As many people here have pointed out, a CFD is a contract for difference. When you invest in stock at eToro, you buy a CFD reflecting a bid on the price movement of the underlying stock, however, you do not actually own the stock or hold any rights shareholders have. The counterparty to the CFD is eToro. When you close your position, eToro shall pay you the amount representing the difference between your buy and sell price for each stock.  I suggest you read the following article about CFDs, it explains everything clearly and thoroughly: http://www.investopedia.com/articles/stocks/09/trade-a-cfd.asp#axzz2G9ZsmX3A As some of the responders have pointed out, and as is mentioned in the article, a broker can potentially misquote the prices of underlying assets in order to manipulate CFDs to their advantage. However, eToro is a highly reputable broker, with over 2 million active accounts, and we guarantee accurate stock quotes. Furthermore, eToro is regulated in Europe (Germany, UK, France, etc.) by institutions that exact strict regulations on the CFD trading sector, and we are obligated to comply with these regulations, which include accurate price quoting.  And of course, CFD trading at eToro has tremendous benefits. Unlike a direct stock investment, eToro allows you to invest as much or as little as you like in your favorite stocks, even if the amount is less than the relevant stock price (i.e. fraction stocks). For example:  if you invest $10 in Microsoft, and on the day of execution eToro’s average aggregated price was $30 after a spread of 0.1%, you will then have a CFD representing 0.33 stocks of Microsoft in your eToro account. In addition, with eToro you can invest in stock in the context of a social trading network, meaning that you can utilize the stock trading expertise of other trader to your advantage by following them, learning their strategies, and even copying their stock investments automatically. To put it briefly, you won’t be facing the stock market alone!  Before you make a decision, I suggest that you try stock trading with an eToro demo account. A free demo account grants you access to all our instruments at real market rates, as well as access to our social network where you can view and participate in trader discussions about trading stocks with eToro, all without risking your hard earned money. Bottom line – it’s free, there are no strings attached, and you can get a much firmer idea of what trading stocks with eToro is like. If you have any further questions, please don’t hesitate to contact us through our site: www.etoro.com.


"I think this quote from the article sums things up really well:  > ""No one who knows anything about budgeting would take a 30-day change to have any meaning at all. There is no credit to take, because it's like noticing that rainfall numbers from one month to the next are not exactly the same or that attendance at baseball games is not a constant number.""  A claim by Trump is not the same as a claim about Trump.  As a reminder, his claim was:  > Trump tweeted, ""The National Debt in my first month went down by $12 billion.""  And this is the claim that has been rated Mostly False.  A claim **by** Trump."


I am an independent liberal.  Therefore, Donald Trump would be the last person I would praise.  However, working in tech; I now see companies offering U.S. employees substantially bigger paychecks.  I don't know what the exact cause of this is; but, I can safely assume that this so called brain drain must be very limited.


The main Part of this strategy is to get as much money as possible into the policy and then take policy loans ever year. As long as you don't withdraw too much too fast you can take a loan each year that is tax free and then once you die your beneficiary still receives the face value of the policy less any outstanding  loans tax free.


This is what I suspect. When you get close to a border, the signal will bounce back and forth between the two countries. But roaming in a country you are not in denotes something else is going on. I know towers can be spoofed, but I'm not sure how this would work.


"The point of the enrollment penalty is basically the same as the ACA penalty.  Any sort of health insurance - or really, any insurance - is funded by creating a risk pool of high and low risk people and pricing it so that the overall payments cover the total risk.   That means, however, that on average the low risk people end up paying more than their share - more than it would have cost them, without the insurance, excepting any provider agreements to charge less (which is significant in the health insurance business).  (Of course some of them do end up using more than they pay - but not on average, assuming the risk was calculated accurately.) While there isn't really a completely low risk pool in Medicare, there is a significant difference in utilization (=cost) between younger (65-70) and older enrollees.  As such, for many health 65 year olds, it would be beneficial to not enroll in Medicare right away - delay a few years, if they're fully healthy, and wait until they are less healthy.  Since Medicare won't turn you away for pre-existing conditions, that's a risk some would take. In order to accommodate for that, Medicare effectively says, ""If you didn't help subsidize the costs of the high users when you were younger, you need to pay more to make up for that fact"" - hence the enrollment penalty.   The New York Times explains this in part in a 2006 article discussing Part D (which was new that year, and has a similar penalty): The purpose of the late enrollment penalty is to encourage people to   sign up as soon as possible, before they have significant drug costs."


"I would like to buy hubby a beer and talk some sense into him.  Do you have 2 years gross income saved as your retirement balance? That's about where he should be at age 30. I wrote about this in an article Retirement Savings Ratio.  Blowing the 401(k) for anything less than an extreme emergency is downright foolish.  The decision whether to roll it to an IRA or the new account isn't so simple. If you roll it to new plan, yes you can borrow, up to 60 months at a low rate, 4% or so. Taking the cash and then making an IRA deposit just means paying the penalty for nothing, unless you manage it just right, depositing the amount within 60 day, etc. You don't mention what he wants to do with it. You need to sit down and have a long ""money talk.""  Keep in mind, if you oversave, it's easy to retire early, or at 50 just stop saving, spend every new dime. But it's something else to turn 50 and realize you will have to work till you die. I've seen both situations. (I am 48, the Mrs, 54 our multiple is now 13. The target is 20 to retire. The house is not counted as it can't be spent. The mortgage IS counted as it must be paid) Edit - as I read this again, I see the OP asked about opening an IRA in the same year they withdraw the 401(k) and pay tax and penalty. Wow. I also see her user reverted to generic, which means, I think, she's never returned. I hope they made the right decision, to keep the money in retirement accounts. Hubby never even said what he wanted the money for."


If you buy a townhouse, you often are in a condominium arrangement in the US (when you're really in a rowhouse in particular).  So that's a downside right away: you have to have a HOA, or at least some sort of common agreement, though it might not have formal meetings.  Everyone who owns an interest in the entire group of townhouses gets some say in landscaping and such. Beyond that though, townhouses (and similarly, condominiums) are often easier to own (as they don't have as much maintenance that you have to do), but more expensive because you pay someone to do it (the landscaping, the external repairs, etc.).  You likely don't have as much control over what the external looks like (because you have to be in agreement with the other owners), but you also don't have to do the work, unless your agreement is to collectively do the mowing/landscaping, which you should know in advance.   I wouldn't underestimate the value of easier, by the way; it's very valuable to not have to deal with as many repairs and to be able to go a week without thinking about mowing or watering.  In that sense it can be a nice transition into ownership, getting some-but-not-all of the obligations.  But if that's something you really value, doing the landscaping and mowing and whatnot, that's relevant too.  You can always tell your realtor to look for townhouses where the owners do some/all of the landscaping, though that opens up a different can of worms (where you rely on others to do work that they may not do, or do well). They're also somewhat noisier; you may be sharing a wall (but not necessarily, air-gap townhouses do exist) and either way will be closer to your neighbors.  Does noise bother you?  Conversely, are you noisy?  In a college town this is probably something to pay attention to. Price wise, of course stay well within your means; if being close to the city center is important, that may lead you to buy a townhouse in that area.  If being further out isn't a problem, you'll probably have similar choices in terms of price as long as you look in cheaper areas for single family homes.


"Coins are legal tender. They're authorized by governments and have a face value. Rounds are simply coined pieces of metal minted by private manufacturers. They do not have any face value and are not legal tender. Rounds are used to own metal, they have no value other than the value of the metal in them. Any premium you pay over the price of the metal is the mint's profit. Coins are also used as bulions (i.e.: to own metal and create profits for the government), but many times coins have limited issue and become valuable because of the rarity, specific issues with a specific coin (mistakes, impurities, exclusive designs), etc. So they also may have some numismatic value (depends on the specific coin). Coins also have the assurance of quality of the authorizing government (and fakes are dealt with by the law as forgery of coins is illegal and is a crime), rounds however do not enjoy such protection, and any one can mint them (only copyright/trademark protections apply, where the enforcement is by the owner and not the government). Re the advantages - coins (if you pick the right ones...) appreciate much more than the metal. However, this is mostly in hindsight, and most of the ""bulion"" coins do not appreciate significantly beyond the price of the metal unless there's something else significant about them (first year of issue, high quality certification, etc). Rounds on the other hand are cheaper (1 oz round will be significantly cheaper than 1 oz coin), and monitor more closely the price of the metal. It is unlikely for rounds to significantly deviate from the spot price (although this does happen occasionally, for specific designs or if a mint goes out of business)."


Saving for college you have a couple of options.  529 plans are probably the best bet for most people wanting to save for their kids college education. You can put a lot of money away ~$300k and you may get a state tax deduction. The downside is if you're kid doesn't go to college you may end up eating the 10% penalty. State specific prepaid tuition plans. The upside is you know roughly the return you are going to get on your money. The downside is your kid has to go to a state school in the state you prepaid or there are likely withdrawal penalties. For the most part these really aren't that great of a deal any more.  ESAs are also an option but they only allow you to contribute $2k/year, but you have more investment options than with the 529 plans. Traditional and ROTH IRA accounts can also be used to pay for higher education. I wouldn't recommend this route in general but if you maxed out your 401k and weren't using your IRA contribution limits you could put extra money here and get more or really different flexibility than you can with a 529 account. I doubt IRA's will ever be asked for on a FAFSA which might be helpful. Another option is to save the money in a regular brokerage account. You would have more flexibility, but lower returns after taxes. One advantage to this route is if you think your kid might be borderline for financial aid a year or two before he starts college you could move this money into another investment that doesn't matter for financial aid purposes. A few words of caution, make sure you save for retirement before saving for your kids college. He can always get loans to pay for school but no one is going to give you a loan to pay for your retirement. Also be cautious with the amount of money you give your adult child, studies have shown that the more money that parents give their adult children the less successful they are compared to their peers.


