The answer to your question as asked is no.  Call options, even those issued by the company, cannot create new shares unless they are employee stock options. Company-issued warrants, on the other hand, can create new shares.


The US only returned to recession post WW-II due to scaling back wartime activities. Basically the economy slumps when you stop building a million bombs. It was only on paper though; it wasn't perceived as a major recession by Americans alive at the time.


"LOL!!!!! Another made-up story. This was debunked many many times in the past.  Where are the pictures of Israel shooting rubber bullets at women and children? Where are the pictures of ""Palestinians"" who are dying from thirst and untreated diseases?  **BUT I MUST ADMIT, as you know very well, Israel and Jews use the blood of young children for their religious rituals. Many many people know that as absolute truth.**"


Do you plan a monthly budget at the beginning of each month?  This might seem counter-intuitive, but hear me out. Doing a budget is, of course, critically important for those who struggle with having enough money to last the month.  Having this written spending plan allows people struggling with finances to control their spending and funnel money into debt reduction or saving goals.  However, budgeting can also help those with the opposite problem. There are some, like you perhaps, that have enough income and live frugally enough that they don't have to budget.  Their money comes in, and they spend so little that the bank account grows automatically.  It sounds like a good problem to have, but your finances are still out of control, just in a different way.  Perhaps you are underspending simply because you don't know if you will have enough money to last or not. By making a spending plan, you set aside money each month for various categories in three broad areas: Since you have plenty of money coming in, generously fund these spending categories.  As long as you have money in the categories when you go to the store, you can feel comfortable splurging a little, because you know that your other categories are funded and the money is there to pay those other bills.  Create other categories, such as technology or home improvement, and when you need an app or have a home improvement project, you can confidently spend this money, as it has already been allocated for those purposes. If you are new to budgeting, software such as YNAB can make it much easier.


I had a good half dozen of these with various amounts, none of them quite enough to make a purchase anywhere and, like you, I didn't want them to go to waste.  If there is at least $1 on the card, you can use it to buy Amazon eGift cards, which is what I did. It's not as nice having actual cash, but for me it was the next best thing. You can also use them to sign up for free trials for subscriptions. If you forget to cancel, then you're saving your normal credit card from being charged.


The Barclay's 20+ Year Treasury Bond inception date was July 21, 2002. You aren't going to find treasury bond information going back to 1900 because Treasury Bills have only been issued since 1929. The U.S. Department of the Treasury will give you data back to 1990. There's a good article in the Globe and Mail which covers why you may want to buy bonds as part of your portfolio. The key is diversification. Historically, stocks have done better than bonds long-term, but when stocks fall, bonds tend to (though do not always) go up. If you are investing for 30 years, the risk of putting money into bonds is that you will not make as much money as if you had put the money into stocks. Historically (in the US or Canada), you'd have seen positive returns, just not as high as investing in the stock market. There are many investment strategies. I live in Canada and personally favour the one described in the Canadian Couch Potato, a passive index investment strategy where I invest my money in Canadian, U.S. and International equity (stock market mutual funds) and also in a Canadian bond fund. There are, of course, plenty of people who will tell you to take a radically different strategy with your investments.


So, why or why should I not invest in the cheaper index fund? They are both same, one is not cheaper than other. You get something that is worth $1000.  To give a simple illustration; There is an item for $100, Vanguard creates 10 Units out of this so price per unit is $10. Schwab creates 25 units out of this, so the per unit price is $4. Now if you are looking at investing $20; with Vanguard you would get 2 units, with Schwab you would get 5 units. This does not mean one is cheaper than other. Both are at the same value of $20.   The Factors you need to consider are; Related question What differentiates index funds and ETFs?


Lets talk about price gouging. Laws intended to protect victims in a disaster, that actually serve to make it more difficult to service the needy.  Allowing producers to charge a higher price for items that are in high demand (Water, gas etc) sends signals to other producers that profits are available. This in turn gives them incentive  to make extraordinary efforts to service victims.  No one is going to drive 200 miles to sell water if the price is limited by law, there will be less water available for all.  If huge profits are available to those entrepreneurs who take the risk to help people, then more people will engage in the helping, and more resources will be available for all. The prices will eventually come down as supply is restored and as more competitors enter the area.  TL;DR - I would rather have expensive water in an emergency, than no water.


Trick question dude. Can't be done. Sorry to tell you. I've been hit with this. Credit card companies do not make money on these customers. Why does Amex have an annual fee on all cards and an abnormally large transaction fee for merchants? Because they don't allow you to carry a balance (On traditional cards). Meaning they don't make money on interest, like the customers in question here.


There are many reasons but perhaps the most telling is that these small foreign companies usually have not experienced diminishing marginal returns. This means they grow faster, which means higher returns for investment. However a lack of infrastructure, and of political and economic stability, make these investments risky!


Interesting. The answer can be as convoluted/complex as one wishes to make it, or back-of-envelope.  My claim is that if one starts at 21, and deposits 10% of their income each year, they will likely hit a good retirement nest egg. At an 8% return each year (Keep in mind, the last 40 years produced 10%, even with the lost decade) the 10% saver has just over 15X their final income as a retirement account. At 4% withdrawal, this replaces 60% of their income, with social security the rest, to get to nearly 100% or so replacement. Note - I wrote an article about Social Security Benefits, showing the benefit as a percent of final income. At $50K it's 42%, it's a higher replacement rate for lower income, but the replacement rate drops as income rises. So, the $5000 question. For an individual earning $50K or less, this amount is enough to fund their retirement. For those earning more, it will be one of the components, but not the full savings needed.  (By the way, a single person has a standard deduction and exemption totaling $10150 in 2014. I refer to this as the 'zero bracket.' The next $8800 is taxed at 10%. Why go 100% Roth and miss the opportunity to fund these low or no tax withdrawals?)


Supposedly this also means that I am free from having to pay   California corporate taxes? Not in the slightest. Since you (the corporate employee) reside in CA - the corporation is doing business in CA and is liable for CA taxes. Or, does this mean I am required to pay both CA taxes and Delaware   fees? (In this case, minimal, just a paid agent from incorporate.com) I believe DE actually does have corporate taxes, check it out. But the bottom line is yes, you're liable for both CA and DE costs of doing corporate business (income taxes, registered agents, CA corp fee, etc). Is there any benefit at all for me to be a Delaware C-Corp or should I   dissolve and start over. Or just re-incorporate as California LLC Unless you intend to go public anytime soon or raise money from VCs/investors - there's no benefit whatsoever in incorporating in DE. You should seek a legal advice with an attorney, of course, since benefits are legal issues (usually related to choosing jurisdiction for litigation etc). If you're a one-person freelancer, doing C-Corp was not the best decision as well. Tax-wise you'd be much better off with a S-Corp, or a LLC - both pass-through and have no (Federal) entity-level taxes. Corporate rates are generally higher than individual rates, and less deductions can be taken. In California, check with a CPA/EA licensed in the State, since both S-Corp and LLC would be taxed, and taxed differently.


You just sound like a whiny little child screaming 'why do you like what I don't like!?'   I like physical books. One of the reasons for that is because I like putting them on a bookshelf and having a psychical collection. If you don't like that, I really don't give a flying fuck. You sit over there and play with your kindle and I'll sit over here and enjoy my shelves upon shelves of physical books. Neither of us is better than the other, we just *prefer different things*  You call me a pretentious douche but you're the person that comes off as one. Well done.


> I don't know what the BLS currently reports to be the Unemployment Rate including Discouraged Workers,  U4  The BLS tracks discouraged workers.  U3 is the traditional measure of unemployment, the headline number.  U4 counts discouraged workers.   You can find them, along with other measures of unemployment in [Table A-15. Alternative measures of labor underutilization](http://www.bls.gov/news.release/empsit.t15.htm).   [Adding Discouraged workers to the mix doesn't change the unemployment rate very much](http://research.stlouisfed.org/fred2/graph/?g=HAV).


"First - yes, take the 2.5%. It could be better, but it's better than many get. Second - choosing from ""a bunch"" can be tough. Start by looking at the expenses for each. Read a bit of the description, if you can't tell your spouse what the fund's goal is, don't buy it."


I'm a little confused on why this article is even on /r/business.     First off, this is a purely opinion piece from someone who seems to have only ever written opinion pieces.  Not to mention gives you a feeling that she's trying to tell her buddies in college how cool she is for being such a hipster.     Second, there's practically nothing that discusses the business of TJ's.  Yes, there's vague mention of it having a strong following and staff that knows the products, but that's about as much as is mentioned.          Seriously, this just seems more than a circlejerk article than anything.  Can we please keep these type of links out of /r/business?


I found some UK personal accounts offer up to 3% interest (no names here, but it is well known bank with red logo). You can take out directors loan from your company, put the cash into that personal account and earn interest. Just don't forget to return this loan before end of financial year, so this interest does not become your dividends.


">Chesnais declined to describe a lot of details about the console. But he said it is based on PC technology. He said Atari is still working on the design and will reveal it at a later date.  As someone who owned a Alienware Alpha ""Steambox"", I will say if Atari manages to create a low cost, PC based ""game console"" so people can play PC games in a home theater environment, and make it so simple it's just like using a PS4 or XBOX, then I think they stand a good chance at having something."


You are correct. If you get married by December 31, you will file as married for this year (Married Filing Jointly or Married Filing Separately) instead of Single. That could indeed save you some amount of taxes, if your situation is as you described. Some people do plan their date of marriage in such a way to optimize tax savings. Whether your marriage date should be set in such a way is your personal decision.


or just input it in my accounting software along with receipts, and   then when I'm doing taxes this would go under the investment or loses   (is it somewhere along that line)? Yes, this. Generally, for the long term you should have a separate bank account and charge card for your business. I started my business (LLC) by filing online, and paying a fee for a   registration, and that makes it a business cost right? Startup cost. There are special rules about this. Talk to your tax adviser. For the amounts in question you could probably expense it, but verify.


