"I'm not certain about international transfers, but that amount is large enough that it could be subject to gift tax. https://www.irs.gov/Businesses/Small-Businesses-&-Self-Employed/Frequently-Asked-Questions-on-Gift-Taxes Note that the threshold for this tax is ""per person, per person"". For example, if you gave your father $12,5k, and gave your mother $12.5k, and your wife gave them each the same amounts, each of those gifts is small enough to be within the $14,000 exclusion and you and your wife would owe no gift tax. If you aren't married, you might want to spread this gift over two years to stay under that threshold."


"I bought a car a few years ago. The salesman had the order, I knew the car I wanted and we had a price agreed on. When I refused the payment plan/loan, his manager came over and did a hard sell. ""99% of buyers take the financing"" was the best he could do. I told him I was going to be part of the 1%. With rates so low, his 2 or 3% offer was higher than my own cost of money. He went so far as to say that I could just pay it off the first month. Last, instead of accepting a personal check and letting me pick up the car after it cleared, he insisted on a bank check to start the registration process. (This was an example of one dealer, illustrating the point.) In other cases, for a TV, a big box store (e.g. Best Buy) isn't going to deal for cash, but a small privately owned ""mom and pop"" shop might.  The fees they are charged are pretty fixed, they don't pay a higher fee cause I get 2% cash back, vs your mastercard that might offer less."


"I would contribute to the Roth over the course of the year assuming the worst case scenario (actually the best base from another POV, since you're making more money!). Save the rest of the money in a regular account, and make your final, ""top off"" contribution when you compute your final AGI for 2011 taxes. You have until April 15, 2012 to make tax year 2011 contributions. I'm in a similar situation due to my wife's overtime, which is very variable from year to year. At this point, I don't make any IRA contributions until I do my taxes."


Not at all, no effect whatsoever.


Mrs. Nahles also proposed to make god gender neutral back when she was family or female minister (don't remember), for equality. I mean really??   I'm not even faithful and can't stop laughing.   I wouldn't take her word on the case to matter.  Sad that my taxes go to such kind of politicians.  Also she is in the SPD and elections are on Sunday.


If you take out a personal loan, rather than a mortgage or car loan or hire-purchase agreement or other loan that's for making a specific purchase, then you can do whatever you want with the money. Send it abroad, burn it, spend it on expensive whisky -- it's up to you. The country you want to send the money to might have rules on transferring money into the country, but there will be no impediment at the UK end.


"Sure, and everything you've said here is absolutely true for a fully immunized portfolio.  What the OP suggests is that it's simply impossible to effectively defease future obligations.  He is pitching not so much finance as he is a political philosophy that can be summed up by ""defined benefit plans are impediments to competition.""  In the OP's world, the business of life and casualty insurance would implode within a few years of inception.  Actuarial science would be dismissed as mathematical witchcraft.  We would see company after company laid low by overwhelming future obligations against which they have no defense.  Rather, what we have are instances of *poor financial management.*  As opposed to the fine examples set by insurers, endowments, foundations, etc. (all of which can remain successful ongoing concerns in perpetuity), what we have are businesses who decided that it would be better to cut corners and bet on risk, rather than to take the safer (but more expensive) route and effectively manage their assets in relation to their liabilities.    He then goes on to suggest that, in laying off their problems, business are simply ""doing everybody a favor.""  These business (and their highly educated financial managers) are taking their flaming piles of shit, handing it over to the guy whose expertise most likely involves the repetitive operation of a machine, and saying ""here you go, this is a good deal for you, enjoy managing your future!"""


The core issue is to understand what 'selling a share' means. There is no special person or company that takes the share from you; you are selling on the open market. So your question is effectively 'can I find a guy on the street that buys a 10$-bill for 11$ ?'  - Well, maybe someone is dumb enough, but chances are slim.


OTA channels. You only lose MNF compared to basic cable. I listen to the radio for baseball games.   Which works out pretty well, since I hardly ever actually watched baseball games when I had cable. I'm always surfing reddit or doing something else around the house when they are on.   And on the rare occasion that there is a game on that I want to see and it is on cable only, I go to my local sports bar.


He's an investor, not an economist, and he's making a common error of not considering the political rich separately from the economic rich.   The economic rich make the world a better place by creating goods and services people are willing to pay for.   The political rich use government to stack the deck in their favor and collect revenue without providing comparably valuable good or services in return.


Why are there taxi regulations in the first place? I mean if Uber was able to provide such a comparable service without taxi regulations then why do we need them? Obviously the people have spoken with their wallets and I don't think Uber has killed or seriously hurt someone(correct me if I'm wrong).   As far as I'm concerned the only reason these regulations exist is to make cabs more expensive and give the local government more money from cabs as a service. But Uber actually creates a lower burden on the government because they have ride sharing which means that less people are on the roads which is definitely a good thing.   Please tell me I'm wrong. I'm genuinely asking.


"My idea if I had it done would make way over $200,000. $200,000 would only scratch the surface if the business got started up. You sir are the actual idiot for acting like you know everything about my idea without any evidence whatsoever. The idea has 100% never been done before, and that's a fact. You can't call someone's idea a terrible one without knowing what it is so I will keep going for my goal because people like you will come and go as much as you please. I said ""I'm confident my business would be successful"" you don't need research to have hope and determination. I pity the guy who went out of his at in an attempt to discourage my dream. I hope to get back to you after my business gets the wheels rolling, so I can take everything you just said to me and shove it up your ass while you continue to hate on everything and everyone. Fuck face"


I think it depends a lot on your idea of how you should relate to your neighbors. Personally, I think that I should be allowed to do just about whatever I want with my property, and I grant my neighbor the same right. If my neighbor wants to paint his house purple with orange stripes and fill his front lawn with pink flamingos, I think that's his right. If I don't like it, I don't have to look at his house. (I would draw the line at things that I cannot avoid by simply looking the other way, like running jet engines in his back yard at 2 in the morning, as I could not avoid the noise. Or dumping toxic waste on the street, as it will cause health problems. Etc.) Others think it IS their business what their neighbor does with his property and want to be able to control it. They want someone who has the authority to force everyone in the neighborhood to paint their house in colors deemed acceptable, to meet certain requirements for yard work. And that's what Home Owners Associations are for: to require that everyone in the neighborhood maintain their property according to a standard set by the HOA, which should theoretically represent the wishes of the majority. Of course the price you pay for giving you the right to tell your neighbor what kind of fence he is allowed to have is that now your neighbors can tell you what kind of fence you can have. Advocates of HOAs often say that they are necessary to protect property values. Personally I think this is something of a circular argument: I must have the right to prevent my neighbor from doing something that, in my opinion, makes his house ugly, not because I necessarily have no choice but to stare out my window at his house all day and be repulsed by it, but because someday I may want to sell my house to someone who will have no choice but to stare out the window at his house all day and be repulsed by it and so will not want to buy my house. Of course if we all just minded our own business, this wouldn't be an issue. Okay, this was pretty much an anti-HOA post, but I did TRY to state the other side of it.


It's not stealing from people who create value. Or create jobs. Taxing money earned by dividends isn't harming anyone. Simple math says if you're paying 10m in taxes it's because you didn't use your wealth to create jobs. And someone who paid 10m in taxes isn't going to decide not to buy that 10k ring because they paid 20m and only have 40 left for the year. Walmart makes 15b a year they're not going to create more jobs or wealth because they made 20b with a tax cut. Lowering taxes will only be beneficial to the middle class due to the fact they are the ones stimulating the economy. It's easy to live paycheck to paycheck making 120k a year when you actually get to enjoy life.


"As others have noted, US law says that if you have over half the bill, it's worth the full value, under half is worth nothing. I presume if it is very close to half, if even careful measurements show that you have 50.5%, you'll have difficulty cashing it in, precisely because the government and the banking system aren't going to allow themselves to be easily fooled by someone cutting bills in half and then trying to redeem both halves. I've seen several comments on here about how you'd explain to the bank how so many bills were cut in half. What if you just told them the truth? Not the part about killing someone, of course, but tell them that you made a deal, neither of you wanted to bother with complex contracts and having to go to court if the other side didn't pay up, so your buddy cut all the bills in half, etc. As you now have both halves and they clearly have the same serial number, this no real evidence of fraud. Okay, this is technically illegal -- 18 US Code Section 333, ""Whoever mutilates, CUTS, defaces, disfigures, or perforates, or unites or cements together, or does any other thing to any bank bill, draft, note, or other evidence of debt issued by any national banking association, or Federal Reserve bank, or the Federal Reserve System, with intent to render such bank bill, draft, note, or other evidence of debt unfit to be reissued, shall be fined under this title or imprisoned not more than six months, or both."" But you didn't do it, the other guy did. I presume the point of this law is to say that you can't get a hold of currency belonging to someone else and mutilate it so as to make it worthless. As he's now given you both halves, I doubt anyone would bother to track him down and prosecute him. Just BTW, while checking up on the details of the law, I stumbled across 18 USC 336, which says that it's illegal to write a check for less than $1, with penalties of 6 months in prison. I just got a check from AT&T for 15 cents for one of those class action suits where the lawyers get $100 million and the victims get 15 cents each. Apparently that was illegal."


