Also, the city streets are not supposed to be a source of competition for their business.  17 states disagree with you. But they must have been simple-minded.  How can brick and mortar restaurants factor in any kind of unknown competition - such as another brick & mortar, possibly a better or less expensive version of their own business? Should they be protected from anything they cannot factor into their initial decision to open a business? Where do you draw the line?  I think that businesses should be protected from much larger businesses, but I don't think it's appropriate to use government to protect businesses from smaller/more agile businesses, or completely different business models.  I think this entire argument is based on a logical fallacy: that mobile food is going to put restaurants out of business at a rate faster than they already do go out of business.


This is really big news for Tesla. I'm all for American made products, but if Tesla wants to meet its production goals, and overcome its current bottleneck (260 Model 3's produced vs. 1500 projected), more overseas factories is a good place to start.


When you buy a property the house or the building goes down in value every year (it gets depreciated) similar to when you drive a new car out of the lot. However, it is the land that increases in value over time. As land becomes scarcer the value of land in that area will increase in value, as does land in sought after areas. If more people want to live in a particular suburb the land value will keep on increasing year after year. Sometimes established areas with houses built in the 1980s or even earlier can be worth much more than newly built areas. It comes down to the supply and demand of land and houses in a particular area. You might even get a situation where a run-down dilapidated house in a very sought after suburb sells for more than a brand new house in a less sought-after suburb nearby. Properties can be a very good investment and they can be a very poor investment. It can largely depend on the decisions you make in buying your investment property. The first thing you need to make a decision on is the location of the property. If you buy a property in a good area that is well sought after you can make good capital and rental returns over the long run. If you buy poorly in an area no one wants to live in then you might have problems renting it out or only be able to rent it out to bad tenants who cause damage, and you may not get any capital gains over many years. The second thing you need to decide on is when in the property cycle you buy the property. If you buy at the right time you can get higher rents and make some quick capital gains over a relatively short time. I can provide a personal example of this situation. I had bought a house (in Australia) in 2007 for $240,000 at a time when interests where at their highest (9%), no one was buying property and rents were on the increase (with low vacancy rates). Today, eight years after, we are getting $410 per week rent and the house next door (in worse condition than ours) has been put on the market asking for between $500,000 to $550,000 (most houses in the area had been selling during this year for over $500,000). So you can say that our house has more than doubled in 8 years. However, up to a few months ago houses were selling within 2 weeks of being listed. The house next door however, has been listed for over a month and has not had very much interest. So from this you can conclude that in 2007 we had bought near the bottom of the market, whilst now we are near the top of the market. What you also need to remember is that different areas of a country can have different cycles, so there is not just one property cycle but many property cycles in the same country.


I'm not sure how detailed of an explanation you're hoping for. Bear ETFs basically just short sell the underlying asset. The more highly levered ETFs will also use a combination of options, futures, and swaps to achieve their target leverage. The inversion isn't perfect though, and their target is usually just to close inverse to the *daily* return of their underlying asset.  If you feel like reading, [here is an example.](http://direxioninvestments.onlineprospectus.net/DirexionInvestments//SPXS/index.html?open=Summary%20Prospectus) You can find the investment overview on page 4.


What, if anything, do I need to do? Thanks! Nothing really.  Depending on what information you provided on SS-4, the IRS may come asking for payroll tax returns etc. In that case you'll have to respond describing the situation. If they don't - you won't.


The first question is essentially asking for specific investment advice which is off-topic per the FAQ, but I'll take a stab at #2 and #3 (2) If my 401k doesn't change before I leave my job (not planned in the   near future), I should roll it over into my Roth IRA after I leave due   to these high expense ratios, correct? My advice is that you should roll over a 401K into an IRA the first chance you get (usually when you leave the job). 401K plans are NOTORIOUS for high expense ratios and why leave your money in a plan where you have a limited choice of investments anyway versus a self-directed IRA where you can invest in anything you want? (3) Should I still max contribute with these horrible expense ratios? If they are providing a match, yes. Even with the expense ratios it is hard to beat the immediate return of an employer match.  If they aren't matching, the answer is still probably yes for a few reasons: You already are maxing out your ability to contribute to sheltered accounts, so assuming you still want to sock away that money for retirement, the tax benefits are still valuable and probably offset the expense ratios. Although you seem to be an exception, it is hard for most people to be disciplined enough to put money in a retirement account after they have it in their hands (versus auto-deduction from paychecks).


Firstly, how far behind on rent are they? Have you sent them notices in writing about late rent, and if so how many have you had to send? How often do they say they are going to do things (like pay overdue rent) and they never do? To tell you the truth IMHO, if they are starting to be regularly late in rent payments and they don't do things they say they are going to do - then it is time to evict them. In NSW Australia, if the tenant is more than 2 weeks late in rent, and prior to them reaching 2 weeks late you have called them asking for late rent and sent notices, you can evict the tenants. If the tenants do not leave you can apply to the Tribunal to get them out and ask for outstanding money to be paid to you. However, if it does get to this stage, the tenants may be pissed off so may do some damage to the property in retaliation. Then you have to go back to the Tribunal to get the Tenant's Bond (Security Deposit) and any other funds to repair any damages done to your place. The longer you leave it the worse it will get. We had some tenants similar to this which we finally got out earlier this year. They would say they would pay rent due by the end of the week and no money would come by the end of the week. We took them to Tribunal and got them out, and we got the Bond plus unpaid rent and other money for damages and leaving the place dirty (over and above the Bond) awarded to us - just under $4K.  The tenants said they couldn't pay and so went on a payment plan to pay about $135 every 2 weeks. They didn't pay any of the payments, so then we went to the local court to get a sheriff to go to their new place and take their property. The must have gotten scared from this because they approached the local court and agreed to pay $60 per week. We have currently received about 10 payments so it will be a long time before we get all our money back. As I said the longer you leave it the worse it can get. You should also look at improving your criteria for selecting new tenants. I have given an answer to this question How to choose a good tenant as a private landlord? Hopefully it can give you some ideas of what to ask for when searching for your next tenant. Update due update in Question Six weeks behind in rent is quite a bit to be behind. If the landlord had been asking the tenant to pay the late rent during this period and the tenant had been giving excuses why the rent was late and saying they would pay it by a certain time but never did - it is a big sign that they will tell you lies.  If this is the first time they have been late in paying rent and now they are back up to date with the rent, you might want to give them one more chance. If this is a pattern that happens regularly it is better to get them out, as it will happen again, you will get in an argument with them and then they might stop paying rent altogether. You can usually gain a better perspective of the tenants from their action rather than their words - that is why ascertaining their past rental history is so important when finding a new tenant.


I've got a card that I've had for about 25 years now.  The only time they charged me interest I showed it was their goof (the automatic payment failed because of their mistake) and they haven't cancelled it.  No annual fee, a bit of cash back. The only cards I've ever had an issuer close are ones I didn't use.


"This ""article"" just regurgitates Redditor comments. And not in a good way.  This is the new world, all the technology that everyone blindly accepts as progress leads to and results in this kind of thing.   Going forward you will be tracked everywhere you go by cameras using face-recognition software. Every piece of data you create will be saved, and either readily analyzed or available for analysis. Is there a way to stop it? I don't believe so.  I don't like it, but I don't see how any law could stop it. And we're too late for social-based solutions. It will only be stopped by a major catastrophic event at this point. Avoid what you can while you can, but as much as I dislike it, might as well enjoy the ride."


"Seriously, what a horseshit argument. ""You're going to make $120k, but after you spend your money on all the things that you'll need to stay alive, you'll only have $50k. And that's basically no money at all.""   Sounds like a goddamned good living to me."


And how is that even an argument?   So...the fed needs to raise rates, is what you seem to be saying. I'm not sure that now is the time for that, considering the weak jobs numbers recently, but it's possibly a good idea for them to announce that a hike will come soon instead of actually raising the rate.   Either way, to say that having a low interest rate for a decade is a bad thing sort of obscures a harsh reality. It's certainly not something that you *want*, but what's the alternative? Would the US have been better off without the Feds balance sheet expansion? Very few economists would say yes.   In fact that exact line of thought likely turned a financial crash into the Great Depression of the 30's.


"An order is your command to the broker to, say, ""sell 100 shares of AAPL"". An executed order (or partially executed order) is when all (or some) of that command is successfully completed. A transaction is an actual exchange of shares for money, and there may be one or more transactions per executed order.  For example, the broker might perform all of the following 5 transactions in order to do what you asked: On the other hand, if the broker cannot execute your order, then 0 transactions have taken place. The fee schedule you quote is saying that no matter how many transactions the broker has to perform in order to fill your order -- and no matter what the share prices are -- they're only going to charge you $0.005 per share ($0.50 in this example of 100 shares), subject to certain limits. However, as it says at the top of the page you linked, Our Fixed pricing for stocks, ETFs (Exchange Traded Products, or ETPs) and warrants charges a fixed amount per share or a set percent of trade value, and includes all IB commissions, exchange and most regulatory fees with the exception of the transaction fees, which are passed through on all stock sales. certain transaction fees are passed through to the client.  The transaction fee you included above is the SEC fee on sales.  Many (but not all) transaction fees DO depend on the prices of the shares involved; as a result they cannot be called ""fixed"" fees. For example, if you sell 100 shares of AAPL at $150 each, But if you sell 100 shares of AMZN at $940 each, So the broker will charge you the same $0.50 on either of those orders, but the SEC will charge you more for the expensive AMZN shares than for the cheaper AAPL shares. The reason this specific SEC fee mentions aggregate sales rather than trade value is because this particular SEC fee applies only to the seller and not to the buyer.  So they could have written aggregate trade value, but they probably wanted to highlight to the reader that the fee is only charged on sells."


