>Nail holes.  If they were the small picture hanging nail holes and there were only a couple of them then it would be normal wear and tear.  If they used  regular nails to hand them then no, that's a misuse.  If there were a lot of nail holes (think a collage of 15 pictures all together on one wall) then it is not normal wear and tear.  >The stains were small discolorations, not big purple splotches of wine.  Stains are never considered normal wear and tear.  Stains are excessive.  >The carpet was old when they got there also  Was it in good shape or poor shape?  If it was fraying and had worn paths in it when they arrived then I would make an argument stating that the carpet was is disrepair to begin with.


No, Q4 was at 2.1% as part of the break from the norm (annually was the five year low of 1.6%). The reversal of a trend and upward forecasting does indicate expansion. The fact that unemployment is at a 16 year low is what makes it a bigger deal because it's sustainable.


"There is an economic principle called ""non-satiation,"" which translated into plain English means ""people always want more."" (This was best illustrated in the movie, Oliver Twist, ""Please sir, can I have MORE?"") Over time, most people won't be satisfied with ""things as they are."" Which is why growth is so important. Many behavioral economists would argue that it is not the LEVEL of utility, but rather the utility CHANGES (in calculus, ""deltas"" or ""derivatives"") that make people happy. Or not."


> Just like you don't wear hockey skates to play football, you don't wear stupid looking shoes to work in finance.  Did you respond to the wrong person?  I'm the one making fun of people wearing dumb as fucj square toed shoes here lol.   My comment was that if the person above thinks I have a stick up my ass for making fun of his dumb as fuck shoes, he's too insecure to be in finance.


Good read. I do wish there were more stats on the issues associated with geographic concentration touched upon in the article. For example, how are the economic gains of being in an urbanized environment mitigated by the costs associated with traffic jams, urban poverty and crime? What would happen to the economy of the US if those inefficient small cities kept declining, how would it have to change?


Thanks for responding. Ive been weighing my options and i still have quite a ways to go before im MIG/TIG/stick certified. But i am actually leaning more towards focusing on welding first and foremost because its faster money. If i get on my cousins crew i could potentially make close to 50-60k my first year (and thats just as a welders helper, not an actual welder) therefore, theres potential to advance to an actual welding job where i could make 100k+ (hopefully i have some luck and get that opportunity early in my career).  That will give me time to pay off my student loans, all the money my family has helped me with, buy a house which will eventually become another income, and even save A LOT after thats all paid off! I think thats the safer option for me starting off and then ill have more money to invest in local buisnesses such as the pizza joint and most likely open a welding shop a little later. I just need to bust ass and make as much money as possible for the next 4 or 5 years so i can settle down and not travel for work as much.   Nothing is set in stone yet and obviously im weighing all options but i wanted to get opinions on the subject. Especially because the pizza joint expanding idea was just presented to me the other day.


"Yes, you would pay no taxes at the time of purchase. In fact, this is not uncommon. Many early employees of startup companies are offered stock options that can be ""early-exercised"" (exercised before they vest). In such a case, an employee who exercises immediately upon grant (and assuming the exercise price of the option is the FMV at the time of grant) purchases the stock at FMV, and there no no tax paid when filing 83(b) election."


If you want to maximize your expected benefits, at minimal risk of financial repercussions or sleepless nights, I would suggest the following. Send an email explaining the situation, and announce that you plan to use the points if they do not advise otherwise. Here is an example message: Dear sir/madam, I recently contacted your helpdesk to mention that I believe my points   balance is higher than it should be, and I was told that I could   consider the extra points a gift. I assume that settles it, but in   case I am mistaken please contact me within 4 weeks. My customer   number is xxxx. Kind regards, Note that it is no problem if they don't reply, but you may want to push for a (possibly automated) confirmation of receiving your message.  I would not be surprised if they still reduce your balance sometime in the future, but you should be reasonably covered if they try to reclaim any points that you already spent.


"Dividends are one way to discriminate between companies to invest in. In the best of all worlds, your investment criteria is simple: ""invest in whatever makes me the most money on the timeline I want to have it.""  If you just follow that one golden rule, your future financial needs will be taken care of! Oh... you're not 100% proof positive certain which investment is best for you?  Good.  You're mortal.  None of us magically know the best investment for us.  We wing it, based on what information we can glean.  For instance, we know that bonds tend to be ""safer"" than stocks, but with a lower return, so if something calls itself a bond, we treat it differently than we treat a stock. So what sorts of information do we have?  Well, think of the stock market linguistically.  A dividend is one way for a company to communicate with their stockholders in the best way possible: their pocketbooks.  There's some generally agreed upon behaviors dividends have (such as they don't go down without some good reason for it, like a global recession or a plan to acquire another company that is well-accepted by the stockholders).  If a company starts to talk in this language, people expect them to behave a certain way.  If they don't, the stock gets blacklisted fast.  A dividend itself isn't a big deal, but a dividend which isn't shunned by a lot of smart investors... that can be a big deal. A dividend is a ""promise"" (which can be broken, of course) to cash out some of the company's profits to its shareholders.  Its probably one of the older tools out there (""you give investors a share of the profits"" is pretty tried and true).  It worked for many types of companies.  If you see a dividend, especially one which has been reliable for many years, you can presume something about the type of company they are. Other companies find dividend is a poor tool to accomplish their goals.  That doesn't mean they're better or worse, simply different.  They're approaching the problem differently.  Is that kind of different the kind you want in your books?  Maybe.  Companies which aren't choosing to commit a portion of their profits to shareholders are typically playing a more aggressive game.  Are you comfortable that you can keep up with how they're using your money and make sure its in your interests?  It can be harder in these companies where you simply hold a piece of paper and never get anything from them again."


Typically, a direct debit is set up by the company who will be receiving the money, not by you or your bank. So you need to contact your credit card company, and ask them to set up the direct debit.


It's called carry-trade. They can borrow from governments that have 0% int rates, exchange it for dollars, and then buy u.s. treasuries. Japan would never ever raise their interest rates as their economy runs on keynesian fumes.


"The prices we pay for goods and services aren't set by our levels of income. Why should the compensation we owe the community in taxes?  LVT and rent(along with their capitalisation into selling prices) are economically one and the same thing. The only difference is who collects.  If LVT is an ""Income Tax"", then so is rent or mortgage repayments. In fact paying for anything is an ""Income Tax"".  The LVT is merely the way by which we equally share the value derived from scarce natural resources. If we don't do that then inequality and dysfunction are baked into our economies and societies.  LVT doesn't tax the wealth people create from land but taxes the wealth creating potential of land. It is the arbitrariness of taxing incomes, capital and transactions that causes deadweight losses, whereas the LVT has none.    This is because it is set by market (not levels of income) as the amount an individual or firm is prepared to pay for exclusive use of that location. So if you cannot pay the LVT then someone else will.  That is not only fair, but the optimally efficient way of allocating resources.  This is how a capitalist, free market based economy is supposed to work. Those that opposed the LVT are nothing but Blue Socialists."


"This is the best tl;dr I could make, [original](http://www.higherrockeducation.org/blog/chinas-new-silk-road) reduced by 88%. (I'm a bot) ***** > China&#039;s New Silk Road For over 1,500 years the Silk Road provided land and sea trade routes that connected the East and West.  > What was the Silk Road Route, and how is that important today? The Silk Road traveled through areas that are today some of the most isolated and unstable regions of the planet - countries like Afghanistan, Somalia, Iraq, and Syria.  > China plans to invest $1.4 trillion in ports, railways, and pipelines of 68 nations along the old Silk Road. According to President Xi Jinping, One Belt, One Road will bring nations together in trade and encourage peace, stability, and economic growth.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6ji514/china_has_a_new_silk_road_in_the_present_day_is/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~152536 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*: **trade**^#1 **China**^#2 **Road**^#3 **Silk**^#4 **Agreement**^#5"


"Try doing a search for ""dry cleaner wicker park chicago"". The top 4 or 5 results in Google are Yelp results. In fact, try any Google search for a local service and put the neighborhood in the search. Google may use a different rating system for their local review site but they still give a tremendous amount of power to Yelp - especially for specific local searches."


For road trips we have the Tesla Superchargers.  They're fast-chargers spaced along all major highways in the US and Europe.    You're going to scoff at waiting 30-45 minutes for a charge, but again - it's only something you do on long trips.  The other 90% of your driving is wait-free.


I think you're not considering the opportunity cost of giving up your money early.  I'm not sure what the total money you have to spend, but spending extra on things you're going to buy later might not be the best choice.   Consider you could just get a credit card that does 3% (6% with fee) on groceries, 3% on gas, etc.  So you can make some money there without spending it all up front. Also, you could be turning that money into more money by investing it.  Assuming you're not going to just carry a balance and pay interest on the card, you have this cash on hand to invest. One more thing, I'm not sure of your financial situation but I don't think something like spending an extra 5k is a pittance to you (since you wanted $500 so badly).  Having the cash at hand has its own advantages even if you're just sitting on it. In short, consider if you want to follow through with this plan.  You can still keep the card.


