"The 529 plan does outline your scenarios. There are stipulations for providing the funds should the child get the scholarship. If the child decides not to go into further education (vocational and community schools count), the money can be withdrawn with a 10% penalty and taxes paid on interest earnings. Taxes wouldn't have to be paid for contributions as taxes were already paid on that money by the gift giver. The 529 could also be transferred to another child in the family (including grandchildren).  Here's an excerpt from www.savingforcollege.com: You'll never lose all of your savings. A 529 plan offers tax-free earnings and tax-free withdrawals as long as the money is used to pay   for college. If you end up taking a non-qualified withdrawal, you'll   incur income tax as well as a 10% penalty - but only on the earnings   portion of the withdrawal. Since your contributions were made with   after-tax money, they will never be taxed or penalized. You can avoid the penalty if you get a scholarship. There are a few special exceptions to the 10% penalty rule, including when the   beneficiary becomes incapacitated, attends a U.S. Military Academy or   gets a scholarship. In the case of a scholarship, non-qualified   withdrawals up to the amount of the tax-free scholarship can be taken   out penalty-free, but you'll have to pay income tax on the earnings.   As Savingforcollege.com founder Joe Hurley likes to say, ""the   scholarships have turned your tax-free 529 investment into a   tax-deferred 529 investment"". Note, a 529 is ideal for the sum of money you are looking at. A proper trust, set up by a lawyer, will cost as much as $2000 to set up, and would require an annual tax return, both unnecessary burdens. To make matters worse, the trust counts as the child's asset where financial aid is concerned. The 529 counts, but to a much lesser extent."


The sport is turning out to be very popular and there is a very sensible possibility that it will rival boxing in the forthcoming days. Though, for those that are just getting into the sport it can be a precipitous learning curve in terms of methods and purchasing the right gear such as  [MMA shorts](http://www.mmasportinggoods.com/).


As a point of comparison, the starting salary at Microsoft for a new college graduate is six figures. For senior positions it's easily much higher than that. That's similar to Apple and Google, except that Seattle has a far lower cost of living than Silicon Valley. Somehow, I don't think adequate pay is a problem.


You are right to be skeptical of timeshare listing companies.  As you can imagine, it is very difficult to actually sell a timeshare.  You know firsthand how awful they are; it takes trickery to sell them. True story: In my office building years ago, the office across the hall was occupied by a timeshare listing service.  One day about a dozen FBI agents showed up and raided the office. As with any service company like this, you can sometimes find reviews on the Better Business Bureau. As an alternative, instead of trying to sell your timeshare, you may want to hire a lawyer to try to get out of it.  I have absolutely no experience with this, but I have heard advertisements on the radio for one such firm called Timeshare Exit Team.  There may be others that do the same thing. Good luck.


You need to report your accounts, not other persons. However, if you have a joint account with another person - it is your account, jointly. So the joint account has to be reported, your girlfriend's personal accounts - not (unless the money there is yours or you have signature authority, of course). For a joint account - you need to report who are the joint holders, yes.


Not as obnoxious as being a part of a group of people who are so assured in their opinions that aren't even their own then use that stance to put themselves on a moral pedestal. I mean really, I'm doing the exact thing but my pedestal is made out of awareness.  So not really any more or less obnoxious to the person I was replying to.


Group home riches provide ways to become spiritually as well as financially rich. Disabled caregiver funding is also one such righteous way to earn money, that has been introduced by group home riches. People looking for a living out of some noble cause can definitely get rich dividends out of this and enjoying rewards for a good work is always spiritually overwhelming. There are many kinds of disabled caregiver funding available. Around 52 million people have opted for disabled caregiver funding.


"They aren't actually. It appears to be a low interest rate, but it doesn't cover their true cost of capital. It is a sales tactic where they are raising the sticker price/principal of the car, which is subsidizing the true cost of the loan, likely 4% or higher. It would be hard to believe that the true cost of a car loan would be less than for a mortgage, as with a mortgage the bank can reclaim an asset that tends to rise in value, compared to a used car, which will have fallen in value. This is one reason why you can generally get a better price with cash, because there is a margin built in, in addition to the fact that with cash they get all their profit today versus a discount of future cash flows from a loan by dealing with a bank or other lending company. So if you could see the entire transaction from the ""inside"", the car company would not actually be making money. The government rate is also so low that it often barely covers inflation, much less operating costs and profit. This is why any time you see ""0% Financing!"", it is generally a sales tactic designed to get your attention. A company cannot actually acquire capital at 0% to lend to you at 0%, because even if the nominal interest rate were 0%, there is an opportunity cost, as you have observed. A portion of the sticker price is covering the real cost, and subsidizing the monthly payment."


No, it doesn’t.  If I sell my eggs for a dollar each, I made that choice.  Capitalism gives us a mechanism by which to judge whether our deal will be financially lucrative or not.  Capitalism doesn’t set off the new craze for fitbits.  Capitalism shows the trend to allow you to take advantage of the craze.  And if you are saying I shouldn’t speak economics to you, then you are committing the logical fallacy of appeal to authority:  that just because you are an authority in the field, you must be right.  Authority ty is a good fall-back when you have no other methods to verify your decisions by, but authority alone doesn’t hold the reigns of truth.


">I oppose minimum wage laws as they ""cut"" people from employment  that is not true for developed economies  Basic income is a mixed bag depending on how you employ it, many countries have with varying success."


"I don't dispute that. The risk that your data may be stolen from any third party always exists. You accept that risk by using the third party. My point is that just because that risk exists it doesn't mean that ""the security is really bad"".  Many IoT devices have shit security practices but Google and Amazon are doing it right. And I'll continue to argue that until someone at DefCon next year proves me wrong."


IANAL, nor am I a financial professional. However, I've just looked into this because of a relative's death, and I have minor children. I am in the US. First, a named beneficiary on many accounts means that any proceeds are kept out of the estate and do not have to go through probate. That usually means that they're available much more quickly.  Second, a beneficiary statement trumps a will. The account may pay out long before a will is even filed with the probate court.  Third, you can name a trust as the beneficiary. In this case, because you want to make sure the money goes to your children, that's likely your best option.


I disagree. Sponsorship is the problem, or more specifically where it comes from. With commoditization of advertising, what happens is that any small player with a keyboard can become a news source, lowering the bar on what we consider news (though this goes for all content really). In turn this makes good content providers have far more competition and essentially lowers the bar for all sources, because most people will not pay a premium for great content. In the case of news, how does a news agency with researchers, fact checkers and overhead compete with a guy in his bedroom if clicks and eyeballs are the only source of comparison?   The buying of content, or native advertising as its being called, is a direct byproduct of this slippery slope and the ultimate desire of each person or entity to be successful, which in some cases means offering ‘new products’. This is nothing new, but has just grown exponentially as the barriers to entry have all but been removed.  At the end of the day this goes back to trust. If consumers put a premium on trusted content and channels because they want something like facts, vs. and echo chamber to reinforce a particular mindset, then it would be a different situation. Regrettably, free is what everyone one wants, but they forget one important thing - if your not paying for something, then your not the consumer, your probably the product. Obviously this in turn means it’s less important to get the reader real content vs. content that will keep them on site just a little longer than their competitors, for which they are rewarded.  So going back to the millennials, good for them for apparently being among the first group to collectively realize that they need to question everything and rely on their own research. They are natives of the misinformation age.


Just to add to @duffbeer703 comment, additionally, the cash value is NOT part of the death benefit. The policy is intended to grow the cash value to the point where it matches the death benefit and then it 'matures' and you get the cash. My point being, is that since they don't give you both, you are really transferring the reponsiblity from them to you over time, your savings (that you lose) becomes part of the death benefit and they supliment it with less and less over the years so that it would equal the death benefit. @duffbeer703 nailed it right on the head, buy term and invest the difference and once you've got your savings built, really the need for insurance isn't there any longer (if you've got 1/2 million saved, do you really need insurance?)


Đối với các Nhà đầu tư đang giao dịch, jimmy thấu hiểu nhu cầu gỡ rối khi tài khoản không may thua lỗ , jimmy cung cấp dịch vụ GỠ RỐI với các mức phí cố định sau: - 500,000 đồng/tuần (năm trăm ngàn đồng) nếu giao tài khoản đang còn >60% - 1,000,000 đồng/tuần (một triệu đồng) nếu giao tài kkhoản đang còn >40% - 2,000,000 đồng/tuần (hai triệu đồng) nếu giao tài kkhoản đang còn >20%


Investigative journalism is another form of entertainment. Yes, it also happens to provide a service to the public.  I have a budget and a family and I have to pick between different sources of entertainment. I *want* to give WaPo money for service, but I can't justify it at their current price. We don't go out to eat, we don't buy cable TV, and we don't go to the movies, so it's not like I can just give up a Big Mac to pay WaPo. At their current price point, they simply don't provide enough entertainment for me to give up a different source of entertainment to replace it with WaPo.  I am a relatively poor person who wants to stay informed and contribute to supporting investigative journalism, but they've price themselves out of my reach.


