"In the U.S. at least, a lot of these CoinStar machines are now owned and operated by the store or other venue in which they're placed, as a convenience to customers, and the fee for using it is waived.  These machines, even without a fee attached, are still beneficial to the store, for two reasons. First, they bring in potential customers; the machine usually spits out a ticket that you take to the cashier, meaning you pass by all the impulse items they put in the checkout lines, and someone using the change catcher will invariably pick up a pack of gum or a magazine to spend your newfound wealth. The fact that one store has a change machine while another doesn't can also be the difference between choosing that store over the other for a planned shopping trip. Second, and less obvious, a store that owns a CoinStar machine has full access to the change people put in it (hey, they own the machine and are paying out cash on the receipts it spits out). During normal use of a cash drawer or register to take in money, large bills ($20/20€ or larger) are accumulated to be ""broken"", small to medium bills (1-10 units) stay roughly static in number as payments are made and larger bills are broken, and coins are invariably depleted as change is paid out. This means the average retail store needs a constant incoming supply of coinage, and that generally happens either through armored car service or similar commercial banking (which costs the store money), or through ""change catchers"" like gumball machines (which usually can't supply all the needed denominations). The Coinstar machine effectively reverses at least a portion of this attrition of coins and accumulation of large bills; the store can now receive coins and pay out large bills as a part of its day to day business, reducing or even eliminating the need to have a bank or armored car perform this service. Anyway, check and see whether the CoinStar machine you last used is still operating on a percentage-fee basis; it might be the case that the store has purchased the machine outright and is offering its services free of charge. If not, look around; other stores may be waiving the CoinStar fee where this one isn't (or they may have similar, non-CoinStar branded machines). Lastly, as other answers have mentioned, if you cash out in the form of a gift card, there's no fee, so you can pick a gift card to a store you're likely to visit anyway; in the U.S. there are a lot of good choices, like home improvement stores, Starbucks, major department stores/clothing retailers, and even an airline."


You raised the issue, war is undertaken with gov't spending. What am I supposed to do, not give the correct answer?  Edit: I agree that it's a nihilistic view, and I do dislike nihilism, but as my dick of a dad used to say, even a broken clock is right twice a day


There are online tax prep sites, H&R Block among them. You'll be able to enter your projected details, and do a 'what-if' type scenario by adding things that impact the return. You don't mention any Schedule A deductions. No mortgage? Planning to have money taken off the top to a 401(k)?


First thing to consider is that getting your hands on an IPO is very difficult unless you have some serious clout. This might help a bit in that department (http://www.sec.gov/answers/ipoelig.htm) However, assuming you accept all that risk and requirements, YES - you can buy stocks of any kind in the US even if you are a foreigner. There are no laws prohibiting investment/buying in the US stock market. What you need is to get an online trading account from a registered brokerage house in the US. Once you are registered, you can buy whatever that is offered.


> Bullshit. Entrepreneurs start businesses where it's easiest for start businesses, and if all of their networking contacts are here, the infrastructure they need to start their company is here, and the target market is here, they aren't going anywhere.  Part of being an easier place to start a business includes low tax rates, minimal (smart) regulations, state of the art infrastructure, and a highly educated and healthy work force. Notice how Republicans champion the first 2 and ignore the second 2 while the Democrats are vice versa.   I don't know why everyone focuses so much on the marginal rate of the rich, you can tax the rich 99% and you still won't have enough revenues to cover our budget deficit let alone make the investment we need in infrastructure, health, and education. Why don't we talk about how America can be competitive in a globalized market and what will have the highest return on investment. If we are raising taxes on the top 1% just to fund wars in iraq, then fuck that. If we are doing it to help fund our education system, then it only benefits them and everyone else even more because it will grow our economy. It's an investment, not a tax.


"These people are pretty off. Insider trading cases, outside of a tender offer context, require some sort of a breach of duty. It's not simply ""non-public material information"". You have to trade securities in interstate, based on or while in possession of the material non-public information, and in doing so is a breach of duty owed to the company or to the information source.  Now simply saying ""personal info"" about an executive does not tell me much about its materiality. So assuming it passes the materiality test, and assuming you yourself aren't a corporate insider, then the only thing left to discuss is whether or not it is misappropriation. To be misappropriation you need to be breaching some duty owed to your information source. Now this isn't just principal-agent duty, this can extend to friends and family if there is a pattern of keeping confidences. So unless you're this guys brother or doctor there really isn't a strong claim against you."


You can find the national average interest rates on commercial bank accounts from the FDIC or nicely aggregated [here from the St. Louis Fed.](https://fred.stlouisfed.org/search?st=National+Rate+on+Non-Jumbo+Deposits+%28less+than+%24100%2C000%29%3A+Savings)  [Here is the national average interest rate on savings accounts.](https://fred.stlouisfed.org/series/SAVNRNJ)  If you are looking for a general historical proxy for a savings account interest rate, then the effective federal funds rate or overnight LIBOR is a good estimate prior to the 2008 financial crisis.


You are right that Facebook really doesn't get impacted as they got their $38. However it would make it slightly more difficult for Facebook to raise more money in future as large investors would be more cautious. This can keep the price lowers than it actually needs to be. Quite a few companies try to list the IPO at lower price so that it keeps going up and have more positive effect overall there by making it easier for future borrowings. See related question Why would a company care about the price of its own shares in the stock market?


"So, let's get this straight.  You didn't bother to read any of those infant-digestible sources so you didn't see that East Asians and Indians test higher than most white ethnicities, and that sub-components of IQ variants vary across ethnicities too.  You're also arguing that a single sigma below the mean IQ makes someone ""functionally retarded,"" which yet again showcases your never-ending depths of willful ignorance in this and other psychology/biology/neurology-related subjects.  You may be functionally retarded and illiterate to boot, but you don't need to project those insecurities onto whole groups of ethnicities. We noticed those traits of yours well before your word salad deflections arrived at this dramatic climax."


I hear this a lot but how does it work exactly? Is it the more money you have in your share (savings) account the more weight your vote carries? Or does each member get one vote?  I've been a credit union member for 15 years and have never had any say in anything. I also work for a small bank and both institutions are basically the same. My bank has better rates than my credit union on lended money but my CU pays higher rates on my money. My bank is also a publicly traded company and has regular meetings in which any shareholders can come voice their opinion, I've never heard anything about such activity with my credit union.


A used luxury car coming out of lease is usually very affordable. They are usually in good condition, still look relatively new, and are within the same price range as a newer Toyota or Honda.


"As a person who has had several part time assistants in the past I will offer you a simple piece of advise that should apply regardless of what country the assistant is located. If you have an assistant, personal or business, virtual or otherwise, and you don't trust that person with this type of information, get a different assistant.  An assistant is someone who is supposed to make your life easier by off loading work. Modifying your records before sending them every month sounds like you are creating more work for yourself not less. Either take the leap of faith to trust your assistant or go somewhere else.  An assistant that you feel you have to edit crucial information from is less than useful. That being said, there is no fundamental reason to believe that an operation in the Philippines or anywhere else is any more or less trustworthy than an operation in your native country. However, what is at issue is the legal framework around your relationship and in particular your recourse if something goes wrong.  If you and your virtual assistant are both located in the US you would have an easier time collecting damages should something go wrong.  I suggest you evaluate your level of comfort for risk vs. cost.  If you feel that the risk is too high to use an overseas service versus the savings, then find someone in the states to do this work.  Depending on your needs and comfort you might want to seek out a CPA or other licensed/bonded professional.  Yes the cost might be higher however you might find that it is worth it for your own piece of mind. As a side note you might even consider finding a local part-time assistant. This can often be more useful than a virtual assistant and may not cost as much as you think. If you can live without someone being bonded.  (or are willing to pay for the bonding fee) yourself,  depending on your market and needs you may be able to find an existing highly qualified EA or other person that wants some after hours work.   If you are in a college town, finance, accounting or legal majors make great assistants.  They will usually work a couple hours a week for ""beer money"", they have flexible schedules and are glad to have something pertinent to their degree to put on their resume when they graduate.  Just be prepared to replace them every few years as they move on to real jobs."


A constant answer which I see brought up in a variety of forums is the complaint that schools don't teach money management (budgeting) and how to do taxes.  Another good bit of information would be to take apart a credit card statement, show how the interest is calculated, etc.  I'd start with those topics, which might take a bit of research on your part (many adults don't understand many of these concepts either), and then build from there.   I remember the first time I was able to go from a list of transactions on a credit card statement, and calculate the interest owed from the average daily balance, and it was like a light coming on.  Most people use these concepts on a regular basis, but have no conception of what's going on beneath the surface.


You think this mag would lie about the German?   How is any carmag going to survive if it doesn't do e?  Have you established for your /r/business readers here a real and substantial connection with this magazine to the carbon business, upstream and/or down or are you hurling baseless accusations here because you like to see yourself in print and  ....it suddenly occurred to you......


Digg was more than a reskin. They essentially turned the site into subscribable islands with no real default and unique homepages for all users. This killed both content supply (who wanted to produce and share content with just a few random folks) and communal shared experience.


Inverters ultimately helps in achieving lower or higher voltage levels in the system. Isolators are popular components used in traditional electronic devices such as laptops and cellular phones and in various medical applications.You can easily purchase Inverters And Isolators at affordable cost from an online store or electronic store.


