Добре дошли в progressfactory, Ако имате бизнес в България, вие ще дойдете в сърцето на въпроса, където трябва да се запишеш на организация за публикуване или на организация за представяне, за да пуснеш обекта си на разположение или да популяризираш своите администрации. Организацията предоставя всички данни, необходими на Рекламната агенция, когато за пръв път в София. С използването на нашата Рекламна агенция София контролите на рекламните банери ще имат възможността да избират хан и да я резервират по телефона, да наемат автомобил, да избират къде да останат в светлината на съседните атракции и целите на интригите.  За агентите и спекулантите сме подредили съкращаване на близките организации и администрации, което ще им позволи да постигнат целите си по-бързо и с умерени разходи. Избрахме най-добрия списък от администрации за деца и освен това най-добрите български училища и колежи, за да помогнем на младежите, които се нуждаят от рекламна агенция в България.


On the one hand, I see and mostly agree with your point. On the other hand, protecting the environment is exactly the sort of job that government should be spearheading. The entire world came together and agreed on something, then Trump pulled the US out because he felt slighted for reasons that are not based in reality. He's clearly not mentally stable enough to run a business (or he would have beaten inflation with his inheritance) let alone a global superpower.


I think the general rule for Canada resident to receive foreign inheritance don't have tax effect and you don't have to declare it. It's a little different from US global tax regulation.  ref: intuit.ca


In a money market fund, one share is worth $1. For your fund, you'll earn $0.0010 a year per share, or 0.10%.  That is all that you will earn. The APY is just another number to represent this interest rate, not a separate income stream. If you were expecting extra money from a separately credited dividend, you were mistaken. (Usually the APY is a slightly different number than the interest rate, to reflect the way that the interest is compounded over the course of the year. In this case the compounding is too slight to notice with just 2 decimal places.) If you were investing in a regular savings account, you would see the rate you are paid expressed as an APY also, but not as a dividend (as no shares are involved) and use that number to compare the two. If you were buying a bond fund or stock fund that did not have a fixed price, you could calculate the dividend yield based on the current stock price, but you would not probably see an APY listed. Money market funds are kind of an odd hybrid of 'fund' and 'savings', so they list both.


You do actually have some profits (whatever is left from donations). The way it goes is that you report everything on your Schedule C. You will report this: Your gross profits will then flow to Net Profit (line 31) since you had no other expenses (unless you had some other expenses, like paypal fees, which will appear in the relevant category in part II), and from line 31 it will go to your 1040 for the final tax calculation.


"Check the terms of your mortgage. If you are in a fixed-term mortgage, you can likely ""over-pay"" a fixed amount of the capital each year: typically 10%. Eg if you owe £300,000 on the mortgage, you can pay off an additional £30,000 this year. Next year you'd owe something like £260,000 so could pay off £26,000. You'd need to check the terms of your mortgage to see what this limit is. You can actually pay off more than this, but would become liable to pay an ""early repayment fee"" or similar, which is usually something like 3-5% of the mortgage amount. Note that this usually means you would need to re-finance the mortgage anyway If you are not on a fixed-term mortgage than, in the UK at least, you are pretty much free to over-pay as much as you would like or refinance the mortgage. If you are in a fixed-term mortgage, it is usually better to simply over-pay by that maximum allowed amount until the fixed period ends, at which point you can re-finance onto a mortgage that allows higher overpayments. This isn't always the case, though, depending on your interest rate, how high the early repayment charge is, and how much you are able to over-pay. At the very least, you're going to need to do some sums! If you do choose to over-pay up to the limit, then you'd want to over-pay as much as you can at the start of the year (ie don't divide the over-payment by 12, pay it all as early as you can) to reduce interest payments. Then once you hit the limit, put the rest into a savings account: once you are out of the fixed term you can then pay the rest as a lump sum when refinancing."


"He was Head of Public Health education in Sweden, responsible for (among other things) educating Swedish medical students on health trends.  He identified wild areas of consistent ""positive"" ignorance (where wrong ideas can't be attributed to no knowledge) among the student population.    This got him investigating how widespread these wrong ideas were in the Swedish public, which led him then to the EU, and then to all Europe and North America.  Which then led to him creating a foundation to study this form of ""ignorance"" among educated people (where they do worse on statistical knowledge than would be produced by random results).    The 3 areas they identified are Personal Bias (from limited personal experience), Education bias (from outdated teaching) and News bias (from ""the unusual sells stories"").    I don't know that he's done surveys in 3rd world (I'd imagine similar results) but he's mostly trying to fight first world ""ignorance"" by getting people to recognize and reverse their thought errors (things are generally getting better everywhere, most people are in the middle, rich and poor are one solid ""bell"" curve, You should assume you are over-estimating things that scare you)  This has huge implications for anyone doing planning -- as he points out ""no wonder people think you can never eliminate poverty"" when they don't know that we eliminated half of world poverty in the last 20 years."


"Others have mentioned the exchange rate, but this can play out in various ways. One thing we've seen since the ""Brexit"" vote is that the GBP/USD has fallen dramatically, but the value of the FTSE has gone up. This is partly due to many the companies listed there operating largely outside the UK, so their value is more linked to the dollar than the pound. It can definitely make sense to invest in stocks in a country more stable than your own, if feasible and not too expensive. Some years ago I took the 50/50 UK/US option for my (UK) pension, and it's worked out very well so far."


Certainly. My old professor of international relations used to say that if we wanted to understand complex issues, what we really needed to do was try to follow the lines of national interest. Here it seems like the Germans are acting against the national interest of the entire rest of the Eurozone, only for their narrow short-term interest. Its disgusting!


How to start is pretty simple.   With your next pay check set aside an amount and open a separate savings account.  Since this is an emergency fund - you want it someplace where you can get to the money quickly (so a CD or mutual fund is not good), but you want it in a separate account so that you don't accidentally use it.    Once the account is opened I'd recommend setting up an automatic transfer, or make it part of the direct deposit if you do that, so that you put in some money regularly (every pay check).  By adding to it regularly and not using it, you'll more quickly achieve your goal.   I'd recommend stopping, or slowing any retirement savings or other investing, until you get the emergency fund in place.  If you have an emergency, the money in the retirement fund isn't going to do you much good as it costs too much to do an early withdrawal.  The whole point of the emergency fund is to have liquidity when you need it so that you don't incur the costs of unplugging your longer term investments. Also don't worry overly much about making money on this money.  This isn't an investment it is there for emergencies.


Not at all. From personal experience, talking about work culture is a safe bet. A smart question to ask is _what backgrounds do the people working in (position) have_. Shows you're interested and willing to to fit into the role. Plus it gives you an idea of what you need to work towards to get the position.  You can also talk about the job description and how it matches your background / skills / interests (i.e: I'm interested in financial modelling because I took XXX class / read up about it through YYY book). Don't expect them to answer very industry-specific questions because in most cases they won't be able to. You can also ask them about rotational / full-time programs.


As you haven't specified country, will try and answer more in general ... Whole Life Insurance but it seems to be the first thing any financial adviser is trained to sell ... The commission structure is such that it makes more attractive for a financial adviser to sell Whole Life. Plus for most buyers its easier to sell Whole Life compared to Term. The way Guarantees are worded differ from Policy to Policy, most of them DO NOT give any Guarantee, its the Adviser misquoting. Where there is Guarantee, it would be similar to a Interest on Bank Deposit / Debt fund. Plus there are various terms used in the Policy, the Guarantee may not be on Sum Assured, but on the Policy Value that would be low. In essence, you are right on investing the difference into any save instruments like Bank Deposits, Certain Debit Funds, Government Bonds, Retirement funds etc that would essentially give you more returns than whats promised in the Whole Life Policy.


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"Im honestly trying to find your arguement for drug testing, other than ""this is my business, so its my freedom of choice"". I have no objection to that but that the large scale of what drug tests cost to business and our community as a whole is a very bad use of time and resources. The fact that most drugs are flushed out of your system in 3 days, except weed, makes the topic of medical cannabis that much more complex. My arguement is to treat drug use as mental health issue, not continuing to fuel further criminal harm to society. I understand how we test people say after a road accident, which should be a good indicator to whats harming us the most. When was the last time you saw a road sign read ""Please dont drink and smoke""? Because we all know how dangerous is to get behind the wheel and not drink, right? You nailed a bunch of points that drug tests dont really work and ultimately fuels the fake war on drugs. I could care less how you would conduct your business, especially if you respected how I handled mine, just please stop fueling the fake war on drugs."


"I am lucky enough to have chosen a flexible mortgage that allows me to change payment amounts at certain, very lenient intervals (to a minimum amount).  So when I was laid off, the first thing I did was call my bank to lower my payments to a level that allowed me some breathing room, at my new, lower income.  If and when my family's income increases, I'll re-adjust my payments to a higher amount.   But if you're concerned about the ""what if""s in this economy, I'd definitely choose a mortgage that allows for flexibility so that you don't lose your house if you don't have to, particularly if your situation is temporary."


And there is also no way to test for this since the antibiotics quickly move out of their system.  All this does is show the USDA is full of shit and has no idea how farms are really run. The USDA is just riding the organic trend and they've been busted many times labeling non organic fertilizers as organic.


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You see, your CEO must already be building a team. With the collective effort to suceed the company's vision.  The right place for those of which you are talking about should be somewhere around new teams working on a small-medium project of which each member is from a different company. Those team building activities require air to be somewhat confused enough to make those cringy happenings forgotable in such proffesional environment. If people see threat in participating they'll notice somebody messing up and that's where you get gossips. Not the easy ones, if there even are any of those.