Have you been to any cities recently? We're having a housing crisis in NYC because wealthy people are flocking here from all over the world driving up prices. Crime rates are hitting 50 year lows so often they don't even announce it anymore. You're describing the state of things 30 or more years ago.


>Don’t have anything to point out? Just say something like, “I’m not sure what these numbers mean,” and sit back. You’ve bought yourself almost an entire meeting of appearing smart.  I just explained the numbers :( Please don't make me explain them again.


This is why minimum wage has not gone up.  Its a fallacy way of thinking.  - Your business will be required to do one of 4 things.  Raise prices, fire employees, remove pointless expenses, or you take a hit.  More than likely you will attempt to do situation 1 because you need all your employees you currently have.  If you could work with less employees as a business owner you would of already had done that.  The next part is you will find things that are pointless.  Why are you paying for a certain type of yeast when you found out you can get the same type from someone else cheaper.  Finally you may have to take the hit to yourself.  The market will balance itself out.  HOWEVER this is the big part people dont understand.  The larger companies like to dick people over as much as possible.  You think walmart which already uses illegal workers on their farms nad has everything made in china is going to raise prices the exact same amount?  Of course not.  They will raise prices but nothing like that, and the only people who will be hurt is the companies profit sheets, and the ceo pay.  That is nothing that will ruin a company.  Furthermore that person who was making around 7 dollars an hour will have a higher income to spend and instead of purchasing crap bread from walmart they will now splurge sometimes and purchase higher end bread from bakeries such as yourself.  I think people dont understand that companies will do, and always hve done, everything they can to save money.  Walmart will have no choice but to either raise prices or not make as large of a profit as they once made.  The company wont fail, the economy will also continue, but the wealth is now going to spread out more.  I wish i could make more people understand this, but alas they will believe that you cant raise prices because it will ruin the economy.  Whats ruining the economy is actually letting the min wage stay so low.  It basically turns most people into indentured servants because they can barely afford to live.  Does that make sense?


What?!  Did you read my comments about verifying information?  You have turned it into vilifying sources.  If we want to vilify sources, just take a look at the crap the news pulls every day.  The other day I was watched big an interview on Fox News that asked,”How will the Republican Tax Break affect students?”  The guy responded about how he wants to help students but never once mentioned how the Tax Breaks would affect them.  The interviewer never called him on it, and moved on as if the guy had answered the question!  At least comedy doesn’t pretend to care.  I voted for who I wanted, and I didn’t vote for Hillary and Trump.


You're licensed to sell investments. You could get a job at a broker or RIA. You can sell stocks bonds funds annuities and work for a fee based ria in sales. You're technically licensed to give advice on investments but without at least some academic expertise in finance I would avoid it. Helpful?  edit: you don't need securities licenses to work in a bank. you'll be selling loans which is regulated differently.


Disregarding leverage and things alike, I would like to know what's the difference between opening a position in Forex on a pair through a broker, for example, and effectively buy some currency in a traditional bank-to-bank transition The forex account may pay or charge you interest whereas converting your currency directly will not.  Disregarding leverage, the difference would be interest.


Automation is different than mechanization. Before we replaced physical labor with machines, soon we will replace mental labor with algorithms. I do believe it will ultimately create a better society for everyone, I just see it being a bumpy road getting there. Right now humanity already has enough money and resources to feed everyone on the planet and give them all health care and education. Every single person. The problem is all those resources are locked away by the 0.01% of people who own all the wealth and isn't circulated in the economy. With automation, the problem will get even worse unless we do something about it. Imagine mega corporations that literally run themselves, only benefiting the owners. It doesn't look pretty


You must not be from around these parts.  AT&T & Verizon have really done an excellent job at nothing.  I mange 25 lines for the company I work at.  having that many lines, I see some fun things.  We have at times been with both AT&T, Verizon, and T-Mobile.  Of the 3 only T-Mobile has the honor of more than 3 consecutive months without a billing error.  Infact our 2 years with T-Mobile, there was only 3 billing errors.  AT&T had errors monthly, Verizon was as bad.  Signal, of course varies from one local to another, but here all 3 suck the hind tit.  I have nothing from my experience with AT&T and Verizon that I could say positively about the quality of the service.


Policy aimed at promoting economic opportunity for poor children must be framed within three stark realities.   **First, many poor children come from families that do not give them the kind of support that middle-class children get from their families.**  **Second, as a result, these children enter kindergarten far behind their more advantaged peers and, on average, never catch up and even fall further behind.**   **Third, in addition to the education deficit, poor children are more likely to make bad decisions that lead them to drop out of school, become teen parents, join gangs and break the law.**  **Let politicians, schoolteachers and administrators, community leaders, ministers and parents drill into children the message that in a free society, they enter adulthood with three major responsibilities: at least finish high school, get a full-time job and wait until age 21 to get married and have children.**  https://www.brookings.edu/opinions/three-simple-rules-poor-teens-should-follow-to-join-the-middle-class/


There is no issue - and no question - if you get married.  The question is only relevant in the event that you go separate ways.  Should that happen, you imply that you would want to refund whatever amount your girlfriend has paid toward the mortgage. The solution, then, would seem to be to exempt her from any payments, as you will either give that money back to her (if you break up) or make her a co-owner of the condo (if you get married).  If you actually need her contributions to the monthly nut, you could give her a written agreement whereby you would refund her money (plus interest) at her discretion.


I think you are having trouble understanding what 'liquid' means. Liquidity refers to how easily an asset can be converted to cash. More liquid = more easily converted to cash, less liquid, less so. Any kind of exit load is going to make an asset less liquid due to the penalties associated with making the sale. So, the whole point of liquid funds is to give people the option of selling quickly if they need to. Since an exit load is meant to discourage this behavior, liquid funds tend not to have one. The point isn't what the financial institution 'gets', it's about offering a service to clients with a particular investment need.


Well, you should have something that you are passionate about, but you don't necessarily need to choose a coverage right away. Many enter as generalists for IB, buy side and sell side.  However, if you are going to create a buy side report, you should tailor it to what sectors or criteria the firm selects from. If the firm you are talking to invests in consumer staples, energy and financials, a tech buy side report makes little sense.  At the same time, if they are interested in tech, try and narrow it down. Are they interested in tech mfg such as chips or electronics? Or are they interested in internet companies, service firms, BPOs, etc?


Being paid for content is not the same as being paid for work though. Being paid for work is to be paid for the hours spent thinking about, experimenting, recording and producing the song as well as other costs attached to it. Being granted a monopoly over a specific combination of bits and bytes is something completely different.


There is a shortcut you can use when calculating federal estimated taxes.  Some states may allow the same type of estimation, but I know at least one (my own--Illinois) that does not. The shortcut: you can completely base your estimated taxes for this year on last year's tax return and avoid any underpayment penalty.  A quick summary can be found here (emphasis mine): If your prior year Adjusted Gross Income was $150,000 or less, then   you can avoid a penalty if you pay either 90 percent of this year's   income tax liability or 100 percent of your income tax liability from   last year (dividing what you paid last year into four quarterly   payments). This rule helps if you have a big spike in income one year,   say, because you sell an investment for a huge gain or win the   lottery. If wage withholding for the year equals the amount of tax you   owed in the previous year, then you wouldn't need to pay estimated   taxes, no matter how much extra tax you owe on your windfall. Note that this does not mean you will not owe money when you file your return next April; this shortcut ensures that you pay at least the minimum allowed to avoid penalty. You can see this for yourself by filling out the worksheet on form 1040ES.  Line 14a is what your expected tax this year will be, based on your estimated income.  Line 14b is your total tax from last year, possibly with some other modifications.  Line 14c then asks you to take the lesser of the two numbers.  So even if your expected tax this year is one million dollars, you can still base your estimated payments on last year's tax.


We have been offering Cisco Certified Internetwork Expert Routing and Switching training from the past few years. The course includes class room coaching as well as practical classes. The institute has well equipped labs and spacious class rooms to enable the students to learn peacefully. The training center is also well equipped with hundreds of books on Cisco certification exams. Students can make best use of these books and classes to prepare for the certification exams.


Market orders can be reasonably safe when dealing with stocks that are rather liquid and have quite low volatility. But it's important to note that you're trading a large degree of control over your buy / sell price for a small benefit in speed or complexity of entering an order. I always use limit orders as they help me guard against unexpected moves of the stock. Patience and attention to details are good qualities to have as an investor.


They pay nearly $900 million per year in income taxes. Their effective rate is low because they have deferred tax assets, which means they paid more in taxes years prior in order to get a lower effective rate now. Additionally, they have a net loss carryforward, which allows a business to reduce their tax burden two years prior or up to 20 years forward after losing money.