Marketwatch said that fedex cut capacity and raised prices. Interesting to consider whether this gives UPS a chance to steal some of their business. Perhaps people prefer better service as you say.  > Fuel costs year to date at FedEx have increased sharply from a year ago and threatened to erode profit margins; Jet fuel alone was up about 42% in the recent quarter.  > But by tempering capacity, particularly within the company’s trucking fleet, the company has been able to charge more for its service, Barnes said.  > Though there may have been some loss of business because of the higher prices, expanding global trade has so far kept demand robust and most customers have accepted the new costs.   http://www.marketwatch.com/Story/story/print?guid=708C76C4-9CC6-11E0-8019-002128049AD6


Investopedia has a section in their article about currency trading that states: The FX market does not have commissions. Unlike exchange-based markets, FX is a principals-only market. FX firms are dealers, not brokers. This is a critical distinction that all investors must understand. Unlike brokers, dealers assume market risk by serving as a counterparty to the investor's trade. They do not charge commission; instead, they make their money through the bid-ask spread. Principals-only means that the only parties to a transaction are agents who actively bear risk by taking one side of the transaction.  There are forex brokers who charge what's called a commission, based on the spread. Investopedia has another article about the commission structure in the forex market that states: There are three forms of commission used by brokers in forex. Some firms offer a fixed spread, others offer a variable spread and still others charge a commission based on a percentage of the spread.  So yes, there are forex brokers who charge a commission, but this paragraph is saying mostly the same thing as the first paragraph. The brokers make their money through the bid-ask spread; how they do so varies, and sometimes they call this charge a commission, sometimes they don't. All of the information above differs from the stock markets, however, in which  The broker takes the order to an exchange and attempts to execute it as per the customer's instructions. For providing this service, the broker is paid a commission when the customer buys and sells the tradable instrument. The broker isn't taking a side in the trade, so he's not making money on the spread. He's performing the service of taking the order to an exchange an attempting to execute it, and for that, he charges a commission.


Yeah. I'm in my junior year as a political science major but it's not holding my interest and to be honest, I hate it. I've always loved watching stocks and businesses and kept a close eye on financial news. I was just too blind to see that I could get an actual job doing that kind of stuff.    I don't care how long it take to get there, as long as I get there. So maybe finance and stats? I was told that there isn't a real specific degree needed to be a prop trader, but some degrees help more than others.


Do you have other things you might want to spend that cash on in the near future? (Like a down-payment on a house?) Beyond having emergency cash, the only reason to keep a pile of cash around is because you might need it for another purchase. Unless you are going to have other expenses that will require higher-interest loans to cover them, there's no need to sit on a big pile of cash. As long as you are getting the full match on your 401(k), that's the free money that might be worth more than the interest you are paying on the loans. In any case, I suggest you aim for at least 10% into your 401(k) account moving forward in your life so that you can properly fund retirement. 15% would be even better. It doesn't sound like you would be losing anything by paying the student loans, and you could then use the money freed from your loan payments to pay down your car faster.


Luckily for them the quality of their originals is generally much higher the other contemporary content they buy, minus the odd blockbuster. Sometimes so much so it seems purposeful.   I think their business model of betting on content is at the least more interesting than most of the other media platforms out there - at least they're adding legitimate value to the entire creative ecosystem while they attempt to achieve critical mass.   I'm still shocked by some of their reported series budgets (Bloodline comes to mind). Generally though I think they're pushing TV in the right direction creatively and otherwise.


Anti-trust would be where Walmart and Amazon are in collusion, since they run similar businesses. Walmart is not in the trucking business, so it is not colluding to make the trucking industry into an effective monopoly.      EDIT: Restrictive contracts that dictate what business another party can perform are commonplace. There are non-competes between employers and employees. Sponsors might dictate what products a personality can endorse or not. A lender might dictate to a brick and mortar store what products it must carry ...      EDIT2: Along related lines Amazon has a clause on ebook pricing which says, regardless of the price an author sets on their own ebook, Amazon can sell that ebook for less if the ebook is cheaper at any other vendor.


104 million subscribers on a global scale makes sense. South America and Europe have movie license that make their selection far more entertaining than the mostly independent catalog of USA Netflix. Not to mention that 104 million people on a Global Scale isn't all that much, barely coming in at 1.4% of the global population.


"Investing in gold without having physical gold is not really a hedge against inflation. GLD is really more for speculation, not protection against serious inflation. If there is any kind of inflation worth really protecting yourself against then one thing you will notice at its onset is a divergence in the price of physical and GLD; with GLD offering very little protection if any against inflation. Ultimately holders of GLD will demand physical metal and the physical price will rise and the paper price will fall. I would advise you to study physical gold before you purchase GLD for that reason. EDIT: Just adding this to my answer - I don't know why I didn't put it in before, and I hasten to add that I'm not an expert though a little investigation will show you that this is at least one option for owning gold. If you think of having the physical gold yourself at one end of the spectrum and buying GLD at the other; so that you don't need to take physical delivery, there is another scenario which I understand is in between (and sorry I don't actually know what it's referred to as) but it's where you buy the physical gold but instead of taking delivery the bars are stored for you in a vault - these bars are numbered and you actually own what you have paid for and theoretically you could go and visit your gold and actually remove it because it's your gold - as opposed to having paper GLD which in my understanding is a ""right to take physical delivery"" of gold - and this is slightly different - of course unlike GLD you actually have to pay a storage fee and of course unlike having the physical gold buried in your garden or something you are not entirely secure against say a robbery of the vault, and you are also depending on the company not to sell the same bar to more than one person - but that's the only think that their reputation is built on, and a company like that would live or die by the reputation - ( and of course you might lose the proverbial gold buried in the garden either, so nothing's 100% secure anyway really )"


Explained in T4002.  http://www.cra-arc.gc.ca/E/pub/tg/t4002/t4002-e.html If you buy a computer, cellular telephone, fax machine, or other such   equipment, you cannot deduct the cost. You can deduct CCA and interest   you paid on money you borrowed to buy this equipment that reasonably   relates to earning your business income. For more information on CCA,   see Chapter 4. It sounds like a class 8 for CCA if you follow the links. Class 8 with a CCA rate of 20% includes certain property that is not   included in another class. Examples are furniture, appliances, and a   tool costing $500 or more, some fixtures, machinery, outdoor   advertising signs, refrigeration equipment, and other equipment you   use in business. Photocopiers and electronic communications equipment, such as fax   machines and electronic telephone equipment are also included in Class   8.


You can't transfer mortgages when you purchase a new property. You can purchase a new property now, or you can refinance your current property now and leverage yourself as far as possible while rates are low. The higher rates you are worried about may not be as bad as you think. With higher interest rates, that may put downward pressure on housing prices, or when rates do rise, it may simply move from historic lows to relative lows. I had a mortgage at 4.25% that I never bothered refinancing even though rates went much lower because the savings in interest paid (minus my tax deduction for mortgage interest) didn't amount to more than the cost of refinancing. If rates go back up to 5%, that will still be very affordable.


The clusterfuck you mention was a real estate bubble built with the full backing of bankers. The problem is that real estate bubbles are very profitable to selected few, so there is a huge incentive in building them.   I do wish some economist would be able to come up with new way of doing business in which we would not always build these bubbles that inevitably will burst.   I do feel bad for all the bagholders in spain who were no longer able to sell the real estate they bought for higher amount of money as all the others before them.    It is ridicilous that after all the bubbles in history we still do business like this.


My favorite part:  Any bank with a leverage ratio greater than 10% can elect to be exempt from:  >(1) Any Federal law, rule, or regulation addressing capital or liquidity requirements or standards.  >(2) Any Federal law, rule, or regulation that permits an appropriate Federal banking agency to object to a capital distribution.  >(3) Any consideration by an appropriate Federal banking agency of the following:  >(A) Any risk the qualifying banking organization may pose to “the stability of the financial system of the United States”, under section 5(c)(2) of the Bank Holding Company Act of 1956.  >(B) The “extent to which a proposed acquisition, merger, or consolidation would result in greater or more concentrated risks to the stability of the United States banking or financial system”, under section 3(c)(7) of the Bank Holding Company Act of 1956, so long as the banking organization, after such proposed acquisition, merger, or consolidation, would maintain a quarterly leverage ratio of at least 10 percent.  >(C) Whether the performance of an activity by the banking organization could possibly pose a “risk to the stability of the United States banking or financial system”, under section 4(j)(2)(A) of the Bank Holding Company Act of 1956.  >(D) Whether the acquisition of control of shares of a company engaged in an activity described in section 4(j)(1)(A) of the Bank Holding Company Act of 1956 could possibly pose a “risk to the stability of the United States banking or financial system”, under section 4(j)(2)(A) of the Bank Holding Company Act of 1956, so long as the banking organization, after acquiring control of such company, would maintain a quarterly leverage ratio of at least 10 percent.  >(E) Whether a merger would pose a “risk to the stability of the United States banking or financial system”, under section 18(c)(5) of the Federal Deposit Insurance Act, so long as the banking organization, after such proposed merger, would maintain a quarterly leverage ratio of at least 10 percent.  >(F) Any risk the qualifying banking organization may pose to “the stability of the financial system of the United States”, under section 10(b)(4) of the Home Owners' Loan Act.  >(4) Subsections (i)(8) and (k)(6)(B)(ii) of section 4 and section 14 of the Bank Holding Company Act of 1956.  >(5) Section 18(c)(13) of the Federal Deposit Insurance Act.  >(6) Section 163 of the Financial Stability Act of 2010.  >(7) Section 10(e)(2)(E) of the Home Owners’ Loan Act.  >(8) Any Federal law, rule, or regulation implementing standards of the type provided for in subsections (b), (c), (d), (e), (g), (h), (i), and (j) of section 165 of the Financial Stability Act of 2010.  >(9) Any Federal law, rule, or regulation providing limitations on mergers, consolidations, or acquisitions of assets or control, to the extent such limitations relate to capital or liquidity standards or concentrations of deposits or assets, so long as the banking organization, after such proposed merger, consolidation, or acquisition, would maintain a quarterly leverage ratio of at least 10 percent.  yeah, what could go wrong?


fire and water damage repair  ---Triton Renovation has been the authority on Conroe water damage for over a decade. With their team of experts, they have the ability to handle any renovation or repair you would need whether it be commercial or residential.


