Company X located outside a military base offer discounts to military as a form of marketing. They want to encourage a group of potential customers to use their store/service. In some cases they are competing with subsidized store on the base. In other cases their only competition is other stores outside the base. The smart ones also understand the pay structure of military pay to make it easier for enlisted to stretch their money for the entire month. The government doesn't offer compensation to the business near bases. The businesses see their offer and discount as advertising expenses, and are figured into the prices they have to charge all customers. You will also see these types of discounts offered by some businesses in college towns. They are competing with the services on the campus and with other off-campus businesses. Some also allow the use of campus dollars to make it easier for the student to spend money.


Coworking spaces offer much more reasonable rates, with dedicated desk space usually going for a couple hundred dollars a month. In addition, that fee usually includes access to things like printers and copiers at no extra charge, and other office fixtures are included in the price.


"Congratulations on deciding to save money and choosing to invest it. One thing to know about mutual funds including index funds is that they typically require a minimum investment of a few thousand dollars, $3000 being a typical amount, unless the investment is in an IRA in which case $1000 might be a minimum. In some cases, automated monthly investments of $50 or $100 might need to be set up if you are beginning with a small balance. There is nothing wrong with your approach. You now should go and look at the various requirements for specific index funds. The Fidelity and Vanguard families are good choices and both offer very low-cost index funds to choose from, but different funds can have different requirements regarding minimum investments etc. You also have a choice of which index you want to follow, the S&P 500 Index, MidCap Indexes, Small-Cap Indexes, Total Stock Market Indexes etc., but your choice might be limited  until you have more money to invest because of minimum investment rules etc.   Most important, after you have made your choice, I urge you to not look every day, or even every month, to see how your investment is doing. You will save yourself a lot of anxiety and will save yourself from making wrong decisions.  Far too many investors ignore the maxim ""Buy Low, Sell High"" and pull money out of what should be long-term investments at the first flicker of a downturn and end up buying high and selling low. Finally, the time is approaching when most stock funds will be declaring dividends and capital gains distributions. If you invest now, you may end up with a paper profit on which you will have to pay taxes (in  non-tax-advantaged accounts) on your 2012 tax return (this is called ""buying a dividend""), and so you might want to spend some time investigating now, but actually make the investment in late December after your chosen fund has made its distributions (the date for this will be on the fund's web site) or in early 2013."


The answer is no.  Online trading is not premature, and hasn't been for a long time. The presence of online complaints has no bearing on the maturity of this means of trading. I'm sure you can find negative reviews of banks, brokers, grocery stories, online retailers, car manufacturers etc. but no one in their right might would consider those industries premature. Sorry, I think your avoidance based on some online reviews sounds a little paranoid. What exactly are you afraid of? Maybe I could provide a more precise answer if we knew your exact concerns.


The two banks involved may have different policies about honoring the check. It might not be written on the check.  Your bank may decide that the stale check has to be treated differently and will withhold funds for a longer period of time before giving you access to the money. They will give time for the first bank to refuse to honor the check. They may be concerned about insufficient funds, the age of the check, and the fact that the original account could have been closed. If you are concerned about the age of the check. You could go to your bank in person, instead of using deposit by ATM, scanner, or smart phone. This allows you to talk to a knowledgeable person. And if they are going to treat the check differently or reject the check, they can let you know right away. The audit may not have been concerned about the fact that the check hadn't been cashed because when they did the audit the check was still considered fresh. Some companies will contact you eventually to reissue the check so you they can get the liability off their books.  If the bank does refuse the check contact the company to see how you can get a replacement check issued. They may want proof the check can't be cashed so they don't have to worry about paying you twice.


This makes me sad.  I'm extremely happy with my OG EVO 4G & I actually like Sense.  I've not owned a Samsung device, but I can't say I'm happy w/some of there track record, nor do I like TouchWiz at all.  And Motorola, wow, I don't think I will ever purchase another Moto device after the short lifespan of my old Razr and the crime against humanity that is the software on my work provided Droid4.


"You are right, if by ""a lot of time"" you mean a lot of occasions lasting a few milliseconds each. This is one of the oldest arbitrages in the book, and there's plenty of people constantly on the lookout for such situations, hence they are rare and don't last very long. Most of the time the relationship is satisfied to within the accuracy set by the bid-ask spread. What you write as an equality should actually be a set of inequalities.  Continuing with your example, suppose 1 GBP ~ 2 USD, where the market price to buy GBP (the offer) is $2.01 and to sell GBP (the bid) is $1.99.  Suppose further that 1 USD ~ 2 EUR, and the market price to buy USD is EUR2.01 and to sell USD is EUR1.99.  Then converting your GBP to EUR in this way requires selling for USD (receive $1.99), then sell the USD for EUR (receive EUR3.9601).  Going the other way, converting EUR to GBP, it will cost you EUR4.0401 to buy 1 GBP.  Hence, so long as the posted prices for direct conversion are within these bounds, there is no arbitrage."


I feel like I get a better quality muffin and meat when I make them at home, but to each his own. Then there's the cheese... Can't tell if it's amazing or awful, but it sure is different than any other American cheese I have had.


OP wants to do something very honourable, applause for that. Being a Greek I have insider knowledge about the impact of various organisations. Fact is, for people from abroad what is the most highly recommended action would be to support organisations of an international network (red cross, doctors w/out borders etc), because the health system is suffering seriously nowadays -or access to it-, and providing redundancy in that respect can certainly make a difference, via global health efforts. The next best thing you can do, to yourself and others, is basically to take a vacation in Greece and visit both a big city (here's where the problems will be visible) and an island (here's where you'll realise that you are in a place of stunning natural beauty). By taking this action you achieve two things: you put the economy in motion - a small vote, yet it counts - and you actually are a first-person observer. Enough is enough with victimisation via the news coming from inside or outside Greece! People need get the whole respective.


Such loans are of course possible. They exist because the lender gains something other than interest from them: What would happen to the economy if these were common? These are common, common as anything. In fact where it's not banks lending the money, these are the default. So, nothing would happen to the economy, this is one of the ways the economy works all over the world. If you're more interested in a loan from a bank or other financial institution, made to you for whatever purpose you want - here's $10,000, have fun, give it back ten years from now - ask yourself what the bank would get from that? Perhaps they could do it as a perk when you do something else with them like get a mortgage or keep $1000 in your chequing account all the time. But in the absence of any other relationship, what would be their reason for taking on the overhead and paperwork of approving you for a loan and keeping track of whether you're paying it back or not, for no return, whether financial or intangible? No return? It doesn't happen.


"Ok, then I was not clear enough.  I will preface my explanation with some ethos sounding pathos: I don't know much about cars in general, and less so about SAABs. I was interested in following the thread and what you wrote, but there was a contradiction so I couldn't.  I listed the contradicting terms - including the possibility that the error was in my understanding of them (""Or am I missing something - am I wrong?""), and I addressed you since you through your husband has expertise in the matter and you are willing to share it here (thanks for that).  Simply put, the premises were:  From you: **Your car is well maintained.**  Assumed by me: Your (spouse's) expertise means that **you won't buy a car that is known to fail despite maintenance.**  **You bought a SAAB.**  So it should follow that *you own a well maintained, non-failing SAAB.*  But you also state: **Your SAAB is failing.**  (I'm a bit insulted to be called a prick for asking about that. Regardless, if you can be more specific I can perhaps offer help on how to maintain electrical systems. I have a vaguely related degree and work/life experience, however it depends very much on the type of system, its circumstances and your circumstances. Unless you were ""trolling"".)  The solution to the contradiction seems to be as given by redditor CC440, that I was wrong in my assumed premise, that you would and did buy a car known to fail.  However, CC440 insinuated that your husband is an idiot, I did the opposite. It's the opposite of idiotic to take a good deal. (Apologies for before-the-fact labelling ""$1500 with heated leather seats"" as ""cheap funkiness"", it was unintentional, and I don't know if it is offensive.)"


The chain just contains hashes, you seem to be over complicating it.  Your lack of understanding is why people will pursue this idea.  In the end they will likely peg their chain to the mega chain anyway, as it's the only immutable decentralized single source of truth.


"that's one way to look at it.  The point is that the ""wealth gap"" is a LOT less interesting to me than the ""income gap"".  https://www.glassdoor.com/research/ceo-pay-ratio/  I've got all kinds of respect for people who save their pennies, make wise investments, and derive benefit from those actions.  I've got MUCH less respect for a guy/gal who HONESTLY thinks they deserve to make ~$78k / hr."


> The Postal Service's current woes are also due at least in part to Capitol Hill's meddling. In 2006, Congress passed a new law requiring the agency to pay about $5.5 billion a year into a trust fund for future retiree pensions.  I'm thinking that $5.5 billion in insane pension prefunding is the reason.


"This is overly trivialized by the word ""etiquette"". Really this is ""theft of time"". In the modern world, the incremental sum of such small thefts adds up to real fractions of our lives, and the mandate not to do it needs to be seen as more than just ""courtesy"" but absolutely essential. Strong deterrents are absolutely appropriate."


When I worked for myself it was bad because But Ultimately I gave up my business and went to work for a school teaching, and through a series of other jobs ended up in a very stable reliable trustworthy job.  When I was younger the variable paycheck didn't outweigh the freedom.  Now that I am a dad I only think about having insurance and a secure job. The other option to consider is having a regular job, and then doing a little side work for yourself.  You get all the benefits of both (and all the detractions)


"I'm not sure if you know much about electric motors, but there isn't much to service. There are so few moving parts, and they endure so little wear, that this will very likely be a total non-issue for Tesla. The transaxle will be the thing to possibly need extra servicing, but I'm sure there's a ""normal use"" clause in the warranty that precludes damage from overheating due to heavy loads, etc."


