Residents pay tax on all of the income they receive during the calendar year from all sources, so you'll at least need to file and pay New York state income taxes on this money regardless. I can't answer whether you'll need to file and pay Colorado state income tax on this money as well. Generally speaking, you need to file a return for each state in which you live, receive income, or have business interests. If you are required to file a Colorado state income tax return, however, you can claim a credit for taxes paid to another state on your New York state income tax return using form IT-112-R (see the form and instructions).


The quant aspect '''''. This is the kind of math I was wondering if it existed, but now it sounds like it is much more  complex in reality then optimizing by evaluating different cost of capital. Thank you for sharing


I'm not certain I understand what you're trying to do, but it sounds like you're trying to create a business expense for paying off your personal debt. If so - you cannot do that. It will constitute a tax fraud, and if you have additional partners in the LLC other than you and your spouse - it may also become an embezzlement issue. Re your edits: Or for example, can you create a tuition assistance program within   your company and pay yourself out of that for the purposes of student   loan money. Explicitly forbidden. Tuition assistance program cannot pay more than 5% of its benefits to owners. See IRS pub 15-B. You would think that if there was a way to just incorporate and make your debts pre-tax - everyone would be doing it, wouldn't you?


"Why would a bank buy government bonds? Why couldn't they just deposit their money in another bank instead?  Generally, banks are limited by laws and regulations about how much they must set aside as reserves. Of the money they receive as deposits, they may loan a certain amount, but must keep some as a reserve (this is called ""fractional reserve banking""). Different countries have a different amount that they must set aside in reserves.  In countries where bank deposits are guaranteed, there is almost always some upper limit to how much is guaranteed. The amount of money that a bank would deposit in another bank would be far greater than the guarantee."


I don't know what his problem is. IBM has been spending like drunken sailors on acquisitions for years now. IBM is being managed by half-wits who think financial engineering (stock buy backs, restructuring, M&A) is as good as actual engineering. Meanwhile the company has missed every significant technological shift since the 1980s.  So if they make a massive, huge, great big acquisition you can be sure they'll pay too much for it, be unable to integrate it, and end up writing it down. After all, they are consistent in their incompetence.  IBM shareholders have to fire the board. Once a new board is in place they can fire all of senior management and replace them with people who have at least a degree of competence.   Most likely the company will just continue on its course to oblivion.


If I claim that I have a goose that lays golden eggs, that does not make it so. What a nation _claims_ has absolutely no relevance when you look at the actual facts. Nazi germany committed genocide no matter what they claimed, and the Soviet union was as capitalist as any other country, no matter what they claimed, with the added bonus that you couldn't even work your way up in society, the classes of society were decided by The Party.  Pinochet was a free market dictator, yet you never hear him used as an example of how free market policies automatically turns into authoritarianism, genocide and a police state. And who would say that? It's absurd, and it's equally absurd to say that socializing schools or hospitals in a automatically leads to Gulags. Of course, an expansion of the state mixed with a dictator would probably be surprising if it _didn't_ lead to repression, regardless of claimed ideology.  The one thing authoritarian countries have in common is a big, militarized state, the illusion of ideology always comes in second. Not all flavors of socialism wants a state, mind you. So in one way, ironically, a country like the US is probably closer to authoritarianism than a country like mine (Sweden), even though we are clearly more socialist.


I remember my Finance Professor at b-school answering this question:   The next moment the dividend is paid the total market cap is decreased by the amount paid   This makes sense as cash leaves company, the value of the company is decreased by exactly the same amount. To summarise: the moment you paid dividend, the value of the stock is decreased by the same amount.


Disclaimer: I am not Canadian and have no experience with their laws and regulations. There really aren't any safe short term investment options at the moment (with interest rates being close to zero). So, just put the money aside you will need for the car and the computer, maybe on a callable savings account to make at least a few Dollars. Do not take out any loans, it is very unlikely you will earn more than the cost of the loan. You didn't say how much will be left but, unfortunately, it really is not much to go on anyway. Considering that you seem to have enough income to cover your expenses, you could transfer the rest to your RRSP, invest and just forget about it. I suggest to follow this rule of thumb: the growth portion of your portfolio, which for you means equities, should be directly related to the number of years you won't need to touch these funds. 1 year, 0 equity. 2 years, 10%, 3 years, 20%, and so on. What's not in equities, you could put in short term bonds, meaning an average duration of about 3 years. Needless to say, single stocks/bonds are out of question, ideally you can find 2 ETFs, one for stocks and one for bonds, respectively. However, if there is any possibility you did not mention that you could suddenly depend on this money, you have to keep your equity exposure, and thus your potential earnings, low. Just a humble thought: i really don't know your specific situation, my apologies if I'm out of line. Often disability means that you are not capable of doing one particular thing anymore, i.e. work physically. Just maybe you would still be capable to do some other type of work, maybe even from the comfort of your home, that would allow you to generate a certain income (and also keep you busy).  I hope this helps. Good luck.


"Going off hearsay here. I believe your question is. ""Does not having a credit card lower your credit score"" If that is the question then in the UK at least the answer appears to be yes. Having a credit card makes you less of a risk because you have proven that you can handle a little bit of debt and pay it back. I have a really tiny credit history. Never had a credit card and the only people who will lend to me are my own bank because they can actually see my income / expenditure. When I have queried my bank and at stores offering credit they have said that no credit history isn't far off a bad credit record. Simply having a credit card and doing the odd transactions show's lenders you are at least semi-responsible and is seen as a positive. Not having a credit card and not having much else for that matter makes you an unknown and an unknown is a risk in the eyes of lenders."


"The Wall Street Journal says in its ""For Consumers"" section of its infographic: There's also some new agencies (including a ""consumer watchdog agency""), and some new rules the SEC can implement, and it lets state pass more laws affecting national banks, but it doesn't look like there's much in particular that it does for consumers right away. Source - http://online.wsj.com/article/SB10001424052748704569204575329211031691230.html"


Hopefully is a very good term.   It remains a fact because in the current scenario of low growth, companies don't see much of a reason to invest, and all evidence points agrees.   So what are companies doing with all the extra cash they are getting from the rich? They are either buying back their own shares (which is a divestment), or they are doing mergers and buyouts, which are both at record highs at the moment. Here too evidence points that neither of these are actual productive activities. Share buy backs only inflate the share price without actually changing the market cap, as there are less shares in the market. Mergers have a strong track record of being expensive and ultimately bad investments that do more to erode value than they do to increase it.   Then of course, there are the fees from the finance industry that are from these investments, share buy backs, and mergers that are just added into the spinning wheel without actually impacting the real economy.


This is exactly how I feel. I've been doing contract design for the last 5 years. I've made an OK salary, not quite as much as I could in the corporate world. But I don't have any one to answer to but myself, which means more to me than the extra money I could be making.


"I separate them out, simply because they're for different purposes, with different goals and time-frames, and combining them may mask hidden problems in either the retirement account or the regular account. Consider an example: A young investor has been working on their retirement planning for a few years now, and has a modest amount of retirement savings (say $15,000) allocated carefully according to one of the usually recommended schemes. A majority exposure to large cap U.S. stocks, with smaller exposures to small cap, international and bond markets. Years before however, they mad an essentially emotional investment in a struggling manufacturer of niche personal computers, which then enjoyed something of a renaissance and a staggering growth in shareholder value. Lets say their current holdings in this company now represent $50,000. Combining them, their portfolio is dominated by large cap U.S. equities to such an extent that the only way to rebalance their portfolio is to pour money into bonds and the international market for years on end. This utterly changes the risk profile of their retirement account. At the same time, if we switch the account balances, the investor might be reassured that their asset allocation is fine and diversified, even though the assets they have access to before retirement are entirely in a single risky stock. In neither case is the investor well served by combining their funds when figuring out their allocation - especially as the ""goal"" allocations may very well be different."


The standard goal of valuing anything is to seek the fair price for that thing in the open market. Depending on what is being valued, that may or may not be an easy task. eg: to value your home, get a real estate appraiser, who will look at recent market sales in your area, and adjust for nuances of your property. To value your loan guarantee, you would need to figure out what it is actually worth to the business, which may be difficult. In a perfect world, you would be able to ask the bank to tell you the interest rate you would have to pay, if the loan was not guaranteed. This would show you the value you are providing to the business by guaranteeing it. ie: if the interest would be $100k a year unguaranteed, but is only $40k a year guaranteed, you are saving the business $60k a year. If the loan is to last 5 years, that's a total of $300k. Of course, it is likely the bank simply won't offer you an unguaranteed loan at all. This makes the value quite difficult to determine, and highlights the underlying transaction you are considering:  You are taking on personal risk of loan default, to profit the business. If you truly can't find an equitable way to value the guarantee, consider whether you understand the true risk of what you are doing. If you are able to determine an appropriate value for the loan, consider whether increasing your equity is fair compensation. There are other methods of compensation available, such as having the company pay you directly, or decrease the amount of capital you need to invest for this new set of equity.  In the end, what is fair is what the other shareholders agree to. If you go to the shareholders with anything less than professional 3rd party advice (and stackexchange does not count as professional), then they may be wary of accepting your 'fee', no matter how reasonable.


