First off, you should phone your broker and ask them just to be 100% certain. You will be exercised on the short option that was in the money. It is irrelevant that your portfolio does not contain AAPL stock. You will simply be charged the amount it costs to purchase the shares that you owe. I believe your broker would just take this money from your margin/cash account, they would not have let you put the position on if your account could not cover it. I can't see how you having a long dated 2017 call matters. You would still be long this call once assignment of the short call was settled.


I did some poking and found this: https://www.gsa.gov/policy-regulations/regulations/federal-management-regulation-fmr?asset=90778  The original article I used elsewhere in this thread was not correct. When I was involved with this personally it was around 2000 or so, it looks like they changed that policy sometime in the mid 2000's.


A bank is putting money on the line for you when they loan you money, which is not something they have to do. Not telling them what you intend to do with the money they are giving you, when asked, is fraud, which if you are caught will put you into very deep trouble.


"It doesn't generally matter, and I'm not sure if it is in fact in use by the IRS other than for general statistics (like ""this year 20% of MFJ returns were with one spouse being a 'homemaker'""). They may be able to try and match the occupation and the general levels and types of income, but for self-employed there's a more precise and reliable field on Schedule C and for employees they don't really need to do this since everything is reported on W2 anyway. So I don't think they even bother or give a lot of value to such a metric. So yes, I'm joining the non-authoritative ""doesn't matter"" crowd."


"I feel like it's borderline. Like if you just added a sprinkle of intelligence into each of those actions, you could look smart. For instance like the comment above talks about inverting the fraction ""So you're saying that 3 out of 4 people aren't clicking the button."" You can guarantee some people are going to start debating that and pointing fingers, etc."


-Get a job doing it.  -Try the CFA curriculum if you want the base financial knowledge - but only if you don't have that knowledge already.  -Check out coursera  -Try writing some pricing tools or trading algo, depending on what area you're interested in. The future is not options pricing, the future is in data aggregation and prediction.  Yes it's possible to learn if you have the mathematical foundation. It's really no as complicated as the world believes. Remember that most people go finance -> math and find it hard whereas you're going math -> finance.


Depending on the day and even time, you'd get your $2 profit less the $5 commission. Jack's warning is correct, but more so for thinly traded options, either due to the options having little open interest or the stock not quite so popular. In your case you have a just-in-the-money strike for a highly traded stock near expiration. That makes for about the best liquidity one can ask for.  One warning is in order - Sometime friday afternoon, there will be a negative time premium. i.e. the bid might seem lower than in the money value. At exactly $110, why would I buy the option? Only if I can buy it, exercise, and sell the stock, all for a profit, even if just pennies.


Same position as you, took it in December. I scored extremely well and got 8 requests for my resume. 2 were ops/hr related, 3 were really small HF's, 2 were mid sized prop trading firms. I had accepted a job a month prior, so I put no effort in in following up other than giving them access to my resume. Personally I really think I could've gotten interviews if I had immediately started networking with people in the company as soon as I got the resume requests.  The test is a bit of a combination between the GMAT/SAT/GRE and the CFA imo.


Stock market Tends to follow the DJIA and FTSE, so unlikely to see an Australia-only crash, especially while resources are doing so well. If China's growth slows before other ailing sectors improve, a downturn becomes more likely and the potential severity of the downturn increases. Economy A huge question to which I would refer you to Steve Keen: http://www.debtdeflation.com/blogs/ See A Fork in the Road. Housing Market It's a bubble, stupid! Seriously, it's as though the Aussies waited for the US to get done and then simply borrowed the copy book. There are a multitude of articles out there about likely outcomes from where the housing market is and where it's going. See this for a sample of what's out there: http://blogs.forbes.com/greatspeculations/2010/07/26/aussie-housing-bubble-gets-popped-with-chinese-credit-crash/ Note: All three of the areas you raise - economy, stock mkt, housing - are so intertwined that it's tricky separating them out. A lot of reading on Steve Keen's site can help.


Not long after college in my new job I bought a used car with payments, I have never done that since. I just don't like having a car payment. I have bought every car since then with cash. You should never borrow money to buy a car There are several things that come into play when buying a car. When you are shopping with cash you tend to be more conservative with your purchases look at this Study on Credit card purchases.   A Dunn & Bradstreet study found that people spend 12-18% more when using credit cards than when using cash. And McDonald's found that the average transaction rose from $4.50 to $7.00 when customers used plastic instead of cash.  I would bet you if you had $27,000 dollars cash in your hand you wouldn't buy that car. You'd find a better deal, and or a cheaper car. When you finance it, it just doesn't seem to hurt as bad. Even though it's worse because now you are paying interest.  A new car is just insanity unless you have a high net worth, at least seven figures. Your $27,000 car in 5 years will be worth about $6500. That's like striking a match to $340 dollars a month, you can't afford to lose that much money. Pay Cash If you lose your job, get hurt, or any number of things that can cost you money or reduce your income, it's no problem with a paid for car. They don't repo paid for cars. You have so much more flexibility when you don't have payments. You mention you have 10k in cash, and a $2000 a month positive cash flow. I would find a deal on a 8000 - 9000 car I would not buy from a dealer*. Sell the car you have put that money with the positive cash flow and every other dime you can get at your student loans and any other debt you have, keep renting cheap keep the college lifestyle (broke) until you are completely out of debt. Then I would save for a house.  Finally I would read this Dave Ramsey book, if I would have read this at your age, I would literally be a millionaire by now, I'm 37. *Don't buy from a dealer Find a private sale car that you can get a deal on, pay less than Kelly Blue Book. Pay a little money $50 - 75 to have an automotive technician to check it out for you and get a car fax, to make sure there are no major problems. I have worked in the automotive industry for 20 + years and you rarely get a good deal from a dealer. “Everything popular is wrong.”         Oscar Wilde


I know a software engineer that hated his Dilbertesque job (with no personal interaction he said), quit to go work at G.I. Joes and worked his way up to manager.  He was the head manager of a G.I. Joes store.  I worked at sports authority one Summer and there was a guy with a law degree working there.  If you apply to 50 retail jobs, there is a good chance that one will hire you and you will no longer be unemployed.  I'm not quite sure whether that is a hinderence or a help though in finding work in your specialty in the future..


Historically October has been the month when crashes happen hasn’t it? I know not every crash has happened then but I think there’s something about the September/October period that it’s the part of the year where there’s been the most down months and the months where a few crashes started (Great Depression and recession off the top of my head)


There are no contracts. They give subscribers money on MasterCard gift cards which the theaters have to accept if they accept MasterCard.   The theaters really don't have much of a choice, but they're getting paid full price for tickets, so they shouldn't complain.


"The answer to almost all questions of this type is to draw a diagram.  This will show you in graphical fashion the timing of all payments out and payments received.  Then, if all these payments are brought to the same date and set equal to each other (using the desired rate of return), the equation to be solved is generated. In this case, taking the start of the bond's life as the point of reference, the various amounts are: Pay out = X Received = a series of 15 annual payments of $70, the first coming in 1 year.  This can be brought to the reference date using the formula for the present value of an ordinary annuity. PLUS Received = A single payment of $1000, made 15 years in the future.  This can be brought to the reference date using the simple interest formula. Set the pay-out equal to the present value of the payments received and solve for X I am unaware of the difference, if any, between ""current rate"" and ""rate to maturity"" Finding the rate for such a series of payments would start out the same as above, but solving the resulting equation for the interest rate would be a daunting task..."


This is all somewhat true. The likely scenario was that those transactions were flagged in the banks suspicious activity monitoring system for potential layering activity and they may have filed a suspicious activity report with FinCEN and may have a policy to close accounts with suspicious activity.


