__________ _________ ____________ Therefore, I get the outcome I want.   The human brain must think: it can't stop.  If you don't believe me, try meditating.    The mental process of putting stuff in those blanks is called rationalization.  This is a bored mind who wants something.  If that mind is not particularly well disciplined, those things will get pretty unrealistic.   That is what has happened to your friend.  Landlords do not like drama.  They do like money.  Generally a landlord will be happy to take your money any reasonable way that they can achieve.  It sounds like either your landlord lost the ability to do credit cards, or he got sick of paying the 3% overhead, or some other overhead costs that may be higher because he does not have the right credit card merchant service.  For instance PayPal Here charges 2.70% flat, but a traditional swiper can cost up to $2000 a year in trumped up fees and charges.   As soon as the landlord calls the rent a debt, he has to take cash.  But in most places, rental is at-will, and the landlord can evict for any reason or no reason at all (except race, creed, color, national origin, family, running a daycare center and a few other protected reasons)...  and there's not a whole lot you can do about it.  Even for a lease he can trump up a reason.  Your friend would be wise to have a meeting of the minds with the landlord about how he'd like to pay.  Business is done by mutual consent, not non-consensual legal tricks.  I agree, I wouldn't do ACH either.   One problem with ACH (or credit) is the landlord can charge anything he pleases, and that's when they start sneaking in devious surcharges for things.  Once he's pulled the money out, you're really at a disadvantage to argue, since he already has the money. And it's really difficult to do a chargeback on part of a payment, so you end up having to chargeback the entire rent check, and now he can evict you.


"There's a market for single stock futures.  The market (however small) is OneChicago, ""an Equity Finance Exchange offering security futures products.""  I don't know how easy access is for retail investors."


Consider that however high your credit score gets, there is a 'worst piece of it'. The automated software will always report your 'weakest' two points, even if they are already at the top 0.0001% of everyone; that's just how it is coded.


Don't take the car back! The dealership wants you to take it back to try and earn more money. Simply stated, the dealerships hate paid up front cash deals. They make money on the financing. So to call back and try to up their fee is them realizing their not making a large enough profit. Say thank you and move on. The deal is done!!


"The way I approach ""afford to lose"", is that you need to sit down and figure out the amount of money you need at different stages of your life. I can look at my current expenses and figure out what I will always roughly be paying - bills, groceries, rent/mortgage.  I can figure out when I want to retire and how much I want to live on - I generally group 401k and other retirement separately to what I want to invest. With these numbers I can figure out how much I need to save to achieve this goal. Maybe you want to purchase a house in 5 years - figure out the rough down payment and include that in your savings plan. Continue for all capital purchases that you can think you would aim for. Subtract your income from this and you have the amount of money you have greater discretion over. Subtracting current liabilities (4th of July holiday... christmas presents) and you have the amount you could ""afford to lose"". As to the asset allocation you should look at, as others have mentioned that the younger you the greater your opportunity is to recoup losses. Personally I would disagree - you should have some plan for the investment and use that goal to drive your diversification."


"To other users save yourselves time, do not test any of the alternatives mentioned in this post. I have, to no avail. At the moment (nov/2013) Saxobank unfortunately seems to be the only broker who offers OTC (over-the counter) FX options trading to Retail Investors. In other words, it is the only alternative for those who are interested in trading non-exchange options (ie, only alternative to those interested in trading FX options with any date or strike, rather than only one date per month and strikes every 50 pips only). I say ""unfortunately"" because competition is good, Saxo options spreads are a rip off, and their platform extremely clunky. But it is what it is."


Generally speaking the lower credit score trumps.  In the case you cite, the lower credit score will prevail.  However, you may need to do exactly that in order to qualify for the loan income wise.   There are two factors when obtaining a mortgage, really all loans, but more so with a mortgage:  the likeliness to repay (credit score),  and your ability to service the debt.  This last one is a combination of income and debt-to-income ratio. If you don't have enough income to qualify for the loan or fail to meet the debt to income ration, you may have to use your GF's income to qualify despite her poor credit. You might want to see past posts about buying property with non-spouses.  It could work, but generally it requires a lot of legal work before closing on the deal.  Avoiding this will lead to tales of woe.


I bought my first car on eBay. I took a bus to go pick it up two states away with a cashier's check. I was in college and had enough money with me to buy a couple table of gas and a couple cheap meals, but not enough for a bus ride home. The guy selling the car showed up at the bus station and gave me the keys. The car was in excellent shape.  As you can imagine, this was around 2002 or so. Can you imagine trying that now?  Oh, Amazon was actually founded before eBay. They were just a bookstore, of course.


Are you sure the payment has actually posted and isn't sitting in a pre-auth status?  If it is, it'll fall off in a few days and they're probably telling the truth. If not, and it has fully posted to your account, I agree with the others.  It's very appropriate to initiate a chargeback.  You can provide documentation showing they confirmed a cancellation, further, you can show proof that they had no intent of charging you. Good luck!


Fair enough, but the MSF program is still quant heavy. Probably not to the same degree, but I would imagine it would challenge you in some ways, particularly if you got into a top tier institution (i.e. Princeton or MIT).


"I think it's a silly statement. If you are prepared from the start that you might lose it then you shouldn't invest. You invest to earn not to lose. Most often losses are a result of fear.  Remember you only lose when you sell lower than you bought for.  So if you have the patience you will probably regain. I ask my clients many times how much do they want to earn and they all say ""as much as possible"". Last time I checked, that's not an objective and therefore a strategy can't be built for that.  If there is  a strategy then exiting a stock is easy,  without a strategy you never know when to exit and then you are exposed to  bottomless losses. I've successfully traded for many years with large amounts of money. I made money in the FC and in the bubble, both times it wasn't because I was prepared to lose but because I had an entry and exit strategy. If you have both the idea of investing what u are prepared to lose has little value."


Car rental chains are so dependent on location/airport... I could tell you that I prefer Budget, cheap, easy to deal with, great cars, etc., but someone could reply to me and tell me Budget murdered their dog.  But with that said, I do prefer Budget in most areas... even if my first car choice isn't available, they have other great options:  1. Mustang convertible 2. Mustang 3. Charger RT 4. Camaro  Those are my preferences with them (in order).  Be warned though if you've never been in a Camaro... a Mustang feels like a fucking Suburban compared to a Camaro.


"My solution when I lived in Singapore was to open an account with HSBC, who at the time also had branches in the US. When I was home, I used the same debit card, and the bank only charged a nominal currency exchange fee (since it never had to leave their system, it was lower than had it left their system). Another option, though slightly more costly, is to use Paypal. A third option is to cash-out in CAD and convert to USD at a ""large"" institution - the larger your deposit/conversion balance, the better the rate you can get. To the best of my knowledge, this shouldn't be taxable - presuming you've paid the taxes on it to start with, and you've been filing your IRS returns every year you've been in Canada."


Couple of points about being a consultant in the US: It sounds like the rules for what you can deduct may be more lax in Italy.  For example, you can deduct a certain percentage of your home for work but the rules are relatively strict on your use of that space and how much is deductible.  Also things like clothes, restaurants, phones, car use, etc must follow IRS guidelines to be deductible.  This often means they are used exclusively for work and are required for work.  A meal you eat by yourself is not generally deductible, for example.  Any expense you would have had anyway if you were not working is generally not deductible. A contractor in the US can organize in various ways, including sole proprietorship, an S-corp, and a C-corp.  Each has different tax and regulatory implications.  In the simple case of a sole proprietorship, one must pay not only regular income tax but also self-employment tax, which is the part of social security and medicare tax normally paid for by one's employer.  Estimated taxes must be paid to the government quarterly and then the actual amount due synced up at the end of the year (with the government sending you the difference or vice versa). Generally speaking contractors may set aside more money pre-tax for retirement and have better investment options.  This is because solo 401(k) retirement accounts are cost-effective and flexible and the contractor can set aside the full $18K pre-tax as well as having the company contribute generously (pre-tax) to the retirement account.  Contractors can also easily employ spouses and set aside even more. The details of how frequently you are paid as a contractor and how much notice (if any) the company must give you before terminating your relationship are negotiated between you and the company and are generally pretty flexible.  You could get paid your whole year salary in a lump sum if you wanted.  The company that is paying you will not normally give you any benefits whatsoever...in this way it is the same situation as it is in Italy. By the way the three points you mention in your edit are definitely not true in the US.


Million Dollar Marketing Machine is a top tier business venture that offers the new business owner the opportunity to make large sums of money earning money in sums greater than $500 per transaction.  The financial transactions can be as high as $12,000.  Each business owner collects their own money and they have the opportunity to have their own websites set up by the company of Million Dollar Marketing Machine.  Previously known as Million Dollar Marketing Formula.  Affiliation to the Pizza Box Business.


In onze webshop ziet u meerdere haardhout soorten, waardoor het best lastig kan zijn om een goede keuze te maken. Er wordt met name onderscheid gemaakt in de zachtere en hardere stookhout soorten. De zachtre soorten kenmerken zich doordat ze lichter van gewicht zijn en daardoor makkelijker en wat sneller branden. De hardere soorten zijn zwaarder en branden wat trager.


You can't max out your retirement savings. There are vehicles that aren't tax-advantaged that you can fund after you've exhausted the tax-advantaged ones.  Consider how much you want to put into these vehicles.  There are disadvantages as well as advantages.  The rules on these can change at any time and can make it harder for you to get your money out. How's your liquid (cash) emergency fund?  It sounds like you're in a position to amass a good one.  Don't miss this opportunity. Save like crazy while you can.  Kids make this harder. Paying down your mortgage will save you interest, of course, but make sure you're not cash-poor as a result.  If something happens to your income(s), the bank will still foreclose on you even if you only owe $15,000.  A cash cushion buys you time.


