I too live in Europe.   being that you live in Europe you must also be aware of the vastly more generous labor laws than in the US. yet you would have the audacity insinuate that such laws are causing such social and economic upheaval.   You should ALWAYS care about the well being of your employees. when you need them to perform the job well, they will certainly remember that time you fucked them over when their kid broke their leg. or their mental health declined as you refused to give time off for bereavement. all of those things impact how said role is performed. if you cannot manage the fact that other people have personal lives you have no business as a manager.  and i know this might come as a shock. but bear with me. when people are paid more....they can afford to by more things. that drives.....the economy (unless your sole target demographic are the wealthy.). how anyone could be so short sighted to do otherwise is simply beyond reason.  ^ see a few examples of risks listed above. overworked employees fuck up more. thats a risk. disgruntled employees are a risk. underpaid workers are a risk. strong labor laws ensure employers don't become unruly, greedy slapdicks.


"Unless you are buying a significant value of your goods in USD then the relative strength of USD versus your local currency will have little to no effect on what the value of your investments is worth to you. In fact only (de|in)flation will effect your purchasing power. If your investments are in your local currency and your future expenses (usage of the returns on the investments) will be in your local currency FX has no effect. To answer your question, however, since all investments involve flows of money there can be no investment (other than perhaps gold which is really a form of currency) that isn't bound to at least one currency. In general investments are expected to be valued against the investor's home currency (I tend to call it ""fund currency"" as I work with hedge funds) as the return on the investment will be paid out in the fund currency and returns will be compared on the same basis. If investments are to be made internationally then it is necessary to reduce, or ""hedge"" the exchange rate risk. This is normally done using FX swaps or futures that allow an exchange rate in the future to be locked in today. Far from being unbound from FX moves these derivatives are closely bound to any moves but crucially are bound in the opposite direction to the hoped for FX move. an example of this would be if I'm investing 100GBP (my local currency) in a US company XYZ corp which I expect to do well. Suppose I get 200USD for my 100GBP and so buy 1 * 200USD shares in XYZ. No matter what happens to XYZ stock any move in GBP/USD will affect my P&L so I buy a future that allows me to exchange 200USD for 100GBP in 6 month's time. If GBP rises I can sell the future and make money on both the higher exchange rate and the increase in XYZ corp. If GBP falls I can keep the future until maturity and exchange the 200USD from XYZ corp for 100GBP so I only take the foreign exchange hit on any profits. If I expect my profits to be 10USD I can even buy futures such that I can lock in the exchange rate for 110USD in 6 months so that I will lose even less of my profit from the exchange rate move."


"Tariq Terrorist: ""Hmm, should I attach an Airbnb rental or a major landmark hotel? You know what, I'll go blow up some appartment in the 'burbs""   There are several reasons I'm not an airbnb customer, preferring places with a 24/7 front desk for checkin and checkout and a more consistent experience between rooms, but terrorism isn't really a factor here."


There is little difference between buying shares in your broker's index fund and shares of their corresponding ETF.  In many cases the money invested in an ETF gets essentially stuffed right into the index fund (I believe Vanguard does this, for example).  In either case you will be paying a little bit of tax.  In the ETF case it will be on the dividends that are paid out.  In the index fund case it will additionally be on the capital gains that have been realized within the fund, which are very few for an index fund.  Not a ton in either case.  The more important tax consideration is between purchase and sale, which is the same in either case. I'd say stick it wherever the lowest fees are.


Your hard and compelling preparing must be related with the correct amount of games sustenance important protein. This will help you in expanding your wellness capacity and in the process acquire more power, quality, and stamina as you prepare. You have the right stuff and are legitimately spurred so you are into games and need steady training. To have the training, you require Sports Nutrition and Workout Support. This will help in arranging you for your next exercise, the more will be your requirement for a holding framework, similar to sports sustenance items, for example, essential protein.


> I'd have to leave my second income producing job to take the plunge for the second business.   > The business itself is already sustaining itself with no management.   Why would you need to give up your guaranteed paycheck? Let it run for awhile, as is, until you are assured of its continued viability, then consider making the move. Do not forget to allow for provisioning of the the benefits that you will be giving up.


So I don't like zoning laws and I think they're both archaic and stupid. I'm just going to build my house wherever the fuck I want because that's my opinion. If you criticize me for doing that, I'm going to say that I had an obligation to because regulation was bad so following it would be irresponsible.   This isn't the civil rights movement we're talking about. They're unregulated taxis that intentionally and maliciously skirted regulation until they had enough customers to apply pressure to regulations. That's it.


A trusted name Clipping path BD (CPBD) is a clipping path service provider but a different name amongst all the competitors because of it’s creativity. CPBD thinks and analyzes those issues which are out of thinking for other competitors but very essential for clients to touch their expectations. Our attempt is only to make customers satisfied truly serving the pretty quality.


Putting aside whether that characterization is reasonable, it doesn't follow from what Speckles said. He is suggesting that PayPal shutting people out of its own service would make alternatives to that service *more* of a fringe thing. I don't see how.


Choosing between an emergency fund and investing aside, there is no reason to use a systematic investment plan when you have a lump sum ready to invest. Here are the three possible futures, and the effects on each strategy: Obviously if you are investing in the market you expect it to go up over time, so using an SIP will work against you in that case.  If the market does go down you'd be better off, but historically the market has gone up more than it's gone down, so there's no practical reason to keep money in your pockets  You can always rebalance, change investments, do whatever after you've invested, so at worst you may have some transaction fees, but that shouldn't be a huge issue.


Back when they started, Discover undercut Visa and Amex fees by about a point. This was also true when I worked for a mail-order computer retailer in the '90s: if a customer asked us which credit cards we took, we were told to list Discover first (and AmEx last) because Discover had the lowest merchant charges. Possibly this is no longer true today, but for quite a while it was a significant selling point of the Discover card to merchants, and a reason why many did sign on. (A reason some stores did not sign on was that Discover was owned by Sears, and many businesses that competed with Sears didn't like the idea of sending any of their profits to the competition.) Today, Discover also owns Diners Club and the fees for those cards are higher.


It doesn't matter what industry. 25% *is* high growth. Especially for a company of that size. Their Debt/Equity was flat from '14 to '15, decreased in '16, and has decreased again LTM. And they aren't issuing equity, so how are they financing themselves?  Their inventory turnover has been greater than 8x since 2012 because a lot of their sales aren't actually held as inventory. So with AWS as the huge growth engine, along with Amazon Prime, and a significant portion of sales not tied to inventory, I'm not sure why you think the key driver of this equity will be inventory turns. That's just such a value play and frankly, I think, not that relevant to Amazon's future growth potential.  Almost all high growth equities are valued on a FY1 P/E ratio. That ratio is comped out on other metrics like same store sales (retail), average monthly users (social media), etc. and some sense of how those metrics convert to future earnings.  I personally think this method makes sense. Due to the compounding nature of growth rates and the high variability you are never going to get seriously comfortable with you future earnings projections. You basically say what are earnings going to be for the next 12 months and then express growth potential beyond that, the quality of NTM earnings and your uncertainty by adjusting the P/E.


The problem is not just the minimum wage. It's that the minimum wage is not enough to live on, and yet it's simultaneously extremely difficult to earn more than minimum wage if you're trapped in the cycle of earning minimum wage and spending all your money and free time keeping your head above water.


"Disclaimer: I work in trading as an analyst for a hedge fund, not ibanking. Take everything with a grain of salt.   >Pretty much, I'm a student at UCSB who has recently become interested in pursuing I-Banking.  Why?   >As it looks, I currently don't have an internship lined up for this summer  Get something. Or do something interesting like surf the barrier reef for the summer. I was working with the principals recently on hiring (i.e. had to screen resumes / do the first round interviews) for an entry-level position and recent grads without any experience were an automatic no. People with interesting experience (or cool thesis) sometimes got an interview if only because it's interesting and novel. Other places may disagree or have different philosophies but I can't imagine this is totally dissimilar.  >If I can't find an analyst position in the next few weeks, I plan on working my ass off over summer reading and researching what it means to be an I-Banker.   Idk, there's really not that much to it. ""Can you use Excel extremely well""; ""do you function well with little sleep""; ""do you understand basic financial modeling"". An ibanking analyst at a money center bank isn't doing hugely sophisticated things.   >I'm aware that none of these schools are target schools, but I have heard good things about west coast banking at USC and east coast/south for vandy.  Reasonable. Either one will would probably allow you to get your foot in the door.   >I love UCSB, I love the people, the atmosphere, my fraternity, and the weather.  Why leave? I don't see the upside to doing so.   >However, I'm getting to a point in my life where the decisions I make are becoming much more important, and I am willing to sacrifice what I have developed at UCSB for more opportunities to break into Ibanking/PE/hedge funds   Why? What's the reason? Money? There's nothing wrong with wanting money, however please understand your motivation for wanting to go into ibanking and make sure it'll make you happy.   I work in the hedge fund world (analyst). It's interesting and I personally enjoy it a great deal. That said the majority of the traders I know are constantly talking about quitting and doing something meaningful with life.  Do what you *enjoy* and if that happens to be finance, go for it. Your biggest challenge in ibanking is getting in the room. I think networking helps for that, I imagine the internet is full of resources on that. And then surviving once you do - that part always seems the hardest. There's a lot of ex-ibankers out there.   My girlfriend was an investment banker for a spell. I asked her and she said ""do interesting things, get good grades, work hard, and learn Excel"". She said that for one of her interviews they pretty much talked about food the whole time and partying in France. So go figure."


