No, it's not illegal.  I think the point is that the largest company in the world with billions in profits doesn't pay its workers enough money.  All of us pay for that shortcoming in Wal-Mart corporate policy.  It's not a legal issue, no.  It's a *moral* issue.  Unfortunately, the only political movement that favors fixing this kind of thing and wants to strengthen the power of **unions** are those on the left.  The very people that would benefit greatly from a union are the people who wouldn't want to be caught dead agreeing with dirty lefty hippie Negro communist Muslims.  The left can't do it all by itself; everyone involved needs to come together.  Right-wing, anti-union forces (like FOX News; there are many, many others) work very hard and are very successful in killing the very idea of unionization.  So it's a non-starter.


Ok. They take a lot of risk with a 29 years old CFO with little experience.  Maybe the idea is to save tons on money by paying much less for a kiddo that work non-stop (while some older experienced finance people are watching every step he does)?  Anyway, I work in the same company (electronics) for 20 years. Quite high in the corporate ladder (IT). The amount of damage done by clueless young Harvard garduates is astonishing. They are mostly just good with talking very convincingly.  I also figured out how manipulate them with their ill-conceived IT projects: I let them fail without giving any warning for how bad are their ideas.  Their life-span in my company is 2-3 years. Most got fired, and the company never learned the lesson.


Both types of plans offer a tax benefit.  A traditional IRA allows you to invest pre-tax money into the account and it grows tax free. Once you withdraw the money it then gets taxed as though it were income based on the amount you withdraw for that calendar year. A Roth IRA has you invest post-tax money and also grows tax free. However, when you make withdraws in retirement that money is then tax free.  Neither plan is right for everybody. If you have a very high income now and plan on being in a smaller tax bracket later when you'll be making withdraws then the traditional IRA is better. If you will be in a higher bracket later, then the Roth IRA will serve you more. Depending on the way you manage your retirement investing you can likely invest in both if you are unsure as to which would be better. The same type of investments should be able to be nested within each type.


This scares me. Investing legend Jeremy Grantham has talked in the past about election year cycles. We've had significant stimulus this year, we've got a lot of congressmen that would seem fine with the system crashing next year, and the fed is so near a liquidity trap that they've already collapsed the long end of the yield curve. A very dangerous situation.


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Well its an old training video (80's). Bar that it gets the message across. The main guy is Jacob from twilights' dad. My company has everyone watch it in training and we try to use it to one degree or another. I do like the messages it puts across though.


The purpose is to go public but also to generate more wealth. The real money comes when market values you at a price more than your cash flow. If a company brings in $1000 of cash flow, then that is what the employees and owners have to distribute among themselves. But if they are likely to increase to $2000 next and $4000 next year and they go public then the stock will do well. In this case, the promoters and employees with options/RSUs will benefit as well. The increased visibility is also very useful. Look at Google or FB. They didn't need the IPO proceed when they went public. They had enough cash from their business but then they would only have $1-10 billion a year. But due to the IPO their investors and employees have a huge net worth.  Basically, with just a small % of shares in the public you can value the company at a high price valuing in the future cash flows (with a discount rate etc.). So instead of realizing the profit over the next 15 years, you get to enjoy it right away.


Here's a description. The relevant discussion for tax year 2010 starts on page 22 of the 1040 instructions.


"Hahaha, that sounds good but in real life pensions are almost never fully funded and almost never fully funded when starting off. That is why the post office is almost always losing money. They're required by law to pre-pay some crazy number like 70% of pension and retiree obligations up front which sucks up all resources.  When a employee opens a pension plan their employer starts contributing a target amount dependent on the stated benefits and the actuarial projections. The market doesn't always go up and the actuaries are not always correct with lifespans either.  You take the risk of losing that pension if you work for a bad company, same as if you invest in an employee stock option plan. You can usually take a lump-sum payout, but who would do that when you can get ""guaranteed"" money."


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Should go up, because people want to buy stock in company doing well.   A company could be complete shit.  But if Trump said, everyone buy this stock, it's going to save the seconded amendment and outlaw abortion.  That shit would go through the fucking roof.


I don't think the DRM has anything to do with it. Amazon is cheap and convenient. Finding specific e-book torrents can be a hassle, and causes people a small amount of guilt for not supporting the authors. Not only does Amazon have an incredibly convenient store that's integrated with its hardware, but paying for content is guilt-free. DRM itself doesn't do shit to prevent piracy.   I don't read many books, so I neither buy nor torrent, but this is pretty much how Steam caused me to stop pirating games.


There are so many things wrong with this it's absurd. But I will point out the three that stick out to me:  * Licensing used to be about making sure someone knew what they were doing instead of letting just anyone perform a job. Now it's used as gatekeeping, a barrier to entry, and/or a revenue stream. * If your business model can't stand on its own and needs someone to ban another business model your business model is outdated or bad. * Using a license as a commodity to support a retirement plan is just a terrible idea. I have no better words for this. Why would anyone think this is a good idea?  Seriously, I'm not even an opponent to regulation. I know that, in many cases, regulation is a good thing. Licensing to drive a 3500 pound death machine is a good thing. I like the idea of people having to learn how to drive and prove they know how to drive before they are given a license to drive. Licensing to drive a car as a taxi, however, is not. How hard is it to drive to a point on a map, pick someone up, drive them to another point on a map, and drop them off? The answer is: not very. In this case, the licensing involved is simply to keep the market from flooding and provide a pension plan to those fortunate enough to get in the game.


You can use a tool like WikiInvest the advantage being it can pull data from most brokerages and you don't have to enter them manually. I do not know how well it handles dividends though.


Seems like it's more dependent on who you want to be your supplier.  The times I've been involved in requesting this, each company had its own application form.  They usually need proof of business activity, which gets back to SpecKK's answer.


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I understand that most businesses are scared of investing money on SEO as there are tons of ones freelance and Agencies that are not good with SEOs. But i have helped affiliates and Local businesses to gain ranking in Google for their desired keywords. In fact if you search for seo expert europe you will find my agency site number 3 on google. That sends me phone calls from potential buyers who are interested to hire me to do SEO for their business. Think of the possibility of harnesses the online traffic from google reaching your website. I am sure you all will agree with me that online marketing is the best way to attract potential buyers to your business, no matter where you are from


It has been sort of hit or miss.  I sift through the piles of science fiction ebooks on amazon.com.  At this point the suggestions list and the most popular lists and the people who bought this also bought this lists seem to be a pretty good source.  I will admit that it isn't all winners.  The Hal Spacejock novel I'm reading right now is just terrible (supposed to be funny SciFi but ends up just being really shitty).  At the price I pay it is alright to get a dud now and then though.


529 Plans vs Coverdell ESA is a question where I provided a brief answer of the difference of these two accounts.  For your situation, I'd add that the 529 offers you a layer of protection, in that the account can remain your property with the children as beneficiaries. In other words, should your brother's fortunes change, or should the kids get full scholarships, you can change the beneficiary back to yourself, and withdraw the money (Tax and penalty, but the money is still yours.) Welcome to Money.SE. If you would like any clarification on my answer or others as they appear, just comment.


Not really. A bank will honor a million dollar check if there are funds there to let it clear.


">I just have to get used to that thought  No we have to start demanding that we own what we buy, the whole idea that we pay full price for the ability to access content only is total crap.   Sadly the majority of people dont understand this fact and will continue to ""buy"" music and books and games, etc and legitimize this model."


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A 401(k) is just a container. Like real-world containers (those that are usually made out of metal), you can put (almost) anything you want in it. Signing up for your employer's match is a great thing to do. Getting into the habit of saving a significant portion of your take-home pay early in your career is even better; doing so will put you lightyears ahead of lots of people by the time you approach retirement age. Even if you love your job, that will give you options you otherwise wouldn't have. There is no real reason why you can't start out by putting your retirement money in a short-term money-market fund within that 401(k). By doing so you will only earn a pittance, probably not even enough to keep up with inflation in today's economic environment, but at this point in your (savings and investment) career, that doesn't really matter much. What really matters is getting into the habit of setting that money aside every single time you get paid and not thinking much of it. And that's a lot easier if you start out early, especially at a time when you likely have received a significant net pay increase (salaried job vs college student). I know, everyone says to get the best return you can. But if you are just starting out, and feel the need to be conservative, then don't be afraid to at least start out that way. You can always rebalance into investment classes that have the potential for higher return -- and correspondingly higher volatility -- in a few years. In the meantime, you will have built a pretty nice capital that you can move into the stock market eventually. The exact rate of return you get in the first decade matters a lot less than how much money you set aside regularly and that you keep contributing. See for example Your Investment Plan Means Nothing If You Don’t Do This by Matt Becker (no affiliation), which illustrates how it takes 14 years for saving 5% at a consistent 10% return to beat saving 10% at a consistent 0% return. So look through what's being offered in terms of low-risk investments within that 401(k). Go ahead and pick a money-market fund or a bond fund if you want to start out easy. If it gets you into the habit of saving and sticking with it, then the overall return will beat the daylights out of the return you would get from a good stock market fund if you stop contributing after a year or two. Especially (but not only) if you do pick an interest-bearing investment, do make sure to pick one that has as low fees as you can possibly find for what you want, because otherwise the fees are going to eat a lot into your potential returns, benefiting the bank or investment house rather than yourself. Just keep an open mind, and very strongly consider shifting at least some of your investments into the stock market as you grow more comfortable over the next several years. You can always keep a portion of your money in various interest-bearing investments to act as a cushion in case the market slumps.