My wife and I have done a good job teaching our daughter, now 15, that one does the right thing, simply because it's the right thing to do. This may not work for every child, but it did for us. Her motivation was never punishment, we explained that if she did the wrong thing, it's awful to have to live with that.  On one hand, THEAO's answer is correct, the stick the IRS wields is the audit and fines. I suppose from a legal standpoint, we comply with laws to avoid punishment. I find this to be unfortunate. To get back on topic - I started with an answer more appropriate to Parenting because I have a very precocious child for whom I addressed this question a decade ago. The latter portion of my response helps to give tangible benefits which have value even if less than the tax you might be paying.


"It's a pretty lengthy explanation but to put it into a few bullet points:  * Nuclear power produces zero carbon emissions * They take up the smallest amount of space relative to the energy produced compared to all other forms of power production * Nuclear power can utilize the existing infrastructure and provide ultra reliable, clean energy * Updating to current reactor technology largely reduces the ""radioactive waste"" problem (see fast breeder tech) * Updating to current reactor technology largely solves safety issues * Moving to next-gen MSRs (Molten-Salt Reactors) introduce a higher efficiency, ultra-safe design, with no risk of ""melt-down"" or concern about weapons conversions * Some MSRs ([such as a LFTR](https://www.nei.org/Issues-Policy/Protecting-the-Environment)) show signs of being potentially world changing and making energy ridiculously cheap with no radioactive waste  That's a primer to start. :)"


> I no longer have the fantasy belief that I can do better managing my money than professional investors  The pension fund probably lost about as much as your investments did, but they still had to pay out as if they were meeting their targets. I understand you weren't really offered a choice between a higher salary or a pension, so my observation is academic, but to me it just seems strange to believe that a company can pay you a fixed sum of money 30 years in the future.   Maybe it's just a generational thing but the whole idea of investing (figuratively) your entire future in a single company doesn't make sense to me. I actually think it's good in the long run that we're moving away from the work at one company your entire life model. Companies shouldn't be in the business of providing retirement benefits any more than they should healthcare plans, IMO.


See this spread sheet I worked up for fun.   https://docs.google.com/spreadsheets/d/1ZhI-Rls4FpwpdpEYgdn20lWmcqkIEhB-2AH0fQ7G2wY/edit?usp=sharing  If you are really crazy you can do what I did and model the rates (modified normal) and expenses (large items like the roofing being replaced on exponential) distribution and run a monte carlo simulation to get maximum likely losses by years and ranges of final values.  P.S. As a side note, this spreadsheet makes a lot of assumptions and I would consider it absolutely necessary to be able to build a sheet like this and understand all the assumptions and play with it to see how quickly this can turn into a losing investment before making any business investments.


When you take the self employed health care deduction on on Line 29 of form 1040 for 2010 it also will lower your self employment tax.  See line 3 of Schedule SE.  You report your net earnings from self employment less line 29 from 1040.


I'd agree it's something they're no good at, there's no reason to think they would be. Indeed, there aren't many good examples of nation building to point at, in that part of the world at least.   This again avoids the point, which is that military functions are being outsourced - I assume you really agree, and that to the extent there's a debate, it's only about the extent.


The idea of it being one state is kind of unrealistic, in terms of population it would be the same as 10 states. If you were to break the UK up into 10 states and add them to the US then London would be the richest state, many regions would be wealthier than the majority of the states. If you break it down into these regions http://en.wikipedia.org/wiki/List_of_OECD_regions_by_GDP_(PPP)_per_capita by GDP per capita it shows there would be 7 UK regions in the top 15 states.  edit: The link was messed up because it has brackets in it


Its important that you carefully read the agreement, if you accept the job. The options agreement will usually specify the vesting schedule, the strike price, and the number of options you will have.  When you start vesting options, you can choose to buy stock at the strike price. When you do exercise the options, your employer will likely withhold state and federal income tax. The strike price will hopefully be well below the market price.  Unlike stock, when your employment ends, you usually are not able to hold on to your options. There's typically a small window of time in which you can exercise your options. You should read this part of the agreement carefully and plan accordingly.


"In the article itself, it's stated:  *""Yale University, where we work, has a de minimis exposure to IEX through an investment by one of the university’s external managers.""*  I mean, that's pretty straightforward to me.  I promise you that Yale is also indirectly invested in every single public exchange out there."


The Brokerage firm will purchase shares for the dividend paid in a omnibus account for the security of the issuer and then they will distribute fractional shares among all their clients that chose Div Reinvest.  They will only have to buy 1 extra share to account for the fractional portion of what they allocate.  The structure of the market does not permit trading of fractional shares. There is generally not any impact to the market place for Div Reinvest with the exception of certain securities that pay large dividends that are not liquid. sometimes this occurs in  preferred securities where a large amount of Div reinvestment could create a large market order that has market impact.  Most brokers place market orders for the opening on the day following the payment of the dividend. When you sell the fractional portion same process as full shares are sold into the market and the fractional if traded between you and the brokers omnibus account.  if it creates a full share for the broker (omnibus has .6 shares and you sell him .5 they would likely flip that out to the street with the full share portion of your order. This would not have impact to outstanding shares and all cost are operational and with the broker handling the Div reinvestment service.


I feel really uneasy hearing people arguing about how to recalculate an indicator that does not predict anything. yes, the late 2000 financial bubble was a black swan with low probability of ever happening, but lighting can hit the same place twice.


Payroll taxes are only paid on salary, so you will be paying SS Tax and Medicare only on the $60,000 you pay yourself.  You will still pay income tax on the distribution, of course, but the payroll tax savings seem significant (~$13K according to the calculator below). While tinkering with a new web technology some time ago, I created this JsFiddle application.  I can't swear to its correctness, but I'm pretty sure it's solid (use the UI in the bottom right quadrant of the screen): http://jsfiddle.net/psandler/NKAZd/


One of the bigger issues facing the USPS is the fact that a couple of years ago they were forced to prepay on some of the benefits for retirees which is somewhat unprecedented. This kind of requirement, and the fact that the USPS is fighting other technologies to provide the same service. There shouldn't be any worry about privatizing or getting rid of them though since there would be too much blowback from any kind of policy trying to do so.


A tax is the wrong way to go. HFT does not create liquidity, it only creates arbitrage opportunities and is quite possibly illegal given current laws and regulation.  There needs to be a required minimum order time on market. HFT just naturally goes away if their orders have to hang out for 5 seconds.


If you had a trading system, and by trading system I mean the criteria setup that you will take a trade on, then once a setup comes up at what price will you open the trade and at what price you will close the trade. As an example, if you want to buy once price breaks through resistance at $10.00 you might place your buy order at $10.05. So once you have a written trading system you could do backtesting on this system to get a percentage of win trades to loosing trades, your average win size to average lose size, then from this you could work out your expectancy for each trade that you follow your trading system on.


The larger social change of commerce leaving main streets and going online is what's most interesting to me. But if you're more interested in whether certain stores will stay alive, even if that may mean a shrinking physical footprint in exchange for e-commerce, just follow the quarterly earnings instead.


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Idk why the comment before this got -10 and this one got +30 when it's all in the same vein...  Anyway... the truth of the matter is, regardless if Trump is correct or not, finding good solutions isn't about democracy. Democracy is about mitigating the risks of concentrated political power and granting the people a chance to influence the nation.   However... effective problem solving and finding the truth is about placing powerful people in their respective positions while considering their qualified opinions. Not everyone's opinion should matter... believe it or not.... democracy of capital causes misallocation. Democracy of information causes misunderstanding. And why? Because we have unqualified opinions. A doctor has a qualified opinion on health care and in a way so does a patient and perhaps an insurance company. But a plumber who spends little time with his children doesn't belong on the school board, and a teacher doesn't necessarily know anything about the coal industry.  In the end... our country is operated like a giant sub reddit where swarms of people upvote this and that just because they feel like it. We get a lot of important things right... but we get some critical things incredibly wrong... these stack up and produce problems of immense proportions with seemingly no answer... for example health care and the government's recommendation for diet in public schools (as obvious examples with simple solutions that no one likes or agrees with.)  Anyway... the whole nation is sick from head to toe. And the remedy is not democracy. Democracy is an inanimate tool. It is neutral. How we use it is how we benefit from it.


If it were my money, I wouldn't put it in a 401(k) for this purpose. If you were working at a company that provided 401(k) matching, then it might be worth it to put the money in your employer's 401(k) because the employer chips in based on what you put in. But you're self-employed, so there's no matching unless you match it yourself.  (Correct?) So, given that there's no matching, a 401(k) arrangement would have more restrictions than a non-tax-advantaged account (like a bank account, or a taxable money market account).  This would be taxable in the year you earn the money, but then that's it. If you're expecting to pull out the money pre-retirement, I wouldn't put it in in the first place.