One reason that a bond can be significantly less than face value is because people are seeking better investments elsewhere, so for example if a bond doesn't mature for another 10 years, that 20% increase in face value isn't very attractive when compared to say leaving your money in the stock market for 10 years. Another reason could be that the credit-worthiness of the issuer has collapsed and people expect that there is a fairly good chance they are not going to make the payment. This could be what you would see if for example it was a one year time until maturity, but it has a value of 40% of the face value. There is a risk, because they can simply not pay. For example people who bought Greek bonds.


Augmented Reality in industry.  Stuff like hard hats with a HUD that shows you the BIM model as you work, what's behind that wall before you drill, sensory data like temperature, and so much more.  It's already starting to creep in as BIM replaces CAD.


This could backfire.  I was a field service engineer for Ford Motor Company in the early 1990s, and they offered an extended unlimited mileage warranty to customers (at an additional cost of just under $1000 per vehicle.)  Several fleet customers bought hundreds of vehicles and began driving them 24/7 - we had several trucks that we chose to buy back from customers that had exceeded 500,000 miles in just a couple of years.  People will take advantage if you give them an opening.


> The company dismissed free speech concerns. “Not only is there no First Amendment concern, but the notion that we should turn a blind eye to criminal conduct because other countries may take oppressive steps in response is an affront to the very fabric of this nation.”  Other countries? We're concerned about OUR country!


Actually, you may even need to contact a professional mould removal service. Should you or a professional monitor discover that you have a mould issue; it is exhorted that you get your concern settled. This is completed by having the mould in your home or business structure removed.


How does compounding of annual interest work? answers this question. It's not simple compound interest. It's a time value of money calculation similar to mortgage calculations. Only the cash flow is the other way, a 'deposit' instead of 'payment'. When using a finance calculator such as the TI-BA35 (Note, it's no longer manufactured, but you can find secondhand. It was the first electronic device I ever loved. Seriously) you enter PV (present value) FV (future value) Int (the interest rate) nPer (number of periods) PMT (payment).  For a mortgage, there's a PV, but FV = $0. For you, it's reversed. PMT on this model is a positive number, for you it's negative, the amount you deposit. You also need to account for the fact that a mortgage is paid on day 31, but you start deposits on Day 1. See the other answer (I linked at start) for the equations.


Only on an accounting basis. The moment they start selling, it would plunge. Take a look at all the small float tech IPOs. Big pop, but once the lockup period ends, it drops 50% as insiders sell. In the end, fundamentals will rule. Facebook managed to unload a quarter of the company at the vastly inflated $38, which is very impressive. The other tech IPOs typically sell less than 10%, because selling more would lead to very low share prices. Remember, these guys are not retail investors selling 100 shares. The ticker shows the price of the last block of shares that was traded, but when someone tries to sell a couple million shares, then it will plunge.


I dislike reading opinion articles because most people have a construed understanding of monetary policy and macroeconomics.  I disagree completely about the Yuan possibly taking over as reserve currency. First of all, some countries use it as a reserve because they deal with china a lot and purchase a lot from china. when you purchase from china you either have to buy with Yuan or US dollar. we obviously print the dollar so we have no issue buying from them in dollar but many countries prefer to use the Yuan because they may have lower dollar reserves or its a higher transaction cost. Secondly, and probably the most important, is that China will be a failed economy/society most likely in the future. 1.5 billion people of many different ethnic groups. extreme inequality will lead to social unrest (already has). China has a lot of shit to take care of. It's quite laughable if anyone thinks the Yuan is a stable currency and can be a good reserve currency.   I posted a link for you to read if you want to understand the monetary system and what the Fed's role is. Here it is again:  http://pragcap.com/understand-the-modern-monetary-system/understanding-modern-monetary-system  read it and tell me what you think.


If I had to guess, I'd say Whole Foods has platoued profit wise and outside of new stores they don't have any new means to earn money. With more traditional grocery stores selling organic food in greater amount I suspect they were feeling the pressure.


Edit3: Regarding the usefulness of the bare number itself, it is not useful unless, for example, an employer uses that average in the computation of how many options the employer grants to the employee as part of the compensation paid. One of my employers used just such an average. What is far more common is to use two or more moving averages, of different periods, plotted on a chart.  My original response continues below... Assuming there are 252 trading days a year, the following chart does what you have done but with a moving average: AAPL on Stockcharts.com  Edit: BTW, I looked up the number of Federal holidays, there are 9. The average year has 365.2422 days. 365.2422 × 5/7 = 260.8873. Subtract 9 and you get 251.8873 trading days in the average year. So 252 is a better number for the SMA than 250 if you want to average a year.  Edit2: Here is the same chart with more than one average included: AAPL chart w/indicators


"What you need will depend on a number of factors that aren't clear from the question. This coverage is simply called ""Vacant home insurance"", but not all companies are willing to offer this coverage. Unfortunately, in New York, insurers can also legally drop your standard homeowners' coverage if they become aware that your property has become vacant for 30 days or more. The Insurer's Concerns Typically, a ""standard"" homeowners policy will have an exclusion clause for vacant homes. The insurance company's concern is that without someone in the home, they will be at risk for break-ins, squatters and vandalism. If you've ever seen ""Flip Men"" on Spike, you'll know this is a serious concern (great show, by the way). They will use a risk model to calculate an estimated risk for the property (this is why a seasonal vacation home in a sparsely-populated area is often less of a concern than a family home in an urban area). If they estimate the risk to be low, some insurance companies will allow to you buy back that exclusion so that vacant properties are covered. In your case, they have probably decided that either: Your Options First, you need to find a company that is comfortable with taking on the extra risk of a vacant home. This will vary quite a bit by location, but the main ones are Farmer's (they use the Foremost brand name in New York) and Castle Rock. There are lots of insurance agencies that also advertise these products, but most of them are middlemen and use one of these two companies to actually write the coverage. Additionally, since this is a specialty policy, make sure you understand all of the details of the policy, and how they vary from a regular policy including: How to Reduce your Premium costs These are general tips from the Murray Group's website (an independent broker in NY) on how to lower the additional cost of vacant coverage: This may sound expensive, but these steps will all reduce the risk of something really bad happening when you're not there. Additionally, do you know anyone you completely trust (relative, unemployed friend) that might want to live in your old house rent-free for a while? This could work out for you if they are willing to keep the place 100% clean around the clock so that you can show the house at any time. If you have additional/specific questions, you should be able to find an independent insurance broker in your area that would be willing to advise you on your specific situation for a flat fee. Best of luck with getting the home covered and sold quickly!"


Firstly, you haven't traded long enough. Secondly, you have just had a lot of luck that most of your trades came back. Thirdly, you should develop a trading strategy having entry rules, exit rules and risk management rules (never trade on margin without risk management or stop losses). Lastly, never trade on intuition or your emotions, stick to your plan, cut your losses small and early, and let your profits run.


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There is some element of truth to what your realtor said.  The seller takes the house off the market after the offer is accepted but the contract is contingent upon, among other things, buyer securing the financing. A lower down payment can mean a higher chance of failing that. The buyer might be going through FHA, VA or other programs that have additional restrictions. If the buyer fails to secure a financing, that's weeks and months lost to the seller. In a seller's market, this can be an important factor in how your bid is perceived by the seller. Sometimes it even helps to disclose your credit score, for the same reason. Of course for your situation you will have to assess whether this is the case. Certainly do not let your realtor push you around to do things you are not comfortable with. Edit:  A higher down payment also helps in the situation where the house appraisal does not fare well.  As @Dilip Sarwate has pointed out, the particular area you are interested in is probably a seller's market, thus giving sellers more leverage in picking bids. All else equal, if you are the seller with multiple offers coming in at similar price level, would you pick the one with 20% down or 5% down? While it is true that realtors have their own motives to push through a deal as quickly as possible, the sellers can also be in the same boat. One less mortgage payment is not trivial to many. It's a complicated issue, as every party involved have different interests. Again, do your own due diligence, be educated, and make informed decisions.


Except history in this country has already shown us that the rich can in fact be taxed significantly higher than they are now and they don't all run and hide their money.  So instead of Mieses' book we could actually study the people who already didn't do the things you claim they'd all do. So no, it in fact will not answer a lot of things better than research of actual data will.