Discount brokers come and go. They tend to come with ridiculously cheap prices, and they go when they fail to gain traction, or raise their prices, at which point they can be undercut by a new player. Some brokers are nicer to people with more money, while others cater to small traders on simple low commissions. No matter which broker you choose, you aren't liable to make much money doing frequent trades with a small account. You either risk most of your money on every trade, or several small trades get sapped by commissions. It is understandable that you want to pay less given the disadvantages of a small account.  Just2Trade, USAA, Sogotrade, etc. have each been reasonable options in the < $4 a trade range. Many websites will give you a list of the top discount brokers of the year. As with any heavy discounter/deal that is too good to be true, find reputable referrals from people who use the service, and complaints from customers who have been burned.


There's not quite enough to answer the question in full. For the two years of non-payment, were there any penalties, or just accrued interest? If no penalties, this is a 3 step time-value-of-money calculation. First, take the terms of the loan and figure out the balance after 5 years.  Second, for two years, increase the balance by the monthly interest rate.  Last, calculate a new payment with a 13 year duration.  Excel or any business calculator can handle this.


THIS. That's why I'm fortunate enough to work a remote job where I live 3 hours north of NYC and have traveled 30 years back in time when it comes to prices of homes. I feel like even with shit credit, the hope of a dream home is much more attainable now that the cost/income ratio is where it should be.


AAAA Garage Door Co specializes in premium garage door repair services. We also provide commercial garage door products from manufacturers like CHI, Lift Master, Wayne Dalton, Amarr, Campbell, Genie, and Carriage House. We only work with the highest quality doors and products in the industry to provide high quality and long lasting garage door service. Some of our products include Wooden Doors, Steel Doors, Carriage House Doors, and Operating Systems, Full lines of residential and commercial doors/products.


Plaid is exactly what you are looking for! It's docs are easy to understand, and you can sign up to their API and use their free tier to get started. An example request to connect a user to Plaid and retrieve their transactions data (in JSON):


"If I open up fraudulent bank accounts, I go to jail.  I guess if I work for a bank and do it - because my boss tells me I need to to make quota - who goes to jail?  Laws were clearly broken, why no prosecutions and just civil fines?  Also, the whole ""businesses can regulate themselves"" is clearly BS for big banks because it took an independent investigation to get to the *real* truth.  Even when called out a year ago, Wells Fargo couldn't give the truth.  If there's a bank that deserves to be broken up because they're just plain shitty overall, it's Wells."


> No it's really not, I have no illusions that private school is any better than the public schools around here. The problems with them differ, but one is no better than the other. Our education system in Florida is broken, the voucher system they instituted created broken schools and soon to be bankrupt private schools. Every state that's done so has or soon will have the same problems. Even states that aren't screwing their public schools with vouchers, are screwing them with poor funding at every level.  How do vouchers fuck over our education system? Doesn't it allow parents to pick the best school for their kids despite their economic condition? I may be mistaken on what vouchers are. Isn't it just the government paying for what ever school you decide to go to?  >Every state that's done so has or soon will have the same problems.  Source please.  >Shits broke, and getting more broke every year. Eventually it might get fixed, but I'm not going to play 'maybe' games with my kids. I'd rather move them to a country that isn't supporting the most expensive military on the planet.  As long as you send your kids to a school where they don't fear for their lives, have teachers that at least do the bare minimum, and you are involved in your kid's school life, then they will be fine. It isn't a school that makes the kids successful, it is the parents who are active in their kids lives. If the school is also good, then that is all the better.   Canada isn't a magical wonderland. I get the feeling that you surround yourself in an echo chamber of other parents who are mad at the education system. You guys build off each other to make America's education system seem like hell on earth.


">It is a legitimate form of dodging taxes.  I don't see how it's ""dodging"" if you're following the law.   >There is nothing bad about not wanting to hand over money you earned to the government.  On this I agree wholeheartedly."


You only insure assets, and you only insure them for the people that depend on them. You don't need to insure a liability. Therefore: Example: I have life insurance equal to a couple of years salary, in order to make sure my wife doesn't encounter any hardships if I die. I'm the primary income earner, and she will take of the kids. Once we have kids we'll get life insurance for her to cover what the costs would be to take care of the kids if she were to die.


"And what a difference a day makes and as the dust begins to settle things become a little clearer.  The big take away from the Orange Orangutans buffoonery at the United nations was that ["" Hey!! we really don't have a Missile shield""](https://www.rt.com/usa/403895-us-may-not-be-capable-shooting-down-missile/) ""heh heh . .yeah . .we was just funning with you and our Nato allies, actually we buck naked""  So North Korea is off the Menu, they get to live free and prosper and grow and thrive, minus the occasional irritating yip yap which will eventually diminish and disappear altogether.  So That leaves Pakistan and Iran . . . well Pakistan does not have ICBMs but it does have nukes and tactical ones, so that could do some real damage in Afghanistan, subs could do some real damage, that pretty Island Deigo Garcia could be struck  On the other hand, Iran it seems really can't do much at the present time but poses a threat to Israel and has missile tech that reaches Israel and if Iran was to go nuclear, well that would pretty much be end game.  So in America's sort routine to externalize internal problems by choosing the easiest problem to solve  #Congratulation IRAN . .You are IT!!!  You better hope those S-400s work, I reckon you have about 3-6 months  Pakistan can breath a sigh of relief . .for the moment  . .but do remember First Iran was an American Ally, then Iraq, then they destroyed Iraq, now Iran, after Iran, its you . . .over the next decade the US will neutralize your edge in Air superiority, as good as your pilots are, technology will eventually win, so you need alternates, the SU-47 is looking real good, and when the choice comes between a nation with ICBMs and one with out . .Guess who wins?  Yah .. you better spend the next 10 years developing ICMBs and for the love of god, if you are going to pick a leader, don't pick one who spends all his time making idiotic infrastructure projects to enrich his own family instead of preparing for this day that was to come, any blind man could see.  And while all the hallabaloo was going on . .the Fed under the cover of dark tried to slip one by . . . we are watching you gramma . . .It will be interesting to see how you sell your dirty laundry in a non-existent market, I think you are going to fuck this up and the whole wobbly construct is coming down and when it does  Nobody is going to need ICBMs"


You are correct. It's more of an Oligopoly. And as someone laid out above even that could be called into question. It's nothing like Microsoft of the nineties and we can be thankful for that. I still wouldn't trust that company to this day, even with new management.


"If I pay off 70 percent of the loan amount, will I be charged less interest? Yes, because when there's less debt (aka ""the balance"") to charge interest on, just as when you pay it off ""normally"", there's less interest charged. Note that the loan contract might stipulate: That's quite rare in the US (except for some student loans), but I don't know about India."


I've been using online billpay for years, at three different banks.  Two were local (a bank and a credit union), and the other is ING Direct.  I haven't had any problems with any of them that weren't self-inflicted (forgetting to enter the bill).  The credit union's system is pretty clunky, but the other two are fine.  One thing to make sure of is to leave enough time for the bill to arrive, just like you would do if mailing a check.  Just have the bill sent a week before its due, and you should be fine.  I usually do this soon after I get the bill, so I don't forget about it.  ING will actually receive bills from some companies automatically, if you wish.  So all you need to do is go online and click pay, and it will know when the due date is and the amount to pay.  For bills that have the same amount each month (mortgage, insurance premiums, etc.), you can set it up to pay automatically each month so you don't have to do anything. Its a bit of a hassle moving banks, and reentering the account numbers, addresses, etc.  Stopping a bill is as easy as clinking delete in the online system.  My current setup is to have all my bills paid through ING, and my paycheck direct deposited.  I can transfer money to/from my local bank in a couple of days if I have checks to deposit, or to use the local ATM.   I short, I would never go back to writing paper checks.


"> You said all terrorists are Muslims, which is not true at all because most acts of terror comes from right winged population  Let's keep it simple instead of a lengthy argument: how many Muslim terrorist attacks in the last year versus right wing? And, I am going to ask again: please tell us about a right wing ""terrorist"" attack against **general** civilians.  >>""Do you think a rightwing would attack Muslims if they did not attack westerners? Do you think rightwing attacks are more than Muslim attacks? Are they even 1% of all attacks and harm?"".  > THIS IS THE CORE PROBLEM I AM TALKING ABOUT. THIS IS WHY MILLIONS OF GERMANS SLAUGHTERED THE JEWISH POPULATION. THIS IS THE RESULT OF HATE SPEECH AND HARD RIGHT PROPAGANDA.   > Swap jew with muslim!!!  Wow! I agree with you that TRUE Hate Speech, by Hitler and his movement, made one of the most cultural and educated group of people into monsters against Jews. Despite Jews being exact opposite of what they were portrayed in that hate speech.  Now, when I say ""Muslims are terrorists"", and other things against Muslims, do you think I have no basis for my ""hate speech""? And do I call to ""exterminate and kill all the Muslims? Does anyone call for actions against ALL(!) Muslims?  > The crime rate of the refugees is actually a bit lower then the rate of the rest of the population, so not big a problem.   > The overall crime rate rise significantly though since the start of the refugees crisis as a result of massive right wing activity.   > Needles to say that the actual crime rate if jews in Germany was no different then the non jew crime rate just as it is now with muslims.  That's not true!!!! Refugees do more crime than Germans, I can prove it to you, and you blame Germans for crimes actually done by Muslims. You even go to the extra step to claim that Jews will be as criminal as Germans and refugees, which is not true. Never was true.  Here's the problem: you really really really want to believe that Jews, Germans and Muslims are same. This is not true. Check the news and statistics.  Japan, Norway, Hungary, Poland, etc accept zero refugees and look at the problems they have with crime, especially with the Jews among them."


