"I think the point is that if people took all the time they spent on parenting, and used that time instead to suck up to their boss and get promotions, then that's where the 900k figure comes from.  The whole article is about refuting the 300k number that the government came up with because it doesn't take ""forgone income"" into account.  *""USDA economist Mark Lino, chief author of the annual study, acknowledges the report excludes college and forgone income.""*  Seems to me like a sad attempt to justify this guy's lifestyle :  https://imagemacros.files.wordpress.com/2009/07/disregard_females.jpg"


It's also going to cost them big time catching up to Google's current map technology. Google has a massive head start and having a subpar map app will certainly hurt iphone sales and future adoption. The SGSIII had 4 of its  5 best weekly sales after the iphone5 was released.   The fact that Google would not release turn by turn navigation is only half the facts, Google was willing to release it but they had terms that Apple would not agree too. Also Apple didn't need turn by turn navigation for Google Maps to continue to function, Apple could have developed a separate app instead of throwing the baby out with the bath water.


Just a thought because this is a really good question: Would the buying and selling of blockchain based digital currency,   using other blockchain based digital currencies, be subject to like   kind treatment and exempt from capital gains until exchanged for a   non-blockchain based good or service (or national currency) Suppose someone sells 1 bitcoin to buy 100 monero.  Monero's price and bitcoin's price then change to where the 100 monero are 3 bitcoins.  The person gets their bitcoin back and has 66.67 monero remaining. This scenario could be: Suppose someone sells 1 bitcoin at $1000 to buy 100 monero at $10.  Bitcoin crashes 80% to $200 while monero crashes to only $6 per monero.  $6 times 100 is $600 and if the person gets their bitcoin back (at $200 per bitcoi), they still lost money when measured in US Dollars if they move that bitcoin back to US dollars. In reading the IRS on bitcoin, they only care about the US dollar value of bitcoin or monero and in this example, the US dollar value is less.  The person may have more bitcoins, but they still lost money if they sell.


Simple math: 50-25=25, hence decline from 50 to 25 is a 50% decline (you lose half), while an advance from 25 to 50 is 100% gain (you gain 100%, double your 25 to 50). Their point is that if you have more upswings than downswings - you'll gain more on long positions during upswings than on short positions during downswings on average. Again - simple math.


I see a big problem here.   Who will the convenience store robbers hold up if these stores are automated. So not only will the store clerks lose their jobs but we also lose the only criminals in our society who are actually caught and made to pay their dues to society.


Yep.  One good thing about Airbnb's though is the flexible check in times.  In fact, the last time I did an Airbnb now that I think about it was in Bogotoa Colombia.  My plane arrived at like 6am and the airbnb host was willing to let me in at 8:30, which of course a hotel would never do (or at least not without a fee, assuming they even have an empty room).


I think that is the wrong approach. You certainly need to teach the value of work, but you cannot tie it to income levels as a hard and fast rule. If you do, how do you then explain athletes making millions per year and only 'working' half a year, at most. And, then comparing that person to a person working hard in a factory, 40-50 hours per week, 50 weeks per year, bringing home $50K per year? I've always taught my kids to work hard and with integrity. And, most importantly, you better enjoy the work you do because no matter how much money you make, if you dread getting up in the morning to go to work, your money won't make you happy. I've never focused on the amount of money they should be making.


Interesting read. I saw a documentary about oxy's a while back.  Apparently folks from all over the mid Atlantic coast and into the mid west head down to FL often to stock up on oxys.  IIRC, FL doesn't have a patient register that logs amount/frequency of prescriptions/etc.


Electric work trucks are going to be pretty badass once they roll out in the coming years. Insane amounts of low end torque, much simpler design and reliability, and a big vehicle with room for a massive battery. Definitely not a glorified golf cart for that use case.


"There is no simple answer to that, because no one knows exactly what the probability distribution of S&P 500 returns is. Here is a sketch of one possible way to proceed. Don't forget step 4!  The problem is that the stock market is full of surprises, so this kind of ""backtesting"" can only reliably tell you about what already happened, not what will happen in the future.  People argue about how much you can learn from this kind of analysis.  However, it is at the least a clearly defined and objective process.  I wouldn't advise investing your whole nest egg in anything based just on this, but I do think that it is relevant information."


I think it says more about the political policy & governance behind taxis and public hire vehicles in New York, that it says about Uber or Lyft.   Allowing taxi licencing to become _so_ expensive, than it places that level of debt on the owner is sheer madness - a recipe for a bubble.


I second the above poster, but would suggest R over SAS or SPSS if you choose to do a stat focused language. Similarly, Python may be more useful than Java.  As the chopsticks said though, really anything is good just to enter the frame of thinking.


It's really not possible to know what your best investment strategy is without knowing more about you, which isn't the place of a site like this. However I'll make some general comments about insurance policies as savings. Insurance policies are extremely inflexible. They lay down specific payments, and specific returns that you will get back. However typically if you don't follow the shcedule of payments laid down, you will lose almost all the benefit of the investment. Since you say you are a beginner, I'll assume you are young too. Maybe in a few years you will want to buy a house, or a nice car, or get married, or put money into some other investment opportunity. If you are committed to making  insurance policy payments you will have less available for the other things you want to do. Related to this is the 'estimated returns'. You say the 'nonguaranteed bonus is around 3.75%-5.25%'. But because an insurance policy locks you in, if it turns out that it's the low end of that - or worse - you can't get out, even if other investments are outperforming it.


If you are looking to buy the GH3 Supplement, then you do not have to go anywhere else as you can order it by sitting at your home by using the online facility of a leading supplier who has been involved in the nutrition and herbal business for many years.


The obvious ones are retail sales and the service industry, you know McDonald's and Starbucks (sigh).  You simply need people where the transaction takes place.  I would like to say actual doctors (as opposed to X-ray technicians etc) but some diagnosis is being done over the net these days so even doctors will face some pressure though probably not too much.  They say software project management will survive but I'm seeing that gradually move overseas - that or US project managers end up managing such a huge number of overseas projects at once that the job is crazy stressful.  The only high-paying jobs I can think of that should be pretty safe from outsourcing are marketing and advertising.  You need to know the local culture pretty well to do that job well.  However, the pendulum's bound to swing back a fair bit.  I've worked at several places that were pretty hard core with outsourcing.  One of the biggest outsourcing cheerleaders said that it would stop being worth it when the wage ratio got to 5-to-1.  When it hit 5-to-1, he changed to 4-to-1.  When that was hit, they found a cheaper country.  But eventually, the travel, inherent inefficiency and frequent quality issues will force jobs back onshore.  It will likely be 5-10 years til we really see things turn around much.  A lot of the delay won't be that it's still a bit cheaper overseas than at home but rather that US companies love holding outsourcing over the heads of their workers to keep wages lower and keep us working all that free overtime.


From my understanding as a seller, and having read through Amazon's 8 page calculation methodology document, the default is the ship to address, however the seller still has the option to charge the tax or not, only charge the state rate and local (city, county, district, etc.) rate(s), or even set their own self-determined default tax rate.  In other words, the seller has a lot of control in determining what rate they use and the billing and shipping addresses may not even matter.  Just remember that whatever tax you pay to Amazon, your state will probably still hold you responsible for calculating and reporting any additional use tax, based on your location.  And if the seller does overcharge for tax you may have a right to request a refund from them.


It's up to the insurance companies that insure their businesses. Source *am CEO. Source. My insurance requires drug testing. I don't care at all, but my insurance company sure does.  *edit: not health insurance, businesses run on insurance, operating machinery, to make sure mistakes don't happen, etc. health insurance costs are negligible to employers.


#Billy #Fuccillo is the leading name in the automotive industry !! The recent accomplishment of Billy Fuccillo is, he has got two national awards for Fuccillo Kia of Cape Coral, Florida as well as he also achieved U.S. dealer with the highest retail sales volume award along with the best new dealer award in 2011.


"The biggest problem with this that others seem to have missed is that a corporation must have a profit motive.  Meaning at some point after a ""startup phase"" your company needs to turn a profit to not be considered a hobby. Will your employer be paying your corporation for your salary?  Is that the company's business endeavor?  If you run profits through the company and treat it like a true business, this may be technically possible, but as others have mentioned probably will cost more than any benefits you'd receive.  And at every step you'll be throwing tons of audit flags. Rich Dad Poor Dad advocates a light version of this.  Essentially running a business like Real Estate through an LLC, and then using that LLC for ""business trips"" (vacation with some justifiable business motive) or capital purchases (laptop, etc...) and the like, such that you're paying with ""Pre-tax"" money instead of ""Post tax"", but again the business needs a revenue source."


"If it is legitimately 30 minutes from downtown Chicago with rail, I see no reason why it wouldn't be full of commuters. Is there no mass transit?  I'm in the northeast and people will commute by 1.5 hrs on mass transit to get to jobs downtown - I think they're a little crazy, but some people want ""space""."


