"There is unlimited risk in taking a naked call option position.  The only risk in taking a covered call position is that you will be required to sell your shares for less than the going market price. I don't entirely agree with the accepted answer given here.  You would not lose the amount you paid to buy the shares. Naked Call Option Suppose take a naked call option position by selling a call option. Since there is no limit on how high the price of the underlying share can go, you can be forced to either buy back the option at a very high price, or, in the case that the option is exercised, you can be force. to buy the underlying shares at a very high price and then sell them to the option holder at a very low price. For example, suppose you sell an Apple call option with a strike price of $100 at a premium of $2.50, and for this you receive a payment of $250. Now, if the price of Apple skyrockets to, say, $1000, then you would either have to buy back the option for about $90,000 = 100 x ($1000-$100), or, if the holder exercised the option, then you would need to buy 100 Apple shares at the market price of $1000 per share, costing you $100,000, and then sell them to the option holder at the strike price of $100 for $10,000 = 100 x $100.  In either case, you would show a loss of $90,000 on the share transaction, which would be slightly offset by a $250 credit for the premium you received selling the call.  There is no limit on the potential loss since there is no limit on how high the underlying share price can go. Covered Call Option Consider now the case of a covered call option.  Since you hold the underlying shares, any loss you make on the option position would be ""covered"" by the profit you make on the underlying shares. Again, suppose you own 100 Apple shares and sell a call option with a strike price of $100 at a premium of $2.50 to earn a payment of $250. If the price of Apple skyrockets to $1000, then there are again two possible scenarios. One, you buy back the option at a premium of about $900 costing you $90,000.  In order to cover this cost you would then sell your 100 Apple shares at the market price of $1000 per share to realise $100,000 = 100 x $1000.  On the other hand, if your option is exercised, then you would deliver your 100 Apple shares to the option holder at the contracted strike price of $100 per share, thus receiving just $10,000 = 100 x $100.  The only ""loss"" is that you have had to sell your shares for much less than the market price."


"In his defense, the article was written by an owner of a small consulting firm and lays out some pretty loose ideas on why big consulting firms are doomed. From what I've seen, they understand this shift and are working to adapt already. I wouldn't especially use the word ""doomed"" either."


"I don't think this is a good model to sell cloths - very costly, slow and a lot of returns.  Clothing and fashion stores could easily fight this and sell more than they do now. I say ""could"" because they should have done it many many years ago. To stuck in their old-fashioned way.  I would prefer to go to a Showroom (not a store) that has huge selection on display, possibly fashion expert who can help select/suggest for me, try/touch the cloths there, and what I like will be ordered and shipped to my house exactly to my size.  (the old Service Merchandise mode of selling, but for clothing and fashion)."


The economy will never be the same from the perspective of the lower and middle classes. Globalization is continuing to happen and no Presisdent can do anything about it. This means an increased pool of workers (china, India, Brazil, etc) competing for the same quality of life we have.    Only way to stay ahead is get as educated as possible.


"Sounds like a bitter douchebag who got passed over by some awesome bootstrappers.  Wait, what?   Now seriously - you know what that polemic of mine was about? Reaching people. Shaking them up. And it's done a far better job than any ""reasonable"" essay could.   EDIT: I didn't ask anyone to vote on anything, FYI. And thanks for the compliments. But I would like to see numbers on your ""higher probability for success"" from venture capital."


Children like it because they can both hold it and not chew. They are encouraged further by playgrounds and toys. By the time most realize it's not good, they have 10 plus years eating it. All this takes cooperation of the parents, which may be the real issue. If parents feel it's bad, they won't go.


I didn't get through the entire article but I assume it's similar to other cottage food laws which many other states already have. In Florida, for example, many baked goods and non-hazardous stuff can be cooked at home and sold as long as they are labeled as made under the cottage laws.


I understand I am being a tad simplistic.  But we can all pull a Wikipedia article out of our ass can't we? https://en.wikipedia.org/wiki/1973_oil_crisis  Similar price increase ($3 --> $12). But lets just compare the effects by looking at the length of the article and not the content. I concede I am again be a tad simplistic. But the oil shortage nearly escalated into a full blown war, crashed the stock market, and all these other implications. I think that supports my original argument to OPs question, dont you think u/raybrignsx?


"This isn't as rigorous as it should be, but may offer some useful insight into how big and small companies differ operationally. Putting Apple aside, larger companies tend to sell larger volumes of products (even if they're MRI devices, or turbines) relative to what smaller companies can sell (obviously, in absolute terms as well).  They are also able to negotiate volume discounts as well as payment terms.  This allows them to finance sales through their supply chain.  However, their large direct competitors are able to do the same thing as well.  Competitive forces then drive prices down. Smaller businesses, without these advantages of scale, tend to have to charge higher margins since they have to pay directly (and, if their clients are large businesses, finance the sale). Small businesses still have higher proportional costs of operation.  Sadly, my reference here is a study I performed for the South African Revenue Service about ten years ago, and not available online. However, the time taken by a small business to manage admin, tax, HR is a greater proportion of revenue than for larger companies. If the small business is a start-up with big investment from venture finance, then they could subsidise their selling price, run at a loss and try and gain scale.  Funnily enough, there is a fantastic article on this by Joel Spolsky (Ben and Jerry's vs. Amazon) For the average highly-competitive smaller company, the best choice is to chase design/quality/premium markets in order to justify the higher margins they have to charge.   And that's what makes Apple interesting as a case study.  They were a small company in the presence of giants (Intel, Microsoft, IBM).  They were ""forced"" to concentrate on design and premium markets in order to justify their need for higher margins.  It almost didn't work but then they broke through.  Now they're in the unique position of having gained scale but are still small enough relative to other electronics manufacturers to continue charging that premium (by volume their sales are still relatively small but their margins make them a giant). This type of variation from market to market makes developing some sort of generalised solution very unlikely but the general requirement holds: that smaller companies must charge higher margins in order to create equivalent profits to larger companies which must gain scale through volume."


Well as someone that comes from a rural area where political opinions sway clear left and right regardless of the stereotype that has been created for them. The economic and social plans that are created and supported by people that come from urban backgrounds Do. Not. Work. Out. Here. Don't get me wrong I wish they did but the economy out in the rural areas can not support the plans like rural areas can and thats why is shrinking and dying.  So how else are we supposed to get our option across if it wasn't for the decisions made by the people that founded this country. The majority can rule but he minority will have rights. Take that as you will but I take you as a ration person so you have to know that in urban areas there's more collective opinion.... and if I'm right farming isn't a dying industry.. at least I hope not for your and my sake.


"For a long time I did just as you did. I had a car, but I didn't drive it. Even if you NEVER drive a car, it still has a cost. You still have to insure it and you still have to register it.  On top of that a sitting car will have costs. Cars are not built to sit.  I found it to be much cheaper to take a ""taxi"" then to own a car. Eventually I got rid of my car, and we (my wife and I) just rented any time we needed to go somewhere long distance.  Very recently we purchased a car and kids change things, and we want kids. SO better to do this costly move now (in our minds). But still if we travel outside of town, we still rent.  A car is, usually, not good at constant ""long drives"" as the maintenance costs get high, and they are, usually, not good at ""no driving"" as they are not built to sit still. They are best used, usually, for shorter, in town, or ""next town over"" style driving.  Keep in mind I am in the USA so ""long and short"" drives have a different meaning. A 200 mile trip is about the line we draw before we just rent. But that's our preference. Some of which is because we would prefer to take the train and rent there then drive the entire trip."


If I understand what you're asking, I think you're looking at the relationship wrong.  Yes, when one currency has a higher interest rate relative to another, it's value should, theoretically, appreciate.  For example, if the USD interest rate is 10% and the EUR is 5%, the USD should appreciate in value against the EUR.  However, the parity relationship tells you the price at which an investor would be indifferent to the difference in interest rates.  So using the formula for interest rate parity:  (1+r(USD))/(1+r(EUR)) = F/S   and plugging in the interest rates from above and a spot rate of $1.5/EUR:  (1.1)/(1.05) = F/(1.5)  The 1 year forward rate would have to be $1.5714/EUR in order for the investor to be INDIFFERENT between holding USD or EUR.  All this assuming interest rate parity holds.  I'm not big on Econ but this is how I understood it when studying for the CFA exam the past few months.  So please, someone correct me if I'm wrong.


Our Website: http://www.meadowbrookamphitheatre.com/ Amphitheatre is one of the city's most popular outdoor concert venues. There is nothing better than being outdoors in the summer sun and seeing your favorite artists live on the amphitheater stage and the Meadow Brook Amphitheatre offers just that. This one is the go to for many bands and singers alike, set in a beautiful hill side and often with a blue sky above the crowd – it's easy to see why!


I agree that it was poorly implemented, but putting a deeper divide between their DVD business and their streaming business with the idea that the DVD business could be sold or killed when appropriate off was good.  It was poorly handled, yes - bad branding and *too much* divide between the products when even as separate businesses they should still be capable of *talking* to each other.


Except for the fact that canceling credit cards will hurt your credit, either by increasing your utilization ratio or decreasing the length of your credit lines if you cancel the oldest card, which makes it that much harder to get the good interest rates available on other loans.