There are lots of reasons why a crook would want you to do this: counterfeit check scam, laundering money, trying to get your account information, getting you used to doing questionable things and then escalating, seeing whether you're the kind of person to go along with bad ideas, etc.  There are not, however, much in the way of good reasons for it. I gather you can withdraw money from your bank without an ATM fee. This I am assuming from the fact that it is being proposed that you withdraw money from your account, and the fact that this is how pretty much all non-predatory banking works. If this person's bank won't let them withdraw money without a fee, something is seriously wrong, and they should get an account at your bank. Do they get charged for using a live teller as well? If not, how is getting money from you easier than getting it from a teller? How much is the fee? If the fee is $2, and you're making $10/hour, that's 12 minutes of wages. Does it take less than 12 minutes to complete this transaction (including the time this other person is spending)? This cartoon comes to mind: https://xkcd.com/951/


Whoops, an obvious one there. So much for audit! We were doing a Basel liquidity report at a bank. One set of numbers in Oracle always balanced with SAP. We were told to use their corrections to apply to the rest. It turns out that they ignored the transactions in Oracle and had loaded the balance sheet data from SAP in Oracle. Of course the data will match!


I'm a smoker and I don't see one moral point of view here one way or another, as people often try to paint it.   Would I vote for it? No, I don't want to pay more taxes.   Has the CDC issued reports that every $1 increase in cigarette prices leads to a significant decrease in smoking?  Yep.   Take it how you will. It's up to the people, that's what democracy is about.


Successful technology contractors* make far more than employees. The contractor market is getting oversaturated because more people want to do it and employers like it less and less. Problem is, the only time big employers are willing to hire contractors are when they're really good, so you really only get well paid contractors who find consistent work, and then a flood of contractors that have to get whatever work they can find.


Your 1099-B report for ADNT on the fractional shares of cash should answer this question for you.  The one I am looking at shows ADNT .8 shares were sold for $36.16 which would equal a sale price of $45.20 per share, and a cost basis of $37.27 for the .8 shares or $46.59 per share.


Sure. Depending on how you configure your order, it will either be fulfilled partially or wait until it can be fulfilled. You can set a time limit on your order (usually its either 1 day or 60 days, but may vary between brokerages), and allow or disallow partial fulfilment.


We don't have to think these things among ourselves. Academic economists have been thinking these things for  for us.   Have you ever wondered why large corporations exist and why not just have markets to direct resources? The Economist has great series called Six big ideas. First in the series is [Coase’s theory of the firm](https://www.economist.com/news/economics-brief/21725542-if-markets-are-so-good-directing-resources-why-do-companies-exist-first-our) It explains the basic outline of  the  theory of the firm.


"And he pays taxes which contribute to that, in an absolute dollar amount he probably pays more than most reddiors do combined and since his income is from a company and not capital gains his tax rate is definitely above 30% thus providing for the next generation.   He's not suggesting that he shouldn't pay any taxes at all, just not INCREASED taxes or liabilities. Those roads, schools, police were all funded just fine before this debate started--- not to mention these are all local taxes and the increased liabilities we are talking about are federally mandated, not locally.   We have a spending problem not a revenue problem, and the solution begins with gutting military spending and it ends with a very serious discussion and long term look at social security and medicare. It's only when the government wants military AND those other services that private individuals and industries are squeezed with additional overhead cost liabilities.   Thing is this guy has done what he has done for 40+ years and has seen 5-10 presidential administrations and the message and policy goals change everytime. His resistance is related to additional burdens put on him and his company. It is then his responsibilty to decide whether that extra weight is worth it... plain and simple... just as you would do... just as any company would and does do.   This particular event has been sensationalized by his own and observer's emotions, but I don't think he's in the wrong here. Most of the people criticizing him will never come anywhere close to contributing in tax revenue the amount that he does, not to mention jobs.   We need more passionate people sparking debate, but unfortunately so many people, on reddit especially feel the economy, government and business has not served them well, but the government is the only one offering them the ""promise"" of a tiny bit better. Private industry cannot yield confidence or national attention the way the government can, but the government is notoriously inefficent at distibuting and administrating programs. But the net result is people will vote for a populist agenda such as letting young people stay on their parent's health insurance, while living at home, when what they really want is a $75,000 - 100,000/year job and the freedom that brings to go after your ambitions."


Two different takes on an answer; the net-loss concept you mentioned and a core-business concept. If a store is actually a net-loss, and anybody is willing to buy it, it may well make sense to sell it.  Depending on your capital value invested, and how much it would take you to make it profitable, it may be a sound business decision to sell the asset.  The buyer of the asset is of course expecting for some reason to make it not a net loss for them (perhaps they have other stores in the vicinity and can then share staff or stock somehow). The core-business is a fuzzier concept.  Investors seem to go in cycles, like can like well-diversified companies that are resilient to a market downturn in one sector, but then they also like so-called pure-play companies, where you are clear on what you are owning.  To try an example (which is likely not the case here), lets say that Sunoco in 5% of its stores had migrated away from a gas-station model to a one-stop-gas-and-repairs model. Therefore they had to have service bays, parts, and trained staff at those locations.  These things are expensive, and could be seen as not their area of expertise (selling gas). So as an investor, if I want to own gas stations, I don't want to own a full service garage, so perhaps I invest in somebody else. Once they sell off their non-core assets, they free up capital to do what they know best. It is at least one possible explanation.


So you think there is a business that can take $X and in two weeks turn it into $10X plus their profit.  That means that in two weeks you can turn $1,000 into $10,000. So every two weeks you add a zero, in six weeks you add 3 zeros. In 12 weeks total your $1,000 is now $1,000,000,000; and in a few weeks after that you are richer than Bill Gates. All Guaranteed! Run away.


This isn't an article discussing the business aspects of bitcoin.  It's a comment on the price movement of bitcoin.  Do we regularly comment about the gyrations of commodities and currencies on this thread?  I tend to find talk of those things on subs like /r/finance and /r/investing.


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I wasn't thinking about flipping, just knowing when to call it quits before you get yourself in too deep. Where I live, 4/5 new businesses fail in their first year. It's important to know the risks and to know how to land on your feet if and when it happens.  I've seen a lot of people lose their homes, their retirement funds, their everything...worse than that, I've seen people lose friends they've had since forever because of bad investment promises and so on.   I just think it's a good idea to have a strategy in case things go sour. It's a lifeboat thing. You don't have it because you want to abandon ship whenever you please. You have it because, even if you're about to lose the ship, you want those on-board to get out with minimal loses.


Remember this company is making a profit by collecting your personal data and you're not making a dime from this deal.  >I don't get what the big fear of being marketed to is.   The fear isn't being marketed to, it's the loss of privacy that most people are concerned about.


>I mean, obviously rental companies need a better reservation system that doesn't allow reserving an automobile in an area if there aren't enough automobiles to fill the demand.  This is the problem. I travel a lot and car rental companies almost always over promise and under deliver.


All of the most successful people I know work more than they need to, and either their employers reward them properly, or their businesses flourish. I'm pursuing my finance degree, and I expect 70-80+ hour weeks, because it's more or less required to move up in a company.   I'll save my 9-5 days for after I have kids.


"I found a good article on cnnmoney.com that touches on this titled ""5 Ways to Destroy your Credit"".  One of these ""ways"", it says, is closing your credit cards.  The article cited one expert who says,  Since part of your score is based on the length of time certain lines of credit have been open, closing out that 10-year old credit card could take a bite out of your credit score... It's negative because it's taking away a reference to a positive credit history."


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Their entire C-suite has either left or been fired. The legal status of their autonomous driving program remains in doubt, and in the meantime they had to fire the director of that program. And their unit economics while paying humans still remain largely negative, so they remain dependent on continued investor funding (although the size of their current cash balances does help with runway).   I really don't think the situation is working too well...


A number of places.  First, fast and cheap, you can probably get this from EODData.com, as part of a historical index price download -- they have good customer service in my experience and will likely confirm it for you before you buy.  Any number of other providers can get it for you too.  Likely Capital IQ, Bloomberg, and other professional solutions. I checked a number of free sites, and Market Watch was the only that had a longer history than a few months.


"If I were you, I would rent.  Wait to buy a home.  Here is why: When you say that renting is equal in cost to a 30-year mortgage, you are failing to consider several aspects.  See this recent answer for a list of things that need to be considered when comparing buying and renting. You have no down payment.  Between the two of you, you have $14,000, but this money is needed for both your emergency fund and your fiancée's schooling. In your words: ""we can’t reeaallllly afford a home.""  A home is a big financial commitment.  If you buy a home before you are financially ready, it will be continuous trouble.   If you need a cosigner, you aren't ready to buy a home.  I would absolutely advise whoever you are thinking about cosigning for you not to do so.  It puts them legally on the hook for a house that you can't yet afford. You aren't married yet.  You should never buy something as big as a home with someone you aren't married to; there are just too many things that can go wrong.  (See comments for more explanation.)  Wait until you are married before you buy. Your income is low right now.  And that is okay for now; you've been able to avoid the credit card debt that so many people fall into. However, you do have student loans to pay, and taking on a huge new debt right now would be potentially disastrous for you.  Your family income will eventually increase when your fiancée gets her degree and gets a job, and at that time, you will be in a much better situation to consider buying a house. You need to move ""ASAP."" Buying a house when you are in a hurry is a generally a bad idea. When you look for a home, you need to take some time looking so you aren't rushed into a bad deal that you will regret. Even if you decide you want to buy, you should first find a place to rent; then you can take your time finding the right house.  To answer your question about escrow: When you own a house, two of the required expenses that you will have besides the mortgage payment are property taxes and homeowner's insurance.  These are large payments that are only due once a year.  The bank holding the mortgage wants to make sure that they get paid.  So to help you budget for these expenses and to ensure that these expenses are paid, the bank will add these to your monthly mortgage payment, and set them aside in a savings account (called an escrow account).  Then when these bills come due once a year, they are paid for out of the escrow account."