Note that this study isn't tracking graduates, just enrollment. Thomas Sowell pointed out that drop-out rates are higher for black Americans in many colleges, and believes that affirmative action is actually to blame - many of these upper tier institutions have lower academic requirements for black Americans applying, so these individuals are, on average, less prepared for that level to college, and drop out. He also felt that these students probably would have been prepared for an institution with lower requirements, and questioned whether it's better to drop out of Harvard or graduate from Brown. If you're saddled with a ton of debt and *also* don't have a degree to show for it, I'd say it's much more likely you're going to have trouble paying it off.  I wonder what the figures for black graduates looks like compared to white graduates? If black graduates are at a payoff rate comparable to that of white graduates, I think that would be a fairly telling piece of evidence that it's not, in fact, about race - but about whether or not you graduated at all.


as someone who made a fair attempt at understanding money subjects, I'd like some more writing from you.  I took high school level Marketing; Business economics; commercial law. it took six months on top of my previous High school ( with high level maths).  during those months I got medium grades, and failed  in- can you believe it - marketing. I had a go at The intelligent investor. I made it to page 96. But honestly I felt like I needed a lot of background in order for me to understand it. English is my second language. Sure I can understand  words like liability vs assets. but to this day i still can't remember the difference between a bull and bearish market. I know its about risk assesment on a national/ global level.  So who honestly gave finance a go but got their ass kicked. What would you say?  any books?


"The thing to recall here is that auto-pay is a convenience, not a guarantee. Auto-pay withdrawals, notices that a bill is due, all of these are niceties that the lender uses to try to make sure you consistently pay your bill on time, as all businesses enjoy steady cash flows. Now, what all of these ""quality of life"" features don't do is mitigate your responsibility, as outlined when you first took out the loan, to pay it back in a timely manner and according to the terms and conditions of the loan. If your original contract for the loan states you shall make ""a payment of $X.XX each calendar month"", then you are required to make that payment one way or another. If auto-pay fails, you are still obligated to monitor that and correct the payment to ensure you meet your contractual obligation. It's less than pleasant that they didn't notify you, but you were already aware you had an obligation to pay back the loan, and knew what the terms of the loan were. Any forgiveness of interest or penalties for late fees is entirely up to the CSR and the company's internal policies, not the law."


I wouldn't get too caught up with this. Doesn't sound like this is even stock reconciliation, more ensuring the cash you've received for dividends & other corporate actions agrees to your expected entitlements and if not raising claims etc.


Up until your strategy's money losing leg is stopped out, you have zero PnL, while a straddle has lost time value but may gain from price movements - all the PnL at that time you cannot capture with your strategy. Also stop loss cannot guarantee your price.


There are just too many variables here... Will you legally be considered a permanent resident from the moment you move? Will you work from home as a contractor or as an employee? Those are not questions you can answer yourself, they really depend on your circumstances and how the tax authorities will look at them. I strongly encourage you to speak to an advisor. Very generally spoken, at your place of residence you pay taxes for your worldwide income, at the place of your work base (which is not clear if this really would be Turkey) you pay taxes on the income generated there. If it's one and the same country, it's simple. If not, then theoretically you pay twice. However, most countries have double taxation treaties to avoid just that. This usually works so that the taxes paid abroad (in Turkey) would be deducted from your tax debt at your place of residence.  But you might want to read the treaty to be sure how this would be in your specific case (all treaties are publicly available), and you should really consider speaking to a professional.


No.  Unless you actually laid out cash for it, you can't write it off.


Oren Ahronson is a well known business owner who holds the degree in MBA from Bar Ilan University. He is a move on of the Siemens General Management program at Duke University. His business experience contains Siemens where he provided as CEO of Siemens in Israel, accountable for its entire portfolio such as Power, Sector, Transport, Healthcare and Interaction.


"Anyone can sue you. Whether or not they would win the lawsuit is what matters, and to win there would have to be measurable damages. How much money could the seller possibly have lost due to this in just a few days? IMHO the most you'd realistically be out is your earnest money. BTW, your realtor gets paid only if you purchase a home, so in this case your realtor may not have your best interests in mind if the choices are: ""buy this house"" or ""don't buy anything"". Definitely talk to an attorney, and then consider notifying the seller ASAP."


A type of communism was also tried in early Virginia and failed: https://mises.org/library/fall-communism-virginia  Otoh, we must recognize that unrestrained capitalism often goes into rent-seeking behaviors once the successful companies are established and start influencing public policy; and that leads generally to oligarchy more geared to nepotism and such rather than meritocracy.


My point is that the reason for the increase in income inequality is at least partly related to an increase in regulation which began growing around the same time as the divergence in your graph.   My graph doesn't refute yours, nor was it intended to. It was intended to illustrate a reasonable alternative explanation for the observations shown in your graph.  Your data is valid, but I disagree with the analysis you drew from it.


I did receive TurboTax's automatically generated confirmation of successfully completing tax filing electronically the day I did my tax on their web site. About 24 to 48 hours after you push the button at TurboTax the IRS should either confirm or reject the initial check of the tax documents. You should return to the TurboTax website to make sure the IRS has accepted the reutrn. Next review either the confirmation you received when you pushed the button or the information at the TurboTax site. It should specify when the money would be withdrawn. You were given options regarding payment method and date you want to make the payment. Many people who finish their tax paperwork early, but owe money wait until the last day to submit. Now it is possible to submit paperwork early but specify a date just before the deadline. Print out or even better save an electronic copy of the information at the TurboTax website. I have no idea how long it takes the IRS to actually pull the money from an account, once the day you specified has occurred. You have to plan as if the withdraw will happen on the exact date, but with millions of tax payers making transactions it may be delayed by a day or two.


Strictly by the numbers, putting more than 20% down is a losing proposition.  With interest rates still near all time lows, you're likely able to get a mortgage for less than 4%. The real rate of a return on the market (subtracting inflation and taxes) is going to be somewhere around 5-6%.  So by this math, you'd be best off paying the minimum to get out of PMI, and then investing the remainder in a low fee index fund. The question becomes how much that 1-2% is worth to you vs how much the job flexibility is worth. It boils down to your personal risk preference, life conditions, etc. so it is difficult to give good advice.  The 1-2% difference in your rate of return is not going to be catastrophic.    Personally, I would run the numbers with your fiance.  Build a spreadsheet tracking your estimated net worth under the assumption that you make a 20% down payment and invest the rest.  Then hold all other factors equal, and re-build the spreadsheet with the higher down payment.  Factor in one of you losing your job for a few years, or one of you taking off for a while to raise the kids.   You can make a judgement call based how the two of you feel about those numbers.


I work as a software dev for a hedge fund I do front end for their trading platform and im mainly 9-5 except when theres a strict deadline then you'll be working 24/7 but its rare also alot depends on if theres some new technology and you need to pick up the pace to and learn and code at the same time


I worked at a burrito bar that used the same serving method. They'd been in business for over 15-20 years with 5 locations without any official food poisoning complaints. And we reheated the leftover meats from the day before to serve in the morning (we did so according to standard, but still, higher risk of bacteria problems). Keep in mind, this is only anecdotal.


A large number of skills gained by students by game designing programs in Texas. If you are interested in learning more about these game design programs, techjoyntfoundation, a non-profit has an extensive list of after school classes and summer camps. They can show you how a great game can educate and entertain at the same time. Know more about us here: http://www.techjoyntfoundation.org


Le stockage de la glace peut prendre beaucoup d'espace, donc vous devez vérifier en fonction de l'espace et du besoin. Il n'y a pas d'espace commercial qui fonctionne sur un budget illimité; Nous avons tous nos propres contraintes à surveiller. Vous devez vous concentrer sur une machine à glaçons qui convient parfaitement à tous vos besoins, sans brûler un trou dans votre poche.


To answer your question, the $30 and it accrues monthly if you carry the balance forward. However, don't do that. Only use your credit card on things you can immediately pay off right away. Don't pay extra money for things and don't pay for things you can't afford. As a recent college grad, I've seen way too many people have $1,000+ in credit card debt while in school. That's just nutty. If you have any other questions let me know.


I thought the same thing, but someone recently made me aware that, even using coal, the generation and subsequent use of electricity in a tesla has a smaller carbon footprint per mile than a traditional gasoline car. Blew my mind!


LET US BET ON IT THEN. IF YOU DON'T BET, ADMIT YOU ARE WRONG OR A COWARD.   The terms of the bet are this: All IT employees do not get OT (which you believe because you know the industry and have never met a person who is a counter-example). If this is true, you win, if I can provide a counter-example, I win. How much would you like to wager?


"> Youre grossly underestimating how many people use marijuana regularly and responsibly also for medical needs.  What percentage would you guess actually use it for medicinal use in a city like Los Angeles. I bet the numbers are pretty small. Its mostly people who want to ""escape"" and get high.  > Theres a reason why your opinion is becoming more unpopular and that's because marijuana prohibition was founded on lies and racist polices not facts.  Or that tons of people here use and don't want to see that its not necessarily a good thing."


There are a host of programs in the US to help low/no-income seniors: Many states discount property taxes for the elderly as well. Not a dream retirement, but plenty of people are provided for without having prepared for retirement whether due to poor decisions or unfortunate circumstances.