Google 'Amazon workers conditions' or 'Amazon warehouse report' and have a read. Many newspapers have done undercover reports which touch upon issues like that. I could bring up the actual one but you'd be better served just reading a few.   A bit here:  https://www.google.co.uk/amp/s/amp.theguardian.com/technology/2016/dec/11/amazon-accused-of-intolerable-conditions-at-scottish-warehouse  Worse here:  https://www.google.co.uk/amp/s/amp.theguardian.com/technology/2015/aug/18/amazon-regime-making-british-staff-physically-and-mentally-ill-says-union  But this is the tip of be iceberg.


"I assume it's some kind of service that will help me make more money somehow No, wealth management is helping you keep the wealth you have, not to become more wealthy.  Insurance sales, portfolio management, estate planning, and trust formation (to avoid estate taxes) are common services associated with ""wealth management"". Wikipedia already has a pretty good definition."


Since you said you're young, consider learning more and getting involved in financial engineering.  You need a VERY strong quant background and good knowledge of coding C++, but there is a lot of money to be had.  Check out Berkeley's program.  http://mfe.berkeley.edu/


I'm not unsympathetic, but insurance of what kind? I don't know how he'd have owned a restaurant but failed to pay into the social security system. Was he paying taxes at all?  As for the 'why,' there's not enough checks and balances to make sure that nothing is done under the table. I believe 40 quarters of work would have qualified her for a benefit of some kind, but you say she didn't pay in either. Both people didn't pay into the system, either on purpose or by not understanding the need to do so. This is a sad situation.


"anything that produces steady income will produce a ""real return"" (return above inflation) in a zero-interest rate environment: Note, however, that all of these will decline in value if interest rates rise."


Conroe water damage  --Triton Renovation has been the authority on Conroe water damage for over a decade. With their team of experts, they have the ability to handle any renovation or repair you would need whether it be commercial or residential.


The most likely explanation is, as you say, that the letter was automatically generated a day or two before you met with your advisor. Assuming that your advisor is competent, they will probably execute the instructions you gave them at the meeting. The letter said you had ten days to change the investment, and your advisor should be able to do it in that time. To be on the safe side, since people have been known to forget things, I would call your advisor and tell them you got the letter, and check they are going to do what you decided. I would then follow it with a polite email, just saying that you both decided at your meeting on such-and-such a date to go with the three month plan. If that doesn't happen you can point to the email as evidence. Don't panic about this. Even though the bank says you are 'locked in' to the decision, if an advisor makes a mistakes these decisions are in fact reversible, with the advisor paying any penalty.


"Thank you for misunderstanding:  >then I shudder to think what an explanation of how the price of money can be derived from plotting IS and LM together and extending it's meeting point into the money market to determine the price of currency would do to your notion of control by powerful offices in government.  and embarking upon the very rant I knew you had in you.  I am well aware of the Federal Reserve's purpose of controlling the money supply, as is everyone else.  You are literally the last one to the party.  Your mistaken feeling of superiority is derived from a position of complete ignorance.    Your shock and outrage at the most simplistic of economic facts that have been the foundation for understanding international economics since the cold war represents a massive twisting of self education: you have wrested your way out of the dark pit of complete ignorance by reading up on how the economy works, but in a sorrowful twist you have learned this information from biased sources, perhaps the ""Abolish the Fed"" folks putting around, and instead of taking steps forward into understanding the world of finance you have flipped your lid and assume that you have somehow become Neo in The Matrix and have taken on a faux-intellectual persona in a desperate attempt to assert an identity of superiority over the masses of far more educated people around you who do not react with shock and outrage to things they already knew.  **TLDR: You are just a smug asshole who has reacted to basic facts about the economy by incorporating them into making more credible tinfoil hat conspiracy theories, and I hate people like you because you distract from legitimate criticism of the international banking system by acting shocked by what you learned in Economics 101.**"


You can defer RRSP deductions to future years. So, if you purchase $20,000 in RRSPs this year but had no income, you could use this to offset your income next year when you are making, say, $100,000. For more details, see Deferring claim of significant purchase of RRSPs Note that I strongly advise you ensure you have sufficient emergency funds prior to purchasing RRSPs.


"This seems to sum it up: ""But in that unusual moment of candor, Sen. Blumenthal seemed to lay bare his opinions about Internet startups—he thinks of them as unimportant outliers and would prefer that the new law put them out of business."""


At any given time there's always going to be people talking about crazy highs and lows. Like all the people predicting a Trump blowout based on yard signs and stupid stuff like that. They were right, but it had nothing to do with yard signs.


When you're selling something through a provider, like Craig's List or newspapers, the only thing that may limit your choices is the provider. They may refuse your post if it's against their rules or the law. But luckily they usually don't limit or enforce certain payment choices.  These private business providers have the right to do so if they want. You don't need to be their customer. They may state their terms for using the service and even refuse service (before any payment is made).  The fun part is that you may do so as well. Just remember to state your terms in your post so the prospective buyers are aware of them. I've found it best to put payment and delivery terms in separate lines so that they are easily noticeable, for example: Nice victorian handbasket with gold embroidery, only used once. Signed by the original author. Comes with a certificate of authenticity. No delivery, only cash payments.


The top long-term capital gains tax rate will rise to 20% effective 1 Jan, 2011, unless Congress decides to do something about it before then. (Will they? Who knows!! There's been talk about it, but, well, it's Congress. They don't even know what they're going to do.)  Anyway. The rules about when you can sell stock are mostly concerned with when you can realize a capital loss: if you sell a stock at a loss and then re-buy it for tax purposes within 30 days, it's a wash sale and not eligible for a deduction. However, I don't believe this applies to any stocks once you realize a gain - once you've realized the gain and paid your tax for it, it's all yours, locked in at whatever rate. Your replacement stock will be subject to short-term capital gains for the next year afterwards, and you might need to be careful with identifying the holding period on different lots of your stock, but I don't believe there will be any particular trouble. Please do not rely entirely on my advice and consult also with your tax preparer or lawyer. :) And the IRS documentation: Special Addendum for Nov/Dec 2012! Spoiler alert! Congress did indeed act:   they extended the rates, but only temporarily, so now we're looking at   tax hikes starting in 2013 instead, only the new top rate++ will be something   like 23.8% on account of an extra 3.8% medicare tax on passive earnings (brought to you via Obamacare   legislation). But the year and the rates' specifics aside, same thing   still applies. And the Republican house and Democratic senate/President are still duking it out. Have fun. ++ 3.8% surtax applies to the lesser of (a) net investment income (b) income over $200,000 ($250k if married). 20% tax rate applies to people in the 15% income tax bracket for ordinary income or higher. Additional tax discounts for property held over 5 years may be available. Consult tax law and your favorite tax professional and prepare to be confused.


"Presicely. I find it sad that individuals, employees and consumers have to play by the rules of ""the free market"" when it comes to buying products or employment but a giant corporation can muscle its way in to manipulating supply and demand to their advantage when they see fit."


> Less capital tax = less pressure on the wealthy/entrepreneurs (since you keep bigger portion of your net income, the interest to bring back business should increase) = capital inflow back to the US.  IMO, this statement makes a whole lot of assumptions that are untrue.  1) The wealthy create jobs.  I believe the opposite is true.  I think if you want more companies/jobs you should offer universal healthcare so low to middle class folks can risk leaving an established company to start on their own.  2) More money to the rich means more investment in the economy. My experience shows the rich will use the money to grow their own wealth, not everyone's. I remember a recent Bloomberg article where businessmen said they would use repatriated money for buyouts, liminting competition and growing a company's hold on the market.  3) Take home money is used for investment.  It isn't. Companies do the large investments, not individuals.  Consider Amazon looking at growing their distribution channels or Apple with their iPhone evolution.  If you make it more profitable for corporate profits to go to compensation, you leave less money for investment.  4) Companies struggle in the US due to overtaxation. This is a flat out myth. Cost of taxes for business in the US is one of the lowest for rich, educated countries and that is before the tax kickbacks (a la Foxconn) or loopholes.  5) And the bigges IMO -- the US has been fed the lie that the best thing for the citizens of the country is aligned with the best things for the country's companies. The opposite is the case.


"Started to post this as a comment, but I think it's actually a legitimate answer: Running a rental property is neither speculation nor investment, but a business, just as if you were renting cars or tools or anything else. That puts it in an entirely different category. The property may gain or lose value, but you don't know which or how much until you're ready to terminate the business... so, like your own house, it really isn't a liquid asset; it's closer to being inventory. Meanwhile, like inventory, you need to ""restock"" it on a fairly regular basis by maintaining it, finding tenants, and so on. And how much it returns depends strongly on how much effort you put into it in terms of selecting the right location and product in the first place, and in how you market yourself against all the other businesses offering near-equivalent product, and how you differentiate the product, and so on.  I think approaching it from that angle -- deciding whether you really want to be a business owner or keep all your money in more abstract investments, then deciding what businesses are interesting to you and running the numbers to see what they're likely to return as income, THEN making up your mind whether real estate is the winner from that group -- is likely to produce better decisions. Among other things, it helps you remember to focus on ALL the costs of the business. When doing the math, don't forget that income from the business is taxed at income rates, not investment rates. And don't forget that you're making a bet on the future of that neighborhood as well as the future of that house; changes in demographics or housing stock or business climate could all affect what rents you can charge as well as the value of the property, and not necessarily in the same direction. It may absolutely be the right place to put some of your money. It may not. Explore all the possible outcomes before making the bet, and decide whether you're willing to do the work needed to influence which ones are more likely."