"You gotta stop using that ""overhears"" argument. It's ridiculous. First of all it doesn't work like that because most trades get filled internally or through dark pools and secondly the HFT is taking risk for that 2 cents. Also, they don't hold it, they gotta offload it, so the price will go back down. Finally, this only affects people making huge orders and this is pennies to them. This is not a free lunch for HFT since those 2 cents have risks associated.  Think of it another way: some HFT dudes have some programs that run really fast, and they make some minuscule amounts of money; think maybe a few k a day. But, they do do something useful: they let you enter/exit positions at a better price by reducing spreads."


ITT: people souped about bankers losing jobs  In the article: back-office workers are projected as the majority job loss takers- so that is corporate finance, operations people.   These kinds of jobs are through the corporate world, and a frequent employer of many college grads


Depends on the type of documents, if they are just sales flyers you can email/post on website etc.  IF they are medial records or some other sensitive information you need to have something with access controls encryption and logging/auditing capabilities... Some places use sharepoint or just have a shared drive where the docs are stored.


There is also much stricter immigration control in Scandinavia and you are not directly next to half a hemisphere of poor workers willing to enter illegally to take lower wages. Being culturally and ethnically homogenous, and having the political will to enforce strict immigration control help greatly here.


The biggest risk is Credit Utilization rate.  If you have a total of $10,000 in revolving credit (ie: credit card line) and you ever have more than 50% (or 33% to be conservative) on the card at any time then your credit score will be negatively impacted. This will be a negative impact even if you charge it on day one and pay it off in full on day 2.  Doesn't make much sense but credit companies are playing the averages:  on average they find that people who get close to maxing their credit limit are in some sort of financial trouble. You're better off to make small purchases each month, under $100, and pay them off right away.  That will build a better credit history - and score.


I mean there is always the possibility that occurs, but I think it is extremely unlikely. The network effect is extremely important in technology and even more so with money given liquidity. Bitcoin is the protocol (TCP/IP). Many of the blockchains that people are referencing are just another form of a database and they are not permisonless. It is the equivalent of the Internet versus an intranet.


Yep you could do this if you lived in a certain area (small town, midwest, etc) and had a decent job. You couldn't pull this off in any of the major employing cities that everyone moves to like Seattle, D.C; L.A; etc.


Yes, Paypal has such a button you can use, but to be clear, the money you receive is taxable income. Your website is providing 'value' to the readers, and while they may feel they are making a gift to you, it's earned income as far as the IRS is concerned.  (This assumes you are in the US, you may wish to add a tag to indicate your country)


You need to know that the loan will cost you additional money every month. You need to know how you are going to pay that overhead in addition to what you're already paying. The best answer is to reduce your spending to build up a reserve you feel comfortable with, and then NOT spend that reserve except in emergencies. If you need a short-term answer, I'd suggest borrowing from relatives. Failing that, I'd suggest talking to a bank about establishing a line of credit but NOT drawing upon it until and unless you have Absolutely No Other Choice. That gives you a preapproved option when you need it at (usually) a much, much better rate than credit cards... without costing you anything until and unless you actually do need the money, and (if you don't have it set up to kick in automatically on overdrafts) without making it so easy to get to that you're tempted to use it before you must.


>I'm gonna go ahead and drop this, because obviously your preference is for nobody to show up and lend a hand to anyone, as nobody is benevolent.   That is a ridiculous statement. I have no idea how you come to this conclusion. You make the assumption that because I don't approve of theft, that means I want no one to help anyone. That's insane! But not surprising from someone who makes a living from that theft.


"So a guy that went to a shitty college moved to an $800 plus per month apartment in Manhattan to be an actor and applied for low skill jobs near minimum wage. That's the shittiest plan I've ever heard.  “When I first walked into Express, I said, ‘Oh my God, this place is awesome and there’s music and it looks like a happening place"".  Anyone want to claim that he's not an idiot?"


"Or not have done it within public memory of the BOA fees and GoDaddy.  I still am not seeing the ""big idea"" with auto bill pay...do they want unrestricted access to people's bank accounts?  Bill first, ask questions later?"


>Coal is already dead because of natural gas       I don't believe you.     >The usa sits on 28% of total global coal reserves. 260 billion short tons of recoverable coal reserves.    >Despite significant U.S. coal production since the industrial revolution, recoverable domestic coal reserves at current mining levels would last 222 years.     >https://www.eia.gov/todayinenergy/detail.php?id=2930


By placing the property in her name, her share of it would also be considered an asset of hers should she ever be sued. If she gets married and later divorced, depending on if Michigan is a community property state or not (and a lot of other things), her ex might get 50% of her stake in the property.


"There's a huge difference between ""can an anverage person make a profit on the stock market"" and ""can an average person get rich off the stock market"". It is certainly possible for an average person to profit, but of course you are unlikely to profit as much as the big Wall Street guys.  An S&P 500 index fund, for instance, would be a pretty good way to profit.  People with high-powered tools may make a lot of money picking individual stocks, and may even make some choices that help them when the market is down, but it's difficult to see how they could consistently make money over the long term without the S&P 500 also going up.  The same applies, to varying extents, to various other index funds, ETFs, and mutual funds. I agree with littleadv that there is no single ""right"" thing for everyone to do.  My personal take is that index funds are a good bet, and I've seen a lot of people take that view on personal finance blogs, etc. (for whatever that's worth).  One advantage of index funds that track major indexes (like the S&P 500) is that because they are and are perceived as macro-indicators of the overall economic situation, at least you're in the same boat as many other people.  On one level, that means that if you lose money a lot of other investors are also losing money, and when large numbers of people start losing money, that makes governments take action, etc., to turn things around.  On another level, the S&P 500 is a lot of big companies; if it goes down, some of those big companies are losing value, and they will use their big-company resources to gain value, and if they succeed, the index goes up again and you benefit. In other words, index funds (and large mutual funds, ETFs, etc.) make investing less about what day-trading wonks focus on, which is trying to make a ""hot choice"" for a large gain.  They make it more about hitching your wagon to an extremely large star that is powered by all the resources of extremely large companies, so that when those companies increase their value, you gain.  The bigger the pool of people whose fortunes rise and fall with your own, the more you become part of an investment portfolio that is (I can't resist saying it) ""too big to fail"".  That isn't to say that the S&P 500 can't lose value from time to time, but rather that if it does go down big and hard and stay there, you probably have bigger problems than losing money in the stock market (e.g., the US economy is collapsing and you should begin stockpiling bullets and canned food)."


The answer in theory is yes. The answer in reality is no. Let me explain: Combine all of these lists and perhaps you could get a complete record.


Government purchases of mortgages simply transfers the debt burden from households to the sovereign. Taxes pay sovereign debt (65% of whom are homeowners anyway). No debt has been restructured -- it's now paid via taxes instead of monthly mortgage payments -- and those paying include persons who responsibly avoided housing speculation. The U.S. has a debt-to-GDP ratio just shy of the critical point of 90%. Purchasing $10 trillion in mortgage debt (about a year of GDP) would put the U.S. on an inexorable path towards insolvency and inflation. There are all sorts of other risks (loss of a risk-free asset, moral hazard, nationalization of the housing industry, etc.) but this should make the point clear that it's not a good idea. There are only three ways to reduce debt: 1) default, 2) restructure, or 3) lower the real debt burden by de-valuing currency in which the debt is denominated.


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I had read a book about finance, and it had mentioned that you can gain big profits from investing in the best companies in the most boring markets, like the funeral business for example. These markets are slow growing, but the companies pay a good dividend. Many books recommend investing in dividends because of the compound growth and stable income. Remember that at the end of the day, you should put the same amount of research into buying a stock as you would buying the entire company. With that being said, you may find a great company that may or may not offer dividends, but it should not be of great significance since you feel you are buying into a great company at a fair price. Though dividend growth is a great tool to use to see if a company is doing well.


"This information is clearly ""material"" (large impact) and ""non-public"" according to the statement of the problem.  Also, decisions like United States v. Carpenter make it clear that you do not need to be a member of the company to do illegal insider trading on its stock. Importantly though, stackexchange is not a place for legal advice and this answer should not be construed as such.  Legal/compliance at Company A would be a good place to start asking questions."


"I'm assuming you directed that question to me. I don't disagree with your question regarding a game.  But potentially causing financial ruin is not a game.  If everyone abused these laws our economy would come to a stand still due to a total crisis of confidence.  Using Trump as an example:  [The Baja Condo fiasco](http://en.wikipedia.org/wiki/Trump_Ocean_Resort_Baja_Mexico).  Trump gets paid $500k up front to license his name (nothing wrong with that)  He also gets a percentage of future revenue (nothing wrong with that)  He tells buyers he ""is involved at every capacity"".  This is a lie.  People feel confidant and put down deposits of $200k-$300k.  [$22 MILLION in deposits are lost](http://articles.latimes.com/2012/oct/03/business/la-fi-trump-lawsuit-settlement-20121004) and the project fades away.  All the investors/people get nothing.  Trump made his $500k (possibly a LOT more)claims no responsibility and moves on.  If everyone did this - our markets would freeze up."


Exactly. I love Android and it's hard for me to feel bad about the company that ruins it the most, and the most consistently, having a rough time of it. I know it's probably not because consumers know what stock Android is, but I like to imagine that people are picking up the One X and getting turned off by all crap that HTC has broken in the name of being different.