"Sales tactics for permanent insurance policies can get pretty sleazy. Sending home a flier from school is a way for an insurance salesperson to get his/her message out to 800 families without any effort at all, and very little advertising cost (just a ream of paper and some toner). The biggest catchphrases used are the ""just pennies per day"" and ""in case they get (some devastating medical condition) and become uninsurable."" Sure, both are technically true, but are definitely used to trigger the grown ups' insecurities. Having said that (and having been in the financial business for a time, which included selling insurance policies), there is a place for insurance of children. A small amount can be used to offset the loss of income for the parents who may have to take extended time away from work to deal with the event of the loss of their child, and to deal with the costs of funeral and burial. Let's face it, the percentage of families who have a sufficiently large emergency fund is extremely small compared to the overall population. Personally, I have added a child rider to my own (term) insurance policies that covers any/all of my children. It does add some cost to my premiums, but it's a small cost on top of something that is already justifiably in place for myself. One other thing to be aware of: if you're in a group policy (any life insurance where you're automatically accepted without any underwriting process, like through a benefit at work, or some other club or association), the healthy members are subsidizing the unhealthy ones. If you're on the healthy side, you might consider foregoing that policy in favor of getting your own policy through an insurance company of your choice. If you're healthy, it will always be cheaper than the group coverage."


Reddit has always had people paid to shill for nuclear, as did Slashdot before it. I rarely trust these threads to be genuine when there is a mad rush of seemingly well written pro-nuclear arguments instead of the usual mix of meme bullshit and irrational arguments and yelling. Something is just ALWAYS off about these threads.


Vacuum pump oil has been a part of this machinery world since 1866 as a result of an accident while performing different experiments to get distilled kerosene. The minds behind the brilliant discovery were Hiram Bond Everest and Matthew Ewing of America. Later it became one of the most credible standard oils in the oil industry.


"Probably because so many of the BMW douchebase moved into Teslas. Around here you're more likely to get cut off by some douche in a Tesla than a BMW anymore. Seems like Tesla must have offered the battery saving ""blinkerless"" option too."


As I've crunched numbers towards what my family could afford for a down payment (in an area with similar housing costs - don't you hate that high cost of living?), I've come up with the following numbers: We may be missing some area of expenses, but in general I think we are being fairly conservative.  You should consider making a similar list to determine your comfort level. Spend some time with an interest calculator to know the serious pain of each dollar you are paying interest on to a lender. Also know that the bigger your down payment, the more likely the seller is to accept your offer.  It shows you are serious.


> The main purpose of a corporation is to increase shareholders' wealth. Neither the workers, nor the CEO deserve anything from the profits, their pay has already been deducted as an expense.  This is the modern interpretation, yes. It is NOT the correct interpretation.  It used to be that the purpose of a corporation was to CREATE something - a product, a service...The profits were merely an incentive and a method to *continue* to create something. It is when that definition got corrupted that this whole mess started snowballing. Shareholders were supposed to be supporters of this creation - who were then rewarded for risking their money by having it repaid with a 'bonus' percentage of the profits.   Now that everything is ONLY 'for the profit' only, the creators (not the idea person - the actual, physical *creators* of the product or service) that started the whole thing in the first place are getting screwed. And, yes, they DO deserve some of the fruits of *their own* darn work.  Again, I reiterate: attitudes like that are why the economy is in the crapper. When you put profit before all else and run around screaming 'Mine! Mine! Mine!' about them, then you are engaging in the slash-and-burn policies that are the cause of the whole mess.


Since you mention the religion restriction, you should probably look into the stock market or funds investing in it. Owning stock basically means you own a part of a company and benefit from any increase in value the company may have (and 'loose' on decreases, provided you sell your stock) and you also earn dividends over the company's profit. If you do your research properly and buy into stable companies you shouldn't need to bother about temporary market movements or crashes (do pay attention to deterioration on the businesses you own though). When buying stocks you should be aiming for the very long run. As mentioned by Victor, do your research, I recommend you start it by looking into 'value stocks' should you choose that path.


The article John cites says no correlation, but this chart from the article says otherwise;  One sees the rate drop from 14% to 4% and housing rise from an index of 50 to near 190. (reaching over to my TI BA-35 calculator) I see that at 14%, $1000/mo will buy $84,400 worth of mortgage, but at 4%, it will buy $209,500. 2-1/2 times the borrowing power for the same payment. But wait, my friends at West Egg tell me that inflation means I can't compare $1000 in 1980 to the same $1000 in 2010. The $1,000 inflates to $2611 (i.e. an income rising only with inflation, no more) and that can fund a mortgage for $546,900. This is 6.5 times the original borrowing power, yet the housing index 'only' rose 3.8X. See that crazy chart? Housing actually got cheaper from 1980 to the peak. Statistics can say whatever you wish.  Interest rate change drove all the change in housing prices, but not quite as much as it should have.  To answer your question - I expect that when rates rise (and they will) housing prices will take a hit. In today's dollars, a current $1000 borrows (at 4%) nearly $210K, but at 6%, just $167K. If rates took a jump from these record lows, that's the nature of the risk you'd take.


What if you felt you were cheated by the bank?  What if you had something terrible unexpected happen to you financially?  Also a loan is not a promise.  A loan is a contract.  The contract has outs for all parties.  I never understood why people felt a loan was a promise.  Many people were sold home mortgages that they did not understand.  Of course it is their fault for not understanding what they were getting into.


"The ""Home Affordable Refinance Program"" is finally able to help folks restructure and lower their monthly payments. Financially savvy homeowners are actively planning to accelerate their payments and shave years off the mortgage. Regardless of how the homeowner chooses to use the monthly savings, the reality is that every penny saved is definitely a penny earned."


10 dollars at Taco Bell is basically unlimited food. You finish that crunch wrap and two tacos and remember you got a chicken chalupa, all while sipping on the Dew of Mountains.   Side note is that what Mt Dew supposed to taste like?


From the description, you have a post-1998 income contingent loan. The interest rate on those is currently 1.5% but it has varied quite a bit in the last few years due to the formula used to calculate it, which is either the inflation rate (RPI), or 1% + the highest base rate across a group of banks - whichever is smaller. This is indeed really cheap credit compared to any commercial loan you could get, though whether you should indeed just repay the minimum depends on making a proper comparison with the return on any spare money you could get after tax elsewhere. There is a table of previous interest rates. From your description I think you've had the loan for about 4 years - your final year of uni, one year of working without repayments and then two years of repayments. A very rough estimate is that you would have been charged about £300 of interest over that period. So there's still an apparent mismatch, though since both you and I made rough calculations it may be that a more precise check resolves it. But the other thing is that you should check what the date on the statement is. Once you start repaying, statements are sent for a period ending 5th April of each year. So you may well not be seeing the effect of several months of repayments since April on the statement. Finally, there's apparently an online facility you can use to get an up to date balance, though the administration of the loans repaid via PAYE is notoriously inefficient so there may well be a significant lag between a payment being made and it being reflected in your balance, though the effect should still be backdated to when you actually made it.


"In an ""efficient"" investment market the amount of risk premium would EXACTLY offset the likelihood of loss, such that over long time frames the expected return on investment would be equal for all investment options.  In practice, we usually see that riskier investments yield a higher long-term return because the risk premium is larger than that ""efficient"" amount. This is because many investors don't have a long-term time horizon, and the pain of loss is greater than the reward of gain (""asymmetric preferences""). It's also important to think about the risk-reward interaction as being PERCEIVED risk to EXPECTED reward.  If I'm lending money to somebody who is likely not to pay me back, I'd want a better deal than if I were lending to somebody who is certain to pay. I think that addresses your confusion, but if I misinterpreted what's puzzling you, please let me know and I"


Is it possible to open a GBP bank account in Pakistan ? Yes, I have one in HBL. Askari and SCB also offer GBP, USD, Yen and Euro Accounts. They might ask for source of income but that shouldn't be a problem. I work in Singapore (should my Salary Slip to open account) and do online remit from my Singapore Account to HBL GBP, the good thing is the exact amount in GBP gets transferred (although I have to tolerate SG Bank's exchange rates) Are there any risks in doing so ? No Risk but caution. If you are a Tax Filer in Pakistan, then you MUST include this account's balance in opening/closing and also mention any remitances receievd in this account under Income and Assets seperately. All money is legit with bank statements of my pay which is between 35K   and 40K per year, am I going to have any trouble at airport as limit   is £7K only Cash carry limit while travelling has nothing to do with FC (Foreign Currency) Account. You should never travel with more than 10K USD in total.


When the market moves significantly, you should rebalance your investments to maintain the diversification ratios you have selected. That means if bonds go up and stocks go down, you sell bonds and buy stocks (to some degree), and vice versa. Sell high to buy low, and remember that over the long run most things regress to the mean.


I am suggesting that, on a macro level, a wage increase of 2% would offset a 1% increase in unemployment.   More spending power equals more demand, and more demand creates jobs. While hard in the short term, Bob's job will come back but with a higher wage.    If your goal is that no one lose their job, capitalism is not the economic system for you.


"Dude you're so full of shit. You're top post starts off with   ""Disclaimer: I am prepared to work my ass off and am glad I chose this career. I am not looking for a 3 day workweek.""  If you're seriously making millions, you wouldn't be getting into medicine.   Stop lying on the internet.   Another of your gems.  ""The lifestyle being unemployed is fantastic! You don't even have to go into work!""  While the rest of your post complain about how you can't pick your specialty or you just cant imagine working long hours."


"Another option is to set up an accoutn with Western Union Bill Payment Solutions, where your customer could go to one of their locations and pay in cash and then the cash is transferred to your account. See ""Walk in Cash Payments"" on their site."