You don't see Buying and Selling. You see Bid and Ask. Best Bid--Highest Price someone is willing to pay to buy a stock. Best Ask - Lowest price someone is willing to accept to sell a stock. As for your second question, if you can look up Accumulation/Distribution Algorithm and Iceberg Order, you will get basic idea.


Credit cards and debit cards make up the bulk of the transactions in the US.  Visa and Mastercard take a percentage of each credit card transaction.  For the most part, this fee it built into the price of what you buy.  That is, you don't generally pay extra at the grocery store if you use a credit card (gasoline purchases are a notable exception here.) If you were getting something like 2% of a third of all the retail transactions in the US, you'd probably not want to rock the boat too much either.  Since there is little fraud relative to the amount of money they are taking in, and it can often be detected using statistical analysis, they don't really stand to gain that much by reducing it through these methods.  Sure they can reduce the losses on the insurance they provide to the credit card consumer but they risk slowing down the money machine.  These companies want avoid doing something like reducing fraud by 0.5% revenues but causing purchases with the cards drop by 1%.  More security will be implemented as we can see with the (slow) introduction of chip cards in the US but only at a pace that will prevent disruption of the money machine.  EMV will likely cause a large drop in CC fraud at brick-and-mortar stores but won't stop it online.  You will likely see some sort of system like you describe rolled out for that eventually.


I used to work for Wells Fargo, and the part that is most incredible to me about all of this is everyone knew about it happening. I refused to do it myself, but most of the people there that I knew were doing it to get huge bonuses and win trips, TVs, game consoles, etc. Even the upper sales managers knew, they just didn't care because it made them look good and made them more money. I even lost out on promotions simply because I refused to do it.


The supposed cheapest way to do this is via a website like: https://transferwise.com/en They claim to have the best exchange rates compared to banks but I have never used them. If you do use them could you let us know in the comments as to how good they are?


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The real problem is the international bubble. China for one pegs their currency against the dollar and it's banks use even more leverage than ours do. There is no safe haven for money, because everyone is printing the shit out of their money.


"What do you mean ""There are no convenient ways to create a debit card in my area""? Of course there is. At any post office."


"I suppose for the simple minded it is. ""Less taxes = less revenue = oh no, disaster!"". Which may be true for a small state budget that is often strapped for cash and struggling to get by. Cut revenue at the state level and vital programs suffer.   The federal government on the other hand is a behemoth. It has a lot more sources of revenue than states do. It also has more programs and waste that can be cut, before even considering cuts to social services and entitlement programs, like regulatory agencies.  Down vote me all you want but I find it preferable to have tax money in the hands of citizens and businesses rather than the government. The more money you give to government the more they're going to spend."


Do not use a stop loss order as a long-term investor.  The arguments in favor of stop losses being presented by a few users here rely on a faulty premise, namely, that there is some kind of formula that will let you set your stop such that it won't trigger on day-to-day fluctuations but will trigger in time to protect you from a significant loss in a serious market downturn.  No such formula exists.  No matter where you set your stop, it is as likely to dump you from your investment just before it begins climbing again as it is to shield you from continued losses.  Each time that happens, you will have sold low and bought high, incurring trading fees into the bargain.  It is very unlikely that the losses you avoid in a bear market (remember, you still incur the loss up until your stop is hit; it's only the losses after that that you avoid) will make up the costs of false alarms. On top of that, once you have stopped out of your first investment choice, then what?  Will you reinvest in some other stock or fund?  If those investments didn't look good to you when you first set up your asset allocation, then why should they look any better now, just because your primary investment has dropped by some arbitrary[*] amount?  Will you park the money in cash while you wait for prices to bottom out?  The market bottom is only apparent in retrospect.  There is no formula for calling it in real time. Perhaps stop loss orders have their uses in active trading strategies, or maybe they're just chrome that trading platforms use to attract customers.  Either way, using them on long-term investments will just cost you money in the long run.  Forget the fancy order types, and manage your risk through your asset allocation.  The overwhelming likelihood is that you will get better performance, and you will spend less time worrying about your investments to boot. [*] Why are the stop levels recommended by the formulae invariably multiples of 5%?  Do the market gods have a thing for round numbers?


"You can't run a business without making ""$$$"".   Good will and good intentions only go so far and they do not always equate to positive results. Capitalism rewards the positive results of proper decision making in the market place as businesses generate enough profit to allow them to stay afloat and expand, while those businesses that do not follow through with proper decision making reap negative results, fail and eventually go out of business. These are irrefutable facts which govern how capitalism works, i.e. success is rewarded, failure is punished and both of these results serve as lessons for all others in the marketplace who dare to heed these lessons based offered up by success and failure which are to be found in a capitalist economy.   So if the current market conditions dictate that allowing workers more free time, increased perks, etc will increase productivity and lead to success then it is only rational and reasonable for businesses to attend to the needs of their employees.   However if the costs of these perks begin to spiral out of control and/or are no longer relevant or favorable in the marketplace then cost cutting measures are needed to ensure that businesses are able to secure their profits and stay afloat. Those who do not rein in or alleviate these cost issues in their businesses will quickly go under as these costs eat out their bottom line and competitors move in to under-cut them in the market place. Nevertheless attempting to place some sort of emotional or political reasoning and judgment as to how and why businesses act in regards to cost cutting measures without first taking into account the reality of the circumstances in which they must operate in, i.e. having to make a profit in order to survive, is unreasonable and flat out childish."


Dividends indicate that a business is making more profit than it can effectively invest into expansion or needs to regulate cash-flow. This generally indicates that the business is well established and has stabilized in a dominant market position. This can be contrasted against businesses that: Dividends are also given preferential tax treatment. Specifically, if I buy a stock and sell it 30 days later, I will be taxed on the capital gains at the regular income rate (typically 25-33%), but the dividends would be taxed at the lower long-term capital gains rate (typically 15%).


I dunno.  Borrow $65,000 with zero collateral, string the lender along for 20+ years, then die?  Sounds like a great decision to me.  I wonder why a bank would ever take the other end of that lemon of a deal?  Oh, right...


Some countries, like the United States, allow a mortgage interest tax deduction.  This means the interest you pay on a mortgage, which is typically much more than half of the monthly payment at the beginning of a 25 year mortgage, is tax deductible, so you might get 33% or more of the interest back, and that effectively makes the interest rate significantly lower.  Therefore you are borrowing the money really cheap.  That makes MrChrister's answer even more appropriate.


Since I am no longer a minor, can I start contributing to this account right away and claim tax relief for my contributions?  Yes Do I need to submit some paperwork to the bank  Not to my knowledge. Best check with Bank. What will be the features of such a PPF account with respect to maturity, withdrawals, interest, tax on interest, etc. No difference. i.e. the Account would continue, as it was opened 10 years back, it would mature in another 5 years. You can extend this by a block of 5 years as long as required. The withdrawals are tax free in your hands including interest.


Either way, (lease or buy), it's likely going to be an expense, not a depreciation. You would expense the entire lease amount - whatever that is in the year it was paid. A $2k-$3k computer probably isn't worth the trouble of recording it as a Fixed Asset and depreciating it yearly. I work for a company that buys thousands of PCs a year for its employees and we have a hard rule: If it's under $3k, it's an expense not an asset. If you were buying $20k-$50k servers, this would be a different conversation both because of the price and the life of the item. Because it's such a small amount (unless you really are buying $20k PCs), it doesn't really matter whether it's your biggest expense or not, it's likely just an expense. Though, no one is preventing you from depreciating it over 5 years if you wanted to. See: https://www.irs.gov/help-resources/tools-faqs/faqs-for-individuals/frequently-asked-tax-questions-answers/sale-or-trade-of-business-depreciation-rentals/depreciation-recapture/depreciation-recapture In summary: I would say your question is more of a business sense question than a tax question. Is it worth it to you to lease instead of buying because you are getting a new PC so often? Btw: every 2 years is not that often. It's average. Whatever your decision, I think the answer for taxes is the same: Expense it all in the year it was incurred unless you really want to spread it out and depreciate.


You should talk to a lawyer. One solution I can think of is using a trust. Keep in mind that that may complicate things (non-revocable trusts are taxed on income not distributed, and revocable trust means you effectively keep the owenership of the stock). If you don't mind paying taxes on the dividends and keep the stocks in a living trust - that would be, IMHO, the simplest solution. That would, however, invoke the gift/estate tax at the value of the stock when the ownership actually passes to the intended receipient (i.e.: you die/gift the stock to the child). It would be very hard to pay the gift tax now and avoid getting the childs SSN and opening an account for the child with it.


Well, consult with a CPA, but I guess you don't have to pay taxes on 2012 with a correct accounting system since this is the money you are going to completely earn within 2013 so you can record it as future earning which is called deferred revenue or advance payments or unearned revenue.


I understand equity financing. Do you understand microeconomics? Can you explain to me how selling a product that has market value of $4 and a COGS of $10 is sustainable?   Amazon's losses were about building infrastructure to allow reduced costs. Their products sold at a loss tend to be loss leaders (people buy thousands of dollars worth of digital products on Kindles and Fires they purchased for less than cost). That bears no resemblance to Uber's model.