That sounds like a lot, but this number alone doesn't mean much.  I think 16 million dollars could be justified compared the amount of money Ticketmaster may have to divy out.  However, if Ticketmaster is just handing out coupon codes, they really are not losing too much. :(


The papers you would need to buy are called 'futures', and they give you the right to buy (or sell) a certain amount of oil at a certain location (some large harbor typically), for a certain price, on a certain day. You can typically sell these futures anytime (if you find someone that buys them), and depending on the direction you bought, you will make or lose money according to oil rice changes - if you have the future to get oil for 50 $, and the market price is 60, this paper is obviously worth 10 $. Note that you will have to sell the future at some day before it runs out, or you get real oil in some harbor somewhere for it, which might not be very useful to you. As most traders don't want really any oil, that might happen automatically or by default, but you need to make sure of that. Note also that worst case you could lose a lot more money than you put in - if you buy a future to deliver oil for 50 $, and the oil price runs, you will have to procure the oil for new price, meaning pay the current price for it. There is no theoretical limit, so depending on what you trade, you could lose ten times or a thousand times what you invested. [I worded that without technical lingo so it is clear for beginners - this is the concept, not the full technical explanation]


Does me holding stock in the company make me an accredited investor with this company in particular? No.  But maybe the site will let you trade it your shares to another accredited investor. Just ask, if the site operators have a securities lawyer they should be able to accomodate


Not a bad strategy. However: If you REALLY want tax efficiency you can buy stocks that don't pay a dividend, usually growth stocks like FB, GOOGL, and others. This way you will never have to pay any dividend tax - all your tax will be paid when you retire at a theoretically lower tax rate (<--- really a grey tax area here).  *Also, check out Robin Hood. They offer commission free stock trading.


"Also, since I'm guessing OP isn't flush with cash, not having to come up with additional money to pay the student loans for some time will provide some short-term ""debt relief""... possibly reducing the possibility of racking up more CC debt."


I always like how a big company or government can be drenched in debt with almost zero practical chance of not defaulting in the future and the ratings agency will warn that maybe soon it might probably cancel its investment grade status.


Every class my Finance Prof writes a number on the board, I have no idea what it is other than it is related to the field of Finance. But I have it on good authority that it will be a bonus question on the final exam to find out what it is.    Date | # Written ---|--- Oct. 12 | 13 Oct. 17 | 15 Oct. 19| 15 Oct. 24 | 15 Oct. 26 | 15 Nov. 2 | 11 If anyone knows please help a brother out. Dates are North American.


Well if that looks like a pain in the neck, just look at the things we've engineered before (ocean floor drilling, mountaintop removal, the International Space Station, etc.) Even coal fired power plants are an engineering nightmare. These gravity batteries would be pieces of cake compared to what I just mentioned.  Also, certain labs (I can't name them off the top of my head) are developing carbon fiber power lines that would have virtually no electrical resistance and wouldn't lose any power to heat. In light of that, do you think renewables would be feasible?


She walks backwards, making sure that the ground is clear. She tenses, bounces up and down to warm up and then, slowly at first, gathering steam, she begins to sprint. She's right on target, her leg goes back and now it's swinging forward, forward and *BOOM* it connects and the can goes flying down the road.  The world markets go wild for another 72 hours before pessimism returns!


Insurance companies vary.  A former roommate of mine had to add me to her policy as a driver even though there was 0 chance I was ever going to drive this roommate's car.  My insurance company on the other hand had me add my spouse after we got married even though they had his information for a different transaction before the wedding.


"I had been pondering this recently myself too.  This question motivated me to do a little research.  It appears that what happens is that (take a deep breath) the capital gain does push you into the next tax bracket, but the capital gain is always interpreted as the ""last"" income you received, so that if your non-capital-gains income is less than the threshold, it will all be taxed in the lower bracket, and only your capital gain will be taxed in the higher bracket (but it will be taxed at the capital-gains rate of that higher bracket). In short, a capital gain can only push capital gains into higher capital-gains tax brackets; it cannot push ordinary income into higher ordinary-income tax brackets.  In addition, the amount of the capital gain is taxed in a marginal fashion, such that any portion of the gain that will ""fit"" into a lower bracket will be taxed at a lower level, with only the topmost portion of any gain being taxed at the top rate. This site is one claiming this: Will capital gain or dividend income push my other income into a higher tax bracket? No, the tax rates apply first to your “ordinary income” (income from sources other than long-term capital gains or qualifying dividends) so these items that are taxed at special rates won’t push your other income into a higher tax bracket. If my ordinary income puts me in the 15% tax bracket, can I receive an unlimited amount of long-term capital gain at the 0% rate? No, the 0% rate applies only to the amount of long-term capital gain and dividend income needed to “fill up” the 15% tax bracket. For example, if your ordinary income is $4,000 below the figure that would put you in the 25% bracket and you have a $10,000 long-term capital gain, you’ll pay 0% on $4,000 of your capital gain and 15% on the rest. There are several Bogleheads forum threads (here, here, here and here) that also touch on the same issue. The last of those links to the IRS capital gains worksheet.  I traced through the logic and I believe it confirms this.  Here's how it works: (In conclusion, we now know Mitt Romney's secret.)"


There are reward points that you have already mentioned. Some banks also give reward points for netbanking transfer, although very few and less than debit card. On a fraudulent site, debit card adds a layer, if compromised, easy to change. i.e just hot list the card, get a new card issued. Netbanking quite a few banks have incorrect implementation and difficult to change the login ID / User ID. The dispute resolution mechanism is well established as there is master or visa network involved. The ease of doing transaction is with netbanking as for card one has to remember 16 digits, expiry, cvv. The entire process of card usage is multiparty, on slow connection if something goes wrong, it takes 3 days to figure out. In netbanking it is instantaneous. You just login to bank and see if the debit has gone through.


Jez, i didn't know their export market was so bad.Down 85% in some areas.   I used to have a lot of Japanese electronics. Now I only have a Sony Blue Ray player that hooks to my  KoreanTV. It isn't near as good as the similar Apple TV and Sony has no way (unlike Apple) to get money from movie purchases, songs etc. It looks like they have even worse crony capitalism than the US. Older people ripping off the younger folks who don't have a future - all to keep a huge bubble from bursting.  Anyone know much about the story of Japanese organized crime threatening to kill the British exec who found accounting fraud? What a mess.


"Your confusion is that that answerer is not comparing a $5500 Roth IRA contribution to a $5500 Traditional IRA contribution. Rather, they were comparing a $3600 Roth IRA contribution to a $5000 Traditional IRA contribution. It is fairer to do such a comparison because (assuming that this person's marginal tax rate is 28%) both of them start with the same amount of pre-tax money ($5000 of pre-tax money is equivalent to $3600 of post-tax money in 28% tax bracket). As a result, both a $5000 Traditional IRA contribution and a $3600 Roth IRA contribution will leave you with the same amount of cash in your bank account at the end (after taxes are filed). That's why it's a fair comparison. And when you do such a comparison, it will mathematically indeed always turn out to the same result for Traditional and Roth if the contribution and withdrawal are at the same tax rate. On the other hand, if you were to compare a $5000 Roth IRA contribution to a $5000 Traditional IRA contribution, even though it's the same nominal dollar figure, you would be comparing apples and oranges because in one case it's a post-tax dollar amount and in the other case a pre-tax dollar amount. The Roth IRA contribution actually leaves you with less in your bank account at the end (after taxes are filed) than the same nominal dollar amount of Traditional IRA contribution. So you are comparing an (effectively) ""larger"" Roth IRA contribution to a ""smaller"" Traditional IRA contribution. Of course the ""larger"" contribution gets more tax advantages over time, and so the result looks better. Note that since Traditional IRA contribution and Roth IRA contributions share the same nominal dollar amount annual limit, but we know that $1 of Roth IRA contributions is effectively larger than $1 of Traditional IRA contributions, that means that Roth IRA contributions has an effectively ""higher"" annual limit than Traditional IRA contributions. For example, a $5500 Traditional IRA contribution is equivalent to a $3960 Roth IRA contribution for someone in the 28% bracket; whereas a $5500 Roth IRA contribution would be equivalent to a $7638.89 Traditional IRA contribution, which you can't do. So it's not possible to do a fair comparison when you go near the limit. If it is important to you to tax-advantage the ""largest"" amount of money, then that is a reason to go for Roth IRA, since it has an effectively higher annual limit. You cannot replicate the tax advantage of a $5500 Roth IRA contribution with a Traditional IRA contribution, because that money in pre-tax dollars is beyond the limit of a Traditional IRA contribution."


Routing number (RTN - Routing Transit Number) you're talking about is the Federal Reserve routing number. It is based on, but not equivalent to ABA numbers. The specific routing number may also be based on ABA numbers of institutions merged into BoA, which are now defunct. From wiki: The RTN number is derived from the bank's transit number originated by   the American Bankers Association, which designed it in 1910.


In many ESPP programs (i.e. every one I've had the opportunity to be a part of in my career), your purchase is at a discount from the lower of the stock prices at the start and end of the period. So a before-tax 5% return is the minimum you should expect; if the price of the stock appreciates between July 1 and December 31, you benefit from that gain as well. More concretely: Stock closes at $10/share on July 1, and $11/share on December 31. The plan buys for you at $9.50/share. If you sell immediately, you clear $1.50/share in profit, or a nearly 16% pre-tax gain. If the price declines instead of increases, though, you still see that 5% guaranteed profit. Combine that with the fact that you're contributing every paycheck, not all at once at the start, and your implied annual rate of return starts to look pretty good. So if it was me, I'd pay the minimum on the student loan and put the excess into the ESPP.


