Reading the plan documentation, yes, that is what it means.  Each purchase by bank debit, whether one-time or automatic, costs $2 plus $0.06 per share; so if you invested $50, you would get slightly less than $48 in stock as a result (depending on the per-share price). Schedule of Fees Purchases – A one-time $15.00 enrollment fee to establish a new     account for a non-shareholder will be deducted from the     purchase amount. – Dividend reinvestment: The Hershey Company pays the     transaction fee and per share* fee on your behalf. – Each optional cash purchase by one-time online bank     debit will entail a transaction fee of $2.00 plus $0.06 per     share* purchased. – Each optional cash purchase by check will entail a     transaction fee of $5.00 plus $0.06 per share* purchased. – If funds are automatically deducted from your checking or     savings account, the transaction fee is $2.00 plus $0.06     per share* purchased. Funds will be withdrawn on the     10th of each month, or the preceding business day if the     10th is not a business day. – Fees will be deducted from the purchase amount. – Returned check and rejected ACH debit fee is $35.00.


The announcement comes seven weeks after Walmart inked a similar deal with Google to offer hundreds of thousands of products through the service. Other big-box retailers like Home Depot are also on board.  Well I guess I have to choose who's side I'm on. and if Walmart is on Google's side then I chose Amazon.


This is where someone hand waves: innovation, competitive spirit, technology, hard work, and values -- code words for -- cut everything to the bone, replace with automation as much as possible, and/or acquire work-slaves, rinse-repeat until an exit strategy is found, bail out at optimal point and leave someone else to clean up the mess.


The PriceCheck app is capable of doing the search by taking a picture of the product or speaking the product name, which isn't an option on the Amazon App as far as I'm aware.  But it's funny that you mention that they are the same app, because amazon also has a Amazon Student app which does the **EXACT** same thing as the regular app. I just use it because it has a better interface IMO.


The standard customer is actually pretty satisified with BofA because he gets access to the large number of branches for free. But that money has to come from somewhere, that service isn't free. BofA gets it from those who are less responsible with their money. Alternatively, BofA can just charge everybody evenly across the board. Due to low interest rates, deposits are not very profitable, they cannot lower the interest on your savings account any more. Banks are actually losing money on most of their depositors because the stuff involved with maintaining an account costs money. That's why some banks are actively doing things to push some depositors away (some banks even charge you money to store money in the bank).  Logically, it makes sense for me to bank at a place where the profits are not squeezed from me. So as someone who doesn't get hit with fees, I'm happy with BofA. That might sound weird, but logic dictates that I go to where I get the best value.


"According to page 56 of the 2015 IRS Publication 550 on Investment Income and Expenses: Wash sales. Your holding period for substantially identical stock or securities you acquire in a wash sale includes the period you held the old stock or securities. It looks like the rule applies to stocks and other securities, including options. It seems like the key is ""substantially identical"". For your brokerage / trading platform to handle these periods correctly for reporting to IRS, it seems best to trade the same security instead of trying to use something substantially identical."


Ok so I used Excel solver for this but it's on the right track.  Latest price = $77.19  Latest div = $1.50  3-yr div growth = 28%  g = ???  rs = 14%  So we'll grow out the dividend 3 years @ 28%, and then capitalize them into perpetuity using a cap rate of [rs - g], and take the NPV using the rs of 14%. We can set it up and then solve g assuming an NPV of the current share price of $77.19.  So it should be:  NPV = $77.19 =   [$1.50 / (1+0.14)^0 ] +  [$1.50 x (1+0.28)^1 / (1+0.14)^1 ] +  ... +  [$1.50 x (1+0.28)^3 / (1+0.14)^3 ] +  [$1.50 x (1+0.28)^3 x (1+g) / (0.14-g) / (1+0.14)^4 ]  Which gives an implied g of a little under 9%. Let me know if this makes sense, and definitely check the work...


"Kek!  So no others companies are big enough to take advantage of that?  I don't see any other companies mentioned anywhere.  Hmmm.  It's like they are focusing specifically on Amazon, and don't want you to know about other companies who use this.  That's weird!  Sounds like they are trying to sell you on Amazon hate!  And you're buying it!  You aren't even questioning the missing information!  Now, I agree that Amazon is definitely getting an advantage here.  It may even be unfair, but this article doesn't even provide enough information to determine if the advantage is unfair from a competition perspective, other than being something that bigger companies can take more advantage of. (Wait, isn't ""buy in bulk"" something bigger companies can take advantage of, that smaller companies can't?  Oh no!  Why aren't we fighting that?)  Recognize the lack of information, and avoid the hypocrisy it can cause."


Your question doesn't make much sense. The exceptions are very specific and are listed on this site (IRS.GOV). I can't see how you can use any of the exceptions regularly while still continuing being employed and contributing. In any case, you pay income tax on any distribution that has not been taxed before (which would be a Roth account or a non-deductible IRA contribution). Including the employer's match. Here's the relevant portion: The following additional exceptions apply only to distributions from a   qualified retirement plan other than an IRA:


"who computes the S&P 500? Standard and Poor's. Why are they sharing this information and Because that's what they do. This is a financial research company. how do they recuperate the costs inherent in computing the S&P 500? By charging clients for other information. The computing of the index itself is not all that complicated, its coming up with the index that's a problem. Once they've come up with the formula, and it became widely accepted, the computation itself is not an issue. But the fact that its so popular leads to the S&P brand recognition, and people come and pay good money for their other services (ratings and financial analysis of securities). They do more work for free. For example, the ratings of various government debts are being done by S&P for free (governments don't pay for that), while private bonds are rated for a fee (corporations pay to have their bonds rated). Also, as noted by JBKing, there are probably some licensing fees for using the index name in the fund name (and other users are probably paying the licensing fee, like the news agencies and the exchanges). S&P500 is a registered trademark, and as such cannot be used without the owner's permission. Why is then ""active management"" not required for indexed funds Because no research and stock picking is required. In fact, these funds don't really require a manager, they can be managed by a simple script. and how does it lower taxes? (perhaps this could be a different   question if this has become too broad) Actively managed funds perform a lot more buy/sell operations, each leading to tax consequences to the fund (which rolls them over to the investors). Index funds only buy and sell to re-balance back to the index (or when the makeup of the index changes, usually once a year or half a year), leading to much lesser realized capital gains to the fund, thus much lesser tax consequences."


"You sold $10,000 worth of stock so that money is essentially yours.  However, you sold this stock without actually owning any which means that you, through your broker, are currently borrowing shares amounting to (at the time of your sale) $10,000 from someone who actually owns this stock. You will be paying this person interest for the privilege of borrowing their shares, the exact amount charged varies wildly and depends on factors such as short interest in the stock (loads of people want to go short = shareholders can charge high interest) etc. If I remember correctly hovering over the ""position"" column in your portfolio in the IB Workstation should give you information about the interest rate charged.  You will have to buy back these shares from the lender at some point which is why the $10k isn't just ""free money."" If the stock has gone up in price in the meantime you are going to be paying more than the $10k you got for the same amount of shares and vice versa."


"Yeah don't get me wrong, Fry's is great for their selection and their prices, but god forbid you need to get something from the back haha. I don't think they've spent a single cent for building upkeep at any location aside from ""keep water from leaking in"" since 1990, but if that means cheaper stuff for me, I guess I don't really care."


And hospitals can't repossess the pacemaker you got when you declare bankruptcy and get your medical debt cleared...  I understand what you're saying, but you can rationalize any debt as being unforgivable I you really want to and especially if you have a vested interest in it being unforgivable. I don't know that the origin of the debt or the object of the debt should matter.


Shareholders have voting rights, and directors have fiduciary obligations to shareholders. Sure, shareholders have rights to the dividends, but stock confers decisionmaking powers. I'm not really sure what your answer to this is, or how you are differentiating the concept of ownership from this.


"This is the best tl;dr I could make, [original](https://qz.com/1100886/bitcoin-in-africa-is-driven-by-mmm-mavrodi-ponzi-scheme/) reduced by 95%. (I'm a bot) ***** > The scheme associates itself closely with Bitcoin in its marketing materials, explaining that &quot;MMM and Bitcoin have similar ideologies: they strive to defeat the social inequalities, to free people from banks, and to make the world fairer.""  > After countries like South Africa and Nigeria attempted to shut them down in 2016, MMM paused their operations, only to return at the beginning of 2017 with a new marketing focus: Bitcoin.  > That&#039;s precisely what happened in 2016, when MMM abruptly shut down their first Bitcoin-based ponzi scheme.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/76di19/bitcoins_rise_in_african_markets_is_driven_by_an/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~228345 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*: **MMM**^#1 **Bitcoin**^#2 **world**^#3 **Cryptocurrency**^#4 **new**^#5"


"Wot.com or Web of Trust is a website where people add reviews/complaints of websites for things such as child safety, hate propaganda, fraudulent claims, phishing scams, etc.  Anyone can post a review, there's no standard or criteria for reviewers.   Using WOT to prove a websites information is accurate would be like using a Yelp review as a source in an academic journal or in court.   > what would constitute ""scientific methodology"" regarding political analysis?  When researching for media bias, you'll need:   A. Clearly defined terms  B. Objective criteria for doing measurements  C. Accounting for error/bias on the part of researchers  D. Having experts in relevant fields peer-review and publicly scrutinize your research   This isnt just about science, these are the foundations of any attempts at determining truthhood.   You're trying to tell me what websites are biased and which are legit, you don't even understand how to go about determining what bias or truth is without basing it on someone else's unevidenced opinion.   I understand that we might be able to intuitively recognize bias on the part of overtly right-wing (Brietbart) or left-wing (CNN) news sources, but websites like this can't call themselves fact-checkers when its based entirely on their own intuitive opinions.    Sourcing blog posts and unsourced websites is the level of research you'd expect from a conspiracy theorist."