"Consider this thought experiment: Take 10 million people and give them each $3,000. Every day they each   purchase a random stock with all of their money. The next day they   flip a coin and if it's heads they do nothing, and if it's tails they   sell it and purchase another random stock. Repeat everyday for 5   years. After 5 years, you'll probably have many people that lost all of their money due to the fees they paid for each trade they made. A lot of people will have lost a little or won a little. Some people will have doubled or tripled their money, or even better. A very small number of people will have made ""millions"". Some of those small number of people that made millions will likely go on to write books and sell seminars on how to make money in the stock market."


I'll say this right now.  There is absolutely no way he will go to prison for this.  As a former head of Goldman Sachs and a former governor, he's a very powerful man and has friends in politics and finance.


http://www.socialsecurity.gov/retire2/agereduction.htm As a general rule of thumb on average you'll gain a similar amount of total money over time whether you start withdrawing early or not. Yes you get less money on each check, but you're also going to get more checks a whole since it's based on how long you live.  I personally don't try and adjust how I manage my money based on what decisions the government MIGHT make, but I also am fairly young so don't quite have the heightened concerns regarding social security others might have. I've pretty much always lived and invested assuming it wasn't going to be there at all by the time I retire.


I really don't see where you've done that sufficiently, to be honest. Again, people work together to build great things entirely for non-altruistic reasons. Personal achievement is not an altruistic driver, its exactly the opposite. Its greed.  The fact that one would stick around to fulfill his need for personal achievement is only evidence that this person percieves the future pay out to be high.  What I'm guessing you'd like is a system based on arbitrarily assigned moral brownie points. Am I correct in assuming that?


"Yes, you could buy a stock on the day of its IPO. I'm a college student, and I wonder if I can buy stock from a company   right after it finishes its IPO? Yes, you can. However, unless you are friends or family of an employee, chances are you'll be paying a higher price than you think as there is generally a fair bit of hype on most  IPOs that allows some people to ""flip them"" which means someone is buying at a higher price. If I am not allowed to buy its stocks immediately after they go on   sell, how long do I have to wait? Generally I'd wait until the hype dies down as if you look at most historical IPOs the stock could be bought cheaper later but that's just my perspective. And also who are allowed to buy the stocks at the first minute they   are on sell? Anyone but keep in mind that while an IPO may be priced at $x, the initial trades may be a few times that value and the stock may come down over time. Facebook could be an example to consider of a company that had an IPO at one price and then came down for a little while on its chart over the past couple of years."


In a nutshell...in order to file for Chapter 9 bankruptcy, the city or county first has to actually be insolvent, the state has to give authorization for the city or county to file, and the city or county must have made an attempt to negotiate with creditors (bondholders, pensioners etc). Once those conditions are met, and they must be specifically met, the city or county files the bankruptcy petition and the automatic stay typically goes into effect shortly after. This stay basically allows the municipality to stop making payments on some of their obligations throughout the course of the bankruptcy case. Chapter 9 bankruptcies are usually very protracted, and very expensive. So fast forward a year or two, the creditors that are owed money have all been assigned to different classes by the bankruptcy court, with each class getting a specific recovery based on the type of creditor. The city or county has the sole right to propose a plan of reorganization. Some debts, such as a bond backed specifically by revenues generated by a sales tax, are usually considered special revenues and secured...those bondholders will have first priority on those revenues pledged to them throughout the bankruptcy process and are usually unimpaired. Other creditors, such as general obligation bondholders or employee pension plans, are usually considered unsecured and will not receive their contractually obligated payments during the bankruptcy process, and will likely have to take a haircut on the principal amount they are owed by the city or county. The municipality must be solvent in order to advance the plan of reorganization and exit the bankruptcy process, so quite often employee contracts are adjusted, services will be reduced, pension and OPEB promises to retired workers will be curtailed, and bonded debt is reduced to a manageable level. It's not pretty, and it is very expensive.


I own less than 1BTC, and I think this is a bubble about to burst but it could go either way. After all, a small purchase of bitcoins three years ago paid for my brand new Toyota Sequoia this summer. You never know.


Bitcoins are very liquid.  They can be sold or spent very easily.  And you don't depend on the banks being solvent to keep your Bitcoin funds, since you can keep them yourself in an offline wallet. I'm not sure what's the legality of Bitcoin in Russia, though.


Oh yeah, it's SUCH a pain in the ass. /s  People just want things to be done for them. It took me all of 10 minutes to set up a new USAA checking/savings account last week, and another 10 online with a BofA rep to close down my account.


Google Adwords, they really push local.  Set up a simple Wordpress blog and set up calls as conversions.  It should get you customers for just a few bucks per click.    Word of warning, Adwords can be costly if you don't know what you are doing.  Message me if you wanna know more.


Try ThinkOrSwim by TDAmeritrade. It allows you to paper trade with a powerful trading platform. There's also a mobile app so you can trade on the go. Good luck!


maybe everyone who has responded needs to look closer at the income base repayment plan for student loans. What this means is he payment does not even cover his interest rate so each month he makes his payment the loan grows, does not decrease. This is not a simple interest loan which is irritating because car dealerships do not even use a non-simple interest loan any longer. So, well your suggestions are well intended what is your suggestion now knowing that his monthly payments is not reducing his loan but actually his loan is growing exponentially each month. I also like the comment where the average student loan is $30,000, I would like to know in what state that is. That may work for a community college or a student who is reliant on parents to supplement their income so they can go to classes, however for someone who is working and going to school that person must opt out for night classes and online classes which definitely increases the cost of your classes. Right now the cost per credit hour is in the $550- 585 range.


Yes, and there's a good reason they might. (I'm gonna use equity options for the example; FX options are my thing, but they typically trade European style). The catch is dividends.  Imagine you're long a deep-ITM call on a stock that's about to pay a dividend. If that dividend is larger than the time value remaining on the option, you'd prefer to exercise early - giving you the stock and the dividend payment - rather than hanging on to the time value of the option.  You can get a similar situation in FX options when you're long a deep-ITM American call on a positive-carry currency (say AUDJPY); you might find yourself so deep in the money, with so little time value left on the option, that you'd rather exercise the option and give up the remaining time value in return for the additional carry from getting the spot position early.


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"The government forced JPM to buy Bear Stearns (essentially acquire its assets) otherwise the bank's liquidity would have faltered, which would have threatened the entire system (basically Bear Stearns couldn't service its own loans or leverage so it had to be bought otherwise those loans and leverage would appear as a default). Consequently the US government gave them the money to do it and forced them to do so, without regard to what JPM wanted to do. The government, the Treasury and the Fed then proceeded to attack JPM for being ""too big to fail,"" something that the government literally forced it to become. I'm not a banking apologist or a crazy libertarian (I would vote democrat if I lived in the US) but this is NOT accurate. The purchase of Bear Stearns was forced. It would've made more sense for JPM to just let Bear Stearns fail.  Following your analogy, it's actually more like you already having a million dollar house, while the government forces you to take money to purchase the derelict house across the street, while leaving you with the bill for amalgamating your properties into one huge estate. Then, the government tells you your property is too big, that you are a threat to the neighbourhood and have to subdivide all over again."


"Let me see if I can restate your question: are speculative investments more volatile (subject to greater spikes and drops in pricing) than are more long-term investments which are defined by the predictability of their dividend returns? The short answer is: yes.  However, where it gets complicated is in deciding whether something is a speculative investment. Take your example of housing.  People who buy a house as an investment either choose to rent it out (so receive ""rent"" as ""dividend"") or live in it (foregoing dividends).  Either way, the scale of the investment is large and this is often the only direct investment that people manage themselves.  For this reason houses are bound up in the sentimental value people attach to a home, the difficulty of uprooting and moving elsewhere in search of cheaper housing or better employment, or the sunk cost of debt that can't be recovered by a fire-sale.  Such inertia can lead to sudden sell-offs as critical inflection points are reached (such as hoped-for economic improvements fail to materialise and cash needs become critical). At different levels that is true of just about every investment. Driving price-volatility is the ease of sale and the trade-offs involved.  A share that offers regular and dependable dividends, even if its absolute value falls, is going to be hung on to more frequently than those shares that suffer a similar decline but only offer a capital gain.  For the latter, the race is on to sell before the drop neutralises any remaining capital gain the investor may have experienced. A house with a good tenant or a share with stable dividends will be kept in preference for the quick cash-return of selling an asset that offers no such ongoing returns. This would result, visually, in more eratic curves for ""speculative"" shares while more stable shares are characterised by periods of stability interspersed with moments of mania. But I have to take your query further, since you provide graphical evidence to support your thesis.  Your charts combine varying time-scales, different sample rates and different scales (one of which is even a log scale).  It becomes impossible to draw any sort of meaningful micro-comparison unless they're all presented using exactly the same criteria."


Yes, work ethic is the key element.   I too hate to be negative but they have taken me on a couple run-a-rounds that were not pleasant.   The key is to micro-manage in an open room in cross-functional teams. The right hand feeds the left. Treating them like Americans works w/o raising salary by taking them to strip clubs or other entertainment that stimulates. But it's not easy.


