If it's money you can lose, and you're young, why not?  Another would be motifinvesting where you can invest in ideas as opposed to picking companies. However, blindly following other investors is not a good idea.  Big investors strategies might not be similar to yours, they might be looking for something different than you.  If you're going to do that, find someone with similar goals. Having investments, and a strategy, that you believe in and understand is paramount to investing.  It's that belief, strategy, and understanding that will give you direction.  Otherwise you're just going to follow the herd and as they say, sheep get slaughtered.


What, stomping everyone else into the ground?  [What HAS](https://www.google.com/amp/s/arstechnica.com/tech-policy/2016/10/comcast-sues-nashville-to-halt-rules-that-help-google-fiber/%3Famp%3D1) [Comcast been](https://www.google.com/amp/s/arstechnica.com/tech-policy/2017/08/comcast-sues-vermont-to-avoid-building-550-miles-of-new-cable-lines/%3Famp%3D1) [doing with](https://consumerist.com/2014/05/10/why-starting-a-competitor-to-comcast-is-basically-impossible/) [its time?](https://consumerist.com/2017/05/24/comcast-threatens-legal-action-against-net-neutrality-advocates-over-comcastroturf-com/)  Nah.  Big business never tries to stomp out its competition, or get rid of consumer protections, or any of that lousy crap people accuse them of doing.  But the government does EVERYTHING they say it does.  /s  The hypocracy is real.  Let’s look all sides’ evidence and decide for ourselves, rather than being content as mouthpieces for hypocrites.


">So why not talk to your employer, and ask them to pay you in gold dust? Then when tax time comes, just convert some gold dust into the amount of USD in taxes you owe.   Because selling gold and buying dollars has an effect on the market:  it reduces the value of gold, and increases the value of dollars.  Understand?  So being forced to use dollars *artificially increases the value of dollars*.  The reason we are forced to use Dollars is because the central bank has the monopoly on printing dollars.  Without legal tender laws, that monopoly would be worthless.  >Of course, you'd have to find farmers and shoemakers and electronic stores willing to accept payment in gold dust as well...  As the value of gold increases over time, the government taxes the increased value as ""capital gains tax"".  So gold cannot be money under these circumstances - the government considers it an investment now."


"Visa Electron should be usable in any ATM (and shop) that accepts Visa, especially if the ATM also contains the ""Plus"" logo. However, if it's (for example) the card issued by La Banque Postale (in French) there are quite low withdrawal and spending limits.  These limits are over a period of the most recent seven days, so it can take a while before you can withdraw more.  So maybe not suitable to transfer a significant amount to your CZK account. As an alternative to finding an ATM that might have a fee, you can maybe use it to buy something small, then get cashback from stores that offer that. As it's a debit card, it needs to check the balance in real-time, so there are reports of it being often declined if it can't get a fast response from the home bank. In other words, make sure you have an alternative."


I work in manufactoring. It's not 2% margins for us. If you're in a dying service/business with a unpopular product well that's just the market.   Who forced you to go into that industry? Free market is just that free, you shouldn't be subsidized for a product that can't compete or isn't popular.   Truth is harsh. You're angry, but your energy would be spent better finding viable alternatives rather than trying to save a sinking ship. If 5% will sink you, then you're already not doing well before these changes back to normal level tax.


"Normally, I'd say that because of the ""magic of compound interest"", balances of high rate cards shoot up rapidly, so pay off the high rate cards one by one until they're all zero. In this case, though, 23%, 20% & 19% are close enough that I'd pay off the card with the highest balance, then 2nd highest, then 3rd and leave the 13.24% card for last. Note that -- sooner than you think -- other card companies will send you low-rate balance transfer.  Take one ASAP and pay it down as much as possible so that when the low introductory rate is over, the balance on your now-high-rate card is low. Bottom line: balances on high interest rate card accumulate incredibly quickly, so kill them first one at a time."


The short answer to your question is yes.  Company performance affects stock price only through investors' views. But note that selling for higher and lower prices when the company is doing well or poorly is not an arbitrary choice.  A stock is a claim on the future cash flows of the firm, which ultimately come from its future profits.  If the company is doing well, investors will likely expect that there will large cash flows (dividends) in the future and be willing to pay more to hold it (or require more to sell it).   The price of a stock is equal what people think the future dividends are worth.  If market participants started behaving irrationally, like not reacting to changes in the expected future cash flows, then arbitrageurs would make a ton of money trading against them until the situation was rectified.


I work in equities at a buyside firm (think pension fund), and we have a pretty fit, west-coast style to the office.  Most of my floor is probably in their 40s or 50s, and while there definitely are some less healthy traders and PMs, there's also a ton of work-health initiatives for people willing to seize them. Examples include standing desks (which the traders all use), an office gym, bike to work weeks, a department rowing team etc. The majority of people seem to be in at least average shape.  Also, I feel like my office is very gender-diverse which I think really helps. It prevents the office culture from becoming too much of a boy's club where it's okay to just eat junk food all day.


I totally believe you. I worked with an Admiral level guy that would dictate his email, have his secretary type it,  then he would correct it with a pen,  have her type it again, and bring it to him to approve. Once it was approved then she would email the message.


"Bit hesitant to put this in an answer as I don't know if specific investment advice is appropriate, but this has grown way too long for a comment. The typical answer given for people who don't have the time, experience, knowledge or inclination to pick specific stocks to hold should instead invest in ETFs (exchange-traded index funds.) What these basically do is attempt to simulate a particular market or stock exchange. An S&P 500 index fund will (generally) attempt to hold shares in the stocks that make up that index. They only have to follow an index, not try to beat it so are called ""passively"" managed. They have very low expense ratios (far below 1%) and are considered a good choice for investors who want to hold stock without significant effort or expense and who's main goal is time in the market. It's a contentious topic but on average an index (and therefore an index fund) will go even with or outperform most actively managed funds. With a sufficiently long investment horizon, which you have, these may be ideal for you. Trading in ETFs is also typically cheap because they are traded like stock. There are plenty of low-fee online brokers and virtually all will allow trading in ETFs. My broker even has a list of several hundred popular ETFs that can be traded for free.  The golden rule in investing is that you should never buy into something you don't understand. Don't buy individual stock with little information: it's often little more than gambling. The same goes for trading platforms like Loyal3. Don't use them unless you know their business model and what they stand to gain from your custom. As mentioned I can trade certain funds for free with my broker, but I know why they can offer that and how they're still making money."


Indiabulls. Low brokerage (If you bargain) I'm user of it and I'm getting 25paisa for delivery and 5 paisa for intraday. All transactions can be done online. Also they provide an stand alone application PowerIndiabulls, which is too good and appraised by many users as best in the industry. Not sure about it, but I think Powerindiabulls application is the answer for this. Please have a look at their website for more details.


To follow up on Quid's comment, the share classes themselves will define what level of dividends are expected. Note that the terms 'common shares' and 'preferred shares' are generally understood terms, but are not as precise as you might believe.  There are dozens/hundreds of different characteristics that could be written into share classes in the company's articles of incorporation [as long as those characteristics are legal in corporate law in the company's jurisdiction]. So in answering your question there's a bit of an assumption that things are working 'as usual'. Note that private companies often have odd quirks to their share classes, things like weird small classes of shares that have most of the voting rights, or shares with 'shotgun buyback clauses'. As long as they are legal clauses, they can be used to help control how the business is run between various shareholders with competing interests. Things like parents anticipating future family infighting and trying to prevent familial struggle. You are unlikely to see such weird quirks in public companies, where the company will have additional regulatory requirements and where the public won't want any shock at unexpected share clauses. In your case, you suggested having a non-cumulative preferred share [with no voting rights, but that doesn't impact dividend payment]: There are two salient points left related to payout that the articles of incorporation will need to define for the share classes: (1) What is the redemption value for the shares? [This is usually equal to the cost of subscribing for the shares in the first place; it represents how much the business will need to pay the shareholder in the event of redemption / recall] (2) What is the stated dividend amount? This is usually defined at a rate that's at or a little above a reasonable interest rate at the time the shares are created, but defined as $ / share. For example, the shares could have $1 / share dividend payment, where the shares originally cost $50 each to subscribe [this would reflect a rate of payment of about 2%]. Typically by corporate law, dividends must be paid to preferred shares, to the extent required based on the characteristics of the share class [some preferred shares may not have any required dividends at all], before any dividends can be paid to common shares. So if $10k in dividends is to be paid, and total preferred shares require $15k of non-cumulative dividends each year, then $0 will be paid to the common shares. The following year, $15k of dividends will once again need to be paid to the preferred shares, before any can be paid to the common shares.


Dear God I hope you are a troll. A family friend's nephew was killed in that incident. If you want to be taken seriously please don't joke about it/change your perspective. Drive over to newtown and ask some people around there if you're still on the fence.


Your basic point is correct; the savvy move is to use insurance only to cover losses that would be painful or catastrophic for you. Otherwise, self-insure. In the specific example of car insurance, you may be missing that it doesn't only cover replacement of the car, it also covers liability, which is a hundreds-of-thousands-of-dollars risk. The liability coverage may well be legally required; it may also be required as a base layer if you want to get a separate umbrella policy up to millions in liability. So you have to be very rich before this insurance stops making sense. In the US at least you can certainly buy car insurance that doesn't cover loss of the car, or that has a high deductible. And in fact, if you can afford to self-insure up to a high deductible, on average as you say that should be a good idea. Same is true of most kinds of insurance, a high deductible is best as long as you can afford it, unless you know you'll probably file a claim. (Health insurance in particular is weird in many ways, and one is that you often can estimate whether you'll have claims.) On our auto policy, the liability and uninsured motorist coverage is about 60% of the cost while damage to the car coverage is 40%. I'm sure this varies a lot depending on the value of your cars and how much you drive and driving record, etc. On an aging car the coverage for the car itself should get cheaper and cheaper since the car is worth less, while liability coverage would not necessarily get cheaper.


