Short-term, the game is supply/demand and how the various participants react to it at various prices. On longer term, prices start to better reflect the fundamentals. Within something like week to some month or two, if there has not been any unique value affecting news, then interest, options, market maker(s), swing traders and such play bigger part. With intraday, the effects of available liquidity become very pronounced. The market makers have algos that try to guess what type of client they have and they prefer to give high price to large buyer and low price to small buyer. As intraday trader has spreads and commissions big part of their expenses and leverage magnifies those, instead of being able to take advantage of the lower prices, they prefer to stop out after small move against them. In practise this means that when they buy low, that low will soon be the midpoint of the day and tomorrows high etc if they are still holding on. Buy and sell are similar to long call or long put options position. And options are like insurance, they cost you. Also the longer the position is held the more likely it is to end up with someone with ability to test your margin if you're highly leveraged and constantly making your wins from the same source.  Risk management is also issue. The leveraged pros trade through a company. Not sure if they're able to open another such company and still open accounts after the inevitable.


Real estate is never a low-risk investment. I'd keep your money in the bank, and make sure that you don't have more in any one bank than is guaranteed in the event of bank failure. If your bank account is in Greece, Italy, Spain, Portugal or Ireland, I'd consider moving it to Eurozone country that's in better shape, as there's just a slight possibility of one or more of those countries exiting the Eurozone in a disorderly fashion and forcibly converting bank accounts to a new and weak currency.


"First, congratulations on the paycheck!  :-) On the holds: Is it possible that by allowing your account balance to go negative (into overdraft) that you triggered such treatment of your account?  Perhaps the bank is being more cautious with your account since that happened.  Just how long did you have their $150 on hold?  ;-) Or, perhaps it's not you specifically but the bank is being more cautious due to credit conditions that have been prevalent these last years.  Consider: allowing you to cash a check immediately – when it technically hasn't cleared yet – is a form of credit.  Maybe it isn't you they don't trust well enough yet, but the company that issued the check?  Checks bounce, and not by fault of the depositor. I once had a new account, years ago, and discovered a 5 day hold on deposits.  The irony was it was a check drawn on the same bank!  I called my banker and asked about it – and suggested I'd take my business back to my old bank.  I was in the process of applying for a mortgage with the new bank.  Holds were removed. But you may have some trouble with the ""I'll walk"" technique given the climate and your recent overdraft situation and no leverage – or if you do have some leverage, consider using it. But before you assume anything, I would, as JohnFx suggested, ask your bank about it.  Pay your branch a visit in person and talk to the manager.  Phone calls to customer service may be less successful.  If it's not a big issue and more a minor technical policy one, the bank may remove the holds.  If they won't, the manager ought to tell you why, and what you can do to solve it eventually."


I stopped paying that $1000/year charge for cable seven years ago. Today I watch about an hour of television a week. Some weeks I will watch one sports game. Meanwhile I've been able to spend on the order of $10,000 for healthier, more productive activities. I've noticed that people don't talk about what they watched on television much anymore, so I'm not missing out on social interactions.


No ETN or ETF yet. There are beta funds, that aim to track the market.  What's really needed is a liquid market for cat risk trading/transfer, enabling users to buy protection, or take the other side.  You can write cat swaps, so derivative forms, including ILW's or with parametric triggers. But these aren't liquid at all yet.  Cat bonds are most liquid, but it dries up pretty quickly when events threaten as there's no true hedging market yet.


Do you use any other online features of Quicken?  How many unique ticker symbols do you have?  How often do you really need to update the prices?  You can always continue to use Quicken, and enter the stock prices by hand. Maybe update them once a month to get an idea of how your investments are doing. That should work indefinitely.


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Flame broiled, put in a plastic tin, and then tossed into a microwave to warm up when ready to serve.  Watch them make your burger next time if you can.  Seeing the sausage being made turned me off of BK burgers for a long while.


I'm a long way from an expert on this, but it seems to me you can loan your fiance enough money to pay off her loans, and that incurs no tax penalty. When you are married you can write off the loan without a tax penalty since she is your spouse. I would expect that you can reclassify a gift as a loan for a tax year you haven't yet filed for - or she can give you the money back and you immediately make her a loan for the same amount. As the comments and this question would indicate, a loan at below an approved rate would be considered a gift. However you do appear to be able to loan her the money at an approved rate, and gift her the interest payments, which should be less than the gift tax limit. You would need to write up a loan document. Once you are married you should be able to make another gift to pay off the loan.


The big websites, Yahoo and the like, only give the 10 biggest positions of any fund. Download the annual report of the fund, go to page 18, you will find the positions on the 31st of December.  However the actual positions could be different. The same applies to all funds. You need the annual report.


That interest rate (13%) is steep, and the balloon payment will have him paying more interest longer. Investing the difference is a risky proposition because past performance of an investment is no guarantee of future performance. Is taking that risk worth netting 2%? Not for me, but you must answer that last question for yourself. To your edit: How disruptive would losing the car and/or getting negative marks on your credit be? If you can quantify that in dollars then you have your answer.


For example, if the Dow, S&P 500, NASDAQ are all down does that necessarily mean the Canadian stock will get negatively impacted? Or is it primarily impacted by the Canadian market? The TWMJF stock makes up a very small part of the Canadian market so it affects the overall market, but this doesn't mean that the overall market affects this stock. So then the answer is: no, the TWMJF stock price will not necessarily follow either US or Canadian market indexes.  However, there can be major events which can affect the markets, including the stocks which make up the markets. TWMJF will probably be more sensitive to Canadian events than US events.


What prevents a company from doing secondary public stock offerings on regular basis? The primary goal of a company doing secondary public offering is to raise more funds, that can be utilized for funding the business. If no funding is needed [i.e. company has sufficient funds, or no expansion plans], this funding creates a drag and existing shareholder including promoters loose value. For example with the current 100 invested, the company is able to generate say 125 [25 as profit]. If additional 100 is taken as secondary public offering, then with 200, the company should mark around 250, else it looses value. So if the company took additional 100 and did not / is not able to deploy in market, on 200 they still make 25 as profit, its bad. There are other reasons, i.e. to fight off hostile acquisition or dilute some of promoters shares etc. Thus the reasons for company to do a secondary PO are few and doing it often reduces the value for primary share holders as well as minority share holders.


"Ok. You also had a wife/girlfriend. What about the single parents? I guess in your eyes if they can't juggle raising a child, holding down their full time job, taking public transportation, and going to school full time, they're just not working hard enough. Or clearly not as hard as you did.   Sorry man. No. I guess we just disagree, but many people really are just in a position where they are unable to better their lives. Simply saying, ""this is important to me"", sadly, is not always enough to ""make it work""."


"Not to detract from the other answers at all (which are each excellent and useful in their own right), but here's my interpretation of the ideas: Equity is the answer to the question ""Where is the value of the company coming from?""  This might include owner stakes, shareholder stock investments, or outside investments.  In the current moment, it can also be defined as ""Equity = X + Current Income - Current Expenses"" (I'll come back to X). This fits into the standard accounting model of ""Assets - Liabilities = Value (Equity)"", where Assets includes not only bank accounts, but also warehouse inventory, raw materials, etc.; Liabilities are debts, loans, shortfalls in inventory, etc.  Both are abstract categories, whereas Income and Expense are hard dollar amounts.  At the end of the year when the books balance, they should all equal out. Equity up until this point has been an abstract concept, and it's not an account in the traditional (gnucash) sense.  However, it's common practice for businesses to close the books once a year, and to consolidate outstanding balances.  When this happens, Equity ceases to be abstract and becomes a hard value: ""How much is the company worth at this moment?"", which has a definite, numeric value. When the books are opened fresh for a new business year, the Current Income and Current Expense amounts are zeroed out.  In this situation, in order for the big equation to equal out: Assets - Liabilities = X + Income - Expeneses the previous net value of the company must be accounted for.  This is where X comes in, the starting (previous year's) equity.  This allows the Assets and Liabilities to be non-zero, while the (current) Income and Expenses are both still zeroed out.  The account which represents X in gnucash is called ""Equity"", and encompasses not only initial investments, but also the net increase & decreases from previous years.  While the name would more accurately be called ""Starting Equity"", the only problem caused by the naming convention is the confusion of the concept Equity (X + Income - Expenses) with the account X, named ""Equity""."


Thank you for the input. I was more interested in a MBA so I was wondering how it would fair in the finance world? Also I was wondering what you meant by it has little practical application in business but it is the best major to acquire well rounded skills in that area? Do you mean it's good but at the same time it's not?


And I don't blame them for doing so. They get bonuses based on the bottom line and stock price, why not pump it as much as they can then when it starts to fall apart just go to another overpaid CEO position with another company start again, meanwhile someone else is more than willing to take the current overpaid CEO job and try to rescue/rebuild. Nowadays most CEO's didn't start the company they are at so they don't feel as attached as they should. Knowing this the only thing we can do make ourselves invaluable to the company so they have to give you more or go someplace that will.


No fees: Write a check. Deposit it into the other bank.


While I am not an advocate of shorting anything (unlimited downside, capped upside), you can:


It's kinda scary.  Ma Bell was broken up and now we might end up with it again -- but this time with cable companies in the mix too.  Given the current regulatory environment, that merger will probably happen.  Doesn't bode well for us consumers.