"There are two ways that mortgages are sold: The loan is collateralized and sold to investors. This allows the bank to free up money for more loans. Of course sometime the loan may be treated like in the game of hot potato nobody want s to be holding a shaky loan when it goes into default. The second way that a loan is sold is through the servicing of the loan. This is the company or bank that collects your monthly payments, and handles the disbursement of escrow funds. Some banks lenders never sell servicing, others never do the servicing themselves. Once the servicing is sold the first time there is no telling how many times it will be sold.  The servicing of the loan is separate from the collateralization of the loan. When you applied for the loan you should have been given a Servicing Disclosure Statement Servicing Disclosure Statement. RESPA requires the lender or mortgage   broker to tell you in writing, when you apply for a loan or within the   next three business days, whether it expects that someone else will be   servicing your loan (collecting your payments). The language is set by the US government: [We may assign, sell, or transfer the servicing of your loan while the   loan is outstanding.] [or] [We do not service mortgage loans of the   type for which you applied. We intend to assign, sell, or transfer the   servicing of your mortgage loan before the first payment is due.] [or]   [The loan for which you have applied will be serviced at this   financial institution and we do not intend to sell, transfer, or   assign the servicing of the loan.] [INSTRUCTIONS TO PREPARER: Insert   the date and select the appropriate language under ""Servicing Transfer   Information."" The model format may be annotated with further   information that clarifies or enhances the model language.]"


> In the modern age it's much more profitable to be a copier than an innovator   In all ages it is more profitable to be a copier. History of full of examples of the same thing being invented over and over again, only to discarded or ignored after the creators death. It doesn't matter if you are talking about fur pelts in stone age or modern super-computers, the benefits of a innovation only happen when it becomes widely available.


If you define dollar cost cost averaging as investing a specific dollar amount over a certain fixed time frame then it does not work statistically better than any other strategy for getting that money in the market.  (IE Aunt Ruth wants to invest $60,000 in the stock market and does it $5000 a month for a year.) It will work better on some markets and worse on others, but on average it won't be any better. Dollar cost averaging of this form is effectively a bet that gains will occur at the end of the time period rather than the beginning, sometimes this bet will pay off, other times it won't. A regular investment contribution of what you can afford over an indefinite time period (IE 401k contribution) is NOT Dollar Cost Averaging but it is an effective investment strategy.


"I definitely can recommend you a site called babypips. Their beginner course section is great to get a good overview what you ""could"" do in FOREX trading. For starting out I definitely recommend a dummy account! (NEVER use real money in the beginning!)"


That sounds like you work for a shitty company. Regardless of who is at fault in an incident, you fire the person? I bet your employees have low morale, knowing that somone else's mistake can cost them their job.  The idea behind self driving vehicles is that you dont have accidents. No accidents, means lesser exposure and liability risk for the operating compnay.  Are computers fail safe? Of course not, but human driven vehicles have a far worse driving record, currently.


There are multiple places where you can see this.  Company house website On any financial news website, if you have access e.g. TESCO on FT On any 3rd party website which supply information on companies e.g. TESCO on Companycheck An observation though, FT lists down more shareholders for me than Companycheck as I pay for FT.


The interest rate will probably be better for your primary residency, however the risk is higher too. In the event you can't pay it off - you probably would rather lose the second home and not the primary home. Re the tax benefit - it will be attached to the rental you're buying, since that's what the loan is for. However, if you have a HELOC on your primary residency, you can deduct interest on up to $100K on your Schedule A regardless of what you're doing with the money. This can be useful if the rental is losing money and you don't want to accumulate the interest deduction as passive loss.


"Quite a few Bank in India allow Funds Transfer via ATM. One has to first register the beneficiary account and wait for 24 hrs before transacting. However it looks like ""Indian Bank"" currently does not offer this service. You can call up Indian Bank and ask if they provide this service.  Alternativly use the Internet Banking to transfer funds to CitiBank or any other Bank in India."


Follow the instructions on the W-4. It says exactly how you are supposed to calculate the number of allowances. You shouldn't have to figure out how to get the right number. Just follow the instructions. The only part at all complex is if you have large deductions. In that case you're supposed to subtract a standard amount from your actual deductions -- for 2017, $12,700 if married filing jointly -- divide by $4,050, and then add the result to the number of allowances. In general, following the instructions on the W-4 should result in slightly more tax being withheld from your paycheck than you actually owe, so that you get a modest refund next April 15. In the long run it doesn't matter if you have too much withheld, as you'll get it all back eventually anyway. I suppose the withholding could be so high that it doesn't leave you enough to live on while waiting for your refund, but that shouldn't normally be the case. If you pay too little, you could be subject to penalties and interest, so you really want to avoid that.


"If your intention is to purchase ETFs on a regular basis (like $x per month), then ETFs may not make sense.  You may have to pay a fixed transaction cost like you were buying a stock for each purchase.  In a similar no load mutual fund, there are more likely to be no transaction costs (depending on how it is bought).   The above paragraph is not very definitive, and is really dependent upon how you would purchase either ETFs or Mutual funds.  For example if you have a Fidelity brokerage account, they may let you buy certain ETFs commission free.  Okay then either ETFs make great sense.  It would not make sense to buy ones that they charge $35 per transaction if you have regular transactions that are smallish. The last two questions seem to be asking if you should buy MF or buy stocks directly.  For most people the later is a losing proposition.  They do not have the time or ability to buy stocks directly, effectively.  Even if they did they may not have the capital to make enough of a difference when one considers all the cost involved.  However, if that kind of thing interests you, perhaps you should dabble.  Start out small and look at the higher costs of doing so as part of the ""cost of doing business""."


Here's another attempt at explanation: it's basically because parabolas are flat at the bottom. Let me explain.  As you might know, the variance of the log stock price in Black Scholes is vol^2 * T, in other words, variance of the log stock price is linear in time to expiry. Now, that means that the standard deviation of your log stock price is square root in time. This is consequential.  For normally distributed random variables, in 68% of cases we end up within one standard deviation. So, basically, we expect our log stock price to be within something something times square root of T. So, if your stock has a vol of 16%, it'll be plus/minus 32% in 4 years, plus/minus 16% for one year, plus/minus 8% for 3m, plus/minus 4% for 3-ish weeks, and plus/minus 1% for a business day. As you see, the decay is slow at first, but much more rapid as we get closer.  How does the square root function look? It's a sideways parabola. As we come closer to zero, the slope of the square root function goes to infinity. (That is related to the fact that Brownian motion is almost surely no-where differentiable - it just shoots off with infinite slope, returning immediately, of course :-) Another way of looking at it is the old traders rule of thumb that an at-the-money option is worth approximately S * 0.4 * vol * sqrt(T). (Just do a Taylor expansion of Black Scholes). Again, you have the square root of time to expiry in there, and as outlined above, as we get closer to zero, the square root drops slowly at first, and then precipitously.


We are mostly .NET C#. I'm not trying to sound like a big shot but generally, to work in finance as a software engineer, you have to be good at what you do. More specifically, I work on developing the inside tools for our traders and mutual/hedge fund managers to manage the business. I work on benchmark, asset, and valuation analysis tools. Technologies I use on a daily basis are C#, SQL, JavaScript, JQuery, MVVM (and other design patterns), HTML5, and more specialized unit testing tools. If you have any more questions, feel free to ask or pm.


"The advice to ""Only invest what you can afford to lose"" is good advice. Most people should have several pots of money: Checking to pay your bills; short term savings; emergency fund; college fund; retirement. When you think about investing that is the funds that have along lead time: college and retirement. It is never the money you need to pay your bills.  Now when somebody is young, the money they have decided to invest can be in riskier investments. You have time to recover. Over time the transition is made to less risky investments because the recovery time is now limited. For example putting all your college savings for your recent high school graduate into the stock market could have devastating consequences. Your hear this advice ""Only invest what you can afford to lose"" because too many people ask about hove to maximize the return on the down payment for their house: Example A, Example B. They want to use vehicles designed for long term investing, for short term purposes. Imagine a 10% correction while you are waiting for closing."


I challenge you to come up with an example of squandering that could not be considered charity, or charity that could not be considered squandering.  It entirely depends on how much value you place on the money going where it went.   Any spending of money can be considered charity if you feel others need it more than you do.


If they own the old house outright, they can mortgage it to you. In many jurisdictions this relieves you of the obligation to chase for payment, and of any worry that you won't get paid, because a transfer of ownership to the new owner cannot be registered until any charge against a property (ie. a mortgage) has been discharged. The cost of to your friends of setting up the mortgage will be less than the opulent interest they are offering you, and you will both have peace of mind. Even if the sale of the old house falls through, you will still be its mortgagee and still assured of repayment on any future sale (or even inheritance). Complications arise if the first property is mortgaged. Although second mortgages are possible (and rank behind first mortgages in priority of repayment) the first mortgagee generally has a veto on the creation of second mortgages.


I have always thought that most of the time spent in a class was a waste. I also do not think that school prepares people for the harsh realities of a full time job. Also I was not prepared by school to make money, manage money, or survive life better than someone who didn’t go to college. I am a pharmacist, I have an MBA and a PhD.


