluing the US dollar, making the prices of all goods increase (including stocks.)  the stock market appear to have recovered from 2009 lows but its mainly an illusion. anyway the QE packages are very known when the correlation is not there, that means other meaningful things are happening such as better corporate earnings and real growth. b) the thinkorswim platform has charts for dollar futures, symbol /dx


I'm not sure if you are including the use of credit cards in the intent of your quesiton.  However, I will give you some good reasons I use them even when I can pay cash: 1) I get an interest free loan for almost 30 days as long as I don't carry balances. 2) I get a statement detailing where I am spending my money that is helpful for budgeting. I'd never keep track to this level of detail if I were using cash. 3) Many cards offer reward programs that can be used for cash back. 4) It helps maintain my credit rating for those times I NEED to buy something and pay it off over time (car, house, etc.) 5) Not so much an issue for me personally, but for people that live paycheck to paycheck, it might help to time your cash outflows to match up with your inflows. For a business, I think it is mostly a cash flow issue. That is, in a lot of B2B type businesses customers can pay very slowly (managing their own cash flows). So your revenue can sometimes lag quite a bit behind the expenses that were associated with them (e.g payroll). A business line of credit can smooth out the cash flow, especially for companies that don't have a lot of cash reserves.


Mr. Raphael Lilla is a member of the International Society of Business Leaders with over 20 years of work experience working in the Swiss and International financial markets. Currently, he is operating as the Executive Director of SBC Group AG, Switzerland, and as Managing Director of Swiss Bullion Company International LLC, Dubai.


If you are looking to file a workers compensation claim then there are certain mistakes you need to be mindful of. These include not documenting and reporting the incident to your employer, not seeking medical care, not following doctors’ orders and not maintaining proper records and finally not hiring a competent lawyer to help you.


The drive through lines are full because it takes 45 minutes to get through it and you have no exit possibilities once you enter.  Don't get me wrong, I love their food, but nothing goes slower than Taco Bell drive thru.


"You need to track all of your expenses first, inventarize all of your assets and liabilities, and set financial goals. For example, you need to know your average monthly expenses and exactly what percentages interest each loan charges, and you need to know what to save for (your children, retirement, large purchases, etc). Then you create an emergency fund: keep between 4 to 6 months worth of your monthly expenses in a savings account that you can readily access. Base the size of your emergency fund on your expenses rather than your salary. This also means its size changes over time, for example, it must increase once you have children. You then pay off your loans, starting with the loan charging the highest interest. You do this because e.g. paying off $X of a 7% loan is equivalent to investing $X and getting a guaranteed 7% return. The stock market does generally does not provide guarantees. Starting with the highest interest first is mathematically the most rewarding strategy in the long run. It is not a priori clear whether you should pay off all loans as fast as possible, particularly those with low interest rates, and the mortgage. You need to read up on the subject in order to make an informed decision, this would be too personal advice for us to give. After you've created that emergency fund, and paid of all high interest loans, you can consider investing in vessels that achieve your set financial goals. For example, since you are thinking of having children within five years, you might wish to save for college education. That implies immediately that you should pick an investment vessels that is available after 20 year or so and does not carry too much risk (e.g. perhaps bonds or deposits). These are a few basic advices, and I would recommend to look further on the internet and perhaps read a book on the topic of ""personal finance""."


Not only should you do this, you should tell your friends to do it too. Especially if a parent comes in to the bank with the child, banks fall over themselves to provide a card to someone whose only income is allowance. Really. Later, if you're 21 and your car broke and you don't get paid for another 11 days, NOBODY will lend you the money (or those money mart places that charge 300% a year will) to fix it. Never mind score (and yes for sure having a good score will be a result, and a good one) just having the card for emergencies makes all the difference to your early twenties. My kids have several friends who now can't get credit cards (some are students, some are underemployed) and end up missing paid days of work due to car troubles they can't pay to fix, or using those payday lenders, or other things that keep you poor. Get one while you can. Using it sensibly means you will have a great credit score in a decade or so, but just plain having it is worth more than you can know if you're not 18 yet.


There is no, like, false advertising or misleading that you can claim? Or even reporting them to the Better Business Bureau or something, which maybe isn't enough, but is something.  Is there a way to report web scams that is actually effective? Because this seems to border on being a very widespread scam.  They did actually take my money. Ebay, Amazon, and other major sites have policies that are pretty tight and can hold up. I wonder if this company can be compared to this but with very bad policies. Ebay can't just enact any policy and get away with it. If they take my money, it seems like there is legal recourse. You buy a product from me, I can't enact any policy on the purchase you make. I can't have fine print that says that you purchased this toy gun and so if it turns out to be a real gun and it kills your kid, too bad. Maybe that is a bad analogy. I'm just saying, websites are subject to reasonable questioning of their policies under the law or at least business institutions.   I posted a 3 star review, but the comment (if they post it) is very direct and negative, without making any specific claims. Again, we'll see. I guess they can reject that as well.


Are you serious?  I used to get the occasional cold call at the last place I worked at.  You can just smell them and I got them off the phone ASAP.  I think cold calls are *incredibly* fucking rude and I hate people who make them.  My advice is to find another way to make sales.  If you are an intrusive asshole who wastes my time you will get absolutely nothing from me.  And I am not the only one who feels that way.   A cold call is like going up to a complete stranger, smacking them in the face and then asking them to buy something from you.  It just doesn't work very well.


You could open up CDs or try a few stocks. Once I saved up enough to where I was comfortable in savings and in a retirement account, I went to CDs. Once I was comfortable with CDs I started doing stocks with dividends. Now that I'm happy with what I am receiving in dividends I just recently bought a risky stock.   I highly recommend Navy Federal for CDs, if you are eligible and USAA for stocks.   Congrats!


This is quite possibly a tactic to attract new clients.. ICICI is one of the banks with a small presence in Canada. There are also banks like Tangerine and PC Financial that are aggressively trying to get new clients to switch over from the big 5 banks. At the time of writing, for a limited time, PC Financial is paying 2.5% interest on savings accounts versus 1.4% for a 1 year GIC.


"Do you think that someone like GM does not create any *indirect* jobs?  GM is basically just a final assembler of components made by others.  Who do you think manufactures the tires, the light bulbs, the paint, the nuts, the bolts, the wire, the batteries, the leather in the seats, the thread to hold the seats together, the grease, the oil, the radios, the glass in the windshields, the bearings, the alternators, the fan belts, the radiator fluid, the freon, the hoses, etc. etc.  Hint: It's *not GM*.  Now let's look at the manufacturing floor.  Who makes the screw guns, the overhead conveyors, the paint for the floors, the packaging for parts, the plastic parts bins, the safety gear, the tooling, the lathes, the milling machines, the paint robots, the automation equipment in general?  Again: *not GM*.  And now let's talk about distribution and sales.  Guess what, all those employees at the auto dealerships are not counted as employees.  All those truck drivers moving cars around in semis?  Not GM employees.  Contrast this with tech, where I can setup a shop and get going with a few cubicles and a coupla servers and a whole lotta engineers.  I might also hire a secretary to answer the phones and a bookkeeper to handle the finances.  Long and the short of it is that manufacturing probably generates 1000x the number of indirect jobs than tech does.  There's a reason why everyone talks about the US economy becoming increasingly a ""service economy""  EDIT:  Furthermore, the comment about worldwide employment misses the mark here.  The west is outsourcing our manufacturing.  Sure, China and India will end up with thriving middle classes because they're building their societies based on the US's economic structure for the 30 years following WWII.  We, on the other hand, are doing the opposite.  We're going to end up with no middle class.  The only jobs available here will be for a small number of very highly specialized skills (like hedge fund managers) and the people who mow their lawns."