Have you not noticed how the price of things like milk and beef in the grocery stores have been going up? And for a lot of other things, if the price has not overtly risen, the portion/package size has gotten smaller while the price has remained the same. Maybe somebody else does the food shopping in your family so you are just oblivious to it...but trust me...food has been getting more expensive for a while now.


No doubt, that today the wide range of anti-aging products is available as all people wants to keep their skin free from all the signs of aging. But, among all the products, Gerovital has gain more popularity because of the results it has been given to the people.


The best way to determine how much it will cost you is to call the insurance companies to get a quote from them for all the vehicles that you are planning on purchasing.  They will have a set amount depending on the year/make/model of the car combined with all your personal details like where you live, age, sex, occupation.  There are many online sites where you an get quotes as well, though talking with a rep may be the better option since you have a lot of questions.  If you are still living with your parents, you may be able to get a cheaper rate with that company as you might qualify for a multi-vehicle discount or combined property/vehicle insurance with them.  You might also be able to get a better rate since you were probably insured as a secondary driver with that company for several years. The cost of your auto insurance will depend also on what type of premium you choose.  For instance, it will be cheaper if you opt to only purchase 3rd party liability insurance (which only covers the cost of repairing the 3rd party's vehicle - ie the person you hit).  You may also get discounts for having certain (optional) safety equipment/options - like snow tires.   You will need to have your insurance purchased and sorted out before you are able to drive your car out of the dealership.   For a male with ~10 years driving experience and a clean record.  You could probably find something good for about $120 a month.  Of course, this depends on the many factors listed above.


Indian PF is a social security scheme, and as per the US India DTAA Article 20, is not taxable by the US. The exact text says as under -  This clearly states that any social security benefit paid by any of the two contracting states to a resident of the other contracting state is taxable only in the first mentioned state. In other words, US cannot tax Indian social security benefits (and vice versa). Therefore, you are liable for taxes only in India even though you have to declare to the US that you were given the social security (PF) benefit by India.


Well they do have incentive, the more volume you trade the more they make in commission. The shop is mostly daytrading oriented but you can do whatever you want. From what I gather, alot of their revenue comes in the form of training programs (although they offer one for free when you sign up, mostly in equities) which are completely optional. Also, they're willing to sponsor me for my 7, which is good. I mean this is a super risky career move but you roll the dice when you enter prop trading, in more ways than one.


"> I just recently found out that you guys had pledge of allegiance every fucking day in school.   :) Yeah.  In fairness, they can't actually force you to say it, and I don't think most schools say it any longer.  I remember saying it when I was in kindergarten.  But when I transferred back to public school in the 4th grade, they no longer said it.  In retrospect, that's a hell of a commitment to expect from a 6 year old, ""I pledge allegiance to the flag of the United States of America...""  Fuck that."


I have no idea what you're talking about, but for context, Amazon employee badges are blue. The point is that as far as employment status is concerned they're more or less on par with corporate.  (There are lots of caveats to the above statement but the general case holds.)


As far as taxes are concerned, if your income is €10 to €20 a month, the Finanzamt doesn't even want to hear from you. To be on the safe side, give them a call and you will probably be told that there is a minimum amount, and if your revenue is below that you don't have to do anything.   As far as VAT (MwSt) is concerned: You can only deduct it from VAT that you would have to pay to the government. If you are supposed to pay €100 VAT to the government, you can deduct up to €100 VAT paid to suppliers. If you don't pay VAT, you can't deduct it.


We're on the Business subreddit here, right? Just checking, because most of the comments are against Netflix & Weed.  From a business standpoint, both the show and this new wave of Netflix inspired strains is genius marketing - going with a successful new niche/sector is always a smart move.  Am I missing something?


I'm proud to say I'm a foreclosure defense attorney. I give these banks one hell of a hard time on behalf of my clients.   I was shocked how outrageous the abuses were when I first started. The headlines don't seem real until you start digging through actual paperwork and interviewing clients.


You just take some of that change and use it when paying in cash. When you run out of change in your purse/pockets - take more. It just takes some time and absolutely no effort.


"This is the best tl;dr I could make, [original](http://www.politico.com/interactives/2017/senate-gop-health-care-bill-rich-americans/) reduced by 72%. (I'm a bot) ***** > The latest Congressional Budget Office analysis of the Senate&#039;s revised health care bill won&#039;t be available until next week, but the overarching trend of the three GOP plans analyzed so far is clear - more Americans will be uninsured and the majority of them will be poor.  > Researchers analyzed the uninsured rate by state and found states that experienced the largest coverage gains under the Affordable Care Act would now report the largest increases in their uninsured population.  > That means states like West Virginia will essentially lose all the coverage it gained under the ACA. Proposed cuts to Medicaid will leave millions of low-income Americans without health insurance Under the Senate health bill, federal funding for Medicaid would largely dry up, leaving states struggling to make up the difference.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6nfw8g/richest_americans_gain_the_most_from_the_senates/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~167398 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*: **state**^#1 **Medicaid**^#2 **uninsured**^#3 **bill**^#4 **under**^#5"


If you don’t want your high-end rest house to just sit around for most of the year, only to be used during one of your rare, out-of-town family vacations, you might as well earn a profit out of it by turning it into a guesthouse.


"Tax cost basis is the amounts you've spent on developing the product which you hasn't deducted yet from previous income. From what you've described, it sounds like your cost basis is $0. Time you spent is not your cost, since time is not money. The fact that you might have earned something if working at that time but you didn't - is irrelevant, because potential income that you didn't get is not a loss that you took. Someone mentioned ""intangibles"" in the comments - that would be the line of thought of the buyer. However, since you didn't buy the product but rather developed it, you can only deduct the actual expenses you've incurred, that you haven't deducted so far."


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Admittedly I was starting to form a similar opinion as lazerpants. It seems like the sales team spends most of their time going drinking and golfing with customers or potential customers. I am sure there must be more to it than that, but their conversations would also suggest that their job performance is largely about who they know and less about real talent. It could be just what I hear, though. Maybe they don't like to showcase their talents.  I have no complaints about my job, company environment, management, salary, etc.


I've found the systems that seem to work. Firstly, you need to find how much money is required to pay for the withdrawals after retirement, while still accruing interest.  I couldn't seem to do this with an equation, but this bit of javascript worked: yearsToLast: Number of years of yearly withdrawals yearlyWithdrawal: Amount to withdraw each year interest: Decimal form of yearly compounding interest Now that we have how much is required at the beginning of the retirement, to figure out how much to add yearly to hit this mark, you'd use: amount: Previously found required amount to reach interest: Decimal form of yearly compounding interest yearsSaving: Number of years saving till amount needs to be hit I hope this helps some other poor soul, because I could find squat on how to do this. Max


From my experience, I opened a business account to handle my LLC which owns a rental property. The account process and features were similar to shopping for a personal checking account.  There would be fees for falling below a minimum balance, and for wanting a paper statement. In my case, keeping $2000 avoids the fee, and I pull the statements online and save the PDFs. Once open for a certain amount of time, you might be able to get credit extended based on the money that flows through that account. The online access is similar to my personal checking, as is the sending of payments electronically.


"This is the best tl;dr I could make, [original](https://www.cnbc.com/2017/10/24/petro-yuan-china-wants-to-dethrone-dollar-rmb-denominated-oil-contracts.html) reduced by 78%. (I'm a bot) ***** > The new strategy is to enlist the energy markets&#039; help: Beijing may introduce a new way to price oil in coming months - but unlike the contracts based on the U.S. dollar that currently dominate global markets, this benchmark would use China&#039;s own currency.  > China is the world&#039;s top oil importer, and so Beijing sees it as only logical that its own currency should price the global economy&#039;s most important commodity.  > Beijing faces skeptical global oil markets and global perceptions it exerts too much state control.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/78jgzk/china_has_grand_ambitions_to_dethrone_the_dollar/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~234455 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*: **oil**^#1 **global**^#2 **dollar**^#3 **price**^#4 **market**^#5"


My approach won't work for everyone, but I keep a longer list of things I want in my head, preferably including higher value items.  I then look at the cost of an item vs the amount of benefit it gets me (either enjoyment or ability to make more money or both).  If I only had a few things I wanted, it would be easy to buy them even if the payback wasn't that great, but because I have a large list of things I'd like to be able to do, it's easier to play the comparison game in my head. Do I want this $50 thing now that will only give me a little bit of enjoyment and no income, or would I rather be able to get that $3000 digital cinema camera that I would enjoy having and could work on projects with and actually make money off of? (This is a RL example that I actually just bought last week after making sure I had solid leads on enough projects to pay myself back over time.)  For me, it is much easier to compare with an alternative thing I'd enjoy, particularly since I enjoy hobbies that can pay for themselves, which is really the situation this strategy works best in. It might not work for everyone, but hobbies that pay for themselves can take many different forms.  Mine tends to be very direct (get A/V tool, do projects that pay money), but it can also be indirect (get sports stuff, save on gym membership over time).  If you can get things onto your list that can save you money in the long run, then this strategy can work pretty well, if not, you'll still have the overall saving problem, just with a longer wish list. That said, if you are good about saving already and simply want to make better use of your disposable income, then having a longer list may also work to let you seek out better deals for you.  If you have funds that you know you can healthily spend on enjoyment, it is going to be difficult to choose nothing over something that gives enjoyment, even if it isn't a great return on the money.  If you have alternatives that would give you better value, then it's easier to avoid the low value option.