"If you don't think money that goes to the government ends up in the hands of the wealthy you're incredibly naive. Federal officials end up incredibly wealthy on a middle class salary, how? We also give BILLIONS of dollars each year for foreign aid, to countries that are (or should be) considered to be our enemy and *their* wealthy ends up with it. That money doesn't help our economy or our poor. Furthermore, these tax cuts *do* include cuts for the middle and lower class. I don't see how people can say ""give money to the government then they'll give it to the poor"" when you could cut out the middle man and say ""let the poor keep more of their money"""


If your business is operating on an accrual basis, the income would be counted as occurring in 2016.  If your business is operating on a cash basis, the income would be counted as occurring in 2017.  If you don't know what that means, you are probably using a cash basis for your business, which means income and expenses take place when you actually receive or incur them. According to cash-based principles, if you receive the check in 2017, that is when you report the income.  For more information, see Accounting Methods in Publication 538. In summary, you can choose both as an individual and as a business which accounting method you want to use, and it is not trivial to change it. Cash basis on a calendar year is more or less the default, and is recommended unless you have a specific reason for doing something else.


Current aircraft certainly wouldn't be capable of dealing with all the contingencies but computers are getting faster all the time. As of now, over 90% of flying is done by computer, how long will we have computers doing 100% of the flying before we decide that paying someone to be there isn't worth it? 10 years? 20?


This is how mints make money. They sell limited runs of items at a price significantly higher than their manufacturing cost. Some buyers hope that the scarce nature of the item will cause others to value it higher than the initial offer price but also some people just like to have them.


"Anecdotal: Deploying a Monolith VPC with Aliyun in China (was late 2015) was quite pleasant for a team trained in managing AWS environments.  That said, when we moved from monolith environment to make use of more AWS managed services, we found lots of negative space in performance, support & reliability of the Aliyun managed services.  The international Aluyun offer & the China Aliyun offer are slightly different.  Gaps exist in compute (no intl ephemeral compute / lambda) & data storage products (no true redshift or aurora subs).  That said, if you're rolling your own, Aliyun works just fine.  As a final note, the article mentions the ""censorship"" issue as a potential turn-off for international firms.  While it would normally be a valid concern, Aliyun's intl SLAs cover this in no uncertain terms and it's a bit of a red herring.  The real issue (IMO) is deployment of unique tech or proprietary tech.  For example, if you're one of the growing AI companies of the world who sees a unique trained-up xNN as core IP or trade secret, I would be hesitant deploying such a thing to Aliyun."


I can deal with the sometimes human trash that shops there, the screaming and running kids...and even the somewhat messy isles.  For me, it comes down to two things:   1. Language barrier. If you are going to have staff on the floor, they need to be able to speak and understand English. This is an uncomfortable criticism, I know, but it is real.  2. Staff lack of knowledge of the products they sell. Reading the description on the tag of two different items does not help me.


What is the minimum information someone would need to know about me to wire money out of my brokerage account? In today's world, there could be sufficient info on the statement that can be coupled with info available in other sources and together this info in wrong hands could be an issue. I should probably encrypt the drive. Yes it does make sense


Interestingly, the Staples doesn't own most of the land their stores operate on like its competitors. They opted for leases versus buying land during expansion to focus capex on other parts of the business. However, it leaves the company without a lot of land and therefore low relative book value. The value in Staples lies in their online B2B in a direct business model, though how much growth lies in physical paper and ink in a world of tablets and computers remains to be seen.


I can't speak for India, but for US travelers abroad, using an ATM card that reimburses transaction fees is usually the most convenient and cheapest way to obtain foreign cash. There are several banks and brokerages that offer these types of ATM cards in the US. The exchange rate is competitive and because the fees are reimbursed it's cheaper and easy than going to a bank or kiosk to exchange currencies. I don't know if you can get accounts/cards like this in India that reimburse ATM fees. For purchases, using a credit card is fine, too. Some cards charge a foreign transaction fee of ~1%, some don't. The credit card I use most of the time does charge a 1% transaction fee, but I get 2% back in rewards so I still don't mind using it when traveling.


"If you're under 18 there's not much you can do. As a minor, your kinda just stuck. There are routes to go, but not many.  If you're over 18, here's what you can do.  Now these steps won't help you not anger your mother. They're ""what you can do"" but it doesn't mean you ""should"". Keep in mind that it might be better just to have a conversation. In that conversation, if you think you need to say, ""I will file a complaint with the FBI, and have you arrested if you don't stop! You're breaking the law and invading my privacy."" Again these are drastic steps to take. More moderate steps may be advisable."


See this website. In my opinion you should physically exist there to open your account.The bank needs to fulfill all requirements such as checking your identity, taking your signatures for future transactions etc. However, there might be some exceptions as Banking industry works pretty much on personal relations and money power.  Also check these links: http://answers.google.com/answers/threadview?id=722141 http://askville.amazon.com/open-bank-account-abroad/AnswerViewer.do?requestId=7004217 and http://www.talkgold.com/forum/r18761-.html


The Westminster government said it wouldn't carry out a currency union and the Scottish government said we'd have no liability over the debt if we don't get the assets of the Bank of England. If we reject the debt will that have any realistic consequence on investors?  I thought the number one thing investors loved is an oil rich country with stability.


If your goal is to make your child's cleats or sport shoes more comfortable, you need an insole designed to cushion their foot impact. Our KidSole memory foam or gel insoles will make any uncomfortable sports shoe soft and wearable. The sport combo is the best possible solution for kids who do not need arch support but do need extra cushion.


"People don't always think about it.  They think ""oh, sand. Thats cheap and everywhere"" Little do they know they need quality, round, strong sand that has high quartz content to work (only sand from a few areas of the country)"


Idk why Banks are so opposed to holding just a bit more capital. It helps them avoid becoming suddenly insolvent should something happen. It's like they only care about personal short term gain and care little about being in the game for the long term.


I dropped out of Reed College after the first 6 months... Because I had dropped out and didn’t have to take the normal classes, I decided to take a calligraphy class... Ten years later, when we were designing the first Macintosh computer, it all came back to me. And we designed it all into the Mac.


"While the techniques are well known computer science results, at least in academia they havent been exhaustively applied to everything yet. So LDA and NMF text analysis and stuff are somehow ""cutting edge"" in academic research only because not many of the older more established professors can get on board as quickly as new students with a programming background. I agree it seems weird, but in the literature these applications are ""new"" and ""hot"".   source: finance phd student doing research on machine learning and text analysis."


The simplest way is just to compute how much money you'd have to have invested elsewhere to provide a comparable return. For example, if you assume a safe interest rate of 2.3% per year, you would need to have about $520,000 to get $1,000/month.


"Roughly about 1 of 2 Swiss francs is won abroad. So, yes it is easier for Swiss companies to export when the Swiss franc is not ""too high"" as it has been those last years. The main export market for Switzerland is the UE. Some companies are doing most or all of their business on the Swiss market. Others are much more exposed to the the health of the global economy. When the Swiss franc appreciates, some companies suffer a lot from that and other less. It depends on their product portfolio, competitors, and other factors. The last decades have shown that how the Swiss Franc valuation is less and less correlated with the performance of the Swiss economy. The Swiss franc is used as a safe haven when the global economy goes bad or is uncertain. In those times, the Swiss franc can be overevaluated, at least as compared to the purchasing power. When the global economy is improving, the over-appreciation of the Swiss franc tends to disapear ; this is happening now (in Mid-2017). As a summary, the Swiss franc itself is not truly correlated with the competitiveness of the Swiss economy, but more about how people in the world are anxious. In this regard, it behaves a little bit like gold."


I never understood why people lease rather than buy or finance.  I'm financing a new civic 09 @ 0.9%.  At the end of the 5 year terms I will have paid less than $800 in interest.


If you're a market timer it's difficult to argue that now is not a very risky time to be in stocks. Just based on the PE we're in the second richest market in the last 100 years. Also, the Fed is about to start tightening on a weak economy. That's never good for stocks.


Marketing via social-network tools, long thought to be a feature primarily of e-commerce, is rapidly moving to the physical point of sale as merchants seek new ways to generate sales and independent sales organizations look for ways to differentiate themselves. This move to the point of sale, meanwhile, has been facilitated by the proliferation of handsets and has brought with it a revival of interest in targeted rewards and offers for consumers.


I found this book to be pretty decent: It is a workbook, and full of little exercises.


"I don't know, but I can guess. You'll notice the Elite card has higher rewards. A card might want to convince merchants that they represent high end buyers, and use that to negotiate higher merchant discounts. Issuing bank: ""Our 10 million card holders are sophisticated and have lots of discretionary income. If you don't agree to this rate, we'll terminate the contract and they will take their business elsewhere.""  Merchant: ""But it's twice the rate of everyone else! I'm sure these customers have other means of payment, and besides, how many of those card holders are actually using it?"" Issuing bank: ""Our cardholders signal their interest in the benefits of cardholding by paying us an annual fee. If they didn't want one, they'd stop paying right? They clearly know they have one and our records indicate they use them regularly. We're pretty sure if you don't wise up they'll shop at your biggest competitor, another client of ours. pause Frankly, they already do."""