Any system of social organization that sees enough generational poverty that people like yourself are advocating that others don't have the moral right to procreate is an abject failure. If you don't see that, then there's no point in discussion. You can look down your nose and lecture 'responsibility' to poor people all you want, but you're only revealing an abhorrent lack of ethics and compassion on your part and a dismal failure of our economic system as a whole.


They aren't all rich on average. And oil and gas is actually now only about 25% of the economy in the UAE (incredibly!). There are good reasons why it felt that way, though: The UAE and a number of other oil-rich nations all realize that they need to diversify away from oil revenues. International investment and tourism are the main ways in which they hope to attract capital (free trade/full foreign ownership/no-tax zones, World Cup, etc.). Business and government are often one and the same or working closely together, and they are extremely savvy about cultivating your experience in their company, and want to make sure they are doing everything in their power to get you to like and spend money in their country. Essentially, you are visiting their version of Las Vegas. Additionally, they have taken on massive debt to create those kinds of cities and experiences. According to the World Bank and the CIA (see here), the per capita GDP of the UAE on a Purchasing Price Parity basis is about 18% higher than in the US. Since much of the oil wealth is controlled by the state, it is not certain how evenly that income is distributed (World Bank and CIA statistics do not provide R/P or Gini data for UAE, while it is provided for most nations).


"The new information helps a little, but you're still stuck as far as doing exactly what you asked.  The question that you really should be asking is ""How do I deposit money into my BofA checking account from Italy?""  If you can figure that out, then the whole part about your father's AmEx card really becomes irrelevant.  He might get that money from a cash advance on his AmEx card or he might get it from somewhere else. I think there's some small chance that if you call BofA and ask the right question, they may give you an answer that will let you make this deposit.  I tend to doubt it, but this would at least give you a chance. Other than that, you should probably look into some options based in Italy.  For example, get the cash from your father and open a bank account in Italy.  Maybe you can buy a pre-paid Visa card with the cash to use while you're there.  Maybe use traveler's checks for the rest of your trip.  Etc. What is available and what makes sense will still depend on a lot of details that we don't have (like how long you're staying and what type of entry visa you got when you entered Italy)."


In a warmongering country where the elite are rewarded, instead of punished, for destroying our economy and for sending our jobs overseas, my sole remaining way to show my patriotism is to try and promote the Americans who have had to resort to supporting themselves [with their crafts](http://welcomesite.com).


Uhhhh Huge miscommunication here. I think he was saying he went to community college or his college awarded him an associates. I have an associates degree from a community college and then I'm going to receive a bachelors from a university. I assumed that's what he was saying he did.  Otherwise, yeah, that's dumb.


Just for another opinion, radio host Clark Howard would suggest killing the private student loans as quickly as possible.  The only reason is the industry around private student loans has fewer rules as to how they interact with you, and they have historically been very unpleasant if you have to deal with them in bad financial times. As a safety net, get rid of the private student loans as your main focus while you have the money and rates are low.  Not for financial reasons per se, but for peace of mind. The other advice in this question are great, but nobody mentioned the potential dark side of private student loans.


> entire crux of the story was that credit ratings agencies weren't transparent and the market was being rigged. If regulation is good then there's no reason CDOs are a problem.   Naivete! Thy name is a reddit thread about CDOs!


"I was reading this and then looked for uppies/downies because I thought I'd written it...  I don't want to ""manage"" or be an executive. I just want to be respected for my work and really good at what I do (which I am). After that, I want to get paid for the work I do.   I'm a workaholic because I love what I do. I love tackling challenges and solving problems. My hobby *is* my job, so banging away at something on the weekend while my wife is in school is just fine with me.   And as an hourly consultant, I'm perfectly happy getting paid doing it. I also like the subtle pressure to actually produce things - it helps keep me focused. (I actually annotate what I've accomplished each day on my time sheet, which I think makes everyone happy)  I'm working about the same hours I worked on my last gig.   But I've just about doubled my pay."


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"Agree 100 %.   Nothing drives me more batty than when I hear a health food nut complaining about GMO food or ""chemicals"". I ALWAYS challenge them on it.    RE GMO: ""Do you eat apples and bananas? Did you know farmers have been gene splicing apples and bananas since the 1800s? There has literally not been a single apple sold in stores since the early 1900s that is not spliced. All of those Apple"" varieties"" in the store are a result of splicing over the years, including your overpriced ""organic"" ones.   RE ""chemicals"" like ammonia: ""Ammonia is 100% natural. Your own body produces ammonia all the time, as do all other mammals. You can find ammonia residue on most fruits and vegetables in the grocery store that haven't yet been thoroughly washed (read: almost all, including organic)   Most all chemicals are found in nature. Water itself is a chemical and can kill you if ingested beyond normal guidelines. When consumed according to guidelines there is no difference between one chemical and another, like water. Show me the science behind your concern, don't try to frighten people with the word ""chemicals"" which is meaningless."


If you want to use the original material then you will, essentially, need to negotiate for it.  You are in ugly, muddy territory.  Don't expect a simple, easy legal solution to exist; civil courts exist partly to help navigate these kinds of quagmires.  A negotiated solution would, on the other hand, clean everything up nicely.  Do you have your copyright ducks in a row?  If the contract does not stipulate otherwise, the creator will still maintain reproduction and moral copyright to the work; i.e., the creator will continue to own the copyrights to the work and you'll be unable to license or sell them to a third party.


They are there, but they are insanely slow.   A truck driver does not have to wait for the 100+ cars in front of him to bo unloaded.  A truck driver does not have to wait for the rail line to be free.  A truck driver does not have to wait for a locomotive to deliver the one car of product.  For the same reasons people own cars, there will always be trucks. Rail lines simply can not reach eveywhere.  Sending something cross country via rail can sometimes take 2-3 weeks. By truck it can take only a few days.


Beta is an indication of a Stock's risk with respect to the market.  For instance if a stock had a beta of 1 it means it is in tandem with the S&P 500. If it is more than 1, the stock is volatile.  If it is less than 1, it implies market movement doesn't affect this stock much. Tech stocks and small cap stocks have high beta, utilities have low beta. (In general, not always). Hope this helps - I've tried to explain it in very simple terms!


"A quick Google search for FlagStar Bank shows that this is their standard practice. Quite a few people are complaining about the robo-calls they start receiving on the 5th of every month and FlagStar's response is usually something along the lines of ""we're required to do so"". First and foremost, confirm the terms of your mortgage. Based on your story and information provided so far, it sounds like you're legally in the clear to pay as you have been.  It appears that they have an internal policy of firing off robo-caller on the 5th for anyone who hasn't paid their mortgage yet. With the number of individuals defaulting on loans over the past decade, this was probably a simple business decision to aid in reminding people to pay up.  Your 3.5 choices as I see it are: 2a. A variation of #2: set up a phone number just for that bank using a service like Google Voice and filter your calls so you don't have to deal with them on your primary line."


My question is (ok a lot of questions) how viral are these borrowing cost increases? Will other European countries need to raise bond yields to sell bonds? Will the US? Will the US be lending Spain part of the $125b bailout money and raise borrowing costs?


Another one I have seen mentioned used is Equity Feed. It had varies levels of the software depending on the markets you want and can provide level 2 quotes if select that option. http://stockcharts.com/ is also a great tool I see mentioned with lots of free stuff.


Yep, this isn't the movies. Popular people are popular for a reason. They're likable.   Outcasts are outcasts because they went against the norm, speaking from experience. That doesn't play very well in business either. I'm not talking Steve Jobs against the norm, I'm talking Dwight Schrute against the norm.


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This almost seems worse than Google buying HTC's phone division outright. 2000 HTC designers and engineers are now Google employees, yet, HTC still claims they'll be able to design and build phones. $1 billion cash and 1/5 of their labor pool gutted. It will be interesting to see how it pans out for HTC.


"The S&P 500 index from 1974 to present certainly looks exponential to me (1974 is the earliest data Google has).  If you read Jeremy Siegel's book there are 200 year stock graphs and the exponential nature of returns on stocks is even more evident.  This graph only shows the index value and does not include the dividends that the index has been paying all these years.  There is no doubt stocks have grown exponentially (aka have grown with compound interest) for the past several decades and compounded returns is definitely not a ""myth"".  The CAGR on the S&P 500 index from 1974 to present has been 7.54%: (1,783 / 97.27) ^ (1 / 40) - 1 Here is another way to think about compounded investment growth: when you use cash flow from investments (dividends, capital gains) to purchase more investments with a positive growth rate, the investment portfolio will grow exponentially.  If you own a $100 stock that pays 10% dividends per year and spend the dividends every year without reinvesting them, then the investment portfolio will still be worth $100 after 40 years.  If the dividends are reinvested, the investment portfolio will be worth $4,525 after 40 years from the many years of exponential growth: 100*(1 + 10%)^40"


If you have access, factset and bloomberg have this.  However, these aren't standardized due to non-existent reporting regulations, therefore each company may choose to categorize regions differently.  This makes it difficult to work with a large universe, and you'll probably end up doing a large portion manually anyways.