"Quantitative Easing Explained: http://www.npr.org/blogs/money/2010/10/07/130408926/quantitative-easing-explained The short of it is that you're right; the Fed (or another country's Central Bank) is basically creating a large amount of new money, which it then injects into the economy by buying government and institutional debt. This is, in fact, one of the main jobs of the central bank for a currency; to manage the money supply, which in most fiat systems involves slowly increasing the amount of money to keep the economy growing (if there isn't enough money moving around in the economy it's reflected in a slowdown in GDP growth), while controlling inflation (the devaluation of a unit of currency with respect to most or all things that unit will buy including other currencies). Inflation's primary cause is defined quite simply as ""too many dollars chasing too few goods"". When demand is low for cash (because you have a lot of it) while demand for goods is high, the suppliers of those goods will increase their price for the goods (because people are willing to pay that higher price) and will also produce more. With quantitative easing, the central bank is increasing the money supply by several percentage points of GDP, much higher than is normally needed. This normally would cause the two things you mentioned: Inflation - inflation's primary cause is ""too many dollars chasing too few goods""; when money is easy to get and various types of goods and services are not, people ""bid up"" the price on these things to get them (this usually happens when sellers see high demand for a product and increase the price to take advantage and to prevent a shortage). This often happens across the board in a situation like this, but there are certain key drivers that can cause other prices to increase (things like the price of oil, which affects transportation costs and thus the price to have anything shipped anywhere, whether it be the raw materials you need or the finished product you're selling). With the injection of so much money into the economy, rampant inflation would normally be the result. However, there are other variables at play in this particular situation. Chief among them is that no matter how much cash is in the economy, most of it is being sat on, in the form of cash or other ""safe havens"" like durable commodities (gold) and T-debt. So, most of the money the Fed is injecting into the economy is not chasing goods; it's repaying debt, replenishing savings and generally being hoarded by consumers and institutions as a hedge against the poor economy. In addition, despite how many dollars are in the economy right now, those dollars are in high demand all around the world to buy Treasury debt (one of the biggest safe havens in the global market right now, so much so that buying T-debt is considered ""saving""). This is why the yields on Treasury bonds and notes are at historic lows; it's bad everywhere, and U.S. Government debt is one of the surest things in the world market, especially now that Euro-bonds have become suspect. Currency Devaluation - This is basically specialized inflation; when there are more dollars in the market than people want to have in order to use to buy our goods and services, demand for our currency (the medium of trade for our goods and services) drops, and it takes fewer Euros, Yen or Yuan to buy a dollar. This can happen even if demand for our dollars inside our own borders is high, and is generally a function of our trade situation; if we're buying more from other countries than they are from us, then our dollars are flooding the currency exchange markets and thus become cheaper because they're easy to get. Again, there are other variables at play here that keep our currency strong. First off, again, it's bad everywhere; nobody's buying anything from anyone (relatively speaking) and so the relative trade deficits aren't moving much. In addition, devaluation without inflation is self-stablizing; if currency devalues but inflation is low, the cheaper currency makes the things that currency can buy cheaper, which encourages people to buy them. At the same time, the more expensive foreign currency increases the cost in dollars of foreign-made goods. All of this can be beneficial from a money policy standpoint; devaluation makes American goods cheaper to Americans and to foreign consumers alike than foreign goods, and so a policy that puts downward pressure on the dollar but doesn't make inflation a risk can help American manufacturing and other producer businesses. China knows this just as well as we do, and for decades has been artificially fixing the exchange rate of the Renmin B (Yuan) lower than its true value against the dollar, meaning that no matter how cheap American goods get on the world market, Chinese goods are still cheaper, because by definition the Yuan has greater purchasing power for the same cost in dollars. In addition, dollars aren't only used to buy American-made goods and services. The U.S. has positioned its currency over the years to be an international medium of trade for several key commodities (like oil), and the primary currency for global lenders like the IMF and the World Bank. That means that dollars become necessary to buy these things, and are received from and must be repaid to these institutions, and thus the dollar has a built-in demand pretty much regardless of our trade deficits.  On top of all that, a lot of countries base their own currencies on our dollar, by basically buying dollars (using other valuable media like gold or oil) and then holding that cash in their own central banks as the store of value backing their own paper money. This is called a ""dollar board"". Their money becomes worth a particular fraction of a dollar by definition, and that relationship is very precisely controllable; with 10 billion dollars in the vault, and 20 billion Kabukis issued from Kabukistan's central bank, a Kabuki is worth $.50. Print an additional 20 billion Kabuki and the value of one Kabuki decreases to $.25; buy an additional 10 billion dollars and the Kabuki's value increases again to $.50. Quite a few countries do this, mostly in South America, again creating a built-in demand for U.S. dollars and also tying the U.S. dollar to the value of the exports of that country. If Kabukistan's goods become highly demanded by Europe, and its currency increases relative to the dollar, then the U.S. dollar gets a boost because by definition it is worth an exact, fixed number of Kabukis (and also because a country with a dollar board typically has no problem accepting dollars as payment and then printing Kabukis to maintain the exchange rate)"


"I'm an attorney so you'll have to trust me when I say that anything can make it to court. Especially if the people threatening litigation have the resources to pursue any claim, no matter how weak it is.   Yes, the small business may win a motion to dismiss, but by that point you've shelled out a decent percentage of your profit on legal fees to draft and file a motion to dismiss.   And if you end up with a judge who isn't that familiar with IP law, he may not even grant the MTD, and you'd end up shelling out more money for either a summary judgment motion or a full on trial. You may eventually win on appeal, but by then you've spent a small fortune, far and above anything you would have made in profits.   Then there's also the question of whether they actually *have* a real legal claim. I'm not an IP lawyer, so can't say for sure. But given that we live in a world where someone can trademark the phrase ""You're Fired"", I wouldn't be surprised if certain jurisdictions would decide that this suit design is associated with the fighter's brand. And if they do, then they would lose on appeal too."


Its not just late fees. The fees for going over your credit limit are exorbitant. To make things worse, they will rearrange the transactions you make during a day so that they can charge you more by making more of them fail.


"Your bank is maintaining different states for transactions, and changing the state depending on real-world events and the passage of time. withdraw €100 from my bank account on 30 September […] my bank does not process the transaction until 2 October. The bank probably have that transaction marked as “pending” on 30 September, and “cleared” on 2 October. transfer €100 from Bank A to Bank B, Bank A's statement dates the transaction on 20 September, but Bank B dates it as coming in on 22 September. Similarly, bank A will have the transaction marked as “pending” initially. Bank B won't have a corresponding transaction at all, until later; they'll have it “pending” too, until they confirm the transfer. Then (probably at different times from each other) the banks will each mark the corresponding transactions “cleared”. The bookkeeping software that I use doesn't seem to allow for this ""transfer time"" between accounts. When I enter a transfer from one account to another, they both have to have the same date. You may want to learn about different bases of accounting. The simpler option is “cash-based” accounting. The simplification comes from assuming transactions take no time to transfer from one account to another, and are instantly available after that. Your book-keeping software probably books using this simpler basis for your personal finances. The more complex “accrual-based” accounting tracks each individual transaction through multiple states – “pending”, “transfer”, “cleared”, etc. – with state changes at different times – time of trade, time of settlement, etc. – to more accurately reflect the real world agreements between parties, and different availability of the money to each party. So if your book-keeping program uses “cash basis”, you'll need to pick which inaccuracy you want: book the transfer when you did it, or book the transfer when the money is available at the other end."


Because people are going deeper into debt and filing for bankruptcy more often, there is more risk on behalf of the credit company.  Therefore, they limit their risk by lower limits and increasing interest. For every person that goes bankrupt, there might be 10 that pay that new higher interest rate, thereby netting a profit even though they lost out completely on the one customer. The recent legislation limited how and under what circumstance rate are adjusted and raised, but not forbidden. As for the fact that these banks took tax money under the idea (we all thought) I see two points of view. We never should have had the credit we did, so they are correcting and you (like me and millions of others) are suffering for their prior mistakes.  It is an honest attempt to correct the system for long term stability even if we suffer in the short term. We gave them tax money, they need to not screw us over.  In response to the still frozen credit markets I would suggest penalty taxes to companies that do not lend. Penalties to companies that do not modify mortgages.  The second you take government money is the last second a you are entitled to a profit of anything.  Furthermore, we the people bought you and we the people get to decide your salary. The bottom line is there is truth in both statements.  Things are totally screwed up right now because we ALL made mistakes in the past trying to get a bigger profit or own a bigger house.  There are those among us who didn't make a mistake, and those among us who made nothing but mistakes.  As a society, we have to pay the piper either way. The best thing you can do now is pay down your debts, live simply and spend your money wisely.


"The failure of the Facebook IPO has everything to do with public access to markets. It certainly was overvalued at issue and there were a host of other problems as well but, the main issue that has caused the problem is that there were too many ""Armchair Analysts"" in on it. Less sofisiticated investors got in on Facebook at $38+ because they liked Facebook and everyone they knew liked Facebook. By and large they couldn't read a balance sheet or describe how the firm made money. As such as soon as it began to decline they sold without regard for the loss. Very few if any professionals actually baught it at launch and more than One pro shorted the position and cleaned up. I find it humorous that while most people would never think of trying to buy a house withotu a realtor they are perfectly happy buying thier own stocks without professional advice. Say what you want about the finance industry but, for the VAST majority of people having an advisor is a far smarter option."


The CNBC site is littered with videos. Whenever I click a link to one of their articles, it seems to be a video instead. Not like having the channel streamed, but most of the top stories.


Would a rose smell as sweet if you called it a stench blossom? Excerpt on gifts from an LBMC article: The payment must be in the nature of “something for nothing.” It is   not a gift if the payment is a reward for services rendered. With   regard to payments made by an individual to a service provider, it is   difficult to argue that such payments constitute gifts, even when the   amounts are paid at the holidays. You can pretend it's a gift, but if you got it at your place of work after performing a service for the patron, it's a tip.


These bids are always up to the judgement of the Public Utilities Commission of Texas, and one of their bigger hangups over the NextEra bid was that NextEra essentially wanted almost complete control of Oncor.   Berkshire Hathaway's bid includes keeping Oncor's board and allowing Oncor to operate itself, so the thought is that the PUC will be more in favor of that.


> this tech boom is different  I remember hearing that so often last time, lol.   There is a lot of consolidation among the big 4 or 5. Amazon for example doesn't turn a profit, or give dividends. so you buy it for growth. after amazon eats the grocery sector few options are left. the remaining consumer sectors are smaller and either already being consumed by very entrenched rivals (media) or already being eaten by amazon(consumer goods). I don't see an easy next move for them. real estate? health care? other countries?