Well you would have to take into account 2 things. 1 the taxes and regulations that fossil fuel industries face relative to renewables. 2. subsidies as a percent of fossil fuel industry compared to subsidies as a percent of green energy companies. My hunch is that both of these points show that overall, the fossil fuel industry isn't benefiting from the government and renewable companies are benefiting


"I know something about this issue, so maybe I can put it into context from my world.   One problem is that dairy farmers - like any small/mid-sized business - can only afford to pay so much in wages (especially factoring in the fact that the cost per employee is higher b/c employment taxes, maybe insurance, etc.). As a commodity, milk and feed (to make the milk) prices are set and any fluctuation is passed to the farmer, so it isn't like the costs of paying a higher wage can be passed directly on to the consumer.  Also, the kind of work involved is not what most Americans are willing to do. There are 4 trailer parks within 5-15 minutes of the dairy farm here - and very seldom - if ever - has an American come asking for a job - when they did, they got a chance - at $12/hour and housing if needed. They never last long: drug/alcohol use, warrants, bad attitudes, absenteeism, mistreatment of the animals. Local workers simply are not dependable to show up on time, for every scheduled shift, and do a good job.  Hispanic workers are paid the same wages. It isn't like 10-15 years ago when some jerk farmer thought he could cut his labor cost by paying half-wages to ""illegals"". Hispanics here have social networks, and know the value of their work. If they're not happy, underpaid, whatever - they will leave - and will instigate all the other Hispanics into leaving as well.  Dairy farming is a hard, dangerous, smelly job that puts you out in the heat of summer, cold of winter, pouring rain, day and night, 24/7. If you paid a wage that compensates for that, there would be no dairy industry and if there were, its products would not be affordable. So the Hispanic workers get an ok wage to do a job that no American is willing to touch.  And robots? They don't work that great either: expensive, constantly needing service - and the rats eat the power cables!"


>Not to mention that Japan has a very good savings rate.   Remember they buy a lot of bonds with their savings, Japanese bonds. This shows up as debt on the ledger.  People really need to learn about government debt in general.


Just find a low cost S&P 500 index fund, and spend your time reading The Great Mutual Fund Trap instead of wasting your time and money picking actively managed funds.


I don't understand what the fuck Sony is doing.  This lawsuit is bringing way more attention to something they don't want to bring attention to...  Furthermore, everyone loved the ads and the character, and I am pretty sure that all of those people see Sony as a bully at this point.  why?


It used to be so easy when they would just cut taxes and pay for it with foreign money. In fact, they can probably still do that but the politics of exploding the deficit again are...troublesome.  In particular now, doing relatively good times, the deficit should continue to narrow and maybe even dip into surplus for a while.


Hello, my Dear Friend! Learn Colors with Color Sticky Tape Are you Sleeping Nursery Rhymes Song for Babies by Eva TV Thank you for watching my video! Five Little Babies Jumping on the Bed Song Nursery Rhymes Songs for Kids https://www.youtube.com/watch?v=hIAMkUdZ1QA Steal Chips Johny Johny Yes Papa Song Learn Colors with Bad Baby Nursery Rhymes https://www.youtube.com/watch?v=Evl4odr8xho #LearnColors #Colours #forKids #forChildren #AreYouSleeping #AreYouSleepingBrotherJohn #AreYouSleepingSong  #NurseryRhymes #BadBaby #StickyTape #ColorStickyTape #BabyDolls #FunnyVideoforChildren


If you have (other) high interest debt, say over 8%, pay it back first. Else, you are likely best off paying this loan back and getting the money working for you long term.


"For ""real"" investing I would usually recommend mutual funds.  But if you are trying to teach a kid about investing, I would recommend they choose individual stocks.   That will give them a great opportunity to follow the companies they bought in the news.  It also gives you an opportunity to sit down with them periodically and discuss their companies performance, economic news, etc. and how those things play into stock prices."


Good. Maybe all the bullshit bloat and stupid protectionist laws they passed will be muted.  We could be so lucky. Its time to revise the way we do things, and the younger generation has more access to information then any other time in history.


"Read the terms by your Travel Card issuer. Travel Card cannot be used to transfer USD to an Indian Bank Account. You have to spend outside India and if there is a balance you have to request the card issuers in writing for a refund Salaries should not be credited on ""Travel Card"""


I thought medium was supposed to provide a format that was easy to read? This website is horrendous. A sticky header to cut down on viewing space, and then a banner at the bottom without an easy way to close out asking to be alerted for updates. Terrible


No, primitive communist tribes in both central africa and Brazil don't. Google Henrich et al - 2005 - Economic man in cross cultural perspective. It gives you a game theory analysis of how different cultures and means of production create very different human natures according to selfishness and the lack of it.


Speaking from stock market point of view, superficially, TA is similarly applicable to day trading, short term, medium term and long term. You may use different indicators in FX compared to the stock market, but I would expect they are largely the same types of things - direction indicators, momentum indicators, spread indicators, divergence indicators. The key thing with TA or even when trading anything, is that when you have developed a system, that you back test it, to prove that it will work in bear, bull and stagnant markets. I have simple systems that are fine in strong bull markets but really poor in stagnant markets. Also have a trading plan. Know when you are going to exit and enter your trades, what criteria and what position size. Understand how much you are risking on each trade and actively manage your risk. I urge caution over your statement ... one weakened by parting the political union but ought to bounce back ... We (my UK based IT business) have already lost two potential clients due to Brexit. These companies are in FinServ and have no idea of what is going to happen, so I would respectfully suggest that you may have less knowledge than professionals, who deal in currency and property ... but one premise of TA is that you let the chart tell you what is happening. In any case trade well, and with a plan!


"I got a BA in Econ from a mid-tier public school in CA, and I graduated near the trough of the great recession, so my experience may not represent what current and future graduates can expect. It took a couple of years of shit-jobs, but I eventually got into banking (a matter of who-you-know) and after almost 5 years I couldn't stand it anymore so I am starting my MS in Econ at an also mid-tier public CA school. I can't compare to CS, and my advice will differ from robolib's:  1. Never assume that jobs will we thrown at you, especially a job that you actually want, like, and will make a career. The job market is strong and you ought to be able to get an entry level analyst position if you can show you have strong econometrics. Many schools require you to do a research paper for your senior seminar (instead of a graduation exam) I recommend to choose a topic with good data available.  2. All the government jobs I've looked at required at least a Master's. That said, the ROI on a Phd is rarely worth it if you have to take on debt to do it. You MIGHT be able to get your foot in the door with a Bachelor's but you won't be able to progress up the job ladder. I suggest being a little more open-minded about potential employers, there are way more options when you consider consulting or business development for larger corporations.  3. Economics majors make the most out of the social scientists by far, last I checked it was 60-80k (depending on local market, obv.) but I imagine that trails CS majors significantly. You should be able to afford a decent standard of living in either field, so certainly consider more on the basis of what kind of work you get the most satisfaction from.  4. With an undergrad degree you will start in local government. You may then be able to jump to State and then Federal levels after 5-10 years experience, but still may find it difficult if you forgo the Master's. I have not personally worked as an ""economist"" but I do know you will spend a lot of time searching for/collecting data, writing or using statistical analysis programs to process it, and writing up your reports.  5. Go search ""analyst"" on Indeed.com and you'll find myriad positions in everything from finance, to marketing, to supply chain, etc. which ask for degrees in business, finance, ""or other related field (economics).""  In my opinion, the prestige of the university from which you graduate is secondary to the work you do.  Assuming you do a research paper, if it is kick-ass it won't matter much if you went to Harvard or not. Check your city/county jobs site for internship opportunities since no matter what, even getting an entry level job can be difficult if you've never had any job experience in the field (or related field).  Labor economics is big since there's a lot of good data and it is a hot topic. Personally, I'm focusing on urban economics, real estate, planning, and transportation. The beauty of Econ is that it is so broad you can almost do whatever you want. But the drawback is that it is so broad it can be tough to show employers that you possess the specific skills and knowledge that make you desirable.  Hope this helps!"


Just for op's reference. A deferred wage entry would be something along the lines of the following scenario: you contract with a worker to perform some work at some point in the future, you would then book deferred wages for the amount to liabilities and deferred labor for that amount to assets, which would increase both and leave equity unchanged.


Emergency funds, car funds etc tend to have to be accessible quickly (which tends to rule out CDs unless you have the patience to work something like a monthly CD ladder, an I don't) and you'll want your principal protected. The latter pretty much rules out any proper investment (ETFs, mutual funds, stock market directly, Elbonian dirt futures etc). It's basically a risk-vs-return calculation. Not much risk, not much return but at least you're not losing from a nominal standpoint). Another consideration is that you normally aren't able to decide freely if and when you want to pull money out of an emergency fund. If it is an emergency, waiting three weeks to see if the stock market goes up a little further isn't an option so you might end up having to take a hit that would be irrelevant if you were investing long term but might hurt badly because you're left with no choice. I'd stick that sort of money into a money market account and either add to it if necessary to keep up with inflation or make sure that my non-retirement investments over and above these funds are performing well, as those will and should become a far bigger part of your wealth in the longer run.


"Basically if the execs in your company are too stupid to understand the concept of limited resources and prioritization, then the chargeback model is what's necessary to deal with the situation.   Ideally, execs should back the IT manager, and once everyone's booked on an internal project, then when a new project comes in, the IT manager says ""Sorry - can't get to yours until October.""  When PM of new project throws a fit and says they need it by July, then the IT manager looks at the portfolio of projects and picks one or two candidates. He then contacts the stakeholders for those projects and says ""Joe the PM says his stuff is more important than yours"" and escalate the two of them to a common executive to deconflict the mess (which, believe it or not, is one of the primary reasons executives exist)"


We are Providing wine, scotch, champagne and other glasses in glass as well as in plastic. So, if one is looking for Plastic stemless wine glasses then he or she can come to our shop. Feel free to visit our website 24x7.