"I agree with Grade 'Eh' Bacon's answer, but there are a couple of ideas that are relevant to your particular situation: If I were you, I would invest at least half of the cash in growth ETFs because you're young enough that market variability doesn't affect you and long term growth is important. The rest should be invested in safer investments (value and dividend ETFs, bonds, cash) so that you have something to live off in the near term. You said you wanted to invest ethically.  The keyword to search is ""socially responsible ETFs"".  There are many, and if this is important to you, you'll have to read their prospectus to find one that matches your ethics. Since you're American, the way I understand it, you need to file taxes on income; selling stocks at a gain is income.  You want to make sure that as your stocks appreciate, you sell some every year and immediately rebuy them so that you pay a small tax bill every year rather than one huge tax bill 20 years from now.  Claiming about $20600 of capital gains every year would be tax free assuming you are not earning any other money.  I would claim a bit more in years where you make a lot. You can mitigate your long term capital gains tax exposure by opening a Roth IRA and maxing that out.  Capital gains in the Roth IRA are not taxable.  Even if you don't have income from working, you can have some income if you invest in stocks that pay dividends, which would allow you to contribute to a Roth IRA. You should figure where you're going to be living because you will want to minimize the currency risk of having your money in USD while you're living abroad.  If the exchange rate were to change by a lot, you might find yourself a lot poorer.  There are various hedging strategies, but the easiest one is to invest some of your money in securities of the country you'll be living in. You should look into how you'll be converting money into the foreign currency.  There are sometimes way of minimizing the spread when converting large amounts of money, e.g., Norbert's gambit.  Shaving off 1.5% when exchanging $100k saves $1500."


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"I use TIAA-Cref for my 403(b) and Fidelity for my solo 401(k) and IRAs.  I have previously used Vanguard and have also used other discount brokers for my IRA. All of these companies will charge you nothing for an IRA, so there's really no point in comparing cost in that respect.  They are all the ""cheapest"" in this respect. Each one will allow you to purchase their mutual funds and those of their partners for free.  They will charge you some kind of fee to invest in mutual funds of their competitors (like $35 or something).  So the real question is this: which of these institutions offers the best mutual and index funds.  While they are not the worst out there, you will find that TIAA-Cref are dominated by both Vanguard and Fidelity.  The latter two offer far more and larger funds and their funds will always have lower expense ratios than their TIAA-Cref equivalent.  If I could take my money out of TIAA-Cref and put it in Fidelity, I'd do so right now. BTW, you may or may not want to buy individual stocks or ETFs in your account.  Vanguard will let you trade their ETFs for free, and they have lots.  For other ETFs and stocks you will pay $7 or so (depends on your account size).  Fidelity will give you free trades in the many iShares ETFs and charge you $5 for other trades.  TIAA-Cref will not give you any free ETFs and will charge you $8 per trade. Each of these will give you investment advice for free, but that's about what it's worth as well.  The quality of the advice will depend on who picks up the phone, not which institution you use.  I would not make a decision based on this."


Looking at your dates, I think I see a pattern.  It appears that your statement closing date is always 17 business days before the last business day of the month.  For example, if you start at May 31 and start counting backwards, skipping Saturdays, Sundays, and May 30 (Memorial Day), you'll see that May 5 is 17 business days before May 31.  I cannot explain why Bank of America would do this.  If you ask them, let us know what they say. If it bothers you, find another bank.  I do most of my banking (checking, savings, etc.) with a local credit union. Their statements end on the last day of the month, every month without fail. (Very nice, in my opinion.) I have two credit cards with nationally known banks, and although those statements end in the middle of the month, they are consistently on the same date every month. (One of them is on the 13th; the other date I can't recall right now.) You are right, a computer does the work, and your statement date should be able to fall on a weekend without trouble. Even when these were assembled by hand, the statement date could still be on a weekend, and they just wouldn't write it up until the following Monday.  You should be able to find another bank or credit union that does this.


"First off, you generally want to park your emergency fund somewhere that is ""safe"", meaning something that is not subject to market fluctuations.  Your emergency fund is something you need to be able to count on when times are tough!  That rules out things like stock market investments. Secondly, you need to think about how quickly you will need access to the money.  If you have an emergency, odds are you don't want to be waiting around for weeks/months/years for the money to become available.  This rules out most fixed-term investments (Bonds, traditional CDs, etc). If you are concerned that you will need near-instant access to your emergency money, then you probably want to keep it in a Savings or Money Market Account at the same bank as your checking account.  Most banks will let you transfer money between local accounts instantly. Unfortunately, your local bank probably has pitiful interest rates for the Savings/MMA, far below the inflation rate.  This means your money will slowly lose value over time.  Be prepared to keep contributing to it! For most people, being able to draw the cash from your fund within a few days (<1 week) is sufficient.  Worst case, you charge something on your credit card, and then pay down the card when the emergency fund withdrawal arrives. If ""money within a few days"" is okay for you, there are a few options: Money Market (Mutual) Funds (not to be confused with a Money Market Account) - This is the traditional place to keep an emergency fund.  These are investment funds you can buy with a brokerage account.  An example of such a fund would be Fidelity Cash Reserves.  MMFs are not FDIC insured, so they are not exactly zero risk.  However, they are considered extremely safe.  They almost never go down in value (only a few times in the past few decades), and when they have, the fund manager or the Federal Govt stepped in to restore the value.  They usually offer slightly better return than a local savings account, and are available in taxable and non-taxable varieties. Online High-Yield Savings or Money Market Account - These are a relatively new invention.  It's basically a the same thing as what your local bank offers, but it's online-only.  No local branch means low overhead, so they offer higher interest rates (2.0% vs 0.5% for your local bank).  Some of them used to be over 5% before the economy tanked.  Like your local bank, it is FDIC insured. One bit of caution:  Some of these accounts have become ""gimmicky"" lately.  They have started to do things like promo rates for a few months, only offering the high interest rate on the first few $K deposited, limiting the amount that can be withdrawn, etc.  Be sure to read the details before you open an account! No-Penalty CDs - Certificates of Deposit usually offer a better rate than a Savings Account, but your money is locked up until the CD term is up (e.g. 36 months).  If you need to cash out before then, you pay a penalty.  Some banks have begun to offer CDs that you can cash out with no penalty at all.  These can offer better rates than the savings account.  Make sure it really is no-penalty though.  Also watch what your options are for slowly adding money over time.  This can be an issue if you want to deposit $100 from every paycheck. Rewards Checking Accounts - These are checking accounts that will pay a relatively high interest rate (3% or more) provided you generate enough activity.  Most of them will have requirements like you must have direct deposit setup with them, and you must do a minimum number of debit card transactions from the account per month.  If you can stay on top of the requirements, these can be a great deal.  If you don't stay on top of it, your interest rate usually drops back to something pitiful, though. Personally, we use the Online High-Yield Savings Account for our emergency fund.  I'm not going to make a specific recommendation as to which bank to use.  The best deal changes almost week to week.  Instead, I will say to check out Bankrate.com for a list of savings accounts and CDs that you can sort.  The Bank Deals blog is a good place to follow rate changes."


The All Ords Index consists of the 500 largest companies by market capitalisation listed on the Australia Stock Exchange.  Each stock in the All Ords. Index is given a weighting based on its market capitalisation. As the price of the stocks within the All Ords. Index change, so does the points on the index itself.  The Index is more sensitive to changes in the larger capitalised stocks due to their larger weighting in the Index. Example: If a company has a weighting of 10% and its price goes up by 10%, and all other stocks in the Index don't go up or down, then this will cause the All Ords Index to go up by 1% (10% of 10%).


Sorry, it appears not, according to http://www.nysscpa.org/cpajournal/2008/508/perspectives/p12.htm: ...and the election to make Roth 401(k) contributions (these are after-tax contributions) is irrevocable.  Fairmark says the same thing. PS, don't complain too loudly, given the reason for the problem. :)


But not until we have shipped the last manufacturing job left in America there and then wondered why we did all that packing up and shipping over and training and learning new language and moving the family to Hong Kong and hating it there...only to make themselves look like heros by coming back from whence they never should have left.


Have you ever noticed the fries in Canada taste so much better than the fries in the USA?   I believe it has to do with Canada's restriction on lard use or something, but I find fries at Canadian McDonald's to be so damned good...


"There are no guarantees in the stock market. The index fund can send you a prospectus which shows what their results have been over the past decade or so, or you can find that info on line, but ""past results are not a guarantee of future performance"". Returns and risk generally trade off against each other; trying for higher than average results requires accepting higher than usual risk, and you need to decide which types of investments, in what mix, balance those in a way you are comfortable with. Reinvested dividends are exactly the same concept as compounded interest in a bank account. That is, you get the chance to earn interest on the interest, and then interest on the interest on the interest; it's a (slow) exponential growth curve, not just linear. Note that this applies to any reinvestment of gains, not just automatic reinvestment back into the same fund -- but automatic reinvestment is very convenient as a default. This is separate from increase in value due to growth in value of the companies. Yes, you will get a yearly report with the results, including the numbers needed for your tax return. You will owe income tax on any dividends or sales of shares. Unless the fund is inside a 401k or IRA, it's just normal property and you can sell or buy shares at any time and in any amount. Of course the advantage of investing through those special retirement accounts is advantageous tax treatment, which is why they have penalties if you use the money before retirement. Re predicting results: Guesswork and rule of thumb and hope that past trends continue a bit longer. Really the right answer is not to try to predict precise numbers, but to make a moderately conservative guess, hope you do at least that well, and be delighted if you do better... And to understand that you can lose value, and that losses often correct themselves if you can avoid having to sell until prices have recovered. You can, of course, compute historical results exactly, since you know how much you put in when, how much you took out when, and how much is in the account now. You can either look at how rate of return varied over time, or just compute an average rate of return; both approaches can be useful when trying to compare one fund against another... I get an approximate version of this reported by my financial management software, but mostly ignore it except for amusement and to reassure myself that things are behaving approximately as expected. (As long as I'm outperforming what I need to hit my retirement goals, I'm happy enough and unwilling to spend much more time on it... and my plans were based on fairly conservative assumptions.) If you invest $3k, it grows at whatever rate it grows, and ten years later you have $3k+X. If you then invest another $10k, you now have $3k+X+10k, all of which grows at whatever rate the fund now grows. When you go to sell shares or fractional shares, your profit has to be calculated based on when those specific shares were purchased and how much you paid for them versus when they were sold and how much you sold them for; this is a more annoying bit of record keeping and accounting than just reporting bank account interest, but many/most brokerages and investment banks will now do that work for you and report it at the end of the year for your taxes, as I mentioned."