When population drops, housing frees up and rent goes down. This leads to people have bigger families, and earlier. Population goes up next generation. The cycle repeats growing a little or shrinking a little each time unless you hit a goldrush or something. Where is the urban hell your talking about? Sounds like a dystopia the government sells the pubic about what would happen if they didn't just *intervene more and vote for meeeee*.


>> Does the police force teach civilians to ignore lawbreakers?  > Yes it does.  [I know a Millwall fan who indicates otherwise](http://www.independent.co.uk/News/uk/home-news/london-bridge-terror-attack-fk-fuck-you-im-millwall-hero-roy-larner-football-fan-lion-of-london-a7775246.html).  >> Would you agree they would need to first learn these skills and that probably wouldn't happen in an unstable environment?  > I agree.  All right, then is it your position that the government has no responsibility to provide a stable environment?


When I think of lab grown meat it sounds terrible.  But then I watch a video of how animals are raised in horrible conditions and then slaughtered; suddenly it's not so bad.  I think if you can't stomach lab grown meat you shouldn't be eating real meat.


Thanks for the correction it was just a story my dad would tell me so the details have likely blurred.  My point is that even if we could automate all physical jobs there could still be work to do, distribution of resources would likely need to be handled differently then now some sort of utopian communism or something not really the main point though.


Generally, to be able to write off worthless securities, you need to show that they're indeed worthless. It's not necessarily easy, as you need to prove that there's no way they will regain any value in the future. What is usually done, instead, is very simple: you sell them. Many brokers are aware of this problem and will assist by buying these securities from you at a nominal price (E*Trade, for example, for $0.01, ScotTrade for $0.00), and providing a proper trade confirmation. This is a bona fide sale, so if the stock does regain value - it will be a profit for the broker. In this case - you just report it as a sale at loss. Check with your broker if they support such a solution.


If you use a financial planner not only should they be a fiduciary but you should just pay them an hourly rate once a year instead of a percentage unless the percentage is cheaper at this time. To find a good one, go to the National Association of Personal Financial Advisers website, NAPFA.org. Another good resource is Garrett Planning Network: GarrettPlanningNetwork.com.


"Automation, starting from steam engines (most hard labor is gone), mechanical looms (there goes all fabrics made by hand), cars (there goes horses and buggies), computers (there goes most clerical work), still have not cause catastrophic unemployment today. New jobs and new industries were invented instead.  But, I agree: with robots and AI, it will not be easy to find new things for people to do, especially most people who are not very skilled and educated.  **So, the solution MUST BE restrictions on the use of Robots and AI.**  For example, all interaction with people (customer service) must be done by humans. Or, every group of robots working must be supervised by a human.  But no limits on Robots and AI when it comes hard-labor and basic work: agriculture, yard maintenance, cleaning, etc - they can be done by Robots without any restrictions.   In any case, the costs of running a business will be so much lower as almost all the undesired work is done by robots, so people can create and have more and more specialized businesses and services.  P/S1: We need to restrict Robots and AI for other reasons too. For example, we can't have a country or a person have a robotic army to kill other people. But mostly, if we do not restrict, people will become lazy, spoiled and mindless.  P/S2: Some people are unemployable in a future society: not bright enough, not reliable enough, mental issues or disabled. For them, I can see Basic Income as the only solution.  **P/S3: read the science fiction book ""Dune"" by Frank Herbert, of a future society where ""thinking machines"" are not allowed, and the reasons why they were not allowed. I will let you guess why they were not allowed.**"


"The article basically says: keep in touch, and show respect.  That's fine, but it's not nearly enough.  My top tip: make sure your work is measurable and visible, and report weekly on what you have accomplished using these measurements. There should be no question of ""what did you actually *accomplish* this week""."


"The supposed the-sky-is-falling ""$5000"" figure would require *five hundred* transactions. If anybody actually did that across the 8 days the promotion was active that would require *62.5 transactions per day*.  I think it's more likely that someone was making shit up on the internet."


The importance of social proofing to any business both online and offline cannot be over emphasized. However, this post have just elaborated it all and i think even a newbie will be able to comprehend the benefit of social awareness after going through this article.


Here's something that's not in the article, there is approximately just as much wealth now as there was 10 years ago.  The only thing there is less of is money, which is controlled by gov't/banking collusion.  So when you see an article that blames unions for our troubles, but ignores the greater problem of said collusion, know that the author is either ignorant or trying to mislead you.


tl,dr: I-bonds do not fit well into most personal finance plans. First the questions (succinct reference): I like your thought process weighing your liquidity and risk versus your return.  This is very important.  However, I think you might be sidetracked a bit by I-Bonds.  I-Bonds are not generally good for personal investment as they are not marketable when necessary, have redemption penalties and hold lower overall yields in general.  Finally, they are significantly harder to trade as you can buy and hold a TIPS ETF and get exposure to all maturities and get the current competitive rate all in one purchase. Inflation protection is in general an interesting problem.  While inflation-protected bonds sound like they are great for inflation protection (after all it is in the name), they may not be the best instruments for long/medium term protection.  It is really important to remember that inflation protected bonds have significantly lower returns and one form of inflation protection is to just have more money in the future.  TIPS really protect against large inflation changes as normal bonds have the future expected inflation already baked in their higher rates. Also, when you own a stock you own part of a company and inflation will increase the value of the company relative to the inflated currency.  Foreign stocks can give even more protection if you think inflation in your local currency is going to be higher then the foreign currency.  Stocks in the past have had significantly higher return overall than inflation protected bonds but have higher risk as well. As a medium term, low-risk portfolio, it is worth looking into some combination of TIPS, normal bonds and a small to medium allocation of local/foreign stocks all done through low-fee mutual funds or index ETFs.


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"You have a sequence of questions here, so a sequence of answers: If you stopped at the point where you had multiple wins with a net profit of $72, then you would pay regular income tax on that $72. It's a short term capital gain, which does not get special tax treatment, and the fact that you made it on multiple transactions does not matter. When you enter your next transaction that takes the hypothetical loss the question gets more complicated. In either case, you are paying a percentage on net gains.  If you took a two year view in the second case and you don't have anything to offset your loss in the second year, then I guess you could say that you paid more tax than you won in the total sequence of trades over the two years. Although you picked a sequence of trades where it does not appear to play, if you're going to pursue this type of strategy then you are likely at some point to run into a case where the ""wash sale"" rules apply, so you should be aware of that.  You can find information on this elsewhere on this site and also, for example, here: http://www.marketwatch.com/story/understanding-the-wash-sale-rules-2015-03-02  Basically these rules require you to defer recording a loss under some circumstances where you have rapid wins and losses on ""substantially identical"" securities. EDIT A slight correction, you can take part of your losses in the second year even if you have no off-setting gain.  From the IRS: If your capital losses exceed your capital gains, the amount of the excess loss that you can claim on line 13 of Form 1040 to lower your income is the lesser of $3,000, ($1,500 if you are married filing separately)"


What everyone else is missing is that it's 9% paid with after tax money. Any income you earn on an investment will also be taxed, so you'd need to make a fair bit more than 9% in order to break even with paying off your loan. For example, if your tax bracket is 20%, you have to earn $1.36 for every $1 in loan payment.  Take $100 x 0.09 x 1.36 = $12.24 in pre-tax earnings just for interest every year on $100. Multiply that out for whatever the size  Pay off your loans first - it's a no-brainer.