Section 8 housing, at least these days, is a scam meant to funnel poor and 'undesirables' into shitty areas and shitty housing away from the wealthy affluent areas that have decent jobs and services. Int he 70s people on assistance, which includes lots of minorities, were entering into middle-class or better white neighborhoods and making racists and classists angry. So then they decided people on section 8 were spending too much money on rent and instead moved them to cheaper section 8 housing blocks. Of course areas purposefully concentrated with people all on government assistance would never flourish economically, but it does make the surrounding land cheaper, thus you can build and cram even more section 8 people into that area and get paid by the government to do it.  Unsurprisingly, you don't have a flourishing economy in an area mainly composed of poor people with the cheapest and shittiest housing they can legally make. No businesses want to move there so crime rates go up and desirability keeps going down.


It's as likely as seeing a Marvel Pixar movie, or Mickey Mouse on ESPN. The Walt Disney Company is very very big, composed of strong autonomous units. Asides from the occasional cross-promotion between ABC and ESPN for football and basketball games, there's very little crossover between each of it's respective parts. What's great about being owned by Disney is that you have enough money to do whatever you want.


Investing is good. Insurance when you have something to insure is good. But using a single account for investing and insurance is not so good. You need to determine how much you need to invest for retirement. You also need to determine if you need life insurance. As a single person you might determine that you don't have a great need for life insurance. If you get married, or have kids, your needs may grow. So you will want to revisit your decisions every so often. You may need to save for retirement, or setup a college fund. You may need to protect your spouse or children in case you die. It doesn't seem to make sense to invest and insure in a plan with complicated rules, fees and schedules. What happens if in 3 years you need to blow it up and start over? What surrender charges will they hit you with?


If a business tool has a limited lifespan, it's value decreases (depreciates) from year to year. The business can capture that loss of value on some things that it couldn't otherwise write off as expenses. A few tools can be either expenses or depreciated, but only one of those can be chosen for that particular object. This is generally not relevant for individual taxpayers, unless you can show that the item is being used for income-producing purposes.


'Free trade' has been, in my view, a complete disaster.  We keep being told about all the benefits- cheap garbage products- but a guy without a job doesn't really care how cheap goods are.    And rising wages over-seas?  Whenever a country attempts to raise wages the jobs shift to whatever country happens to have the cheapest labor.  It has always been a race to the bottom- a means for those with a lot to get more.


"A number of sites provide delayed option chains online. Yahoo Finance is one example:  I linked to Apple's chain, but to get one yourself, put the ticker you want in the search box, then click the ""options"" link in the sidebar that I called out in the image."


"A few comments here: 1) a degree from an Ivy League school is the most common ""golden ticket"" to an IB job. Ever wonder why kids with psychology degrees are working at GS or JPM investment banking?  2) short of an Ivy League degree, good (not even great) grades are a standard (think 3.3 GPA and above) and network like crazy.  3) have an uncle who works in IB (obviously you have a huge advantage here) and get an internship at his firm.  4) understand what entry level IB entails. Expect long hours (think 7am - 1am), dull work (putting together power point decks, running comp tables, formatting excel sheets), and high pay.  5) understand number 4."


You should look into an LLC.  Its a fairly simple process, and the income simply flows through to your individual return.  It will allow you to deduct supplies and other expenses from that income.  It should also protect you if someone sues you for doing shoddy work (even if the work was fine), although you would need to consult a lawyer to be sure. For last year, it sounds like your taxes were done wrong.  There are very, very few ways that you can end up adding more income and earning less after taxes. I'm tempted to say none, but our tax laws are so complex that I'm sure you can do it somehow.


Private investors as mutual funds are a minority of the market.  Institutional investors make up a substantial portion of the long term holdings.  These include pension funds, insurance companies, and even corporations managing their money, as well as individuals rich enough to actively manage their own investments.   From Business Insider, with some aggregation:   Numbers don't add to 100% because of rounding.  Also, I pulled insurance out of household because it's not household managed.  Another source is the Tax Policy Center, which shows that about 50% of corporate stock is owned by individuals (25%) and individually managed retirement accounts (25%).   Another issue is that household can be a bit confusing.  While some of these may be people choosing stocks and investing their money, this also includes Employee Stock Ownership Plans (ESOP) and company founders.  For example, Jeff Bezos owns about 17% of Amazon.com according to Wikipedia.  That would show up under household even though that is not an investment account.  Jeff Bezos is not going to sell his company and buy equity in an index fund.   Anyway, the most generous description puts individuals as controlling about half of all stocks.  Even if they switched all of that to index funds, the other half of stocks are still owned by others.  In particular, about 26% is owned by institutional investors that actively manage their portfolios.   In addition, day traders buy and sell stocks on a daily basis, not appearing in these numbers.  Both active institutional investors and day traders would hop on misvalued stocks, either shorting the overvalued or buying the undervalued.   It doesn't take that much of the market to control prices, so long as it is the active trading market.  The passive market doesn't make frequent trades.  They usually only need to buy or sell as money is invested or withdrawn.  So while they dominate the ownership stake numbers, they are much lower on the trading volume numbers.   TL;DR:  there is more than enough active investment by organizations or individuals who would not switch to index funds to offset those that do.  Unless that changes, this is not a big issue.


No. Such companies don't exist. Derivative instruments have evolved over a period and there is a market place, stock exchange with members / broker with obligations etc clearly laid out and enforceable. If I understand correctly say the house is at 300 K. You would like a option to sell it to someone for 300 K after 6 months. Lets say you are ready to pay a premium of 10K for this option. After 6 months, if the market price is 400 K you would not exercise the option and if the market price of your house is 200 K you would exercise the option and ask the option writer to buy your house for 300 K. There are quite a few challenges, i.e. who will moderate this transaction. How do we arrive that house is valued at 300K. There could be actions taken by you to damage the property and hence its reduction in value, etc. i.e. A stock exchange like market place for house is not there and it may or may not develop in future.


It sounds like you're mixing a simple checkbook register with double-entry bookkeeping. Do you need a double-entry level of rigor? Otherwise, why not have two columns, one for income (like a paycheck) and one for expenses (like paying a cable bill)?  Then add up both columns and then take the difference of the sums to get your increase or decrease for the time period. If you want to break up income and expenses further, then you can do that too.


Other people lie to the companies about how many miles they drive, so they can't take the mileage figures literally.   You aren't specifying whether you want liability only, or more-comprehensive insurance.  Stuff happens when you aren't driving.  Cars get stolen.  Other drivers hit parked cars and leave.  Trees fall on parked cars.   Move to Virginia where insurance is not required.   Just pay $500 a year for not having insurance, and be careful.


Also, how much did Microsoft pay out in dividends during that time? (Another theoretical consideration would be how much other capital they issued, but I don't think they have)  Edit: if you guys are talking about share price during Ballmer's tenure as a metric of performance then you have to consider total return to shareholders. Failure to do so is simply a wrong approach


Don't even remind me of poor CS.  My mom was on the phone for 5 hours yesterday 5 HOURS with Expidia because they messed up on their end. They offered my mom $25 credit but they never emailed it.  After the 5 hours they said that they had no record of the calls and we had to call the air plane company ourselves.  I am never using them again


Theaters make pennies off the tickets if any money at all. Their profits come from the concession stand. If a theater priced their popcorn 50 cents less than a nearby competing theater the few if any customers that notice and seek those small savings would be far less than the losses due to charging less. They compete to get you there: providing better sound systems, seating, screens -- even taking a loss on tickets with special deals (like Tuesday bargains). Once inside profit is made by customers willing to pay the concession price premium, and sour patch kids for 15 cents more isn't going to be a deal breaker.


According to LegalZoom:  If your debtor is unwilling to pay and you know they have the means,   it's time to use your local sheriff. You have three options to   collect: a bank levy, wage garnishment, or a real estate lien. It sounds like you'll need to reach out to your local police/sheriff's department and they can further help you out and get you your money.


I commented about oil in response to u/timothyblomfield. I know way more about oil than any other commodities.   But steel is another heavily scrutinized commodity. All the talk of China importing illegal steel, people losing steel jobs, etc. Commodities become important like this when international politics become involved.


"Bieber has some very smart managers that work for him that use his social status, fan base, and money to invest in growing tech companies looking for the next ""Google."" These managers label his image on these companies and the fan base follows, thus gaining them a profit without having to work too hard to gain customers since Bieber's tweets alone are enough for advertisement."


It really varies based on the stock (volatility is the main determining factor), and whether you are talking about temporary or permanent price impact,  how long you are trading, etc. The below paper fits a functional form to a set of Citigroup data and estimates for a 10% dtv trade in a large cap like IBM the price would move on the order of 30bps. Presumably smallcaps would be more expensive. Their estimate seems a bit low to me but I'm more familiar with futures, so maybe it's not unreasonable  https://www.google.com/url?sa=t&source=web&rct=j&ei=JjDsU_L-CI33yQSh4oKQDA&url=http://www.math.nyu.edu/~almgren/papers/costestim.pdf&cd=3&ved=0CCQQFjAC&usg=AFQjCNGN6LmPb9sHR5dljcJJ2rV4bNE4Jg&sig2=WYhcCUFr8WcRfetA24wXLg


"the easiest thing would be to go to walmart and stock up on 1000$ money orders paying a 70 cents fee for each. your landlord would almost certainly accept money orders, but double check first just in case. i say stock up because you can't get a money order for more than 1000$ and they usually won't let you buy more than 3 per day. alternatively, you can probably open a bank account using your ssn and your passport.  look for any bank offering ""free"" checking, and they should be able to give you a few ""starter"" checks on the spot when you open the account. in any case, they can certainly get you a cashier's check for free or a small fee.  side note: if you want to shop around for a checking account, look for a bank or credit union offering a ""kasasa"" account."