COBRA is with regards to any termination, not only if you're laid off. If you leave your job voluntarily you're still eligible for COBRA, at least from my experience in California. Once you start working at the new job that provides health benefits - you're expected to roll-off of COBRA. No. Once you run out of the COBRA period - you're on your own.


It's wrong in several situations:  One, the business owner counts this as a business expense, which it is not, and therefore reduces the company's profit and taxes. That would be tax avoidance and probably criminal.  Two, someone who is not the sole owner counts this as a business expense, which it is not, reduces the company's profit and when profits are shared, the company pays out less money to the other owners. That's probably fraud.  Third, if the owner or owners of a limited liability company draw out lots of money from the company with the intent that the company should go bankrupt with tons of debt that the owners are not going to pay, while keeping the money they siphoned off for themselves. That would probably bankruptcy fraud.  Apart from being wrong, there is the obvious risk that you lose control over your company's and your own expenses, and might be in for a nasty surprise if the company has to pay out money and there's nothing left. That would be ordinary stupidity. If you have to tell your employees that you can't pay their salaries but offer them to admire your brand new Ferrari, that's something I'd consider deeply unethical.


It depends on how you define trading.  If you're looking at day-trading, where you're probably going to be in a highly-leveraged position for minutes or hours, the automated traders are probably going to kill you.  But, if you have a handful (less than a dozen) equities, and spend about an hour or so every week conducting research, you have a good chance of doing pretty well. You need to understand the market, listen to the earnings calls, and understand the factors that contribute to the bottom line of your investments.  You should not be trading for the sake of trading, you're trading to try to achieve the best returns. Beware of dogmatists and people selling products that align with their dogma. Warren Buffet invests in companies for an extremely long investment window. Mr. Buffet also expends significant resources to gain a deep understanding of the fundamentals of the businesses that he invests in and the factors affecting those fundamentals. Buffet does not buy an S&P 500 index fund and whistle dixie.


"I don't usually pay much attention to IPOs. Is it normal for a software company to declare their intent to sell themselves as part of ""gaming industry consolidation""?  I get it as a pitch to angel investors for a start-up. Building to a certain point to then GTFO is a business as usual model. I just haven't seen it applied to an IPO before."


The breach was discovered by Equifax on July 29th.. On August 21st, someone bought 2600 put option contracts that were set to expire in September (and if the price of EFX remained above $135 until then, those options would have been worthless). On September 7th, Equifax makes the decision to announce the breach, and those put options (worth 60 cents a piece) skyrocket, earning the holder a cool $4.2 million+. For perspective, those 2600 put options were literally ten times the monthly volume of EFX options on a typical month.  There was almost certainly insider trading going on, and it probably wasn't the hackers themselves logging into their (authenticated/identifiable) brokerage accounts and buying up oodles of put options expiring a month later..


The IRS demands and expects to be paid tax on all taxable activity, including illegal activity.  If they expect drug dealers, hit men, and smugglers to pay tax, they expect you to pay tax on your basement apartment. The flip side of this is that the IRS keeps reported tax activities confidential.  They only share what is required (for example, your taxable income with your state).  You can read the details in their disclosure laws.   Deductions will work just as they would if your apartment was perfectly legal.  In the eyes of the IRS, whether your income is legal or not is none of their business.  They care only about whether it is being taxed appropriately. They will not share any information with your zoning authority without a court order.


I have been working at a pest control company. I just know that working blue collar jobs is not for me and I should be going back to school. Finance interests me, and I also would like to make a comfortable living :)


With something this complicated you are going to want to consult professionals. Either a professional with international experience, who will tell you the best tax arrangement overall but might come expensive, or one professional in each country who will optimize for that country. You will have to pay US taxes, and depending on your residency probably some in Spain. Double tax agreements should kick in to prevent you paying tax on the same money twice. You do not have to pay separate 'European' taxes. If you do substantial business in another country you might have to pay there, but one of your professionals should sort it out.


I also have approx. £6000 in debt Just a note: you're guaranteed to get a return on whatever debt you pay off quickly.  Even if your debt is only 2%, you get a guaranteed return of 2% - which is higher than most of the savings here in the US (not sure about the UK). You mention saving for a house, which is also a good idea, but with debt, I'd recommend eliminating that if you're paying any interest at all.  This won't be popular to write, but markets are high right now, so even though you may feel that you're missing out, the return on paying off debt is guaranteed; markets aren't.


How is everyone doing in their day to day lives?  What is affordable and what is not?  Often I find myself reading news that I find is disconnected from my reality.  Unemployment numbers are good. I am employed,  yet I can't help the feeling that many are getting the squeeze, especially amongst my peers; the new reality of employment being less livable than previously.  Perhaps too much zerohedge?  Housing is expensive,  saving for retirement seems futile?  Stocks are seemingly very expensive?


Anybody that offers a bigger return than a deposit claiming 100% safe is a fraud.  There is always a risk: Yes, you can gain 30% in a year, but nobody can guarantee that you'll repeat that gain the next. My own experience (and I do take risks), one year I go up, the next year I go down...


"With your knowledge/experience, you should easily be able to find work through one of the freelance developer sites out there.  It would let you work flexibly on your own schedule, and you can decide what types of work you're willing to do at rates you choose to work for. You could always come up with your own ideas for a commercial website of some kind that could help generate some degree of passive income that won't interfere with your full-time work.  That's only limited by your imagination and creativity. The third alternative is to find a ""real"" job (I chuckle at that one!) like most people do. I hope this helps. Good luck!"


"This is the best tl;dr I could make, [original](http://en.econreporter.com/en/2017/08/fed-keep-sizeable-balance-sheet-according-former-fed-governor-jeremy-stein/) reduced by 97%. (I'm a bot) ***** > Why do they think it the Fed who issues more reserves for investors? Why can&#039;t Treasury take up the responsibility? More importantly, does it actually mean that the Fed&#039;s balance sheet has to be &quot;Sizeable&quot; forever? Prof. Stein will tell us more about all these in the interview below.  > Q: Under your proposal, do you think there is any need for reforming and improving the RRP? For example, should the Fed open it to more participants? If so, to whom should the Fed open the RRP? S: I think I agree with the premise of your question.  > One of his proposals is to trip the FOMC vote from the NY Fed, so to avoid the problem of groupthink between NY Fed and Fed Board; What do you think about that?   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6umaxw/why_the_fed_should_keep_a_sizeable_balance_sheet/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~194201 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Fed**^#1 **think**^#2 **Balance**^#3 **Sheet**^#4 **rate**^#5"


"If you don't plan to stay in it, it is never good money to try to buy a house in a bad neighborhood. The question you want to be asking is probably ""Is it smart to buy this piece of real estate,"" not ""is it smart to buy a house in college.""  In this case, it's probably not smart because you won't actually have revenue from the property (you'll break even compared to renting), you may face some expensive repairs (water heater or other appliances going out, etc.), and you may find that your startup costs in things like lawn mowers, etc. is not worth the hassle (or cost of lawn service if you have someone else do it.) On top of that, can you get a loan with your proven income and assets? Don't forget to factor the cost of selling the house again into it -- and how long can you leave it on the market after you move out if it doesn't sell without going bankrupt yourself? In my opinion, it'd be a giant albatross around your neck."


Let me back up every point of advice I made for you:   Albert Schweitzer: (my first point)  > The three most important ways to lead people are:… by example… by example… by example.  Albert Einstein: (also my first point) > Setting an example is not the main means of influencing others, it is the only means.  Elon Musk: (my second point) > Pay attention to negative feedback, and solicit it, particularly from friends.  Source: http://socialtimes.com/elon-musk-pay-attention-to-negative-feedback-and-solicit-it-particularly-from-friends_b184604  Catherine the Great: (my third point)  > “I praise loudly, I blame softly”  Tom Brady: (my fourth point)  > Coach Belichick holds us accountable everyday. We appreciate when he's tough on us. He gets the best out of us.  Doug Collins, Philadelphia 76ers Coach: (also my fourth point)  > When your teammate looks you in the eye and holds you accountable, that’s the greatest kind of leadership there is.  Seriously, I think you need to re-evaluate yourself.  I think you have some self-esteem or self-confidence issues that are making you come off like a complete ass.


"They don't, actually. Though in some time frames S&P 500 growth out performs S&P 500, it often lags. This is because ""growth"" doesn't refer to what happens to your account, but rather the type of stock in the index -- roughly speaking, it's the half of the S&P with the best earnings growth.  That would be great, except it's not looking for is to see if that growth is worth buying. A stock with a 20% growth rate is a great buy at a P/E of 15, but a terrible buy at P/E/ 50.  That leads to what JB King was talking about -- there's also the S&P 500 Value, which is roughly the cheapest stocks relative to earnings. Value does tend to beat the broad index over the long haul, because there's nothing like getting a good deal (note a stock can be in both the growth and value categories). This holds true with other indexes as well like the Russel 2000. All that said, you're not going to see a huge difference between S&P 500 and S&P 500 Growth. I believe this is because the S&P 500 itself leans a bit to the growthy side.   PS: With VOOG Vanguard is tracking the S&P 500 Growth Index, which is actually a thing and not Vanguard itself filtering stocks."