"Two typical responses to articles/surveys making such claims:  **1. People use other forms of asset for emergency savings because interest rates are low - clearly false.**  **2. People use other forms of saving than a saving account therefore such surveys as the X% can't handle a $500 emergency are wrong on their face - this is false the vast majority use a savings account.**  I've chosen a topic that absolutely annoys the shit out of me every time it comes up, how people save their money. Every time this topic comes up about X% of americans can't come up with $Y dollars in an emergency or have less than $Z in savings someone inevitably chimes in with the linked response. I have *never* seen anyone attempt to source their hand waving response beyond their own anecdote, which is usually a thinly veiled brag about how financially savvy they are with their wealth. Perhaps people who have no assets, or crippling debt don't go out of their way to brag about it...  I could link multiple reddit posts making a similar response, which I address with my own stock response about once every 1-2 months. Instead I've decided to expand with data from several other sources. This is the prototypical good/bad research problem. If you're asserting something, but qualify your statement with, ""I""m sure we'd find...if we looked into..."" then you're doing it wrong. A good researcher or journalist doesn't put bullshit like that in their work because it's their job to actually look for sources of data; data which should exist with multiple government and independent groups. So let's get started (all data as recent as I could find, oldest source is for 2010):  * [Most americans don't invest in the stock market](https://www.federalreserve.gov/pubs/bulletin/2014/pdf/scf14.pdf)  About 48.8% of americans owned publicly traded stock directly or indirectly, with a much smaller percent (13.8%) owning stock directly -  pages 18 and 16 respectively. It's important to note the predominance of indirect ownership which suggests this is mostly retirement accounts. It's entirely possible people are irresponsible with their emergency savings, but I think it safe to say we should not expect people to *dip into their retirement accounts* for relatively minor emergency expenses. The reason is obvious, even if it covers the expense they now have to make up the shortfall for their retirement savings. This is further supported by the same source:  >""The value of assets held within IRAs and DC plans are among the most significant compo-nents of many families’ balance sheets and are a significant determinant of their future retirement security.""  Ibid (page 20, PDF page 20 of 41)  There is also a break down of holdings by asset type on page 16, PDF page 16 of 41.  * [This data is skewed by the top 10% who keep more of their wealth in different asset types.](http://www2.ucsc.edu/whorulesamerica/power/wealth.html) For a breakdown between the 1st, 10th, and 90th percentiles see **table 3.**  So far it seems pretty hard to maintain a large percent of americans have their wealth stored outside of savings accounts, mattresses aside.  * [Here's my original reply as to the breakdown of americans assets by type and percent holding.](https://imgur.com/a/DsLxB) Note this assumes people *have* assets. [Source for images/data.](https://www.census.gov/people/wealth/data/dtables.html)  Most people use savings accounts, with runner up falling to checking accounts. This will segue into our next topic which is the problem of unbanked/underbanked households.  * [A large number of individuals have no assets; breaking down by asset types assumes people *have* assets in the first place.](https://www.fdic.gov/householdsurvey/)  To quote the FDIC:  >*""Estimates from the 2015 survey indicate that 7.0 percent of households in the United States were unbanked in 2015. This proportion represents approximately 9.0 million households. An additional 19.9 percent of U.S. households (24.5 million) were underbanked, meaning that the household had a checking or savings account but also obtained financial products and services outside of the banking system.""*  That's right there are millions of households *so finance savvy* they don't even have bank accounts! Obviously it's because of low interest rates. Also, most people have a checking account as well as savings account, the percent with ""checking and savings"" was 75.8% while those with ""checking only"" were 22.2% (page 25, PDF page 31 of 88). It's possible in some surveys people keep all their money in checking, but given other data sources, and the original claim this fails to hold up. If the concern was interest rates it makes no sense to keep money in checking which seldom pays interest.  This survey also directly addresses the issue of ""emergency savings"":  > *""Overall, 56.3 percent of households saved for unexpected  expenses or emergencies in the past 12 months.""* (page 37, PDF page 43 of 88)  Furthermore:  >*""Figure 7.2 shows that among all households that saved for  unexpected expenses or emergencies, savings accounts  were the most used savings method followed by checking  accounts:* **more than four in five (84.9 percent) kept savings  in one of these accounts.** *About one in ten (10.5 percent)  households that saved maintained savings in the home, or  with family or friends.""*   Emphasis added.  * [Why don't people have wealth in different asset classes? Well they don't save money.](http://cdn.financialsamurai.com/wp-content/uploads/2014/06/savings-rates-by-wealth-class.png)  This is further supported by the OECD data:  * [Americans ""currency and deposits"" are 13% vs 5.8% for ""securities and other shares"" as % of total financial assets.](https://data.oecd.org/hha/household-financial-assets.htm)  Additionally:  * [Interest earning checking accounts: 44.6% of american households (second image)](https://imgur.com/a/DsLxB)  * [""Among all households that saved for unexpected expenses or emergencies, savings accounts were the most used  savings method followed by checking accounts..."" (page 7, PDF page 13 of 88)](https://www.fdic.gov/householdsurvey/2015/2015report.pdf)  * ~70% saved for an emergency with a savings account vs ~24% who used checking. *Ibid.*  In fairness the FDIC link does state *banked* americans were more likely to hold checking accounts than savings accounts (98% vs ~77% respectively) but that doesn't mean they're earning interest in their checking account. It's also worth noting median transaction account value was for 2013 (this is the federal reserve data) $4100."


You will find Joe.E, that rents have increased considerably over the last 4 to 5 years in Australia. You can probably achieve rental yields of above 5% more than 20km from major Cities, however closer to cities you might get closer to 5% or under. In Western Sydney, we have been able to achieve rental yields close to 7%. We bought mainly in 2007 and 2008 when no one was buying and we were getting properties for 15% to 20% below market rates. As we bought cheap and rents were on the increase we were able to achieve higher rental yields. An example of one particular deal where we bought for $225K and rented for $300/wk giving us a yield of 6.9%. The rent is now $350/wk giving us a current yield of 8%, and with our interest rate at 6.3% and possibly heading down further, this property is positively geared and pays for itself plus provides us with some additional income. All our properties are yielding between 7.5% to 8.5% and are all positively geared. The capital gains might not be as high as with properties closer to the city, but even if we stopped working we wouldn't have to sell as they all provide us income after paying all expenses on associated with the properties. So in answer to your question I would be aiming for a property with a yield above 5% and preferably above 6%, as this will enable your property/ies to be positively geared at least after a couple of years if not straight away.


I don't know if this is exactly what you're looking for but Seedrs sorta fits what you're looking for. Private companies can raise money through funding rounds on Seedrs website. It wouldn't necessarily be local companies though. I've only recently found it myself so not sure if it has a uk or European slant to it. Personally I think it's a very interesting concept, private equity through crowd funding.


A. Bank transfer is the normal way to do it. The Law Society will (eventually) make good any losses incurred on money held by solicitors acting fraudulently, so your money should not be at risk, provided you make sure to transfer the money to the account number your solicitor gave you. B. It's not just normal but essential to transfer the money before exchanging contracts, since the deposit has to be paid by your solicitor to the vendor's solicitor as part of the  exchange process. You can't wait to pay the deposit until after you've exchanged, because you haven't exchanged until you've paid the deposit. C. If you really want to put down the 10% deposit now and pay the rest upon completion, that should be possible -- talk to your solicitor about it.


"Except that they underreported the initial amount of people affected by this incentive program as evidence by this article we're all commenting on, which doesn't seem like an ""overcorrection"" to me.  Edit: Credit unions are generally a better option than for-profit banks.  Edit: I feel like saying ""some employees"" is a bit disingenuous considering an estimated 3.5 mil customers were impacted."


You can become an activist share holder with as little as one share depending on your strategy an example of this was Hugh Fearnley-Whittingstall (excellent name) vs Tesco (a huge supermarket, think walmart). He purchased one share which gave him the right to table a resolution at the AGM, then used the media to beat Tesco into submission over his particular issue however very few of the institution share holders (think large banks, pension funds, insurance companies) voted in favor so he failed miserably, but Tesco later caved slightly through fear of bad press. Also Carl Icahn is pretty well noted for doing things like this.  Regarding the amount of money, you would need to raise a hell of a lot to buy enough shares to have anything like enough of a block to influence the company directly, but to attend the AGM, ask questions and generally be a pain in the ass you only need modest amount of shares, in some cases just one share.


Actually What you Can do here, Deposit the money to someones account who has an Account in abroad and Linked to Master Card.  Or Another option is You can take help from two banks Standard Chartard or HSBC, they provide  RFCD Account, which is a Dollar Account and International Cards which you can use in abroad.


I think the points that Edward Conard was making was that the higher the rate investors are taxed, the fewer investors are willing to take the risk.  I think the point he should have brought up is that investors and innovators are completely separate. look at facebook, zuckerberg would probably innovate for the sake of innovating, but the people that put money with him would be more wary of the cost/benefit portion. while 2% may not be a big deal to zuckerberg, it might be to his investors.


"The actual process of ordering food is probably one of the easiest processes in a restaurant. What's not so easy is understanding the movement of your inventory and ways to minimize your waste to maximize what you order and reduce shrink. That comes down a lot to auditing your product (multiple times a day, even).  Make sure before you approach the owners that you develop a business plan. Jumping the gun too early and trying to get in on their operation will come off as naive. You have to deliver the value of having you as a partner/main franchisor. Check out the movie ""The Founder"" if you want to see some of that in action (and check out a pretty decent movie to boot). Business owners usually talk numbers so learn to speak their language once you're able to get a grasp on the finances of the business (which you'll more than likely get to do once you get more management experience)."


Is this the case for self made guys like Elon Musk? He built his fortune himself but was lucky enough to be born an ambitious super genius in the right place and time. Reminds me of something Buffet said about how his investing skills would be useless if he were born to a poor family in a developing country.


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Since you mentioned moving, you can buy real state very cheap here in Mexico that will give you income monthly. I will tell you some numbers in case you're interested. Now to investments: you can buy houses for rent, and prices are as follows: Average house $25k which will give about $220 monthly of income. Let's say you buy 20 of these that would be $4400 USD monthly. Now you have a very high standard here and you will never have to work again, and each year the income will increase about 2% and you still have $576k left.


I am newly applying to finance related jobs, my question is, could someone ELI5 what exactly different sectors within finance are? Like capital markets, derivatives, equity research, wealth management. All of this seems overwhelming coming at it at once.


I agree, one should not let the tax tail wag the investing dog.  The only question should be whether he'd buy the stock at today's price. If he wishes to own it long term, he keeps it. To take the loss this year, he'd have to sell soon, and can't buy it back for 30 days. If, for whatever reason, the stock comes back a bit, he's going to buy in higher.  To be clear, the story changes for ETFs or mutual funds. You can buy a fund to replace one you're selling, capture the loss, and easily not run afoul of wash sale rules.