"Transactions cost is what kills you here. The price of determining who gets what, and then enforcing it.   For example; let's say you invested in my electrical engineering class. Then when I get out of school, I go to work. At Starbucks. Where I'm applying literally none of that knowledge or experience--and thus I signed a bad deal.  Or what if I change majors? You still have a stake on my lifetime income, but it won't be in the field you helped me into. So college-aged indecision would mean twice as much out of my take-home income for life?  Or what if I'd like to buy your percentage back from you? What would be a fair price? Would there be a market to establish it?  You should read ""The unincorporated man,"" which has a system very similar to what you're proposing.   In this futuristic story, education and subsistence investment have become astronomically expensive. So in order to send a kid through spaceship-piloting college, you're actually purchasing ""shares"" of an individual's future earnings like they're a corporation. Parents get 10% when you're born. Government gets 5% in lieu of taxes. These shares have a market value based on income, expenditures, health, etc--pricing individuals just like you'd price a company.  In the story, most individuals have sold over 50% of their shares; meaning that they effectively don't have controlling interest over their lives. Their jobs, their homes, all their major decisions are made by the shareholders. So you might take a high-risk job, just because one of your biggest shareholders wants a payday.  Of course, since it's on the open market you can buy your shares back. Once you're back over 50%, you're back in control of your life and the majority of your income. The way the author imagines it, it's a pretty comprehensive system. And the book stays delightfully ambiguous as to whether it's debt slavery or a new evolution of liberty.  But again; transactions costs. Think of six billion little corporations with all their vital stats and market data. Now imagine voting on the jobs and homes of the potentially hundreds of people in whom you have an interest. It would simply be impossible to keep track of.  Honestly, it'd probably be more modest to just pay your student loans."


"> broken up into ""cards"" ... conversations hidden underneath  So; some double-digit number of clicks to get to a comment thread, and an new ad at every one. Also, every industry-standard backtracking keystroke or mouse-action either disabled completely or hard-coded to put you at the main screen."


Your federal taxes in US include the tax which Indian government wants back from you under the treaty with US government. Some countries have treaty with US where all the money person earns in US can be reclaimed at the end of the financial year i.e no money goes to the country of citizenship. However, Indian citizens working in US are not liable for 100% reclaim on their federal tax.


You are smart to read books to better inform yourself of the investment process.  I recommend reading some of the passive investment classics before focusing on active investment books: If you still feel like you can generate after-tax / after-expenses alpha (returns in excess of the market returns), take a shot at some active investing.  If you actively invest, I recommend the Core & Satellite approach: invest most of your money in a well diversified basket of stocks via index funds and actively manage a small portion of your account.  Carefully track the expenses and returns of the active portion of your account and see if you are one of the lucky few that can generate excess returns. To truly understand a text like The Intelligent Investor, you need to understand finance and accounting.  For example, the price to earnings ratio is the equity value of an enterprise (total shares outstanding times price per share) divided by the earnings of the business.  At a high level, earnings are just revenue, less COGS, less operating expenses, less taxes and interest.  Earnings depend on a company's revenue recognition, inventory accounting methods (FIFO, LIFO), purchase price allocations from acquisitions, etc.  If you don't have a business degree / business background, I don't think books are going to provide you with the requisite knowledge (unless you have the discipline to read textbooks).  I learned these concepts by completing the Chartered Financial Analyst program.


I find these type of questions silly, but I'll bite:


Shop around for a bank that offers lower/no fees for this operation and move your account there...  or, yes, change where the direct deposit is routed... or move these accounts into a single bank so it's an internal transfer rather than ACH. Or ask the bank whether there is another way to arrange this which doesn't cost you money. (It costs me nothing to move money within my credit union, whether manually or on a scheduled basis. It costs me nothing to have them send funds to another entity from my checking account. Specific example: Pay comes into my savings account. On the 27th, an automatic transfer moves the cost of a mortgage payment from savings to checking. On the 30th, an automatic payment sends that to my mortgage in another bank. No fees on any of this, 100% reliable.)


C) None of the above.  I mostly use Lync/Skype/Facebook/Whatsapp for making calls on the road. Wifi is ubiquitous these days, Project Fi and T-Mobile let you freely roam data outside the USA and I believe most European carriers are similar


That depends whether you're betting on the market going up, or down, during the year. If you don't like to bet (and I don't), you can take advantage of dollar cost averaging by splitting it up into smaller contributions throughout the year.


The minimum amount is set by the merchant services provider based on the kind of business, its location and the history. It mostly has nothing to do with you personally. However, the minimum amount differs based on the kind of credit cards being used. For example, foreign credit cards will require signatures on much lower amounts than domestic.  In my local Safeway (NoCal analog of Ralph's) the limit for domestic credit cards is set at $50. If your credit limit is $5000, you might think that its a 1% of your limit. But if your limit is $50000 or $500 - it will still be $50. You cannot deduce anything about a specific person's credit situation based on whether or not they are required to sign the receipt. It has no affect on the decision.


Nope. Fed buys bonds, banks get money, banks reinvest money in equities. DJIA went from 6,626.94 in March 6, 2009 to 17,100.18 in July 18, 2014. That's nearly a 200% increase in 5 years. The economy, on the other hand, has not reflected this rise. So where is this money coming from? QE. This is also why the biggest equities market drops in the past year and a half coincided with Fed announcements about QE tapering.


Depends on if the investment options are changing. If the investments don't change then you will still receive your dividend. If they are changing, your company is legally obligated to inform you what new investment your money will be transferred to.


See the article Age of Majority and Trust Termination. The site happens to be college related, but the chart offering age at which the minor takes control of the custodial account, by state should help address your question. For NY, it's 21, not 18. Same in my state. For custodial accounts we have for our daughter, she can show ID and take over at 21 if she wishes. Both smart enough to know she can, and wise enough to put the transfer off.


Not sure I agree.    In your analogy, there was a car accident, or the closing of a position.  So, yes, it is okay to claim on the insurance.  Claiming and being granted unemployment requires that several very specific criteria are met on a continuing basis.


"This is only a concern if the payments can be realistically controlled by a central authority. What you're asking is only relevant when dealing with a centrally planned economy. I'm also not sure why you're talking about high payments surrounding basic living. What is ""basic living""? What is considered high? You're presupposing information into the question, which is a form of leading and taints the discussion."


"Okay, yes that's true. However, we don't know what inflation would have been during this period had the fed not been increasing their balance sheet. That's what I'm trying to get at it. So it's easy for them to say ""Low inflation , low interest rates""."


> if Toronto wasn't refusing to give special tax considerations, they might have had this in the bag.  Yes, but their reason for it is good. That is already built into everything.  You don’t pay for employee healthcare, there is low business taxes already, etc.  They are just putting a great opportunity out there for anyone and waiting to see who takes it.  If not Amazon, someone else will.  Google is already setting a major office near the proposed Amazon site.


"Yes, there is a financial benefit, if and only if you can live on 24/26th of your salary. Thus, bi-weekly is 12/13 lower than a bi-monthly income.  However, you now get a so-called ""extra"" paycheck twice a year.  (We typically get them in March and October.)   You can either spend those extra paychecks on ""hookers and blow"" or spend them wisely on things like accelerated debt repayment, home/car down payment, property taxes, etc, etc. HOWEVER... none of this really matters, since you don't control whether or not you're paid bi-weekly or semi-monthly."


Switch to cash for a few months. No debit. No credit. This will help for two reasons: Once you've broken the bad habits, you should be able to go back to cards for the convenience factor.


For real! /u/aolsux00 doesn't know what a primary source or peer-reviewed study is, but he has the gall to call other people uneducated in his other comments.   But just for fun, I went through those articles and read the studies they indirectly cite. [Spoiler alert: none of them fully support his claims](https://www.reddit.com/r/business/comments/6pujj4/economy_needs_workers_but_drug_tests_take_a_toll/dkt5pn2/)


For example: do I need a realtor, or can I do their job myself? In general in the United States the real estate agent fee is paid by the seller of the property. Their agent will be more than happy keep the entire fee if they don't have to split it with your agent.  If you don't have an agent you will be missing somebody who can help you find the property that meets your needs. They can also help explain what the different parts of the contract mean and give you advice regarding making an offer. Do I need to pay for an inspection, or am I likely to save enough   money from skipping it to cover potential problems that they would   have caught? Inspections are optional. Though the amount you are risking is the entire value of the purchase. If the property has a problem in the foundation, or the septic system, or the plumbing or electrical the cost to fix the issue could render the purchase not worth doing. If you discover the problem a year later and you have to repair the house and have to find temporary housing for a few months, you will regret skipping the inspection. What are some of the ways I can cut expenses on closing costs? Is   there any low-hanging fruit? You need to do your homework. When you are ready to purchase a property take good look at the good faith estimate and look at each item.  Ask them what the expense covers. Push back against those that seem optional or excessive. Keep in mind that moving the closing date from the end of a month to the start of the next month only changes the timing those charges, it doesn't really save you money. Rolling the costs into the loan sound easy but you have to think about. It means that you will be paying interest on those charges for the life of the loan. It is good that you are starting to think about all the costs.