"> If I come to your house with a gun and hand cuffs and say, ""you made this much money this year, therefore you owe me this much because I need healthcare/food/ect.""  I come to your table. ""You ate this much food in the past hour, therefore you owe us this much money because we took on a cost to produce and deliver that food to you.""  Restaurants are theft guys!"


> African Americans have just the same opportunities as any other race, so why is that an issue?  it's not an issue, but it is the libtard **agenda**  the idea is to always be squawking of Afro-Amer so as to claim **concern**  never mind the jobless rate among black, among black teenagers, the crime rate, incareceration numbers, the murder rate, the woman-only household numbers, the numbers in poverty  no...no mention of dem failures, just dem **concerns**   it's smoke and mirrors politics and done **because it always works**


"The answer to the question, can I exercise the option right away? depends on the exercise style of the particular option contract you are talking about. If it's an American-style exercise, you can exercise at any moment until the expiration date. If it's an European-style exercise, you can only exercise at the expiration date. According to the CME Group website on the FOPs on Gold futures, it's an American-style exercise (always make sure to double check this - especially in the Options on Futures world, there are quite a few that are European style): http://www.cmegroup.com/trading/metals/precious/gold_contractSpecs_options.html?optionProductId=192#optionProductId=192 So, if you wanted to, the answer is: yes, you can exercise those contracts before expiration. But a very important question you should ask is: should you? Option prices are composed of 2 parts: intrinsic value, and extrinsic value. Intrinsic value is defined as by how much the option is in the money. That is, for Calls, it's how much the strike is below the current underlying price; and for Puts, it's how much the strike is above the current underlying price. Extrinsic value is whatever amount you have to add to the intrinsic value, to get the actual price the option is trading at the market. Note that there's no negative intrinsic value. It's either a positive number, or 0. When the intrinsic value is 0, all the value of the option is extrinsic value. The reason why options have extrinsic value is because they give the buyer a right, and the seller, an obligation. Ie, the seller is assuming risk. Traders are only willing to assume obligations/risks, and give others a right, if they get paid for that. The amount they get paid for that is the extrinsic value. In the scenario you described, underlying price is 1347, call strike is 1350. Whatever amount you have paid for that option is extrinsic value (because the strike of the call is above the underlying price, so intrinsic = 0, intrinsic + extrinsic = value of the option, by definition). Now, in your scenario, gold prices went up to 1355. Now your call option is ""in the money"", that is, the strike of your call option is below the gold price. That necessarily means that your call option has intrinsic value. You can easily calculate how much: it has exactly $5 intrinsic value (1355 - 1350, undelrying price - strike). But that contract still has some ""risk"" associated to it for the seller: so it necessarily still have some extrinsic value as well. So, the option that you bought for, let's say, $2.30, could now be worth something like $6.90 ($5 + a hypothetical $1.90 in extrinsic value). In your question, you mentioned exercising the option and then making a profit there. Well, if you do that, you exercise your options, get some gold futures immediately paying $1350 for them (your strike), and then you can sell them in the market for $1355. So, you make $5 there (multiplied by the contract multiplier). BUT your profit is not $5. Here's why: remember that you had to buy that option? You paid some money for that. In this hypothetical example, you payed $2.30 to buy the option. So you actually made only $5 - $2.30 = $2.70 profit! On the other hand, you could just have sold the option: you'd then make money by selling something that you bought for $2.30 that's now worth $6.90. This will give you a higher profit! In this case, if those numbers were real, you'd make $6.90 - $2.30 = $4.60 profit, waaaay more than $2.70 profit! Here's the interesting part: did you notice exactly how much more profit you'd have by selling the option back to the market, instead of exercising it and selling the gold contracts? Exactly $1.90. Do you remember this number? That's the extrinsic value, and it's not a coincidence. By exercising an option, you immediately give up all the extrinsic value it has. You are going to convert all the extrinsic value into $0. So that's why it's not optimal to exercise the contract. Also, many brokers usually charge you much more commissions and fees to exercise an option than to buy/sell options, so there's that as well! Always remember: when you exercise an option contract, you immediately give up all the extrinsic value it has. So it's never optimal to do an early exercise of option contracts and individual, retail investors. (institutional investors doing HFT might be able to spot price discrepancies and make money doing arbitrage; but retail investors don't have the low commissions and the technology required to make money out of that!) Might also be interesting to think about the other side of this: have you noticed how, in the example above, the option started with $2.30 of extrinsic value, and then it had less, $1.90 only? That's really how options work: as the market changes, extrinsic value changes, and as time goes by, extrinsic value usually decreases. Other factors might increase it (like, more fear in the market usually bring the option prices up), but the passage of time alone will decrease it. So options that you buy will naturally decrease some value over time. The closer you are to expiration, the faster it's going to lose value, which kind of makes intuitive sense. For instance, compare an option with 90 days to expiration (DTE) to another with 10 DTE. One day later, the first option still has 89 DTE (almost the same as 90 DTE), but the other has 9 DTE - it relatively much closer to the expiration than the day before. So it will decay faster. Option buyers can protect their investment from time decay by buying longer dated options, which decay slower! edit: just thought about adding one final thought here. Probabilities. The strategy that you describe in your question is basically going long an OTM call. This is an extremely bullish position, with low probability of making money. Basically, for you to make money, you need two things: you need to be right on direction, and you need to be right on time. In this example, you need the underlying to go up - by a considerable amount! And you need this to happen quickly, before the passage of time will remove too much of the extrinsic value of your call (and, obviously, before the call expires). Benefit of the strategy is, in the highly unlikely event of an extreme, unanticipated move of the underlying to the upside, you can make a lot of money. So, it's a low probability, limited risk, unlimited profit, extremely bullish strategy."


The biggest problem I see while looking for a new job so I can get out of where I am is that they basically want someone with Kevin Mitnick skills to install ram at a help desk. It's getting absurd what they put for qualifications for some of these jobs.


No.  This amount of money is not appropriate for friends to go in on. Although you could consider buying a house with a business partner, have the contracts drawn up, see an attorney, read up on the penalties if one of the partners doesn't hold up their end from the law's point of view. Also, since this is a business arrangement, write and sign all sorts of details regarding the penalties amongst the partners (not just the law) when one person doesn't hold up. It isn't that you don't have good intentions, or that you couldn't do it just fine if no problems ever happen.  The issue is that over the course of a mortgage, which is at least several years, something is very likely to come up.  If you and your friend aren't prepared to think about all those issues and how to handle them, you will lose a friend, probably a house and your good credit. I wouldn't go into business with my best friend because I want him to stay my best friend.


I don't think there's anything to worry about.  TFS doesn't really care who's paying, as long as the loan is being paid as agreed.  Of course you're helping your dad's credit history and not your own, but I doubt TFS would give back money just because it came from your bank account. A business may claim a payment wasn't made against the loan, but you'd have the records that you did in fact pay (keep those bank statements).  In theory they could sue you, in practice you'd send them the proof and they'd investigate and find the misplaced money.  THAT does happen sometimes; the wrong account is credited.  If it did end up in court, again you'd win because you have proof you sent payments.  Even if you put the wrong loan account number to pay to, you'd have proof you in fact sent the money.   If you're talking about something like a loan shark... they can do whatever they like.  They won't sue you though, because again you'd have proof.  That's why they'd use violence.  But probably a loan shark wouldn't falsely claim you didn't pay if you did, as word would get out and the loan shark would lose business.  And again, as long as they get what's agreed to, they don't care how they get it or who they get it from.


"MD-Tech's answer is correct. Let me only point out that there are easier ways to invest in the DJIA index without having to buy individual stocks. You can buy a mutual fund or ETF that will track the index and your return will be almost identical to the performance of the underlying index. It's ""almost"" identical because the fund will take a small management fee, you will have to pay annual taxes on capital gains (if you hold the investment in a taxable account), and because the fund has to actually invest in the underlying stocks, there will be small differences due to rounding and timing of the fund's trades. You also ask: Assuming that I calculated those numbers correctly, is this gain   approximately better, equal to, or worse than an average investment   for that timespan? While people argue about the numbers, index funds tend to do better than average (depends on what you call ""average"", of course). They do better than most actively managed funds, too. And since they have low management fees, index funds are often considered to be an important part of a long-term investment portfolio because they require very little activity on your part other than buying and holding."


As an international student, the tuition is sky high. Typically, most students take loans for Education and start paying it back once they get a job. If you have exhausted your OPT period and have not got H1B, your options are either to go for further education(Hint: Phd), you can hope to cover living expense by part-time on campus job. This will give you additional time to look for a job and try for H1B again!


"The bank is asking for a P & L because as a contractor you are in essence running your own business.  Its kind of a technicality, all you need to do is look at any expenses that you paid out of pocket while working there that were job or ""business"" related. Write a list of those expenses such as ""Gas"", ""Materials"", ""Legal Expenses"", etc. and then show your total income from that job or ""contract"" subtract the expenses and show your total profit or loss hence Profit / Loss Statement. I realize that you may not have any real expenses tied to that job although I don't know and if you don't, then simply write in your income, say no expenses and show your ""profit/pay"" at the bottom of your P & L! Viola! Your Done! Good luck with the closing!"