According to *you* we find it. What if, like me, you don't believe it exists? Do you recognize and respect the right of others to have a difference of opinions, and your inability to force them to act how you choose?   If you agreed with me, *boom*. You just shot centralization in the head, because centralization depends on disrespecting a difference of opinion and forcing others to act how you choose.


Solar water heaters are definitely questionable in the Northeast -- the season when you most need them is also the season when they are least effective. Solar electric isn't a huge moneymaker, but with rebates on installation and carbon-reduction credits (SRECs) -- and a group purchase discount if you can get one, either at a town level or through organizations like One Block Off The Grid -- it can definitely turn a profit. Early estimate was that my setup would pay its initial costs back in 4 years, and the panels are generally considered to be good for a decade before the cells have degraded enough that the panels should be replaced. I haven't had a negative electric bill yet, but I've gotten close, and my setup is a relatively small one (eight panels facing SSE on a 45-degree roof). Admittedly I've also been working to reduce electricity use; I don't think I have an incandescent bulb left in the house.


The value at expiration does not depend on the price path for a plain vanilla European or American option. At expiration, the value would simply be: max[K - S_T, 0], where: K is the strike price, and S_T is the underlying price at expiration.


This guy is doing you a *huge* favor by taking his time out to talk to you. These people are under enormous time constraints and you need to act accordingly. Don't babble on about what you're doing as an intern; the company could have hundreds of interns doing this exact same thing, and it's probably boring as hell.   Focus on asking high level questions about his career, his lessons learned, and his vision for the company. This man is going to be a treasure trove of advice and knowledge. Don't waste it talking about the LBO model you cranked out last week.


Maybe he doesn't want to give up work? I know he had some pretty big medical expenses with a heart attack this past year but that wouldn't set him back that much. I know some of his assets aren't liquid at the moment.    To be honest, I don't know.


These are your options: Unfortunately this will not be a quick process. You should note that until a potential lender goes through a detailed review of your finances you have only been pre-qualified. This is not as good as pre-approved. With pre-qualified they are basing the determination on what you told them, not what you can prove.  Because you are aware of your short period of continuous employment you are best to be completely honest with a potential lender. That way you don't run into problems 30 days down the road when they realize the issue. The home seller will not be happy; and there was time and money wasted on down payments, credit checks, home inspections, and appraisals.  In the US in most markets while there is a significant risk that a particular house will not be available in 5 months, there is a very slight risk that a neighborhood will not be available in 5 months.


Question 1: Who do I report such fraud to? Walmart, or their card processor. They may be in their right to require the original purchaser to do the report. Generally, credit card and debit card fraud must be reported to the bank within 60 days of the statement for them to take responsibility. I don't see why gift cards would be different. You can also report it to the police, but I believe you'll be asked to file a report in the jurisdiction where the card was used. Again - time is of the essence, and there's nothing much they could do with your report now. Question 2: How can I recover the $100 value of my Walmart gift card? At this point, 2.5 years later when the card was used to buy prepaid cards, there's no way to catch the thief and recover the funds. Had you reported it promptly, Wlamart could have block the prepaid cards sold or track their usage, but now is too late. Question 3: Is Citibank in any way liable? (The gift card was   fraudulently used shortly after---within the same month---I received   it from Citibank.) I doubt it unless you can show a pattern. It could be someone working for the Citibank, someone working for the USPS, or someone just stole a bunch of numbers and waited until they became activated.


"Your income and expenses for the business should be independent of HST. That is, if you charged somebody 100 + 13 HST, you have revenue of 100. You're going to send the 13 to the government later, it's not part of your revenue. If you go out and buy something for 10 + 1.30 HST, you record 10 as an expense. You're going to take the 1.3 off the 13 you would have sent the government, it's not part of your expenses. And so on.  I am not sure what you mean by ""HST compensation"" but if it came from the government, and it needs to be declared as income, there will be information to that end in the letter that comes with the cheque. (For example, if they pay you interest on your refund, the letter reminds you to include that money in next year's income.)"


I think that long term, bitcoin is a great investment. In fact I predict a big spike in price right around the new year when the block reward halves. I also predict that inflation will hit all fiat currencies much harder than their respective governments will ever admit.


I think this is going to be a Rorschach test on what people think happened during the crisis. If you believe that the crisis was caused in large part by government seeking to put more people in housing and stop what was viewed as discriminatory practices in lending, you are most likely to be against this. If you think the housing crisis was caused in large part by systemic fraud, you are more likely to be for this.


I've spent a lot of time augmenting overgrown excel models with R. Basically any process you pull from excel into sql / r / python will run faster, sometimes much faster, so the more calculations you can push into R code, the better. Vlookup especially is very poorly optimized in excel and I've seen the equivalent in R run literally 100x faster over the same data. Additionally you can 'chunk' through data (or load -> process -> save as CSV) in R to minimize the memory load on your machine vs keeping a giant excel model open all day.  A key insight is that the model does not need to be pulled wholesale from excel to R. You can in fact take specific tables or target specific computationally intense portions of the model to be pulled into R and processed before returning them to a CSV to be picked up by your core excel model (often you'll run this process once per day, in the morning). In this case, you effectively create a 'two step' model, where you use R to 'refresh' the model to reflect new data, and still maintain the excel as the core working GUI for when you have dashboarding / scenario analysis type tasks that need to be maintained.


My guess is that both the blue and pinkish lines are hand drawn by someone. The blue line indicates 'higher lows' while the pinkish line represents 'higher highs'. Together they form a trading channel in which you can expect future prices to be (unless there is some unanticipated event that occurs).  Edit: since the price broke out above the trading channel at the start of the year (and is verified by the increase in volume at that time) something must have occurred to increase the value of the stock.  Edit2: this news likely explains the breakout in price. Edit3: this chart shows that the stock price is now 'seeking equilibrium'. The price will, likely, be volatile over the next few days or weeks.


"Fulltext: https://pdf.yt/d/oUgs1U5suhiilEPi / https://dl.dropboxusercontent.com/u/182368464/2014-sariaslan.pdf  See also:  - 6: Sariaslan A, Langstrom N, D’Onofrio B, Hallqvist J, Franck J, Lichtenstein. ""The impact of neighbourhood deprivation on adolescent violent criminality and substance misuse: a longitudinal, quasi-experimental study of the total Swedish population"" http://www.researchgate.net/publication/256985352_The_impact_of_neighbourhood_deprivation_on_adolescent_violent_criminality_and_substance_misuse_A_longitudinal_quasi-experimental_study_of_the_total_Swedish_population/file/72e7e51f69f99ad646.pdf . _Int J Epidemiol_ 2013; 42: 1057–66. - 7: Frisell T, Lichtenstein P, Langstrom N. ""Violent crime runs in families: a total population study of 12.5 million individuals"" http://www.sakkyndig.com/psykologi/artvit/frisell2010.pdf . _Psychol Med_ 2011; 41: 97–105. - 8: Kendler KS, Sundquist K, Ohlsson H, Palmér K, Maes H, Winkleby MA, et al. ""Genetic and familial environmental influences on the risk for drug abuse: a national Swedish adoption study"" http://www.ncbi.nlm.nih.gov/pmc/articles/PMC3556483/ . _Arch Gen Psychiatry_ 2012; 69: 690–7. - 9: D’Onofrio BM, Lahey BB, Turkheimer E, Lichtenstein P. ""Critical need for family-based, quasi-experimental designs in integrating genetic and social science research"" http://people.virginia.edu/~ent3c/papers2/d%27onofrioAJPH.pdf . _Am J Public Health_ 2013; 103: S46–55."


It only changes things if Amazon throttles their speed or charges them a different rate to access AWS in a effort to stifle their competitive chances, which to my knowledge, Amazon doesn't do.   But you know who does behave like that?  The telecom companies that block municipal broadband companies from forming, or startup companies from accessing the fiber networks that they were subsidized with taxpayer money to build.  Oh and they also have documented proof of throttling speeds to streaming services that compete with their broadcasting partners.  THAT is monopolistic behavior and the kind of shit we need to be rallying against and calling for anti trust rulings.  Not Amazon.


I'll assume you are asking about a check for some kind of work or service that you provided them, that they hired your company to do. No large business will do that. In their records they have a contract with your company to provide services. If they write you a personal check it won't match with the contract, and when the auditors see that they will scream blue murder. Whoever wrote the check will have to prove that you are legitimately the same thing as the company (that doesn't mean taking your word for it). They may also have to show they weren't conspiring with you to commit tax fraud ( that wasn't your intention of course, was it?) .