Now I've heard the word is that Netflix plan being split was so Netflix could keep streaming HBO and Starz content. Once the online content got so popular that people where no longer using HBO or Starz streaming programs or actually paying to see the channel.  By splitting the service it brought them back down in numbers streaming to keep that content online. Did it upset people? Yes. But I'm a lot happier having my content then nothing at all.  As for quickster? That was just stupid. Keep it all under netflix, and keep offering both sides of the stuff.


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Imagine that a company never distributes any of its profits to its shareholders. The company might invest these profits in the business to grow future profits or it might just keep the money in the bank. Either way, the company is growing in value. But how does that help you as a small investor? If the share price never went up then the market value would become tiny compared to the actual value of the company. At some point another company would see this and put a bid in for the whole company. The shareholders wouldn't sell their shares if the bid didn't reflect the true value of the company. This would mean that your shares would suddenly become much more valuable. So, the reason why the share price goes up over time is to represent the perceived value of the company. As this could be realised either by the distribution of dividends (or a return of capital) to shareholders, or by a bidder buying the whole company, the shares are actually worth something to someone in the market. So the share price will tend to track the value of the company even if dividends are never paid. In the short term a share price reflects sentiment, but over the long term it will tend to track the value of the company as measured by its profitability.


"You make it look like the US is the leader in import taxes on vehicles. According to this [source](http://www.caranddriver.com/features/free-trade-cars-why-a-useurope-free-trade-agreement-is-a-good-idea-feature), ""The standard tariff for importing cars to the U.S. is 2.5 percent of their value. For pickup trucks and commercial vans, the tariff is a whopping 25 percent. Individual European countries don’t charge import duties, but the European Union charges a flat rate of 10 percent on imported automobiles.""  When Trump says the US has been screwed over in their trade deals, he's not (always) talking out of his ass."


A note on the article: I thought this article by Buffet on market level was particularly appropriate now, given the seemingly daily new highs, current level of interest rates (hint: they are incredibly low), and corporate profits (hint: they are incredibly high). If you believe the market will eventually revert to the mean, that implies substandard results over an extended period of time into the future.


I would never use a market order.  Some brokerages have an approval process your short-sale goes through before going to market.  This can take some time.  So the market prices may well be quite different later. Some brokerages use a separate account for short sales, so you must get their approval for the account before you can do the trade.   I like the listing of shares available for shorting the Interactive Brokers has but I have experienced orders simply going into dead-air and sitting there on the screen, not being rejected, not going to market, not doing anything --- even though the shares are on the list.


You started with the insults. Your argument is weak, based on anecdotal evidence and hyperbole. I'm sorry you keep digging yourself deeper and unable to find a way out. Insults and condescension aren't the way friend.  I strongly urge you to educate yourself. Read factual documents on the matter, not just comments from other redditors. More than not, their comments have some sort of agenda and when you try to pass those comments off as your own and as fact, you just spread more misinformation. I sincerely do hope you get out of the Reddit hive mind and think for yourself, it's really quite refreshing.


"Based on my experience ~~making hiring decisions~~ [working with a fortune 500 company legal team to make hiring decisions] I don't believe anything illegal *necessarily* happened.  You're allowed to discriminate against that list all the time like when hiring a model, an actor, or a pastor that have to be a specific age/gender/ethnicity/religion, etc or other jobs that require it.  And yes, any public facing position at an explicitly christian organization does require it.  If I call a christian plumbing company I would expect them to send a christian plumber.  You can also discriminate against the degree to which someone is religious as well.  Imagine if you couldn't use answers like ""Do you go to church regularly"" when interviewing a pastor.  I worked previously for a christian organization that required many positions to be christians like salesmen and board members.  All other internal positions like accountants, etc. they would not even ask ""are you christian"" for legal reasons because it wasn't required for the job.  So it was either explicitly required in the job description or they couldn't ask or take it into account when hiring you."


Microsoft (kinda) already does this. If you can get a job at Microsoft, you can take pretty much get as much training as you want in-house and move your career towards any other job at Microsoft.   http://careers.microsoft.com/careers/en/us/careerdevelopment.aspx  Personally I think this is a much better systems than the carrot/stick approach.


"What you charge them depends on what kind of use you want them to have of the house.  Your use of the term ""roommate"" implies you're imagining, well, a roommate-type situation where everyone has full access to all common areas.  This is the usual situation when multiple people jointly rent a house that none of them owns.  In this situation all the roommates are essentially equals. But if you own the house and are renting it out, you can do whatever you want.  A lot of people would not look for ""roommates"" but for ""lodgers"" or ""tenants"" --- you rent one room to a person, and you decide what the terms are for their use of the rest of the house.  That means you get to decide if/when they use the kitchen, if/when they get to use your dishes, what they can do in the back yard, etc.  In this situation the roommates are not your equals.  You own the property and you set the terms for everyone else.  (To clarify after reading the other answer: by ""not your equals"" I don't mean to imply that renters aren't equal as human beings to the landlord or should be treated as lowly peasants or anything like that.  I just mean that they need not have equal decision-making powers with regard to the housing itself.) I would say the big difference is the social dynamic: personally, I wouldn't feel comfortable renting out rooms to ""roommates"" unless I was quite sure I would get along with them --- basically, the kind of people I would actually rent with, not just rent to. If you do rent roommate-style, and everyone has essentially equal access to all the facilities of the house, I'd say it's reasonable to split all house expenses roughly equally (with perhaps some adjustments for differences in amenities, like if one person has a larger bedroom than others).  If you rent tenant-style, where you're not expecting them to be your buddies, the best way to determine a reasonable rent is to find other people renting similar rooms and see how much they're charging.  Craigslist is a great way to do that; you can also ask around to people you know."


"A fund is a portfolio, in that it is a collection, so the term is interchangeable for the most part.  Funds are made up of a combination of equities positions (i.e., stocks, bonds, etc.) plus some amount of un-invested cash. Most of the time, when people are talking about a ""fund"", they are describing what is really an investment strategy.  In other words, an example would be a ""Far East Agressive"" fund (just a made up name for illustration here), which focuses on investment opportunities in the Far East that have a higher level of risk than most other investments, thus they provide better returns for the investors.  The ""portfolio"" part of that is what the stocks are that the fund has purchased and is holding on behalf of its investors.  Other funds focus on municipal bonds or government bonds, and the list goes on. I hope this helps. Good luck!"