If people don't pay their taxes there's no way the government can have the funds to do any work not to mention the levels of corruption within the government itself doesn't allow anything to happen anyways.  https://www.google.ie/amp/s/www.cnbc.com/amp/2016/05/03/guess-how-many-people-pay-taxes-in-india.html This article says less than 2 percent of Indians pay income tax. Vast majority who gain incomes through some sort of business earning never show taxes and handle with cash dealings. Then again even if we do pay taxes there's just no guarantee that it would be put to good use unlike in wealthier countries.


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A Credit Balance means that you overpayed. That's nothing to worry about; it will just be used up by your next charges. Note that this can have two reasons - either you really paid too much; or you paid off a charge that is still 'pending' - meaning it has not yet posted and is not considered in the amount you owe: Most charges in restaurants for example are pending for a day or more, because the original charge is your bill without tip (they don't know the tip when the run the card!), and the merchant spends his weekends or evenings to type in the final amount (including tip) and post the pending charge. If this is the case, it will settle ('get posted') in a day or two, and then it will match up.


I know the money isn't taxable when I send it to my parents Yes this is right they send it to their nephew as it will count as a gift No this is incorrect Yes. Refer to Income Tax guide on relations exempt under gifts. Gifts received from relatives are not charged to tax. Relative for this purpose means:   (a) Spouse of the individual;   (b) Brother or sister of the individual;   (c) Brother or sister of the spouse of the individual;   (d) Brother or sister of either of the parents of the individual;   (e) Any lineal ascendant or descendent of the individual;   (f) Any lineal ascendant or descendent of the spouse of the individual;   (g) Spouse of the persons referred to in (b) to (f).   Friend is not a relative as defined in the above list and hence, gift received from friends will be charged to tax (if other criteria of taxing gift are satisfied). Even if you assumption were true, i.e. your dad gives it to his brother and his brother gives it to his son ...  But if this is done sequentially and soon one after the other, is it taxable? The intent is important. One can do it immediately or after few years; if the intent is established that this was done to evade taxes, then you will have to pay the tax as well as penalty.


"The link to the paper is in this paragraph:  >Entitled [""The Chicago Plan Revisited""](http://www.imf.org/external/pubs/ft/wp/2012/wp12202.pdf), it revives the scheme first put forward by professors Henry Simons and Irving Fisher in 1936 during the ferment of creative thinking in the late Depression.   [Full Paper](http://www.imf.org/external/pubs/ft/wp/2012/wp12202.pdf) (PDF)"


You will not necessarily incur a penalty.  You can potentially use the Annualized Income Installment method, which allows you to compute the tax due for each quarter based on income actually earned up to that point in the year.  See Publication 505, in particular Worksheet 2-9.  Form 2210 is also relevant as that is the form you will use when actually calculating whether you owe a penalty after the year is over. On my reading of Form 2210, if you had literally zero income during the first quarter, you won't be expected to make an estimated tax payment for that quarter (as long as you properly follow the Annualized Income Installment method for future quarters).  However, you should go through the calculations yourself to see what the situation is with your actual numbers.


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"Is there anything I need to ask or consider during my negotiation   process based on the fact that they probably will soon be own by   another company? Very tricky situation. You are being hired by one company, and one hiring manager. But you already know that there are big changes ahead. What you don't know is how all those changes will actually play out. You will at least end up working for a different company.  I've worked for several companies in the past that were acquired, and some that acquired other companies. After each acquisition, the nature of the company changed significantly. Some teams were let go completely (often ""overhead"" departments like accounting, marketing, etc, that were handled at the corporate level), some teams were moved to a different location, others stayed the same. Sometimes management changed. In one case I was working for a new boss who worked out of the home office in another state. The time frame for these changes ranged from immediately, to several years after the acquisition. For me at least, some of the things that made the job appealing earlier typically were gone.  Try as best you can to ask questions about the acquisition, and about the nature of the acquiring company. If they are allowed to tell you the name of the company that is acquiring them, do some searching. See if you can find out how the company typically deals with acquisitions - do they immediately let almost everyone go (keeping only the ""essential"" few), or do they run new acquisitions as separate divisions and leave them alone for at least a while? Try to find out from your hiring manager what their expectations are for your specific team post-acquisition. Try to find out if anything within your offer is subject to change, post-acquisition. Are you being hired under the old, pre-acquisition rules? Or under the new, post-acquisition rules? The fact that you even know the company is being acquired is good. Often, companies cannot even divulge that fact until very near the end. On the other hand your use of the phrase ""probably will soon"", makes me wonder how much is definite here. Here's something you might wish to read: https://workplace.stackexchange.com/questions/20357/a-coworker-beat-me-to-resignation-how-can-i-resign-in-a-professional-manner"


> No, because I assert that it's not only about these lucky events. It still takes some degree of intelligence, or insight, and hard work  That is just as, if not more, superstitious as believing in luck as a measurable force.  Without prescience, it's impossible to predict which way hard work will pay off.  'luck' (or coincidence, if you prefer) can cut you out of the successful herd in a single morning of stock market flunctuations.    You're talking about good choices, when the case in point we just read showed that lewis make blind, dumb choices twice that paid off - and shouldn't have.   > with the ability and drive to maximize the opportunity  Again, what you are talking about involves predicting how a presented advantage will pan out.  Choosing nearly-identical employer A instead of B will only be obviously a good choice in hindsight.  Getting it right is 'luck'.


"Bad plan. This seems like a recipe for having your money taken away from you by CBP.  Let me explain the biases which make it so.  US banking is reliable enough for the common citizen, that everyone simply uses banks.  To elaborate, Americans who are unbanked either can't produce simple identity paperwork; or they got an account but then got blacklisted for overdrawing it. These are problems of the poor, not millionaires.  Outside of determined ""off the grid"" folks with political reasons to not be in the banking and credit systsm, anyone with money uses the banking system.  Who's not a criminal, anyway.  We also have strong laws against money laundering: turning cash (of questionable origin) into ""sanitized"" cash on deposit in a bank.  The most obvious trick is deposit $5000/day for 200 days. Nope, that's Structuring: yeah, we have a word for that.  A guy with $1 million cash, it is presumed he has no choice: he can't convert it into a bank deposit, as in this problem - note where she says she can't launder it.  If it's normal for people in your country to haul around cash, due to a defective banking system, you're not the only one with that problem, and nearby there'll be a country with a good banking system who understands your situation.  Deposit it there.  Then retain a US lawyer who specializes in this, and follow his advice about moving the money to the US via funds transfer. Even then, you may have some explaining to do; but far less than with cash.  (And keep in mind for those politically motivated off-the-financial-grid types, they're a bit crazy but definitely not stupid, live a cash life everyday, and know the law better than anybody. They would definitely consider using banks and funds transfers for the border crossing proper, because of Customs.  Then they'll turn it into cash domestically and close the accounts.)"


"This has been answered countless times before: One example you may want to look at is DGRO.  It is an iShares ETF that many discount brokers trade for free.  This ETF:  offers ""exposure to U.S. stocks focused on dividend growth""."


This taxation guide may be helpful in sorting out some of your questions.  I'm not entirely versatile with UK tax, so my answer will stay broad.  I think the answer may be to consult a professional advisor. You may become non-resident but remain UK domiciled.  Everybody has exactly one domicile and it is essentially their permanent home (the place where they intend to one day return and live.  The test is based on your intent - do you intend to return to the UK or do you intend to make another land your permanent home?  Simply traveling about the world will not establish a new domicile for you.  So you may owe some taxes on your worldwide income or capital gains while a UK-domiciled non-resident, as suggested here. If it helps, the UK tax residence rules are listed by HMRC online.  If your business is a corporation, there's a different analysis.  You may also want to refer to the UK-BVI tax treaty.  HMRC offers a tax residence calculator to help sort your residence, if you plan to return often.


There are a few different ways to organize this, but mostly I think you need to talk to a lawyer.  The 50/50 split thing should be in writing along with a bunch of other issues. You could have one of you doing a sole proprietorship where the other person is a contractor that receives half of all revenues/profits.  The person that owns the sole proprietorship may be entitled to deduct certain costs of running the entity.  The other person would then be 1099'd his share of revenues. You could set up a partnership, again legal paperwork is necessary. You could also setup an S-Corp, where each of you is a 50% owner. You could also setup an LLC that is organized as any of the above.  I would only do this if you can self fund some additional tax preparation costs.  Figure about $600/year at a minimum.   There are a lot of options with a sole proprietorship being the easiest.  Your first step on the new venture would be to apply for an EIN (free), and then opening a business bank account. Good luck.


I've investigated this, and banks are willing to offer a deal similar to what you ask. You would take out a securities-backed loan, which provides you with the down payment on the property. For the remainder, you take out a regular mortgage.  JAGAnalyst wonders why banks would accept this. Simple: because there's money to be made, both on the securities-backed loan and the mortgage. Both parts of the deal are financially sound from the banks perspective. Now, the 20% number is perhaps a bit low. Having 20% of the value in shares means you'd be able to get a loan for 50% of that, so only a 10% downpayment.


I agree with you. The quiz was looking at it differently, as if you had a huge card balance and were making minimum payments.  The fact that I run all my spending through my cards somehow looks like my card payments are 60-70% of my budget. But when you break it out, zero of that is interest, and it's just a budgeting tool.


Canada does not have a set date on which a (Federal) budget plan is unveiled. In 2011 it was June 6th. In 2012 it was March 29th and in 2013 it was 21st March.