I'm a bot, *bleep*, *bloop*. Someone has linked to this thread from another place on reddit:  - [/r/anarcho_capitalism] [Smart guy on r\/economy](https://np.reddit.com/r/Anarcho_Capitalism/comments/6hhw68/smart_guy_on_reconomy/)  [](#footer)*^(If you follow any of the above links, please respect the rules of reddit and don't vote in the other threads.) ^\([Info](/r/TotesMessenger) ^/ ^[Contact](/message/compose?to=/r/TotesMessenger))*  [](#bot)


"There are people that make up a small segment of the population that have an unsatisfied need to see the insides of other people's houses.  There's also a segment of the population that don't quite understand the ""big picture"" of how service professions work... for example, any group of friends going into a restaurant and requesting a table and sitting at it for over an hour, but feel they don't need to leave a tip because they only ordered espressos or shared a desert.  Sure, you're paying for the service of a service professional, but it should also include their time and resources you consume outside of the actual service but many don't have that perspective.  Why should I pay you if you aren't providing your actual ""service"" to me even though I'm consuming your time and resources that would be earning you your expected salary otherwise, is their justification.  So when you encounter an individual from both small segments of the population mentioned above, the result is the problem your wife faces with perspective buyers. I look at the Agent / Buyer relationship from a different perspective when I encounter these no-harm intended individuals.  I don't see it as the buyer is hiring the agent... for if that was the case, a contract of some sorts would be involved detailing the menu of services provided by the agent with associated costs, the buyer would make selections from the menu, pay the costs, and services  rendered.  but that's not how it works.  so its important to understand the perspective of the agent looking to hire the buyer.. you're not paying the buyer to be your client, but you are looking to select the prospective buyer that's going to generate cash flow.  In a commissions based work force that is also your main source of income, you have to look at prospective clients as that.. simply prospects..but who are a vital component of your salary.  So when allocating your time and resources, especially if you're dealing with several prospects, you literally have to turn away these cold leads who are just looking for design tips  and paint color pattern suggestions and you as their escort.  If I was in the shoe-making business, i wouldn't hire a walk-in, give him access to materials and  work space with the assumption that if its to his liking, it'll generate profit towards my salary needs, if the only thing he's interested in doing is looking around at all the other shoes, a behavior that requires my presence, time, and resources.  You almost can't even justify it as ""looking at it as possible income in the future"" if it's costing you revenue now, whether its in the form of having to neglect actual buyers or you could be investing your time in things that would impact salary needs, such as advance course work (attending optional trainings offered by your broker), or investing time finding more serious leads."


This was at least in part payback for VW. But to be fair, the US has imposed huge fines on European banks for doing unethical stuff that's a lot more tolerated in Europe than the US. The EU fined Google for doing anti-competitive stuff that's a lot more tolerated in the US.


In now days beginning a business, website optimization daddy can enable you to begin a web business, to do you know the intricate details of web crawlers and have aptitudes in stages like Google Analytics? The proprietors of a ton of littler organizations don't understand the amount of an effect website, streamlining SEO can have on their business. We teach those entrepreneurs on the energy of starting an internet business to help change their sites into a more SEO-accommodating property. We have master abilities to the stage proprietors how to peruse and utilize their examination information the correct way, and how to legitimately utilize watchwords and structure substance to get more movement.


There's a symbiotic relationship between what people want and what products businesses advertise and sell. The very nature of fast food is high in refined carbohydrates and fats which our bodies naturally crave. That isn't to say that slow food doesn't do the same damn thing, but there's a greater degree of hitting the pleasure centers with cheap shots.  I absolutely agree that we lack a healthy eating culture, but we used to have one. It disappeared, partly due to the transition to cities and pressures of food safety and freshness that resulted, but also due to active campaigning by businesses taking advantage of our predilection for energy sources which would be scarce without industrial agriculture.


The DLOM maybe different if the bond is more or less marketable than the equity. However, the ratio itself would be the same. So while this might affect the interest at which you are willing to lend, it would not affect the intrinsic value of the firm.


Most of these blogs/websites that you mention above promote banks that pay a commission and hence you never realize there are better banks out there that offer a higher rate.   I went through the same exercise to find the bank that paid the best rate and realized the truth I mention above.   I currently bank with Alliant Credit Union, which doesn't pay a commission or have affiliate fees.  If you find a bank that pays a higher rate than ACU, let me know, I'd like to switch to that bank as well! To give an example, ACU's regular savings rate is equivalent to EverBank's 2 year CD!  See what I mean when I say affiliate and commissions run the show? Disclosure: BTW, I'm a customer of this bank, not an employee.  I do have a blog if you wish to read my experience with ACU.


Every tax dollar that is withheld from the government is a dollar not spent on death showers around the world.  Taxation is immoral and necessary for war.  I'll gladly easy at BK after hearing this.  I'm proud of them.


DH payroll is a payroll provider in Kingston to meet your payroll services needs. We are a specialist payroll bureau who have dealt with a large number of small and medium sized companies for the past 25 years and have served them well. Address:- Ground Floor 1 Park Road, Hampton Wick, Kingston-Upon-Thames KT1 4AS  Phone: 020 8977 3559


I'm not arguing against your position. I'm just curious how government will be able to fix a situation like this, in your opinion? It seems like, at best, the status quo is the only thing politicians can agree on. This obviously isn't working out well for everyone else who isn't a politician, investor or captain of industry.   EDIT: The reality of the situation seems to be that the ruling class doesn't care about the domestic working classes. They've shed any social contract that traditionally existed between them. The Russia probe against Trump isn't about Russia or Trump. It's about delegitimizing the American Voter who dared vote for someone that the ruling class didn't approve of. The fact that Hillary Clinton's emails were leaked is irrelevant to the fact that the content of the emails is what may or may not have swayed voter opinion.


You're asking for opinions here, which is kindof against the rules, but I'll give it a try. 1) Does emergency funds and saving money(eg.Money plan to buy a       house) should be in same Saving Account? 2) or should each specific saving plan set up in particular Saving Account? No, it doesn't. It's a matter of convenience. I personally find it more convinient to have different stashes for different purposes, but it means extra overhead of keeping an eye on one more account. Fortunately, with on-line access, mint.com and spreadsheets, it's not that big of an overhead. 3) If saved in same Saving Account, how could I manage easily which       percentage is planned for which? Excel spreadsheet comes to mind. Banks may have some tools too, for example Wells Fargo (where I'll be closing my account soon), has a nice on-line goals manager that allows you to keep track of your savings per assigned goals (they allow one goal per savings account, but you can have multiple accounts for multiple goals, and it will show the goals and progress pretty nicely). 4) If not saved in same Saving Account, the interest earned would be smaller because they all clutter across multiple Saving Accounts? In some banks interest rates are tiered. But in most on-line savings accounts they're not, and you get the same high rate from the first $1 deposited. So if in the bank where you keep the money they only pay a decent rate if you deposit some big lump of money - just open an account elsewhere. Places to check: American Express FSB, ING Direct, E*Trade savings, Capital One, Ally, and many more.


Here are the reasons I did not lease my current car. When you lease, you're tied in at a monthly payment for 48 months or more. The only way to get out of that payment is to transfer the lease or buy out the lease. If you buy/finance, you can always sell the car or trade it in to get out of the payments. Or you can pay down more of the vehicle to lower the payments. Most leases calculate the cost of leasing based on the 'residual value' of the vehicle. Often these values are far lower than the actual worth of the vehicle if you owned it for those months and sold it yourself. So when you do the math, the lease costs you more -especially with today's low financing rates.


If so, are there ways to reduce the amount of taxes owed? Given that it's currently December, I suppose I could sell half of what I want now, and the other half in January and it would split the tax burden over 2 years instead, but beyond that, are there any strategies for tax reduction in this scenario? One possibility is to also sell stocks that have gone down since you bought them.  Of course, you would only do this if you have changed your mind about the stock's prospects since you bought it -- that is, it has gone down and you no longer think it will go up enough to be worth holding it.  When you sell stocks, any losses you take can offset any gains, so if you sell one stock for a gain of $10,000 and another for a loss of $5,000, you will only be taxed on your net gain of $5,000. Even if you think your down stock could go back up, you could sell it to realize the loss, and then buy it back later at the lower price (as long as you're not worried it will go up in the meantime).  However, you need to wait at least 30 days before rebuying the stock to avoid wash sale rules.  This practice is known as tax loss harvesting.


"Do you need the capital? If you not, are you considering taking it to help you grow faster? To lower your downside risk?   In terms of deal structure start with your financial model  and evaluate  your payback period and IRR... Think if you were investor how much of a split would you need to compensate the risk you are taking.  Generally the investor will want to get 100% of their original investment paid back plus a annual  8%  ""preferred"", return and after they are made whole 80% of proceeds, but I've seen restaurant deals at 50/50 splits and no preferred return.   I'd try to ensure you get a salary and/or management fee.   Make sure you retain control and rights!  Don't sign anything without legal review."