"I would like to first point out that there is nothing special about a self-managed investment portfolio as compared to one managed by someone else. With some exceptions, you can put together exactly the same investment portfolio yourself as a professional investor could put together for you. Not uncommonly, too, at a lower cost (and remember that cost is among the, if not the, best indicator(s) of how your investment portfolio will perform over time). Diversification is the concept of not ""putting all your eggs in one basket"". The idea here is that there are things that happen together because they have a common cause, and by spreading your investments in ways such that not all of your investments have the same underlying risks, you reduce your overall risk. The technical term for risk is generally volatility, meaning how much (in this case the price of) something fluctuates over a given period of time. A stock that falls 30% one month and then climbs 40% the next month is more volatile than one that falls 3% the first month and climbs 4% the second month. The former is riskier because if for some reason you need to sell when it is down, you lose a larger portion of your original investment with the former stock than with the latter. Diversification, thus, is reducing commonality between your investments, generally but not necessarily in an attempt to reduce the risk of all investments moving in the same direction by the same amount at the same time. You can diversify in various ways: Do you see where I am going with this? A well-diversed portfolio will tend to have a mix of equity in your own country and a variety of other countries, spread out over different types of equity (company stock, corporate bonds, government bonds, ...), in different sectors of the economy, in countries with differing growth patterns. It may contain uncommon classes of investments such as precious metals. A poorly diversified portfolio will likely be restricted to either some particular geographical area, type of equity or investment, focus on some particular sector of the economy (such as medicine or vehicle manufacturers), or so on. The poorly diversified portfolio can do better in the short term, if you time it just right and happen to pick exactly the right thing to buy or sell. This is incredibly hard to do, as you are basically working against everyone who gets paid to do that kind of work full time, plus computer-algorithm-based trading which is programmed to look for any exploitable patterns. It is virtually impossible to do for any real length of time. Thus, the well-diversified portfolio tends to do better over time."


No worries. So I suppose it depends on your current excel experience. I never had a ton which is why I picked it up. I'm almost through section 4 of the course, and learning conditional formatting, dynamic names in cells, and other shortcuts. I haven't touched anything finance related necessarily. Section 5 looks to be where the advanced formula lessons start, and Section starts P&L construction. As someone with limited experience beforehand it's been great


Actually, it's well known that China is using North Korean slaves who work for free in Chinese factories, hotels, etc.  All the money paid for those slaves got the North Korean government.  And both China and NK are communist, supposedly all about workers' rights.


"To anyone else with this mindset: -Remember that your recruiters and potential employers don't care about the health of the national job market. They care about their own company. They want to maximize EmployeeValue/EmployeeCost. They know what they want and what they can afford. So of course they are going to fish for a lunker. Why wouldn't they? -Every damn thing is negotiable. Don't like that starting salary offer? Counter it. Know direct competitor starting salaries.  -""I don't have direct experience with X, but I do have experience with Y"". Use this.  Since I ruffled a few feathers here I'd be happy to look at any entry-level SW engineering resumes for feedback. PM me."


Maxi-Jaye is an experienced, professional cleaning company. You can rely upon us to provide you with office, commercial and house cleaning services. We work hard to provide high-quality, professional services. Our objectives are to provide cost effective cleaning services that promotes the very highest standard end results, full commitment to quality highest quality customer care effective management and constant innovation. We provide services in Wembley, Watford, St Albans and Harrow.


> What the hell is that title trying to say?  That I - Deacon John Hubertz, and my tiny church, are going to make a dedicated and if necessary lifelong effort to stop the thieves and scoundrels who charge $10,000 to bury a body.  We do this for the widows, for the orphans, and because I and my entire church are on a mission from God.  We do not own a building, we do not seek to convince or convert, and we never ask for donations. We have been given this righteous task and with all our strength we will do this.  http://saintjosephrcc.blogspot.com/2017/09/god-speaks.html


We ask Trump to denounce hate groups and condemn their actions. I would like to see the people ask CEOs to publically denounce specific Trump statements, positions, tactics, and policies under threat of boycott. If CEOs have a fiduciary duty to advise and associate with the president, combat it with the prospect of lost revenue for their business.  EDIT: And now Trump has [ended the business councils](https://twitter.com/realDonaldTrump/status/897869174323728385) after eight CEOs quit.


The stupid question nobody asked: how mechanically inclined are you? I buy used cars, but then again I can work on them (I am building a new engine to my specs for one of my cars). Replacing a head gasket in a Subaru would be less than $200 for me, so I would find someone who blew his and offer $1000-1500 for the car if it is one of the models I like. The reality of buying an used car is that you are buying someone's else problems. How much do you know about that specific car model, its quirks, and what usually goes bad on them? For instance, it is a fact most people who buy a BMW 3 series flog them, so expect an used one to have been abused by someone trying to pick up girls by acting like he is a racer. A 5 series, on the other hand, would have a better life. Then some cars tend to rust on certain areas of the body. On the other hand I have seen Hyundai Elantras take a lot of abuse -- no oil change in 3 years -- and keep on ticking. Yes, you need to do some research on new cars, but old ones require even more. If you are going to save money buying used, make sure to spend time and research the options and their hidden costs. And learn how to check a car and have a feel for how much you will spent on repairing/maintaining it.  And what you are willing to give up on your first car: is having a working AC that important? How about power windows?  If you do buy a used car, try to put $100-200 aside every month, as if you are doing car payments. That will be your emergency and downpayment-for-next-car money. No matter what you buy, remember all you want on a new car is reliability and fuel efficiency. And, how much do you need a car right now? If you have to ride 30minutes to work in pouring rain and then be talking to customers, maybe a car worth having. But, where I live, a lot of people ride bicycles to work and back or use public transportation. I would trust getting into my car right now and drive 5h, and yet I take the bus every day (I like saving money on fuel and parking fees).


"But in the debt-payoff-first scenario, I'd be wiping out my debt in   two years. It would take several more years if I were to just pay the   minimums and put the extra money toward investing instead. Right. The idea is that in 2 years, you are likely to have more in the savings/stock account than you owe on the loan. But. The range of returns for X years has a smaller standard deviation the greater X is. e.g. any year has about a 1 in 3 chance of being negative. A 10 year period had a negative return (-1% CAGR) in the '00s recently, but the 15 year return even around that decade would have been successful. Jan 1 '96 - Dec 31 2010 returned 6.76% CAGR, Jan 1 2001 - Dec 31 2015 returned 4.96% CAGR.  This tells you that the time frame is as important as your sleep factor. Your 2 years? I'd just kill the loans. A 10-15 year horizon? I'd ask how you ""feel"" about that debt. The cost of going after a potential higher return may not be worth the risk to many. For some, it's fine. I retired, with a mortgage still in place, but the money in my 401(k) that could have paid off the mortgage is now about twice the remaining balance. So I sleep like a baby.  In the end, I'm a fan of investing for the long term vs paying off low rate debt, but it's a choice based on the individual."


Because the HFT bought them in response to the guy buying. The HFT was only able to get them faster because his server and internet connection were faster. That in combination with the fact that they intentionally just spray the exchange with a huge combination of buys. If they don't have anyone on the hook, they just cancel.   So the HFT sends the exchange a bunch of buy orders. They know 99.9 won't match up with a guy who's looking to buy and cancel them. However, when they get a guy on the hook they let that one go through and don't cancel it.   A traditional market maker doesn't do that. They let all the orders go through and charge a higher price when someone wants it. However, this is accepted as fair because they're providing volume. They're making sure that buyers and sellers will have an active market. So it's expect that they should be able to profit for having that convenience.  When a HFT can cancel their orders at will they're not providing volume.  It's not uncommon for a market maker to buy as many shares as possible and then force you to pay more for it. However, they give people the ability to buy or sell shares.   HFT don't do this. They are fast enough to cancel buy orders unless they have a buyer on the hook. As a result they can be a market maker without any losses. That would be one thing, but they don't provide the market with liquidity. They just dump the shares as soon as they're done taking their haircut (tax).


As you get older you see how tendons and joints take longer to heal. I work at a desk and I can only imagine how an injury in a manual job would require a pain killer to stay working. But the injury and pain would keep getting worse. And I'm sure the obesity epidemic isn't helping things.


You ARE naive in that you are concerned about employees who have already choosen for the most part their career fates.  Newsflash buddy, unskilled workers are at the largest risk of becoming unemployed in an increasingly unstable economy.   I realize you come from a world of lifetime employment, benefits, retirement, pensions (what's that?!) but that simply isnt the world anymore. For the last few decades this country's potential has been squandered and this is the end result. Very little opportunity for an increasing majority of participants and crushing overhead destroying all but the most profitable and sustainable business models.