Well, sorry to hear about your struggles! For your question, $15,000 is sadly not enough money to build a career on investing for yourself, if you’re referring to the stock market. Unfortunately you need I believe $25,000 to even have a day trading account, plus the best investors in the world probably net 5-10% which is only tops $2,500 per year!  On the other hand, $15,000 maybe you could use an FHA loan and buy a small condo that you could renovate and flip. FHA lenders only require 3.5% down plus closing costs.  I would need more information on what type of investing you’re referring to.


"Nope, its not legal. Easy to explain: If you know something that isn't public known (""inside"") it's called insider trading. Hard to prove (impossible), but still illegal. To clarify: If the CEO says it AND its known in public its not illegal. In any case the CEO could face consequences (at least from his company)."


"The interesting thing about an FSA is that you have access to your total annual election immediately.  After electing to put $200 per month toward your FSA, you can go have a $1,500 surgery on January 3rd and pay with your FSA funds.  Then you can leave the company on February 1st, and not owe the company anything. I understand that you don't like that this is the answer, but it is.  The employer is on the hook for the full elected liability of an FSA plan as of the first day of the plan year.  The employer is also paying admin costs that aren't passed to the employees.  You contest that this arrangement could leave current employees picking up the bag for departed employees, but there is no employee liability.  FSA plans run at a net cost the the employer (I'm sure there are outlier exceptions however). I disagree with your premise that  ""Employees generally dislike that FSA plans are Use-it-or-Lose-it, and also that there appears to be an obvious alternative that would be preferable [...] The employees that dislike the rules of FSA accounts don't fully understand the nuances and surely assume that FSA is a synonym for HSA.  Tons of employers offer their employees FSA plans and they are very well received.  You can fill full prescriptions off of a debit card on the third day of the year before you've even contributed anything. HSAs are great (I have one), but they require enrollment in a HDHP and you can only spend the funds currently available in your account.  These are two huge limitations addressed by FSA plans.  You can have a $0 deductible platinum plan with a $2,000 out of pocket max and an FSA debit card for virtually tax free healthcare.  The caveat being if you don't use your full FSA election you give it up. In fact, my biggest gripe with the FSA/HSA discussion is that anyone feels the need to claim that ""HSA funds don't expire at the end of a plan year"" as though it's something other than a personal savings account.  An FSA is a spending account (or arrangement) which is an entirely different animal.  It would be like claiming that IRA funds don't expire, as though they might somehow."


I don't have any recommendations in particular but the cutters from china are getting cheap, I had a look on aliexpress, there are a couple for <$1k and more capable ones sitting between $2-5k. You want at least 40w.  Thanks to the surge of DIY 3d printers, the motion controls can be upgraded to something with a large working body of knowledge to repair/improve them, if you get stuck, it's possible to swap out the electronics. Here's a [blog post](http://3dprintzothar.blogspot.ca/2014/08/40-watt-chinese-co2-laser-upgrade-with.html) I found of someone doing just that.


"Doing what you suggest may actually be helpful. Today, you have wealth of 145k and debt of 140k, for net wealth of 5k. Your interest incurred is $671/month and your interest earned is $211, for a total loss of $460/month, just below the 491 $/month you are saving, so your total saving is $31/month currently. However, even though in total, you have more money each month than the month before, you are getting more debt and thus more interest to pay each month. Your interest earned is increasing much slower. That $31/month you are currently able to save? By the time you hit 51, that has become $0/month and is still dropping. By 60? Your debt has overtaken your retirement savings - that $5 net worth you have now is gone. If you were to withdraw money from your retirement to pay off your debt (with the $32k penalties) you would have wealth of 70k and debt of 97k, for a net wealth of -27k (i.e. net debt). Obviously, the above is not good. However, you reduce your monthly interest paid to $465, while also reducing your interest earned to $102. This is a total loss of $365/month, so you are saving $126/month.  Note that in this case, your $491 monthly repayment is higher than the interest you have to pay on the account, this means that each month, your interest payment becomes lower, thus you pay off more and more each month. Your balance would be getting better each month (and at a faster rate each month. Your net wealth would be back in positives and above your wealth on your current trajectory before you hit 62. By 65, you will have $9000 of net wealth if you use your retirement savings now, as opposed to $9000 net debt if you don't. And just adding a few things on to the end 1) This is just the maths of it, and does not take into account your behaviour. If having that debt accruing is helping to motivate you to give up on luxuries, then this analysis does not apply. I am assuming that the $491/month is literally all you can save, and that no matter what changes, you will always deposit that $491. If you do not think you can continue to deposit that $491 if you stop seeing such high interest accruing, then do not do this. 2) I am assuming your interest earned on your IRA is 1.75%. If this is not the case, then please let me know, and I can adjust my numbers accordingly. From http://www.usatoday.com/story/news/politics/2014/01/28/obama-state-of-the-union-myra-savings-plan/4992743/ 3) I'm assuming all numbers you mentioned are accurate, and will stay constant (interest rates may not) 4) This is not professional, financial advice. I am just a person on the internet.  5) This goes without saying (and will probably go down as well as ""let them eat cake"" did), but saving more money each month will be a more powerful, risk free way to get out of this problem. Work a 2nd job, cut costs however you can. 6) Sorry if you were looking for something more motivational or sugar coated.  7) Best of luck, feel free to ask any questions. Graph below in red is your current trajectory, and blue is if you withdraw from your retirement to pay off your debt."


Your question reminds me of a Will Rogers quote: buy some good stock, and hold it till it goes up, then sell it. If it don’t go up, don’t buy it. There's no way to prevent yourself from buying a stock that goes down.  In fact all stocks go down at some times.  The way to protect your long term investment is to diversify, which increases the chances that you have more stocks that go up than go down.  So many advisors will encourage index funds, which have a low cost (which eats away at returns) and low rick (because of diversification).  If you want to experiment with your criteria that's great, and I wish you luck, but  Note that historically, very few managed funds (meaning funds that actively buy and sell stocks based on some set of criteria) outperform the market over long periods.  So don't be afraid of some of your stocks losing - if you diversify enough, then statistically you should have more winners than losers. It's like playing blackjack.  The goal is not to win every hand. The goal is to have more winning hands than losing hands.


You owe $10k at 18% and borrow an additional $10k at 0. When you pay back $10k, they are likely to apply it to the zero rate money and you are out 2%. Your question has merit, but as others say, the devil is I'm the details. You should read the fine print.  My credit card checks forbid drawing a check payable to myself. I need to pay another account, in my case easy to 'pay' my HELOC, then draw the funds.


Hi I have a question about net worth value of rich people on those forbes lists. For example most of those rich people have high net worth because they are shareholders. Do they take into account that if they want to sell all their assets then actually they would receive much less in cash (as the stock price would drastically drop) or is it just the nominal net worth (i.e. the value of all their at the current price)


Because the US Energy Information Administration at the time was run by the Bush Administration, which loved fossil fuels but hated renewables, so they predicted that coal and oil demand would soar while renewables would stall.  They also predicted that overall energy demand would rise (so we must dig more coal!) yet it actually fell due to efficiency improvements.  One suspects they knew all their forecasts were complete crap.


"Look, we don't have to agree but the US has the most advanced military in the world, one of the most stable societies, and an amazingly innovative economy. Why do you think ""investors"" are still buying US debt with such low rates? People don't buy US debt as an investment but as a preservation tool. These people have such large amounts of money that they give it to us knowing they will see it back. The US controls the printing press of the world's most important currency. The US has such an upper hand in this world. Can you provide me with any good arguments for your position?"


"Its called a ""Grace Period"" and you are not paying interest on the 0% BT, you are paying interest on the amount you spent in purchases If you do not pay your balance in full by the due date your grace period ends. This means that you have to pay interest on the purchased amount from the day it is made. This is why when you do a balance transfer the card should be put in the Sock Drawer until the BT is paid off. In order to restore the grace period you must pay the balance in full and the grace period will start during the Next Payment Cycle. Lets Assume: Statement cuts on the 1st and Due date is the 20th. you make the minimum payment of $10 Balance now is $100 Since you have a balance of $100 from the previous statement and a new purchase of $50.00, when the next statement cuts you will have to pay interest according to the terms on the $50.00 portion. In order to get the grace period back you will have to pay in full and wait for the next cycle In case I did not explain it well here is a quote from creditcards dot com website: The cost of carrying a balance   This is because carrying a balance of   any size into the next billing cycle means there is no grace period on   your purchases during that cycle. The card company will begin charging   interest on your purchases the day you make them. So leaving even $1   in unpaid balance on your card will cost you considerably more than   the measly finance charges on that dollar. To see how this works let's consider an imaginary card user named   Sally. She's so happy she got a new credit card that she charges   $1,500 in purchases on the first day of her monthly billing cycle.   After the cycle ends, Sally pays off the entire $1,500 by the due   date, wiping her balance to zero. As a result, her purchases during   the second month are also free of interest. She has used her grace   period wisely to avoid finance charges. What happens if Sally leaves just $1 of her balance from the first   month unpaid? That $1 begins to accrue interest starting the first day   of the billing cycle. It's just $1, so the interest is not a big deal   -- but because she used up her grace period without paying off her entire debt, her new purchases during the second month also start to   get hit with interest charges immediately, starting the day of the   transaction. Assuming she makes another $1,500 in purchases at the   average annual interest rate of about 13 percent, that means $16 in   finance charges for the month. If Sally repeats this pattern, the   interest costs add up to $190 over the course of a year."