I don't know of any financial account that offers that kind of protection. I'm going to echo @Brick and say that if you need that level of restrictions on the money, you should talk to a lawyer. Your only option may be to setup a trust. If you are willing to go with a lower level of restrictions on the account, a 529 plan could do the job. A 529 Plan is an education savings plan operated by a state or educational institution designed to help families set aside funds for future college costs. It will be in your daughters name, and has the benefit of being tax advantaged, unless its used for non educational expenses. Since your daughter is a minor, there would have to be a custodian for the account that manages it on her behalf. The penalty for using it for non educational expenses might suffice to keep the custodian from draining the account, and I believe the custodian has a fiduciary duty to the account holder, which would open them up to lawsuits if the custodian did act in a way that was detrimental to your child.


Lets be honest here.  How many people have been in a store and have tried to get around someone who was hogging an aisle by walking *really* slow in the middle?  For those who've had to deal with this, how many times has that person been an upper class, white person?


I don't understand why these things are always either/or. It's not just lucky circumstances and it's not just hard work that makes someone successful. Example abound of rich kids who don't pan out and poor kids who make it.   Personally, I had access to a good education growing up and I pushed myself hard to capitalize on it. Luck is the access, but hard work was necessary to convert. I've had success in my career. Part of it is that I had opportunities to tackle tough challenges, but I also pushed to convert on those opportunities.


I found the answer. It was the Stock Ticker that I was looking for. So, if I understand correctly the price at certain moment is the price of the latest sale and can be used to get a global picture of what certain stock is worth at that certain instant.


Are we still discussing Amazon? Their net income has hovered around $1 billion per year for the past three years.  If that's profit-free, sign me up. They do have very thin margins, but it's clearly by design. And you really do have to take into account the massive volume of sales they do.  Still, like you, I'm curious to see if they'll ever turn into a mature, dividend-paying company. For example, it's been interesting to see Microsoft hike their dividend to a fairly competitive level while Yahoo resists being seen as anything other than a growth story.


Besides the ex-MIL not coming up with the monthly payments, and the ex-wife destroying the car there are other problems.  A lease generally limits you you a specific number of miles over the term of the lease. You may be limited to 1,000 miles a month for a total of 36,000 over the 3 year time of the lease. Your ex-wife could drive all 36K miles in her 24 months. Which means every mile your son drives will be at a penalty rate. Driving 1000 mile a month at 15 cents a mile is $150 a month in penalties, plus the original monthly cost of the lease.  You need to understand if the lease contract will allow this sort of transaction. You will need to name the principal drivers. They will require specific levels of insurance. If you don't name your ex-wife on the policy, and she is in an accident, the damages might not be covered. The leasing company could also pursue you for fraud.


Running a business requires lot of things, maintain and cleaning of office premises is an important part. It’s a tough task and requires daily monitoring. There are a number of janitorial service providers who offer the top class of cleaning services to the commercial and offices.  http://www.leesjanitorialservice.com/services


Yeah, just ran across one talking about making payments for 20 years and getting screwed. I feel terrible that these people were taken advantage of, but I also want to grab these people by the lapel, shake them, and ask them what the hell they were thinking :|


"Yes. The definition of unreasonable shows as ""not guided by or based on good sense."" 100% years require a high risk. Can your one stock double, or even go up three fold? Sure, but that would likely be a small part of your portfolio. Overall, long term, you are not likely to beat the market by such high numbers.  That said, I had 2 years of returns well over 100%. 1998, and 1999. The S&P was up 26.7% and 19.5%, and I was very leverage in high tech stock options. As others mentioned, leverage was key. (Mark used the term 'gearing' which I think is leverage). When 2000 started crashing, I had taken enough off the table to end the year down 12% vs the S&P -10%, but this was down from a near 50% gain in Q1 of that year. As the crash continued, I was no longer leveraged and haven't been since. The last 12 years or so, I've happily lagged the S&P by a few basis points (.04-.02%).  Also note, Buffet has returned an amazing 15.9%/yr on average for the last 30 years (vs the S&P 11.4%). 16% is far from 100%. The last 10 year, however, his return was a modest 8.6%, just .1% above the S&P."


In America, the government is ours.  We vote for all the people in it.  It is within our power to make it what we want and it is our responsibly to keep it functioning properly.  We have been doing a poor job for the past couple of generations, but we have the ability to turn it around.  To restrict the power of the US government is to reduce the power of the American people to determine the kind of society we want to live in.  I do not want to live under the tyranny of huge multinational corporations who only care that I work and consume.  Corporations haven't always owned and controlled the government to the degree they do today.  They have always had influence, and that is not necessarily a bad thing.  For the past 40 years, as we have been gradually moving towards a more laissez faire philosophy, government corruption has gotten worse and worse.  Tax cuts for the uber rich, blanket free trade agreements with 3rd world countries, and deregulation have caused corporations get much larger and far more powerful than they were a generation or two ago.  So much money has flooded into Washington because of these bad policy decisions, that it will be very hard to undo.  But the only way to undo the damage caused by supply side economics is for the American people to decide they want something else and to vote accordingly.


You're suffering from two basic mistaken ideas:  First, major breakthroughs basically never happen in one big step by a single, identifiable person or team. Even Einstein's theory of relativity was composed of a bunch of existing work - what he did was show that two or three disparate pieces were compatible.  Second, granting monopolies is a terrible way to promote the use or improvement of ideas, since it makes the first more expensive and leaves the second stuck in a legal morass. If the government has to get involved in research, steady funding + prizes would be a much more effective model.


"Exactly. Some people hear the words ""collective action"" or ""collective bargaining"" and think that they these are right out of the Marxist playbook.   However, unions are not anti-capitalist, they're just a way to make things fair, or closer to. It's not like a union allows for outrageous demands by workers to be met, or takes away the ability for management to manage. Employers have their lawyers and their economists to protect their rights and set prices, why shouldn't workers have similar experts on their side?"


"Gail Vaz-Oxlade from the television show Til Debt Do Us Part has a great interactive budget worksheet that helps you set up a ""jar"" or envelope system for each month based on your income and fixed expenses.  We have used this successfully in the past.  What we found most useful was, as others have said, writing everything down, keeping receipts, and thus being accountable and aware of our spending."


You can defer RRSP deductions like you've suggested. Here's an article from the CBC about it: http://www.cbc.ca/news/business/taxseason/story/2010/03/15/f-taxseason-delay.html


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4 months working from your kitchen doesn't sound like an isolated or incidental transaction. So I think that yes, that income would be taxable by NYS (and NYC/Yonkers if the kitchen is in these cities).