I think it is even less than that. I want to say it's around $1.2B, but there is a law in South Dakota that allows the judge to quadruple the final bill if the defendant is found guilty.   Source: I live about 10 miles from BPI and work in food manufacturing, so this is all that anyone is talking about around here.  Anti-source: Had a few beers, so something something grain of salt.


We work for each other.  When people come here and join our economy, they create as many jobs as they consume.  It's not like there's this fixed number of jobs in an empty country and we all walk in and fill them and then there's no more.  That's not how economies work.   They spend money just like we do.   The difference is, we didn't have to cover the cost of raising them.  It's free productivity in it's prime.  A gift to any economy, and we spit in it's face.


Edmunds.com has a really cool guide that calculates some of these intangibles for a wide swath of cars under their True Cost to Own Ratings section. I highly recommend it.


The three rating agencies S&P,Moodys & Fitch were the Architects of the 2007-2008 Financial crisis.  [Start here ](https://en.wikipedia.org/wiki/Credit_rating_agencies_and_the_subprime_crisis )   The Fed is now planning to unwind its [balance sheet](https://www.bloomberg.com/news/articles/2017-07-26/fed-says-balance-sheet-unwind-to-start-relatively-soon-j5lbf6ik) in October  The Feds balance sheet contains the same crap these assholes rated AAA  And so now as times come to try and sell that shit, they the rating agencies reappear to create misdirection while this hoax on the Global financial system is perpetrated.


This is why financial industry rules reform and stricter oversight is so necessary.   Information is money and information should be universally accessible or off limits for use. People knowing things others can't makes them money and costs money for the people not in the know. This is the antithesis of free markets.


I'll consent to this. I get it. But the shop itself is making about 80-100k a month in sales. I realize the wind could shift but as long as I recoup the initial 92k I wouldn't be out any monies. It would take almost a year since each harvest period is 66 days but I get what you mean


[http://www.businessweek.com/magazine/content/04_48/b3910041_mz011.htm](http://www.businessweek.com/magazine/content/04_48/b3910041_mz011.htm)  K-Mart and Sears merged under the direction of Eddie Lampert.  Supposedly it was partially a giant middle finger to the board of directors at Sears who had not allowed Eddie Lampert to make changes he wanted to make to Sears.  He used his investment firm's assets to buy up a sizable chunk of K-Mart while Chairman of Sears, then had K-Mart and Sears merge, giving him a more controlling stake of the corporation.  It seems he has not been able to deliver on the promise of revolutionizing the two stores to compete better in the modern economy though, as the two parts continue to struggle (as made obvious by these closures).


He won't find one because he's full of shit.  “ALL or 100 PERCENT BEEF (Patty Mix)”:  Beef patty mix may be labeled —all,“ —pure,“ or —100 percent beef,“ when the only added  ingredients are partially defatted chopped beef or finely textured beef. An ingredients  statement would be required on bulk packed product but not retail packages. —All,“  —Pure,“ or —100 percent,“ may not be used if partially defatted beef fatty tissue (PDBFT),  is used or mechanically separated species (MSS), are used.  http://www.fsis.usda.gov/OPPDE/larc/Policies/Labeling_Policy_Book_082005.pdf


In finance, short selling (also known as shorting or going short) is the practice of selling assets, usually securities, that have been borrowed from a third party (usually a broker) with the intention of buying identical assets back at a later date to return to the lender. Remember your broker has to borrow it from somewhere, other clients or if they hold those specific stocks themselves. So if it isn't possible for them to lend you those stocks, they wouldn't. High P/E stocks would find more sellers than buyers, and if the broker has to deliver them, it would be a nightmare for him to deliver all those stocks, which he had lent you(others) back to whom he had borrowed from, as well as to people who had gone long(buy) when you went short(sell). And if every body is selling there is going to be a dearth of stocks to be borrowed from as everybody around is selling instead of buying.


would you say it's advisable to keep some of cash savings in a foreign currency? This is primarily opinion based.  Given that we live in a world rife with geopolitical risks such as Brexit and potential EU breakup There is no way to predict what will happen in such large events. For example if one keeps funds outside on UK in say Germany in Euro's. The UK may bring in a regulation and clamp down all funds held outside of UK as belonging to Government or tax these at 90% or anything absurd that negates the purpose of keeping funds outside. There are example of developing / under developed economics putting absurd capital controls. Whether UK will do or not is a speculation. If you are going to spend your live in a country, it is best to invest in country. As normal diversification, you can look at keep a small amount invested outside of country.


The label presents itself as a tough and confident brand of casual clothing. It is a young and innovative brand that now no longer has to imagine the Dutch fashion image away. The modern man feels at home at the label and he can feel confident in an outfit from Jack & Jones.


Alright so you have $12,000 and you want to know what to do with it. The main thing here is, you're new to investments. I suggest you don't do anything quick and start learning about the different kinds of investment options that can be available to you with returns you might appreciate.  The most important questions to ask yourself is what are your life goals? What kind of financial freedom do you want, and how important is this $12,000 dollars to you in achieving your life goals.  My best advice to you and to anyone else who is looking for a place to put their money in big or small amounts when they have earned this money not from an investment but hard work is to find a talented and professional financial advisor. You need to be educated on the options you have, and keep them in lines of what risks you are willing to take and how important that principal investment is to you. Investing your money is not easy at all, and novices tend to lose their money a lot. The same way you would ask a lawyer for law advice, its best to consult a financial planner for advice, or so they can invest that money for you.


Because your friend isn't going to like the ~2% charge they have to pay to the credit card company on the $10,000 purchase. Credit card companies make money off of transactions. The cardholder normally doesn't pay any transaction fees (and in fact can make a profit via rewards), but the merchant has to pay a certain amount of money to the credit card company for the transaction. In this case, the apartment owners ate the charge, likely because it was easier for them to send a check than to refund the cost of the fee through the credit card company. If you started doing this a lot to take advantage of this, I would imagine they would get smart and refuse your business (it'll be pretty obvious what you're doing if you're not signing any leases).


I would use neither method.  Taking a short example first, with just three compounding periods, with interest rate 10%.  The start value y0 is 1. So after three years the value is 1.331, the same as y0 (1 + 0.1)^3. Depreciating (like inflation) by 10% (to demonstrate) gets us back to y0 = 1 Appreciating and depreciating by 10% cancels out: Appreciating by 10% interest and depreciating by 3% inflation: This is the same as y0 (1 + 0.1)^3 (1 + 0.03)^-3 = 1.21805 So for 50 years the result is y0 (1 + 0.1)^50 (1 + 0.03)^-50 = 26.7777 Note You can of course use subtraction but the not using the inflation figure directly.  E.g. (edit: This appears to be the Fisher equation.) 2nd Note Further to comments, here is a chart to illustrate how much the relative performance improves when inflation is accounted for.  The first fund's return is 6% and the second fund's return varies from 3% to 6%.  Inflation is 3%.


"Once upon a time (not all that long ago), British cheques used to say something like ""Pay to the order of ..,,,, or bearer the sum of ...,..""  (emphasis added) and could be cashed by anyone unless the cheque-writer drew two parallel lines in the upper left corner of the cheque. These lines converted the instrument into a crossed cheque which could only be deposited into a bank account of the payee; a bearer of the cheque could not walk into the bank and waltz out with the cash equivalent. Perhaps British banks no longer use this styling (Indian banks still do) but if that cheque for 60k is not a crossed cheque, it better be sent securely with lots of insurance. An uncrossed cheque is the same as cash since it can be cashed by anyone. That being said, I am with @mhoran_psprep in thinking that all this is just a scam with the OP (mug) being asked to send 3600 bucks to ""girlfriend""  (scammer) to cover the cost of sending the check with full insurance, and when the check arrives and is deposited by OP into his bank, it will turn out to be a dud, and ""girlfriend"" will be long gone.  The description of how the girlfriend signed a contract for 90k and received 60k of this amount upfront, but in the form of a check payable to boyfriend (!) OP reeks of scam; is this scenario realistic?  In the past, I  have received offers (usually from Nigeria) from ""women"" wanting to be my girlfriend, and I am sure that such offers will continue to come in the future...."