When you are a certain age you will be able to tap into your retirement accounts, or start receiving pension and social security funds. In addition you may be faced with required minimum distributions from these accounts.  But even before you get to those points you will generally shift the focus of new funds into the retirement account to be more conservative. Depending on the balances in the various accounts and the size of the pension and social security accounts you may even move invested funds from aggressive to conservative investments. The proper proportion of the many different types of investments and revenue streams is open to much debate. During retirement you will be pulling money out of retirement accounts either to support your standard of living or to meet the required minimum distributions. What to sell will be based on either the tax implications or the required distributions that will still maintain the asset allocation you desire.   If your distributions are driven by the law you will be selling enough to meet a specific required $ figure. You will either spend that money or move it into a low interest savings account or a non-retirement investment account. If trying to meet your standard of living expectations you will be selling funds that allow you to keep your desired asset allocation but still have enough to live on. Again you will be trying to meet a specific $ figure.  Of course you may decide at anytime in retirement to rebalance based on changes to your lifestyle, family obligations, or winning the lottery.


"You own a fractional share of the company, maybe you should care enough to at least read the proxy statements which explain the pro and con position for each of the issues you are voting on. That doesn't seem like too much to ask. On the other hand, if you are saying that the people who get paid to be knowledgeable about that stuff should just go make the decisions without troubling you with the details, then choose the option to go with their recommendations, which are always clearly indicated on the voting form. However, if you do this, it might make sense to at least do some investigation of who you are voting onto that board. I guess, as mpenrow said, you could just abstain, but I'm not sure how that is any different than just trashing the form. As for the idea that proxy votes are tainted somehow, the one missing piece of that conspiracy is what those people have to gain. Are you implying that your broker who has an interest in you making money off your investments and liking them would fraudulently cast proxy votes for you in a way that would harm the company and your return? Why exactly would they do this? I find your stance on the whole thing a bit confusing though. You seem to have some strong opinions on corporate Governance, but at the same time aren't willing to invest any effort in the one place you have any control over the situation. I'm just sayin.... Update Per the following information from the SEC Website, it looks like the meaning of a proxy vote can vary depending on the mechanics of the specific issue you are voting on. My emphasis added. What do ""for,"" ""against,"" ""abstain""and ""withhold"" mean on the proxy card or voter instruction form?   Depending on what you are voting on,   the proxy card or voting instruction   form gives you a choice of voting   ""for,"" ""against,"" or ""abstain,"" or   ""for"" or ""withhold."" Here is an   explanation of the differences: Election of directors: Generally,   company bylaws or other corporate   documents establish how directors are   elected. There are two main types of   ways to elect directors: plurality   vote and majority vote. A ""plurality vote"" means that the   winning candidate only needs to get   more votes than a competing candidate.   If a director runs unopposed, he or   she only needs one vote to be elected,   so an ""against"" vote is meaningless.   Because of this, shareholders have the   option to express dissatisfaction with   a candidate by indicating that they   wish to ""withhold"" authority to vote   their shares in favor of the   candidate. A substantial number of   ""withhold"" votes will not prevent a   candidate from getting elected, but it   can sometimes influence future   decisions by the board of directors   concerning director nominees. A ""majority vote"" means that directors   are elected only if they receive a   majority of the shares voting or   present at the meeting. In this case,   you have the choice of voting ""for""   each nominee, ""against"" each nominee,   or you can ""abstain"" from voting your   shares. An ""abstain"" vote may or may   not affect a director's election. Each   company must disclose how ""abstain"" or   ""withhold"" votes affect an election in   its proxy statement. This information   is often found toward the beginning of   the proxy statement under a heading   such as ""Votes Required to Adopt a   Proposal"" or ""How Your Votes Are   Counted."" Proposals other than an election of   directors: Matters other than voting   on the election of directors, like   voting on shareholder proposals, are   typically approved by a vote of a   majority of the shares voting or   present at the meeting. In this   situation, you are usually given the   choice to vote your shares ""for"" or   ""against"" a proposal, or to ""abstain""   from voting on it. Again, the effect   of an ""abstain"" vote may depend on the   specific voting rule that applies. The   company's proxy statement should again   disclose the effect of an abstain   vote."


I've been unemployed for over a year after being laid off and subsequently rejected from the literally hundreds of applications I've done. I finally got this job as a cashier, but it doesn't satisfy me so I'm just going to quit.


"According to IRS Publication 1635, Understanding your EIN (PDF), under ""What is an EIN?"" on page 2: Caution: An EIN is for use in connection with your business activities only. Do not use your EIN in place of your social security number (SSN). As you say your EIN is for your business as a sole proprietor, I would also refer to Publication 334, Tax Guide for Small Business, under ""Identification Numbers"": Social security number (SSN).   Generally, use your SSN as your taxpayer identification number. You must put this number on each of your individual income tax forms, such as Form 1040 and its schedules.  Employer identification number (EIN).   You must also have an EIN to use as a taxpayer identification number if you do either of the following. Pay wages to one or more employees. File pension or excise tax returns. If you must have an EIN, include it along with your SSN on your Schedule C or C-EZ as instructed.  While I can't point to anything specifically about bank accounts, in general the guidance I see is that your SSN is used for your personal stuff, and you have an EIN for use in your business where needed. You may be able to open a bank account listing the EIN as the taxpayer identification number on the account. I don't believe there's a legal distinction between what makes something a ""business"" account or not, though a bank may have different account offerings for different purposes, and only offer some of them to entities rather than individuals. If you want to have a separate account for your business transactions, you may want them to open it in the name of your business and they may allow you to use your EIN on it. Whether you can do this for one of their ""personal"" account offerings would be up to the bank. I don't see any particular advantages to using your EIN on a bank account for an individual, though, and I could see it causing a bit of confusion with the bank if you're trying to do so in a way that isn't one of their ""normal"" account types for a business. As a sole proprietor, there really isn't any distinction between you and your business. Any interest income is taxable to you in the same way. But I don't think there's anything stopping you legally other than perhaps your particular bank's policy on such things. I would suggest contacting your bank (or trying several banks) to get more information on what account offerings they have available and what would best fit you and your business's needs."


"Yeah. I went to a free seminar which was really just a roundabout sales pitch for their expensive seminars. They promised big secrets etc. Yet when I asked the guy what his portfolio consisted of, ""Some property and some stocks"" was his reply.    ""So how did you get them and choose them?"" I asked.   ""We cover that in our other seminars which you can sign up for.""  yeah and pay tons for. Obviously he was there to drum up sales for nebulous and vague seminars on ""Wealth Building."" for a thousand bucks. I'd rather just buy a thousand bucks on investment books. Least I know ill be getting worthwhile knowledge out of that.   Tl;Dr felt like a scientologist sales pitch. Lots of show and money spent. Probably bullshit aliens at the end."


You should evaluate where to put your money based on when you need-by-date is. If you need it in the next 5 years, I'd essentially keep it in cash or no-risk savings accounts/cds, money market accounts, etc. If you need it further than 5 years from now, invest for the future with some form of asset allocation that matches your risk tolerance.   Research asset allocation and decide how to divide amongst different types of investments. **Retirement accounts have earnings requirements and maximum contribution limits.


If you want to invest in the stock market, whether over a shorter period of 1 to 2 years or over a longer period of 10 or 20 years or longer you need to take some precautions and have a written investment plan with a risk management strategy incorporated in your plan. Others have said that 1 to 2 years is too short to invest in the stock market as the stock market can have a correction and fall by 50%. But it doesn't matter if you invest for 1 year or if you invest for 50 years, the stock market can still fall by 50% just before you plan to withdraw your funds. What you need to figure out is a way to get out before the market falls by 40% to 50%. A simple way to do this is to use technical indicators to warn you when a market trend is starting to change and that it is time to get out of the market. Two simple indicators you can use on a market index are the Rate of Change (ROC) indicator and the 100 week Moving Average (MA). Below is a 10 year weekly chart of the S&P500 with these two indicators charted. They show good times to get into the market and good times to get out.  If you are using the 100 week MA you would buy in when the price crosses above the MA line and sell when the price crosses below the MA line. If you are using the ROC indicator you would buy in when the ROC indicator crosses above the zero line and sell when the ROC indicator crosses below the zero line. So your investment plan could be to buy an Index ETF representing the S&P500 when the ROC moves above zero and sell when it crosses below zero. You can also place a trailing stop loss of 10% to protect you in case of a sudden fall over a couple of days. You can manage your investments in as little as 10 minutes per week by checking the chart once per week and adjusting your stop loss order.  If you want to progressively add to your investment each month you could check the charts and only add any new funds if both the ROC is above zero and sloping upwards. Another option for adding new funds could be if the price is above the MA and moving further away from the MA. All these rules should be incorporated into your investment plan so that you are not basing your decisions based on emotions. There are many other Technical Analysis Indicators you could also learn about to make better educated decisions about your stock market investments. However, what I have provided here is enough for anyone to test over different indexes and time frames and do their own paper trading on to gain some confidence before placing any real money on the table.


"Moral capitalism only makes sense when everyone agrees on the definition of that phrase. Whatever you decide is moral, there will be someone that thinks it's not.  ""We should see taxes as an integral part of a moral capitalist economy, providing health, education and social care outside the market.""  Taxes are a part of every government, capitalist or otherwise, that I know of. The real question becomes, ""How much health, education and social care is it the government's responsibility to provide?"" or, to put it another way, ""What should I get for free at the expense of everyone else if I choose not to work?""  It's a balancing act: We generally want to support those who cannot support themselves (even when it doesn't make sense, evolutionarily speaking) but we don't want to create a disincentive for people to learn, grow, work and better themselves. We don't want it to be easier or more comfortable for able people to collect government checks instead of earning their own."