"**What you need to know about [estate planning](http://money.cnn.com/magazines/moneymag/money101/lesson21/), including why you may need a will and assigning a power of attorney.**  **1. No matter your net worth, it's important to have a basic estate plan in place.**  Such a plan ensures that your family and financial goals are met after you die.  **2. An estate plan has several elements.**  They include: a will; assignment of power of attorney; and a living will or health-care proxy (medical power of attorney). For some people, a trust may also make sense. When putting together a plan, you must be mindful of both [federal and state laws](http://corlisslawgroup.com/) governing estates.  **3. Taking inventory of your assets is a good place to start.**  Your assets include your investments, retirement savings, insurance policies, and real estate or business interests. Ask yourself three questions: Whom do you want to inherit your assets? Whom do you want handling your financial affairs if you're ever incapacitated? Whom do you want making medical decisions for you if you become unable to make them for yourself?  **4. Everybody needs a will.**  A will tells the world exactly where you want your assets distributed when you die. It's also the best place to name guardians for your children. Dying without a will -- also known as dying ""intestate"" -- can be costly to your heirs and leaves you no say over who gets your assets. Even if you have a trust, you still need a will to take care of any holdings outside of that trust when you die.  **5. Trusts aren't just for the wealthy.**  Trusts are legal mechanisms that let you put conditions on how and when your assets will be distributed upon your death. They also allow you to reduce your estate and gift taxes and to distribute assets to your heirs without the cost, delay and publicity of probate court, which administers wills. Some also offer greater protection of your assets from creditors and lawsuits.  **6. Discussing your estate plans with your heirs may prevent disputes or confusion.**  Inheritance can be a loaded issue. By being clear about your intentions, you help dispel potential conflicts after you're gone.  **7. The federal estate tax exemption -- the amount you may leave to heirs free of federal tax -- is now set permanently at $5 million indexed for inflation.**  In 2013, estates under $5.25 million are exempt from the tax. Amounts above that are taxed up to a top rate of 40%.  **8. You may leave an unlimited amount of money to your spouse tax-free, but this isn't always the best tactic.**  By leaving all your assets to your spouse, you don't use your estate tax exemption and instead increase your surviving spouse's taxable estate. That means your children are likely to pay more in estate taxes if your spouse leaves them the money when he or she dies. Plus, it defers the tough decisions about the distribution of your assets until your spouse's death.  **9. There are two easy ways to give gifts tax-free and reduce your estate.**  You may give up to $14,000 a year to an individual (or $28,000 if you're married and giving the gift with your spouse). You may also pay an unlimited amount of medical and education bills for someone if you pay the expenses directly to the institutions where they were incurred.  **10. There are ways to give charitable gifts that keep on giving.**  If you donate to a charitable gift fund or community foundation, your investment grows tax-free and you can select the charities to which contributions are given both before and after you die."


"Keep in mind that all of the information below assumes: That being said, here are some examples of national tax laws relating to barter transactions. Obviously this isn't an exhaustive list, but based on my grossly non-representative sample, I think it's fairly safe to assume that barter transactions are more likely taxable than not.  You're referring to a barter system; in the United States, the IRS is very specific about this (see the section titled Bartering).  Bartering is an exchange of property or services. The fair market   value of goods and services exchanged is fully taxable and must be   included on Form 1040 in the income of both parties. The IRS also provides more details: Bartering occurs when you exchange goods or services without   exchanging money. An example of bartering is a plumber doing repair   work for a dentist in exchange for dental services. You must include   in gross income in the year of receipt the fair market value of goods   and services received in exchange for goods or services you provide or   may provide under the bartering arrangement. Generally, you report this income on Form 1040, Schedule C (PDF),   Profit or Loss from Business or Form 1040, Schedule C-EZ (PDF), Net   Profit from Business. If you failed to report this income, correct   your return by filing a Form 1040X (PDF). Refer to Topic 308 for   amended return information. So yes, the net value of bartered goods or services is most likely taxable. According to the Australian Tax Office: Barter transactions are assessable and deductible for income tax   purposes to the same extent as other cash or credit transactions. Her Majesty's Revenue and Customs states that: If you supply services or goods (new or second-hand) and receive other   goods or services in payment, there are two separate supplies: You must account for VAT, and so must your customer if they're   VAT-registered. The VAT treatment is the same as for part-exchanges.   You must both account for VAT on the amounts you would each have paid   for the goods or services if there had been no barter and they had   been paid for with money. Searching the website of the Federal Tax Service for the Russian/Cryllic word for barter (бартер) doesn't yield any results, but that might be because even between Google Translate and the rest of the internet, I don't speak Russian. That being said, I did manage to find this (translated from the first full paragraph of the Russian, beginning with ""Налог на доходы..."": The tax on personal income is paid by citizens of the Russian   Federation with all types of income received by them in the calendar   year, either in cash or in kind. Since bartering would probably qualify as an in kind transaction, it would likely be taxable.  The South African Revenue Service includes barter transactions in the supply of goods taxed under the VAT.  The term “supply” is defined very broadly and includes all forms of   supply and any derivative of the term, irrespective of where the   supply is effected. The term includes performance in terms of a sale,   rental agreement, instalment credit agreement or barter transaction. Look for section 3.6, Supply and Taxable Supply, found on p17 of the current version of the linked document."


I would disagree with your analysis.  To me there are two purposes for a money market (MM): Your emergency fund should be from 3 to 6 months of expenses.  Think of it of an insurance policy against Murphy.  You may want to have some money designated for big expenses, or even sinking funds.  For example, I keep some money in a MM for a car as both the wife, daughter, and I driver older vehicles.  I may need to replace them. If you were planning on making a larger purchase car, house, boat, engagement ring I would put the money in a MM fund so you are not subject to the whims of the market.   After that you are free to invest all your money.  Its likely that you should have some money outside of tax advantaged funds so if you want to start a business you will not have to do high cost withdrawals.


Your math is not wrong. That's why banks want these points. They did the same math too. There may be some immediate tax advantages for points though, in that case you can get return of your tax rate for the year of the points (which may make it worth it, if you don't want to keep the mortgage for more than, say, 10 years). Check here for details.


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I get that, but do boats depreciate at a much faster rate than a car, for any reason? That was the impression I got from your comment. Funnily enough, I was in a meeting today where someone said you have two happy days with a boat; the day you buy it, and the day you sell it. Hah.  Watching my dad, a boat seems like a complete pain in the ass as an investment. Far too much maintenance for the actual time you get to use it, and constant, regardless of whether or not you use it at all (unlike a car, which can sit in a garage without major issue for a certain amount of time), and then the mooring and gas are all costly, too. I just wanted the rationale behind a boat being a shitty investment, really.


The $20k limit seems to be (from another answer) the threshold for GoFundMe to report the campaign. However, such a report does not change the taxability of the income. The income is either taxable or non-taxable regardless of whether the amount is $19,999 or $20,001. This is a common misconception, commonly seen when people think that income or gambling winnings are not taxable below $600, when in reality $600 is the threshold for issuing a Form 1099. Given that, it would be foolish to close a wildly successful (*) GoFundMe campaign, because closing the campaign won't change the taxability of the income. But it will probably cut off the continued donations you may have received. With the amount of money at stake, you should spend the couple hundred dollars to hire a CPA to look at your specific situation. Your uncle's comments are not specific to your situation at best, incorrect at worst, so don't hire him. (*) I don't know what the median GoFundMe campaign raises, but I strongly suspect it's well below the $20k/200 donor reporting limit. Just because you have one campaign that's gone viral enough to approach that limit, doesn't mean if you close that one and start a new one, that it will go viral again, especially if it's under a new username.


"IMO it's usually not worth it and here's why. There's a statistical distribution of how likely a unit may fail depending on its age. Probability is high for a short period after the unit comes into use because there are parts that were not thoroughly tested and manufacturing defects. Then all those defective parts fail and get replaces and the unit likely functions without faults for years. Then it reaches it lifetime end and again probability becomes much higher - parts wear out and start failing one by one. Every unit comes with a manufacturer warranty of one to two years already and that warranty will likely cover any defect causes by materials and manufacturing defects - the period when fault probability is initially high. ""Extended warranty"" only covers the unit for two-to-five years and most units have lifetime of about ten years. This means that the ""extended warranty"" is in effect when it is least useful."


No. Current account is not a requirement. You can use savings account. You would need to pay taxes on interest. Savings account have limitation on number of withdrawal in a quarter, hence most sole proprietorship have current account.


Is there more information that I could review and become more knowledgeable about this type of scam? In response to this, anytime anyone ask you to send money, for a bank password, bank account numbers, etc...  It is most likely a scam.   For more education this search turned up an number of excellent resources.


Yeah but that wasn't the whole point behind his statement, which was offered in support of the notion that the low-height zoning was the reason for the housing shortage. The reason population density matters is that it's been necessary for Japan to build expensive, high rise housing that's earthquake resistant. Until recently, it would have been unnecessary to zone differently in New Zealand. The implication, I think, is that Japan didn't start building high rise housing until it became more cost prohibitive to build out than up.   I don't care about the matter at hand, but I felt a need to referee the fact that the rebuttal did, in fact, negate his point somewhat, and you just happened to pick the part of his point it didn't negate ;-)


What about Hulu?  The networks got scared and then freaked out when it turned out to be more than a small niche market that was interested in it. First they ordered new episodes be released on Hulu later and later to try and force people to watch them on TV. Then they took down older episodes to try and force people to buy DVD box sets.  And entire networks that were initially onboard with Hulu have done a re-think and pulled all their shows. Just because it's actually a popular platform. Which is, ironically, not what they wanted Hulu to be.  And going forward, the cable conglomerates are going to be even more powerful players with NBC and G4 (OK, who gives a shit about G4?) now owned by Comcast. Disney, which owns ABC and ESPN, makes a huge portion of their money from their cable and satellite TV businesses. Those guys will never, ever play ball with a pick 'n' play online TV distribution model along the lines of Steam. Not until cable and satellite are no longer profitable. And that is a long, long time away.