Bill gates is founder of microsoft along with his friend allen.in microsoft as its vast empire increasing the wealth and enormous property of bill gates is increasing


Other than the guaranteed 5% bonus (assuming you sell it right away), no benefits. Keep in mind that the price from which the discount is calculated is not necessarily the market price at the date of the ESPP purchase, so the actual discount may be more than 5% (depending on the volatility of the stock - much more).


He just sees $X revenue, $X profit and assumes the guy is greedy.  Meanwhile he'll never start a company, sacrafice his free time to toil, be disciplined enough to forego luxuries to invest capital into the company or with sheer determination working nights and weekends to build something--- most people won't, but they'll criticize those who have, based on little more than a headline written by somebody else.


With the following variables the periodic (annual) repayment is given by The recurrence equation for the balance b at the end of month x is derived from b[x + 1] = b[x] (1 + r) - d where b[0] = s giving The interest portion of the final payment is b[n - 1] r and the total principal repaid at the end of period n - 1 is s - b[n - 1] Solving simultaneously n = 8.9998 and s = 7240 The principal repaid at the end of the first period is s - b[1] or d - r s = 479.74


Thanks! They guys who worked on the Machine Learning and such REALLY know their business. We've had a couple successful pilots and the farmers using the system have been pretty stoked with it.   From what I understand, it's a lot of buzzwords meant to get you intrigued. I mean, they're all true, but it could've been more concise haha. I will pass along compliments :D


Have you ever made pizza?  Like American style, tons of toppings pizza?  I worked at a pizza restaurant for years and I can still never get it right at home.  The premade dough at Trader Joes is OK, but to do it right I have to make my own so I have to start it first thing in the morning.  Major pain in the ass.  That huge flat cooking surface that you can heat up to 500 degrees makes all the difference in how the crust comes out and my wife won't let me tear out the breakfast nook to install a pizza oven.  Plus if you want anything like a combination pizza that is just a ton of prep work with a lot of potential waste.   A well made steak?  A great pasta sauce?  Fried chicken?  Those I can make at home without a ton of work and at a fraction of the price.  But pizza I'll go out for every time.


"Two factors that positively your credit score are the number of open accounts you have in good standing, and the average age of the accounts. The more accounts you have in good standing, the more likely you seem to pay back what you borrow from new creditors. The older the average age of the accounts, the more you seem like an experienced borrower who has had many years of successful credit activity. Closing them would lower the total number of accounts in good standing you have, and would also likely lower the average account age (unless you've recently opened them). To ""simplify the number of cards you have"", pick the one or two you would consider cancelling (worst rewards/benefits, highest yearly fee, etc.) and just don't keep them in your wallet anymore. You don't have to worry about paying them off every month (because you don't buy anything with them) and you still get the credit score benefits of having the accounts open."


Since GLD is priced as 1/10 oz of gold, I'd call it the preferred way to buy if that's your desire. I believe gold is entering classic bubble territory. Caveat emptor.  A comment brought me back to this question. My answer still applies, the ETF the best way to buy gold at the lowest transaction cost. The day I posted and expressed my 'bubble' concern, gold was $1746. Today, nearly 5 years later, it's $1350, a drop of 23%, plus an additional 2% of accumulated expenses. Note, GLD has a .4% annual expense. On the other hand, the S&P is up 80% from that time. In other words, $10K invested that day would be worth less than $7,700 had it been invested in gold, and $18,000 in stock. It would take a market crash, gold soaring or some combination of the two for gold to have been the right choice then. No one can predict short term movement of either the market or metals, my answer here wasn't prescient, just lucky.


Hydro Extractor is designed for continuous operation, heavy-duty use and to remove water from load of clothing and other textiles, usually shortly after they come from washing machine. Hydro extractor usually works on the principle of centrifugal force creating high gravitational force enhancing water extraction from wet cloths.


"First of all, never ask a realtor for advice. The realtor represents the SELLER. Blankip's advice above is by far the most accurate of the previous answers. The first step is to estimate the market. Look at past sales in the neighborhood over time, and from them estimate the prospects for the house at different time durations. Based on other sales, how fast do you think the house will sell at a given price? 60 days, 90 days, a year? If a house is high priced, that means the seller is prepared to wait. He is saying ""I am happy to wait a year to find somebody who will pay this."" Next, who is the owner? Young professional? Retiring couple? Landlord? Flipper? Who is it? The more you know about the owner, the better. Everybody has a time table, you need to find out what that is. Next, what is YOUR timetable? You need the house by the end of the month, or by the end of the year, or never, which is it? Objectively rate the house. Plusses and minuses. Good houses are those which everybody else hates and you love. You will get the best price there. (Assuming you need to find a house in 90 days) Based on these considerations determine the lowest price you think the owner will accept in a 30-day time frame. Make a written offer with an address and email, no phone number. If he comes back with a counter offer, ignore it. If for some reason a realtor has your number and calls you, tell them ""My written offer speaks for itself. I have nothing further to say."" It is very important not to entertain haggling or counter offers. Don't even pick up the phone. He has your WRITTEN offer. He can email or write you: I accept.  If the 30-days elapse, move onto your #2 choice and make a more aggressive offer. If that doesn't work, go to choice #3 and accept the listed price. This strategy may seem counter-intuitive because the natural tendency for people is to want to communicate. Trust me: the way to succeed in a negotiation is to NOT communicate. Make your offer and that is that. That is the pro way to do it, and will produce the best result for a short-term situtation. Long term situation If you are an investor (""flipper""), or have a lot of time to wait/spend, you can use a different strategy which involves pressuring the seller. What you do here is find a property you want in which the owner is vulnerable. That means someone who is old, bankrupt, out of work, indicted and on their way to prison or already in prison, etc. Bank owned properties fall into this category. In this case you figure out the 6-month price or however long you are willing to work on it. Then you pester the person. Become their buddy. Visit them in prison. Take the bank officer to lunch. Show up on holidays. Invite them to Thanksgiving. Start a relationship. Every two weeks you pester them. Want to sell yet? Want to sell yet? You basically harass them until they capitulate. Maybe it takes 6 months. Maybe it takes 2 years. Eventually they will give in. By this means you can get a much better deal than in strategy 1 above, but it takes a lot more time and effort and is appropriate more for an investor."


I live in Japan now, and it is well known that almost all young people move to Tokyo/Osaka at some point in their lives - and the major cities are soaking up the populations of smaller towns around them - so even with a declining birth rate, larger regional towns are growing (and new housing and development happening) as the rural villages are basically abandoned en masse.   I wonder how the perception of “moving to California for work” - which was very common when I was young 30 years ago, compares to the “moving to Tokyo” feeling in Japan. Tokyo has always kept growing and adding housing/apartments (similar to suburban sprawl as it overgrows Saitama), vs the very tight housing market for San Francisco - but people plan to leave Tokyo at some point.


Actually his mom died recently so I'd take it easy on the guy.  Not saying he's not a major ass, but the universe is hitting him pretty hard right now.  No class in kicking a man when he's down.


I wouldn't call them another Snapchat. They aren't dependent on advertising and they are actually in a pretty decent position. What is concerning is that moving forward they think they advertising will make up for their losses and be enough to set them apart.  Other than that... They have been cashing in the shift away from cable and the 'purchase only the networks you watch' mentality. They have the brand people like and trust, they have the hardware, and they are pretty boring at the end of the day. I think they'll be one of the few who survive if there were to be a major tech crash coming up.


Yes, you should be saving for retirement. There are a million ideas out there on how much is a reasonable amount, but I think most advisor would say at least 6 to 10% of your income, which in your case is around $15,000 per year. You give amounts in dollars. Are you in the U.S.? If so, there are at least two very good reasons to put money into a 401k or IRA rather than ordinary savings or investments: (a) Often your employer will make matching contributions. 50% up to 6% of your salary is pretty common, i.e. if you put in 6% they put in 3%. If either of your employers has such a plan, that's an instant 50% profit on your investment. (b) Any profits on money invested in an IRA or 401k are tax free. (Effectively, the mechanics differ depending on the type of account.) So if you put $100,000 into an IRA today and left it there until you retire 30 years later, it would likely earn something like  $600,000 over that time (assuming 7% per year growth). So you'd pay takes on your initial $100,000 but none on the $600,000. With your income you are likely in a high tax bracket, that would make a huge difference. If you're saying that you just can't find a way to put money away for retirement, may I suggest that you cut back on your spending. I understand that the average American family makes about $45,000 per year and somehow manages to live on that. If you were to put 10% of your income toward retirement, then you would be living on the remaining $171,000, which is still almost 4 times what the average family has. Yeah, I make more than $45,000 a year too and there are times when I think, How could anyone possibly live on that? But then I think about what I spend my money on. Did I really need to buy two new computer printers the last couple of months? I certainly could do my own cleaning rather than hiring a cleaning lady to come in twice a month. Etc. A tough decision to make can be paying off debt versus putting money into an investment account. If the likely return on investment is less than the interest rate on the loan, you should certainly concentrate on paying off the loan. But if the reverse is true, then you need to decide between likely returns and risk.