Really, the only way to develop meaningful relationships of any kind (personal/business/etc) is to interact with people directly in a shared context.  If you don't have any professional interaction with them through your/their business, then you're left to social/personal things -- play tennis together at a club, golf together, work out at a gym together, meet at charity events, attend social gatherings, etc.  Executives are people too.  Think about it -- how would you want someone to approach you?  Some random guy sending mail/email to a bunch of people with your same job title hoping to make a contact for entirely selfish reasons (i.e. getting a job, selling a product/service, whatever) is not going to look attractive to you -- you're just going to ignore it because there's no personal connection, no reason to care.  For all intents and purposes, you may as well be talking about an unsolicited ad from Comcast for TV service you don't need.  In general, I'd go back to the drawing board.  What exactly are you trying to accomplish here?  Are you trying to sell a startup/project you've been working on?  Are you trying to find a shortcut to a high-paid job?  Revisiting your objective will give you the recipe to more effectively approach it.  **TL;DR** -- Sending spam to executives is not an effective way of networking.  It is a good way to identify yourself as an undesirable contact, however.


"Do so.  It's a bit insulting that you need to pay the very entity that fucked you to **start** protecting you, but that's a reality of life.   And to add insult to injury, the very info stolen is the *same* info needed to reset your freeze PIN... *But*, at least they'll send you physical mail letting you know ""you"" changed your PIN.  Do it.  If not for the fact that these worthless bastards are allowed to charge us in the *first* place, a credit freeze should be the **default** situation.  It won't hurt your credit, and *might* prevent someone from opening an account in your name without you knowing about it.  / And if I didn't make it obvious, invest in ""torches and pitchforks""."


"If it's an active stock, the Yahoo message boards are inhabited by some clueful people. But the signal-to-noise ratio is relatively low, and there are a lot of ""interesting"" characters who inhabit the boards as well."


"I always wondered that back in the days of the Microsoft antitrust rulings.  This is just more of the same, ""Quit being so damned successful, Americans - I fine you a kajillion credits for, um, a rule we just made up!""   I sincerely look forward to the fireworks on the day that some company actually *does* say ""No thanks - You need us more than we need you; would you like us to leave, now?"".  Sadly, this probably won't be that day (even though it's overwhelmingly true... But hey, they could always use Bing!)."


"I do not think you are missing much.  One thing you have right is low cost cars depreciate almost nothing.  One thing you are missing is your satisfaction index.  Driving a 200K car for 4 years requires a bit of motivation when your friends are driving new cars.  Typically you need a larger goal to keep you focused.  That might be saving money, getting out of debt, or obtaining an education. Buying a car from a private party, Craigslist is only one source, can save both parties money as the ""middle man"" is cut out. If you have the ability to do so, one can save a lot of money by doing your own brakes.  The info is up on youtube, and I typically ""earn"" between 100-300/hour doing this work myself. Most of the time warranties do not pay off.  At the core, they are insurance and insurance companies are in the business to make money.  If your car is likely to need repairs a policy may be unattainable or very high in price."


"In addition to the choice that saving for retirement affords - itself a great comfort - the miracle of compounding is so great that even if you chose to work in old age, having set aside sums of money that grow will itself help your future.  The are so many versions of the ""saving money in your 20s"" that equals millions of dollars that the numbers aren't worth showing here. Still, any time value of money example will illustrate the truth.  That said, time value of money does start with the assumption that a dollar today is worth more than a dollar tomorrow. Inflation, after all, eats away at the value of a dollar. It's just that compounding so outshines inflation that any mature person who is willing to wait, should be convinced. Until you work the examples, however, it's not at all obvious.  It took my daughter years to figure out that saving her allowance let her get way better stuff. The same is true of everyone."


[Here are the three main temperature sets](http://i.imgur.com/8LGxyOR.png). Pretty hard to claim there's been no warming.   Fun fact: for any trend to be relevant for climate, you need at least a 30 year period. What you, and your denier sources are doing, is deliberately preying on ignorance of the basic science to present a misleading and wrong argument.   It's like taking 30 minutes of DOW activity and claiming that the market's obviously going to be up/down/stagnant for the rest of the year.  You're deliberately (or ignorantly) confusing short term variability with a long term trend.


"Right. I think, especially in a professional field, there are ways to exploit your skills to benefit your resume while under unemployment. The big argument with unemployment is that there is a negative connotation around it. ""Why couldn't get get a job in the n months you were unemployed?"" Look busy and just explain that you've been keeping your skillset relevant by participating in non-profits, doing stuff for other local businesses (if applicable) and so on. Creativity definitely helps."


I think I found a simpler way to analyze this question: The U.S. Bureau of Economics publishes data of what sectors of industry contribute what percentage to Kansas GDP, and as of 2015, agriculture was ranked 7th at only 5.5%. What's more, Brownback has previously exaggerated the extent to which agriculture contributes to the economy, saying before that it's over 40% of GDP.  Definitely seems like a good starting point.


You are also ignoring Russia demographic population. It has a sub replacement fertility level, this will cause population decline. Now I know other countries have this to but they have benefits Russia does not have. Which is skilled workers moving there while Russia has people leaving. Also the economic freedom of Russia is very low so it will create low or no growth.


To answer your question in its entirety there's more information we need (exchange, session, traded security, order type, etc.). Most exchanges support partial fills, that is your order will be partially executed and modified.  In your example, you'd get an execution of 10 shares at $100, and your order ticket will be modified to $100 for 990 shares. Like John Bensin explained, there are ways to prevent partial filling through order modifiers (e.g. Fill-or-Kill). My addition here is, there are also ways to prevent the other bit, i.e. do the partial fill but don't keep a modified order in the system.  You'd have to mark the order Immediate-or-Cancel (IoC).  In your case you'd be partially filled (10 @$100) and that's it.  For the remaining 990 shares you'd have to enter a new order.


used cars in nj  ---1800 Auto Land located on Rt. 22 in New Jersey, is one of NJ's premier Toyota car dealerships. You'll discover plenty of vehicles to choose from, so no matter the type of vehicle you're looking for we have something to fit your needs.


Indeed, perhaps even businesses that cater to different markets within the same industry could be affected differently. Restaurants in particular, where a smaller cafe or cheap sandwich shop might see more business as a result of more money in people's pockets, but a higher end sit down restaurant might only experience the wage increase without any additional incoming revenue.


....and take it out of the huge reserve set up for Ukraine?  What's next?  Heating Ukrainian homes this winter on EU's nickel while Kiev takes a work time out and pays for a civil war?  Everybody's hurt by all this.  First things first: Order the oligarch armies and Kiev armies to stop the violence in E Ukraine.  Bring in a UN peacekeeping force.


"It depends on whether the loan is written as a non-recourse debt and what collateral was pledged. ""Non-recourse"" debt means that the issuer is limited to seizing the pledged collateral but cannot extend beyond those pledged assets. A ""recourse debt"" allows the issuer to seize the collateral and potentially other assets of those signed to the loan. In your example, a non-recourse loan would stop the issuer at seizing the property pledged as collateral (for instance the land remaining after the golden condor took your house), and it would stop there if that was the entirety of the collateral pledged. In the case of a recourse debt, each of you who signed loan are most likely going to be held responsible for the rest of the debt. http://en.wikipedia.org/wiki/Nonrecourse_debt http://en.wikipedia.org/wiki/Recourse_debt"


"There is no official price. There is only the price a seller is willing to offer and a buyer is willing to accept at that moment. It tends to be close to the price negotiated for the last such sale, but that's just market statistics, not anything actively managed or guaranteed. ""Past performance is no guarantee of future results;"" this buyer and seller may not agree with the previous pair. Especially when the market has been closed overnight but real-world events have continued to occur."


Actually his cheques are from himself, funds are paid to Mayweather Literacy Fund (promotions) then he pays himself.  This was the case with Pac fight, the check was from Mayweather Promotions.  This also means he could just write a cheque for 7 trillion dollars and post it on facebook.


For two reasons: 1- People are entitled to deductions and credits that your employer cannot possibly know. Only you as an individual know about your personal situation and can therefore claim these deductions and credits by filing income tax returns. 2- Me telling you that you made $100,000 last year is not the same as telling you that you made $125,000 last year, but someone took $25,000 out of your pocket. Tax season is the one time of the year when citizens know exactly what chunk of their hard earned money was taken by the government, creating more collective awareness about taxation and giving politicians a harder time when they propose raising taxes.


I'd love to see the sources for this article's numbers. It sounds like a compelling case even though I don't much care for the writers tone.  It's clear the aim isn't to convince anyone who is on the fence but rather reinforce the belief of those already firmly against Wal Mart's policies.  I'm interested in the argument but not in the writing.


They really screwed themselves as soon as they went public. Their shipping is constantly late because of their warehouse issues. The food spoils or lacks variation.   I stopped for a month or so because of it.  As soon as I started, order was delayed on the day I was supposed to get it.. food seems a bit fresher but not something good to come back to


"In some sense I love the fact that someone can suck some cash out of these monopolies so they can ""farm"" the proper impression.   Keeping these guys dancing to make sure we only see them in the ""proper light"" should cost them .... into bankruptcy if I had my way."


>The figure also shows that Democrats inherit growth rates averaging 0.6% from the final year of the previous Republican president, while Republicans inherit growth rates averaging 3.8% from outgoing Democrats.  Citations: [Presidents and the U.S. Economy: An Econometric Exploration by Alan S. Blinder and Mark W. Watson ](http://www.princeton.edu/~mwatson/papers/Presidents_Blinder_Watson_July2014.pdf)  [The Economy Grows Faster Under Democratic Presidents](http://www.nytimes.com/2014/08/06/upshot/luck-and-a-little-mystery-the-economy-grows-faster-under-democratic-presidents.html)


In the last 15 years, some poor arab gets his house blown up with billions of dollars worth of arms, some poor US taxpayer foots the bill and the cooperation make the money.  The arab house no house, the US tax payer has no saving and lives poor.  Some CEO buys a private island with his bones.  Meanwhile the rest of us is looking for happiness


Yes, but it must be remembered that these conditions only last for instants, and that's why only HFTs can take advantage of this. During 2/28/14's selloff from the invasion of Ukraine, many times, there were moments where there was overwhelming liquidity on the bid relative to the ask, but the price continued to drop.