As I understand it (please correct me if i'm wrong, i've looked at this before and i've been a sole trader briefly but I've never formed a LTD company) there are pros and cons to forming a limited company. Pros Cons


"This is the best tl;dr I could make, [original](https://www.usatoday.com/story/money/2017/07/07/sears-holdings-kmart-store-closures/459277001/) reduced by 78%. (I'm a bot) ***** > Sears Holdings continued its steady drip of store closures Friday with the announcement that it would close 35 more Kmart locations and eight Sears stores.  > Although the iconic American department store chain still has more than 1,000 locations, Sears has buckled under pressure from online competitors, having failed to reinvent its traditional store experience.  > &quot;It is obvious that we don&#039;t make decisions to close stores lightly. Our efforts have been, and will continue to be, fact-based, thoughtful and disciplined, with the goal of making Sears Holdings more relevant and more competitive for our members and other constituents.""   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6lws7p/sears_kmart_to_close_43_more_stores_as_retail/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~161827 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*: **Sears**^#1 **store**^#2 **locations**^#3 **close**^#4 **more**^#5"


If corporations are people, why do persons have to pay tax on their revenues (personal income) while corporations only pay tax on their profits (operating income).   If corporations are people, then everyone should pay taxes the same way - either on their revenues, or their profits. We shouldn't be discriminating.   Boy, if a person could only pay taxes on their profits (savings), instead of their revenues (personal income), it'd be a whole new ballgame.


There are classes of 'traders' who close their positions out every evening, not just on fridays.  But their are other types of businesses who trade shortly before or nearly right at market close with both buys and sells  There are lots of theories as to how the market behaves at various times of day, days of the week, months of the year.  There are some few patterns that can emerge but in general they don't provide a lot of 'lift' above pure random chance, enough so that if you 'bet' on one of these your chances of being wrong are only very slightly different from being right, enough so that it's not really fair to call any of them a 'sure thing'.  And since these events are often fairly widely spaced, it's difficult to play them often enough to get the 'law of large numbers' on your side (as opposed to say card-counting at a blackjack table) which basically makes betting on them not much different from gambling


I apologise, I'm not implying they won't make it into the industry. I believe Apple, Google, Amazon, Tesla, and/or Uber will all have major stakes in that market. The issue is, only 1 of those companies manufacturers cars. Even if Apple or Uber have the customer base to make the vehical cloud work, they aren't car manufacturers and will need to buy someone's self driving cars. Ford appears to be one of the few traditional car manufacturers that understand this. They're all messing with self driving cars, but they're the only one I'm aware of trying to pivot to being a mobility tech company.


AAPL will not drop out of NASDAQ100 tomorrow. From your own quote: The fund and the index are rebalanced quarterly and reconstituted annually


Brokers have the right to charge interest on any stock that they lend you. Since you borrowed the TSLA to short it, the owner of those shares can charge you interest until you return them. If you are not getting charged interest on some shares that you have borrowed to short, consider it generosity on the part of the lender.


IMO they were just being dicks.  I don't know if they are required to provide the payoff amount, but they should be able to at any point in time.  edit: I have mortgage experience.  I didn't see this too often, but borrowers sometimes payoff/include other debts on refis.  This requires a payoff statement from their creditors.  I've never heard of a closing getting pushed back to the next month due to a creditor not being able to provide the payoff.


"You can pontificate about how life is so hard for her because shit costs money and you're right, she can't support herself and kids. However, that doesn't change the basic economic reality that working full time at Popeyes simply DOES NOT provide enough value to her employer and there are two many people with her very low skill set that she cannot command a higher wage. No amount of government programs will change that. Robbing the tax payers through welfare, killing businesses and destroying jobs by imposing a wage that simply is infeasible is counter productive, unsustainable, and simply misguided. Don't believe me? Ask the University of Washington who have the numbers on Seattle's ever escalating minimum wage and the effect on [jobs.] (http://www.zerohedge.com/news/2017-06-26/shocking-study-finds-seattle-min-wage-hikes-has-cost-works-14mm-hours-year-6700-jobs) This is, of course, assuming you care that people are being put out of work so a few can be paid a ""living wage"". Welfare is an endless tap of free money, [right?] (http://www.usdebtclock.org)    The irony of your oh so well cited comment is that you didn't apply it to your own proposed solution of a minimum wage increase. [Here's](http://www.heritage.org/jobs-and-labor/report/higher-fast-food-wages-higher-fast-food-prices) a great analysis of effect of this change on consumer prices, how it affects the capital side of the equation of whether to operate a restaurant at all, and how a higher minimum wage impairs the creation of entry level jobs.    Succinctly, minimum wage jobs were never meant to be able to support a family of three, no matter how much you wish it could. By creating artificially higher wages you'll get higher unemployment, more substitution of labor with more capital intensive solutions (ordering kiosks, etc), and higher taxes and consumer prices.   Edit: Link B.S.  Edit 2: **trigger warning** Also, it's a lot easier to raise kids with two working parents, that's just math for you. Talk about a bad personal choice that no one has touched on. Poor kids :("


This is a standard check. To complete the order, I need to enter the bank routing number, my account number, name address, and phone, if I wish. The name of the bank is required for the order, but does not appear on the printed check.   For checks you print, this will be no different. It's your name, and address, not the bank's, that goes on the check.


Banking vs. speculating isn't a relevant dichotomy here.  If my broker-dealer goes belly-up, I'm covered for up to $500K to replace the cash and securities I had on deposit with them.  If he was doing forex investing, he fell into one of the few areas which is not covered by SIPC deposit insurance.


Don't invest. Keep cash. And wait till you see a crash in the price of some of your favorite blue chip stocks. But wait till the true bottom is in...you will know when is the right time as it will be obvious.


"The standard measure of risk is the variance of the asset. The return on investment of the asset is understood as a random variable with a particular distribution. One can make inferences about the underlying distribution using historical data. As you say, this is what the quants do. There are other, more sophisticated measures of risk that allow for such things as skewed distributions and Markov switching. If you are interested in learning more, I suggest starting with the foundations of Modern Portfolio Theory: ""Portfolio Selection"" by Harry Markowitz and ""Capital Asset Prices"" by William Sharpe."


> which is why i find it wrong that interest for money collected in a given financial year is announced after the end of the next financial year.  Oh, I may have misunderstood. Generally it would be reported at the end of the *same* year. I'm a little intrigued as to why it's waiting a year to be reported... are contributions reported elsewhere?


"We measure the value of gold by comparing it to other things. Sorry, but there is no better answer than that. There is no gold standard (pun intended) by which objects can be measured in value because ""value"" is a subjective term. It would be comparable to asking how funny is an object. Different objects are funny to different people. Even if we gathered all the really ""funny"" object together, there is no guaranty those objects would be funny next year - unless we all agreed they were as part of a social contract. Which is basically what we do with currency. While gold does not need a social contract in order for it to retain its value, this is only because it is has been (1) very useful and (2) rare. If either of these two factors change, the value of gold will change - which it has on several occasions. WARRING: Rant about ""Intrinsic Value"" of gold below. Gold has no ""intrinsic"" value. None whatsoever.  ""Intrinsic value"" makes just as much sense as a ""cat dog"" animal. ""Dog"" and ""cat"" are referring to two mutually exclusive animals, therefore a ""cat dog"" is a nonsensical term. Intrinsic Value: ""The actual value of a company or an asset based on an underlying perception of its true value ..."" Intrinsic value is perceived, which means it is worth whatever you, or a group of people, think it is. Intrinsic value has nothing, I repeat, absolutely nothing, to do with reality.  The most obvious example of this is the purchase of a copy-right. You are assigning an intrinsic value to a copy-right by purchasing it. However, when you purchase a copy-right you are not buying ink on a page, you are purchasing an idea. Someone's imaginings that, for all intensive purposes, doesn't even exist in reality! By definition, things that do not exist do not have ""intrinsic"" properties - because things that don't exist, don't have any natural properties at all. ""Intrinsic"" according to Websters Dictionary:  ""Belonging to the essential nature or constitution of a thing ... (the intrinsic brightness of a star)."" An intrinsic property of an object is something we know that exists because it is a natural property of that object. Suns emit light, we know this because we can measure the light coming from it. It is not subjective. ""Intrinsic Value"" by definition is the OPPOSITE of ""Intrinsic"""


Can you even answer a simple question? Economics is not game unless you're thinking playing with people lives is a game? Government saving is giving away money? What? Do you even know what saving means?   Also it's not because I don't agree with you that I don't have an open mind. I go with the facts and the facts suggest you're on another planet. Going against the status quo isn't a sign of an open mind.


