Eventually you are going to need some sort of real credit history.  It is possible that you will be able to evade this if you never buy a house, or if you pay cash for any house/condo/car/boat/etc that you buy.  Even employers check credit history these days.  I wouldn't be surprised if some medical professionals such as surgeons check it also.  Obviously if you have a mortgage and car loan this doesn't apply, but I'd be curious how you acquired those unless you have substantial income and/or assets. Combine this with the fact that certain things like renting a car essentially require a credit card (because they need to put a hold on more money than they are actually going to take out of your card, so they can take that money if you don't bring the car back), and I think you should have a credit card unless you and your wife are individuals with zero impulse control, which sounds highly improbable. If your concern is the financial liability of the credit line, just keep the credit line low.


Pensions should be held in an arms length trust independent trust and the company should have no access to it. All workers should be paid before executives or creditors see dime one. This is why unions need to get their shit together and break these laws for the rich, by the rich. When one of these execs walks away with millions of worker's earnings in their pockets, protest at their house, protest at the next company he works at so companies will avoid hiring them. If you let them steal your lunch money without a black eye you'll starve.


Struggling startup right here. Software / web based, solid 4 years in. Past the ramen noodle phase now and this year was able to comfortably buy iphones for the kids. (first time ever actually splurging like that, felt great.) 9 years ago I was basically homeless. 11 years ago I slept on a concrete slab. Shit gets better man, keep at it, you will be ok.


"Open up a demo account it lets you get your hands dirty with out spending real cash r/stocks r/investing. Read books like rich dad poor dad. And watch YouTube videos on reading stock charts. I've had a demo account for a year just yesterday I hit 11k ""profit"" in one day."


HEALTH BOARD- In The News - Springhill Group Counselling  http://inthenews.springhillgroupcounselling.com/2011/11/29/health-board/ | This url was saved by 2 users  HEALTH BOARD– In The News - Springhill Group Counselling  SYLVIA THOMPSON German psychotherapist Bert Hellinger has developed an approach to dealing with relationship problems, financial distress, addictions and career troubles that is based on the idea that self-limiting beliefs can be inherited from previous generations. Julie Williams will lead a worksh springhill group counselling, springhill, group, counselling More Tags by omarvelo | Dec 02, 2011 at 08:57  HEALTH BOARD- In The News - Springhill Group Counselling  SYLVIA THOMPSON German psychotherapist Bert Hellinger has developed an approach to dealing with relationship problems, financial distress, addictions and career troubles that is based on the idea that self-limiting beliefs can be inherited from previous generations. Julie Williams will lead a worksh springhill group counselling, springhill, group, counselling More Tags by springhillgroup | Dec 01, 2011 at 17:42


I'm sorry, lowest point in 40 years was 2 years ago. My bad. I think the point still applies. Also the numbers are skewed because in the 50's many people believed that the mother not having to go to work was a sign of success.


I think it is very important to look at this quarter in terms of chief executive turnover from Immelt to Flannery. This is still Immelt's GE and it is in Flannery's interest to completely shit the bed, so that he can show huge immediate improvement as he takes ownership over P&L.  It will help him build credibility both with his employees but also Wall St.  Rather than fight to shift earnings into the present, it is just as easy to push earnings forward. He also gets the benefit of having lower expectations.


"Let me do the math. .6% * (not large) = really tiny. Since ""not large"" = ""small"" , etc.  I suggest that even a small chance that you need to explain this to anyone in the future is a sign to avoid the risk. Yes, there are times that it's illegal. A real estate office may not deposit escrow funds into anything but a segregated escrow account.  In your case, even if legal, it messes up 'the books' and can cost you more in grief than the 'tiny amount' saves you in cash."


One reason to not do that is if you consider that one of the loans is at risk of being called in early.   e.g. You have a line of credit which is close to its limit, and the bank decides to reduce that limit, forcing you to quickly come up with the money to pay it down below the new limit, which can really throw a wrench into your plans.


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"The time horizon for your IRA is years or decades, therefore there is little evidence that there is a benefit to waiting for the ""perfect time"" to invest.  Unless you plan on making only one or 2 years of investments now and then waiting till retirement; the other deposits you will make over the decades will have a greater influence on returns.  If you are going to search for the perfect time to invest in your index fund, pick a deadline. ""I will take the first sign better than X but will not wait beyond Y""."


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Yes you can rollover as many different 401ks into a single IRA account.  I have done it personally and it really cuts down on the overhead of keeping up with lots of different accounts.  Your brokerage or mutual fund company should be able to help you with it.  If you are using a company that just gives you forms and those forms don't mention an easy way to combine.  Then I suggest rolling over one 401k first then once that's finished you can rollover the other 401k into that same account.


If you need / want the car, I would get the car.  Without car payments you can save your money again to get the house.  Moreover, I wouldn't want to be saddled with payments to the mortgage and car loan at the same time. Lastly, a car is a more temporary possession (10 years) vs a house (30+) years so shopping around for the house longer while you save money is a good thing.  I know you want to buy while prices are low, but I personally think it is more important to get a house that you want to live in later than settle for a cheap one you get a deal on now.


"Understand your own risk tolerance and discipline. From Moneychimp we can see different market results -  This is a 15 year span, containing what was arguably one of the most awful decades going. A full 10 year period with a negative return. Yet, the 15 year return was a 6.65% CAGR. You'd net 5.65% after long term cap gains. Your mortgage is likely costing ~4% or 3% after tax (This is not applicable to my Canadian friends, I understand you don't deduct interest). In my not so humble opinion, I'd pay off the highest rate debts first (unlike The David followers who are happy to pay off tens of thousands of dollars in 0% interest debt before the large 18% debt) and invest at the highest rate I'd get long term. The problem is knowing when to flip from one to the other.  Here's food for thought - The David insists on his use of the 12% long term market return. The last 100 years have had an average 11.96% return, but you can't spend average, the CAGR, the real compound rate was 10.06%. Why would he recommend paying off a sub 3% loan while using 12% for his long term planning (All my David remarks are not applicable to Canadian members, you all probably know better than to listen to US entertainers)?  I am retired, and put my money where my mouth is. The $200K I still owe on my mortgage is offset by over $400K in my 401(k). The money went in at 25%/28% pretax, has grown over these past 20 years, and comes out at 15% to pay my mortgage each month. No regrets. Anyone starting out now, and taking a 30 year mortgage, but putting the delta to a 15 year mortgage payment into their 401(k) is nearly certain to have far more in the retirement account 15 years hence than their remaining balance on the loan, even after taxes are considered. Even more if this money helps them to get the full matching, which too many miss.  All that said, keep in mind, the market is likely to see a correction or two in the next 15 years, one of which may be painful. If that would keep you up at night, don't listen to me. If a fixed return of 4% seems more appealing than a 10% return with a 15% standard deviation, pay the mortgage first.  Last - if you have a paid off house but no job, the town still wants its property tax, and the utilities still need to be paid. If you lose your job with $400K in your 401(k)/IRA but have a $200K mortgage, you have a lot of time to find a new job or sell the house with little pressure from the debt collectors.  (To answer the question in advance - ""Joe, at what mortgage rate do you pay it off first?"" Good question. I'd deposit to my 401(k) to grab matching deposits first, and then if the mortgage was anywhere north of 6%, prioritize that. This would keep my chances at near 100% of coming out ahead.)"


Most Banks allow to make an international transfer. As the amounts is very small, there is no paperwork required. Have your dad walk into any Bank and request for a transfer. He should be knowing your Bank's SWIFT BIC, Name and Address and account number. Edit: Under the liberalised remittance scheme, any individual can transfer upto 1 million USD or eq. A CA certificate is required. Please get in touch with your bank in India for exact steps


Why doesn't it seem right to you? The lender financed the house and has the first right claim (mortgage) on it, so if you have any insurance proceeds they're first offsetting your debt to the lender. Same as if you were selling the house - first the loan is paid off, whatever is left goes to you. If the property is not lost, then the proceeds are going to you and you keep paying the mortgage. So if a pipe burst and you need to replace the flooring, the insurance will cover it, and you'll get the proceeds. If the building is lost and you're paid the fair market/rebuild value, then you first need to pay off the mortgage. Its standard.


It's pretty simple. The 10% is any savings for retirement.  Preferably, it's in a retirement account, but that's not mandatory. It's great that you save for a vacation, computer, house deposit,etc, but that's not what these articles are referencing.  Edit (in response to the running comments on @BrenBarn's answer) The mortgage issue is worth further discussion. I'm saving toward a home purchase, it may be $50K saved. But that's not money for retirement, the house savings never is. I get the $200K mortgage, my balance sheet is net neutral (less fees, closing costs, of course) but my retirement savings again is unchanged. I put $10K toward principal, the balance sheet again is $10K better, but retirement account, unchanged. Last, I pay off the mortgage. Retirement account unchanged. But, my retirement budget requirement is $1000/mo less (The mortgage payment), and my 'number' drops by $300K or so. (This is based on the 4% rule. To withdraw $1000/mo requires $300K in retirement assets.) It may seem pedantic, but there's an important distinction to be made here. It's easy to distinguish retirement savings from all other wise financial transactions. Paying debt off is wise but not retirement savings. Any actions that reduce your ongoing expenses? Clearly, wise. And it reduces the number needed to cover your retirement budget, but it's distinct from 'retirement savings.' For those that enjoy the intellectual exercise of insisting there's always a grey area, I'll give it to you. The family with 3 kids, in the $1.2M 5 bedroom house. The parents know they will move into their paid off summer house upon retiring, and sell this family house. In his wisdom, hubby has planned for the mortgage to be paid in full well ahead of retirement, and for purposes of planning, only view the house as worth $900K. The house does have a relationship to the retirement savings. But the action of planning for Alice's retirement (the maid they will no longer need once they move) is not savings, but rather, an adjustment down in their retirement budget.  I think you'll find most conflicts regarding this issue resolved by understanding this distinction.