"When you invest in an S&P500 index fund that is priced in USD, the only major risk you bear is the risk associated with the equity that comprises the index, since both the equities and the index fund are priced in USD. The fund in your question, however, is priced in EUR. For a fund like this to match the performance of the S&P500, which is priced in USD, as closely as possible, it needs to hedge against fluctuations in the EUR/USD exchange rate. If the fund simply converted EUR to USD then invested in an S&P500 index fund priced in USD, the EUR-priced fund may fail to match the USD-priced fund because of exchange rate fluctuations. Here is a simple example demonstrating why hedging is necessary. I assumed the current value of the USD-priced S&P500 index fund is 1,600 USD/share. The exchange rate is 1.3 USD/EUR. If you purchase one share of this index using EUR, you would pay 1230.77 EUR/share:  If the S&P500 increases 10% to 1760 USD/share and the exchange rate remains unchanged, the value of the your investment in the EUR fund also increases by 10% (both sides of the equation are multiplied by 1.1):  However, the currency risk comes into play when the EUR/USD exchange rate changes. Take the 10% increase in the price of the USD index occurring in tandem with an appreciation of the EUR to 1.4 USD/EUR:  Although the USD-priced index gained 10%, the appreciation of the EUR means that the EUR value of your investment is almost unchanged from the first equation. For investments priced in EUR that invest in securities priced in USD, the presence of this additional currency risk mandates the use of a hedge if the indexes are going to track. The fund you linked to uses swap contracts, which I discuss in detail below, to hedge against fluctuations in the EUR/USD exchange rate. Since these derivatives aren't free, the cost of the hedge is included in the expenses of the fund and may result in differences between the S&P500 Index and the S&P 500 Euro Hedged Index.  Also, it's important to realize that any time you invest in securities that are priced in a different currency than your own, you take on currency risk whether or not the investments aim to track indexes. This holds true even for securities that trade on an exchange in your local currency, like ADR's or GDR's. I wrote an answer that goes through a simple example in a similar fashion to the one above in that context, so you can read that for more information on currency risk in that context.  There are several ways to investors, be they institutional or individual, can hedge against currency risk. iShares offers an ETF that tracks the S&P500 Euro Hedged Index and uses a over-the-counter currency swap contract called a month forward FX contract to hedge against the associated currency risk. In these contracts, two parties agree to swap some amount of one currency for another amount of another currency, at some time in the future. This allows both parties to effectively lock in an exchange rate for a given time period (a month in the case of the iShares ETF) and therefore protect themselves against exchange rate fluctuations in that period.  There are other forms of currency swaps, equity swaps, etc. that could be used to hedge against currency risk. In general, two parties agree to swap one quantity, like a EUR cash flow, payments of a fixed interest rate, etc. for another quantity, like a USD cash flow, payments based on a floating interest rate, etc. In many cases these are over-the-counter transactions, there isn't necessarily a standardized definition.  For example, if the European manager of a fund that tracks the S&P500 Euro Hedged Index is holding euros and wants to lock in an effective exchange rate of 1.4 USD/EUR (above the current exchange rate), he may find another party that is holding USD and wants to lock in the respective exchange rate of 0.71 EUR/USD. The other party could be an American fund manager that manages a USD-price fund that tracks the FTSE. By swapping USD and EUR, both parties can, at a price, lock in their desired exchange rates.  I want to clear up something else in your question too. It's not correct that the ""S&P 500 is completely unrelated to the Euro."" Far from it. There are many cases in which the EUR/USD exchange rate and the level of the S&P500 index could be related. For example: Troublesome economic news in Europe could cause the euro to depreciate against the dollar as European investors flee to safety, e.g. invest in Treasury bills. However, this economic news could also cause US investors to feel that the global economy won't recover as soon as hoped, which could affect the S&P500.  If the euro appreciated against the dollar, for whatever reason, this could increase profits for US businesses that earn part of their profits in Europe. If a US company earns 1 million EUR and the exchange rate is 1.3 USD/EUR, the company earns 1.3 million USD. If the euro appreciates against the dollar to 1.4 USD/EUR in the next quarter and the company still earns 1 million EUR, they now earn 1.4 million USD. Even without additional sales, the US company earned a higher USD profit, which is reflected on their financial statements and could increase their share price (thus affecting the S&P500). Combining examples 1 and 2, if a US company earns some of its profits in Europe and a recession hits in the EU, two things could happen simultaneously. A) The company's sales decline as European consumers scale back their spending, and B) the euro depreciates against the dollar as European investors sell euros and invest in safer securities denominated in other currencies (USD or not). The company suffers a loss in profits both from decreased sales and the depreciation of the EUR.  There are many more factors that could lead to correlation between the euro and the S&P500, or more generally, the European and American economies. The balance of trade, investor and consumer confidence, exposure of banks in one region to sovereign debt in another, the spread of asset/mortgage-backed securities from US financial firms to European banks, companies, municipalities, etc. all play a role.  One example of this last point comes from this article, which includes an interesting line: Among the victims of America’s subprime crisis are eight municipalities in Norway, which lost a total of $125 million through subprime mortgage-related investments. Long story short, these municipalities had mortgage-backed securities in their investment portfolios that were derived from, far down the line, subprime mortgages on US homes. I don't know the specific cities, but it really demonstrates how interconnected the world's economies are when an American family's payment on their subprime mortgage in, say, Chicago, can end up backing a derivative investment in the investment portfolio of, say, Hammerfest, Norway."


"> And you get this Medicare ""issue"" from Vox whom you, yourself, say ""Vox does spin things left"".  Allowing Medicare Part-D negotiate drug prices has long been my litmus test of swamp politics.  It puts the free market and lower drug prices against corporate profits and it is disturbing how many politicians choose the latter.  When President Trump brought up the issue I applauded and thought he could be serious about draining the swamp.  When he reversed his position it showed me he embodied the swamp.  I chose the Vox article when deciding how to present this issue to you because I thought it did a good job explaining how big of a backstab this reversal was to the American people.  The articles of this meeting from conservative media ignored the flip-flop and painted more money going to the pharmaceutical companies as a win.  I do not agree this is a very gray topic.  I think this clearly shows President Trump will choose to help the rich despite claiming to do the opposite.  > And Medicare Part-D issue was not dealt at all by Obama in 8 years, am I right?  And there you go again thinking you can point to Obama and be proven right.  I know you think Obama was terrible.  Pointing out that President Trump is better than terrible isn't high praise.  > Ok!!!! Please find me something significant that Trump did that you don't like.  All right, another one of my pet issues is global warming.  I worked for the National Center for Atmospheric Research for seven years and decided to use the time to research both sides of the issue.  There was no comparison.  What I found was the scientists had multiple studies using different approaches with solid science and similar conclusions backed by decades of data.  The skeptics had cherry-picked data, specious reasoning, misrepresentation of the work of others, and often had direct financial ties to big oil.  Today I know of no valid evidence that the planet is not warming or that humans are not responsible.  This makes this issue into another litmus test for me.  If you seek the truth then you will learn that global warming is a real and a serious threat.  If someone claims its a hoax, unsettled science, not human caused, or not much danger then either that person misleading you to push an agenda or is listening to people who are.  Citizen Trump called global warming a Chinese hoax several years ago but I was willing to give him a chance to surround himself with people who actually knew the science.  Since becoming president he has appointed a climate change denier to head the EPA and much of his cabinet, doubled down on coal, oil, and gas mining and pipelines, pulled out of the Paris Accords, cut funding for climate studies, banned government scientists from speaking about the issue publicly, and rolled back regulations that would require or encourage reductions in greenhouse gas emissions.  Once again this issue shows me that President Trump is ignoring what the scientists are saying and what is best for our country long term and embracing policies that will make more money for the wealthy."


>They compensate me fairly  This may be why you bear no ill will as most here probably cannot say the same.  I know I certainly cant, I am shorted almost 50% of the market rate for others in the same field.  The bitch of it is if I left for a year and came back, they probably would pay me that difference, maybe even more.  Makes no fucking sense.


"I know, that's why there is no such thing as a ""pure, unadulterated free market"". Information flows, and it is often in the interest of those who make the big bucks that can be interrupted long enough, so that more money can be made out of the asymmetry.  As for finance, a lot of what was going on in unregulated markets in the 00's contributed to the spectacular crash later."


"GRAS is a lot different from ""determined to be safe for consumption""     The former is a specific category of food additives and ingredients, the latter is based out of your conjecture and paranoia, especially comparing it with trans fats.  At worst, the soy leghemoglobin is a potential allergen.     If the impossible burger weren't ""safe for consumption,"" you wouldn't be able to buy it."


"The question you should be asking yourself is this: ""Why am I putting money into a 401(k)?"" For many people, the answer is to grow a (large) nest egg and save for future retirement expenses. Investors are balancing risk and potential reward, so the asset categories you're putting your 401(k) contribution towards will be a reflection on how much risk you're willing to take. Per a US News & World Report article: Ultimately, investors would do well to remember one of the key tenants   of investing: diversify. The narrower you are with your investments,   the greater your risk, says Vanguard's Bruno: ""[Diversification]   doesn't ensure against a loss, but it does help lessen a significant   loss."" Generally, investing in your employer's stock in your 401(k) is considered very risk. In fact, one Forbes columnist recommends not putting any money into company stock. FINRA notes: Simply stated, if you put too many eggs in one basket, you can expose yourself to significant risk. In financial terms, you are under-diversified: you have too much of   your holdings tied to a single investment—your company's stock.   Investing heavily in company stock may seem like a good thing when   your company and its stock are doing well. But many companies   experience fluctuations in both operational performance and stock   price. Not only do you expose yourself to the risk that the stock   market as a whole could flounder, but you take on a lot of company   risk, the risk that an individual firm—your company—will falter or   fail. In simpler terms, if you invest a large portion of your 401(k) funds into company stock, if your company runs into trouble, you could lose both your job AND your retirement investments. For the other investment assets/vehicles, you should review a few things: Personally, I prefer to keep my portfolio simple and just pick just a few options based on my own risk tolerance. From your fund examples, without knowing specifics about your financial situation and risk tolerance, I would have created a portfolio that looks like this when I was in my 20's: I avoided the bond and income/money market funds because the growth potential is too low for my investing horizon. Like some of the other answers have noted, the Target Date funds invest in other funds and add some additional fee overhead, which I'm trying to avoid by investing primarily in index funds. Again, your risk tolerance and personal preference might result in a completely different portfolio mix."