If you are looking to build wealth, leasing is a bad idea.  But so is buying a new car.  All cars lose value once you buy them.  New cars lose anywhere between 30-60% of their value in the first 4 years of ownership. Buying a good quality, used car is the way to go if you are looking to build wealth.  And keeping the car for a while is also desirable.  Re-leasing every three years is no way to build wealth. The American Car Payment is probably the biggest factor holding many people back from building wealth.  Don't fall into the trap - buy a used car and drive it for as long as you can until the maintenance gets too pricey.  Then upgrade to a better used car, etc. If you cannot buy a car outright with cash, you cannot afford it.  Period.


"Don't ignore it. If this is a non-trivial amount of money you need a lawyer. You've acknowledged that a loan exists and have personally guaranteed it, so a court can and will ultimately order you to pay. In doing so, they can put liens on your assests. Depending on the state, how the property is titled and other factors, that can include your home. If you don't have the money and are pretty much broke, try to negotiate a settlement. If they balk, you'll eventually need to start talking about bankruptcy -- that's the ""nuclear option"" and a motivator to settle. Otherwise, you need to either seriously explore bankruptcy or be prepared to lose your stuff to a judgement and having your dirty laundry aired in court. If you're not broke, but don't have liquid capital, you need to figure out a way to raise the money somehow. Again, you need to consult an attorney."


"Well, first off - yes, every year the younger generation grows up but remember that the older generation also dying off/leaving the market place. Also, what happens if the younger generation can't take up enough debt in order to pay for previous commitments?  Secondly, I think you're confusing the money supply with actual production. The two are pretty much divorced from each other - money doesn't require a ""resource"" per se (at least, not since leaving the gold standard), it just requires that someone is able/willing to take on debt. For example, every time you take a loan out from the bank, you are effectively creating money. This is called bank credit and if you live in a country that uses fractional reserve banking then it makes up a very large part of your money supply (think like up to 95%). When bank's create money, they only create the principle amount (ie. the original loan amount) and not the interest amount as well. This means that someone else needs to take out a loan so that you can repay the amount in interest that you owe on your new loan. This doesn't normally affect you because there are lots of people taking out lots of loans all the time and money is circulating around in the economy. The problem is that eventually the system gets to a stage where people can't really take out loans any more, they just have too much debt, and so you end up with a liquidity crisis like in 2008.   So what I was saying is that either I'm missing something pretty obvious and I've got this wrong or this is exactly how it works and economists like to just ignore it for the benefits that it offers..."


At what point do we begin crediting trump’s policies for things like this? Is there data to suggest this is because of any of his policies? I frankly really don’t like the guy but i give credit where credit is due and I’d like to know if he deserves credit or if this is still residual from Obama or the natural economic cycle.


The tax is only payable on the gain you make  i.e the difference between the price you paid and the price you sold at. In your cse no tax is payable if you sell at the same price you bought at


Weren't they one of the healthy banks during the financial crisis? I wonder what keeps them ahead of the pack or if the actual J. P. Morgan had any advise that they still adhere to today. I'm sure being part of a powerful organization that has shaped the financial industry has it perks in terms of having insider knowledge of how the innards of the industry work.


"Yes. Two years after your first contribution to the SIMPLE IRA, you can roll it to a traditional IRA.  You can still contribute ""pre-tax"", but the mechanism will be slightly different, since with an employer plan the contribution was automatically deducted from your paycheck.  With an individual plan, you make the contributions yourself and then get a tax deduction when you file.  Since contributions to traditional and Roth IRAs combined are capped at $5,500 if you're under 50, some sort of employer-sponsored plan might be better from a contribution standpoint. If your institution offers some sort of plan other than a 401(k), you might still want to roll to a traditional IRA, since you will have much more flexibility in the investments you choose. On the flip side, if that thought is overwhelming, having a smaller set of options might be better for your peace of mind."


"Bank accounts are free, as are discount brokerage accounts (for stuff like IRA's).  Any time you think there might be an advantage to getting another one, go ahead and do so. I have a number of bank accounts.  Whichever has the best interest rate (typically an online bank) gets the bulk of my cash savings, whichever has the closest ATM gets as much money as I think I might want to withdraw, and I often have a bank account from which my credit cards are paid. Other banks have a token ""just in case I move"" amount of money. The only cost is that you have to check them from time to time to make sure each account has enough for its likely uses.  I use mint.com for that."


"While I agree that there's no known health risk, I do appreciate disclosure.  It doesn't have to be a big deal.  Nobody's upset if the sign says ""Gala Apples"" instead of ""Apples"", so why would it be so hard to say ""Monsanto #204054 Strain Corn"" instead of ""Yellow Corn""?  I would expect-- as GMO technology improves-- we'll see bolder and bolder changes to food products, some of which might inadvertently change the allergen profile.  (conversely, we might even see it as a deliberate target-- for example, a peanut that was designed to be less allergenic)  I also think there are some non-GMO selection processes that could benefit from disclosure and name-and-shame.  The whole ""let's engineer herbicide-resistant crops"" model gives a license for carpet-bombing with herbicides, instead of judicious use.  It would not surprise me if such crops end up reaching the market with higher average levels of herbicide residue.  So make it easy for me to not buy ""Roundup Ready"" crops.  The big mistake with GMO and labelling is that the GMO industry lost control over the narrative.  They didn't hit the market with exciting products consumers would care about.  Stuff that would make them say ""the future of food will actually be better than Grandma's heirlloom crops.""  There was never a sign in the store that said ""Try our new GMO peas with 30% more vitamins!"" or ""This fresh local corn in December is made possible by a GM strain with a longer growing season!""  What we got were lukewarm products like ""it's the same crappy tomato as before but it takes three days longer to rot in the back of the fridge"".  If the benefits weren't obvious for the consumer, it became easy for the conspiracy-theorists to take hold of the story."


If you've been using TurboTax, let me suggest a compromise: Let TTax fill out the forms, but then print them out and go through it again by hand. If you don't get the same numbers, investigate why. If you do, you can probably conclude that you could do it by hand if you really want to, especially if you have the previous year's returns as a reference. (I've gone through every version of this from before personal tax software existed thru hand-constructed spreadsheets to commercial software and e-filing (federal only; I refuse to pay for something that reduces THEIR work). I can't use the free online version -- my return's got complications it won't handle -- and I'm uncomfortable putting that much data on a machine I don't control, so I'm still buying software each year. I COULD save the money, but it's worth a few bucks to me to make the process less annoying.) Late edit: Note that a self-constructed spreadsheet is one answer to the annoyance of pencil and paper -- you're still doing all the data manipulation yourself, but you're recording HOW you manipulated it as you go, and if numbers change you don't have to redo all the work. And it avoids raw math errors. It does require that you enter all the formulas rather than just their results, and figuring out how to express some things in stylesheet form can be a nuisance, but it isn't awful... and once you've done it (assuming you got it right) updating it for the next year is usually not hard unless you've introduced a completely new set of issues.


Laser hair removal isn't permanent, you have to have several sessions to get all of the hair, each session costing hundreds. And then it may only last a few years before you have hair growing back again. It's not worth the money unless you have such a large amount that you can throw away several thousand. As others have said, either buy blades in bulk or get a straight razor. They will be much more economical in both the short term and long term.


The safest investment in the United States is Treasures. The Federal Reserve just increased the short term rate for the first time in about seven years. But the banks are under no obligation to increase the rate they pay. So you (or rather they) can loan money directly to the United States Government by buying Bills, Notes, or Bonds. To do this you set up an account with Treasury Direct. You print off a form (available at the website) and take the filled out form to the bank. At the bank their identity and citizenship will be verified and the bank will complete the form. The form is then mailed into Treasury Direct.  There are at least two investments you can make at Treasury Direct that guarantee a rate of return better than the inflation rate. They are I-series bonds and Treasury Inflation Protected Securities (TIPS). Personally, I prefer the I-series bonds to TIPS.  Here is a link to the Treasury Direct website for information on I-series bonds. this link takes you to information on TIPS.  Edit: To the best of my understanding, the Federal Reserve has no ability to set the rate for notes and bonds. It is my understanding that they can only directly control the overnight rate. Which is the rate the banks get for parking their money with the Fed overnight. I believe that the rates for longer term instruments are set by the market and are not mandated by the Fed (or anyone else in government). It is only by indirect influence that the Fed tries to change long term rates.


I've used PayPal for my business for a long time. Sometimes PayPal doesn't trust credit cards. Debit or direct bank transfer are reliable. There is also a charge for using a credit card but I don't think that is the reason. You may be trying to purchase a high value item. That would be a possible reason why PayPal allowed you to use credit cards in the past, but will not allow you to do so now, for these particular transactions.


It means that supply of labor is greater than demand. Therefore wages are suppressed as people compete over the few jobs available.  The unemployment rate is misleading because people drop off the statistic even though in a functional sense they're still looking for work.  Many of the open positions available aren't in immediate need of filling. A lot of job ads have laundry lists of nice to have qualities and skills that most experienced people don't have.   From the employer's perspective they'd rather hold out for the dream candidate and make existing employees work more unpaid overtime than take a risk hiring someone who doesn't meet their wildest dreams.