So does that mean a total of 20,000 people applied (22 applicants per job) or 17.5 million applied? (20,000 applicants per job). Does each application represent a unique person, or a unique person's application for a particular role? (that would mean less than 22 applicants per job).  I think it should be clear from this that the language used in the article is intentionally unclear, 22 applicants per job seems perfectly reasonable for a large, perceived stable career path. Certainly in non-fucked industries like IT.


That's not why they crashed. They crashed because the only reason people were buying them is because they would go up in value and then they could sell them for profit later. Sounds exactly like Bitcoin in my opinion. The only difference is Bitcoin is useful in the sense that criminals can use it and not get in trouble.   How many people do you know using Bitcoin as a currency? They aren't, they are only buying it to sell it for a profit later. That isn't sustainable. It isn't backed by a government or military and it is too volatile to actually use as a currency. When it crashes and criminals are the only ones using it, then what is it worth? Maybe $100 a coin? $10? Who knows, it sure as hell isn't $5,000 a coin though.


"There are benefits associated with a cash only business (the link states a few). However checks made out to ""cash"" don't reap those benefits listed. For anyone on SE to say your barber hides revenue from the IRS would just be speculation.  With that said there are a great number of disadvantages for a cash only business. And from my experience, a business that goes out of their way to take cash only can be a little suspicious. Luckily you are not committing any crimes or fraud by paying her cash."


"@pyb is right - you should put an hourly dollar value on your time.  Calculate a realistic number and keep it in the back of your mind. Then when you're looking for a discount or a saving, estimate the maximum amount that you'd be able to save.  This should be a realistic proportion of the value of the item.  From those figures you can get the maximum amount of time that you should spend on looking for that discount. Spend any more than that amount of time and you lose money even if you get the discount.  So then you can end up with a few rules-of-thumb like ""don't spend more than x minutes of time per dollar of possible savings"".  Then you can spend the spare time you've created on looking for savings on big-ticket items where the time is more efficiently used... or on studying to upgrade your earning potential... or on taking some time out to enjoy the world and sniff the flowers. :)"


I'm personally not sold on Facebook.  It collects vast amounts of data, sure, but to what purpose? I am probably missing something. I presume they intend to monetize this data for marketing activities, but is that really *that* valuable? Large budget marketing teams already have more data about their customers than they can effectively analyze.  Yet, they **still** miss with products. More data is not going to make up for the quality of personnel.


What is much more likely is immediate or close to immediate investment.  but this is exactly my point of contention with how they do things. I know for a fact that the money is immediately invested, which is why i find it wrong that interest for money collected in a given financial year is announced after the end of the next financial year.  i was wondering if this was a common practice in other countries.


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Depends entirely on the stock and your perception of it. Would you buy it at the current price? If so, keep it. Would you buy something else? If so, sell it and buy that.


The house next door to the one I grew up in just sold for $45k. Just because they build bigger houses doesn't mean that you have to buy one. I'm sure my parents could have bought a much bigger house.  Did you ever look into community college for core classes, I had many friends in college that go about 1/3 of their credits out of the way for about 1/4 the state college. College has always been expensive, it's nothing new. And a new car is a pretty idiot investment, a good education in an indemand field not so much. I was able to graduate debt free, but after a year of college was able to land jobs at more than 2x minimum wage. Remember, few unskilled people, mostly high school age are the ones earning minimum wage, [5.2%](http://www.bls.gov/cps/minwage2011.htm).


The way banks generally work is that the front line staff input the ltv, and various data, and are just given a price for the day/week/month. There might be a few bps of maneuverability, but there's not much negotiation to be had. The bank picks its price based on statistical analysis and market knowledge.


Start with Economics, macro and micro. You don't need to go deep enough to understand heavy math stuff like isoquants, but supply and demand curves and market theory in general is the foundation of business (at least capitalism). Plenty of online videos can provide overviews on this stuff.    From there, management theories and practices will get the most bang for your buck since it can be applied to every aspect of business.  Strategic Management tools like SWOT analysis or SMART criteria may not exactly be cutting edge management tools, but they provide a good overview of what is important to managers.  On the financial side of things, look into financial management, however I kind of feel like the main important takeaway for non-finance people to know is that a dollar today is worth more than a dollar tomorrow.  IMO, these are the core theory stuff for business majors. After that, the specialization is up to you. Marketing, finance, accounting, operations, decision sciences, etc.


"My wife and I have close to equal incomes, and are not young.  What we have is this: Some people would classify our system as a bit draconian as we each have ""allowance""; however, it makes sure spending does not get out of wack and we work together to meet our goals."


Sadly, I barely recognized 3 words in your first sentence.  My area of expertise is corporate finance/valuation/consulting not the public markets.   Directionally, I would generally agree with GreatOwl1's suggestion if you're looking to do something a little different that can leverage your existing skills.  The sort of work I do opens up different opportunities (geographical and otherwise), would probably result in a temporary pay decrease, and wouldn't at all use your current knowledge.


A share is just a part ownership of a company. If you buy a share of a green stock in the open market, you now just own  part of a green company. Just like if you buy a house, the money you paid moves to the former owner, but what you are getting is a clear asset in return that you now own. Via mutual funds/indexes this can get a little more complicated (voting rights etc tend to go to the mutual/indexing company rather than the holders of the fund), but is approximately the same thing: the fund buys assets on the open market, then holds them, buys more, or sells them on behalf of the fund investors.


"You might consider learning how the ""matching"" or ""pairing"" system in the market operates.  The actual exchange only happens when both a buyer and a seller overlap their respect quotes.   Sometimes orders ""go to market"" for a particular volume.  Eg get me 10,000 Microsoft shares now.  which means that the price starts at the current lowest seller, and works up the price list until the volume is met.  Like all market it trades, it has it's advantages, and it's dangers.  If you are confident Microsoft is going to bull, you want those shares now, confident you'll recoup the cost.  Where if you put in a priced order, you might get only none or some shares. Same as when you sell.  If you see the price (which is the price of the last completed ""successful"" trade.  and think ""I'm going to sell 1000 shares"". then you give the order to the market (or broker), and then the same as what happened as before.  the highest bidder gets as much as they asked for, if there's still shares left over, they go to the next bidder, and so on down the price... and the last completed ""successful"" trade is when your last sale is made at the lowest price of your batch. If you're selling, and selling 100,000 shares. And the highest bidder wants 1,000,000 shares you'll only see the price drop to that guys bid.  Why will it drop (off the quoted price?).  Because the quoted price is the LAST sale, clearly if there's someone still with an open bid on the market...then either he wants more shares than were available (the price stays same), or his bid wasn't as high as the last bid (so when you sale goes through, it will be at the price he's offering).   Which is why being able to see the price queues is important on large traders. It is also why it can be important put stops and limits on your trades, een through you can still get gapped if you're unlucky.  However putting prices (""Open Orders"" vs ""(at)Market Orders"") can mean that you're sitting there waiting for a bounce/spike while the action is all going on without you). safer but not as much gain (maybe ;) ) that's the excitement of the market, for every option there's advantages...and risks... (eg missing out) There are also issues with stock movement, shadowing, and stop hunting, which can influence the price. But the stuff in the long paragraphs is the technical reasons."


"That's $60k/yr in loan payments NOT counting interest.  Well over half of your take home income even at that salary level.  You'd end up with like a $50k or less net despite making $175k.  Is it possible?  Sure.  Is it *expected*?  No.  And are you the judge of what's ""Responsible""?  Fuck no."


Indeed you are correct sir. But my response would be: does the customer/regulator not also have a model? And can a financial company exist without these two stakeholders explicit endorsement? Models always have assumptions: the key is figuring out what they are and why they should or shouldn't be made. I would argue that any investor sophisticated enough to be stooging around with leveraged ETFs, CDS index tranches, or illiquid long dated interest rate swaps better have a damn good reason to buy 'em...and if their model breaks is that the fault of the bank or the customer?


"I will add another point to ChrisinEdmonton's answer... I recognize that this is perhaps appropriate as a comment--or maybe 1/2 of an answer, but the comment formatting is inadequate for what I want to say.  The magic formula that you need to understand is this:  (Capital Invested) * (Rate of Return) = (Income per Period) When ChrisinEdmonton says that you need $300,000, he is doing some basic algebra... (Capital Required) = (Income per Period) / (Rate of Return)  So if you're looking at $12,000 per year in passive income as a goal, and you can find a ""safe"" 4% yield, then what ChrisinEdmonton did is:  $12,000 / 0.04 = $300,000 You can use this to play around with different rates of return and see what investment options you can find to purchase. Investment categories like REITs will risk your principal a little more, but have some of the highest dividend yields of around 8%--12%. You would need $100,000--$150,000 at those yields.  Some of the safest approaches would be bonds or industrial stocks that pay dividends. Bonds exist around 3%--4%, and industrial dividend stocks (think GE or UTX or Coca Cola) tend to pay more like 2%-3%.  The key point I'm trying to make is that if you're looking for this type of passive income, I recommend that you don't plan on the income coming from gains to the investment... This was something that ChrisinEdmonton wasn't entirely clear about. It can be complicated and expensive to whittle away at a portfolio and spend it along the way."