I think she misses a little bit in that thee definitely needs to be some middle ground. In due respect she did come from an undergrad at Wharton with a background in banking. By the time she entered the MBA she was well averse in the financial and accounting theory. This knowledge can be very useful to those; however, who chose to pursue the topics she discusses (like design, comp sci, engineering, etc.) as undergrads and are now seeking the business acumen necessary to run organizations.   Further, I would like posits, based on her background, that she likely followed a pretty cookie cutter lifestyle throughout most of her career (excelled academically, followed the path academia laid out, etc.).   Like any other experience, an MBA is what you chose to get out of it. If she believed she would further develop accounting and finance skills having already been a Wharton undergrad and banker, then the fault lies with her. Yes, the pursuit of ideas is extraordinarily valuable to MBA's (and arguably they should focus on it more). However, you are an adult by that point, and you should have the maturity and acumen to chose and understand what you want to get out of your degree, even if that means sacrificing grades...


Don't know why you're getting downvoted, wouldn't be worried about a credit crisis until we get bad jobs numbers, so far they've been pretty fucking good. On top of it interest rates are at historic lows. Maybe in the future but not now


> I don't think anyone is blaming animal agriculture on its own for global warming issues. At the same time its undeniable at this point to say animal agriculture is not a leading environmental problem, even if it is 'just 14.5% of emissions', the deforestation, the ridiculous amounts of fresh water needed, and the untreated sewage wastage. .   You have the same problem with soybeans ([Geraldes Castanheira, 2013](http://www.sciencedirect.com/science/article/pii/S0959652613003442)), it's a problem with production that affects all agriculture.  And when you look at plant sources of protein they have very similar water use as meat:  Source|L/kg :--|--: Lentils|1,549 US Pork|1,406 US Beef|1,258 Beans|1,108 NL Beef|829 NL Pork|706 Dried peas|526 US Chicken|490 Oatmeal|439 Hemp seed|429 Artichokes|340 NL Chicken|242 Soybean flour|127  From ([Mekonen, 2012](http://waterfootprint.org/media/downloads/Mekonnen-Hoekstra-2012-WaterFootprintFarmAnimalProducts.pdf)) and ([Mekonen, 2010](http://waterfootprint.org/media/downloads/Report47-WaterFootprintCrops-Vol1.pdf)) looking at blue (surface/ground water) and grey (water needed to clear pollutants) water use.  > Also, so your argument is that hey we're producing enough food for everyone even though its an extremely inefficient way of producing calories - so whats to worry about? As much as we'd like to think we have unlimited resources, we don't. Our gluttony is destroying the planet. In addition to the environmental costs, it simply doesn't make sense to allocate the majority of our crops to feed and grow the billions of land animals when we could allocate those crops to foods that can feed people directly.  The point is that we can double the earth population without running out of food, and then we can add another 40% in the US by simply not throwing away the food, then we can optimize land use, and not all land is suitable for growing crops so we get more food by using it for meat.  Food production is simply not an issue.  > You may not like to admit it, vegan and plant-based when it comes to food are the equivalents of 'clean energy', and animal based foods is akin oil and coal. Which is probably why vegan fast food is attracting the biggest investors. It's the future.  An optimized scenario includes meat as not all land is suitable to farming, and you have seafood and wildlife.  At this point being vegan is more like being religious.


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Yeah, I read that sentence a few times and still don't get what he was trying to say.  I don't think he intended to say that autonomous vehicles aren't safer.  Even the mainstream press is aware that they're expected to be much safer, and articles about autonomous cars usually mention improved safety as an expected benefit.


With a check, there are limits on cashing the stale check, but that is set by the banks involved. With a debit card transaction, it will be up the the debit card company and your bank. Imagine a situation where a person finds an old check and tries to cash it at their bank. If the bank considers the check stale, they might reject it, or put a longer hold on the check. When the check writers bank gets the transaction, they will also decide what to do. If they reject it, the first bank will reverse the transaction. You can't count on a 90 day, or 180 day limit; most banks will ask you to put a stop payment on an old check that you don't want cashed. This is especially important step if you write a replacement check. Because there is no check number to put a stop payment on, in fact the temporary hold will fall off after a few days. There doesn't appear to be a way to stop an old transaction. Be careful if you do contact the restaurant, you could end up double paying for the meal if they swipe your card again.  Your best option may be just to keep the transaction as pending.


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You can ask the client to pay you through the LLC. In that case you should invoice them from the LLC and have them pay the invoice. If they pay you personally, you can always make a capital contribution to the LLC and use that money to buy equipment. The tax implications for a single person LLC providing professional services are the same for you either way: income is income whether it's from your LLC or an employer. It's different for the employer if they are giving you a W2 vs a 1099. So it doesn't matter much for you. If the LLC is buying equipment, make sure you get enough revenue through the LLC to at least offset those expenses.


Ok yeah that's what I believe as well you just put it in better words.This is going to happen if it already doesn't already.The update is just a legal way for insta to cover themselves which is a smart move considering the whole Fyre thing  It's social media, brands popping up could easily be coincidences


Put simply, the advice to never sell a home in CA is based on  Note that #2 is unusual:  property taxes that do not change as the home value rises came about because of a voter ballot measure,  CA Prop 13.  So in California, selling your home will expose the buyer of your home to more property taxes than you had to pay.   This has some odd consequences: This is all fairly unique.  I know property taxes in Tennnessee change as the home increases in value.


Actually, that's impossible; such laws would (and do) constitute prior restraint of trade - no city council would enact such a law, as it's asking for a lawsuit, and is patently illegal and legally indefensible.  In the state of California, the state vehicle code says very specifically that municipalities may ONLY regulate food trucks (or any kind of otherwise legal mobile vendor) for purposes of public safety and health; they cannot legislate competition, or enact laws that favor one type of (established) business against another type of (new, usually) business.  This is why the past 8 lawsuits against municipalities, asking that time limits etc. be abolished, have all been won - either at first or in appeal (and in the case of LA, both) on behalf of the truck operators ... there is no way to argue that a 15 minute or 30 minute limit benefits public health/safety but a 2 hour limit does not.  Laws that say the trucks can't park too near an intersection as they may block drivers' view, that sort of thing is fine - it can easily be argued that such regulation benefits public safety. Same thing with the trucks around schools - as long as other types of large vehicles are also restricted.


"I have bought and sold 18 homes. Yes it sounds like a lot some were flips, some turned to rentals and we have moved many many times. I have had home warranties when the seller offered them. In my experience the warranty company does as little as possible.  For example, hot water heaters; you call the warranty company because the hot water heater is making ticking noises, and its running the gas all the time and you still can't take a 5 minute shower with out running out of hot water. These are all signs that the water heater is full of slide and its gong to blow and flood where ever it happens to be. Will you get a new hot water heater? No, you will pay the $75 for the service call the warranty company will not replace it because ""it still works"". Now after it has flooded you basement or garage, front hall or where ever then they will replace it but not pay for any damage that has occurred.  Same for other things. You can pay that service fee over and over for some slap stick repair that after all the fees and hassle of missing work to wait on the repair person well it would have been cheaper to just pay for a replacement."


Shanghai can not be the international financial center of China, or China's inbound/outbound trade, as long as it does not have rule of law.  Even Chinese corporates go to Hong Kong to sign contracts because the commercial legal system is efficient, fair, and predictable.  Shanghai is a city (and a great one, no doubt!) doing business in a restricted, capital-controlled currency, under a legal system which is corrupt and arbitrary.  You wouldn't want to get into a dispute there with, say, Bank of China.  When there is a trusted legal system in China then finance will follow.  Meanwhile, show me anyone who wants to sign an ISDA agreement under Chinese law, subject an international bond indenture to Chinese law (rather than New York or English law), or do a securitization using Chinese law or counterparties.  HK's biggest problem may be that the Mainland is imperiling rule of law in the SAR.  If that is lost, the city has no reason to exist.


Muscle memory is hard to abandon. Who spent years developing a model understandably wants to maintain control and automatism. Thus my original question: how and at what conditions you transitioned a team from embedded formulas to a proper separation? In my experience when you demonstrate data has become increasingly erroneous as manual updates progressed. And when lack of collaboration features where perceived with enough pain.


I think your confusion has arisen because in every transaction there is a buyer and a seller, so the market maker buys you're selling, and when you're buying the market maker is selling. Meaning they do in fact buy at the ask price and sell at the bid price (as the quote said).


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I would think a depressed housing market might be the BEST time to buy, is this not correct? There are foreclosures where banks are letting houses go for half of their standard value, and are offering some of the lowest interest rates ever. In a strong economy you could be looking at around 10% APR, I see this as a situation where it's a buy low sort of time.


The real problem is everyone thinks they need a degree. A lifelong of crippling student debt is an indicator you had no business being in college. Its hard for people in America to accept that their time just isnt worth all that much.