I can give you some insight. You probably read some where that ceo thinks jpmchase as a tech company. Trust me he doesn't he was against cloud computing and is now against blockcain.  They are in business to make money simple as that, company's background is important just read glass door interview questions for your LOB


In the long run the drivers are getting pulled from the equation.  I don't care how much regulatory pressure the self driving car industry faces, they'll have it figured out in 5 years. You are talking about an interest group that includes Google, Tesla, Uber, Lyft, Ford, GM and probably Apple. They are all spending billions on the technology and want a return on that investment.


I'm a bot, *bleep*, *bloop*. Someone has linked to this thread from another place on reddit:  - [/r/talkbusiness] [Publishers might have to start paying Facebook if they want anyone to see their stories](https://np.reddit.com/r/talkbusiness/comments/78ahkw/publishers_might_have_to_start_paying_facebook_if/)  [](#footer)*^(If you follow any of the above links, please respect the rules of reddit and don't vote in the other threads.) ^\([Info](/r/TotesMessenger) ^/ ^[Contact](/message/compose?to=/r/TotesMessenger))*  [](#bot)


The NYSE publishes a list of holidays at its website.  New link: https://www.nyse.com/markets/hours-calendars Old link in the original answer that doesn't work now: http://www.nyse.com/about/newsevents/1176373643795.html Hope that helps!


Over the top consumerism is excessive- that's why I shop at *Whole Foods*, the lab-created result of three decades of false advertising and marketing trend studying that attempts to fleece people out of their money by inventing fake positive qualities for their food that have no real benefit, but justify us charging $3/lb more for it. I'm not a dumb *consumer* like all those *other* people- how could things that say FRESH on them be targeted towards consumers?


First consider the basic case of what you are asking: you expect to have a future obligation to pay interest, and you are concerned that the rate when you pay it, will be higher than the rate today. In the simplest case, you could theoretically hedge that risk by buying an asset which pays the market interest rate. As the interest rate rises, increasing your costs, your return on this asset would also increase. This would minimize your exposure to interest rate fluctuations. There are of course two problems with this simplified solution:  (1) The reason you expect to pay interest, is because you need/want to take on debt to purchase your house. To fully offset this risk by putting all your money in an asset which bears the market interest rate, would effectively be the same as just buying your house in cash. (2) The timing of the future outflow is a bit unique: you will be locking in a rate, in 5 years, which will determine the payments for the 5 years after that. So unless you own this interest-paying asset for that whole future duration, you won't immediately benefit. You also won't need / want to buy that asset today, because the rates from today to 2022 are largely irrelevant to you - you want something that directly goes against the prevailing mortgage interest rate in 2022 precisely. So in your specific case, you could in theory consider the following solution: You could short a coupon bond, likely one with a 10 year maturity date from today. As interest rates rise, the value of the coupon bond [for it's remaining life of 5 years], which has an implied interest rate set today, will drop. Because you will have shorted an asset dropping in value, you will have a gain. You could then close your short position when you buy your house in 5 years. In theory, your gain at that moment in time, would equal the present value of the rate differential between today's low mortgage rates and tomorrow's high interest rates. There are different ways mechanically to achieve what I mention above (such as buying forward derivative contracts based on interest rates, etc.), but all methods will have a few important caveats: (1) These will not be perfect hedges against your mortgage rates, unless the product directly relates to mortgage rates. General interest rates will only be a proxy for mortgage rates. (2) There is additional risk in taking this type of position. Taking a short position / trading on a margin requires you to make ongoing payments to the broker in the event that your position loses money. Theoretically those losses would be offset by inherent gains in the future, if mortgage rates stay low / go lower, but that offset isn't in your plan for 5 years. (3) 5 years may be too long of a timeline for you to accurately time the maturity of your 'hedge' position. If you end up moving in 7 years, then changes in rates between 2022-2024 might mean you lose on both your 'hedge' position and your mortgage rates. (4) Taking on a position like this will tie up your capital - either because you are directly buying an asset you believe will offset growing interest rates, or because you are taking on a margin account for a short position (preventing you from using a margin account for other investments, to the extent you 'max out' your margin limit). I doubt any of these solutions will be desirable to an individual looking to mitigate interest rate risk, because of the additional risks it creates, but it may help you see this idea in another light.


"You are not wrong - just about anything can be charged and paid off in 30 days with a sale of non-liquid investments.  So there are not any emergencies I can think of that require completely liquid funds (cash). For me, the risks are more behavioral than financial: I'm not saying it's a ridiculous, stupid idea, and these are all ""what-if""s that can be countered with discipline and wise decisions, but having an emergency fund in cash certainly makes all of this simpler and reduces risk. If you have investments that you would have no hesitation liquidating to cover an emergency, then you can make it work.  For most people, the choice is either paying cash, or charging it without having investment funds to pay it off, and they're back in the cycle of paying minimum payments for months and drowning in debt."


"Gold has no ""intrinsic"" value. None whatsoever.  This is because ""value"" is a subjective term. ""Intrinsic value"" makes just as much sense as a ""cat dog"" animal. ""Dog"" and ""cat"" are referring to two mutually exclusive animals, therefore a ""cat dog"" is a nonsensical term. Intrinsic Value:  ""The actual value of a company or an asset based on an underlying perception of its true value ...""  Intrinsic value is perceived, which means it is worth whatever you, or a group of people, think it is. Intrinsic value has nothing, I repeat, absolutely nothing, to do with anything that exists in reality.  The most obvious example of this is the purchase of a copy-right. You are assigning an intrinsic value to a copy-right by purchasing it. However, when you purchase a copy-right you are not buying ink on a page, you are purchasing an idea. Someone's imaginings that, for all intensive purposes, doesn't even exist in reality! By definition, things that do not exist do not have ""intrinsic"" properties - because things that don't exist, don't have any natural properties at all. ""Intrinsic"" according to Websters Dictionary:  ""Belonging to the essential nature or constitution of a thing ... (the intrinsic brightness of a star).""  An intrinsic property of an object is something we know that exists because it is a natural property of that object. Suns emit light, we know this because we can measure the light coming from it. It is not subjective. ""Intrinsic Value"" is the OPPOSITE of ""Intrinsic"""


"As an easy and rough rule of thumb, a job for $55,000 per year is $55 per hour as a contractor. That's roughly twice the hourly rate.  In return, the company gets the rate to vary your hours or cease your employment with less financial, legal or managerial overhead than a full time employee.  You have less stability, less benefits, perhaps need to put some time into finding another job sooner. Of course the ultimate, though less helpful, answer is ""whatever the market will bear."""


Unfortunately I didn't go to any top uni haha so that's out of the window. I don't really have any relevant work experience, and it's a little too late for summer internships now, hence why I'm kinda relying on qualifications haha. However I am doing a course which I hope will help me out this summer.


"Assuming that you accept the premise that technical analysis is legitimate and useful, it makes sense that it might not work for a small market, or at the very least that it wouldn't be the same for a small market as it is for a large market.  The reason for this is that a large stock market like the U.S. stock market is as close to a perfect market as you will find: Compare this to a small market in a small country. Market information is harder to get, because there are not as many media outlets covering the news. There aren't as many participants. And possibly it might be more expensive to participate in, and there might be more regulatory intervention than with the large market.  All of these things can affect the prices. The closer you get to a perfect market, the closer you get to a point where the prices of the stocks reflect the ""true value"" of the companies, without external forces affecting prices."


Another way to look at this is if we separate the owner's account from the business's account.  At the start of the year, the owner puts $9 into the business account to get the business started. At the end of the first day, the business account has $10, and at the end of the second day, the business account has $11.  The owner doesn't need to add any more of his own money into the business account. At the end of the 365th day, the business will have $374, which is $365 profit + $9 investment.  Assuming the business has no other expenses, the business will calculate profit for the year like this: The author is making a strange point. The two numbers he is talking about are two different quantities. The business owner's return on investment is $365 / $9 = 4056%.  But the business's profit margin is $365 / $3650 = 10%.  Both are useful numbers when running the business. I disagree with the author's insinuation that a business is doing something tricky when calculating profit margin. Remember that, in addition to the business owner's monetary investment, he worked every day for a year to earn that $365.


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"Between ""fresh out of college"" and ""I have no debts, and a support system in place which because of which I can take higher risks."" I would put every penny I could afford in the riskiest investment platform I was willing to.  Holding onto money in a bank account is likely to cost you %1-%2 a year depending on what interest rates are and what inflation looks like. Money invested in a market could loose it all for you or you could become an overnight millionaire. Loosing it all would suck but you are young you will bounce back. Losing it slowly to inflation is just silly when you are young.  If there is something you know you have to do in the next few years start to save for it but otherwise use the fact that you are young and have a safety net to try to make money."