Obat Penyakit Wasir Terbaik » Di zaman sekarang ini pengobatan secara herbal kini paling banyak diminati oleh kalangan masyarakat. Begitu pula dalam hal menyembuhkan penyakit wasir, Kami disini menyarankan kepada anda untuk melakukan pengobatan secara herbal dengan obat herbal Ace Maxs. Untuk lebih mengetahui akan khasiat dari obat herbal Ace Maxs, silahkan anda simak pembahasan berikut ini.


Despite the fact that I think there is a litany of inaccuracies and misunderstandings related to quoted price and transaction price and the way prices move and assets transact; if you were able to, under these extremely narrow and very unlikely conditions, affect the prices of these assets that would be market manipulation in the eyes of the SEC. Link to the SEC page about market manipulation.


I'm not ignorant, I just support the right of a business or owner to make the decision to go after someone who drinks, smokes, or puts anything else in their body that might downgrade performance AND put other employees at risk to dangerous behaviors.  https://news.yale.edu/2017/03/08/combo-pot-and-booze-real-gpa-downer-study-shows


Being into Business since years and having clients worldwide I receive a lot of payments via wire transfers. Some in business and some in personal checking accounts. I have never been charged by my bank for any incoming wire. And by the way I bank with HSBC and BoA in the US. Actually the charges on the account depends on the type of account you are opening/holding with the bank. With a tight competition in the finance and banking industry you can always demand the bank for the services you want and the pricing you want. The best thing to do is ask your bank if they can wave those incoming wire charges for you and if not you have a whole bunch of options.


Neue und gebrauchte Gerüste bei GH-Gerüsthandel kaufen --Gerüste, die in Unternehmen zum Einsatz kommen, müssen nicht neu gekauft werden, sondern können auch gebraucht noch sehr hochwertig sein. Einen Anbieter finden Interessenten unter http://www.gh-geruesthandel.de. Hier kann hochwertige Qualität gebraucht erworben werden.


>  if you buy from an ethnic market  Which don't exist in the food deserts where the rural poor live.  > time spent preparing meals  Which the working poor who work multiple part-time jobs to support their too-large families don't often have.  >  a little education[  Which is getting better, but it still requires a large amount of time and energy to figure out.  Of course, it doesn't help that we don't really teach/require science in schools.


The only ridiculous thing in the article is the statement that taxes to try to keep down inequality won't do any good because companies will hire less.   What bullshit. Taxes on the wealthy doesn't need to come from the companies alone, it should also come from closing ridiculous loopholes that only favour the rich, and a more progressive income tax system that includes all earnings, be them through wages or through capital gains.   I really don't understand why $100,000 in wages should be treated differently tax-wise than $100,000 in capital gains...


Tesla is a horrible model in terms of sustainability.  It's just the electric version of a penis car* like a Ferrari.  It's battery is equivalent to over a 1000+ laptop batteries?  Where would we strip mine all that material if most people got one?  And his solar panel assembly must be either huge ass expensive or he doesn't drive much or use much electricity.  I always thought a series hybrid like Aptera would have been the way to go in this world toward sustainability.  *Family Guy.


"What teachers have is not ridiculous. Stop blindly accepting what the media is throwing at you. What teachers have is the right to a due process when they are being evaluated. That's all.   Why? Try this: the next time you assert pseudo free market principals into education, at least take into account the fact that (unlike a free market) schools cannot hire anybody to teach simply because you want to. Someone on Wall Street can hire literally anyone they want based simply on the idea that they're convinced the person can do the job.  Not in education. The people demand that a teacher go through (literally) years of classes, observations, training, and tens of thousands of dollars to earn their credential. In other words, if you were a principal and you stumbled across somebody that you were convinced would make an excellent teacher, you couldn't hire them.  There is no free market system in education because the people have demanded standards for what qualifies someone as a professional teacher.  Here's the point: what kind of people would jump through all those hoops to become a teacher (or firefighter, or policeman) without something to protect what they've earned? We're already losing record number of teachers because of the bullshit that comes from letting politicians run our schools. Take away union protections and they'll be leaving in droves.  What's fucking ridiculous is a public that wants ""no child left behind"" heroic performance at a fraction of what they paid forty years ago."


The thing with your last option is that the cash-out mortgage is treated differently than purchase mortgage, with regards to taxes. Specifically, tax deduction is limited to $100K mortgage instead of $1M (or a bit higher even). Other than that - you've covered your options, and its up to you to decide what to do.


"Interestingly, ancient Judaism and Christianity held a Jubilee year every 50 years in which all debts were forgive, slaves were freed, etc. ""The land must not be sold permanently, for the land belongs to me. You are only foreigners, my tenant farmers."" -Leviticus 25:23 Jubilee would more resemble ""the government declares all mortgages and credit card debts void"" with FDIC caping the payouts when banks fell into receivership, not simply ""the government pays off all mortgages"".  Yet, it still demonstrates that primitive societies employed tools similar to what you describe.  There is surely all manor of interesting analysis of the economic impacts of Jubilee by Jewish religious historians.  You might even find arguments that communism was invented because Western Judeo-Christian societies abandoned Jubilee. As an aside, I'm surprised that nobody here directly discussed the velocity of money.  If you wipe out a mortgage, you might convert a spender into a saver, especially during a recession, meaning you've injected slow money.  Conversely, anyone too poor for a mortgage probably spends all their money, meaning giving them a job injects faster money.  In addition, it's much cheaper to hire tons of poor people to do useful things, like repairing bridges."


"It would have to be made as a ""gift"", and then the return would be a ""gift"" back to you, because you're not allowed to use a loan for a down payment. This is not to evade taxes.  This is to evade a credit check.  The problem is that banks don't like people to have too much debt.  The bank could void the loan and go after your friends for damages under certain circumstances, as this is a fraud on the bank.  Perhaps you might be guilty of conspiracy to commit fraud or similar.   I'm willing to assume for the sake of argument that there is zero chance of your friend not paying you back intentionally.  But even so, there are still potential problems.  What if your friends end up without the money to pay?  Worse, what if something happens to them?  This is an off-books transaction.  You couldn't make a claim against the estate, as there can't be a paper trail.  You'd be left out the money in those circumstances.   You'd both be safer if your friends saved up for the next opportunity rather than trying to grab this one.   An alternative would be to buy a share of their current rental house.  That would give them the necessary money and would give you paper showing your money.  It's not a gift, it's a purchase.  You'd have to pay capital gains tax on the 15% profit that they're promising you.  But you'd both be above board and honest."


"I made an investing mistake many (eight?) years ago. Specifically, I invested a very large sum of money in a certain triple leveraged ETF (the asset has not yet been sold, but the value has decreased to maybe one 8th or 5th of the original amount). I thought the risk involved was the volatility--I didn't realize that due to the nature of the asset the value would be constantly decreasing towards zero! Anyhow, my question is what to do next?  I would advise you to sell it ASAP. You didn't mention what ETF it is, but chances are you will continue to lose money. The complicating factor is that I have since moved out of the United States and am living abroad (i.e. Japan). I am permanent resident of my host country, I have a steady salary that is paid by a company incorporated in my host country, and pay taxes to the host government. I file a tax return to the U.S. Government each year, but all my income is excluded so I do not pay any taxes. In this way, I do not think that I can write anything off on my U.S. tax return. Also, I have absolutely no idea if I would be able to write off any losses on my Japanese tax return (I've entrusted all the family tax issues to my wife). Would this be possible?  I can't answer this question but you seem to be looking for information on ""cross-border tax harvesting"". If Google doesn't yield useful results, I'd suggest you talk to an accountant who is familiar with the relevant tax codes. Are there any other available options (that would not involve having to tell my wife about the loss, which would be inevitable if I were to go the tax write-off route in Japan)? This is off topic but you should probably have an honest conversation with your wife regardless. If I continue to hold onto this asset the value will decrease lower and lower. Any suggestions as to what to do? See above: close your position ASAP For more information on the pitfalls of leveraged ETFs (FINRA) What happens if I hold longer than one trading day?  While there may be trading and hedging strategies that justify holding these investments longer than a day, buy-and-hold investors with an intermediate or long-term time horizon should carefully consider whether these ETFs are appropriate for their portfolio. As discussed above, because leveraged and inverse ETFs reset each day, their performance can quickly diverge from the performance of the underlying index or benchmark. In other words, it is possible that you could suffer significant losses even if the long-term performance of the index showed a gain."


First off, some companies do something like this.  Microsoft for example was well-known for consistently hitting earnings estimates every quarter - nearly never missed them, and most of the time didn't exceed by much either.  In order to do this and not be prosecuted for accounting fraud, you typically have to be a service or nontangible good company (like Microsoft used to be) where you can manipulate the amount of product on hand and move costs fairly easily from one quarter to the next.  A company like, say, Home Depot or Caterpillar - both of which have tangible goods they're either retailing or producing - has less flexibility there, although they will still try to move profits around to match earnings estimates more closely. However, you have to be consistently doing well to be able to do this.  You can't manufacture additional total revenue; so if you have one 'down' quarter, you have to either have moved some revenue into it from the previous quarter, or you have to be able to move some into it from the next quarter.  That obviously doesn't work consistently unless you're a fast-growing company, or have an extremely stable base.  It's also hard to do this in a legal-seeming fashion - technically this sort of manipulation is illegal, so decisions have to be justifiable.  Companies (like Microsoft) that are expanding can also do things to encourage slightly lower expectations.  A company in need of a stock price bump issues press releases touting its inventions and products as amazing things that will drive profits through the roof and an aggressive profit forecast - just as easy to issue a press release with a conservative forecast, meaning the bar will be lower to hit.   It's also not really necessary to manipulate earnings to have a consistently well-performing stock.  This article for example shows that companies who miss earnings estimates don't really suffer much (when controlling for their actual earnings changes, of course) in the long run.  Your price might drop a bit, but if your company is otherwise sound, it will recover. Finally, companies do sometimes come out with information ahead of earnings that cause expectations to be lowered.  7-Eleven for example just lowered its earnings expectations due to various reasons.  Some companies choose to do this in order to dilute the effect on the market.  I'm not sure if this is ever required, but it seems to me that some companies are much quicker to restate earnings expectations than others.