Edited to add an important one that I forgot, because I don't have a TV myself. You need to: That's really about it, unless you're employing people or running a business turning over more than £81,000 per year (or doing one of a number of relatively unlikely things that require specific paperwork, such as owning a horse or farm animal (but not a dog or cat or similar)). It's not a bureaucratic country. None of those things except the driving licence/car tax/MOT test/car insurance will be a police matter if omitted, but you could be fined for them (although it's vanishingly unlikely that you'd be fined for not registering to vote and for jury service). You don't need to understand the law before being on a jury, because it's the judge's job to ensure that the jury understand the law as it relates to the case in front of them. A few pieces of paperwork jargon for you:


"Aren't member states doing that already? I understood every European state already pays to the central EU ""government"" (or whatever the exact term is), and that indeed for some states already pay more than they receive.  Ultimately though, I can't help but think something similar must already happen within the country as well. Without a doubt there will be richer and poorer regions in Germany. Maybe Frankfurt is quite rich and the southern part is poor? But does that mean Frankfurt should become an independent country, or does it mean people from Frankfurt aren't proud to have the rest of the country as a part of Germany?"


"I had about $16k in student loans. I defaulted on the loans, and they got  > passed to a collection type agency (OSCEOLA).  These guys are as legitimate as a collection agency can be. One thing that I feel is very sketchy is when they were verifying my identity they said ""Does your Social Security Number end in ####. Is your Birthday Month/Day/Year.""  That is not sketchy. It would be sketchy for a caller to ask you to give that information; that's a common scheme for identity theft. OSCEOLA are following the rules on this one. My mom suggested I should consider applying for bankruptcy Won't help. Student loans can't be discharged in bankruptcy. You have the bankruptcy ""reform"" act passed during the Bush 43 regime for that. The loan itself is from school. What school? Contact them and ask for help. They may have washed their hands of your case when they turned over your file to OSCEOLA. Then again, they may not. It's worth finding out.   Also, name and shame the school. Future applicants should be warned that they will do this.  What can I do to aid in my negotiations with this company? Don't negotiate on the phone. You've discovered that they won't honor such negotiations. Ask for written communications sent by postal mail. Keep copies of everything, including both sides of the canceled checks you use to make payments (during the six months and in the future). Keep making the payments you agreed to in the conversation six months ago. Do not, EVER, ignore a letter from them. Do not, EVER, skip going to court if they send you a summons to appear. They count on people doing this. They can get a default judgement if you don't show up. Then you're well and truly screwed. What do you want? You want the $4K fee removed. If you want something else, figure out  what it is. Here's what to do: Write them a polite letter explaining what you said here. Recount the conversation you had with their telephone agent where they said they would remove the $4K fee if you made payments.  Recount the later conversation. If possible give the dates of both conversations and the names of the both agents.   Explain the situation completely. Don't assume the recipient of your letter knows anything about your case. Include evidence that you made payments as agreed during the six months. If you were late or something, don't withhold that.  Ask them to remove the extra $4K from your account, and ask for whatever else you want. Send the letter to them with a return receipt requested, or even registered mail. That will prevent them from claiming they didn't get it. And it will show them you're serious. Write a cover letter admitting your default, saying you relied on their negotiation to set things straight, and saying you're dismayed they aren't sticking to their word. The cover letter should ask for help sorting this out. Send copies of the letter with the cover letter to: Be sure to mark your letter to OSCEOLA ""cc"" all these folks, so they know you are asking for help. It can't hurt to call your congressional representative's office and ask to whom you should send the letter, and then address it by name. This is called Constituent Service, and they take pride in it. If you send this letter with copies you're letting them know you intend to fight.  The collection agency may decide it's not worth the fight to get the $4K and decide to let it go.   Again, if they call to pressure you, say you'd rather communicate in writing, and that they are not to call you by telephone. Then hang up.  Should I hire a lawyer?  Yes, but only if you get a court summons or if you don't get anywhere with this. You can give the lawyer all this paperwork I've suggested here, and it will help her come up to speed on your case. This is the kind of stuff the lawyer would do for you at well over $100 per hour. Is bankruptcy really an option Certainly not, unfortunately. Never forget that student lenders and their collection agencies are dangerous and clever predators. You are their lawful prey. They look at you, lick their chops, and think, ""food."" Watch John Oliver's takedown of that industry.  https://www.youtube.com/watch?v=hxUAntt1z2c Good luck and stay safe."


I would suggest, both as an investor and as someone who has some experience with a family-run trust (not my own), that this is probably not something you should get involved with, unless the money is money you're not worried about - money that otherwise would turn into trips to the movies or something like that.  If you're willing to treat it as such, then I'd say go for it. First off, this is not a short or medium term investment.  This sort of thing will not be profitable right away, and it will take quite a few years to become profitable to the point that you could take money out of it - if ever.  Your money will be effectively, if not actually, locked up for years, and be nearly entirely illiquid. Second, it's not necessarily a good investment even considering that.  Real estate is something people tend to feel like it should be an amazing investment that just makes you money, and is better than risky things like the stock market; except it's really not.  It's quite risky, vulnerable to things like the 2008 crash, but also to things like a local market being a bit down, or having several months with no renter.   The amount your fund will have in it (at most $100x15/month) won't be enough to buy even one property for years ($1500/month means you're looking at what, 100-150 months before you have enough?), and as such won't have enough to buy multiple properties for even longer, which is where you reach some stability.  Having a washing machine break down or a roof leak is a big deal when you only have one property to manage; having five or six properties spreads out the risk significantly. You won't get tax breaks from this, of course, and that's where the real issue is for you.  You would be far better off putting your money in a Roth IRA (or a regular IRA, but based on your career choice and current income, I'd strongly consider a Roth).  You'll get tax free growth, less risky than this fund AND probably faster growing - but regardless of both of those, tax free.  That 15-25% that Uncle Sam is giving you back is a huge, huge deal, greater than any return a fund is going to give you (and if they promise that high, run far and fast). Finally, as someone who's watched a family trust work at managing itself - it's a huge, huge headache, and not something I'd recommend at least (unless it comes with money, in which case it's of course a different story).  You won't agree on investments, inevitably, and you'll end up spending huge amounts of time trying to convince each other to go with your idea - and it will likely end up being fairly stagnant and conservative, because that's what everyone will be able to at least not object to. It might be something you all enjoy doing, in which case good luck - but definitely not my cup of tea.


"Your argument comes down to ""he is presumed guilty until proven innocent"", a common injustice found in many authoritarian dictatorships and theocracies throughout history.    Your argument seems based on the assumption that M. Armstrong is guilty without a requirement for any evidence that he did anything.    I reject your 'guilty until proven innocent' as ethically bankrupt."


>*The budget deficit in the U.S. this year will be wider than predicted four months ago as weaker-than-expected economic growth in the first half hurt tax revenue, the Congressional Budget Office said.*  >*The projected shortfall will be $506 billion in the 12 months ending Sept. 30, compared with an April prediction for $492 billion, the nonpartisan CBO said today in a report. That would be 2.9 percent of gross domestic product, the smallest since 2007 as a share of the economy, compared with a gap of $680 billion, or 4.1 percent of GDP, last fiscal year, it said.*  Cross-post from /r/MAConservative


"The mortgage tax deduction can at most apply to two mortgages. IRS Publication 936 lays this out pretty clearly. There might be other deductions available if you are using the houses as a commercial entity, but that's more ""corporate taxes"" than ""personal taxes"". I know there are tax laws for dealing with interest, depreciation, capital expenses that businesses use."


This makes a lot of sense. So yeah you can’t cheat the FTC anymore but users also can’t cheat you anymore. Essentially that’s what you’re saying right? Also I say “you”  meaning dishonest marketers of which the world is full of. I wasn’t accusing you of being dishonest. I used to work for a company that made apps and we did all of our marketing on Instagram because it was the only thing that had a return on investment. It was dishonest but from the numbers it was literally the only thing that worked for what we could afford as an app development start up because app development certainly isn’t cheap or fast.


Options are contractual instruments. Most options you'll run into are contracts which allow you to buy or sell stock at a given price at some time in the future, if you feel like it (it gives you the option). These are Call and Put options, respectively (for buying the stock and selling the stock). If you have a lot of money in an index fund ETF, you may be able to protect your portfolio against a market decline by (e.g.) buying Put options against the ETF for a substantially lower price than the index fund currently trades at. If the market crashes and your fund falls in value significantly, you can exercise the options, selling the fund at the price that your option has specified (to the counter-party of your contract). This is the risk that the option mitigates against. Even if you don't have one particular fund with your investments, you could still buy a put option on a similar fund, and resell it to another person in lieu of exercise (they would be capable of buying the stock and performing the exercise themselves for profit if necessary). In general, if you are buying an option for safety, it should be an option either on something you own, or something whose price behavior will mimic something you own. You will note that options are linked to the price of stocks. Futures are contracts whose values are linked to the price of other things, typically commodities such as oil, gold, or orange juice. Their behaviors may diverge. With an option you can have a contractual guarantee on the exact investment you're trying to protect. (Additionally, many commodities' value may fall at the same time that stock investments fall: during economic contractions which reduce industrial activity, resulting in lower profits for firms and less demand for commodities.) You may also note that there are other structures that options may have - PUT options on index funds or similar instruments are probably most specifically relevant to your interests. The downside of protecting yourself with options is that it costs money to buy this option, and the option eventually expires, so you may lose money. Essentially, you are buying safety and risk-tolerance from the option contract's counterparty, and safety is not free. I cannot inform you what level of safety is appropriate for your portfolio's needs, but more safety is more expensive.


So a interesting note is that this doesn't seem to take into account cost of living arbitrage OR investments. The reason it's so good to make that money isn't so you can spend it on sports cars and cheap (read: expensive) women. If you invest you can put away like 50k/year, which will probably net you at least 5% return per year (more if you're risky) . So you make 100k for like 5 years, put away 250k and get like 20k from doing nothing.