">It's sad...when I hear young workers talk about their job application strategies, more often than not they involve figuring out how to ""fool"" the HR bots.  LOL.  It took me a second with your ""HR bots"" to realize you were talking about the software and not the HR personnel.  Because I have always (even 30 years back) viewed HR as basically operating on a lot of faulty fundamental assumptions -- the BEST way to get hired (even back then, BEFORE the ""software application screening process"") was to do an ""end run around HR"".  Part of the reason is that HR (or previously the ""Personnel Dept"") was really designed from the get-go only to fill the generic ""factory worker"" positions -- jobs that had minimal base-level skill requirements (i.e. the checkbox type stuff where any relatively intelligent person should be able to determine with a pretty high accuracy whether the candidates could do the job) -- in other words the open positions that were effectively ""commodities"", and where the turnover was high and/or the number of people employed fairly large.  *But then...* a combination of HR wanting to be more ""professional"" combined with the advent of the ""generic MBA manager"" (who believes he/she can manage ""anything"" without specific domain knowledge or experience) created an opening for HR to take over the hiring of virtually ALL positions.  So what we ended up with was the generic MBA manager (lacking domain knowledge/experience) shifting the responsibility (or at least most of it) for candidate filtering & hiring off to generic HR people/processes (who pretty much by definition, lack domain knowledge/experience) -- and who then attempted to ""systematize"" the whole thing.    Add in stuff like equal opportunity ""anti-discrimination"" laws (and lawsuits) to drive the ""generic-ization"" of the whole process... and you have the perfect pre-conditions for the storm that is the current fiasco.  So we end up with generic (and lets face it, often ignorant) managers taking ""job requirements"" and coming up with checklist style ""help wanted ads"" (CS Degree, 5-10 years of Ruby on Rails work experience, etc)-- HR departments that are clueless about the validity/availability of those requirements pretty much just keying the crap into the ads & application filtering software in a rote fashion -- and like a badly constructed Google search, it shouldn't be surprising that they come up with minimal ""results"".  Of course within the ""discarded"" applicants are probably several potentially *excellent* hires -- but they will simply never be found.  ---  So... SMART people will (still? again?) do their best -- not to ""game"" the bots -- but to do an ""end run around"" the whole thing.  And that means using your ""network"" to get your name in the door and your resume in the hands of the ""person that matters"" within the company (that may or just as often may NOT be the manager who makes the ""hiring decision"" -- it may very well be the most experienced person in his department; who then PUSHES the manager to interview and hire you) -- and you preferably do that BEFORE the damned ad is even written, and BEFORE the HR department is even aware that there is a ""need"" for a hire. (Keep in mind that there is often a span of several weeks, if not several months between the REAL awareness of a ""need"" and the manager/HR getting around to actually starting the ""help wanted"" fiasco-ridden process.)  One key aspect of that is that -- via the ""in the door ahead of time"" -- even IF the company *requires* the HR process to be followed, the job spec can be ""constructed"" to match the pre-qualified candidate, and his/her resume can go to the top of the stack (already being in the manager's hands with a hearty recommendation/endorsement from one of his critical team members: i.e. ""HIRE this guy/gal!"")  Unfortunately, it seems that -- for all the emphasis on ""networking"" these days -- colleges and other ""how to get hired"" classes, seldom (if ever) teach those techniques.  *But if you ask around/look around within companies and identify the really ""good fit"" people, a LOT of them will have been hired by this method, and emphatically were NOT found via HR listings & processes.*"


That makes a lot of sense.  Developers have hard skills and tend to communicate using facts.  Managers tend to have soft skills and communicate using fuzzy feelings and emotion.  From the developer's perspective, it feels like trying to communicate with someone who's crazy and wont get to the point.


Yeah, even then. Maybe a bit more, depending on travel.  I'd have a fully-paid for house. If taxes are absurd on the property I might need to bump up the number.  Vehicles, fully paid for. Machine tools, heavy-duty sewing gear, firearms & hunting/camping gear, most of the tooling needed to produce anything I need, a well-equipped kitchen, and land with some livestock, woodlot, farm, and orchard. Power from wind/solar with a backup genset & link to the grid as a last resort, wells for water.  As I said: Initial cost would be high, but after that my cost of living would be damned low. Hell, I'd probably spend more on books than food.


Although there is plenty of blame to go around for this epidemic, which really started with our involvement in the Vietnam War, I don't see enough blame in these stories for the insurance companies that have refused to pay for any other form on pain management other than opiate drugs. What is the doctor supposed to do when their patient is in pain and opiates are the only relief the patient can afford?  Certainly many docs have over prescribed these mess but they don't decide what treatments are and are not available for their patients.


"I actually interviewed to work at the SEC as an ""industry transplant.""  I was surprised to learn the limits of the SEC's power - namely, they cannot compel anybody to show them any documents - even ones financial firms are required to hold.  When firms do ""cooperate,"" they tend to make it as difficult as possible for investigators.  All the SEC can do in the end is sue the firm, and that's a long drawn out process (I understand now why there are so many settlements).  What I learned, however, is that the SEC needs more people like myself who have worked in the business.  Most people who interviewed me were attorneys and (sometimes) accountants.  Their experience in the financial industry was limited to working at legal firms who did financial advisory work.  Many simply don't even know what to look for.  I'm still waiting to hear back, but there are a lot of lawyers who are sick of working industry jobs and would love the pay and work environment of the SEC - so it's tough to get a position there."


Good question given what happened with Equifax You could avoid paying extra to Experian  for monitoring all three, if you are getting free monitoring from Equifax(Only if Experian charges less for monitoring their own vs monitoring all three). If you do cancel monitor all three then the only one you would not be monitoring is Trans Union, but you should be fine as most finance companies report to at least two credit unions. But if you want to be 100% sure then monitor all three. But I would regard that as an overkill(personal opinion)


"I think that you really have to take the deal, as the gas company will extract the land from neighboring parcels anyway. Talk to an attorney about trusts or other vehicles to shelter the money. It may be possible to transfer the land into a trust to benefit your parents when they need the money. Also, this may be one of those rare circumstances where some sort of life insurance arrangement may be in order. Also, pull the documentation from the pharmaceutical company -- what do they define as income? The payments from mining are usually referred to as ""royalties"".  In any event, seek professional advice."


That was my reaction too!  I was quite happy with my old phone so I haven't been keeping up on new models at all.  I was just glad that this one was featured as a new arrival when I started online window shopping for a replacement when I broke mine last week.


When I worked with Taubman, discussions were had that specified they had to sell, buy or do major renovation to some centers every year to satify shareholders. So it could have a lot do with that situation.   There will always be super high end malls in the richest areas. But if you see a Wallmart within 5 miles of your mall you can be sure your mall will close soon.


"A general principle in finance is that you shouldn't stick with an investment or situation just because it's how you're currently invested. You can ask yourself the following question to help you think it through: If, instead, I had enough GBP to buy 20000 CHF, would I think it was a good idea to do so? (I'm guessing the answer is probably ""no."") This way of thinking assumes you can actually make the exchange without giving someone too big of a cut. With that much money on the line, be sure to shop around for a good exchange rate."


Could someone please explain to me how interest rates work? I like to think of interest rates as the price of money. It is specified as a percentage paid per unit of time (for example, 3%/year). To figure out how much interest money you get (or have to pay) for a given amount and time, multiply the amount with the interest rate and then divide by the time divided by the interest rate's specified time. That sounds awfully complicated, so let's look at a simple example instead. You deposit $1,000 at a fixed interest rate of 2% per year, for two and a half years, where the interest is paid at the end of the term. This means that you earn $1,000 * 2% = $20 per year in interest. Multiply this by [2.5 years] / [year] = 2.5, and you will have received $20 * 2.5 = $50 in interest over 2.5 years. If the interest is paid yearly, this gets slightly more complicated, but the principle is the same. Now imagine that you deposit $5,000 at a fixed 3% per year, for half a year. Again, the interest is paid at the end of the term. You now earn $5,000 * 3% [per year] * [[0.5 years] / [year]] = $75 in interest over six months. Variable interest rates makes this a little more complicated, but it is exactly the same thing in principle: calculate the interest paid for each period (taking any compounding into account), then add up all periods to get the total amount of interest paid over time. It also works the same way if you take out a loan rather than depositing money. Tax effects (capitals gains taxes or interest expense deductions) may make the actual amount paid or received different, but that does not change the fundamental aspect of how to calculate interest. Do CD's make more money with higher interest rates, or is it the other way around? Usually fixed interest rate instruments such as certificates of deposit, or loans with fixed rates, pay a higher interest rate for longer terms. This is because it is harder to judge credit risk in a longer term, so whoever gives the loan usually wants a premium for the additional risk. So a 6-month CD will normally pay a smaller percentage interest per year than a five-year CD. Note that this is not always the case; the technical term for when this does not hold is inverted yield curve. Interest rates are almost always formally specified in terms of percent per year, which makes it easy to compare rates. If you buy a $100 6-month CD paying 1% (I told you these were only examples :)) and then reinvest the money at the end of the term in another 6-month CD also paying 1%, the total amount paid will be ($100 * 1 + (1% * 6/12)) = $100.50 for the first term, then ($100.50 * 1 + (1% * 6/12)) = $101.0025 at the end of the second term. As you can see, the compounding of the interest makes this return slightly more than a single $100 12-month CD ($100 * 1 + 1% = $101), but unless you are dealing with large amounts of money, the difference is small enough to be negligible. If you were to put $100 in a 2% one-year CD, you'd get back $102 at the end of the year. Put the same amount in a 5% one-year CD, and you get back $105. So yes, higher interest rates means more interest money paid, for loans as well as deposits. Keep in mind that loans and deposits really are essentially the same thing, and interest calculations work the same way for both. The interest rate of a normal certificate of deposit does not change if the variable interest rates change, but rather is locked in when the money is deposited (or the CD is bought, whichever way you prefer to look at it).