Businesses have been using immigrants (illegal and legal) to screw labor in this country. Flooding the market with foreign labor [drives up supply and drives down wages.](http://www.pewresearch.org/fact-tank/2014/10/09/for-most-workers-real-wages-have-barely-budged-for-decades/) Maybe if we let the wages rise over the years, Americans would be willing to pay more because they would be making more.   I think so many people are hostile towards labor and defend corporations so much is that corporations can afford PR and labor cannot.


Full fridge uses less.  Mostly due to a sort of 'flywheel effect' from the mass inside the fridge. frankly I think this is more of a science trivia question,  If you are trying to save money on power, then there's a lot of other things you can do, and there's tons of websites out there with power conservation tips.  just google it.  A better question here would be what to do with the money you save ;-)


More questions!  1.) I thought the criticism of the Dow was that it's much smaller than other indexes and thus less representative of the market as a whole?  2,) When you say private investors are you talking about a few specific people? Or anyone who invests at all?  Thanks


As you are 14, you cannot legally buy premium bonds yourself. Your parents could buy them and hold them for you, mind you. That said, I'm not a fan of premium bonds. They are a rather weird combination of a savings account and a lottery. Most likely, you'll receive far less than the standard interest rate you'd get from a savings account. Sure, they may pay off, but they probably won't. What I would suggest, given that you expect to need the money in five years, is simply place it in a savings account. Shop around for the best interest rate you can find. This article lists interest rates, though you'll want to confirm that it is up to date. There are other investment options. You could invest in a mutual fund which tracks the stock market or the bond market, for example. On average, that'll give you a higher rate of return. But there's more risk, and as you want the money in five years, I'd be uncomfortable recommending that at this time. If you were looking at investing for 25 years, that'd be a no-brainer. But it's a bit risky for 5 years. Your investment may go down, and that's not something I'd have been happy with when I was 14. There may be some other options specific to the UK which I don't know about. If so, hopefully someone else will chime in.


You can do the Roth IRA, but I think your income is too high to take a deduction on the traditional IRA.  By the way, this is the 2015 tax table -  You look like you are in the 28% bracket. A good place to be, but I'd be putting more money pre-tax in the 401(k) and consider converting in years that your rate may be lower. It's easy to get married, buy a house, and that same income puts you in the 15% bracket.  The truth is, no one can project 5 years out, let alone 40, and a mix like you have is as good an approach as any, even if I'd lean more pretax. Remember, your $4400 match is on the pretax side, so you are close to 50/50 as is.


Consider the mechanic which actually drives the 'price' of a stock. In simplest terms, the 'price' of a stock is the price at which the most recent trade occurred. ie: if the price of IBM is $100/share, that means the last time someone bought IBM stock, they paid $100. Above and below the 'spot price', are dozens/hundreds/thousands of buyers and sellers who have placed orders that no one is yet willing to match. ie: if IBM's spot price is at $100, there could still be 10,000 people willing to sell for $101 (called the 'ask' price, for the lowest price someone is currently willing to sell at), and 15,000 willing to buy for $99 (called the 'bid' price, for the highest price someone is currently willing to buy for).  Until someone is willing to buy for $101, then no one will be able to sell at $101. Until someone is willing to sell for $99, no one will be able to buy for $99. Typically orders are placed in the market at a particular limit. Meaning that those orders to buy at $99/sell at $101 are already in the 'system', and will be matched immediately as soon as someone is willing to meet the price on the other side. Now consider general market economics: high demand drives up price, and high supply drives down price. If the details above for IBM were yesterday, and today some news came out that IBM was laying off employees, imagine that another 10,000 people who held shares wanted to sell. Now there would be 20,000 sellers and only 15,000 buyers. If those new sellers were aggressive about wanting to sell, they would have to drop their price to $99, to match the highest buyers in the market. Put together, this means that as more sellers enter the market, supply of shares increases, driving down price. Conversely, as more buyers enter the market, demand for shares increases, driving up share price. As a result of the above, you can say that (all else being equal) if price for a stock goes up, there were more buyers that day, and if price goes down, there were more sellers that day. On the face of it, that is not necessarily true, because you could have the same number of buyers and sellers, one side could have simply decreased/increased their acceptable price to match the other side.


If you are searching for a country home or a new homes in    Renton WA just a few hours from Washington, 1000 First Street is a wise choice. Datta Homes is one of the top real estate agent, providing exceptional real estate service in Washington, based on the highest standard of ethics.


It is a closed loop.  The extremely rich are sopping up more and more of it leaving less for the rest of us.  Truly.  The lower 90% have made increasingly less over the last 20 years, while the upper brackets have made much much more.  Read all about it here: http://www.motherjones.com/politics/2011/02/income-inequality-in-america-chart-graph


As other people have said, a few thousand dollars isn't going to make any significant difference in what you pay - if you put an extra 1% down, and redraw all the documents accordingly, your payments are going to be roughly 1% less per month.  So, for example, $1800 per month would become $1780 or so per month.   You're much better off keeping the money as an emergency fund: When you buy a house, there are a lot of things that can go wrong (as is the case with your car, if you have one, and with medical expenses, and helping out a relative, not to mention losing your job, and so on).  It doesn't sound like you have all that much money, because if you did, you would have put 20% down and avoided Private Mortgage Insurance, saving yourself a lot more money than 1%. So having a few more thousand in the bank sounds like a good thing.


Structuring, as noted in another answer, involves breaking up cash transactions to avoid the required reporting limits.   There are a couple of important things to note.   And, the biggest caveat - there have been many cases of perfectly legitimate transactions that have fallen foul of the reporting requirements.  One case springs to mind of a small business that routinely deposited the previous day's receipts as cash, and due to the size of the business, those deposits typically fell in the $9,000-$9,500 range.  This business ended up going through a lot of headaches and barely survived.  Some don't.   A single batch of transactions, if it is only 2 or 3 parts and they are separated by reasonable intervals, is not likely in and of itself to be suspicious.  However, any set of such transactions does run the risk of being flagged.   In your case, you also run afoul of the Know Your Customer rules, because it's not even you depositing the cash - it's your friend.  (Why can your friend not simply write you a check?  What is your friend doing with $5k of cash at a time?  How do you know he's not generating illegal income and using you to launder it for him?)  Were I your bank, you can be very certain I'd be reporting these transactions.  Just from this description, this seems questionable to me.   IRS seizes millions from law-abiding businesses


Vacuum Traps and Filters can act as the great protector of the vacuum arrangement. Basically this comes highly handy to protect the vacuum chamber from vapors that are formulated by the pumps. Thanks to the broad selection of vacuum traps and filters, they can integrate extreme efficiency to the machine with ease.


Heard Teams was actually pretty good. I've used Slack and HipChat and both seemed fine for what they were. Random photos in HipChat were the best though not so productive (add on with keywords triggering Google Images I think?).


AuDatingSites is the most secure online dating websites in the Australia. We take your privacy and safety extremely seriously. If you want to girls for sex and an extremely enjoyable experience for the both of you. You can register on our website online, We will provide you more contact for girls. A lot of time, the girl will put their own sexual needs to the back to ensure that us men are pleased.


Before starting to do this, make sure that you are squeaky clean in all aspects of your tax preparation and are prepared to back up any claims that you make with documentation. Home office deductions are a huge red flag that often trigger audits. Follow mbhunter's advice and be incredibly meticulous about following the rules and keeping records.


If the underlying is currently moving as aggressively as stated, the broker would immediately forcibly close positions to maintain margin.  What securities are in fact closed depends upon the internal algorithms. If the equity in the account remains negative after closing all positions if necessary, the owner of the account shall owe the broker the balance.  The broker will close the account and commence collections if the owner of the account does not pay the balance quickly. Sometimes, brokers will impose higher margin requirements than mandated to prevent the above eventuality. Brokers frequently close positions that violate internal or external margin requirements as soon as they are breached.


If you have any automated, recurring payments attached to the credit card, having the number cancelled can result in major losses - for instance, domain name expiration, VPS deletion, deactivation of mobile or VoIP phone service, etc. Good providers will give you a warning and plenty of time to replace the payment method on record, but I wouldn't necessarily trust them all to handle it well.


An LLC is a pass-through entity in the USA, so profits and losses flow through to the individual's taxes.  Thus an LLC has a separate TIN but the pass-through property greatly simplifies tax filings, as compared to the complicated filings required by C-corps.