I agree that to take the money from the defined benefit plan you are saying that you can get a better return than the plan. You are taking all the risk if you take the lump sum. But there are two more risks that you are taking by keeping the money in the plan even though you are decades from retirement. Funding risk: companies and state/city/county governments have underfunded their pension programs due to budget pressure. In some cases they have skipped payments when the market was good, because they felt they were ahead of their obligations. They also delayed or skipped contributions when they had a budget shortfall, and wanted to not end the government/company fiscal year in the red. The risk is that they can get so far behind that they change their promises to current and former employees. This was one of the issues with the city of Detroit this year. Bankruptcy: even though their are guarantees regarding pension benefits, the Pension Benefit Guaranty Corporation does set a maximum benefit. If the company goes bankrupt or the plan is terminated  you might not get all the money you were expecting. While the chances of taking a haircut generally impacts people who have a long career, because they are entitled to a large benefit, it can impact people who don't expect it.


paypal says it works with CBE but can't seem to link my account with them, but skrill works perfectly just go to www.skrill.com sign up and you can link your bank account with your skrill account, i've had a few transactions so it should work for you too.


I was wondering if someone could recommend a textbook  I'm taking a course right now in foundations of finance and we're dealing with subjects such as utility functions, risk aversion, prudence, temperance, Arrow-Debreau securities, portfolio theory, and more  I'm finding the textbook we're using (Intermediate Finance, Danthine & Donaldson) a bit hard to understand


it is possible that if you do not accept the offer, they will try offering you an even lower rate.  if they offered you close to 0%, you could start carrying a balance and find a better use for the cash you would have spent paying it off. there are plenty of investments with a guaranteed return of over 0%. personally, i am using a 0% offer from one of my cards to invest in the stock market.  i might lose that bet, but on average over the last 10 years, i have not. a pretty safe bet would be paying down your mortgage, or buying a cd that matures when the offer ends. that said, even a 10k$ balance might only pay you around 300$. is that worth the hassle to you?


How is that the federal reserve's fault?  federal reserve's only tools are interest rates, loans, and buying/selling of bonds.  To blame fed reserve for jobs is like blaming a car for not being able to fly.  That's the job of an airplane.   Meaning, jobs are a problem of the federal government fiscal policies, and NOT monetary policies.


I was not able to find any authority for the opinion you suggest. Wash sale rules should, IMHO, apply. According to the regulations, you attribute the newly purchased shares to the oldest sold shares for the purposes of the calculation of the disallowed loss and cost basis. (c) Where the amount of stock or securities acquired within the 61-day period is less than the amount of stock or securities sold or   otherwise disposed of, then the particular shares of stock or   securities the loss from the sale or other disposition of which is not   deductible shall be those with which the stock or securities acquired   are matched in accordance with the following rule: The stock or   securities acquired will be matched in accordance with the order of   their acquisition (beginning with the earliest acquisition) with an   equal number of the shares of stock or securities sold or otherwise   disposed of. You can resort to the claim that you have not, in fact, entered into the contract within 30 days, but when you gave the instructions to reinvest dividends. I don't know if such a claim will hold, but to me it sounds reasonable. This is similar to the rules re short sales (in (g) there). In this case, wash sale rules will not apply (unless you instructed to reinvest dividends within the 30 days prior to the sale). But I'd ask a tax professional if such a claim would hold, talk to a EA/CPA licensed in your state.


Those nerds aren't in charge of industry though.  As I said, different focus.  And your statements about the best talent coming out of the PRC doesn't hold with anyone who's working in industry.  I'm an engineer working in a high tech industry.  China partners with companies to acquire technology still.  They don't develop it.


I think small sums invested regularly over long-term can do good for you, things to consider:  I would go with an index fund and contribute there there regularly.


Everything is down, when measured in the US Dollar because there was a flight to Dollars recently when everyone got the crap scared out of them with the Euro drama...  Remember, the thing you're measuring against is highly volatile at the moment - to get a better idea measure Amazon against something like a basket of commodities, or metals, or oil, or a currency basket (or better yet, all of these).


You actually don't have to open a business account with your bank, you can have a personal account with the bank and have your business funds go into it, whether it be from cheques or from Eftpos\Credit Card Facilities. You just have to get your customers to make the cheque out under your name (the same name used for your bank account). If you are trading as a sole trader and you trade under a name other than your own name, then officially you are supposed to register that name with Fair Trading in your state. However, if you are trading using another name and it is not registered, Fair Trading will only become aware of it if someone (usually one of your customers) makes a compliant about you, and they will then ask you to either stop using that name as your trading name or have it registered (if not already registered by someone else).


"This is the best tl;dr I could make, [original](https://americanaffairsjournal.org/2017/05/new-class-war/) reduced by 99%. (I'm a bot) ***** > In the United States the majority of American college students come from the minority of families in which one or both parents have college degrees.  > The incompatibility of the welfare state and mass immigration was noted by the libertarian economist Milton Friedman: &quot;If you have a welfare state, if you have a state in which every resident is promised a certain minimum level of income, or a minimum level of subsistence, regardless of whether he works or not, produces it or not. Then really is an impossible thing.&quot; His ideological opposite, Paul Krugman, agrees.  > It will make no sense for the United States to tolerate similar mercantilist trade policies at the expense of American industries, particularly those relevant to defense, carried out by China-the only &quot;Peer competitor&quot; the United States will face in the foreseeable future in the military realm.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6ejbil/the_new_class_war/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~133514 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **State**^#1 **market**^#2 **work**^#3 **managerial**^#4 **new**^#5"


"Hmm, that's quite a claim, that these people are so well-informed.  In my experience most people who say ""The United States is the best country in the world"" are just advertising their parochialism.  People who are genuinely aware of all the issues you raise are less likely to make such a dogmatic claim."


>The two patents allow smartphones to display and transmit basic data, such as phone numbers, contact information and applications. As such, a ruling against HTC could outright ban sales  Our patent system is so fucked right now. I should go and patent the ability to hold a device with one or two hands and another patent allowing the user to remove or insert a phone into a pocket or purse.


"The title obviously implies it's an opinion piece. I don't how this escapes you. Unbiased articles are rare and emotional digs/crying about leadership happen to be majority of ""news"" these days anyways - including the NYT. Is an obvious opinion piece wrong? No. You missed the entire point of the article starting at the title."


Middle class for me is anyone who earns at a level where they can save money but depends on a salary for a living which is a very wide range. You are at the rich class if you can comfortably live on your earnings from assets and have large savings so emergencies have little impact.  The whole healthcare was a big help to middle class since they didnt have to worry about existing conditions etc and preventive care was always covered. Also democrats are the ones that want to extend deductions like mortagage interest, property tax that help middle class most.


Your wife could open a non-registered margin trading account with a Canadian full-service or discount broker. An account at one of the top Canadian brokers should provide access to trade U.S.-listed options. I've traded both Canadian and U.S.-listed options with my own broker. On the application, you'd need to indicate an interest in trading options, and more specifically, what kind of option trades; e.g. long puts and calls only, covered writing, combination trades, etc. And yes, part of the application approval process (at least when I went through it) is to answer a few questions to prove that the applicant is aware of the types of risks with trading options. Be sure to do some research on the fees and currency/fx aspects before you choose a broker.  If you plan to exercise any options purchased or expect to be assigned for any you write, be aware that those fees are often different from the headline cost-per-trade advertised by brokers. For instance, I pay in excess of $40 when a call option I write gets assigned, vs. ~$10 that I'd pay if I just plain sold the stock. One other thing to investigate is what kind of online option trading research and order entry tools are available; not every broker has the same set of features with respect to options — especially if it isn't a big part of their business.


If you can't run a business and compensate your workers substantially better than the Chinese, your business should be closed and liquidated.  Want a low-tax paradise with few regulations? Go to Mississippi. Want a state with no teachers' unions? Welcome to Alabama, home of the worst schools in the nation.  Want to live in a high-tax hell with coddled workers? Go to Germany, which has enjoyed some of the greatest prosperity for well over a century, in spite of having a social welfare system in place since Bismarck.  I'm sympathetic to the argument that taxes and benefits will hurt the business owners, but only at much higher levels than we see today. Those who can't cut it under even the modest constraints of the minimum wage and Obamacare should not be in business anyway, because they suck. (And I'm leaving out that Obamacare will save most small-to-medium business money.)  If we must cut workers' pay and benefits to the levels of the Chinese worker, then we suck as a society and deserve a housecleaning of the dead weight in our ownership class.


The Worldrecoverycenters is the best drug addiction treatment centers in the world. This center is run by Dr.Alan Meyer. He has been assisting those with substance and alcohol addictions for over 30 years. He operates substance abuse and addiction recovery treatment programs in the United States and other countries in the world such as California, New York, New Jersey, Washington State, Arizona, Oregon, Pennsylvania and more countries. Without addition programs, many people would have a much less chance for recovery and most likely continue with their addiction.