As a developer in a former life, I would not even get out of bed for $50 an hour. My normal charge out rate for ANY computer work at all is $100/hour + 15% tax. Don't want to pay that much? Find someone else.   I never ever had anyone ever try to negotiate a deal, and I only ever worked on an hourly basis. And only when it suited me.  I struggle to understand how anyone could ever accept any kind of coding job for $15 an hour - *even if they lived in India*.


"**Lowes Foods**  Lowes Foods is a grocery store chain based in Winston-Salem, North Carolina. The chain's initial growth was in the mountains of North Carolina and rural areas of Virginia, but, starting in the late 1990s, has geared expansion towards metropolitan areas in North and South Carolina.  Until October 4, 2009, Lowes Foods used S&H Greenpoints on their store discount card; this was replaced with ""Fresh Rewards"" on October 5. Many of Lowes Foods stores also offer Lowes Foods to Go, where shoppers can order groceries online and drive to the store to pick them up.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/business/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot/)   ^] ^Downvote ^to ^remove ^| ^v0.22"


"You can (and definitely should) withdraw any part of the contribution that will put you over the contribution limit.  You can (and should if you need to) withdraw to repay any medical payments you made from outside the account.  You can (but should avoid at all costs) withdraw (distribute) from the HSA for non-medical reasons. Here's the IRS publication which covers this:  https://www.irs.gov/publications/p969 Here's the bit about distributions that covers what you're trying to do: You can receive tax-free distributions from your HSA to pay or be reimbursed for qualified medical expenses you incur after you establish the HSA. If you receive distributions for other reasons, the amount you withdraw will be subject to income tax and may be subject to an additional 20% tax. You don’t have to make distributions from your HSA each year.  It is better to pay from your checking and reimburse than to over-fund the HSA.  Best route forward is to reduce your contributions for the rest of the year, especially if continuing them will cause excess contributions.  Another nasty gotcha: Excess contributions.     You will have excess contributions if the contributions to your HSA for the year are greater than the limits discussed earlier. Excess contributions aren’t deductible. Excess contributions made by your employer are included in your gross income. If the excess contribution isn’t included in box 1 of Form W-2, you must report the excess as ""Other income"" on your tax return. Generally, you must pay a 6% excise tax on excess contributions. See Form 5329, Additional Taxes on Qualified Plans (Including IRAs) and Other Tax-Favored Accounts, to figure the excise tax. The excise tax applies to each tax year the excess contribution remains in the account.  You may withdraw some or all of the excess contributions and avoid paying the excise tax on the amount withdrawn if you meet the following conditions.  •You withdraw the excess contributions by the due date, including extensions, of your tax return for the year the contributions were made. •You withdraw any income earned on the withdrawn contributions and include the earnings in ""Other income"" on your tax return for the year you withdraw the contributions and earnings. If you will not be over your maximum contribution, let the contribution ride.  Make sure your HSA balance is divided between cash, stock fund, bond fund.  Much like your 401k.  Because the part that you don't spend on medical expenses this year can be spent in future years' medical expenses, and if you have anything left when you retire you can spend it on whatever you want.  And the funds, including growth, are not taxed until you distribute them. Bottom line:  if the funds will not cause excess contribution, leave them in.  Otherwise, take them out as soon as possible."


Michael Bach Atlanta, who began his finance career nearly sixteen years ago as the CEO of a small-cap private equity firm, founded Scirage just ahead of the nations financial crisis,that there were virtually no African American asset managers at all. “I’ve always know that there were limited numbers of African American’s in the finance industry


"I'm a bot, *bleep*, *bloop*. Someone has linked to this thread from another place on reddit:  - [/r/libertarian] [Senator Richard Blumenthal believes that american small business owners are ""outliers"" who should be ""prosecuted""](https://np.reddit.com/r/Libertarian/comments/72732b/senator_richard_blumenthal_believes_that_american/)  [](#footer)*^(If you follow any of the above links, please respect the rules of reddit and don't vote in the other threads.) ^\([Info](/r/TotesMessenger) ^/ ^[Contact](/message/compose?to=/r/TotesMessenger))*  [](#bot)"


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It's slightly more insidious than that. These days we're finding out how to make games in such a way as to maximise profit. Not by making the games more fun or entertaining but by abusing the flaws in human psychology.  They are also designed in such a way as to incentivise these extra purchases. When it says in the article you can buy quicker progress through the game and a lot of people like it, it's because they've artificially slowed down the normal progress in the game. They've deliberately broken the product so you'll pay to fix it.  From a business ethics point of view there's nothing wrong in this but it makes a lot of people in the industry uneasy.


Or it could be that Uber's model is not sustainable and preys on the ignorance and precarious situation of people. That the driver burn rate is a good indication of an unreasonable pay. And we're not even touching the fact that drivers are pretty uninsured (yes I know about the 1 million coverage Uber provides. It's a supplementary coverage, meaning you first have to submit claim through your own insurance first).


And that's what I'm getting at, it's like an 8th grader failing a class. It's not great but we don't write the kid off as a failure and kick him out of school. There is a lot of schooling left and chances are he will get his diploma.   there is plenty of time for them to pass something. And chances are you will see something get passed when they start to run up against a sort of deadline that could prevent them from passing it at all. And that deadline is like what? Next November at the earliest?


Now, whilst you recognize how beneficial a power bank institution is, it is pertinent to figure out how to choose a strength bank that high-quality suits your device and requirements for the cell phone. The maximum important element is to test the battery size of your cellular cell phone or tablet and compare it with the potential of the power bank institution. The ability of a power bank has to be at least the same as the battery length. This selection basis will make sure which you pick out a strength bank, which gives you minimal 1-complete charge in your cellular telephone. Another vital thing that should be taken into consideration whilst buying energy bank online is its type. Each kind plays in another way and accordingly, you should pick out the one that high-quality fits your requirements.


Let's see... do you have other options?  I have no idea since you didn't list those details.  Doesn't sound like you've applied for anything.  So, if you don't have other options, then yes, you should accept it.  That's just common sense.  If you don't have other options and you turn it down... well, you deserve whatever happens to you.


Canada, like other second-rate economies with weak currencies, provides USD accounts.  It is not the same vice versa.  It is rare to find a direct deposit foreign currency account in the US as it is the world-leading currency.


>the broad consensus is that there's an elasticity of somewhere between -0.05 and -0.2  I think an even broader consensus is that impact of minimum wage hikes is [highly non-linear](http://onlinelibrary.wiley.com/doi/10.1111/coep.12175/pdf) as you increase the real wage cutoff. Going from $8 to $10 an hour might be a net positive for the low income group, but as you go from $10 to $12 or $12 to $14, the job loss effects will start to overpower the wage gain effects.


"The professional financial advisors do have tools which will take a general description of a portfolio and run monte-carlo simulations based on the stock market's historical behavior. After about 100 simulation passes they can give a statistical statement about the probable returns, the risk involved in that strategy, and their confidence in these numbers.  Note that they do not just use the historical data or individual stocks. There's no way to guarantee that the same historical accidents would have occurred that made one company more successful than another, or that they will again. ""Past performance is no guarantee of future results""... but general trends and patterns can be roughly modelled. Which makes that a good fit for those of us buying index funds, less good for those who want to play at a greater level of detail in the hope of doing better. But that's sorta the point; to beat market rate of return with the same kind of statistical confidence takes a lot more work."


In addition to all the complete sample plans, Business plan includes example content for every text item in your business plan. Browse through a few examples to get an idea how others he worded their Executive Summary, for instance. Find an good that really works for you? One click adds it right into your plan. Then you can personalize it to fit your business and business management are best tips.


There was this /r/offmychest post yesterday from a person claiming to work for a large investment bank as part of their default risk modelling team. The poster claims that the commercial and real estate lending divisions have been fudging numbers regarding default risks due to a lack of oversight and a bunch of bad commercial loans are about to become due. They further claim that a rise in interest rates could prevent many commercial properties from being able to properly ~~finance~~ refinance their loan. Here is the post: https://www.reddit.com/r/offmychest/comments/77a1vw/i_work_in_bankingfinance_risk_management_i_am/. Any one have any thoughts?            I also found this link on the Mises blog (though it is a year old) that discusses how delinquency rates on commercial and industry loans have been steadily rising since bottoming out in 2015: https://mises.org/blog/delinquency-rates-rising-new-crisis-approaching. Could be something to keep an eye on. I would love to see some more updated data on delinquency.