In a nutshell, not really.  That's the risk you take when you co-sign for someone.  The lender only made the loan because of the strength of your brother's credit, not your mother's, so his reputation (in the form of his credit rating) is going to take the hit because of his mother's behaviors. The one thing he can do is this:  The credit bureaus allow you to add a comment or explanation to your credit file which may be helpful, provided potential creditors read it, which is never a guarantee.  It's worth trying though, so suggest to him to look into it. Here's a link for him/you/anyone to look at that can help explain how this works and what effects it can have: Adding a comment to your credit file for negative items I hope this helps. Good luck!


Everything on Earth can go wrong. Including, god forbids, your MIL being hit by a bus the next day and your ex inheriting all of her belongings and none of her promises to you. This is a bad idea. What I would suggest doing would be for your MIL to buy your ex a cheap and simple clunker to move herself around without you being ever involved. If you still want to go into this adventure, I'd advise to do these things: A written contract with MIL that details all the terms and agreements. Cover the potential unfortunate events like the one I made up in the first sentence. A written contract with your ex about how and when she can use your car. Insurance to cover all the potential damages and liabilities she can cause, in your name, with her as additional insured. Be ready to bear all the costs associated with the car. You're not a co-signer in this scenario - you're the only signer. The dealership will come after you and you alone.


">Generally-speaking, I'm not particularly enthusiastic about strictly seniority-based pay and strictly seniority-based firing; it doesn't seem to make a tremendous amount of sense.  It wasn't supposed to ""make sense"" -- just as with other political things, the older, longer term members tend to participate more in union activities (having a significantly more *vested* interest); and medium term members can easily look forward to the day (not too far off) when they too will be in the position of seniority -- it is an inherently biased system.  Any pressures to end the seniority-based system are coming from outside the unions and -- bar an influx of a demographic ""bulge"" of new teachers of high-merit (which is unlikely) -- the unions are likely to continue to oppose any change (as they have so desperately tried in Wisconsin)."


The salary of a coal miner with a couple years of experience is $29/hour. Average salary at Disneyland is $14/hr.   Thousands of products are made from coal including pharmaceuticals, soap, dyes, solvents, plastics, nylon, and carbon fibers. Miners would still be needed even if coal wasn't used for energy.


"You could not have two stocks both at $40, both with P/E 2, but one an EPS of $5 and the other $10.  EPS = Earnings Per Share P/E = Price per share/Earnings Per Share So, in your example, the stock with EPS of $5 has a P/E of 8, and the stock with an EPS of $10 has a P/E of 4.  So no, it's not valid way of looking at things, because your understanding of EPS and P/E is incorrect. Update: Ok, with that fixed, I think I understand your question better. This isn't a valid way of looking at P/E. You nailed one problem yourself at the end of the post: The tricky part is that you have to assume certain values remain   constant, I suppose But besides that, it still doesn't work. It seems to make sense in the context of investor psychology: if a stock is ""supposed to"" trade at a low P/E, like a utility, that it would stay at that low P/E, and thus a $1 worth of EPS increase would result in lower $$ price increase than a stock that was ""supposed to"" have a high P/E. And that would be true. But let's game it out: Scenario Say you have two stocks, ABC and XYZ. Both have $5 EPS. ABC is a utility, so it has a low P/E of 5, and thus trades at $25/share. XYZ is a high flying tech company, so it has a P/E of 10, thus trading at $50/share. If both companies increase their EPS by $1, to $6, and the P/Es remain the same, that means company ABC rises to $30, and company XYZ rises to $60. Hey! One went up $5, and the other $10, twice as much! That means XYZ was the better investment, right? Nope. You see, shares are not tokens, and you don't get an identical, arbitrary number of them. You make an investment, and that's in dollars. So, say you'd invested $1,000 in each. $1,000 in ABC buys you 40 shares. $1,000 in XYZ buys you 20 shares. Their EPS adds that buck, the shares rise to maintain P/E, and you have: ABC: $6 EPS at P/E 5 = $30/share. Position value = 40 shares x $30/share = $1,200 XYZ: $6 EPS at P/E 10 = $60/share. Position value = 20 shares x $60/share = $1,200 They both make you the exact same 20% profit. It makes sense when you think about it this way: a 20% increase in EPS is going to give you a 20% increase in price if the P/E is to remain constant. It doesn't matter what the dollar amount of the EPS or the share price is."


Borrowing money to pay living expenses will not last long. Also, banks and credit card agencies are very expert at detecting people who try to live off of debt (as you might expect) and they will cut you off completely as soon as they figure out what you are doing. As a general rule, if you go six months without paying a credit card or bank loan, you will be totally cut off from all sources of borrowing for at least 10 years and all your debt will be sold to collection agencies that will then start harassing you. Some collectors will sue you in a court of law and try to seize any assets you have, like a car. It is critical you find a source of income immediately.


Great that you have WhatsApp - but make sure you can communicate with the tourists who have never heard of WhatsApp.   Just like you are on Reddit now, you know to use what tourists are using. The same is true for messaging.   Most western tourists are not going to have WhatsApp - tourists from Japan will have LINE and Americans, Europeans, and other Asians will have Facebook Messenger or iMessage (iPhone), Chinese tourists will use Baidu.   Get an account on the service your customer uses - though using messenger requires a smartphone and iMessage requires an iPhone.


However, we would also like to include on our budget the actual cost of the furniture when we buy it. That would be double-counting.  When it's time to buy the new kit, just pay for it directly from savings and then deduct that amount from the Furniture Cash asset that you'd been adding to every month.


Biopharmaceutical plants are defined according to various technological based models. However, in simple language biopharmaceutical plants are defined as the plants that produce pharmaceutical products using biotechnological concepts. Firstly, these were called as pharmaceuticals but in reality these are only the subsets of pharmaceuticals that include all the medicines with biological and chemical origins as they work with genes and recombinant proteins.


As do other states. The state and national debts are created by big government politicians. Such as bloated civil services, pension funds, more borrowing instead of fiscally responsible. The USA federal gov keeps trillions of shadow debt off its books and downplays the actual unemployment rate.


Come here expecting misogynist remarks.  Not disappointed.  When a dude can spit a watermelon through his pecker and return to work 3 months later, while said watermelon allows him to have no sleep, I will care about their expectations.


Took it early in the Spring, got a 98th percentile. Got about 20 requests for my resume since then, but no responses back after I released it. Most of the firms asking for my resume were undisclosed.  Test is really easy. You are probably going to be surprised by how well you will do. I would take it, maybe you will have more luck than me in getting responses.


I think I understand what you are saying. What I am confused about is the gov decision to give the $5 subsidy is because they believe the ppl that qualify for the subsidy are not able to meet the $10 price point, so then more ppl are able to pay that price. If the gov was giving ppl the subsidy that can afford to pay the $10 than I completely understand s price hike, but raising the price simply due to the existence of a subsidy certain ppl qualify for, just leaves us back to square one right?   On a side note, this is the major reason I am leaning more toward socialized medicine because those Econ theories (subsidy increasing prices) work for typical markets of goods and services ppl can walk away from. The thing is that you can't walk away from health care. I work in medicine and from my experience most ppl working in the field aren't there for just making $$. Investors for sure are there for only that, but I just don't see a pure capitalistic model giving us better health outcomes.


"I don't know about that, how would anyone ever get loans? Of course I might just be limited to ""in the box"" thinking of the idea that we even need loans to facilitate the economy. I think maybe 90% reserves 10% lending or some other mix other than right now its currently law (in the US) that banks hold only 10% of the money in accounts as reserve while they can lend out 90%. I don't think it was ever intended to keep eroding like it has to the point where its 1:9 savings:loaned ."


A SWIFT code helps but it is not always necessary. In the early 2000s I worked in Hong Kong.  All a Hong Kong bank needed to wire money to the USA was the ABA number, which was the check routing number from the bottom of a US check, the bank account number, and the name on the destination account.


"Some features to be aware of are: How you prioritize these features will depend on your specific circumstances.  For instance, if your credit score is poor, you may have to choose among cards you can get with that score, and not have much choice on other dimensions.  If you frequently travel abroad, a low or zero foreign transaction fee may be important; if you never do, it probably doesn't matter.  If you always pay the balance in full, interest rate is less important than it is if you carry a balance.  If you frequently travel by air, an airline card may be useful to you; if you don't, you may prefer some other kind of rewards, or cash back. Cards differ along numerous dimensions, especially in the ""extra benefits"" area, which is often the most difficult area to assess, because in many cases you can't get a full description of these extra benefits until after you get the card.  A lot of the choice depends on your personal preferences (e.g., whether you want airline miles, rewards points of some sort, or cash back).  Lower fees and interest rates are always better, but it's up to you to decide if a higher fee of some sort outweighs the accompanying benefits (e.g., a better rewards rate).  A useful site for finding good offers is NerdWallet."