I'm going to guess that now you're going to explain how you shouldn't add up these percentages. That is most certainly wrong. The reason is that countries aren't going to agree on an order in which to tax a company. It wouldn't go like: well UK taxes first then Germany will tax whatever is left in net profits. Why the hell would Germany agree to that? They would each want their percentage of the *untaxed* pie.


lol. i love btc but man the amount of money and power needed to push bitcoin into that status is pretty heavy. odds are stacked against it, but if it does become a de facto currency of world reserve status... its New World Order shit and was a coup de tat all along.


"Former financial analyst here, happy to help you. First off, you are right to not be entirely trusting of advisors and attorneys. They are usually trustworthy, but not always. And when you are new to this, the untrustworthy ones have a habit of reaching you first - you're their target market. I'll give you a little breakdown of how to plan, and a starting investment. First, figure out your future expenses. A LOT of that money may go to medical bills or associated care - don't forget the costs of modifications and customizations to items so you can have a better quality of life. Cars can be retrofit to assist you with a wheelchair, you can build a chair lift into a staircase, things like that which will be important for mobility - all depending on the lingering medical conditions. Mobility and independence will be critically important for you. Your past expenses are the best predictor of future expenses, so filter out the one-time legal and medical costs and use those to predict. Second, for investing there is a simple route to get into the stock market, and hopefully you will hear it a lot: Exchange Traded Funds (ETFs). You'll hear ""The S&P 500 increased by 80 points today..."" on the news; the S&P is a combination of 500 different stocks and is used to gauge the market overall. You can buy an exchange traded fund as a stock, and it's an investment in all those components. There's an ETF for almost anything, but the most popular ones are for those big indexes. I would suggest putting a few hundred thousand into an S&P 500 indexed ETF (do it at maybe $10,000 per month, so you spread the money out and ensure you don't buy at a market peak), and then let it sit there for many years. You can buy stocks through online brokerages like Scottrade or ETrade, and they make it fairly easy - they even have local offices that you can visit for help. Stocks are the easiest way to invest. Once you've done this, you can also open a IRA (a type of retirement account with special tax benefits) and contribute several thousand dollars to it per year. I'll be happy to give more advice if/when you need it, but there are a number of good books for beginning investors that can explain it better than I. I would suggest that you avoid real estate, especially if you expect to move overseas, as it is significantly more complicated and has maintenance costs and taxes."


This is pretty much it. Plus if you actually get a kick out of the job you'll probably enjoy it more often than not. It's not unusual in your first couple of years to work really extreme hours (I've got a buddy in a well know US bank in fixed incomes for example, who works from 8am-11pm every day), but half the time you sort of enjoy the work that you're doing and the people you work with. It's not for everyone, don't get me wrong, but there's a lot of room for development as long as you're willing to put in a bit of hard graft.


">My article on businessweek.com was headlined, “American Families Are Poorer Than in 1989.” (It shouldn’t have said “are,” by the way, because the data only went through 2010.)  The guy deserves some kudos for stating the above (the rare bare honestly about the ""are"" being inappropriate\*).    And really he deserves kudos for the entire clarifying article (even if the conclusion is a vague ""we don't know"" -- which is also a rarely honest statement.  And of course the term ""richer"" (or ""wealthier"") is a relative one, subject to a variety of interpretations.  Back in 1962 someone may have *felt* extremely wealthy if they owned the only ""air conditioner"" on the block; but are they then more wealthy or less wealthy now when they have central air... but so does everyone else.  Or per example, the ""jokes"" in the Wall Street 2 sequel -- one of the things that made the Gordon Gekko of the original movie ""wealthy"" was his cell phone, because it was an expensive and rare luxury -- but today of course his original cell phone is a useless and clunky ""brick""; and meanwhile just about everyone else (including the ""riff raff"") owns smart-phones with internet access (something the old Gordon Gekko couldn't have even *dreamed* of owning, no matter how much money he had).   So ""wealth"" is a difficult thing to nail down.  ---  \* Soapbox: It's a rare exception to the one thing that never ceases to piss me off -- when people make ""expert"" statements in the present tense, based on data that (of necessity) is not, indeed cannot be strictly ""current"". (For example, when some loudmouth ""scientist"" states that the Earth IS warming... when of course that cannot be known as the statement is concerning a ""trend"" and is entirely based on NON-real-time aggregates; the best an *honest* scientist would say is that ""based on the past x years of data we know the Earth *has been* warming""... not ""is""; the current status is never certain since the previous trend may have already ""peaked"" -- absent a real-time data stream, one cannot know.)"


>Fortunately I've never had to ask these questions (facebook is a beautiful thing).  From a entrepreneur to a employer, you're asking for a lawsuit (I'd say a couple of lawsuits) and I highly recommend that you stop this practice before you get in hot water. Here's why:   First:  * Facebook terms of use makes it a violation for anyone to ask users for their facebook password. So Facebook can sue employers for requesting said password due to the employer violating the terms. All the user would have to do is contact Facebook's legal department that you asked for their password.   Second:  * There is often information provided in Facebook profiles that you can not ask a perspective employee during the hiring process mandated by Federal law. Facebook records locations of where the user has logged into their account. So all the job applicant would have to do is produce that evidence which is readily accessible via your Facebook profile for free.    That information consist of the following:  * Race * Sex * Orientation * Pregnancy * Religion * National origin * Disability (physical or mental, including HIV status) * Age (for workers over 40) * Military service or affiliation * Anticipated deployment with the Reserves or National Guard * Bankruptcy or bad debts * Genetic information * Citizenship status (for citizens, permanent residents, temporary residents, refugees, and asylees)  If someone is not hired after an employer has accessed this information via use of the job applicant's Facebook account, the employer is opening themselves up to an accusation/lawsuit that something in the Facebook profile was used as the basis of a decision not to hire. As an employer: How do you prove to the court/judge that you DIDN'T use the applicant's information on Facebook for making your hiring choice? Do you as an employer really want to be put into this position? You'd have to be crazy or not mind lawsuits if you say yes.    So it's just better for both the employer and the applicant for the employer to not ask for the password.    TL;DR - As a employer, don't ask for a Facebook user's password unless you like lawsuits.


"the most important information that you provided was ""I'm 25 years old"". You have a few years to save for a rental property. Taking a loan against your 401k only invites a lot of paperwork and a good deal of risk. Not only the ""if I lose my job I have to pay it back (in 60 days)"", but it effectively locks you into your current job because changing jobs also causes the same repayment consequences. Do you really love your job that much that you would stick with it for the loan you have? (rhetorical) One could argue that real estate is a good way to diversify away from the stock market (assuming you have your 401k invested in stocks). Another way to get the same diversification is to invest in REITs through your 401k. Owning rental property isn't something to rush into. You really have to like it.The returns and headaches that accompany it can be a drag and it's harder to get out of then stocks."


"One part of the equation that I don't think you are considering is the loss in value of the car.  What will this 30K car be worth in 84 months or even 60 months?  This is dependent upon condition, but probably in the neighborhood of $8 to $10K.   If one is comfortable with that level of financial loss, I doubt they are concerned with the investment value of 27K over the loan of 30K @.9%. I also think it sets a bad precedent.  Many, and I used to be among them, consider a car payment a necessary evil.  Once you have one, it is a difficult habit to break.  Psychologically you feel richer when you drive a paid for car.  Will that advantage of positive thinking lead to higher earnings?  Its possible. The old testament book of proverbs gives many sound words of advice.  And you probably know this but it says:  ""...the borrower is slave to the lender"".  In my own experience, I feel there is a transformation that is beyond physical to being debt free."


Good luck with it then. A challenge it is though.  Btw, my friends are British so will have passed through the British Institute and Faculty of Actuaries (as it is now called). The gambler friend who ended up doing quite well ended up not only working in the field but also teaching it part-time.


I have spoken to a lot of people that are in the workforce, that have a CFA, and the consensus I have gotten from a lot of them is that it *can't hurt* to get your CFA, but it also sometimes isn't extremely relevant to have, or may put you above a different candidate.  I would suggest figuring out what you want to do within the workforce first and see whether or not a CFA is going to be a requirement and or a necessity for wherever you would like to work, I also would recommend on not waiting too long to get it.