> Should he take the time out of his day to condemn every group that might like him individually?  No.  Just the violent white supremacists when one of their group just murdered a women and seriously injured 19.    > He condemned the violence on both sides and political violence in general. What more do you fucking want?   Condemn the murderous terrorists more than the counter-protesters?  > Do you want him to flog himself publicly and apologize for being white?   Now i know you are being disingenuous.  No one has suggested that.  > Should business owners and public figures issue public statements condemning any white supremacists that might be patrons or admirers of their work? It's preposterous to assume so, so why assume the same with the president?   Did these patrons just murder someone?  Then yes.  Yes, you condemn them and distance your self from them.  Especially if you complained about the previous president not condemning muslim terrorists.  Here is actual terrorists and he isn't condemning them.


It would be good to know which country you are in? You are basically on the right track with your last point. Usually when you buy your first property you need to come up with a deposit and then borrow the remainder to have enough to purchase the property. In most cases (and most places) the standard percentage of loan to deposit is 80% to 20%. This is expressed as the Loan to Value Ratio (LVR) which in this case would be 80%. (This being the amount of the loan to the value of the property). Some banks and lenders will lend you more than the 80% but this can usually come with extra costs (in Australia the banks charge an extra percentage when you borrow called Loan Mortgage Insurance (LMI) if you borrow over 80% and the LMI gets more expensive the higher LVR you borrow). Also this practice of lending more than 80% LVR has been tightened up since the GFC. So if you are borrowing 80% of the value of the property you will need to come up with the remainder 20% deposit plus the additional closing costs (taxes - in Australia we have to pay Stamp Duty, solicitor or conveyancing fees, loan application fees, building and pest inspection costs, etc.). If you then want to buy a second property you will need to come up with the same deposit and other closing costs again. Most people cannot afford to do this any time soon, especially since the a good majority of the money they used to save before is now going to pay the mortgage and upkeep of your first property (especially if you used to say live with your parents and now live in the property and not rent it out). So what a lot of people do who want to buy more properties is wait until the LVR of the property has dropped to say below 60%. This is achieved by the value of the property going up in value and the mortgage principle being reduced by your mortgage payments. Once you have enough, as you say, collateral or equity in the first property, then you can refinance your mortgage and use this equity in your existing property and the value of the new property you want to buy to basically borrow 100% of the value of the new property plus closing costs. As long as the LVR of the total borrowings versus the value of both properties remains at or below 80% this should be achievable. You can do this in two ways. Firstly you could refinance your first mortgage and borrow up to 80% LVR again and use this additional funds as your deposit and closing costs for the second property, for which you would then get a second mortgage. The second way is to refinance one mortgage over the two properties. The first method is preferred as your mortgages and properties are separated so if something does go wrong you don't have to sell everything up all at once. This process can be quite slow at the start, as you might have to wait a few years to build up equity in one property (especially if you live in it). But as you accumulate more and more properties it becomes easier and quicker to do as your equity will increase quicker with tenants paying a good portion of your costs if not all (if you are positively geared). Of course you do want to be careful if property prices fall (as this may drastically reduce your equity and increase your total LVR or the LVR on individual properties) and have a safety net. For example, I try to keep my LVR to 60% or below, currently they are below 50%.


"This refers to the faulty idea that the stock market will behave differently than it has in the past.  For example, in the late 1990s, internet stocks rose to ridiculous heights in price, to be followed soon after with the Dot-Com Bubble crash. In the future, it's likely that there will be another such bubble with another hot stock - we just don't know what kind.  Saying that ""this time it will be different"" could mean that you expect this bubble not to burst when, historically, that is never the case."


"HSBC, also known as ""The Hong Kong and Shanghai Banking Corporation"" has banks in India. I would imagine that might be a place to start.   Paypal, which is commonly used to pay for items on eBay -- is also available in both India and China.   You should, of course, respect any laws regulating this kind of money transfer."


"This is the best tl;dr I could make, [original](https://priceonomics.com/which-companies-have-the-highest-revenue-per/) reduced by 90%. (I'm a bot) ***** > Technology companies performed at the lower end of the range on Revenue per Employee; part of the reason for this however, is other companies in spaces like Energy and Healthcare have large non-employee costs that Technology companies do not have.  > Average revenue per employee in the Energy sector is double that of Healthcare companies and almost four times as high as that of Information Technology companies.  > Apple has the highest revenue per employee in this selection of technology companies.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6ejb01/it_companies_like_accenture_have_among_the_lowest/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~133501 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **company**^#1 **revenue**^#2 **per**^#3 **employee**^#4 **Healthcare**^#5"


Are you being paid through a limited company or an umbrella company ? Are you self employed If not what they are doing is illegal. If you are being paid a salary, then the employer has to contribute their part of National Insurance. I believe they are treating you as self employed, hence asking you to generate invoices. Check your contract wordings properly. Or get help from Citizens Advice. Call them or visit their local office. Or else do call up HMRC.  But if you are invoicing them, I would assume you are self employed and you have to do your self assessment. Get in contact with HMRC and ask them to generate your Unique Taxpayer Reference (UTR). THey will send you the UTR and using this you can fill your tax returns.  It looks like cumbersome now, but it isn't so. You can do it yourself, I do mine. Or at the end of the financial year, get an accountant to do the returns for you, probably should charge you £100-£150. Keep all your invoices, bills, bank statements safely. This is some help from HMRC website


"There's no easy solution to this. Unfortunately I think you need a different approach, as you say, using software to track expenses to visualise the percentages and such hasn't helped and in my own experience this sort of money management does not work with all people. Maybe you need to look at the expenses and decide what you can cut out. Somehow we all need to make a distinction between what we need (milk, bread) and what we don't need (magazines, dvds) but still purchase every now and then. Sadly buying things for the second category quickly builds up a bill just as big as the one for the weekly shop only that it contains nothing of actual value and it just seems too easy for some to spend and equal amount of money on ""wants"" as on ""needs"" and if a substantial amount of your outgoings are in this category that's where you need to focus the discussion. If you can't find any purchases like that I suspect you need to buy less expensive food."


"I don't think the reason is ""to verify that it is truly me"". It should be possible for someone else (friend, relative...) to make a payment on your behalf, using their own card. It is common that ""gift cards"" are not per-authorized for ""Card Not Present"" (CNP) use like on the internet, or over the phone. In many cases, you can register your card, online or by speaking to a representative over the phone. After that, you should be able to use it to pay your phone company. Also, depending on where you got the card, you may be able to go to a teller at the issuing bank, and withdraw cash (or get a check), possibly without a fee."


"I just wanted to point out that the most ""leverage"" for pre-paying occurs at the very beginning of the mortgage, and declines rapidly after that. So, your very best scenario is to get the 30-year, and make one extra payment entirely to principal the first month of every year. This causes the amortization to drop by 96 payments, to about 22 years. I don't know of any other way that you can get nearly 4 times value for your money (22 payments extra to save 96 payments later). After that, reducing from 22 to 15 years takes more of your money for the same result, but do it if you want. I actually did this, and it put me way ahead when I sold the house about 12 years later."


You can earn significantly more than 0.99% in the stock market.  I'd pay the $450/month and invest the rest in a (relatively conservative) stock market fund, making monthly withdrawals for the car note.


The point of a chargeback is to force merchants to do the paperwork. Many merchants don't, and are easy targets for chargebacks, even when they have, in fact, provided the good or service. You used a tax prep service. They may have given you poor (technical) advice, but such firms are usually very good about doing the paperwork. That's why you lost.


Embedded systems.   We run xp on a lot of equipment since it's been a steady, bug free environment for our software. Introducing a new OS will only cause unforeseen problems and we would nothing to gain from such update.


"Just coughed out my morning coffee on this one. I bet even Bezos leaves disabled the ""buy without confirmation"" option in his Alexa config. That shit could be potentially dangerous.  ...then again, dude is a billionaire. Maybe he doesn't care if Alexa accidently orders him a $20,000 sofa when he was just looking to buy more cereal."


"Wouldn't this be part of your investing strategy to know what price is considered a ""good"" price for the stock?  If you are going to invest in company ABC, shouldn't you have some idea of whether the stock price of $30, $60, or $100 is the bargain price you want?  I'd consider this part of the due diligence if you are picking individual stocks.  Mutual funds can be a bit different in automatically doing fractional shares and not quite as easy to analyze as a company's financials in a sense. I'm more concerned with the fact that you don't seem to have a good idea of what the price is that you are willing to buy the stock so that you take advantage of the volatility of the market. ETFs would be similar to mutual funds in some ways though I'd probably consider the question that may be worth considering here is how much do you want to optimize the price you pay versus adding $x to your position each time.  I'd probably consider estimating a ballpark and then setting the limit price somewhere within that.  I wouldn't necessarily set it to the maximum price you'd be willing to pay unless you are trying to ride a ""hot"" ETF using some kind of momentum strategy.  The downside of a momentum strategy is that it can take a while to work out the kinks and I don't use one though I do remember a columnist from MSN Money that did that kind of trading regularly."