>so I am unsure of whether or not re-selling other supplier’s inventory without their consent is legal  You shouldn't wait to find out after you start making sales.  >Is using generic names for sale a workaround for selling inventory without their consent?  That sounds like an issue concerning skirting around unauthorized resale of merchandise issues.  If you're concerned that buying a company's product from a Canadian distributor might not be authorized for resale in the United States, you should first ask the reseller and then ask the Company if not provided with a satisfactory answer. *Not* getting that answer beforehand could be disastrous.  Generally speaking however, let's assume you've got your logistics figured out. You need to find a specialized need in the market that bigger suppliers can't meet. If Staples is selling bulk plain/recyclable paper to get people in the door—you're never going to compete with them. You have to look for areas where companies like that can't compete. For example, a Martin Luther King Jr. Day themed line of stationary would be something you'd never find at Staples, but some people would buy in a heart beat. The trick is to find the *biggest* types of these ignored segments of buyers not addressed by larger players—and start inching your way into the market.   First step is to find your niche(s) and supply. This will probably be a balancing act, in that many suppliers will could give you good rates but not have the products you need. The second step, if you're selling online, is to develop effective digital marketing strategy to target your niche's keywords.


"Very different statement. ""There's an asset bubble/opacity in Chinese real estate and equities"" is a BIT different from ""I never trust anything coming out of China. They're all smoke and mirrors.""  China has, in fact, had rapid economic growth for decades. The fact that you are a student makes me suspect you've been taught laissez-faire ideology rather than a more historically-grounded economic analysis that includes the role of things like infrastructure projects in economic growth (the primary driver of China's boom)."


That is an opinion.  I don't think so.  Here are some differences: If you use credit responsibly and take the time to make sure the reporting agencies are being accurate, a good report can benefit you.  So that isn't like a criminal record. What is also important to know is that in the United States, a credit report is about you, not for you.  You are the product being sold.  This is, in my opinion, and unfortunate situation but it is what it is.  You will more than likely benefit for keeping a good report, even if you never use credit. There are many credit scores that can be calculated from your report; the score is just a number used to compare and evaluate you on a common set of criteria. If you think about it, that doesn't make sense.  The score is a reflection of how you use credit.  Having and using credit is a commitment.  Your are committing to the lender that you will repay them as agreed. Your choice is who you decide to make agreements with.  I personally find the business practices of my local credit union to be more palatable than the business practices of the national bank I was with.  I chose to use credit provided by the credit union rather than by the bank.  I am careful about where I take auto loans from, and to what extent I can control it, where I take home loans from. Since it is absolutely a commitment, you are personally responsible for making sure that you like who you are making commitments with.


Every day we look modern technology in being introduced in this modern world. [Cloud Computing]( http://coredesktop.com/) is also one the best forms of technology which is being used by us. This technology has modernized the working functionality of any business enterprise. There is no doubt, that cloud computing has made a huge impact on businesses. It has made an increase in efficiency that services can be utilized abruptly compare to classical techniques takes weeks and months.   Cloud Computing has given a unique feature of Flexibility. Different businesses have fluctuating bandwidth demands. Now with the help of Cloud, it’s easy to scale up your cloud capacity or reduce if required.  Document control, Data Security, Disaster recovery, Work from anywhere are some of the benefits for the businesses who are using Cloud computing as a service.


Unions can go away or be switched.  It has to be done with a vote just as establishing one does.  However, the rub is that these votes only come about if the membership wants it to begin with.  You can bet that the union itself would discourage it.  This makes it unlikely.  Switching to another union (state or national leadership) would work the same way.  Hiring a worker that doesn't want to be in a union is fine.  Using that as a discriminator is the problem.  Their decision to be in the union comes after they are hired, not before.  I am not sure on all the legal stuff, but you cannot go out with the intention of hiring only people who will stay out of the union.


>Not one of the components I listed did GM manufacture in the 1970s. Sure, if you were to look today, that list would be even greater including things like entire door assemblies, entire instrument clusters, even entire engines, but even in 1970 a huge amount of components were purchased rather than made.  Nor did I list the manufacturers of the BOXES that iPads are packaged in. (Nor the petroleum mining and refining that lead to the plastics used to mold the cases, wrap the wires, and shrinkwrap the boxes).  >I'm not sure that this won't happen. If it does it'll create a much different society as we suddenly can't afford all the crap that we've become accustomed to. I think it's equally likely that the equities market and the huge profits created in the financial industry and tech industries, along with the dollar being the world's only reserve currency will prop up the dollar and give rise to the bipolar society of which I describe.  Highly doubtful.  Such EXTREME bipolar societies are VERY unstable.


At least these people are looking for extra money by putting something into the system instead of just begging for dollars by the side of the road.   These situations make me sad because we don't want people who can't work to starve and we do need disability payments. On the other hand, we seem to have found a way to discourage people from doing even what they can do and this can't be the right way to handle things.


Thanks for the nice words. I do work in research actually, but I think there are a lots of people who would be a better AMA.  As far an intelligent policy, it really is simple. The people that have been in power have decided that not enforcing the law is better off for their prized constituents than enforcing it. The Democrats liked the illegals that became their voter base, the Republicans liked the cheap labor they provided to their corporate doners.   They have now wrapped all this in social justice nonsense so being practical is now akin to being racist. The solution is simply to enforce the existing laws.


"Banks don't generally ""Post"" transactions on Friday-Sunday, meaning any transfers made on those days don't show up until someone processes it on Monday. I would expect the money to show today, and call your bank tomorrow if it doesn't."


">That would be great ... if there were an objective and impartial standard for ""worth to society"". But there isn't, and so the price system (if uncorrupted by coercion) works beautifully. You don't have to decide if he's ""contributing to society"", you just decide if you want to buy his good at his price.   But now you haven't answered the question, you've changed the question."


In outdoor settings, stainless steel balustrades are washed off clean by the rains leading to almost zero maintenance.The polished look of Steel Balustrades gives your home a sleek and stylish appearance. They are a practical option when it comes to the safety of the users due to their strength and durability. Solid stainless steel is heavy and may be difficult to install but tubular stainless steel makes the balustrade lightweight and easier to handle.


The success of any business or company lies in its well-established organization structure. Just as a building requires proper construction to stand still for a long time, a proper structure is required for an organization to work effectively.  Here are some of the methodologies in which you can structure your business.  1. Chain of command Depending on the size of your organization, you can either build a long chain of command or a short chain of command. Chain of command refers to who you should report to within your organization.  2. Span of Control This is a basic element in an organization structure. It refers to how many subordinates can a higher authority person handle. For example, a CEO can handle 4 persons under him and then these 4 persons can further handle a specific amount of subordinates under them. This is referred to as a wide span of control. On the contrary, there is a narrow span of control also.   3. Centralization In centralization process, the decision-making power is focused at a single point. This is beneficiary for an organization to work effectively when compared to decentralization.  4. Specialization Again you can divide it into two categories. Employees working under high specialization get the benefit of mastering over a particular aspect. While those working under low specialization get the chance to explore every area but they can’t master their skills in a specific area. 5. Departmentalization If a company follows rigid departmentalization then there might be least or no interaction between different teams. Opposite to this, loose departmentalization provides the benefit of interaction and collaboration between different teams.  If you think that these things won’t work out or you need to have a detailed study on this subject, then you can feel free to seek the help of [Business Coaching] (https://www.getdrona.com/business-coaching/).


"In most cases, if you are a member of the class the law-firm will contact you via postal mail to notify you of the class action and give you an opportunity to opt-in or opt-out of participating in any settlement that happens.  More often than not, they take the opt-out approach, meaning that if you don't say you want out of the class it is assumed that you agree with the complaints as defined in the class action and would like to receive your portion of the money if there is a settlement.  If you haven't gotten such a letter and you think you should have, it is a good idea to contact the law firm. How do you find the law firm? Usually some Googling on ""class action"" and the name of the defendant company will get you there. Also, check the legal section of the classifieds of the local newspaper, they sometimes advertise them there.  Typically they aren't hard to find because it is in the law firm's best interest to have everyone sign on to their class action for a number of reasons including: If you have a lot of people who are supposedly aggrieved, it makes the defendant look more likely to be guilty, and more participants can equate to higher settlement amounts (for which the law firm gets a percentage). That is why you see non-stop ads on daytime TV for lawyers marketing class action cases and looking for people who took this drug, or had that hip implant. Once a settlement occurs and you are a member of that class, there are a number of ways you might get your piece including: - A credit to your account. - A check in the mail. - A coupon or some other consideration for your damages (lame) - A promise that they will stop doing the bad thing and maybe some changes (in your favor) on the terms of your account. A final note: Don't get your hopes up. The lawyers are usually the only ones who make any substantial money from these things, not the class members. I've been paid settlements from lots of these things and it is rare for it to be more than $25, but the time the spoils are divided. I've gotten NUMEROUS settlements where my share was less than a dollar. There are some decent resources on ClassAction.com, but beware that although the site has some good information, it is primarily just an ad for a lawfirm. Also, note that I am not affiliated with that site nor can I vouch for any information contained there. They are not an impartial source, so understand that when reading anything on there."


"They have lots n' lots of cash. Like billions.  My guess is once they reach the ""plateau"" they will realize they are stagnating and will shift strategies into buying popular micro-brews and specialty beer companies to capture more of what they think of now as the ""niche"" market."