Making a mortgage is NEVER a good idea. Unless you REALLY need it try to avoid dealing with banks at any price!! If you have the money, just pay for it, if you don't, you can always get to a deal with your siblings to pay it by installments but always avoid mortgages or you may end in troubles.


"When you say ""donate"", it usually assumes charitable donation with, in this context, tax benefit. That is not what happens in your scenario. Giving someone money with the requirement of that someone to spend that money at your shop is not donation. It is a grant. You can do that, but you won't be able to deduct this as charitable donation, but the money paid to you back would be taxable income to you. I respectfully disagree with Joe that its a wash. It is not. You give them money that you cannot deduct as an expense (as it is not business expense) or donation (as strings are attached). But you do give them the money, it is no longer yours. When they use the money to pay you back - that same money becomes your taxable income. End result: you provide service, and you're the one paying (taxes) for it. Why would you do that?"


">but it absolutely did not ""cure cancer""  Didn't say it did.   What I was attempting to illustrate is that there are extremely cheap, extremely promising drugs for lots of conditions that nobody owns, so nobody will pay for FDA testing."


"That ""something"" you are signing means you are liable for the mortgage payments - yes, all of them - if he can't or won't pay at any point.  The limit on what the bank will lend him based on his salary is there for a reason - they don't expect him to be able to keep up repayments if they lend him more (or more precisely, there's a big risk that he won't). Don't forget that even if he swears up and down to you that he can afford them, interest rates can rise; this is a 25 or 30 year commitment you would be making. Interest rates are at a historic low and the only way from here is up; in my living memory rates have been 12% or even 15%. As a very rough rule of thumb, for every £100k borrowed, every additional 1% on the interest rates costs an additional £100 on your monthly payment.  Also, the ""Transitional Arrangement"" is not without its own fees and the bank won't let him simply take you off the mortgage unless they are convinced he can keep up the repayments on his own, which they clearly aren't. Also thanks to @Kat for the additional good point that being on the hook for your friend's mortgage will prevent you from being able to get a mortgage yourself while the liability still exists, or at least severely limit your options. No matter how many times you protest ""but I'm not paying any money for that!"" - it won't help.  Another point: there are various schemes available to help first time buyers. By signing up for this, you would exclude yourself from any of those schemes in the future."


"Yeah, well, and corporations used to only be chartered by states for the express purpose of fulfilling some public function, on the order of building a bridge, etc.  Now, anybody at all gets the limited liability advantages of a corporation without any of the corresponding duty to serve the public good.  Now I'm sure the overall ""fix"" that will be floated will be the government basically dismantling capitalism and principles enjoyed by all private businesses, instead of just going back and fixing what was erroneously handed to corporations in the first place."


There are a few ways to get money from property, but I'm not sure any would work for you: 1) Firstly you could sell it. Selling the building might require enough repairs that the building is habitable; if the repair costs are too high, you might not be able to recover costs from selling. For a particularly old and unkempt building, this is more likely to be the case. In extreme scenarios, you may earn more net profit by demolishing a decrepit building, and simply selling the land. Make sure you aren't setting your price too high if you are desperate to sell; dropping your price might make the headache of upkeep go away, and might be better for you financially in the long run. 2) You could rent it - but if it is so uninhabitable you can't sell it, then this is unlikely without repairs (and it seems you don't want to do this anyway). 3) If your building is in an area where the zoning laws are not strict, you may be able to apply for a permit to have it zoned for commercial use - and either run a business out of it, or rent it to someone else to do so. Again, this would be dependent on repairs if the building is uninhabitable, and also would require the building to well-situated for a business. 4) You could take out a mortgage on the building. Of course, this has two big caveats: (a) the bank would need to assess the building for value [and it seems not to be worth much in your case]; and (b) this provides only temporary cash, which you would need to pay back to the bank over time. In some cases, if you had a solid plan, you might be able to take a mortgage out against the value of the land, and use the cash from the mortgage to do some repairs, so that it would be in good shape for selling.


Very true but that's not the point of my post or at all how it relates to this article. I even said that  My point though is how the felon thing affects the economy in comparison to the 1980s or even 90s.   Factorys in many places are begging for help at the moment.  But nowadays there is no 2nd chances and factorys aren't giving it, one felony and youre done for life. Even if you somehow get it expunged.  There's millions and millions of potheads and felons and always will be. 20 years ago those people could easily find jobs when now they cannot.  Factor in that Mexicans who likely do a much better job are taking the under the table jobs.  I don't think there's much we can do about it but it absolutely affects the economy and society, it's certainly something people should be looking at.


I usually use this process:  determine fair market value. This will be an estimate from KBB or similar minus any known repairs or maintenance needed. (Est)-(repairs)=FMV IF FMV < $0 walk away and sell it for whatever it will bring. You would be better off even just buying a similar model  than buying the repair. If FMV > $0 ask yourself this question:  If I had the fair market value in cash, would I purchase this car? Essentially, this is what you are doing if you choose to keep it. This is where your needs and opinions come into play. If you wouldn't, sell it and buy something else. Unless you have certain specific numbers on the future maintenance and repairs needed, you are just speculating on future events. In general, the probability of repair for the age and condition will be reflected in the estimate of value, so that is captured in the analysis already.  There is also no guarantee that another car would not have some other large repair, even if it was newer.  From just the numbers, I can't think of many reasons not to drive a car until it dies (FMV < $0) or until you find an excellent deal to replace it.


Question 1: Yes Question 2: There is no simple formula. Car insurance is mostly Statistics, because you have so many millions of cases that the variance is really low. This also means that, because the cost can be estimated so precisely, it is difficult to make an offer better than the competitors. For that reason every insurance company makes there own, arbitrary, segmentation of the data which leads them identify low risk groups they can offer a bonus to. Common ones are type of car or and driving experience, but it could be anything that is not forbidden by anti-discrimination-laws. Also additional perks like towing insurance etc. may give them an opportunity do differentiate themselves or to make easy profit.  In fact it is a common tactic to offer prices that make close to no profit to fill up your book, then raise tariffs in then following years an make you profit with those who are to lazy to switch.


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"In addition to @MD-tech's answer: I'd distinguish between stock of a foreign company traded in local currency at a local exchange from the same stock traded in the foreign currency at a foreign exchange (and maybe with a foreign bank holding your accounts). The latter option will typically have higher variation because of exchange rate, and (usually) higher risks associated with possibility of recovery, (double) taxation and the possible legal difficulties @MD-tech mentions. Trading the foreign stock at a local exchange may mean that the transaction volume is far lower than at their ""home"" exchange. Holding stock of companies working in foreign markets OTOH can be seen as diversification and may lower your risk. If you only invest in the local market, your investments may be subject to the same economic fluctuations that your wage/employment/pension situation is subject to - it may be good to try de-correlating this a bit. Of course, depending on political circumstances in your home country, foreign investments may be less risky (though I'd suspect these home countries also come with a high risk of seizing foreign investments...)"


"Okay so I am going to break this answer into a couple sections: Okay so first things first. Did you get a good deal? This is challenging to answer for a number of reasons. First, a good deal is relative to the buyers goals. If you're attempting to buy an asset that provides passive income then maybe you met your goal and got a good deal. If you're attempting to buy an asset that provides long term growth, and you purchased above market (I'm speculating of course) then you may have made a bad deal. So how do you determine if you got a good deal? Does your ""Gross Rental Multiplier"" equal that or is less than that of the average GRM in your area. The lower the better.  So how do you use the GRM to determine if you're getting a good deal? Divide your purchase price by the average city (or area) GRM and that will tell you what you should be getting annually in rent.  You can also use the GRM to determine if a future purchase is over or under priced. Just replace purchase price with asking price.  Alright, so these are the tools you can use to decide if you made a bad business deal or not. There are many ways to skin a cat so to speak. These are the tools I use BEFORE I purchase a home. Many people are penny wise and pound foolish. Take your time when making large purchases. It's OKAY to say PASS.  Okay next thing is this new purchase you're looking at. The number one rule when working a franchise is you don't open a second store until you have a perfect working model to go off of. If you've never had to file a tax return for your current rental. Then you need to wait. If you've never read your local and state rental laws. Then you need to WAIT. If you've never had to leave an event early, wake up in the middle of the night, or get a text while you're on a date from one of your tenants. THEN YOU NEED TO WAIT. Give it a year or two. Just learn the unknown about rental properties. Use your first as your test bed. It's WAY more cheaper then if you make a bad mistake and roll it over multiple properties.  Finally I will leave you with this. No one on this site, myself included, knows everything there is to know about real estate. Anyone that claims they do, send their ass packing. This is a complex COMPLEX business. There is always something to learn and if you don't have the passion to continue learning then hand it off to someone who does. There is tax law, rental law, city repair law, contract law and this doesn't even include the stuff that makes you money, like knowing how to leverage low or no money down loans.  Please take some time and go out and learn.  Good luck! -AR"


You definitely do not need human interaction to open an account at Schwab. You just need to provide a social security number and US drivers license. See http://www.schwab.com/public/schwab/investing/accounts_products/accounts/brokerage_account You can do it online or through the mail. They usually have some questions about your level of experience with investing. They are required to ask these questions to ensure that you don't get confused and put your money in inappropriate investments.