That would be pretty terrible, I think.  Pension plans are in enough trouble with not being able to meet the unrealistic targets set for them.  Putting money into direct investment and 'un-diversifying' investments would mean even more pension plans that end up busted.


"> Check the ""maybe""(s): they are all yours!  [Here](https://www.reddit.com/r/economy/comments/6sb4qh/for_the_last_time_trump_hasnt_made_the_economy/dlk1hax/) is where you first used ""maybe"" to talk about President's Trump's possible position on Medicare drug negotiation.  [The post right after](https://www.reddit.com/r/economy/comments/6sb4qh/for_the_last_time_trump_hasnt_made_the_economy/dlk99em/) I point out your ""maybe"" statement is only one of an infinte number of maybes so none of them have value.  Ever since you have claimed that judging President Trump on what he may be doing was my position.  It never was.  > How ""instability"" will happen because it's tiny bit hotter?  I gave you [a link](https://www.americansecurityproject.org/climate-security/) when I said global warming is a serious risk to the country.  It gives possible scenarios.  > I asked you, again, and again, and again, and again, to give me one ACTION by Trump that you oppose.  [Here is your first request for an example](https://www.reddit.com/r/economy/comments/6sb4qh/for_the_last_time_trump_hasnt_made_the_economy/dlflgm7/): *Tell me of something that Trump did that you do agree to or do not like.*  [Here is the second request to which I responded](https://www.reddit.com/r/economy/comments/6sb4qh/for_the_last_time_trump_hasnt_made_the_economy/dlgw0h6/): *Please find me something significant that Trump did that you don't like.*  Neither one asked for an ""action"".  > He's a liar, so you won't believe anything he said, anything he does or anything I say about him.  No, it only means I won't accept what he says as true.  > Hillary and the DNC are not liars. So you voted for them.  > Hillary with her handling of e-mail(s), cheating on debate questions, rigging elections against Sanders...  > Hillary is not with her ""deplorables"" remarks, seeking presidency despite all the scandals and cheating, her ""I should be 50 points ahead""  And, once again, your defense for President Trump is complaining about the Democrats.  I think you do this because you secretly know my categories of reasons I do not support our president have validity.  > Darling, already since July the whole media, even Fox, are trying to show the Trump lied, unpresidential, etc. And so far? Anything?  Sure, [here is a list of some of the lies](https://www.nytimes.com/interactive/2017/06/23/opinion/trumps-lies.html).  (I am sure you'll complain about ""fake news"" even though every lie is sourced and you can look them up for yourself.)  > YOU ARE, how can I say plainly, despite wanting a non-liar, presidential, etc president, you voted for Hillary and the DNC, who are the EPITOMY of liars, cheaters, narcissists, unreliable, criminals, untrustworthy. Do you see how your tribalism make you ridiculous?  I never said who I voted for and I never expressed support for Hillary or the DNC but here you are in bold print telling me I am ridiculous for being on their side.  Look in the mirror if you want to see tribalism."


Regardless of UK Money Laundering Laws - All companies have a responsibility under the Data Protection Act to ensure that all data kept is necessary and accurate - and so they can actually ask you to send up-to-date information* in any time period that they deem reasonable to ensure they are compliant with the act. That being said, most payment systems these days are automated and use algorithms to try and find suspicious activity. Using multiple accounts will definitely be a red flag here, unfortunately, the advice to use your previous account will just be seen as yet another account switch by these algorithms and will probably look even more suspicious. The main thing to remember is that ultimately these acts and regulations are there to protect you and your investment, so unless you have any suspicious that you're being asked for documents by a company or individual that you don't trust I would simply send them on and let them do their job. As a side note - make sure you send anything of that nature in a recorded delivery so that you know exactly who handled it and when! * So long as the information is necessary.


>While I was reading the piece I thought it was the work of a sophomore, but it turns out this was written by a professor.    I am not getting much from this remark. Sounds like a snarking remark slung at the author. So somophores can't write good articles?   There are lots of mediocre articles out there written by accomplished individuals. It's one thing to critcize the content but it's another to criticize the author.


our mortgage has been sold to a secondary market player. There are multiple ways in which the deal is struck. At times the risk of default is with Original FI [with recourse], at times it is with secondary FI [without recourse]. The rate can be discounted. So the Original FI collects the EMI as per 3.75 and pays to the secondary FI at 3.25. Or it can also be one time fixed amount. How could this possibly be financially beneficial for the original loan holder? As indicated, there are multiple ways the Original FI makes money, either one time or over the period, depending on how the deal is struck. Are they truly making enough money from the mortgage fees and first payment's interest to to warrant their need to clear up their credit line for new mortgages?   Are mortgages always sold for less than the remaining principal? No broadly speaking the mortgage fees cover the cost for initiating the loan. There may be a very small amount banks may make. This is incidental. The actual money is made in the interest that is collected every month. If a Bank as say 5 loans for 100K each. It is very reputed brand and 10 people need 100K loans. Then it makes sense for the First FI to give loan to 5 people for 100K each, and sell this at profit to secondary FI. Take the 100K * 5 and give it off to new 5 people. Effectively making more money on the original 500K the bank had.


"I wouldn't call adderall an outside substance. Anyone can take adderall who has ADHD right? Nobody is ""allowed"" to take whatever Armstrong took, or is that not right?  I guess older men or people with cancer or HIV, but I never saw those people win races like the kinds Armstrong was able to win.  Oh wait he actually did have cancer, maybe he can say it was part of his ""treatment""?"


Hey it’s me, your professor. I’m requiring this book that I wrote, you can purchase it through the publisher only and all previous editions are obsolete. It’s only $250. Along with that you’ll have to purchase the online access code to get your homework, it’s $150. Sometimes you’ll enter the correct answer on the site and it will count it wrong, this is not my problem.   Finally, if you have any questions please email me and I’ll be happy to answer them the day after you needed the answer. You can ask me after class, but I’ll just tell you to come during my office hours. On that note, my office hours are by appointment only, email me to schedule one.   Oh, and our class that started 5 minutes ago is cancelled. Hope you check your email religiously or else you’ll be waiting for me to show up! Have a great semester!


Mobile mattress is a popular provider of cheap double bed mattresses in Brisbane. We offer a variety of options to our customers ranging from professional mattress removal, delivery service, interest free, warrantee and guarantee, mattress, and commercial services. Please visit our website.


A credit card can be a long running line of credit that will help to boost your FICO score.  However if you have student loans, a mortgage, or car payments those will work just as well. If you ever get to the point where you don't have any recent lines of credit, this may eventually end up hurting your score, but until then you really don't need any extras.


I have to agree with Krazy, its not the same thing.  The mouse was not raised for food, he was just walking by.  I live in a very rural area.  I have all sorts of animals through my yard.  From deer to yes, wild turkeys.  I leave them alone.  They are not bothering me.  However, a turkey in a slaughter house is a different story.  More to the point, if I thought I could, the big ass turkey walking through my yard, would be on my dinner table and I wouldnt care if I had to beat it with a stick to kill it.  Its food.


"It seems I can make contributions as employee-elective, employer   match, or profit sharing; yet they all end up in the same 401k from my   money since I'm both the employer and employee in this situation. Correct. What does this mean for my allowed limits for each of the 3 types of   contributions? Are all 3 types deductible? ""Deductible""? Nothing is deductible. First you need to calculate your ""compensation"". According to the IRS, it is this: compensation is your “earned income,” which is defined as net earnings   from self-employment after deducting both: So assuming (numbers for example, not real numbers) your business netted $30, and $500 is the SE tax (half). You contributed $17.5 (max) for yourself. Your compensation is thus 30-17.5-0.5=12. Your business can contribute up to 25% of that on your behalf, i.e.: $4K. Total that you can contribute in such a scenario is $21.5K. Whatever is contributed to a regular 401k is deferred, i.e.: excluded from income for the current year and taxed when you withdraw it from 401k (not ""deducted"" - deferred)."


Is it possible to pay off my balance more than once in a payment period in order to increase the amount I can spend in a payment period? Yes, but you should only do that if you expect an expense that is larger than your limit allows. Then, provide an extra payment before your expense occurs since it will take longer for the issuer to apply it to the outstanding balance. For instance, when going on holiday you could deposit additional money to increase your balance temporarily. That said if your goal is to improve your credit score I would recommend using the card, staying within your limit and pay it off every month. The 2 largest factors going into calculating your credit score are: By paying off the balance each month you  After 6-9 months you can probably get a bigger limit, to improve your score. I wouldn't change to a different card or get a second one, as some issuers will run a check on your creditscore that lowers it temporarily. Also: you're entitled to a free credit report each year. I'd recommend asking for one every year so you can keep track on how your credit score improves. It also gives you the opportunity to check for mistakes on your report. Check here for more information: http://www.myfico.com/crediteducation/whatsinyourscore.aspx


Your goal should be to withhold enough from your paycheck that you don't owe any taxes at the end of the year on your total married income.  If you owe, that's where you'll run into trouble.  However, there is some caveat about if you withhold more 110% of what you withheld last year or something similar, but I can't find it online.


The usual, but controversial, answer to this question is a 4% withdrawal rate. This means a net worth of ($5000 * 12 months ) / 4%, i.e., $1,500,000 If you want to play with the numbers, based on historical data, you can use the FIRECalc simulator.