Wikipedia has a fairly detailed explanation of ETFs.  http://en.wikipedia.org/wiki/Exchange-traded_fund


i'm down on Water street a few weeks ago and i got a really random craving for a big mac, first time in a very long time. i put mcdonalds in my phone to find the closest one, and i was stunned to see there wasn't one in the area. crazy stuff.


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Being able to make small investments in very valuable real estate could make this a game changer. I want to invest in a skyscraper in the UAE, but I only have $10k. I can just use REAL tokens to buy a percentage of that property. At least, that's the way I understand this to work.


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The point of insurance is to trade high variable costs for much lower fixed costs. The question isn't whether you can afford what would be a catastrophic event for anyone else, but whether it would be better to pay a small amount regularly vs. a possibly larger amount occasionally. One of the reasons to buy insurance is to avoid costly litigation (rich people are more frequently targeted for litigation). By purchasing liability insurance, the insurance company pays for the litigation and/or settlement. If you are wealthy enough to keep an experienced litigation firm on retainer, you may not need that benefit, but it might be worth giving that stress to a third party. Life insurance is also an important part of estate planning because of the tax treatment of insurance payouts compared to the tax treatment of a large estate. There are certainly classes of insurance that make less sense for those with great cash flow, but money doesn't obviate all the benefits of insurance.


Looks like you mostly have it right, a few comments on your points.


Kind of crazy to discontinue a rate so soon without having a replacement identified but i, for one, think some market based alternative is a definitely a good thing. The LIBOR scandal further damaged the public view of the banking profession, and rightly so


"This simulation game uses actual historical S&P 500 data to test whether you can ""time the market."" You start with $10,000 invested, and it plays back 10 years of index values, in which time you can choose to sell (once), and if you do sell you can subsequently buy (once). Then you find out how you did relative to just holding what you started with.  If you play it enough times, you might eventually beat it once. I never did."


It is probably hard to give much credit to the short 2 year reaction. The first business reaction is to protect and maintain profits. In a longer term, this may not be sustainable and some profits, ideally, will have to be forgone to give workers a descent wage as the hike intends.


It's about how volatile the instrument is. Brokers are concerned not about you but about potential lawsuits stemming from their perceived inadequate risk management - letting you trade extremely volatile stocks with high leverage.  On top of that they run the risk of losing money in scenarios where a trader shorts a stock with all of the funds, the company rises 100% or more by the next day, in which case the trader owes money to the broker. If you look in detail you'll see that many of the companies with high margin requirements are extremely volatile pharmaceutical companies which depend heavily of FDA approvals.


Mr. Raphael Lilla acts as the Executive Director of SBC Group AG Bouchs (Switzerland). With an experience of over 20 years in the Swiss and International financial markets, Mr. Lilla has successfully been honoured with a role of a member at the International Society of Business Leaders.


why not ask a fee only financial adviser? Contact a local adviser and ask how much they will charge to work through the process.  The options aren't as complex as they seem. The general idea is to first figure out what you can afford each month. This is a generally straight forward calculation.  Then figure out the costs that are specific to your area, e.g property taxes.  Figure out how much of a down payment /closing costs you can gather.  Then start with your local bank or credit union. The number of options for mortgages will not be as complex if you already know how much you can afford and how much cash you can bring to the transaction. A simple table can be easily created based on what you can afford each month, how much cash you have, and the rates currently available. The bank will have a way to estimate the costs of each option as part of the required disclosures. Another source of good info can be a highly regarded local real estate agent. Focus on one that will represent you as a purchaser. They want you to be able to buy a house. While they do have a bias, they want a commission, most of it is eliminated if you know how much you can afford before you meet with them. They will know all the government programs that can make the monthly costs or closing costs cheaper.


"That's true.  But you post a picture of a kitten to Google, and 99.99% of the time Google will identify it as a kitten.  You'll never reach 100%.  That's why it's an ignorant argument.  No model is 100% accurate.  No one argues that.  But when people say ""correlation doesn't imply causation"" they are really just saying ""no model is 100% accurate"".  And any idiot could say that."


"You can start investing with any amount. You can use the ShareBuilder account to purchase ""partial"" stocks through their automatic investment plan. Usually brokers don't sell parts of stock, and ShareBuilder is the only one allowing it IMHO using its own tricks. What they do basically is buy a stock and then divide it internally among several investors who bought it, while each of the investors doesn't really own it directly. That's perfect for investing small amounts and making first steps in investing."


I'm not supporting either one of these representatives of money and power.  They basically represent two sections of the ultra-wealthy who have opposing viewpoints on how fast to screw over working people and to lower our standard of living.  Obama thinks it should be done slower than Romney, but ultimately agrees.  See what happens when we pass over the fiscal cliff.  It's gonna be shared sacrifice time, and by shared they'll mean its time for our social services to go bye bye just at the time when the wealthy are better off than ever and the corporations are sitting on $2T in cash and not using it to hire.


"To be fair, this isn't just marijuana. Heroin and meth are big problems some places. For example, oil workers in remote areas have a tendency to have meth issues. That's a big problem.  The other issue is that with drugs like marijuana, it can be difficult to tell if someone is high. Yes, marijuana is basically on the same level as alcohol, but it's easier to tell when someone is drunk vs when they are high (if they're covering up odor). In factory or field jobs, being able to tell someone is drunk or high is important. If you can tell someone is drunk, you send them home. If you can't tell that Mike went and got stoned because he doesn't smell like it, doesn't have red eyes, etc., he can still kill someone because his performance is affected. It's not as simple as ""marijuana is on the same level as alcohol"" because yeah that's true, but there are differences and those differences can lead to expensive and problematic workplace injuries.   Those ""antiquated CEOs"" are probably right on this one. It's not as simple as you make it out."


"The effect of making a single purchase, of size and timing described, would not cause market disequilibrium, it would only hurt you (and your P&L). As @littleadv said, you would be unlikely to get your order filled.  You asked about making a ""sudden"" purchase. Let's say you placed the order and were willing to accept a series of partial fills e.g. in 5,000 or 10,000 share increments at a time, over a period of hours. This would be a more moderate approach. Even spread out over the span of a day, this remains unwise.  A better approach would be to buy small lots over the course of a week or month. But your transaction fees would increase. Investors make money in pink sheets and penny stocks due to increases in share price of 100% (on the low end), with a relatively small number of shares. It isn't feasible to earn speculator profits by purchasing huge blocks (relative to number of shares outstanding) of stock priced < $1.00 USD and profit from merely 25%  price increases on large volume."


There is no requirement to open a company. You can work as freelancer. You need to report income and file returns. If your income is more than exempt limit, pay taxes. Apply for a PAN number if you don't have one yet.


To me, having a business with interests around the globe doesn't necessarily make you ideologically a globalist.    There's a big difference between having created a company with global interests in other countries and enacting globalist policies through legislature. Owning a hotel in Mexico and pushing for open borders are two separate things.


Whomever made the decision to ditch Google Maps for Apple Maps should be canned. There's no way Apple could catch up to Google in its maps product this quickly. My feeling is someone high up made the call as a result of the grudge forming against Google.


Our company provides the different types of online services, such as flights booking, hotels booking,  tours and travel booking. If you want to go Sydney for your next vacation with your family, then you can book your next tour and Hotels in Sydney at our company website. In the Sydney, Shorelines are a famous draw, including any semblance of Bondi Beach. Bondi's Campbell Parade is a bustling region both day and night, and shops, bistros, and bars line the beachfront.


One significant reason it makes sense for filing to be the default is home ownership rates.  I think far more so than investment income, Americans own homes: as there is a significant mortgage interest deduction, between that and investments a large number of Americans would have to file (about a third of Americans get the mortgage interest tax deduction, and a large chunk of the richest don't qualify but would have to file for investments anyway). We also have a very complicated tax code, with nearly everyone getting some kind of deduction.  Earned Income Tax Credit for the working poor (folks making, say, $30k for a family of 4 with a full-time job get several thousand dollars in refundable credits, for example), the Student Loan interest deduction, the above mortgage deduction, almost everyone gets something. Finally, your employer may not know about your family situation.  As we have tax credits and deductions for families based on number of children, for example, it's possible your employer doesn't know about those (if you don't get health insurance on their behalf, they may well not know).  Start reporting things like that separately... and you end up with about as much work as filing is now.


Pull another Cabrini-Green. Except for the second most populated city, with the poorest people, in Lake county. I live in the county and my taxes are 50% higher fore property when compared to the neighboring counties. The problem is real.   It has the largest rail line in the world. Lake Michigan lake front is for Steel. You cannot take away more of it to give to another corporation.  80/94 is constantly under construction. Amazon doesn't want Gary. That laughable. The would rather go to Indianapolis. Land, highway, airport, rail. All these things could support it.  Until the riff-raff is moved out don't consider Gary for anything.