How do prices of an apartment/house correlate to prices becoming more manageable in manufactured goods?  I could also say that  housing is not a good proxy seeing as how prices in housing differ depending on where you live.  I can also point out that more is going into buildings like double paned glass and better materials which would also raise prices on your home.  Yet a computer is much better than today than 35 years ago, and the exact opposite thing happened.  I can also say that there is less timber today than 35 years ago, making the price of wood go up.  I can also get into boring things like Bid Rent Theory, but what's the fun in that?  Nearly all manufactured goods have gone down in price.  Thanks to more open robust trade.


If the period is consistent for company X, but occurs in a different month as Company Y, it might be linked to the release of their annual report, or the payment of their annual dividend. Companies don't have to end their fiscal year near the end of the Calendar year, therefore these end of year events could occur in any month. The annual report could cause investors to react to the hard numbers of the report compared to what wall street experts have been predicting. The payment of an annual dividend will also cause a direct drop in the price of the stock when the payment is made. There will also be some movement in prices as the payment date approaches.


That's your mind resisting. You have this fallacy you have been believing for so long, you're conflicted. You know what I'm saying is logical, but the left has been filling your head with lies for so long, you believe them.   I'm interested to see which side wins. If you're smart, you'll start to understand what I am saying. If you are a dumbass, you'll continue kidding yourself with the Left's lies. Let's see how strong your mind is, brother.  Also, there's no shame in being wrong. Everyone's wrong, about big stuff, all the time. The genius can admit when he's wrong so he grows. You can do it. Shed that Left wing bullshit propaganda they drenched you with.


I'm not a professional, but my understanding is that US funds are not considered PFICs regardless of the fact that they are held in a foreign brokerage account. In addition, be aware that foreign stocks are not considered PFICs (although foreign ETFs may be).


"I've tried looking for sources, and I've found a few, but none of them seem to nail the exact material of what I'm asking about.  I feel that these visceral questions about what is value in our world, and how we can redefine it outside the definitions from both governments and corporations, is an important zeitgeist to our modern era.    Nobody asked me to do this, I am just drawn instinctively drawn to wonder about not only the workings of the world but its possibilities; the same way Adam Smith, Nikola Tesla, F.A. Hayek, and a few others have been drawn to in their lifetimes, even though they were criticized.  They began asking questions and developing them over years in order to help others and build the world, and that is what I am and I was trying to do here.  Not just to get the old formulas from a referential book, but to get real opinions in real time, because that's what matters; how our own kind define revolution or reformation, because aren't revolutionaries and entrepreneurs the same thing?  The risk takers and idea makers that want to make a new world for everyone.  The problem is when the definition of value by one entity is made the definition of everyone by force, and its causes only obstruction.    “GIVE me control of a nation’s money supply, and I care not who makes its laws.”--Mayer Amschel Rothschild  ""It is not by augmenting the capital of the country, but by rendering a greater part of that capital active and productive than would otherwise be so, that the most judicious operations of banking can increase the industry of the country""--Adam Smith  Ironically, what both Adam Smith and Karl Marx agreed on was a fear that money would become an end to itself, which many people fear is true today.  Shouldn't we ask these questions more often?  I feel it's instinctive:  http://www.businessinsider.com/economy-of-the-future-2012-10"


Can you cite who funded it? A reddit commenter saying they say a ST commented claim something is a pretty sketchy source. Seattle Times says this is a UW study published by NBER, so I doubt its partisan propaganda as you're implying.


Amazon is nothing like Microsoft. Microsoft had a patent on a product that was quickly becoming a norm on people's lives. Amazon's business is more of a middleman service. Other businesses sell on Amazon's platform, so it can't be a monopoly. Plus, iirc Amazon barley even makes a profit


>The question is more like, do we want it?  I agree that's the issue, and without doing more research, I think it would be a good thing. Currently it makes almost no sense to hire a woman over a man, other things equal, due to pregnancy risk. Reducing some of maternity leave and making some paternity leave mandatory would reduce the disparity between sexes. Obviously women can breast feed and are more crucial to baby rearing than men in most cases, so they should still have more leave time, but men can play a part sometime after pregnancy.  Men taking leave currently doesn't make as much sense since they generally make more than women. However making leave mandatory can also help reduce wage disparity (if it exists, which is debated), nonetheless I don't see a way in which it can possible increase disparity.   Increasing equality isn't done just for the sake of equality. It is actually beneficial for the economy. Women are probably underutilized in the work force, and eliminating biological differences, makes the other factors much more important for them (intelligence, competence, etc.). In addition, women may focus more on their careers if they know a pregnancy doesn't completely stall them, relative to men, and that they are less expected to be primary children caretakers. This creates a more competitive and productive workforce as a whole.  However, making men take time off obviously reduces productivity a certain amount as they can't work, so you would have to weigh the pros and cons here carefully, which would be quite difficult. In addition, it would be quite lame to force a healthy, willing individual to stop working simply because his spouse has a child, even if his spouse wants to be the primary caregiver. That too can be harmful for mens careers and may possibly reduce the birthrate. Imagine a CEO or manager having to take forced paternity leave when his wife has a baby, that can be a career KILLER in upper management.


Your score is real-time, updating every time new data hits the reporting agencies. Dilip is correct, go over 20%, and it will hit the report, but then the score returns to normal after the next bill shows a sub-20% utilization.  Say your average spending is $1000, but your limit is $5000. There's no harm in asking for a small increase in the limit, or simply pay a bit toward the bill before the statement is cut. The bill and reported balance will be lower and your score, unaffected.


What you say makes sense in terms of getting a math degree.  At the very least, get a minor in math (split the difference).  A lot of people get a degree in applied math or operations research/applied math and later go on to careers in finance.  It's less theory and a little more practical application.


I'm not really that sad to see this. Looking at it, DRM's fruit pulp is a bitter pill enough to swallow, and their 400 masher was pretty galling. Especially when there are juicers on the market that take open source fruit, and are cheaper to buy.


I am also neither an attorney nor a tax advisor. Yes, the rent money you pay to your friend is taxable income, but suddenly all kinds of expenses around the house - including a fraction of the interest paid on the mortgage - become tax deductible. For example, let's say that the mortgage is $1000 / month and you pay your friend $500 / month. If you live in 50% of the house, then he can deduct 50% (plus or minus) of the expenses associated with owning the house, including: All of these things (50% of them, anyway) become tax deductible.  It'd be quite possible for him to take a loss on the endeavor and actually reduce his taxes every year. Until it comes time to sell; selling a property that has been used as a rental is more taxable than selling a property that has been a personal residence.


Easier to use calibre when you purchase the book to strip the DRM off the copy you paid for.  If you care about the 'morality' vs 'legality' arguement, this is a lot more straight forward.  'cause if you don't care, why are you buying it to begin with?


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"You realize that no matter what we need janitors right?  We need cooks at McDonalds, we need those low end jobs to function as a society.  So no matter how educated we get there will ALWAYS be someone at the bottom.  You can't just tell them to get more education because everyone is doing that.  Even if that individual does, then someone else is now at the bottom.  Now, I don't know the answer to the overall question of minimum wage but your ""solution"" is ridiculous."


It looks like the interest rate on bonds from 1995 is at least 1.41%. If it is from the earlier part of the year, the interest rate is 4%. Even if it is the latter, I'd say it is worth keeping, although you could likely do better in a CD, it would lock your money up. I'd consider it a part of my bond allocation in my investments and up the equity a little. You can use this link to get actual prices and interest rates: http://www.treasurydirect.gov/BC/SBCPrice


"You seem to be on the right track.  I feel, though, that it's worth addressing your maintenance budget.  Even if both cars described in your question are from the same model year, one has been in service 2x more; one car has been on the road, in weather, twice as much as the other.  I'm not sure what's being represented in the $6k of maintenance, but a whole host of systems can require maintenance or replacement at 200k+ miles.  A/C compressor, all sorts of rubber parts (seals, hoses, belts, bushings), computer systems, stereo, window regulators, the list goes on.  I don't know at what point the battery on a hybrid needs to be replaced, or what that replacement entails, but likely the battery or the hybrid recharge system will require something after 200k miles of service.  I would learn more about what actual maintenance a high mileage prius can experience. To answer your question though, at this level of ""used"" I don't think the dealership adds anything to the equation.  When you're buying certified pre-owned, the dealership/manufacturer relationship and warranty can be meaningful.  When you're buying a 100k+ miles car from a random small used car lot it might as well be a stranger on craigslist..."


The way Google leased to Apple, it would have cost them big time if they had kept using the Google Maps app. Add to the fact that Google would not release Turn-by-turn navigation, Apple decided to take a risk and build their own.  And even though they fucked up, they have the resources get their shit together and still make a profit. I'll be interested to see what happens next.


I'm a bond trader and we stayed away from this Tesla deal. Tesla is cash flow negative which is a terrible sign for a bond investor and is still relatively young and changing constantly. When assessing fixed income investments you want steady predictable cash flows and positive credit metrics. Tesla has none of that despite the run up in the stock. Even after taking all of these things into consideration the yields aren't even very high reflecting a compression in the amount of spread to treasuries investors are asking for taking on the risk in this kind of name. It speaks to an overvalued high yield market in general.  Ford on the other hand is a mature business with much more favorable credit metrics (debt interest coverage, consistent management, a credit history of borrowing and repaying their loans, etc.). All of these things are reflected in the yield that investors require when buying bonds.