"The [BBC article](http://www.bbc.com/news/business-40338220?ns_mchannel=social&ns_campaign=bbc_breaking&ns_source=twitter&ns_linkname=news_central) is rather better on this topic:  >The first charge, conspiracy to commit fraud, relates to ""advisory"" fees paid to Qatar. The second - ""unlawful assistance"" - could be more serious.  >It relates to a £2bn loan advanced to Qatar after the fundraisings were negotiated, the implication being that there was a money-go-round at work - Barclays was handing Qatar some of the money it was using to support the British bank."


I used to work at a record keeping company, and while we worked with plan administrators through transitions in investment offerings, we never actually worked through a forced sale.  From what I recall I thought that was illegal, and that all the administrator can do is stop offering the investment (i.e. no new buy ins), but people who still have their money in it can either continue to hold or sell.


"Both? Munny (eastwood) is killing bill 'cause bill tortured and killed his best friend. The ""deserved got nothing to do with it"" line is because he himself used to be a bandit and a murderer and feels like he just as likely deserves to die as the man he is killing, but that entire movie is about violent retributive justice.  Least that's my interpretation of it.  Oh yeah, and the guy who made unforgiven also made ""The day after trinity"" which is a bit slow paced, but is also one of the single most intense portraits of well intentioned human destruction I have ever seen. They interview all these physicists and engineers who built the A-Bomb and then flew to hiroshima and walked around seeing the realization of their work. They go full 1000 yard stare and just sort of lose it a little. It's worth seeing."


"It's never too early to start estate planning, and if you already have a family, getting your personal affairs in order is a must. The sooner you start planning, the more prepared you will be for life's unexpected twists and turns.  The following tips, aimed at those under 40, can help you approach and simplify the estate planning process:  Start now, regardless of net worth. [Estate planning](http://money.usnews.com/money/personal-finance/articles/2013/09/19/estate-planning-tips-for-people-under-40) is a crucial process for everyone, regardless of wealth level, says Marc Henn, a certified financial planner and president of Harvest Financial Advisors. ""Many people will say, 'Well, I don't have a lot of assets, therefore I don't need an estate plan,'"" he says. ""Maybe you only have debt, but it still applies. If you want the people around you to appropriately deal with your finances, a plan is still just as important.""  This is especially true if you are responsible for financially dependent individuals, such as young children. ""The less you have, the more important every bit you've got is to you and the people you care about,"" says Lawrence Lehmann, a partner at Lehmann, Norman and Marcus L.C. in New Orleans. ""If you don't have much money, you really can't afford to make a mistake.""  Have the ""what if?"" conversation with friends and family. Before jumping into the estate planning process, it's important to establish exactly what you want, and need, to happen after you die and relay those wishes to those around you.  ""We find that the best transitions and financial transfers happen when all family members are involved in the [decision making](http://corlisslawgroup.com),"" says John Sweeney, executive vice president of retirement and investing strategies at Fidelity Investments. ""This way, after a loved one is gone, no one is squabbling over a couch or going, 'Why did person A get more than person B?' If wishes are laid out clearly while the individual is living, they can share the rationale behind the decisions.""  Focus on the basic estate plan components. Experts say life insurance, a will, a living will and a durable power of attorney are all important aspects of an estate plan that should be established at the start of the planning process.  In the event of an untimely death, life insurance can replace lost earnings, which can be especially beneficial for younger individuals, says Bill Kirchick, a partner with Bingham McCutchen law firm in Boston. ""Young people can't afford to die,"" he says. ""They are going to lose a source of income if something happens to a young couple and they haven't had enough time to accumulate wealth from earnings to put aside in savings or a retirement plan."" Also, the earlier you take out a life insurance policy, the more likely you are to be approved for reduced rates compared to older individuals.  Utilize estate planning professionals. To draft these basic estate plans, experts recommend carefully selecting a team of professionals who will educate you and draft what you need based on your individual situation. ""Don't feel like you have to jump at the first person whose name is given to you,"" Kirchick says. ""I think that people should interview two or more attorneys, accountants, trust officers, financial advisors and so on.""  According to financial planning experts, the average initial cost for the legal drafting of a will, living will and durable power of attorney documentation is between $500 and $1,200, depending on the family size and location.  Continue to review your plan over time. Finally, your estate plan should never be a ""one and done thing,"" according to Henn. ""Every five to seven years, the documents should be readdressed to adapt to significant life events, tax law changes or even the addition of more children,"" he says. It is also important to keep tabs on your insurance policies and investments, as they all tie into the estate plan and can fluctuate based on the economic environment. If you have to make revisions, Henn says it will cost as much as it did to create the documents in the first place."


The program placed orders in 25-millisecond bursts involving about 500 stocks, according to Nanex, a market data firm. The algorithm never executed a single trade, and it abruptly ended at about 10:30 a.m. ET Friday.  So it changed its mind every single time?  That's either a bug or it's front running.  I think it's front running no matter how you look at it.    If I ran the SEC, I'd put in place a rule that says all orders must stand for 2 seconds before they can be cancelled.  That's enough time for humans to react in the market.  This 25 ms for 500 stocks is nonsense.  That's just front running to defraud real investors and make money on very small differences in price millions of times a day.  It distorts the markets and does no good for anyone except the brokerage that is running the scam.


This all happens at once and quickly. Not in order.  So the HFT floods the exchange with orders. This is independent of anything. They would be doing this no matter what. Simply in anticipation of finding someone who will want what they're trying to buy.   They then notice someone wants what they have a buy order for. They, at the same time, cancel all orders that don't fit this criteria. At the same time, they're testing this guy to see what his price is. So while they're testing this guy they're cancelling all orders that are above his strike price for that stock. They let the right order go through, for a lower price. If they can't get a lower price, they just forget it. However, they probably can because they were in line first. They're buying before this guy and AFTER they know what he wants to pay.    Then, they sell it to him.


One aspect of this - no matter which valuation method you choose - is that there are limited shares available to buy. Other people already know those valuation methods and have decided to buy those shares, paying higher than the previous person to notice this and take a risk. So this means that even after you have calculated the company's assets and future growth, you will be possibly buying shares that are way more expensive and overvalued than they will be in the future. You have to consider that, or you may be stuck with a loss for decades. And during that time, the company will get new management or their industry will change, completely undermining whatever fundamentals you originally considered.


"US currency, today, can be used for useful things like selling a car, but there's nothing stopping you for trading it for something else.  On edit; I've been thinking about this, and I think that the problem is that currency exists as a. edium to pay taxes.  The usefulness of it for non-governmental transactions is a secondary benefit.  However, without them full faith and credit ofma government somewhere the currency would be worthless.  For example, see Zimbbwean currency or any non-convertible currency.  *extra edit--altogether too many ""m's."""


'Perfect' credit would be defined by your credit score.  You may have a perfect repayment history, but that is only one factor in your credit score.  Paying off a loan early doesn't by itself cause your score to go down.  A lack of history, however, will result in a lower score.  Lenders use the score because the general consensus is that what you have done in the past is the best indicator of what you will do in the future.  In essence, your credit score tells a potential creditor what type of risk they are taking by lending you money.  If you have very little history, the risk is not necessarily higher, but it is less predictable, so you have a lower score. These pages explain what makes up your credit score: http://www.myfico.com/credit-education/whats-in-your-credit-score/ https://www.cnbc.com/id/36737279 https://www.creditcards.com/credit-card-news/help/5-parts-components-fico-credit-score-6000.php


You have no idea where interest rates will go.  A year or two ago people thought 3% was absurdly low, why buy them?  And then interest rates dropped even further, so the people who bought then got more interest AND the present value went up since then.  If you'd done nothing you would have lost money.  Now, rates are REALLY absurdly low.  What do?  Well, they could drop even more!  It's possible.  We could also have 20 years of flatline - see Japan.  Sitting on your hands loses money.  What else should you do?  Put your money in risky equities?  A lot of people these days are buying dividend paying stocks now.  It's extremely foolhardy to treat stocks as fixed income because they are very far from it.  Overextending yourself and taking on too equity risk, IMO, is FAR more risky than accepting low interest rates+interest rate risk.  Finally: I don't exactly use bonds to make money, I use it as a safe haven while I wait for stocks to do something.  Stocks go up, I sell some and buy bonds.  Bonds go up I sell them and buy more stock.  It's nice to get a little interest on the side but not critical.  I could use cash (or 1month tbills) but I'm comfortable with the amount of risk-return that 5-10year bonds provide.


There is one way to make money quickly. If you are married and both are over 50 and you can put money into a deductible IRA for 2014. The $5,500 contribution  and $1,000 catch-up per person would allow the family to make a contribution of $13,000. If they are in the 25% tax bracket the $3,250 drop in their taxes would allow them to get a $325 bonus from their tax software.  Of course they would have already had to be getting a refund before the IRA contribution, or the new refund and bonus would be smaller. They would have had to meet all the program rules. And they must have a combination of 401Ks and AGI to allow deductible contributions.  This would drastically shorten the initial loan period.