"This is the best tl;dr I could make, [original](http://www.economicsherald.com/canadian-inflation-is-accelerating-in-september-2017/) reduced by 55%. (I'm a bot) ***** > The Canadian inflation is accelerating at a slower than expected rate in September 2017, according to the data from the national statistics office.  > The consumer prices rose by 0.2% on a monthly basis, after the previous month&#039;s increase was 0.1% and against estimates for growth of 0.3%. On an annual basis, Canadian inflation is 1.6%, which corresponds to expectations and is more than the 1.4% CPI growth in August.  > On an annual basis, underlying inflation slowed from 0.9% in August to 0.8% in September.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/789pqx/canadian_inflation_is_accelerating_in_september/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~233666 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **basis**^#1 **inflation**^#2 **expected**^#3 **growth**^#4 **September**^#5"


"Nope, not deductible. It's true that some investment expenses are deductible, mainly as ""miscellaneous itemized expenses"", though only the amount that exceeds 2% of your adjusted gross income.  But as explained in IRS Pub 550, which lays out the relevant rules: Stockholders' meetings.   You cannot deduct transportation and other expenses you pay to attend stockholders' meetings of companies in which you have no interest other than owning stock. This is true even if your purpose in attending is to get information that would be useful in making further investments."


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"Yeah, it is probably best to keep away from Meyer International. It is apparently connected to some kind of business called ""Royal Siam Trust."" If you do any online research about Royal Siam Trust, the words ""scam"" and ""fraud"" seem to appear an awful lot. The name ""Richard Cayne"" comes up as well. Not a good sign....."


NN/ES based approaches are much more non-transparent compare to traditional statistical learning approaches.     Worse are the RL algos (i.e., actual learning instead of just classification), most dont have closed form formuli and are not optimal.     Machine learning 1.0/big data was limited by data and compute. Machine learning 2.0 is only limited by compute.


Will never be a Uber customer. I prefer my taxis to be a sustainable business, where drivers make an actual wage, which is above the minimum hourly rate for 17 year old kids.  Currently the most efficient Uber driver can make around 10 cents per mile, in net income. Or less than $4 an hour, even if driving non-stop.


"Why don't they raise wages then? Adjust the prices for labor costs and call it a day? Working fast food you're not exactly building valuable workplace skills and your life is more or less on hold, they may as well pay you enough to exist. There is also the question of making sure it's relatively isolated to the area. You can live off working at McDonalds for $10/hr in someplace like Missouri where the COL is super low but as soon as you go someplace like the city that becomes starvation wages.              I think companies like the leverage of starvation wages though, it creates a situation where the worker doesn't have anywhere to go and no time to work upward creating a perpetual cycle of working for low wages and being unable to mobilize. I think companies like this because it may reduce turnover. Raising the wages a little more gives people room to develop skills and bounce. At most of my jobs the managers openly talked about not promoting people in school ""because they were just gonna leave anyways"" which about sums up how I feel about it."


50 (dollars, Euros?) is a very small amount to invest. The first time I ever bought stock I picked a winner. It went up by about 40% in the first few months. I sold it and lost money. How? I only bought 10 shares at $7.50 each. The profit was less than the two commissions for buying and selling (about $17 a piece). If you are thinking of buying individual stocks, You simply need to save up more money before it will be practical. If you are not trying to beat the market, which is probably not something an amateur like you or I should attempt, then you should consider low cost index funds. I have money in mutual funds, some of which, have as low as a $100 minimum investment. I have moved entirely away from picking stocks. It was a good experience and I could afford to lose the money, but as a long term strategy, it just was not working for me. Note: This is coming from an American. If this somehow does not apply in Europe...


It's not so much a credit card, but a financial institution's online platform that either provides this functionality or not. The following Canadian financial institutions show an itemized list of pre-authorized transactions (not an exhaustive list):  The following institutions show a total value of pre-authorized transactions: Most other institutions show the available credit (e.g. Chase Financial used by Amazon Rewards), which give an indication of how much you have to spend. By subtracting the current balance and the available balance from the total credit limit, you can get an indication of the total amount of pre-authorized transactions. Example: $1000 - $500 - $400 = $100 is the amount of pre-authorized transactions. From TD's EasyWeb demo (http://tdeasywebdemo.com/v2/#/en/PFS/accounts/activity/chq), it appears that they don't include pre-authorized transactions in the Available Credit. You can verify for yourself by logging in to online banking after you make a purchase and comparing the Available Credit to [Credit Limit - Current Balance]. If it is equal, then they don't include, if it is different (most likely for the value of the transaction), then they do.


"While your implications make wrist-band.com (local wristbrand/lanyard company out of Sugar Land, lmao) seem a goliath, they're a nobody small company with a shitty business model.  So let's not act like small businesses are being driven out of business when the opposite is true.    Anyways, (god I can't take this serious, ""profits"" in this context is so hilarious, I doubt the money coming from a lanyard company is just rolling in the dough) it's real simple; Google is a huge platform that has some safeguards to prevent fraud, blah blah, unethical sellers, what have you.    Therefore, things slip!  If you'd like, why don't you try to go ahead and do something about instead of posting a ridiculous rant.    Here's Google My Business guidelines from a quick search.  I'm sure you can report a business that breaks these guidelines and the appropriate action will take place.    I'm still laughing at the premise of this."


Get a job, if you don't have one right now. Take deductions from your paycheck for an IRA or 401K if the company has one.


"I worked on a competing app a few yeas back. The primary use case isn't high-rollers wanting to save some money by selling off unused seats, it's the charter company wanting to recoup costs on completely empty planes. If they fly someone from NYC to Seattle and that person isn't returning to NYC for a week, they aren't just going to leave the plane there for the duration. So they need to reroute the plane to the next pickup point—and usually, they're doing that with no one on the plane, which is a ""dead leg"" in industry parlance.   The selection is pretty limited (compared to commercial airlines), and due to FAA regulations, they have limits on how far in advance they can advertise, so it's limited to basically 24 hours notice. You'll almost never be able to use any of these services to fly both ways on a trip. All the existing services I'm aware of also require chartering the entire plane, not just getting a seat, which leaves you to try to find a large group of people to share the cost."


Normally, you don't pay capital gains tax until you actually realize a capital gain.  However, there are some exceptions. The exception that affected Eduardo Saverin is the expatriation tax, or exit tax.  If you leave a country and are no longer a tax resident, your former country taxes you on your unrealized capital gains from the period that you were a tax resident of that country.  There are several countries that have an expatriation tax, including the United States.  Saverin left the U.S. before the Facebook IPO. Saverin was perhaps already planning on leaving the U.S. (he is originally from Brazil and has investments in Asia), so leaving before the IPO limited the amount of capital gains tax he had to pay upon his exit.  (Source: Wall Street Journal: So How Much Did He Really Save?) Another situation that might be considered an exception and affects a lot of us is capital gain distributions inside a mutual fund.  When mutual fund managers sell investments inside the fund and realize gains, they have to distribute those gains among all the mutual fund investors.  This often takes the form of additional shares of the mutual fund that you are given, and you have to pay capital gains tax on these distributions.  As a result, you can invest in a mutual fund, leave your money there and not sell, but have to pay capital gains tax anyway.  In fact, you could owe capital gains tax on the distributions even if the value of your mutual fund investment has gone down.


"Hearing somewhere is a level or two worse than ""my friend told me.""  You need to do some planning to forecast your full year income and tax bill. In general, you should be filing a quarterly form and tax payment. You'll still reconcile the year with an April filing, but if you are looking to save up to pay a huge bill next year, you are looking at the potential of a penalty for under-withholding.  The instructions and payment coupons are available at the IRS site.  At this point I'm required to offer the following advice - If you are making enough money that this even concerns you, you should consider starting to save for the future. A Solo-401(k) or IRA, or both. Read more on these two accounts and ask separate questions, if you'd like."


"If you are considering this to be an entry for your business this is how you would handle it.... You said you were making a balance sheet for monthly expenses. So on the Balance Sheet, you would be debiting cash. For the Income Statement side you would be crediting Owner's Equity to balance the equation: Assets = Liabilities + Owner's Equity So if you deposited $100 to your account the equation would be affected thus: $ 100 in Assets (Debit to Cash Account) = 0 Liabilities - $100 (Credit to Owner's Equity) It is correctly stated above from the bank's perspective that they would be ""Crediting"" you account with $100, and any outflow from the bank account would be debiting your account."