My use is occasional (like weekends where I get out and overdo it and need help calming aches to sleep) and occasionally recreational.  But I have strict rules about dosing frequency (no more than one weekend a month) to avoid dependency and withdrawal.  OTOH, I had hernia surgery a couple years ago and it was ridiculous the hoops I had to go through to get my post-op stuff.  Doctors are beginning to under-medicate.  I think that might be worse.


Not OP, but let's see:  My money-market account is showing 0.25% interest rate. My savings account, 0.20%. And checking, 0.22%.  It doesn't matter where I keep my emergency fund and what I keep my checking balance. It's making fuck-all for interest. And I need to keep a couple thousand in there because my mortgage hits for about $1600. And my monthly CC spend averages ~$3500 monthly.   I simply can't keep a couple hundred in there.


Oh that's so wonderful   I haven't seen anything like that since...1966. When I looked into the heating/AC room for a coliseum where the Beatles were gonna play, and each pipe, each vent, was painted a different bright color. It was like the Room of Roots in Gormenghast where all the roots are painted different colors.   >The bole of the tree they once nourished enters in seven main roots which even down to the minutest rivulet of root, were painted in their own special colours, so that it appeared as though seven coloured boles had forced their leafless branches through the window, yellow, red and green, violet and pale blue, coral pink and orange. The concentration of effort needed for the execution of this work must have been considerable, let alone the almost superhuman difficulties and vexation that must have resulted from the efforts to establish, amoung the labyrinthic entanglements of finer roots, which tendril belonged to which branch, which branch to which limb, which limb to which trunk, for only after discovering its source could its correct colour be applied.  Beautiful. Which technology sometimes can be.


"Paying off your house quickly should be a #2-level priority, behind making sure you have some basic savings but definitely ahead of any investing concerns, because your house is not an investment; it's your home.  (If you're brave/foolish enough to try buying houses-as-investments in the current climate, this obviously doesn't apply to you!) This isn't a financial matter so much as an issue of basic prudence.  If something disastrous happens, (you lose your job, get in a serious car accident, your kid comes down with cancer, etc,) it will put tremendous strain on your financial resources.  If you own your home outright when this happens, it means that no matter what else might go wrong, you can't get foreclosed on and end up out on the streets, and that's worth more than any rate of return you can reasonably expect to find even in the best of times. It's a well-known investing maxim to ""never bet anything that you can't afford to lose.""  In light of that, consider this: if you have a mortgage that is not paid off, that's exactly what you're doing.  You are placing a bet against a bank that you'll remain solvent long enough to pay off the mortgage, and your home is the wager.  Mortgages may be a necessary evil with housing prices being what they are, but make no mistake, they are evil.  Get rid of yours as quickly as you can."


Besides that statement not being correct, it was very suprising to me to learn that despite the terrible news yesterday and huge hit to the stock price--- they've been much much worse off about 10 years ago and recovered from it.  We'll see how far the rabbit hole goes down for them, but the simple fact is they have been close to death and pulled themselves back up.


Buying a house can definitely make your net worth go down because there are expenses involved (interest expense, closing costs, taxes, maintenance, etc.). So unless the house appreciates in value enough to offset these things, you will see a drop in your net worth from buying a house. More specifically it can have a negative impact on your net worth, since changes in your net worth are the cumulative result of all your inflows and outflows of money.


"Pension- and many ""low-risk"" investment funds may only invest in AAA-rated stocks and bonds.  While the S&P rating alone doesn't imply that such funds must immediately disinvest in US bonds (Fitch and Moody's are holding), it does create the risk that the other rating agencies will follow suite and also lower the US rating. As the largest issuer of bonds, controller of the world's reserve currency, and with many emerging markets placing almost all their current account surpluses in US bonds, this risk change has implications everywhere. Some companies will already start disinvestment while some investors will start demanding higher interest returns in order to buy US bonds.  It isn't yet a stampede, but the gates are now open. That said, S&P is simply reflecting the opinions of bond traders. Markets were already unstable long before the downrating.  However, from the US perspective, it is a timely reminder to politicians that the global balance is shifting and that the US cannot count on incumbency to protect it from the disapproval of financial analysts."


Say I am an employee of Facebook and I will be able to sell stares at enough of a profit to pay of my mortgage and have enough money left to cover my living costs for many years. I also believe that there is a 95% chance that the stock price will go up in the next few years. Do I take a 5% risk, when I can transform my life without taking any risk?   (The USA tax system as explained by JoeTaxpayer increases the risk.)  So you have a person being very logical and selling stocks that they believe will go up in value by more than any other investment they could have.   It is called risk control. (Lot of people will know the above; therefore some people will delay buying stock until Lock Up expiration day hoping the price will be lower on that day.   So the price may not go down.)


About Us Springhill Group Counselling aims to educate the public about counselling and psychotherapy, and through the provision of information seeks to facilitate the process for clients before and during therapy. We are happy to discuss any queries or concerns which you may have about therapy or the process. Please contact us via email at info@springhillgroupcounselling.com


Well put and, honestly, seemingly unavoidable. It will be crazy if it truly does come to fruition if they (Fed/Treasury/Gummit) realize that they cannot inflate their way out of this by printing more money and all of the nay-sayers of massive deflation get proven wrong.   So, the better question is this: we believe/know it's coming, so how do we prepare and strategically place ourselves to survive/profit/prosper from the coming collapse?  As I see it, RE is a crap investment for the foreseeable future as oversupply and oversize are not absorbed. People have to live, so rentals will be key; but, they have already bloomed quite a bit.   Stocks will likely trade sideways for awhile before likely tanking as the forced/willing withdrawals start happening from the Boomers. So, keeping it in stocks doesn't sound overly positive, unless a fairly aggressive put strategy is enforced.   Bonds are paying crap and, after taxes, barely pacing inflation.   For me personally and selfishly, I have 20 years minimum for retirement, so I'm fine qith the market trending sideways or down. It means that I'm getting more bang for my DCA buck and, 20+ years from now, I will be well positioned when the market eventually cycles back up.   But, for now, where do we put our investments to protect and, hopefully, grow them as the mid term passes?


I did not know that. I guess they would have to do it that way. So I could potentially convince one of my current profs to take me on as a PhD student? I know one isn't supposed to stay at the same school they did their undergrad at, but it would be easier this way and I really like the finance faculty at my school.  I really haven't had courses in those. The econ program I'm doing is in the business school, so other than what calc we do in our classes and the one required calculus class, I don't have much experience. The econ program is pretty poor at my school as well, in my humble opinion (I think the finance program is pretty great though). I understand that I'm incredibly deficient on math as far as quants go. I just ordered a book on stochastic calculus that I'm going to read and see if I like it or hate it.


I wound up asking Mint over email so I'll share the answer I received: Thank you for contacting Mint.com.  From my understand you want to know if Mint can transfer data to other   Intuit products and vice versa. Let me address your concern based from   what I can see on my tools. Upon confirming, while Mint and other Intuit products are under the   same company, Mint.com is not yet integrated to other Intuit products.   We’d like to thank you though for giving the idea to us. With this, we   would know which future enhancements will our customers appreciate. We have forwarded your request/suggestion to our Product and   Development team for their review. At this time though, we can't make   any guarantee that your request/suggestion will get implemented as we   must balance customer demand with resources and business objectives. Oops...


They are decently distributed in my area(Chicago suburbs). I can't recall the last good experience with their food or service but I can recall several terrible experiences. I can resent McD's all I want but I still go every week for a  #1 or 2 meal because of value and their burgers are at the very least consistently ok.


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Ok so this is the best information I could get!  It is a guarantee from a financial institution that payment will be made for items or services once certain requirements are met.  Let me know if this helps!  I'll try to get more info in the meantime.


"Selling an asset is not earning income. You are basically moving value from one asset (the laptop) to another (your bank account.) So you reduce the equity that is ""value of all my electronics"" and you increase the asset that is your bank account. In your case, you never entered the laptop in some category called ""value of all my electronics"" so you don't have that to make a double-entry against. The temptation is high to call it income as a result. Depending on the reason for all this double-entry book-keeping for personal finances, that may be fine. Or, you can create a category for balancing and use that, and realize the (negative) value of that account doesn't mean much."


> But, banks won't allow it.  It's not just banks - the Republican party seems to have had it in for the US Postal Service for the past decade.  Possibly because it's seen as trustworthy and effective, so they want to make it worse so people won't have things like that associated with government.  In 2006 at the height of their majorities in Congress they managed to pass that bill that forces the USPS to lose money rapidly, and has been forcing it to lay off people and close post offices and chip away at how convenient and effective it is.  But, postal banking could turn that around.  With it the USPS might bring in some income to balance out the expenses of that 2006 legislation.  People might even object more to post offices closing, or try to reopen them.  It would undermine a major part of Republican policy.


>I'm an athiest. Why wouldn't I hire an athiest first given that I work in such close proximity with my employees and is much more like a family or a close group of friends?  Mainly because it's illegal.  That being said, if you don't make it blatantly obvious that that's what you're doing, you likely won't get in trouble.


"It is possible to make a REST API call providing the ISIN to get the ticker in the response:  Python code for getting ticker for ISIN=US4592001014:  import requests  url = 'https://api.openfigi.com/v1/mapping'  headers = {'Content-Type':'text/json', 'X-OPENFIGI-APIKEY':'myKey' }  payload = '[ {""idType"":""ID_ISIN"",""idValue"":""US4592001014""}]'   r = requests.post(url, data=payload, headers=headers)"


Sort of unrelated to the main post here, but I've been hoping to buy a few shares that would motivate me to follow the market and get a bit of hands on experience to better understand it all.  What trading program would you recommend for a few simple trades like that?  Thanks!