"This article is bogus. There may be companies where you would experience what the author describes, but it's not true where I work (I manage a department of 54 in a megacompany with 350k employees worldwide).   ""The books are cooked. Corporate boards must approve labor budgets, raises, and bonuses pretty early in the calendar year. "" It's true that the total department budget is set, for example, by June. You might take 4% of everyone's salaries and reserve that for raises to be allocated in the future. That doesn't mean everyone gets 4% increase, though. Some may not be eligible for increase--for example, if they've been there for 6 months or less. Some may underperform, meaning they get 2% or 0%. And some may exceed expectations, so they get 6%. Performance definitely matters.  ""Nobody knows how to talk about performance."" Well, that's quite a blanket statement, isn't it? True, it's /difficult/ to talk about a person's performance. And there's certainly room for managers to improve /their/ performance and ability to give feedback. But I've had plenty of bosses that know how to give good feedback and do so throughout the year (not just a year-end). I also believe that I'm pretty good at it--at least my employees have indicated that I'm improving :)  ""Unfortunately, you are not as fabulous as the executives in your company. Large bonuses are given at the top, which means that someone needs to be held accountable. Even if you've met and exceeded your goals for the year, that someone is you."" I'm not even sure how to respond to that one. The author needs some holiday cheer, I think. Large bonuses are given at the top, true. What does that have to do with a not-at-the-top employee's accountability? The points don't seem to be related.  ""Managers really love forced ranking."" Not true. Forced ranking sucks, isn't fun and is difficult. I believe good managers care for all of their employees. (Bad managers are something else altogether...)  ""Even if you rock, there isn't much money to go around"" The first accurate sentence in the article, woohoo! However, the author doesn't take into account at all that money isn't everything. Surveys of what motivates employees consistently shows that money isn't number one. Things like having a challenging job and working on important products usually come out over dollars-and-cents. And hey, we've built a real crappy economy. What do you expect?  ""As you participate in the end-of-year performance management process, the best thing you can do is to stay neutral, remain dispassionate, and be quiet."" I really take issue with this statement. DON'T DO THAT (please). Use the opportunity you  have with your boss to discuss her or his expectations and what you can change so that you meet them or exceed them. If you're already exceeding expectations, ask how you can take on new work, how you can contribute to the welfare of your fellow employees. This is how you get ahead.   ""Nobody really gets rich, anymore, from being a regular employee."" Getting rich depends on how you spend and save, not so much on how much you make."


"This may be a lame answer, but the best IRA contribution strategy is the one that will actually stick to. A single lump sum contribution every year may be a difficult thing for you to maintain.  When it's time to make your contribution, you may say ""eh, $5000 is a lot of money, and my checking account balance is kinda low, I'll wait before I contribute"".  You keep putting it off, and then you miss the opportunity for the year. If you setup small regular automatic withdrawals, your IRA contribution will run on auto-pilot.  Depending on your cash flow, this may not be favorable, though."


I was in London about 6 weeks ago, and all of the locals were constantly talking about how squeezed the taxi drivers are. Their business has taken a huge hit because of Uber. From what I can tell, most people are giving monumentally more support to them than USA did to taxi drivers -- but the hit is there nonetheless.


Cyprus could be *forced* into such a position because the deposits are euro-denominated and the issuing central bank sits outside the sovereign authority of Cyprus. So they could go, hat in hand, to the ECB asking them to backstop deposits. A lender of last resort function that is more or less a given in countries with their own sovereign currencies.  In a country like the US, where deposits are denominated in US dollars and the US is the issuer of the dollar, there would always be a option. Bail-ins are certainly possible as a political choice but they'd never be the only option. Which is why you didn't see them or depositor losses of any kind in spite of hundreds of bank failures in the wake of the 2008 crisis.


I appreciate all the responses, but again, I have NO experience or education in the field.  I haven't started any major related college courses yet and do not have a job in the field. I am looking for beginner, introduction level reading material to start reading up on to start understanding the field before I even start school.


What qualifies as a transaction? Does the bill pay count? Otherwise, not sure what you'd do to get 12. If this requires you to actively do something 12x per month, not worth it. But I can easily set up 12 online bill payments.


You can withdraw the contributions you made to Roth IRA tax free. Any withdrawals from Roth IRA count first towards the contributions, then conversions, and only then towards the gains which are taxable. You can also withdraw up to $10000 of the taxable portion penalty free (from either the Traditional IRA or the Roth IRA, or the combination of both) if it is applied towards the purchase of your first primary residence (i.e.: you don't own a place yet, and you're buying your first home, which will become your primary residence). That said, however, I cannot see how you can buy a $250K house. You didn't say anything about your income, but just the cash needed for the down-payment will essentially leave you naked and broke. Consider what happens if you have an emergency, out of a job for a couple of months, or something else of that kind. It is generally advised to have enough cash liquid savings to keep you afloat for at least half a year (including mortgage payments, necessities and whatever expenses you need to spend to get back on track - job searching, medical, moving, etc). It doesn't look like you're anywhere near that. Remember, many bankruptcies are happening because of the cash-flow problem, not the actual ability to repay debts on the long run.


"Sorry but you already provided the answer to your own question.  The simple answer is to 'not day trade' but hold things for a longer period and don't trade a large number of different stocks every week. Seriously, have a look at the rules and see what it implies.. an average of 20 buys and sells of longer term positions PER DAY is a pretty fair bit of trading, that's really churning through the positions compared to someone who might establish positions with say 25 well picked stocks and might change even 5 of those a week to a different stock.  Or even a larger number of stocks but seeking to hold them for over a year so you get taxed at the long term cap gains rate. If you want to day trade, be prepared to be labeled as such and deal with your broker on that basis.  Not like they will hate you given all the fees you are likely to rack up.  And the government will love you also, since you'll be paying short term gains taxes.  (and trust me, us bogelheads appreciate the liquidity the speculative and short term folks bring to the market.) In terms of how it would impact you, Expect to be required to have a fairly substantial balance ($25K) if you are maintaining a margin account. I'd suggest reading this thread My account's been labeled as ""day trader"" and I got a big margin call. What should I do? What trades can I place in the blocked period?"


You may want to move money between your investments within the plan, rebalancing money to maintain your diversification. You don't have to deal with the details if selling and buying, just tell them how much to move where. Many plans offer investments that automatically rebalance for you such as Target Date accounts. You may be able to select one of those and just ignore the 401k until retirement, or at most rebalance even less often. Look at what's offered, look at what it costs as fees, run the numbers and decide whether you can do better.


Cheaper would refer to the fees of a fund rather than the share price, IMO. Are 2 quarters worth more or less than 10 nickels? This is another way to express your question though most open-end funds bought directly from the fund family or through fund supermarkets would do fractional shares that may be better than going through ETFs though there can be some brokers like Sharebuilder that used to do fractional shares though not necessarily having the best execution as I recall.


Meanwhile, **Granvil, who no longer drives** because of poor health and **uses a broker to hire a driver**, said he is facing threats from the lender, Melrose Credit Union, to foreclose on not just his medallion, but also his house.  This really bothers me. It shows how medallions have prevented even other cabbies from competing.  I doubt if Granvil see how he really isn't any different from Uber and Lyft now.  He's a middle man.  But unlike Uber and Lyft that provide infrastructure for finding clients, Granvil provides nothing other than his government sanction medallion.


"You withdrew the 'cash' portion, and will pay tax on it. How was the check ""another for move remaining to B"" issued? Was it payable to you? If so, it's too late, it's your money and the whole account was cashed out.  If it was payable to B, you should have had it sent directly to their custodian, are you saying you still have that check? You might need to ask A to reissue the check to you, since you are no longer in the US. I'm not sure if you can roll it to an IRA at this point."