The first issue is if the stock has returned 8% since you purchased it that could be either very good (8% in two days) or very bad (8% over 20 years).  Even just measured over the past year it could be relatively very good (up 8% and the market is down 5%) or very bad (up 8% and the market is up 16%). Either way, the good rule of thumb is that you shouldn't choose your positions using the returns of the stock in the past, but only on your view of the future returns of the stock.  For instance, if the stock has gone up 8% in two months, but you think it has another 8% to go in the next two months you probably shouldn't take your earnings. As for the $5k, at first glance that is not an unreasonable amount.  If you use a discount broker the fees shouldn't be so large that you will eat up any return on a $5k amount.  Also, from what you describe it is not such a large amount that mistakes will put your retirement in danger.


A large number of bond holders decide to sell their bonds.  If they all decide to do this at the same time then there will be a large supply of bonds being sold in the market.  This will drive down the price of the bonds which will increase yields. Why do bond yields move inversely to bond prices? You purchase a $100 bond today that yields 5%.  You spent $100.  The very next day the same bonds are being sold with a yield of 10%.  If you wanted to sell your bond to someone you would have to sell it so it competed with the new bonds being sold.  You could not sell it for $100 which is what you paid for it.  You would have to sell it for less than the $100 you paid for it in order for it to have the equivalent yield of the new bonds being sold with a 10% yield.  This is why bond yields move inversely to bond prices. Why does rising yields increase the cost of borrowing? If someone is trying to sell new bonds they will have to sell bonds that compete with the yields of the current bonds already in the market. If yields are rising on the existing bonds then the issuer of the new bonds will have to pay higher interest rates to offer equivalent yields on the new bonds. The issuer is now paying more in interest making it more expensive to borrow money. What are the incentives for the bond vigilante to sell his/her bonds? One reason a bond holder will sell his/her bonds is they believe inflation will outpace the yield on the bond they are holding.  If a bond yields 3% and inflation is at 5% then the bond holder is essentially losing purchasing power if they continue to hold onto the bond.  Another reason to sell would be if the bond holder has doubts in the ability of the issuer to repay the interest and/or principal of the bond.


Well, it probably has something to do with the fact that they're not really fully opposing SOPA; they just provided some lip-service on that issue because they were losing business, and people are not fooled. They're not sorry; they're just sorry that they got caught supporting something as terrible as SOPA.  But really... Why the hell would people use GoDaddy in the first place? There are plenty of registrars and hosts that offer more for less, have a better reputation, and don't have to resort to whoring out T&A to get business. I've never viewed GoDaddy as something I would seriously use.


"When we say ""stock market,"" we are usually thinking of the publicly traded stocks, such as the New York Stock Exchange or the NASDAQ. Shares of individual products do not go on these exchanges, only large corporations.  You won't see a stock ticker symbol for The Force Awakens or for the iPhone 6s Plus.  The reason for this is that when investors buy a stock, they are looking for something that will grow in value theoretically forever. Individual products usually have a limited lifespan. Your movie will (hopefully) generate revenue when it comes out, but after a while sales will slow down after people have seen it. If someone bought a share of stock in a movie on the stock market, they have to realize that eventually the movie will stop making money, and their share of stock won't be worth anything anymore. Instead, people invest in companies that have the potential to make new products, such as Disney or Apple.  So if you were envisioning seeing the ticker symbol of your movie going across the screen on CNBC, sorry, that's not going to happen.  However, you could theoretically sell shares to individual investors for a percentage of the profit. You figure out how much money you need to create the movie, and estimate how much profit you think the movie will earn. Then you find an investor (or group of investors) that is willing to give you the money you need in exchange for a percentage of the profit. Unlike a stock market investor, these investors won't be looking for the long-term growth potential of the resale value of the stock, but simply a share of the profit."


Small price for the government to pay when you are competing to attack a company that will create tens of thousands of jobs and billion in economic activity.  Are you suggesting we let them go to Michigan or Alabama or Texas. If they did go, not only would we miss out on those tens of thousands of jobs and billions in investments but we wouldn't realize any of that sales tax revenue anyways!


If you're under audit - you should get a proper representation. I.e.: EA or CPA licensed in California and experienced with the FTB audit representation. There's a penalty on failure to file form 1099, but it is with the IRS, not the FTB. If I remember correctly, it's something like $50 or $100 per instance. Technically they can disqualify deductions claiming you paid under the table and no taxes were paid on the other side, however I doubt they'd do it in a case of simple omission of filing 1099 forms. Check with your licensed tax adviser. Keep in mind that for the IRS 2011 is now closed, since the 3-year statute of limitations has passed. For California the statute is 4 years, and you're almost at the end of it. However since you're already under audit they may ask you to agree to extend it.


Whether or not you can deposit to a Roth IRA, you are able to convert those deposits to A Roth account. In effect, you pay the tax going in (as with the regular brokerage account) but no tax on growth when withdrawn.  The non-deductible IRA, on its own, holds little appeal, in comparison.


I'm a former developer/current hiring manager, and he's not, at least not entirely.  You have to have a degree for HR to consider you.  It doesn't really matter what that degree is in, but you have to have one or HR will trash your resume.


Saving money for the future is a good thing.  Whether spending those savings on a business venture makes sense, will depend on a few factors, including: (1) How much money you need that business to make [ie: will you be quitting your job and relying on the business for your sole income? Or will this just be a hobby you make some pocket change from?] (2) How much the money the business needs up front [some businesses, like simple web design consulting, might have effectively $0 in cash startup costs, where starting a franchise restaurant might cost you $500k-$1M on day 1] (3) How risky it is [the general stat is that something like 50% of all new businesses fail in their first year, and I think for restaurants that number is often given as 75%+] So sometimes investing in your own business is financially risky, and other times it is not risky. Sometimes it is a good idea, sometimes it is not. Either way, saving for a future business that you may or may not ever invest in, is still saving money. If you never end up investing in a business, you can instead use that money for retirement, or whatever other financial goals you have. So it's not the saving for a new business that is risky, it's the spending. Part of good personal financial management is making financial goals, tracking your progress to those goals, and changing them as needed. In a simpler case, many people want to own their own home - this is a common financial goal, just like early retirement, or starting your own business, or paying for your kids' college education. All those goals are helped by saving money, so your job as someone mindful of personal finances, is to prioritize those goals in accordance to what is important for you. As mentioned by Stannius in the comments below, there is one catch here: if you are saving money for a short term goal (such as starting a business in a year), then you might want to keep it in low-interest savings accounts, instead of investing in the stock market. Doing this would remove the chance that your investments fail right before you need the startup money. Of course, this means that saving for a business that you never end up starting, could earn you less investment income on your savings. This would be the risk of saving for any specific short term goal that you end up changing later on.


And the kind folk at Yahoo Finance came to the same conclusion.  Keep in mind, book value for a company is like looking at my book value, all assets and liabilities, which is certainly important, but it ignores my earnings.  BAC (Bank of America) has a book value of $20, but trades at $8. Some High Tech companies have negative book values, but are turning an ongoing profit, and trade for real money.


Where was it reported that it was six figures per month? It isn't clear from the article what Mandiant's scope was that they were brought in under. I'm not even sure the way it reads that Mandiant found the Apache Struts-based breach while investigating the breach they were brought in for. Also, companies with an emphasis on IT like Equifax vary greatly in how they handle out-of-budget projects, and so far as I've read, it wasn't revealed how Mandiant's project was procured.  Equifax is going to be a case study in business schools on the handling of this incident, and what not getting in front of a crisis looks like (for comparison, see how the Tylenol tampering was handled). Equifax should have reached out to all affected and said they automatically put a freeze on their records, and all affected now have an account created if they didn't already have an account, 7 years of free 100 freeze/unfreeze requests per year, 52 free credit report requests per year, and credit monitoring. If I was on the board, I would have told the CEO to make a generous offer to buy out LifeLock and put all affected onto their most comprehensive plan while working behind the scenes to revamp IT and information security, as well as rethink the industry.  It would have been expensive as hell to do, but this is starting to grow into a Wells Fargo-scale career ending and industry-defining incident, and whatever cost savings they thought they got by cutting so many corners that enabled this breach and the weak response might get wiped out for the next 100 years of potential savings as odds increase weekly they'll be forced to adopt more regulatory oversight in the future.   If they quietly get LifeLock's most comprehensive plan for all US federal and state legislators though, then they probably will escape real reform and might skate by on the weak response.


I actually think it's the opposite.  Outside the city is tons of infrastructure and there would be no traffic issues at all.  As I said Raytheon had multiple large campuses in Tewksbury, woburn, Waltham, and Andover.  It also has sites in many other towns. Amazon could set up shop just outside the city.   Also if they were intent on being in the city they could probably find good space in the seaport district or southie.


"When C did their 10-1 reverse split in 2011 all the fractional shares were aggregated and then sold with the proceeded going back to the fractional shareholders.     From their press release: ""No fractional shares were issued in connection with the reverse stock split. Instead, Citi’s transfer agent will aggregate all fractional shares that otherwise would have been issued as a result of the reverse stock split and those shares will be sold into the market. Shareholders who would otherwise hold a fractional share of Citigroup common stock will receive a cash payment from the net proceeds of that sale in lieu of such fractional share. ""  While there was selling, it didn't cause a ""sell off"" so to speak.   I have also come across instances where the company buys the fractional shares and retires them."