Healthy workplaces are on everyone’s mind, especially for those of us who work there! If you are spending a lot of time at a desk or in front of your computer, it is vital to maintaining your health. A poorly designed work environment puts a strain on your neck, back, legs, and wrists, and contributes to fatigue, stress, and injury. You spend a lot of time in your office chair, so you should have one that is ergonomically designed and comfortable enough for extended use. A few tips about ergonomics and buying the right chair can be found at the end of this article. Here, sorted by price from lowest to highest, are the 10 best ergonomic chairs that we have identified for you. http://www.the10thcircle.com/best-ergonomic-office-chair


It’s all about networking in this situation. I don’t mean the gauge business sense of building relationships. It’s about going around 24/7 with the how can I help people attitude. Same for social media. For instance write 15 articles (2000+ words) per month about various things you sell focusing on your area. Attend, as has been a aid, local conferences and volunteer to help at local community events, etc. Small local businesses are hard. Most of the time it’s not about getting one things right, but about getting a lot of little things right over a long period. That’s what made Walmart such a success. Good luck!


"Here's what you need to know about Tinder, Facebook, Twitter, all of it.  If it's free... *you're* the product.  They are selling your info. You might think ""well what could Tinder have on me worth selling?"" and the answer is a metric fuck ton.  https://www.google.de/amp/s/amp.theguardian.com/technology/2017/sep/26/tinder-personal-data-dating-app-messages-hacked-sold  They approach companies. Companies approach them. It's business, and the product is your preferences and data."


In major East Coast cities, the universities often own large tracts of real-estate because they're simply very rich institutions with the longest lifespans and time horizons in the entire city.  But yeah, MIT is pretty much *the* engineering school in the United States.  CalTech can *maybe* compete.  And no, I'm not saying that because I like MIT.  I think they're suicide-inducing slave-mongers with a depressing campus who own half of Cambridge but pay no property taxes because they're a university.  I *like* the land-grant state universities and went to UMass Amherst.


If you sell through an intermediate who sets up the shop for you, odds are they collect and pay the sales tax for you. My experience is with publishing books through Amazon, where they definitely handle this for you. If you can find a retailer that will handle the tax implications, that might be a good reason to use them.  It looks like Etsy uses a different model where you yourself are responsible for the sales tax, which requires you to register with your state (looks like this is the information for New York) and pay the taxes yourself on a regular basis; see this link for a simple guide. If you're doing this, you'll need to keep track of how much tax you owe from your sales each month, quarter, or year (depending on the state laws).  You can usually be a sole proprietor, which is the easiest business structure to set up; if you want to limit your legal liability, or work with a partner, you may want to look into other forms of business structure, but for most craftspeople a sole proprietorship is fine to start out with.  If you do a sole proprietorship, you can probably file the income on a 1040 Schedule C when you do your personal taxes each year.


I don't know why Boeing tried this for the 787. The whole Airbus A3XX was a similar fiasco, and its part production was only spread around europe! Why boeing thought they could pull off development of a large plane while spreading it around the globe, I just don't get it.


What is it with people commenting on this post? One guy says we should emulate Europe, and force people to take vacations. Now this guy says we shouldn't be worried about our debt, because JAPAN is doing fine? What world do you people live on?


"Fuck this ""I'm going to slave away for your bank for 18 hours a day because money"" mindset. It's so shortsighted. You can suck a banks dick for 18hours a day for ten years and maybe they'll grace you with partner, or you could shit out a couple iPhone games and build WordPress sites and pull in fatty bucks while working from home in silk underwear.   EDIT: Yall mad that I'm challenging your work to death lifestyle huh? Don't be butthurt because you've been sucking bank cock for twenty years and it turns out a millennial can learn frontend in a couple months and instantly make what took you 10 years to get. I'm dumb as fuck and I swang it, it's the future, wake up.   EDIT2: Downvote away, if you're an analyst, one of us is going to automate your job in about a decade. Good luck."


"I can understand why some people like using the razors due to their anecdotal experiences, but the razors are essentially ""guided reasoning with premade assumptions.""     If you want to prove something in a rigorous way, preassumptions are usually not acceptable unless they are facts (i.e. 5 is always less than Infinity, 7 is always bigger than 0, odd is even +1, etc).    Merely by stating ""don't attribute to malice/stupidity"" usually fall under the fallacy of affirming the conclusion.      For example if a person A really is stupid and hate another person B, he could do everything wrong to make person B suffer. Under both razors, they'd conclude that person A is just incompetent. By proof of contradiction, I've just shown that the result of a model could be different from the truth, thus either the model is wrong or the truth is wrong.    Edit: a word"


Deliberately breaking transactions into smaller units to avoid reporting requirements is called structuring and may attract the attention of the IRS and/or law enforcement agencies.  I'm not sure what the specific laws are on structuring with respect to FBAR reporting requirements and/or electronic transfers (as opposed to cash transactions).  However, there's been substantial recent publicity about cases where people had their assets seized simply because federal agents suspected they were trying to avoid reporting requirements (even if there was no hard evidence of this).  It is safer not to risk it.  Don't try to structure your transactions to avoid the reporting requirements.


It is fully coupled with three channel system and makes it so easy to reach in a higher range. With this you are guaranteed to make the descent and flight up, forward and back as well as left and right.  This shows that you can also make reverse flight tips with less effort. It comes with a gyro system, which gives the heli sufficient stability.  The included remote control includes a trimmer as well as the mobile controls. The main function of the trimmer is that it completely compensates for any negative orientation.  For example, if the helicopter appears to lean further to the left, you can easily turn the trimmer to compensate. Also, keep in mind that RC helicopters work with infrared controls. This means they tend to be flown more slowly in direct sunlight.


That doesn't mean this is a bad decision for Toyota which you seem to be implying   -Mazda could do certain processes better than Toyota and vice versa, so they can combine their capabilities  -Mazda isn't a small company so the capacity and/or money spent on a new plant is still more with Mazda in the pic  To give an example to your point directly: If Toyota made it alone let's say they projected they get 1B profit / year.  If Mazda made it alone they project 100M profit /year.   With the combined capabilities of Mazda and Toyota, let's say the plant is projected to make 1.5B/ year. Then if the deal is Toyota keeps 1.2 and Mazda gets 0.3, then both parties benefit despite the fact that Toyota could make the plant itself   Mutually beneficial, unless these guys are just making dumb business decisions


How would you even go about firing someone for voting?  You couldn't possibly know how they voted -or *if* they voted.    No, no, you'd have to fire them because their political opinions led to irreconcilable differences in the operations of the company.  Doesn't seem to be any law against that.    Anyway, all that is just foolishness.  Why bring up politics at all?  You just take mental notes, wait a  while, then lay them off at the end of the next quarter.  Problem solved.


I won't repeat what's already been said, but I agree that it's a good move to take advantage of the free financing so long as you read the fine print carefully, keep the money designated to pay off this debt and not use it for anything else, and make sure to pay it off before you get smacked with some bad interest. One thing that hasn't been mentioned is that this kind of offer can help build credit.  You mentioned that you already have excellent credit, but for someone who has good credit, this could be an account that, if used carefully, could give their credit a boost by adding to their history of on-time payments.


You can always use those virtual/paper trading games/websites/apps instead of actually investing. They're completely free to use and you can use them to compete. You'll each create a portfolio of stocks and the game will simulate market conditions to see how your stocks would perform real-time.   It's a great way to learn how to invest, and discussing what happened/why _____ sector performed higher/etc. It's a great way to start.  If you're looking for a discussion-type thing, start off by reading the Intelligent Investor by Benjamin Graham, and discuss amongst the club.  Frankly, I don't see why you can't do both, investing and discussing/learning.  Virtual Trading Websites: MarketWatch Virtual Stock Exchange  Apps: StockWars: Virtual Trading


...? My government... Canada? Minerals.. I thought we were talking about water. Water rights and NAFTA have been an ongoing issue and it's exacerbated by global warming and increasing desertification in the US, which incidentally has a [simple solution which would also likely improve your meat quality.](https://www.google.ca/url?sa=t&rct=j&q=&esrc=s&source=web&cd=3&cad=rja&uact=8&ved=0ahUKEwiH5YXjirfWAhUE5YMKHQ7SD8YQtwIINjAC&url=https%3A%2F%2Fwww.ted.com%2Ftalks%2Fallan_savory_how_to_green_the_world_s_deserts_and_reverse_climate_change&usg=AFQjCNGp6inK9-6BO_kFYmp9PivnTSlbuA)


"Keep in mind one possible gotcha on depositing a bonus into your 401K: Tax withholding. Depending on whether your employer combines your bonus onto a regular paycheck, you can be bitten if you allocate a large chunk to your 401K.  I suspect your bonus is, like most, subject to an arbitrary federal withholding requirement of 25%, and if you allocate 100% of the bonus to your 401K, the 25% withholding may come out of what would ordinarily be the take-home in your ""regular"" paycheck - leaving you with a literal take-home of zero for one pay period.  There are lots of variables in that calculation, obviously, but it's one a lot of people seem to overlook."


The car deal makes money 3 ways. If you pay in one lump payment. If the payment is greater than what they paid for the car, plus their expenses, they make a profit. They loan you the money. You make payments over months or years, if the total amount you pay is greater than what they paid for the car, plus their expenses, plus their finance expenses they make money. Of course the money takes years to come in, or they sell your loan to another business to get the money faster but in a smaller amount. You trade in a car and they sell it at a profit. Of course that new transaction could be a lump sum or a loan on the used car... They or course make money if you bring the car back for maintenance, or you buy lots of expensive dealer options. Some dealers wave two deals in front of you: get a 0% interest loan. These tend to be shorter 12 months vs 36,48,60 or even 72 months. The shorter length makes it harder for many to afford. If you can't swing the 12 large payments they offer you at x% loan for y years that keeps the payments in your budget. pay cash and get a rebate. If you take the rebate you can't get the 0% loan. If you take the 0% loan you can't get the rebate. The price you negotiate minus the rebate is enough to make a profit. The key is not letting them know which offer you are interested in. Don't even mention a trade in until the price of the new car has been finalized. Otherwise they will adjust the price, rebate, interest rate, length of loan,  and trade-in value to maximize their profit. The suggestion of running the numbers through a spreadsheet is a good one. If you get a loan for 2% from your bank/credit union for 3 years and the rebate from the dealer, it will cost less in total than the 0% loan from the dealer. The key is to get the loan approved by the bank/credit union before meeting with the dealer. The money from the bank looks like cash to the dealer.