I let someone else pick and chose which junk bonds to buy and which to sell. So instead of holding individual bonds in my portfolio I hold an ETF that is managed by a man with a PHD and which buys junk bonds.   I get a yearly 15.5% ROI, paid monthly.  Buy and hold and you can get a good return for the rest of your life. It is only speculation when you sell.


I am on my cellphone so it's a bit hard to flesh out, but the thought of these cities is that drawing Amazon will naturally draw other companies in, as opposed to being appealing to many companies but not appealing enough for a headquarter move (assuming favorable conditions are not infinite).    So for example, If there is an Amazon HQ, there can soon be a Google or FB base nearby as well (think Bank of America and Wells Fargo in Charlotte) and the natural attraction these pose for peripheral/symbiotic firms.  But if there is just a small Google and FB and Amazon office, you may not expect there to be as large of an appeal to other companies to move in (Starbucks, Car2Go, Lyft).


it's sort of a sad instance of old people abuse but technically within the law in a lot of cases so no way to really stop it. but you might hope a business that was subsisting on that kind of thing might become so disgusted with itself it would reform. i mean hope, not expect.


"Op-ed by a guy who just waived off interest on the current debt with ""congress can just make more debt to offset the interest on the other debt"". Having a deficit isn't always bad but we haven't reduced the deficit in 20 years and it's only increasing exponentially."


how can I keep my website running for posterity after I die?   If this is the real problem, incorporate a non-profit corporation or have a lawyer set up a foundation.  Those will survive after your death and their bank accounts with them.   You might even find someone willing to do this for you.  It sounds like a neat business.  Collect the ad revenue, charge a fee, pay the web hosting.  Heck, this is a decent deal for a web host.  Provide the web hosting; collect the ad revenue.


I am going to speak in general, as this has also been the case in europe.  First of all QE is an increase of money supply but using non conventional measures(there might be exceptions) some examples of this measures are changing interest rates or TLTRO.  As to why this hasnt transitioned into more inflation, which in the end has but years after, has been a question that people have asked a lot. One of the reasons for this is the transmission mechanism not working properly, which implies that despite the fact banks have received money, they havent been able to move it to the real economy hence not increasing prices.


I'm not sure i understand the strategy of going upmarket so fast. If this is right it will be a 25% increase which is a lot. Apple isn't hurting for profits and most of their growth is in services, which depend on a large install base.  Premium is fine, but going luxury seems counter-productive.


You've really shown your ignorance with this comment in more ways than I could count. A person's salary doesn't really have that much to do with supply and demand. In a capitalist economy, it's all about who generates additional capital for shareholders (whether private or public) and not much else.


I'm a bot, *bleep*, *bloop*. Someone has linked to this thread from another place on reddit:  - [/r/talkbusiness] [How BitClave will Radically Transform Search Engines](https://www.reddit.com/r/talkbusiness/comments/79uv9q/how_bitclave_will_radically_transform_search/)  &nbsp;*^(If you follow any of the above links, please respect the rules of reddit and don't vote in the other threads.) ^\([Info](/r/TotesMessenger) ^/ ^[Contact](/message/compose?to=/r/TotesMessenger))*


"Definitely look at CEF.   They have tax advantages over GLD and SLV, and have been around for 50 years, and are a Canadian company.  They hold their gold in 5 distributed vaults. Apparently tax advantage comes because with GLD, if you supposedly approach them with enough money, you can take out a ""bar of gold"".  Just one problem (well, perhaps more): a bar of gold is an enormous sum of money (and as such not very liquid), and apparently gold bars have special certifications and tracking, which one would mess up if one took it to there personal collection, costing additional sums to re-certify. many, many articles on the web claiming that the gold GLD has is highly leveraged, is held by someone else, and tons of other things that makes GLD seem semi-dubious. I've used CEF for years, talked to them quite a few times; to me, and short of having it my possession, they seem the best /safest / easiest alternative, and are highly liquid/low spread betwen bid and ask. The do also have a pure gold ""stock"" and a pure silver ""stock"", but these often trade at higher premiums.  CEF's premium varies between -2% and +4%.   I.e. sometimes it trades at a premium to the gold and silver it holds, sometimes at a discount.  Note that CEF generally shoots to have a 50/50 ratio of gold / silver holdings in their possession/vaults, but this ratio has increased to be heavier gold weighted than silver, as silver has not performed quite as well lately.  You can go to their web-site and see exactly what they have, e.g. their NAV page:  http://www.centralfund.com/Nav%20Form.htm"


Well I think I can do it in less time. If I graduate with 3 passed, I can probably be done by 28 and I'm 21 now. A heart surgeon would still be in residency at this time.   I'm already so stressed and pressured by these exams, I'm actually going to get my blood pressure checked at Walmart today. I'm not sure I can do it.   I want to run for mayor one day or something. To do that I need to start doing things- big things. I can't get into the prestigious schools so I feel this is the next best thing, even if I don't find it interesting and find the work boring.  ....


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Well, if someone who owes me money defaults, I lose the money he promised to pay me.    To me that would be a huge moral obstacle for declaring myself bankrupt.  I was raised in believing that you keep your promises.


"We’re buying the home right over $200,000 so that means he will only need to put down (as a ‘gift’) roughly $7000. I'm with the others, don't call this a gift unless it is a gift.   I'd have him check with the bank that previously refused him a mortgage if putting both of you on a mortgage would allay their concerns.  Your cash flow would be paying the mortgage payment and if you failed to do so, then they could fall back on his.  That may make more sense to them, even if they would deny each of you a loan on your own.  This works for them because either of you is responsible for the whole loan.  It works for him because he was already willing to be responsible for the whole loan.  And your alternative plan makes you responsible for the whole loan, so this is just as good for you.   At what percentage would you suggest splitting ownership and future expenses? Typically a cash/financing partnership would be 50/50, but since it’s only a 3.5% down-payment instead of 20% is that still fair? Surprisingly enough, a 3.5% down-payment that accumulates is about half the equity of a 20% down-payment.  So your suggestion of a 25%-75% split makes sense if 20% would give a 50%-50% split.   I expected it to be considerably lower.  The way that I calculated it was to have his share increase by his equity share of the ""rent"" which I set to the principal plus interest payment for a thirty year loan.  With a 20% down-payment, this would give him 84% equity.  With 3.5%, about 40% equity.  I'm not sure why 84% equity should be the equivalent of a 50% share, but it may be a side effect of other expenses.  Perhaps taking property taxes out would reduce the equity share.   Note that if you increase the down-payment to 20%, your mortgage payment will drop substantially.  The difference in interest between 3.5% and 20% equity is a couple hundred dollars.  Also, you'll be able to eliminate any PMI payment at 20%.   It could be argued that if he pays a third of the monthly mortgage payment, that that would give him the same 50% equity stake on a 3.5% down-payment as he would get with a 20% down-payment.  The problem there is that then he is effectively subsidizing your monthly payment.  If he were to stop doing that for some reason, you'd have what is effectively a 50% increase in your rent.  It would be safer for you to handle the monthly payment while he handles the down-payment.   If you couldn't pay the mortgage, it sounds like he is in a position to buy out your equity, rent the property, and take over the mortgage payment.  If he stopped being able to pay his third of the mortgage, it's not evident that you'd be able to pick up the slack from him much less buy him out.  And it's unlikely that you'd find someone else willing to replace him under those terms.  But your brother could construct things such that in the face of tragedy, you'd inherit his equity in the house.  If you're making the entire mortgage payment, that's a stable situation.   He's not at risk because he could take over the mortgage if necessary.  You're not at risk because you inherit his equity share and can afford the monthly payment.  So even in the face of tragedy, things can go on.  And that's important, as otherwise you could lose your equity in the house."


Is it a tube television, digital, analog, what?  Tube televisions are no longer made in (or imported to) the U.S., and if it's an analog set then it would require a digital converter just for anyone to use it for watching broadcast signals, since analog television signals are gone and have been replaced by DTV.  That makes all the difference in the world as far as valuation.  If it doesn't have resale value to begin with then I doubt you can put a real value on it for donation purposes.


>It's not unlike Arthur Andersen. Once your name is tarnished in that kind of an industry, there's not really a road back.  I don't know. Arthur Anderson had multiple accounting scandals before Enron. The waste management scandal. I think companies like Enron wanted Anderson because they were willing to bend the rules and operate in the gray area. The thing that killed Arthur Anderson was not their sketchy auditing. It was their dipshit lawyer that went on a shredding Bonanza when it became clear that Enron would go down. A case of the coverup being worse than the crime.