Like I said - I can't directly comment on exec and partner salaries, as I'm not (yet) at those heights. (what is an Accenture Director/VP? Do you mean Senior Exec?)   But we weren't discussing where the better pay is - we were discussing IPOs and competition. I'm in the IT security & risk management space and every second bid sees Accenture going up against Deloitte and IBM, and normally a few boutique firms.  Things may be different in both the pure management consulting space and the outsourcing/full service space, but in technology consulting there's certainly competition in a meaningful sense.


First off, very sorry for your loss. I lost my father a few years ago and I know it can be tough.  My father also had a lot of credit card debt. They attempted to collect the debt from my mother, who was no longer on the account (for over a decade). It was just an attempt to recoup as much money as they could before dealing with a probate court.  As others have said, it depends on your state law. You will want to talk to a lawyer, figure out who is going to be the executor of the estate, and determine the next steps in starting to settle debts that your father had. If you want to take possession of the house, then you will likely need to work with the executor and perhaps purchase the house from the estate (which would then use the money to pay off debts).


set up a US company (WY is cheap and easy), go south and open a personal and business bank account, ask for the itin form. file for the itin. set up your EIN for the company. get a credit card for both. pay some mail forwarding service with it. file for taxes in the next year using your itin. prepaid cards do not link to your tax id


"First, you mentioned your brother-in-law has ""$100,000 in stock options (fully vested)"". Do you mean his exercise cost would be $100,000, i.e. what he'd need to pay to buy the shares? If so, then what might be the estimated value of the shares acquired? Options having vested doesn't necessarily mean they possess value, merely that they may be exercised. Or did you mean the estimated intrinsic value of those options (estimated value less exercise cost) is $100,000? Speaking from my own experience, I'd like to address just the first part of your question: Have you treated this as you would a serious investment in any other company? That is, have you or your brother-in-law reviewed the company's financial statements for the last few years? Other than hearing from people with a vested interest (quite literally!) to pump up the stock with talk around the office, how do you know the company is: BTW, as an option holder only, your brother-in-law's rights to financial information may be limited. Will the company share these details anyway? Or, if he exercised at least one option to become a bona-fide shareholder, I believe he'd have rights to request the financial statements – but company bylaws vary, and different jurisdictions say different things about what can be restricted. Beyond the financial statements, here are some more things to consider: The worst-case risk you'd need to accept is zero liquidity and complete loss: If there's no eventual buy-out or IPO, the shares may (effectively) be worthless. Even if there is a private market, willing buyers may quickly dry up if company fortunes decline. Contrast this to public stock markets, where there's usually an opportunity to witness deterioration, exit at a loss, and preserve some capital. Of course, with great risk may come great reward. Do your own due diligence and convince yourself through a rigorous analysis — not hopes & dreams — that the investment might be worth the risk."


> It will have minimal effects on buy & hold traders since they typically research for a long time, then buy & hold stock for many months.  This is the part I never understand. If a short term tax doesn't affect buy & hold traders, when why would HFT affect buy & hold traders?


you need to use easy programming language to imply onto a scan  where you enter Scan all stocks  display if volume < (less than) 100


Those are some big aspirations while still in school and certainly are attainable :)  Here's a good [article](http://www.mergersandinquisitions.com/proprietary-trading-careers/) that will hopefully outline your expectations of prop trading. Hope this helps!  I've been trading currency for going on 4 years and have also been looking into prop trading. I studied finance and econ in college and currently work as a financial advisor for a small firm. I have a series 6 and 63. Currently working on my series 3 to seep my way into the field via a legitimate broker/dealer. If I had plenty of capital, I certainly would rather just be an independent trader.


The momentum is there and seems unstoppable with the Europeans, US and Asian car makers going all electric and a stop to gasoline & diesel fuel on the horizon.  Might be some fuel cell use (hydrogen) but generally electric is the way to go.  Enhanced battery tech investment needed badly.  Range is critical and removable and replaceable batteries the way to go too.  Pull into a garage and have your spent battery pack removed and replaced by a fully-charged pack.  Pay $3 and go on your way.  It's the way of the future.


Thanks for the suggestion guys, but it won't make sense to only give the money to D. Cuz, if I don't give the money to B, why would he give me any further work. It was all cuz of him that I got work in the first place.  The job level and difficulty was pretty easy, I asked D and he was happy to do the work for $500.


Some of the different types of workouts that are involved under the term cardio exercise general work out include riding a bicycle, jogging, diving, and by walking. Aerobic or CardioVascular general is the most essential type of work out when it comes to the ageing. There are many such workouts that an individual can perform and they all include the use of the feet which is the biggest muscle in the human whole body.


Amazon Gold Ventures - Craig Thomas's Fc2 Blog  http://craigthomas.blog.fc2.com/   This group of mines are located in the catchment area of work Marmajito underground mine. They are operating the mines Naranjos, La Picuda and Las Brisas. The first two exploit the seam. Marmajito in its lateral extension and the third operates the hearts of the Grain Córdoba. These mines are located in the hamlet Marmajito, south of town the municipality of Segovia.  MINE COORDINATES EAST AND COORDINATES NORTH  Los Naranjos 931,183.64 1'273,730.24 630 550 La Picuda 932,187.87 1'273,114.64 591 500 Las Brisas 930,845.26 1'273,260.24 690 570 The areas granted by the company Frontino Gold Mines in their respective operation contract are:  Los Naranjos: 9 Ha 1281.83 m2  The Picuda: 4 HA 7214.6 m2  Las Brisas: 4 Ha 629.46 m2  These areas are bounded by the following coordinates.  COORDINATE POINT AND COORDINATE N  1 931,173.71 1'273,700.46 2 931,411.94 1'273,827.48 3 931,422.51 1'274,039.10 4 931,092.60 1'274,126.60 COORDINATE E COORDINATE N 1 932,051.43 1'273,191.47 2 932,152.57 1'273,298.64 3 932,404.37 1'273,110.56 4 932,287.72 1'273,000.00 COORDINATE E COORDINATE N 1 930,607.24 1'273,363.31 2 930,814.27 1'273,375.04 3 930,869.35 1'273,219.11 4 930,670.89 1'273,143.91 Marmajito sector mines have operating agreement in effect with the Frontino Gold Mines Company, with a duration of three months, renewable. The areas are well located with respect to farm work today, the Naranjos except mine, which is advancing on a crusade to Córdoba intercepting the vein out of the area. The mine La Picuda has a fixed lower boundary which is already below the lowest level on the contract, are advances are also side that fall outside the allocated area.  Topic:MY WORLD - Genre:Blog


"To answer your question, specific to ATM usage: It is your money.  You can do with it as you wish, as long what you are doing with it is legal.  There is nothing illegal about taking money out of an ATM every day of the week. That said, there are some issues.  One you already mention being the typical daily limit of $300.  Another, is that these days most ATMs charge you for the transaction and many banks will also charge you for the transaction.  (That assumes that you are not using an ATM owned by your bank.)  These fees add up quite quickly.  Using the very typical $1.50/transaction (or $3/transaction total), you could make 8 transactions before the typical $25 wiring fee is more appropriate.  You should also not ignore the ""cost"" of the inconvenience of having to make so many transactions.  There is also the potential, however remote, that your bank may see it as suspicious activity and lead to the headaches you are trying to avoid by not wiring the money. If you don't have a checking account with that bank into which you could just transfer the money, online, by phone or whatever, I would simply jump through the required hoops.  Keep in mind that these hurdles are intended to protect your money."


"My roommate works for Regal as a theater manager so I think I can help here.   As a general rule of thumb for tracking performance, they use:  Concession sales divided by attendance (industry lingo is ""per cap""). The higher the ratio, the better the theater did.    Most people don't know that theaters make most of their money off of concessions, not ticket sales. The majority of the money that you pay for the movie ticket is actually money that goes to Hollywood, etc.   Hope this helps! If you have more questions, let me know and I'll pick my roommate's brain."


##Stuxnet Stuxnet is a malicious computer worm, first identified in 2010 but thought to be in development since at least 2005, that targets industrial computer systems and was responsible for causing substantial damage to Iran's nuclear program. Although neither country has admitted responsibility, the worm is now generally acknowledged to be a jointly built American-Israeli cyberweapon.  Stuxnet specifically targets programmable logic controllers (PLCs), which allow the automation of electromechanical processes such as those used to control machinery on factory assembly lines, amusement rides, or centrifuges for separating nuclear material. Exploiting four zero-day flaws, Stuxnet functions by targeting machines using the Microsoft Windows operating system and networks, then seeking out Siemens Step7 software.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/business/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index)   ^] ^Downvote ^to ^remove


Trading at the start of the day is highest because of news flows that may have come after the close of the previous day.  And trading at the end of the day is highest because of expected news flows after closing hours. Moreover, there are many day traders who buy in the morning without making any payment for purchase and such traders have to sell by evening or else they will have to make the payment for the purchases which they have made.