Option 1: You can write to  uanepf@epfindia.gov.in giving the details of both the UAN's. This will be able to merge both these under the current EPF. Option 2: You can request a transfer of EPF from old EPF [under different UAN] to the current EPF. This can be done by submitting the required form. Your company should be able to assist you with the paperwork. Alternatively if you are registered online with EPFO India, you can submit the request online. Once submitted, the system will identify that a duplicate UAN has been issued and automatically merge the accounts.


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Accidents and tickets more than 3 years old generally won't affect you.   I use an insurance broker who shops a bunch of different companies and buys me the best policy. (He gets a cut as a middle-man, but saves me more than going direct and gives great advice when I have a question.)   Since you haven't been only your own policy lately, it will cost you more than someone with a 3 year history with a perfect record, but if you shop around, you will find something at a fair price.   Also, your credit score often factors into the price you pay for car insurance also.


It's a matter of opinion. As a general rule, my advice is to take charge of your own investments. Sending money to someone else to have them invest it, though it is a common practice, seems unwise to me. This particular fund seems especially risky to me, because there is no known portfolio. Normally, real estate investment trusts (REITs) have a specific portfolio of known properties, or at least a property strategy that you know going in. Simply handing money over to someone else with no known properties, or specific strategy is buying a pig in a poke.


There are fees on retail trades imposed by trading houses, but not on traders like MS and GS. That's why HFT is possible. Personally, I get 100 free trades per year and that's more than enough for me. Adding a tax to this is just stupid.


As someone who's currently shopping for some winter wheels and has the raised blood pressure to go with that, I've got a few suggestions as to what would make me pick up the phone and call your or email you if you're advertising a vehicle. Keep in mind that if you're willing to deal with the additional hassle, you'll normally get the most money for a used car if you sell it privately. If it is worth the additional effort though is both a matter of judgement and if you're willing to put up with strange people like me :). Depending on the value of the vehicle and its rarity/desirability, you're looking at newspaper ads (probably won't get you much of a response these days), craigslist, Autotrader and similar, and last but not least, ebay. If you're trying to sell something that's easy to find because there are five at every street corner (think beige minivan), skip ebay. If it's worth below 5k-6k, I wouldn't bother with places where you have to pay to advertise, which leaves CL for the cheap stuff - that said, I'd still stick it on CL if it's advertised in other places. Heck, it's free after all. The figure out what sort of money you're asking for. Check the resources like KBB.com and have a look at your local CL for similar vehicles. Out here, certain types of vehicles (for example, Jeeps) sell quickly and often above even KBB.com. A little market research will help you come up with a good price. Just don't do things like asking a massively inflated price for a vehicle because you paid $x five years ago. All this shows that you have no idea what your vehicle is worth. Oh, and I'd always work out what the minimum I'd take is - leave yourself some haggle room but don't undersell the vehicle. Once you know where you advertise and for how much, pull together the basic facts for your vehicles and the points that would make it stand out. Basic facts about the car should include engine size, type of transmission, if it's AWD (where applicable), mileage. Color I can see on the pictures, but it's nice to include that, too. If you have service records, recently replaced a big ticket item (think transmission or similar) or had a very recent service, especially a big one where you had a timing belt and waterpump changed, mention it. Don't say the vehicle has a new engine if that was put in 100k miles ago, that's nice to mention but it's not new. If nobody's ever smoked in it, mention it. If it's got other outstanding features (super low mileage, summer only use etc) make sure to mention it that, too. Next, if it's got any faults that you know of - especially obvious ones - disclose them. People like me will most likely find the leaking shock absorber and the rust holes in the floor anyway, and it makes a much better impression if you do tell us about them beforehand. Trying to tell someone that your banana-shaped car that looks like the Blue Man Group used it for practise is actually pristine and accident-free isn't going to go down very well. Next, pull together the paperwork - make sure you've got the title (if there is a lien on the title, check with the lienholder before advertising the car so you know their procedure for releasing the title), any maintenance records you have, manuals, receipts etc. If the vehicle has a salvage title, try to find out why and mention it in the ad. I've just had a comedian phone me while I was driving to see his vehicle and leave a message that he didn't have a title and didn't seem to be willing to bother to get one, either. Obviously that put me in the right frame of mind, given that it was a 200 mile round trip. So don't do it - if you can't get a title, the schmuck you sold it to will have even less of a chance of getting one. And given that you are in California, a lot of people (including myself) react really badly to three years' worth of back registration, missing smog, expired registrations on something I'd expect to test drive etc. Essentially anything that would stop a potential cash buyer to drive it away on the spot. Next, clean the car - you know, the five years' of accumulated McD wrappers and inch thick layer of dirt (I'm only partially kidding, I've seem some pretty horrible stuff recently). Spend the two hours it takes to clean it or pay to have it valeted or detailed. Clean, shiny cars sell a lot better than a rolling recycling container. Oh, and last - make the effort take some decent photos. The more the merrier, shot in daylight (no photographing a black car after sunset) and if there is any damage, an additional photo or two showing the damage would be nice. Stick the on photobucket or similar and put the links in your craigslist ad so you don't restrict yourself to the microscopic photos that you normally get on there. As to payment, I'd either take cash, meet the buyer at his bank where he draws out a cashiers check in front of your eyes, or, well, cash. No Kauri shells, deeds on bridges in Brooklyn or anything else. Be prepared to take a deposit - a lot of buyers aren't willing to wander around with ten large ones in the back pocket to go look at a car - and spell out exactly how long the deposit is good for. I also tend to make them non-refundable (buyer doesn't pick up the car within the negotiated timeframe, you keep the deposit as 'damages' for not being able to sell it to another cash buyer). Check your DMV's website as to what exactly you need to do once you sold the car. Here in Nevada it's the buyer's problem on how to move it as you keep the plates, but I know in California the regular plates (not personal ones IIRC) stay with the vehicle and I think you need to inform the DMV that you sold the vehicle. I'd also keep a record of who I sold a vehicle to (name, address from his drivers license, license number etc) just in case they run a few red lights and accumulate a few grands' worth of parking tickets.


I know nice and free stock screener for UK (and 20+ exchanges) - https://unicornbay.com/screener?f=exchange_str|%3D|LSE;&s=MarketCapitalization|desc&p=1|20 from Unicorn Bay. It supports both fundamental and technical analysis.


You are comparing apples and oranges: the charts show the capital appreciation excluding dividends. If you include dividends and calculate a total return over that period you see VSMAX up 132% vs. FSEVX up 129%, i.e. quite close. That residual difference is possibly due to a performance difference between the two benchmarks.


I thought Microsoft overpaid, it could have gone either way. Microsoft wanted in the mobile market (who wouldn't) in a big way and this was the easiest way to get into it hardware wise.  They had already developed an operating system (Windows phone) which I though was great but it never really gained traction.  So, I'm not too sure Nadella should be bragging about this. If it had gone the other way I bet he'd be trying to hide.


Thanks! I mean, I migghhht could work the days I am in town for school, and maybe one or two days on the weekend. However, they have me 5 days in a row and coming in so early and staying so late I barely have time to half-a** my assignments. Not working would really be best for me, though, since they have completely ignored my signed-off on schedule changes and are angry whenever they have to fix em.


The US requires its (tax) residents to report foreign accounts if the balances (on all the accounts together) are $10K or more at any given day during the year. This is done through the FBAR system. In addition, you obviously need to report this income on your US tax return and pay taxes. If the balances on your foreign accounts exceed specific threshold, your tax return should also include form 8938. If you report everything and pay the taxes due - you can keep the money wherever you want and transfer it between your accounts as you may see fit. If you don't - the US government may come after you with huge penalties, and the Dubai bank may freeze your account. Its easy to become US tax resident. Stay in the US for more than half a year in a row - and here you are. Subject to the US taxation. Even if you're not a US citizen or green card holder, or at all illegal. Some immigration statuses may grant you an exemption, but none that allows you working for your Dubai employer, so I'm assuming you're a US tax resident.


The iPad screen is big enough that it an comfortably fit the page, IMO. Also I acquire them through less than legal means, so i'm saving money there, too. Searching within textbooks is the BEST part about it, though!  A good friend of mine told me the same thing you said a year ago when we had this discussion. He moved twice in the spam of a year and had to lug two boxes of books around, which sucked, he ended up downloading Kindle on his iPad, his laptop, and buying his girlfriend a Kindle, he says it made their life much easier as far as their last move is concerned but especially with finding books.