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Will citizens advice be able to help me, or am I only going to get told to seek legal advice anyway? They are just advisory. i.e. help/guide people. They are not responsible for any outcome. What can I do as I'm not the person who's made payment or been paid, but I also don't want to cause the estate agent lots of work from my mistake, but legally no bank will talk to me anyway. You are right. You estate agent would have to follow-up with banks [which you have already done]. Will I have to seek legal action or the estate agent? Once you follow-up with the Banks and the Ombudsman, you should proceed to legal. Legally if it is a mistake on your part, the beneficiary is NOT entitled to the money and has to refund it. However establishing this takes a while and hence most of the times beneficiary does not pay back the money that is not rightfully his.


>It's almost as though there are violent people and some of them happen to be liberal  Lol. Surely you would use that same logic if  conservatives were the ones burning down college campuses because they don't want to hear an opposing opinion or violently disrupting Democrat campaign rallies right? Stop it.


They didn't report it was six figures a month, but I work in the industry and know that is the minimum cost for this type of service.  Putting Auto credit freezes on everyone seems like a good idea but I imagine the lenders would go up in arms if that happens because it would hault all new consumer debt.


If possible, I would open a Canadian bank account with a bank such as TD Canada Trust. You can then have your payments wired into that account without incurring costs on receipt. They also allow access to their US ATM network via TD Bank without additional costs. So you could use the American Affiliate to pull the funds out via a US teller while only bearing the cost of currency conversion. If that option can't work then the best route would be to choose a US bank account that doesn't charge for incoming wire transfers and request that the money be wired to your account (you'll still get charged the conversion rate when the wire is in CAD and the account is in USD).


"I'm far from certain, but I'll take a swing at it.  Equilibrium term structure models ""predict"" a term structure that we don't observe, and no-arbitrage models ""correct"" prediction to match reality.  An analogous place to look would be implied volatility surfaces.  Black-Scholes predicts a specific implied volatility surface (or rather, it assumes the surface is flat).  So I think a Hull-White-style no-arbitrage model might work by addressing the difference between predicted and actual surfaces.  Like term structure models, you'd take a set of observed volatilities and somehow plug them into BS so that the BS price didn't imply arbitrage opportunities within the observed set of options.  I'm not at all certain that I'm being clear, and there's a distinct possibility that I'm saying/thinking something stupid."


"The definition of insurance is the transfer of risk. Thus, you're paying for transferring of a risk (of an item/property) to the insurer (carrier), so that they bear the financial burden of a loss/accident and not you. You could always self-insure, but a lot of times, insurance is cheaper, since due to the ""Law of Large Numbers"" the insurer can just charge a premium that is small percentage in comparison to the cost of self-insuring."


"First, let me mention that the reasons mentioned this far for renting are excellent ones. But, I disagree. Second, I would like to mention that I'm just a regular Joe, not an accountant, or a realtor. That said, I was in a similar situation not that long ago. I ended up renting, but I wish I hadn't. You should check out the ""offers"" in your area. You seem like you're willing to compromise on a more standard, or older home. If that is the case and you are willing to ""settle"" for an older town-home, or something similar, it might be in your best interest to do so.  In my area for instance, the urban areas are becoming a bit crowded. This is good news for the people who already own homes in those urban areas, but bad news for people who are looking to rent an apartment (which tend to be located in urban areas) or buy a house in these urban areas. The reason I say that is simple; there is only one thing there will never be more of: land. If people are moving into these areas, and there is limited room to build structures, the demand is going up while the supply is unable to keep up. This means an increase in prices. BUT, this can also be used to your advantage.  As the demand for those urban areas goes up, the rural areas around the urban areas are likely to be subsidized. For instance, near me, if you're willing to be 20 minutes from the nearest Walmart and you have a 550+ credit score and a stable income, you're able to acquire a government subsidized loan with 0% down. (I would recommend dropping at least SOMETHING, however, if possible.) Apartments of the size your family is going to require are going to be expensive. People who own apartment buildings are looking to make the most money per square foot. This means most apartment complexes are going to be filled with 1-2 bedroom apartments, but have very few if any 3+ bedroom apartments. (Again, this is my general experience, but it may be different where you're living.)  I suspect the apartment your family is going to need is going to end up being very expensive, especially if people are moving into your town. You might consider trying to get a lower-quality house as apposed to a rare and large apartment for a few pretty obvious reasons: Don't misunderstand me, though. A lot of people get infatuated with the idea of being a home owner, and end up getting into something they will never be able to maintain, and if that happens it's something that's going to follow you for the rest of your life.  As for your student loans, if you NEED to and you qualify you can apply for hardship. This would mean that you don't have to pay anything, or pay a reduced rate for some arbitrary approved amount of time, or until some arbitrary circumstance is met. However, do not take this lightly. While doing this might not necessarily accrue interest (depending on whether or not your loans were subsidized or unsubsidized and a host of other factors it might actually halt interest) these loans will follow you even into bankruptcy. Meaning if you get your student loans postponed and end up losing the house anyway, you have to make a fresh start with a bankruptcy AND student loans on your back.  Furthermore, you can't count your chickens before they hatch, and neither will the banks. A big part of qualifying for a loan is your proof of income. If you haven't had that steady job for 6 months to a year or more, you're going to have a tough time getting a loan. Suppose your wife-to-be DOES start making that income...it's still not going to make a difference to the banks until they can say that it's not just a month long fling.  Last, after reading all this I want to tell you that I am BIAS. I happened to miss the opportunity I'm explaining to you now, and that affects what I think you should do in this situation. Weigh the options carefully and objectively. Talk to your fiance. Talk to your friends, parents, anyone who is close with you. Come to an educated decision, rather than the decision that might be more exciting, or the one you WISH you could take.  Good luck."


Hmmm. I assume to be accepted into a PhD/masters program without a masters one would have to be an absolute stud though. I come from a school that isn't too hot on academics. It is a large public research institution, but it's not a UT or Notre Dame type school. I guess I should talk to my professors about the whole process.


I have seen this happen with IRS checks, the bank told me that the IRS imposes the requirement.  Otherwise, though, I have frequently deposited checks made out to my wife into a joint checking account without her signature, they have never cared one bit.


> I know Verizon has a terrible rep about customer service, but I haven't had a terrible time (maybe I'm just lucky).  Really? VZW won the JD Powers & Associates awards for customer service several years in a row now. Also, Consumer Reports rates VZW's service and customer support among the best.


"Absolutely terrible idea(s) on many fronts. Firstly, why are you giving away equity at all? usually it's to attract people you otherwise wouldn't be able to hire (like extremely talented coders or business development managers) but normal employees? Bad idea. If you really want to give up equity, then make sure it's only realized (valued) once certain targets are met (i.e. sales/revenue/share price/investment etc). As for the nomenclature, they're not ""Co-Founders"" - that's typically reserved for the people that foundned the company, not just people who happened to be working for the company it started trading. Call them ""founding employee"" if you must, but they're certainly not founders. Why does this matter? If the company ever takes iff or you get investment, or you fire one of them or one just gets the idea to sue you, their position name suddenly REALLY matters, and by not being careful, they could win a substantial cut of your company in a lawsuit. there's even stories of employees ganging up on their bosses and they end up owning the company. I know someone that's been involved in high 8 figure suit for 7 years for exactly the same reason. So unless they're putting in startup capital or they're taking a serious hit on their salary in return for compensation in the form of equity, don't give anyone equity."


I'd have a good look at how much anonymity an LLC offers in your state - as far as I'm aware this varies from state to state. Out here in NV an LLC owner's privacy is supposedly fairly well protected, but in other states, not quite as much. Also keep in mind that while the LLC offers some protection (and I'm a big advocate of this sort of structure if you're taking larger risks that might have a big impact on your overall personal finances), this might not apply to financing. A lot of banks tend to require an LLC's owner to guarantee loans to an LLC once they go over a certain amount or even in general. Do some research in this area because the LLC would be worth less as a protective shield to you if you're on the hook for the full amount of the loans anyway.


But they don't fill the same roles oi society. You can't run into an Amazon that is 5 minutes away and grab a few things you need right away but you can with Walmart. Amazon filled the hole of easy online shopping with a focus on consumers. I understand that they can and could very well take out Walmart at some point but that also assumes Walmart will not adapt at all to the changes they certainly see coming. Assuming it happens soon implies Amazon nailing 1-2 hour delivery really soon. They will also need to have those virtual stores hammered down as well I think, though perhaps not. My point is that it's not nearly as cut and dry as you make it out to be and it's not imminent by any means.


To start, you should find someone in the field to give you IB advice. Also my numbering is unrelated to yours  1. Get on WSO/other websites, understand the job and KNOW TECHNICALS  2. Know that you can get an IB job from a non target, but it will take a lot of work and some luck  3. Getting the junior year internship is of the utmost importance  4. Networking is how you get interviews. Email every DePaul alumni you can find who's in IB no matter the role and get on the phone with some. Do the same for any person you know.  5. Have an amazing gpa  6. Did I mention networking already?