That's a pretty big jump going from private equity and Toys R Us to Trump voters. To me, this will go down exactly as it should: anyone who borrowed money to the private equity firm for the Toys R Us deal will lose a lot of money.   The only larger connection I see is that retail is a terrible business to be in right now.


Adding a couple more assumptions, I'd compute about $18.23 would be that pay out in 2018.  This is computed by taking the Current Portfolio's Holdings par values and dividing by the outstanding shares(92987/5100 for those wanting specific figures used). Now, for those assumptions: Something to keep in mind is that bonds can valued higher than their face value if the coupon is higher than other issues given the same risk.  If you have 2 bonds maturing in 3 years of the same face value and same risk categories though one is paying 5% and the other is paying 10% then it may be that the 5% sells at a discount to bring the yield up some while the other sells at a premium to bring the yield down.  Thus, you could have bonds worth more before they mature that will eventually lose this capital appreciation.


"Did anyone in your family die and leave you to take care of kids you didn't bring into the world?  Did a random accident leave you disabled in any way or maybe just in chronic pain?  Did you have a loved one become disabled and unable to take care of themselves?   No disrespect to working hard and saving your money. I agree with that. And I commend you for doing it.   But ""Plan your life and live below your means"" is a mighty useless piece of advice to people who are having a tough time making ends meet - sometimes through not fault of their own."


As an attorney, your proposal would result in fewer attorneys taking on class action cases. Typically in class action lawsuits, the consumer is unable to afford to pay the attorneys their hourly rate. So the attorney gets paid 0 up front, dedicates all their time and resources for free until if, and when, the judge or jury rules in their clients favor. Then the attorneys collect for all the time and up front resources expended for the past x amount of years spent fighting in court for clients, who up until that point have paid 0, by earning a percentage of the total award. The attorneys deserve to be compensated for their time and effort and taking the risk on the case. Let’s not position it as if the lawyers are doing their clients a disservice by finally getting paid a percentage of the total recovery at the end.


Burgers don't sit pre-made at Wendy's (or any other fast food chain for that matter). The patties sit on the grill until a burger is ordered, and the sandwich is dressed at that point. Patties that sit too long are used for chili meat.  In this instance, the patty may have been cooked too long and lost its flavor.


That's an excellent point Banshay. This problem that you have suggested can definitely be a big leak to the business. I will thus put a bigger emphasis on our POS system to make sure everything is adequately tracked.


Royal White Marmo stone PVT .LTD. initiated in 2005, at Rajsamand. This is manufacturing, exporting and supplying company in India. This company offer Marble stones that are used in manufacturing of floor, counter top and so on. We have achieved superior position in the industry. We offer expanded range of marble at high quality and affordable price.https://www.slideshare.net/royalw/indian-marble-market-price-76400348


Of course, as a 'good' person (or maybe a 'stupid' person), I should call them, (wait 30 minutes in the queue), and then try to explain the issue to the service desk. I actually did that, and the guy thought I am nuts to even call, and told me to 'just use them they are yours now'. I don't feel like calling again and again until I get someone that believes it, just to return them their points. Calling generally does not solve this problem. You would need to write a letter using certified mail and send some reminders. Hopefully they should notice it, if not you at least have evidence that you have communicated. I could just toss the card and forget about it. However, I had quite some points on it that really belong to me, so that feels like I pay for their fault. There is no need. You can continue to use the card as usual. Use them and play stupid. This is not a good idea. They are clearly not yours. Somewhere in Terms and Conditions you will find some fine print about notifying Bank/Financial Institution about the errors. Best course, after intimating informing them via letters, keep using your card as normal and use your points as normal. You would roughly know your points balance.


This advice is easily ignored because it's one of the more difficult to do, especially if you describe yourself as an introvert: Alumni.  If you went to a well known University - you should have a massive alumni network at your fingertips.  You need to replicate those informational interviews with dozens and dozens of alumni. One at a time of course, but reach out to them, honestly.  Call or email if you're too uncomfortable calling.  You won't get a response to every email you send or call you make, but I promise it's THE best way to get where you want to go. Especiall if you've already exhausted your own family and friends network.  Rough example email below:


These articles are such slop. CEO's salaries are rising because it is becoming increasingly difficult to hide income from the tax collectors. Period. End of story. Nobody is getting raises, they're just being forced to pay more taxes because the government needs money more now than it has in recent years


"It's more the opposite...using a credit card as a debit card may be treated as a ""cash advance,"" since money is debited on the spot...so you could be charged a cash advance fee. If you used your debit card as a credit card, there may simply be a balance on the account that needs to be paid off before it begins accruing interest."


Forms for the Colorado LLCs are online. You can find the link to the dissolution form here, and instructions here. IRS instructions are here. That's what they want: To close your business account, send us a letter that includes the   complete legal name of the entity, the EIN, the business address and   the reason you wish to close your account. If you have a copy of the   EIN Assignment Notice that was issued when your EIN was assigned,   include that when you write to us at: Internal Revenue Service Cincinnati, Ohio 45999 Everything is pretty straight forward.  Note that you might be required to file a initial/final tax return if you had any transactions.


Only in foreign ports. For example Cathay Pacific is based out Hong Kong, it will employ staff to do everything from check in to cleaning. When they fly into overseas ports they will contract other airlines or menzies etc to do their ground handling.


Streamline refinance is the way to go.  You don't have to stay with the same bank to do so either.  The big advantage of the streamline is the original appraisal is used for the refinance, so as long as you didn't have negative amortization(impossible in FHA anyways), you're good to go.  It will be much less paperwork and looser credit standards.  The ONLY downside is that upfront and monthly FHA mortgage insurance ticked up from where it was 2 years ago.  If you're under a 80% LTV however you won't have to worry about it.


I know. It's crazy, if you step back and look at it.  The issue is that startup media is really tabloid media. It focuses only on the big, unlikely wins, which appeals to our base instincts. We want to believe that we are Cinderella dressed up in Ruby on Rails.   But the fact is, the more you read about extraordinary things, the more likely you are to think it will happen regularly, and happen to you. That's a basic cognitive bias, the availability heuristic.   That, and the cooing of venture capitalists, is what leads people to believe that their hobbies or fun non-profit projects could and should make them rich.


The term self-directed generally refers to RRSP accounts where the account holder has not only the ability to determine a basic investment asset mix (such as can be accomplished even with a limited selection of mutual funds) but, more specifically, the self-directed account holder has a much wider choice of financial instruments beyond mutual funds, GICs, and/or cash savings. A self-directed RRSP generally permits the account holder to also invest or trade directly in financial instruments such as: Those kinds of instruments are not typically available in a non-self-directed mutual fund or bank RRSP.  Typical mutual fund or bank RRSPs offer you only their choice of products  – often with higher fees attached. Related resources:


"Let's start by saying that of all the things to solve in a mortgage equation, the rate is the toughest. It's the least friendly to solving with pencil and paper. While I never tire of expressing my love for my Texas Instruments BA-35 financial calculator, it's no longer in production, and most folk won't have access, but Excel is right there.  The financial function pops up for you with RATE as a choice for solving.   I filled in the cells to show the numbers. The -665.30 is a typical convention for money flows as it's a payment from you not a credit for interest you earn. Note, some mortgage calculators leave this entry as positive. It takes a second to see how one's calculation or spreadsheet does this.  Last, you can see the software wants a ""guess."" This is because the software has a loop, guessing and getting closer to the solution. I entered .005 to guess 6% per year. The correct solution is .006 or 7.2% per year.  Class dismissed."


Just because it gets delisted from one of the big boards doesn't mean it can't trade over the counter.  For example GM went OTC under the ticker MTLQQ for a while.  That being said, just because the stock is trading over the counter doesn't mean it has any real long term value.


Its actually a good thing.  The #1 factor to your credit score is your credit utilization.  So if you don't spend money unwisely and they don't have any annual fee I would keep them and use them each twice a year to keep them in your credit mix.


"My old place of business used to have a huge number of ridiculous meetings. Many of them were retreading old ground just because we all knew, deep down, that there was no way for us to break new ground in that bureaucratic hell.  We had a ""Go/No Go"" meeting on a Sunday discussing whether or not we were going to go live with a new version of somesuch or another that was dependent on some other team having its shit together (spoilers: they didn't).  The call, somehow, took over an hour. I played Half Life 2 the entire time."


I agree with Joe, having the money deposited to the US bank account may land you in trouble. Technically, a US business paying a foreigner must withhold 30% of the payment, unless a tax treaty says otherwise. The US business should do that based on your W8-BEN/W8-ECI form that you should have given to the business before being paid. I'm guessing, that by paying to your US bank account, you (and your American counterpart) are trying to avoid this withholding. That may cause trouble for both of you. I would suggest you talking to a professional (EA/CPA licensed in the State where the business is located) and having the situation resolved ASAP. You may not be liable for the US taxes at all, but because of incorrectly reporting the income/expense - you and the US business may end up paying way more than the $0 you otherwise would have, in penalties.


Look, the richest guy I know personally is the first college grad in his family, and he is the first generation of natural-born citizens in his family. He worked (and lucked) his way from almost nothing to rich as fuck, but the fact that I happen to know him personally doesn't nullify his status as a statistical outlier.