To avoid risk from rising interest rates, get a fixed rate mortgage. For the life of the mortgage your principal and interest payments will remain the same. Keep in mind that the taxes and insurance portion of your monthly payment may still go up. Because you own the property, the costs to maintain the property are your responsibility. If you rented this would be the responsibility of the owner of the property; if the cost to repair and maintain goes up so does the rent. Because you are the owner your annual costs to repair and maintain may go up over time. The way to eliminate risk of loss of value is to never move, until the mortgage is paid off. You will know exactly what principal and interest will cost you over the life of the loan. When you sell that will be essentially return on your payments. You don't know if the loss of value is due to world, national, regional, local or individual circumstances. so hedging is tough. If the fact that the mortgage is 95% is what makes you nervous, your biggest risk is risk of being upside down. That risk is greatly reduced by increasing the amount of the down payment. That decreases the risk that the value will be below the mortgage amount if due to unforeseen circumstances you have to sell immediately. The money will still be lost due to decrease in value, but you aren't forced to bring cash to the settlement table if you need to sell.


GIC perhaps? These would be quite similar to Certificates of Deposit where one is agreeing to lock up their money for a term and be paid a percentage for doing so. There are various kinds as some may be linked to market returns in some cases and others are just simple interest.


Is there evidence of Russian money laundering through bitcoin or is this your assumption? As I understand it laundering through btc would require you to explain why your wallet has millions in it, doesn't seem useful  Edit: unless you maybe distributed the bitcoin to fake users and had them spend it on your own digital services? Would people be able to track the coins through the ledger and see that you're indirectly circulating coins from your personal wallet to your business one? I don't know I'm in too deep now


http://www.Mvelopes.com Mvelopes is envelope-style budgeting in an online application. I've tried all of the other applications and I choose to pay for this one for the following reasons:


Careful, here.  The last time we got a bill from the doctor's office because they made a billing mistake it turns out the bill was a mistake.  Before you pay anything go through the list of charges and payments and make sure it's accurate.  (In our case she went to an appointment and was then told there was no reason for the doctor to see her that day.  Several months later a bill for the visit showed up--except they hadn't kept straight what payment was for what visit so it took some digging to figure out what had happened.


"How can I make sure? You can't make sure. Here is what is promised: (Obviously things have to be done in this order). Here is what will actually happen: The only way to ""make sure"" is to give all the information and watch the money disappear from your account. I advise against that."


It's my understanding that deferred revenue will be included as income as the services are rendered. In this way, gains originating from deferred revenue are not recognized until they are actually earned.  It's a formality so the accounting adheres to the matching principle. It may help to view a DR as an advance payment (say like what an airline may do with ticket purchases that occur before the flight).   It sounds like you're wanting to penalize the business for having to eventually provide a service. But I don't know if that would be accurate, I mean, from the business's perspective, isn't it always preferable to be paid in advance? Are you concerned the company may not have any recourse should the customer try to back out or something?  I don't think I'm understanding your question, could you come at it from another angle to explain it?


Do you want to give your table new look? Get customize round vinyl tablecloths and bring new life to your table. We deals in all kind of tablecloths including Special sizes to meet customer need. Ring us at 800 477-5638! For any query!


Lets pretend that TELSA decided to split its stock 10 shares for 1. Now the stock is $35 dollars- would that make you happy?  You dont have any idea how companies are valued.   Berkshire Hathaway Inc. Class A NYSE: BRK.A - Oct 31, 12:58 PM EDT 280,210.00 USD


"It is your name, or the fictitious name under which you operate. For example, if your freelance front end is called ""Zolani the 13th, LLC"", then that's the name you want to appear on the check, and not ""Mr. John Zolani Doe"" that is written in your birth certificate."


Actually, those claims are well supported and if expressimg yourself in a written document that you have to open up yourself to read is creating a hostile work environment, then the HWE is more like a tool for ideological witch hunting.   There are workers rights and processes for firing people.  This is definitely not the end of the story, he can easily sue.


There is a very popular opinion on Reddit that automation and robotics will be terrible for the economy. I think the positives outweigh the negatives. Whether you are for or against, this brings us one step closer to a post-scarcity economy.


Ich war lange auf der Suche nach einem Pflegedienst zur Tagespflege meiner Eltern in Hamburg und habe viele Services analysiert. Der hier ist mir bisher am besten aufgefallen, weil wir einen Migrationshintergrund haben und dieser Dienst genau dafür gedacht ist. Hier sind ein paar Bookmarks vom AKS Pflegeteam.


When one of you has a grievance against another, does he dare go to law before the unrighteous instead of the saints? 2 Or do you not know that the saints will judge the world? And if the world is to be judged by you, are you incompetent to try trivial cases? 3 Do you not know that we are to judge angels? How much more, then, matters pertaining to this life! 4 So if you have such cases, why do you lay them before those who have no standing in the church? 5  I say this to your shame. Can it be that there is no one among you wise enough to settle a dispute between the brothers, 6 but brother goes to law against brother, and that before unbelievers? 7 To have lawsuits at all with one another is already a defeat for you. Why not rather suffer wrong? Why not rather be defrauded? 8 But you yourselves wrong and defraud—even your own brothers!  1 Corinthians 6:1-8


The point was not to persuade people to go for a megacorp over a startup. What she mostly preaches is that you can make a living for yourself. If you are going to put 100 hours in at a startup why not just develop your own product?


No.   The article needs to have business as its central focus. Not as something which one can extrapolate as a consequence. This is a health article not a business article.  I have, quite sadly, removed it. Even though I liked it and found it informative and hopeful.    It would be great if some day the admins gave us the power to move submissions to more appropriate subreddits rather than remove them. Oh to dream.


Free business listings in India are currently one of the biggest platforms for promoting your business. This is where you can list your products for free and attain new heights if success with the amount of attention you garner. There are a lot of benefits of registering your business with an online directory.  http://www.businessinfolink.com/


Call centres are also looking to the future for the return of economic prosperity. Discretionary spending on strategic goals designed to ensure that they will be poised to benefit from the upturn has increased. Most discretionary spending has been allotted for technology enhancements. By investing in technology, the centres are anticipating that the new technologies will deliver benefits in the form of lower operating costs and improved customer satisfaction.


"> I do not reside on the right and have never voted for a Republican candidate.  I don't believe you. The words you're using are pretty much verbatim from the ""crush-the-immigrants"" right-wing spin machine. Such as:  > It rewards those who willfully disregarded America's legal system and subsequently punishes those that respected it. > >America should not reward the immoral, regardless of the color they may happen to be. > > Non-citizens who see themselves as above the law should be punished and sent home.   Why focus on non-citizens? If you want to be consistent, you should be in favor of destroying the lives of U.S. citizen jaywalkers, litterers, vandals, etc. too. Because that's the level of punishment that you're proposing to be applied. Gotta be consistent on levels of punishment if you don't want to be called out as a hypocrite after all.  I think Wisconsin dairy farmers are already getting a taste of what life is going to be like if they follow your solution, and they're already unhappy about how much harder it is to do business. I guess you hate American farmers as well, eh?  If your big beef is people committing crimes & not getting punished, then I'll modify my solution a little for you:  Illegal immigrant that hasn't done anything violent? $100 fine, then they can apply for legal immigrant status - voila! criminal punished, and illegal immigration problem solved!"


Here's a sneak peek of /r/wisconsin using the [top posts](https://np.reddit.com/r/wisconsin/top/?sort=top&t=year) of the year!  \#1: [WI Senate unanimously approves ban on collecting internet browser history](http://docs.legis.wisconsin.gov/2017/related/amendments/sb49/sa13_sb49) | [158 comments](https://np.reddit.com/r/wisconsin/comments/63hnqq/wi_senate_unanimously_approves_ban_on_collecting/)   \#2: [Billboard in Paul Ryan's hometown is up!](https://i.redd.it/m1csjn8aodjy.png) | [69 comments](https://np.reddit.com/r/wisconsin/comments/5xgj8w/billboard_in_paul_ryans_hometown_is_up/)   \#3: [Welcome to Wisconsin..](https://i.redd.it/fscld6gt9bmz.jpg) | [76 comments](https://np.reddit.com/r/wisconsin/comments/70jg4j/welcome_to_wisconsin/)  ---- ^^I'm ^^a ^^bot, ^^beep ^^boop ^^| ^^Downvote ^^to ^^remove ^^| ^^Now ^^with ^^97% ^^less ^^bold ^^| [^^Contact ^^me](https://www.reddit.com/message/compose/?to=sneakpeekbot) ^^| [^^Info](https://np.reddit.com/r/sneakpeekbot/) ^^| [^^Opt-out](https://np.reddit.com/r/sneakpeekbot/comments/6l7i0m/blacklist/)


"In the US you are not required to have a corporation to use business expenses to offset your income. The technical term you need is ""deducting business expenses"", and in matters of taxes it's usually best to go straight to the horse's mouth: the IRS's explanations Deducting Business Expenses  Business expenses are the cost of carrying   on a trade or business. These expenses are usually deductible if the   business operates to make a profit.  What Can I Deduct? Cost of Goods   Sold, Capital Expenses, Personal versus Business Expenses, Business Use   of Your Home, Business Use of Your Car, Other Types of Business Expenses None of this requires any special incorporation or tax arrangements, and are a normal part of operating a business.  However, there is a bit of a problem with your scenario. You said you ""invested"" into a business, but you mentioned buying specific things for the business which is not generally how one accounts for investment. If you are not an owner/operator of the business, then the scenario is not so straight-forward, as you can't simply claim someone else's business expenses as your own because you invested in it. Investments are taxed differently than expenses, and based upon your word choices I'm concerned that you could be getting yourself into a bit of a pickle. I would strongly advise you to speak with a professional, such as a Certified Public Accountant (CPA), to go over your current arrangement and advise you on how you should be structuring your ongoing investment into this shared business. If you are investing you should be receiving equity to reflect your ownership (or stock in the company, etc), and investments of this sort generally cannot be deducted as an expense on your taxes - it's just an investment, the same as buying stock or CDs. If you are just buying things for someone else's benefit, it's possible that this could be looked upon as a personal gift, and you may be in a precarious legal position as well (where the money is, indeed, just a gift). And gifts of this sort aren't deductible, either.  Depending on how this is all structured, it's possible that you should both consider a different form of legal organization, such as a formal corporation or at least an official business partnership. A CPA and an appropriate business attorney should be able to advise you for a nominal (few hundred dollars, at most) fee. If a new legal structure is advisable, you can potentially do the work yourself for a few hundred dollars, or pay to have it done (especially if the situation is more complex) for a few hundred to a few thousand. That's a lot less than you'd be on the hook for if this business is being accounted for improperly, or if either of your tax returns are being reported improperly!"