Wtf did I just read. The only real tip there is having a responsive mobile friendly site.   Keyword stuffing is not as effective as search engines move to semantic understanding, if you have 10 keywords that are synonyms for the same topic you'll likely get demoted


The implication is she built it so good that it didn't suffer these fates. It took on a life of its own in a way she wanted/designed and then it sort of maintained itself through the employees and processes she built with new people fitting into the puzzle without her. Most places the culture does need to be maintained as you hire outside and they bring their own ideas and own ways of doing things but it seems Netflix hired under the assumption of do it my way in our existing system or GTFO.


If you were going to pay off an 18% credit card and had no hope otherwise, I might agree you should do this. 5.5% student loan, I wouldn't do it.  You have multiple issues going on. I would find a bank or broker that will keep the IRA with no fee. Zero. If you buy stocks, there might be a commission, but I'd stick with a low cost index mutual fund. At 10%, the account might double every 7 years, even 35 years till retirement offers 5 doubles or 32X your money. Literally, $100K more for retirement. As a semi-retired old guy, I thank my younger self for putting aside the $3000, so we have over $100K more now.  Your student loan is manageable. Save, enjoy yourself, but don't let $7500 at 5.5% keep you up at night.


Tim Ferris has some pretty good finance related episodes with hedge fund managers or personal finance authors (for e.g. the one with Ray Dalio or Tony Robbins).  They are not exclusively finance related but include some pretty in-depth conversations.  20-Minute VC is also great if you're interested in Venture Capital.


Aloe Vera is a natural plant which has many important features and is widely used in preparing cosmetics and medicines. There are many benefits of Aloe Vera in various medical treatments like Skin ailments, constipation, infections etc. For more Details call us on 0412 129 882.


"There is a distinction between putting a lot of hours into building a semi autonomous business and having your Accountant and Tax Lawyer find legal loopholes so you can avoid millions of dollars of debt again and again.  Then you are using the word ""passive income"" wrong.    ""What would become of an economy if 50% of a population decided they didn't like working and so took up speculating stock prices full time?""  50%+ of the population isn't intelligent enough to even do this.  The ones that are probably don't make much money.  It's a huge gamble.  What if 50% of the population decided to gamble in Vegas full time?  It's just as absurd.  ""Yes, it is ""smart"" to abuse every existing loophole, but it is not ethical and it is certainly not sustainable without being to the detriment of others. I prefer a system where people have integrity and where manipulating others is looked down upon, rather than admired.""  I still don't know where you even got this idea.  I've read the book and he doesn't even really talk about this.  ""but it is not ethical and it is certainly not sustainable without being to the detriment of others""  You're right, it isn't, which is why most people don't do it for a living."


Unfortunately 100% of these issues are directly related to private industry’s willingness to use any tool to get the upper hand.  It is unwise to hand the keys to thieves just because the cops are corrupt.  It is equally unwise to hand power to private corporations just because the government is corrupt.  However, as I have often noted before, when you find you are stuck between two disagreeable options, it means you are failing to observe all the variation and subtlety you can manipulate in between and around those options.  You are failing to see the middle ground AND your surroundings as opportunities.  There must be a measure that will satisfy both our views.  We must simply observe more nuances in our subject matter.  A quote I have heard from engineers:  “The hardest problem is framing the issue in such a way that it can be solved.”  a.k.a. our choice of perspective most often defines our limitations, and a change of perspective changes those limitations.


Wolfson/Cutler Real Estate distinguishes itself from other real estate companies in the area with a rich heritage of serving ALL the real estate needs of our valued customers in Medford, Malden and all the surrounding communities for over 65 years. We have satisfied thousands of customers, whether they be buyers or sellers.


"This is the best tl;dr I could make, [original](http://www.france24.com/en/20170828-pakistan-bank-faces-629mn-penalty-us) reduced by 74%. (I'm a bot) ***** > Its company secretary Nausheen Ahmad said the hefty fine - which if imposed would be the largest ever penalty handed out to a Pakistan bank - was &quot;Unjustified, capricious and unreasonable&quot;.  > The State Bank of Pakistan issued a statement late Monday saying it was aware of the situation and that there were no immediate risks to HBL&#039;s operations and Pakistan&#039;s banking industry.  > &quot;State Bank of Pakistan reiterates its determination to protect the interests of depositors and to protect the health and safety of the country&#039;s banking system,&quot; it said.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6wmzcy/pakistan_bank_faces_629mn_penalty_in_the_us/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~200121 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*: **bank**^#1 **Pakistan**^#2 **branch**^#3 **HBL**^#4 **financial**^#5"


"There are many different kinds of SEC filings with different purposes.  Broadly speaking, what they have in common is that they are the ways that companies publicly disclose information that they are legally required to disclose.  The page that you listed gives brief descriptions of many types, but if you click through to the articles on individual types of filings, you can get more info. One of the most commonly discussed filings is the 10-K, which is, as Wikipedia says, ""a comprehensive summary of a company's financial performance"".  This includes info like earnings and executive pay. One example of a form that some people believe has potential utility for investors is Form 4, which is a disclosure of ""insider trading"".  People with a privileged stake in a company (executives, directors, and major shareholders) cannot legally buy or sell shares without disclosing it by filing a Form 4.  Some people think that you can make use of this information in the sense that if, for instance, the CEO of Google buys a bunch of Twitter stock, they may have some reason for thinking it will go up, so maybe you should buy it too.  Whether such inferences are accurate, and whether you can garner a practical benefit from them (i.e., whether you can manage to buy before everyone else notices and drives the price up) is debatable. My personal opinion would be that, for an average retail investor, readng SEC filings is unlikely to be useful.  The reason is that an average retail investor shouldn't be investing in individual companies at all, but rather in mutual funds or ETFs, which typically provide comparable returns with far less risk.  SEC filings are made by individual companies, so it doesn't generally help you to read them unless you're going to take action related to an individual company.  It doesn't generally make sense to take action related to an individual company if you don't have the time and energy to read a large number of SEC filings to decide which company to take action on.  If you have the time and energy to read a large number of SEC filings, you're probably not an average retail investor.  If you are a wheeler dealer who plays in the big leagues, you might benefit from reading SEC filings.  However, if you aren't already reading SEC filings, you're probably not a wheeler dealer who plays in the big leagues. That said, if you're a currently-average investor with big dreams, it could be instructive to read a few filings to explore what you might do with them.  You could, for instance, allocate a ""play money"" fund of a few thousand dollars and try your hand at following insider trades or the like.  If you make some money, great; if not, oh well.  Realistically, though, there are so many people who make a living reading SEC filings and acting on them every day that you have little chance of finding a ""diamond in the rough"" unless you also make a living by doing it every day. It's sort of like asking ""Should I read Boating Monthly to improve my sailing skills?""  If you're asking because you want to rent a Hobie Cat and go for a pleasure cruise now and then, sure, it can't hurt.  If you're asking because you want to enter the America's Cup, you can still read Boating Monthly, but it won't in itself meaningfully increase your chances of winning the America's Cup."


"Employers are not supposed to give cash gifts to their employees, even if you try to call it a ""gift"" for tax purposes. Presumably, the reason your wife's employer gave her cash was to be nice and save her taxes on that amount. Her employer already paid tax on that money so that your wife doesn't have to. If she plans to declare it anyway, then she should instead give it back and ask for it to be added to the W2 as an end of year bonus. This way her employer could then deduct the payment and pay her a larger amount of money. (The additional amount would be approximately their tax rate minus about 7.45% for FICA.) In fact, if your wife's tax rate is more than 15% lower than her employer's, then this is actually mathematically best for both parties."


Fuccillo Automotive Group is one of the largest auto groups in the United States and we are expanding rapidly in the Florida market as the #1 Kia Dealer in the WORLD! We offer first class sales and service for our valued customers. We also uphold integrity in our business practices through a staff of experienced and qualified employees.


"UPDATE: Unfortunately Citibank have removed the ""standard"" account option and you have to choose the ""plus"" account, which requires a minimum monthly deposit of 1800 sterling and two direct debits. Absolutely there is.  I would highly recommend Citibank's Plus Current Account.  It's a completely free bank account available to all UK residents. http://www.citibank.co.uk/personal/banking/bankingproducts/currentaccounts/sterling/plus/index.htm There are no monthly fees and no minimum balance requirements to maintain.  Almost nobody in the UK has heard of it and I don't know why because it's extremely useful for anyone who travels or deals in foreign currency regularly. In one online application you can open a Sterling Current Account and Deposit Accounts in 10 other foreign currencies (When I opened mine around 3 years ago you could only open up to 7 (!) accounts at any one time). Citibank provide a Visa card, which you can link to any of your multi currency accounts via a phone call to their hotline (unfortunately not online, which frequently annoys me - but I guess you can't have everything).  For USD and EUR you can use it as a Visa debit for USD/EUR purchases, for all other currencies you can't make debit card transactions but you can make ATM withdrawals without incurring an FX conversion. Best of all for your case, a free USD cheque book is also available: http://www.citibank.co.uk/personal/banking/international/eurocurrent.htm You can fund the account in sterling and exchange to USD through online banking.  The rates are not as good as you would get through an FX broker like xe.com but they're not terrible either. You can also fund the account by USD wire transfer, which is free to deposit at Citibank - but the bank you issue the payment from will likely charge a SWIFT fee so this might not be worth it unless the amount is large enough to justify the fee. If by any chance you have a Citibank account in the US, you can also make free USD transfers in/out of this account - subject to a daily limit."