"I don't like buying individual bonds for my own portfolio.  I actually used to buy long-term government strip bonds (Canadas or provincial bonds) but I stopped.  Here are some reasons why: My broker allows me to purchase bonds via their web application.  However, to sell a bond, I had to call in to the fixed-income trading desk.  That was inconvenient.  (But your broker may be different.) Bonds don't typically trade on a formal exchange.  So, there's no cheap & easy way (as far as I know) to get an independent quote for a bond's value – I had to trust what my broker said my bond was worth when assessing my portfolio performance.   I asked my broker once how they arrive at the ""market value"" shown – i.e. whether it was last bid, ask, or actual trade – and I was told they use a third party bond quotation / valuation information provider for the data, and that quotes are an estimate of what the bond would be worth, based on similar bonds.  I quickly learned that wasn't the value I could actually get when selling it: When you're dealing with your broker to buy and sell bonds, you're likely dealing with theirs or a related investment bank which makes a market for specific issues of bonds.  While I wasn't being charged an explicit commission to buy or sell bonds, it was evident the broker makes money off the spread:  That is, the difference between what they would be willing to sell a bond for and what they would be willing to buy that same bond for.  They will buy your bond back from you cheaper than what they could turn around and sell it to somebody else for.  That's why they don't charge an explicit commission... it's built in and hidden! Anyway, when I finally discovered my broker would seldom actually offer me the ""market value"" quoted for my bonds (typically, it would be bought back for a few percent less than it were theoretically worth), I gave up.  I don't think bonds simply are liquid enough, nor the costs transparent enough for retail investors.  (Or maybe it's just me :-) However, I do think bonds remain an important part of a diversified portfolio:  Bonds ought to be represented in a diversified portfolio using low-cost bond index mutual funds or exchange-traded funds.  Since these funds buy & sell bonds in large quantities, they get a better deal on the spreads.  So, while you do pay an explicit management fee for a fund, you are probably saving since you're not getting shafted on the spreads."


"What makes a ""standard"" raise depends on how well the economy is doing, how well your particular industry is doing, and how well your employer is doing. All these things change constantly, so anyone who says, ""a good raise is 5%"" or whatever number is being simplistic. Even if true when he said it, it won't necessarily be true next year, or this year in a different industry, etc. The thing to do is to look for salary surveys that are reasonably current and applicable. If today, in your industry, the average annual raise is 3% -- again, just making up a number -- then that's what you should think of as ""standard"". If you want a number, okay: In general, as a first-draft number, I look for a raise that's 2% or so above the current inflation rate. Yes, of course I'd LIKE to get a 20% raise every year, but that's not going to happen in real life. On the other hand if a company gives me raises that don't keep pace with inflation, than barring special circumstances I'm going to be looking for another job. But there are all sorts of special circumstances. If the economy is in a depression and unemployment in my field is 50%, I'll probably figure I'm lucky to have a job at all and not be too worried about raises. If the economy is booming and all my friends are getting 10% and 20% raises, then I'll want that too. As others have said, in the United States at least, the best way to get a pay raise is to change jobs. I think most American companies are absolutely stupid about this. They don't want to give current employees big raises, so they let them quit, and then hire replacements at a much higher salary than they were paying the guy they just drove to quit. And the replacement doesn't know the company and may have a lot to learn before he is fully productive. And then they congratulate themselves that they kept raises this year to only 3% -- even though total salaries paid went up by 10% because the new hires demanded higher salaries. They actively punish employees for staying with the company. (Reminds me of an article I read in a business magazine by an executive of a cell phone company. He bemoaned the fact that in the cell phone industry it is very hard to keep customers: they are constantly switching to other vendors. And I thought, Duh, maybe it's because you offer big discounts for the first year or two, and after that you jack your prices up through the roof. You actively punish your customers for staying with you more than 2 years, and then you wonder why customers leave after 2 years.) Oh, if you do change jobs: Absolutely do not buy a line of ""we'll start you off with this lower salary but don't worry because you'll get a big raise in a year"". When you're looking for a job, it's very easy to turn down a poor offer. Once you have taken a job, leaving to get another job is a big decision and a lot of work. So you have way more bargaining power on starting salary than on raises. And the company knows it and is trying to take advantage of it. Also consider not just percentage increase but what you're making now versus what other people with similar experience are making. If people comparable to you are making $50k and you're making $30k, you're more likely to get a big raise than if you're already making $80k. If the company says, ""We just don't have the budget to give you a raise"", the key question is, ""Is that true?"" If the company is tottering on the edge of bankruptcy and trying to cut costs everywhere, then even if they know you're a good and productive employee, they may really just not have the money to give you a good raise. But if business is booming, this could just be an excuse. It might be an excuse for ""we're trying to bleed employees white so the CEO can get another million dollar bonus this year"". Or it might be a euphemism for ""you're really not a very useful employee and we're seriously thinking of firing you, no way we're going to give you a raise for the little bit of work you do when you bother to show up"". My final word: Be realistic. What matters isn't what you want or think you need, but what you are worth to the company, and what other people with similar skills are willing to work for. If you are doing work that brings in $20k per year for the company, there is no way they are going to pay you more than $20k for very long. You can go on and on about how expensive it is these days to pay the mortgage and pay medical bills and feed your 10 children and support your cocaine addiction, but none of that is relevant to what you are worth to the company. Likewise if there are millions of people out there who would love to have your job for $20k, if you demand a lot more than that they're going to fire you and hire one of them. Conversely, if you're bringing in $100k a year for the company, they'll be willing to pay you a substantial percentage of that."


"A long time ago, in a galaxy far far away, Rollover IRAs were used for funds that came from (were rolled over from) a 401(k) account or a 403(b) account. All that money (including any earnings in the interim) could be rolled over into a 401(k) plan with a new employer etc.  One could make a regular contribution to a Rollover IRA but once such a commingling of money occurred, none of the money in the Rollover IRA could be rolled over into a 401(k) account etc. In those good old days when contributions to IRAs were made by paper check and ""deposit slip"", one had to write a letter to the Rollover IRA custodian certifying that the IRA owner understood that the contribution would destroy forever the possibility of rolling over the money into another 401(k) etc. All this went by the wayside a few years ago when the law changed and the distinction between Rollover IRAs and ordinary Traditional IRAs was eliminated. Commingling of IRA contributions and Rollover money from 401(k)s are permitted, and the entire IRA balance could be rolled over into a new 401(k) plan (provided the new plan accepted rollovers). However the adjectives still persist; like chili555, I too have IRAs that are still called Rollover IRA, they all have commingled funds, and if the law ever changes back, none of those IRA accounts would be eligible for rolling over into a new 401(k)."


"Nope.  Sorry.  Trump has been too hypocritical in his dealings, and has behaved poorly.  He isn't a man of honor, and he isn't a studious business man with a clean reputation.  He represents none of the things I look for in leadership.  I want to solve problems, and Trump and Hillary have both shown a proclivity for creating problems.  I voted for neither, as I don't want either of them in office.  That aside, I'd like to find an adequate solution to the issues at hand, not a reason to announce sides to an already divided country.  We shouldn't be saying ""Join Trump"" or ""Hate Trump"".  We should be saying, ""Let's fix all these issues in a reasonable fashion, that helps and works for all of us, leaving not even the smallest or weakest American out."


"I had an HSA for two or three years. I found very routinely that my insurance company had negotiated rates with in-network providers. So as I never hit the deductible, I always had to pay 100% of the negotiated rate, but it was still much less than the providers general rate. Sometimes dramatically so. Like I had some blood and urine tests done and the general rate was $450 but the negotiated rate was only $40. I had laser eye surgery and the general rate was something like $1500 but the negotiated rate was more like $500. Et cetera. Other times it was the same or trivially different, like routine office visits it made no difference. I found that I could call the insurance company and ask for the negotiated rate and they would tell me. When I asked the doctor or the hospital, they either couldn't tell me or they wouldn't. It's possible that the doctor's office doesn't really know what rates they've agreed to, they might have just signed some contract with the insurance company that says, yes, we'll accept whatever you give us. But either way, I had to go to the insurance company to find out. You'd think they'd just publish the list on a web site or something. After all, it's to the insurance company's advantage if you go to the cheapest provider. With a ""regular"" non-HSA plan, they're share of the total is less. Even with an HSA plan if you go to a cheaper provider you are less likely to hit the deductible. Yes, medical care in the U.S. is rather bizarre in that providers routinely expect you to commit to paying for their services before they will tell you the price. Can you imagine any other industry working this way? Can you imagine buying a car and the dealer saying, ""I have no idea what this car costs. If you like it, great, take it and drive it home, and in a few weeks we'll send you a bill. And of course whatever amount we put on that bill you are legally obligated to pay, but we refuse to tell you what that amount will be."" The American Medical Association used to have a policy that they considered it ""unethical"" for doctors to tell patients the price of treatment in advance. I don't know if they still do."