Working on existing accounts does look really easy. It takes a special type of person though, and getting those accounts in the first place does take some serious effort.  As an aside, one of the more interesting things I found about salespeople is that they are well compensated, but very stuck. They can move to competition, but changing industries or moving to another region is extremely difficult for them due to the highly networked nature of their business.


Over the past few weeks, I’ve been getting more and more pumped — because this weekend, I’m going to meet 3,000 Empower Network Bad Asses in San Diego, CA to infiltrate the city and take over in a way ONLY Empower Network knows how to do.


It is a legal issue for two reasons. In the United States if both names were on the title both people would have had to sign the paperwork in order to transfer the title. If the car was collateral for the loan, then the bank would have had to be involved in the transaction. The portion of the check need to repay the loan would have had to have been made out to the bank. If the car was sold to a dealership, then paperwork must have been forged. If the car was sold to a person then it is possible that they were too naive to know what paperwork was required, but it is likely still fraud. You need legal advice to protect your money, and your credit score. They should also be able to tell you who needs to be contacted: DMV, the police, the dealership, the bank.


"It depends on what kind of pension you get and your anticipated retirement income.  If you have one of those nice defined benefit plans that pays 90% of your last 5 years' average salary annually, you might not want to bother with a separate RRSP and put your money into other use instead. While most Canadians should worry about not having enough to retire on, some might end up with too much and costing them in the form current purchases and entitlements to government retirement benefits. Figuring out how much you need for retirement is not trivial either.  A lot of people talks about planning for needing 70% of what you made now as a way to preserve your lifestyle.  Well, my opinion is that those type of generalization might work for the people in the middle of the income band and is too little for those in the low-income and possibly too much for those with high income.  My own approach is estimate your retirement income requirement by listing out your anticipated expenses as if you were doing budget.  I would agree that's not the best approach either (back to my comment about no one size fits all), but it's one that I feel most comfortable with. Once you have that figure, factor in what you think you will get from the government (OAS, CPP and etc) and you will have the amount of money you need for retirement.  I will warn against using ""average life expectancy"" to forecast your retirement needs, 'cos 50% of the people will end up with extra money (not a bad problem) and the other 50% will run out of money (bad but very true problem) if you use that approach. Instead of going on and write an essay on this topic, I will simply say this - everyone's situation is different and, just like solving any other complex problems, you need to start with ""end"" in mind and work things backward, with a ton of different scenario to be able to cope with whatever curveballs life might throw at you.  If you spend enough time in the library/bookstore looking through books on the topic of ""estate planning"" and ""retirement planning"", you will find people arguing back and fro on these topics - this is a sign that this is complex and no one has the one ""good"" answer for.  Do a bit of reading by yourself and, if still unsure or just want to be sure, go spend the money and review your plan with a fee-only advisor.  They will be able to provide another opinion on your situation after thoroughly studying your situation."


"The IRS W-8BEN form (PDF link), titled ""Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding"", certifies that you are not an American for tax purposes, so they won't withhold tax on your U.S. income. You're also to use W-8BEN to identify your country of residence and corresponding tax identification number for tax treaty purposes.  For instance, if you live in the U.K., which has a tax treaty with the U.S., your W-8BEN would indicate to the U.S. that you are not an American, and that your U.S. income is to be taxed by the U.K. instead of tax withheld in the U.S. I've filled in that form a couple of times when opening stock trading accounts here in Canada.  It was requested by the broker because in all likelihood I'd end up purchasing U.S.-listed stocks that would pay dividends.  The W-8BEN is needed in order to reduce the U.S. withholding taxes on those dividends. So I would say that the ad revenue provider is requesting you file one so they don't need to withhold full U.S. taxes on your ad revenue. Detailed instructions on the W-8BEN form are also available from the IRS: Instruction W-8BEN (PDF link). On the subject of ad revenue, Google also has some information about W8-BEN: Why can't I submit a W8-BEN form as an individual?"


The schools you refer to used to be based in the US until businesses decided to go global for cheaper labor. After the dot Com bubble burst the US tech schools disappeared.    Those adventurous enough picked up and moved to places like India, Russia, China,  etc and built lucrative businesses.


I believe temp agencies get a payout if the employer decides to hire on the temp full time usually. So it would be to prevent a temp from quitting and going to work for the employer as a way around that payment. The idea is to set a term long enough not to make it worthwhile for the employer to wait rather than paying the fee.


Also important to keep in mind is the difference in liquidity. The stock could be very liquid in 1 exchange but not in another. When times get bad, liquidity could dry up 1 one exchange, which results in a trading discount.


The big issue I have is that people seem so hellbent on using short term, unrelated, indicators to make their political decisions.  Not only is the President not King of Gas Prices, but daily/weekly/monthly fluctuations in a commodity price should be pretty unrelated to how you assess a platform, plan, vision, or leader, IMO.


Any such number would depend on the country, the market, and the economic situation - especially inflation ratio. Generally, if you are not in a booming or a dying technology, getting a raise above the inflation ratio is 'good'; anything below is poor.


After digging around a bit on sites like Foxwood's and Harrahs, it looks like you can't purchase casino chips with a credit card. You must use cash, an ATM, or an in-house credit mechanism such as a pre-purchased card with a line-of-credit (featuring hefty fees per transaction).


"On the iOS Uber app right now, you can chose between ""Never"" and ""Always On"". Every time I use the Uber app I need to activate the option, then turn it off again after I'm done. It's quite annoying, considering most apps give you the ""When using app"" option instead of ""Always""."


I doubt it.  Securitizations refer to deals that issue tranched bonds backed by a specific cash flow asset. That asset can be mortgages, credit cards, auto loans, syndicated loans, aircraft loans, trade finance...pretty much any type of loan.  - MBS refers to any securitization backed by mortgages. - CLO refers to any securitization backed by syndicated loans. - CMS refers to any securitization backed by commercial mortgage debt. - ABS refers to the rest (car loans, credit cards, airplanes, etc)  CDO refers to a securitization of other securitizations. The underlying securitizations could be MBS, CLO, CMS, ABS, whatever. Most common CDOs are securitizations of MBS or CLO, with the vast majority being MBS from the go-go years '05-'07. And don't even get me started on synthetic structures.  To my knowledge (and again I could be wrong here, please let me know if you've seen otherwise) the market for CDOs has been firmly dead since '07. ABS is still very active, although less than in the mid-oughts, and CLO is around still too. These two proved the best application of the concepts behind securitization: their underlying loans were truly diversified, so a general economic downturn hurt them less then the national collapse in the housing market. MBS issuance that does not involve Fannie/Freddie/Ginnie is rare but still exists. The lack of non-prime issuance of MBS is a huge reason for why the average American can't refi or take out a mortgage: there's no MBS issuance to package the loan into!  Edit: typos


It is unlikely that buying 100 shares will have any effect on a stock's price, unless the stock's average trading volume is incredibly low.  That being said, no matter how many share you buy, there's no way to know what the impact on the price will be, because that's only one factor in how shares are priced.  If anyone could figure out the answer to your question then they'd be extremely rich, because they'd simply watch for big share trades and then buy those stocks on the way up. The market makers who actually execute the trades are the ones who set the prices, and most stocks have multiple market makers trading the stock, so the bid/ask you see is the highest bid and lowest ask.  The market makers set the price based on what the trend of the stock is.  If, for instance, there's a large number of sell orders against a stock, the market makers will start dropping the bid prices as they fill execution orders, and as they see buy orders increase, they'll raise ask prices as they fill execution orders.  The market makers earn the difference between what they paid to buy someone's stock who was selling and what they get from someone else who buys it. This is a simplified explanation, so pro traders, don't beat me up! (grin) So, basically, it takes quite a bit of share volume in one direction or another to affect a stock's price.  I can guarantee a 100-share trade wouldn't even be noticed by market makers. I hope this helps. Good luck!


"Those ""haters"" are trying to convince you away from making a poor investment. It would honestly be unethical for us not to. Tell you what. Meet with these people in real life. Take a tour of their current operations. Do your due diligence. Ask them hard questions.  Like.  Why they need to reach out to friends for investment, rather than a venture capitalist or a bank loan?   At worst they are lying and it is fraud. At best they are in over their head with bad business sense and you're about to get sucked into it.  Just because weed in general is going to take off, does not mean YOUR weed shop is going to take off.   Example: Smartphones have taken over the world. Microsoft recently axed its windows phone because it did not work out for them.  Your weed shop could be the iphone of weed. It also could be the windows phone of weed.   I know you've gone over how he has experienced high demand. There's a saying we like here: Past performance is not indicative of future results.   Its entirely possible a large retail chain (Amazon perhaps?) could enter the market and undercut you to the point that you are making a loss."


This answer is assuming you're in the US, which apparently you're not. I doubt that the rules in the EU are significantly different, but I don't know for sure. In case of an IRS control, is it ok to say that I regularly connect   remotely to work from home although in the work contract it says I   must work at client's office? No. Are there any other ways I can prove that this deduction is valid? No. You can't prove something is valid when its not. You can only deduct home office expense if it is used exclusively for your business, and your bedroom obviously is not.