Now i want to get this money in my new UK bank account, does this mean that gov will take taxes from this money as well. Yes that is income and you have to pay tax on that. But it might be a bit complicated than that, so I would ask you to call up HMRC or visit an accountant or maybe ask the finance people of your employer. Also one of my family members send us money every few months and will send to this bank from now on, does taxes also apply on this? See the HMRC page about capital gains tax on gifts: You won't have to pay Capital Gains Tax when you give a gift to your   husband, wife or civil partner - as long as both of the following   apply: It's useful to keep a note of what the asset cost you. Your spouse or   civil partner may need this to work out their Capital Gains Tax when   they dispose of the asset. Example: Mr B lives with his wife and gives her an antique table that   he bought for £12,000 in 2003. Mrs B spends £500 restoring the table,   eventually selling it for £20,000.  Her total costs are £12,500 (£500 plus Mr B's original cost £12,000). Mrs B's   gain is £7,500 (£20,000 less £12,500). When you make a gift to a family member or other person you're   connected with, you'll need to work out the gain or loss. This doesn't   apply to gifts you make to your spouse or civil partner. This also applies if you dispose of an asset to them in any other way   - for example, you sell it to them for a low price. A 'connected person' in this context is someone such as your brother,   sister, child, parent, grandparent, mother-in-law or business partner.   Follow the link below for more information about connected people and   Capital Gains Tax. You must get a valuation of the asset at the time you made the gift.   Use this value in place of any amount you received for the asset to   work out your gain or loss. If you gave the asset away, then of course   the amount you received for it will be nothing. If you make a loss you can only deduct the loss from gains you make on   gifts or other disposals to the same person.


is that the touch one with the qwerty pad? I have a thing for blackberries....I recently bought a motorola that broke instantly after a bike ride and motorola refuses to abide by the warranty, they actually went so far to void it completely for my model.  So, back in the market for another bb...i just wish they'd get their act together and throw together something sleek and with tons of support.


So this is actually why I never went back to my old job at a movie theater. No one could work more than 32 hours a week or they would have to offer us insurance. I needed the 40 hours a week to pay for rent and food so I never went back. This isn't something new but people might just be bringing it up to blame Obama before the election.


"I was thinking more of a limit on the TOTAL # of patents (something fairly small, like maybe 10,000 total patents are allowed to be valid at any given moment in time), so that patent applications from multiple sources have to be somehow compared with each other to decide which would provide more societal-benefit by being allowed patent status.  If you want to take the government (mostly) out of the picture, then maybe use an auction format - when a valid patent ""slot"" becomes available (due to a previously-granted patent expiring, or being invalidated due to court challenge), then anyone who wants their idea to get patent rights submits their application to an ""auction"" for that slot.  Then the people who want to OWN the patent rights to any of those submitted ideas will bid for them. Whoever pays the top bid will get the patent rights for the concepts in the specific application they were targeting.  This will force the people who are doing the bidding to basically do the ""due diligence"" on each patent application (instead of depending on the patent examiners), since they will not want to pay a lot of money to get the patent rights for an idea, only to have that patent's value be destroyed by being declared invalid in court.  If you want to encourage small inventors to throw their hat into the ring, then set things up so that the money from the winning bid goes to the inventor who submitted the original application. This way, you get the best of both worlds - the inventor gets compensated (handsomely in most cases) for their good idea, and the idea being patented gets into the hands of someone with enough resources to exploit the idea in a broad scale."


Ever been to a city council meeting?  The craziest people are the loudest.  On Reddit they get downvoted into oblivion (well, unless they're the *right* kind of crazy), but in other online fora there's nobody to say that they're stupid and wrong.


I don't think that you totally get it.  From the article: >What if you created a website that printed out emails, texts or photos from your computer, Facebook or Instagram and mailed them for you in the plain white envelopes these institutions favored?


Echoing Justkt, different approaches will work for different couples.  It also depends on your background, life experience, age, maturity.... Irrespective of the structure, any agreement must be based on a thorough understanding of the mechanism by which responsibility and accountability is apportioned. As in any financial relationship, when money is plentiful and covers all ends, then conflict hardly ever arises.  Problems only turn up when money vanishes. Business contracts are written with a view to such conflicts and agreements within a marriage must be equatable and based on a shared understanding. So, don't worry too much about the structure.  Think about thinkgs like the following: In other words, given that income between spouses is likely to be unbalanced, how do you manage this within a caring relationship so that neither feels like a charity case, a social worker, or dependent? There will not be one clear answer except that open and honest discussion on an ongoing bases can only serve to strengthen your relationship.


It is allowed to transfer money between ISAs however you like in one year.  It does not count against the limit for how much you can pay into an ISA in a year, nor does it count as paying into two ISAs in the same year.  But make sure you transfer the money.  Don't withdraw it, then pay it into a new ISA. If your provider doesn't like you taking money out of one ISA while keeping another, then it's about time you found another provider.


Growth is how well the investment will grow on average.   In the long term, this is a sure thing.  Volatility is how much the value will jerk up and down in the short term.   Do you want both... Or neither?  When are you going to use the money? If it's IRA money you can't touch for 30 years, it really ought to be in the market, since growth is hugely important, and volatility is not a big concern. You're in it for the very long game, and volatility will average out, leaving pure growth.  If the market drops 25% in 6 months, who cares?  Stocks go up, stocks go down. It has 29 years to recover, and it will.   If you are planning to buy a house in 6 months, you want that money in something like a CD, because volatility could be devastating: an untimely 25% drop in stock price could really, really suck.


The problem is, we already have an ID with a number attached to it.  Except, even there getting a new ID number doesn't help much.  Because, in many cases the business will happily take the old number as well.  In other words, it's not a problem with the SSN so much as it is that institutions validation and the fact that proving fraud is left to the victim.  If, instead, the financial institution had to prove everything, we would have multiple layers of security.  Of course, at that point Equifax et al would not exist in its current form.  Cryptographic tokens work reasonably well that it's something in someone's possession, and can be put into ID cards pretty easily.  The problem is, you can't put them on forms.


But which effect is larger, short-term stupidity or long-term rationality? Investors may repeatedly make this mistake and forever affect FACE's price because of FB's actions. Maybe the fools who confused FB and FACE last month have learned their lessons, but the market provides an inexhaustible supply of fools.


This is the interesting part.  If one reads between the lines it seems that they used bots to upvote posts.  This violated their (reddit) TOS.  Evidence dammit, we need proof.  (We've got  our pitchforks ready)   I'm all for protecting the voting system.  I think it would be interesting to see data that shows this seo/spamy behavior.


"One thing recessions do is sort out market inefficiencies.  Often that means re-directing people who are in jobs they can't  do properly into other career fields.    During the dot-com boom, tons of people with liberal arts degrees and no experience wound up as ""software engineers"".  Not all of them sucked, but many did, and the dot-com crash sorted that out.  As an engineer, I saw this first hand, and it wasn't a bad thing -- I had a lot of co-workers in 2000 who weren't pulling their weight.  This is going to sound heartless, and maybe it is, but if someone has been unemployed 3 years, maybe it is time for a career change.    Your tax credit idea is only going to penalize businesses for operating efficiently, penalize the productively employeed, and cost the government in revenue.  Also, tax incentives rarely have the impact they're designed to have and there are always unitended consequences.  Large businesses exploit them, small businesse get abused by them.  If we want to see job growth, tax codes need to get simpler, not more complex."