You'll need to check PayPal's terms of service for that first question. I would imagine you could, as my wife and I both have personal PayPal accounts listed at the same address. When you receive money, the senders will only see the (full) name on your account, the amount, and the transaction ID. If you set up a business account, the name on your account will be replaced with the company name. Your mailing address will not be made visible. Yes, PayPal provides an export option of your transaction history. For reference: If your volume greater than $20,000 across 200 or more transactions, then they'll be issuing a 1099-K form, anyway. That depends on the payment method. Bank transfers are instant, where cards require a settlement delay. PayPal provides buyer protection, so I'd be very dutiful in logging all of your work done to provide proof of completion, in case someone disputes a payment. Disputes can take place up to 45 days from the date of the transaction. Chargebacks can take place 120 days or more after the transaction (depends on the card network).


I've recently discovered that Morningstar provides 5yr avgs of a few numbers, including dividend yield, for free.  For example, see the right-hand column in the 'Current Valuation' section, 5th row down for the 5yr avg dividend yield for PG: http://financials.morningstar.com/valuation/price-ratio.html?t=PG&region=usa&culture=en-US Another site that probably has this, and alot more, is YCharts.  But that is a membership site so you'll need to join (and pay a membership fee I believe.)   YCharts is supposedly pretty good for long-term statistical information and trend graphs for comparing and tracking stocks.


Within the bank or group of banks owned by the same company the account number is unique. What is unique is the bank id number and account number combination. If the bank ID number doesn't match a banking institution, the transaction will not be completed. If you are unlucky and your mistake in writing the bank id number does match a bank, you have to hope the account number doesn't match.  The name's do not have to match. Checks have been deposited with incorrect spelling, nick names vs formal names. Mr. and Mrs ...


You could of course do the same yourself, but it is often tough to keep the discipline, and sometimes it gets really forgotten. Only you can say if you would be disciplined enough... Otherwise, it is a useful help, and it is free, so why not. There are no disadvantages.


>Perhaps you are confusing Costco with Sam's club?  Nope.   And I have no need to correct this problem. Means nothing to me. And I'm not really the type to stick my nose into other people's business. If they need to know, they can ask. In either case, I'm still a loyal customer.   Additionally, it's very hard to find good help where I live. Too many jobs, not enough people. I know how much some of these business struggle to find and keep people.


Everyone knows that employee safety training is very essential nowadays, many company-owners taking the responsibility for people to provide such training. You will need to provide an effective employee safety training service to people in order to increase the yearly profit. Among all health & safety courses one such course is NEBOSH National General Certificate Online course.


Desire to work.? Yep everyone has a desire to earn more money, too many will not even try to. Just a great way to strip away human dignity. You citizens, you mean nothing to the world now shut up & listen to us rich government bureaucrats. You owe us.


"From my limited experience, I understand Dhar to be somewhat as the father of hedge machine-trading-funding (in the loosest sense of the term).   My joke was revolving around the idea of benchmarking performance to beating the market as missing the point...by missing the point of what the nebulous ""data scientist"" does. I don't get paid to make people laugh, as you can see."


"This is a well worn path and not a bad idea.  There are quite a few pitfalls but there are a lot of resources to learn for other people's mistakes. Having a plan and doing your research should help you avoid most of them.  Here is some general advice to help get you started on the right foot.  Know the market you are investing in.  The city should have more than one major employer. The population should be rising and hopefully there are other positive economic indicators.  Check the city's and state's chamber of commerce for useful information.  You do not want to be stuck holding a bunch of upside down property in Detroit.   Accurately calculate expenses.  Set aside money for repairs.  budget 5% of the rent or 100 a month for repairs if no repairs happen that money goes into the repair fund for the future.  Set aside money for capital expenditures if the roof has a 10 years of life left in 10 years you better be ready to replace it same with any major appliances. Your area should have a baseline vacancy rate 5-8% in my area. That says out of a year your property will be vacant for around 6% of the year or 21 days for turnover. You should build that cushion into the budget as well setting aside a portion of the rent to cover that lean period. Some property management will offer ""eviction insurance"" which is basically them enforcing that savings.  Financing maybe difficult a lot of banks like to see 25% down payments on investments. You will also face higher interest rates for investment properties. Banks generally also like to see enough money to cover 6 months worth of expenses in your account for all property.  Some banks will not give financing for investment property to someone without 1-2 years of landlord experience. All in all finding money will be hard when you gets started and your terms may be less than ideal.  (hopefully make around 3 - 5k a year in profit)  If that includes loan pay-down and is not just cash-flow you are probably in the right ballpark.  I can find $100-$200 dollars cash-flow a month on single family home in my area. Once loan pay-down is included your numbers are close.  It sounds like you have a good attitude and a good plan.  A book that I really enjoyed and I think may be useful is ""Start Small, Profit Big in Real Estate"" by Jay DeCima.  I think of it as required reading for do-it-yourself real estate investors. Good luck and happy investing"


I think that Dave Ramsey has a good approach to emergency funds. Save $1,000 that is immediately accessible in an emergency, pay off your debts, then build a 3-6 month fund. Two years is great, but takes a really long time to build up.


My understanding is that to make the $18,000 elective deferral in this case, you need to pay yourself at least $18,000.  There will be some tax on that for social security and Medicare, so you'll actually need to pay yourself a bit more to cover that too. The employer contribution is limited to 25% of your total compensation.  The $18,000 above counts, but if you want to max out on the employer side, you'll need to pay yourself $140,000 salary since 25% of $140,000 is the $35,000 that you want to put into the 401k from the employer side. There are some examples from the IRS here that may help: https://www.irs.gov/retirement-plans/one-participant-401-k-plans I know that you're not a one-participant plan, but some of the examples may help anyway since they are not all specific to one-participant plans.


The dealership is getting a kickback for having you use a particular bank to finance through. The bank assumes you will take the full term of the loan to pay back, and will hopefully be a repeat customer. This tactic isn't new, and although it maybe doesn't make sense to you, the consumer, in the long run it benefits the bank and the dealership. (They wouldn't do it otherwise. These guys have a lot of smart people running #s for them). Be sure to read the specifics of the loan contract. There may be a penalty for paying it off early. Most customers won't be able to pay that much in cash, so the bank makes a deal with the dealership to send clients their way. They will lose money on a small percentage of clients, but make more off of the rest of the clients. If there's no penalty for paying it off early, you may just want to take the financing offer and pay it off ASAP. If you truly can only finance $2500 for 6 mos, and get the full discount, then that might work as well. The bank had to set a minimum for the dealership in order to qualify as a loan that earns the discount. Sounds like that's it. Bonus Info: Here's a screenshot of Kelley Blue Book for that car. Car dealers get me riled up, always have, always will, so I like doing this kind of research for people to make sure they get the right price. Fair price range is $27,578 - $28,551. First time car buyers are a dealers dream come true. Don't let them beat you down!  And here's more specific data about the Florida area relating to recent purchases:


"This reminds me of philosopher John Rawls' ""difference principle"", which states that growing inequality is acceptable as long as the people at the bottom of the income scale are better off than they were before.   Edit: Low income people are surely better off in some ways; notably, they can afford to buy consumer goods that they couldn't before. But it is harder for them to achieve upward social mobility."


"This is the best tl;dr I could make, [original](http://www.smh.com.au/federal-politics/political-news/philip-morris-ordered-to-pay-australia-millions-in-costs-for-plain-packaging-case-20170709-gx7mv5.html) reduced by 85%. (I'm a bot) ***** > Tobacco giant Philip Morris has been ordered to pay the Australian government millions of dollars in legal costs after its failed bid to kill off plain packaging laws.  > Two years later, the court now says Philip Morris must cover Australia&#039;s legal costs, plus an undisclosed percentage of the arbitration costs.  > &quot;It&#039;s good to see that Australia&#039;s world-leading legislation was upheld and that the abuse of process by Philip Morris has now resulted in costs going to the Australian government,&quot; Mr Swan said on Sunday.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6mef7p/philip_morris_ordered_to_pay_australian/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~163662 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*: **cost**^#1 **Australia**^#2 **Court**^#3 **government**^#4 **legal**^#5"


I agree with you here. I've read quite a few Paul Krugman posts actually defending that the FED should be targeting an inflation rate closer to 3% or 4%.  Unfortunately, a lot of people frame inflation as stealing from the poor. I think it's idiotic because inflation hits more people who have a lot of assets, and actually helps the people who have a lot of debt.  That being said, wages would have to grow on pace with inflation, and things have not gone that way in the past couple of decades...