>I would much rather have my money in an up-trend.       Damn right.    Or at least have it liquid. We couldn't sell this house now, even though it's one of the best in the neighborhood. (The nice, but smaller, house across the street has been on the market for over a year.) A few other houses in the neighborhood didn't seem to have any problems being rented, though, so we could likely get rental income from this one if we wanted.


Mostly ditto Pete B's answer. There's little you can do about closing costs. Some closing costs are government fees. There's nothing you can do about this. Sad and unfair as it is, taxes are not optional and not generally negotiable. Title insurance and fire insurance are required by the lender. Even if you're paying cash, you don't really want to skip on these. If your house burns down and you have no insurance ... well, if you're worried about saving a few hundred on your closing costs, I assume that losing $200,000 because your house burned down and you have no insurance would be a pretty bad thing. Title insurance protects you against the possibility that the seller doesn't really legally own the property, maybe a scam, more likely a mistake or a technicality. You can, and certainly should, shop around for a better deal on insurance. Last couple of housing transactions I made, title insurance was a one-time fee of around $200. (I'm sure this depends on the cost of the house, where you live, maybe other factors.) Maybe by shopping around I could have saved $10 or $20, but I doubt there's someone out there charging $50 when everyone else is charging $200. Fire insurance you're probably paying a couple of thousand a year, more opportunity for savings. Typically the buyer and the seller each have a realtor and they split the fee. If you go without a realtor but the seller hires one, she'll keep the entire fee. So the only way to avoid this expense is if neither of you has a realtor. I've never done that. Realtors cost a ton of money but they provide a useful service: not only helping you find a house but also knowing how to deal with all the paperwork. Plenty of people do it, though. I presume they get the title agency or the bank or somebody to help with the paperwork. There are also discount realtors out there who don't show your home, do little or nothing to market it, basically just help you with the paperwork, and then charge a very low fee. Timing closing for a certain day of the month can reduce what you owe at closing time -- by reducing the amount of interest you pay on the first month's loan payment -- but it doesn't save you any money. You'll make it up over the course of the loan. You might possibly save some money by timing closing around when property taxes are due. Theoretically this shouldn't matter: the theory is that they pro-rate property taxes between buyer and seller so each pays the taxes for the time when they own the house. So again, you might need less cash at closing but you'll make it up the next time property taxes are due. But the formulas the banks use on this are often goofy. Maybe if you live some place with high property taxes this is worth investigating. You could skip the inspection. But inspections I've had done generally cost about $500. If they found something that was a major issue, they might save you from buying a house that would cost tens of thousands in repairs. Or less dramatically, you can use the inspection report for leverage with the seller to get repairs done at the seller's expense. I once had an inspector report problems with the roof and so I negotiated with the seller that they would pay for a percentage of roof repair. I suppose if you're buying a house that you know is run down and will require major work, an inspection might be superfluous. Or if you know enough about construction that you can do an inspection yourself. Otherwise, it's like not buying insurance: sure, you save a little up front, but you're taking a huge risk. So what can you control? (a) Shop around for fire insurance. Maybe save hundreds of dollars. (b) Find a seller who's not using a realtor and then you don't use a realtor either. Save big bucks, 6 to 7% in my area, but you then have to figure out how to do all the paperwork yourself and you severely limit your buying options as most sellers DO use a realtor. Besides that, there's not much you can do.


In the US, if it's a large donation to a tax-exempt organization (401c3 or equivalent), you may want to consider giving appreciated equities (stocks, bonds, mutual fund shares which are now worth more than you paid for them).  You get to claim the deduction's value at the time you transfer it to their account, and you avoid capital gains tax.  They would pay the capital-gains tax when they redeem it for cash... but if exempt, they get the full value and the tax is completely avoided.  Effectively,  your donation costs you less for the same impact.  It does take a bit of work to coordinate this with the receiving organization, and there may be brokerage fees, so it probably isn't worth doing for small sums.)Transfers within the same brokerage house may avoid those feee.) So again, you should talk to the charity about what's best. But for larger donations, where larger probably starts at a few thou, it can save you a nice chunk of change.


It’s a known fact that videos can take your advertising campaigns to the next level. But without animation, a video may seem to be a dead body. Decades back, creating cartoons was time-consuming and a strenuous process. But, now it’s extremely easy to create videos packed with loads of elements and components via animation video makers. Let’s know why you must opt for Animated Marketing Videos.


According to the Form W-8BEN instructions for Part II, Line 10: Line 10.   Line 10 must be used only if you are claiming treaty benefits that require that you meet conditions not covered by the representations you make on line 9 and Part III. For example, persons claiming treaty benefits on royalties must complete this line if the treaty contains different withholding rates for different types of royalties. In tax treaties, some of the benefits apply to every resident of a foreign country.  Other benefits only apply to certain groups of people.  Line 10 is where you affirm that you meet whatever special conditions are necessary in the treaty to obtain the benefit. If you are claiming that Article 15 of the U.S.-India Tax Treaty, you could use Line 10 to do this. It is important to remember that this form goes to the company paying you; it does not actually get sent to the IRS.  Therefore, you can ask the company themselves if filling out Line 9 only will result in them withholding nothing, or if they would need you to fill out Line 10.


That was my thought.  Looking at it, I'm thinking he's really got two big expenses that he's seeking the money for: New equipment/space to expand production capability with, and advertising funds to get his name out there.  He walked in and owned the room. He put his product in front of people, displayed to the sharks that customization was the name of the game, and was all over exactly that core idea with examples right out of the gate. Yeah, he was doing a pretty good job reaching his immediate investor audience, but let's be perfectly frank here: He turned the first few minutes of the show into a commercial for his product that he's not paying for, and it was a goddamned good commercial. Then he turned around and sold himself as part of that business to anyone who was watching.  If he'd been turned down across the board after that demo and then his dogged determination to keep himself at the helm while displaying that it really was best, and they'd aired that episode...he'd have had his investors. I don't question that a bit. He wasn't selling his idea to sharks, he was running a goddamned infomercial with them as his props.  Even if nobody bought in, he'd given himself a huge advertising boost, allowing him to sink more into production. He was a winner walking out of this no matter what.  EDIT: The royalties also made since from H's perspective. If I'd been in his shoes and had seen this guy in action, I'd have been willing to make that offer just to keep him in my pocket. This dude's already proven he has the personal resources to get a venture started at the basic level, and he's on the ball and a sharp salesman. Even if this hadn't panned out, I'd lay good money that that guy was going to go places, and I'd want a piece of the action when he finally had his break.


Correction: Myspace didn't buy Facebook.   And that was possibly the death of MySpace.  This is disrupting themselves so someone else doesn't do it, you have to admit they have picked winners thus far.   Match.com - serious dater  OkCupid.com - freemium model Tinder - mobile apps   I mean if you're not on one of those apps and you're doing online dating you're in a niche. Let alone their other less mainstream sites, which gives them near 100% market penetration.   I think it's pretty impressive.   They are outsourcing R & D and just buying innovation and based on their success stories it seems to be working for them.  I might be bias, I met my wife on OKC.


Our problem is not that a few interest groups have favor, our problem is that dividing the population by interest groups scatters the governments focus in too many directions, catering to many minute interests, often away from the common good. See pluralism/hyper pluralism.  http://m.sparknotes.com/us-government-and-politics/american-government/interest-groups/section5.rhtml  This is good politics. We don't want a government that only extends the protection of the law to majority groups, but this is also the exact reason why government can never be trusted with the distribution of goods and services. When you cater to that one asshole that has to have it his way, everyone else suffers. Why the fuck would you want that in charge of any part of the economy?


[Macabus](http://macabacus.com/learn) is one of my favorite resources. It walks you through the model, top to bottom - and best of all it's free.   When you get closer to understanding what you want to do long term, your firm will probably recommend/pay for a more comprehensive program like Training the Street or Wall Street Prep.   It's really hard to master this without working in the field, but if you can demonstrate that you have a strong grasp of the finance, accounting, and modeling (mainly excel) concepts, you will be a rockstar in your interviews.


We can support people incapable of or unwilling to support themselves without tampering with the labor market by setting an artificial wage floor. The real minimum wage is always 0. Any floor you set above that simply guarantees that someone not providing X dollars of value per hour to their employer will be unemployed.


I've done a paper on this subject all meme aside. I've read several pro-researches and contra. In all honestly I don't think an UBI is viable. The main reason being the inefficient spending of money.   It was a nice thought-experiment and a nice idea but unfortunately no


I'll break it down into steps. Total gain/ loss for the whole thing is 5 CAD. You only have to worry about these calculations if you keep some USD and convert it at your leisure.  Or if you have a US dollar in your wallet from your last vacation. Don't forget to subtract commissions (converted to CAD of course). *Some people just use an average exchange rate for the whole year, which you can also get from the BoC. ^There's $200 of tax free gains allowed for pure currency transactions.  This allows small gains to be ignored.


Why not get her a credit card of her own, while she is still in the US? My experience with Canadian banks is that they were delighted to issue credit cards to I-turned-18-yesterday with no income. We did not cosign these applications. You can then give her a budget and pay up to that amount of her credit card bill each month (you should be able to do this online.) Should she overspend, she may have to scrimp for a while until your payments bring the balance back to zero. Don't delay on this though: I doubt any UK bank will issue her a card with no credit history and having only just moved to the country. And get a chip and pin if you can, they work everywhere in Europe.