>they're the type of company willing to sell people really nasty shit just to make a buck (in my opinion).  I mean, that describes every fast food chain, every bar, and every business that sells soda or candy on the premises.


Dumb question but if Americans spend 100B$ each year on fast food how are they bringing in 110B$ annual revenue?  Edit: Whoops thats from 2000. That's pretty interesting though. Does that mean the fast-food industry has only seen a 10B dollar increase in the last 14 years?


R H Power Utilities Pvt Ltd Services is consistently rising and increasing our Spindle Repair services. Today, we provide advanced spindle analysis and testing, and repairs and rebuilds. we have associate degree extensively trained and fully fledged team of engineers and technicians maintaining with the foremost recent advances within the spindle bearing, spindle motor and spindle equipment – all to satisfy dynamical client needs.


I suggest you talk to a New York-licensed tax adviser (EA or NY-licensed CPA). New York is very aggressive when it comes to residency determination, and given your facts and circumstances you may end up being considered NY resident despite relocating to Florida. If you maintain a studio in NY, I'd say 99% chance is that you remain NY resident for the whole year (but verify with a professional).


"Oh please. Most of the unsecured creditors who get screwed in bankruptcy are large banks. They know the risk going in which is why unsecured lends at a high interest rate. Yes, trade creditors often do get screwed but it's a cost of doing business -- it's why a vendor needs to monitor its receivables and watch for signs of insolvency and adjust the terms of trade accordingly.  You should have made sure you were covered by brokerage insurance before handing money to a company like that. The ""I'm the little guy"" argument is just weak."


His 'brand' is exactly the point of my original post, not so much his career as a cyclist. His name is tarnished, but to what extent? Consequently, for marketing purposes, I think a discussion of exactly how much does it matter? Yes he has been defamed, but he is still recognizable. How much is his 'brand' worth.   For Example, back in '08, it was very clear that many large banks were involved from the top down in screwing millions of Americans out of billions of dollars in assets, and equity. These banks gained a bad reputation because of this, but very very few of the large ones have gone away. Yes the value of their brand has diminished, but clearly not disappeared.


Does the 401(k) get any match? Whatever you do, don't lose the match. Without more detail, it's tough. Will you lose more sleep for the debt rising, or for the retire account not?  It seems your debt is well managed, a year to zero? A student loan wouldn't scare me.


Since you are trying to compare corporate bonds that have a defined coupon over the specified time of the bond. Why not use a simple Net Present Value (NPV) calculation. Refer: Net Present Value (NPV) You could use the discounting factor as the current repo rate of your central bank. As I said, this would be a simple fast measure (not considering risk rating of the bonds, inflation and other considerations). Take a notional 1000 as invetment in each instrument and calculate the NPV, higher it is better the investment. Another method, in terms of percentage return would be Internal rate of Return (IRR). Though the calcualtionis a bit more complicated, it would give you a percentage figure. Note, the above 2 measures are used when the cashflow over the time period is known. It will not work for instruments where the cashflow/value over different time are not known. Like stocks.


"You probably have enough math to satisfy a program as an incoming student. However, GMAT will matter a lot. The Ivys and their equivalents are going to have more applicants with perfect gmats and higher math backgrounds than they can take. If you can't distinguish yourself with connections from well published professors who can write good letters for you, then they're probably out of reach. Which means almost surely that you won't get a job at an ivy or equivalent as they are pretty incestuous.   Basically, if you go on the market without a top tier publication before you go out, or without a huge endorsement from a big name, your best outcome is to land at a school that is the same level as the one from which you receive your degree. And you had better have at least 1 decent pub or R&R, or a presentation at a top conference with a good pipeline to hope for that.  More likely outcome is you have a good job market paper, decent pipeline, maybe a few conference presentations, but no pub or R&R, in which case the most likely outcome for you is a step down from the tier of school you were at. So if you were at a flagship state program, then you will end up in the second tier state programs. The worse your portfolio on the market the farther you fall.  So if your goal is a flagship state program, then you need to be aiming as high as absolutely possible. And the chances of getting into those programs are progressively smaller the higher you shoot. The flagship state schools (like UT) and the Ivy/equivalents (like Harvard/Berkley etc.) will get hundreds if not thousands of applicants. Ones with backgrounds in working finance or econ, or worse I had two physics phd holders start in my cohort with me (so you have no chance to compete with that kind of math and programming experience), perfect gmats/gres, and great recommendations. It is very hard, but you can't win if you don't play I suppose. I would wager that the average number of applications to programs sent by applicants is around 50, so why not aim a few of those applications high and see if anything sticks.   Computer language proficiency is a good thing to highlight, but won't win you any big awards. By the time you get out of your first year, every student should have proficiency in either Stata/R/Sas and have some python/perl/c# etc, depending on what area of research you go for. So you have a head start, but not for long.   Your best shot to improve your chances are good recommendations from professors you know that are research active and big names in their sub-fields and in the finance field as a whole. Next up would be to have an active interest in a research area, and be able to discuss/write about WHY you want to research that area. Don't just think about it, go look up papers that do that sort of research and see what they do and how they do it. So that you will know the limitations of that sort of research. When I interview a prospective student and they say ""I am interested in international finance research"" or any other sort of general field, I know they haven't got a clue what they're interested in. Which puts them behind again."


"As long as you're not trying to get a higher limit in order to actually spend more money, or might be tempted to do so, it's generally advantageous to have a higher limit if available. A large part of credit score is based on utilization rate (balance due at statement closing divided by credit limit). Basically, you want more than 0% and less than 30% or preferably less than 10% used. Doubling your credit limit halves your utilization rate. And it can be comforting to have it there ""in case you need it"" in some sort of emergency scenario. Caveats: There's no ""right"" or ""default"" amount of credit that you ""should have"" at any given point in your life. If you're using credit responsibly, and don't need more credit, there's no particular reason to ask for more credit. If you work at it and are patient, it's easy to eventually have tens of thousands of dollars of unused credit limits, but that doesn't really get you anywhere you need to be by itself."


"No one is going to explain why ""faster and faster trades ..... help business itself"", because faster trades don't help business. With HFT the stock market signals are completely divorced from business reality. The stock market is manipulated so that Primary Dealer banks can siphon off fortunes in tiny margins on billions of transactions"


"The answer is yes. And the reason is if today's interest rates are lower than the interest rate (coupon) at which the bond was issued. The bond's ""lifetime value"" is 100 cents on the dollar. That's the principal repayment that the investor will get on the maturity date. But suppose the bond's coupon rate is 4% while today's interest rate is 3%. Then, people who bought the bond at 100 would get 4% on their money, while everyone else was getting 3%. To compensate, a three year bond would have to rise to almost 103 so that the so-called yield to maturity"" would be 3%. Then there would be a ""capital loss"" (from almost 103 to 100) that would exactly offset the extra interest, that is 1% ""more"" for three years. If today's interest rates are negative (as they were from time to time in the 1930s, and in the present decade), the ""negative"" interest rates will prevent the buyer from getting the ""lifetime value"" (as defined by the OP) of principal plus interest over the original life of the bond. This happens in a ""flight to quality"" situation, where people are willing to take a (small) capital loss on Treasuries in order to prevent a large possible loss from bank failures like those that took place in 2008."


If you can get a mortgage with 10% downpayment and the seller will accept (some may want at least 20% downpayment for whatever reasons) and with PMI it still lower than your rent, sounds like it's a good idea to buy now.  Of course this assumes that the money you'd be otherwise saving for 20% downpayment will be used to pay off a mortgage faster.


As the premiums go up, so do the individuals subsidies because they are limited in how much they have to pay. John has to pay $450 if his total insurance costs $11k or $15 k. So, in effect, he will get more money. To pay for his increased insurance costs.   This increases the overall costs to the taxpayers by millions of dollars. The money goes to the person to pay premiums instead of straight to insurance companies.   The taxpayers would be much better off if the payments to insurance companies continue to prevent the raise in premiums. If Trump stops the payments, we are all going to pay more, except for those near the poverty level.


Here's what JP Morgan is going to do: it's going to say that it was forced into a forced shotgun marriage with Bear by the Feds, and that it was not given time to do the due dilligence that generally comes before takeovers of this nature.   Case closed.