"SAR filers can check a box to indicate that SSN is ""Unknown"". It's unlikely that you could get over $10K in chips without first disclosing your SSN, as casinos track your cash out totals based on physical description (hair color, clothing, etc). As you approach $10K they will require ID and SSN, which they verify for accuracy against a federal database via name and DOB matching. More here: https://en.wikipedia.org/wiki/Know_your_customer"


Yes.  Basically, I see it as a huge giveaway to corporate interests when we have to do things like step in and pay for food for their workers (e.g. SNAP), enabling a business to keep their own wages low.  It's basically a wealth transfer to shareholders.  A full-time worker should be able to cover their nutritional needs from their salary.


> The CEO is having the stores sell their property, at a discount, to one of his other companies, then having the stores pay rent. > Except boutique stores actually pay more money than Sears does. So whenever a store closes, his other company can rent the space out for almost double.  And therein lies the way forward for Sears.  The retail side of things is going to inevitably go bust, and Seritage will be the way forward.  Sort of like how Woolworth's became Foot Locker.


I spent a year at the Democratic National Convention as an intern. It sucked in more ways than one.  I come from nothing, putting myself through school, management at my coffeeshop and I am still in school. Everyone else was there only because they knew someone in politics and no matter that I should up everyday with a positive attitude, a willingness to work, and going above and beyond. I was interviewed for the position of human resources coordinator and instead it went to the best friend's daughter of the HR director. So yeah. I feel ya. Oh, one last thing. It was all unpaid.   Just stick with it man, you wont always be in a job you like.


"The ""risk"", other than losing principal (especially when rates go up) is capital gains. As with any mutual fund, this one might need to sell assets for cashflow. In which case the taxes on the sales are shifted to the investors. So you may end up with the fund losing value due to price fluctuations, yet you'll have capital gains (probably with a significant short term part since the maturity periods are relatively short) to pay taxes on. To what extent that may happen depends on the fund's cashflow (influx of money vs. withdrawals). Capital gains reduce your basis (since no money is actually distributed), but if you hold the fund for more than a year - you lose the difference between the short term and the long term tax for the short term portion of the gains."


"I think something telling about this article is how infatuated people seem to be with the 1%. The 1% are exactly that...ONE...FUCKING..PERCENT. Shouldn't we be happy that the top 1% are earning significantly more than $100,000.  The argument of whether or not $100,000 is a ""good"" salary is a far different argument. As many have brought up already, location is a large factor in how far your money will go as well as other factors, but that's not my point.  ""But as income inequality in the US continues to worsen, a $100,000 salary creeps ever-closer to being an upper-middle-class income, not a sure sign of wealth.""  The article seems to subtly suggest one should be unsatisfied that they are not part of or close to being included in the 1% or seen as wealthy."


eh on second thought Suppose I earned $1 Billion per year.  then 10,000*365 = 3,650,000 and  3,650,000 / 1,000,000,000 = 0.35% of my yearly income in terms of percentage costs.  If someone makes $20,000 per year and spends $500 a month on rent then   500*12 = 6,000   6,000/20,000 =  30% of ones yearly income in terms percentage costs.... sooooo yeaaaah Is swap that rent percentage any day of the week. At 20,000 a year a rental rate of .35% comes out to a monthly rent of $5.84.  I'll take the Billionaire yacht mansion.  [edit in response to the above edited comment]:  You're right I'm a billionaire i don't got time for maintenance. I'm just gonna buy a new one every year AND Im gonna assume that operating costs are $40,000,000 per year on top of buying a new $40,000,000 each year which comes out to $80,000,000:   80,000,000/1,000,000,000 = 8%   STILL GONNA TAKE THE BILLIONAIRE YAGHT OVER THE NORMAL RENT  To be clear 30% of 1 Billion is 3 Hundred Million: which means as a billionaire I could buy **25** $40 Million yachts.    [Moar Edit]: Ok like Since Ive got a super Yacht for just 8% of a billion this extra $920 Million Is burning a hole in my pocket.  I'm gonna buy 40 $2 million homes (one for each top  city) which leaves me with only $840 Million.  I gonna buuuuy A Hillary Clinton Level politician ($200 Million or so). So got $640 Million left...


Without knowing actual numbers it's tough to say.  Personally, I would pay off the car then, going forward, use the money that would have been paid on your car note toward your mortgage.  I always think of things in the worst possible scenario.  It's easier, and faster, to repossess a car than to foreclose on real estate.  Also, in an emergency situation, depleting your fund for your car loan and your mortgage would be significantly more detrimental than only paying a mortgage with a car owned outright.  Fewer obligations means fewer things to draw down your funds in an emergency. Whether the tax deductability of the mortgage interest outweighs the lower rate on your car loan will depend on a lot of factors that haven't been shared.  I think it's safe to assume with only 1% of separation the real difference isn't significant.  I think when determining which credit cards to pay off, choosing the one with the highest rate is smart.  But that's not the situation you're in. If you don't have foreclosure concerns I'd still pay off the car then start investing.


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If you too want to avoid losing your money again in the stock loss recovery scams that have been going on then there are a few tips to keep in mind. Be diligent about researching the company thoroughly online, know about its owners, teams and what others have said about it. This can help you be safe from fraudulent firms.


It's not your money.    According to one article, the interest on the money could be negotiated in some cases to be yours, but I wouldn't plan on it. From MSN: According to a complaint filed by the   state of Minnesota, the 37-year-old   social worker received a $2.6 million   payment from the state Department of   Human Services that had been intended   for a local hospital. Instead of   immediately reporting the mistake, the   woman and a friend opened investment   accounts, bought jewelry, purchased   four vehicles including two Land   Rovers and spent $3,817 at Best Buy.   Six weeks after getting the money, she   called the Human Services Department   to ask why the check had been sent to   her, according to the complaint. When   informed the payment was an error and   the money had to be returned, the   woman reportedly told the department   to talk to her attorney and refused to   respond to follow-up calls.  As the   prosecutor said to a St. Paul Pioneer   Press reporter, there's a big   difference between keeping money when   you can't reasonably be expected to   determine the true owner -- like that   $20 bill on the street -- and keeping   money when you can. The state had the   pair's accounts frozen and is   prosecuting for theft as well as civil   charges, though the woman returned the   unspent money and the property she   bought. More from MSN Money A   better approach to an unexplained   windfall is to keep the money in a   separate account while you track down   the source. Who gets to keep the   interest earned will be one of those   things you work out with the rightful   owner's attorneys. Bankrate has a similar story posted as well.


">> No, [the TPP was declared politically dead before President Trump was elected](https://www.washingtonpost.com/news/powerpost/wp/2016/09/29/mcconnell-the-trans-pacific-partnership-is-dead-until-a-president-revives-it/?utm_term=.73c9a7fbea04).  > Yeh, sure! Hillary was so against TPP, like Obama was.  > So the answer is ""Yes!"" here.  Why are you bringing in Hillary or Obama?  My argument was that Mitch McConnell and congress killed it.  How can I have a discussion with you or take President Trump seriously when both of you seem to think you can point to Hillary or Obama and you are magically proven right?"


>Actually, Education is where there's no need for humans: videos and recorded lectures, AI teaching at your own level and pace are much better than a class of 30...  Yes this is one advantange of automation yet I only see it as a complement to the education system. If there's one thing automation cannot provide it would be the same interactive environment provided by the classroom which allows students to learn from each other and _request a different explanation in real-time for clarification_.   Videos and recorded lectures tend to be monotonous. One way communication is stifling and overwhelming which kills the learning environment. This is one of many reasons why online courses aren't taken seriously, at least in this part of the world. The presence of the facilitator imparts certain values in the student. The role of the facilitator is just as crucial as the knowledge they impart.   I have never heard of AI Teaching maybe it will disrupt Education in the future but for now we are stuck with our vanilla Education system.


Depending on what currency the price is quoted in and is originally sold, currency fluctuation can also carry over onto the price in your currency. An example for that would be bitcoin prices which sometimes show heavy ups and downs in one currency, but seem totally stable in another and can be tracked back to changed exchange rates between currencies. Also like others have said, prices on stocks are not actually fixed. You can offer to buy or sell at any price. Only if 2 people want to buy or sell for the same price there will actually be a transaction.


"Someone told me that the main protagonist in Michael Lewis's, ""The Big Short,"" Dr. Michael Burry is shorting the student loan bubble.  I don't know if the investment banks have already set up student loan traunches  and if he's got CDSs on those, or if he's just shorted the Apollo companies, Strayers, etc."