What kind of business? LinkedIn is very good for businesses like Real Estate where personal relationships are key. If you are in a business where it is important to know the person you are doing business with, you can benefit a lot from it.  First, make sure you have a good profile. There are plenty of places on LinkedIn where you can get tips how to do this.  Next, make sure you have a good profile photo that fits you. If you are in your 20s, this means something in a business suit, not holding a cocktail at a party, for instance. If you are over 50, you may want to be doing something active in the photo to convey your good health and vigor! :) Also, there are resources on LinkedIn for this.  There are different schools on the next topic, however, I feel you should not connect to anyone you do not know. You would be exposing all of your connections to someone who may end up spamming your network. It is not worth the risk. Don't connect unless they are recommended or it is someone you met.  Go to networking events and afterwards, connect with interesting or useful-to-your-business people you met at the event. Keep your network fresh by emailing or having lunch with some of these people on occasion.  It is always nice to have an up to date network. You never know when you will have a professional question or even when you may be looking for a job. I do it more for fun than anything. It is a lot of fun to meet new people!  Source: I am the president of the local Linked in chapter for my city. :) I host monthly meetings.


The same reason a company would offer coupons. I'd guess they're just doing it as a way to entice people to do their investing with them. Since it is any ETF I doubt they are being compensated by the ETF companies, as is sometimes the case (iShares does this with Fidelity, for example). And they still get the commission on the sale.


It's a tough one to solve.  The cost just to give everyone $30k would be crippling in terms of taxes.  And it would cover nothing in high COL regions.  Skill work such as accounting is easily $70-$80k for a CPA, much more for director, and $200k for controller plus stock options.  It will be ridiculous to expect compensation at those levels due to replacement robots or software.  What about doctors with median income $200k, or $400k for successful dentists or heart surgeons.  Shit will get cray cray.  Production might triple due to 24/7 operation.  But distribution will always be difficult, especially with lobbying as industry will never allow extreme taxation to cover universal income.  This will get even more confusing when you can price an old worker, but not the sixteen year old who will never go to medical school as the industry will become impossible to earn a living.


For sure, a thirst for experience is absolutely a positive thing that will benefit you. I think the lack of ambition might be prevalent in all aspects of work, however. There were definitely the high-achieving people at my office and the ones that couldn't have given two shits how they were performing. Just recognize who's doing a great job and who's really dragging down the team and adopt the habits of the high-achievers. That's how I've always viewed it, anyway.


I would look for these features in the credit card: If there is some kind of reward option like cash back or points, you obviously deduct these from the total costs. Chances are the total costs are higher than the rewards, because generally people don't give you money for free. The reward has to be financed somehow. I would adivse against building up credit card debt. It typically has a high interest rate. So, use the credit card only as a method of payment and pay back the debt so quickly that the interest doesn't start to accumulate.


Some lenders will make loans for vacant land, others will not. You have to discuss with local bank what are your plan for the land: live in the old mobile home; install a new mobile home; build a new house; Sell it to a developer; use it for camping... Is the property part of a development with other mobile homes? If so there may be complications regarding the use and rights of the property. Some local jurisdictions also want to eliminate mobile homes, so they may put limitations on the housing options.


Some brokerages will let you withdraw/deposit in multiple jurisdictions. e.g. I used to use Interactive Brokers. I could deposit/withdraw to US and UK bank accounts, in the appropriate currencies. It helps to have a brokerage that provides good rates on forex exchange also, and they were very good on the bid/ask spread. It was possible to get interbank rates plus a very low commission.


Well then you'll get a chuckle out of [this article.](http://www.economist.com/news/americas/21607824-venezuelas-loss-thousands-oil-workers-has-been-other-countries-gain-brain-haemorrhage)    If you hit the pay-wall you'll need to clear all economist.com cookies from your browser.    The gist of it: > IN 2003 Venezuela’s then president, Hugo Chávez, **fired more than 18,000 employees, almost half the workforce,** of the state-run oil corporation, Petróleos de Venezuela (PDVSA). Their offence was to have taken part in a strike (pictured) called in protest at the politicisation of the company. Their punishment was to be barred from jobs not only in PDVSA itself but also in any company doing business with the oil firm. The axe fell heavily on **managers and technicians:** around 80% of the staff at Intevep, **PDVSA’s research arm**, are thought to have joined the strike. At the stroke of a pen, **Venezuela lost its oil intelligentsia.**  PDVSA is on road to nowhere. Production has been in decline even since before this purge (which accelerated the decline of production.)


it means that 20% of my closing balance each day will be added up over the course of a month and then given once the month is over. Yes apart from the typo 0.20% of every day balance. The rate itself is quoted for a year, so for a day it will be (Px0.20)/(100x365). Where P = The principal amount of every day. The credits will be every month-end. For leap year will be 366. Check with your Bank quite a few Banks still use the old convention of 360 days in year.


"One thing I'd quibble on. There is mainstream exposure. You are probably correct that everyone isn't buying records.   But from late 90's, non-existent to the availability now is a huge change. still not as common as groceries, or coffee.   The awareness of vinyl's return is fairly mainstream. Like when society as a whole co-opts a phrase / word, like ""bling"" or etc. That doesn't mean grandma is ""street"" now."


"Yes, you can withdraw the excess contribution (or actually any amount you contributed for 2015, not necessarily an excess), plus earnings from that withdrawn contribution, by April 15, and not incur a penalty for the excess contribution. It would count as if you did not contribute that amount at all. The earnings would be taxed as regular income, and the earnings may incur a penalty. Yes, you can ""recharacterize"" (all or part of) your Roth IRA contribution as a Traditional IRA contribution (or vice versa) by April 15. Recharacterization means you pretend the contribution was originally made as a Traditional IRA contribution, and did not involve Roth IRA at all. (""Conversion"" is something very different and can only go from Traditional to Roth, not the other way around.) You are likely not eligible to deduct that Traditional IRA contribution, so you will have to report it as a non-deductible Traditional IRA contribution on a 2015 Form 8606 Part 1. Note that after you've recharacterized it as a Traditional IRA contribution, you can also then ""convert"" that Traditional IRA money to a Roth IRA if you want, achieving the same state as what you have now. Contributing to a Traditional IRA and then converting to a Roth IRA is called a ""backdoor Roth IRA contribution""; if you don't have any existing pre-tax money in Traditional IRA or other IRAs, then this achieves the same as a regular Roth IRA contribution except with no income limits. When you convert, the earnings you have made since contributing will be taxed as income. If you had done the backdoor originally to begin with (convert right after contributing), you would have had no earnings in between and no tax to pay, but since if you do the conversion now you have waited so long, you are disadvantaged by having to pay tax on the earnings in between. If you convert, you will have to fill out Form 8606 Part 2 for the year you convert (2016)."


The point isn't to regain the money lost, it's to silence the anti-meat information.  Just like w Oprah's lawsuit, even though she won, it cost her $1 million to defend which sent a very clear message that anyone putting out anti-meat info better be prepared to spend tons of money in court.


The customers were punishing local businesses.  Impotent rage toward anyone they could find.  It was canceled orders and political lectures to anyone that could hear.  I assume they were no longer going to participate in a Democrat's economy.  The owner didn't ever discuss politics or say or do anything to make waves.  The girls that sold the jewelry were just smart enough to put on makeup and smile.  There was nothing political about the place.  It was just the day after election day.


You might want to consider how much effort mitigating this risk is worth. For example, having homeowner's insurance and sufficient documentation of your valuables is probably enough to satisfy your fears if they are based on simply losing your property.  In the end is there really any benefit in living like you don't have money in an effort to keep people stealing it from you? That said, One piece of good advice I have heard for how to avoid encouraging robbers is to avoid putting boxes for expensive items (e.g. electronics) out by the trash until the morning they pick it up. No need to advertise that you just bought a super expensive home-theater system.


Outsourcing a call center company is a great help for all types of companies, irrespective of their size and nature of the business but it can be the best mean for the companies who have seasonal businesses as they have to face a sudden burst of customer calls.


According to both Huffington Post and Investopedia:  Trying to retire without any savings in the bank can be difficult, and   that difficulty is compounded by other factors senior citizens need to   keep in mind as they age, like health issues and mobility. If saving   money is not possible for you, retirement doesn’t have to pass you by.   There are plenty of government-assisted and nonprofit programs that   can help you, such as the Commodity Supplemental Food Program,   Medicare, senior housing help from Housing and Urban Development and   other resources. Therefore, to answer your questions:  Is this pretty much the destiny of everyone who cannot save for retirement?  Yes, if you do not have help from family (or friends) then you have a chance of ending up homeless and/or on government assistance.  Do most people really never retire? There are people who really will never retire. There are stories in the news about Walmart greeters or McDonald's cashiers who are in their 80s and 90s working because they need to support themselves. However, that's not the case for everyone. There's a greeter at my local Costco who is in her 80s and she works because she loves it (her career was in consulting and she doesn't have a lack of retirement money. She just really likes talking to people.).  What really happens? I can't answer what really happens because I have never experienced it and don't know people that do. Therefore I have to go off of what the two articles have said.


It IS affecting our bottom line though. The rich have been taking more of the pie by suppressing wages while also getting tax cuts for decades. There's no reason that the super wealthy should be paying less tax (as a percentage of income) than Americans in the bottom tax brackets. That's a large part of why American infrastructure is crumbling, the top earners (who couldn't earn that much outside the system) aren't paying their fair share.  And don't even bother bringing up that top earners pay the most dollar amount of tax because that's exactly how it's supposed to work in a progressive system but paying the most in tax doesn't necessarily mean they're paying enough. The percent payed in tax is supposed to go UP the more you earn, not down.