There are lots of different ways to generate passive income.  What is Passive Income? Basically it is income you receive without having to consistently work for it i.e. paid to do your day job or get paid by the hour; instead you do the work once and then receive ongoing payments like a recording artist getting paid royalties or a book author etc...  Online Passive income Also some online business models can be great ways to generate passive income, you set up an automated system online to drive traffic and sell products either as the merchant or an affiliate and get paid regularly without having to do any more work...  You just need to use SEO or PPC or media buys or online advertising to generate the automated traffic to your website which will have special landing pages and sales funnels that do the conversion and selling for you. If you are an affiliate you don't even have to handle any products, packaging, delivering etc...  And if it’s a digital product like software or information products they can be sent straight to the customers automatically online then you can set up a system that can generate true passive income. Time consuming or expensive! However the above mentioned methods of generating passive income tend to require a lot of work or special skills, talent or knowledge and can be expensive or time consuming to set up. Preferred Method Therefore for many people the preferred passive income method is fully-managed hands free property investing or other types of investing for that matter.  But for people who want full ownership of the income generating asset then property investing is the best as they can sell and have control over the capital invested, whereas investing in a business for example will have a lot of other variables to consider, like the business sector, the market factors, the management team and even down to individual employee performance. So in my opinion, if you have the money to invest then fully-managed hands free buy-to-let property investing is one of the best types of passive income available to us today.  Some of the most popular income generating property assets today in the UK include •   Student property •   Care Homes •   Residential buy-to-let


"> In 2009, under Obama, the US had a deficit of 1.4 trillion dollar.  Actually, that's Bush's last deficit.  That was the 2008 budget and appropriations from the Bush administration's last year, and it's also the result of the financial crisis, which happened during Bush's time.  It's also TARP (which was passed under Bush with Bush's support) and, to a lesser extent, the stimulus (which was a direct and necessary reaction to the financial crisis).  That 1.4 trillion deficit is Bush.  It's what Obama *started* with, and worked from, not what he caused.  Consider it the handoff deficit from Bush to Obama.  > In 2014, the deficit is now 744 billion dollar.  You're commenting on an article that says the current deficit will be $506 billion, so why are you saying it's ""now"" $744 billion without explaining the contradiction?"


"A multiplex is a concession stand which happens to show movies in order to lure you into range of the smell of their popcorn. It has nothing to do with movie theater monopolies.  As it was explained to me by my manager, back when I worked in a movie theater in a small Midwestern chain, for every movie, the studios take some percentage cut of gross ticket sales, varying from movie to movie.  Star Wars: The Phantom Menace in 1999 was the first film for which the studio demanded 90% of gross ticket price — continuing a long-standing trend of raising the take which possibly began with the original first Star Wars movie.  The other studios quickly followed suit and raised their take to 90%, especially for the big blockbusters — the textbook term is ""oligopoly pricing"" — and since then the percentage has inched ever closer to 100%.  I forget exactly what it was on the second Matrix movie or Lord of the Rings: Return of the King, both of which premiered while I was at the theater, but the number that sticks in my head is 94%.  Obviously the studios can't directly capture any revenue from the sale of popcorn — unlike the movie, it's not their product — so every time they raise their take, the theater compensates for lost revenue by raising the price of popcorn. This trend hasn't reversed with 3D and IMAX and all the new technologies coming down the pike.  The only reason they're attractive to the theaters is that the theater can charge $15 a ticket rather than $10.  Even on a small percentage share, that's a 50% jump in revenue, and covers the not insignificant cost of the projection equipment.  3D is also currently getting more butts in seats than 2D was, leading to somewhat more concessions sales — going to the movies is an outing and an event again — though that's tapering off as it becomes less and less of a novelty.  The ticket prices aren't coming down, though. Moral of the story: like razors or printers, theaters lose a ton of money to show you movies due to studio oligopoly pricing, and make it up on popcorn."


The money quote: > When floodwaters cover our homes, we expect that FEMA workers with emergency checks and blankets will find us. There is no moral or substantive difference between a hundred-year flood and the near-destruction of the global financial system by speculators immune from consequence. But if you and your spouse both lose your jobs and assets because of an unprecedented economic cataclysm having nothing to do with you, you quickly discover that your society expects you and your children to live malnourished on the streets indefinitely.


"Frequency of paychecks is up to the company. Many pay monthly. Some pay twice a month, or every other week. I haven't heard of any paying more frequently unless they were tiny ""mom and pop"" businesses or grunt-labor/fast-food minimum-wage jobs. Cutting the checks more often is more expensive for the company. And frequency of pay is  one of the things you agreed to in the paperwork you signed when you were hired."


"**Alt-right**  The alt-right, or alternative right, is a loosely defined group of people with far-right ideologies who reject mainstream conservatism in favor of white nationalism, principally in the United States, but also to a lesser degree in Canada and Europe. Paul Gottfried was the first person to use the term ""alternative right"", when referring specifically to developments within American right-wing politics, in 2008. The term has since gained wide currency with the rise of the so-called ""alt-right"". White supremacist Richard Spencer coined the term in 2010 in reference to a movement centered on white nationalism, and did so according to the Associated Press to disguise overt racism, white supremacism, and neo-Nazism.  ***  ^[ [^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/economy/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.26"


That'd be cool in conjunction with a coffee shop.  Order a book, go get coffee, and browse a bit before you're told that the book you ordered has been assembled for you.  As someone who prefers a physical copy of a book over a Kindle, I would love this option.


"If you have someplace to put the money which you think will yield significantly better returns, by all means sell and buy that. On the other hand, if you think this stock is likely to recover its value, you might want to hold it, or even buy more as a ""contrarian"" investment. Buy low, sell high, as much as possible. And diversify. You need to make a judgement call about the odds. We can point out the implications, but in the end whether to sell, buy, hold or hedge is your decision. (This also suggests you need to sit down and draw up a strategy. Agonizing over every decision is not productive. If you have a plan, you make this sort of decision before you ever put money into the stock in the first place.)"


LIBOR rate swaps are common most among an international bank and a with a branch in another country, so say Company A is located in Kenya and Company B is in the US, A can borrow $100M from the US and B the same from Kenya and agree to swap assuming that A borrowed at a fixed rate of say 5% and B borrowed for say a 6 month LIBOR rate of maybe 4.2% which increases at a rate of say 0.5% above the prior 6 moth libor rate for time t being 5 years.A is the fixed rate payer and B is the floating  rate payer.


I should have been clearer but my point was that the NYSE seems to be blaming third party vendors for reporting invalid test data but their own website reported the same data so it seems like there might be another issue.   Edit: Found the full comment. It seems that NASDAQ distributed the test data and other parties including the NYSE incorrectly displayed it. I can (barely) understand some third parties incorrectly reporting this data but it seems really bizarre that NYSE wouldn't know how to handle this.


Your best option is just to pick a card that gives you the best (highest) rewards without charging you an annual or other fees (or the lowest annual or other fees). As you are looking to pay off the full balance by the due date you won't have to worry about the interest rate but just make sure you get an interest free period.


Absolutely never.Even in a hot market, it's like picking up dimes in front of a bulldozer.  It's just plain stupid. If you can't afford a 20% down payment and a 15 year mortgage, just rent.


Many reasons mentioned already. The reason why I have multiple is missing: I have a personal card for my private use and a company card for company use.


The folks who hold stock are the legal owners of the company. If a majority of stock holders become unhappy with the management of a company they can fire the executives and put in new management, or they can direct the company to close its doors and sell off its assets. As a crude approximation, the stock holders are happier when the stock price goes up and unhappier when it goes down. Therefore, executives are highly motivated to drive the stock price up.  A frequent criticism of corporate governence is that management can be so motivated to drive the stock price up, that they will take actions that drive the stock price up in the current year, even if undercuts the company in the long term.


money can make people do some odd things, it makes otherwise nice people stab other nice friendly people in the back for a decent paycheck. now i'm fresh out of school with the intent of finding a job that is going to make me want to get up in the morning with a smile across my face, it could be minimum wage and it would not bother me in the slightest as much as the media and the government would like you to think, it really does not cost that much to live a simple life and be happy about it, consumerism has really fucked people up and it is a shame, i'm in it for the memories and fun times not spending countless hours breaking my back for a company that would fuck me over in an instant.


Not a direct answer, but... a friend pointed out to me that z proper luxury limo, if loaded with four sales reps going to the same meeting, is cheaper than airfares would be and lets them hold a planning meeting en route. Yeah, most of it is conspicuous consumption.  But some of the road yachts have legitimate uses.


And a blessing to the families. They know that there loved one is being given pain medication and a certain amount of dignity as they die. Are the Health Care people making money? Yes but so does my car mechanic when I ask him to fix my car.