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"I made this mistake and tried calling Paypal...the first time I have ever been unhappy with their service.  The girl gave me some number but didn't make it clear whether it was an order reference number or a reference phone number for the company I ordered from.  I called within 10 minutes of placing my order and they were unable to cancel or change the payment method.  I did find however, that even though you can't pay paypal with your credit card, some banks will let you.  I went into my account and ""paid"" my account the amount needed using my credit card from the same bank that I had intended to use in the first place...hopefully it went through quickly enough to not get a service fee from Paypal"


Carbon monoxide will kill you.  Put your car in a closed garage, let it run, and you die.  Put it on an open road, where the concentration is diluted, and you will be fine.    By your logic we should ban automobiles as well.    P.S.: The government is also putting fluoride in your water.


> Are you aware that General Foods is strongly lobbying to mandate GMO labeling?  That's odd since they haven't existed in that name since the 1990.   > What folks here don't get is it's generally in the industries interest to not mislead.  Bullshit. they will do whatever they can do that they think will increase the bottom line. if a company thinks that onerous labeling requirements would help their bottom line because they think they can use them to their advantage over other companies then they will push for it.


There are many counterfeit products on Amazon, as well as stocking and packing measures that result in products arriving broken or open. Make-up, supplements, and personal care products are among those that are often counterfeit.   Edit: [Link to one](https://www.inc.com/sonya-mann/amazon-counterfeits-no-starch.html) of many articles about Amazon's Counterfeit Problem


"1. You don't know what an ad hominem is and you should feel bad.   2. That comment is in response to someone calling me a trumptard. Can you even read?   3. I didn't vote for Trump.   4. I still didn't vote for Trump.   5. You're laughably uneducated about claims and data.   6. Data has to actually support the claim you're making.   7. You have to prove that polls are the way they are for the reasons you say they are.   8. They made claims without data.   9. Those claims are still unsupported.   10. The data they ""actually provided"" wasn't for the right country.   11. You could not draw a conclusion even if it was the right data.   12. It says a lot about you that you're more concerned about my opinion than the person calling people trumptards and telling them to shut the fuck up."


From an article I wrote a while back: “Dalbar Inc., a Boston-based financial services research firm, has been measuring the effects of investors’ decisions to buy, sell, and switch into and out of mutual funds since 1984. The key finding always has been that the average investor earns significantly less than the return reported by their funds. (For the 20 years ended Dec. 31, 2006, the average stock fund investor earned a paltry 4.3 average annual compounded return compared to 11.8 percent for the Standard & Poor’s 500 index.)” It's one thing to look at the indexes. But quite another to understand what other investors are actually getting. The propensity to sell low and buy high is proven by the data Dalbar publishes. And really makes the case to go after the magic S&P - 0.09% gotten from an ETF.


I pointed this out to my wife (Russian), and she said not to forget that most of those imports are from old soviet satellites, Ukraine, Belarus, Kazakhstan, Latvia, ect...    Infact, your own article, just a little further down states:  >The major food exporters to Russia last year were, in order of importance: Belarus ($2.7bn), Brazil ($2.4bn), Ukraine ($1.9bn), Germany ($1.8bn) and Turkey ($1.68bn), Reuters news agency reports.  None of those countries with the exception of Germany are sanctioning Russia, and are thus not part of the embargo.  Not sure how impacted Ukraine's production capacities have been with the conflict?    My wife is convinced that the none EU partners Russia already imports form will keep up just fine.  The other Russians I know, agree, and think this was a good move by the government.  She thinks the whole point of this embargo is to impact Germany so they get the EU to stop blatantly doing whatever the US wants, since this will impact them probably the most of the EU members.


"One difference is in the ability to split the pre-tax and after-tax portions of the Traditional account. (Note that earnings in a Traditional IRA or Traditional 401(k) are always pre-tax, even if it was earned from after-tax money, so if you left the money for some amount of time after an after-tax contribution, chances are it's a mix of pre-tax and after-tax money.) When you take money out of a Traditional IRA, including for conversion to a Roth IRA, you are generally subject to the ""pro-rata rule"", which means that your withdrawal will consist of pre-tax and after-tax amounts in the same proportion as in your whole Traditional IRA. This means that a conversion of a Traditional IRA with any mix of pre-tax and after-tax amounts, will always be taxed on a portion of the withdrawal (the pre-tax portion), and it will leave some after-tax amounts in the Traditional IRA unless you take everything out. The only way to separate the pre-tax and after-tax amounts is to roll over to a Traditional 401(k) (if you have a 401(k) plan that allows this); rules say that only pre-tax amounts can be rolled over into a 401(k), so only pre-tax amounts are rolled over, and if you roll over all the pre-tax amounts, only after-tax amounts will remain. On the other hand, when you rollover your entire Traditional 401(k) to IRAs, you can choose to have the pre-tax portion rolled over to a Traditional IRA and the after-tax portion rolled over to a Roth IRA, separating them, due to IRS Notice 2014-54."


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One of the simplest things is to lock your money e.g. put on time deposit which has some penalty when you broke them pre-maturily. Also create a portfolio in a site, this will spark interest on saving and investment.


"There are a few different ""kinds"" of implied volatility. They are all based on the IVs obtained from the option pricing model you use. (1) Basically, given a few different values (current stock price, time until expiration, right of option, exercise style, strike of the option, interest rates, dividends, etc), you can obtain the IV for a given option price. If you look at the bid of an option, you can calculate the IV for that bid. If you look at the ask, there's a different IV for the ask. You can then look at the mid price, then you have a different IV, and so on and so on. And that's for each strike, in each expiration cycle! So you have a ton of different IVs. (2) In many option trading platforms, you'll see another kind of IV: the IV for each specific expiration cycle. That's calculated based on some of the IVs I mentioned on topic (1). Some kind of aggregation (more on this later). (3) Finally, people often talk about ""the IV of stock XYZ"". That's, again, an aggregation calculated from many of the IVs mentioned on topic (1). Now, your question seems to be: which IVs, from which options, from which months, with which weight, are part of the expiration cycle IV or for the IV of the stock itself? It really depends on the trading platform you are talking about. But very frequently, people will use a calculation similar to how the CBOE calculates the VIX. Basically, the VIX is just like the IV described on topic (3) above, but specifically for SPX, the S&P 500 index. The very detailed procedure and formulas to calculate the VIX (ie, IV of SPX) is described here: http://cfe.cboe.com/education/vixprimer/about.aspx If you apply the same (or a similar) methodology to other stocks, you'll get what you could call ""the IV of stock XYZ""."


Want to know how to do month end closing?…  In a busy Finance function, the month end closing process is a recurring challenge. Many businesses have developed multiple P&Ls, balance sheets and data sources, with international structures posing a particular set of needs. There never seems to be enough time to meet demanding deadlines, and such pressures can affect accuracy.  As if that is not enough, emerging regulatory requirements are impacting the closing timetable, with extra time being needed to create reports for compliance regimes such as Solvency II.  Finance staff are assigned to dealing with the heavy workload of manual adjustments. This adds complexity to the task of supporting all stakeholders.  Then there are further processes associated with Quarter End, Half Year and Year End, all adding to the demands and the workload.  What can a stretched Finance Department do to resolve this Gordian knot?  Accountagility has the answer. ORYX Close. For all your month end closing needs. https://www.accountagility.com/solutions/month-end-close/


"There are very few circumstances where forming an out of state entity is beneficial, but a website is within these circumstances in certain instances. Businesses with no physical operations do not need to care what jurisdiction they are registered in: your home state, a better united state or non-united state. The ""limited liability"" does it's job. If you are storing inventory or purchasing offices to compliment your online business, you need to register in the state those are located in. An online business is an example of a business with no physical presence. All states want you to register your LLC in the state that you live in, but this is where you need to read that state's laws. What are the consequences of not registering? There might be none, there might be many.  In New York, for example, there are no consequences for not registering (and registering in new york - especially the city - is likely the most expensive in the USA). If your LLC needs to represent itself in court, New York provides retroactive foreign registrations and business licenses. So basically, despite saying that you need to pay over $1000 to form your LLC ""or else"", the reality is that you get the local limited liability protection in courts whenever you actually need it. Check your local state laws, but more times than not it is analogous to asking a barber if you need a haircut, the representative is always going to say ""yes, you do"" while the law, and associated case law, reveals that you don't. The federal government doesn't care what state your form an LLC or partnership in. Banks don't care what state you form an LLC or partnership in. The United States post office doesn't care. Making an app? The Apple iTunes store doesn't care. So that covers all the applicable authorities you need to consider. Now just go with the cheapest. In the US alone there are 50 states and several territories, all with their own fee structures, so you just have to do your research. Despite conflicting with another answer, Wyoming is still relevant, because it is cheap and has a mature system and laws around business entity formation. http://www.incorp.com has agents in every state, but there are registered agents everywhere, you can even call the Secretary of State in each state for a list of registered agents. Get an employer ID number yourself after the business entity is formed, it takes less than 5 minutes. All of this is also contingent on how your LLC or partnership distributes funds. If your LLC is not acting like a pass through entity to you and your partner,but instead holding its own profits like a corporation, then again none of this matters. You need to form it within the state you live and do foreign registrations in states where it has any physical presence, as it has becomes its own tax person in those states. This is relevant because you said you were trying to do something with a friend."


If your answer is yes, then there is no better place than MYO Clinix. Doctors in this Noida based clinic specialize in Follicular Unit Extraction. In this revolutionary procedure hair follicles are extracted one by one and implanted on the bald area. The result completely natural looking hair.