That's easy, keep making the payments and go on with life. The number that matters more than loan/market value is loan/equity. As long as you can sell it for enough to pay the balance on your loan you should be okay. Not saying it doesn't suck, but financially you are fine. If you owe more than the house is worth, I'd suggest paying it down as quickly as possible to fix that ratio to reduce your financial risk in case you lose your source of income. Personally, I think it is pretty slimy for people to walk away from house notes or try to short sell them when they can afford to continue payments just because the market value of the house fell.  How would you feel if, when house prices were skyrocketing, the bank canceled your loan and repossessed your house because they could resell it for more money? (not that they could realistically, just speaking hypothetically.)


Considering how expensive insurance is now, We need to try single payer and any other means to lower our costs.  The problem today is that people without healthcare (e.g. Do not seek healthcare when a low cost option would work).  The result is that by the time uninsured go to the hospital it is very expensive. What we have today is not working, we should not have to pay 18-20% of our income to get health insurance.


The only legit criticism of this that I can see is employees are not compensated for wear and tear or gas. That's such a tiny thing though, and extremely common. I'm not sure this is really a wise business move, but no need for pitchforks (or rather, no additional need for pitchforks over the standard level appropriate for Walmart employee practices).


Yeah our government is an absolute mess now. I don't blame people for shaming the rich, as the corruption is visible in all sorts of industries. It is not, however, an inevitable consequence of capitalism. *Crony capitalism* is the result of a corrupt government, not unadulterated capitalism.  If individual liberties were protected above all else, no businesses had any part to play in the ways in which they were governed, then we might just see a system that works. Not going to happen though.


Who do you think the Missile defense system is supposed to protect? South Korea. You would think they would help flip the bill instead of American tax payers. I would be ok if we drew our entire military presence from SK.


Interior And Exterior Designer In Mumbai AT THE HEART OF DESIGN  We Are Leading Interior And Exterior Designer In Mumbai.  What sets Mumbai-based, luxury interior designer, Sapphel Champanerii, a class apart from her contemporaries, is her uniquely signature interpretation of design.  Breathing life into spaces is hygiene to her but what makes her designs come alive is the intricate detailing and mesmerizing interpretation of design that accents everything she undertakes. Her designs are a skillful synthesis of aesthetics and science.  Ask her the secret and she confesses- her designs are shaped by her innate and intuitive understanding of her Client’s needs and yes, sometimes, quirks!  Whether it is through design decisions, color selections, or the creation of an atmosphere that enriches their daily lives, our job is to not only make our clients feel good, but to also provide them with a functional, safe environment that will enable their organization to operate as efficiently as possible. The interior design of a space provides our clients with a personal connection to their environment through furniture, textures, colors and spatial arrangement.  We understand that most homeowners don’t undertake major exterior replacements and redesign projects more than once, and that’s why our goal is to help you get it right. Our comprehensive process not only ensures your 100 percent satisfaction with the project, but also guarantees that you’ll fall in love with your home all over again!


I'd probably call it an intangible or indirect benefit. Not sure what the trade term is.


In the case of VFIAX versus VOO, if you're a buy-and-hold investor, you're probably better off with the mutual fund because you can buy fractional shares. However, in general the expense ratio for ETFs will be lower than equivalent mutual funds (even passive index funds). They are the same in this case because the mutual fund is Admiral Class, which has a $10,000 minimum investment that not all people may be able to meet. Additionally, ETFs are useful when you don't have an account with the mutual fund company (i.e. Vanguard), and buying the mutual fund would incur heavy transaction fees.


Yes, there are very lucrative opportunities available by using financial news releases. A lot of times other people just aren't looking in less popular markets, or you may observe the news source before other people realize it, or may interpret the news differently than the other market participants. There is also the buy the rumor, sell the news mantra - for positive expected information (opposite for negative expected news), which results in a counterintuitive trading pattern.


"A lot of investors prefer to start jumping into tools and figuring out from there, but I've always said that you should learn the theory before you go around applying it, so you can understand its shortcomings.  A great starting point is Investopedia's Introduction to Technical Analysis. There you can read about the ""idea"" of technical analysis, how it compares to other strategies, what some of the big ideas are, and quite a bit about various chart patterns (cup and handle, flags, pennants, triangles, head & shoulders, etc). You'll also cover ideas like moving averages and trendlines. After that, Charting and Technical Analysis by Fred McAllen should be your next stop. The material in the book overlaps with what you've read on Investopedia, but McAllen's book is great for learning from examples and seeing the concepts applied in action. The book is for new comers and does a good job explaining how to utilize all these charts and patterns, and after finishing it, you should be ready to invest on your own.  If you make it this far, feel free to jump into Fidelity's tools now and start applying what you've learned. You always want to make the connection between theory and practice, so start  figuring out how you can use your new knowledge to generate good returns.  Eventually, you should read the excellent reference text Technical Analysis of the Financial Markets by John Murphy. This book is like a toolbox - Murphy covers almost all the major techniques of technical analysts and helps you intuitively understand the reasoning behind them. I'd like to quote a part of a review here to show my point:  What I   like about Mr. Murphy is his way of showing and proving a point. Let   me digress here to show you what I mean: Say you had a daughter and   wanted to show her how to figure out the area of an Isosceles   triangle. Well, you could tell her to memorize that it is   base*height/2. Or if you really wanted her to learn it thoroughly you   can show her how to draw a parallel line to the height, then join the   ends to make a nice rectangle. Then to compute the area of a rectangle   just multiply the two sides, one being the height, the other being   half the base. She will then ""derive"" this and   ""understand"" how they got the formula. You see, then she can   compute the area under a hexagon or a tetrahedron or any complex   object. Well, Mr. Murphy will show us the same way and   ""derive"" for us concepts such as how a resistance line later   becomes a support line! The reson for this is so amusing that after   one reads about it we just go ""wow..."""" Now I understand why   this occurs"". Murphy's book is not about strategy or which tools to use. He takes an objective approach to describing the basics about various tools and techniques, and leaves it up to the reader to decide which tools to apply and when. That's why it's 576 pages and a great reference whenever you're working.  If you make it through and understand Murphy, then you'll be golden. Again, understand the theory first, but make sure to see how it's applied as well - otherwise you're just reading without any practical knowledge. To quote Richard Feynman: It doesn't matter how beautiful your theory is, it doesn't matter how smart you are. If it doesn't agree with experiment, it's wrong.  Personally, I think technical analysis is all BS and a waste of time, and most of the top investors would agree, but at the end of the day, ignore everyone and stick to what works for you. Best of luck!"


"Term is the way to go. Whole/universal are basically a combo of term and savings, so buy term life insurance and invest the difference in cost yourself. You should make a lot more that way (as far as savings go) than by buying whole life. By the time term life gets too expensive to be worth (when you're a lot older) you will have enough saved to become ""self-insured"". Just don't touch the savings :) You really only need insurance when there is income to replace and debts to cover - house/mortgage, kids/school, job income, etc."


The Central Banks sets various rate for lending to Banks and Paying interest to Banks on excess funds. Apart from these the Central Banks also sets various other ratios that either create more liquidity or remove liquidity from Market.  The CPI is just one input to the Central Bank to determine rate, is not the only deciding criteria. The CPI does not take into account the house price or the cost of renting in the basket of goods.  One of the reasons could be that CPI contains basic essentials and also the fact that it should be easily mesurable over the period of time. For example Retail Price of a particular item is easily mesurable. The rent is not easily mesurable.


If this happens, the solution isn't to force people to use sidewalks. It's to take the approach of London and make crossing at any point legal, and have it be the drivers responsibility to not hit people.  Laws in many cases are better when they reflect reality (and thus ease enforcement) rather than trying to shoehorn something impractical into place.


I'd consider this offer. Keep in mind, any time you write a check, there's the information he's asking for.  If it makes you feel comfortable, use the small balance account, or set up a 4th one you'll use for these incoming deposits only.


Well I was trying to describe it very generally because I think if other people heard the idea especially on an business thread the idea would be taken easily. And the idea came to me about a month ago and I guess I didn't explain well but I was wondering what kind of homework I need to research. My intention was for people to give me an idea of where to start. I've already started to write out a business plan I just didn't know if there were places to go to find people to invest into it or not. And I'm totally fine with criticism and what not but the way he came out was actually humorous to me, to call someone's idea bad when you don't know what it is is just silly. Snapchat seemed like a stupid idea in my opinion. Why would I only want to see someone's picture for 10 seconds and it goes away forever? But hey that turned into gold. So you never know what can be successful and not these days and how are you supposed to find out without taking the risks and going for it. So I guess a specific question is, if I write a business plan, what is my next step, who do I show it to?