"This is the best tl;dr I could make, [original](https://www.brookings.edu/blog/the-avenue/2017/08/03/u-s-immigration-levels-continue-to-fuel-most-community-demographic-gains/) reduced by 95%. (I'm a bot) ***** > The spread of immigration to more parts of the country, coupled with a renewed domestic migration from the Snow Belt to the Sun Belt, has given immigration a bigger role in contributing to migration gains or reduced losses among the 100 largest metropolitan areas.  > Among these 47 areas, 19 showed overall migration gains because their immigration activity exceeded their domestic migration losses.  > There are 12 areas that experienced both immigration and domestic migration gains but where immigration dominates.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6s3n0o/us_immigration_levels_continue_to_fuel_most/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~184962 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **areas**^#1 **domestic**^#2 **migration**^#3 **immigration**^#4 **immigrant**^#5"


I recommend investing in precious metals like gold, considering the economic cycle we're in now. Government bonds are subject to possible default and government money historically tends to crumble in value, whereas gold and the metals tend to rise in value with the commodies. Stocks tend to do well, but right now most of them are a bit overvalued and they're very closely tied to overvalued currencies and unstable governments with lots of debt. I would stick to gold right now, if you're planning on investing for more than a month or so.


don't panic yet, you never know what will come out of it. plus it sounds like it's your first interview. Most people don't land a job on their first interview. also get some confidence in yourself, you are already a head of the curve! you have your own business at a young age with a marketable skill set (assuming you actually have the skills). You'll be fine in the long run. success is just the result of learning from a long string of failures.


> Because the cost [in the past] was still going to keep most people out of university.  Trust me: anyone with excellent grades got in the university for free or almost for free back then. And if they had to take a loan, I doubt it, the costs of universities was much much less than today. No major debt.  > Finishing high school was never as hard as you suggest and didn't guarantee you any sort of job  There is no way, no way, that today's high school kids can pass math and English tests from 20, 30 or before that. No way!!!!  > Overall high school graduation rates in 1968 were 5% lower than they were in 2004.  Because there was discipline in 1968 and if you graduated, you really got education, discipline, manners, focus and the desire to work hard to get results.  Do you really believe that today's high schoolers will survive a 1968 high school? Yes or no?  **Do you doubt what I said that 30+ years ago you did not need a BA degree to get a job as a teller in the bank?**  In 1968, a warehouse worker could support a large family with the wife being a homemaker. Try it today. Am I right?  In 1968, with a BA degree, with almost no exception, you are guaranteed a very well paying job and excellent career prospects. Am I right?


Markets are rational in the long term. Actors act rationally given the knowledge they have. They don't have perfect knowledge - meaning they're prone to make mistakes. However, in the LONG run, every would be a equilibrium.   Facebook stock is clearly over valued and the market is adjusting to the real price. Nothing spectacular going on there.


When I went to the Audi dealer to talk to them about the A4, the guy was surprised. He said that most people in the US would rather have an SUV than a sport or performance wagon.   He totally got where I was coming from when I said an SUV wouldn't perform like an A4.   The A4 is a wonderful machine, but it's a bit out of my price range at the moment. If the Buick turns out to be crap, I'll save for a few years and get a proper performance wagon.


There is a trade-off. It can be worthwhile because you save those extra trips. (On the other hand, don't you need to go shopping all the time for perishable items anyway?) On the other hand, having those items on stock implies inventory costs (the space they take up might be limited, the money they represent is sleeping and cannot be put to other usage, some of them might break...). This trade-off gives you the economic order quantity. Your stock levels over time based on that would look like a saw-blade. In addition, you might want to keep a safety stock for emergencies (if you use them faster than expected, if there is a supply shortage...).


Not sure, as there's not a lot of info about projections in article, but this seems off. Report from Bloomberg is saying analysts revised down to around $49.0 billion.   [Bloomberg Report](https://ww.bloomberg.com/news/articles/2017-09-10/hurricane-irma-smashes-ashore-in-florida-as-category-4-storm)   Edit: the $49 billion figure is the revised estimate for Irma


"The key to this is budgeting. Without a budget, you don't know what you are spending your money on.  Let's say you would like to go to a movie with a friend.  Can you afford it?  Without a budget, it is difficult to answer this question.  Yes, you have enough money in your wallet, but if you don't go to the movies, you could be saving that money for a house.  ""But,"" you might say to yourself, ""surely one movie with my friend won't prevent me from saving my $10k for my house.""  And you might be right, but when you add up all the movies, coffees, and other discretionary spending up, it very well could.   At this point, you might be discouraged.  ""Do I seriously need to give up every single extravagance to make this work?  I don't have that kind of willpower!""  Luckily, here is where budgeting comes to the rescue. Budgeting is simply a plan for your money.  You have some monthly expenses that are more or less fixed: your rent, your utility bills, etc.  You have other expenses that are not exactly fixed, but are still necessary: groceries, fuel for your car, etc.  You also have longer-range expenses, such as insurance premiums that you only pay once or twice a year, but need to be accounted for.  List all of these expenses, and figure out how much that comes to each month.  What you have left over is available to you for other things. Next, you need to figure out how fast you want to save for this house, and balance that with the other things you might want to spend money on, such as entertainment.  If you start from $0 and want to save $10k, you could do it by saving $100 a month: in a little over 8 years, you'll have your $10k.  If you can increase this to $300 a month, you'll be there in less than 3 years. Now that you have a plan and everything is accounted for, very little willpower is needed.  You don't need to feel guilty every time you buy coffee; if the money is there in your coffee/snacks budget, go for it.  If you've got extra money for the month in your entertainment budget, take a date to the movies.  Your budget allows you to spend on those things, because you have a plan in place, and are not in danger of spending your rent money or your home savings. This can all be done on paper, in Excel, or even by placing cash in different envelopes.  However, it is easier to use budgeting software, such as YNAB, Mvelopes, or EveryDollar."


"Ok. Since you can't give even one simple example, then I will stick to my point that you don't need a whole semester course about ""diversity"".  Since you study business, probably your marketing class should and would teach you ""engaging diverse collegues and customers."""


I get a subscription to WSJ through work and I use it everyday.  What is the price of the subscription though?  I find it useful and Barrons has a lot regarding business and the stock market.  A lot of professionals have subscriptions to the WSJ.  I prefer the WSJ over other services and I really like the market data they provide.


Do you want to retire?  If so, when?  How long do you expect to live?  How much per month in today's dollars do you want to have at your disposal when you reach that age? Once you've answered those questions, then you'll be in a better position to say whether you should be disappointed or not.  But the fact that you don't know indicates that you haven't looked into these questions yet.


Why is the regulatory environment now more uncertain than any time in the past?  It isn't.  Companies are keeping large cash reserves because there is no DEMAND for their products.  If people wanted to buy, the companies would be making and selling.


He is the absolute outlier there, then. Investment banks like Goldman are notorious for everyone who works there putting in 100+ hour weeks. That work may not all be intellectually challenging, but I don't know what your friend expected from an entry level role. They're not going to be entrusting an entry level trading analyst to be doing anything important at all. Your friend probably made slide decks for 80-120 hours a week. Not intellectually challenging at that level, but physically brutal. An intern literally died a few years ago from being overworked.   The intellectual challenge likely does not come until you reach a higher rung in the company, which I guarantee he did not do in 2 years. But ask him about the hours he put in at Goldman.


> Why is it so hard for people to shed their partisan blindfolds and embrace this simple fact: if you pay the middle class and the poor less, there will be less internal demand. It's basic economics, basic arithmetic really.  Since when long-term thinking overrides short-term profits?  You must be a communist!!!


""" a C19th disease""  - no, it isnt, it;s here and now just like a million and one other diseases - yeah, it's shit, sure we could do more to address it (though tbqh as a % demographic it's not THAT bad compared to plenty of other diseases), but stop appealing to the past 'The Guardian' to make things seem worse."


Most cooperative banks are insured upto Rs 1,00,000/- .  It depends on what is the current status of the Bank and withdrawal of the funds would be based on the decision taken by the administrator. There maybe no interest payable, it would again be decided by the administrator.


Like a lot of people have said you get what you put in. If you want a 9-5 you can have that but the pay reflects it. I took a job just over a year ago, the money was good but the hours were tough. My longest shift was 27 hours, it formed part of a 64 hour Friday morning to Monday morning weekend.  But the long hours and the dedication I showed meant that I could turn down a 34% pay rise 6 months in and negotiate for 43%. That project finished, I'm down to a 45 hour week and I've still got the pay. You just have to work out if it'll get better down the line or if it won't how long you can handle it


"The only time to stop saving money for retirement is when you have enough money to retire tomorrow. Not all of your ""retirement savings"" need to be in a 401k, it is just better if you can. Be sure to get as much as you can from the employer matching program.  Unfortunately some employer matching programs discourage you from putting in too much.  I've been able to max out the 401k contribution a number of times, which helps. Remember:  you are likely to live to 100, so you better save enough to live that long.  I don't trust social security to be there.  I recommend saving so that you end up with ""enough to be comfortable"" -- this is usually about 25x your current income - PLUS inflation between now and when you plan to retire (age 62 is a good target). It is worth knowing your ""retirement savings number"".   If you are making $100K per year now, you need to target $2.5M - PLUS allowance for inflation between now and when you plan to retire. This usually means you need to also arrange to make more money as well as save as much as you can and to use passive investing.  Finance advisors are not worth it if you have less than $1M to invest."


I brought my car in to sears auto because the oil light came on after they had put in a new oil pressure sensor a month earlier. I assumed it was faulty so I brought it up. They checked it out after taking their sweet time about it and gave me a bullshit diagnosis. Ultimately I had to tell them exactly what to do to fix it, which they had to bring in a manager to give them the okay for, and I was right. Also, it took 6 hours when it should have taken 1 or 2 for the part to come in and install (not a busy day by any means either). I stood by them to make sure they did it properly because they had two 16 or 18 year old kids working on it.   Another time I went in to buy an impact driver and a few other tools. No one came up to ask if I needed help, and when I brought everything to the register, there was a line of 10 people and 1 cashier. It was a saturday afternoon, so traditionally a busy day.  Sears is a disappointment and I wouldn't mind if they close the one by me.