"Yes and no. First off, commodity prices reflect the cost of a good about 3 steps back in the retail supply chain; the agreed-upon price for the raw foodstuff between farmers/ranchers and manufacturers. Your grocer may carry bags of whole grain wheat, but that's certainly not all he carries that contains it. Same for corn, rice and other staple grains, as well as for fruits and vegetables, herbs (yes, you can buy basil by the ton on the CME), meats, various sugars, etc. So, a long-term sustained change in prices of a commodity foodstuff will eventually affect the real cost to you to buy things they're made from. However, in the short term, the retail supply chain will generally act as a buffer between these prices and the ones you see on the store shelf. Consumers don't like price increases, especially of necessities like food. When food costs go up, consumers can and will very quickly change their spending habits, buying cheaper options to get their needed calories. That makes manufacturers nervous; consumers not buying their product is a worse scenario than consumers buying their product at a reduced gain or even at a loss. So, manufacturers, and suppliers and retailers, will all absorb as much as they can of the cost of a commodities increase before beginning to pass it on to consumers. On the flip side, while consumers like price drops, they don't notice them as much as price increases. So, the supply chain will also absorb a fall in commodity prices by resisting price reductions in the consumer goods, as long as they can get away with it (which is usually longer than the price reduction actually lasts). The net effect is that processed food prices typically follow the gentle upward climb of long-term inflation, and only rarely do you see drastic price increases or decreases. Where this model breaks down a little bit is in highly perishable foodstuffs, especially seasonal or ""wild-managed"" foods; fruits and vegetables, seafood, etc. The limited time in which the stuff can be sold makes the process of getting a fish out of the ocean and a fruit off the tree and into your grocery store much more market-driven; the producers, suppliers and grocers are all in constant contact over what's available and how much they can get for what price. The prices therefore are typically a lower markup (unlike highly processed grain-based foods, there's not much added value to be marked up between the apple farmer picking the fruit and the grocer putting it on display), but also much more volatile; if there's a bumper crop of fruit, the farmer has to unload it all or it goes to waste, while similarly if an early freeze decimated the apple crop, the suppliers can't just get some of last year's bumper crop out of storage; they fight with everyone else for what little made it to market. Farmers will sometimes intentionally let excess crop spoil in order to maintain a minimum price for what they sell (the rest can at least be composted and used for fertilizer, saving them some money on maintenance), but there's no silver bullet for a shortage. This is why a lot of these foods, especially seafood, are considered luxury items; they're not stable enough for everyone to get as much as they want whenever they want, unlike staple grains."


I started my career over 10 years ago and I work in the financial sector. As a young person from a working class family with no rich uncles, I would prioritize my investments like this: It seems to be pretty popular on here to recommend trading individual stocks, granted you've read a book on it. I would thoroughly recommend against this, for a number of reasons. Odds are you will underestimate the risks you're taking, waste time at your job, stress yourself out, and fail to beat a passive index fund. It's seriously not worth it. Some additional out-of-the box ideas for building wealth: Self-serving bias is pervasive in the financial world so be careful about what others tell you about what they know (including me). Good luck.


Vehicles (plural, because I'd be filling multiple roles, and also because I'd really prefer to have spare parts). Self-sufficient farm with machine shop, heavy-duty fabric production/sewing capacity. Hunting/camping gear. That kind of thing.  I have about $600 in student loan debt remaining, which should be gone in the next year. No car loan (own my truck outright), don't own a house, carry 0 balance on my credit card. I suspect I'm a bit older than you (28) and I'm finding increasingly that I'm feeling financially strained by both current needs and projected needs. Moreso future than current, as a matter of fact, though I am unemployed right now. No matter how I look at it, barring some exceptional luck, there's no good way to obtain what I feel is needed to ensure that I can retire in safety. The current system basically forces you to take on nigh-crippling debt and hope like hell you can remain employed almost constantly through the most productive years of your life so that you may retire with some degree of security.  75K would make me feel a lot closer, but it only really deals with the immediate concerns and gives me room to hope to rectify the future ones in the next decade. If it were a completely foolproof 75K with no chance of vanishing, it'd go a lot further -- but still wouldn't alleviate my worries entirely.


Check out /r/personalfinance for more detailed advice. Not sure your question.  Yes, cancelling it will cause it to disappear from your credit report.  Apply for your own card right now (a free rewards one ideally) if your credit it good enough and you have a job.  Never pay interest and keep that card and your credit will naturally head to 720+ with no negative marks over time.


like I said to the others do a remind me. I am not trying to hate on you or your views but facebook is not the future not even close they won;t survive because the vision of facebook is heavily flawed.  Also GoPro being worth HALF what is with in 5 years only shows your lack of research into the company and to what I said. I also said that the money I made was essentially a drop in the bucket of what I wanted to invest but I held back heavily because of the type of companies they are and what the stocks show. The fact I made what I did on what little i put in is, well awesome. No I am not a billionaire but I am rather good at picking short and middle to long term well and have done well with it. My only fault is I don't trust my own judgement enough. I am sorry you think Snap Chat is a bad long term investment because in 5 years it will be over 100 a share. I don't expect you to take or trust the advice from a random person online but you talk like you actually know which you don't and that is ok. I just gave my opinion which I have zero doubt will pan out but that is the beauty of it!


I can't speak for other companies, but we certainly hired people without experience in those products (I was one of them).  And I certainly didn't get any experience in any finance/accounting class in undergrad.   There's probably a whole spectrum of things you could do from just youtubing intro videos to get taking a weekend classes and getting certified.  Sounds like from your coding experience you'll have a good leg up.  But sorry I can't be more helpful


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I agree with you. I'm a millennial. I'm not some old dude sitting in a chair writing on Reddit without first hand knowledge. I took out six figures of college debt, but spent a long time calculating my expected ROI.  Years after working I lived in relative poverty to pay of my loans and finally have done so.   I totally believe in many forms of loan forgiveness, but a blanket forgiveness I cannot support.


"Maybe in your echo chamber of idiocy.  Here in reality, we can [actually look at the historical results of these ""fake polls""](https://projects.fivethirtyeight.com/2016-election-forecast/national-polls/). 47-43. 38-36. 42-39. 45-41. 47-43. And the list goes on. All these polls show a slight but consistent edge for Clinton just on the edge of a typical margin of error."


"> That's like a palm reader predicting that someone is going to die.Well no shit, I'm sure someone is, somewhere, at some point.   So are you saying it's obvious to everyone muni's are on their death bed, and its not about ""will"" they die, but ""when?""   Or are you saying that a total return of 30% over 4 years is bad?  Because if you're not saying either of those things then I'm not sure what you disagree with."


Actually, while unsubscribing from Hulu the other day, the process prompted a SWF object which chrome decided to direct download instead of stream thankfully. I also have seen several local affiliate news sites that still require flash to view their content. It's still out there, just not as ubiquitous.


I dont understand pushback from companies regarding wage hikes.  Where are these customers going to spend their money? Companies  Where are employees going to spend extra money they recieve with wage hike? Companies  Whose products become suddenly more viable to a larger portion of consumers thanks to increases in income? Companies.  I understand short term profit incentives, but good god opening entire demographics to new purchasing power has never in the history of ever NOT made companies risiculous amounts of money. Look at every major economic development in the US history. Low wage workers get more time of and money? They buy more and consumer markets rise. Anything else is a small group of insiders penny pinching for their own pockets and not thinking beyond this month.


"This is the best tl;dr I could make, [original](https://www.recode.net/2017/7/14/15968746/artificial-intelligence-ai-federal-government-public-sector) reduced by 85%. (I'm a bot) ***** > Senator Maria Cantwell, D-Wash., just drafted forward-looking legislation that aims to establish a select committee of experts to advise agencies across the government on the economic impact of federal artificial intelligence.  > Other than a few economic impact and policy reports conducted by the Obama Administration - led by former U.S. Chief Data Scientist DJ Patil and other tech-minded government leaders - this is the first policy effort toward moving the U.S. public sector past acknowledging its significance, and toward fully embracing AI technology.  > AI meant for U.S. government use should be defined as a network of complementary technologies built with the ability to autonomously conduct, support or manage public sector activity across disciplines.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6n8qmp/artificial_intelligence_can_make_americas_public/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~166623 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*: **government**^#1 **technology**^#2 **sector**^#3 **U.S.**^#4 **people**^#5"


"> (NK and Iran with nuclear weapons, both say publicly ""death to America"").  Iran's nuclear facilities are under 24/7 inspections by the US and IAEA. The claim that Iran has a nuclear weapons program is US/Israeli propaganda -- pure and simple. Even all of our dozen-plus ""intelligence"" agencies state Iran has no nuclear weapons program.  North Korea likely has a half-dozen or so nukes.  But on the other hand, what would *you* do if the world's most aggressive, war-loving nation refuses to end the still-officially-ongoing Korean War?  North Korea has offered to end their nuclear weapons program, to re-join the Nuclear Non-Proliferation Treaty, and allow full UN inspections -- in exchange for the US ending the Korean War and giving non-aggression guarantees. We (the Bush administration) rejected that offer."


No because that $100k didnt just come from nowhere, it came from tax payers. Tax payer who wouldve used the money to buy other things or use differently. the govt redirecting it to the two hole diggers does not ADD to the economy, it takes away because the capital is forced down an unproductive avenue.


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"I understand what you're saying, but two things persuade me on the McD's case:  1) I've spilled coffee on myself before. I did not need skin grafts. That tells me they were doing something *very* wrong.   2) When bean counters do the math on stuff like this, they do factor injuries into it as a cost. IMHO that means when you do hurt someone, you pay. When the woman first went to McD's all she wanted was for them to cover her medical expenses and they said ""Fuck off. Sue us."" So she did.   They should've written her a check for her expenses plus $20k for pain and suffering, and gotten her to sign a gag order. Problem solved, walk away. Not doing that was arrogance and stupidity all in the same package."