If the building has no income, it also probably has minimal expenses. The heat, water and electricity costs are nearly zero. They are letting the value depreciate, and taking it off the taxes. I also suspect the condition of the building is poor, so any effort to make the building productive would be very costly. Many cities combat this by setting the tax on empty buildings or empty lots at a much higher rate. Or they set the value of the property at a high valuation based on what it could generate. Sometimes this is only targeted at some sections of the city to encourage development. They also offer tax breaks when the owner of a house has the house as their principal residence.


I listened to this the same day I read an article about american companies having trouble hiring workers. In Germany they train workers via internships and technical schools. In the US the students pay too much for useless degrees. Trump is losing his shit trying to force people to mine coal when an answer (not the answer) is right there. FFS.


> Why not just get rid of deposit insurance for commercial banks  Repeated cycles of boom-and-busts, bank runs, recessions and crashes (that make today's situation look like a walk in the park) showed that deposit insurance is the best policy. Case in point: no Great Depression since we instituted it, and individual account holders are protected even when banks fail (as they do now and then for natural reasons).


"Pay off your debt.  As you witnessed, no ""investment"" % is guaranteed.  But your debt payments are... so if you have cash, the best way to ""invest"" it is to pay off your debt.  Since your car is depreciating while your house may be appreciating (don't know but it's possible) you should pay off your car loan first.  You're losing money in more than one way on that investment."


Now, you can get the higher performance healthcare equipments by the YILES Medical Centre. We sell the every healthcare device online, if you want bulk order, then you can also order online. We have different types of every oxygen mask with reservoir bag. Here, you can trust in every deal, because we offer to our customers on every products  effective cost. This device helps us in different way of medical process or treatment of a patient. We are one of the most producer of the health care equipments which may be very beneficial  in the course of the treatment of a patient. If you want more information about us, please go to our website.


"So is knowledge of unannounced products simply not considered material nonpublic information? Well ""material"" is relative but it certainly is nonpublic information.  And trading based on that information would likely be considered illegal if it is actually material.   Many companies require that employees with material non-public info get stock trades approved by their legal department.  This protects not only the employee but the employer from SEC scrutiny.  If the legal department determines that the employee has non-public info that is the genesis of the stock trade, they might deny the request. In many cases these employees receive stock through ESPP, ISO and/or RSUs and often sell while in possession of information about unannounced products. Just receiving stock as part of as part of a compensation program would not be illegal, provided it was part of a normal compensation package and not deliberately awarded in advance of these types of events. Selling or outright buying stock (including RSUs) with that kind of information would certainly be scrutinized.  An employee is granted RSUs, they vest 7 months before announcement of a new product. The employee knows the exact specifications of the product. If they sell the vested stock before the announcement would this constitute insider trading or not? Why? The law is not meant to prevent people from investing in their own company just because they know future plans.  So knowledge of an announcement 7 months out may not be considered material.  If, however, you sold stock the day (or a week) before some announcement that caused the stock to fall, then that would probably be scrutinized.  Or, if you traded shortly before an announcement of a new, revolutionary product that was set to be released in seven months, and the stock rose, then you might be scrutinized. So there is a lot of gray area, but remember that the spirit of the law is to prevent people from benefiting unfairly with non-public information.  It would be hard to prove that gaining on a stock trade 7 months before a product announcement would be considered ""unfair gain"".  A lot can happen in that time."


Very good answers as to how 0% loans are typically done.  In addition, many are either tied to a specific large item purchase, or credit cards with a no interest period.  On credit card transactions the bank is getting a fee from the retailer, who in turn is giving you a hidden charge to cover that fee.  In the case of a large purchase item like a car, the retailer is again quite likely paying a fee to cover what would be that interest, something they are willing to do to make the sale.  They will typically be less prone to deal as low a price in negotiation if you were not making that deal, or at times they may offer either a rebate or special low to zero finance rates, but you don't get both.


Recursos Energia Rinnovabile são activos de att força são løbende reabastecido. Estes incluem energia da água, o vento, o sol, as fontes geotérmicas, e fontes de biomassa culturas energéticas SOM. Empresas Energia Fotovoltaica estão produzindo tecnologia nemlig se transformando em mais vital e mesmo que este é duas forventes com escalada de acusações de petróleo, a demanda por alternativas de energia blivit montanhismo mesmo anos no óleo passado när udgifter eram baixos.


Yeah, that's the problem fuck-0.  Walmart makes tons of money in profit and their employees are using state benefits.    This isn't a problem for you?  The government is subsidizing walmarts employee benefits.  In other words we are socializing walmarts losses and walmart is privatizing their gains.


"In addition top the great answers above (esp Joe Taxpayer: ""if traveling is your passion, do it!) let me add my two cents: I recommend always having TWO vacations planned. It's a wonderful way to go through life: It doesn't really matter how long until the next vacation, or how expensive it will be. Just that it's planned and out there makes for extra happiness and good money management. (Can you tell I'm in the same mindset? I love vacations.)"


Maybe have a more clearly stated goal and plan to get there. Were they selling just a nicely built machine no one needs (the single design flaw) or were they trying to sell us a way to buy their juice repeatedly and maintain revenue.


"It's funny how you say they will resort to laws to stop consumers from getting what they want when in reality the so called ""upstarts"" are the ones on very thin ice with breaking the law.  If you define Netflix as an upstart then I can already see that we don't agree on the same premise and hence further argument is pointless.  And for the record, Seinfield was only possible with TV and all the talented people in production.  Do you really think Youtube or Netflix will be able to produce a quality show?  I think not.  Like I pointed out, everyone is giving too much credit to Netflix because it's easy to stream a show after the risk has already been taken to spend the time and money to produce a show.  This is why these ""upstarts"" operate on a profitable margin, they are eating TV/Cable's lunch.  I am all for TV, I believe that TV will still be around 50 years from now.  The internet and tech is very volatile and you never know where it will stand 5... even 10 years from now.  In the end, people do not want to watch cheap low-quality comedy on their iPhones.  60 inch LCD home theaters are here to stay in peoples homes.  Maybe it will be streamed via the internet but TV will very much still pull a lot of weight.  Afterall, TV built the industry, they deserve to own it.    I don't see the logic and destroying TV to benefit companies like Apple or Netflix who really have no idea how to even begin preproduction on a quality show.   This boils down to the fact that people will always consume the cheapest form of entertainment, and while this is true.  Americans are sophisticated enough to distinguish cheap from quality.  TV delivers quality and will continue to deliver quality, while the internet delivers a few occasional guffaws packaged in mediocrity."


I bought a the new book Grant by Ron Chernow because he writes the best biographies going. I had to go to Half Price Books because there are no truly independent bookstores near me. It cost me an extra $10, but Amazon is getting a bit scary for me.


Do I pay tax to the US and then also pay it in India for my income, or   does my American partner, who holds 15% of the monthly income, pay tax   in the US for his income? Of course you do, what kind of question is this? You have income earned in the US by a US entity, and the entity is taxed. Since LLC is a disregarded entity - the tax shifts to you personally. You should file form 1040NR. You should also talk to a tax professional who's proficient in the Indo-US tax treaty, since it may affect your situation.


"It is absolutely normal for your investments to go down at times. If you pull money out whenever your investments decrease in value, you lock in the losses.  It is better to do a bit of research and come up with some sort of strategy about how you will manage your investments.  One such strategy is to choose a target asset allocation (or let the ""target date"" fund choose it for you) and never sell until you need the money for retirement.  Some would advocate various other strategies that involve timing the market.  The important thing is that you find a strategy that you can live with and that provides you with enough confidence that you won't buy and sell at random.  Acting on gut feelings and selling whenever you feel queasy will likely lead to worse outcomes in the long run."


I had a friend who worked for a temp company as a dental hygienist and when she left after a year or longer she ended up taking them court because they wanted her to wait like 6 months before working in any office she worked for under contract. While I can kind of understand the companies point of view, it would've been career ending for her since as a temp she worked at pretty much every dental office in the area. She ended up winning in court and they had to change their contracts to only be 30 days rather than 6 months.


From what you have written, it could be a boiler room company. These operate with fancy website and have proper book keeping systems but are elaborate scams. How did you find about this broker. If there was a seller when you purchased the shares, there is no reason you can't be seller


Education has lost its value systems with commercialization of objectives.True Guru’s and Gurkul’s are rarely visible. With an objective to restore and revive the ‘Gurukul Value System’, we at ‘Finance Gurukul’, have tried to bring experts who have an objective to give back their expertise and knowledge to those who want to make this world a better place for all.


The big benefit of a health savings account is the savings aspect. HSAs let you save up and invest money for your health care expenses. You don't just pay for medical care with pretax dollars - you get to invest those pretax dollars (possibly until you've retired). If you can afford to put money in the plan now, this can be a pretty good deal, especially if you're in a high tax bracket and expect to remain there after retirement. There are a lot of obnoxious limitations and restrictions, and there's political risk to worry about between now and when you spend the money (mostly uncertainty about what the heck the health insurance system will look like after the fight over ObamaCare and its possible repeal.)