Are we nuts?  Seems to me we should not be exporting until we become self sufficient.  I'm sure the oil companies are making more money by doing this.  Our government probably considers this as foreign aid.  They have always given away what we should be doing for Americans first!


Fluids, tires, spark plugs, bulbs, fuses, belts, and so on.   If anything breaks on my car I can find a million places with spare parts, can get then overnighted or picked up. No problem. If I have a mechanical issue I can bring it into just about any mechanic and they can fix it. Not really something you can say about any Tesla vehicle


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-06-18/amazon-said-to-plan-cuts-to-shed-whole-foods-pricey-image) reduced by 73%. (I'm a bot) ***** > When Amazon.com Inc. completes its acquisition of Whole Foods Market Inc., Chief Executive Officer Jeff Bezos will try to keep the grocer&#039;s reputation for premium fresh foods while cutting prices to shed its &quot;Whole Paycheck&quot; image.  > Amazon expects to reduce headcount and change inventory to lower prices and make Whole Foods competitive with Wal-Mart Stores Inc. and other big-box retailers, according to a person with knowledge of the company&#039;s grocery plans.  > Drew Herdener, an Amazon spokesman, said in a statement the company has &quot;No plans to use no-checkout technology to automate the jobs of cashiers at Whole Foods and no job reductions are planned.""   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6i5csb/amazon_said_to_plan_cuts_to_shed_whole_foods/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~147672 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **food**^#1 **Amazon**^#2 **Whole**^#3 **price**^#4 **plans**^#5"


"Couple of things to make sure you have going for you since you are not at a target school are as follows:  1. Make sure your GPA is amazing and if it isn't make sure you are in 3-4 professional organizations (not just join them, get involved).  2. Make sure you know technicals and how to talk about them, VERY IMPORTANT  3. Start applying to internships at all of the banks, Big 4 Accounting, PE, fund account firms in the city (there are many). You have to get an internship this year and next year, the more the better. get summer/fall/spring internships.  4. Network with any and every person you know in IB, working in M&A, working for IB shops, working for PE shops, other finance alumni.  5. Do more networking, find out if there are any networking events, conferences, meet and greets, charity events, NFP events (there are a lot, just need to find them). Don't bombard people with the ""I'm at DePaul in Finance and want to be in IB."" story line, perfect/hone/practice/perfect your elevator pitch. Remember, you don't need to tell why you need a job, you need to tell them why they need you to make money.  6. Find some industries that might interest you (and are valuable) and learn them. Learn the technicals to solar energy or some emerging markets.  PS: I know you want to make a shit ton of money, but you'll fail in IB if that is all you want to do because the guys that get these roles love the job because of the chase and the deal. They fundamentally understand the markets they work in on another level, they make themselves valuable to the firm they work for. I think you should dive into what IB is first."


To build a $100M business, you need to become a 0,1% of Airbnb size and wait until it grows by ~3 times (assuming its $31 valuation) or goes down. And you will go down together. To much risky be any platform dependent, huh?


Where in Central PA? I frequently take a bus to visit East Coast cities but it is usually a local Susquehanna Trailways coach. They rarely do trips to Pittsburgh or Philadelphia so I still need to drive to those cities. I would like to see Megabus make a stop in my city.


"This is why I don't care about ""sales"" and ""sale price.""  My thought process goes ""Compared to everything else I've seen is this a good price?""   for example, a super high quality leather jacket could go for $3-400+ if the sale price on a similar leather jacket of similar quality is $50 I consider that a good price."


In most cases the rent paid by the company would be include as part of your salary for tax purposes, so your income would still be seen as $5000 per month.


And that is no enforce what-so-ever since they can't test meat to determine if it has EVER been given antibiotics and on top of that much of the US drinking water if full of all types of chemicals including antiobiotics. The cows aren't being given troughs of Fuji spring water.


Netgear extenders are used to expand the range of the main router’s network. If you get any issues while the setup through mywifiext.net web address, take help from the support team, available 24/7 in your service via live support window.


In general, how does a large open market stock sale affect prices? A very general answer, all other things being equal, the price will move down. However there is nothing general. It depends on total number of shares in market and total turn over for that specific shares. The order book for the day etc. What is the maximum percentage of a company you could sell per day before the trading freezes, and what factors matter? Every stock exchange has rules that would determine when a particular stock would be suspended from trading, generally a 10-20% swing [either ways]. Generally highly liquid stock or stock during initial listing are exempt from such limits as they are left to arrive the market price ...  A large sell order may or may not swing the price for it to get suspended. At times even a small order may do ... again it is specific to a particular stock.


Russ Krivor Russ and Igor Krivor are brothers who started DLC Residential in 2005. As early as 2004, the Krivor brothers noticed that there was a growing need for single-family homes in Miami, Florida. This knowledge quickly turned into a business as they began to help investors grow their wealth through real estate. Igor and Russ Krivor change their business model based on what is most likely to yield real returns for their investors.


There's only one tape so far as I know. Some high-power Americans figure this woman should be booted. Eric Kraus works for Bloomberg and he indicts her too. Obviously you didn't click the Kraus introductory link.  Business, including American business, doesn't want these sanctions: bad for business.


This site shows a list of (mostly) industrial uses of gold:  http://geology.com/minerals/gold/uses-of-gold.shtml If you ignore the first two uses, jewelry and coinage, there remains aerospace, computers, electronics, dentistry and medicine. It's worth noting that gold comes in the same chemical family as both copper and silver, meaning that gold can serve most of their uses, although not as well.


i think and what i understand when a house seller is asking for cash, thats means he is looking for a ready and quick buyer doesn't rely on mortgage and its long process. cash means a certified check for sure, but not physical money in suitcase!


Lol that's what you think buddy, my portfolio is flawless. It's doesn't take a scientist to be a good broker but someone who has information, I have nothing to prove to you because you are no one, just someone on reddit. It's nice you read my post, guess I got you pretty upset. It's funny because you don't know what I have available for myself in the finance industry. You read post about me that seem like idk what I'm doing that's because I'm thinking 2 steps ahead while you stand still. Like I said you are no one, even if I showed you my portfolio and proved you wrong everything would still be the same so why share stuff that I know that you don't? If you do not get where I'm coming from then you are a very bad businessman.   Oh and another thing because I got into mba program right out of college, that makes it a bad one? Didn't know pace university was a bad mba program lol. You gave me a opportunity to prove myself? Dude.. It's reddit not a interview.


My answer is a combination of the the one from Aaron and Joe. The IRS used to have a December 31st deadline for when the procedure needed to be done. They extended it a few years ago to cut down on the number of people buying glasses between Christmas and New Years. There is an even later deadline for submitting the paperwork. Check the documents for your plan. Some will have a way for you to specify which plan year to use. They will also specify how they handle ones during this overlap period for expenses automatically submitted by a Doctor or Pharmacy, or when using the special credit card they give you. Ask them how they address splitting it between the old and the new plan year.


"Not really.  They didn't account for the fact that the income would first be spread out over 8 billion people.  I don't know if anyone in Keynes time was thinking about dozens of industries closed in America and moved directly to China.  Had you suggested that to them I think they would have thought it ridiculous but that is in fact what happened.  Also, theories on trade suggest that it makes everyone better off.  So if you ask any economist at any given point if more free trade is better they will probably say ""yes"".  That was all fine until about the 1980s when computer networks made it possible to globalize supply chains.  Suddenly vast CAD/CAM systems sprung up and suddenly you could pay a worker a $1 a day to do what someone in the US was getting $45 an hour to do.  The economics of it for corporations were absolutely irresistible and they lobbied hard to make sure noting got in the way (note that free trade pacts passed under both parties).  In order to mask the fact that this was happening a giant credit bubble was created in the developed world using the newfound savings of the developing world.  Living standards were temporarily maintained in developed countries by borrowing money from the people they had sent their jobs to.  The effects of this are all pretty clear.  Most developed nations are now burdened under a mountain of debt.  Central banks are having a difficult time maintaining enough liquidity to support the illusion of buying power in developed nations that is no longer present without enormous artificial support.  Many Americans alive today cannot even remember a time when America's current account deficit was not deeply in the red.  So far the only thing propping up developed nations is the use (and threat of use) of vastly superior military force.  That hasn't really changed but every day the developing nations encroach a little bit more on the resources of the world for consumption rather than just production.  As that happens the hollowed out shells of the developed world start to feel more and more pressured as they come to realize they really don't have much of value to trade.  America's biggest exports are food and services.  Food is surely important but one farmer can farm like 100,000 acres.  And services just means we can export the time of a Wall Street douchebag at a high rate of pay.  yippee."


"A trick that works for some folks: ""Pay yourself first."" Have part of your paycheck put directly into an account that you promise yourself you won't touch except for some specific purpose (eg retirement). If that money is gone before it gets to your pocket, it's much less likely to be spent. US-specific: Note that if your employer offers a 401k program with matching funds, and you aren't taking advantage of that, you are leaving free money on the table. That does put an additional barrier between you and the money until you retire, too. (In other countries, look for other possible matching fundsand/or tax-advantaged savings programs; for that matter there are some other possibilities in the US, from education savings plans to discounted stock purchase that you could sell immediately for a profit. I probably should be signed up for that last...)"