From wikipedia: In finance, a high-yield bond (non-investment-grade bond, speculative-grade bond, or junk bond) is a bond that is rated below investment grade at the time of purchase. These bonds have a higher risk of default or other adverse credit events, but typically pay higher yields than better quality bonds in order to make them attractive to investors. In terms of your second question, you have the causality backwards.  They are called junk bonds because they have a higher risk of default.


"I'll answer in general terms, since I'm not familiar with the price ranges in Florida. The LLC formation costs $125 (state fee). In addition you'll need a registered agent. Registered agent could be your CPA/EA/bookkeeper/property manager/local friend, or you can pay firms specializing in providing registration and agents services such as NorthWestern or LegalZoom (there are many others). You'll need to pay an annual fee of ~$140 in Florida. If you are using someone to do the formation, they'll charge more (usually the on-line services are cheaper than a local CPA or attorney, by $100-$300). Bookkeeping will probably be charged by the hour, but some bookkeepers charge flat fees for small accounts. Per hour would be probably in the range of $40-$80. You'll have to pay taxes - both in Florida (where the property is) and on the Federal level to the IRS. You'll be paying them as a non-Resident individual. Your CPA/EA will charge you anywhere between $150 to $500 for that (if they charge more - run away, unless there's some specific complication that requires extra costs). You will need a ITIN for that, your CPA/EA can help you get one or you can apply yourself.  Be careful with all those people selling cr@p about organizing in Delaware/Wyoming/Nevada (like CQM in his answer). Organizing in a state other than where the properties are located (or off-shore) won't save you a dime, and not only that - it will add to the costs. Because you'll have to pay to the state where you organized (CQM mentioned Wyoming - $50/year), keep registered agent in the state of organization (+$99) and also do all the things I've described above about Florida - as a ""Foreign"" (out of state) entity, which may mean higher fees. It won't save you any taxes as well, because you pay taxes to the state from which you derive income, which is Florida, either way. Remember that what you call LLC in Italy may be in fact a ""Corporation"" as defined in the US, and there's a huge difference. You should probably not put a real-estate property in a Corporation in the US. You must get a legal advice from a (Florida) lawyer ($0-$500/hr consultation), and a tax advice from a (Florida) CPA/EA ($0-$200/hr consultation). Do not consider anything I write here as a legal or tax advice, because it is not. You need a professional to help you because as an Italian, you don't know how things work exactly and relying on rumours and half-truths that you may find and get over the Internet may end up costing you significantly in damages. Also, talk to a reliable real estate agent and property manager before making any purchases."


"This is the best tl;dr I could make, [original](https://www.newyorker.com/news/john-cassidy/a-new-way-to-learn-economics) reduced by 86%. (I'm a bot) ***** > A group of economists from both sides of the Atlantic, part of a project called CORE Econ, has put together a new introductory economics curriculum, one that is modern, comprehensive, and freely available online.  > In many countries, groups of students demanded an overhaul in how economics was taught, with less emphasis on free-market doctrines and more emphasis on real-world problems.  > In his highly popular &quot;Principles of Economics,&quot; Harvard&#039;s N. Gregory Mankiw begins by listing a set of ten basic principles, which include &quot;Rational people think at the margin,&quot; &quot;Trade can make everybody better off,&quot; and &quot;Markets are usually a good way to organize economic activity.""   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6zkgmk/a_new_way_to_learn_economics/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~208302 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*: **economic**^#1 **students**^#2 **CORE**^#3 **more**^#4 **curriculum**^#5"


So why is it my problem to worry about people who's situation is worst than mine. Sorry I don't share your humanitarian view but I worry about myself and those close to me.   Trust me I got what you were saying with your scenario, but I don't agree with it. I don't think the government has the right to dictate how someone spends their money or where their money goes.   And obviously the rich don't spend as big of a percentage of their wealth as others, but the overall amount they collectively spend has to be a sizable portion of total consumer spending.  Since you're fan of hypotheticals, here's one for you: Let's say consumer spending for the US is $1B. I would say that 75% of that comes from the top 10% of wealthiest individuals. Do you see my point now?  Get a little more butt hurt that some random person doesn't share the same opinion as you


I've read over these responses like a dozen times. It's really cool hearing from a business owner who has experienced things first-hand. Nobody in my family has ever been or known anything about business/stocks/Anything. I'm learning everything from the internet, friends, and now reddit. I'll certainly seek true legal advice but you have no idea how helpful you and every other person on this thread has been. Thank you! I'm all ears to anything else


"I really wish they'd change the title to ""corporations"".  Companies aren't the only thing that can be corporations and avoid jail.  Other organizations that operate as partnerships or sole proprietors in effect operate as people that can be arrested and put in jail and can't hide the owners and can't contribute unlimited amounts to candidates."


First a few comments: Other benefits: It may not be possible for everybody to max out the 401K on an income of 100K. It would depend on family size, other income, other expenses, other debts...


"Forgive me, I don't know what you mean when you say ""its Canada"". Are they not a good example of a country that supposedly offers free college but is struggling to do so?   And would the near social implosion that is currently happening in Greece be a better example then?"


I see a couple of reasons why you could consider choosing a mutual fund over an ETF In some cases index mutual funds can be a cheaper alternative to ETFs. In the UK where I am based, Fidelity is offering a management fee of 0.07% on its FTSE All shares tracker. Last time I checked, no ETF was beating that There are quite a few cost you have to foot when dealing ETFs In some cases, when dealing for relatively small amounts (e.g. a monthly investment plan) you can get a better deal, if your broker has negotiated discounts for you with a fund provider. My broker asks £12.5 when dealing in shares (£1.5 for the regular investment plan) whereas he asks £0 when dealing in funds and I get a 100% discount on the initial charge of the fund. As a conclusion, I would suggest you look at the all-in costs over total investment period you are considering for the exact amount you are planning to invest. Despite all the hype, ETFs are not always the cheapest alternative.


But virtually all Americans pay some form of tax, whether it's sales, payroll, state income, or property tax.  I'm glad you mentioned this.  When you say something like Romney only paid 14% taxes, I will point you to this as well.


">more foreign capital would flow in   More capital flowing in to a country that defaults on its payments? Hah, that's a good one!  Brazil defaulted in the 1980s, the result was a lost decade of high unemployment and hyperinflation reaching upwards of 80% **per month**. Same with Argentina, only their hyperinflation was above 200% per month.  There's nothing positive coming from breaking up with the world's monetary system, any positive results that you get could be obtained with much less suffering by doing whatever austerity measures you need in order to honor your debts.  I'm Brazilian and had to go through that situation just as I was starting to work.  Ironically, the labour party is now in power here and Brazil is now a net creditor internationally. AFTER the ""evil capitalists"" took power and privatized the state corporations the situation started to improve, and the labour party finally managed to be elected and now are reaping the fruits of all that they fought so hard against.  I remember their slogans in the 1989 election campaign: ""the external debt is immoral and unpayable"", ""no to privatization""."


> The company’s operation in Michigan reveals how it’s dominated the industry by going into economically depressed areas with lax water laws  Why won't they go to a place where it is more expensive and where laws are stricter? Bastards!!


"Maybe read a bit about Bain from somewhere other than the Obama campaign.  ""Reviving companies"" was their basic MO, and was exactly what they did to Toys'R'Us, which makes me very suspicious regarding claims that they just ruined Kay-Bee for shits and giggles."


You could have the buyer go to the bank with you so that he can get evidence that the loan will be paid in full and that the lien will be lifted. The bank won't sign over the title (and lift the lien) until the loan is paid back in full. DMV.org has a pretty good section about this. (Note: not affiliated with the actual DMV) Selling to a Private Party Though more effort will be required on your part, selling a car with a   lien privately could net you a higher profit. Here are a few things   you'll need to consider to make the process easier:  Include the   details of the lien in your listing. You'll list an advertisement for   your car just as you would any other vehicle, with the addition of the   lien information that buyers will need so as to avoid confusion.  Sell   in the location of the lienholder, if possible. If the bank or   financial institution holding the lien is located in the area you're   trying to sell, this will make the transaction much easier. Once you   make an agreement with the buyer, you can go directly to the lender to   pay off the existing lien. Ownership can then be transferred in person   from the financial institution to the buyer.  Consider an escrow   service. If the financial institution isn't in your area, an escrow   service can help to ensure a secure transaction. An escrow service   will assume responsibility for receiving payments from the buyer and   will hold the title until the purchase is complete. Advantages of an   escrow service include: Payoff services, which will do most of the   work with the financing institution for you. Title transfer services,   which can help to ensure a safe and legitimate transaction and provide   the necessary paperwork once the sale is complete.


Monopolies are much more likely to come to power if there is no government. Monopolization is a common result of capitalism. Government is the only entity that can challenge a monopoly.  The wars we do not want are the result of our elections. If we had no military and no government, an outside government/military could invade us. That's a much bigger problem than us going to war in far away places.  Stupid, uneducated people won't go away when there's no government. Currently, they are relatively passive. What happens when they can't afford food and the laws are vague and uncertain? They will riot. Or worse. Revolt. Is your private police force going to shoot them? Imprison them? Who is going to pay for that?  We have far more control over the government than we do over big, multi-national corporations. How do you and I have any influence over Comcast or Bank of America? We are helpless against them. Fortunately, they don't have that much power right now. That would change if they took over the police and court system.


The advice of Franchise Foundation have benefited a lot of customers as the company is here to offer legal help to the clients about franchising a business San Francisco and tell people about the ways to make this opportunity successful. Keeping in mind the popularity of franchise, knowing how to franchise a business San Francisco proves fruitful and Mr. Franchise from this company offers the best advice to the clients.