St. John's Church, Richmond, Virginia March 23, 1775.  MR. PRESIDENT: No man thinks more highly than I do of the patriotism, as well as abilities, of the very worthy gentlemen who have just addressed the House. But different men often see the same subject in different lights; and, therefore, I hope it will not be thought disrespectful to those gentlemen if, entertaining as I do, opinions of a character very opposite to theirs, I shall speak forth my sentiments freely, and without reserve. This is no time for ceremony. The question before the House is one of awful moment to this country. For my own part, I consider it as nothing less than a question of freedom or slavery; and in proportion to the magnitude of the subject ought to be the freedom of the debate. It is only in this way that we can hope to arrive at truth, and fulfil the great responsibility which we hold to God and our country. Should I keep back my opinions at such a time, through fear of giving offence, I should consider myself as guilty of treason towards my country, and of an act of disloyalty toward the majesty of heaven, which I revere above all earthly kings.  Mr. President, it is natural to man to indulge in the illusions of hope. We are apt to shut our eyes against a painful truth, and listen to the song of that siren till she transforms us into beasts. Is this the part of wise men, engaged in a great and arduous struggle for liberty? Are we disposed to be of the number of those who, having eyes, see not, and, having ears, hear not, the things which so nearly concern their temporal salvation? For my part, whatever anguish of spirit it may cost, I am willing to know the whole truth; to know the worst, and to provide for it.  I have but one lamp by which my feet are guided; and that is the lamp of experience. I know of no way of judging of the future but by the past. And judging by the past, I wish to know what there has been in the conduct of the British ministry for the last ten years, to justify those hopes with which gentlemen have been pleased to solace themselves, and the House? Is it that insidious smile with which our petition has been lately received? Trust it not, sir; it will prove a snare to your feet. Suffer not yourselves to be betrayed with a kiss. Ask yourselves how this gracious reception of our petition comports with these war-like preparations which cover our waters and darken our land. Are fleets and armies necessary to a work of love and reconciliation? Have we shown ourselves so unwilling to be reconciled, that force must be called in to win back our love? Let us not deceive ourselves, sir. These are the implements of war and subjugation; the last arguments to which kings resort. I ask, gentlemen, sir, what means this martial array, if its purpose be not to force us to submission? Can gentlemen assign any other possible motive for it? Has Great Britain any enemy, in this quarter of the world, to call for all this accumulation of navies and armies? No, sir, she has none. They are meant for us; they can be meant for no other. They are sent over to bind and rivet upon us those chains which the British ministry have been so long forging. And what have we to oppose to them? Shall we try argument? Sir, we have been trying that for the last ten years. Have we anything new to offer upon the subject? Nothing. We have held the subject up in every light of which it is capable; but it has been all in vain. Shall we resort to entreaty and humble supplication? What terms shall we find which have not been already exhausted? Let us not, I beseech you, sir, deceive ourselves. Sir, we have done everything that could be done, to avert the storm which is now coming on. We have petitioned; we have remonstrated; we have supplicated; we have prostrated ourselves before the throne, and have implored its interposition to arrest the tyrannical hands of the ministry and Parliament. Our petitions have been slighted; our remonstrances have produced additional violence and insult; our supplications have been disregarded; and we have been spurned, with contempt, from the foot of the throne. In vain, after these things, may we indulge the fond hope of peace and reconciliation. There is no longer any room for hope. If we wish to be free² if we mean to preserve inviolate those inestimable privileges for which we have been so long contending²if we mean not basely to abandon the noble struggle in which we have been so long engaged, and which we have pledged ourselves never to abandon until the glorious object of our contest shall be obtained, we must fight! I repeat it, sir, we must fight! An appeal to arms and to the God of Hosts is all that is left us!  They tell us, sir, that we are weak; unable to cope with so formidable an adversary. But when shall we be stronger? Will it be the next week, or the next year? Will it be when we are totally disarmed, and when a British guard shall be stationed in every house? Shall we gather strength by irresolution and inaction? Shall we acquire the means of effectual resistance, by lying supinely on our backs, and hugging the delusive phantom of hope, until our enemies shall have bound us hand and foot? Sir, we are not weak if we make a proper use of those means which the God of nature hath placed in our power. Three millions of people, armed in the holy cause of liberty, and in such a country as that which we possess, are invincible by any force which our enemy can send against us. Besides, sir, we shall not fight our battles alone. There is a just God who presides over the destinies of nations; and who will raise up friends to fight our battles for us. The battle, sir, is not to the strong alone; it is to the vigilant, the active, the brave. Besides, sir, we have no election. If we were base enough to desire it, it is now too late to retire from the contest. There is no retreat but in submission and slavery! Our chains are forged! Their clanking may be heard on the plains of Boston! The war is inevitable²and let it come! I repeat it, sir, let it come.  It is in vain, sir, to extenuate the matter. Gentlemen may cry, Peace, Peace²but there is no peace. The war is actually begun! The next gale that sweeps from the north will bring to our ears the clash of resounding arms! Our brethren are already in the field! Why stand we here idle? What is it that gentlemen wish? What would they have? Is life so dear, or peace so sweet, as to be purchased at the price of chains and slavery? Forbid it, Almighty God! I know not what course others may take; but as for me, give me liberty or give me death!  This speech is the best response I can give.


"Hi, ""guy"" here! This was me. I think we have a PNC shill on our hands. Anyway, slrrp you're missing the point, I was called and asked specifically about why I'm buying bitcoin and was then told that PNC wants nothing to do with bitcoin. That is news. Me refusing to answer the question is not news, it is not about the response from me or them, it's about the initial impetus to call me."


It won't hurt your credit rating. I wouldn't worry about it. The company can certainly pursue debt collections across borders but unless its a massive sum.. they will write it off. Now.. what the right thing to do is to take care of it... 1. for karma's sake and 2. so you don't make a bad name for foreigners.


"You can't individually have 100% ownership if the 50/50 LLC is the owner of the new business; however, you can be allocated 100% of the profits and losses from the new business with the 50/50 LLC as owner of said business.  It requires a new LLC operating agreement that specially allocates profits and losses from the new business to you.  There is one catch under the Treasury Regs, the special allocation to you must have ""substantial economic effect"".  See Treasury Regulation (26 CFR) Section 1.704-1. http://www.medlawplus.com/library/legal/irsrulings/treareg1704-1.htm"


"Yes you can do the withdraw if you turned 55 during the year you separated from service. http://www.401khelpcenter.com/401k_education/Early_Dist_Options.html#.VdMrqPlVhBc Leaving Your Job On or After Age 55 The age 59½ distribution rule says any 401k participant may begin to withdraw money from his or her plan after reaching the age of 59½ without having to pay a 10 percent early withdrawal penalty. There is an exception to that rule, however, which allows an employee who retires, quits or is fired at age 55 to withdraw without penalty from their 401k (the ""rule of 55""). There are three key points early retirees need to know. First, this exception applies if you leave your job at any time during the calendar year in which you turn 55, or later, according to IRS Publication 575. Second, if you still have money in the plan of a former employer and assuming you weren't at least age 55 when you left that employer, you'll have to wait until age 59½ to start taking withdrawals without penalty. Better yet, get any old 401k's rolled into your current 401k before you retire from your current job so that you will have access to these funds penalty free. Third, this exception only applies to funds withdrawn from a 401k. IRAs operate until different rules, so if you retire and roll money into an IRA from your 401k before age 59½, you will lose this exception on those dollars."


I believe we already do? We have subsidies and stuff to entice companies to move to certain cities for example. Also the defense companies are still businesses in the end. I used to work at one for what it's worth.  But sure if it somehow makes a difference instead of businesses we can fund infrastructure projects, public transportation, education, or really anything else that benefits society in a more direct way.


Credit is very important even if you are wealthy. One thing you may not realize is that rich people typically have comparatively little cash on hand.  If they're smart, most of their assets are not liquid - they're tied up in safe, long-term investments.  They use credit for their day-to-day expenses and pay it off from the dividends on their investments (which might only come in once a quarter). There are also tax advantages to using credit.  If a rich person wanted a new car, he'd be smarter leasing it for his business (immediate write-off of the lease payments on taxes) versus buying it (depreciation over several years plus property tax liability in some states).  There are more elaborate tax dodges but the point is that buying a car outright is the worst option in terms of tax avoidance. Another way the rich (mis) use credit is so that they don't risk their own money on business ventures.  Let's say I have $1,000,000 in my personal bank account, and I want to buy a business that costs $1M.  If I am dumb, I clean out my bank account and put all my money in the business.  I get 100% of the profits, but I also bear 100% of the risk.  If I'm smart, I loan 200K of my own money in the business and put the rest someplace safe, and get a loan from a bank for the other 800K.  If the business succeeds, the bank gets their money back plus interest.  If it fails, the business declares bankruptcy and the bank eats the 800k loss. If I structured the debt right, my personal loan to the failed business gets paid back first when the company is liquidated, and the bank gets whatever is left over (if anything).  The most of my own money I can possibly lose is 200k, and probably it's closer to zero if I have a good accountant.


"Since doodle77 handled arbitrage, I'll take goodwill.  Goodwill is an accounting term that acts much like a ""plug"" account: you add/subtract to it the amount that makes everything balance.  In the case of goodwill, it generally only applies to mergers & acquisitions.  The theory (and justification) is this: firms buy other firms at prices other than the market price (usually higher), and it is assumed that this is because the acquirer values its acquisition more than other people do.  But whether you use historical prices or market prices when you add (subtract) assets and liabilities to to (from) your balance sheet, this will never add up, because you paid more (less) than the assets are worth in the market, so more (less) cash flowed out than assets flowed in.  The difference goes into the goodwill account, so firms with a large goodwill account are ones that have made lots of acquisitions."


u just dont understand how econoics work.  private debt was over 41 trillion dollars while public debt was a mere 8 trillion in 2008.   giving pple money to spend will stimulate the private sector of the ecnomy to recover, and m2 will grow and generate much more lasting revenue for govt.    you pple just dont understand anything.


You don't.  When you get to Japan, use your ATM card to withdraw local currency.  My bank (ETrade) doesn't charge me int'l fees.


"As an exercise, I want to give this a shot.  I'm not involved in a firm that cares about liquidity so all this stuff is outside my purview.  As I understand it, it goes something like this: buy side fund puts an order to the market as a whole (all or most possibly exchanges).  HFTs see that order hit the first exchange but have connectivity to exchanges further down the pipe that is faster than the buy side fund.  They immediately send their own order in, which reaches exchanges and executes before the buy side fund's order can.  They immediately put up an ask, and buy side fund's order hits that ask and is filled (I guess I'm assuming the order was a market order from the beginning).  This is in effect the HFT front running the buy side fund.    Is this accurate?  Even if true, whether I have a genuine issue with this... I'm not sure.  Has anyone on the ""pro-HFT"" side written a solid rebuttal to Lewis and Katsuyama that has solid research behind it?"


Expecting accurate accounting in a war-zone is unrealistic. Money is used to buy loyality that would be lost if it got out that they had accepted infidel invader's money. Secrets are a characteristic of all wars.  Expecting accurate accounting in a wallstreet investment firm is completely reasonable.


You really have no idea what you're talking about right now. You jump to nonsensical conclusions.  Wages in the US can not support the economy. Until you can accept that I know I'm dealing with someone who believes ideology over reality.