"> Obamcare better.  If you've spent 8 years telling people the ACA was [""the worst thing since slavery""](https://www.washingtonpost.com/news/post-politics/wp/2013/10/11/ben-carson-obamacare-worst-thing-since-slavery/?utm_term=.ec9803ccef47), you can't *now* turn around and say ""yeah we can work with this"".   Painted themselves in a corner."


"Check the transactions costs, ""Desk fees"" and the whole structure, sit down with them and list everything.  Then make a spreadsheet and calculate all the stuff they hit you with and figure out how good you have to be in trading to make money, (in terms of accuracy and p/l)."


I mean, yeah, that is true. Your point is a valid concern and I do think it could potentially reduce the number of EU students studying in the U.K. It is something the British need to keep an eye on over the next decade.  But think about it ... to go to the US to study as a European, you need a student visa as well and our influx of foreign students coming to study in America continues to grow. You need a student visa to go pretty much anywhere in the world besides the 28 EU countries.   I think the main factor is having a strong university network as a nation and the U.K. definitely has that. They had it before the EU was even created. As long as the U.K. has that strong education foundation, people will continue to study there. Not to mention, students go for the added benefit of improving their English skills.  https://www.google.com/amp/www.pewresearch.org/fact-tank/2013/11/12/record-number-of-international-students-studying-in-u-s/%3famp=1


"Depending on what your other deductions are and the amount you are wanting to donate, you can save some money by ""batching"" deductions into every other year. For example, if you are single in 2015, the standard deduction is $6,300. This means the first $6,300 in deductions you have basically don't ""matter"" because the standard deduction is larger. You only ""count"" itemized deductions greater than $6,300. Let's imagine you are donating $10k in 2015 and 2016 and have no other itemized deductions. If you donate in both years, you basically get a net deduction of ($10,000 - $6,300) * 2 = $7,400 over the standard deduction. However, if you donate $10k in 2015 and the next $10k on Dec31, 2015, then you now have donated $20k in 2015 and $0k in 2016. This affects your taxes because you now get ($20,000 - $6,300) = $13,700 in ""bonus"" deductions. You still get the full $6,300 standard deduction in 2016 as well. This can be a significant impact on your taxes (especially if you are married as the married deduction is double the single or have minimal other itemizable deductions).."


">Source: I'm a state tax auditor, and my job is to make sure corporations pay what they are supposed to.  Most of the American public believes that the bulk of taxes are federal income taxes. That's what they fixate on when evaluating the ""fairness"" of taxation.   The fact remains that the very wealthy and very large corporations are structured so that they don't pay that particular type of tax. That's why Mitt Romney's tax returns are being squinted at. Mitt pays capital gains tax, not income tax and tripling the tax rate on the upper-most tax bracket wouldn't really affect him.  You know this. I know this. But most people don't and few people are interested in learning how it works.  If you want to ""tax the rich"" just create a progressive scale for capital gains instead of a flat 15%."


Odd, I've been Platinum Exec for a year and regular Platinum for 2 and I have not had any of these delays everyone is talking about. I usually fly Denver to DFW to where ever (south america or europe). I fly at least 8 legs per month if not more.  Maybe I'm just lucky and I jinxed myself.


"They most likely decided that you weren't worth the time to respond to, so don't expect a response. Also, remember that receiving no response is the same as them answering you and saying ""No.""  Anyone with any amount of influence tends to have a lot of people vying for said influence. They don't have time to respond to every Jane, Dick, and Harry who contacts them. If the offer doesn't sound good on the first pass, the deal is lost.  Your best bet is to go with a Plan B that doesn't involve them."


The story says this property ranked near the bottom among NJ casinos for money won from gamblers.  It's not just poor financial planning that caused this place's failure. Operationally, it was poorly managed as well considering it's excellent location.


You can open an account at Scotiabank and use a Bank of America atm (and vice versa). No ATM or bank imposed foreign transaction fee (outside the 1% network imposed fee)


">But there's no proof that it's a distinguishing factor or dispositive.  Correlation doesn't equal causation, etc.  Where absolute proof is not possible, rational people make determinations on the basis of where the preponderant weight of evidence falls.  In this case, while there is no ""proof,"" the evidence overwhelmingly indicates that given similar intelligence and drive, two otherwise virtually identical people will almost always end up in entirely different circumstances based on a set of random variables that can best be described as luck.  Was one born the son of a factory worker while the other was born the son of a corporate CEO?  If so, that's a matter of luck, and you cannot deny for an instant that one's father has a huge influence on what one becomes later in life.    Your entire premise is based on a flawed understanding of the matters under consideration."


Th corruption was when they created it then wHen they maintained and managed it ever since. It was a scam from the start and by allowing it to continue served the corrupt incestuous elements of governmental activities. There are so many other such activities in municipal corruption administration.


You act like these corporations don't have thousands lawyers and tax experts that are attorneys working for them finding every loophole and exploiting them and writing the laws that congress passes. Who do you think does the dirty work and finds the legal ways for these companies to operate with only the goal of profits in mind?


"Answering a more general question:  are financial services firms worth the money?  It really depends on the person.  Some can contribute regularly to index funds, and do the asset allocation on their own.  They are comfortable buying and selling various funds and there is really not that much management to do a Bogle like ""3 fund portfolio"".  All that is needed is an occasional re-balance.  This person probably does not need a firm like UBS or many of the others out there. Some do some active picking of funds and stocks, and also some indexing.  Again they are comfortable in doing the right thing and probably don't need a manager. There are others, however, that need a manager.  A friend of mine pulled all of his money out of the market when Trump was elected.  He missed out on some nice growth.  The extra percentage point that he paid to have an adviser would have been well worth it. For people who get spooked easily by the market and need things explained over and over, an advisory service is great.  My mom falls in that category.  I thank God every day for her service as she would otherwise call me with the same investment questions every other quarter."


"Welcome to the 'what should otherwise be a simple choice turns into a huge analysis' debate. If the choice were actually simple, we've have one 'golden answer' here and close others as duplicate. But, new questions continue to bring up different scenarios that impact the choice.  4 years ago, I wrote an article in which I discussed The Density of Your IRA. In that article, I acknowledge that, with no other tax favored savings, you can pack more value into the Roth.  In hindsight, I failed to add some key points. First, let's go back to what I'd describe as my main thesis: A retired couple hits the top of the 15% bracket with an income of   $96,700. (I include just the standard deduction and exemptions.) The   tax on this gross sum is $10,452.50 for an 'average' rate of 10.8%. The tax, paid or avoided, upon deposit, is one's marginal rate. But,   at retirement, the withdrawals first go through the zero bracket (i.e.   the STD deduction and exemptions), then 10%, then 15%. The above is the simplest snapshot. I am retired, and our return this year included Sch A, itemized deductions. Property tax, mort interest, insurance, donations added up fast, and from a gross income (IRA withdrawal) well into the 25% bracket, the effective/average rate was reported as 7.3%. If we had saved in Roth accounts, it would have been subject to 25%.  I'd suggest that it's this phenomenon, the ""save at marginal 25%, but withdraw at average sub-11%"" effect that account for much of the resulting tax savings that the IRA provides.  The way you are asking this, you've been focusing on one aspect, I believe. The 'density' issue. That assumes the investor has no 401(k) option. If I were building a spreadsheet to address this, I'd be sure to consider the fact that in a taxable account, long term gains are taxed at 15% for higher earners (I take the liberty to ignore  that wealthier taxpayers will pay a maximum 20% tax on long-term capital gains. This higher rate applies when your adjusted gross income falls into the top 39.6% tax bracket.) And those in the 10 or 15% bracket pay 0%. With median household income at $56K in 2016, and the 15% bracket top at $76K, this suggests that most people (gov data shows $75K is 80th percentile) have an effective unlimited Roth. So long as they invest in a way that avoids short term gains, they can rebalance often enough to realize LT gains and pay zero tax.  It's likely the $80K+ earner does have access to a 401(k) or other higher deposit account. If they don't, I'd still favor pretax IRAs, with $11K for the couple still 10% or so of their earnings. It would be a shame to lose that zero bracket of that first $20K withdrawal at retirement. Again working backwards, the $78K withdrawal would take nearly $2M in pretax savings to generate. All in today's dollars."


"> I think people should prevent themselves from being homeless by developing skills to work.  You are right, of course. Let me try to rephrase my question.  If someone's problem is that they don't have the skills to work and you put pressure on them, is it not more likely that they will try to resolve the pressure quickly with the skills they have rather than endure the pressure while learning a new skill?  For example, if someone is too unreliable to get a job and you tie his next meal to getting and keeping a job, isn't that person much more likely to start stealing food rather than learning to be reliable while being hungry?  > Do you think it's moral to steal from someone who worked hard/smart and give it to someone who didn't and is now homeless?  I object to the word ""steal"". The bottom line is that some of the hard/smart worker's money is going to go handling the homeless person whether it be feeding him or hiring police to handle the crimes he commits."


I understand that. How about this then: charity begins at home. His warehouses have many faults, including lack of drinking water and people being penalised when they are ill. It's good that he'll give some of his fortune away to charity, absolutely. At the same time it's also bad that this money was earned at the expense of his employees welfare at a business that he runs and he has the power to improve.   People are being a bit too literal in this thread.