"Anyone who needs to DEMAND respect... hasn't *earned* it, and probably won't get it.  What he'll get instead is lip-service & ass-kissing... stuff that *appears* to be ""respect"" but really isn't.  But, at the same time, you can't really ""be friends"" with employees... they're *not* their to be your ""friends"" (nor are they ""like-family"") -- that doesn't mean you cannot be ""friendly"" (i.e. civil & courteous, even -- to a degree -- empathetic & understanding) -- but there is a difference between being ""friendly"" and trying to make people into your ""friends"" (i.e. drinking buddies, etc).  So how do you EARN respect?  Start by being respectful -- give credit where it is due (and make sure you KNOW where it is actually *due* -- don't just give credit to the ass-kissers & self-promoters).  Likewise, you can ""ASS-U-ME Authoritay"" --- or you can ""take on a role of RESPONSIBILITY & ACCOUNTABILITY"" -- there is a world of difference between those two as well.  Of course -- within a ""family"" business -- you're going to have difficulties doing all of those things *unless* the current management has already established a ""culture"" that facilitates it.  Given your father's mixed statements (and the general tendency of ""family"" owned businesses -- and the fact that you are being promoted to a managerial role *primarily* because you ARE a member of the family) -- well, that seems somewhat unlikely."


"I'm sure that I can find enough people who would disagree with you on what you'd consider a decent movie to invalidate that argument.  edit: [2012](http://en.wikipedia.org/wiki/2012_(film\)). "" It received generally mixed to negative reviews from critics and its wordwide theatrical revenue reached approximately $769 million."" There was no shortage of bad movies, nor was their any shortage of bad movies that made millions. Indeed, one of the true signs of the coming apocalypse isn’t contained in the Mayan calendar but in the fact that ""2012"" made a ziggurat of money."""


I drive to many destinations every day. My average week is 10-15 destinations 5 of which will be new. I have two other nav apps (waze, navigon) Apple maps is fucking terrible! 5 times it has taken me to the complete wrong destination, many blocks from the correct one. You can search for something obvious that is near you and will insist on giving you something on another continent. That is not an exaggeration. You can search for the same thing in detail (name city state) and it will find no results. Waze or google find it only by name. All this happens to me in Silicon Valley where I work and live. No lie I have been taken to the wrong block in Cupertino. They shouldn't just fire him, someone ought to kick his ass. End rant


"Also posting here to get answers  1) In pre-university education, what do I list along with my A levels? Are AS levels and GCSEs necessary?  2) Should i upload a degree transcript? (they say its optional hence why i'm asking)  3) Does the answer to ""How did you hear about JPM/GS/CS/BAML?"" affect your application? (moronic i know, but i thought better to know than to be clueless)  4) Do your answers to the equal opportunities form affect your application? (just want to know since its almost accepted now that if youre not a white male, your application will get scrutinised in some way depending on the reader, and i'm not white)  5) Following on from the previous question, my first name is Mohammad so should I consider changing my name on my CV and application forms? Again because of the bad press that Muslims get, and since Mohammad is such an obvious Muslim name. I also speak an Asian language so should i list that on my form/CV? I know this sounds like I want to hide my identity, but believe me it's the last thing I want to do. It's just something I feel like I might have to do. Nor do I want any sympathy for doing this. It's something a friend of mine suggested and I want to get people's opinions."


there is no tax for receiving money from outside of india paypal just take their charges only


For a long term gain you must hold the stock a year and a day, so, the long term hold period will fall into 2015 regardless. This is the only tax related issue that occurs to me, did you have something else in mind?  Welcome to Money.SE.


"I'm guessing what happens:  1) Business owner notices they have a bad review on Yelp.  If they're dishonest they astroturf and get busted... but what if they're honest?  2) They start asking customers to review them.  Maybe put up a little sign ""review us on Yelp!"".  3) This produces honest reviews... however, none of those users are regular Yelpers.  They're single-purpose accounts made just to review this business.  So how does that look to Yelp?  Like astroturf.  Like they're faking it.  So they get filtered.  4) You get a business whose only online user reviews are the *one* bad review, with a million filtered good ones."


"This is one-sided and a terrible guest for freakonomics. 'Marriage rates re low because men aren't marriage material anymore"" That's laughable.. Marriage rates are low because men don't want to marry loose girls, marriage itself is a lose-lose financial contract for men, men don't want to marry an obese and unattractive woman.. I could go on and on."


>He changed it at the Hayden Planetarium before the vote.  They built the planetarium with one less planet instead of adding 4 more.  >It's not. It is more massive, not larger.  It's similar in both size and orbit.  And so is Quaoar, and so is Sedna, and so is Eris, and on and on.  There have, since 2000, been more than a dozen dwarf planets discovered that are all almost the exact same size as Pluto with the same lack of gravitational pull to make them classified as planets.  >The definition of planet is arbitrary and it would be easy to make a definition to include or exclude. The decision to lead the charge for declassify is a publicity move that worked very well for him.  And again, you would be here saying the same fucking thing if the IAU had gone the other way and now we were teaching kids about the 22 planets of the solar system.  And then 23.  And 24.  And on and on as we find more and more.  I'm sorry you disagree with the classification, but it has zero to do with publicity of Neil Degrasse Tyson and everything to do with astrophysicists needing a way to classify these celestial bodies that they are constantly discovering.  Sounds like you got a personal beef with /u/neiltyson more than a problem with the IAU classification though, for some unknown reason.


Funds can't limit themselves to a small number of stocks without also limiting themselves to a small amount of total investment. I think 25 companies is too small to be practical from their point of view.


"Deuteronomy 14:28 - ""at the end of every third year you shall bring out all the tithe of your produce that year and shall deposit it in your town.""  Deuteronomy 15:8 - ""but you shall freely open your hand to him, and shall generously lend him sufficient for his need in whatever he lacks.""  Proverbs 19:17 - ""One who is gracious to a poor man lends to the LORD, and he will repay him for his good deed.""  Matthew 5:42 - ""Give to him who asks of you, and do not turn away from him who wants to borrow from you.""  Luke 18:22 - ""When Jesus heard this, He said to him, ""One thing you still lack; sell all that you possess and distribute it to the poor, and you shall have treasure in heaven; and come, follow me.""  1 Corinthians 16:1-3 -  ""Now concerning the collection for the saints, as I directed the churches of Galatia, so do you also. On the first day of every week each one of you ja to put aside and save as he may prosper so that no collections be made when I come. When I arrive, whom Weber you may approve, I will send them with letters to carry your gift to Jerusalem.""  Boy the Bible seems to be pretty clear that charity is compulsory. And that money must be sent aside for the poor if you are to receive Gods light."


It starts with the optics.   Isn't this the sort of *ends justify the means* attitude that led Uber to where it is today?  Recruiting a woman to replace Kalanick with the primary goal of creating the appearance that it cares about its reportedly horrid corporate culture is exactly the type of thinking Uber could do without.


>Approximately 4.6 American adults will turn 65 every minute of 2012, and by 2015 that number will increase, to 8, according to the U.S. Census Bureau. That means there is still time to get the corporate house in order before the departures commence en masse.  so I'll be out of college a year after this happens? schweeeet


Making a game is hard enough, focus on that. If/when you start getting close to having something to sell, then if you're serious and want the company to grow into a full time venture, briefly consult with a lawyer and possibly accountant to set this up. It will save you a lot of time researching what you have to do and a lot of headache from potentially doing things wrong. If you want to try to do it on your own, I'd recommend getting a book on starting a business because there is more to know than a single post can cover.  You'll probably have to file for a DBA (doing business as) at your city hall in order to be allowed to refer to yourself as the name of your company (otherwise you have to use your personal name). Initiating that will likely initiate annual business taxes in your town in addition to the cheap filing fee. You also want to consider how you will handle trademark (of your business and game) and copyright (of your game). If this is going to grow, you'll have to have contracts written for either employees or for freelancers who might produce assets for you. You may also need to consider writing an EULA for your game, privacy policies, etc. Additionally, you'll likely have to file with your state to collect and send sales tax. You'll also want to meticulously track costs and revenue related to your business. Formally starting a business will likely open you up to property, sales and income tax. For example, where I am, was even taxed on the equipment the business uses (e.g. computers). This is why it makes sense to wait until you're closer to having a product before you try to formally start a business and to consult with professionals on the best way.  The type of business you should form will depend on the scope you plan for the company and the amount of time/money you're willing to put in. A sole proprietorship (what you are by default) means there is no difference legally/financially between you as an individual and you as a company. This may be suitable if this is just a hobby, but not if you intend it to grow because that means any lawsuit directed at your company and its money is also directed at you and your money. The differences between an LLC and corporation are more nuanced and involve differences in legal and tax treatment, however, they both shield you from the previously mentioned problem. If you want this to be more than a hobby you should form either an LLC or a corporation. Do some research on the differences and how they might apply to you and in your state.


For some reason I have a doubt that you have ever payed taxes in california.  Money has been injected into these areas. The fact that they need to be cut should be proof of that. You can't cut money that was never given.


If you had originally borrowed $100k at 4.75% for 15 years, the last 5 years would include a total of $3,300-$3,500 in interest payment. That is the total universe of savings available to you if you were able to get a 0.0% mortgage. Unless the mortgage is huge, I think that in most scenarios the upfront closing costs, taxes and other fees would immediately exceed any savings. If you have the money, pay it down. Otherwise, keep on truckin' -- you have 60 short months to go.