"> I answered all of those questions with specifics.   No you did not answer, and no ""specifics"" from you.  So again:  > Please spoil it for me and tell me how removing illegal aliens does not help the economy.  > Please tell me how NAFTA helped the USA economy.  > Please tell me how TPP will help the USA economy.  > **Please tell me why the stock market is going up, if Trump is ruining the economy.**"


"a link to this article grabbed my Interest as I was browsing the site for something totally unrelated to finance.  Your question is not silly - I'm not a financial expert, but I've been in your situation several times with Carmax Auto Finance (CAF) in particular. A lot of people probably thought you don't understand how financing works - but your Car Loan set up is EXACTLY how CAF Financing works, which I've used several times. Just some background info to anyone else reading this - unlike most other Simple Interest Car Financing, with CAF, they calculate per-diem based on your principal balance, and recalculate it every time you make a payment, regardless of when your actual due date was.  But here's what makes CAF financing particularly fair - when you do make a payment, your per-diem since your last payment accrued X dollars, and that's your interest portion that is subtracted first from your payment (and obviously per-diem goes down faster the more you pay in a payment), and then EVerything else, including Any extra payments you make - goes to Principal. You do not have to specify that the extra payment(S) are principal only. If your payment amount per month is $500 and you give them 11 payments of $500 - the first $500 will have a small portion go to interest accrued since the last payment - depending on the per-diem that was recalculated, and then EVERYTHING ELSE goes to principal and STILL PUSHES YOUR NEXT DUE DATE (I prefer to break up extra payments as precisely the amount due per month, so that my intention is clear - pay the extra as a payment for the next month, and the one after that, etc, and keep pushing my next due date). That last point of pushing your next due date is the key  - not all car financing companies do that. A lot of them will let you pay to principal yes, but you're still due next month. With CAF, you can have your cake, and eat it too. I worked for them in College - I know their financing system in and out, and I've always financed with them for that very reason.  So, back to the question - should you keep the loan alive, albeit for a small amount. My unprofessional answer is yes! Car loans are very powerful in your credit report because they are installment accounts (same as Mortgages, and other accounts that you pay down to 0 and the loan is closed). Credit cards, are revolving accounts, and don't offer as much bang for your money - unless you are savvy in manipulating your card balances - take it up one month, take it down to 0 the next month, etc. I play those games a lot - but I always find mortgage and auto loans make the best impact.  I do exactly what you do myself - I pay off the car down to about $500 (I actually make several small payments each equal to the agreed upon Monthly payment because their system automatically treats that as a payment for the next month due, and the one after that, etc - on top of paying it all to principal as I mentioned).  DO NOT leave a dollar, as another reader mentioned - they have a ""good will"" threshold, I can't remember how much - probably $50, for which they will consider the account paid off, and close it out. So, if your concern is throwing away free money but you still want the account alive, your ""sweet spot"" where you can be sure the loan is not closed, is probably around $100.  BUT....something else important to consider if you decide to go with that strategy of keeping the account alive (which I recommend). In my case, CAF will adjust down your next payment due, if it's less than the principal left. SO, let's say your regular payment is $400 and you only leave a $100, your next payment due is $100 (and it will go up a few cents each month because of the small per-diem), and that is exactly what CAF will report to the credit bureaus as your monthly obligation - which sucks because now your awesome car payment history looks like you've only been paying $100 every month - so, leave something close to one month's payment (yes, the interest accrued will be higher - but I'm not a penny-pincher when the reward is worth it - if you left $400 for 1.5 years at 10% APR - that equates to about $50 interest for that entire time - well worth it in my books. Sorry for rambling a lot, I suck myself into these debates all the time :)"


This is probably more of an /r/AskReddit than a /r/finance question, but whatever.   From the title I was going to tell you to start working on your resume- if a company is having trouble paying wages it is not a good sign. But the text makes it sound like the company's financial health is fine and the HR department is just totally incompetent. Go back to them with a smile on your face and just be polite but persistent until they fix the problem. Ask nicely and they may be able to cut you a check on the spot or pay you out of petty cash.   People screw up repeatedly and it sucks. When your coworkers screw up your priorities should be fixing the problem but also embarrassing them as little as possible in the process.


From India Tax Point of view, your parents can Gift you the money. There is no tax due to this in India for your parents or for you. Transferring the funds out of India is also possible.  Under the Liberalized Remittance Scheme by RBI, one can transfer upto 200,000 USD. Please check with your Bank for the exact paperwork.  Typically PAN and a CA certificate mentioning the relevant clauses and certifying the purpose is required.  Bank may have some more paperwork on its own.


No, it would not show up on the income statement as it isn't income. It would show up in the cash flow statement as a result of financing activities.


"This is the best tl;dr I could make, [original](https://www.aier.org/blog/social-security-cost-living-adjustment-likely-largest-2011) reduced by 81%. (I'm a bot) ***** > With inflation ticking upward in 2017, retirees are likely to see the largest cost-of-living adjustment in their Social Security benefits since 2011.  > Our forecasted increase for the cost-of-living adjustment would add between $23 and $29 to the average Social Security beneficiary&#039;s monthly check, higher than any adjustment since 2011 but still below the average annual adjustment since 2011 of 2.3 percent.  > The Social Security Administration calculates the cost-of-living adjustment using the Consumer Price Index for Urban Wage Earners and Clerical Workers.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/75k0hx/social_security_cost_of_living_adjustment_likely/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~225800 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **adjustment**^#1 **percent**^#2 **year**^#3 **CPI-W**^#4 **average**^#5"


"Have you tried registering for social housing?  Rent prices through social housing are typically cheaper than on the free market.  You might be able to jump to the front of the waiting list due to your wife's unexpected handicap.  See this link: http://www.rijksoverheid.nl/onderwerpen/huurwoning/sociale-huurwoning-huren To more directly answer your question: I don't think there is any limitation on how your family needs to get the money to lend it to you.  They could lookinto a personal loan (persoonlijke lening), but they might not be able to borrow enough.  The Netherlands does not have a direct equivalent of a Home Equity Line of Credit (HELOC), but your family could potentially get a second mortgage (tweede hypotheek) on their house in order to get the money to lend you. However, be aware that this is a very risky endeavor.  There are lots of unknowns that could leave you unable to pay or your family unable to pay.  Receiving the money as a gift with the intention to repay it but no formal agreement in place may also leave you and your family in a difficult position.  I would encourage you to visit a mortgage advisor together to discuss scenarios. Note that one possible option you may want to explore is a ""family mortgage"" (familiehypotheek).  This is just a fancy way of saying that your family can act as (one of) your mortgage lenders.  You and your family must comply with all relevant rules and regulations to do this, including them charging you interest and them reporting certain things to the tax authorities.  Vereniging Eigen Huis has details on how to set such a mortgage up and how to manage the required reporting: https://www.eigenhuis.nl/webwinkel/hypotheekservice/familiehypotheek/"


It used to be quite easy for students to get credit cards. When I was in college in the early 1980s, credit card companies set up tables in the student center and offered low-limit cards along with free t-shirts on an almost daily schedule. The Credit CARD Act of 2009 made this much more difficult for banks. If you have a bank or credit union account, the first thing I would do is talk to them about getting a card. Some banks offer a VISA Student Card specifically for college students. My daughter was able to get one when she turned 18, just before starting college. The credit limit is very low ($200 for freshmen, increasing each year until the limit is $500 during senior year). After graduation, it converts to a regular VISA account with a limit that depends on post-graduation income and the now established 4 years of credit history. The VISA web site has a list of banks offering this type of card. Now I will give you the same unsolicited advice I gave my daughter, and the same advice I think most others here would give you. For building credit, this kind of card is excellent, but you should still use it very sparingly, and pay off the balance every month. Make it a hard rule to never pay interest on a credit card bill. I told her to charge perhaps one or two purchases totaling no more than $25-$50 each month, and pay them off as soon as the statement arrives. This is much easier if you have a deposit account at the same bank, since you will be able to pay the bill instantly on line. Have your employer direct deposit your paychecks into that bank account, if at all possible.


Etiquette doesn't really come into the picture here. The business offers a service and I choose to accept it. Personally, I use my debit card as much as possible. For every transaction, I record it in my checkbook. Then, when I do reconciling, I know exactly how much I paid for various categories of stuff. Good for budgeting. Most often my purchases are over $10 but when they aren't, I have no qualms about using the card.


Where I live, the delivery people are so bad they just leave super expensive packages on the stoop/porch. It is very risky to have anything of value ordered to an address in my neighborhood.  Amazon Key solves that problem, and probably has enough insurance if anything goes wrong. What is your issue with it?


Without knowing the specifics it is hard to give you a specific answer, but most likely the answer is no. If they limit the participation in the site to accredited investors, this is probably not something they are doing willingly, but rather imposed by regulators. Acredited investors have access to instruments that don't have the same level of regulatory protection & scrutiny as those offered to the general public, and are defined under Regulation D.  Examples of such securities are 144A Shares, or hedgefunds.


In my mind its not the same.   If growth is stock value then this is incorrect because of compound interest in stock price. $100 stock price after one year would be $105 and a dividend would be $2 Next year the stock would be  $110.20 (Compound Interest) and would the Dividend really go up in lock step with the stock price? Well probably not, but if it did then maybe you could call it the same. Even if the dollars are the same the growth rate is more variable than the dividends so its valuable to segregate the two. I am open to criticism, my answer is based on my personal experience and would love to hear contrary positions on this.


Have you tried others on Wikipedia's list?


There is no more US supplier for most industrial commodity and consumer goods.  for eg. I want to see how pentagon buys printer and printer's ink.  Or imagine price of computer if pentagon has to buy every component american. (eg. there is no more US screen maker.)  essentially, Pentagon will have to go back to 80's technology.


It depends on the finances involved, but particularly if you're not billing anything right now and may have no revenue this year, it's probably a good idea to bill his company. This is in part because some deductions or other tax treatments are only allowed if you have revenue and/or income.  The biggest example I can think of is the Solo 401k - you can only contribute up to your self employed income.  If you're planning to contribute to one (and you should, they're amazingly powerful tools for saving for retirement and for reducing your tax burden), you will have to have some revenue in order to have something to pay yourself with. I don't believe you have to charge him, though, if it makes more tax sense not to (for example, if his business is operating at a loss and cannot benefit from expensing it, but you'd then have to pay taxes on your own income from it).