In places like the midwest city where I live, this is false, the cost of living is low.  I pay 340 a month, have a yard, kitchen, own bathroom, jam room, bedroom, own shower, great neighborhood downtown etc.  When I started out, I made minimum wage and lived with roommates in the same nice neighborhood.   This is just false.


Apple's specialty is UX.  It's an incredibly talented UX company, both software and hardware wise.  It's also talented at convincing it's fanbase that anything they release is required to live.  Apple fanboys would buy a car just to get the Apple logo somewhere on it.


You are implicitly making that assumption. It doesn't matter if the rich are taking and increasingly large percentage of the pie, as long as the size of the pie is growing fast enough that the absolute wealth of the poor is rising at a reasonable rate over time.  The correct and reasonable measure is to compare the wealth of the poor, today with the wealth of the poor in the past in terms of real buying power.  I understand what you're saying and I disagree with your analysis. I disagree that relative proportions have any meaningful impact of human well being.


"Many people who do transfer a balance from one credit card to another have no clue as to what is going on and how credit cards work. If you transfer a balance from one credit card to another, you are charged a fee of anywhere from 3% upwards (subject to a minimum of $10 or so) up front. If Credit Card A has balance $1000 and you transfer it to Credit Card B which is offering no interest for a year on the transferred balance, you owe Credit Card B $1050 (say). In most cases, that $50 has to be paid off as part of the following month's bill. If you are carrying a revolving balance on Credit Card B, that $50 will typically be charged interest from the day of the transfer. Your monthly bill will not (necessarily) include that $1000  you owe for one year or six months or whatever the transfer agreement you accepted says. If you tend to pay anything less (even a penny) than  full payment of each month's bill on Credit Card B, your partial payment will be applied to that $1000 first, and anything left over will be applied to the monthly balance. In short, if you don't pay in full each month, that $1000 will not be ""yours"" for a year; you may end up paying $50 interest for  borrowing $1000 for just one or two months, and the rest of your balance is the gift that keeps on giving as the credit card company likes to say. UPDATE: This has changed slightly in the United States. Any amount paid over the minimum amount due is charged to the higher-interest balances. So in this case, if you had $1000 at a 0% promotional rate and a regular balance of $500, and the minimum payment was $100, and you paid $150, $100 would pay down the promotional balance, and the extra $50 would pay down the regular balance.  About the only way to make the deal work in your favor is to Transfer money only if you have paid the full amount due   on the last two statements before the date of the transfer and are   not carrying a revolving balance. Check your monthly statements   to make sure they show Finance Charge of 0.00.  Many people have   never seen such a sight and are unaware that this can be observed   in nature. Make sure that you pay each month's bill in full (not   the minimum monthly payment due) each month for a whole year   after that. Make sure that the bill containing that $1000 (coming out a   year after the transfer date) is also paid in full. Very many credit-card users do not have the financial discipline to go through with this program.  That is why credit card companies love to push transfer balances on consumers: the whole thing is a cash cow for them where they in effect get to charge usurious rates of interest without running afoul of the law. $50 interest for a one-year loan of $1000 is pretty high at current rates; $50 interest for a two or three month loan where the customer does not even notice the screwing he is getting is called laughing all the way to the bank. See also the answers to  this question"


Term insurance is definitely expensive at 60 but so is permanent insurance.  Let's think about why people buy each one: Term -- makes sense if you are worried about death during a certain period of time but not afterward.  Often this is young people trying to get out of debt, have young dependents, etc., who expect to have more money later in life and less need for insurance. Permanent -- makes sense if you want to ensure that your dependents get paid (tax free) at your death even if you die at an age when you are basically uninsurable.  These plans make sense if you hold them forever but if you get out of them early, there are often large fees that will make it a pretty bad deal. The fact that your uncle is already in a permanent plan makes me think it might make sense to continue.  Check the details to see how large the fees on getting your money out early would be.   Given that he has a disabled wife, having a permanent plan may make sense, especially if her disability is not one associated with dying younger. Having said that, I can see an argument for term insurance if your uncle is primarily concerned with providing for his daughter and won't be concerned about it after she's out of school.   The answer really depends on:


Equity options, at least those traded in the American exchanges, actually expire the Saturday after the 3rd Friday of the month.  However, the choice to trade or exercise the options must be specified by the 3rd Friday. This is outlined by the CBOE, who oversees the exchange of equity options.  Their FAQ regarding option expiration can be found at http://www.cboe.com/LearnCenter/Concepts/Beyond/expiration.aspx.


mẫu biệt thự đẹp 3 tầng, mẫu biệt thự đẹp nhất việt nam, biệt thự hiện đại đẹp, biet thu dep 2 tang, mẫu nhà biệt thự đẹp, một số mẫu biệt thự đẹp, biet thu dep 1 tang, biet thu vuon dep, thiet ke nha dep cap 4, thiet ke nha dep 2 tang, thiet ke nha dep 1 tang, thiết kế nhà ống đẹp, thiết kế nhà đẹp giá rẻ, mau nha dep 2 tang, mau nha dep 1 tang, thiet ke nha dep 3 tang, nhà ống đẹp 2 tầng, mẫu nhà ống 1 tầng đẹp, mẫu nhà ống đẹp 3 tầng, nhà ống 2 tầng mái thái, mẫu nhà ống đẹp giá rẻ, mau nha ong dep 2 tang 1 tum, nội thất nhà ống, mau nha ong dep 2017, nhà phố mặt tiền 5m, mẫu mặt tiền nhà phố đẹp, nhà phố 2 tầng đẹp, nhà phố đẹp 3 tầng, nhà phố 1 trệt 1 lầu, nội thất nhà phố đẹp, mẫu nhà phố đẹp 2 tầng, nhà phố hiện đại 5m, biệt thự nhà vườn 2 tầng, biệt thự vườn 1 tầng, biệt thự nhà vườn cấp 4, những mẫu biệt thự nhà vườn đẹp, nhà vườn 1 tầng 4 phòng ngủ, biệt thự 1 tầng 3 phòng ngủ, biệt thự 1 tầng mái thái, biệt thự 1 tầng phong cách châu âu


Really all you need to know is that American style can be exercised at any point, European options cannot be exercised early. Read on if you want more detail.  The American style Call is worth more because it can be exercised at any point. And when the company pays a dividend, and your option is in the money, if the extrinsic value is worth less than the dividend you can be exercised early. This is not the case for a European call. You cannot be exercised until expiration. I trade a lot of options, you wont be exercised early unless the dividend scenario I mentioned happens. Or unless the extrinsic value is nothing, but even then, unless the investor really wants that position, he is more likely to just sell the call for an equivalent gain on 100 shares of stock.


This forex training video illustrates the proper use of the stop run reversal forex trading strategy. The stop run strategy effectively spots banking manipulation in the forex market, thus allowing us as retail traders to take the same trades as the mega banks. Learn how to trade forex with the banks using this forex training video.


The only thing the book advises to do is to start an LLC that invests in real estate, then deduct everything you do as a business expense related to investing in real estate. Going on a vacation to Hawaii?  Deduct it, you were checking out real estate.  And so on and so forth.


"I saw that an answer hasn't been accepted for this yet: Being bearish is a good hedging strategy. But being hedged is a better hedging strategy. The point being that not everything in investments is so binary (up, and down). A lot of effective hedges can have many more variables than simply ""stock go up, stock go down"" As such, there are many ways to be bearish and profit from a decline in market values without subjecting yourself to the unlimited risk of short selling. Buying puts against your long equity position is one example. Being long an ETF that is based on short positions is another example."


>By 2037, the debt would be almost twice the size of the economy, the agency said. That would mean **higher interest rates**, slower economic growth and far more painful choices for lawmakers than they face today.  Japan is at 230% right now!  > Japan 208.2 2011 est. **229.77%** 2011 Asia http://en.wikipedia.org/wiki/List_of_countries_by_public_debt  >Bank of Japan Keeps Monetary Policy Unchanged Published on 5/23/2012 12:57:08 PM  | By TradingEconomics.com, Bank of Japan  >At the Monetary Policy Meeting held on May 23rd, the Policy Board of the Bank of Japan decided, by a unanimous vote, to keep the uncollateralized overnight call rate at around 0 to 0.1 percent.  http://www.tradingeconomics.com/japan/interest-rate


The way the wash sale works is your loss is added to your cost basis of the buy.  So suppose your original cost basis is $10,000.  You then sell the stock for $9,000 which accounts for your $1,000 loss.  You then buy the stock again, say for $8,500,  and sell it for $9,000.  Since your loss of $1,000 is added to your cost basis, you actually still have a net loss of $500. You then buy the stock again for say $10,500,  then sell it for $9,500.  Your $500 loss is added to your cost basis,  and you have a net loss of $1,500. Since you never had a net gain, you will not owe any tax for these transactions.


"> How is putting a gun to a persons head and saying give me your money or else I will cuff you and put you in jail not stealing?  I've had [other discussions about why taxes are not theft](https://www.reddit.com/r/economy/comments/6leb2o/missouri_republicans_lower_st_louis_minimum_wage/dju1jjp/).  > If...they aren't disabled then they are just lazy.  I think there are a whole lot of people who struggle to work but are neither.  How about a single mother with young kids and no help?  Someone raised on the street with no idea what it takes to get a job?  Someone with general pain or fibromayalgia?  Someone addicted to drugs or alcohol?  Maybe just someone who just can't take control of his or her life because a lowered IQ caused by lead poisoning or poor nutrition as a child?  I totally agree that a ""tough love"" approach is a great solution for lazy but if the person has a real problem or lacks the tools to succeed, then the approach is not only cruel but will push the person into what looks like from the outside as more irresponsible behavior."