"This is the best tl;dr I could make, [original](http://news.ehealthinsurance.com/news/affordable-care-act-health-insurance-will-be-unaffordable-in-2018-for-many-middle-income-american-families-ehealth-analysis-shows) reduced by 94%. (I'm a bot) ***** > The Affordable Care Act considers health insurance to be &quot;Unaffordable&quot; when annual premiums for the lowest-priced plan in a market cost more than 8.16% of a household&#039;s modified adjusted gross income.  > eHealth, Inc. owns eHealth.com, a leading private online health insurance exchange where individuals, families and small businesses can compare health insurance products from brand-name insurers side by side and purchase and enroll in coverage online and over the phone.  > eHealth offers thousands of individual, family and small business health plans underwritten by many of the nation&#039;s leading health insurance companies.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/73ecm7/ehealthcom_has_just_published_a_new_study_that/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~219483 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*: **plan**^#1 **health**^#2 **insurance**^#3 **eHealth**^#4 **City**^#5"


Ad-based business model is the hands down best way to go. Imagine an internet where you had to make micropayments to every website you visited. It is just not viable.  The thing is, there are proper and improper ways to do ads. A banner ad? A text ad? Fine. Whatever.  An noisy, seizure inducing ad? Gross. A 30-second video ad to watch a Youtube video? Disgusting. A website that is 90% advertising and 10% content? Worthless.


I suspect you were downvoted because you wanted to increase the size of the pie rather than argue about what percentage of it everyone gets. And the Fed is a bigger perp today than energy for wealth inequality.  Wealth creation is a far more sustainable and commonsense way to create value for the individual. Lower energy = more wealth freed up for other things.  The 1970's were the beginning of the totalitarian seizure of many areas of our economy by central planners- education, healthcare. Yes fossil fuels accelerated on their exponential cost curve but the big impacts came from gov't.


Bingo.   The problem is most people associate the warranty as “warranty vs. total replacement” ($300 now vs. $3,500 later) instead of “warranty vs. repair” ($300 now vs. potentially $300 later). The fun part is when they still charge you.   Edit: Your grandma has had the same appliances for 15+ years without needing any repairs.


Don't sit on it, because the money does not work for you. Add more money to it and buy a stock or stocks of the company.


There are non-financial costs to having a debt: you need to remember to make monthly payments, perhaps keep track of changing interest rates, be aware of conditions of the debt, archive the related paperwork. Life is simpler with fewer debts, and that has value. Of course, if the difference in interest rate is large, then that is more important and the higher interest should be paid off first. But if the difference is only half a percentage point or so, you may decide that having fewer debts is in itself worth the bit of extra interest you pay.


I haven’t looked at their financials but the fact that everyone is getting into the SmartTV box space means they have very stiff competition.  I personally have an AppleTV, FireTV, and a Roku.  I love my Roku (headphone jack in the remote FTW) however one of my most used apps recently rolled out a major update and Roku was the last of the 3 (I believe chromecast got it earlier too) to receive the update, about 3+ months after my first device got it.  If developers begin seeing Roku as a platform to develop for “when we get to it” then I see them suffering the same fate as, Windows, BlackBerry, and Amazon phones.


Even with scenario and stress testing, VaR is still rather useless.  Im sure your VaR simulator was a great piece of work but at the end of the day when things go crazy VaR as a model fails when you need it the most. Risk management in the larger banks is reporting while at funds is more active.


I think that's unreasonable. If you had read the article and clicked on the Amory Lovins link you would have seen this - an article in which he talks about there being more oil in Detroit than Saudi Arabia.  Energy + Genius The Saudi Arabia Beneath Detroit Amory Lovins, 10.09.08, 06:00 PM EDT Radical efficiency can decouple us from oil for far less than making more.


"I believe the answer is ""no"", if I remember discussion at the time correctly. A reference librarian could show you how to research this. (Undervalued resource, and they love an excuse to show people how to get the most out of a library.)"


EFA must be bought and sold in US dollars. XIN allows people to buy and sell EFA in Canadian dollars without exposing their investment to unpredictable swings in the USD/CAD ratio.  This is what's known as a currency-hedged instrument. Now, why the chart sums up to over 100% is anyone's guess.  Presumably it's the result of a couple hundred rounding errors from all the components.  If you view their most recent report, it also sums up to over 100%, but at least the EFA component is (sensibly) under 100%. P.S. I'm not seeing where it says there's only one holding.  There's the primary holding, plus over 100 other cash holdings to effect the currency-hedging.


Actually to be truth full..it was a little more.I believe 62 before closing costs.We also had to do a few repairs....However still yea it would be hard to buy the land and build for that price.Unless your in a really depressed area.


As a new graduate, aside from the fact that you seem to have the extra $193/mo to pay more towards your loan, we don't know anything else.  I wrote a lengthy article on this in response to a friend who had a loan, but was also pondering a home purchase in the future. Student Loans and Your First Mortgage discusses the math behind one's ability to put a downpayment on a house vs having that monthly cash to pay towards the mortgage. In your case, the question is whether, in 5 years, the $8500 would be best spent as a home down payment or to pay off the 6.8% loan.  If you specifically had plans toward home ownership, the timing of that plan would affect my answer here, as I discuss in the article.  The right answer to your question can only come by knowing far more of your personal situation.  Meanwhile, the plan comes at a cost. Your plan will get rid of the loan in about 5 years, but if you simply double up the payments, advising the servicing company to apply the extra to principal, it would drop to just a couple month over over 4. As you read more about personal finance, you'll find a lot of different views. Some people are fixated on having zero debt, others will focus on liquidity. In the end, you need to understand each approach and decide what's right for you.


This form is due March 15. This year, the 15th is Saturday, so the deadline is Monday March 17th.  Keep in mind, the software guys would have two choices, wait until every last form is finalized before releasing, or put the software out by late November when 80%+ are good to go.  Nothing is broken in this process. Keep in mind that there are different needs depending on the individual. I like to grab a copy in early December, and have a preliminary idea of what my return with look like. I'll also know if I'll owe so much that I should send in a quarterly tax payment.  The IRS isn't accepting any return until 1/31 I believe, so you've lost no time.  When you open the program, it usually ask to 'phone home' and update. In a couple weeks, all should be well.  (Disclosure - I have guest posted on tax issues at both TurboTax and H&R Block's blogs. The above are my own views.)


Both seem to be reasonable. To decide you need to guess if the value of the house will go up or down between now and when you sell. If you think the value will go up - reach a calculation agreement now. If you think the value will go down - wait until the house is actually sold. So ya pays yer money, and ya takes yer chances... I think I understand the two scenarios Unless you are absolutely confident that you understand both scenarios - make sure your lawyer gets involved and explains them to you until you do understand.


The point is that the starvation response is not limited to crash diets (did you read the whole article?), and is apparently permanent. If you lose a significant amount of weight by any means, your body is likely to make you feel hungry for the rest of your life. Fun...


Totally. The way they're trying out a store with no check out lines for their employees..I could see why they decided to buy Whole Foods. Just curious if they will price Whole Foods competitively with other grocers like Walmart, Kroger, etc.


Once a debt has gone to a debt collector, you have to work with the debt collector to settle your debt. Essentially, the department store sold your debt to the debt collector so they don't have to deal with it anymore. You have rights when contacted by debt collectors. You can negotiate a deal so that the amount you actually pay is lower than what you owe. It is illegal for them to quote you for a higher amount than what you actually owe! Also, they can't threaten you or pretend to be a credit bureau. Your best bet is to work with them and negotiate a better payment. Don't give up. Collectors often times purchase the debt for a very low amount, so even if you pay less than what you actually owe, the collector will still make a profit.  https://www.credit.com/debt/collections-crash-course/


Such activity is normally referred to as bartering income. From the IRS site - You must include in gross income in the year of receipt the fair market value of goods or services received from bartering. Generally, you report this income on Form 1040, Schedule C (PDF), Profit or Loss from Business (Sole Proprietorship), or Form 1040, Schedule C-EZ (PDF), Net Profit from Business (Sole Proprietorship). If you failed to report this income, correct your return by filing a Form 1040X (PDF), Amended U.S. Individual Income Tax Return. Refer to Topic 308 and Amended Returns for information on filing an amended return.


One potentially useful option to avoid the crippling tuition fees in the states is to instead get your degree abroad. Numerous European countries have very low tuition fees, even for international students. Tuition can be as low as a 1000 EUR and housing is generally also very affordable. There is of course the language barrier but many universities are oriented towards receiving international students, providing relocation assistance and offering courses in English. As a bonus, most Europeans speak excellent English and are generally quite happy to practice it so you shouldn't have any problems off-campus either. Going to the UK is an option but likely considerably more expensive than colleges in mainland Europe. This article, while written for a Nigerian audience, lists some of the most attractive options for the international student. The quality of the education is also generally very high for these colleges. As an example Belgium, one of the cheapest options in the list, has two universities ranked in the Top 100: Leuven and Ghent. Many other German, French, Dutch or Scandinavian universities figure in that list.


In general, a warrant is a security issued by a company allowing the holder to purchase a certain number of a particular class of shares at a certain price for a particular period of time.  They differ from exchange traded options (i.e. calls and puts) in that they are issued by the company that issued the underlying shares that they allow you to purchase whereas calls and puts are generally written by other investors. The other big difference between options and warrants is that options are standardized.  Any call or put you buy on a particular exchange has basically the same set of rules governing use.  By contrast, a warrant may have all kinds of stipulations that must occur before you can execute, such as price events (e.g. only if the stock hits a certain price) or business events (e.g. only if the company elects to defer payment on a bond issued at the same time as the warrant). Warrants are generally a bad choice for small and inexperienced investors since each warrant issue is different and you often need a lawyer or other qualified professional to fully understand all to possible outcomes.