The bullshit here is people reposting this without reading what NASA fucking said. They didn't say anything about her being a crackpot and selling junk. They contradicted a statement claiming it has a material 'just like NASA spacesuits' that they do not use.


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2.5 months. Male, 200 lbs., 5'10. over 10,000 steps a day, soda drinker, Wax, yes a lot. The only other reason I can think of is I have kidney issues. I have quit multiple of times and it has always taken me a very long time to piss out my system.


"FYI, just found this (https://www.paypal.com/webapps/mpp/ua/useragreement-full#8) ""8.9 Currency Conversion Currency Conversion 2.5% added to the exchange rate The Currency Conversion spread applies whenever a currency conversion is required to complete your transaction. The exchange rate is determined by a financial institution and is adjusted regularly based on market conditions. Adjustments may be applied immediately and without notice to you. When your payment is funded by a debit or credit card and requires a currency conversion, you consent to and authorize PayPal to convert the currency in place of your debit or credit card issuer. You have the right to have your card issuer perform the currency conversion and can choose this option during checkout on your transaction review page before you complete the transaction."" 2.5%!! Can this be true?"


Here is what I did and what I sent to my daughter...   Here is how to freeze your credit with the three reporting companies.  1.  TransUnion (easiest and free). Go to https://freeze.transunion.com. If the site is down, you may have to try later (like late at night). You will have to register on the site to do this. I think on this one you need to also give them your previous address. 2. Equifax (not so easy, but works online), costs $10 [note your cost may vary depending on your State]. Go to https://www.freeze.equifax.com. You will have to register. I think this the one does not require the previous address (because you have been in at our location for more than 2 years) even though there is a section for it.  3. Experian (toughest one to get done, website is currently broken), costs $10 [note your cost may vary depending on your State].  You will need to do it by phone (takes 12-15 mins to get through the menus). Call 888-397-3742. Note there are LONG silent periods, so do not hang up. If they do disconnect you, it should be right at the beginning, and you just have to call back. You will need to have your credit card number ready to enter at the end (and you need to key in the digits fairly quickly, do not pause once you start entering them), and it will ask for a four-digit expiration date (for example, Aug 2019 is 0819) on the card.


>Well, the one variable you're forgetting is that we didn't have as much debt hanging over our heads as we do now.   You're right, [they had more.](http://cdn.theatlantic.com/static/mt/assets/business/assets_c/2011/04/Debt%20Ceiling%20Ratio%20to%20GDP%20History-thumb-570x314-49340.png)   >Are you sure that the Federal government should undertake that level of spending again as the Fed is poised to raise rates, reversing a decades long trend of cheap borrowing?  I'm am suggesting that there is level of government fiscal contribution that could lead to fuller employment.


Also, does anyone know of any books on doing this sort of thing, i.e. renting out half of your home to a tenant and living in the ret? Head down to your local library. Mine has a state guide for renters and another one for landlords. There will likely be a lot of Nolo Press books around there too.  You can also research the property tax on a lot; many counties run an arcGIS server that will tell you who owns a given property, what the assessed value is and the total tax bill, etc.


Heh, *holdouts.*  How about the *former users* who just don't want to play in the walled garden with its privacy problems, lack of authenticity, and novelty.  The value proposition, for me, proved to not be worth the hassle.  Facebook is an interesting platform, in theory, I just got bored with it.  **Social networking burn-out, perhaps?**


How much can I save? Depends on inflation and what other investment opportunities you have. It could end up costing you millions. Can I pay $12,000 extra once a year or $1000 every month - which option is better?  It depends on how risk adverse you are.  The first option does sound better, but for a 30 year mortgage, is it that significant? How much of your time is it going to cost you to do it every month? What is keeping you from doing it every day? How much is your time worth to you. Giving the bank its money sooner is always better than giving it it's money from a saving interest perspective. When is the best time to pay?  See above.


Of course they are. How else are you supposed to keep people in check who can see how fucked up the system is and want to change it?  You [yoke them with debt](http://upload.wikimedia.org/wikipedia/en/c/c9/Charging_Bull_statue.jpg) and have them pull your economic empire forward, while pocketing the profits.


Assuming that your friend is residing in India, any money that he returns to you cannot be deposited into your NRE (NonResident External) account; it must go into your NRO (NonResident Ordinary) account. You don't have an NRO account, only ordinary savings accounts in India that you established before leaving the country and becoming an NRI (NonResident Indian) ? Well, you are in violation of FEMA regulations and need to convert all those ordinary savings accounts into NRO accounts as soon as possible. Your bank will help you in doing this (by letting you hold ordinary accounts while you have NRI status, the bank too is in violation of FEMA regulations). With regard to taxation, unless you have created a paper trail by documenting the money sent to the builder as a loan to your friend, the entire amount (less INR 50,000 exemption) that your friend will return to you will be considered a gift from your friend to you, and it will be taxable income to you in India, and possibly taxable income to you in your country of residence, though there may be tax treaties that will let you pay taxes in one country only. If you do have a paper trail, then only the excess of what your friend returns to you is interest income to you; the bulk is just repayment of the loan principal, and is nontaxable. If you are residing in the US, I do hope that you have reported the fact that you had foreign bank account(s) totaling more than US$10K in value to the IRS and the US Treasury as per FBAR regulations; because if not, you have many more tax issues to worry about. The fines for not filing these reports are onerous.


"Assuming a price is set on an free market there are particular difficulties to pricing. A free market is one where the price is entirely determined by the willingness of people to buy and sell at a particular price point. What you perceive as price, is actually the ""tick"", i.e. the quote of the last transaction. The first and most serious major obstacle to pricing is a variation of the prisoners dilemma, a psychological phenomenon. For instance, bitcoin might be worth 4$ now, but you believe it will be worth 5$ in 3 days. Will you buy bitcoin? If acting only on your conviction, yes. But what if you consider what other people will do? Will others believe bitcoin will be worth 5$ in 3 days? Will they act on their conviction? Will the others believe that others believe that it wil be worth 5$ in 3 days, and will the others believe that the others who believe will act on their conviction? Will the others believe that others believe of still others who believe that they will act on their conviction? It goes on like this ad-infinitum. The actual behavior of any individual on the market is essentially chaotic and unpredictable (for the reason stated above and others). This is related to a phenomenon you call market efficiency. An efficient market always reflects the optimal price-point at any given time. If that is so, then you cannot win on this market, because at the time you would have to realize a competitive edge, everybody else has already acted on that information. Markets are not 100% efficient of course. But modern electronic markets can be very, very efficient (as say compared to stock markets fro 100 years ago, where you could get a competitive edge just by having access to a fast courier). What makes matters rather more difficult for price forecasting is that not only are humans engaging in the market, machines are as well. The machines may not be terribly good at what they do, but they are terribly fast. The machines that work well (i.e. don't loose much) will survive, and the ones that don't will die in short order. Since speed is one of the major benefits of the machines over humans, they tend to make markets even more efficient. Another phenomenon to price forecasting is that of information and entropy. Suppose you found a reliable method to predict a market at a given time. You act on this information and indeed you make a profit. The profit you will be able to achieve will diminish over time until it reaches zero or reverts. The reason for this is that you acted on private information, which you leaked out by engaging in a trade. The more successful you are in exploiting your forecast, the better you train every other market participant to react to their losses. Since for every trade you make successfully, there has to be somebody who lost. People or machines who lose on markets usually exit those markets in some fashion. So even if the other participants are not adjusting their behavior, your success is weeding out those with the wrong behavior. Yet another difficulty in pricing forecasts are black-swan events. Since information can have a huge impact on pricing, the sudden appearance of new information can throw a conservative forecast completely off the rails and incur huge losses (or huge unexpected benefits). You cannot quantify black-swan events in any shape or form. It is my belief that you cannot predict efficient and well working markets. You might be able to predict some very sub-optimal markets, but usually, hedge-funds are always on the hunt for inefficient markets to exploit, so by simple decree of market economics, the inefficient markets tend to be a perpetually dying species."


I'll check them out   I'll ask though that he seems, from your synopsis to be criticizing how those in developed, 1st world, nations (especially educated it seems) to how these discrepancies came about but I didn't see anything about why they did. Why isn't it that educated Africans are ignorant as to why they are thriving while destitute white nations are not.   Chimps may pick better stocks but we aren't living under their rule. Educated people can certainly get things wrong but the overall culture and society they produce is far superior as evidenced but their success vs the lack thereof for African ones.   I don't see how South Korea falls into this? How is that analogous. Also not understanding how low growth and exploding populations in poor nations bolsters your argument.


There is no tax liability for your brother in India as under gift tax,t there is no cap on amount. The transaction may be taxable to you in US, as there is a limit of USD 14000 per year per person.


You're kidding right?  The only thing it will do is make the companies more aggressive in railroading the ones that make workers comp claims.  Or donate more to conservative pols.  Etc.  Read a little on union history and mining industry.  Investors and management are completely hostile to workers.


> but why would select Applebee's if you are longing for a steak?   In all seriousness? Because it's already 7:30, and you live in BFE, Flyover Country, and it's an hour's drive to anywhere nice. Because it's your ten year old's birthday, and he wants to take a half dozen friends out for his party, and none of them know any better. Because you're still getting paid 1997 wages on a 2017 cost of living. Because your mom raised you on a strict diet of Marie Callendar's and Hot Pockets, and you don't know any better than to pay steak prices for shitty sirloin. Because your girlfriend's mom also raised on her on shit food, and she makes yuck-faces at places where they put things like horseradish sauce, and rare prime rib, and roasted asparagus on the table. Because your five-year-old is just barely housebroken enough to eat in a restaurant without a built-in playground, and the odds of getting an hour of good behavior go up dramatically when you can bribe her with chicken nuggets, ketchup, macaroni and a Shirley Temple.