"What do you think the problem is? I notice you edited your post after I read it.   >The ""value"" of HUMAN labor is determined by supply and demand, right? I hire people right now because they are the cheapest supercomputers with arms available for me right now.  No, you hire people because they have skills to do tasks with their labor. We will *always* think of new ways to be useful, new things to do, that people will want done, will value being done, and will purchase labor to get done.   When we stopped using horses & buggies, all the people in those industries didn't just throw up their hands and walk away from work. *They figured out new ways to create value with their labor*, and the world went on."


Just reading your comment more it is so far off topic. Investor rationality is so far off topic. The outside  investor made a decision to invest already. The owner is being forced make investment decisions. Noting in the article is talking about taking those choices away.  There should be a separate sub for people like who want to make off topic challenges of capitalism. It's disruptive. I can't make a comment with debating every assumption endlessly.


Yes. I would recommend. I wasn't a big fan of the conspiracy theory angle. I ignored that but I leave that up to you.  But everything else in the book is very good. Good explanations on money and what bailouts really do etc.


"As mentioned in other answers, you find out by reading the Rulebook for that commodity and exchange.  I'll quote a couple of random passages to show how they vary: For CME (Chicago Mercantile Exchange) Random Length Lumber Futures, the delivery is ornate: Seller shall give his Notice of Intent to Deliver to the Clearing   House prior to 12:00 noon (on any Business Day after termination of   trading in the contract month. 20103.D. Seller's Duties If the buyer's designated destination is east of the western boundaries of North Dakota, South Dakota, Nebraska,   Kansas, Texas and Oklahoma, and the western boundary of Manitoba,   Canada, the seller shall follow the buyer's shipping instructions   within seven (7) Business Days after receipt of such instructions. In   addition, the seller shall prepay the actual freight charges and bill   the buyer, through the Clearing House, the lowest published freight   rate for 73-foot railcars from Prince George, British Columbia to the   buyer's destination. If the lowest published freight rate from Prince   George, British Columbia to buyer's destination is a rate per one   hundred pounds, the seller shall bill the buyer on the weight basis of   1,650 pounds per thousand board feet. The term ""lowest published   freight rate"" refers only to the lowest published ""general through   rate"" and not to rates published in any other rate class. If, however, the buyer’s destination is outside of the aforementioned   area, the seller shall follow the same procedures except that the   seller shall have the right to change the point of origin and/or   originating carrier within 2 Business Days after receipt of buyer’s   original shipping instructions. If a change of origin and/or   originating carrier is made, the seller shall then follow the buyer's   revised instructions within seven (7) Business Days after receipt of   such instructions. If the freight rate to the buyer's destination is not published, the   freight charge shall be negotiated between the buyer and seller in   accordance with industry practice. Any additional freight charges resulting from diversion by the buyer   in excess of the actual charges for shipment to the destination   specified in the shipping instructions submitted to the Clearing House   are the responsibility of the buyer. Any reduction in freight charges   that may result from a diversion is not subject to billing adjustment   through the Clearing House. Any applicable surcharges noted by the   rail carrier shall be considered as part of the freight rate and can   be billed to the buyer through the CME Clearing House. If within two (2) Business Days of the receipt of the Notice of Intent   the buyer has not designated a destination, or if during that time the   buyer and seller fail to agree on a negotiated freight charge, the   seller shall treat the destination as Chicago, Illinois. If the buyer   does not designate a carrier or routing, the seller shall select same   according to normal trade practices. To complete delivery, the seller   must deposit with the Clearing House a Delivery Notice, a uniform   straight bill of lading (or a copy thereof) and written information   specifying grade, a tally of pieces of each length, board feet by   sizes and total board feet. The foregoing documents must be received   by the Clearing House postmarked within fourteen (14) Business Days of   the date of receipt of shipping instructions. In addition, within one (1) Business Day after acceptance by the   railroad, the Clearing House must receive information (via a telephone   call, facsimile or electronic transmission) from the seller giving the   car number, piece count by length, unit size, total board footage and   date of acceptance. The ￼date of acceptance by the railroad is the   date of the bill of lading, signed and/or stamped by the originating   carrier, except when determined otherwise by the Clearing House. For some commodities you can't get physical delivery (for instance, Cheese futures won't deliver piles of cheese to your door, for reasons that may be obvious) 6003.A. Final Settlement There shall be no delivery of cheese in settlement of this contract.   All contracts open as of the termination of trading shall be cash   settled based upon the USDA monthly weighted average price in the U.S.   for cheese. The reported USDA monthly weighted average price for   cheese uses both 40 pound cheddar block and 500 pound barrel prices. CME gold futures will deliver to a licensed depository, so you would have to arrange for delivery from the depository (they'll issue you a warrant), assuming you really want a 100 troy oz. bar of gold: CONTRACT SPECIFICATIONS The contract for delivery on futures contracts shall be one hundred   (100) troy ounces of gold with a weight tolerance of 5% either higher   or lower. Gold delivered under this contract shall assay to a minimum   of 995 fineness and must be a brand approved by the Exchange. Gold meeting all of the following specifications shall be deliverable   in satisfaction of futures contract delivery obligations under this   rule: Either one (1) 100 troy ounce bar, or three (3) one (1) kilo bars. Gold must consist of one or more of the Exchange’s Brand marks, as provided in Chapter 7, current at the date of the delivery of   contract. Each bar of Eligible gold must have the weight, fineness, bar number, and brand mark clearly incised on the bar. The weight may be   in troy ounces or grams. If the weight is in grams, it must be   converted to troy ounces for documentation purposes by dividing the   weight in grams by 31.1035 and rounding to the nearest one hundredth   of a troy ounce. All documentation must illustrate the weight in troy   ounces. Each Warrant issued by a Depository shall reference the serial number and name of the Producer of each bar. Each assay certificate issued by an Assayer shall certify that each bar of gold in the lot assays no less than 995 fineness and weight of   each bar and the name of the Producer that produced each bar. Gold must be delivered to a Depository by a Carrier as follows: a. directly from a Producer; b. directly from an Assayer, provided that such gold is accompanied by   an assay certificate of such Assayer; or c. directly from another Depository; provided, that such gold was   placed in such other Depository pursuant to paragraphs (a) or (b)   above."


As the State Lottery chances get ever higher, lottoplayingtowin keeps on winning them with his superb, grant-winning e-book and playing procedures. After precisely anticipating the winning numbers for more than 90 different first prize for winning lottery system. While some trust that your odds of winning the lottery add up to simply immaculate blind luckiness, there are other people who staunchly maintain the conviction that embracing certain methodologies will enable you to put the chances more to support you.


HFT doesn't increase correlations nor do hedge funds, If you look at the euro crisis, correlations have skyrocketed, then in late december jan and feb during the rally the correlations started subsiding and specific risk started taking over, crisis mode increases correlations.


Right to all of that but don't they still need US Treasuries to keep their currency competitive? Even if they don't need USD to buy and sell their goods, the skyrocketing value in their currency would grind their exports to a halt, no? And even then, losing such a massive part of their trade would be catastrophic.


It's nice that she's willing and able to give free lessons. I caution that her students (or their parents) won't really value the lessons unless they are paying for them. Charge enough to make the lessons worthwhile to the student/family, even if you are giving a friendly discount to market rates. $50 per 45-minute lesson is market (at least where I live). $40 would be a good deal. $25-30 is quite a deal. Books are extra, of course. (2017 rates)


Just playing devil's advocate: A falling stock price impairs the firm's ability to raise equity capital efficiently. In these times, additional regulatory capital requirements continue to be levied on the banks, and they are faced with raising capital inefficiently, which may impair their ability to pay their debt, which may lead to a ratings downgrade.


It will take a bit of sacrifice.  First, I'd review spending. Between you and all your family, try to separate the 'needs' from the 'wants' and cut out 75% of the 'wants.' Second, there's almost always part time work that can help raise extra money. Even if it's a small fraction of your current hourly pay, every bit you and your family can throw at that 30% debt will help get rid of it and help you get to the point when you can refinance the mortgage.


Ooh let me ramble a bit, for this is very true in my case. The very second I feel even slightly patronized, I shut down and create a negative judgment of the company. Especially when the marketing methods they use are as transparent as a dad with a vagina.   Unrealistically attractive persons using product,  ridiculous dialogue with YouTube comedian level humor, ANY product placement/celebrity endorsements, etc.  It feels insulting and gives companies and advertisers a sort of malicious persona and therefor unworthy of my shmeckles.  On the other hand some advertisements seem more subtle and respectful, being more informative rather than persuasive or cunning, and that's what I want to see more of.  Hopefully it's not just me but I could be too cynical. It's hard not to be these days.


Wendy's has the best-tasting food between them, BK and McDonald's. I'm not sure what their problem is.  It could be that, in my area at least, there's 20 McDonalds and 10 BK's for every one Wendy's.


Dividend reinvestment plans are a great option for some of your savings. By making small, regular investments, combined with reinvested dividends, you can accumulate a significant nest egg. Pick a medium to large cap company that looks to be around for the foreseeable future, such as JNJ, 3M, GE, or even Exxon. These companies typically raise their dividends every year or so, and this can be a significant portion of your long term gains. Plus, these programs are usually offered with miniscule fees. Also, have a go at the interest rate formulas contained in your favorite spreadsheet application. Calculate the FutureValue of a series of payments at various interest rates, to see what you can expect. While you cannot depend on earning a specific rate with a stock investment, a basic familiarity with the formula can help you determine a rate of return you should aim for.