Well, actually in your brother's case it's quite a good idea. Not as a savings method, but as what it is - insurance. As long as he's alive and well he can pay his own debts, they're his problem and it's his responsibility. Once something, god forbid, happens to him - the debts become the problem of his survivors (you, if he doesn't have kids, for example). His life insurance should provide the means to pay off the inherited debts. So the point of life insurance as insurance is to make sure those who survive you have enough of what they need to continue living as they were with you. Some policies take into account injuries and work disability, so that not only when you die there are benefits, but also when you had an accident and can no longer work. Some policies are basically a combination of savings and insurance - that's the policies discussed in the investing threads. edit as clarified in the comments, debts cannot be inherited per se, they will be paid off from the estate before disbursement of such. What it means though is, if the deceased had accrued significant debt, all his assets may go to the creditors leaving survivors with nothing, which may also mean homeless. That was the kind of a problem I was talking about.


> The laws of capitalism are not ironclad  They are not the laws of capitalism but of reality, which unfortunately *are* ironclad. If you give more stuff to someone than you get in return, you eventually run out of stuff. There is no power known to man that can change that.


Credit in general having no significant change between an income level or net worth is due to the economic reciprocity principle inherent in many societies. Although some areas of credit may be more admirable to those who aren't as well-off, such as car loans, the overall understanding of credit is a trust agreement between someone getting something (e.g., credit card user) and someone giving something (e.g., bank or company). Credit doesn't have to mean just money -- it can be anything of value, including tangible materials, services, etc. The fact is that a credit is a common element in most economical systems, and as such its use is not really variable between income levels/etc. Sure, there is variance in things like credit line amounts and rewards, but the overall gist is the same for everyone -- borrowing, paying back, benefits, etc. All of these exchanges form the same understanding we all know and follow. Credit brings along with it trust -- the form represented in a score. While not everyone may depend entirely on credit, and no one should use credit as a means of getting by entirely (money), everyone can understand and reap the benefits of a system whether they make 10K a year of 10M a year. This is the general idea behind credit in the broadest sense possible. Besides, just because one has or makes more money doesn't mean they don't prefer to get good deals. Nobody should like being taken advantage of, and if credit can help, anyone can establish trust.


My prediction: in 3-5 years when amazon finally has to pay sales tax, they will buy sears.   IMO sears website is so atrocious it makes me wonder if the management there even knows how to use the Internet. It has gotten better in the last 6 months or so, but any chance they had at a successful business model with the Internet was already shot.


Right.  Ultimately, this golden parachute is $200mil+ too large, but she was never likely to turn Yahoo around.  She did not succeed in turning around a failing enterprise.  Mistakes and mishaps in that scenario are always very glaring.  So, while she didn't do a great job, I think the narrative of her being the downfall of Yahoo is incorrect.  Ultimately, Yahoo needed a visionary type to turn it around.  Those are few and far between and often seem to need to be very connected to the company they are turning around.  Even with that type of person at the helm it would have been a long shot to turn Yahoo around.


I really like keshlam's answer. Your age is also a consideration. If you make your own target fund by matching the allocations of whatever Vanguard offers, I'd suggest re-balancing every year or every other year. But if you're just going to match the allocations of their target fund, you might as well just invest in the target fund itself. Most (not all, just most) target funds do not charge an additional management fee. So you just pay the fees of the underlying funds, same as if you mirrored the target fund yourself. (Check the prospectus to see if an additional fee is charged or not.) You may want to consider a more aggressive approach than the target funds. You can accomplish this by selecting a target fund later than your actual retirement age, or by picking your own allocations. The target funds become more conservative as you approach retirement age, so selecting a later target is a way of moving the risk/reward ratio. (I'm not saying target funds are necessarily the best choice, you should get professional advice, etc etc.)


Sorry, but that's a load of sh*t.  The economy tanked in March of 2000 when the tech bubble burst.  Projecting the insane bubble economy outwards showed the debt could be paid off, but it was already over when Bush came into office.  (Tax receipts are backwards looking, the stock market is forward looking.  The world knew in early 2000 that the party was over.)


Buy and sell orders always include the price at which you buy/sell. That's how the market prices for stocks are determines. So if you want to place a buy order at 106, you can do that. When that order was fulfilled and you have the stock, you can place a sell order at 107. It will be processed as soon as someone places a buy order at 107. Theoretically you can even place sell orders for stocks you haven't even bought yet. That's called short selling. You do that when you expect a stock to go down in the future. But this is a very risky operation, because when you mispredict the market you might end up owing more money than you invested. No responsible banker will even discuss this with you when you can not prove you know what you are doing.


Discussing the existence of a speakeasy is not the same as handing out a map with hand written annotations and directions to the speakeasy.  Note that I did not hand out addresses, names, or even discussed the type of content that one might find on a private torrent tracker.   I have just stated that they exist and wanted to point out that the fact that because they are not very commonly known about, clearly demonstrates that the members of said sites are (and can be) extremely discrete.  I agree that torrent sites require discretion to stay alive, however your post seems to indicates that you, perhaps, are not aware of the existing reality of extremely discrete, private, torrent trackers with extremely large content libraries and user bases. As such, in order to stop the dissemination of bad information to others (ie, that there is no way those could possibly exist!), I thought I would point out to those who may not be in the know, that there are indeed private, discrete torrent trackers that are safe and free.


High ROI and high barriers to entry are rare to find existing together at the same time in the same market. More commonly, you have high margins/ROI in early markets, but high barriers to entry are more common in mature markets. The most common places to find high ROI and barriers to entry is when there is something *proprietary* involved. This is why the STEM (science, technology, engineering, and math) fields are so valuable. Industries related to these fields have an edge because they are the most likely fields to create something proprietary. When something proprietary is also in high demand, you have a barrier to entry and also a potential to create high margins (which in turn will be high ROI). Some people have mentioned medical devices, which are an excellent example. There are only a handful of companies that have went to the lengths of development to create the Swan Ganz catheter, for example (an essential tool used in cardiac surgeries). With little competition and high demand, companies that manufacture Swan Ganz catheters can put healthy margins on the product without worry.  TL;DR: The best way to find something high ROI that also has barriers to entry is to specialize towards something proprietary that cannot be imitated or replaced, but is also in high demand.


Firstly, there is also a lifetime gift+estate tax allowance. If the father's estate, including other gifts given in his lifetime, is unlikely to exceed that allowance, it might be simplest simply to give the whole amount now and count it against the allowance. Right now the allowance is $5.34M, but that seems quite a big political football and it's the allowance when you die that matters. Looking back at past values for the allowance, $1M seems like a pretty safe amount to bet on. If you want to avoid/minimize the use of that allowance, I would make a loan structured as a mortgage that will have $14K payments each year (which can then be forgiven). The points in Rick Goldstein's answer about an appropriate rate, and being able to give more if more notional donors and recipients can be used, also apply. So for example in the first year hand over $200K at 3.5% and immediately forgive $14K. The next year, forgive the interest charge of $6.5K and capital of $7.5K. Given the age of the daughter, I guess the father might well die before its all paid off that way, leaving some residue to be forgiven by the estate (and thus potentially incurring estate taxes). There might also be state gift/estate taxes to consider. Edited to reflect 2014 gift and lifetime exclusion limits.


One lender's explanation of getting permission to rent out.  The implication is that it is straightforward with a 1% extra interest to pay.  However, there is no guarantee that permission would be given, so there might be a risk. http://www.nationwide.co.uk/support/support-articles/manage-your-account/letting-your-property/letting-your-property-overview Definitely renting out a property with a residential mortgage is not a good idea.


"This is the best tl;dr I could make, [original](https://pertinentproblems.com/2017/07/20/is-economic-globalisation-incompatible-with-national-democracy-part-two/) reduced by 96%. (I'm a bot) ***** > One way in which economic globalisation has aided national democracy is by facilitating access to technology and in particular forms of mass communication.  > There are some ways in which the mass availability of technology made available by economic globalisation has been used to hinder and delay democracy in the developing world.  > It would be wrong to conclude that economic globalisation and democracy are incompatible; as this essay has sought to explain, globalisation has aided the spread of democracy and the two can and should exist alongside each other.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6onk5j/is_economic_globalisation_incompatible_with/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~172266 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*: **democracy**^#1 **globalisation**^#2 **economic**^#3 **country**^#4 **people**^#5"


Don't invest in regular mutual funds. They are a rip-off. And, most investment professionals will not do much to help your financial future. Here's the advice:


It may be tempting to be financially lenient with your customers as you start to build business relationships, but doing so may ultimately jeopardize your profitability. Establish clear payment terms on all invoices and documents, including a reasonable penalty (start with eight percent) over the invoice amount if the total is not paid within the standard payment terms.