There's no unique way to split the profit, it's about claims and arguments.  I propose the approach based on internal rate of return. Consider we have a project with cash flow -500 at the beginning, -1000 at 3 months and +2300 (1000 profit - 200 fee + 1500 of initial investments) at 1 year. The balance looks as follows (simple compounding): The solution is r = 64% (not bad!). Now, the value of the 1-st investment is 500*(1+0.64)=820 and the value of the second is 1000*(1+0.64*0.75)=1480 (at t=1 year). This gives the shares of 35.65% (820/2300) and 64.35% (1480/2300). Then split the profit according to the shares.


"You make several good points.  I'll start with Black-Scholes; the arbitrage argument in Black-Scholes is between the option and a hypothetical and unobserved portfolio with identical cash flows (the replicating portfolio).  We then value the replicating portfolio via an equilibrium model.  When you use BS, there isn't necessarily *any* observed security whose is guaranteed not imply some arbitrage opportunity, because BS makes no reference to observed prices.  A no-arbitrage modification might look like this: ""I observe the prices (and implied volatilities) of some options, and use the implied volatilities to price another option (maybe with a different strike).  Doing so ensures that there is no arbitrage between my price and the market prices implied by my model.""  Realistically, the problem arbitrage-free models are addressing is that our models and assumptions are wrong, even though they're reasonable approximations a lot of the time.  A no-arbitrage model removes some set of obvious deficiencies, but at the cost of not being able to explain why things are priced as they are.  So, for instance, Vasicek won't reproduce the observed term structure, and Hull-White fixes this, but Hull-White doesn't explain where the term structure comes from (i.e., what the term structure *should* be)."


Yes, I do in fact want someone else's money is always a popular question. The question is, if two wolves and a sheep vote on what's for dinner, why would anyone think that's legitimate? If I came to your home with a couple friends, and we all voted on if your stuff should be our stuff, how is that legitimate?


There's a key assumption made in the calculation of theta: that the future price movement of the underlying is a random walk. The amount of life left in the option times the volatility of the underlying creates a probability distribution of the price of the underlying at expiration. At any given price point, you can calculate the theta of the option. The at-the-money values are the most likely. The way-in-or-way-out-of-the-money values are much less likely. Theta is constructed mathematically to decay linearly over time. So the strikes with the most theta lose the most theta each day. If you are looking for a more intuitive answer, the OTM calls have less theta than the ATM calls because, while they are both 100% time value, the OTM calls cost much less. So it's 100% of a smaller number. Remember decay is linear.


Dollar Cost Averaging would be the likely balanced approach that I'd take. Depending on the size of the sum, I'd likely consider a minimum of 3 and at most 12 points to invest the funds to get them all working. While the sum may be large relative to my net worth, depending on overall scale and risk tolerance I could see doing it in a few rounds of purchasing or I could see taking an entire year to deploy the funds in case of something happening. I'd likely do monthly investments myself though others may go for getting more precise on things.


Oh sure.  That 10,000 negates all the benefits from our laws (this part is huge, considering it protects against copyrights, poor food and water quality, poor product processes, poor treatment of workers), peace keeping, national security, diplomacy, standards of living, disaster response, elections and leadership, and on and on!  This anti-government reductionist attack is so insanely short sighted, I don’t understand how anyone can even imagine it is believable.  Edit:  If you want to see some REAL rent seeks big, just make all our infrastructure privatized.  I doubt the private sector would hestitate even a second before exploiting us for our infrastructure needs.


You really don't have business sense. Or you're not getting it. There's a difference between supporting something that hurts people vs supporting a harmless old tradition that you pay bc the older generation believes in it.   I wish you luck in your business endeavors, but you're not going to be successful if you don't know how to play the game. Don't hurt people or the environment, but learn to be less of a emotionally guided sissy. There are a ton of awards people get just for the feel good sake. Heck even trophies kids get for sports. If there's something you can do that takes the client happy, and it's harmless, go for it.


I can't believe people over 25% underwater even bother paying the mortgage anymore.  By no stretch of the imagination is this a reasonable thing to do, fiscally speaking.  To those of you who would make the moral argument that you made an agreement to pay...    1.  You also made an agreement for what the penalty is if you do not pay.  Either way you're still adhering to the agreement.      2.  It's a bank loan, not a suicide pact.


"This is the best tl;dr I could make, [original](https://qz.com/851066/almost-all-the-10-million-jobs-created-since-2005-are-temporary/) reduced by 61%. (I'm a bot) ***** > Survey research conducted by economists Lawrence Katz of Harvard University and Alan Krueger at Princeton University shows that from 2005 to 2015, the proportion of Americans workers engaged in what they refer to as &quot;Alternative work&quot; jumped from 10.7% to 15.8%. Alternative work is characterized by being temporary or unsteady-such as work as an independent contractor or through a temporary help agency.  > &quot;And over 60% was due to the [the rise] of independent contractors, freelancers and contract company workers.&quot; In other words, nearly all of the 10 million jobs created between 2005 and 2015 were not traditional nine-to-five employment.  > Katz and Krueger found that each of the common types of alternative work increased from 2005 to 2015-with the largest changes in the number of independent contractors and workers provided by contract firms, such as janitors that work full-time at a particular office, but are paid by a janitorial services firm.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/79k7gc/almost_all_the_10_million_jobs_created_since_2005/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~237356 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*: **work**^#1 **Alternative**^#2 **job**^#3 **Krueger**^#4 **full-time**^#5"


Daily > Weekly > Monthly. This statement says that if you use daily returns you will get more noise than if you used weekly or monthly returns. Much of the research performed uses monthly returns, although weekly returns have been used as well. For HFT you would need to detrend the data in order to spot true turning points.


No it's not expensive sets - they are rare and there are tons of cheaper ones. I think technically it's cheaper than historically.  No it's not mine craft - that has been around for years already and they obvs actually make money off it.  I personally think it's saturation - 5 years of double digit growth and it's a durable product - people have already bought a ton of lego and expanding distribution will eventually run out of steam


"Economics is built on the assumption that people make rational decisions based on the desire to increase their economic well-being. While economists have long known that isn't strictly true, Thaler was a pioneer in studying why people sometimes make irrational decisions, and how they can be encouraged to make smarter ones. He's made economics more human,"" said Peter Gärdenfors, a member of the commitee that awarded the prize.""    So how come the business world still ignores him? And treat humans like machines?"


"this is purely psychological.  most people are absolutely terrible at keeping track of their finances.  to the point where they will use multiple separate accounts for different types of spending or savings goals.  when the average person tells the banker they want an account for the money they are saving, they get handed a ""savings account"" and don't bother to question how it is different from a checking account."


"Gnucash is much more designed for accounting than for budgeting. While it does have some simple budgeting features, they're largely based around tracking how much has been spent in the Expense categories/accounts, and seeing how close one is to a limit that's been set. Because the point of Gnucash is accounting, there's not a way to track an expense in two expense categories simultaneously. (You can split a transaction across multiple categories, to have a grocery store purchase of $150 be split across $100 Food and $50 Phone Minutes or whatever. But not have a $150 purchase be tracked as $150 Food and $150 Household expenses, because that's not how double-entry accounting works.) The closest way to do what I think you're looking for is to take advantage of the hierarchical account structure, and repeat subcategories as needed. For example: This would allow you to see Household expenses vs. Vacation expenses, and still see what it got spent on. Reporting on all ""Food"" purchases, if you want to do so, is slightly more tricky as you'd need to select all those ""Food"" categories separately in your report, but it's possible. You speak about wanting to ""track"" expenses multiple ways, so I think that this would allow you to record data sufficient to ""track"" it. But the point of tracking any data is to be able to report on it in some fashion, so if you have more specific reporting requirements, you might want to ask about that as well."


"You're certainly referring to ""Ex Post Facto"" laws, and while the US is constitutionally prohibited from passing criminal laws that are retroactive, the US Supreme Court has upheld many tax laws that apply tax code changes retroactively. You might ask a similar question on Law.SE for a more thorough treatment of the legalities of congress passing those laws, but I will stick to the personal finance portion of the question. What this means is that you can't expect that the current tax laws will be in force in the future, and your investment/retirement plans should be as flexible as possible. You may wish to have some money in both Roth and traditional 401(k) accounts. You might not want to have millions of dollars in Roth accounts, because if congress does act to limit the tax benefits of those accounts, it will probably be targeting the larger balances. If you are valuing tax deductions, you should put slightly more weight on deductions that you can take today than deductions that would apply in the future. If you do find yourself in trouble because of a retroactive change, be sure to consult a tax lawyer that specializes in dealing with the IRS to possibly negotiate a settlement for a lower amount than the full tax bill that results from the changes."


Wow, that was certainly a change in tone for the worse. So much for civil discourse.   >>The multistep law went into effect in April 2015, when the city’s minimum wage became $10 or $11, depending on business size, tips and benefits. Another hike occurred on Jan. 1, 2016. By 2021, the minimum will be $15 per hour for all workers.  Minimum wage in Seattle isn't $15/hr, which is a direct contradiction to the article's headline.  Furthermore:  >>**Much of that success, though, can be attributed to trends separate from the minimum-wage law itself**, such as the growth of Seattle’s tech sector and its construction boom, according to a new report that University of Washington researchers presented to the City Council on Monday.   >>“Seattle’s experience shows that the city’s low-wage workers did relatively well after the minimum wage increased, **but largely because of the strong regional economy,”**   Seattle doesn't need minimum wage, it just needs to keep growing it's economy (which doesn't happen when you arbitrarily shut down successful businesses).