Transferring money you own from one place to another pretty much never has tax implications. It might have other implications, including requirement to report it. Being a US citizen has tax implications, including the requirement to file US tax forms for the rest of eternity.


I don't know if I ever plan to retire, and I am fine with that. However, I would like to be financially secure enough to be able to do enjoyable part-time work or freelance work instead of having to worry about maintaining a career into my golden years. I just want to keep working to keep my mind and body sharp and not be isolated from society.


I'm not aware of any digital cable boxes that you can just buy, call the cable company and give them the MAC address and it will work, like with a cable modem. But any cable box that supports CableCard will probably work with Comcast. You still have to rent the cable card, which is generally several dollars a month.


While I agree with your point that 'we are progressively turning into a low wage country,' the rest of the article is talking about how restaurant and hotel worker positions *aren't* being filled because (presumably, lol) those people who would normally work there are instead finding 'better' jobs.   The article is not talking about how those service jobs are good in themselves, but how the availability of them is a good sign 'because of the implication.'  But yes, of course we are 'turning into' a low wage country. That's how the system works.


As BobbyScon said in the comments, invest in a company that is developing in that field. Or invest in a company which supplies that field. The people who got rich in the California gold rush were those selling shovels and other miners' supplies. Or bet against whatever you think this will displace. If automobiles are the hot new thing, it might be a bad time to invest in harness leather. Or ... figure out how else it might impact the economy and invest appropriately. But you have to do that evaluation yourself. Or ignore it and stick with your existing strategy, which should have been diversified enough to deliver reasonable results whether this sector takes off or not. Remember that if someone gives you a free tip, they are probably just hoping to pump up the value of their own stock rather than help you.


#####&#009;  ######&#009;  ####&#009;  [**History of banking**](https://en.wikipedia.org/wiki/History%20of%20banking): [](#sfw)   ---  >The __history of banking__ begins with the first prototype [banks](https://en.wikipedia.org/wiki/Bank) of [merchants](https://en.wikipedia.org/wiki/Merchant) of the ancient world, which made [grain loans](https://en.wikipedia.org/wiki/Loan) to farmers and traders who carried goods between cities. This began around 2000 BC in [Assyria](https://en.wikipedia.org/wiki/Assyria) and [Babylonia](https://en.wikipedia.org/wiki/Babylonia). Later, in [ancient Greece](https://en.wikipedia.org/wiki/Ancient_Greece) and during the [Roman Empire](https://en.wikipedia.org/wiki/Roman_Empire), lenders based in temples made loans and added two important innovations: they accepted [deposits](https://en.wikipedia.org/wiki/Deposit_account) and [changed money](https://en.wikipedia.org/wiki/Bureau_de_change). Archaeology from this period in [ancient China](https://en.wikipedia.org/wiki/History_of_China#Ancient_China) and [India](https://en.wikipedia.org/wiki/History_of_India) also shows evidence of [money lending](https://en.wikipedia.org/wiki/Loan) activity.  >====  >[**Image**](https://i.imgur.com/IWCAqkG.jpg) [^(i)](https://commons.wikimedia.org/wiki/File:Balance_sheet_Mesopotamia_Louvre_AO6036.jpg)  ---  ^Interesting: [^Banking ^in ^India](https://en.wikipedia.org/wiki/Banking_in_India) ^| [^History ^of ^banking ^in ^China](https://en.wikipedia.org/wiki/History_of_banking_in_China) ^| [^History ^of ^banking ^in ^Bangladesh](https://en.wikipedia.org/wiki/History_of_banking_in_Bangladesh) ^| [^Banking ^in ^the ^United ^States](https://en.wikipedia.org/wiki/Banking_in_the_United_States)   ^Parent ^commenter ^can [^toggle ^NSFW](http://www.np.reddit.com/message/compose?to=autowikibot&subject=AutoWikibot NSFW toggle&message=%2Btoggle-nsfw+cjk5935) ^or[](#or) [^delete](http://www.np.reddit.com/message/compose?to=autowikibot&subject=AutoWikibot Deletion&message=%2Bdelete+cjk5935)^. ^Will ^also ^delete ^on ^comment ^score ^of ^-1 ^or ^less. ^| [^(FAQs)](http://www.np.reddit.com/r/autowikibot/wiki/index) ^| [^Mods](http://www.np.reddit.com/r/autowikibot/comments/1x013o/for_moderators_switches_commands_and_css/) ^| [^Magic ^Words](http://www.np.reddit.com/r/autowikibot/comments/1ux484/ask_wikibot/)


My advice to you is not to take any advice from anyone when it comes to investing, especially when you don't know much about what you are investing in. mbhunter is correct, take your time to learn about what you want to invest in. If your goal at the moment is short term don't invest in stocks unless you really know what you are doing.   Put your money where you can get the highest interest rate, continue saving and do a lot of research on the house you wish to buy. Even if you are not ready to buy a house yet, start looking so that by the time you are ready to buy, you know how much the house is really worth. Before buying our house we spent about 7 months looking and researching and looked at more than 100 houses.


Social Media needs to die. I thank God social media was not around when I was in HS, college. We wonder why bullying is rampant? Kids are not mature enough ( many adults for that matter) to deal with the consequences social media has. For those that think your snaps disappear, its bullshit. They are stored in some computer room in Arizona.


To start with the easier one: I went to a large state school that's got a well-ranked business school for undergrad and majored in finance. No masters. The ranking isn't necessary, but the degree (or one similar) probably is just to get into the finance field. You could do treasury work with an accounting degree, and you really could do it with any degree, but a lot of companies might not want to take a chance on you if you don't have at least some applicable knowledge.  Typical day: I usually get in around 7:30 and crank out a couple of daily tasks: I gather bank statements and do some minor data entry to come up with a prediction of what our cash is going to look like for the day. Depending on the day, I get into our Bloomberg terminal and send out money for overnight investment or sell commercial paper to raise money on a short term basis. I do some minor housekeeping/accounting work that's mostly system generated, we just check it. I spend the middle portion of my day approving payments, meeting with business groups to help develop our forecast better for the next 30-60-90 days, maybe meet with bankers if they're in the office, maybe do ad hoc work, maybe do debt analysis, etc. Basically this is my free work time. End of the day I gather more bank reports, send out results for the day to leadership and an updated projection of cash flow for the rest of the month.   If things get really exciting, I might get to take part in an acquisition, do stuff with bonds, etc. It rarely gets that exciting though.


"To answer, I'm going to make a few assumptions. First, the ideal scenario for a pre-tax 401(k) is the deposit goes in at a 25% tax rate (i.e. the employee is in that bracket) but withdrawn at 15%. This may be true for many, but not all. It's to illustrate a point.  The SPY (S&P 500 index ETF) has a cost of .09% per year. If your 401(k) fees are anywhere near 1% per year total, over 10 years you've paid nearly 10% in fees, vs less than 1% for the ETF. Above, I suggest the ideal is that the 401(k) saves you 10% on your taxes, but if you pay 10% over the decade, the benefit is completely negated.  I can add to the above that funds outside the retirement accounts give off dividends which are tax favored, and if you were to sell ETFs held over a year, they receive favorable cap-gains rates.  The ""deposit to get the matching funds"" should always be good advice, it would take many years of high fees to destroy that. But even that seemingly reasonable 1% fee can make any other deposits a bad approach.  Keep in mind, when retired you will have a zero bracket (in 2011, the combined standard deduction and exemption) adding to $9500, as well as a 10% bracket (the next $8500), so having some pretax money to take advantage of those brackets will help. Last, the average person changes jobs now and then. The ability to transfer the funds from the (bad) 401(k) to an IRA where you can control the investments is an option I'd not ignore in the analysis.  I arbitrarily picked 1% to illustrate my thoughts. The same math will show a long time employee will get hurt by even .5%/yr if enough time passes. What are the fees in your 401(k)?   Edit - Study of 401(k) fees - put out by the Dept of Labor. Unfortunately, it's over 10 years old, but it speaks to my point. Back then, even a 2000 participant plan with $60M in assets had 110 basis points (this is 1.1%) in fees on average. Whatever the distribution is, those above this average shouldn't even participate in their plans (except for matching) and those on the other side should look at their expenses. As Radix07 points out below, yes, for those just shy of retirement, the fee has less impact, and of course, they have a better idea if they will retire in a lower bracket. Those who have some catching up to do, may benefit despite the fees."


You would generally have to pay interest for everyday you hold the position overnight.  If you never close the position and the stock price goes to zero, you will be closed out and credited with your profit. If you never close the position and the stock price keeps going up and up, your potential loss is an unlimited amount of money.  Of course your broker may close you out early for a number of reasons, particularly if your loss goes above the amount of capital you have in your trading account.


Bank every dollar possible to have more cash available for investing during the 2008/2009 crisis.


I can't answer from the Indian side but on the UK side, if you and your friend are not related then there is no tax implication - you are effectively giving each other gifts - other than a possible inheritance tax liability if one of you dies within 7 years of the transfer and has an estate above the IHT allowance.


I swear they're the same restaurant with a different logo. The saddest lunch I've ever had happened at a Chilli's. I had an avacado chicken sandwich and the avacado slice was like razer thin. Like someone at corporate was working out how thin they could get the avacado slice to be to increase margins.