Real estate is not an investment but pure speculation. Rental income may make it look like an investment but if you ask some experienced investor you would be told to stay away from real estate unless it is for your own use. If you believe otherwise then please read on : Another strong reason not to buy real estate right now is the low interest rates. You should be selling real estate when the interest rates are so low not buying it. You buy real estate when the interest rate cycle peaks like you would see in Russia in months to come with 17% central bank rate right now and if it goes up a little more that is when it is time to start looking for a property in Russia. This thread sums it up nicely.


I've seen credit cards that provide you your credit score for free, updated once a month and even charted over the last year.  Unfortunately the bank I used to have this card with was bought and the purchasing bank discontinued the feature. Perhaps someone out there knows of some cards that still offer a feature like this?


The best thing to do is pay off the car. Adding more variables to a negotiation with a car dealer (in this case, a trade in), is always going to go in their favor. This is why people recommend negotiating a price down first, before ever mentioning to the dealer you want to do a trade in or financing.


If you don't have to pay a large chunk of people money, you may be able to lower prices to get more customers, so in some regards they could compete but you're probably right - walmart is so damn cheap


"It won't hurt your credit score, but it may hurt your ChexSystems score. ChexSystems is another consumer reporting agency that doesn't keep track of your debts, but of your bank accounts. Banks (most but not all) check ChexSystems before you open an account to see if you bounce checks, overdraft, make a lot of teller visits, lose ATM cards, etc. They use this to estimate your profitability. Banks aren't allowed to discriminate against a protected class, but ""unprofitable"" is not a protected class. BTW, most banks don't make much money on checking accounts; they view them as ""get-you-in-the-door"" inducements so they can sell you the things they really want to like mortgages and investments."


There are markets in which there isn't a lot of choice to enable downward price pressure, like drugs and healthcare.    Also, consolidation always results in reduced consumer choice and, sooner or later, increased prices.  That's a big part of why they do it.   In healthcare in the US, there is huge consolidation among specialty practices in order to force insurance companies to pay more.  E.g, every pulmonologist and allergist in a 30 mile radius from here was bought by the same practice, so now the HMOs are forced to pay the rate this practice dictates.  No small practices have started here in the past 20 years; all the new MDs just join the big existing practice in order to fill any increased demand.  These practices often pick and choose which insurers they will work with, and they don't take medicare.  But this is one example of how markets get demented and harmful (lethal) if not regulated; there are many others.


I think sometimes this is simply ignorance. If my marginal tax rate is 25%, then I can either pay tax deductible interest of $10K or pay income tax of $2.5K.    I think most americans don't realize that paying $10K of tax deductible interest (think mortgage) only saves them $2.5K in taxes.  In other words, I'd be $7.5K ahead if I didn't have the debt, but did pay higher taxes.


Seattle's unemployment rate is 3.1%. This has been pretty flat for years and falling some over the past year.  The authors finding of 5000 unemployed, which would cause an increased unemployment rate of 0.7%, is inconsistent with unemployment rate and methods used by other studies.  I am very skeptical that this paper using new, untested methods, which get a different result then two other methods, is showing a real effect.


Yeah, and the Constitutional Scholar in the White House.  You seem to have a skewed view of the gubmint workforce.  >I mean, the list of highly skilled government jobs just goes on and on.  *And they're all unionized!*  Worthy only of mockery, you shall e laughed at for the next 2 seconds.


"Ya it's not really young ""modern"" people buying these houses. I personally believe it's immigrant students, who use their parents money (as a sort of bypass), or just younger people who have rich parents, or get help from their parents. A lot of older people are still buying houses as well. It's quite a stupid landscape, from an economic perspective it's very inefficient, but that's not an issue that directly effects me, or that can easily be fixed. The cheapest you can find a ""decent"" house that I know, is about 2-3 hours north of the city, for around 500k. It's just a different lifestyle; you wouldn't be commuting downtown anyway, but it depends on the person and the job"


I'm pretty abnormal, because I actually strongly supported/support the War in Afghanistan, and am ambivalent towards the war in Iraq because I strongly value that Saddam was deposed.  That said, you are right.  It's crazy that these engagements are still continuing.  Nothing really changes that much.


"Some people have this notion that withdrawing dividends from savings   is somehow okay but withdrawing principal is not.  Note, this notion. Would someone please explain the ""mistake"" on P214 and why it's a   mistake? Because there may be times where withdrawing principal may be a good idea as one could sell off something that has gained enough that in re-balancing the portfolio there are capital gains that could be used for withdrawing in retirement. How and why does the sale of financial instrument equate to the   receipt of dividends?  In either case, one has cash equivalents that could be withdrawn. If you take the dividends in cash or sell a security to raise cash, you have cash. Thus, it doesn't matter what origin it has. If I sell a financial instrument that later   appreciates in value, then this profit opportunity is lost. In the   case of a dividend, I'd still possess the financial security and   benefit from the stock's appreciation? One could argue that the in the case of a dividend, by not buying more of the instrument you are missing out on a profit opportunity as well. Thus, are you out to make the maximum profit overall or do you have reason for taking the cash instead of increasing your holding?"


"This is the best tl;dr I could make, [original](https://www.ceps.eu/publications/why-are-central-bankers-shifting-goalposts) reduced by 87%. (I'm a bot) ***** > Given its comfortable position today, it is difficult to explain why the ECB is continuing unconventional monetary policy measures, such as negative interest rates or QE. The theme of this year&#039;s meeting of the world&#039;s central bankers in Jackson Hole, Wyoming, had little to do with monetary policy.  > Central banks are made independent precisely because it is understood that they are accountable for achieving their own objective of maintaining price stability, regardless of the economy&#039;s underlying growth rate.  > In 1999, a core inflation rate of around 2%, combined with unemployment below 5%, justified a federal funds rate of 5%. Today, the Federal Reserve has kept its benchmark rate below 1.5% - 350 basis points lower than in 1999 - and has postponed any reduction in its bloated balance sheet.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6z2pql/ceps_why_are_central_bankers_shifting_the/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~207107 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **rate**^#1 **policy**^#2 **today**^#3 **inflation**^#4 **monetary**^#5"


Most basic tip:  Don't go to the grocery store hungry. What we do to minimize food waste: On Sunday when my wife and I go grocery shopping, we figure out what meals we are going to have for dinner that week, and we only buy what we need for those meals. We also try to decide in advance what night(s) we are going out for dinner. For example, we know we have to take the in-laws out for dinner on Wednesday, so we don't buy a dinner for that night. As part of our weekly planning, we figure out the lunches we will take to work based on our dinners.  For example, if we plan to make a big pot of pasta for dinner one night, we know we'll have leftovers for lunch, so we won't buy a lunch for the following day. Basically, we try to match our food purchasing to our food consumption. During the week, we generally try to cook the dinner that uses the most perishable items first.  If we buy seafood, that will be Monday night's dinner.  The frozen pizza can wait until the end of the week. My wife an I both have to deal with the occasional unexpected late night at work, which can mess up our cooking plans.  As a result, it is not uncommon for us to be too tired to cook, so we skip a dinner.  It is less wasteful to do that with something frozen/preserved. Also, we try to consider cooking time vs our work schedule.  We don't pick a complex dinner for a night that we know in advance will be a long work day.


Investments are always a safe bet after they've proven themselves.   If you (or anyone else) would have been so sure about Tesla's success, you'd mortgaged your house, emptied your 401k and maxed out your cards in order to buy stock. But throughout its life, Tesla has looked like a coin flip, and therefore regretting not having invested in it is useless.   For the record I got in at $24, sold at $92, got in at $150 again, sold at $192, got in again at $210, sold at $290 and now am short through puts at $375. I was fairly confident it would do well, but I never put more than 5% of my portfolio on a single stock because being confident is not being certain.


Discipline. If you have to have a hard limit on your account that prevents you from spending - credit cards are not for you. If you can discipline yourself not to make purchases in excess of your budget even if the plastic technically allows it - then you can go on using the credit card. Make sure to stay on top of your spendings by frequently checking your current activity on the card (on line, don't wait for statements), and making sure you're below the limit you have set for your budget. Mint.com visualizes your spendings and shows where you are with regards to your preset budgets on various types of spendings, you should consider using it as an aid.


I have never used Square, but my understanding is that they charge a premium for their services.  Basically, because you get this nifty smartphone pluggable credit card swiper, you end up paying more than the alternate options.  Granted I am in no way knowledgeable of the alternates (as in, mobile credit card machines?), but I assume they aren't as easy to set up.  When it first came out, one of my buddies decided that he would accept payments from friends via Square (for beer, meals, concert tickets, gas, etc), and I remember reading that it charges a flat fee plus variable cost, which I thought was a rather silly cost to be incurring.  Maybe that has changed?  Basically, Square sounds almost to good to be true, but I'm not a small business owner dealing with credit card transactions, so you probably shouldn't listen to me.


With 285k viewers.  The news here is that infomercials for hair-tonic and shake weights pull down better numbers.  If Dobbs is winning with those numbers the category has been specially crafted to give that idiotic crank a participation trophy. Might as well give me an award for spending the most hours on my own toilet.