Problem is, are most consumers asking for any of this R&D? Seems more or less they're just spraying and praying with R&D features. Clearly, since they're continuing to downsize, they're not selling. Not to mention they always have their proprietary formats, be it software and/or hardware. That doesn't help their case. I don't want to be tied down to a platform for w/e reason. It always costs more because of scales of economy, and when they move on from that format and/or no longer support it, then what?


So we agree about everything! Am I right?  Susan is no good, got her job in a corrupt way, her degrees show she was not born interested in security (except for fat pay checks), people with IT degrees are more a match, suitable and qualified for security jobs, especially when they have specific on-hand experience, HR does not care about employees, and real experts have to fight HR and terrible management... and usually lose because of this whole corrupt setup.  Anything you don't agree with me about?


Because it makes money for all parties, and because the general public is reluctant to any change. Who should have an interest to change that? People. And they have no say in it. You can actually do a lot without paper checks nowadays (I only use one per year for car taxes, as they do not accept anything else), but many people shake their heads about even online banking and would never trust it.


"As usual, you missed the point...  ""Sam Batkins, the director of regulatory policy for AAF, said in his report that ""the ‘Regulatory Freeze' that took effect on day one of the administration has persisted for roughly the first four months of President Trump's term. By virtually any measure, dating back through two Democratic presidents and one Republican president, the lack of regulatory output is historic.""  What's more, the cost of the new regulations has dropped from an average of $26 billion to $33 million, or just 0.12 of the past average for the first five months of the year.  ""Across the board, the results indicate a significant diminution in the number of regulations approved and a notable uptick in the number of withdrawn measures (previous rules from the Obama Administration no longer under consideration). For instance, during the period covered, the average administration reviewed 190 rules; the Trump administration reviewed 39. In the average year, there were 33 economically significant reviews; the Trump administration reviewed just 16. On average, there were 30.8 significant rules approved, not just reviewed; this administration has released 10,"" said his AAF study.  **Batkins concluded, ""Regardless of the metric employed, there is little doubt regulatory output is at historic lows. The regulatory freeze has not been temporary, but relatively permanent.""**  https://www.americanactionforum.org/insight/historic-nature-regulatory-slowdown/"


The quality of the MBA is really what decides if it's worth it. You have to make sure the school where you are going to is highly regarded or even prestigious. There is a big difference between what you find prestigious and others find prestigious. The student believing it is an awesome school is not enough, the companies and recruiters must believe it too.  Make sure you do your homework on the ranking of the MBA program. Additionally, your undergraduate plays a role how well your MBA is perceived. A decent undergraduate degree complemented with an MBA from a highly ranked school will put you in a trajectory for a high salary and a management position.


But unless he's getting shares at a premium there's no difference between him getting shares or getting cash and buying Disney stock with half of it. And if he's looking to make money in the stock market he certainly has better options than putting everything on DIS.


Don't suppose you could provide any technical ref's for the Neuro?  It would be nice to see where things have gone.   I gave up following the subject years ago when people (my lecturers) continued to insist Neuron's = Transistors whilst not understanding either.


Why would they do that? The data has value.  Bankruptcy isn't just shutting the doors, it's selling off the data.  I predict this will start a new firestorm around what happens to *your* data that you don't own.  People are about to realize that they're going to be fucked both ways.


Thanks so much for the advice Kyrias. You're absolutely right that I need to keep nipping at the heels. But at this point, it feels he's less of a friend and more of a benefactor. I merely wanted some good, intelligent insight (from people such as yourself) on the situation who don't have a bias toward the situation. I feel the more advice I can get on this topic (I've tried to explain the situation as neutral as possible) the more aware I can be moving forward. Not looking for a solution, but rather possibilities of the cause of problem and/or hypothetical fixes. I do appreciate you taking the time Kyrias.


A specific strategy to make money on a potentially moderately decreasing stock price on a dividend paying stock is to write covered calls.  There is a category on Money.SE about covered call writing, but in summary, a covered call is a contract to sell the shares at a set price within a defined time range; you gain a premium (called the time value) which, when I've done it, can be up to an additional 1%-3% return on the position.  With this strategy you're collecting dividends and come out with the best return if the stock price stays in the middle: if the price does not shoot up high enough that your option is called, you still own the stock and made extra return; if the price drops moderately, you may still be positive.


Is your question academic curiosity or are you thinking of buying bonds?  Be aware that bond interest rates are near all-time lows, and if interest rates were to rise, the prices of bonds could fall.  Those buying bonds today are taking unusually large risk of capital loss.


"The difference between the provincial/territorial low and high corporate income tax rates is clear if you read through the page you linked: Lower rate The lower rate applies to the income eligible for the federal small   business deduction. One component of the small business deduction is   the business limit. Some provinces or territories choose to use the   federal business limit. Others establish their own business limit. Higher rate The higher rate applies to all other income.    [emphasis mine] Essentially, you pay the lower rate only if your income qualifies for the federal small business deduction (SBD).  If you then followed the small business deduction link in the same page, you'd find the SBD page describing ""active business income"" from a business carried on in Canada as qualifying for the small business deduction.  If your corporation is an investment vehicle realizing passive investment income, generally that isn't considered ""active business income."" Determining if your business qualifies for the SBD isn't trivial — it depends on the nature of your business and the kind and amount of income it generates.  Talk to a qualified corporate tax accountant. If you're looking at doing IT contracting, also pay close attention to the definition of ""personal services business"", which wouldn't qualify for the SBD.  Your accountant should be able to advise you how best to conduct your business in order to qualify for the SBD.  Don't have a good accountant?  Get one.  I wouldn't operate as an incorporated IT contractor without one. I'll also note that the federal rate you would pay would also differ based on whether or not you qualified for the SBD.  (15% if you didn't qualify, vs. 11% if you qualify.)   The combined corporate income tax rate for a Canadian-controlled private corporation in Ontario that does qualify for the small business deduction would be 11% + 4.5% = 15.5% (in 2013). Additional reading:"


It is a good idea to come here with girlfriend and spend the time with her. We are pleased to assist with things to do west palm seashore that equips our assembly rooms. It is surrounding areas offer so much variety of locations to enjoy a romantic dinner. It is the best place and secure for the couple who wants to get benefits of different service of entertainment at affordable. We have things to do west palm beach with enjoyment. It is a relaxing place. We have staff is super friendly and also corporate. I think, you would definitely come here. The escape room west palm beach is an interactive puzzle game where participants together people.


This.  You nailed it.  TJs is pretty much the grocery store equivalent of the Lincoln Mint for hipsters.  If every product is limited-time only special, then by buying it you can promulgate your self-image as the sneering exclusivist sophisticated consumer.  TJ has done a lot of very detailed marketing research and strategy has gone into parting hipsters from their money and it's working.  Good for them.


I feel like when your assets are mostly stock, then your every minute is basically fluctuating by the hundreds of millions and on a ~~good~~  active trading day you could be up or down a few billions.


True.  Unless the government steps-in and make some regulations.  For example, all customer service (talking to other people, also over the phone) must be done by humans. Also, humans must approve every decision and diagnostic done by AI machines. Every group of robots must be supervised by on-site human. Etc.  However, I am against taxing Robots and AI machines.  The bottom line, with Robots and AI doing most jobs that humans don't want to do or are not good at doing, humans can be happy if they have basic income, which can be very low because Robots and AI reduce the costs of goods and services tremendously.


Consider a single person with a net worth of N where N is between one and ten million dollars.  has no source of income other than his investments How much dividends and interest do your investments return every year?  At 5%, a US$10M investment returns $500K/annum.  Assuming you have no tax shelters, you'd pay about $50% (fed and state) income tax. https://budgeting.thenest.com/much-income-should-spent-mortgage-10138.html A prudent income multiplier for home ownership is 3x gross income.  Thus, you should be able to comfortably afford a $1.5M house. Of course, huge CC debt load, ginormous property taxes and the (full) 5 car garage needed to maintain your status with the Joneses will rapidly eat into that $500K.


While I don't disagree that Wells is trash, it may not be intentional reordering on their part. Some merchants don't settle their machines in a timely manner which can delay an item from posting. So while they were run first, and the funds were probably held in the correct order awaiting posting, the last item CAN clear first due to this. I would reach out to the bank for fee reversals, using the receipts as proof of transaction order.


Inflation is basically this:  Over time, prices go up! I will now address the 3 points you have listed. Suppose over a period of 10 years, prices have doubled.  Now suppose 10 years ago I earned $100 and bought a nice pair of shoes.  Now today because prices have doubled I would have to earn $200 in order to afford the same pair of shoes.  Thus if I want to compare my earnings this year to 10 years ago, I will need to adjust for the price of goods going up.  That is, I could say that my $100 earnings 10 years ago is the same as having earned $200 today, or alternatively I could say that my earnings of $200 today is equivalent to having earned $100 10 years ago. This is a difficult question because a car is a depreciating asset, which means the real value of the car will go down in value over time. Let us suppose that inflation doesn't exist and the car you bought for $100 today will depreciate to $90 after 1 year (a 10% depreciation). But because inflation does exist, and all prices will be 0.5% higher in 1 years time, we can calculate the true selling price of the car 1 in year as follows: 0.5% of $90 = 0.005*90 = $0.45 Therefore the car will be $90 + $0.45 = $90.45 in 1 years time. If inflation is low, then the repayments do not get much easier to pay back over time because wages have not risen by as much.  Similarly the value of your underlying asset will not increase in value by as much. However as compensation, the interest rates on loans are usually lower when inflation is lower. Therefore generally it is better to get a loan in times of high inflation rather than low inflation, however it really depends on how the much the interest rates are relative to the inflation rate.