It is because 17th was Friday, 18th-19th were weekends and 20th was a holiday on the Toronto Stock Exchange (Family Day). Just to confirm you could have picked up another stock trading on TMX and observed the price movements.


PWC sold off their consulting to IBM in 2002 and has been rebuilding, now makes 7.5B out of 29B from consulting  KPMG spun off their consulting as BearingPoint in 2001 and has been rebuilding E&Y spun off their consulting as Capgemini in 2000 and has been rebuilding, now makes 4B out of 23B from consulting. Deloitte didn't spin off consulting and makes 8B out of 29B.  Actually, none make more from consulting than audit, but consulting is a big chunk for all the big4.


a MUST READ for business owners who wish to improve not only their business credit ratings but also their chances of qualifying for excellent credit deals later on. please read it and suggest it to all your friends, most especially to those who are currently managing small shops and stores!


Advance technology has resulted in new and different gadgets and equipments being invented on frequent basis. Mostly all of the invented gadgets or equipments need electric supply in order to function. Therefore, regular testing and tagging of such appliances, working on electricity, becomes one of the most essential needs to be considered by you.


Maybe a bit under the radar for the average/amateur investor, but I love 'em. Started trading them in college.. I love the variety of strategies one can employ, and risk management is easier (to me) than going long or short the underlying in many cases.  Pick up Hull's text on Futures, Options and Derivatives for your starter reading, then pick an economic sector that makes the most sense to you and learn it. For me, it was ag crops - corn, wheat and soybeans. Keep learning the mechanics of trading this asset class and paper trade for as long as you can.


No they wouldn't.  That's from a pure math standpoint.  People would cancel like crazy if they did this, which would probably cost them money in the long run.   EDIT:  As you can see by $NFLX stock today after MISSING projections on earnings but CRUSHING subscribers, it's all about subs, not hard cash.  My point is proven.


you either tell your financial department about them (e.g. I used to get a student's tax discount), or you file them separately. But you don't have to file anything by default.  That is a comment connected to the question.  In the united states you can almost achieve this. 90% of the numbers on my tax form are automated. The W-2s are sent to the IRS, the 1099-s for my non retirement accounts are also sent. The two biggest items that take time are charities, and the educational benefits. Nobody has to claim every deduction they are entitled to. They must claim all the income, and decide to take the standard deduction. It would probably take less than an hour to finish the families taxes: both federal and state.


They just started advertising locally.  For a whopping $13.25 part time you get to spend your day doing these awesome things.  This is copied from their site.  Things you should know about working in an Amazon Delivery Station:  Safety, it’s more than wearing a reflective vest. We’re committed to providing one of the safest work environments, which means stretching, safety tips, and yes… following the rules.Customer-obsession. It makes your day to make someone else happy.Quality is key. You have high standards, and it shows in your work. We’ll hold you to it, but only because we know our associates can handle it. We like to keep you on your toes, associates will rotate tasks multiple times throughout the week.Amazon lets customers order whatever they need, whenever they need. Flexibility is key, associates should be open to extra hours, time off, and a rapid pace.Layer up! You should be comfortable working in an environment with varying temperatures. Many buildings have dock doors that open throughout shifts, this can cause the temperature to be high during the summer or cold during the winter depending on the location.  Got it? Okay, but what will you actually be doing?  Keep on truckin’. Manage the receiving of truck deliveries and packages.Pumped up kicks. You’ll stand in one place for extended periods of time, and be walking a good distance around the facility – good shoes are a must!All hands on deck! You can expect to handle packages from small envelopes to boxes ranging up to 49 pounds.On the move. You should be willing and able to operate carts, dollies, hand trucks and other moving equipment to move large quantities of merchandise.Potential opportunity to operate PIT equipment, special training is offered to associates based on interest and availability.Keepin’ up with the times. You’ll use a smartphone, apps, handheld devices, and can even scan a bar code or two.  Hourly Pay Rate: $13.25  Let’s sweeten the deal…  Weekly pay scheduleHoliday overtime payBasic Life, AD&D insuranceOn-the-job training and skill developmentEmployee Assistance Program  We want you to join the team if you can check these boxes:  Blown out the candles – you are at least 18 years old.Flex, not just your muscles – you don’t mind a curve ball every once in a while and you can be flexible in responsibilities.You are willing and able to work extra hours as required, bringing smiles to our customers doesn’t take time off.Let’s get physical – associates must, with or without reasonable accommodation, be able to lift up to 49 pounds, stand/walk for up to 8-10 hours, and be able to frequently push, pull, squat, bend, and reach.Step it up – be able to continuously climb and descend stairs safely (applies to sites with stairs)Must be able to work on a secure mezzanine at a height of up to 40 feet (applies to buildings with mezzanines)Must be willing and able to work on powered equipment-for example forklift or cherry picker


For two reasons primarily:  For one, it is very simply because China is at a different stage in its economic development than the USA. That is just a fact.  Secondly and more verbosely, the nation of China is experiencing predictable short-term gains that are primarily the result of modernization in best practices, technical skills, and equipment. The reality of the Chinese economy is that it is mostly fueled by a global need for cheap labor and a lot of it. This is thrusting many of China's still 3rd world citizens into modern era industry and production through the many nationalized development and relocation projects taken on by the government. These base realities of Chinas 'economic development', when set against any relevant metric, are in no way indicative of economic success.   If anything, the growth China is experiencing underscores the ever-present reality and impact of capitalistically driven market-based economies. In the short term, the nation will have increasing challenges appeasing and suppressing the nation's workforce as workers fight for improved workers rights/conditions. In the long-term, the nation/government will struggle with managing and planning the nation's inevitable transition into a market-based consumer economy as all those workers, in turn, spend their newly acquired wealth. In all truth, the Chinese government is almost singularly driving growth by sacrificing untold amounts of money and Chinese lives to advance an agenda that increases domestic production and attempts to modernize the largely 3rd world population into the 21st century.  *As a final note. The nations concerning disregard in the pursuit of modernizing its workforce and domestic production can best be classified as a series of human rights violations. Especially when considering the impacts and conditions for many in Chinas workforce.*


Ask someone in Human Resources. I seriously doubt you are the first person to ask this question for their company and they should be more than happy to help.


Simply put, it makes sense from the moment you can afford the loss without negative consequences. For example, if your car costs $20000 and you happen to have another $20000 laying around, you can choose not to insure your car against damage. In the worst case, you can simply buy a new one. However, not insuring your car has a hidden cost: you can't long-term invest that money anymore. If your insurance costs $500 a year, and you can invest those $20000 with a return on investment of more than 2.5%, it still makes sense to invest that money while having your car insured.


Have you checked to see if anything else went missing? Walmart says that because I was not the original purchaser of the gift   card, they could not help me directly Just to build on what @littleadv already gave you, my personal experience on this is that none of the companies that you'll likely be dealing with in a situation like this will be falling over themselves to help you out. Unless it also helps them for some reason, or if they're compelled by consumer laws.  If you think you should be protected from this sort of thing happening, feel free to reference the FCRA to see if you might get any consumer protections.  But just from what you've said here, it doesn't sound like you do. So if anything else went missing (or even if not), it might have been someone working for Citi, who may have had access to more of your personal information than just your card.  ID theft is unfortunately common, as a fairly easy crime to commit, a hard one to protect yourself against, and a very hard one to prosecute.  When did you last check your credit report?


"This is the best tl;dr I could make, [original](https://www.higherrockeducation.org/blog/economic-analysis-of-the-solar-eclipse) reduced by 90%. (I'm a bot) ***** > According to the law of demand, as prices increase, the quantity demanded of a good or service decreases.  > Factors other than price can shift the entire demand curve and cause an increase or decrease in the quantity demanded at every price point.  > The slight decrease in the market price due to new suppliers was not offset by the significant increase in the demand for products and services in the path of totality.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6xtrl7/economic_analysis_of_the_solar_eclipse/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~203519 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*: **price**^#1 **demand**^#2 **supply**^#3 **people**^#4 **totality**^#5"


You could use a stock-only ISA and invest in Exchange Traded Funds (ETFs). ETFs are managed mutual funds that trade on open exchanges in the same manner as stocks. This changes the specific fund options you have open to you, but there are so many ETFs at this point that any sector you want to invest in is almost certainly represented.


There are 2 questions here; My father, an NRI, sold inherited land in India ... This transaction is taxable in India. As its inherited land, and assuming its Non-Agricultural, your Dad will have to pay tax on gains, 20% with Indexation and 10% without indexation. He wants to move the money to the USA, with minimum tax. How to go about it? Money can be moved to US, there is a limit on the amount that can be freely repatriated, the limit is more if the funds are being moved for investment, like property etc outside India.


Windows 8 was made specifically for the Surface. People may say otherwise, but Microsoft would not spend so much resources on a touch bases OS unless they were making it specifically for the Surface. They are starting to do what made Apple so successful in the past decade. Pairing your own software with your own hardware.


"The ""more money"" aspect is only true if you ignore the lack of symmetry between employment and contracting. Consulting is another story altogether.  Companies are willing to pay consultants for a number of reasons but the most important is deniability.  If a decision is recommended and goes wrong then the consultants can be sued.  Liability cover is expensive. Cynicism aside, it often isn't cost-effective to keep specialists permanently on the payroll for tasks that are performed once a year. Recently I've noticed that the nature of consulting is changing.  Companies are starting to assemble brains-trusts of internal consultants who can create and manage projects while outsourcing only the labour-intensive data-collection roles.   Expect this to have a big impact on the management consulting industry."