I don't see the reason for this response. It seems the only logical conclusion since the following factors aren't explanatory:       I) resources;       II) environment (excluding Earth natural resources);       III) landlocking;       IV) historical circumstances (excluding evolutionary environ; cf. Clark, 2008);       V) colonial legacy (it's actually predictive of greater success, not less);       VI) badly-drawn borders;       &c. All explanations drawn from common equalitarian tropes seem to fall flat and counter-examples abound. What's more, other differences with a more biological, evolutionary basis are; A) more sensible, and; B) more explanatory.


"This arrangement is a scam to get around certain tax and benefits laws, both State and Federal. I know they can't get away with this with a person-as-contractor, but this ""he's not a contractor, he's a business owner"" may move it into a gray area. (I used to know this stuff cold, but I've been retired for a while.) The fact that they asked you to do this is at all is, IMNSHO, a Red Flag®. They think that this way they won't be paying 1/2 your FICA, your Workman's Comp, health insurance, overtime, sick leave or vacation time ... you will. A somewhat simplistic rule of thumb for setting contracting rates is to take your targeted annual salary as a full-time, full-benefits employee and double it. So $50,000 becomes $100,000 a year; $25/hour becomes $50/hour. You can tell them that driving to their workplace from your company's location is now a ""site visit"" and charge them your hourly rate for the one-way commute time. You could also tell them that your company charges 150% for hours worked over 40 hours/week, plus 150% on Saturdays and 200% on Sundays. Your company may also have a minimum 30 days notice of termination with a penalty kicker. Get it all in writing and signed by someone who has the authority to sign it. Also, Get A Lawyer. The most expensive contracts I've ever signed were ones I thought I was smart enough to draw up myself."


That's a big possibility... But they may also be cutting margins and taking advantage of their supply chain and logistics. Given that they're doing this from day 1, it's got to be either cutting margins or taking a short-term loss. If they are using their deep pockets to drive out competition, they should (rightly) attract regulatory attention.


Well, yeah, but did they affect *everything* equally?  You don't get two houses, one for your extra worker, so it decreases demand for the *number* of houses relative to the number of workers.  A textbook author or journalist authors the same book or newspaper article; it's just printed more times.  It does cause a shift in what types of labor are in demand relative to supply.


One of my university professors suggested doing this systematically to get access to shareholder meetings where there is typically a nice dinner involved. As long as the stock price + commission is less than the price of a nice restaurant it's actually not a bad idea.


You should check out Dave Ramsey's Baby Steps.  He has an great and well organized plan for getting out of debt and building wealth.  My wife and I have followed the plan and will be paying off our home this year :)  His advice on debt payments is to pay off the smallest balance first.  This helps motivate you and your husband to push harder on your debts.   Once the first pay is paid the money that would have gone to that debt is applied to the next smallest debt and so on.  This is called a 'debt snowball' since by the end you will have plenty of money to pay that last few debts.  While working on the smallest debt, making minimum payments on the others. Stop using the credit cards entirely! Don't use gimmicks to avoid facing the reality of the debt.  Close your accounts and commit to never borrowing money again. This is a huge physiological shift.  I used credit cards all the time for decades, that is a thing of the past for us, we pay cash or don't buy it.  In your case, paying the 80% interest loan off is likely to be priority.  I didn't even realize that was legal.  Hopefully that is also the smallest balance.   Start making a monthly budget and sticking to it.  Check out Dave's 'irregular income' budget form, it is meant for couples in your situation.  The first steps will be to pay food, rent, utilities and transportation.  After that, list your debts in priority order and pay them as your husbands income comes in during the month.  Don't despair, you two can get your financial life cleaned up! You just need a good plan and a lot of focus.


How would I go about doing this? Assuming you had purchased the house by funding from your NRE account, you can easily move back the 30K into NRE Account and out of India from NRI Account. The 30K profit would be taxed in India as per capital gains and can only be moved into NRO account. A CA would need to certify that appropriate taxes have been withheld before the bank will release the funds for repatriation out of India. There is also a limit [large 1 million USD] on how much funds can be moved out of India. Consult a CA who would help you with the formalities. If you have not funded the purchase from NRE account, the entire proceeds should be into NRO account and then move funds from there.


There are several things that are missing from your estimate: The terms for the mortgage for a rental property will be different. You may be required to have a larger down payment. When approving you for the mortgage they will not count all the rental income as income, they will assume periodic vacancies. This difference may impact other credit you will be getting in the near future.


Both of the other posters have some really good points worth remembering about the stability/liquidity of a savings account and the often overlooked fact that you can withdraw any money you put in to a Roth IRA because it's already been taxed. I'm 28 and found myself in a similar situation as you about a year or so ago. I wanted a relatively liquid place that I could store and grow some money. CD's and Savings accounts just weren't getting a high enough rate to make a return work for me, especially with only a little money to start. I would highly suggest checking out a social lending platform like Prosper.com or Lendingclub.com. I use Prosper.com and this platform will give you some really nice benefits: Here's a good article that can explain more about it and get you started: http://www.financialsamurai.com/investing-in-peer-to-peer-lending-with-prosper-com/ just keep in mind that while there is some liquidity here (you can resell the notes you invest in) generally speaking expect to hold on to those notes for at least 3 years (your share of the paid principal gets paid out to you in addition to the interest each month.)


Exactly.  That's one of my biggest issues with my company.  People seem to think they have a guaranteed job for life and only learn their narrow little task.  Many of them push buttons and have no understanding of the task they are performing...they just follow the instructions someone gave them and don't think beyond that.  I work in accounting and the woman who sits across from me knows nothing about using Excel.  When I suggested that she take a class or read a book, she threw a fit.  In her opinion, if the company wants her to use a program, they should hold her hand and spoonfeed the training to her.  These are the ones who will be out of a job sooner or later and find out they have no skills that will transfer to another position.


"put a fake ""foreclosure notice"" on your door."


"This is the best tl;dr I could make, [original](https://www.vox.com/the-big-idea/2017/6/23/15855342/immigrants-wages-trump-economics-mariel-boatlift-hispanic-cuban) reduced by 96%. (I'm a bot) ***** > So we should look separately at what happened to wages for each of those groups of low-skill workers who might compete with the immigrants more directly: men only, non-Cuban Hispanics only, prime-age workers only.  > There is not sufficient evidence to show that Cuban immigrants reduced any low-skill workers&#039; wages in Miami, even small minorities of them, and there isn&#039;t much more that can be learned about the Mariel boatlift with the data we have.  > David Card&#039;s canonical conclusion stands In sum, the evidence from the Mariel boatlift continues to support the conclusion of David Card&#039;s seminal research: There is no clear evidence that wages fell among the least-skilled workers in Miami, even after a sudden refugee wave sharply raised the size of that workforce.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6j48za/theres_no_evidence_that_immigrants_hurt_any/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~151149 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*: **wage**^#1 **work**^#2 **Miami**^#3 **low-skill**^#4 **boatlift**^#5"


"You obviously pay your taxes in Switzerland and are employed (judging from your comments on your maximum possible contribution to the 3. Säule). Under these circumstances, your best best may well be to pay into the occupational pension system (""Einkauf in die 2. Säule""). Essentially, you can add funds to your pension plan to match non-existent employer contributions from times you spent studying etc. The 2. Säule is usually defensively invested in bonds, so it's not a completely secure investment. In addition, it's a pretty fixed investment, since you can only get your money out if you buy a house or leave Switzerland for good. However, your entire payment into the 2. Säule is tax deductible, so the tax effect in itself should be a very attractive bit of ""interest"". Your pension plan can inform you about the maximum possible Einkauf."


Yodlee will also work. I asked a similar question (and provided answers) here. Thrive, so far, is the best in my opinion. Their tech support is top notch and their UI is far superior to Yodlee's (which provides the backend for Mint).


Freedom of religion is fine, except islam isn't a religion, it's a terrorist organization. It's just been mis-classified but a lot of people are waking up right now and realizing it.   This isn't about me being a racist, this is about me not wanting any more innocent people to get their heads cut off, blown the fuck up, or hit with hammers, in the name of fucking Allah.


We provide Wedding Bridal Chura & Kalire in various desired colors. We are one of the renowned manufacturer and exporter from India. We sell all Wedding Bridal products at the most affordable price. No body offers on this price such a good quality of Bridal Bangles and Kalire. We make bridal chura in all sizes such as 2.2, 2.4, 2.6, 2.8, 2.10, 2.12 & 2.14.  http://mybridalshoppe.com/


No one on here will be able to tell you if now is a good or bad time because that would require them to speculate on the future FX rate, if you want a guess try to find some forward FX rates and see but tbh its not worth doing for your situation instead of trying to speculate on the FX rate you would be better off exchanging asap and investing if your worried about making the most of the money..


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-10-25/with-economy-almost-home-poloz-treads-carefully-on-rate-path) reduced by 88%. (I'm a bot) ***** > The Canadian economy is almost home, according to the nation&#039;s central bank, but Stephen Poloz is trying to make sure the roof doesn&#039;t cave in.  > The economy is in a &quot;Sweet spot&quot; where it &quot;Could be capable of generating more non-inflationary growth than we are assuming,&quot; Poloz said in a press conference following the rate decision.  > Excess capacity in the labor market suggests little risk of inflation overheating in the near term, said Poloz, who highlighted involuntary part-time workers, subdued work force participation among youths, lower than expected hours worked and softness in wage growth as signs the economy has further room for improvement.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/78t6fn/with_economy_almost_home_poloz_is_treading/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~235204 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*: **growth**^#1 **bank**^#2 **rate**^#3 **economy**^#4 **expects**^#5"


Venture Capital as others have said is one way. Another way is to become very involved in your start-up community. Go to the events, meet people...etc. Generally you will find that most of the individuals do not have a finance background and may want help from you.   This is one of the ways I stay involved in startups.