NO.  The legislation requires the landlord to deposit it in a bank.  Check out pages 7-10 of the linked document.  There is no mention of interest. The second clause, I believe, is probably for large landlords who hold hundreds of thousands of dollars of security.   http://www.legislature.mi.gov/documents/publications/tenantlandlord.pdf Q4 Once collected, what must the landlord do with the security deposit?   The landlord must either: a) Deposit the money with a regulated financial institution (e.g.,   bank), OR b) Deposit a cash bond or surety bond, to secure the entire deposit,   with the Secretary of State. ( Note: If the landlord does this, he or   she may use the money at any time, for any purpose.) The bond ensures   that there is money available to repay the tenant’s security deposit


Comcast is doing all this twitter advertising about how they won't throttle, block, prioritize, yadda. All that was a stipulation of their merger with NBC. Those requirements end next year. If Title II goes away, like they won't throttle Netflix and block other services that compete with theirs?  What's to stop them?  It won't even be the same do AT&T - doubt *this* Justice Department will impose any pro-consumer regulations.


> Managers got paid bonuses if they sold more deserts/alcohol so waiters are forced to offer every customer wine samples and pitch them on other drinks.  ...those bastards, giving us free booze.  The bar I go to actually takes pride in their beer. Full wall of microbrews. They do not sell \*lite. Standard procedure is to sit down, ask the bartender about what's good, and to be given half a dozen samples of the new kegs they got this week. I mean, *seriously*, those assholes -- trying to get me to find and drink a beer that actually I like. What a bunch of jerks.


"Edit #2 My whole answer was based on my misunderstanding that you were renting out a totally separate property to your girl friend.  I finally understand now that you're renting out a room in YOUR apartment flat to your gf.  So, based on my new understanding, I don't think it's necessarily a bad idea.  The answer below is my answer to a different question ;) Original Answer My answer has nothing to do with business, but is totally relationship based.   If you care about her in a ""we might be together a long time"" way, then I wouldn't do this.  I don't care what arrangements you setup before hand, at some point, you're bound to feel like she owes you something at some point.  Let alone the easiest of situations to imagine (she's late on the rent, she loses her job and can't pay, etc) you'll be forced to make decisions about how much your desire to love and care for her outweighs your need to pay your mortgage.  You can argue how magnanimous your are all day long, but is this something you want to bring into your relationship? Now, if you don't really care to stay with her that long and you could do life with or without her, then go for it.  I think the big question is, is your relationship worth £200? Edit In the interest of supporting my opinion, here are a few articles I found on the subject: Unfortunately, the way renting to friends or family often works out is far from what would be expected between people who care about one another. For the most part, friends and family members will actually make bad renters, because they’ll expect more from you than a tenant who doesn’t know you. You may get a lot of requests for maintenance and repairs, even for minor things, and you may also find that family members and friends think they should be entitled to perks because of your personal relationship with them. When they don’t get special treatment, they can get angry with you, and that hurts both your professional relationship and your personal relationship. American Apartment Owners Association ""In my experience, landlords renting to relatives doesn't work out perfectly,"" said Ceyhun Doker, a REALTOR® associate at Keller Williams Realty in Burlingame, CA. ""When you don't know each other, there are fewer problems."" realator.com"


I found one such tool here: Point-to-Point Returns tool


"Considering that I can't find anything on Chase's web site referencing a ""Money Market IRA"" I suspect that this is a type of account that they aren't actively supporting anymore, but aren't forcing you to cash it in.  I would call Chase to find out for sure, however. That said, a money market is not a good investment if you are looking for any kind of growth.  They are basically a savings account that pay (currently) a small amount of interest.  You can get much better return from other low-risk investments.  You can rebalance periodically if you want to keep a certain amount of ""cash"" available."


Went to Chipotle last night purely because my wife wanted to try the queso - it's awful.  It's incredibly grainy/floury, like a bad roux, kinda turned our stomachs.  Missed the mark on flavor too, completely bland.  Chipotle guacamole is delicious, the $2 queso isn't in the same realm.  Also I really enjoyed their chorizo.. :(


Fuck you and bullshit. Move? Wow lets just tell all these poor people who can barely afford rent that all they need to do is move to one of these great cities with the great paying jobs. You must be a Republican Trump supporter with that talk. You are just a asshole. No one agrees with you and all sudden they must be stupid because your government written paper is bullshit and rest of us know it is.     Think for a second you think the Trump administration going realise somthing showing how bad it is out here? Hell think Obama wouldn't. I am sure there a shit ton of low minium wage jobs available. We are looking for jobs that pay a livable wage.


My beef with day (and to ape Yishai's answer a little) is that his good advice is no different than anybody's good advice.  The seven steps are on the home page, Clark Howard, Suze Orman and probably quite a few others all chat about spend less, save more, shop wisely and live within your means. Anything specific is just motivation, and it sort of irks me that Dave Ramsey charges $100+ buck to go to a seminar about how to save money.  A $30 book to read anecdotes and examples of how to follow the seven steps.  (Probably, I won't buy his books) I have no problem with somebody making money, but I doubt that Dave is just barely breaking even.  I was stand corrected if he is, but I just don't suspect he is. Clark Howard recommends that people go to the library and check out his book; he is a lot closer to practicing what he is preaching.


The virtual classrooms won't replace the expensive schools at the high end (for many of the reasons you describe).  They'll compete on the low end with public schools.  I agree it won't happen in the near future -- it'll happen when prices get so high that there's a significant increase in student loan defaults.  That will be the breaking point, and people will start to look for alternatives.


Disclaimer: I don't work in the finance industry, and simply took a few classes in corporate finance and management during my undergrad.  It depends on what type of investing you're talking about. If you're talking about building a portfolio of securities, then CAPM is the basis for most valuation models. Generally, CAPM will have you discount based on your best available risk-free rate (usually t-bills or some other fixed income source with a reliable backer). Even after your valuation, the basic theory of risk management for an investment portfolio is still to maintain a diverse basket of poorly correlated products.  If you're talking about corporate finance where a firm is considering an investment such as a new project, then a determining a WACC and using it as a discount rate for your cash flow is a basic strategy.   This is a basic strategy, but there are better ones depending on the specifics of the investment. This is where evaluating exposures is important. To hedge counterparty risk, you might discount by the estimated probability of non-payment or buy trade insurance. To hedge currency risk, you might buy forwards, options, or look into a money market hedge. To hedge political risks like repatriation or changes in tax laws or regulation you might buy political risk insurance. To hedge exposure to a particular commodity price, you can trade futures.


Apple fucked up with the last set of iPhones, yet they still sold a ton.  I expect the same this time...no major innovation, will still sell a ton globally.  Why the fuck is there no major competition outside of Google/Samsung.  Oh windows? haha.  Seriously, you can see why Amazon would jump in, however stupid of them to do so (not their main business/focus)


"You asked for advice, so I'll offer it.  Trying to time the market is not a great strategy unless you're sitting in front of a Bloomberg terminal all the time. Another person answering your question suggests the use of index funds; he's likely to be right. Look up ""asset allocation.""  What you want to do is decide that you want your portfolio to contain, for example: If one of your stock holdings goes up far enough that you're out of your target asset allocation ranges, sell some of it and buy something  in another asset class,s so you're back in balance.  That way you lock in some profit when things go up, without losing access to potential future profits.  The same applies if something goes down; you buy more of that asset class by selling others. This has worked really well for me for 30+ years."


A rather good IRS paper on the topic states that a donation of a business' in-kind inventory would be  Under IRC 170(e)(1), however, the fair market value must be   reduced by the amount of gain that would not be long-term capital gain if the   property had been sold by the donor at the property's fair market value (determined   at the time of the contribution). Under this rule, deductions for donated inventory   are limited to the property's basis (generally its cost), where the fair market value   exceeds the basis.  There are references to IRC regulations in a narrative context you may find helpful: This paper goes on for 16 pages describing detailed exceptions and the political reasons for the exceptions (most of which are concerned with encouraging the donation of prepared food from restaurants/caterers to hunger charities by guaranteeing a value for something that would otherwise be trashed valueless); and a worked out example of fur coats that had a cost of goods of $200 and a market value of $1000.


As the college education is very costly, I want to send USD 25,000 to him as a gift. What is the procedure and what Indian and American tax laws are involved ? This transaction will be treated as gift. As per Indian law you can transfer unlimited amount to your close relative [son-in-law/grandchildren/daughter/etc]. In US the gift tax is on donor, as you are no US citizen you are not bound by this. As your son-in-law/grandchildren are US citizens, there is no tax to them. Your son-in-law may still need to declare this in Form 3250 or such relevant returns. Under the Liberalized remittance scheme [Refer Q3], you can transfer upto USD 250,000 per year. There maybe some forms that you need to fill. Ask your Bank. If the amount is more than USD 25,000 a CA certificate along with 15CA, 15CB need to be filled. Essentially the CA certifies that taxes on the funds being transferred have already been paid to Govt of India. Can I send money to him directly or to his father who is submitting tax returns in USA? This does not make any difference in India. Someone else may answer this question if it makes a difference in US.


"Suggesting your own wares when people ask you where to buy something isn't ""anti-competitive."" They are not a public service. The user chose Google and there's no shortage of alternative search engines. Anyone searching for services to find flights - e.g. by typing in ""online travel agent"" - will still find those services fairly ranked.  They're not even presenting the information as a standard result - it's a direct answer, like when you search with mathematical expressions. Does that feature give Wolfram Alpha grounds to complain about Google muscling in on the math business? Do we really want to establish binding legal precedent that search engines can only return naive results?"