Regulation is necessary for preserving competition. Regulatory capture is the problem.  Capitalism is all about efficiency, costs are very similar for all participants, so if you're more efficient than your competitors you gain market share (even if that means marketing or lobbying efficiency). Monopolies, cartels are always natural attractors for markets, and with serious barriers to entry (infrastructure by its nature is very much about network effects overcharged by economies of scale gains) it's not much of a surprise that we're in the current situation even after Ma' Bell got split up.  Or, you can go for the maximum property rights libertarianism, but then you are very much in the danger of getting eaten by marketing-fanaticized big-estate zombies. (Since people are not to be trusted even basic acceptance and coordination of property rights is/would be difficult, and with increasing craziness in the wilderness your security insurance premium would go up until you just can't afford it anymore. That's why I'm a bit afraid of all out anarchy as touted on AnCap subreddits.)


Sameer Thakar has various interests in music Anyone knows Sameer Thakar knows that he loves to engage his body as well as his mind. He is an active runner and tries to get out on the pavement as often as possible and get moving. He understands that exercise is the best way to relieve stress, improve mind, and keep in shape. In addition to that Sameer Thakar participates in a number of athletic activities, including cricket, tennis, and racquet ball. He is also an avid chess player, which is a great way to exercise the mind.


>The issue I had with it is long distances.  Well, you need fast-chargers to travel long distances.  Tesla has these  along all major highways.  For example, I make regular trips to Lake Michigan every summer, about a 250-mile trip.  There are two Superchargers on my route.  I will plan on hitting one of them.  But right now I have to plan on hitting a gas station along the way.  So it doesn't seem that different to me.  You're going to point out that takes longer than fueling with gas.  Yes it does,typically about a half-hour.  I accept this because I save so much fueling time for the rest of my driving, when I can fuel up at home.  You might not think that's a fair trade.  I do.  That's why I like EVs and you don't.


"I think the basic question you're asking is whether you'd be better off putting the $20K into an IRA or similar investment, or if your best bet is to pay down your mortgage.  The answer is...that depends. What you didn't share is what your mortgage balance is so that we can understand how using that money to pay down the mortgage would affect you.  The lower your remaining balance on the mortgage, the more impact paying it down will affect your long-term finances.  For example, if your remaining principal balance is more than $200k, paying down $20k in principal will not have as significant an effect as if you only have $100k principal balance and were paying down $20k of that. To me, one option is to put the $20k toward mortgage principal, then perhaps do a refinance on your remaining mortgage with the goal of getting a better interest rate.  This would double the benefit to you.  First, your mortgage payment would be lower by virtue of a lower principal balance (assuming you keep the same term period in your refinanced mortgage as you have now.  In other words, if you have a 15-year now, your new mortgage should be 15 years also to see the best effect on your payment).  Further, if you can obtain a lower interest rate on the new loan, now you have the dual benefit of a lower principal balance to pay down plus the reduced interest cost on that principal balance.  This would put money into your pocket immediately, which I think is part of your goal, although the question does hinge on what you'd pay in points and fees for a refinance. You can invest, but with that comes risk, and right now may not be the ideal time to enter the markets given all of the uncertainties with the ""Brexit"" issue.  By paying down your mortgage principal, even if you do nothing else, you can save yourself considerable interest in the long term which might be more beneficial than the return you'd get from the markets or an IRA at this point. I hope this helps. Good luck!"


You might what to check out Interactive Brokers. If your India stock is NSE listed they might be able to do it since they support trading on that exchange. I would talk to a customer service rep there first. https://www.interactivebrokers.com/en/index.php?f=exchanges&p=asia


I've just finished reading *The Second Machine Age: Work, Progress, and Prosperity in a Time of Brilliant Technologies* by Erik Brynjolfsson and Andrew McAfee. I thought this would be a book about technology but actually it was written by economists. Anyway, this book explains how inequality is caused by changes in technology. This 2013 book must have been very influential and inspired a million puff pieces, because I've heard all of its arguments before, but never explained so well.


When my orders fill, I'll often see a 1000 shares go through over 4-6 transactions, with a few cents difference high to low, but totaling the transaction cost, it adds to one commission (say $10 for my broker). Are you sure a series of partial fills would result in as many as 20 commissions?


**Mercantilism**  Mercantilism was a type of national economic policy designed to maximize the trade of a nation and especially to maximize the accumulation of gold and silver. It was dominant in modernized parts of Europe from the 16th to the 18th centuries. It promoted governmental regulation of a nation's economy for the purpose of augmenting state power at the expense of rival national powers. With the establishment of overseas colonies by northern European powers early in the 17th century, mercantile theory gained a new and wider significance, in which its aim and ideal became both national and imperialistic.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/economy/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.24


So what, its still plagued with problems. The model X according to consumer reports is terrible too.  I want a car that works with minimal problems, not something thats fucked up and they have to keep fixing.  I don't want a BETA version of a car


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From here The formula is M = P * ( J / (1 - (1 + J)^ -N)). M: monthly payment RESULT = 980.441... P: principal or amount of loan 63963 (71070 - 10% down * 71070) J: monthly interest; annual interest divided by 100, then divided by 12. .00275 (3.3% / 12) N: number of months of amortization, determined by length in years of loan. 72 months See this wikipedia page for the derivation of the formula


"The American ""Security Exchange  Commission"" has imposed a rule upon all stock trading accounts. This rule is ""Regulation-T"". This rule specifies that stock trading accounts must be permitted three days after the termination of a trade to settle the account. This is just fancy lingo to justify the guarantee that the funds are either transferred out of your account to another persons  (the person that made money), or the money flows into your account.  A ""Day Trader's"" account avoids the hassle because you're borrowing money from your broker to trade with and circumvent Reg-T.  It's technically not how long you hold the trade that determines if you're a day trader, or not. It's your accounts liquidity and your credit worthiness."


That is a weird one.  Typically one never needs to layout cash to exercise an option.  One would only choose to use option 1, if one is seeking to buy the options.  This would occur if an employee was leaving a company, would no longer be eligible for the ISO (and thereby forfeit any option grant), and does not want to exercise the options.   However, what is not weird is the way income tax works, you are taxed on your income in the US.   I assume you are talking about the US here. So if you exercise 10K shares, if under either option, you will be taxed on the profit from those share.   Profit = (actual price - strike price) * shares - fees


The solution was to get a foreign bank in each country we do business in. Get a credit card processor there, and simply make our money and keep our money in that country, and taking quarterly gains from those accounts and bringing them to the US account.


"With that credit rating you should have no trouble getting a rate in that range. I have a similar credit score and my credit union gave me a car loan at 1.59%. No haggling required. In regards to your question, I think you have it backwards. They are more likely to give you a good rate on a high balance than a low one. Think about it from the bank's perspective... ""If I give you a small sale, will you give me a discount?"" This is the question you are asking. Their profit is a factor of how much you borrow and the interest rate. Low rate=less profit, low financing amount = less profit.  The deal you proposed is a lose-lose for them."


What we're used to?  Who is used to?  When I was a MW earner back in the early 90's I lived in a 2BR apartment with three other people and ate lots of those variety 100pack boxes of ramen noodles.  The average MW adjusted for 2013 dollars from 1938 to 2013 is $7.30 per hour.  Of those 75 years, 36 was below the current MW.  Only two years (68,69) it was over $10.  But ya gotta have $15 now.  Need that cellphone, in-app purchases, netflix and fidget spinners.