Does your family go to church?  I know reddit hates religion but churches have been a great source of support for small shops just starting off.  They are a great opportunity to network in your community.  If not, look for other things, toast masters, chamber of commerce.   Get something big on the truck, park it in a well lit-high traffic spot (empty).  I have heard SOME decent things about location based google  adwords.  You may want to check out advertising. Also, make sure he comes up in the google results when people look for plumbers.   Google is the not-so-new yellow pages and a lot of people just start at the top of the list and work their way down when they need someone in an emergency.    Get him to network with General Contractors and maybe the HBA in your area.


looking over some historical data I cannot really a find a case where a stock went from $0.0005 to $1 it almost seem that once a stock crosses a minimum threshold the stock never goes back up. Is there any truth to that? That would be a 2000X (200,000%) increase in the per-share value which would be extraordinary.  When looking at stock returns you have to look at percentage returns, not dollar returns.  A gain of $1 would be minuscule for Berkshire-Hathaway stock but would be astronomical for this stock,. If the company is making money shouldn't the stock go up? Not necessarily.  The price of a stock is a measure of expected future performance, not necessarily past performance.  If the earnings had been more that the market expected, then the price might go up, but if the market sees it as an anomaly that won't continue then there may not be enough buyers to move the stock up. looking at it long term would it hurt me in anyway to buy ~100,000 shares which right now would run be about $24 (including to fee) and sit on it? If you can afford to lose all $24 then no, it won't hurt.  But I wouldn't expect that $24 to turn into anything higher than about $100.  At best it might be an interesting learning experience.


There's a few things going on here. If we fixed rates (and terms) over time we'd expect a pretty tight chart of home prices to income, almost lockstep. Add a layer of growth above that in boom times due to the wealth effect (when stocks are way up, we have extra money to blow on bigger houses) and the opposite when markets are down. Next, the effect of rates. With long term rates dropping from 14% in 1985 to 5% in 2003, the amount that can be bought for the same monthly payment rises dramatically as rates fall. Easy to lose site of that and the fact that the average size house has increased about 1.5% per year over the last 40 years, surely that can't continue.  When you normalize all these factors, houses cost fewer hours-worked almost at the peak of the market than 25 years ago. Mike's logical example of extrapolating out is very clever, I like it. In the short term, we'll see periods that are booms and busts, but actual prices will straddle the line representing the borrowing power of a week's pay.


I work at a public accounting firm. It's in tax, but I know the audit side of the house pretty well as well.  >Without public confidence in the profession, CPA firms wouldn't exist. It's truly an incentive to do a good job and continually gain confidence. They incidentally make money along the way.  That's really the heart of the argument. During my schooling we talked about ethics pretty much constantly. In almost every state now, you're required to take a 3 credit hour ethics class prior to sitting for the CPA exam, and you're required to do continuing education. How much depends on the state, but 40-60 hours every three years is par for the course. Of those hours, typically 4-5 of them have to be approved ethics courses.  There's also a whole litany of codes of conduct that a CPA must follow. For example, I, as a tax person am bound to follow the codes of conduct of:  * The SEC * The PCAOB * The IRS * The AICPA * My State Board of Accountancy * My Firm  A serious violation of any one of those codes can lead to a suspension of my license. e.g. I won't ever be able to work in public accounting again. As a profession, most of the CPA's that I've met are above board, but there will always be a few bad apples.   On the audit side, the PCAOB (a government agency) audits all the public accounting firms that do assurance work something like every 3 years. The SEC can get involved as well if they think something fishy is going on.


What are your alternatives? If you have something else lined up that is better than this internship, then yes, you should jump ship. Remember, you are your first priority. Don't worry about getting burned, and don't necessarily trust someone's promises. Many people in your life will overpromise and underdeliver.  With that said, if you don't have something to fall back on (that can provide relevant experience that you're looking for), then stick it out. Selling (including cold-calling) is an extremely important skill to have; there will be many times in the future where you will have to sell something, whether it's yourself, or an idea, or some other product. Use this internship as an opportunity to improve your sales skills, your English, and overcome your shyness. Take time to learn as much as you can - whether it's about running a business, your boss's previous experience, or anything else that may come in handy in the future.  Good luck!


There's two competing forces at work, and they are at work worldwide. Banks can get money from several sources: Through inter-bank borrowing and from raising capital. Capital can come from from selling assets, stock offerings, deposits, etc. The money the banks get from depositors is capital. In the United States, the Federal Reserve regulates the amount of capital that banks must maintain. If there was no requirement for capital then there would  be zero demand for capital at an interest rate above the inter-bank offering rate. As capital requirements have risen, banks are allowed to make less loans given a certain amount of capital. That has caused an increased demand for capital from depositors. As described in this Federal Reserve ruling, effective January 1st, 2014 the Federal Reserve is again raising capital requirements. As you can see here money can be borrowed, in the United States, at .0825% (100 - 99.9175). Currently interest rates paid to borrowers are quite high compared to prevailing inter-bank rates. They could see more upward pressure given the fact that banks will be forced to maintain an increased amount of capital for a given amount of loans.


If you read the article in the 2nd or 3rd paragraph it talks about charges against Angelo Mozillo (countrywide) though my personal opinion is that its going to be tough to win for the government, even with the witch hunt media attention.


In my opinion, it generally makes sense to focus all of your debt-reduction energy and funds on one loan at a time. There are two reasons for this: It will allow you to more quickly move from 4 loans to 3 loans, and then 2, and then 1, providing you with a sense of progress and motivation. As you reduce the number of loans that you have, your monthly minimum payment obligations will be reduced.  Then, if you have a month with an emergency expense, you will have more income available to you for your emergency without getting behind on your loans. There is debate about whether to pay loans in order of the loan balance or in order of interest rate (you can read about this here and here), but in your case, your highest interest loans also have the lowest balance, so either method would have you picking the same loans first.   You have already chosen, wisely, to start with the $1500, 6.8% loans.  Send all of your $1000 to one of these loans, and continue to work aggressively to knock out all four as quickly as possible.


really don't worry about getting a serious financial internship after your freshman year, no offense but you don't really know enough to help a serious firm in a serious role. If possible try to find something close to home with any place related to the business world for any amount of hours. Any business experience is enough to apply for a financial internship your sophomore summer as it will just prove you are smart enough to work for a company and not fuck up.   Take this time to do some of your own research looking at specific fields you are interested in. I've had friends have success in the past where early on they just called around and networked through some friends, and shadowed like 5 different financial jobs for a day or two that summer. Really gives you an idea on what the day to day tasks are for different positions, something you can't get in a classroom.  Lastly don't stress about any of this stuff too much. No company is going to throw out your application because you had 2 years of finance internships instead of 3 or if your gpa isn't perfect. if you focus on learning these next few years about something you're interested in, you'll be not just good but great at what you do and you'll be successful.


Can you reduce your interest rate? Talk to the lender. Maybe. Probably not. The rate reflects their perception of how much of a risk they're taking with the loan. But if all you're borrowing is $2000, the savings that you might get out of any adjustment to the rate is not going to be all that significant. Sure, it would be nice, but it's not going to be enough to make or break your decision to buy this car. The big savings will be that you're paying interest on a much smaller loan, which means you can reduce your payments and/or pay it off more quickly. REMINDER: NEVER TALK TO AN AUTO DEALER ABOUT FINANCING UNTIL AFTER THE PRICE OF THE CAR HAS BEEN NAILED DOWN -- otherwise they will raise the purchase price to cover the cost of offering you an apparently cheap loan.


It isn't as simple as just borrowing money. This is more of an economics question but there are reasons to borrow money (simple example being when the economy is growing too slowly) and reasons to increase taxes (basic example being when the economy is growing too fast). Check out monetary and fiscal policy on investopedia or youtube, this should give you a good understanding.   Now one more thing to consider is the 'risk' of governments defaulting on their loans. In a simple sense, the more debt a government has the more risk there is to default. This means people who lend the government money will want a higher interest rate, making it harder for the government to borrow money.


Register in Nevada.  It's a no brainer.  I understand that it's not a great deal of money, but if you can save several hundred dollars per year, why not?  It's the same amount (actually probably less) of paperwork to register in Nevada.


Can anyone elaborate on her role in the company? Is she really more than a pretty face which helps the company grow revenues and attract a high valuation? I understand she is a co-founder and I'm sure that she holds a significant chunk of equity, which will make her even wealthier in the future following a liquidity event. However, I don't see how an actress with no prior technical or business schools would be helpful beyond the marketing aspect. From what I gather, it's Brian Lee who actually runs the company. Either way, I give this woman props as she has managed to transition to being an entertainer and a businesswoman at the same time.


Yes. W4 determines how much your employer will withhold from your wages. Leaving everything at default would mean that your salary is your only taxable income, and you only take default deductions. Your employee will calculate your tax withholding based on that. But, if your salary is >200k, I assume that you have other income (investment/capital gains, interest on your bank account), which you will have to pay taxes on. You're probably going to have some deductible expenses (business/partnership expenses, mortgage interest, donations, college funds etc) as well. So it is very likely, unless you're really not smart about money, that you have more to do with your taxes than just the employers' withholding.


Yes, because we don't want to be China. It also helps stimulate an economy to have your largest portion get most of the wealth.      Warren Buffett can only eat one meal at a time, live in one house at a time, and only has so much time in his day. If you give his yearly salary to 150 people that are right now unable to do any of those things, they will put that money to better use.