<notahipster>  We don't have a tv but we watch shows on Netflix.   /notahipster  That said, I loved the VW commercials that came out about ten years ago.   I have  vw turbo now and I love it. Coincidence?  If commercials didn't need to relate to the lowest common denominator, a lot more of them might be interesting.


Because Google Fiber isn't a real threat (yet.)  It takes a lot of work for Google Fiber to set up, so much so that it will realistically never be everywhere.  If you've ever seen the South Park episode with the cable companies, it's exactly like that. Many small towns have one option for Internet, so those companies can charge however much they want for whatever speed they feel like giving. Also, they can give whatever service they feel like. They have a miniature monopoly in this aspect.  On a national scale, this example flows forward. You have two options in many American cities; Comcast, or TWC. Many people believe these two companies (and for that matter, all companies that are major enough players to be cross-country or even in more than a handful of States) are in cahoots and have agreed to set the Internet low to make as much money as possible without being found out  Now with Google Fiber, people are seeing that they can get much much better speeds, better quality service, all for roughly the same price of TWC/Comcast.


"This is the best tl;dr I could make, [original](https://www.lowyinstitute.org/the-interpreter/china-america-and-thucydides-interview-graham-allison) reduced by 94%. (I'm a bot) ***** > His latest book, &#039;Destined for War: Can America and China Escape Thucydides&#039;s Trap?&#039;, was published by Houghton Mifflin Harcourt in May 2017, and is the subject of this interview, conducted via email over the course of the last few weeks.  > Let&#039;s say the Trump Administration did come to the same conclusion as you regarding China&#039;s trajectory and what it means for America, how do you think the President should present this to the American people? If #1 status is so intrinsic to US identity, is it realistic for any US president to declare to his people that the era of US dominance is over?  > In the book, I pose the question: are China&#039;s current leaders serious about displacing the US as the predominant power in Asia in the foreseeable future? And I quote the answer from the person who was until his death in 2015 the world&#039;s premier China watcher.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/77m51m/john_mccain_was_shocked_and_couldnt_believe_it/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~231933 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **China**^#1 **book**^#2 **power**^#3 **American**^#4 **order**^#5"


I ended up just trying. I gave A the IBAN of B's account, which I calculated online based on the bank code and account number (because B claimed IBAN won't work, so didn't give it to me), and B's name. A was able to transfer the money apparently without extra difficulties, and it appeared on B's account on the same day. Contrary to some other posts here, IBAN has nothing to do with the Euro zone, nor is it a European system. It started in Europe, but it has been adopted as an ISO standard (link). As usual of course some countries don't see the urgency to follow an international standard :) XE.com has a list of all IBAN countries; quite a few are non-European. Here is even the list formatted specially for the European-or-not discussion: link.


Ask around your area. Some stores will exchange because it saves them having to go to the bank to stock up on change. Some stores have machines that will convert the coins for a small percentage fee.  Some banks may do this exchange for folks who aren't customers, though that's uncommon.  My solution was to open a small account locally specifically as a place to dump my coins into. They'll even run a pile of coins through their counting machine for me, free, so I don't have to make up coin rolls as I did in the past.


"This is the best tl;dr I could make, [original](http://www.france24.com/en/20170710-haitian-factory-workers-demand-higher-wages) reduced by 72%. (I'm a bot) ***** > Hundreds of Haiti&#039;s factory workers protested in Port-au-Prince on Monday against a small increase in the minimum wage set by the government.  > The workers, paid 300 gourdes a day, are demanding 800 gourdes for an eight-hour day of labor making products in factories outsourced to foreign companies.  > &quot;They want to satisfy the interests of the bourgeoisie, but the voice of the people is the voice of God and there are more of us than there are of them,&quot; he said, insisting the protesters would not give up on their demand for 800 gourdes a day.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6mj7tv/hundreds_of_haitis_factory_workers_protested_in/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~164172 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **gourdes**^#1 **workers**^#2 **protested**^#3 **government**^#4 **factory**^#5"


That's what I tell others to do. And for the most part it's what I've done. Before the crash I knew something was wrong. Interest only loans was the real kicker for me. Then I started looking at the people I knew and the loans they were getting and I knew things weren't right. Not everyone should qualify, yet I knew people with bad credit getting jumbo loans and people making meager wages buying big homes. I got out and then my husband joined me when things started going south.   I picked the dot com burst right, too, but my husband fed me so much shit about being out that I got back in just to shit him up. I lost my shirt.   This time is different. And it feels bad to me. We can't do QE to get out of it either. Europe is still not out of trouble either. The only reason the market here is up is because of QE. It's a fake economy. If manufacturing were booming I could see a justification in the market increase. But it's not.   Hopefully I'm wrong.


I mean  a checkings/savings combo is fiscally responsible if you're putting a 3-6 month emergency fund in there. Hell, I'd argue that you'd be insanely bad with money not to keep an emergency fund if you got the cash to spare.  401(k),IRAs, and stocks are great investment vehicles, but having a portion of your funds be liquid is important.


Leaders really are important because they provide direction to their team members. But it is also important that a leader possess the knowledge and skills needed to be able to fulfill his responsibilities. With leadership training, one can become an efficient as well as effective leader.


Get a copy of Capitalism for Kids - finally back in print (after being out of print for years). It's a great introduction to being an entrepreneur, aimed at young people. Six years old might be a bit early, though - but definitely before the teenage years.


"A friend since July online and big business talks and trust/money forwards.  Usually a question ""is this a scam or legitimate?"" is hard to answer since obviously scams are modelled after legitimate stories (or they'd easily fail). If there were bookmakers for ""scam or legitimate"", this one would easily gather odds of 10000:1.  The only plausible reason for this to be legitimate would be to defraud the scam-or-legitimate bookmakers. At any rate, Exxon is a large company and has to obey labor laws.  They cannot set up operations in a manner where their workers may not have access to their salary for prolonged times without easy remedy. Drop communications immediately, don't open them, don't read them.  They hook you with emotional investment.  They will redouble efforts if it appears you are slipping out of their reach.  Explanations will become more plausible, more pressing, more emotionally charged.  You are a big promising fish and they won't let you swim off without a serious struggle to rehook you. Hand your communication so far to law enforcement.  That may help with not having to figure this out on your own."


List your property in Puyallup WA in our database and sell your home at the  best price. Leske Realty is the leading real estate agent in the region and  over the years we have helped many buyers and sellers to achieve their real  estate goals.


I have heard of this, but then the broker is short the shares if they weren't selling them out of inventory, so they still want to accumulate the shares or a hedge before EOD most likely - In that case it may not be the client themselves, but that demand is hitting the market at some point if there isn't sufficient selling volume.    Whether or not the broker ends up getting all of them below VWAP is a cost of marketing for them, how they expect to reliably get real size below vwap is my question.


The other answer covers the mechanics of how to buy/sell a future contract. You seem however to be under the impression that you can buy the contract at 1,581.90 today and sell at 1,588.85 on expiry date if the index does not move. This is true but there are two important caveats: In other words, it is not the case that your chance of making money by buying that contract is more than 50%...


Try Google Finance Screener ; you will be able to filter for NASDAQ and NYSE exchanges.


Yea, because the question I asked was really indicative of what kind of employer I would be.  I was a manager at a retail store. My employees loved working for me. In fact, after I moved on to a job in the field my degree is in, my old employees still contact me to hang out. You're an idiot for trying to make any kind of assumption about the kind of boss I am from that single question.


Thank you for replying. I assumed since I’m the one asking for advice from him I should be leading the conversation with questions mostly. Wondering if you have an examples of what questions. I have some prepared but any extra insight is helpful.


Some of the best leaders I have worked with are quite unassuming. A VP for a large corporation was what I assumed to be a humble, friendly guy. It wasn't until I heard him speak that I was blown away.  Several managers I have worked with also have been good leaders. They managed to shield me from a lot of crap


"So are you only sexist once you do something about it? If you looked at a black applicant and thought the word ""nigger"" are you not racist just because you didn't say it and still hires him?  And this isn't me trying to be thought police, or a SJW (despite a few accusations of that in this thread). But if you automatically assume that a woman will behave a certain way, just because she's a woman, how are you not sexist? Hiring her doesn't change that.   But again, I find it odd that people state beliefs that are objectively discriminatory but shy away from admitting that they happen to be prejudiced. If you truly feel that men are better workers, less prone to gossip and drama then don't say ""I'm not sexist, but..."". Say ""I'm sexist, and this is why""."


The difference is downside risk. Your CD, assuming you are in the US and the CD is purchased from a deposit bank, will be FDIC insured, your $10,000 is definitely coming back to you.  Your stock portfolio has no such guarantee and can lose money.  Your potential upside is theoretically correlated to the risk that some or all of your money may not be returned to you.


"I really do not care if ""they"" know my stats or even my likes or habits.  My gross assumption has been that privacy has been a myth for a very long time.  If someone of power wants information they will find/get it with little or a lot of determination.  Either way it can be had one way or another."


There are two things to consider: taxes - beneficial treatment for long-term holding, and for ESPP's you can get lower taxes on higher earnings. Also, depending on local laws, some share schemes allow one to avoid some or all on the income tax. For example, in the UK £2000 in shares is treated differently to 2000 in cash vesting - restricted stocks or options can only be sold/exercised years after being granted, as long as the employee keeps his part of the contract (usually - staying at the same place of works through the vesting period). This means job retention for the employees, that's why they don't really care if you exercise the same day or not, they care that you actually keep working until the day when you can exercise arrives. By then you'll get more grants you'll want to wait to vest, and so on. This would keep you at the same place of work for a long time because by quitting you'd be forfeiting the grants.