1.  I knew that (the guy in this article didn't, btw, as the very first thing he said is that he shorted it on opening at $42). 2.  Even if you followed my advice and shorted it on day 2, ***you still would have made a killing***.


I think that some asset classes should be better protected from arbitrage.  Its not possible to prevent either greed or information asymmetry so high market volatility will continue to get worse.  However, secondary transactions directly or indirectly involving assets of a protected class:  * Food - agriculture futures, farm land mortgages, seed licenses, etc...  * Housing - Resales, mortgages, any mortgage derivatives  * Medicine - Insurance policies, drug licenses, medical debt  * Education - Debt and derivatives  Should be heavily taxes to discourage destructive arbitrage.  This will not hurt investment (in the capitalist sense) because such transactions are purely speculative.


“Off the rails” my ass. It’s pretty obvious kids have a choice: take on absurd levels of debt and “learn” or make money. If you’re not going to be a doctor or biologist, you can get a sales job with an undergrad and avoid subjecting yourself to further debt/delusion.  It’s no big loss Trump missed out on all those highly indoctrinated (or “educated”) sociologist/economist votes. They’re compliant tribalists. Who won the engineers? Who won the computer scientists?


"Like why don't people like you, just say ""Fuck poor people. It's my money and I don't want it spent on people I deem underserving. I got mine and if I got lucky or a Handout, tough titty. What's mine is mine"" instead of replying to points I never stated and using trash sarcasm"


I made upwards of 3M from 200K by trading stocks, which I made from a business that I invested 20K in.  HOWEVER, DO NOT use trading stocks as a source of income, you're gambling with your precious cash. There are safer alternatives.


You said the tax assessor gave you an appraised value, but I think you mean assessed value. This article YOUR HOME; Market vs. Appraisal: What's the Real Value? explains the differences pretty well.


Congratulations on your engagement, and on your desire to begin your marriage debt free. Your fiancée can give you up to $14,000 per year as a gift without having to pay any gift tax.  Above that, there are lifetime gift/estate tax exclusions that apply.  You, as the recipient of the gift, do not pay any tax on it.  (It is not considered income for you.) Having said that, I would not advise the two of you to have her pay money on your debt before you are married.  The reason is this: You aren't married until you are married.  If something happens between now and then and the wedding is postponed/called off, you do not want to feel like you are in debt to her, and you do not want her to feel that she lost money because of you. Obviously, you do not want or expect that to happen.  So, instead, I recommend that your fiancée saves up her income.  I'm assuming that the two of you don't want to go into debt paying for the wedding/honeymoon, so make sure that you have enough cash to pay for that.  After that is covered, she can save money toward your student loans, but keep the money in a savings account.  Once you are married, the money and the debt both belong to both of you.  The day after the two of you get back from the honeymoon, she can write the check to pay off the debt, and you've got a great start to your future.


Wrong sub. You're looking for /r/personalfinance   >will freezing just that credit report hurt them in any way?  No, but it will help prevent an identity thief from wrecking your credit.   >Can I still get a loan with only one of the three frozen?  Depends, but yes. You should freeze your credit at all 5 credit bureaus for personal financial protections.


I've seen this tool.  I'm just having a hard time finding where I can just get a list of all the companies.    For example, you can get up to 100 results at a time, if I just search latest filings for 10-K.  This isn't really an efficient way to go about what I want.


The problem is that's all Chipotle has going for it... a big ass burrito with a handful of toppings. Once you eat there twice you've pretty much had all Chipotle has to offer unless you'd like to try a burrito in a bowl. Not exactly a well thought out menu. I don't see Chipotle standing the test of time unless they expand their menu and market. It's just boring after a couple times. You get way too much food also so any claim to being healthy is BS.


"How about doing a Lease Option with a very long term and a very early ""option"" for the guy buying.  Essentially he will be making your mortgage payments for the next couple few years.  Much less paperwork for the both of you that way. See a lawyer for the paperwork, from my limited experience with a real estate lawyer is a standard document and shouldn't cost that much."


I understand what you mean, but for the general population the technicalities of secondary market is fundamentally a grey area. However, in my opinion, leading financial institutions such as GS, I expect them to make prudent decisions that is both ethical & sustainable for the society as whole, even though it might not be feasible all the time.


There are a few ways you can go about paying this off quickly (and safely): You could start paying $386 monthly (ie, double what you're paying now). You'll pay less interest in the long run because they can only charge you for the amount outstanding. Remember, 6.8% of $12k is more than 6.8% of $6k. However, your plan sounds more sensible. Say you get to $6k paid off and $6k saved, you're able to pay off what's left and that's almost $200 a month you'll have extra. Although what I like about this is - if you become ill, lose your job, or whatever, then you're still able make the $193 payments, PLUS you'll have money saved for day-to-day expenses (food, water, gas, electricity, etc.) long enough to see yourself through. PS. They may charge you a settlement fee because if you pay early then they miss out on money... but check your contract with them first. Hope this helps!


I believe tax code reform is a definite need.  But the push for Free Market is definitely not what needs done.  Before you remove shackles, you have to make sure you have handled the very reason the shackles were put on in the first place.


"For a car, you're typically compelled to carry insurance, and picking up ""comprehensive"" coverage (fire, theft, act of god) is normally cheap. If the car was purchased with a loan, the lender will stipulate that you carry comprehensive and collision insurance.  People buy insurance because it limits their liability. In the grand scheme of things, pricing in a fixed rate of loss every year (insurance premium + potential deductible) is appealing to many versus having to cover a catastrophic loss when your car is wrecked or stolen."


UBI is a farce. Create a system where people continuously vote on how much money the government should give them - yeah if you're rich you're just gonna sit around and have your taxes increased every year? Unless we have some sort of global government, UBI will just shift resources and capital to countries that don't have UBI - not to mention the massive immigration issues UBI will cause. Free money? Let's move to that country


Yes, selling premium is selling an option that contains premium over it's intrinsic value. Out-of-the-money options contain no intrinsic value, at the money and near the money options contain premium over the intrinsic value. The deeper in-the-money go, the less premium there is.


If your employer offers a 401(k) match, definitely take advantage of it. It's free money, so take advantage of it!


This is news?  Keynesians were making noise about this years ago and nobody listened.  There were headline articles and blog posts in the NYT in 2010 and nobody listened.  Krugman clamored on about it for all of 2011 and nobody listened.  OWS screamed for a year and nobody listened.  And now Bloomberg rehashes what has been said all along and people finally pick up on it?  Give me a fucking break.  We're years late to this party and a lot of damage has been done as a result.  I'm glad the facts are finally getting some of the traction they require but wow, what a fucking joke.


Is the growth sustainable at the company you're currently at?  Did you have a hand in driving a success metric at your company (either by bringing in more clients, or bigger clients than the other guy)? If so, point it out and ask for a raise before you leave.  If you leave would you be able to mimic the success you've had direct contribution to at your current position to success at the other one? If so, leverage that and the raise you asked for into higher pay at the next stop.


"When the buyout happens, the $30 strike is worth $10, as it's in the money, you get $10 ($1000 per contract). Yes, the $40 strike is pretty worthless, it actually dropped in value today. Some deals are worded as an offer or intention, so a new offer can come in. This appears to be a done deal. From Chapter 8 of CHARACTERISTICS AND RISKS OF STANDARDIZED OPTIONS - FEB 1994 with supplemental updates 1997 through 2012; ""In certain unusual circumstances, it might not be possible for uncovered call writers of physical delivery stock and stock index options to obtain the underlying equity securities in order to meet their settlement obligations following exercise. This could happen, for example, in the event of a successful tender offer for all or substantially all of the outstanding shares of an underlying security or if trading in an underlying security were enjoined or suspended. In situations of that type, OCC may impose special exercise settlement procedures. These special procedures, applicable only to calls and only when an assigned writer is unable to obtain the underlying security, may involve the suspension of the settlement obligations of the holder and writer and/or the fixing of cash settlement prices in lieu of delivery of the underlying security. In such circumstances, OCC might also prohibit the exercise of puts by holders who would be unable to deliver the underlying security on the exercise settlement date. When special exercise settlement procedures are imposed, OCC will announce to its Clearing Members how settlements are to be handled. Investors may obtain that information from their brokerage firms."" I believe this confirms my observation. Happy to discuss if a reader feels otherwise."