I thought the line is much blurrier than that though. Say you have a company with divisions. An overseas division makes an item, sells it to another division overseas for final packaging, then it's sold domestically. The domestic division should only pay taxes on the profits they earn, and overseas on the profits from what they ship.   But the company only wants to pay minimal taxes, so they set the foreign price high so that a majority of profits are made overseas. Who will argue that this isn't correct? Isn't that it? It's not foreign sales but interdivisional markup?


As soon as the USA left the gold exchange standard, total factor productivity began to dramatically stagnate.   We can trace it back to the early 1900s, but because of electricity, oil, automobiles and computers it is best to track it from Nixon taking us off the gold standard:  http://azizonomics.files.wordpress.com/2012/06/tfp.jpeg  Coincidence? I don’t think so — a fundamental change in the nature of the money supply coincided almost exactly with a fundamental change to the shape of the nation’s economy. Is the simultaneous outgrowth in income inequality a coincidence too?  Keynesians may respond that correlation does not necessarily imply causation, and though we do not know the exact causation, there are a couple of strong possibilities that may have strangled productivity:  1.Leaving the gold exchange standard was a free lunch for policymakers: GDP growth could be achieved without any real gains in productivity, or efficiency, or in infrastructure, but instead by just pumping money into the system.  2.Leaving the gold exchange standard was a free lunch for businesses: revenue growth could be achieved without any real gains in productivity, or efficiency.  And it’s not just total factor productivity that has been lower than in the years when America was on the gold exchange standard — as a Bank of England report recently found, GDP growth has averaged lower in the pure fiat money era (2.8% vs 1.8%), and financial crises have been more frequent in the non-gold-standard years.  Bottomline, it is the best explanation for a fall in productivity even factoring in computers.


> Subsiding green and taxing pollutants seems to be the only way to mitigate climate change  Sorry, no can do, that's government interference in economy.  (I am being sarcastic in order to show the short- sightedness of some laissez-faire advocates.)


Negative. I'm selecting all available historical data... to only focus on this last year is not relevant to which American car company has sold the most electric cars in the US. It doesn't mean it will last forever, but those are currently the numbers.


The one big drawback I know is when you take the mortgage credit, your credit ability is calculated, and from that sum all of your credits are subtracted, and credit limit on credit card counts as credit...  I don't know if it is worldwide praxis, but at least it is the case in Poland.


Moving along with the changes in the life is very crucial for growth. Changes come with various opportunities as well as threats in life. So, make changes accordingly is important. Also, understanding our own change process is helpful to personal growth and can help us to help others too.


From what I Understand, people put up with BofA because it's convenient in that there are branches everywhere in the country. Not sure if it's worth it, but if you're a normal banking customer, your won't face any of those fees.


"I invested in Prosper.com loans.  I'm getting out.  I only have about $37 left, and as the principal is doled back to me, I withdraw the money.  The default rate I experienced was over 30%.  Only six of the 53 loans I invested in were with borrowers whose credit rating was less than ""A.""  Borrowers with a rating of ""A"" and ""AA"" had a higher proportion of defaults that those below ""A"". Some of my blogging colleagues were wise enough not to start this game. Some who invest in other P2P lending are almost certainly doing it with ""found money.""  They post articles with affiliate links.  As people sign up, they get the commissions deposited in their accounts, which they invest.  As they update their blogs with the returns on their portfolio, it serves to encourage more signups, and the machine continues on.  Even if they lose money on the invested loans, they're still ahead.  To paraphrase John Chow's tagline:  They make money with Lending Club by telling people how much money they're making with Lending Club.  It's almost like investing with the house's money. My high default rate might be because I started earlier in the game.  Borrower screening and criteria have gotten tighter with time. I don't recommend investing in P2P loans.  My experience has been that a large percentage of borrowers requesting loans on these sites have run out of options, which the credit reporting doesn't reflect accurately enough."


Nothing you can say or do will help. I've tried to convince a friend to quit amway. Once people get emotionally invested there's no goin back. They've invested so much already and cutting one's losses is something people can't do.


Humans are not innately evil and manipulative creatures that try to screw others over. We just happen to live in an economic system that disproportionately rewards those willing to do those behaviors with money and power. People using the human nature argument are just trying to make themselves feel better for supporting an exploitative economic system. A form of self validation.


Rational reason. They like this method of paying. There is a delay between writing the check and having the money removed from the account. Their checkbook makes a carbon copy of the check, so they can update their balance easier. They can leave the store and update their checkbook register, or the spreadsheet or their Quicken or budget application data. They don't have to try and remember the amount, store name or date.


As a sole proprietor, the tax liability of your business is calculated based on combining your business income with your personal income together.  It is good advice to keep all personal and business financial matters separate. This makes it easier to prove to the IRS that all your business expenses are actually business related. In this case however, the two items [tax payment for personal income vs tax payment for business income] are inseparable. What you can do, however, for your own personal records, is calculate how much of your tax payment relates to your business. I wouldn't get complicated about this; I would simply take the net income of your business as a % of your taxable income, and multiply that against your tax payment. ie: if your business net income is $10,000, and your total taxable income is $50,000, and you paid $6,000 in taxes, I would record that 20% of the $6k was related to business income. If you have a separate bank account for your sole proprietorship, you could make a transfer to your personal account of $1,200, and then make the $6k payment from your personal account. Remember that tax payments for either your sole proprietorship and your personal income will be treated the same: federal tax payments are not tax deductible, and state tax payments are tax deductible, whether they were paid for your sole proprietorship or the rest of your personal income. So even though this method is simplistic [for example, it doesn't factor in that different investment income types earned personally will have a lower rate than your sole proprietorship income], any difference wouldn't have an impact on any future tax liability. This would only be for your own personal record keeping.


If you read all that paperwork they made you fill out at the emergency room, there is probably something in there explicitly stating that you owe any bills you rack up regardless of what happens with the insurance company. They generally have a disclaimer that filing for you with your insurance company is a courtesy service they offer, but they are not obliged to do it.  Ultimately, you are responsible for your bills even if the provider slow-billed you.  Sorry.


The funny thing is  - this is total bullshit, the major assumption underlying VAR along with many other financial products is that your assets have a certain correlation to oneanother, and you calculate your risk hedges on this assumption. VAR is a terrible way of managing firmwide risk, and always will be, because it doesn't protect you from a deleveraging environment, when all asset values fall and former inverse correlations don't protect you anymore.


If you think it’s the “small government” guy doing this then you're really missing information. It’s all the Democrats and Republicans. If you don’t believe me, just check out the story of the Comcast/GE merger and how much of the Obama administration was made up of Comcast execs.


Because the federal government won't use the money to buy a car thus generating profits for the car company. The aim of cheap loans is to drive sales of cars. The difference between the amount of interest paid on the loan, and the amount they could have got by investing it elsewhere, is simply a reduction in the profit. This is true whatever the actual interest rates are.


If you itemize your deductions then the interest that you pay on your primary residence is tax deductible. Also realestate tax is also deductible. Both go on Schedule A. The car payment is not tax deductible.  You will want to be careful about claiming business deduction for home  or car. The IRS has very strict rules and if you have any personal use you can disqualify the deduction. For the car you often need to use the mileage reimbursement rates. If you use the car exclusively for work, then a lease may make more sense as you can expense the lease payment whereas with the car you need to follow the depreciation schedule.  If you are looking to claim business expense of car or home, it would be a very good idea to get professional tax advice to ensure that you do not run afoul of the IRS.


"When private companies are dishonest, or ""run roughshod over workers"", if effects no one but those workers.  It also puts that company at a competitive disadvantage as employees don't want to work there.  This creates an opening in a competitive market for an honest company to grow.  Plus, there will always be honest and respectful companies to work for as long as a market is competitive (little regulation).  I work for a very large company today that values its employees greatly.  When unions are dishonest, especially public employee unions, it takes its toll on everyone.  Their salaries and benefits come from our local property and state income taxes.  Their dishonesty is a growing financial burden to my family and friends.  In no way does a higher percentage of union workers benefit ""everyone"".  It benefits those specific union workers who are unfairly given money that has been forcefully taken from a tax payer."


If you're worried about the account number just take a statement and black out the account number with a Sharpie or the like.  That is if the account number even appears on it, these days it often doesn't.