Stock acquired through a (non-taxable) stock dividend has the same holding period as the stock on which the dividend was paid.


The primary reason to put 20% down on your home is to avoid paying PMI (private mortgage insurance).  Anyone who buys a house with a down-payment of under 20% is required to pay for this insurance (which protects the lender in case you default on your loan). PMI is what enables people to buy homes with as little as 3-5% down. I would recommend against paying more than 20%, because having liquidity for emergency funds, or other investments will give you the sort of flexibility that's good to have when the economy isn't so great.  Depending on whether the house you purchase is move-in ready or a fixer-upper, having funds set aside for repairs is a good idea as well.


"Some companies have a steady, reliable, stream of earnings. In that case, a low P/E ratio is likely to indicate a good stock. Other companies have a ""feast or famine"" pattern, great earnings one year, no earnings or losses the following year. In that case, it is misleading to use a P/E ratio for a good year, when earnings are high and the ratio is low. Instead, you have to figure out what the company's AVERAGE earnings may be for some years, and assign a P/E ratio to that."


"This company was a reputable rating agency for many years. See Weiss Research website, ratings section for a very different perspective on Martin Weiss's work than the websites with which he is now associated. I checked both links provided, and agree with the questioner in every way: These appear to be highly questionable investment research websites. I use such strong terms based on the fact that the website actually uses the distasteful pop-up ploy,  ""Are you SURE you want to leave this site?"" Clearly, something changed between what Weiss Ratings was in the past (per company history since 1971) and what Martin Weiss is doing now. Larry Edelson seems to have been associated exclusively with questionable websites and high pressure investment advice since 2007. From 1996 through the present, he worked as either an employee or contractor of Weiss Research. Let's answer each of your questions.  On June 22, 2006, the Commission instituted settled administrative   proceedings against Weiss Research, Inc., Martin Weiss, and Lawrence   Edelson (collectively, “Respondents”) for violations of the Investment   Advisers Act of 1940 in connection with their operation of an   unregistered investment adviser and the production and distribution of   materially false and misleading marketing materials. Full details about Weiss Ratings operations, including its history from 1996 through 2001, when it operated in compliance with securities laws, then from 2001 through 2005, which was when the SEC filed charges for regulatory violations, are available from the June 2006 U.S. SEC court documents PDF. Finally, this quantitative assessment, ""Safe With Martin Weiss? (December 2010) by CXO Advisory (providers of ""objective research and reviews to aid investing decisions"") for its readers concluded the following: In summary, the performance of Martin Weiss’ premium services in   aggregate over the past year is unimpressive. The study methodology was good, but I recommend reading the article (I posted the URL) to fully understand what caveats and assumptions were done to reach that conclusion."


I can't speak for all brokerages but the one I use requires cash accounts to have cash available to purchase the stock in this situation. With the cash available you would be able to purchase the stock if the option was exercised.  Hope this helps


"Are you on Twitter? If so, the first thing I'd do is tweet this question to @Orbitz and/or @AmericanAir (AA). I'll edit it to be a bit nicer english-wise.  Tweeting (or Facebooking or Instgramming or ...) is one of the most effective ways to get customer service in 'edge' cases.  Explain your case in a nice, tight narrative that has the pertinent facts, why you should get an exception.  Social media tends to get results that you can't get just talking on the phone; in part because you're effectively talking with a higher-up person, and because you can make your case a bit more clearly. You can actually tweet this StackExchange question directly, or word it yourself in a tweet/FB post/etc.  On Twitter i'd link to here or somewhere else (too short), with something like ""@Orbitz @AmericanAir, you changed our trip and now it doesn't work with our special needs child.  Any way you can help us out? [link to this q or a blog post somewhere]"".   As far as a merchant dispute; it would realistically depend on the agreement you signed with Orbitz when you bought the tickets.  Likely it includes some flexibility for them to change your plans if the airline cancels the flight.  If it does, and they followed all of their policies correctly, then technically you shouldn't dispute the charge. It is possible that Chase might have some recourse on your behalf, though I don't think this qualifies for Trip Cancellation Insurance (Which you have through your Sapphire card ).  It might be worth calling them, just to see.  In the future, I would recommend booking through their site - not only do you get 25% bonus rewards when you use miles through there, which often is enough to offset the advantages of discount travel sites, but they're quite good at helping deal with these sorts of problems (as Sapphire is one of their top cards)."


I've read some great posts on here and either small business or entrepreneur subs re bars and I've heard the complaints from friends of friends. Apparently theft/wastage is rampant so good cash and alcohol controls are crucial. Even if you don't have outright cash theft, letting bartenders get away with free or big pours for bigger tips ultimately gets you the same result. Your manager should know how many pours he's getting from kegs and bottles. If that adds up (it won't) then it could be a lack of business and you need some marketing. But apparently tracking your pours is the key. There are plenty of books and trade publications out there, so if you don't have a bar background, I'd suggest doing some reading or even talk to/hire someone to help you figure it out. It sounds like you have some systemic issues.


Yep, basically no loans for me for at least two years and new credit cards are at a higher interest rate then I'm comfortable with.  That's fine.  I have two cars that are fully paid for, just paid off one credit card last week and will have the other one paid off before the end of the year. And I have a savings account with a positive balance.  All of this happened by moving to a different house where my rent is $1,500 per month cheaper than I was paying on a house.


It is always better to have a franchisor by your side than striking out completely on your own. And a home based fitness franchise business is one of those very few industries that give their clients consistent benefits. If you can ensure this small investment from your part then taking a franchise for a home based fitness business is the right tool for you. And while making this smart decision think about Just You Fitness franchise: http://justyoufitness.com/franchise


The reason is that China has identified a problem, has found a solution, and has realized the solution is worth billions in the new energy markets. It can solve a problem while becoming a leader in the largest industry in the world.  Meanwhile the US has politicized science and is debating if there is a problem at all.


The price of a share has two components: Bid: The highest price that someone who wants to buy shares is willing to pay for them. Ask: The lowest price that someone who has a share is willing to sell it for. The ask is always higher than the bid, since if they were equal the buyer and seller would have a deal, make a transaction, and that repeats until they are not equal. For stock with high volume, there is usually a very small difference between the bid and ask, but a stock with lower volume could have a major difference. When you say that the share price is $100, that could mean different things. You could be talking about the price that the shares sold for in the most recent transaction (and that might not even be between the current bid and ask), or you could be talking about any of the bid, the ask, or some value in between them. If you have shares that you are interested in selling, then the bid is what you could immediately sell a share for. If you sell a share for $100, that means someone was willing to pay you $100 for it. If after buying it, they still want to buy more for $100 each, or someone else does, then the bid is still $100, and you haven't changed the price. If no one else is willing to pay more than $90 for a share, then the price would drop to $90 next time a transaction takes place and thats what you would be able to immediately sell the next share for.


. Stop it. You're the only one mischaracterizing. You tried to pin a $15 minimum wage on me when I vehemently disagreed with it.   The cost of college for me and my 2 brothers was over $500,000 because we all went to great schools that were 40-50K a year.  So I'll take my 18 years of public education (full of AP classes by the way), followed by my four in college, which got me an economics degree, and I'll keep laughing at you for failing so miserably at being condescending.    If letting business do whatever they wanted worked, trickle down economics wouldn't fail as regularly as it does. We didn't regulate the banks in the early thousands. We came close to a depression. We didn't regulate businesses in the progressive era, And we got disgusting meat processing plants and the triangle shirtwaist factory fire.   You understand no ones equalizing outcome. I just believe that if you work 9 hours a day 6 days a week you should have a decent standard of living.  I can be hysterical, but your wrong, you suck at being a dick and you just don't want to pay more taxes. There's not economic reasoning behind it. Kansas's governor had the same thinking as you. Deregulate. Let business do their thing. Cut taxes for th wealthy. Kansas's residences sat on that money and Kansas is in crisis right now because of it.   That's because more money into businesses doesn't mean they'll increase production especially if it doesn't increase efficiency, or did you not learn about that?  Every time we deregulate businesses run amok and then the government has to bail them out with tax payer money, only so they can turn around and lobby for eased regulations. Or does the result of the 08 Financial crisis not ring a bell?    You do understand most of your taxes go to subsidize billions of dollars for corporations like Walmart right? Where's your outrage?  And you're talking about looking at history?   Son, lmao. You're an idiot.


I don't think it makes sense to invest in an FD since. 1.) A 30 day FD is not very likely to give you 8-9% 2.) Inflation is so high in India that your losing money even though you think that you are doing well enough.  I would suggest you to expect a larger return and try hedging your portfolio correctly.  For example you can buy a stock which is likely to go higher, and to limit your risks, you can buy a put option on the same stock, so even if the price falls drastically, you can exercise your option and not lose anything except for the premium you paid. Good luck:)