To get the probability of hitting a target price you need a little more math and an assumption about the expected return of your stock.  First let's examine the parts of this expression. IV is the implied volatility of the option.  That means it's the volatility of the underlying that is associated with the observed option price.  As a practical matter, volatility is the standard deviation of returns, expressed in annualized terms.  So if the monthly standard deviation is Y, then Y*SQRT(12) is the volatility. From the above you can see that IV*SQRT(DaysToExpire/356) de-annualizes the volatility to get back to a standard deviation.  So you get an estimate of the expected standard deviation of the return between now and expiration. If you multiply this by the stock price, then you get what you have called X, which is the standard deviation of the dollars gained or lost between now and expiration.  Denote the price change by A (so that the standard deviation of A is X). Note that we seek the expression for the probability of hitting a target level, Q, so mathematically we want 1 - Pr( A < Q - StockPrice)  We do 1 minus the probability of being below this threshold because cumulative distribution functions always find the probability of being BELOW a threshold, not above. If you are using excel and assuming a mean of zero for returns, the probability of hitting or exceeding Q at expiration, then, is That's your answer for the probability of exceeding Q. Accuracy is in the eye of the beholder.  You'd have to specify a criterion by which to judge it to know the answer.  I'm sure more sophisticated methods exist that are more unbiased and have less error, but I think it's a fine first approximation.


"When margin is calculated as the equity percentage of an account, the point at which a broker will forcibly liquidate is typically called ""maintenance margin"". In the US, this is 25% for equities. To calculate the price at which this will occur, the initial and maintenance margin must be known.  The formula for a long with margin is: and for a short where P_m is the maintenance margin price, P_i is the initial margin price, m_i is the initial margin rate, and m_m is the maintenance margin rate.  At an initial margin of 50% and a maintenance margin of 25%, a long equity may fall by 1/3 before forced liquidation, a short one may rise by 50%. This calculation can become very complex with different asset classes with differing maintenance margins because the margin debt is applied to all securities collectively."


In addition to the other answers, also consider this: Federal bond interest rates are nowhere near the rates you mentioned for short term bonds. They are less than 1% unless you're talking about terms of 5-10 years, and the rates you mentioned are for 10 to 30-years terms. Dealer financed car loans are usually 2-5 years (the shorter the term - the lower the rate). In addition, as said by others, you pay more than just the interest if you take a car loan from the dealer directly. But your question is also valid for banks.


CUs are now starting to adopt some of the bank's tricks, like using a longer float during online bill paying and for outside transfers.  Also for overdrafts they are now starting to kick into fees or automatic loans rather than transferring money from your savings account.  I've been a member for decades and my CUs weren't doing this previously.


I'm aware that this is not how modern economics works. I considered pursuing a graduate degree in the subject, but chose not to because I disagree with the epistemological foundations of the approach.    My ideas aren't based in explicit observation of reality, as I prioritize reason above observation. The difference between the two approaches is similar to the difference between pure mathematics and applied mathematics, where the rationalist (my perspective) is pure math, and the empiricist (the modern economist) is applied math. If you would include the theorems and abstractions of pure mathematics as fantasy, then my ideas are indeed based in fantasy, but you'd then have to explain why such an approach is wrong given how often the seemingly useless work of pure math ends up proving highly valuable in the long run (e.g. number theory and computer science).


**I would encourage you to clear all your debts and remain debt free, then you can consult a financial manager-for investing purposes that fits your needs and goals.  There are so many investment vehicles out, but the best of all is in real estate which requires lots of money.   For your case I would prefer money market funds.  If don't have time for a specialist you just walk into any stock broker and invest in those shares from well established companies with strong fundamentals.  Buy them when undervalued but with long term goals.  Ask the stock broker about bonds and other ways that the government purposes for domestic borrowings.  Etc.


Most people will be in a different job 5-10 years down the line. For people working in these companies, for now, it's some other person's problem not theirs. Not because they don't believe it will happen, but individuals who's job it is to provide short term profits for shareholders are climbing the corporate ladder quicker than this tech gets implemented.  It's the ground floor workers that want jobs for life that end up getting shafted not the decision makers


"The worth of a credit score (CS) is variable.  If you buy your stuff outright with 100% down then your CS is worthless. If you take a loan to buy stuff then it is worth exactly what you save in interest versus a poor score. But there is also the ""access"" benefit of CS where loans will no longer be available to you, forcing you to rent. If you consider rent as money down teh tiolet then this could factor in. The formula for CS worth is different for everyone. Bill Gates CS is worth zero to him. Walking away from a mortage is not the same as walking away from a loan.  A mortage has collateral. There are 2 objects: the money, and the house. If you walk away the bank gets the house as a fair trade. They keep all money you put against the house to boot! Sometimes the bank PROFITS when you walk away.  So in a good market you could consider walking away to be the Moral Michael thing to do. :)"


If you are seeing using a composite Best Bow Release, or if you before have one, then I am sure that the attention has crossed your mind about using an archery bow. Some people may say that they are not necessary, but there is a good chance that you can increase your comfort, consistency and reliability with an arc launch. When you look at many of the archers who shoot frequently, you will realize that they are firing with some help. With the different types of tools in your composite bow you can keep your arrangement pleasant and constant and help miracles with their accuracy.


"This is the best tl;dr I could make, [original](https://www.theguardian.com/technology/2017/oct/20/tech-startups-facebook-amazon-google-apple) reduced by 91%. (I'm a bot) ***** > Startups drive job creation and innovation, but the number of new business launches is at a 30-year low and some economists, investors and entrepreneurs are pointing their fingers at big tech.  > For one thing, the deep pockets and resources of companies like Facebook, Google, Amazon and Apple - with a combined value of almost $2.5tn - make it increasingly difficult for startups to compete or attract investment.  > Even multibillion-dollar startups like Snap, Snapchat&#039;s parent company, struggle to compete against these tech titans.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/781c68/as_tech_companies_get_richer_is_it_game_over_for/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~233105 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*: **startup**^#1 **Amazon**^#2 **Facebook**^#3 **company**^#4 **launch**^#5"


Unfortunately I believe there is not a good answer to this because it's not a well posed problem.  It sounds like you are looking for a theoretically sound criteria to decide whether to sell or hold.  Such a criteria would take the form of calculating the cost of continuing to hold a stock and comparing it to the transactions cost of replacing it in your portfolio. However, your criteria for stock selection doesn't take this form.  You appear to have some ad hoc rules defining whether you want the stock in your portfolio that provide no way to calculate a cost of having something in your portfolio you don't want or failing to have something you do want.  Criteria for optimally rebalancing a portfolio can't really be more quantitative than the rules that define the portfolio.


"DownEastDiving.com is a weblog that covers a general topic of interest. There's a saying ""The more you know, the smarter you grow."" Our goal is to share much information about any topics too as many people as possible. Stay ahead to everyone else by reading more from our site, Improve your knowledge and spread the words."


It's because true competition does not exist in the movie theater business. If you wanted to open up a competing theater whose competitive advantage was cheaper popcorn, you couldn't do it - the studios would never give you rights to screen popular new release movies.  I know this because there are indie movie theaters that constantly struggle to acquire screening rights, because the Regals and AMCs of the world work hard to maintain their monopoly by having exclusive licensing deals with studios. Effectively, studios and a couple major theater chains have gotten together and agreed to fix the price of popcorn.  So if you want cheaper popcorn, there are theaters where you'll find it - you just won't be watching Hollywood blockbuster new releases while you're eating it.


I don't see why not. Many ways this could go. Perhaps you can arrange an agreement where you earn 50% of profits over the basic operating costs. This gives them an incentive to let you open it up. This gives you a chance to see if the business actually makes sense financially... It may not.


"While you have asked for general principles, I am going to seize onto a specific example you gave in order to illustrate the difficulties here: Argentina. Argentina's bonds are probably not safer than US treasuries. Argentina is presently in the business of seizing foreign oil businesses (Repsol YPF) while championing leftist causes. At the very least this indicates an elevated level of political risk: S&P, which affirmed Argentina's ratings five notches into junk territory at B, said policies such as those enacted since the country's October presidential election could also weaken Argentina's macroeconomic framework and external liquidity... ""Actions of this type continue to shorten the economic planning horizon in the country and contribute to Argentina's deteriorating economic and political links with the international community."" -- ""S&P Lowers Argentina Outlook To Negative"". The Wall Street Journal, 23 April 2012 You're not going to be able to capture that sort of a risk with raw budget numbers. It's hard enough to figure out creditworthiness for a business; for an entire nation it's even harder. That's why credit-rating firms, as faulty as they may be, employ dozens of people to try and figure this sort of thing out. Additionally, there is a currency risk associated with buying bonds denominated in foreign currencies. It doesn't matter much if $nation repays all its bonds if they have so much inflation that the repayment is worth half of what it used to be (nor is it much help if your own nation's currency rises in value while your investment's value is stable elsewhere). Ultimately the value of a bond is ""how much money am I actually going to get back?"" and while operating a budget surplus isn't a bad sign in and of itself, it's hardly the complete picture. A fair accounting of the relative creditworthiness of any two nations needs to unite two massive fields of study: Macroeconomics and Politics. It is possible that the right sort of degree in economics, risk management, or a similar field of study could prepare you to know exactly what sort of research is necessary to make a meaningful analysis. :) Now, if you just want some commentary on which bonds are safe to buy, ask a credit-rating agency -- for example, read Standard and Poor's sovereign ratings - or find a mutual fund which may invest in international bonds at its own discretion and have someone else make the decisions."


You really need /r/personalfinance    These questions are not hard but not simple either. I think if this is your retirement money and you are retired, you should speak with a professional financial advisor. Find someone you trust, someone other people you know use. Do not follow anyone who promises guaranteed great returns. Find someone who is honest.