"Pre-edit, Pete mentioned that he feels real estate agents would (a) like you to buy as much house as you afford, and (b) would love to show you three houses and have you choose one.  As a real estate agent myself, I believe his warnings were understated. As with any industry, there are good and bad people. Agents are paid to move houses. If the median US home is under $200K, and commissions average say 5%, the $10,000 to be gained is split between the buyer brokerage and selling agent. The $5000 to each is then shared with 'the house.' So, this sale would net me $2500, gross. Move one a week, and the income is great, one per month, not so much. Tire kickers will waste an agent's time for a potential decision to wait another year and continue renting. Their obligation is to tell you the truth, but not to offer financial advice.  Remember the mortgage crisis? It seems the banks and brokers aren't watching out for you either. They will tell you what they'll lend you, but not what you can afford. These numbers are worlds apart.  I strongly recommend a 20% downpayment. The FHA PMI calculator shows that a 90% LTV (i.e. a 10% downpayment) for a $100K house will cost you $1200/yr in PMI. Think about this. For the $10,000 that you didn't put down, you are paying an extra $1200 each year. This is on top of the interest, so even at 5%, that last $10,000 is costing nearly 17%. If you can't raise that $10K (or whatever 10% is on that house) in cheaper funds, you should hold off. Using the 401(k) loan for this purpose is appropriate, yet emotionally charged. As if suck loans are written by the devil himself.  ""Buy the biggest house you can""? No. I have a better idea. Buy the smallest place you can tolerate. I have a living room (in addition to family room) that has been used 3 times in 20 years. A dining room we actually use. Twice per year. When your house is 50% too big, you pay 50% more property tax, more utility bills, and more maintenance. Closing costs, commission, etc, isn't cheap, but the lifetime cost of living in a too-big house is a money pit."


Both Wells Fargo and Chase are participants in clearXchange, which enables the various QuickPay type services to work with each other.  They may be using this system rather than an ACH wire transfer to transfer your money (and to verify the account).


"To answer the heart of your question, it would be illegal for any credit bureau or creditor to somehow ""penalize"" you just for trying to make sure that what's being reported about you is accurate.  That's why the Fair Credit Reporting Act exists -- that's where the rights (and mechanisms) come from for letting you learn about and request accurate reporting of your credit history. Every creditor is responsible for reporting its own data to the bureaus, using the format provided by those bureaus for doing so. A creditor may not provide all of the information that can be reported, and it may not report information in as timely a manner as it could or should (e.g., payments made may not show up for weeks or even months after they were made, etc.). The bottom line is that the credit bureaus are not arbiters of the data they report.  They simply report.  They don't draw conclusions, they don't make decisions on what data to report.  If a creditor provides data that is within the parameters of what the bureaus ask to be provided, then the bureaus report precisely that -- nothing more, nothing less. If there is an inaccuracy or mistake on your report, it is the fault (and responsibility) of the creditor, and it is therefore up to the creditor to correct it once it has been brought to their attention.  Federal laws spell out the process that the bureau has to comply with when you file a dispute, and there are strict standards requiring the creditor to promptly verify valid information or remove anything which is not correct. The credit bureaus are simply automated clearinghouses for the information provided by the creditors who choose to subscribe to each bureau's system.  A creditor can choose which (or none) of the bureaus they wish to report to, which is why some accounts show on one bureau's report on you but not another's. What I caution is, just because a credit bureaus reports on your credit doesn't mean they have anything to do with the accuracy or detail of what is being reported.  That's up to the creditors."


I don't get that comparison at all. The guy still gets his. Business profits go up and down. Real CEO's figure out how to make more profits under given circumstances. Whiny children complain about it not being fair and fire all their staff out of spite.  If I was a shareholder I'd be worried. Not about Obama but about the loose cannon CEO that is threatening to devalue my stock out of spite because he doesn't know how to run a business properly.


"The logic ""the interest rate on the mortgage was so low it didn't make sense not to buy"" is one reason the housing bubble happened. The logic was that it made the house affordable even at high prices. Once the prices collapsed people still had affordable payments, but were unable to sell because they were upside down on the mortgage. If you can refinance to a 15-year mortgage, or from a adjustable mortgage to a fixed rate mortgage. it can make sense. You can save on the monthly payment, and on the total cost of the mortgage. But don't buy to take advantage of rates; or to save on taxes; or to build a guaranteed equity. These can be false economies or things that can't be gaurenteed. Of course if nobody spends money, the economy will stay poor. As to hidden details. Only purchase housing you want to own for the long haul. If you expect to flip it in a few years, you might not be able to. You might end up stuck as a long distance landlord."


So, if it was a personal account, and not an investment in Refco, you should have been insured by the SIPC for $500,000 for your securities, and $100,000 or more for cash.    If you had all your money invested in Refco, you weren't diversified, which is one of the first rules of investment.  It's not fun to learn this the hard way, I know from experience, but you should never invest more in any one stock than you can afford to lose.  Learn from your mistakes rather than blame the big guys vs little guys.


Another suggestion I heard on the radio was to give the child the difference between the name brand they want, and the store brand they settle on.  Then that money can be accumulated as savings. Saving money is as important a feature of the family economy as earning money. Be careful with what you have a child do for reward vs what you have them do as a responsibility.  Don't set a dangerous precedent that certain work does not need to be done unless compensation is on the table.  You might have a child who relies on external motivations only to do things, which can make school work and future employment hard. I would instead have my child do yard work, but while doing it explain opportunity costs of doing the work yourself vs hiring out.  I would show my kid how saving money earns interest, and how that is essentially free money.


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"Yes!  It all starts with the family unit and an emphasis on education.  One common trait I see in both rural white ""redneck"" communities and urban black ""ghetto"" communities is a propensity towards anti-intellectualism.  In both of those communities, studying, schoolwork, and getting good grades is kind of looked down upon or ridiculed.  The community seems to view this as the student thinking he/she is ""better"" than they are.    Being from a small town in Georgia, I saw more of the redneck side of it.  Fortunately, I was in a family that emphasized education.  That is the reason I'm where I'm at today."


"**Here's a sneak peek of /r/NoCorporations using the [top posts](https://np.reddit.com/r/NoCorporations/top/?sort=top&t=all) of all time!**  \#1: [Did you know that before 1973 it was illegal in the US to profit off of health care. The Health Maintenance Organization Act of 1973 passed by Nixon changed everything.](https://np.reddit.com/r/conspiracy/comments/5znp70/did_you_know_that_before_1973_it_was_illegal_in/) | [11 comments](https://np.reddit.com/r/NoCorporations/comments/5zrg1k/did_you_know_that_before_1973_it_was_illegal_in/)   \#2: [Congresswoman behind bill to let ISPs sell your search history took $693,000 from industry: ""Representative Blackburn hasn't done a single thing that crosses the phone and cable lobby""](http://www.vocativ.com/415350/house-rep-pushing-to-set-back-online-privacy-rakes-in-industry-funds/) | [4 comments](https://np.reddit.com/r/NoCorporations/comments/61zmax/congresswoman_behind_bill_to_let_isps_sell_your/)   \#3: [The FCC is actively working against consumers](http://bgr.com/2017/08/12/fcc-net-neutrality-rules-ajit-pai/) | [13 comments](https://np.reddit.com/r/NoCorporations/comments/6tfnae/the_fcc_is_actively_working_against_consumers/)  ---- ^^I'm ^^a ^^bot, ^^beep ^^boop ^^| ^^Downvote ^^to ^^remove ^^| [^^Contact ^^me](https://www.reddit.com/message/compose/?to=sneakpeekbot) ^^| [^^Info](https://np.reddit.com/r/sneakpeekbot/) ^^| [^^Opt-out](https://np.reddit.com/r/sneakpeekbot/comments/6l7i0m/blacklist/)"


"A lot (sometimes called a round lot) always refers to the quantity of physical good that you're getting, like a carton of eggs or a barrel of oil.  The tricky thing in the case of forex is that the physical good also happens to be a currency. A spot currency product trades in the denomination on the right-hand side (RHS) of the product name.  So if you're buying EUR/USD you are paying USD currency to get EUR ""units"", and if you're selling EUR/USD you are receiving USD by giving away EUR ""units"".  The EUR is the ""physical good"" in this case. The way I remember it is to think of all products (not just currencies) as trading pairs.  So AAPL in my mind is AAPL/USD.  When I buy AAPL/USD I am paying USD to get AAPL units.  When I sell AAPL/USD I am receiving USD by giving away AAPL units. The thing on the left is the physical good (even if it happens to be money) that you are exchanging, and the thing on the right is the money that you are exchanging. So, when I buy a lot of AAPL, I am buying 100 shares at their current price in dollars. Similarly, when I buy a lot of EUR/USD, I am buying 100K Euros at their current price in dollars."


This is why I'm wavering on chain restaurants. They used to be kind of a decent deal, now they're just bullshit. The food got worse and the prices went up. Don't get me started on Italian restaurants. 15 dollars for a plate of pasta, give me a fucking break.


"In the US, a private company with less than 500 owners can dictate who can or can't become a shareholder (this is true in general, but I'm sure there are loopholes).   Prior to Google's IPO I could not buy shares in Google at any price.   The reason Google was ""forced"" to go public is the 500 shareholder rule.   At a high level, with 500 shareholders the company is forced to do some extra financial accounting and they no longer can control who owns a share of the company, allowing me to purchase shares of google at that point.  At that point, it typically becomes in the companies best interest to go public. See this article about Google approaching the 500 shareholder limit in 2003. Further, Sorkin is not quite correct that ""securities laws mandate that the company go public"" if by ""go public"" we mean list on a stock exchange, available for general purchase.   Securities laws mandate what has to be reported in financial reporting and when you have to report it. Securities laws also can dictate restrictions on ownership of stock and if a company can impose their own restrictions. A group of investors cannot force a company onto a stock exchange.   If shares of Facebook are already for sale to anyone, then having >500 shareholders will force Facebook to file more paperwork with the SEC, it won't force Facebook onto the NYSE or NASDAQ.   When that point is reached, it may be in Facebook's best interest to have an IPO, but they will not be required by law to do so. Update:  CNN article discusses likely Facebook IPO in 2012. When companies have more than 500   shareholders, they're required to make   significant financial disclosures --   though they can choose to remain   private and keep their stock from   trading publicly. However, most   companies facing mandatory disclosures   opt to go public. The Securities and Exchange Commission   gives businesses lots of time to   prepare for that milestone. Companies   have until 120 days after the end of   the fiscal year in which they cross   the 500-shareholder line to begin   making their disclosures. If Facebook   tips the scale this year, that gives   it until April 2012 to start filing   financial reports."