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One of the funnier parts of the finance crisis was seeing just how awful Morgenson could be. Every time she wrote something dumb, she'd manage to one-up herself the next time.  It was impressive.   (which made me remember that [Calculated Risk even had a tag](http://www.calculatedriskblog.com/search/label/Picking%20On%20Poor%20Gretchen) for posts about her awful stories.)


Agreed. It turns you into a bore. People who are addicted to pot are similar to alcoholics.  If you need marijuana for pain or other ailments I have no problem with it, I still think it should be legalized everywhere, I definitely won't be using it though.


If it does happen I doubt it will be a rapid change. Just like electric cars one of the main hurdles will be getting infrastructure in place. Tesla has invested in a network of quick recharging stations around California, a Hydrogen based vehicle would similarly need Hydrogen fueling stations. Tesla and other competitors would have a lot of time to push out new designs.


"A stock insurance company is structured like a “normal” company. It has shareholders (that are the company's investors), who elect a board of directors, who select the senior executive(s), who manage the people who run the actual company. The directors (and thus the executives and employees) have a legal responsibility to manage the company in a way which is beneficial for the shareholders, since the shareholders are the ultimate owner of the company. A mutual insurance company is similar, except that the people holding policies are also the shareholders. That is, the policyholders are the ultimate owners of the company, and there generally aren't separate shareholders who are just “investing” in the company. These policyholder-shareholders elect the board of directors, who select the senior executive(s), who manage the people who run the actual company. In practice, it probably doesn't really make a whole lot of difference, since even if you're just a ""customer"" and not an ""owner"" of the company, the company is still going to want to attract customers and act in a reasonable way toward them. Also, insurance companies are generally pretty heavily regulated in terms of what they can do, because governments really like them to remain solvent. It may be comforting to know that in a mutual insurance company the higher-ups are explicitly supposed to be working in your best interest, though, rather than in the interest of some random investors. Some might object that being a shareholder may not give you a whole lot more rights than you had before. See, for example, this article from the Boston Globe, “At mutual insurance firms, big money for insiders but no say for ‘owners’ — policyholders”: It has grown into something else entirely: an opaque, poorly understood, and often immensely profitable world in which some executives and insiders operate with minimal scrutiny and, no coincidence, often reap maximum personal rewards. Policyholders, despite their status as owners, have no meaningful oversight of how mutual companies spend their money — whether to lower rates, pay dividends, or fund executive salaries and perks — and few avenues to challenge such decisions. Another reason that one might not like the conversion is the specific details of how the current investor-shareholders are being paid back for their investment in the process of the conversion to mutual ownership, and what that might do to the funds on hand that are supposed to be there to keep the firm solvent for the policyholders. From another Boston Globe article on the conversion of SBLI to a mutual company, “Insurer SBLI wants to get banks out of its business,” professor Robert Wright is cautiously optimistic but wants to ensure the prior shareholders aren't overpaid: Robert Wright, a professor in South Dakota who has studied insurance companies and owns an SBLI policy, said he would prefer the insurer to be a mutual company that doesn’t have to worry about the short-term needs of shareholders. But he wants to ensure that SBLI doesn’t overpay the banks for their shares. “It’s fine, as long as it’s a fair price,” he said. That article also gives SBLI's president's statement as to why they think it's a good thing for policyholders: If the banks remained shareholders, they would be likely to demand a greater share of the profits and eat into the dividends the insurance company currently pays to the 536,000 policyholders, about half of whom live in Massachusetts, said Jim Morgan, president of Woburn-based SBLI. “We’re trying to protect the policyholders from having the dividends diluted,” Morgan said. I'm not sure there's an obvious pros/cons list for either way, but I'd think that I'd prefer the mutual approach, just on the principle that the policyholders “ought” to be the owners, because the directors (and thus the executives and employees) are then legally required to manage the company in the best interest of the policyholders. I did cast a Yes vote in my proxy on whether SBLI ought to become a mutual company (I'm a SBLI term-life policyholder.) But policy terms aren't changing, and it'd be hard to tell for sure how it'd impact any dividends (I assume the whole-life policies must be the ones to pay dividends) or company solvency either way, since it's not like we'll get to run a scientific experiment trying it out both ways. I doubt you'd have a lot of regrets either way, whether it becomes a mutual company and you wish it hadn't or it doesn't become one and you wish it had."


Double check with your broker, but if a series isn't open yet for trading, you can't trade it. If there is a series trading without open interest (rare), simply work your open, as options are created at trade. If you have enough money, do this https://money.stackexchange.com/questions/21839/list-of-cflex-2-0-brokers


I had a similar situation when I was in college. The difference was that the dealer agreed to finance and the bank they used wanted a higher interest rate from me because of my limited credit history. The dealer asked for a rate 5 percentage points higher than what they put on the paperwork. I told them that I would not pay that and I dropped the car off at the lot with a letter rescinding the sale. They weren't happy about that and eventually offered me financing at my original rate with a $1000 discount from the previously agreed-upon purchase price. What I learned through that experience is that I didn't do a good-enough job of negotiating the original price. I would suggest that your son stop answering phone calls from the dealership for at least 1 week and drive the car as much as possible in that time. If the dealer has cashed the check then that will be the end of it. He owes nothing further. If the dealer has not cashed the check, he should ask whether they prefer to keep the check or if they want the car with 1000 miles on the odometer. This only works if your son keeps his nerve and is willing to walk away from the car.


Perhaps they shouldn't stray from their core competencies (as they've clearly done)?  Plus, consider their competition--bad software interface isn't one of the problems their competition has.  Microsoft really stands out as a loser as a direct result of these continual blunders.  Seriously, if they'd put a touch-based Windows 7 option in their Surface products, I'd consider a purchase right now for the RT (or whatever has the Wacom sketching capacity built into it).  That would work great for what I do, particularly when traveling.


"I'm a big fan of Mint. I tried Wesabe prior to mint and at the time (about a year ago) it was lacking the integration of many of my accounts, so I had to go with Mint by necessity. Since then, Mint has gotten better almost monthly. I can do almost everything I want, and the budgeting tools (which would address your ""6 months out"" forecast desires) and deal alerts (basically tells you if you can get a better interest rate on savings/credit card/etc) are really helpful. Highly recommended!"


Limiting liability to your investment is one of the main points of corporations. When you contract with a corporation you know that all you can get if the corporation defaults is the assets owned by the corporation, not the owners of said corp. There are plenty of covenants debtholders can put in place to restrain management from making decisions that can be detrimental to said debtholders.    >So here is a case of a legitimate lawsuit, it was heard in court and Rich Dad was ordered to pay $24 Million to his former partner(s).  It seems that the corporation was ordered to pay, no? The man does not claim he can't pay it, he claims the corporate entity that is supposed to pay it can't pay it. I don't think the opposing side ever had an agreement with Kiyosaki on a personal level.  This man probably runs several businesses, there is a chance some may go under. It is a legitimate tactic to insulate each business from one another. The debtholders know this ahead of time and receive extra yield on their investment for taking these easily identifiable risks. If you don't want to invest with someone who doesn't have skin in the game, all you have to do is don't invest.


If a shop offers 0% interest for purchase, someone is paying for it. e.g., If you buy a $X item at 0% interest for 12 months, you should be able to negotiate a lower cash price for that purchase. If the store is paying 3% to the lender, then techincally, you should be able to bring the price down by at least 2% to 3% if you pay cash upfront. I'm not sure how it works in other countries or other purchases, but I negotiated my car purchase for the dealer's low interest rate deal, and then re-negotiated with my preapproved loan. Saved a good chunk on that final price!


An auto title loans are typically utilized by those that wish to obtain a funding with bad credit rating or no credit in any way. An auto-mobile title lending frequently called a vehicle title lending or merely title funding as well as pink slip funding’s. You merely should have a vehicle that is paid off or nearly paid off and also you could make use of the auto title as security to obtain the cash money you require, enabling you to continue driving your vehicle while paying your loan.   Ezee Auto Car Title Loans Glendora CA and nearby cities Provide Car Title Loans, Auto Title Loans, Mobile Home Title Loans, RV/Motor Home Title Loans, Big Rigs Truck Title Loans, Motor Cycle Title Loans, Online Title Loans Near me, Bad Credit Loans, Personal Loans, Quick cash Loans  Contact Us: Ezee Auto Car Title Loans Glendora CA 147 W. Rt.66, #309-k, Glendora, CA 91740 626-263-4263 ezatlglendora15@gmail.com http://getautotitleloans.com/car-and-auto-title-loans-glendora-ca/


PE can be misleading when theres a good risk the company simply goes out of business in a few years. For this reason some people use PEG, which incorporates growth into the equation.


I don't know about down there but up here in Canada, unless those companies have some track history, you ARE personally responsible. Or at least that's how I remember it; someone feel free to correct me... (Unless you were wise enough and had enough capital to begin with a shell company)


but then they make suggestions such as paying extra each month on your mortgage. How else does one pay off his mortgage early other than by paying extra each month? The principal and interest are fixed, no matter how much money you throw at them. The interest rate is fixed. The total interest paid varies depending on how much extra you pay towards the principal. You'll pay the same amount every month regardless. That's factually incorrect. just put the extra money into savings At 1.2%, if you're smart enough to put it in an on-line savings account. until you have enough to pay off the mortgage Which costs you 3.5%. This way, the money is locked up in your home. Who says that all of your money must be locked up in your home?  (I'm sure that there are financial advisors who recommend that you throw every single spare dime into extra mortgage payments, but they're rare.) Am I missing something? Yes: the mathematical sense to see that a 3.5% loan costs more than than 1.2% savings earns you


But look at how TV programmes,  newspapers, radio stations make their money from advertising.  Social media is a great business model in the advertising world because you have total control over which demographic sees your adverts.  Even better, the people who use the social media site also make the content - for free. I do think it's a bubble and has a very fickle user base but if they get it right there is a huge amount to be earned without charging to view the content. So I don't agree that it's a bad business model as such, it's just hard to get right.