Ok, you fly down to the Nike factory in Indonesia and tell those kids that they have to stop being so bitter and do something to change their lives. Tell them that they should be satisfied with the agreement that they chose to enter.  I think you should realize that change is a privilege that very few of us have. Not everyone has the will and the skill. Most times, it just comes down to luck.


"I'm not concerned with ""teaching"" Puerto Rico anything. It is in Puerto Rico's interest to repay their debt for the simple fact that they won't be able to operate without access to credit. Who is gonna lend to Puerto Rico in the future if these bonds go to zero. If everyone is paid back at a reasonable figure, Puerto Rico will be able to borrow again one day and not at a predatory rate.This is what I believe is Klarman's thesis for investing in Puerto Rico's debt. I have no sympathy for the lenders who relaxed their standards, nor for the investors that overlooked the risks for the extra yield. My point is Klarman did nothing to create this situation, he just saw value in the bonds when no one else did. The article is trying to paint him as a villain for simply owning the bonds after the fact."


"My bad. I meant to say within my circle of immediate social influence; as in people I know face to face.  I'll have to buy some more before they go away again.   I've always wanted to try ""deep fried"" style--though, I may regret it."


I'm a business law student, so medical stuff isn't really my specialty. I'll share with you what I know though. First, as to the legality, I'm not aware of anything making it illegal for them to consider their business with you concluded. Absent any contract between you and the doctor, it seems to me that you agreed to pay them in cash. If I was the business, I'd assume our business had been concluded as well. As for any contracts between the insurance company and the doctor's office, as far as I know, that's between them. That wouldn't give you standing to sue the doctor. I'm unfamiliar with a patient submitting insurance claims, but if that's something you are allowed to do with your insurance company and all you need is more information, submit a request for your medical records to the doctor. Under United States law, your medical records are yours. You have a right to receive a copy of them. Keep in mind though that the doctor's office may charge you a small copying fee to cover expenses they incur while making a copy for you. As far as complaining, I would suggest your local Better Business Bureau. Each state generally has a medical board which oversees doctors. You might lodge a complaint with them as well. I hope this helps. Keep in mind that I'm not an attorney. This is not legal advice. This is only what I personally would do if I were in your situation. You can and should consult an attorney who is licensed to practice law in your particular jurisdiction.


"Should I just create a new account code, i.e. Lawyer's Trust Account? Yes, you should. I have a generic ""escrow"" account just for that."


Great comment; came here to write something very similar, even point out the recent BA fiasco, but you covered it!   To further your point, I'd argue that it ends up costing more in the long run and in other ways, just look at BA!


How hard would it be to work in either wealth management or investment banking with a master's in accounting and a CPA? My program allows for a double major in finance but at the moment the finance major is full so I won't be able to do it. I already have internship experience in both Wealth Management at Morgan Stanley and FP&A at a major corporation if that's relevant at all.


"Different states have different laws, check your local laws concerning credit. Some states even guarantee you to get one free credit report per year. If you recently apply for an apartment, a mortgage or denied a credit card or loan, you can usually get a free copy from whomever you authorized to pull your credit report. Sign up credit monitoring service, there are quite a few of these. Most credit card companies offer such service, Amex, Chase, Citibank, etc. It' costs around $10-$20 per month. If you sign up a service and pull your own credit report, it's considered a ""soft"" pull which won't affect your score negatively."


There are some uniquely American issues in this question (and answer), but some general principles as well. Regarding the comment that you quoted, the context (some of which you excluded) needs some clarification.


>The majority of what we pay our cable company is wasted. We get broadband Internet from our cable company, and we use that constantly. But we also get 500 channels that we almost never watch, along with a couple (HBO, Tennis Channel) that we pay extra for and do watch occasionally.  This is fallacious thinking to assume that less channels would lower your cable bill. The cost of providing you with cable TV is in the fixed costs of running lines to your house and the ongoing cost of fulfilling the SLA, which is a function of how much bandwidth they need to provide you with, not the amount of channels that you watch. Whether 500 people each just pick one channel each to subscribe to, or each of the 500 people splits their time equally between all 500 channels, it costs the cable company the same amount and your bill will stay the same.


> The problem that I have with testing for pot is that it shows up if you've consumed THC within the past month.  Not the piss test.  > . I prefer pot to alcohol, do it on my own time, and I never ever ever show up high or even fuzzy from the night before.  You're an exception. Many pot smokers do it daily and think it doesn't impair them. you're responsible, they are not.  > No everyone that smokes pot is a loser.  I agree, but most are if they are daily smokers


"Look, as my final comment.  You're overthinking this.  Companies routinely have waaaay more cash on their books than they ""need"" because they keep a rainy day fund.  Yes, there are extreme examples like Apple that has about 60 billion more than they need but practically all companies are going to maintain excess cash for emergencies, acquisitions, etc.  As I said in another comment, the common theme between a DCF and an EV multiple is that they are both capital structure independent.    Even here there are going to be differences, companies with a really shitty capital structure (read: too much debt) will trade publicly at a lower enterprise value multiple because of the risk that they go bankrupt.  In an acquisition, this (probably) would not be the case.  In the case of a DCF, you would probably raise your discount rate to account for the risk of bankruptcy."


"With no numbers offered, it's not like we can tell you if it's a wise   purchase. -- JoeTaxpayer We can, however, talk about the qualitative tradeoffs of renting vs owning. The major drawback which you won't hear enough about is risk. You will be putting a very large portion of your net worth in what is effectively a single asset. This is somewhat risky. What happens if the regional economy takes a hit, and you get laid off? Chances are you won't be the only one, and the value of your house will take a hit at the same time, a double-whammy. If you need to sell and move away for a job in another town, you will be taking a financial hit - that is, if you can sell and still cover your mortgage. You will definitely not be able to walk away and find a new cheap apartment to scrimp on expenses for a little while. Buying a house is putting down roots. On the other hand, you will be free from the opposite risk: rising rents. Once you've purchased the house, and as long as you're living in it, you don't ever need to worry about a local economic boom and a bunch of people moving into town and making more money than you, pushing up rents. (The San Francisco Bay Area is an example of where that has happened. Gentrification has its malcontents.) Most of the rest is a numbers game. Don't get fooled into thinking that you're ""throwing away"" money on renting - if you really want to, you can save money yourself, and invest a sum approximately equal to your down payment in the stock market, in some diversified mutual funds, and you will earn returns on that at a rate similar to what you would get by building equity in your home. (You won't earn outsized housing-bubble-of-2007 returns, but you shouldn't expect those in the housing market of today anyway.) Also, if you own, you have broad discretion over what you can do with the property. But you have to take care of the maintenance and stuff too."


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Placing bets on targeted sectors of the market totally makes sense in my opinion.  Especially if you've done research, with a non-biased eye, that convinces you those sectors will continue to outperform.   However, the funds you've boxed in red all appear to be actively managed funds (I only double-checked on the first.)  There is a bit of research showing that very few active managers consistently beat an index over the long term.  By buying these funds, especially since you hope to hold for decades, you are placing bets that these managers maintain their edge over an equivalent index.  This seems unlikely to be a winning bet the longer you hold the position.   Perhaps there are no sector index funds for the sectors or focuses you have?  But if there were, and it was my money that I planned to park for the long term, I'd pick the index fund over the active managed fund. Index funds also have an advantage in costs or fees.  They can charge substantially less than an actively managed fund does.  And fees can be a big drag on total return.


The US honey lobby has gone out of their way to arrange for protectionist barriers against Chinese honey.  I'm sure that a thousand commodity industries do this.  There are less-than-clean hands on both sides of the Pacific.


Many mortgages have a clause saying the bank will not sell the loan. You are acting like this is unheard of, but it is a standard checkbox on most bank's mortgages, where they either mark that they can sell it or they mark that they won't. So, it is common enough for it to be on their standard forms. (There are many sources of funding for banks for mortgages that explicitly prevent them from selling loans)


Companies with existing borrowings (where borrowings are on variable interest rates) or in the case with fixed interest rates - companies that get new borrowings - would pay less interest on these borrowings, so their cost will go down and profits up, making them more attractive to investors.  So, in general lower interest rates will make the share market a more attractive investment (than some alternatives) as investors are willing to take on more risk for potentially higher returns. This will usually result in the stock market rising as it is currently in the US. EDIT: The case for rising interest rates A central bank's purpose when raising interest rates is to slow down an economy that is booming. As interest rates rise consumers will tighten up their spending and companies will thus have less revenue on top of higher costs for maintaining existing borrowing (with variable rates) or new borrowing (with fixed rates). If rates are higher companies may also defer new borrowings to expand their business. This will eventually lead to lower profits and lower valuation for these companies. Another thing that happens is that as banks start increasing interest for saving accounts investors will look for safety where they can get a higher return (than before) without the risk of the stock market.  With lowering profits and valuations, and investor's money flowing out of shares and into the money market, so will company share prices drop (although this may lag a bit with the share market still booming due to greed. But once the boom stops watchout for the crash).