">I kept hearing...the last new refinery in the US being built over 30 years ago.  Which is a misleading statement. Tearing down an old unit and replacing it with a higher capacity one does not count as a ""new refinery"", but increases capacity."


that's not the joke so much as it is natural progression.  for a while, consumers were less interested in customer service and more interested in the product they were getting. now, so many products have nearly identical specs, quality, and etc. that good customer service can be used as a distinguishing fact to push a consumer to a given company, so companies are now caring more about their customer service reputation.


Title is misleading.  This only applies to medical marijuana patients, people with conditions/disabilities, as it falls under disability discrimination to fire someone because of the medicine they are legally prescribed.   However, if you aren't a lawful medical marijuana patient and fail a drug test in MASS, your employer can absolutely fire you with little recourse.


The problem I have with gold is that it's only worth what someone will pay you for it.  To a degree that's true with any equity, but with a company there are other capital resources etc that provide a base value for the company, and generally a business model that generates income. Gold just sits there. it doesn't make products, it doesn't perform services, you can't eat it, and the main people making money off of it are the folks charging a not insubstantial commission to sell it to you, or buy it back.  Sure it's used in small quantities for things like plating electrical contacts, dental work, shielding etc. But Industrial uses account for only 10% of consumption.  Mostly it's just hoarded, either in the form of Jewelry (50%) or 'investment' (bullion/coins) 40%.  Its value derives largely from rarity and other than the last few years, there's no track record of steady growth over time like the stock market or real-estate. Just look at what gold prices did between 10 to 30 years ago, I'm not sure it came anywhere near close to keeping pace with inflation during that time.  If you look at the chart, you see a steady price until the US went off the gold standard in 1971, and rules regarding ownership and trading of gold were relaxed.  There was a brief run up for a few years after that as the market 'found its level' as it were, and you really need to look from about 74 forward (which it experienced its first 'test' and demonstration of a 'supporting' price around 400/oz inflation adjusted.  Then the price fluctuated largely between 800 to 400 per ounce (adjusted for inflation) for the next 30 years. (Other than a brief sympathetic 'Silver Tuesday' spike due to the Hunt Brothers manipulation of silver prices in 1980.)  Not sure if there is any causality, but it is interesting to note that the recent 'runup' in price starts in 2000 at almost the same time the last country (the Swiss) went off the 'gold standard' and gold was no longer tied to any currency (or vise versa)   If you bought in '75 as a hedge against inflation, you were DOWN, as much as 50% during much of the next 33 years.  If you managed to buy at a 'low' the couple of times that gold was going down and found support around 400/oz (adjusted) then you were on average up slightly as much as a little over 50% (throwing out silver Tuesday) but then from about '98 through '05 had barely broken even.  I personally view 'investments' in gold at this time as a speculation.  Look at the history below, and ask yourself if buying today would more likely end up as buying in 1972  or 1975? (or gods forbid, 1980)  Would you be taking advantage of a buying opportunity, or piling onto a bubble and end up buying at the high?  Note from Joe - The article Demand and Supply adds to the discussion, and supports Chuck's answer.


By going online to purchase the computer parts you are buying from a source that has less overhead than a general store or shop that has expenses not involved from online stores. This is the biggest reason, but with this comes the ease and comfort of not having to leave your home, just log onto the internet and order your laptop parts online.


People have credit cards for various reasons depending upon their personal situation and uses  You don't need to have a Credit Card if you don't have a reason to. But most people do.


When the corporate tax rate is increased corporations either pass tax this on to 1. consumers through higher prices 2. Shareholders through smaller/fewer dividend payouts or 3. Employees through lower wages.   The paper argues that the tax burden mainly falls on the shareholders which is whoever owns the stock (capital income). Effectively investors and retirement accounts/mutual funds etc


>Most doctors also have a very poor understanding of statistics --   Says the man who thinks we have increased food/acre over 100x, that India has more people than China, and that most people pay self employment tax. And all those claims were in the last few days.  The average doctor probably has a far better understanding of statstics than the average American, so is certainly better qualified to interpret the evidence than a barber. Most certainly better than you based on the claims you've  made recently.  And none of this is evidence for or against the claim that the benefits of aspirin outweigh the risks.  As usual, do you have *any* evidence? Or just opinion and name calling?


"I know of at least one case where a person was convicted of ""structuring"".  The person was depositing his own money into his own bank account and was found guilty of ""structuring"" since he made several deposits under $10K.  The man did nothing illegal.  He just felt it was safer to make several small deposits instead of one large deposit. From the article: Prosecutors did not offer evidence of any other motive for Gaskins' behavior. They said at trial that Gaskins should have known better. ""The point of the law is to make sure we don't have people who try to fool the bank,"" federal prosecutor Randall Galyon told jurors last week. ""The fact that he was trying is against the law."" The law states the bank has to report any transactions over $10K so the government can investigate any suspicous monetary activity.  Of course, if you make several deposits under $10K you'll also be investigated and you could actually be breaking ""intent"" of the law for depositing your own money into your own bank account."


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">Do you think that someone like GM does not create any indirect jobs? GM is basically just a final assembler of components made by others.  During it's PEAK employment years, GM largely owned and manufactured the vast majority of it's own components.  Of course there were still a lot of raw materials suppliers, as well as minor component suppliers -- but the GM of 1970 was a far different (and much more vertically integrated) operation than it was just a decade or two later.  >Furthermore, the comment about worldwide employment misses the mark here. The west is outsourcing our manufacturing.  Yes, but you need to dig deeper than ""cheap labor"" for the reasons WHY. A lot of it has to do with the post 1971 fiat dollar and the advent of ""leveraging everything in sight"" (in part as an absurd inflation-hedge, and in part because finance saw a way of profiteering off the sale of the ""birthright"" assets -- selling the farms out from underneath the farmers so to speak) -- and subsequently firms needed to make substantially MORE than their previous profit margins in order to cover the interest costs, etc.  >We, on the other hand, are doing the opposite. We're going to end up with no middle class. The only jobs available here will be for a small number of very highly specialized skills (like hedge fund managers) and the people who mow their lawns.  No, eventually the dollar will either become so watered down (if it doesn't collapse entirely); along with an increase in the cost of overseas labor AND a rising expense of goods transport (in many ways only possible on large, bulk scales) -- will create a different scenario, one in which manufacturing (which has NOT entirely left the US by any means) will stage a comeback... but it will be a long slow climb back, and we are probably a decade (or more) before the tide turns."


To an extent but letting them extort the nation isn't good statecraft either. I actually think the Chinese strike a nice balance. If your business causes people to lose their lives or a extensive damage you will be held accountable as opposed to what we do - nothing.  edit; spelling


Tata does outsourcing for Megacorp X where I live. Here's how it works: Megacorp X lays off 5,000 workers, gives the contract to replace them to Tata Consulting. 4,000 people get hired back by Tata at about 80% of their old pay and benefits, or as a contractor.


Try reading about budgeting.  Make a list of all income coming in and all expenses going out. Eliminate any unnecessary expenses and try to increase income, which could include a part-time second job.  Try to always put a portion of the income away as savings - try 10%, but if this is too hard to start with try saving at least 5% of the income.


I disagree and as kind of a millennial I have an opinion on this topic, not that I want to make something out of this. But there is w people Killeen with the quality of ads. Some of them are just not that well targeted to millennials.  Like for example if you look on tv you have a bunch of these ads that have a lot of old people. Another category is pharma ads. How are you going to get something out of pharma from guys who are still in their 20s. No one has enough problems yet and there is another dynamic at play there as well. That dynamic is that a lot of the advertisers want to get so called old people money. This is stuff like retirement savings, there Medicaid money etc, all the stuff they spend on tgrir bills. Given how the demographic pyramid is right now there is a difficulty for the advertisers to justify spending money in a wear that targets the Young folks.  That happens now and it's going to be like that for the next few years.  This is going to be something like a overall economic change so everything and everyone is going to see how the change takes place .  So the advertisements are part of it but really they are a small part of the puzzle  There isn't a good way to make people but things differently, it's all about what pays the most to advertisers, demographic groups be damned


"FOX is staffed by a lot of ""men rule the world"" thinkers. They don't respect women there. They choose women for their broadcasts based on which ones are the prettiest for TV. It's got nothing to do with journalism, and their male broadcasters are all pigs.  Frankly everyone with critical thinking skills is surprised that it took as long as it did.  MSNBC is just as bad as FOX. The particulars of their offenses might be different, but both organizations are corrupt to their cores. Punishing a few of their employees is not going to teach the other hundreds of people in their organization to suddenly learn right from wrong.  And in the case of sexual harassment, even if the company spends millions on forcing employees to go to seminars and take special training, it's not going to change who they are. They're going to go home each night and return to being stupid sexist pigs. They'll just put on whatever mask and act is required of them in the workplace.  The solution is don't hire people like that. When their behavior becomes contradictory to their survival under the law of natural selection then, and only then, will they change their ways."