"The technicals have been screaming ""short this market"" for days now. So yes, a correction is coming. If you're concerned about losses, then take some winners off the table and hedge with some short positions (or long inverse ETFs)."


Your business can be promoted by its Buy Instagram Followers pendant, but the question is how can you make authentic Instagram pendant for business? For example, if you join Instagram and only have 100 followers, it is not enough because another company offers services similar to the ones you join and you have thousands of followers. It can be pushed aside as people tend to move with companies with a large successor base. They are moving into a business where a great class of people are spinning. Therefore, to get organic trailers, you need to have more trailers.  If you promote the business based in the United States, then you need to search all the companies online with the key Instagram Buyers, name the country and you will see a lot of prestigious companies that can help you buy real Instagram Trailers.


"In the United States, many banks aim to receive $ 100 per year per account in fees and interest markup.  There are several ways that they can do this on a checking account.  These examples assume that there is a 3 % difference between low-interest-rate deposit accounts and low-interest rate loans. Or some combination of these markups that adds up to $ 100 / year.  For example:  A two dollar monthly fee = $ 24 / year, plus a $ 2,000 average balance at 0.05% = $ 29 / year, plus $ 250 / month in rewards debit card usage = $ 24 / year, plus $ 2 / month in ATM fees = $ 24 / year. Before it was taken over by Chase Manhattan in 2008, Washington Mutual had a business strategy of offering ""free"" checking with no monthly fees, no annual fees, and no charges (by Washington Mutual) for using ATMs.  The catch was that the overdraft fees were not free.  If the customers averaged 3 overdraft fees per year at $ 34 each, Washington Mutual reached its markup target for the accounts."


If you're reasonably sure that the client isn't acting in good faith and you have no intention of doing business with them again, you can still make back some of the money.  Sell the debt to a collections agency if you don't want to go through the hassle of suing.  Make sure they're actually ignoring you though.  A friendly, non-confrontational phone call might jiggle something loose.  Especially if you give them the option to set up some sort of payment plan.


"I haven't read the book and have no intention of reading it. This definitely looks like a forced savings plan with ""Whole Life Insurance"" as the theme – which is pretty bad for someone who is able to take care of his finances. It would be good for someone who is not very good with his finances and wants to be forced into savings, but then even for those people it would only help a little; there are enough clauses that would make things more bad for him. i.e. one can choose to take a loan, pay only interest etc. No book is going to help you build a savings habit. One has to realize and spend what is essential (it means not buying or doing tons of things) and putting quite a bit away for a rainy day. After this, comes investing wisely..."


That's crazy! And I completely sympathize with working moms, it's a rough life. I worry about this when my wife and I have kids how we'll manage, more how she'll manage with her teaching job.  If I can ask an admittedly loaded question with some assumptions, do you think if society wasn't so fiercely competitive and dual income wasn't as necessary to live a comfortable life, we'd be better off? What I'm really getting at is are we using technology to attempt to solve problems that shouldn't exist in the first place?


"> nor does poor political judgement make him also poor at running businesses.  People don't *really* have ""different flavors of judgement."" If he supported Donald Trump, there's a reason. What is that reason? Liked his politics? Liked that there was an (R) after his name? Was swayed by the siren song of ""drain the swamp""?   I'm a moderate progressive who wants single-payer healthcare, cuts in military procurement, elimination of ""Right to Work"" laws, stronger labor protections, etc.   And I seriously question the judgement of anyone who says that Hillary Clinton ""did nothing wrong"" when talking about her email server. After a year of debating the issue, I feel that anyone who says that is not actively engaging their brain, but rather that they've decided they like Hillary Clinton and will make decisions that favor her despite overwhelming factual evidence to the contrary.   While I wouldn't completely dismiss someone based on it, I do have a number of friends and colleagues I know who fall into this group, and I would take any recommendation they made regarding political issues with serious skepticism.   Or a broader analogy - let's say a friend took you to dinner somewhere, and you got violently ill afterwards. You mention it to your friend, who says ""Yeah, me too - happens every time I eat there, but I just really love the food.""  So - do you now question your friend's judgement only with respect to choosing restaurants? Or do you kind of start to question it across the board?"


"I personally think the ACA will be left alone until it collapses. Nobody from either party wants their name associated with it or anything like it.  Depending on the ""deal"" that you get (based off of income or provided by employer) the ACA collapsing will be a great thing or an awful thing. Regardless of how you feel, its financially unsustainable.   From an NYTimes article from June 9th, 2017: > For the First Time, 45 Counties Could Have > No Insurer in the Obamacare Marketplaces  also > 1,388 counties with one insurer  https://www.nytimes.com/interactive/2017/06/09/us/counties-with-one-or-no-obamacare-insurer.html  In addition to all of this I also think that the whole thing was a ploy to boil everything down to a 'single' insurer and therefore have single payer insurance by default.  Before you downvote me for serving up a Failure Burger (ACA) wrapped in Failure (GOP not acting on it) please respond with an argument as to why this is financially sustainable. I get that it helps poor people and *""wont somebody think of the children""* but this timeless ploy of feigning consideration for the old and infirm is about to have the whole country careening off into the great unknown.  Also, shame on Obama for passing this to begin with and shame on Obama for being at war *every single day of his two terms*."


Here's a point in favor of central banks: With a central bank in the middle making sure payments clear, transactions can happen with near perfect trust. When a bank has a daylight overdraft, the Fed covers it. When a bank needs overnight funding, the Fed provides it. If a bank needs vault cash, a truck shows up from the Fed.  Without this, no one could ever be entirely confident the other party was money-good. With a volume of transactions that can amount to annual GDP in as little as six days, this level of trust is critical to a smoothly functioning system of payments.


You bet if it was so simple. This is when financial acumen comes into its true form. The bank would never ever want to go insolvent. What it does is, take insurance against the borrower defaulting.  Remember the financial crisis of 2008 which was the outcome of borrowers defaulting. The banks had created derivatives based on the loans distributed. CDO, CDS are some of the simple derivatives banks sell to cover their backs in case of defaults. There are derivatives using these derivatives as underlyings which they then sold it across to other buyers including other banks. Google for Fabrice Tourre and you would realise how much deep the banks go to save themselves from defaulters. If everything fails then go to the government for help. That was what happened when the US government doled out $600 billion to save the financial sector.


You know what scares the shit out of giant militaries? A single person with some code or a goat herder with an improvised bomb. Do you know what keeps individuals safe? A well armed population that is capable and willing to defend themselves and their neighbours. Instead of a government that works hard to make it illegal to defend yourself.