"**Vice Media**  Vice Media LLC is a North American digital media and broadcasting company. Originating from the Montreal-based VICE magazine co-founded by Suroosh Alvi, Shane Smith, and Gavin McInnes (who departed the company in 2008), VICE expanded primarily into youth and young adult-focused digital media, including online content verticals and related web series, the news division VICE News, a film production studio, and a record label among other properties. In 2015 VICE Media was called ""[arguably] a poster child for new-media success—especially when it comes to attracting a valuable millennial audience.""  In February 2016, VICE Media launched a cable television network in Canada and the United States known as Viceland—a millennial-targeted network which draws upon the resources of the lifestyle-oriented verticals of VICE. The Viceland TV channel currently operates in many international territories, with plans to expand to a total of 44 by the end of 2017. VICE Media broadcasts two news programs on HBO. VICE News Tonight, which premiered October 10, 2016, showcases a nightly roundup of global news, technology, the environment, economics, and pop culture while eschewing traditional news anchors.  ***  ^[ [^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)   ^] ^Downvote ^to ^remove ^| ^v0.23"


"As a minor you certainly can pay tax, the government wants its cut from you just like everyone else :-) However you do get the personal allowance like everyone else, so you won't have to pay income tax until your net income reaches £10,800 (that's the figure for the tax year from April 2015 to April 2016, it'll probably change in future years). Once you're 16, you will also have to pay national insurance, which is basically another tax, at a lower threshold. The current rates are £2.80/week if you are making £5,965 a year or more, and also 9% on any income above £8,060 (up to £42,385). Your ""net income"" or ""profits"" are the income you receive minus the expenses you have to support that income. Note that the expenses must be entirely for the ""business"", they can't be for personal things. The most important thing to do immediately is to start keeping accurate records. Keep a list of the income you receive and also the expenses you pay for hardware etc. Make sure you keep receipts (perhaps just electronic ones) for the expenses so you can prove they existed later. Keep track of that net income as the year goes on and if it starts collecting at the rate you'd have to pay tax and national insurance, then make sure you also put aside enough money to pay for those when the bill comes. There's some good general advice on the Government's website here: https://www.gov.uk/working-for-yourself/what-you-need-to-do In short, as well as keeping records, you should register with the tax office, HMRC, as a ""sole trader"". This should be something that anyone can do whatever their age, but it's worth calling them up as soon as you can to check and find out if there are any other issues. They'll probably want you to send in tax returns containing the details of your income and expenses. If you're making enough money it may be worth paying an accountant to do this for you."


"Mostly true, it is possible to make money on Uber. I made $350 on the 4th of July.  I uber part time, only during peak hours. And if its not ""hitting"" early I tend to give up.  I've tracked my expenses, my margin is about 55% (this is after the uber tax) and I can typically make $200~ on a Friday night.  Is it great money? Nope, but I like doing it too.  Now yes most Uber drivers would think its a cash cow are fucking morons."


INR held in an NRE account can be converted to non-Indian currencies without any problems. Converting money in an NRO account is more difficult but do-able. Whether it is wise for you to invest in a privately held company is a different issue.


Supply and demand?  A bad/poor taste joke, and I agree with its lack of relevance here in this sub, but I definitely agree with it, too. If you feel bad, and have a gun easily available, it is very easy to end your life with a twitch of the finger. If you don't have a gun, it can be much harder to make a snap decision with ease of execution (no pun intended, honestly) like suicide by firearm.


(My wife works for an insurance broker in the US, so take that grain of salt with my answer) Disability insurance covers your income should you be unable to work.  Some disability will be paid before social security (so you get both incomes) and some will be paid after (so your insurance will fill whatever gap SS leaves) Everybody in the US gets Social Security, which has a disability provision you can use.  The additional disability insurance is a good idea for people with a family who will rely on your income for the future, or even for yourself should you work in a dangerous position. My family has it, and we consider it essential for our well being, but I consider insurance on many things a necessity not a luxury.  (except pet insurance, I find that to be a luxury.)


And then there's Washington, DC, which subsidized fiber throughout the city but cannot lease it commercially due to red tape.  EDIT:  I hate making statements like this without support:  >  But it’s unlikely that we’ll see last-mile service directly from the District. That’s because the city’s franchise agreements with Internet service providers like Verizon and Comcast prohibit the District from competing with these companies by offering its own service.  [washingtoncitypaper.com](http://www.washingtoncitypaper.com/blogs/housingcomplex/2013/05/01/fiber-optical-illusion/)


Sears has pretty good prices on appliances, TVs, and sears/kmart's deals on video games are great (they go as far as to directly post to cheapassgamer.com, even). They have some good things about their business that they could focus on, get a little quality control/ratings on the resellers they have on their website and they might be able to get more success.


Your home doesn't belong to the partnership, it belongs to you. So you can (if qualified) deduct home office usage as a business expense on your individual tax return. Same goes to your partner. Similarly any other unreimbursed expense.


It would depend on a) Ones view on Markets and b) Ones nature. If one believes that the market would be going up in the near future then it would be best to buy all at once. If one believes the market is uncertain, it would make sense to invest over a period of time. If one is a disciplined investor and can stick to plan, it would make sense to invest over a period of time as the risk is generally less. How much less is again subjective. If one is not a disciplined investor then buying now and getting done with is a good idea.   As to exactly quantifying this is absolute number for future would not be possible. One can take the data from past, however it would work advantages if the prices moves up and disadvantages if the price moves down.


"Pretty much all of your list is on either HBO or AMC, and while they are making some fantastic stuff, that's two channels out of hundreds. I wouldn't even count HBO as ""tv"" either. Its not TV, its HBO."


Their net income hangs around zero because they raise expenses as reinvestment in the company (line items like $16.09B in Research & Development expense last year).  Retained earnings is a balance sheet item reflective of assets they're holding for projects in a later fiscal period; they aren't waiting for the next period to reinvest.


This does feel like market penetration pricing, though. Amazon is hungry for market share, benefitting customers is a side-effect. No doubt things will stabilize once they hit the market share they want.   Though I'd also like to think that due to their diverse portfolio, they are keeping prices low because they have the risk-bearing revenue streams to do so!


"According to the FAFSA info here, they will count your nonretirement assets when figuring the EFC. The old Motley Fool forum question I mentioned in my comment suggests asking the school for a ""special circumstances adjustment to your FAFSA"".  I don't know much about it, but googling finds many pages about it at different colleges.  This would seem to be something you need to do individually with whatever school(s) your son winds up considering.  Also, it is up to the school whether to have mercy on you and accept your request. Other than that, you should establish whatever retirement accounts you can and immediately begin contributing as much as possible.  Given that the decision is likely to be complicated by your foreign income, you should seek professional advice from an accountant versed in such matters."


One key piece missing from your theory is the bid/ask spread. If you buy a stock for $10, you usually can't immediately turn around and sell it for $10. You can only sell it for whatever someone is willing to pay for it.  So virtually any random investment (stocks, bonds, forex, whatever) immediately loses a small amount of value, and over the long run you will almost certainly lose money if you buy/sell at random.


"Incremental profit, not revenue. If the incremental profit I project from an additional hire is greater than the cost. Taxes drive the cost up and the profit down, depending on the tax. Saying ""I will hire no matter what taxes are levied against me"" is just as ridiculous as saying ""I will not hire if one cent is levied against me"".   At the end of the day, profits are the source of future expansion and investment (we are not publicly traded). Taxes effectively reduce the amount we have left to invest. They do not reduce this amount to zero, but they do reduce it.   You are right to imply that I want the business to grow constantly, but that requires investment of actual money before the top or bottom line impact happens, months or years in advance. Sometimes, you take a risk that doesn't pan out, and that money is gone forever. Sometimes it develops into a profitable segment of the business. In wither case, taxes reduce the chunk of change we can use for this kind of activity.  I sense latent hostility in your phrasing, but I hope I am wrong. It feels like you are accusing me of making a profit, but I openly admit to making a profit. I do not view this as something bad. It is profitability that allows me to increase salary and benefit levels for employees, try to continually improve working conditions, invest in new equipment, spend on r&amp;d to make better products, and of course increase my personal income.  I try to align the way in which i make money personally with constantly making customers and employees happier. Happy customers means more revenue and happy employees means better processes, better ideas, and more profit. I don't view this as bad, and I hope I read emotion into your comment that you did not mean. If so, I apologize in advance, but if you did mean to be hostile, I hope you at least understand where I am coming from now.  Edit: grammar"


You don't say your level of consumer debt.  You don't say how much of an emergency fund you have. If you have debt, pay it off before you invest.  If you don't have an emergency fund (X months' expenses, pick your own X) get that before investing. If you have neither, get a small emergency fund, and then throw as much as you can to getting rid of debt. Beyond that, look for prudent investments.  They're not the same as conservative investments. To know what's prudent, learn about the ones you listed and what determines their prices.  Learn how or why they go up or down in value.


Most of the years I filed while a non-resident of the US, I didn't owe a dime to the US government. Same was actually true for Canada, though I did have some income there that was eligible for taxation. AFAIK, even if I hadn't, I would have been required to file, but perhaps that isn't necessary for everyone.


A wealth tax would help a lot more. Also, equalizing the rate on earned and unearned income would help.  Combine the two and there would be no revenue problem.  Next, dismantle the standing army. Problem solved. We've created a problem with a very easy solution. We're dumb.


... yes you do, that is exactly how our system is set up... that is basically the whole point of the judicial branch...   The whole point is that the legislative branch has to do something in order to balance the system, but if they don't do anything that doesn't stop the rest of the government from using their constitutional powers...


Which will almost certainly cause more of a real estate bubble in the urban core.  If you can't afford to live there you don't get a good job and the local councils will strike down attempts to build more housing.  This will not end well.