No, we did not apply for the loan. So, this is why we thought it was a bit strange a company just sending you a real check for $30K. It does not say anywhere in big red letters that it is a loan. Probably something in very small letters on a back of a paper.  This is really horrible. Especially,if your customers do pay you by check and small business relies on online statement to determine who paid what. I can easily imagine a small outfit that just takes all the checks to the bank, cash them, and then use online statement to update their books.   I do not see how it is helpful to businesses to receive pre-approved credit that is so poorly marked. Especially in the age of electronic transfers!!!  I am trying to understand why I feel so offended by this, and I guess it all comes down to disgust: I refuse to believe that any serious company would use these sort of tactics and instead of us spending more time developing a better product, we have to put more time and effort into ensuring we do not fall victim to this.


You appear to just have admitted to tax evasion. You need a lawyer. There's a good chance you don't actually owe any money, but you need legal advice. To be clear, you may well not have been obligated to file tax returns, but you have stated you had some income you didn't report, so there's really nothing else we can say other than recommend you seek legal advice.


"I'm not sure that OP was asking if he/she personally should have more available credit, so I will answer the other interpretation: should that particular card have a higher limit? The answer is ""no.""  The range varies vastly by issuer.  Starting limits vary widely from issuer to issuer even with identical credit histories.  Some issuers never automatically increase the limit, some periodically conduct account reviews to determine if an increase is warranted.  Some like to see higher spending habits each month.  Personally, my cards range from $500 to $25000, and the high and low extremes are the same age. You can search for tips on how often to request increases for your particular card, or what kind of spending habits the issuer prefers.  An important note: You do not need to carry a balance to make the issuer happy.  You never need to pay a cent in credit card interest."


"Since you did not treat the house as a QBU, you have to use USD as your functional currency.  To calculate capital gains, you need to calculate the USD value at the time of purchase using the exchange rate at the time of purchase and the USD value at the time of sale using the exchange rate at the time of sale.  The capital gain / loss is then the difference between the two.  This link describes it in more detail and provides some references: http://www.maximadvisors.com/2013/06/foreign-residence/ That link also discusses additional potential complications if you have a mortgage on the house. This link gives more detail on the court case referenced in the above link: http://www.uniset.ca/other/cs5/93F3d26.html The court cases references Rev. Rul 54-105.  This link from the IRS has some details from that (https://www.irs.gov/pub/irs-wd/0303021.pdf): Rev. Rul. 54-105, 1954-1 C.B. 12, states that for purposes of determining   gain, the basis and selling price of property acquired by a U.S. citizen living in a foreign country should be expressed in United States dollars at the rates of exchange prevailing as of the dates of purchase and sale of the property,   respectively. The text of this implies it is for U.S. citizen is living in a foreign country, but the court case makes it clear that it also applies in your scenario (house purchased while living abroad but now residing in the US): Appellants agree that the 453,374 pounds received for their residence should be translated into U.S. dollars at the $1.82 exchange rate prevailing at the date of sale. They argue, however, that the 343,147 pound adjusted cost basis of the residence, consisting of the 297,500 pound purchase price and the 45,647 pounds paid for capital improvements, likewise should be expressed in U.S. dollar terms as of the date of the sale. Appellants correctly state that, viewed “in the foreign currency in which it was transacted,” the purchase generated a 110,227 pound gain as of the date of the sale, which translates to approximately $200,000 at the $1.82 per pound exchange rate. ... However fair and reasonable their argument may be, it amounts to an untenable attempt to convert their “functional currency” from the U.S. dollar to the pound sterling. ... Under I.R.C. § 985(b)(1), use of a functional currency other than the U.S. dollar is restricted to qualified business units (""QBU""s). ... appellants correctly assert that their residence was purchased “for a pound-denominated value” while they were “living and working in a pound-denominated economy,” ... And since appellants concede that the purchase and sale of their residence was not carried out by a QBU, the district court properly rejected their plea to treat the pound as their functional currency."


">They don't say ""using"" they say ""made with"". You can say ""made with"" 100% cheese, that doesn't mean it IS 100% cheese. Just made with it. > >Wait what were we talking about?  Naw, that's so they can throw 2 grams of real cheddar in with the 98 grams of ""semi-dairy processed cheese-like product"" and say made WITH instead of made OF"


I would think the opposite. If I were in a situation where I could pick my start date, unless I was really hard up for money, I wouldn't want to go into the holiday season with a new job that and no vacation time accrued. Who wants to work on Christmas eve?


There have been machines around for about 10 years now that can typeset, print and bind a book in about 10 minutes. I'm surprised Amazon isn't making use of these. Keep bestsellers in stock, and if you want something more obscure, look it up in their kiosk, put in the order, wait around for 10 minutes and you can have a copy in your hands.


"You can report it as ""hobby"" income, and then you won't be paying self-employment taxes. You can also deduct the blog-related expenses from that income (subject to the 2% limit though). See this IRS pub on the ""hobby"" income."


"Unfortunately it's a print version.. If you looked around enough, I bet you could find a PDF copy online.   ""Heard on the Street: Quantitative questions from job interviews.""  Mine's a bit outdated (2004) but I'm sure they've updated it."


Your CPA doesn't need to file anything, so don't worry about him being sidetracked. You are the one doing the filing. Since the amended returns have to be filed on paper, you'll actually go and mail a package to the IRS (each return in a separate envelope). The reason the CPA suggests to file the amended returns after the current one, is to ensure the NOL is registered in the system before the amended returns are processed. The IRS doesn't have to automatically accept the amended returns, and if there's no NOL on the current year they may just bounce the amended returns back to you. Keep in mind that since you haven't filed your return by the due date (including extensions), you're now unable to forego the carry-back. I don't know if you discussed this with your CPA, but you're allowed, if you chose so, to not apply the NOL to prior years, and instead to apply it forward for the next 20 years (or until it runs out). Depending on your income pattern, that might have been something you could have considered, but you can only chose this if you file a statement before the due date (with extensions), which is now passed.


I'm not an intolerant person. I'm starting from a position of Lactose Ambivalence. It just doesn't occur to me to buy dairy most of the time. I don't drink milk or eat cereal, I can't have ice cream because of the sugar.  But man, I effin' HATE cheese. The smell alone is nauseating!  The only exception is cream chesse, which not actually cheese, it's just fat butter.


First, what's the reason? Why do you have that much in cash at all - are you concerned about market volatility, are you planning to buy a house, do you have tens of millions of dollars and this is your slush fund?  Are you a house flipper and this is part of business for you? If you need the money for short term use - ie, you're buying a house in cash next month - then as long as you're in a sound bank (one of the big national ones, for example) it seems reasonable.  You can never predict a crash like 2008, but it seems unlikely that Chase or Citibank will go under in the next few weeks. If you like to have a cash position, then split the money among multiple banks.  Buy a CD at one major bank with some of the amount.  My in-laws have a trust which is partially invested in CDs, and they use multiple banks for this purpose to keep their accounts fully insured.  Each separate bank you're covered up to 250k, so if you have $150k at Chase and $150k at a local bank, you're covered.  (You're also covered in a much larger amount - up to 1MM potentially - if you are married, as you can have a separate account each for $250k and a joint account up to $500k.) Otherwise, why do you have that much in cash?  You should invest it in something that will return more than inflation, at a minimum... Edit post-clarifications: $350k is around my level of 'Maybe, maybe not'.  You're risking $100k on a pretty low risk (assuming this isn't a small local bank, and even those are pretty low still).  In order to remove that risk you have to do something active - ie, take 100k somewhere else, open a new bank account, etc. - which isn't exactly the hardest thing in the world, but it does take effort.  Is it worth the 0.001% chance (entirely made up) you lose the 100k?  That's $10, if you agree with that risk chance.  Up to you. It wouldn't be particularly hard, though, to open an account with an online bank, deposit $100k in there in a 6 month CD, then pay the IRS from your other account and when the 6 month CD expires take the cash back into your active account.  Assuming you're not planning on buying a house in the next six months this should be fine, I'd think (and even then you'd still have $150k for the downpayment up front, which is enough to buy a $750k house w/o PMI). Additionally, as several commenters note: if you can reasonably do so, and your money won't be making significant interest, you might choose to pay your taxes now rather than later.  This removes the risk entirely; the likely small interest you earn over 3 months may be similar to the amount you'd spend (mostly of your time, plus possibly actual expenses) moving it to another bank.  If you're making 2% or 3% this may not be true, but if you're in a 0.25% account like my accounts are, $100k * 0.25% * 0.25 is $62.50, after all.