When you buy a stock, the worst case scenario is that it drops to 0.  Therefore, the most you can lose when buying a stock is 100% of your investment. When you short a stock, however, there's no limit on how high the stock can go.  If you short a stock at 10, and it goes up to 30, then you've lost 200% on your investment.  Therefore shorting stocks is riskier than buying stocks, since you can lose more than 100% of your investment when shorting. because the price might go up, but it will never be as big of a change as a regular price drop i suppose... That is not true.  Stocks can sometimes go up significantly (50-100% or more) in a very short amount of time on a positive news release (such as an earnings or a buyout announcement).  A famous example occurred in 2008, when Volkswagen stock quintupled (went up 400%) in less than 2 days on some corporate news: Porsche, for some reason, wants to control Volkswagen, and by building up its stake has driven up the price. Hedge funds, figuring the share price would fall as soon as Porsche got control and stopped buying, sold a lot of VW shares short. Then last weekend, Porsche disclosed that it owned 42.6 percent of the stock and had acquired options for another 31.5 percent. It said it wanted to go to 75 percent. The result: instant short-squeeze. The German state of Lower Saxony owns a 20 percent stake in VW, which it said it would not sell. That left precious few shares available for anyone else. The shorts scrambled to cover, and the price leaped from about €200, or about $265, to above €1,000.


I don't really see the big deal in taking the check. Fidelity will issue you a check, made payable to VANGUARD FBO [Your Name]. All you have to do is simply hand the check over to Vanguard to deposit into your new IRA. Simple and done. To answer your question: Whether or not a custodian, tpa, or recordkeeper will do a direct-deposit or transfer of your funds is completely at their discretion. My company rarely does direct transfers. We issue a check to you. It's just the way we do it. You can talk to Vanguard and see if they can initiate the direct transfer with Fidelity - but honestly, this may just delay getting your funds moved and you're going to end up with a check anyways. And if Vanguard does somehow convince Fidelity to do the wire transfer - there is still going to be a fee. Wires are expensive. Unless Vanguard is willing to pick up the wire fee for you (doubtful). Other's have also mentioned that TPA's will withhold a mandatory 20% federal tax withholding if they send you a check. This is only true if the check gets made payable in your name. But the taxes should not be withheld as long as the check is made payable to your new Vanguard IRA. So my final opinion: Just take the check and give it to your Vanguard rep. It's literally that simple.


You would have sold at $10,000 or you’d be an absolute moron  Edit: or when it dipped from $1k to $300 if you held through that you’re either clinically tarded or forgot you owned it. Not even the creators held their bitcoins through this


It's interesting how ups doesn't seem to be having a problem (a private company).    It's more evidence that the government isn't really good at running anything.  It's partially because they don't have to worry about making a profit and since it's not their money (it's ours), piss it away.  If they can't even run something simple as the post office without nearly going out of business, healthcare is an impossibility.


I know this may be difficult for you and like so many other people pointed out here, you either only read what you want or do not comprehend what you read.   I was specifically talking about MS the entire time, never said anything about the bakery you are referencing so once again you are making a moot point with your protected class information...I was talking about how the entire state was burned in Reddit when some bigoted business owners decided to not do business with LGBT people about 8 months ago.  Again, just because you think something should be some way, doesn't mean it is. Wish and hope all you want to but until the law says they are protected, they are not. So again, what paypal did is not different than what the businesses in ms did, but your type of people had the opposite reaction then than you do now and I was merely trying to point it out like almost everyone else you are arguing with in this thread has tried to but fell on deaf ears. They are the same but they do not match your opinion so you put up you blinders and shove your fingers in your ears while screaming like a child at anyone trying to point out a fallacy in your logic.   Also what does my politics have to do with this? I hate to burst your bubble but I'm not libertarian...regardless, it does not matter. You bring up politics as if it would effect me by you calling me libertarian...why? Just because my opinion is different you automatically call me out as [insert political party here] that does not agree with you to try and invalidate anything I'm saying.   Well, I'm done. It is pointless to try and tell you anything that differs from your opinion. I grow tired of telling you the same thing over and over again especially when you apparently do not read replies or skip over any part that you disagree with. Good luck with your line of thinking. Hopefully one day someone like PayPal does not block your business or a business you do business with because it differs from their opinion. Your opinion now aligns with theirs, but what happens next time it doesn't and they have the same kind of power. Let them do it once, next time you well not have a choice.  Don't worry about replying, I'm no longer interested in hearing your opinion as I have now made up my mind that you are small minded and lack basic thought required to see past your immediate fields of view.   They are burning someone else now, eventually they well burn you since you are so happy to let them do it too someone else. Don't make a stand now, they will not let you make a stand later.


"Yes, if we won't establish UBI then we can just redistribute wealth another way: by weird employment schemes like this. I have no problem taxing drivers a little extra in order to forcibly transfer some of that wealth to poorer folks by using ""jobs theater""."


If she claims you as a dependant she may be able to claim your education expenses also and depending on tax bracket (hers and yours) they may be worth more to her than they are to you. Having her claim you may also affect your eligibility for financial aid however, if she has been claiming you so far with no negative effect on your eligibility then that may not matter next year either.


A poorly written article (if you read it) that states that even though it added that many jobs, more were expected to be added. Also, people have started returning to looking for jobs so the unemployment rate got worse.


> To imply a grand conspiracy...  No conspiracy required.  All you have to agree with is that having money makes it easier to make money and society will sort itself into classes that become further apart and harder to move between.  > How about it is hard work and good parenting?  Those are important but exist in both rich and poor areas and it is a simple fact that you would get further with hard work and good parenting in a rich area than in a poor one.  I think a good way to describe it is inequality of affluent opportunity and experience.


This is an older question but I thought I'd give the correct response for anyone else that might look. Yes there definitely could be issues. You can form in friendly states such as Delaware and Nevada without having a physical location in the state but you can't run a business from another state without having to 'qualify' to do business in that State. To give a bit more clarification. Lets say you open a Delaware LLC.  But you answer the phone when it rings on your New York phone and money comes into your New York bank account and your suppliers and vendors all use your New York address to send invoices and correspondence. Well you can pretty much count that you fall into the definition of doing business in New York and expected to pay New York taxes and qualify to do business in the state. The solution would be to set up your business to truly 'operate' from the state you would rather be in.


I tried to like /r/Anarchism, but the mentality portrayed there is that of a statist who is pissed that *they* aren't the dictator, and are willing to use violence and theft to achieve their goals.   Please shove /r/Anarchism up your ass, and visit /r/Anarcho_Capitalism to understand what the Non Aggression Principle is, and how to engage in voluntary transactions without duplicity or threats.


Explain to me how the fact I will go to jail with a gun pointed to my head if I don't pay taxes which then go to pay off your debt simply because I worked hard to get a good job and pay off my debt is not stealing?  What the hell are you talking about - that is literally the definition of stealing - putting a gun to someone's head and taking their money.  If I graduated with a lot of debt (which I did) but couldn't pay it off I would take personal responsibility like an honest person and work hard to find a good job or live cheap to pay it off (like I did). This will also incentivize less people to get unnecessary degrees that don't have jobs available because they don't increase productivity/standard of livings for other people.  The reduction in demand also will force Colleges to cut costs and lower prices. A win win.  Stop thinking stealing from me to pay off your debt is moral just because you hire the Government to do it for you.


Saving some money for the future is a good idea.  But how much to save is a tough question.  I retired with a small fraction of what the experts said I would need.  Three years later, I can confidently say I did not even need what I had saved.


The DoD wants to cut some of those bases, it's the people in Washington who don't want this to happen. These bases bring in money to the communities of which they are a part of, even if they're unnecessary and sometimes a hindrance when thinking in terms of military strategy. So the legislative branch blocks the closures that the DoD want because if these bases did close, it'll hurt the communities within their districts, thus hurting their chances of re-election.


>How does a median salary affect me if I'm making X?  Everything isn't about you? Do statistics only matter when they correlate directly to you?  The reason that we have statistics is to give us a better picture of the overall situation using data, rather than anecdotes. You're being very reductive, which is fine, but I'm not sure what the point is in the Economics subreddit (which is primarily about statistical measurements of ecnoomic policies)


"Why does it have to be a long shot?  We're pulling in the better part of $300k/yr on TIME TRACKING. Long shot? Methinks not. If you educate yourself about what people pay for, there's no reason it has to be a ""long shot"" to begin with.  I *hate* wasting my time for no reward."


I'm sure there is a way to do this. You will almost certainly need a government issued picture ID to do this, though.