Making the company isn't what the fuss is about. Charging yourself 'fees' through that company so that you don't how to pay out the director whose contract is on the *net* of profits is what the fuss is about.  I'm surprised that with millions of dollars on the line they don't sue, setting a precedent for these sham fees for all studios.


"But it's also true that the FDIC (or equivalent) insurance account doesn't have enough to cover all deposits.  The FDIC may come in handy if your local FDIC member bank goes belly up and a few hundred depositors need to be made whole.  However, in a national crisis, where the government is ""legally"" stealing funds, that FDIC insurance is a joke.  I do agree though, if you have more than the insured amount in a single account, split it up."


There are many considerations before deciding on the best place for your funds: How liquid do you need the funds to be?   If this is for an emergency fund I would keep at least some in an account that you have instant access to,  What is your risk (volatility) tolerance? Would you be OK with the value dropping by as much as 30% in a year knowing that over time you'll probably earn 8-12% on it?  If not, then equity funds or other stock investments are probably not the best move for you. Do you need the funds now or are they for long-term (retirement) savings? Are you eligible to fund an IRA? That would defer your taxes until you withdraw the funds from the account, but there are age restrictions that you must heed to avoid penalties. Are CDs a good idea? They do pay decent interest, but in return for that you lock up your funds for a set period of time.  All that to say that there are many facets to determining the best place for your funds.  If you provide more specifics you can get a more specific answer.


I would suggest talking to your parents about potentially co-signing on the loan with you. Just make sure that you are the primary holder of the loan. Sure, there is some risk for your parents, but they know you better than anyone so let them make the decision if they want to help you or not.  If for some reason they can't help you, such as they've declared bankruptcy, then following the other answers' advice is the way to go.


Congratulations on your raise! Is my employer allowed to impose their own limit on my contributions   that's different from the IRS limit? No. Is it something they can limit at will, or are they required to allow   me to contribute up to the IRS limit? The employer cannot limit you, you can contribute up to the IRS limit. Your mistake is in thinking that the IRS limit is 17K for everyone. That is not so. You're affected by the HCE rules (Highly Compensated Employees). These rules define certain employees as HCE (if their salary is significantly higher than that of the rest of the employees), and limit the ability of the HCE's to deposit money into 401k, based on the deposits made by the rest of the employees. Basically it means that while the overall maximum is indeed 17K, your personal (and other HCE's in your company) is lowered down because those who are not HCE's in the company don't deposit to 401k enough. You can read more details and technical explanation about the HCE rules in this article and in this blog post.


"This is the best tl;dr I could make, [original](http://fortune.com/2017/07/06/coinbase-irs-summons/) reduced by 68%. (I'm a bot) ***** > &quot;DOJ trial attorney Amy Matchison said at a court hearing before U.S. Magistrate Judge Jacqueline Scott Corley Thursday that the IRS has been in talks with Coinbase about narrowing its request to only items the agency would need to look for unreported income,&quot; reported The Recorder, a legal site that reported on the hearing.  > The agency has stated that only 802 people declared gains or losses related to bitcoin in 2015.In a email, Coinbase declined to comment on the IRS&#039;s reported decision not to seek passwords, and referred Fortune to a blog post from March in which the company said it is pushing the agency to reduce the scope of the probe.  > When news of the IRS probe first emerged, some legal observers predicted the agency&#039;s demands for all of Coinbase&#039;s customer records was just a negotiating tactic, and that it would ultimately ask for only a portion of them.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6lsekz/irs_says_it_will_limit_bitcoin_auditsbut_only_a/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~161341 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*: **Coinbase**^#1 **IRS**^#2 **agency**^#3 **customer**^#4 **account**^#5"


I also prefer to crunch the numbers myself. Here are some resources:


This is the chart going back to the first full year of this fund.  To answer your question - yes, a low cost ETF or Mutual fund is fine. Why not go right to an S&P index? VOO has a .05% expense. Why attracted you to a choice that lagged the S&P by $18,000 over this 21 year period?  (And yes, past performance, yada, yada, but that warning is appropriate for the opposite example. When you show a fund that beat the S&P short term, say 5 years, its run may be over. But this fund lagged the S&P by a significant margin over 2 decades, what makes you think this will change?


">The currencies pay people for mining  Why do you think people mine? What is the function of ""mining""?  >There is no reason financial institutions couldn't create their own closed-network to recordkeep transactions using block chain but without a cryptocurrency.  Walk me through how that looks. This would be a node based system right? Not a client-server model?"


>You are watching the wrong stuff. TV is in a Golden Age.  I agree, but at the same time the bottom-end of the programming spectrum is taking a nose dive. For every Mad Men or Breaking Bad there's five Jersey Shores or Khardashian-grade toxic waste. The divergence is wider now than ever. Personally, I don't really mind because I barely have time to watch the good stuff anyway, but I otherwise weep for humanity.


You said all public employees should be required to fly coach. I never claimed more than that in my response. I simply pointed out why this was a silly thing to get worked up over.  You didn't explain what you did. Nor does it matter.  Again, tax dollars and union dues are two very different things. Just like private company profit is different.  You can have an opinion on tax dollars.  Union practices are none of your business unless you're paying dues.


The best way I know of is to join an investment club.  They club will act like a mutual fund, investing in stocks researched and selected by the group.  Taking part in research and presenting results to the group for peer review is an excellent way to learn.  You'll learn what is a good reason to invest and what isn't. You'll probably pick both winners and losers. The goal of participation is education.  Some people learn how to invest and continue happily doing so. Others learn how to invest in single stocks and learn it is not for them.


There are many facets to the question of why HP is failing so miserably, but if you ask me it comes down to the many failing companies that they have acquired over the years. Compaq, Palm, etc. It seems like HP loves to scoop up companies on the downswing, spends billions for them, and then quietly kills them off with seemingly no advantage to HP. Granted, this is an outsiders point of view but I never thought that Compaq or Palm were good fits for HP, other than knocking another competitor out of the playing field, but when you pay billions for a competitor, it just makes the payoff that much less.


There is a BWW down the road from me. There's also a local gastropub down the road that has wings that are just as good as BWW if not better. The local gastropub is cheaper, has better happy hour specials, has a better atmosphere, treats their workers well and is locally owned.   Why on Earth would I go to BWW? Really not hard to understand.


Because their chicken is neither soggy or bland and they have spectacular customer service.  It's a very very customer service driven chain and they have stayed private to retain control on who franchises.  Pick a lunch there sometime during peak and you will be amazed at the volume, service, and quality during peak (something that dips strongly at most other stores across the board).


When you itemize your deductions, you get to deduct all the state income tax that was taken out of your paycheck last year (not how much was owed, but how much was withheld). If you deducted this last year, then you need to add in any amount that you received in state income tax refunds last year to your taxes this year, to make up for the fact that you ended up deducting more state income tax than was really due to the state.  If you took the standard deduction last year instead of itemizing, then you didn't deduct your state income tax withholding last year and you don't need to claim your refund as income this year. Also, if you itemized, but chose to take the state sales tax deduction instead of the state income tax deduction, you also don't need to add in the refund as income.  For whatever reason, Illinois decided that you don't get a 1099-G. It might be that the amount of the refund was too small to warrant the paperwork. It might be that they screwed up. But if you deducted your state income tax withholding on last year's tax return, then you need to add the state tax refund you got last year on line 10 of this year's 1040, whether or not the state issued you a form or not.  Take a look at the Line 10 instructions  starting on page 22 of the 1040 instructions to see if you have any unusual situations covered there that you didn't mention here. (For example, if you received a refund check for multiple years last year.) Then check your tax return from last year to verify that you deducted your state income tax withholding on Schedule A. If you did, then this year add the refund you got from the state to line 10 of this year's 1040.


The quality of the discs generated through this process is definitely higher than the quality of the discs produced through duplication. On the contrary, in the process of CD/DVD replication, each disc is paid individual attention and the result is no compatibility issues and no lags too.Some clients might take this as lack of professionalism, but on the contrary, there is no such issue related to those being replicated.


You should check directly with the seller. I suspect you will find they have not recieved any money. Paypal tend to hang on to money as long as possible in all transactions, and will do anything to avoid giving out cash before it has come in.


he was installed when the bottom was falling. He hadn't much to do with the Stock value plummeting. From what I recall he also took a $1 salary his first year in the position. Although, I'm not a big fan of this bank I will say that he has improved their outlook since he has been the head.


Yeah it's called the Fed buying shit mortgages that the banks invented to make money, then got bailed out on 100 cents on the dollar for, and with an underhanded deal that the banks will then buy Treasury bills with the magically prestidigitated money the Fed creates out of nothing that the banks receive in order to prop up federal debt prices, and thus keep interest rates down, so the dollar can limp along a little while longer until the bottom drops out because they are out of ways to keep the money cheap because at some point government debt will become massively discounted no matter what they do.  Only, how does this bizarre circlejerk process end?  It ends with consumption ramped up consuming things for a large war, is how it ends.  Edit: I'm wasted.  Fuck you.


"The curriculum is effectively 99% identical year by year. If you do a Google search for the changes by year, the CFA Institute will post changes in the ""Learning Outcome Statements."" However, I believe when you register for the exam, you have to buy the associated books. But you can safely browse old books if you want to explore more before making the plunge."