Paslanmaz Çelik Örgü Eldiven   Paslanmaz Çelik Örgü Eldiven , bağımsız çelik halkalardan oluşur.Kesici sistemlerde , keskin aletlerin  kullanımında kullanılan çelik örgü eldivenler üst düzey koruyucu özelliğe sahiptir.  Daha çok kasap eldiveni olarak bilinen bu ürün , kullanım alanı sadece kasaplarla sınırlı değildir.Diğer kesici  aletlerin olduğu bütün sektörlerde çelik örgü eldivenler iş güvenliği için olmazsa olmaz ürünlerden biridir.  Avrupa Birliği uyum yasaları  çerçevesinde  kesici aletler kullanımında iş güvenliğin sağlanması açısından çelik  örgü eldivenlerin kullanılması zorunluluk hale gelecektir.   Çelik Örgü Eldivenlerin Kullanım Yerleri : Et işleme tesisleri , kasaplar ,demir çelik makina imalatı yapan   işyerleri , cam üretim ve işleme tesislerinde, el işçiliğinin yoğun olduğu sanatlarda, metal işleme .vb alanlarda  kullanımı mevcuttur.   Çelik örgü eldivenler ters yüz  olarak kullanılabilir.Hem sağ hem sol elde kullanma imkanı vardır.  Naylon toka sayesinde çelik örgü eldivenler istenilen el boyutuna göre ayarlanabilir.   Çelik eldivenler , genelde farlı iki tür modele sahiptir.  Birinci model çelik örgü eldivenler her türlü el ölçüsünde kullanılabilir.   İkinci model çelik örgü eldivenler ,  s m l gibi ölçülere sahiptir.Çelik eldiven boyutları tamemen kullanıcının el  bilek ölçüsüne göre imal edilir.Bu ikinci modeller birinci modellere göre fiyat olarak biraz daha fazladır.   Çelik örgü eldivenlerin özellikle  Çin de ve Almanya'da üretimi yapılmaktadır.Alman çelik örgü eldiven  firmaları kalitekonusunda oldukça iyidir.Alman çelik örgü eldiven fiyatları Çin çelik örgü fiyatlarına göre  oldukça pahalıdır.   Çin'de  çelik örgü eldivenleri standartlara uygun olarak üreten firmalar da mevcuttur .Çin'deki çelik örgü eldiven fiyatları  toptan alım ve ödeme yöntemine göre oldukça farklılaşır.      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denetim ve iyileştirme,  temel iş sağlığı,  güvenlik eğitimi,  acil durum planı çalışmaları,  acil durum eğitimleri,  yangın eğitimi,  yasal yükümlülük takibi,  işyeri hekimi istihdamı,  işyeri diğer sağlık personeli,  sabit ve mobil sağlık taramaları,  poliklinik hizmetleri, birinci basamak sağlık hizmetleri,  acil müdahele,  meslek hastalıkları eğitimleri,  koruyucu sağlık eğitimleri,  sağlık raporları, temel ilkyardım eğitimi


My main criterion for choosing a broker is the fee schedule. I care about investing in index funds and paying as little as possible in fees. In the US that brings everyone to Vanguard or Fidelity, and currently Vanguard edges Fidelity out on costs for the particular funds I am invested in.


"No surprise - a new generation of managers must plump their résumés with buzzwords, and ""outsourcing"" sounds as cutting edge as ""Victrola"" or ""carburetor"" these days. Plus, it requires larger on-shore resources to explain things over and over to the offshore workers, and they're running out of folks to outsource.  So, since all managers are dynamic innovators, we need a new concept and a new shovel-ready buzzword. Voila!"


Yeah, my bet is that there's some dirty laundry there. They literally just released great numbers for the quarter and it looked like they were coming out of the metaphorical well.  No announcement in advance, nothing. The COO too? Seems really fishy to me.


It is known as the range or the price spread of the stock. You can read more about it here http://www.investopedia.com/terms/r/range.asp


"I recently bought a ticket to a really good soccer game on Vivid Seats, since Ticketmaster, the official vendor, was ""sold out"". In reality, scalpers had purchased huge swaths of ticket real estate and were selling thousands of tickets on resale sites. Ticket was $220. Fee was $50.  I never go to big events, so didn't realize that was the model. As a sort of first-timer coming in, the whole thing seemed ridiculous, knowing I was paying an inflated price, and that the app charges $50 so a ticket appears on my phone."


Seriously? This is what my taxes go to? Telling private companies how loud their commercials should be. If their commercials are too loud do I also pay of a dude to call them up and fine them? If they don't pay do I also pay of an attorney to represent them? And if they lose in court do I pay of a jail to house them?   Why not just be a big boy and turn the volume down when it's too loud.   What's next, I buy a CD and it has to be a constant level? If one track is louder and it upsets me I can ask the government to regulate how loud CD's are!!   **FUCKING REGULATE IT YOURSELF, WITH YOUR GOD DAMN REMOTE CONTROL!!**  How fucked up is America? We are talking about something so pointless here.


>They have somewhat of an idea of what to do, they just can't seem to get it done.  I've seen this first-hand, the car's driving off the cliff and you have the entire executive team at the wheel. They all see it coming, but with all the hands pulling at the wheel the car just goes straight ahead.  The problem isn't that they don't know what to do, it's the questioning and second-guessing of all the decisions being made. There should be a flow of debate-decision-execution in the boardrooms but instead it's debate-decision-debate-decision... until there's no more time and the executive team bails out of the car to save their own skin.


I would join finance and economics clubs. Network with other Engineering -> IB people. Try to land a sophomore summer finance internship.   When you walk into IB interviews you want to show that you've been focused on this for a while, and your not some goober that decided to apply for the hell of it.


"My experience with different brands in the US this year is $250 and $400.  If this is the differential in you choosing a brand for a rental, best to call the reservation number for each contender and ask what their hold will be. I am not sure what a ""definitive"" answer would be.  There is a tension between ""risk mitigation"" and ""poisoning your brand reputation"" that each company will answer differently, and answer differently over time. Even an actuarial answer has to be transformed into company policy through competing soft factors."


While stealing the identities of the deceased for claiming their social security benefits and so on is not new, this is the first I'd heard of someone stealing identities for the purpose of going after their tax refunds. I'd think it wouldn't be that worthwhile, considering the punishment likely if you get caught.


I genuinely would like to, but this is still a very contentious subject and I am concerned about blowback from my little bit segment of the community. That makes me unwilling to be a whistleblower in a formal setting. Unfortunate situation all around. But there is growing literature on the reproducibility problem, so you can find a lot of commentary and published data on the situation.


I would like to open an art studio. Not necessarily a gallery, but a place where I can do animation, digital art, branding/logos, and freelance stuff. Also, do some filming there. So an art-production studio.  It's what I enjoy but I live in an area that is too rural for that kijnd of thing. But idk, it might work.


Bumping the employee portion of the SS tax back up will reduce the amount of money people have to spend, affecting the economy.    Ditto for an increase in the personal income tax.  Last year, the country flirted with going into default over the debt ceiling.  That scared the piss out of the markets.


You are undeniably wrong. You repeat over and over about taking gen Ed classes for the first two years. That advice, relevant and specific to This thread, greatly diminishes his ability to finish a CS degree on time. Yea he might be able to explore and do classes other than finance ones since he won't be getting into it. But the purpose of this thread is to make a decision between three specific majors. One of those majors requires you to be in classes early to graduate on time. Note: http://www.cs.uic.edu/Main/Courses


I understand that, and it is important, but you have to consider their size.  As I mentioned, they are the world's largest private employer now.  They use their size too much to their advantage.  They are a monopoly.  > really. there are no other places a person with that level of training can work?  If there was, we probably wouldn't be having this conversation.  They take so many other businesses out, drive so much wealth to so few, that there is no other place to work for those with that skill-set.  What other discount retailer is there one Walmart has come to town?


Take a look at Everbank. They offer CDs and Money Market Accounts denominated in Euros for US residents.  https://www.everbank.com/personal/foreign-currencies.aspx


$15 being how much it costs to drive a car about 10 miles, and does not account for a driver's time.  Hilarious shit, from the biggest payday loan scam the planet has ever seen. Because Uber is nothing but a scam where you work your ass off, to steal money from your future self, and give 25% of it to Uber!  But if you think 6 cents a mile is a decent wage for a cab driver (which is what you can make, if you are lucky), then by all means, please sign up!


[Nope] (https://blogs.wsj.com/wealth/2010/07/13/worlds-rich-are-hording-10-trillion-in-cash/). It's all hoarded in various index accounts, mostly off-shore for obvious reasons. They want to protect their wealth, which is fine. But if you want to protect wealth you don't invest it all in means of production or real-state, which are both vulnerable to heavy crashes. You keep it protected interest-yielding accounts, in places like the Cayman Islands, or Switzerland.


"This is the best tl;dr I could make, [original](https://insight.kellogg.northwestern.edu/article/is-an-unpredictable-leader-good-for-national-security) reduced by 88%. (I'm a bot) ***** > From the U.S. perspective, Baliga points out, &quot;These are two different games. One is a game of escalation; the other is a game of deterrence.&quot; Recognizing this is critical, because each requires a different response.  > As Baliga puts it: &quot;In national security, predictability can definitely pay.""  > &quot;If you are a truly mad leader, why would anyone change their behavior as a function of what you do? If they know you might do something crazy whether they do something you like or not, they might just say &#039;the hell with it, I&#039;ll do whatever I want.&#039; The &#039;madman&#039; actually has to be clever, doing something crazy if you don&#039;t do what he wants and being accommodating if you do. In that case, well, he&#039;s no longer mad.&quot;.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6jh8w7/is_an_unpredictable_leader_good_for_national/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~152472 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Baliga**^#1 **might**^#2 **game**^#3 **U.S.**^#4 **more**^#5"