Theoretically the yield curve is an expectation of inflation, however in practice (currently) the government yield curve is an expectation of banking fear.  As you put your money with the government if you think the bank is going to default. With the FED lowering the longer end and making government less attractive, operation twist should theoretically lower both long term corp bond rates and stop people from buying long gov bonds (crowding out of capital).


"Out of your seven recommendations one is up 14%, one up 6%, four are either even or down slightly and one is down a whopping 40%. This reminds me of a recommendation earlier in the year provided by The Motley Fool to buy XRO.AX when it was around the $40 mark. I had a quick look at it and thought ""gee there is no way I am buying those shares"". Now they are just below $15. See the chart below:  You have just learnt a valuable lesson by testing these recommendations without your real money - never trust investment recommendations from analysts (or anyone else). Get yourself educated so you understand what analysts are talking about and you can make a decision for yourself. Better still learn about technical analysis so you can decide for yourself whether it is the right time to buy or sell."


If you move money - you don't need to pay any taxes. If the money was not there before and magically appeared at some point and now you want to move it - you'll have to explain a thing or two to the IRS and FinCEN. Generally, if you're a green card holder - you pay taxes on your worldwide income. So if you have a foreign account that earns interest - that interest is taxable to you in the US. In the year you earned it, not in the year you moved the money to the US. There are also reporting requirements (FBAR notably, and others). If you haven't filed FBAR with regards to the accounts which you now want to move, and especially if that also includes unreported income (interest and other) - you may find yourself in a very deep s#!t. Sorry, very deep troubles. Talk to a tax adviser (EA/CPA licensed in your State). A proper consultation is warranted, if you haven't had one already. You might need a tax attorney.


I recently engaged in a dispute with a ski resort that was proposing several hotels (about 500 rooms) along with a new lodge, which will host conventions.  I have a home (3 bedrooms) I rent on Airbnb located next to the resort and was a statutory party to their permit hearing.  After all was said and done, I managed to take away approximately 250 parking spots, forcing them to build a parking garage.  They were permitted for the new lodge, which they are building now, but not for the hotels.  I will now be able to raise my rates as there will be a severe lack of short term housing to accommodate the new lodge.


You can check your score through your discover card account (only credit card)  2 month difference   Nothing has changed. Have gone about regular business with no dramatic increase in spending  I'm 21 and I'm almost exactly a year into my first card


Disclaimer: I’m not an expert.  This is my basic understanding, which I’m sure someone will be glad to tell is horribly wrong...  You need an LLC.  Many people in my area create an LLC management company, then create individual LLCs for each investment property.  Laws vary by state.  YMMV  Then you start researching properties.  Commercial loans typically require a higher equity position than home ownership.   Assume minimum 30%.  For ease of this conversation let’s say you’re making the horribly poor decision to put that towards a single property.   You’d be looking for a property in the 175-200k value range, because you’ll need to account for settlement expenses (attorney, broker, consultants) and a cash reserve.  You’d be also be looking for what the average cap rate is for your market.  In simplistic terms cap rate is the expected rate of return after expenses.  So if the average market cap rate in that region for comparable properties is 5%, you can expect around 5% return on your investment, after you pay fees, maintenance, taxes, insurance, interest, etc.  Buy a property and hold that property for a few years, making money every year, and claiming deductions on your earnings for something called depreciation.  Fast forward 5 years and you’re ready to sell, the value of your property went up because you made improvements along the way, brought in some better tenants who are paying higher rents, and now you can offer a better cap rate than your competitors.  You sell in the blink of an eye, and double your investment.  Say you have $500k now sitting in the bank in you LLC’s name, in cash.  You can either choose to cash out 100% and pay capital gains tax on your earnings above your basis (at 15% I think?)... OR you can quickly find a new property with that $500k, purchase it, and file a 1031, which says you don’t have to pay ANY capital gains on those earnings.  You just increased income significantly without ever paying taxes on the underlying increase in value of your assets.  Rinse and repeat for 25 years, develop a portfolio of properties, create a management company so you can stop paying others a percentage of your earnings, and you too can have the problem of too much money.  I welcome anyone with actual knowledge of the topic to please expound on, or correct me.


All day. We make markets are pretty much anything. We just don't price anything. If we can go in house that's what we'll do if not we'll go external. We so see decent flow, but nothing like capital markets sees.  You guys hiring? :)


"I think the best advice you could get would be to find a lawyer. If that foreign company has any presence in the US, they should be the ones signing off as the successor, otherwise you may find yourself in a limbo that would require some legal assistance. Generally, in most States a Corporation cannot be dissolved without resolving issues like this, which is probably why they told you ""the plan is terminating"". Someone asked them to terminate it. You need to find that someone."


That's a very good question.. of which I didn't know the answer. I didn't pay very close attention when they actually IPO'ed, so I researched just now and I couldn't believe the amount of public complaining the banks did about Google's IPO structure. Hilarious in retrospect.   Either way, in a very satisfying development, Google only paid 3% on the underwrite. The offering was worth almost $3B which means $100m for the banks, but they didn't have to do a road show or make a single call to sell the thing, so I'd say that was more than fair.  {[Source](http://www.slate.com/articles/business/moneybox/2004/07/frugal_google.html)}  >Google's IPO price will thus be set naturally by all interested market participants, not artificially by underwriters. Google—and not well-connected investors—will receive the full benefit of investors' enthusiasm for the stock. To add insult to the injury of the chastened investment bankers, Google has decreed that it'll only pay a 3 percent underwriting fee.


>One of the easiest mistakes to make in business is assuming that your own anecdotal experience applies to everyone on earth.  Yep. I'm in marketing, and early on, a good marketer learns to separate what they don't personally like. For example, I don't like exit popups. (The things that come up when you move the mouse to leave a website.) Guess what? They work.


"> The US didn't come in and seize any Iraqi oil.  That statement is just blatantly wrong and expresses a profound ignorance.  There have been articles and books written about the ""broken oil gauges"" found at Iraq's gulf oil terminals."


>The problem I have with this line of logic is that it's pretty much the anti-net neutrality argument.  I think there is a key difference here, at least for me. I view internet access as a utility, like water or power. Companies shouldn't be able to arbitrarily decide who gets access to those utilities. Some people may not see it the same way and that is fine.


"For example, for my employer I received a signing bonus, and a   ""relocation lump sum"" separate from that signing bonus. The relocation   lump sum is taxed and will appear as income on my W-2, and I can spend   it on anything I want. That said, should the relocation lump sum count   towards the entry quoted above in Form 3903, or would it be considered   the same as any other bonus; thus allowing me to take a full deduction   for all of my deductible travel expenses? The signing bonus and relocation lump sum will appear as regular income on your W-2. You can think of the relocation bonus as something to cover the pain and suffering the cost of moving, without needing to send in receipts. Lets assume that you meet the distance and time tests, so there is potential to save money on your taxes. Lets also put your actual moving expenses as $2500. If you have valid moving expenses the IRS will allow you to use them to reduce your AGI. So now you can reduce your AGI by the $2500.  Enter the total amount your employer paid you for the expenses listed   on lines 1 and 2 that is not included in box 1 of your Form W-2   (wages). This amount should be shown in box 12 of your Form W-2 with   code P. My question is: what exact payments from your employer should be   entered here? I realize that you can just write the number you get in   box 12 with code P on your W-2, but I'm curious how they come up with   this number. In some cases the company will reimburse you your moving expenses up to a maximum of $x. For example a maximum of $1000 That means you submit receipts for those expenses and they give you a check or add it to your next paycheck. The check will either be for the amount on your receipts or the maximum amount, whichever is smaller. In this situation with actual expenses of $2500 and a reimbursement of $1000 you can reduce your AGI by $1500."


The most likely answer to your question regarding what the 'market expects' is perhaps that the market expects that currently Linked-In like a lot of other startups has been plunging almost eveything it makes into building the business and brand.  So right now the net profits are pretty low percentage of income (roughly 1.5% of revenue)  Given the size of the other numbers, it doesn't take a lot of movement in the right direction to get a big change in that tiny final number.  The other factor is the gap between their Net and the Income Available..  I think (but I'm making a logical guess here) a large part of that gap was paying off the losses of the prior two years.  If that's the case, and everything else is static, then next year's 'available' number ought to at least triple.  In order to grow the net, all LI needs is to either continue current trends of growth in expenses relative to costs,  keep expenses steady and experience a slight growth in income, or find a way to reduce expenses without having it impact income. Or something in between those three.   If we take the first case as an example, income has been roughly doubling every year, but expenses growing less than that.  if they were to continue that, but manage to get some economy of scale and have expenses grow at a slower rate, then the jump in net income ought to be substantial. most of the trends you could project end up with a big growth in the bottom line.. but yeah I gotta admit, none of that gets you 117X growth in a single year.  So the conclusion I would draw is that the market is trending a few years out and being pretty optimistic given the current PE ratio.  Of course you could also conclude that the market is 'social network happy' and LNKD represents one of the few opportunities for the average investor to get in on that given that facebook and myspace are not trading on the open market


I think the straight productivity curve is supposed to represent the idea that the economy is always growing as opposed to shrinking overall, like you said. I beleive the video leaves out the idea of innovation to keep it simpler and cut down on length(Of an already half hour video). Thanks for the connection between innovation and productivity. Im new to this stuff and it hadn't occured to me.