> It's been awfully difficult for clean energy startups to raise money lately, and funding those startups would have a lot more impact.  With so many green startups going bankrupt, it must seem like a risky and fruitless investment.


Just my opinion..in Canada uni and college are different ..college is much more practical and short term  for example I can go learn HVaC (trade)in 6-8 months and have a job within a year or so) in college. I don't think there are courses more than 3 years in college (unless it's linked to university, but that college and uni usually have an agreement of some sort ) ..it is also difficult to transfer credits from college to university (rather complex system up here) I went to college for nursing 3 years ..my loans are under 18k total I'm set to make 50k minimum ..college here is worth it to me. Now they've made it free to go to college if you make under 45k a year in the province of Ontario so now it's def worth it lol 😂 But I have many friends who are in the states, and they have terrible majors like global studies and some other nonsense I've never heard before, its clear that there is no job description for that and the institution is swindling students ..seems that you have to be in the right field of study to be successful ..just my two cents ..depends on the country as well


"From what you say, a savings account sounds like the most appropriate option.  (Of course you should keep your checking account too to use for day-to-day expenses, but put money that you want to sock away into the savings account.) The only way to guarantee you won't lose money and also guarantee that you can take the money out whenever you want is to put your money in a checking or savings account.  If you put it in a savings account you will at least earn some paltry amount of interest, whereas with a checking account you wont.  The amount of interest you earn with only a few hundred (or even a few thousand) dollars will be miniscule, but you know that the nominal value of your money won't go down. The real value of your money will go down, because the interest you're earning will be less than inflation.  (That is, if you put $1000 in, you know there will be at least $1000 in there until you take some out.  But because of inflation, that $1000 won't buy as much in the future as it does today, so the effective buying power of your money will go down.)  However, there's no way to avoid this while keeping your money absolutely safe from loss and maintaining absolute freedom to take it out whenever you want. To address a couple of the alternatives you mentioned: It's good that you're thinking about this now.  However, you shouldn't worry unduly about ""getting the most out of your money"" at this stage.  As you said, you have $400 and will soon be making $200/week.  In other words, two weeks after your job starts, you'll have earned as much as your entire savings before you started the job.  Even if all your cash ""went down the drain"", you'd make it up in two weeks. Of course, you don't want to throw your money away for nothing.  But when your savings are small relative to your income, it's not really worth it to agonize over investment choices to try to get the maximum possible return on your investment.  Instead, you should do just what you seem to be doing: prioritize safety, both in terms of keeping your money in a safe account, and try to save rather than spending frivolously.  In your current situation, you can double your savings in one month, by working at your part-time job.  There's no investment anywhere there that can even come close to that.  So don't worry about missing out on some secret opportunity.  At this stage, you can earn far more by working than you can by investing, so you should try to build up your savings.  When you have enough that you are comfortable with more risk, then you will be in a position to consider other kinds of investments (like stock market index funds), which are riskier but will earn you better returns in the long run."


Short answer is yes, all the firms are required to keep enough resources on hand to pay claims that may arise from even extreme events like the recent hurricanes.  Insurance firms are rated based on their claims-paying ability and it is absolutely critical for them to maintain enough cushion to pay claims.  If insureds lose confidence, they won't be able to write any more business, and they are done.  In addition, to manage tail risks, primary insurers like Allstate will often purchase reinsurance.  So, for example, Allstate might go to Swiss Re and buy a policy that kicks in once Allstate's liability exceeds $5bn for a given event.


Whether the amount so received from my son is taxable as my income in India ? No there is no tax liability for you. The money you received from you son would be treated as Gift and would come under Gift-Tax rules. As per current Gift Tax rules, you can receive unlimited funds from close relative, like your son. Any income you generate on these funds, i.e. interest on savings account, FD, etc is taxable to you. Your son maybe liable for taxes in US as in US Gift tax is on donor [i.e. your son]. The yearly limit is $14000 per person after which it can be deducted from estate limit or taxes paid.


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"Oh look, exactly what technology folks have been saying for a while now!  ""They're just asking for the moon, and not expecting to pay very much for it,"" Cappelli says. ""And as a result they [can't] find those people. Now that [doesn't] mean there was nobody to do the job; it just [means] that there was nobody at the price they were willing to pay.""  Wanted, graybeard with 20 years programming experience in obscure languages on expensive and rare systems. Starting pay $25k, expected to work 60 hours a week and be oncall all the time."


"Tennessee is piloting a TSA ""on the ground"" program called [VIPR](http://en.wikipedia.org/wiki/Visible_Intermodal_Prevention_and_Response_team). This involves stopping vehicles and searching. From a liberty standpoint, this is in direct opposition to [Freedom of movement](http://en.wikipedia.org/wiki/Freedom_of_movement)  In addition, the same article mentions: ""Current US Code addresses air travel specifically. In 49 U.S.C. § 40103, ""Sovereignty and use of airspace"", the Code specifies that ""A citizen of the United States has a public right of transit through the navigable airspace."""""


Since recent changes to credit scoring (July 2017) it may not be necassary to do this, as more emphasis is placed on having a timely payment history and less emphasis is placed on having a low credit utilization ratio. Using what’s known as trended data is the biggest change. The phrase   means credit scores will take into account the trajectory of a   borrower’s debts on a month-to-month basis. In fact, having a low credit utilization ratio may even negatively effect you (if your available credit line value is high): ... VantageScore will now mark a borrower negatively for having   excessively large credit card limits, on the theory that the person   could run up a high credit card debt quickly. Those who have prime   credit scores may be hurt the most, since they are most likely to have   multiple cards open. But those who like to play the credit card   rewards program points game could be affected as well. source


I received the same error message and was able to resolve the issue by checking line 7 of my 1040 form( where the total income from wages,tips,etc as stated on the W-2) and deleting the quantity I had placed in either of the gray boxes. If you wrote the sum of your income on the doted lines in either of the gray areas of line 7 (or other such areas on other lines) then this error might result. The grey areas as I understand it, are reserved for certain descriptors which are defined in the 1040 instructions included with the free file fillable form 1040.


If they charge a fee to accept an item, it's reasonable to assume the item has insignificant value, so the only tax-deductible bit would be the money you donated to their charity. What you describe sounds like a fee for service, not a charitable donation. The organization should provide a fee breakdown to show what percentage (if any) of the fee is a deductible contribution. There could be some additional PA-only tax benefit, but I didn't come across anything in my brief search.


You are missing that loads of people want a car that does not run on fossil fuel. And Tessla is currently the only one who is dedicated to offering this.   You are also missing that Tessla is now the game changer of the car industry. Think what you will of the man and the products. But the traditional auto industry is terrified. They see that people clearly want something that they have difficulties offering with their huge production lines for motors, gear boxes and what have you.  Tessla might go bust. But the auto industry will never again be what it was.


The mortgages were pooled with other mortgages and sold off to other firms, in theory mitigating the risk. However, the reason lenders searched out these types of deals was because they could use the lack of credit rating etc as an excuse to charge much higher interest rates.   Chase and most lenders made their money by borrowing their funds from some other institution and then lender it out to these borrowers so they were always looking for a large yield spread. Account Executives made more money on sub prime because everyone made more money on those deals.   That is of course, until the pools hit a percentage rate of foreclosures, forcing a buy back of the pool. Then all of the small time players, like New Century went bust when their investors called them to buy the pools of mortgages back.


The more the stock is worth, the more it needs to rise to make a profit. You can buy some stock from Google or amazon, but that's about all the stock you'd have... Start small with companies you know and trust that have an upward trend.


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If the interest rate in both mortgages is the same, then yes, you will end up paying the same amount in interest if both are paid off in 15 years. However, in practice, almost always a 15-year mortgage will have a much lower interest rate that a 30-year mortgage. Also, if you are thinking of taking out a 30-year mortgage with the intention of paying it off early, make sure it does not have an early payment penalty; this is a penalty the bank will charge you if you pay back the loan early.


Pay the debt down. Any kind of debt equals risk. No debt equals no risk and a better chance to have that money earn you income down the road once it's invested. That and you will sleep so much better knowing you have ZERO debt. You 6 month emergency fund is probably good. Remember to keep it at 6 months living expenses (restaurants don't count as living expenses).


That's the way society works. I pay for my local schools (both in CA and OK). I'm okay with that because it is the kind of society I want to live in. I also pay a fuckload for the military. I'm not sure I'm getting good value for those payments.


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