"Not at all. The Millionaire Next Door offers a book full of anecdotes on couples that earned money and saved their way to being millionaires. I believe about 1/3 or so had businesses, but the rest were employed and simply saved wisely.  $3860/yr saved for 40 years at 8% will return $1M. Adjust the numbers to hit a million sooner or reach a higher goal.  The Author might be accused of survey bias. This is the phenomenon of studying the final results without looking at the pool of people years prior. Little Adv' is correct that while 1/3 of millionaires may have gotten that way by starting a business, that says nothing about how many businesses need to start to find the one millionaire that resulted.  I view the book more as a lesson of ""spend beneath your means"" and focus on his anecdotes of the dual income couples who saved their way to this status. If you are in no rush, get this book from your library and spend the few hours to read it. In response to my Friend Dilip's comment, MoneyChimp offers a good look at compound growth (for the S&P) over time. The 40 years ending 2012, which obviously include the 'lost decade,' returned a CAGR of 9.78%. Not to be confused with the average 11.43%. When I pull the numbers for each year's return and apply an annual $3860 deposit, the 40 years ends with $2.2M. A 1% fee, or 1% lower return resulted in $1.6M.  If 8% isn't conservative, of course you can run the numbers you wish. The 40 years contained both a lost decade and two great ones. Will the 3 decades post-lost average to get the Quad-Decade period to 8%+? I don't know."


"Had they made a billion dollars it still wouldn't be arbitrage. The definition of arbitrage is ""the simultaneous purchase and sale of similar commodities in different markets to take advantage of price discrepancy"". What they did was take advantage of a loophole where they took free money to buy more free money. I believe the American government calls that Quantitative Easing. Bazinga."


Neither party gives an F about the consumer.   The real issue is class action lawsuits, in which the consumer gets shafted and the lawyers make a killing.   Real class action reform would not come in the form of favoring arbitration over lawsuits (or vice versa) but in requiring that attorneys’ fees in class action suits be paid in the same form as the payment to consumers and requiring that people opt-in to join a class, rather than having to actively opt-out. Ending payment of attorneys’ fees in cash but consumers getting coupons (which are only good one buys more of the alleged wrong-doing firms’ products/services) would ensure consumers get a fair shake.  This would hurt the lawyer lobby, and thus most Democrats (and many Republicans) would never support it. Requiring people to opt-in to class-action suits (rather than go through a long process of opting-out) would reduce the number of frivolous class action suits.  Again, this would hurt the lawyer lobby, and thus most of our politicians wouldn’t support it. In short, it comes down to most Democrats favoring the lawyer lobby over the business lobby, and most Republicans favoring the opposite. Neither cares about the consumer/citizen.


Contrary to the popular belief, handling such remote workers in an efficient manner requires candidates to possess special skills and qualities, which are often quite different from the skills of onsite managers. That is why business organizations often seek the services of professional executive search consultants for finding the right candidates having the following qualities.


"A ""fiat"" currency is non-convertible paper currency that a government establishes as legal tender. Most countries today are using fiat currencies. The rest have currencies pegged (or convertible to) US Dollars (which is a fiat currency). In the past, money was usually based on precious metals such as gold or silver. Until the end of the gold standard, you could theoretically go the the US Treasury with a US Note or Federal Reserve Note and convert the note into a fixed quantity of gold or silver (depending on the note). The US had a bi-metallic currency policy for political reasons, which means that money was backed by both gold and silver."


One opinion related to savings is to save 30% of your take home salary every month, split the amount into two parts depending on your age (29) one part would be 30% of 30% and another 70% of 30%. Take the 70% and buy blue chip stock and take the 30% and buy govt. bonds. Each 10 years adjust the percentages at 40, 40% on bonds and 60% on stock. Only cash out on the day you retire, otherwise ignore all market/economic movements. With this and the statutory savings (employment retirement) you should be ok.


It is not legal to receive large amounts of money that you cannot explain. If you receive more than 10,000€ (or even with smaller amounts regularly) there may be an investigation for money laundering or other tax evasion schemes.  If you have a reasonable explanation backed with records of where the money came from, there shouldn't be any problem to explain the money and pay taxes appropriately, but in the case of an anonymous gift, there is no reason for authorities to believe that it was a gift. Your best option if you do receive such an anonymous gift is to report it and allow authorities to investigate its source.


If they own enough shares to vote to sell, you will be paid the offer price quoted to you. At that point if you do not wish to sell your only recourse will be to file a lawsuit. This is a common tactic for significant shareholders who have a minority stake and cannot block the sale because they have insufficient voting rights. What usually happens then is that they either settle the lawsuit out of court by paying a little more to the holdouts or the lawsuit is thrown out and they take the original offer from the buyer. Rarely does a lawsuit from a buyout go to trial.


What the fuck are you talking about. How does religion personally insult you on a daily basis? Do they insult you by serving you free food because you're homeless? Do they insult you by running orginizations that pay for peoples gas or electric bills in the winter seasons so they don't freeze to death?   Seriously people, what the fuck are you doing in your daily life? You're doing fucking nothing with it and you're just on reddit all day making shit up to bitch about, right? I work at a Catholic run non-for profit hospital which treats many children for free even from money we make at fundraising events. Is that so fucking terrible? That children are living because of money this hospital makes through the help of the archdiocese in my city?  Know what's funny? I can manage to be agnostic and not be a judgmental prick just because someone is christian, as long as they don't take it in their own right to attack my own beliefs or try and push their beliefs on me (which has never happened to me in my entire 21 fucking years).


I suspect this is related to the fact that Blue Apron completed its IPO very recently and insider shares are likely still under a lockup period.  So in the case of APRN stock only the 30mm shares involved in the IPO are trading until the insider lockup expires which is usually about 90 days.


Yeah, this was a big deal with hotels jamming cell signals to force people to buy their wi-fi. Many fines have been handed out, with bipartisan agreement. I doubt Amazon would be so audacious, and they'd eventually get reemed. Beyond that, politicians still seem to dispise Amazon for allegedly dodging taxes.


I agree. I'd like to acquire as many assets as possible before making it official. Since we are currently in Ohio, which I think means that assets and debts are not combined. Once I get this one going, I want to start another one here, if I have the time to do it.


I'm pretty sure this isn't a /r/personalfinance question. Sounds like you have that on lock. You are asking some existential questions. Maybe find a way to travel or vacation for a month. Don't sacrifice what you have worked for in a temporary feeling of doing the wrong thing.


"Sure it is.  I plug it in when I park it, I go do whatever other things I was going to do anyway, and when I use the car it's got the charge I need to get where I need to be.  How is that functionally different from it taking 5 seconds to charge?  I have spent less time charging in the years I've owned an EV than I spent in gas stations over the same amount of years owning a gas car.  Therefore, the EV takes less of my time to charge.  And I'm telling you this because I've actually experienced both.  And EV owners who have actually experienced both can tell you that the EV is generally more convenient to use.  You don't have to go out of your way and spend your time and money at a gross gas station, the car just gets charged in the same place it's parked all the time anyway.  Cars spend 95% of their time parked, might as well make that time productive.  If you're that concerned, make your next car a PHEV with enough range to cover your daily driving (so a Volt, maybe Clarity PHEV, or i3 with ""range extender"" option) and then you'll experience how much more convenient it is to charge and how you'd much rather do that than go to gas stations."


"The risk of any investment is measured by its incremental effect on the volatility of your overall personal wealth, including your other investments.  The usual example is that adding a volatile stock to your portfolio may actually reduce the risk of your portfolio if it is negatively correlated with the other stuff in your portfolio. Common measures of risk, such as beta, assume that you have whole-market diversified portfolio. In the case of an investment that may or may not be hedged against currency movements, we can't say whether the hedge adds or removes risk for you without knowing what else is in your portfolio.  If you are an EU citizen with nominally delimited savings or otherwise stand to lose buying power if the Euro depreciates relative to the dollar, than the ""hedged"" ETF is less risky than the ""unhedged"" version.  On the other hand, if your background risk is such that you benefit from that depreciation, then the reverse is true. ""Hedging"" means reducing the risk already present in your portfolio.  In this case it does not refer to reducing the individual volatility of the ETF.  It may or may not do that but individual asset volatility and risk are two very different things."


Presumably you need a car to get to work, so let's start with the assumption that you need to buy something to replace the car you just lost. The biggest difficulty to overcome in buying a car is the concept of the monthly payment. Dealers will play games with all of the numbers to massage a monthly payment that the buyer can swallow, but this usually doesn't end up giving the customer the best deal. The 18 month term is not normal for a lease, typically you'll see 24 or 36 months. You are focusing on another goal of paying your student loans by then which would free up much more money for other wants (like a car) but at what cost? The big difficulty of personal finance is the mental mind game of delaying gratification for greater long-term benefit. You are focusing on paying your student loans now so that you can be free of that debt and have more flexibility for the future. Good. You're tempted to spend another $5400 (assuming no down-payment or other surprise fees) to drive a car for 18 months. That doesn't sound any wiser than $5,000 for an unreliable used car that gave you more problems than you bargained for. Presumably you got some percentage of that money back from the insurance company when the car was totaled, but even if not, the real lesson should be finding a car that you can afford up-front, but also one that you can still use when the loan is paid off (like your education--that investment will keep giving even when the loans are a distant memory). My advice would be to look for a car that has about 30k miles on it and pay for it as quickly as possible, then drive it at least for 70-120k more miles before replacing it. You may wish for a newer car, especially in 3 or 4 more years when it starts to show its age, but you'll also thank yourself when you can buy a newer better car with cash and break out of the monthly payment game that dealers try to push on you. You might even enjoy negotiating with car salesmen when you see through their manipulations and simply work for the best cash price you can get.