Two of their children were adopted from an orphanage in Addis Ababa, Ethiopia. My brother and his wife would rather have 4 kids raised with a high level of care in relative poverty than fewer kids raised in wealthier circumstances. I'm sure if she worked full-time and the kids attended school it would be better for them financially, but they consider homeschooling to be hugely beneficial.  Staying out of poverty is a higher priority for my wife and I, which is why we work in offices and haven't had any children yet.


In simple terms, this is how the shares are traded, however most of the times market orders are placed. Consider below scenario( hypothetical scenario, there are just 2 traders) Buyer is ready to buy 10 shares @ 5$ and seller is ready to sell 10 shares @ 5.10$, both the orders will remain in open state, unless one wish to change his price, this is an example of limit order. Market orders If seller is ready to sell 10 shares @ 5$ and another 10 shares @5.05$, if buyer wants to buy 20 shares @ market price, then the trade will be executed for 10 shares @ 5$ and another 10 shares @ 5.05$


There are a couple of things to consider here that are relevant to your situation:


It seems a bit late in the process, no? They moved in, you are elsewhere, etc. Today, the Prime Rate is 3.25%. I don't know enough to suggest whether this is fair to both parties. It's more than you'd earn in the bank, and less than they'd pay for a business loan. My own equity line is currently 2.5%, for what that's worth.


How is relying on the benevolence of one rich guy a better system than a strong reliable central bank? What if J.P. Morgan decided not not to intervene in 1907, or bail out the gold standard in 1893. Banks will make stupid decisions whether there is a central bank or not. I would argue an organization dedicated to mitigating a crisis is a better option than some guys who may or may not help.


"I just want to make clear that the Fed saying this is much more significant than a pollster or other source. It gives it a great deal of credibility and makes it, in some way, the Fed's ""official"" stance on this."


"Yeah I find the mixture to be quite varied, with their comments actually making quite clear how moronic some are (""we're data driven"" <-- duh) while some of them are just another way of communicating something eminently sensible.  Things I've used that I don't feel bad at all for having used:      12. This is where the rubber meets the road = Don’t screw up (it's a slightly less patronizing way of saying ""don't screw up"", though I've used the straight form as well)      32. At the end of the day…. = OK, enough talking back and forth, we’re going to do what I want to do (again, I could say what the translation is, but why not go with the slightly more subtle version?)         61. It’s scalable = We can sell a lot of it in theory (I've seen a fuckton of things that are NOT scalable, so it's not an unreasonable thing to discuss)         Business clichés quite often serve a real purpose in heading off conflict while communicating something quite painful in an inoffensive way. If they manage to head off conflict, obviously they start getting used a lot, which turns them in to clichés, which starts a new sort of conflict until a new way of doing it is developed. This sort of thing keeps management consultants in business."


"> 100% Chance of Crisis, Worse Than 2008: Jim Rogers  He also called it in 2011 that it was going to be 2012 or 13. He was wrong.  [""In 2002 it was bad, in 2008 it was worse and 2012 or 2013 is going to be worse still – be careful,""](http://www.cnbc.com/id/45219555)"


Once, back when I had a bank account, I tried to pay a large emergency dental bill with my debit card. It rejected it as it turned out the bill was less than a dollar over what I had in the account. I thought there was enough money so I tried again, 3 times. They charged me an overdraft for each attempt even though the debit never went through. This was without overdraft protection, as overdraft protection would have allowed the debit and charged me one overdraft. I don't know the details but federal regulations have changed how they do this.  To me overdraft protection rejects any debit that attempts to overdraft my account and doesn't charge me with an overdraft that didn't actually occur as a result of the charge being rejected, but that's not how it works.


It's not intended to be the end all be all. It is intended to be a supplement in some areas, a primary source to be supplemented in other areas. With enough alternative sources put into place, it cuts the volume of hydrocarbons needed for current and future demand. With the technology ever evolving. In alternative generation and battery back up storage, it very well could lead to it being the end all be all in the future. I'm sure plenty of carriage makers and blacksmiths were having this same conversation around 1903.


yes, you are double counting. Your profit is between ($7.25 and $8) OR ($7.75 and $8.50). in other words, you bought the stock at $7.75 and sold at $8.00 and made $0.50 on top. Profit =  $8.00-$7.75+$0.50 (of course all this assumes that the stock is at or above $8.00 when the option expires. If it's below, then your profit = market price - $7.75 + $0.50 by the way the statement  won't call me away until the stock reaches $8.50 is wrong. They already paid $0.50 for the right to buy the stock at $8.00. If the stock is $8.01 on the day of expiration your options will be executed(automatically i believe).


The IRS allows filers to attach a statement explaining the reason for late filing.  I have had clients do this in the past, and there has never been an issue (not that that guarantees anything, but is still good to know). Generally, the IRS is much more lenient when a taxpayer voluntarily complies with a filing requirement, even if it's late, than if they figure it out themselves and send a notice.


Au début, vous allez acquérir un salaire organisé. De toute évidence, offrir un Rachat Vehicule En Panne à des mains changées pourrait présenter une procédure au sujet de laquelle vous ne recevriez pas d'argent pendant un temps formidable. Il est particulièrement standard que le nouvel acheteur vous demandera de remettre le bit ou si rien d'autre ne tente de le mordre en morceaux


In order to compare the two, you need to compare your entire portfolio, which is not just how much money you have, but how much stock. In both scenarios, you start with (at least, but let's assume) £20 and 0 stock. In your scenario, you buy 10 shares, leaving you with £0 and 10 shares. You then sell it at £1.50/share to cut your losses, leaving you with £15 and 0 shares. That concludes the first transaction with a net loss of £5. In a second transaction, you then buy 10 shares again at £1/share, leaving you with £5 and 10 shares. You are still down £15 from the start, but you also still have 10 shares. Any further profit or loss depends on what you can get for those 10 shares in the future. In a short sale, you borrow 10 shares and sell them, leaving you with £40 (your initial £20 plus what you just made on the short sale) and -10 shares of stock. At the end of the contract, you must buy 10 shares to return them; you are able to do so at £1.50/share, leaving you with £25 and 0 shares. At this point, your exposure to the stock is complete, and you have a net gain of £5.


"It's a nice thought, don't get me wrong. Pushing decision making power down to levels that can correct issues quickly is great; especially in smaller organizations. The big miss with this line of thought is that all of Tesla's 33,000 employees actually know who / where to go to solve their issues in the first place - they don't (nor do they in any large organization) which is why you have organizational structure.  Also - the author states at the end ""I worked for one non-profit with this environment and then consulted for a half dozen others; none of them had this sort of communication."" I would have puked if I weren't laughing so hard - how that experience is relevant to the article regarding a large, for profit enterprise is beyond me. I am sure it impresses people at Starbucks though."


I've worked at companies with free meals before and though the perk is nice, people eat way too much of it. Maybe it's a survival trait we held onto where if food is free we over eat it.     For example; my colleagues eat pretty healthy and so do I. But I like ice cream in the summer so every week I stock our work freezer with various ice cream sandwiches, drumsticks, etc. they're cheap so it's not a big deal but people who normally wouldn't eat ice cream are now eating Neapolitan sandwiches in the morning and another after lunch. It inspired others to start catering our mornings with coffee cakes and stuff. Everyone loves having this stuff around.   Now, nobody is unhealthy or overweight, they're managing it well. But just that example alone of providing free treats shows how willing people are to perhaps over indulge or engage in behavior they typically wouldn't. If you put free stuff in front of people they'll eat it even if it's not a normal part of their diet.   I think you're onto something here. If you know they'll overdo it, put the cheaper and healthier veggies on the front.


Legally, I can't find any reason that the LLC could not lend money to an individual. However, I believe the simplest course of action is to first distribute money from your company to your personal account, and then make it a personal loan. Whether the loan is done through the business or personally, financially I don't think there is much difference as to which bucket the interest income goes into, since your business and personal income will all get lumped together anyway with a single person LLC. Even if your friend defaults on the loan, either the business or you personally will have the same burden of proof to meet that the loan was not a gift to begin with, and if that burden is met, the deduction can be taken from either side. If a debt goes bad the debtor may be required to report the debt as income.


Seriously... People worry about what symbols are used or not used on their discount food while we have a lot bigger problems than a company's effort to stay neutral in religious matters need to get a life or choose matters that are more worthy of outrage. In a country where the majority is atheist or doesn't practice there are people who worry about this just sound very hypocritical.


"There are many people who have deductions far above the standard deduction, but still don't itemize. That's their option even though it comes at a cost. It may be foolish, but it's not illegal.  If @littleadv citation is correct, the 'under penalty of perjury' type issue, what of those filers who file a Schedule A but purposely leave off their donations? I've seen many people discuss charity, and write that they do not want to benefit in any way from their donation, yet, still Schedule A their mortgage and property tax. Their returns are therefore fraudulent.  I am curious to find a situation in which the taxpayer benefits from such a purposeful oversight, or, better still, a cited case where they were charged with doing so. I've offered advice on filings return that wasn't ""truthful"". When you own a stock and cannot find cost basis, there are times that you might realize the basis is so low that just entering zero will cost you less than $100 in extra tax. You are not truthful, of course, but this kind of false statement isn't going to lead to any issue. If it gets noticed within an audit, no agent is going to give it more than a moment of time and perhaps suggest, ""you didn't even know the year it was bought?"" but there would be no consequence.  My answer is for personal returns, I'm sure for business, accuracy to the dollar is actually important."