Stop order is shorter term for stop-loss order.  The point being that is intended as a protective measure.  A buy stop order would be used to limit losses when an investor has sold a stock short.  (Meaning that they have borrowed stock and sold it, in hopes that they can take advantage of a decline in the stock's price by replacing the borrowed stock later at a cheaper price.  The idea is to limit losses due to a rising stock price.)  Meanwhile, a sell stop order would be used to limit losses on a stock that an investor actually owns, by selling it before the price declines further. The important thing to keep in mind about stop orders is that they turn into market orders when the stop price is reached.  This means that they will be filled at the best available price when the order is actually executed.  In fast moving markets, this can be a price that is quite different from the stop price. A limit order allows an investor to ensure that they do not buy/sell a stock at more/less than the specified amount. The thing to keep in mind is that a limit order is not guaranteed to execute. A stop-limit order is a combination of a stop-loss order and limit order, in that it becomes a limit order (instead of a market order) when the stop price is reached. Links to definitions: Stop order Stop-limit order Limit order Market order


Since you're 20-30 years out of retirement, you should be 90% to 100% in stocks, and in one or two broad stock market funds likely. I'm not sure about the minimums at TD Ameritrade, but at Vanguard even $3k will get you into the basic funds. One option is the Targeted Retirement Year funds, which automatically rebalance as you get closer to retirement.  They're a bit higher expense usually than a basic stock market fund, but they're often not too bad.  (Look for expenses under 0.5% annually, and preferably much lower - I pay 0.05% on mine for example.)   Otherwise, I'd just put everything into something simple - an S&P500 tracker for example (SPY or VOO are two examples) that has very low management fees.  Then when your 401(k) gets up and running, that may have fewer options and thus you may end up in something more conservative - don't feel like you have to balance each account separately when they're just starting, think of them as one whole balancing act for the first year or two.  Once they're each over $10k or so, then you can balance them individually (which you do want to do, to allow you to get better returns).


In addition to filling out the USPS custom forms, you will have to consider what the Brazilians allow for mailing into the country: Amusing that the items you are mailing are not on the prohibited list. The list ranges from money and weapons. to Playing cards and Primary educational books not written in Portuguese.  You still have to be careful.  Observations   Which means that you will have fill out the form, they will have to fill out forms, and they will pay the import duty when they pick it up at the pot office. Unless they were aking you to not declare the contents and value correctly.


Credit in debit way - the card simply functions like a debit card for that transaction - pulling cash from your checking account. No difference.  You've simply discovered the fact that some banks are using the same piece of plastic for two functions, debit which draws funds directly from your checking, and credit which offers you time to pay a bill the comes in some time later. It's a personal choice.


I don't understand the calculations in the comments by the OP. He says My monthly savings after mandatory expense is around USD 2000. This includes rent, expenses, emergency fund savings, and the monthly required payment of my auto loan.  (emphasis added) He has $2000 USD left over after monthly expenses (which includes rent, food, utilities etc, contribution towards emergency funds, and the required monthly payment on the auto loan). He claims that by applying the $2000 USD per month towards reducing the debt, it would take him 30-36 months to be debt-free.  But is it not the case that applying the $2000 to the student loan of $18K+ (while continuing to make the auto loan payments) will pay the student loan off in less than 10 months? If no payments are made on that $18K+ student loan, the accrued interest of about $2K in 10 months (this is (18.25*13.7%*)(10/12) for a total of $20K+). In actuality, with the loan being paid down, the interest will be much less. Once the student loan is paid off, the extra $2000 can go towards what is left of the $10K auto loan each month and  pay it off in another 4 or 5 months or so. So we are talking of 15 months max instead of 30-36 months. Of course, as Carlos Briebiescas points out, the car is more valuable as an asset than can be sold in case of job loss  creating  a need for cash etc, and so paying it off first might be better, but that is a different calculation.


What do you mean another one gets no job at all? There is more than one job in all of costco all across america. And there are other companies and jobs too. Some of which also pay a livable wage, that guy can apply to those instead of waiting for a handout.


There are plenty of good American beers. None of them are that popular tho.   Detroit has several micro breweries that make awesome beer. As do many other cities.   I don't want to sound like a hipster, but mainstream American beer sucks.


"That's an example of the Act applying to an adviser to a fund, not a fund being exempt from the Act.  An adviser to a 3(c)7 fund in this case is taking advantage of a safe harbor pertaining to performance-based compensation set forth in the Act.  The reasoning is that a 3(c)7 fund will by definition most likely be comprised of ""qualified clients."" The prohibition does apply to other private funds - such as 3(c)1 funds.  To the extent that their investors are not ""qualified clients,"" they are unable to charge a performance-based fee."


Legal Tender means you have to accept that money as payment for a legal (as in not illegal) debt.   If I'm in country X, and we go to court over a dispute of a debt, the law in most places is that the court will insist the debt be paid in the local legal tender at a specific amount.   As others already said below - taxes, etc -those are debts.  Eating at a restaurant is a debt (you ate it already) Filling up with gas without paying first is a debt. Employees work for you build up debt.   But in any private transaction where there is no debt, people are free to do whatever they want (let's ignore discrimination laws and whatnot for this discussion, mmkay?).   You can come into my store and I can insist that today I'll only accept euros.  Or jelly beans.  Or I can choose to simply not do business with you.   We are two free people who are under no obligation to do business with each other, and if we choose to, how we choose to remunerate each other for that business is completely up to us.  (How I pay the sales tax on that transaction, though, well, thats' between me and the tax authorites, and will be in the local legal tender)


You guys know, as the rest of us do, that these numbers are the tail end of the Obama economy, and by all indications, he gave DJ a good foundation upon which to proceed. From now on it'll increasingly be all him ... and we'll see.


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The reason Rausch Coleman homes are generally cheaper, is because they are a high volume dealer. Their communities usually have 5 to 7 floor plan options only. They get exceptional deals on their materials because of the volume of material bought. They have it down to a science when it comes to the numbers. As far as the quality of their homes, I cant answer that. I have never been in one or known of anyone that has bought one.


Make a deal with yourself. You can buy the things that you want, but only after you've read three books on behavioral economics. You should probably start first with Dan Ariely's Predictably Irrational, which will help you understand why the discount makes you covet the products even more than you would without it. Then find and read two more high-quality books from the same genre.  If you gain self-awareness from this, you will begin to understand why you are conflicted (hint: you really don't want the things you think you do). And you probably won't purchase anything in spite of the fact that you kept the first part of the bargain.


I mean the current account has four parts - goods trade, services trade, “primary” income (this used to just be investment income) and “secondary” incomes (this used to be just remittance and cash flows, Mexico has a lot of these). By definition, if you have a trade deficit but current account surplus it comes from primary/secondary income.   I’m not sure if it’s crisis mode - a true BoP shock is much more likely to come from having a lot of foreigners owning portfolio assets based on your country (ie Germans owning Spanish bonds sell the bonds, so Spain now has less money for imports).


"When you buy a put option, you're buying the right to sell stock at the ""strike"" price. To understand why you have to pay separately for that, consider the other side of the transaction. If I agree to trade stock for money at above market rates, I need to make up the difference somewhere or face bankruptcy.  That risk of loss is what the option price is about. You might assume that means the market expects the price of AMD to fall to 8.01 from it's current price of 8.06 by the option expiration date. But that would also mean call options below the market price is worthless. But that's not quite true; people who price options need to factor in volatility, since things change with time. The price MIGHT fall, and traders need to account for that risk. So 1.99 roughly represents the probability of AMD rising to 10. There's probably some technical analysis one can do to the chain, but I don't see any abnormality of AMD here."


That was my exact feeling reading this. It was a stroke of luck that Bob got bought out and an even bigger stroke of luck that he got into a position that he could help out the supplier.  If none of that had happened, he would have just cost the supplier money and woken somebody up at 2am for something that could have been dealt with the next morning.


Which is also part of the chain's problems. Grocery store prices are pretty low and you can easily make something better yourself.   The only way you can get people to spend money is to provide a better experience and these chains provide a shitty one.