You absolutely can be put in jail in America for debt... if that debt is to a government or government agency (like a municipal government). If you have unpaid court costs, fines, etc., it's common practice in most municipalities to issue an arrest warrant for those, even if non-payment is due to being indigent. In a lot of cases, even if you show up to explain why you can't pay or make a partial payment on the due date, you'll be arrested and jailed until a judge is available to hear your explanation, if one isn't available right when you go in. What's supposed to happen is that if you're indigent (can't pay), a judge will hear your explanation and, provided it's determined that you're indigent, make adjustments to what you owe (cancel or reduce the amount, extend the due date, setup a payment plan, etc.) and send you on your way. It bears mentioning that even in cases where the system works like it should, there's still a very real chance of being put in jail, which isn't harmless - people can and do lose their jobs while they're sitting in jail waiting to plead indigence to a judge. And of course, what's supposed to happen isn't what always does. The police shootings of the past couple years in Missouri have shone some light in a lot of dark corners down there, where there are, in fact, de-facto debtor prisons in many municipalities.  In addition to civil rights groups filing suit over this in many Missouri municipalities, the US Department of Justice has filed suit against the city of Ferguson over their municipal practices (including their use of the courts and jails to generate municipal revenue). Some forms of private debt (like child support) also fall under this umbrella where an arrest warrant will be issued for failure to pay for any reason, and this was determined to be a factor in the Walter Scott shooting - Walter Scott ran to avoid being put in jail over child support debt, and losing his job while in jail. The New York Times highlighted his case in an article titled: Skip Child Support. Go to Jail. Lose Job. Repeat. Rodney Scott said that he sometimes thought his brother did not do everything he could to catch up, but that Walter seemed to consider it a hopeless cause. He recalled seeing his brother plead to a judge that he just did not make enough money. “He asked the judge, ‘How am I supposed to live?’ ” Mr. Scott said. “And the judge said something like, ‘That’s your problem. You figure it out.’ ”


Friendly reminder for everyone to not reuse passwords across sites. For most people, the best solution is to use a program to remember their passwords. Personally, I'm a fan of [KeePass](http://keepass.info/), which is open source and allows you to use very high encryption. It has a password generator to create very random passwords for whatever requirements various sites have. Plugins allow KeePass to auto-fill fields in your browser. And if you put the database in your dropbox, you can access your passwords from your phone or another computer easily.  It was a bit of a pain to get set up (4 or 5 hours of resetting passwords, which I spread over 2 days), but now I'm never going back. It's so much easier.


A purchase of a stock is not a taxable event. No 1099 to worry about.  Welcome to Money.SE


I would first get rid of the student loan.  This will leave you with 11K.  I would then use this to fund your ROTH.  If you are married you can put up to 5K per year each.  For any money left over, I would open a regular (not tax advantaged) mutual fund.  You can contribute half the money you were paying toward your student loans, and the other half can go to your mortgage.  Also I would look at doing a refi on your house.  You might be able to move a 10 or 15 year at your current mortgage payment.


Banks are not your friends, they are not performing services for you because they like you. They are a business, and they make money by borrowing money from you at low interest and loaning it out at higher interest. They are trying to persuade you to deposit more money (however briefly) in their bank so they can loan out more money. They are probably also counting on the fact that most folks won't go to the trouble of setting up accounts at multiple banks with the interlocking automatic transfers, in order to meet the required deposit threshold. That lets them save on the interest payments to consumers that are individually tiny, but significant in the aggregate.


Lucasfilm is more than just Star Wars, they also have Industrial Light and Magic (still one of the top VFX companies in the business) as well as Skywalker Sound and LucasArts, a respectable game division. Even if Lucasfilm didn't own Star Wars, they would still have enough valuable assets to justify a large purchase by Disney.


I'm part way through his book Never Split the Difference. It's got some interesting insights, but oh my god is it terribly written. It is a very laborious read. Could have benefited from an editor or ghost writer to clean it up


>While these workers don't need college degrees, they need at least two years of specialized training plus strong math, reading and writing skills.  Ever hear of training? How about promoting from within? Any company who doesn't hire anyone even when they need manpower because they have a set of mandatory requirements is a dumb company. They reap what they sow.


"I don't know if it's just the way it was presented on the website (the model wearing it, the pose, etc etc) but between that and what I remember as the bright blue color (the link is gone) it felt more like a ""frat guy dressing up"" than a serious banker.  Don't read into my opinion too much though."


Unfortunately, there isn't much you can do.  If your name was on the mortgage, you owe the money, regardless of who kept the house. They can (and likely will) come after you for the money as well.  A bit late in your case, but that's why when people divorce, refinancing the house into one person's name (and the other quit-claiming their interest) is usually part of the settlement. ETA:  As others have mentioned, since you are in California, it appears that they cannot come after you for the difference.


It's not that they overlook it, per se, but they were of a generation that took care of themselves and their own families. They don't think it is OK to expect the next guy to take care of them. Modern society has gotten over that way of thinking...


U.S. corporate tax rates are the [highest in the world](http://www.kpmg.com/global/en/services/tax/tax-tools-and-resources/pages/corporate-tax-rates-table.aspx), not the lowest. Politicians often rebut this fact by claiming that the U.S. has a much lower effective corporate tax rate, but they fail to account for all taxes. The marginal effective corporate tax rate in the U.S. is still [much higher](http://taxfoundation.org/article/us-corporate-effective-tax-rate-myth-and-fact) than other developed countries.


There's no tax on wire transfer, but it would be easier on everyone if he would wire himself from his own account. Withdrawing money, depositing to your account and then wiring back to him may raise some flags with FinCEN and IRS with questions about money laundering or gift taxes. Why do you want to complicate things?


In Australia there are 2 type of warrants (I don't know if it is the same in the US, UK and other countries), the first are trading warrants and the second are instalment warrants. The trading warrants are exactly what it says, they are used for trading. They are similar to option and have calls and puts. As Cameron says, they differ from exchange traded options in that they are issued by the financial companies whereas options are generally written by other investors. Instalment warrants on the other hand are usually bought and sold by investors with a longer term view. There are no calls and puts and you can just go long with them. They are also issued by financial companies, and how they work is best explained through an example: if I was to buy a stock directly say I would be paying $50 per share, however an instalment warrant in the underlying stock may be offered for $27 per warrant. I could buy the warrant directly from the company when it is issued or on the secondary market just like shares. I would pay the $27 per warrant upfront, and then in 2 years time when the warrant expires I have the choice to purchase the underlying stock for the strike price of say $28, roll over to a new issue of warrants, sell it back on the secondary market, or let it expire, in which case I would receive any intrinsic value left in the warrant. You would have noticed that the warrant purchase price plus the strike price adds up to more than the share price ($55 compared to $50). This is the interest component inherent in the warrant which covers the borrowing costs until expiry, when you pay the second portion (the strike price) and receive the underlying shares. Another difference between Instalment warrants and trading warrants (and options) is that with instalment warrants you still get the full dividends just like the shares, but at a higher yield than the shares.


"I was recently at a McDonalds who had someone doing this. They were not just ""standing around doing nothing."" They were also wiping tables, refilling number tents, delivering food, showing customers how to order and more. Efficient and most orderly visit I've had to McDonalds in a long time."


As you know, everyone wants to know about the home construction time before buying the home. Because, it is a big investment of an amount, so we provide the best service before buy the home at the affordable price. So many our clients are very happy after taking our service.Assured Building Inspections offers every day a wide range of  a building inspection. Because, we provide full satisfaction. We are one of the most and trustable Australia's inspections service provider company.


No credit bureau wants incorrect data, for obvious reasons, but it happens. That's one reason why they let you get access to your credit score, to check it the data is correct and make the 'product' (data about you) better.   Nope, that's not why you can get free access to your credit report.  The Fair Credit Reporting Act (FCRA) is why.  FCRA requires any credit reporting agency to provide you a free report upon request every 12 months.  Prior to this law, credit agencies made you pay to see your report including if you wanted it to dispute errors.  They only care about the dollars they get from having this data. FCRA removed one of their revenue streams.  If free locking moves forward, that will remove another. So expect them to fight it.


"I'd hope so.. But...  This says otherwise? https://en.m.wikipedia.org/wiki/Regulation_and_licensure_in_engineering#Canada  Maybe ""software"" engineer specifically isn't protected? But I can't seem to find s list of protected titles ATM...  It would certainly make a lot more sense because some of those postings don't specify engineering degrees"


If i am not wrong, any business activities such should be declared on Year End Tax filing. If your friend is going to own that website either it is commercial or nonprofit, he has to declare in the year end taxation.


Pay off your highest-interest debt first: credit card, car, maybe even mortgage. Pay minimums on all else. Student loans are typically low interest, so pay off anything else first, but double-check your rate of course.  Even if you have no other debt, you may still want to hang on to your savings instead of paying down your student loans if getting rid of your savings causes you to accrue debt. For example, if you have a low income and no savings, you may accrue credit card debt (high interest). Or you may want to buy a car with cash instead of getting a loan. Even if this is not an issue, consider what you can do with your savings that others who lack them cannot do. You can put it into mutual funds, which may offer higher rate of return (albeit with risk) than your student loan interest. Or you may pay a down payment on a home. The very low interest rates of student loans are, to a person with savings, essentially a source of cheap money that doesn't need to be justified to a bank. You can use it as seed money to start a business, as funds for travel, for living expenses while in the Peace Corps, or whatever else. But if you pay down that principal, you bind yourself. In short, pay down your student loans when there is no better use for the money.


I absolutely LOVE Taco Bell's marketing department. Like they took the term polish a turd to the next level. I follow them on twitter, like them on Facebook, get their snapchats, shit I even won a taco shirt from them by doing some online scavenger hunt bullshit. I don't even love their food, in fact I think a Chick Fil A grilled chicken sandwich blows away anything on their menu. They've just found this way to come off as your bro by giving you this food thats cool and cheap and edible. And they're social media platforms are actually FUNNY. I don't know how they did it, but they're an incredible company and a totally different company since when I was a kid and they had those dog commercials.