1. ETA's operations are on such a scale that they'd be able to undercut other relevant swiss mechanism manufacturers en scale.   2. I can very well say they've kept costs down and profits high by not having machining in house, because if it weren't the case, they'd have invested in it.


Assets can be acquired in different ways and for different purposes. I will only address common legal ways of acquiring assets. You can trade one asset for another asset. This usually takes place in the form of trading cash or a cash equivalent for an asset. The asset received should be of equal or greater value than the asset given in the eyes of the purchaser in order for the trade to be rational. Take this example: I am selling a bike that has been sitting on my porch for a few months. It's worth about $25 to me. My friend, Andy, comes by and offers $90 for it. I happily accept. Andy valued the bike at $110. This transaction produced value for both parties. I had a value benefit of $65 (90 - 25) and Andy had a value benefit of $20 (110 - 90). You can receive an asset as a gift or an inheritance. Less common, but still frequent. Someone gives you a gift or a family member dies and you receive an asset you did not own previously. You can receive an asset in exchange for a liability. When you take out a loan, you receive an asset (cash) which is financed by a liability (loan payable). In your case: Why would I buy a mall if having assets worth the same amount as the mall? I must value the mall more than the assets I currently have. This may stem from the possibility of greater future returns than I am currently making on my asset, or, if I financed the purchase with a liability, greater future returns than the cost associated with payment on the principal and interest of the liability.


I just fucking wish LTE would get here in St. Louis.  It wasn't in the first set of Sprint cities and now it's not in the second set of 80+ cities either. I switched from my WiMax Epic 4g to this 3g only Galaxy SIII


Hey, this kind of program/career seems to really fit my tastes. I tend to be interested in finances and business, etc., but I'm way too extroverted to be an analyst. Would you mind pming me about how you got to do what you're doing?


Some credit card rewards programs will not give you rewards for balances paid off early. I have a Capitol One Platinum card, and once paid off the full balance; both the full amount due for the recently ended billing period, and the amount that had accrued for the current billing period. I never received any reward points for the additional amount. Though this sounds like it's paying even earlier than you're talking about.


I actually don't mind McDonalds as much as other redditors. However, McDonalds has a few challenges. How many burger joints do you know of? There's tons that have gotten out and popular. Expanding is getting tricky for them.


"One can generalize on Traditional vs Roth flavors of accounts, I suggest Roth for 15% money and going pretax to avoid 25% tax.  If the student loan is much over 4%, it may make sense to put it right after emergency fund.  For emergency fund priority - I'm assuming EF really requires 2 phases, the $2500 broken transmission/root canal bill, and the lose your job, or need a new roof level bills. I'm in favor of doing what let's you sleep well. I'm also quick to point out that if you owe $2500 at 18%, yet have $2500 in your emergency fund, you're really throwing away $450 in interest each year. There's an ongoing debate of ""credit card as emergency fund."" No, I don't claim that your cards should be considered an emergency fund, per se, but I would prioritize knocking off the 18% debt as a high priority. Once that crazy interest debt is gone, fund the ER, and find a balance for savings and the next level ER, the 6-9mo of expenses one. One can choose to fund a Roth IRA, but keep the asset out of retirement calculations. It's simply an emergency account returning tax free interest, and if never used, it eventually is retirement money. A Roth permits withdrawal of deposited funds with no tax or penalty, just tracking it each year. This actually rubs some people the wrong way as it sounds like tapping your retirement account for emergencies. For my purpose, it's a tax free emergency fund. Not retirement, unless and until you are saving so much in the 401(k) you need more tax favored retirement money. I wrote an article some time ago, the Roth Emergency Fund which went into a bit more detail.  Last - keep in mind, this is my opinion. I can intelligently argue my case, but at some point, it's up to the individual to do what feels right. Paying 18% debt off a bit slower, say 4 years instead of 3, in favor of funding the matched 401(k), to me, you run the numbers, watch the 401(k) balance grow by 2X your pretax deposits, and see that in year 3, your retirement account is jump-started and far, far more than your remaining 18% cards. Those who feel the opposite and wish to be debt free first are going to do what they want. And the truth is, if this lets you sleep better at night, I'm in favor of it."


"I work with a lot of C-suite executives from medium sized companies to large $4billion+ sized companies.  I cannot imagine a single one of them ""opening mail"".  Many that I know have an assistant go through their mail, toss or re-route anything that doesn't need the executives attention and then they create a bullet-point summary email that addresses anything the executive needs to know or take action on.  Same goes for most executives I know with regards to their email.  Many of them have a ""public"" email that is filtered by their assistant and a ""direct"" email that is used for internal use that goes direct to their phone/laptop."


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/features/2017-03-23/inside-alabama-s-auto-jobs-boom-cheap-wages-little-training-crushed-limbs) reduced by 97%. (I'm a bot) ***** > Elsea went to work in February 2016 at Ajin USA in Cusseta, Ala., the same South Korean supplier of auto parts for Hyundai and Kia where her sister and stepdad worked.  > The situation is much worse at parts suppliers, where workers earn about 70&cent; for every dollar earned by auto parts workers in Michigan, according to the Bureau of Labor Statistics.  > The agency cited one year, 2010, when workers in Alabama parts plants had a 50 percent higher rate of illness and injury than the U.S. auto parts industry as a whole.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/78khnh/inside_alabamas_auto_jobs_boom_cheap_wages_little/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~234519 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*: **work**^#1 **part**^#2 **plant**^#3 **Safety**^#4 **Elsea**^#5"


They are entitled to a benefit for things for survival, This is not a UBI. If they have enough food to be giving it away, the system isn't working properly.  You think because they're (the abusers of the system) are being a useless member of society that they are entitled to have these benefits, which legally they are, but this should not be a long term solution for millions of people, which it is.  Are we talking about a small amount of people, from what google says its a pretty big issue.   We have a military, start your own rant thread about that if you want to talk about that or better yet, go join the military and fix it from the inside out.


You will not get a vote on any issues of the underlying stock.   The mutual fund owner/manager will do the voting. In 2004, the Securities and Exchange Commission (SEC) required that   fund companies disclose proxy votes, voting guidelines and conflicts   of interest in the voting process. All funds must make these   disclosures to the SEC through an N-PX filing, which must either be   available to shareholders on the fund company's websites or upon   request by telephone. You can also find your fund's N-PX filing on the   SEC website.  -- http://www.investopedia.com/articles/mutualfund/08/acting-in-interest.asp


to find out how, please click the link above and read this post NOW! for sure you will learn a lot from it most especially on how you can get rid of errors in your annual credit report.


Cato is hardly an unbiased source, as they are a libertarian think-tank. They pretend a whole list of other important differences don't exist, and conveniently ignore the fact that Kansas switched to the Texas model and then experienced steep economic slowdown and budget shortfalls. Setting taxes is a process of balancing competing interests. High taxes can absolutely be damaging, but so can taxing too little. Both the libertarian and statist ideologies tend to lead to ruin.


"I didn't downvote but I will disagree wholeheartedly with your 75% decline analogy. That's like a palm reader predicting that someone is going to die. Well no shit, I'm sure someone is, somewhere, at some point. Or an analyst saying a stock will drop because of A, but it actually drops because of B, and you say ""See! I told you it was going to drop!"". All you're doing at that point is throwing something at a wall and hoping it sticks."


"First, when a debt collector says, ""It's to your advantage to give me money now"", I'd take that with a grain of salt. My ex-wife declared bankruptcy and when debt collectors couldn't find her, they somehow tracked me down and told me that I should tell her that it would be to her advantage to pay off this debt before the bankruptcy went through. That was total nonsense of course. The whole point of bankruptcy is to not have to pay the debt. Why would you pay it just before it was wiped off the books? (Now that I think of it, I'm surprised that they didn't tell me that I should pay her debts.) As others have noted, this would be controlled by state law. But in general, when someone dies any debts are payed from the assets of the estate, and then whatever is left goes to the heirs. If nothing is left or the debts exceed the assets, then the heirs get nothing, but they don't have to pay somebody else's debts. I don't see how you could ""put the house under your name"". If he left the house to you in his will, then after any debts are settled in accordance with state law, the house would transfer to you. But you can't just decide to put the house in your name outside of the legal inheritance process. If you could, then people could undermine a will at any time by just deciding to take an asset left to someone else and ""put it in their name"". Or as in this case, people could undermine the rights of creditors by transferring all assets to themselves before debts were paid. Even if there's some provision in your state for changing the name on a deed prior to probate to facilitate getting mortgages and taxes paid or whatever, I would be quite surprised if this allowed you to shelter assets from legitimate creditors. It would be a gaping loophole in inheritance law. Frankly, if your father's debts are more than the value of his assets, including the value of the house, I suspect you will not be able to keep the house. It will be sold to pay off the creditors. I would certainly talk to a lawyer about this as there might be some provision in the law that you can take advantage of. I'll gladly yield on this point to anyone with specific knowledge of New Jersey inheritance law."


Is selling Vested RSU is the same as selling a regular stock? Yes. Your basis (to calculate the gain) is what you've been taxed on when the RSUs vested. Check your payslips/W2 for that period, and the employer should probably have sent you detailed information about that. I'm not a US citizen, my account is in ETrade and my stocks are of a   US company, what pre arrangements I need to take to avoid tax issues? You will pay capital gains taxes on the sale in Israel. Depending on where you were when you earned the stocks and what taxes you paid then - it may open additional issues with the Israeli tax authority. Check with an Israeli tax adviser/accountant.