> The simple undeniable truth is that the Jews are at the root cause of all strife and misery and terrorism in the world today.  Never mind terrorism by Jews, it's much worse them using blood from gentile children for their rituals.


"There's numerous articles on how EI (Emotional Intelligence) is a higher-sought trait that IQ. High EI individuals also tend to hold leadership positions which results in higher pay.  IQ is important, but ask yourself ""WHY"" is it important? Is this intelligence truly being utilized in your role? Is this something people value purely because their parents and society have beated into their head that it's important? If you want to make more money, observe those around you making that money. What do they have that you don't? It's possible that the lower IQ individuals are doing better in life all around. Utilize that high IQ and ask ""Why???"" - then start looking and asking.  Just because it doesn't make sense doesn't mean it's wrong. Stay curious."


Keep this rather corny acronym in mind. Business expenses must be CORN: As other posters have already pointed out, certain expenses that are capital items (computers, furniture, etc.) must be depreciated over several years, but you have a certain amount of capital items that you can write off in the current tax year.


You'll see a hard inquiry for both, but not necessarily on all three agencies (Experian, TransUnion and Equifax). I have both the Amazon Chase and Amazon Store Card. Amazon Chase, is obviously through Chase bank. Amazon Store Card is through GE Money.


Honest question, in UK, who pays the salary while the woman is on the maternity leave?  I bet it's not the employer.  If so, any cost concern is bullshit, and if the person (or rather a group thereof) can't step in effectively, the place has bigger issues stemming from poor management.  tl;dr: the only reason for this discrimination is that management is **bad**.


Typically if the company is so out of whack that it's liquidating, it won't have assets to even cover all its debts never mind enough to return anything back to owners.  If there was any shot of the company continuing as an ongoing concern it would file an 11 and reorganize.


"Put it in a Vanguard fund with 80% VTI and 20% VXUS. That's what you'll let set for 10-15 years. For somebody that is totally new to investing, use ""play money"" in the stock market. It's easy for young people to get dreams of glory and blow it all on some stock tip they've seen on Twitter."


Chinese culture is one of the very old cultures in the world, and Mandarin is used as a main language here. Knowing China without knowing mandarin is impossible. To become the master of mandarin you need an excellent learning school. We provide that facility in our learning classes.


If you just took money and banking you should probably be aiming for the sales end of the job. The trading end they're going to want you to know about option spreads (I remember my old Prof said [this](http://en.wikipedia.org/wiki/Black%E2%80%93Scholes) was always good to know for finance interviews), annuities, financial statement analysis, and all that fun stuff. Either way flaunt your other skills and knowledge as well - accounting, technology, blah blah blah


It looks like you need a lot more education on the subject. I suggest you pick up a book on investing and portfolio management to get a first idea. Dividend yields are currently way below 5% on blue chips. Unlike coupons from fixed income instruments (which, in the same risk category, pay a lot less), dividend yields are not guaranteed and neither is the invested principal amount.  In either case, your calculation is far away from reality.  Sure, there are investments (such as the mentioned direct investments in companies or housings in emerging economies) that can potentially earn you two digit percentage returns. Just remember: risk always goes both ways. A higher earning potential means higher loss potential. Also, a direct investment is a lot less liquid than an investment on a publicly quoted high turnover market place. If you suddenly need money, you really don't want to be pressed to sell real estate in an emerging market (keyword: bid ask spread). My advice: the money that you can set aside for the long term (10 years plus), invest it in stock ETFs, globally. Everything else should be invested in bond funds or even deposits, depending on when you will need the access. As others have pointed out, consider getting professional advice.


A $10,000 life insurance policy on a child only makes sense for a family that: Thus, it could make sense: Many families are in this financial situation.  A family in the combination of this financial situation and this emotional situation might be well served to seek religious counsel.  If they find ways to remember loved ones without expensive funerals, they could save money on insurance. Ironically, a much larger life insurance policy for a child might make more sense.  Look at it this way:  What is the replacement cost of a child? A family that has only one son (and any number of daughters), or a family that has only one daughter (and any number of sons), stands to lose an obvious part of their genetic and cultural legacy if they lose that son or daughter. It is expensive to conceive, bear, and raise a child to a particular age.  This cost increases as the child ages.  The number of years of child-raising cost obviously increases.  Also, the cost of conceiving another child can go from very small to very large (especially if fertility treatment or sterilization-reversal surgery is required). Unfortunately, most life insurance companies do not think of things this way.  I am not aware of any 100,000 - 250,000 dollar children's life insurance policies on the market.


One reason might be the 100% margin requirement on long options.  Suppose I want to go long AAPL.   I could get a deep ITM call or buy shares. $12,700 for 100 shares, with it's 25% margin requirement is like around $3200 locked up cash.  Combine with a deep OTM Jan 2017 $70 strike put for $188, would give a $3400 margin requirement to enter the trade. or I could be in the JAN 2017 $70 strike for nearer $5800, but with a 100% margin requirement due to being a long call. So (3400/5800) = 59% increase in margin requirement for Deep ITM calls. Plus long term the shares will pay dividends, while a LEAP CALL does not.


">The job was to do only as I was told.  You must be a know-it-all who knows nothing.  And a ""Berkeley Study"" is going to be more biased than Fox News.  Poor little miserable you: Couldn't hack it and got shoved to the side. Get me a latte, pendejo."


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You are in the perfect window for making an IRA contribution. The IRS allows you to make IRA contributions for last year until tax day. So you know that for 2014 you didn't have access to a 401K at work. You want to avoid making a deductible IRA contribution for this year (2015) until you are sure that you wont have a 401K at work this year. Take your time and decide if the detectible IRA or the Roth works best for your situation. Having a IRA now will be good becasue you have many years for it to grow. Keep in mind that it is not unusual to have multiple retirement accounts: Current 401K; rolled over into a IRA;  Roth IRA... Each has different rules, limits, and benefits. There is no reason to pick one way of investing for retirement becasue you never know if the next employer will have the type of plan you like. I am assuming that your spouse, if you are married, doesn't have access to a 401K; otherwise you would have to consider the applicable limits.


In your situation, it sounds like the only added benefit would be insurance continuance.  For employees who can't access short-term disability it is a critical protection against losing their job. I just want to emphasize that given that you are in a pretty decent employment situation.


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You understand that the Fed is *supposed* to make overnight loans to banks, that one of its primary jobs is to be a lender of last resort?  And yes, some were foreign banks; foreign subsidies of US banks or counter-parties to large US banks.  Near-zero, yes for course we're talking about *overnight* loans.  The current commercial rate for overnight euro LIBOR is 0.26179%, in other words, 0.0026, near zero OMG conspiracy!


Most 401k plans (maybe even all 401k plans as a matter of law) allow the option of moving the money in your 401k account from one mutual fund to another  (within the group of funds that are in the plan).  So, you can exit from one fund and put all your 401k money (not just the new contributions) into another fund in the group if you like.  Whether you can find a fund within that group that invests only in the companies that you approve of is another matter. As mhoran_psprep's answer points out, changing investments inside a 401k (ditto IRAs, 403b and 457 plans) is without tax consequence which is not the case when you sell one mutual fund and buy another in a non-retirement account.


“For example,” says the report, “75-year solvency could be achieved by raising taxes or reducing benefits for new recipients by about one-fifth if we started today. However, if policy makers wait until 2034, payroll taxes would have to be increased by nearly one third and it would be impossible to achieve solvency solely from reducing benefits for new beneficiaries.”    Social Security was enacted in 1935. Medicare was enacted in 1965. Life expectancy at those times was 61 and 70, respectively. Today, average life expectancy is 80.   Pushing the receipt age for these benefits makes the most sense and results in a two-fold savings, 1) benefits put into the system through additional payroll deduction and, 2) benefits are not taken out of the system.


I'd put the 20% down, close on the house, live in it for a year, and save the difference.  If you find your cash flow is fine, run a calculation and start on a program of prepaying a bit of principal each month as an extra payment. If you study how amortization works, you'll understand that an extra payment of about 1/6 the amount due will knock off a full payment at the end. This is how a 30 year mortgage starts out. Meanwhile, you should keep in mind, it's easy to prepay the mortgage, but there's really no getting it back. So, before letting go of your money, I'd do a few things; I may be stating the obvious, but consider - No matter how low the payment on your mortgage, a payment is due each and every month until it's paid off. You put 80% down, take a 10 year mortgage, you still have payments for 10 years. You want to insure yourself against needing to sell in a hurry if you both lose your jobs, so whatever you put down, I'd recommend a healthy emergency account, 9-12 months worth of expenses.


As Joe mentioned, you can carry a balance on your credit card for some grace period (typically 1 month). You will not be charged any interest if you pay your balance at the end of the grace period. I think of it as a way to get liquid immidieately for making purchases. For example, you want to make a large purchase but your funds are in some investment account which might take ~1 week to get to you. You can use the credit card to make the purchase and use that grace period to move your money from investments to checking account and pay for your purchase (without paying anything extra). This helps you keep your money invested and not having to keep large amounts in checking/savings account, which does not generate any returns.