Remote Deposit usually means a scanner and some software and has a monthly fee associated with it (so it only makes sense for businesses, and even then only some businesses). Chase and USAA allow you to make deposits via your iPhone which is aimed at consumers and has some deposit limits associated with it (checks have to be less than some $$). I've used both.  Remote Deposit is super easy, the software usually sucks, but it's too expensive for personal users ($60/month at citibank).  Chase deposits have worked on my iPhone usually after 2 or 3 tries but that did save me from walking to the bank.


I'm glad you have a sense of humor!  However, back to the people described in the OP. They don't have the opportunity to get a few day labor jobs in order to raise funds.  In fact, for an unfortunate number of them, their solution is to migrate to Europe in order to do exactly that.  This has caused massive problems in the European countries surrounding the Mediterranean. I'm sure you've heard about it in the media, but if not, here is an article by the BBC: [Mediterranean migrants crisis: Why is Africa silent?](http://www.bbc.com/news/world-africa-32480410).


The issue is, universal healthcare is not perfect.  No system is, since healthcare costs are economically infinite, so every system draws the line somewhere.       In universal healthcare, coverage lines are determined by central authorities on what is most economically beneficial to ALL of society.       In the US, coverage lines are drawn up by for profit insurers.  It's a complete clusterf*ck.   Why any American would prefer a barely regulated for profit insurer to make decisions on whether their critical healthcare is covered, knowing that they personally profit should they decline coverage is incredible.       I personally lean libertarian, but not for areas like schools and healthcare.  They are far better served universally supported by government taxes.


"My thoughts on loaning money to friends or family are outlined pretty extensively here, but cosigning on a loan is a different matter.  It is almost never a good idea to do this (I say ""almost"" only because I dislike absolutes).  Here are the reasons why: Now, all that said, if my sister or parents were dying of cancer and cosigning a loan was the only way to cure them, I might consider cosigning on a loan with them, if that was the only option.  But, I would bet that 99.9% of such cases are not so dire, and your would-be co-borrower will survive with out the co-signing."


> Okay, why?  Because the only modern justification for the existence of a nation is the social contract.   > We have seen that corporations will push limits regularly which shows little respect for the law or other people's property.  Without the concept of corporate person-hood, a impartial judicial system to settle disagreements, and enforcement significantly more powerful than all actors, corporations would have little reason to heed claims of property.  Ownership would become a question of what you can control, not what you made/traded for.   Exactly. That's why we have the social contract and thus services like police and civil courts that ensure the mutual respect for each other's property.  But for the vast majority of interactions enforcement won't be required since you want your property respected as well. It's the golden rule  > Tell me why.  Because - once again - mandatory public healthcare is based on forced redistribution of wealth, which is a violation of the social contract. I'm quite sure I explained this already multiple times.  > It doesn't solve the problem of how the money sucks money to the top.  Please elaborate as to why that is a problem in the first place.


I have used TradeKing for a couple of years now and love it.  It really is a great site.  They hold an IRA trading account for me and have been helpful in rolling money into that account, and with answering the occasional question. Previously I have used Scottrade and found that TradeKing is a much better value.


If you are just starting out, my tactic would be to go way high and then consider any different play money. So guess $90 and when it comes in at $60, buy a new shirt or go on a date.


"The loan-to-value ratio (LTV Ratio) is a lending risk assessment ratio that financial institutions and others lenders examine before approving a mortgage. It sounds like your lender has a 60% requirement. Remember the home is the collateral for the loan.  If you stop making payments, they can take the house back from you.  That number is less than 100% to accommodate changing market prices, the cost of foreclosure, repairing and reselling the home.  They may be a safety factor built in depending on the home's location.   If you want to buy a $1.8 million dollar home you will have to come up with 40% down payment.  That down payment is what reduces the risk for the lender.  So no, there is no way to cheat that. Think about the transaction from the view of the lender.   Note: in some areas, you can still get a loan if you don't have the required down payment.  You just have to pay a monthly mortgage insurance.  It's expensive but that works for many home buyers.  A separate insurance company offers a policy that helps protect the lender when there isn't enough deposit paid. Update:  Er, no.  Keep it simple.  The bank will only loan you money if it has collateral for the loan. They've built in a hefty safety margin to protect them in case you quit paying them your monthly payments.  If you want to spend the money on something else, that would work as long as you provide collateral to protect the lender.  You mention borrowing money for some other purpose then buying a home.  That would be fine, but you will have to come up with some collateral that protect the lender. If you wanted to buy a new business, the bank would first ask for an appraisal of the value of the assets of the business.  That could be applied to the collateral safety net for the lender.  If you wanted to buy a business that had little appraisal value, then the bank would require more collateral from you in other forms.  Say you wanted to borrow the money for an expensive operation or cosmetic surgery. In that case there is no collateral value in the operation. You can't sell anything from the surgery to anybody to recover costs. The money is spent and gone.  Before the bank would loan you any money for such a surgery, they would require you to provide upfront collateral.  (in this case if you were to borrow $60,000 for surgery, the bank would require $100,000 worth of collateral to protect their interest in the loan.) You borrow money, then you pay it back at a regular interval at an agreed upon rate and schedule.  Same thing for borrowing money for the stock market or a winning horse at the horse race.  A lender will require a hard asset as collateral before making you a loan...   Yes I know you have a good tip on a winning horse,and you are bound to double your money, but that's not the way it works from a lender's point of view.    It sounds like you are trying to game the system by playing on words.  I will say quit using the ""40% to 60%"" phrase.  That is just confusing.  The bank's loan to value is reported as a single number (in this case 60%)  For every $6000 you want to borrow, you have to provide an asset worth $10,000 as a safety guarantee for the loan. If you want to borrow money for the purchase of a home, you will need to meet that 60% safety requirement.  If you want to borrow $1,000,000 cash for something besides a home, then you will have to provide something with a retail value of $1,666,667 as equity. I think the best way for you to answer your own question is for you to pretend to be the banker, then examine the proposal from the banker's viewpoint. Will the banker alway have enough collateral for whatever it is you are asking to borrow? If you don't yet have that equity, and you need a loan for something besides a home, you can always save your money until you do have enough equity.  Comment One. I thought that most lenders had a 75% or 80% loan to value ratio. The 60% number seems pretty low.  That could indicate you may be a high risk borrower, or possibly that lender is not the best for you.  Have you tried other lenders?  It's definitely worth shopping around for different lenders.   Comment Two. I will say, it almost sounds like you aren't being entirely honest with us here.  No way someone with a monthly income who can afford a $1.8 Million home would be asking questions like this.  I get that English probably isn't your first language, but still.  The other thing is: If you are truly buying a $1.8 Million dollar home your real estate agent would be helping you find a lender that will work with you.  They would be HIGHLY motivated to see this sale happen.   All of your questions could be answered in ten minutes with a visit to your local bank (or any bank for that matter.)  When you add up the costs and taxes and insurance on a 30 fixed loan, you'd have a monthly mortgage payment of nearly $10,500 a month or more.  Can you really afford that on your monthly income?"


>The Russell 3000 measure of US stock prices was up by 16.93% in 2010, but CEO pay went up by 27.19% overall.  this is telling since generally stocks follow earnings(not always but generally). This shows the skewing of ceo compensation with productivity increases.  You know the median worker at these corps didnt see a 36% increase, probably not more than a 8% increase if that. And thats not counting the really low level people., who still havent seen their jobs come back despite corps breaking records on earnings and giving ceos raises after having their markets and banks bailed out by the us tax payer.   Corps need to ask not what the country can do for them, but what they can do for the country, To borrow a quote.


"again, you feel compelled to add terminology that you don't seem to understand.  There is no chicanery necessary to ""bet"" against a company.  It's called shorting.  Our you buy a sell option (a ""put"").  These have been around for ever.  Individuals can do it if they desire.    Market manipulation is another matter and certainly does happen.    Thus far, there does not appear to be any evidence that FB's stock price was manipulated downward, it was just over-priced to begin with."


Every bank and credit union in the US has a Deposit Agreement and Disclosures document, Bank of America is no different. Our general policy is to make funds from your cash and check deposits   available to you no later  than the first business day after the day   of your deposit. However, in some cases we place a hold  on funds that   you deposit by check. A hold results in a delay in the availability of   these funds. that sounds great but ... For determining the availability of your deposits, every day is a   business day, except Saturdays,   Sundays, and federal holidays.   If   you make a deposit on a business day that we are open at one of our   financial centers before   2:00 p.m. local time, or at one of our ATMs   before 5:00 p.m. local time in the state where we  maintain your   account, we consider that day to be the day of your deposit. However,   if you make  a deposit after such times, or on a day when we are not   open or that is not a business day, we  consider that the deposit was   made on the next business day we are open. Some locations have    different cutoff times. so if you deposit a check on Friday afternoon, the funds are generally available on Tuesday. but not always... In some cases, we will not make all of the funds that you deposit by   check available to you by the  first business day after the day of   your deposit. Depending on the type of check that you deposit,  funds   may not be available until the second business day after the day of   your deposit. The first  $200 of your deposits, however, may be   available no later than the first business day after the day  of your   deposit.  If we are not going to make all of the funds from your   deposit available by the first business  day after the day of your   deposit, we generally notify you at the time you make your deposit. We   also tell you when the funds will be available. Ok what happens when the funds are available... In many cases, we make funds from your deposited checks available to   you sooner than we  are able to collect the checks. This means that,   from time to time, a deposited check may be  returned unpaid after we   made the funds available to you. Please keep in mind that even though    we make funds from a deposited check available to you and you withdraw   the funds, you are  still responsible for problems with the deposit.   If a check you deposited is returned to us unpaid  for any reason, you   will have to repay us and we may charge your account for the amount of   the  check, even if doing so overdraws your account. Fidelity has a similar document: Each check deposited is promptly credited to your account.  However,   the money may not be available until up to six business  days later,   and we may decline to honor any debit that is applied  against the   money before the deposited check has cleared. If a deposited check does not clear, the deposit will be removed  from   your account, and you are responsible for returning any  interest you   received on it. I would think that the longer holding period for Fidelity is due to the fact that they want to wait long enough to make sure that the number of times they have to undo investments due to the funds not clearing is nearly zero.