"Kudos for wanting to start your own business.  Now let's talk reality. Unless you already have some kind of substantial track record of successful investing to show potential investors, what you want to do will never happen, and that's just giving you the honest truth. There are extensive regulatory requirements for starting any kind of public investment vehicle, and meeting them costs money.  You can be your own hedge fund with your own money and avoid all of this if you like.  Keep in mind that a ""hedge fund"" is little more than someone who is contrarian to the market and puts their money where their mouth is.  (I know, some of you will argue this is simplistic, and you'd be right, but I'm deliberately avoiding complexity for the moment) The simple truth is that nobody is going to just give you their money to invest unless, for starters, you can show that you're any good at it (and for the sake of it we'll assume you've had success in the markets), and (perhaps most importantly) you have ""skin in the game"", meaning you have a substantial investment of your own in the fund too.   You might have a chance at creating something if you can show that whatever your hedge fund proposes to invest in isn't already overrun by other hedge funds.  At the moment, there are more mutual and hedge funds out there than there are securities for them to invest in, so they're basically all fighting over the same pie.  You must have some fairly unique opportunity or approach that nobody else has or has even considered in order to begin attracting money to a new fund these days.  And that's not easy, trust me. There is no short or easy path to what you want to do, and perhaps if you want to toy around with it a bit, find some friends who are willing to invest based on your advice and/or picks.  If you develop a track record of success then perhaps you could more seriously consider doing what you propose, and in the meanwhile you can look into the requirements for laying the foundations toward your goal. I hope you don't find my answer cruel, because it isn't meant to be.  I am all about encouraging people to succeed, but it has to start with a realistic expectation.  You have a great thought, but there's a wide gulf from concept to market and no quick or simple way to bridge it. Here's a link to a web video on how to start your own hedge fund, if you want to look into it more deeply: How To Legally Start A Hedge Fund (From the Investopedia website) Good luck!"


There's huge slack in Asia it still needs to absorb before it has to worry about dilution. This was a record number, but it was only 9% growth over last year, and half were in ASPAC. As china's financial sector booms it's natural that the number of people there sitting for the CFA would explode as well.


> Have enough funds to run the business and pay yourself the first year, plus 30%  This is going to vary wildly depending on the particular business.  So much so that a rule of thumb would be impossible to define.


pay off loans first, then invest. it's a guaranteed benefit. you could invest it and make great returns, or you could watch the market crash the next day and there goes your savings. no guarantee exists there. take the sure thing. that's my two cents.


Well, when it comes down to it, it's not so much class, demographic, or belief system, as it is people I like. I'm certainly less likely to 'like' certain types of people, but I would rather be surrounded on a daily basis with people I'm comfortable with, and who I respect.   In a business setting, it would also be nice if they were effective at their job.


Even where national law might allow such a practice, the law in an individual province or state (either for issuing or receiving bank) might not; or if that does then the receiving bank may have its own regulations or compliance practice which may not permit them to accept an altered cheque.  In any case, printed numbers are usually machine-readable, and a corrected cheque would not be.  The question needs a specific answer which addresses the specific circumstances involved (which are not stated, at the time of writing this), but for the general question “Should I alter a printed cheque?” the answer must be no. Cheque numbers are used for identification of the cheque. In many cases, there is no verification of uniqueness and it would be perfectly acceptable simply to use cheques with duplicate numbers: a cheque is merely an order to the bank to make a payment. But you would not be able to identify a particular payment on your statement, and neither would the issuing bank if you wanted one stopped. Where the number is verified as unique, then clearing the payment may be refused or at best delayed in order to be queried. Making an obvious amendment to a cheque’s details is likely to raise a red flag. The receiving bank would not be able to tell if you did it, or the payee; they would not know why. They may suspect that it was done in order to render the cheque unidentifiable [even though the opposite is in fact the case] and refuse to accept it. They may refuse to accept it because it could not be read automatically. Any refusal would sour your relationship with your payees. Presumably your printing house (or your bank, if they printed them) has made the error: raise it with them and have them reprint the batch. Ask your bank what to do with the incorrect cheques: they may want them returned to the bank, or they may be happy for you to keep (and even use) them. If the latter, I suggest you shred them.


"The difference between being the first result on Google vs. the second can mean hundreds of thousands or even millions of dollars depending on the value of the search. 42% of people won't go past the third result.   Yelp is a popular site but has yet to make money and may never have the chance now that Google has started putting its Google Places results before Yelp's for local searches like ""Italian food downtown Chicago.""   I like Google Flight and I'm glad I found out about it. The consumer tends to win in these scenarios."


Prices vary massively depending on what needs to be done.  Could be as little as $100 for a press release to $10,000 per month retainer.  What we can do for you is contact any journalist that has written about BBQ sauces in the last 6 months, and target specific regions if necessary.    We can also do manual blogger outreach to gain coverage in the specific niches that may not give you lots of impressions, but are highly relevant.  Yeah you can do outreach yourself, but it makes sense to outsource it to focus on more important things like making quality sauce


90% fail 10% success  Just plug in some odds, because most of this is made up and a bunch of bologna anyway. Put a field in for their hurdle rate in the Excel spreadsheet and have your model always project 5% above their hurdle rate.


This one was a dead one, and Amazon's only using half of it.  If Amazon's reputation is any guide, the mall won't be the only dead thing that was on that site.  As noted above, it is highly unlikely to see anyone there working directly for Amazon.


"I'm a contractor, and I usually throw in a extra few hours for free during the week. A lot of us do. You want the employer to know that you're willing to put in the effort to help them succeed.        On the other hand, if they asked me to work a specific amount of OT a week, I'd get time and a half.       And most companies aren't going to work you 7 days a week,, 10 hours a day. Maybe around crunch time, but the rest of the time work is pretty normal. When my company's gearing up for a new project, I usually have a few weeks where work is minimal, and I have very little to do. I figure it balances out. Although I thought the end of the article was pretty funny. Like it was a high school guy saying ""Oh, yeah, well I knew a guy who worked so hard he dropped dead. So there!."""


Brokerage->Brokerage 13-16 The loss from the previous purchase will be added to the cost basis of the security for the second purchase. Since you sold it at a loss again it would increase your losses. Your loss from the first sale will be disallowed. Your loss will be added to the cost basis of the next purchase. Your gains will be taxed on the total of the cost basis which will reduce your gains. Which you will taxed 'less'. Your gains will be taxed. Your loss is allowed. You will be taxed on both.  Wash Sales really only applies to losses. If you sell for gain, the tax man will be happy to take his share. From my understanding, it does not matter if it is IRA or Brokerage, the wash sale rule affects them all. Check this link: http://www.marketwatch.com/story/understanding-the-wash-sale-rules-2015-03-02


I've been looking for a Zildjian documentary that I saw on the TV a couple years ago. Can't seem to find it. It had a bunch of drummer greats playing and talked about the history and production.  I would love if someone could source it for me.  Edit: I think it's a Sabian doc for bravo Canada.


"It's better than nothing.  They have 145 million people.  My guess is they'd dump the frozen ones and not go through the hassle. Now if only Equifax would allow me to freeze.  Tried throughout the day Thursday and the web and phone system were glitched to hell.  Equifax admitted to ""One Hour.""  BS.  It was all day."


Your priorities should be: If you end up with additional debt from, say, credit cards, you should probably try to get rid of that first, as it's almost certainly at a higher interest rate than a subsidized student loan. Because you actually have a grace period, I assume these are Federally subsidized loans. Note that there are alternative payment plans available if you are unemployed/underemployed that you should take advantage of, if need be. See Income-based Repayment and related pages for details.


"If it is planned, then one can get a Bankers Check payable overseas; if destination is known. 1.) What will happen to the money? It will eventually go to Government as escheating. Unlcaimed.org can help you trace the funds and recover it. 2.) Will the banks close the accounts?   3.) After how much time will the banks close the accounts? Eventually Yes. If there is no activity [Note the definition of activity is different, A credit interest is not considered as activity, a authentic phone call / correspondence to change the address or any servicing request is considered activity] for a period of One year, the account is classified as ""Dormant"". Depending on state, after a period of 3-5 years, it would be inactive and the funds escheated. i.e. handed over to Government. 4.) Is there anything else to do? Any ideas? Before leaving? Try keeping it active by using internet banking or credit / debit cards linked to the account. These will be valid activities.  5.) Is there any way to send a relative to the US with any kind of paper of power, to unfreeze the accounts? 6.) The banks say they would need a power of attorney, but does that person actually need to be an attorney in the US, or can it simply be   a relative WITH a paper (a paper that says power of attorney) or what   is a power of attorney exactly, is it an actual attorney person, or   just a paper? 7.) Is there any other way to unfreeze the accounts? Although I can confirm first hand; I think there would be an exception process if a person cannot travel to the Bank. It could even be that a person is in some remote state, not well etc and can't travel in person. I think if you are out of country, you could walk-in to an US embassy and provide / sign relevant documents there and get it attested. Although for different purpose, I know a Power of Attorney being created in other country and stamped / verified by US embassy and sent it over to US. This was almost a decade back. Not sure about it currently."


Might make more money if they partnered with ISPs and got a share of their revenue, since Netflix is basically a feature of the product that ISPs are selling, and we (mostly) assume everyone watching Netflix (legal or otherwise) has an internet connection.


Just as the redistricting process redraws battle lines to strengthen incumbents, so will Samsung, Google and Apple raise ever bigger walls around their gardens.  Once the common enemy in Apple is vanquished, Samsung and Google will probably turn on each other. Waiting with my popcorn for that fight.