Except most people's insurance doesn't allow them to use their personal vehicles for business purposes.  If they had a package to be delivered in the car and get in an accident than insurance will not pay out anything.


"Seriously. Listen to everyone responding to you. What part of this is asking for advice? ""If any you want to come visit Siem Reap, Angor Wat temple please help me a job."" He's literally asking people on this sub to hire him. That's like the definition of advertising. He asking people to use his services and pay him. He's not asking for advice. Not sure why you aren't deleting this post. It's super unfair that you'd allow this guy to get so much free advertising exposure, but not others."


As a casual who just likes to keep up with the news when I see charts like this I'm not sure if I don't know enough to get it or if the chart is bullshit.   It makes me happy to see people call it bullshit.


From the link you provided, it seems like it can be any payee, as long as the check isn't delivered to your own address. From my experience using three other banks with similar requirements (2 bill pays / month), as long as you initiate the bill pay from the bank's website, it should be okay. You can pay anything that you could pay with a check, such as utilities, rent, loan payments and credit card payments. Payments to friends and individuals is fine also, but it's a little bit of a hassle since you have to tell them what you're doing and ask for the money back, unless you really do owe them money. After three bills have cleared, you can send a secured message through their website asking if the requirement for the bonus has been met. I prefer secured messages to a phone call because it leaves a permanent record.


> Just curious, if your already at a BB how come you decided to go back for the MS and not an MBA?  No interest in management.  Far more interested in moving from market maker to a top 5 or top 10 HF trading/portfolio mgmt role.  Finishing up my CFA now so a MS is a bit of a last resort (basically, if I can't get in via networking and a CFA charterholder then I'll pursue a MS)


He also says if you just have $20,000 laying around it's a good idea to use that chunk specifically for investing in good ideas and start up. The problem is investing that much money is not something most people can do


Hey. Currently in treasury. It's good in some ways and bad in others. Every role has it's pluses and minuses.  Some basic thoughts are that you get to see a lot of the company. You get a cursory view of what everyone is doing, all the time, but you don't really ever get in depth views of any one area. It's a role that makes it easy to jump around industries because every large company has a treasury department, but it limits the size of the company you can join because a lot of small companies won't have one or will just have a cash person and not an actual department. You get to look at bond and commercial paper markets, if that's interesting to you. You get a lot of interaction with higher ups because cash is hugely important. You're the first to know if the company is gonna go bankrupt. It's a good place to learn the business if you end up wanting to move, but it's a pretty specific skill set and carries a decent amount of responsibility. It's one of the only corporate finance roles that's closer to front office than mid or back office.  If you are just joining corporate treasury, you'll probably start out doing cash management and forecasting, maybe doing short term liquidity and investment activity. After that, you would move into bond stuff, pensions/401k management, corporate finance stuff as opposed to the cash desk. After that, you'd probably get to be involved in stuff like long term planning and M&A activity, which is the real cool shit.   That's what came off the top of my head. Do you have any specific questions?


My wild ass guess is that it will be a pair of voice controlled, connected headphones. *smartphones*, if you will, that aren't dependent on a phone in your pocket and targeted initially at sporty types and others who don't currently have a great way to listen to music and stay connected while keeping their eyes and hands free to do other things.  It's utility will grow over time as voice and natural language processing improves to the point where we'll be having casual conversations with our devices, but in the meantime so long as it's good for music, calls, texting, and monitoring vitals people will want it.


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You have to wait for three (business) days. That's the time it takes for the settlement to complete and for the money to get to your account. If you don't wait - brokers will still allow you to buy a new stock, but may limit your ability to sell it until the previous sale is settled. Here's a FAQ from Schwab on the issue.


There isn't a single universal way to reference a stock, there are 4 major identifiers with many different flavours of exchange ticker (see xkcd:Standards) I believe CUSIPs and ISINs represent a specific security rather than a specific listed instrument. This means you can have two listed instruments with one ISIN but different SEDOLs because they are listed in different places. The difference is subtle but causes problems with settlement Specifically on your question (sorry I got sidetracked) take a look at  CQS Symbol convention to see what everything means


One of the often cited advantages of ETFs is that they have a higher   liquidity and that they can be traded at any time during the trading   hours. On the other hand they are often proposed as a simple way to   invest private funds for people that do not want to always keep an eye   on the market, hence the intraday trading is mostly irrelevant for   them. I am pretty sure that this is a subjective idea. The fact is you may buy GOOG, AAPL, F or whatever you wish(ETF as well, such as QQQ, SPY etc.) and keep them for a long time. In both cases, if you do not want to keep an on the market it is ok. Because, if you keep them it is called investment(the idea is collecting dividends etc.), if you are day trading then is it called speculation, because you main goal is to earn by buying and selling, of course you may loose as well. So, you do not care about dividends or owning some percent of the company. As, ETFs are derived instruments, their volatility depends on the volatility of the related shares. I'm wondering whether there are secondary effects that make the   liquidity argument interesting for private investors, despite not   using it themselves. What would these effects be and how do they   impact when compared, for example, to mutual funds? Liquidity(ability to turn cash) could create high volatility which means high risk and high reward. From this point of view mutual funds are more safe. Because, money managers know how to diversify the total portfolio and manage income under any market conditions.


"Who would have thought...  + Lies after lies. Greatest american propaganda machine, telling their audience what they wanted to hear + Defending trump's inexcusable words/actions + Obsessing over Hillary, who is more irrelevant now than ever. Bringing her up everytime Trump does something stupid... ""BUT HILLARY...."" + Turning the NFL protest against police brutality into a controversy about not supporting the troops. Which apparently is less controversial than what trump said about McCain not being a war hero for being captured...? Or what he said about the muslim father/mother who lost their son that was a soldier? Or what he said to the families of the soldiers that died (False promises of $25k or the comment about ""he knew what he signed up for"")? + Trying to demonize Mueller for doing his cop duties. Saying Manafort is innocent and its all just a leftist plot to stop trump from doing his job. + Never mind defending trump when he said both sides are to blame in the whole Nazi protest, where a white supremacist killed Americans. + Praised trump for tackling the opoid crisis (which by the way he is doing nothing even remotely significant about) + Saying they are the party of christ, all the while saying bad things about the new pope for being ""liberal"" (even though Jesus himself was as liberal as it gets).  + Going full force against hollywood's ""leftest"" rapist while hypocritically defending their own rapists within their own organization.  + Overtly defending climate change deniers because of oil/gas lobbyists. + Defending criminals in their own party and saying both parties are the same when in reality... https://np.reddit.com/r/politics/comments/79b4z2/robert_muellers_office_will_serve_first/dp0khrf/  ....would have all ended up pushing their advertisers away."


If you have income in the US, you will owe US income tax on it, unless there is a treaty with your country that says otherwise.


This is ironic, because Softbank isn't even LTE-capable yet (or very limited in its offerings outside of major Japanese cities) and has ridicu-bad 3G network speeds in its home country. For reference, I'm living in Japan about ~50 minutes NE of Osaka.  Switched to au last week, and even in my relatively boonie-ish city, it's hilariously faster than Softbank.  Fix your home networks first, Softbank-kun.


> I can't believe no one has mentioned Detroit yet!  There's a reason for that: Detroit's lags far behind the competition.  > University of Michigan.... The state is filled with good schools...  As far as educational attainment is concerned, metro Detroit is underwhelming. Many companies around here also have difficulty recruiting people to the area.   >Detroit has an exploding urban core but also lots of space for new development right downtown.   Detroit is still well behind the curve in terms of development. I guess open land might be considered a mild positive, but Amazon would build in a suburb somewhere if that were the only concern.   >It has a quickly diversifying economy  I've seen people make this assertion before, but I have yet to see even a shred of evidence supporting it. This city still lives and dies by auto.


Stock trading (as opposed to IPO) doesn't directly benefit the company. But it affects their ability to raise additional funds; if they're valued higher, they don't need to sell as many shares to raise a given amount of money.  And the stockholders are part owners of the company; their votes in annual corporate meetings and the like can add up to a substantial influence on the company's policies, so the company has an interest in keeping them (reasonably) happy. Dividends (distributing part of the company's profits to the stockholders) are one way of doing so. You're still investing in the company. The fact that you're buying someone else's share just means you're doing so indirectly, and they're dis-investing at the same time.


Use form W7 to apply for an ITIN. You'll need to qualify for any of the reasons stated there. If you don't qualify for any - you can't get an ITIN. From what you described it looks like your husband is not entitled for ITIN.


You can simply use them to pay in a supermarket or anywhere else. Just give them the card and say ‘put 1.23$ on this one please, and the rest I pay cash‘ or whatever. They might be annoyed when you have really many, but you can use up one every time you shop easily. For some cards, you do not even have to know the remaining amount, just say use it up. Note that supermarkets are preferable because they are typically used to that, and know how to handle it.


So if you manage to save enough to have a $40k/year source of income, you would want to tax it heavily so they are forced into poverty for the rest of their retirement life?  I'd rather we just let people help themselves and not tax them into a bad spot so that we can help people