Hi u/Sagiv1,  Short answer: Yes, you do have to pay taxes in Israel for all your worldincome.  Long answer: All countries within the OCDE consider you as a fiscal resident in the country where you spend over half a year in (183 days and up). If you do not spend that much time in any country, there are other tying measures to avoid people not being fiscal residents in any country.  Since you are living in Israel, you will have to pay all your worlwide generated income in Israel, following the tax regulation that is in place there. I am no Isarely Tax Lawyer so I cannot help you there.  Having a lot of business internationally brings other headaches with it. Taking for example the U.S. there is a possibility that they withold taxes in their payments. It is unlikely, though, as they have a Tax Treaty to prevent double taxation. You can ask for this witholded money to be returned from the U.S. or other countries through each country's internal process.  Another thing to take into account is that you can be taxed in other countries for any revenue you generate in said country. This is especially relevant for revenue that comes from Real Estate. The country where the real estate is will tax you in the country and you will have to deduct these taxes paid in your country, Israel in this case. If there is no tax treaty you might possibly be paying twice.  I know you said you do promotion, but I have to warn you about this, because I ignore what other countries tax or do not tax. So been giving more info won't hurt.  If the US is the main and/or only country you will be doing business with, I strongly recommend you real the Tax treaty with lots of love and patience. You can find it here: https://www.irs.gov/pub/irs-trty/israel.pdf or here:  Treaty:http://mfa.gov.il/Style%20Library/AmanotPdf/005118.pdf Amendment: http://mfa.gov.il/Style%20Library/AmanotPdf/005120.pdf  If you are from Israel and prefer it in Hebrew, here are the treaties in your language:  Treaty: http://mfa.gov.il/Style%20Library/AmanotPdf/005119.pdf Amendment: http://mfa.gov.il/Style%20Library/AmanotPdf/005121.pdf   Normally most IRS Departments have sections with very uselful help on these sort of matters. I'd recomment you to take a look at yours.   Last, what I've explained is the normal process that applies almost all over the world. But each country has their own distinctions and you need to look carefully. Take what I said as a starting point and do your own research or ideally try to find a tax consultant/lawyer who helps you.  Best of luck.


I'm no expert -- but is our immediate future different? If automation or Amazon's decimation of low wage retail jobs puts large numbers of low-education workers out of work in a relatively short time period, isn't this more severe than, say, ATMs taking bank teller jobs? This could be a sea change of retail jobs disappearing across the board rather than a single disruptive technology affecting one sector.  Sure, retail products might be cheaper because humans are replaced with kiosks, but now tons of people who used to have retail jobs can't afford it anyway. Seems like we're reaching a level of tech where it's not just advancing efficiency and generating good will, but is now a serious threat to many peoples' livelihoods and generating as much fear as convenience.


Theo thuyết Ngũ hành tương sinh ( Kim sinh Thủy, Thủy sinh Mộc, Mộc sinh Hỏa, Hỏa sinh Thổ, Thổ sinh Kim ) thì:  - người mạng hỏa nên chọc mộc – các loại Tiền để đầu tư - người mạng thủy nên chọn kim – Vàng để đầu tư - người mạng mộc nên chọn thủy – Dầu thô để đầu tư - người mạng kim nên chọn thổ – Bất động sản để đầu tư  => người mạng thổ nên ủy thác đầu tư => người mạng kim nên ủy thác đầu tư ở các kênh đầu tư Vàng – Chứng Khoán  Theo thuyết Ngũ hành tương khắc ( Kim khắc Mộc, Mộc khắc Thổ, Thổ khắc Thủy, Thủy khắc Hỏa, Hỏa khắc Kim ) thì:  - người mạng mộc đầu tư kim – Vàng thì chỉ có thua lỗ - người mạng thổ đầu tư mộc – các loại Tiền thì chỉ có thua lỗ - người mạng hỏa đầu tư thủy – Dầu thô thì chỉ có thua lỗ - người mạng thủy đầu tư thổ – Bất động sản chỉ có thua lỗ  Có những người kinh doanh, đầu tư, giao dịch chỉ có thua lỗ … họ không biết tại sao ? => Thuyết Ngũ Hành có thể lý giải nguyên nhân cho chúng ta biết…  Làm việc gì cũng phải thuận theo tự nhiên thì mới Thành Công !


"Controversy is oh so very different from trolling. If you want to see trolling, look at magicunderpants.  Controversy is saying ""Hey, this thing you all do? We should question it cuz this isn't how business could possibly work for real"" in an atmosphere where everything is all-startup, all-funding, all the time."


"PC for sure.  Every class you will have will be taught with PC and windows.  Excel keying isn't apples to apples between the two.  Macs are nonexistent in the ""real world"" of finance.  Get a PC.  Cheaper and better for this purpose."


The news is sort of out there, Its just very local but will affect neighbouring countries and prices if the winter hits hard. Im just thinking that because I only see it being picked up by local news (in the local language) that maybe not all investors on the energy market are aware yet.   There are so many more obvious news that affects the european market that investors would trade on currently (ukraine etc..) that I dont think they are following local news in a foreign language


You don't even need to formally loan the LLC any money. You pay for the setup costs out of pocket, and then once the LLC is formed, you reimburse yourself (just like with an expense report). Essentially you submit an expense report to the LLC for the startup costs, and the LLC pays out a check to you, categorized for the startup expenses.


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The title is misleading.  They're just offering employees the option of a lump sum and they're giving the rest to a separate company to handle because the massive pension liability hanging over GM's head makes investors nervous.  The workers aren't getting screwed, they're still getting their pension payments.  The unions have had pretty much unrestrained complete control over the US auto makers for much of recent history, and it wasn't until they realized that their demands were choking the life out of the whole industry that they finally started to back off a bit and the companies have been able to recover somewhat.


Options or Shares vest by date they are granted. It would strike me as odd for anyone to say their shares were given with 4 year vesting, but the clock was pre-started years prior.  In my opinion, you have nothing to complain about.


Yes, automatic rate increases are typical in my experience (and I think it's very greedy, when it's based on nothing except that your lease is up for renewal, which is the situation you are describing). Yes, you should negotiate. I've had success going to the apartment manager and having this conversation:  Make these points: Conclude: I am not open to a rate increase, though I will sign a renewal at the same rate I am paying now. This conversation makes me very uncomfortable, but I try not to show it. I was able to negotiate a lease renewal at the same rate this way (in a large complex in Sacramento, CA).  If you are talking to a manager and not an owner, they will probably have to delay responding until they can check with the owner. The key really is that they want to keep units rented, especially when units are staying empty. Empty units are lost income for the owner. It is the other empty units that are staying empty that are the huge point in your favor.


As you have indicated, the 1042-S reflects no income or withholding.  As such, you are not required to file a US tax return unless you have other income from the US.  Gains on stocks are not reported until realized upon sale. FYI, your activity does not fit the requirements of being engaged in a trade or business activity.  While the definition is documented in several places of the Code, I have attached Publication 519 which most accurately represents the application to your situation as you have described it. https://www.irs.gov/publications/p519/ch04.html#en_US_2016_publink1000222308


> ...but more fundamentally, there are two factors that exclude banks from ponzi scheme membership:  It has nothing to do with either of those actually.  What separates them from ponzi schemes is that they're paying back creditors when they pay interest to depositors.  They are not paying back equity holders (which is what a ponzi scheme pays returns to).


If you wish to clean up the apartment or the home’s duct area or the commercial premises then it would be vital that you take up things that would help you in getting the exact options. With times things have changed and so you should take help of the commercial cleaning options.


I think our definition of investor is different. I don't typically think of the pre school teacher who pays into union pension is an investor, but they technically are. Which is where this disagreement stems from. Right, the person who doesn't know what the Dow and S&P are probably don't need to see statements periodically although can still invest with an advisor. So what develops trust other than track record? clients stay with him for a long time could be an answer. But why do they stay with them? B/c performance. Will a money manager who consistently loses money not get fired bc performance is a bad indicator? How do people determine good vs bad job other than based on their performance of that job?


I think even if the actual figures were off by 50%, there are still worthy points to think about.   A) Car accidents cost a lot in money and lives, and often in ways we might not think about at first.  B) There are certain types of accidents that cost more.   C) Google needs to hurry up with their self driving cars.   In the meanwhile, it might be a good idea to try and address some of these issues while we await the arrival of our Google Overlords.


"No, this is not solid advice. It's a prediction with very little factual basis, since US interest rates are kept just as low and debt levels are just as high as in the Eurozone. The USD may rise or fall against the EUR, stay the same or move back and forth. Nobody can say with any certainty. However, it is not nearly as risky as ""normal forex speculation"", since that is usually very short term and highly leveraged. You're unlikely to lose more than 20-30% of your capital by just buying and holding USD. Of course, the potential gains are also limited."


Lampert is going to take all of the prime real estate through his secured loans.   I saw someone's blog post randomly where he bought calls @ $60 back in 2014, smh. Some people really can't dig to discover the truth where this was so obvious IMO. They just see the potential valuation.