You probably can't deposit the check directly, but there are mechanisms in place to get your money through other means. In the US, all states and territories have an unclaimed property registry. Before you contact the company that wrote the check, you should check that registry in your state. You will have to provide proof that you are the intended recipient, having the original check in your possession should make that considerably easier.


It might not be leniency for first time payers, but they do have programs, some federal some local, that help the poor and elderly complete their tax forms. There are also programs that allow the poor to file electronically for free. For most people the first time they file their taxes they are using the EZ form. Which is rather easy to do, even without the use of either web based or PC based software. The software tools all ask enough questions on the EZ forms to allow the user to know with confidence when their life choices have made it advantageous to use the more complex forms. The web versions of the software allow the taxpayer to start for free, thus reducing their initial investment for the software to zero. Because the first time filer is frequently a teenager the parents are generally responsible for proving that initial guidance.  The biggest risk for a young taxpayer might be that the first year that itemizing deductions might be advantageous. They might never consider it, so they over pay. Or they discover in April that if they had only kept a receipt from a charity six months ago they could deduct the donation, so they are tempted to  claim the donation without proof. Regarding leniency and assistance there is an interesting tax credit. The Earned Income Tax Credit. it gives a Tax credit to the working poor. They alert people that they need to Check Your Eligibility for the Earned Income Tax Credit They know that significant numbers of taxpayers fail to claim it. EITC can be a boost for workers who earned $50,270 or less in 2012.   Yet the IRS estimates that one out of five eligible taxpayers fails to   claim their EITC each year. The IRS wants everyone who is eligible for   the credit to get the credit that they’ve earned. The rules for getting the credit are simple, all the information needed to claim it is already on the basic tax forms, but you have to know that you need a separate form to get the credit. But instead of making the credit automatic they say: If you use IRS e-file to prepare and file your tax return, the   software will guide you and not let you forget this important step.   E-file does the work and figures your EITC for you! and then :  With IRS Free File, you can claim EITC by using brand name tax   preparation software to prepare and e-file your tax return for free.   It's available exclusively at IRS.gov/freefile. Free help preparing   your return to claim your EITC is also available at one of thousands   of Volunteer Income Tax Assistance sites around the country. To find   the volunteer site nearest to you, use the VITA locator tool on   IRS.gov. But if you don't use free file you might never know about the form. Apparently it escapes 20% of the people who could claim it.


The typical scam is that they overpay you - 'accidentially', or for some obscure reason they claim, and they ask you to wire the extra money either back or to someone else. Because you wire it, that money is gone for sure. Then they undo the original transaction (or it turns out it was fake anyway), and you end up with a loss. Maybe he claims that he wants to buy some more stuff, and the fees are high, so he sends you all the payments in one amount, and you pay the other sellers from it, something like that. There are honest nigerians though, actually most of them. Either way, the real problem is that the original payment is fake. Whichever way it comes to you, you need to make sure that it cannot be reversed or declared invalid after you think you have it. Wire transfer is the only way I know that is not reversible. Bank transfers are reversible; don't think you have it just because it arrives in your bank account. Talk to your bank about what all can happen. If you make the deal, when you send the bike, think about insuring it (and make him pay for that too). That way, you are out of any loss risk.


They say a nonprofit think tank NBER is publishing the paper.   Here is where funding for NBER came from in 2016:   http://www.nber.org/CorporateSupporters2016.pdf     Contributing $10,000 - $25,000:   AIG AQR   Bank for International Settlements    Bracebridge Capital   Brevan Howard   Capital Group Companies   Credit Suisse   ExxonMobil   Fuller & Thaler Asset Management    General Electric   General Motors Foundation    Goldman Sachs   Google   Insurance Information Institute   JP Morgan Chase Institute   Pfizer, Inc.   Vanguard   Anonymous (2)     Contributing $5,000 or Less:   Board of Governors of Federal Reserve System    Haver Analytics, Inc.   Macroeconomic Advisers   U. S. Regional Federal Reserve Banks (12)      Individual Supporters   Contributing $5,000 or Less:   Allen Sinai   Francis Schott


Generally this is simply a matter of the business paying taxes on the sale (income), balanced by a credit (charitable deduction), which eventually adds up to their not paying taxes on money they collected in order to pass it along to the charity. Note that because the business is taking the deduction on that donation, you can't take a deduction on the charitable portion of your purchase.


"I went to a B&N the other day to buy the best selling non-fiction book of all time that was being promoted on the radio/TV/etc.... and of course they were out of it.  When I asked the guy why they wouldn't have the most popular thing at their store (like milk at a grocery store or something). He said, ""Yeah, it's usually in high demand so we don't have it."" Great way to run a company!! Stock your shelves full of the unpopular stuff and never order enough of the HIGHEST SELLING BOOKS OF ALL TIME!  Can't wait for the box stores to go down."


Only a failing businessman looking for excuses outside of himself would be ok with negative growth in sales during an economic uptick. This has nothing to do with political ideology and everything to do with political/economic landscape. How that landscape is navigated is what really matters here.


Here's a good strategy: Open up a Roth IRA at a discount-broker, like TD Ameritrade, invest in no-fee ETF's, tracking an Index, with very low expense ratios (look for around .15%) This way, you won't pay brokers fees whenever you buy shares, and shares are cheap enough to buy casually. This is a good way to start. When you learn more about the market, you can check out individual stocks, exploring different market sectors, etc. But you won't regret starting with a good index fund. Also, it's easy to know how well you did. Just listen on the radio or online for how the Dow or S&P did that day/month/year. Your account will mirror these changes!


From astonishing resorts to overwhelming bistros, sprawling greenery nooks to urban housetops and commonplace storehouses to contemporary cityscapes the choices could twist up perceptibly frustrating as to settle the Tampa wedding scene. So how might you limit what you long for in order to find the perfect wedding place for your day? Notwithstanding the likelihood that you have a basic idea of what you are endeavoring to find, there is a lot of components to consider. The accompanying are a couple of pointers to help driving you in finding the surprising wedding venues Tampa.


"Eventually, you'll end up buying a stock at or near a high-water mark.  You might end up waiting a few years before you see your ""guaranteed"" $100 profit, and you now have $5K to $10K tied up in the wait.  The more frequently you trade, the faster your money gets trapped. There are two ways to avoid this problem: 1) Do it during strong bull markets.    If everything keeps going up you don't need to worry about peaks...but then why would you keep cashing out for $1 gains? 2) Accurately predict the peaks.    If you can see the future, why would you keep cashing out for $1 gains? Either way, this strategy will only make your broker happy, $8 at a time."


So is that a yes or 'yes', I'm confused by the quotes.   There are very real differences among races. Why are they important? Because one race has found themselves to develop third world impoverished nations while other races have thrived. I feel like that is well worth exploring both why and how.


"A mutual fund could make two different kinds of distributions to you: Capital gains: When the fund liquidates positions that it holds, it may realize a gain if it sells the assets for a greater price than the fund purchased them for. As an example, for an index fund, assets may get liquidated if the underlying index changes in composition, thus requiring the manager to sell some stocks and purchase others. Mutual funds are required to distribute most of their income that they generate in this way back to its shareholders; many often do this near the end of the calendar year.  When you receive the distribution, the gains will be categorized as either short-term (the asset was held for less than one year) or long-term (vice versa). Based upon the holding period, the gain is taxed differently. Currently in the United States, long-term capital gains are only taxed at 15%, regardless of your income tax bracket (you only pay the capital gains tax, not the income tax). Short-term capital gains are treated as ordinary income, so you will pay your (probably higher) tax rate on any cash that you are given by your mutual fund. You may also be subject to capital gains taxes when you decide to sell your holdings in the fund. Any profit that you made based on the difference between your purchase and sale price is treated as a capital gain. Based upon the period of time that you held the mutual fund shares, it is categorized as a short- or long-term gain and is taxed accordingly in the tax year that you sell the shares. Dividends: Many companies pay dividends to their stockholders as a way of returning a portion of their profits to their collective owners. When you invest in a mutual fund that owns dividend-paying stocks, the fund is the ""owner"" that receives the dividend payments. As with capital gains, mutual funds will redistribute these dividends to you periodically, often quarterly or annually. The main difference with dividends is that they are always taxed as ordinary income, no matter how long you (or the fund) have held the asset. I'm not aware of Texas state tax laws, so I can't comment on your other question."


yeah i totally agree with the title.  but unions are nearly management there, germany really started the idea of [co-determination.](http://en.wikipedia.org/wiki/Co-determination), if your corp has over 500 people, 1/3 to 1/2 the seats on board have to be saved for labor.


Take a look at this: http://code.google.com/p/stock-portfolio-manager/ It is an open source project aimed to manage your stock portfolio.


There are several cost of the Military Homes, so you can choose according to your desired location and your preferred weather. This area is also more humid. So if you can’t tolerate heavy rains or humidity, then avoid this part of the country. But if you enjoy the rain, by all means choose this portion of Military Home is good.


Universal Steel of America specializes in metal warehouse buildings manufacturing. Our pre-engineered steel warehouse building kit can accommodate any designing needs. Our customized warehouse building kit includes various customizations including brick, wood or concrete to stone, glass, CMU block and even stucco.  We use only high quality steel and will deliver the kit in no time. We also offer on-site installation service.


Outside of Boston is closer to the city center than where they would put a campus in most of the other cities.    Where would they go that they would be closer to the city center than if they were in Peabody or reading or even Billerica?  Those towns are only a 20mile drive to the city center and there is a train into the city from there that would take 40 minutes.  People get hung up on what people call the city.  But Boston's metropolitan area is just a bunch of areas that are different towns rather than burrows.