You are probably right that using a traditional buy and hold strategy on common equities or funds is very unlikely to generate the types of returns that would make you a millionaire in short order. However, that doesn't mean it isn't possible. You just have to accept a more risk to become eligible for such incredible returns that you'd need to do that. And by more risk I mean a LOT more risk, which is more likely to put you in the poorhouse than a mansion. Mostly we are talking about highly speculative investments like commodities and real estate. However, if you are looking for potential to make (or more likely lose) huge amounts of money in the stock market without a very large cache of cash. Options give you much more leverage than just buying a stock outright. That is, by buying option contracts you can get a much larger return on a small movement in the stock price compared to what you would get for the same investment if you bought the stock directly.  Of course, you take on additional risk. A normal long position on a stock is very unlikely to cause you to lose your entire investment, whereas if the stock doesn't move far enough and in the right direction, you will lose your entire investment in option contracts.


"Allen, welcome to Money.SE. You've stumbled into the issue of Debt Snowball, which is the ""low balance"" method of paying off debt. The other being ""high interest."" I absolutely agree that when one has a pile of cards, say a dozen, there is a psychological benefit to paying off the low balances and knocking off card after card. I am not dismissive of that motivation. Personal Finance has that first word, personal, and one size rarely fits all. For those who are numbers-oriented, it's worth doing the math, a simple spreadsheet showing the cost of the DS vs paying by rate.  If that cost is even a couple hundred dollars, I'll still concede that one less payment, envelope, stamp, etc, favors the DS method. On the other hand, there's the debt so large that the best payoff is 2 or 3 years away. During that time, $10000 paid toward the 24% card is saving you $2400/yr vs the $500 if paid toward 5% debt. Hard core DSers don't even want to discuss the numbers, strangely enough.  In your case, you don't have a pile of anything. The mortgage isn't even up for discussion. You have just 2 car loans. Send the $11,000 to the $19K loan carrying the 2.5%. This will save you $500 over the next 2 years vs paying the zero loan down. Once you've done that, the remaining $8000 will become your lowest balance, and you should flip to the Debt Snowball method, which will keep you paying that debt off.  DS is a tool that should be pulled out for the masses, the radio audience that The David (Dave Ramsey, radio show host) appeals to. They may comprise the majority of those with high credit card debt, and have greatest success using this method. But, you exhibit none of their symptoms, and are best served by the math. By bringing up the topic here, you've found yourself in the same situation as the guy who happens to order a white wine at a wedding, and finds his Mormon cousin offering to take him to an AA meeting the next day.  In past articles on this decision, I've referenced a spreadsheet one can download. It offers an easy way to see your choice without writing your own excel doc. For the situation described here, the low balance total interest is $546 vs $192 for the higher interest. Not quite the $500 difference I estimated. The $350 difference is low due to the small rate difference and relatively short payoffs. In my opinion, knowledge is power, and you can decide either way. What's important is that if you pay off the zero interest first, you can say ""I knew it was a $350 difference, but I'd rather have just one outstanding loan for the remain time."" My issue with DS is when it's preached like a religion, and followers are told to not even run the numbers. I wrote an article, Thinking about Dave Ramsey a number of years back, but the topic never gets old."


This sounds like a pump and dump, just with a product instead of a stock, and it points to the need to regulate the medical supply industry pricing structure.  Because actual consumers are not involved in the market price, the price can be wildly inflated: Think bottled water after a natural disaster; the price would go up if it weren't for price controls put in place along with State of Emergency decrees.  It's usually not supply that is the issue, it's the inability of the consumer to self-regulate demand by either limiting use or finding other sources to fill demand.  Our Health system is not one that the consumer has any control over, and so control must be mandated.


This article completely misses a big part of his portfolio. He's a congressmen entitled to a full pension. He's guaranteed a 100k+ salary for the rest of his life. He's completely insured against deflation!   So if you've got a full pension that's insuring you against deflation than you want the majority of your other assets protecting you against inflation. It's a sound decision.


I try really hard to avoid commercials. To me, they are a 100% waste of time and money  I can't remember EVER buying something as a result of a TV commercial  Of course, there are things I buy that are advertised. But I don't buy them because of the ad, I buy them because I need or like them.


Look for communities such as Indians (folks from India). And this may be true about others as well, but if one guy hires you and you do a decent job, just a matter of time, before your calendar will be loaded with requests from others in the community.   How to reach out to them? As for indians, ask a local hindu temple about sponsorships, quite affordable many a times. Also take a couple of boxes of indian sweets and distribute them around if you happen to go to the temple. Could yield sweet results.   All the best.  ~~~~~~ EDIT : Edited for clarity


"Better suggestion: Refinance into a lower rate mortgage. In the US right now you could cut that rate substantially with very little effort, unless you are a bad credit risk. Also: Not all mortgages permit use as a ""line of credit"" without additional fees, in addition to credit card transfer fees. (There is often a different kind of house loan, at a higher interest rate, if you really need that flexibility.) So this idea may not even be possible, or those fees may kill it, even before considering costs and risks on the credit card side. Generally, gimmicks don't work."


A lot of the greatest innovators in America started out with little or no capital. Thomas Edison once sold newspapers and fruit on a train. Jack Welch was the son of a train conductor who worked his way up the ranks of GE. Steve Jobs was put up for adoption as an infant and was at one point homeless.   The idea that the 1% create all of the growth in the economy is a lie. Innovation and thus economic growth can come from any part of American society because it is part of our culture. The question is therefore not an economic one but a moral one. Do we, the citizens of the richest nation in the world, want to watch our fellow countrymen go hungry, homeless or die because they don't have living salaries or access to proper healthcare?


I don't see why it would be any harder to sell stocks or bonds than it is to sell a CD you may have.  Not to mention for large one time expenditures you can usually cover these with a credit card.  This gives you about a month to move money around to pay your credit card off in a timely manner without incurring a charge. I have had no problem getting a credit limit beyond 4-5 months of expenses for myself on a single card. I can't even think of a household emergency that you can't pay for with a credit card. Job loss situations are not going to require large amounts of money immediately. True catastrophic emergencies (natural disasters, ransoms) however will need fast cash potentially. However in this case the only thing that is good is having cash on hand. As you can't count on ATMs or Bank systems to be functional. Even more serious emergencies such as zombies, the end of world, or anything that involves total economic collapse would require things that are not cash. You would need to invest in things like supplies, shelter, guns and maybe shiny metals that may have value.


The problem with having no debt at all and relying totally on your income from working is that if you lose your job you'll have no income. Now there are 2 types of debt: good debt and bad debt. You should stay away from bad debt. But good debt is good — it should produce an income higher than the interest payments on the debt. Good debt will help you supplement your income from work and eventually replace your income from work. I have over $2M in good debt, have been semi-retired since 42, and sleep very well at night. By the way I also have zero bad debt. As Joe says, you have to be at a level you are comfortable with, can sleep at night, and try to limit your bad debt by showing some delayed gratification when you are starting off.


"This is the best tl;dr I could make, [original](https://www.sbnation.com/2017/9/19/16314082/nfl-ratings-colin-kaepernick-los-angeles-rams-owners-money) reduced by 94%. (I'm a bot) ***** > The simpler and also boring systemic problem with the NFL that might actually explain something is its success, and how that success made the ownership class in the NFL fat, lazy, and locked into a business model they have no real reason or incentive to change, even with falling TV ratings.  > An NFL owner no longer needs that to continue to boost the value of the franchise using anything that happens on the field.  > If you see an NFL franchise as just another asset to be maximized and squeezed for every dime, being good at football - i.e. producing a good product - doesn&#039;t matter.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/715fxw/the_nfl_is_being_devoured_by_its_own_economic/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~213083 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*: **NFL**^#1 **product**^#2 **league**^#3 **value**^#4 **franchise**^#5"


Just sat the Level 3 exam here.  I know a few folks who have passed their exams coming in from an Mech Eng background.  You're certainly at a disadvantage not knowing some finance, but don't let it discourage you.  Passing is more about working hard and self-discipline than prior finance knowledge.