I don't think that it necessarily means they were more intelligent at all. China and India historically were always the wealthiest and most technologically advanced nations economically until very recently. Europe was mainly more advanced militarily. It's not like intelligence changes that much for a population over just a few generations. Europe was really only more advanced after the crusades and even then they were only more advanced due to their quick adaptation of gun powder, which originally came from china.


Another reason this stock market is just one gigantic fabricated bubble. A combination of firing people (and not giving significant pay raises while making fewer employees do more work) to make profits seem higher and those buybacks.   People look at me like I'm crazy


You're welcome, good questions on a confusing topic! Let me see if I can unpack it a bit, try to clear up the way accrual accounting jukes and jives...  >  I buy an airline today. I get to recognize the revenue from any pre-sold tickets starting tomorrow and reduce my deferred revenue liability...  Hmm... Are you sure that's the case? Does purchasing the business somehow cause those future events to resolve?  I could be way off base here so let me know if I'm missing something, but whenever an airline ticket is purchased in advance, it's a balance sheet issue. Cash is increased and there is a liability created for Deferred Revenue. The revenue hits the income statement only when the flight takes place. As you noted, this would be accompanied with the usual trappings of costs and expenses, etc.  >  However, I don't get that cash as it has already been paid to the previous owner.  Sure you do! Their bank account is now yours, right? I imagine that buying an airline company would be a matter of transferring ownership rather than to resolve any underlying uncertainty in the recognition of earnings, yeah?  As for valuation, it may depend on if you're looking at the income statement in isolation and relying on EPS or if you're using a more integrated approach with the balance sheet, which would bring these sorts of developments to light.  Does that help? Any part still clear as mud?  EDIT: words


Sales data for one county in FL, July single family home sales.      year       units    median_price median_size     1  2016  2061       221500        1857     2  2017  2126       220000        1770  Looks pretty flat to me.  (Mean) $/sqft up 50 cents.


Hey OP, Don't listen to the negative comments, they don't know what they're talking about. I just got hired as an associate i-banker at the top investment bank in my country , which is roughly at the level of American bulge bracket banks.   I'm an introvert. Yes, I like to drink and socialize, and part of the interview process involved cocktails and dinner with other candidates and several ibankers at all levels . But I-bankers are just geeks in suits. As long as you are comfortable in social settings , you don't need to be an alpha male or frat jock.  I recommend meeting as many ibankers as possible. Have coffee chats and learn about the people that work in the industry. Good luck.


Two possible reasons: You can tell which scenario it is based on the credit history they provide you. If you look at the history and they show you your scores for each month, even though you didn't initiate it, then they are auto checking it each month. If the historical dates are only on the dates you clicked on the button, they are only checking when you manually click on it. As for the why they provide it, a few years back it was a desirable feature. Now they all do it just to keep pace with everyone else. Note that most banks only provide a single scoring model from one bureau (but different banks use different bureaus).


Directly?  That's hyperbole.  Its not like she was managing the data or even the method of safeguarding the data.  She was managing the person who was supposed to secure and keep securing that data.  That doesn't make her blameless, but I wouldn't say she was directly responsible.  She was tangentially responsible as the person ultimately in charge of Yahoo operations.


I know what your saying. But I think there is a bit of hopes and feels in stocks also.  If people feel like it's going to go down they sale.  Causing it to go down right?  Bad news article comes out about a stock or bitcoin.  They go down.  Good news article comes out they both go up.  Even if the company changed nothing.   Bit of hopes and feels involved.    Edit:  pose that as a question.  Am I completely off the mark here?


Nope, because Ticketmaster has many venues locked up to the point Amazon will not be able to compete with them there.   Until and unless Amazon can break into those contracts, Ticketmaster will still have a monopoly over many of the best venues.


You clearly have no understanding of the issue.  As an example, lets say Apple sells an iphone in France.   Apple has to pay income tax and tarrifs and whatever else on that money they receive for the iphone they sold. That makes sense, they use France's infrastructure and citizens to sell the phones.   Then when the money comes back to the US (the money is not coming back at this time), Apple is taxed on the same money from the iPhone they just paid taxes on in France. That makes selling iPhones outside of the US difficult due to tax law and regulations that other companies don't have to deal with. This makes it easier for other phone manufacturers to sell phones at a profit and not Apple. This hurts Apple at the end of the day and keeps the money in foreign countries when it could be re-invested in the US...  What is the point of selling internationally if you are going to have to pay two sets of taxes and likely lose money?


Thanks for the answer! Yeah it is pretty insane that they have to keep 100%..   I'm also seeing that in-flows from clients wouldn't be seen as a operating deposit but rather as non-operating, wouldn't this mean that the short-term wholesale fundings wouldn't be calculated in LCR? So Basel III want the banks to have more HQLA which comes at a cost . Or did I misunderstand that part?


Self employment is typically harder to qualify with than W2 income. In general the bank is going to want 2 years of tax returns. You will be asked to sign a 4506-T that allows the bank to get the records directly from the IRS. Self employment income will be averaged across the 2 years, I don't think a 20% drop in profits is large enough to cause concern but it might. I would plan on being able borrow against the lowest year just in case.  If you get a W2 job you will be able to count the income immediately assuming it is not a temporary position. The bank will ask for  the offer letter. If you have decent credit and 20% down, you should be able to get a mortgage either way. A W2 is typically less paperwork and you would get to claim your current income assuming that is higher than your past income.


You should find the best online jewelry seller in USA, which has  a unique high quality material necklace. It is one of most online seller of jewelry, the essential oil necklace gives you a beautiful look. It is a basic needs of every woman to wear the latest design in jewelry, so we complete that requirement. It is an interesting place for those customers who fear to buy any product online, our company Izzy Bell Boutique makes the very cheapest price and latest design essential oil necklace. So we are also available online for full fill the requirements of the customers.


You mean auto dealer bailouts? Has happened multiple times already.  Also dealerships have been doing this type of lending with banks for years.. which is why direct sales is likely a mu have better model than dealership model...but hey I didn't invent this.


While r/finance has some great advice and posters who are well versed in their fields, this appears to be a legal question and if you're really concerned about the legality, I would strongly advise you to check in with a lawyer, not an online internet commenter. While there is a lot of good content on this site, you do see comments where the person is completely talking out of their ass.  It would suck for you to raise concerns at your job, based on faulty 'legal' advice.


Thought this might be a bit useful for you... http://www.score.org/resources/business-plans-financial-statements-template-gallery  Edit: I haven't used their templates in a project before but, glancing at them, they look pretty through. Previously, I've created my own statements in Excel based on templates I've seen in old accounting books. Good luck with your business plan!


I have and I was close to going that route but I live in a relatively rural area and the only viable antenna would need to be powered and roof mounted. This is something I would be willing to do as it's still cheaper than having cable/satellite but even with this I won't get many of the games I want (we would still not have clear reception for some major channels). I found that basically, without ESPN I cannot get the majority of the games we want to watch.   That's what it boiled down to. No ESPN. I was all set to get an Apple TV (or similar device), a powered antenna, a VPN so I could catch the European soccer I like but I couldn't find a way to get ESPN and that eliminates too many of the games we like to watch.


Millionaire, Shmillionaire! Let's do this calculation Bruno Mars style (I wanna be a Billionaire...) If my calculations are correct, in the above scenario, at age 80, you would have more than a billion in the bank, after taxes.


I would refrain from commenting on market timing strategy, but please don't park extra AUD cash in IB.  Park cash in your local bank high interest savings, and get a Margin account at IB.  When you want to pull the trigger, use margin loan to buy stocks immediately, then transfer cash from local bank to IB afterwards.


My realtor told me that even though they're only asking for 1/2    the money and have excellent credit that the mortgage company may   not lend it to them if I'm over priced. Is this true? I've never heard of it before. It is a chance, but it is a red herring to the discussion. Having excellent credit has nothing to do with being eligible for a debt object of a specific size. Just because you have excellent credit, would you get approved for a property of $10,000,000 if you only made $35,000 a year (and had no other net worth)? But regarding your potential buyers, a chance vs a good chance is different. Your realtor just told you some basic always true lending fact that has nothing to do with your situation.


"This is dire stuff for my fellow workaholics.  From the article:  ""Now it seems that clocking up more than 55 hours a week means a 40% higher chance of developing an irregular heartbeat, known as atrial fibrillation (AF), when compared to those with a better work-life balance."""


No, it's not a good idea. You started by saying you'd like to invest, but then mentioned something that's not an investment, it's a speculation. Both Forex and CFDs are not really investments. They are a zero sum game where over time, it's a pool of your money, the other trader's money, and the broker, redistributed over time.  If you truly wish to invest, you'll read up on the process, understand your own long term goals, and put aside X% (say 5-15) of your monthly income. You should look into investments that are long term, and will fund your retirement 30-40 years hence.


I think you have to dispute with the Credit Union provider that the funds have not reached the account. Ask them for the details, even if electronic, they will have reference numbers. Also provide the Credit union your copy of the current loan account ... it would not reflect the credit. Keep following up