Someone already mentioned that this is a risk-reversal, but as an aside, in the vol market (delta-hedged options) this is a fundamental skew trade. (buying calls, selling puts or vice versa). Initially vega neutral, the greek that this trade largely isolates is vanna (dvega/dspot or ddelta/dvol).


It depends on the service. Retail has been and will continue to die. People are turing to online more and more over in store experiences. Amazon just bought Wholefoods. I think what's been considered standard for the grocery industry is off the table for now.


The LLC will not be liable for anything, it is disregarded for tax purposes. If you're doing any work while in the US, or you (or your spouse) are a green card holder or a US citizen - then you (not the LLC) may be liable, may be required to file, pay, etc. Unless you're employing someone, or have more than one member in your LLC, you do not need an EIN. Re the bank - whatever you want. If you want you can open an account in an American bank. If you don't - don't. Who cares?


What are my options, if any, in how to deal with a buyout that forced me to sell, and accept cash only for my Florida USA company shares? Options are limited;


"This is called ""import duty"", and it is based on the value of the goods imported. The one to pay the duty is the importer/receiver. As long as you fill the correct information (including the description and value of the items sent) on the USPS customs form (which you'll have to attach to your USPS shipment), you're good to go."


An idiot wrote that story. Right out of the gate they are plain wrong. Interns must be paid (federal law) unless they are SOLELY learning and not performing any work to the benefit of the company. The author should have at least researched one fact. Any fact would have done fine. It's a purely ignorant article.  Source: I've owned multiple business for the last 20 years.


Prescribed, sure. I usually don't have a problem with people taking prescribed drugs (except the tragic overuse of antibiotics that in the end is going to kill us all, but that's another issue completely), but I do have a problem with people self-medicating  because they've read somewhere that it's good for you.  I recently watched a German documentary about Aspirin, where medical professionals talked about the wide-spread (not prescribed) use of Aspirin and how people don't think about the consequences of using Aspirin, because it's so commonplace that they don't even see it as medication anymore. Especially in surgeries, this is a problem due to the reduced clotting factor.


If you have no paycheck, I presume you are doing your own business. That is included. Also, that is only limited to business, Studies, personal growth and other things are different again.  Oh, and if you can predict with high probability a high profit event in 5 years time, considering today's climate, I'm V.impressed. I'm relying on having as many basis as possible covered. It's a bit like a lottery (Though the odds are a lot better), the more tickets you have, the better your chances of hitting the big one.


I do agree on prices and in-stock materials. But I've also gotten some cheap shit at Menards. I bought a pneumatic staple gun because it was fairly cheap, the gun itself starter leaking air the first time I used it.


Would you classify the Equifax scandal as a medium sized shock? I am 100% in agreement with your points, which is why when the Equifax news started to break I was very worried that was going to be the trigger. Why do you think that didn't have an impact, or could it still?


In THEORY, you don't have to pay income tax in such a situation. In actual fact, the transaction looks suspicious because the money went into your account.  Presumably, the money should have gone OUT of your account in equal amount.  Having allowed all this to happen, what you need to do is to DOCUMENT this activity ASAP. The first thing to do is to retain the paperwork showing the sending of the funds to the third party. The second thing to do is to ask your friend for a letter dated TODAY (don't use an earlier date) as to why the money was delivered into your account, and corroborating the fact that it was sent to the third party. Then if the IRS comes calling, you will have documentation to prove your point and protect yourself.


"Like Dheer said, the demand for shorter term money is greater than for longer term money, precisely because the banks don't want to have to pay big interest rates for long periods. Banks borrow short term and lend long term - so they take money from you for one year, and lend it away as a 20 year mortgage. After a year, they take money for another year. Since short term rates tend to be higher than longer term rates, they make money off the ""spread"" (or the different between the rate they lend and the rate they borrow). In this scenario, banks should pay higher for longer term deposits, but overall banks realize that interest rates will go up and down, and they don't want to lock the ""up"" for a longer term. Since banks believe that rates will come down in the 1-2 year period, they offer good rates only till the 1 year period and disincentivize longer term deposits by offering lower rates. If you look at the interbank or money markets, trading of very short term bulk money shows that for the 10-15 day periods, the interest rates being offered are 10% or so, while for one year it's just 9.5%. The market believes that interest rates will go down in the one year time frame - but you never really know since this is just a bunch of people that believe so. Eventually, if rates continue to go up, the demand at the longer term will also go up, because it will become obvious that the rate pressure continues to be strong.  If you do want higher rates for the long term, check out State bank of India bonds that are currently trading on the NSE (you can buy them if you have a brokerage account) They are just about as safe as SBI Fixed Deposits, and the rate being offered is around 9.3%, for a 10-15 year term. Hope that helps!"


They are providing you a service and they charge you for it. The service includes giving you a trading platform(website and the infrastructure), doing all the background work for setting up services for you, relaying your orders to the market or as a broker fulfilling your orders, doing settlement when an order is matched, giving you access to the stock market(the costs are quite high to get a license to relay orders to the market and I believe it needs to be renewed every year). There are transaction fees which the stock exchanges charge the brokers to use the stock markets infrastructure and connect to it. And then interfacing with banks for monetary transactions and also doing according to the law in the jurisdiction they are located in. Most of it is an one time cost, but they are a private enterprise out to make profit so they will charge for their services.


Take all of the overachieving wannabe investment bankers that you went to college with and stick them in an echo chamber, and you have WSO.     I wouldn't overthink it. As you identified, it's all over the top, and not at all reflective of reality. That said, there is some really insightful content on there from time to time from individuals who really know their stuff (Thebrofessor, blackhat, etc).    Some of the users are legitimately taking the piss though (Dick Fuld...)


"I *loved* the Zune.  I had a ZuneHD (the 16g touch screen, sort of like the ipod touch, but smaller form factor).  The PC software was actually _good_.  The device was great, it played music wonderfully.    The only reason I don't have a Zune anymore is because I got an Android phone (HTC Incredible) back then, and I have a strict personal policy of ""one overpriced gadget on me at any time"", and I wasn't going to carry a music player and a phone when the phone can do both just fine."


You might be better off soliciting software engineers on AngelList.  Coder and programmer is a bit derogatory also -- you are seeking an Engineer.    With that said, I've been approached numerous times for things like this and the answer is always no.  You are basically looking for a cofounder so be prepared to give away 50%.  You need seed capital, and you don't really need an engineer for that so you should formalize the business plan and get funding.  If you can't convince someone for 50 or 100k of seed then the idea is probably flat and you won't find an engineer who wants to touch it.


If I remember correctly, the Netflix settlement was rejected under similar circumstances.  The court ended up agreeing that offering free advertising was not a /punishment/ to Netflix.  The same should hold here, too.  Sooo...  Now we just need a convenient way to object...


The short answer is you'd be much better off paying up front in this case.  The present value of $2,500 plus 12 $500 monthly payments is $8,128 at a 12% discount rate, which is much higher then the $6,000 you could pay now. The long answer is how you get that present value.  How can I use time value of money to find the present value of money if I choose to go with option A? First of all, I'd question your discount rate.  A 12% discount rate means that you can safely reinvest the money that you're not spending today at a 12% annual (1% monthly) rate, which seems very high.  Normally for short-term spending decisions you'd use a risk-free rate, which would be closer to 1%-2%. However, to discount at 1% monthly you'd just divide each monthly payment by 1 plus the discount rate raised to the power of the number of periods until each payment. So the total is which is $8,127.54 You could also use the NPV function in Excel. It seems like to get an accurate answer the calculation of the interest rate should take into account compounding period as well? Correct, and in the example above the compounding is assumed to be monthly since that's the periodicity of the cash flows. You could calculate it with a different compounding period but it gets much more complicated and probably wouldn't make a significant difference. The discount rate does take compounding into effect, meaning if you saved the $5,628 (the PV of $8,128 minus the $2,500 initial payment), you'd earn 1% interest on $5,628 the first month, $5,128 plus that interest the second month, etc.


"You're welcome to hold any opinion of my writing as you like, but after actually typing my name ""Amy Hoy"" you still refer to me as a ""he""? Amy is a girl's name and my picture is obviously of a woman.   The culture I'm complaining about is everywhere, not just in b-school. Look at Hacker News, TechCrunch, or any kind of startup event. Or the VCs who got together to lament ""dipshit companies"" as anyone who doesn't swing for the fences:  *The VCs, for their part, fight back more quietly. They point out that very few angel funded startups end up very big or interesting. “An entire generation of entrepreneurs are building dipshit companies and hoping that they sell to Google for $25 million,” lamented a venture capitalist to me recently. He believes that angel investors are pushing entrepreneurs to think small, and avoid the home run swings. And you don’t get a home run unless you swing hard, he says. When you play it safe you nearly always lose.*   http://techcrunch.com/2010/08/15/venture-capital-super-angel-war-entrepreneur/  If you (anyone, not OP) don't think this attitude is rife, you're not paying attention."