I recently rejected an offer at a different firm that would have provided a 14k yearly increase. The reason for the rejection was because I would have had to give up two work from home days, my commute would have been about an hour and half each way, I would have lost about 14 extra days of PTO and holiday pay, and the new company didn't match anything for 401k.


"You're not thinking this through. Then there wouldn't be a problem.   >*""If you do things that other people value, you will never have a problem getting paid. The only time you can't get paid is if other people don't assign value to your labors. Basically, always be useful. ""*  You're fundamentally misunderstanding what's happening.  The ""value"" of HUMAN labor is determined by *supply and demand*, right? I hire people right now because they are the cheapest supercomputers with arms available for me *right now*."


Yes. My parents bought it quite a while ago; my father ended up in Alzheimer's care, and my mother needed full-time care for a couple of years. The long-term care insurance paid a significant amount of money; for my mother, it was something around $60K.


I'm a big fan of buxfer.com


Freeze your credit.  No one can open new accounts in your name if your credit is frozen.  How do I freeze my credit? This is good advice even if your identity isn't stolen.  There is a cost, but it is very effective.


"The ""price"" is the price of the last transaction that actually took place. According to Motley Fool wiki: A stock price is determined by what was last paid for it. During market hours (usually weekdays from 9:30AM-4:00PM eastern), a heavily traded issue will see its price change several times per second. A stock's price is, for many purposes, considered unchanged outside of market hours. Roughly speaking, a transaction is executed when an offer to buy matches an offer to sell. These offers are listed in the Order Book for a stock (Example: GOOG at Yahoo Finance).  This is actively updated during trading hours. This lists all the currently active buy (""bid"") and sell (""ask"") orders for a stock, and looks like this:  You'll notice that the stock price (again, the last sale price) will (usually*) be between the highest bid and the lowest ask price. * Exception: When all the buy or sell prices have moved down or up, but no trades have executed yet."


I don't have an account with either of those CUs, but I do have membership at 2 different CUs.  If they accept credit card payments online via transfer from another institution, there's no reason to move your money, unless there are other benefits (higher interest rates). All the CUs would likely require is membership ($5 deposit minimum?).  If you were to get a card through Chase or Capital One, you wouldn't be expected to open a checking/savings account with them and transition over to those accounts.


Growth in a 401k dodges taxes, which means more of the gains get reinvested. Effectively, it's a boosted return rate. Like any investment, a 401k can lose value. During the period before retirement, lower stock and bond prices actually help you buy more shares than you could if prices were high, so the real question is what the funds are doing at the time you start pulling money back out. That concern is why investors generally, not just 401k investors, should change their investment mix over time, to balance oossible risk against time to recover and possible reward.  And if your employer matches 401k contributions to any degree, that too improves your effective gains and buffers you against some of ghe risk. Hence the general advice that if you don't fund your 401k at least enough to max out the company match, you're leaving free money on the table.


Yeah, all tech suffers from obsolescence. That doesn't negate the inherent value, it just means that something could possible be more valuable in the future. The limited nature of Bitcoin and the increase in demand is what's driving the price at the moment. Many people are already invested in Bitcoin and that will give it fiat even in the face of competitors.


You have asked about getting a loan, the issue is that you don't have collateral to offer up in exchange for the loan, you also don't have a regular source of income. Getting a low level job, even one not related to your major will provide income. Getting a not-so-perfect job related to your major will allow your to sustain yourself, and provide experience that can help you find the perfect job. The time from application to interview to offer letter to start date can be measured in months. This is even with positions you are perfect for. Since it can take months to get started in a new job you should focus on something that you can get started right away.  This type of job will have a shorter time frame for the interview cycle. You may feel overqualified for the jobs based on the fact you just graduated from college but this was the type of job you should have had to bridge you from school to the job you want.  Regarding the end goal of getting the perfect job, you might have to refocus your efforts. When you had time and money you could afford to be picky about company, location and salary. Now that money is in short supply you will need to change your standards. Keep in mind it is not just an issue about being able to travel to job interviews, it is also about needing a way to afford food, and health insurance. Go back to your college campus and talk to the career counselors they can help your with your resume, and give job search advice. They may also have contacts that can help you find a position with a good local company or even a national company. They may even know of companies that need employees for just a few months to fill a need.


Unless you started a bank or other kind of a financial institution (brokerage, merchant processor, etc etc), the page you linked to is irrelevant. That said, there's enough in the US tax code for you to reconsider your decision of not living in the US, or at least of being a shareholder of a foreign company. Your compliance costs are going to go through the roof. If you haven't broken any US tax laws yet (which is very unlikely), you may renounce your citizenship and save yourself a lot of money and trouble. But in the more likely case of you already being a criminal with regards the US tax law, you should probably get a proper tax advice from a US-licensed CPA/EA who's also proficient in the Japanese-American tax treaty and expats' compliance issues resolution.


/u/HellaSober basically nailed the gist of it. This is mostly second-hand information, but junior people are encouraged to speak up and to scrutinize ideas, regardless of their source. In reality, office politics are dominant and it's not uncommon for those who contradict or challenge the wrong higher-up to get publicly and brutally thrashed for it.   Throw in the high demands and extreme stress inherent in working for one of the world's largest hedge funds, baby you got a stew goin.   To be fair, though, almost everyone who's trash talked it to me also talks about how their time at BW was formative and prepared them well for their careers...but none of them lasted more than 4 years there.  So, mixed bag, I guess...  EDIT: words


> intelligent agile approach  beep beep beep! Bullshit alert.  Tracking one's individual medical data in the absence of disease is not beneficial for that person or his or her healthcare provider. So most people will see no personal benefit in doing this, and good luck getting a consumer to fork over this data for monetizable purposes (even for cheaper insurance rates, because the logical argument is won't I be charged more if the healthy are charged less?). The fervor around Google or FB ads is large enough.  Also, technically speaking, HealthKit is a way to surface and centralize data. Apple will never let an arbitrary app funnel out a user's data to some other database.


Hi /u/snappykr22. Thanks for responding.  It has a critical effect. If the mandate is not enforced then fewer healthy people sign up and the death spiral begins. [The insurance companies are saying they are raising premiums in 2017 because of President Trump's actions](https://www.bloomberg.com/news/articles/2017-05-09/obamacare-premiums-rise-as-insurers-fret-over-law-s-shaky-future).


ParkAir Meet and Greet collects your vehicle at the London Heathrow Terminal 2 Short Stay Car Park Level 2 Zone A and B (Off airport parking bays are marked in black and white board). After handing in your vehicle to our Valet all you have to do is to make the less than 2 mins walk straight into the Depature Terminal to Check In.