I don't think the location of the funds is any of your concern. You're buying a CDI, which is: Australian financial instruments The US has no jurisdiction over you, being you an Australian, so unless you own a US-based asset (i.e.: a real-estate in the US, or a US brokerage account), US tax laws shouldn't matter to you.


They make money off you by increasing the spread you buy and sell your stocks through them.  So for example, if the normal spread for a stock was $10.00 for a buy and $10.02 for a sell, they might have a spread of $9.98 for the buy and $10.02 for the sell. So for an order of 1000 shares (approx. $10000) they would make $0.02 per share which would equal $20.00.


He's comfortably middle class, but not wealthy. The Tesla was purchased in a multi-owner shared arrangement, and the solar panels were installed by a company that supplies the capital for the panels with a long-term agreement to supply power to the homeowner and takes care of the more complex business agreements to feed back power to the grid. The situation on paper looks like  a long term break even - but we'll have to see.  Overall, even if he's paying a bit more in electric cost, the arrangement gives a lot of stability in exchange.  To me it's clear that going electric car + renewable electric is a long-term good on the principle of becoming nationally independent from geopolitical enganglements, but also more towards becoming individually independent in terms of being isolated from instability in gas prices, utility prices, and even in times of natural disaster.


"Their definition of a brand ""disappearing"" is extremely weak.  It just has to meet one of these criteria:  * a rapid fall-off in sales and steep losses; * disclosures by the parent of the brand that it might go out of business; * rapidly rising costs that are extremely unlikely to be recouped through higher prices; * companies that are sold; * companies that go into bankruptcy; * companies that have lost the great majority of their customers; or * operations with rapidly withering market share.  By that definition a brand like MySpace has ""disappeared"" in each of the last four years.  In fact, they just put Myspace on their list last year and marked it as one of the companies they correctly predicted because it was sold."


"I doubt it's a scam. It would be extremely difficult (if not impossible) to pay someone money using PayPal and end up getting more than you paid back. PayPal doesn't have the concept of ""pulling"" money without the owner of the account signing up for a subscription. Otherwise the owner must ""push"" the payment to the recipient. So, it is very likely that someone simply mistyped an email address which happens to be an alias of yours (since the periods are optional in gmail addresses). As for what to do, I think you've already done the right thing by contacting both PayPal and the sender."


"Keep in mind this is an opinion piece. The Foreign Sovereign Immunities Act (FSIA) would have indemnified Argentina from virtually all of these suits. FISA lets sovereigns opt out of its protections, which Argentina did. Argentina waived immunity from suit in New York state or federal court and its immunity from the attachment of its assets within the US to satisfy a judgement.   In this particular case, it also agreed this issuance of debt would ""rank *pari passu* [with its other debt obligations] and ***without any preference among themselves***"" (emphasis added) (1994 Bondholder Agreement). This is the clause the court used when deciding whether Argentina could pay some bondholders and not others. It is fairly unambiguous that bondholders are all on equal footing. It also added that these debt obligations would rank at least equally with Argentina's other unsecured debt.   This was not a coincidence. By issuing in New York and subjecting itself to New York/US law, Argentina was able to obtain a *much* more favorable borrowing rate. Argentina was the drafter of the debt agreement where it promised to treat all borrowers the same, and it was the party who waived its immunities inherent under US law. It benefited greatly from the substantially lower borrowing costs it enjoyed by doing so.   Because Argentina waived its sovereign immunities, the court looked to the language in the contract. It states the debt will all be treated the same, and will be subject to NY/US law. It is hard to say it is ""unfair"" for a New York court to enforce a contract Argentina wrote and then subjected itself to New York jurisdiction/law.   NOTE: Three US government agencies sided with Argentina (Justice, State, Treasury), claiming FSIA should at least partially apply regardless of waiver. They made mostly policy arguments about how sovereigns should enjoy at least partial immunity. Argentina's debt contract was very liberal with its waiver of sovereign immunity, so it is not surprising the court looked to the actual contract when deciding what rights bondholders have."


"This reminds me of what Digg did when they tried to force ads on to users and displaced part of the social aspect of Digg.  The users left in droves.  I'm sure they were thinking ""surely all these eyeballs must be worth a fortune!""  They in fact were not.  Social websites will likely never be big business.  As soon as they try to fully monetize it all falls apart.  They all think they can get the same ARPU as Google.  They can't.  There is one Google.  There is only one company that arrived first at the full-scale realization that during a search is the best possible time to place an ad.  When the primary interaction sought is social then every ad simply gets in the way.  And that friction builds as the company tries harder and harder to inject the ads between the user and the social.  Having said that, Facebook can do fine.  They will likely make enough money to keep the servers running.  They'll just likely never see Google level ARPU."


Let me start out by saying I know your pain. One of the most important things to do is have the basics in stock in your larder. They are the sorts of things that keep well, and you can make great simple meals from them whenever, without having to worry about them going off in a matter of days.  A simple inventory like this - http://www.thesimpledollar.com/2006/12/06/the-well-stocked-kitchen-staple-foods-you-should-always-have-on-hand/ - can make a big difference. (This list is good, but check the comments for additional suggestions. There are a few extras that commenters reckon you should have and I think they are right - I certainly have more than just what's on that list.) And remember - frozen veg may or may not be as nutritious as fresh, but they are better than nothing.


Sure. But this wasn't the big secret you think. What's happening now is a result of (finally) a tougher line on corruption in Brazil. Remember Brazil is a country about 50 years behind the most developed countries in the world; the countries with the lowest corruption rates.


"> A better solution would be in invest in education and training so that you reduce the number of unskilled, low wage workers  When everybody's ""skilled"", the bar for skilled workers go up.  Used to be if you have a college degree you're set for a good job after graduation.  Now everybody and their grandma has college degrees and they're just starting to find out that a large portion of those are essentially worthless when it comes to getting them well-paying jobs."


Bleh, most designers overwork what is a simple task.  Wordpress, a theme and some tweaking cost almost nothing.  I worked at a design shop they would charge a few grand a few landing pages that didn't convert.  They were nice quality, clean code but were crap for interacting with a customer.


">All you have to do is survey the main cast of characters in finance and politics to assess the generational culpability. Dimon, Blankfein, Geithner - all Gen X.   **Ummm, excuse me?  But you're so full of SHIT it's coming out your ears.**  [Baby Boom: ~1946.. ~1964](http://en.wikipedia.org/wiki/Baby_boom_in_the_United_States#Definition_of_the_boom_years)  [Generation X: ~1964/65..~1982](http://en.wikipedia.org/wiki/Generation_X#Date_range)  **And as to your specific ""cast of characters"":**  * [Jamie Dimon, born **1956**](http://en.wikipedia.org/wiki/Jamie_Dimon) -- BOOMER.  * [Lloyd Blankfein, born **1954**](http://en.wikipedia.org/wiki/Lloyd_Blankfein) -- BOOMER  * [Timothy Geithner, born **1961**](http://en.wikipedia.org/wiki/Timothy_Geithner) -- BOOMER  Shall we go on?  * [Bill Clinton, born **1946**](http://en.wikipedia.org/wiki/William_Jefferson_%22Bill%22_Clinton) -- BOOMER  * [George W. Bush, born **1946**](http://en.wikipedia.org/wiki/George_w_bush) -- BOOMER  * [Barack Obama, born **1961**](http://en.wikipedia.org/wiki/Barack_Obama) -- BOOMER  and of course...  * [Ben Bernanke, born **1953**](http://en.wikipedia.org/wiki/Ben_Bernanke) -- BOOMER  Heck, let's even throw in...  * [Paul Krugman, born **1953**](http://en.wikipedia.org/wiki/Paul_Krugman) -- BOOMER  * [Larry Summers, born **1954**](http://en.wikipedia.org/wiki/Larry_Summers) -- BOOMER  ...and the list goes ON and ON (and the culprits are ALL Baby Boomers).   ---  You're right... Gen X wasn't ""raped"" -- Gen X was ""molested and abused in every way possible"" by it's older Baby Boomer  siblings (who were EVER only concerned with ""getting off"" themselves -- hence they appropriately were called the ""me, Me, ME"" generation their entire live).  And of course, nothing in that generation has changed -- they are STILL in charge, and are now ""molesting and abusing"" the NEXT generations -- their own children & grandchildren in Gen Y (and the still literal children of Gen Z, many of whom have yet to even be born)."


">eroding the 40-hour work week  Ha.  Ha.  Ha.  I made a Reddit post about the transformation from 9-5 into 9-6 once, and the responses basically indicate that the 40-hour work-week has been thoroughly eroded and mostly eliminated for a while.  Nowadays, either you ""get"" 32 hours/week at the low end so your employer can avoid giving you benefits, or you work more than 40 hours/week.  We need labor unions back."


"I appreciate your perspective, but I think it's fairly obvious that the ""made with 100% chicken"" thing is intended to hornswaggle, in some small way, consumers who aren't carefully evaluating food labels. There ain't no such thing as a crazy 50% chicken/turkey hybrid bird that could have contributed its meat to your chicken nuggets. If a thing is made with any chicken at all, then at some level it is ""made with 100% chicken."" Clearly we know the food manufacturer would prefer to say ""made with 100% chicken"" rather than ""made with chicken"" because while both are legal and both completely technically accurate, the former is the one that is used. The fact that they want to use it means that they are probably hoping people misinterpret the 100% to mean something it doesn't, because the 100% actually stands for nothing. The alternative to 100% is a logical impossibility."


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This was my exact thought when I first heard. It just sounds like inflation to me & I don't understand the logic. If everyone on average gets say...a ~3% boost on their score, why wouldn't banks just adjust their standards by 3%?