"I probably don't understand something. I think you are correct about that.  :) The main way money enters the stock market is through investors investing and taking money out. Money doesn't exactly ""enter"" the stock market.  Shares of stock are bought and sold by investors to investors.  The market is just a mechanism for a buyer and seller to find each other. For the purposes of this question, we will only consider non-dividend stocks. Okay. When you buy stock, it is claimed that you own a small portion of the company. This statement has no backing, as you cannot exchange your stock for the company's assets. For example, if I bought $10 of Apple Stock early on, but it later went up to $399, I can't go to Apple and say ""I own $399 of you, here you go it back, give me an iPhone."" The only way to redeem this is to sell the stock to another investor (like a Ponzi Scheme.) It is true that when you own stock, you own a small portion of the company.  No, you can't just destroy your portion of the company; that wouldn't be fair to the other investors.  But you can very easily sell your portion to another investor.  The stock market facilitates that sale, making it very easy to either sell your shares or buy more shares. It's not a Ponzi scheme.  The only reason your hypothetical share is said to be ""worth"" $399 is that there is a buyer that wants to buy it at $399.  But there is a real company behind the stock, and it is making real money. There are several existing questions that discuss what gives a stock value besides a dividend: The stock market goes up only when more people invest in it. Although the stock market keeps tabs on Businesses, the profits of Businesses do not actually flow into the Stock Market. In particular, if no one puts money in the stock market, it doesn't matter how good the businesses do. The value of a stock is simply what a buyer is willing to pay for it.  You are correct that there is not always a correlation between the price of a stock and how well the company is doing.  But let's look at another hypothetical scenario. Let's say that I started and run a publicly-held company that sells widgets.  The company is doing very well; I'm selling lots of widgets.  In fact, the company is making incredible amounts of money.  However, the stock price is not going up as fast as our revenues.  This could be due to a number of reasons: investors might not be aware of our success, or investors might not think our success is sustainable.  I, as the founder, own lots of shares myself, and if I want a return on my investment, I can do a couple of things with the large revenues of the company: I can either continue to reinvest revenue in the company, growing the company even more (in the hopes that investors will start to notice and the stock price will rise), or I can start paying a dividend.  Either way, all the current stock holders benefit from the success of the company."


I think the logic in your example demonstrates it is silly to make a decision for tax benefits alone.   Saving 75 is much preferred to a cash outflow of 100 less tax savings of 25. To answer your question, paying mortgage interest represents the fee for the cheapest money most people will ever access, which in itself is a benefit (e.g. renting vs buying). The benefits are maximized when the aggregate of  appreciation, inflation, tax savings exceeds total interest expense.


"Reading wiki, are llc's publicly owned? I couldn't seem to find any info on liability protection either. I know that one of my friends purchased a small business that was pre-set up with llc. He didn't know much about it though other than it made things ""easier""."


"I agree that real income growth has been flat twenty years, but you're wrong about Americans owning stocks.  Anyone who has a pension is directly involved in ""gambling"" on the stock market.    Check out /r/personalfinance -- there are lots of people who invest/save money, but don't earn a lot.   There are options that are as cheap as $25/pay...It gives you a way to invest when you are young.  I have paid into a mutual fund/etfs since 21...wish I had done it sooner!"


You are trying to claim that a system that rewards greed, rent seeking and miserly behavior while devaluing work making ownership the only path to success is fair because it doesn't screw over absolutely everyone, just most people.    I disagree.


Instead of a simple buy signal, you need to be able to rank your investments from strong to weak on the buy scale and sell the weaker investments that you already own to buy the stronger investments that you have received signals from.


"While some taxi services have developed an app, taxis don't compete on price or coverage, to be honest.  For a very long time, in a lot of places, taxis have had a protected monopoly, leading to just fucknig terrible service and insane prices.    As an example, about a year ago I took the train up to Seattle.  On my trip home, I arrived on a weekday around 2p.  Middle of the day, nothing going on.  I called the local taxi service to pick me up and go maybe 3 miles.    I waited 45 minutes, finally called the dispatch and they said, ""Oh, it'll be another half hour.""  I said never mind, called an uber, and was home in about 15 minutes."


Congrats! That's a solid accomplishment for someone who is not even in college yet. I graduated college 3 years ago and I wish I was able to save more in college than I did. The rule of thumb with saving: the earlier the better.  My personal portfolio for retirement is comprised of four areas: Roth IRA contributions, 401k contributions, HSA contributions, Stock Market One of the greatest things about the college I attended was its co-op program. I had 3 internships - each were full time positions for 6 months. I strongly recommend, if its available, finding an internship for whatever major you are looking into. It will not only convince you that the career path you chose is what you want to do, but there are added benefits specifically in regards to retirement and savings. In all three of my co-ops I was able to apply 8% of my paycheck to my company's 401k plan. They also had matching available. As a result, my 401k had a pretty substantial savings amount by the time I graduated college. To circle back to your question, I would recommend investing the money into a Roth IRA or the stock market. I personally have yet to invest a significant amount of money in the stock market. Instead, I have been maxing out my retirement for the last three years. That means I'm adding 18k to my 401k, 5.5k to my Roth, and adding ~3k to my HSA (there are limits to each of these and you can find them online). Compounded interest is amazing (I'm just going to leave this here... https://www.moneyunder30.com/power-of-compound-interest).


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I would put about a month's worth of expenses in the highest-paying savings account that you find convenient to access. For the rest, I recommend Ally's High-Yield CDs — specifically, the 5-year option. Normally 5 years would be way too long to commit short-term savings to a CD. However, the Ally CDs allow you to break them for a penalty of only two months worth of interest. If you look at the graph below (from when the rates were 3.09% APY), you can see the effective interest rate at every possible time you break the CD early. Doing the math, if you can keep your savings in the account for at least four months, it will outperform any other current FDIC-backed investment that I am aware of, for the length of time the money was invested.  (credit: MyMoneyBlog)


It's very simple: The whole purpose of a credit card for the credit card company is that you borrow money and then pay them extortionate interest for the rest of your life. The way you describe yourself, you are the perfect victim. So the obvious thing for you to do is to not touch credit cards with a barge pole.  IF you decide to use a credit card, then what you should really, really do is to pay back the maximum amount possible all the time. Best is to pay off the credit card in full if at all possible.  Consider this: If you owe them money, the interest rate is so high that with the minimum payment, your debt will be growing all the time. Spend $1,000, pay $10 a month, and next year you owe $1,100 without having used the credit card at all. If you pay $32 a month as you mentioned, your $1,000 purchase is actually a multi-year loan. If you need a multi-year loan for a $1,000 purchase, an ordinary loan from your bank will be much, much cheaper.


Africa infuriates me.  It's a most amazing place with probably more potential than any other continent on earth.  And with insane levels of natural resources.  Yet the natives can't get it together.  They don't even have to innovate - just *copy* other countries.  It's not colonialism.   Ireland was probably colonised longer than any African country, yet it didn't collapse after independence.  And that's with very limited resources.  It will be interesting to see the path South Africa goes down.  All the people I know who live there are extremely pessimistic.  Look at the house owned by the president of the ANC's Youth League.  https://www.enca.com/south-africa/ancyl-president-mum-on-purchase-r5-million-estate  Such endemic corruption never ends well for anyone.


Depends on the flight, of course. If someone who is paid $200k+ a year is flying long haul to participate in some meetings, I want them at their best at those meetings, as their time is worth $100/hr.   Obviously absurd to fly business class on a one hour flight though.


"They say that banks earn 4 - 5% on deposits, so with lower costs they can give away 2-4%. They cite [this article](https://www.wsj.com/articles/u-s-banking-industry-annual-profit-hit-record-in-2016-1488295836) which says that ""return on equity [for banks] up at 9.32%, the highest level since 2013"". But [net interest margin](https://www.fdic.gov/bank/analytical/qbp/2017mar/chart4.html) is lower (2.5%-4.5%). And that's in a good year.  They elaborate in a blog post:  ""Fed Funds rates are supposed to affect deposit rates that banks pay to their customers, as, after all, deposit is a form of short term loan from depositor to the bank (see the explanation in our recent blog). However, as WalletHub notes in their recent report, it has not actually happened recently. As the report notes, for traditional branch-based banks, savings and checking account rates are virtually unchanged. You are probably getting the same 0.01% in your checking or savings account? Meanwhile, rates on your credit card went up by 0.53% since December 2015.""  ""So why aren’t deposit rates increasing? One reason often cited, is actually the relative decrease in the levels of competition in the U.S. market (as we described in our earlier blog). While there are still thousands of banks in the U.S., 4 control ~40% of the assets and close to half of the assets (loans). The other reason could be, perhaps, that after almost 10 years of getting close to zero in your bank account, you will forget that it could be any different. In fact, bank executives are puzzled why consumers are not “demanding” more on their deposits. You can walk to the branch and “demand” more money from your bank, but you may end up in county jail. The only other viable option is to take your deposits elsewhere, or vote with your feet."" (https://blog.meetbeam.com/draft-why-are-lending-rates-going-up-but-deposit-rates-are-not-76e050b382af)  ""Beam makes money by providing value-added services to our partnering bank and other financial service partners in the banking ecoysystem."" That sounds like they might be selling your data?"


"I'm not an accountant, and you should probably get the advice of one to be sure about what to do.  However, if the business is a sole-proprietorship, you'd complete a Schedule C for the business, and you'd end up with a loss at the end.  If the investment you made in the business is considered to be entirely or partially ""at risk"" per the IRS definition, you'd get to claim all or part of the loss as a reduction in your income.  If the business was an LLC, then you're beyond my already limited knowledge. There may be some other considerations based on whether this was really a business vs a hobby, and whether or not you're going to try to continue with the business, or whether you've shut it down.  I'm not sure about those parts, but they'd be worth exploring with an accountant."


000webhost is kind of shitty tbh.  It's been a while since I even heard about them.  If you're on a budget I'd reccomend buyshared.net, they have a really decent plan for $5/year.  I've been a hosting reseller through them and have nothing bad to say.  The support is relatively quick as well.


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