Talking to the one Amazon employee I know, the sheer volume of shipments produces some interesting bugs. I mean, they really are pushing the envelope on logistics - inevitably you're going to end up with some spectacularly bad experiences no matter how hard you try just because the task is so complex.  IE, we'd need to know the ratio of bad to good experiences to fairly judge, but the existence of bad experience isn't something that really needs to be proven IMO.


Are you going to need any of the money in the next year or two, or are you saving it long term? Are you going to need any of it before you are 65?  If no to both, put in a Roth IRA with a Vanguard Target retirement fund.  If no to the first and yes to the second, put in the VTI index fund. If you want, you can keep 20-30% in a bond fund instead of 100% stock.  Every 3-12 months, log in and redistribute your funds to maintain the desired split if you'd like, but this is somewhat optional.  If you really, really want, set aside 5% for investing in a few companies you really believe in. You'll probably lose money on that investment, but it will reassure you that the rest of your money is wisely invested.


I gotta disagree. The kinds of people who care about this sort of thing (very very few) are also the kind of people who aren't willing to pay Facebook any money--and they're the most likely to not be on the site in the first place.  I mean, sure, SOME people would pay--but how many? Even if it's a million people the revenue would be a rounding error for Facebook, especially as the company grows. Plus, I'm sure they want to offer advertisers 100% of their user base--it's a good pitch.


I was hoping it wasn't real time and I was going to be able to look 20 min. into the future using real time quotes for a 100% success rate.  Oh well.  Don't you know you can't make money day trading? :-)  Everyone on Reddit seems to think as much.  What % are you up for the day?


Godrej Interio offers modular steel kitchens that are tailor made for the Indian style of cooking. With a variety of materials and accessories to choose from these designs offer style and convenience, thus making your cooking experience hassle-free and fun The body is made of galvanized steel which implies protection against exposure to oil and water. Its durable in moist kitchen environments. The kitchens have galvanized steel framework with epoxy polyester powder coating. There is no breeding of pests. These Kitchens are Termite-proof. High precision due to steel and factory finish. Ease of maintenance. These kitchens are functional and sturdy. These kitchens come with a 15 year warranty. Godrej Interio kitchens are Ergonomic and safe. These kitchens are made of innovative hardware for effortless and noiseless operation. Unique and interesting layouts are possible. Sensor integrated lights for better visibility. Option for seamless integration of appliances.


Really not sure with this one and I don't want to cheat and look up an answer.  I'd say you could find the high/low points of the stock over the last year or two and see how large the spread is between those values and the average price of the stock over the same time period.


You create a bullet point list of all the things in the game you want to see in the movie, offer the gig to the first script that checks all the boxes, regardless of how poorly thought out it is, because kids will watch anything familiar and drag their parents along for the ride.


In many cases, you are required to file your taxes by law even if you won't owe. If it's anything like in the US, it's quite possible your employer is not taking the right amount and you may owe more or may even be in line for a return. http://www.usatax.ca/Pages/filing_requirement_taxes_canada.html


I use to play marbles at school. Marbles were like gold the more you had the richer you were. They were a scarce commodity only a few in circulation. Once I secured a wealth of marbles I realized they were of little real value. They were only of illusory value. As long as we all were deceived into believe they had value they I was rich. Sure marble could be used to make marble floors ;) they were lovely to look at, and every one wanted them. Then one day, I discovered the emperor had no clothes. Wow, the day that everyone sees the true value of gold, what a stock market crash that will be. I tried to avoid gold as much as possible, but this is hard to do in todays stock market. My solace is that we will all be in the same golden (Titanic) boat, only I hope to limit my exposure as much as possible. Anyone want a gold watch for a slice of bread?


Investing in the early 70s would have been fine, trying to pile on the boat after the fact (late 70s, early 80s), those people would lose.    The fluctuations then had largely to do with the collapse of the USSR.  Parallels could certainly be drawn to modern times, but the main thing is that if you invested early, you could ride out the worst of storms without having to worry about a company or a currency becoming worthless overnight.


It doesn't matter.  You will just renew your mortgage at the prevailing rates.  That's part of the mortgage contract.   The problem that happens is if you want to move your mortgage to another bank for a better rate, they may not accept you.  Your re-negotiating position is limited. Most mortgages have a portability option where you can even transfer the mortgage to another property, but you'd have to buy a cheaper house.


"Before you can truly learn, you must unlearn first. I recommend the book ""Fooled by Randomness"" by Nassim Taleb."


"What does your link supposed to mean?  It's a video from 2013. And Maxine is ""allegedly"" nuts.  Anyway as the top link mentioned, it's a campaign spin-off organization.  Each Obama campaign has spin-off organizations. Not really surprising, nor malicious or problematic. Even failed-to-win presidential nominees have these lobby groups, such as Al Gore."


While salary is usually a large expense, it's often not the one with the most waste.  Cutting salary almost always ends poorly if you need any sort of specialized skills.   The city should be looking at it's budget, but at services that aren't necessary or are far too expensive to operate in a crisis.  Closing a community center or canceling some public events not only saves a huge amount off cash in the form of overtime for police and support services, it also makes the problem public, and tend to make people open to paying more fees of taxes, solving the problem for realsies.


I quit paying for cable in 1997. I couldn't even tell you what was on TV. I barely know what is in the theaters and that is only because I live in LA and signs are everywhere. I haven't listened to new music since metallica sued a 12 year old. So outside of techno (which you can find for free everywhere) my mainstream music is as cutting edge as Static X, Slipnot, and System of a down debut albums.


Check your mortgage paper work. Most mortgages have clauses requiring you to maintain the property, keep it in good repair, and to prevent spoilage. The property is the mortgagee's security for the loan, so it's reasonable that they have a voice in keeping the property in good shape. You can tell them to pound sand, and then they can call the loan due in full.


"> If I come to your house with a gun and hand cuffs and say, ""you made this much money this year, therefore you owe me this much because I need healthcare/food/ect.""  Okay, so your argument is that taxes are illegitimate because they pay for services for others. Obviously I disagree, because in your example your money is *only* paying for services for other people. However, the reality is that we the minute we are born we benefit from living in a civilized society with services and infrastructure that was created by those who have paid taxes in the past.   Your example is faulty because it assumes you receive no benefit from the taxes that the government demands of you.   > Yes, government made it happen, that doesn't mean that it would have never happened with out it.  Possible, but we will never know. I think we agree that GPS does provide a valuable service, and it was created by government. This being one of thousands of examples of government innovation that has improved everyones lives, and provided the foundation for more innovation on the commercial market.   It is possible that it would come to be in some form without government investment through taxes, but we know it *did* become reality through government through taxes.   > I would say that the US military has gone way overboard with the amount of technological spend.   I would agree, to an extent. I would like to see investment in other areas, but that is what our elected leaders currently find of value.   > From what I've seen, the 2017 request is $12.5 billion for total tech spend for the military.  I am not sure where that number is coming from. I know at one point JEIDDO by itself spent over $1T in R&D on the IED problem. I know that DTRA funds a couple billion dollars worth of R&D by itself too. Then you have groups like DOE, which do a lot of R&D on defense projects as well. I think that number might be off.   Drone technology was another example that you used. How much do you think the Amazon delivery drone service was influenced by DOD R&D into drones? I have a buddy that I served with who worked at DTRA after he got out who now works at Amazon...   > Bernie Sanders bit  Sorry, I think it may have got cut. I was going to ask what part of his tax plan would have added to your personal taxes?"


That Chevy Bolt will never improve from what it is when you drive it off the lot. It's never going to get self-driving capabilities or any software improvements to improve the efficiency of the car. Tesla cars improve over time. They get additional features in the years that follow. A Chevy is what it is and that's all it'll ever be.


First of all I recommend reading this short e-book that is aimed at young investors. The book is written for American investors but they same rules apply with different terms (e.g. the equivalent tax-free savings wrappers are called ISAs in the UK). If you don't anticipate needing the money any time soon then your best bet is likely a stocks and share ISA in an aggressive portfolio of assets. You are probably better off with an even more aggressive asset allocation than the one in the book, e.g. 0-15% bond funds 85-100% equity funds. In the long term, this will generate the most income. For an up-to-date table of brokers I recommend Monevator. If you are planning to use the money as a deposit on a mortgage then your best bet might be a Help to Buy ISA, you'll have to shop around for the best deals. If you would rather have something more liquid that you can draw into to cover expenses while at school, you can either go for a more conservative ISA (100% bond funds or even a cash ISA) or try to find a savings account with a comparable interest rate.