Yes. However, I have little experience with that either, I have never finished anything of note. I know that I would be steamrolled by even writers of fanfiction. I compare my pretensions to a professional writer to that of a teen in his bedroom becoming a successful rockstar.


I saw lots of them out in NM a handful of years back.  They looked great on paper, but I'm not sure they'd really hold up.  Especially in some areas with more extreme weather.  Plus, I'm a pig and like my electricity.


You must be rich. My condo was $98K. I paid about $2200 in mortgage interest last year. I opted to take the standard deduction instead. I make $80K a year and I cant even benefit from this deduction. It is really frustrating. I'm 30 with no kids and unmarried because I can't afford anything. Maybe when I'm 40 I can think about starting a family. If I'm lucky.


You would be surprised at how little coordination there is in some large companies.  I remember when the Walmart store that I used to work at sent a company in to install these new electric hand dryers in the restrooms.  Then, two weeks later, they started a complete remodel on the restrooms, ripping out the hand dryers that had just been installed.  Clearly, someone knew that hand dryers were going to be installed, and someone knew that the restrooms were going to be renovated.  But I imagine that the two parties never spoke to each other.


Depends.  New York offices likely Target ivy league, but I was in the Midwest and not Chicago, so they were more focused on the prestigious schools in their market.  The higher name the firm, and the more desirable the location, the more likely they target who you mention.  For the remaining firms, they most often have relationships with local programs that they use to recruit and hire.  How those relationships build can be name recognition like the ivy leagues, or on other factors


"I think you're thinking that ""in debt"" doesn't just mean ""owes a debt"" but somehow means ""owes more debt in total than the assets"". That condition, owing money without offsetting assets, is ""having a negative net worth"". If you have a mortgage then you have a debt and you are in debt. You may have a positive net worth, if you have equity in the house and your car and such like, and have cash in the bank. You may have a negative net worth if you owe more than you own. But either way you are technically in debt. Knowing that, it's not surprising that 75% of Americans are in debt. It's surprising that 25% are not. They have no credit card, no car loan, no mortgage, no line of credit, no student loans. Is it because they've paid all that off? Or because they are deadly poor and own nothing and can't be lent anything? You can't just say it's bad to have debt. It's bad to have too much debt, to have a negative net worth, to be in the habit of borrowing to finance a lifestyle you can't actually afford, and so on. But it's perfectly normal to have a debt or two. That's how our system mostly works."


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I get paid a 50 cents more at my second job than my day job, and at the end of the week my take home pay from the latter is $20 higher. Thats a bullshit argument. $5 per hour is a lot of money, especially considering that a lot of people have been living paycheck to paycheck throughout Obamas never ending recovery.  What makes a postman's hours $5 more valuable than a FedEx employee? By every measure, FedEx is a more productive and efficient entity than the US Postal Service. So why is the postman worth more? I'll tell you exactly why.  The FedEx employee's compensation is needs based. FedEx does a certain amount of business, which requires a certain amount of labor, which commands a certain price in the labor market. FedEx does not pay more for labor than it has to, because FedEx must be an efficient organization to meet its customers price expectations.  https://en.m.wikipedia.org/wiki/United_States_Postal_Service  The Postman's compensation is arbitrary, set by government officials with no direct accountability to customers. Because they know jack shit about logistics, Congress has mandated that the Postal Service offer services to the public at uniform price and quality. As such, it has continuously failed to manage its budget properly, to the tune of $5 to $10 billion dollar deficiets every year with a total mail volume that has declined 29% between 1998 and 2008.  Why does the Postal Service exist? Because it makes your congressman feel good, and he's more than willing to burn your money on the pyre of his sentimentality and false morilization over the massive, arbitrarily created vested interest postal employees have in losing their above average pay hack jobs than for any dedication you percieve he has to the welfare of his constituents.  If you want me to run down why I believe our government is not acting in our own personal best interests, the postal service is the perfect place to start.


"I am but one man but here's my ""use-case"":  I setup my Alexa Dot in the kitchen/living room area and use it most for:  - Asking it to play whatever I feel like listening to without fumbling over my phone with chicken hands - Asking it to set a variety of timers for whatever might be baking/cooking etc. - Keeping track of my grocery list as I inevitably run out of something mid-meal prep. - I often ask it do do simple math I can't be bothered with, or unit conversions   Of course, there are most certainly other solutions to this but it just seemed like a simple one to some of my ""problems"". It's a nicety, of course not a necessity... I just like it.  *Disclaimer* I'm extremely lazy and MOST of the time if I have to pause what I'm doing/drop what I'm holding, to reach for my cellphone or a paper list, I just wont.  But like you said, to each their own!"


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> CO2 emissions have very little to do with temperature increases. Ocean acidification is bogus.  Wow, I don't think I've seen anyone abandon their argument under serious challenge and present a new position either so quickly or blatantly.


Money aside, if there is career growth I say yes.   I moved out to Maryland years ago for my first job as well, some of the suburbs are pretty nice.  Learn how to cook the basics. That is where you will save money.


You can limit the value of your checking account tied to paypal by not putting money in that account. In fact, you should always limit the balance in your checking account to what you plan to spend, plus a reasonable buffer. Anything you have above and being that should be in separate accounts (both to minimize exposure as well as maximize your interest earned).


There were several incidences of cash shortages in the Danish system recently. On particular saturdays when the streets were bloated with shoppers, you could see the queues for the ATMs stretching for 40-50 yards, and people shaking their heads about why their cards didnt work in the shops.  They have a separate national system to visa called Dankort which everyone is very proud of. But it is curiously prone to failures from time to time. Large cash transactions (over 10,000 DKK) are monitored and questioned verbally when withdrawn or deposited in banks. Interesting also how Danish banks are the most heavily leveraged in Europe...


And on the last sentence, it doesn't matter when or where the money was earned (money is fungible, so there's generally not even any way to tell), but you do have to have sufficient earned income (that's basically money you earn from working, not from dividends and interest or selling stock and the like) in the contribution year to cover the IRA contribution.


Some highly pessimistic things worth noting to go alongside all the stability and tax break upside that homes generally provide: Negative equity is no joke and basically the only thing that bankrupts the middle classes consistently en masse. The UK is at the end of a huge housing bull run where rents are extremely cheap relative to buying (often in the 1% range within the M25), Brexit is looming and interest rates could well sky rocket with inflation. Borrowing ~500k to buy a highly illiquid asset you might have to fire sale in case of emergency/job loss etc for 300k in a few years when lots of (relatively) cheap rental housing is available to rent risk free, could be argued to be a highly lopsided and dangerous bet vs the alternatives. Locking in 'preferential' mortgage rates can be a huge trap: low interest rates generally increase asset values. If/when they rise, assets fall in value as the demand shrinks, making you highly exposed to huge losses if you need to sell before it is paid off. In the case of housing this can be exceptionally vicious as the liquidity dramatically dries up during falls, meaning fire sales become much more severe than they are for more liquid assets like stock.  Weirdly and unlike most products, people tend to buy the very best house they can get leverage for, rather than work out what they need/want and finding the best value equivalent. If a bank will lend you £20 a day to buy lunch, and you can just afford to pay it, do you hunt out the very best £20 lunch you can every day, or do you make some solid compromises so you can save money for other things etc? You seem to be hunting very close to the absolute peak amount you can spend on these numbers. Related to above, at that level of mortgage/salary you have very little margin for error if either of you lose jobs etc.  Houses are much more expensive to maintain/trade than most people think. You spend ~2-5% every time you buy and sell, and you can easily spend 2-20k+ a year depending what happens just keeping the thing watertight, paid for, liveable and staying up. You need to factor this in and be pessimistic when you do.  Most people don't factor in these costs to the apparent 'index' rise in house values and what they expect to sell for in x years. In reality no buy and hold investor can ever realise even close to the quoted house price returns as they are basically stocks you have to pay 5% each time you buy or sell and then 1-20% percent a year to own - they have to rise dramatically over time for you to even break even after all the costs.  In general you should buy homes to make memories, not money, and to buy them at prices that don't cause you sleepless nights in case of disasters.


The details of the DJIA methodology is outlined in the official methodology document on their website.  In addition, you will need their index mathematics document, which gives the nitty-gritty details of any type of adjustments that must be made. Between the two you should have the complete picture in as fine a detail as you want, including exactly what is done in response to various corporate actions like splits and structural changes.


Nope. Both the Nexus 4 and the Motorola Moto E do not have a consumer replaceable battery, unfortunately. While this did concern me in regard to my Nexus 4, obviously it wasn't an issue as my stupid butter fingers rendered the phone inoperable before battery life was reduced to a point where I needed to replace it. With the Moto E, since it was only $129 I suppose I don't mind that I'll most likely just replace the phone after several years regardless of the battery.


While it may not be your preferred outcome, and doesn't eliminate the income, in the event you find yourself in the path described here you have a way to defer gains to the future. but I would then want to buy another house as a rental If you sell this house and buy another investment property (within strict time windows: 45 days to written contract and closed in 180 days),  you can transfer your basis and defer your gains via what is called a 1031 like-kind exchange


> So, why are you against Trump?  I've answered almost all your questions up until this point.  How about you answer my two?  1) [Did President Trump say he thought Medicare Part-D should use its market share to negotiate drug prices, enter a room with executives from the pharmaceutical industry, and then come out saying he now opposed Medicare doing so](http://www.chicagotribune.com/business/ct-trump-drug-costs-20170202-story.html)?  Yes or no?  2) Has President Trump created, championed, or even backed any policy that would require the United States to take active steps to prepare for the upcoming problems caused by global warming?  Yes or no?


The cost of the popcorn is simply the hidden extension of the price the consumer pays for the movie ticket. Similar to the tips in the restaurant. And movie theaters do not compete by lowering the unit price. Instead to maintain the revenue per customer they try to offer more value - bigger screen, better sound, more comfortable seats, etc. That is why the price of the popcorn just like the price of the ticket itself does not go down in the competitive market.