"There are actually a few questions you are asking here. I will try and address each individually. Down Payment What you put down can't really be quantified in a dollar amount here. $5k-$10k means nothing. If the house costs $20k then you're putting 50% down. What is relevant is the percent of the purchase price you're putting down.  That being said, if you go to purchase a property as an investment property (something you wont be moving into) then you are much more likely to be putting a down payment much closer to 20-25% of the purchase price. However, if you are capable of living in the property for a year (usually the limitation on federal loans) then you can pay much less. Around 3.5% has been my experience. The Process Your plan is sound but I would HIGHLY suggest looking into what it means to be a landlord. This is not a decision to be taken lightly. You need to know the tenant landlord laws in your city AND state. You need to call a tax consultant and speak to them about what you will be charging for rent, and how much you should withhold for taxes. You also should talk to them about what write offs are available for rental properties. ""Breaking Even"" with rent and a mortgage can also mean loss when tax time comes if you don't account for repairs made. Financing  Your first rental property is the hardest to get going (if you don't have experience as a landlord). Most lenders will allow you to use the potential income of a property to qualify for a loan once you have established yourself as a landlord. Prior to that though you need to have enough income to afford the mortgage on your own.  So, what that means is that qualifying for a loan is highly related to your debt to income ratio. If your properties are self sustaining and you still work 40 hours a week then your ability to qualify in the future shouldn't be all that impacted. If anything it shows that you are a responsible credit manager.  Conclusion I can't stress enough to do YOUR OWN research. Don't go off of what your friends are telling you. People exaggerate to make them seem like they are higher on the socioeconomic ladder then they really are. They also might have chicken little syndrome and try to discourage you from making a really great choice. I run into this all the time. People feel like they can't do something or they're to afraid so you shouldn't be able to either. If you need advice go to a professional or read a book. Good luck!"


> First off, there's the literal secret - the special alloy of copper, tin, and silver that gives the Zildjian cymbals their world-renowned sound.  I'm curious - how could it still be such a secret? Couldn't you just, I dunno, buy one, melt it down, and test the alloy?  Alternatively it seems like it would be easy enough to do a few hundred tests to narrow in on the specific ratios. Not the kind of thing someone would do in their basement overnight, but easily the kind of thing someone could spend a few million bucks to pull off.


Yeah, I can understand when someone is directly infringing on a company's works and they go after them, but sometimes in the business world you just have to scratch their head at their decisions.  They're so focused on controlling *everything* sometimes that they'll even damage their own business.  Good to see Lego understands that sometimes letting people in on the action is a good thing.


"Why must terms must be mutually exclusive?  This (false) dichotomy is what seems to cause the most debate.  It is the SINGLE EVENT OUTCOME that defines gambling. Gambling will involve an aleatory contract. That is, the outcome is specifically tied to a single event that determines profit/loss. This could be the outcome of a race or the roll of a dice, but should involve chance.  This is why gambling is often in the context of a game, but I would make the argument that some investment tools fall into this category - The price of a stock at a certain date, for example. This may also be called ""betting"", which opens up a whole other discussion. Investing has no such implication, and as such it is the broader term.  Investing is to put something (money) to work to return a profit. Some forms of gambling could fall under this umbrella. Some would say that is a ""bad investment"" and even if they are right, it may still be the desire and intent of the investor to make a profit.  Not all gambling falls under investing. You can gamble for pleasure.  The profit/loss of most investments are not contractually tied to a specific event or outcome (e.g. the price of a stock over 10 years is the result of many events affecting its market value). Such an investment would not be considered gambling."


As an advertising slogan, it generally implies saving monthly into an investment account. If you do pay yourself first, basically making saving/investing part of your budget, the intent is that you won't get to the end of the month with nothing left to save, because you will have already done it.


"Financial statements provide a large amount of specialized, complex, information about the company. If you know how to process the statements, and can place the info they provide in context with other significant information you have about the market, then you will likely be able to make better decisions about the company. If you don't know how to process them, you're much more likely to obtain incomplete or misleading information, and end up making worse decisions than you would have before you started reading. You might, for example, figure out that the company is gaining significant debt, but might be missing significant information about new regulations which caused a one time larger than normal tax payment for all companies in the industry you're investing in, matching the debt increase. Or you might see a large litigation related spending, without knowing that it's lower than usual for the industry. It's a chicken-and-egg problem - if you know how to process them, and how to use the information, then you already have the answer to your question. I'd say, the more important question to ask is: ""Do I have the time and resources necessary to learn enough about how businesses run, and about the market I'm investing in, so that financial statements become useful to me?"" If you do have the time, and resources, do it, it's worth the trouble. I'd advise in starting at the industry/business end of things, though, and only switching to obtaining information from the financial statements once you already have a good idea what you'll be using it for."


Here is a list of threads in other subreddits about the same content:   * [Reforming the National Flood Insurance Program: Toward Private Flood Insurance](https://www.reddit.com/r/Economics/comments/6z1nzm/reforming_the_national_flood_insurance_program/) on /r/Economics (created at 2017-09-09 17:24:46 by GatorD42)   ----    ^^I ^^am ^^a ^^bot  ^^[FAQ](https://www.reddit.com/r/DuplicatesBot/wiki/index)-[Code](https://github.com/PokestarFan/DuplicateBot-[Bugs](https://www.reddit.com/r/DuplicatesBot/comments/6ypgmx/bugs_and_problems/)-[Suggestions](https://www.reddit.com/r/DuplicatesBot/comments/6ypg85/suggestion_for_duplicatesbot/)-[Block](https://www.reddit.com/r/DuplicatesBot/wiki/index#wiki_block_bot_from_tagging_on_your_posts)


"I know many people who would recommend joining a credit union. They're typically local and are not-for-profit entities (not non-profit like a charity). The ""customers"" are actually members who cooperatively provide financial services to the other members. Oftentimes if there's a surplus of profits at the end of the year, they divvy them up to the members based on how many accounts they have, what their balances are, loans, etc."


What you said is technically correct. But the implication OP might get from that statement is wrong. If the Fed buys bonds and nominal yields go down (Sometimes they might even go up if it meant the market expected the Fed's actions to cause more inflation), inflation expectations don't go down unless real yields as measured by TIPs stay still.


"My prediction:  They are purposefully suppressing the price.  Chinese crypto-exchanges will be temporarily closed at the end of this month.  The Communist party leaders and PBoC insiders will have access to cheap bitcoin.  After they are sufficiently happy with their bitcoin acquisition, they release a new statement that says exchanges can re-open.  The supply has been significantly reduced because of insiders attaining bitcoin behind the scenes during the ""shut down"".  Because of the low supply, the price skyrockets to $10k.  They all make significant sums of money.  So do you want to be on the sidelines during this, or do you want to join in on the fun?  I know what I'll be doing :)"


> walmart hires them because they have a low marginal utility undeserving of a higher wage. if they could get a higher wage somewhere else, they would.  It's this way for every region, right?  >i'm mad at the government for giving them aid. i don't think i should have control over a private business. but im supposed to have control over my government.   ...  >Wal-Mart is transferring the cost of labor onto the taxpayers.  You are your government, it's why you vote for representatives to be assigned. So you are mad at yourself for not ensuring the prosperity of your own government... Good commenting!


Such click baity article, even if essentially true.  People that job hop for more money are not only looking for more money, they must also be willing to keep learning and willing to accept more responsibility.   Good for them, but not all people want to take on more responsibility, or look for a new job when they like the one they've got.


In short, no, or not retroactively. There really are multiple companies involved, each of which bills you separately for the services they provided. This can be partly avoided by selecting either a high-end health plan with lower out-of-pocket maximum, (costs more up front, of course) or by selecting a genuine Health Management Organization (not a PPO) which gathers more of the services into a single business. Either of these would result in fewer cash payments needing to be sent.  But I don't know of any way to simplify things after the fact. Even if there was a consolidation service, you would have to forward the bills to them, which really wouldn't be any easier than just paying the bills. (I'm assuming you are in the US, where we have a health insurance system rather than a health system. Other countries may handle this differently.)


> The paper, which is yet to be published, found that a 10 percent increase in Airbnb listings can create an average 0.39 percent increase in rents and an average 0.64 percent increase in home prices, the Wall Street Journal reported.  In the long term, rents and property value go up at the same rate. So if they're saying that one is almost double the other, the margin of error here could be very large.


Stripe Atlas helps with this. They form US companies for foreign solo entrepreneurs and get them US bank accounts. Another thing to remember with banks though, it doesn't matter what the compliance documents say, money talks. So your troubles will more likely stem from the amount of money you need to put in banks, more so than what the rules are.


Registering it as an LLC turns it into a business, and will have to be maintained regardless of whether you do any actual business with it or not. Strictly speaking, it also doesn't necessarily grant you any specific protections against the use of the name. Small business names are notoriously hard to protect when they are active. If you aren't actually using it, a judge is more likely to not rule in your favor. A regular Trademark isn't what you're looking for either. That is more for business product line names and similar.  What you're looking for is a Registered Trademark (®), which is a federal legal designation disallowing other businesses from using your name or business branding. See [this article](http://smallbusiness.chron.com/differences-between-copyright-trademark-registration-780.html) for more information.


Yep. I had been struggling for years with wearing out the elbows of my dress shirts. It turned out the real issue is I have long arms, which was causing the elbows to pull too tight. So now I order my shirts online, with an extra inch in the sleeves. It's a size I've never seen in a store, even though it's only an inch difference. Now my shirts last three times as long, and cost less.


Done.  www.csmonitor.com/Commentary/Opinion/2013/0319/A-lesson-from-Iraq-war-How-to-outsource-war-to-private-contractors  Ten years after it began, the Iraq war might best be remembered as America’s most privatized military engagement to date, with contractors hired by the Pentagon actually outnumbering troops on the ground at various points.


I think our burgers are great. Easily competes with 5 Guys. Problem is our fries suck. Get a baked potato instead. Better for you anyway.   Old classics, Bourbon St. Steak, Bourbon St. Chicken & Shrimp, Fiesta Lime Chicken, Oriental Chicken Salad.   And lastly, stop ordering Boneless Wings. They're NOT WINGS. They're popcorn chicken tossed in sauce. Biggest scam ever.