At the bottom of the page you linked to, NASDAQ provides a link to this page on nasdaqtrader.com, which states Each FINRA member firm is required to report its “total” short interest positions in all customer and proprietary accounts in NASDAQ-listed securities twice a month. These reports are used to calculate short interest in NASDAQ stocks. FINRA member firms are required to report their short positions as of settlement on (1) the 15th of each month, or the preceding business day if the 15th is not a business day, and (2) as of settlement on the last business day of the month.* The reports must be filed by the second business day after the reporting settlement date. FINRA compiles the short interest data and provides it for publication on the 8th business day after the reporting settlement date. The dates you are seeing are the dates the member firms settled their trades. In general (also from nasdaq.com), the settlement date is The date on which payment is made to settle a trade. For stocks traded on US exchanges, settlement is currently three business days after the trade.


gimme a break. There is always shit storm. Other country experience recession and deep recession (under US economic attack even) but none drop that kind of money.  I still want to know what China is doing to even up Obama's attempt to crash their market and currency.


> there is a very strong relationship between the amounts written on the checks and the worth of that product or service to the person with the pen  ...and the *ability to pay* of the person with the pen. Someone who generates a lot of value for lower- and middle-class customers could easily make less money than someone who generates a little bit of value for upper-class customers.


"The average height in the NBA isn't even 6'8"" and that's with the centers inflating the numbers. Your average point guard is 6'2"".   NBA players work their asses off to get where they are, hours and hour in the gym and hours and hours on the court. Am I saying they work harder than anyone else? No. But it sure as hell isn't easy to get there."


The best way to end the gaming of patents is to simplify the system. Just go back to the old rule of patents being good for one year after issuance. There are other issues like what should or shouldn't be patented, but just having the rule of patents being good for one year makes other issues relative minor ones when it comes to the monopolistic effect of patents. The more complex we make the system just increases the permutations for abuse.


"More costs are going to be put on the consumer. But that is something that would happen all the time. Originally those systems were not built with the expectation that average life expectancy would jump from almost a factor of a third (60 to 80 years, if you wonder why the age of retirement is 65 and not more or less, check out Bismark and Kaiser Wilhelm on that subject). Additionally, the current age population pyramid of the west (and asian soon to come) is put an increasing pressure on the cost of healthcare.  Now, to me the biggest issue with the US is the belief that market driven economies will always lower prices. The problem is that the insurance companies in this country form an oligopoly with the goal to make profits. Now, here is the important question: is healthcare a ""need"" or a ""want""? If it is a ""want"" then someone can live without it but if you have an accident or anything of that type, then is it still a ""want"" or a ""need"". You can live without TV all your life and nothing bad may happen to you. No healthcare and then you can get screwed for your life.  Because people will feel compelled to save themselves and be brought to the hospital, those who can afford it or need it will pay for it. Thus you have an automatic pressure on prices as it is used by a smaller pool of people than if everyone in the country was paying for it independent of income. And because the people buying health insurance feel they need to have insurance, their price elasticity of demand will become inelastic (the price may change a lot but the amount of demand won't change much). So, if i'm a private insurance company, I will charge as much as I can because I know that people will be willing to pay more for  the same healthcare cost.   The European system will simply be a cheaper option than the US because it concentrates a larger pool of payers and is not aimed at profits. Additionally, if there were quality issues in the healthcare provided this would have been seen long ago if you compare the amount of money spent in the US and Europe on healthcare. In Europe the cost of healthcare is theoretically only the government spending. In the US it is both gvt and private spending.    Tell me what you think"


"To Many question and they are all treated differently. I was wondering how the logistics of interest and dividend payments are handled on assets , such as mortgages, bonds, stocks,   What if the owner is some high-frequency algorithm that buys and sells bonds and stocks in fractions of a second? When the company decides to pay dividends, does it literally track   down every single owner of that stock and deposit x cents per share in   that person's bank account? (This sounds absolutely absurd and seems   like it would be a logistical nightmare). In Stocks, the dividends are issued periodically. The dividend date is declared well in advance. As on end of the day on Dividend date, the list of individuals [or entities] who own the stock is available with the Stock-Exchange / Registrar of the companies. To this list the dividends are credited in next few days / weeks via banking channel. Most of this is automated. What if the owner is some high-frequency algorithm that buys and sells bonds and stocks in fractions of a second? On bonds, things work slightly differently. An Bond is initially issued for say 95 [discount of 5%] and payment of 100 after say 5 years. So when the person sells it after an year, he would logically look to get a price of 96. Of course there are other factors that could fetch him a price of 94.50 or 95.50. So every change in ownership factors in the logical rate of interest. The person who submits in on maturity gets 100.  For the homeowner, I'm assuming he / she still makes mortgage payments to the initial bank they got the mortgage from, even if the bank no longer ""owns"" the mortgage. In this case, does the trader on the secondary market who owns the mortgage also come back to that bank to collect his interest payment? This depends on how the original financial institution sells the mortgage to new institutions. Generally the homeowner would keep paying initial financial institution and they would then take a margin and pay the secondary investor. If this was collateral-ized as Mortgage backed security, it is a very different story."


There are several possible effects: There isn't much you could do about it. If you had enough money to try to hedge by buying foreign securities, in theory you could be happy no matter what your dollar did: if it goes up, you have pain or gain from local effects (depending on whether imports or exports have a bigger effect on your life) and that is offset by your investment having gain or pain. Ditto if it goes down. In reality the amount you might have to invest to get to this point is probably not a realistic amount for an ordinary person to invest outside their country. I own a Canadian company that bills a number of US clients and I buy very little from the US (I'm big on local food, for example, and very frugal on the consumer-goods front.) When the Canadian dollar falls, I effectively get a raise, so I'm happy while all around me are wringing their hands.


If it's *already* beneficial to lease out/buy more advanced airplanes, is it really necessary to introduce this carbon tax? Fuel costs are rising every year, so it seems to me that companies would go greener regardless of governmental stimulation.


From Vanguard's Best practices for portfolio rebalancing:


"I'm assuming this is in comparison to the Standard Oil era. The main difference I see is that these are more merit based monopolies than the earlier times. I don't know if you can you can anything about it. Technology has made the game more like a scenario of ""winner-takes-all""."


I'm having a hard time getting worked up over this case.  The underlying issue is a serious one, but this case is the wrong canary.    > The affidavit was false: simply, nakedly false. The employee had made no such claim.  > The prosecutors alerted a major newspaper about the search, so there are photographs of agents carrying boxes from your office.  That's not government error.  That's malfeasance.  This pisses me off.   > The agent’s statement was false.  The federal agent lied and destroyed a company in the process. The lawsuit was against the prosecutors who acted on good faith.  Why didn't he try to sue the agent who lied?  The prosecutors have qualified immunity, which they need, in order to do their jobs.  Otherwise, they'd be spending all day in court defending themselves rather than prosecuting cases.    > The appeals court said evidence that Ganek knowingly traded on inside information would give authorities probable cause to conduct a search, but it wasn’t needed in order to get a warrant.  > The affidavit alleges that some of Ganek’s employees had traded on inside information and that “there was at least a fair probability to think that his office was among the LG premises where evidence of an insider trading scheme would be found,” the appeals court said, referring to Level Global.  That's why the appeals court threw out the case.  They said the lying officer only accelerated the warrant which would have been issued anyway.


You own the stock at $29.42 At $40, the stocks is called at $26. You can't add the call premium, as it's already accounted for. The trade is biased towards being bearish on the stock. (I edited and added the graph the evening I answered)  Not the pretiest graph, but you get the idea. With that $29.42 cost, you are in the money till about $30, then go negative until the most you lose is $3.42.


In and of itself it wasn't. But could the ill will it left with the general investing public make people more wary of future IPOs and thus, lower their potential starting points?  Thereby leading to a drought of IPOs as companies don't see themselves getting as much.


When someone charges, it means that person fix the price you pay. Australia is part of the Indonesian continent. It is an island in the South Pacific ocean. In the price of an item, you include the shipping cost. It is more expensive by plane because the cost of the kerozen is higher than the cost of diesel for ships. Accident can happen, so you have to include in price the cost of the insurance.


My only opinion is that keeping Zuckerberg away from Washington is probably the best outcome.  A guy known to exploit and sell the privacy of his users probably shouldn't be having any voice on how the government should act in any fashion.  We already have enough surveillance and don't need that jagoff finding new ways to spy on us.


The purpose of the transfer determines the taxability. If this is happening to frequent, it is advisable to keep proper records of the transaction so that if there is an enquiry from Tax authorities you can explain. Unless you explain the why the transfer is being made, I have put out some broad categories.


I work in asset pricing/market microstructure research so I do come across a decent amount of topics at work that utilize my applied math degree. For the topics I'm working on right now on it's usually time series or econometrics stuff like vector autoregression, principal components, regressions, etc. Some of my coworkers are working on papers that use stochastic calculus and other aspects of continuous time finance.


Not necessarily though, since you can simply adjust the premium. I'm thinking an embedded option is just an option with longer maturity, and the increased price of that adjusted option can be reflected (like any other option) in the strike price or the premium. Am I missing something?


Agreed. This is such an open ended question with no real answer. I assume you're asking for recruitment into the finance industry, which honestly recruit from a wide variety of schools depending on the division within the firm and which firm location the firm is hiring for. Its more about the program in the school, than the school itself (business/finance/comp sci/electrical engineering/physics/math programs). Also bank alumni also play a large role in recruitment, and are sometimes whom you might speak with during an interviews and at career days. Most of the recent bank grads I know are from Rutgers, MIT, UPenn, Penn State, Princeton, Carnegie Mellon, Villanova, NYU, Stevens, etc...the trend here is North East schools close to NYC (where I work).