Your best bet would be to find an independent Property and Casualty Insurance agent and buy through him/her. Insurance agents make a commission, yes - BUT - the cost to consumer is THE SAME whether you buy through an agent or through directly through the company. Any P&C agent would be happy to run your numbers for you and tell you what the cheapest deal is. Just make sure you find someone who writes for several different large insurers. Obviously, some P&C Insurance agents are slick salesy types, which can get annoying, but if you find someone nice, he or she can help you out at no cost to you (they are paid by the insurance company they place the business with). If you are straightforward with the agent about exactly what your needs, they can get you quotes quickly and save you a lot of time and hassle.


Well, China *will* slow at some point.  Even if it's still growing briskly (4-5%) that drop will shrink global demand for resources.  But $30-40/bbl?  I don't know about that.  I think there's an implied floor to prices now, thanks to some of the places we're getting oil from.  It's simply too expensive.  I know that the oil sands here in Canada are uneconomical below ~$60/bbl.  Such low prices, then, would squeeze supply.  I could see us riding $70-90/bbl for a few years though.


"Note: I am making a USA-assumption here; keep in mind this answer doesn't necessarily apply to all countries (or even states in the USA).  You asked two questions: I'm looking to buy a property. I do not want to take a risk on this   property. Its sole purpose is to provide me with a place to live. How   would I go about hedging against increasing interest rates, to counter   the increasing mortgage costs? To counter increasing interest rates, obtaining a fixed interest rate on a mortgage is the answer, if that's available.  As far as costs for a mortgage, that depends, as mortgages are tied to the value of the property/home.  If you want a place to live, a piece of property, and want to hedge against possible rising interest rates, a fixed mortgage would work for these goals. Ideally I'd like to not lose money on my property, seeing as I will be   borrowing 95% of the property's value. So, I'd like to hedge against   interest rates and falling property prices in order to have a risk   neutral position on my property. Now we have a different issue.  For instance, if someone had opened a fixed mortgage on a home for $500,000, and the housing value plummeted 50% (or more), the person may still have a fixed interest rate protecting the person from higher rates, but that doesn't protect the property value.  In addition to that, if the person needed to move for a job, that person would face a difficult choice: move and sell at a loss, or move and rent and face some complications. Renting is generally a good idea for people who (1) have not determined if they'll be in an area for more than 5-10 years, (2) want the flexibility to move if their living costs rises (which may be an issue if they lose wages), (3) don't want to pay property taxes (varies by state), homeowner's insurance, or maintenance costs, (4) enjoy regular negotiation (something which renters can do before re-signing a lease or looking for a new place to live).  Again, other conditions can apply to people who favor renting, such as someone might enjoy living in one room out of a house rather than a full apartment or a person who likes a ""change of scenes"" and moves from one apartment to another for a fresh perspective, but these are smaller exceptions. But with renting, you have nothing to re-sell and no financial asset so far as a property is concerned (thus why some real estate agents refer to it as ""throwing away money"" which isn't necessarily true, but one should be aware that the money they invest in renting doesn't go into an asset that can be re-sold)."


"The usual rule of thumb is that you should start considering refinance when you can lower the effective interest rate by 1% or more. If you're now paying 4.7% this would mean you should be looking for loans at 3.7% or better to find something that's really worth considering. One exception is if the bank is willing to do an ""in-place refinance"", with no closing costs and no points. Sometimes banks will offer this as a way of retaining customers who would otherwise be tempted to refinance elsewhere. You should still shop around before accepting this kind of offer, to make sure it really is your best option. Most banks offer calculators on their websites that will let you compare your current mortgage to a hypothetical new one. Feed the numbers in, and it can tell you what the difference in payment size will be, how long you need to keep the house before the savings have paid for the closing costs, and what the actual savings will be if you sell the house in any given year (or total savings if you don't sell until after the mortgage is paid off). Remember that In addition to closing costs there are amortization effects. In the early stages of a standard mortgage your money is mostly paying interest; the amount paying down the principal increases over the life of the loan. That's another of the reasons you need to run the calculator; refinancing resets that clock."


Before we were married my wife financed a car at a terrible rate. I think it was around 20%. When trying to refinance it the remaining loan was much larger than the value of the car, so no one was interested in refinancing. I was able to do a balance transfer to a credit card around 10%. This did take on a bit of risk, which almost came up when the car was totaled in an accident. Fortunately the remaining balance was now less than the value of the car, otherwise I would have been stuck with a credit card payment and no vehicle.


Can you isolate the market impact to just the Fed's quantitative easing?  Can you rule out the future economic predictions of low growth and that there are reasons why the Fed has kept rates low and is trying its best to stimulate the economy?  Just something to consider here. The key is to understand what is the greater picture here as well as the question of which stock market index are you looking at that has done so badly.  Some stocks may be down and others may be up so it isn't necessarily bad for all equally.


"If I had to guess (since you provided little information about your loan repayment), I'd guess that you're on the ""Extended"" repayment plan for your $72k loan, and the ""Standard"" plan for your $30k loan. In general, there are 4 main kinds of student loan repayment plans This holds true for federal loans (Direct/Stafford/PLUS). Private loans may not have all of these options, or they may have more. Running your numbers, I get 300 payments of $500/mo at 6.8% interest for a $72,000 loan, and 120 payments of $345/mo at 6.8% interest for a $30,000 loan. Now, to address your issue of interest vs principal, you should notice that each month you pay, the interest payment is slightly lower, and the principal slightly higher. And if you make bi-weekly payments, you'll see that change a LITTLE bit more quickly (slightly smaller balance accruing interest for 14 days of the month) and you'll also pay slightly less over time."


but we were in middle of bashing them... you cant come in here and say they were just cleaning up house.  Dont you know the ratings agencies in concert with all of american's poor encourages them to buy too much house via the CRA, that forced banks to rate mortgage backed securities as triple AAA.  Sorry for that rant but a lot of the same people in here bitching about the rating industry will claim the markets didnt have anything to do with the recession it was all the government and the poor.


If a high mileage car has been thoroughly maintained with a credible service history, there is no reason to discard the vehicle because of a hypothetical future expense.  Considering the low value of the vehicle, it would be prudent to also lower the cost of the repairs.  U.S. car dealerships have a well-known reputation for charging significantly higher repair rates than independent repair shops. Lower the cost of the repairs: brakes can be done at independent shops for half what the dealer quoted.  Sears can install a set of 4 tires on an '04 Accord for $331 out the door.  It makes no financial sense to purchase costly repairs for a low-cost automobile when economical alternatives are available.


I don't see how this is an example of throwing more money at the problem.  I see this as an issue of taking for-profit health insurance providers out of the equation, and making the U.S. government (i.e. the taxpayer) the sole payer for health care services in the United States.  Just like almost every other developed nation does it.


Saw a user in another thread that thought his wealthy grandparents stayed rich because they didn't eat out a lot and kept a budget for basic expenses.  It definitely wasn't their generational wealth and vast real estate holdings.


"Although is not online, I use a standalone version from http://jstock.sourceforge.net It got drag-n-drop boxes, to let me design my own indicators. However, it only contain technical analysis information, not fundamental analysis information. It does come with tutorial http://jstock.sourceforge.net/help_stock_indicator_editor.html#indicator-example, on how to to build an indicator, to screen ""Stock which Its Price Hits Their 14 Days Maximum"""


Your situation may be different if your employer contracts with a different company to manage these benefits (or manages them themselves), but I'll give you my experience. My employer contracts with WageWorks. I log on to the WageWorks site, select commuter options from a predefined list, e.g. public transit passes, gas debit cards, parking passes, etc. and the cost of my choices is automatically deducted from my paycheck each month, up to the limit. WageWorks either sends me whatever I purchased in the mail or reloads the card automatically, and the process continues each month. In my case, I couldn't use this to purchase a ticket for someone else, but I could choose the subway option for myself and let another person use it.