Honestly, I’m not sure I understand your point. The figures suggest to me that the business invests (higher capex and amortisation) and grows it’s revenues and cash flow.  D&A can be higher than new capex for a number of reasons including accelerated amortisation for tax purposes.  Why is D&A contribution (actually i prefer to separate the concepts of P&L and cash flow) to operating cash flow a problem or why does it evidence manipulation?


If you're able to pop this data into excel you can quickly calculate the solution. Every one of these problems boils down to 'Interest Rate', 'Term', 'Payment', 'Present Value', and 'Future Value' (FV will typically be zero). Excel has a formula to calculate any of these components based off of the other inputs.   In this case, the given information is: Interest Rate: 7.56%  Term: 36 Months Monthly PMT: $350 Present Value: ?   You can use the =PV() formula and input the other known values. One caveat is that you'll need to adjust the interest rate to account for the monthly compounding. So, the formula would be =PV(.0063,36,-350). This gives a result of $11,242, which is the amount you'd be able to borrow. [All of these can also be solved on the TI-84+, but I don't have my old calculator on me to walk through the steps]  To calculate the total interest paid, you would then find out how much you'll be paying over the life of the loan. If your monthly payment is $350 for 36 months, the total amount you'd pay is $12,600 ($350*36). Subtract the $11,242 calculated in step one, and you are left with $1,358 worth of interest.   Hope that makes sense. Let me know if you want me to go over any of the steps in more detail. As a former finance student, I would highly recommend locking down the TVM functions, as they will pop up quite often throughout your schooling/career.   Best of luck!


Royalty trusts track oil prices (they're a pure play on ownership of a portfolio of mineral rights and do not otherwise have the operations that the oil companies themselves have).  Many publicly traded ones listed at the embedded wikipedia link.   Oil tankers are having a bang up business right now as described in the article, but that's because of the low prices and flood of product from the middle east.  The article notes that inventories are near capacity, so terminals and pipelines may be in for a few good years, though these do not directly track oil price.  However, as a way to bet on oil or oil services, many terminals and pipelines are organized as publicly traded master limited partnerships or MLPs, often spun out of a major oil company for tax reasons, allowing fine-grained investment in specific assets.


I feel like everyday the CEO's are making more. The parties are corrupt. Education is overpriced. Unions are too weak. And unemployment is too high.   I could not agree more!  But that's where it stops, everybody complains and says something. Words words and words. Your words don't create employment, they don't cut CEO pay, they don't reduce the costs of education, or push the corrupt out of government.  It's not because you have done nothing. But we must stay away from blanket terms. What companies are shipping jobs offshore? Who makes the decision?  Yes the government is corrupt, but who in government? Who decides the price of education? Who is better off from the higher prices?  What CEO's take home alot of pay and give no value back? who specifically is responsible for the writing and overall agenda at Fox? What companies don't allow people to unionize? What unions are corrupt?   Point the finger at specific people so that wean take them down! The government, economy, economy, rich, poor. These are not specific enough. You cannot rally for action behind these blanket terms.  You can only bitch and moan about them.  Redditors! Make a change, attack corruption, unfairness, ignorance, and lies directly. Behind everyone of these things is a person. And those people should be blamed!


My best answer is to simply fish out that old email account. DumbCoder makes a good point - the company whose shares you own can probably figure out what brokerage firm is holding the shares, but it'd take a lot on their end. Honestly you're better off just hitting up random brokerage firms until you find the right one than going to the company and asking them where your shares are. Good luck.


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Yes there is regulation in place see here Quote from the page Instant-access savings accounts   As with current accounts, if a bank is to reduce the interest rate on an instant-access savings account it generally has to give two months’ notice. Other savings accounts   To change the interest rate on other savings   accounts, such as those with a notice period and cash ISAs, a bank   should give you reasonable notice that it intends to make a ‘material   reduction’. A reduction is consider to be ‘material’ if you have £500 or more in   your account and the interest rate falls by more than 0.25% at one   time or by 0.5% or more over 12 months. This should give you enough time to move your money to another   account, without penalty, if you are not happy with the reduced rate.


"Probably not, though there are a few things to be said for understanding what you are doing here.  Primerica acts as an independent financial services firm and thus has various partners that specialize in various financial instruments and thus there may exist other firms that Primerica doesn't use that could offer better products.  Now, how much do you want to value your time as it could take more than a few months to go through every possible insurance firm and broker to see what rate you could get for the specific insurance you want.  There is also the question of what constitutes best here.  Is it paying the minimal premiums before getting a payout?  That would be my interpretation though this requires some amazing guesswork to know when to start paying a policy to pay out so quickly that the insurance company takes a major loss on the policy. Similarly, there are thousands of mutual funds out there and it is incredibly difficult to determine which ones would be best for your situation.  How much risk do you want to take?  How often do you plan to add to it?  What kind of accounts are you using for these investments, e.g. IRAs or just regular taxable accounts?  Do tax implications of the investments matter? Thus, I'd likely want to suggest you consider this question: How much trust do you have that this company will work well for you in handling the duty of managing your investments and insurance needs?  If you trust them, then buy what they suggest.  If you don't, then buy somewhere else but be careful about what kind of price are you prepared to pay to find the mythical ""best"" as those usually only become clear in hindsight. When it comes to trusting a company in case, there are more than a few factors I'd likely use: Questions - How well do they answer your questions or concerns from your perspective?  Do you feel that these are being treated with respect or do you get the feeling they want to say, ""What the heck are you thinking for asking that?"" in a kind of conceited perspective. Structure of meeting - Do you like to have an agenda and things all planned out or are you more of the spontaneous, ""We'll figure it out"" kind of person?  This is about how well do they know you and set things up to suit you well. Tone of talk - Do you feel valued in having these conversations and working through various exercises with the representative?  This is kind of like 1 though it would include requests they have for you. Employee turnover - How long has this person been with Primerica?  Do they generally lose people frequently?  Are you OK with your file being passed around like a hot potato?  Not that it necessarily will but just consider the possibility here. Reputation can be a factor though I'd not really use it much as some people can find those bad apples that aren't there anymore and so it isn't an issue now.  In some ways you are interviewing them as much as they are interviewing you.  There are more than a few companies that want to get a piece of what you'll invest, buy, and use when it comes to financial products so it may be a good idea to shop around a little."


My thoughts are that if you've seen considerable growth and the profit amassed would be one that makes sense, you would have to seriously consider selling NOW because it could take yeoman's time to mimic that profit in the next 10 quarters or so.  To analogize; If you bought a house for 100k and we're renting it for say 1,000/month and we're making $ 250/month profit and could sell it now for 125k, it would take you 100 months to recoup that $25k profit (or 8 years 4 months). Doesn't it make sense to sell now? You would have that profit NOW and could invest it somewhere else without losing that period of time, and TIME is the emphasis here.


"Yeah it is actually. Another, one of the more out there concepts is Jo and Joe.    The trend is sort of restructuring what we typically think of as traditional luxury services because younger travelers don't care so much about them, for example a bell boy.  Millennials travelers instead are looking for ""unmanufactured"" experiences, using airBNB, looking to be more immersed where they are traveling and traditional luxury hotel are beginning to feel to sterile. So millennial hotels are trying to manufacture spaces for unmanufactured experiences. Big common areas, where you can leave your stuff in the room, go down to the lobby, and drink at the bar that takes up 5x more lobby space than the front desk."


Same - fields like accounting and law, where you have to track your hours and be productive in the time you actually bill clients for, are much more intense than people realize. I wish I had an office job where I could just twiddle my thumbs half the time and pretend to work.


As far as I can see, it misses the most important point (from the perspective of a private person), for most derivatives: It's marketing.  There are a bunch of derivatives out there which are ONLY traded by (and actively marketed to) retail investors, no instutional investors or companies. They are complex and, in terms of the combination of risk and reward, inferior to plain-vanilla classic derivatives, which gives the bank a better margin...


>That's only one of an array of factors.  yes, that's why I said that number *alone* is not indicative. Listing it as you did makes it sound like that ratio has some magical importance, but it does not. Granted lower might be better, but the current rate is not without precedent and has been followed by good economic times.


From what I understand, Japan has a great consumer goods industry and a sealed off food industry (they do not import rice and I seriously doubt anyone can supply seafood in their domestic market cheaper than they can) so it could be that they don't even really need to import that much at all. At the end of the day, that stockpiled wealth is still wealth we don't have that the Japanese people can rely upon  I'm not talking about a voluntary financial constraint like the arbitrary 90% debt:gdp policy! I'm saying let's actually figure out a method for determining our constraints scientifically in real time, and adapt our policy accordingly!


Of course you can accept gold as payment.  Would anyone pay in gold? Would it have tax consequences on your federal taxes? These additional questions are off-topic on this site about personal finance.


She's directly responsible for the several security breaches Yahoo had under her tenure, which there are probably lawsuits about. Those alone cost stockholders a good amount of value off the company, and Mayer had to give up a % of her compensation as a result.


There's an economic reason you don't want to tax income differently than capital gains.  Capital gains are created by taking risk, and encouraging risk is encouraging entrepreneurial spirit, which as a country you want to inncentivize.  However, after a certain amount of money is made via capital gains the rate should approach income, but never equal it.