The only sensible reason to invest in individual stocks is if you have reason to think that they will perform better than the market as a whole. How are you to come to that conclusion other than by doing in-depth research into the stock and the company behind it?   If you can't, or don't want to, reach that conclusion about particular stocks then you're better off putting your money into cheap index trackers.


Not wholly accurate.  Most fully electric cars (Leaf, Focus) have published ranges of 100 miles but real-world of about 70.  Chevy Volts average 35, but have a backup generator to provide unlimited total range.  Regardless, plenty far for about 3/4 of people's commutes.  Also if you can charge at work, you can increase (up to doubling) the above figures.


Oh Yay!!! . what a recovery, was not AIG the insurance company that was left holding its own dick when the whole world defaulted in 2008.  If memory serves, it was unable to pay out on all those credit default claims and had to get a massive bail out just to keep the banking system from imploding.  The Fed must have bought a shit load of crap from them.  Ah . .October cometh and the Great Unwind . . we cannot very well rate a Systemic Risk AAA now can me.  Smart move gramma . .nice try . . . didn't fly


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"Eh, in some ways yes, some ways no. Electric motors tend to run out of steam at high RPM's which limits their performance above 100mph or so. Before you say ""no one goes (or needs to go) above 100mph"", yes, yes people do and more often than you might think."


If this goes through and the company is punished sufficiently this breach with ultimately be good news.  Security as been too easily neglected because fixing it provides no obvious immediate benefit to the customer as opposed to other features.  So the only way this gets addressed is when CEO's and stockholders feel significant pain.


"(1) I think the phrase ""Variable Annuity"" is a glowing red flag. A corollary to that is that any strategy that uses insurance for a purpose (e.g. tax avoidance) other than protecting against loss rates at least a yellow flag. (2) The other really obvious indicator is a return that is completely out of whack with the level of risk they are saying the investment has. For example, if someone promises a 10% annual return that is ""Completely Safe"" or ""Very low risk"", Run. (3) If it is advertised on tv/radio, or all your friends are talking about it at parties. Stay away. Example: Investing in Gold Coins or the hot Tech IPO. (4) The whole sales pitch relies on past returns as proof that the investment will do well without any real discussion of other reasons it will continue to to well. Beware the gambler's fallacy. (5) Finally, be very wary of anyone who has some sort of great investment plan that they will teach you if you just pay $X or go to their seminar. Fee based advice is fine, but people selling a get rich quick vehicle typically know the real way to get rich is to get suckers to pay for their seminars."


I think you missed this comment from /u/SEA-Sysadmin:   >Ultimately all these will pale in comparison to the cost of choosing a place where Amazon cannot get talent to move.  Detroit has very serious problems in this regard. U of M grads can get more money and opportunity elsewhere and local companies have difficulty getting people to move to metro Detroit from other parts of the U.S. It's a perfect storm in terms of brain-drain.


You would think so wouldn't you, after all, it's your money! In practise though, it's not as easy as you might think because anti money laundering and anti fraud laws mean you generally have to withdraw money to the same account you funded your trading from. Some forex trading account providers will allow you to fund from multiple sources, but then insist on putting money back to those sources in some proportion or some order or other. Some forex trading account providers at least claim that they may, AT THEIR DISCRETION, let you do it, IF the destination account is in the same name, but I wouldn't be surprised if they charged you for it, and actually the charges might be somewhat justified if they have to invoke identification procedures to make sure the other account is indeed actually you. You would have to talk to a specific service provider and see if they agree to do what you want, they all have FAQs about funding and withdrawal so you can scan around online for the slightly more flexible ones and then give them a call. You might find it difficult to get any guarantees out of them though.


"It's a certified accountant who has passed the CPA exam in order to hold the designation.       If you don't pay taxes on your income, you'll be completely fucked down the line. If you're self reporting and it's not automatically deducted, definitely speak to a CPA. They may even recommend filing taxes quarterly. The sub you're using is more for high finance and capital markets, I'd suggest /r/personalfinance for your situation.       Also, far be it from me to say, because $2k/mo is great for an 18 year old who is presumably in college, but you won't get in trouble as long as you pay taxes. If you mean in a long-term sense of financial stability, yeah that could be bad. $24k is absolutely amazing now and if being hot on instagram can pay for your college, then 100000% do it, that's fucking awesome.      Just make sure to get a degree because if you're still only making $24k in your mid 20's, yes you could be in ""trouble"" as in dire financial straits. That's not much to live off of when you finally have lots of bills to pay."


Heh, not surprised.  Stock investing is very much like gambling to most people I've known, whether they admit it or not.  They invest by hunches on what will go up or down, or tips from their gardener, etc.


What is your time horizon? Over long horizons, you absolutely want to minimise the expense ratio – a seemingly puny 2% fee p.a. can cost you a third of your savings over 35 years. Over short horizons, the cost of trading in and trading out might matter more. A mutual fund might be front-loaded, i.e. charge a fixed initial percentage when you first purchase it. ETFs, traded daily on an exchange just like a stock, don't have that. What you'll pay there is the broker commission, and the bid-ask spread (and possibly any premium/discount the ETF has vis-a-vis the underlying asset value).  Another thing to keep in mind is tracking error: how closely does the fond mirror the underlying index it attempts to track? More often than not it works against you. However, not sure there is a systematic difference between ETFs and funds there. Size and age of a fund can matter, indeed - I've had new and smallish ETFs that didn't take off close down, so I had to sell and re-allocate the money. Two more minor aspects: Synthetic ETFs and lending to short sellers. 1) Some ETFs are synthetic, that is, they don't buy all the underlying shares replicating the index, actually owning the shares. Instead, they put the money in the bank and enter a swap with a counter-party, typically an investment bank, that promises to pay them the equivalent return of holding that share portfolio. In this case, you have (implicit) credit exposure to that counter-party - if the index performs well, and they don't pay up, well, tough luck. The ETF was relying on that swap, never really held the shares comprising the index, and won't necessarily cough up the difference. 2) In a similar vein, some (non-synthetic) ETFs hold the shares, but then lend them out to short sellers, earning extra money. This will increase the profit of the ETF provider, and potentially decrease your expense ratio (if they pass some of the profit on, or charge lower fees). So, that's a good thing. In case of an operational screw up, or if the short seller can't fulfil their obligations to return the shares, there is a risk of a loss.  These two considerations are not really a factor in normal times (except in improving ETF expense ratios), but during the 2009 meltdown they were floated as things to consider. Mutual funds and ETFs re-invest or pay out dividends. For a given mutual fund, you might be able to choose, while ETFs typically are of one type or the other. Not sure how tax treatment differs there, though, sorry (not something I have to deal with in my jurisdiction).  As a rule of thumb though, as alex vieux says, for a popular index, ETFs will be cheaper over the long term. Very low cost mutual funds, such as Vanguard, might be competitive though.


If your debit card has no fraud protection then you need to find a different bank, many debit cards include it. Even with fraud protection, I don't like to keep excess money in the checking account, so I have checking and savings accounts with an online bank.  I can transfer money from savings to checking instantly, 6 times per month, which allows me to keep only what is needed in the checking account. Many online banks have a better overdraft policy as well, where you simply pay a small amount of interest on the over-drawn amount, rather than a set ~$35 overdraft fee, or a $20 fee for them to automatically transfer money from your savings account. I've heard of, but not made use of threshold-based fraud alerts or two-factor approval, which you can set up so that any purchase in excess of $N triggers the need for additional approval via your phone.


> Healthcare prices went through the roof...  That is a Republican talking point myth.   [Health care premiums went up by a higher percentage in the first-half of Bush's presidency than they did under the worst Obamacare year](https://www.alvarezandmarsal.com/insights/private-exchanges-healthcare-costs-and-employee-affordability).  > So are you an idiot or just ignorant?  I'm sure anyone who thinks the world is complicated appears that way to you.


Many factors really. No loans but my HOA is $240 per month. Car is $292. I keep having my bikes stolen (mine twice and girlfriend's once within the past 4 months). I hit a pothole and tore a hole in my oil pan last week, AC broke a few months ago in my condo. I just can't get ahead but I'm hopeful.


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