หนังโป๊  ไม่ใช่ว่าในประเทศ ในสังคมใดๆ จะมีการเผยแพร่ตามความต้องการใดๆ ก็ได้ แต่ละประเทศนั้น ย่อมมีกฎหมายที่ปกป้อง ปกปิด และห้ามปราบกันอยู่ เพราะสังคมในแต่ละประเทศนั้น ไม่ได้ยอมรับเรื่องนี้โดยกว้างขวาง และหลากหลาย บางประเทศที่ปกครองด้วยระบบต่างๆ หรือแม้แต่ศาสนา ที่ไม่เหมือนกัน ทำให้เรื่องประเภท หนังโป๊ อิโรติก ไม่ถูกยอมรับกันมากนัก แต่เชื่อเถอะว่า ในทุกประเทศนั้น ย่อมต้องการแพร่ขยายเผ่าพันธุ์ของมนุษยชาติทั้งนั้น ไม่ว่าจะเป็นการปกครองระบบ หรือศาสนาใดๆ ก็ตาม นั่นเพื่อการดำรงอยู่ของมวลมนุษยชาติ  การจะมองว่าเป็นเรื่องที่อนาจาร ก็จะดูพูดได้ไม่เต็มปากซะทีเดียว เมื่อในบางประเทศ ซึ่งเรียกได้เต็มปากเลยว่า เป็นประเทศที่พัฒนาแล้ว กับใช้เรื่องหนังโป๊ ต่างๆเหล่านี้ เป็นการศึกษา เผยแพร่ไปในทางสร้างสรรค์ ไม่ว่าจะเป็นการคุมกำเนิด กับบางครอบครัวที่มีลูกมาก จนเลี้ยงไม่ไหว ประชากรบางประเทศ เพิ่มมากขึ้นสวนทางกับเศรษฐกิจและขนาดของประเทศ รวมไปถึงคุณภาพของประชากร ที่ด้อยลง สิ่งต่างๆเหล่านี้ ควรศึกษาไว้เพื่อที่จะแก้ปัญหาต่างๆ ไม่ใช่แค่คิดว่ามันเป็นแค่เรื่องลามกอนาจารทั่วไป ถ้าจะมองเหล่านั้น มันก็เปรียบเสมือนการเรียนวิชา สุขศึกษาทั่วไปนี่เอง เพราะเรื่องเหล่านี้ ต้องเป็นที่แพร่หลาย ทั้งการให้ความรู้เรื่องคุมกำเนิด รวมไปถึงโรคติดต่อต่างๆ ที่ถูกแฝงมากับเพศสัมพันธ์ต่างๆ ซึ่งแน่นอนว่า สิ่งต่างๆเหล่านี้ เมื่อมันเกิดขึ้น และระบาด หากไม่มีความรู้เท่าทัน กับสิ่งที่มันจะเกิดขึ้นนั้น ย่อมยากที่จะรักษา อะไรที่ควรป้องกันได้ก็ควรที่จะป้องกันการเกิดปัญหาไว้ก่อน หนังโป๊ บางเรื่องอาจจะเห็นได้ชัด มีการป้องการโรคติดต่อต่างๆ ทางเพศสัมพันธ์ โดยการใส่ถุงยางอนามัย แทบจะน้อยมากที่เราจะไม่เห็น เพราะการผลิตอุตสาหกรรมหนังเหล่านี้นั้น ผู้ผลิตบางที่ก็แฝงแง่คิดให้เห็น และให้คนตระหนักถึงความสำคัญ ทั้งการติดต่อทางเพศสัมพันธ์ หรือว่าจะเป็นการป้องกันการคุมกำเนิด ที่เราไม่ได้ตั้งใจให้มีขึ้นมา ซึ้งจะเห็นได้เยอะจากสังคมปัจจุบันในบางประเทศ ที่ไม่มีการให้ความรู้และการยอมรับในสังคมมากนัก จึงมีการเกิดของประชากรก่อนวัยอันควรเป็นจำนวนมาก ดังนั้น เราน่าจะให้ความสำคัญกับสิ่งเหล่านี้ แฝงในหนัง มากกว่าจะใช้เพื่อกระตุ้นทางเพศเท่านั้นเอง  ใช่ว่าเรื่องเหล่านี้จะถูกยอมรับไปเสียหมด บางสังคมนั้นยังหัวโบราณกัน และในบางประเทศก็ไม่ได้ถูกได้ยอมรับให้เผยแพร่หนังโป๊ ได้ทั่วไป ซึ่งยิ่งกฎหมายประเทศไหนที่มีความผิดรุนแรง ผู้ผลิตหรือเผยแพร่ ก็ได้รับโทษหนักกันด้วยเช่นกัน ใช่ว่าจะโทษแต่ ผู้ผลิตหรือผู้เผยแพร่อย่างเดียว องค์ประกอบหลายๆอย่าง มันก็มิได้ถูกมองว่าหนังโป๊ เป็นสิ่งที่ผิด หรือเลวร้าย มันอยู่ที่มุมมอง กับการใช้สติปัญญาในการเสพสื่อเหล่านี้ คนที่ดูเพื่อเป็นประโยชน์ ไม่ได้เกิดโทษต่อผู้อื่น ก็ไม่เป็นไร แต่สังคมมักจะเหมารวม ว่าคนเหล่านั้นผิด โดยที่ไม่ศึกษาข้อมูลต่างๆอะไรเลย http://www.24hrseed.com/


Today Richard Steggall runs Urban FT, Inc., that is acknowledged as the superior and one among the fastest developing providers of Digital Banking solutions to around 80 Community and Regional Banks as well as Credit Unions in the United States, and plenty of international brands. He is one of the members of the Young Entrepreneur Council.


Their argument is that what Amazon is doing may have monopolistic effects, allowing them to charge more for shittier food thanks to reduced competition.  I don't agree in this case, but it is true that monopolies are anti-competitive in nature which hinders innovation and hurts customers. That's why antitrust regulation exists, to allow competition.


This is more anecdata in support of an interesting point: most of the wealthy are no smarter than rhe average dumbass, and just as susceptible to hysterical demagoguery. If Obama had raised taxes on the wealthy - Congress made that inpossible - the rates would have gone up to where they were under Clinton, or during the mid-Reagan years, both times during which the wealthy did very well indeed.  Also, it could be that most jewelry store customers were nouveau riche barely hanging on anyway, or just inept wealth funded by home-equity loans and Ponzi debt. Many of those poseurs were hitting the day of reckoning around 2008-2009, due to the evaporation of bubble housing wealth; Obama would have made a nice scapegoat for their own financial ineptitude.


"normally getting seated next to a particular guest at a particular dinner isn't described as ""privilege"", and it's not idiosyncratic to call that ""luck""  edit: i don't mean to be pedantic. rather, you seem to really be trying to whitewash, minimize, and explain away the luck. another example: ""made his path to success easier"" as if that path was guaranteed, but more difficult, absent his luck. i don't think he himself would agree with that."


Please built out our sales process, develop sales enablement materials, lead generation techniques, and account/target lists and we'll *maybe throw a few percent commission your way for the trouble*.   businesses like this also tend to suffer from the classic dogwood problem  Edit: dog food problem


If I do not have anyone in my car I am not getting paid. If I am not getting paid I am not working. It really is that simple. When you deliver packages you are getting paid to drive in between all points involved. FedEx drivers aren't insured on their way to work.


"It's actually quite refreshing to see someone lay part of their biases on the table when we would otherwise have to infer from their statements. One of the reasons I like blogs is because once I've mostly figured someone out I don't have to wonder about figuring out the biases of the authors.  -Someone who holds positions that seem to be rather correlated to those of a ""small l"" libertarian."


> An aging population with a massive segment of the population preparing to retire and begin collecting social security for an average of 13 years each (benefits begin at 65, average life expectancy is 78).  Population is growing through immigration, this is a non-issue.   >Staggering levels of national debt that is only growing due to continued budget deficits. As it stands now, the national debt stands at over 100% of annual GDP, and that figure is only growing as the deficit remains huge.  As long as we can make the interest payments with a little more we're fine. Truth be told it wouldn't be that hard, just re-allocate funds from other areas and increase revenue. Military being the most obvious cut, redo the entire tax system to raise revenue, which would only require political will. <Pfft... only>  Infrastructure is just a resource allocation problem.    >A population grown completely accustomed to a resource-intensive, globalized lifestyle relative to that enjoyed by almost any other country on Earth.  This would require a shift in culture. Not as hard as you'd think, but it would take a good long time.   >And finally, the combination of the game of economic dominoes unfolding in Europe and a slowing Chinese economy.  There is a way out for this, again, political will will be required.


$230k. $230k. $230k.  And that's just per person. Funny how conservatives attack the Dems for 'wasteful' spending on such frivolities such as social welfare and public health but approve this wasteful use of state funds to deliver a program of minimal overall benefit to The Wisconsin economy.


Specialization. Individual companies can specialize in e.g. engine design and manufacturing, or wing design and manufacturing, or composites. By outsourcing to specialist companies, Boeing aimed to capture their knowledge.  The alternative is for Boeing to be a specialist in *all* the fields necessary to build an airplane. This is difficult from a purely technical point of view, and it reduces economies of scale.


Fidelity, Charles Schwab, TDA, and just about every make online brokerage gives you massive amounts of free trades each year and when you sign up. Pretty much the same as 100+ free trades /yr over a 10 year period. Also, you get commission-free trade for the most popular ETFs, which is much more important.  Lastly, if you care about free trades, you're probably investing poorly. Non-professionals shouldn't be making that many non-ETF trades in a year. Professional traders wouldn't blink over a tiny $5-10 commission fee.


You can withdraw from CPP as early as 60. However, by doing so, you will permanently reduce the payments. The reduction is calculated based on average life expectancies. If you live for an average amount of time, that means you'll receive approximately the same total amount (after inflation adjustments) whether you start pulling from CPP at 60, 65, or even delay your pension later. People may have pensions through systems other than CPP. This is often true for big business or government work. They may work differently. People who retire at 55 with a pension are not getting their pension through CPP. A person retiring at 55 would need to wait at least five years to draw from the CPP, and ten years before he or she was eligible for a full pension through CPP. Canada also offers Old Age Security (OAS). This is only available once you are 65 years old or older, though this is changing. Starting in 2023, this will gradually change to 67 years or older. See this page for more details. As always, it's worth pointing out that the CPP and OAS will almost certainly not cover your full retirement expenses and you will need supplementary funds.


I mean, I was a bartender for years in college, and on most Saturdays I'd work from 12PM-4AM in a giant crowd of sweaty, drunk and sticky 18-24 year olds. Friends of mine worked in warehouses, factories, construction, retail, you name it; the thing is, our presence and physical effort was a business necessity.   I think the disconnect between our viewpoints is that you see the remote work option as a service solely benefiting the employee, which the employer has to bear at some hardship. My thought is that the option is mutually beneficial, and requiring 100% personal presence in the absence of a business case is an outdated ideology.   Consider this: fewer on-site employees means fewer sites -- this translates to millions saved in rent, utilities, insurance, maintenance/administrative staff and IT infrastructure, etc. It also, as the article mentions, *vastly* expands the pool of available talent by removing geographical requirements. Not only that, the option to work from home is in and of itself a feature which lubes the ol' recruiting pipe, as I alluded to earlier.   The overarching logic is that there should be a quantifiable advantage attached to a decision like this, and this advantage was, again, as the article mentions, discovered by IBM's own internal research efforts which supported remote work. It doesn't make a lot of sense strategically, but I haven't worked for IBM for years, so I couldn't tell you what internal issues they might be struggling with.


My grandfather owned a small business, and I asked him that very question.  His answer was that year-end closeout is very time-consuming, both before and after  EOY (end of year), and that they didn't want to do all that around Christmas and New Year.


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