@ricpconsulting : Are these digital marketing things easy ? I mean I do have a decent knowledge about social media and I know how they work and I have every time in the world. How do I start doing these kind of work? What should I do first ? Where should I go?  Can you help a brother out, if you dont mind ?


I'd like to point you to article ten of the bill of rights:  >The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people.   It seems to me that the Constitution gives the states the right to do whatever they want so long as the Constitution doesn't specifically forbid it. Either concede the point or show me where the Constitution forbids the states from levying a sales tax.


If it's a legitimate cost of doing business, it's as deductible as any other cost of doing business. (Reminder: be careful about the distinctions between employee and contractor; the IRS gets annoyed if you don't handle this correctly.)


and donate the flowers to funerals.  and hospitals.  you are sure to make some connections that will bring you business in the future.  be sure to take pictures of your donated flowers, and post them on social media.  im so sorry for your losses and i hope you recover quickly


And go ahead and break that down again not just by age but by education.  The percent drops significantly if you finish highschool.   Drops again with a 2 year associates degree (and even further with a 2 year occupational associates degree) and, of course, even further with a bachelors degree.


Well $100k is approximately the 80th percentile. So it's doing pretty well.   But perhaps [this website](https://www.washingtonpost.com/graphics/2017/politics/tax-breaks/?utm_term=.4cd4ec597815) will show how much SALT deductions benefit the rich. Just move the dial over to the $1M mark and suddenly your biggest deduction is state and local taxes.


"When you refinance, there is cost (guess: around $2000-$3000) to cover lawyers, paperwork, surveys, deed insurance, etc. etc. etc. Someone has to pay that cost, and in the end it will be you. Even if you get a ""no points no cost"" loan, the cost is going to be hidden in the interest rate. That's the way transactions with knowledgeable companies works: they do business because they benefit (profit) from it. The expectation is that what they need is different from what you need, so that each of you benefits. But, when it's a primarily cash transaction, you can't both end up with more money. So, unless value will be created somewhere else from the process (and don't include the +cash, because that ends up tacked onto the principle), this seems like paying for financial entertainment, and there are better ways to do that."


Why bother with the MFE then? You'd have to spend your own money to get it when any legit PhD program will support you throughout your masters and beyond. If you want to go to academia go straight to a PhD program. If in the end you decide you want to go into the finance industry, very little is lost as they will still hire you.


Take the consolidation loan and pay it off. Don't close the card. Opening a new account will have no bearing on your mortgage a year or two down the road. Keep paying on time -- that will make a big difference! JohnFX's suggestion to open a new card and do a transfer is  a great idea if you have good credit. Just read the fine print -- most cards charge a 3-5% transfer fee and some cards accrue interest if you don't pay within the promotional period.


In addition to the reasons discussed in JoeTaxpayer's answer, consider that  a 401(k) plan is run by an employer (though the details might be delegated to a plan administrator) and it is a headache to have to deal with ex-employees (including retirees) with whom one might have no further relationship once the employment has ceased. Pension plans in addition to 401(k) plans are a rarity these days. Hence, no RMDs need be taken while still employed past age 70.5, but after that, let's keep in touch at least once a year so that we can send you some of the money we are holding for you.


"the financial community hates him because he teaches people who don't have financially-responsible parents how to think properly about money and how it works.  I've read the books and  it's not remotely about ""getting rich quick"".  It's about  showing people the patterns of thinking that seperate the haves from the have nots.  The more snide remarks I see about this guy, especially on financial forums, the more I realize the value of his originals texts."


Your wife doesn't need to file a 2014 tax return because she's a nonresident and she didn't have any U.S. income. Her visa is irrelevant; it only matters what her status was (if she was in the U.S., but she wasn't) and if she had U.S. income. Your child doesn't need to file a tax return because she didn't have any income. There's a certain income threshold below which she doesn't have to file. Children generally never file their own tax returns. I don't know who told you otherwise. You may have to file if you had income (maybe including fellowship income and stuff like that) in the U.S. during the year? Did you? If you didn't then you probably don't need to file a tax return. Also, you said you're nonresident for the year. Are you sure about that? Students are generally nonresident for the first 5 calendar years, and resident thereafter. So if you came in 2009 or before, you would be resident for all of 2014; but if you came in 2010 or after, you would be nonresident for all of 2014. If you were in the first 5 calendar years of being a student, you also need to file Form 8843 regardless of whether you need to file a tax return. Nonresidents generally can't claim dependents. Residents can, however. A dependent will provide you with an exemption (it reduces your taxable income by a certain amount). You can also get the Child Tax Credit if your income is low enough. There is a U.S.-Sweden tax treaty. It has a section covering students. It may exempt some or all of your income from U.S. tax. Most universities provide free international tax programs for their international students and scholars. You should look to see if your school offers this. Don't go to outside tax filing places because those generally don't know anything about how to file for nonresidents.


I found [this.](http://homeguides.sfgate.com/terminate-apartment-rental-lease-due-medical-condition-8142.html)  It looks like you will need to go over the lease and look for any stipulations that allow your brother (or your parents if they cosigned) to break lease. You might want to talk to an attorney. Most leases stipulate a penalty to break lease, such as a month of rent. It seems unusual that they can charge rent until they find a new tenant, but I'm not a lawyer. Leases are an adhesion contract, meaning they are drafted by the landlord and they have most of the negotiating power. This is not inherantly bad, but it does mean that unusually harsh lease terms could be considered unconscionable, rendering the lease void.   I encourage you to reread the lease and contact a lawyer. I know everyone says that, but it's good advice here. It sounds like it would be cheaper than taking this lying down and I haven't heard of many people successfully winning contract law cases pro-say. It can't hurt to get a free consultation.


Maybe it's just me, but if I notice a car 3 times, driving around with STEVE'S PLUMBING on it with a phone number. I'll remember huh, if I ever wanted plumbing, this steve guy seems to get around a lot, he must be good. Especially if I like the design. Remembering the phone number, yeah that's not going to happen, but having it there makes me think he wants my business, which makes me more like to look for him when I need a plumber. If I see him driving around, he must be local. If the email is logical like stevesplumbing@gmail.com, I *might* remember it, but at the end of the day I'm opening the web browser/yellow pages to google the name STEVE'S PLUMBING anyway, so I'll never bother emailing. I prefer phones.  Also my Mum keeps business cards of tradesmen she likes and sticks them on the inside of a cabinet door, along with take out places, ect. So if I ever needed a plumber I would go there. I'm saying advertising to end customers may not be directly effective, but I would still try.


"Sorry but, I have to disagree. The USDA has very strict guidelines around what can and cannot be labeled ""Organic"". There is certainly an obligation to understand what the various labels mean but, I would be very surprised if Walmart or other major organiztions were not compliant. Where a mom & pop grocery store may be able to get away with mislabeling simply because the USDA/FDA may not get around to checking I think we can be pretty certain that Walmart and other Major chains get checked often. For information about what ""Organic"" labels entail look here:  http://www.usda.gov/wps/portal/usda/usdahome?navid=ORGANIC_CERTIFICATIO"


You need to let a lawyer look at it.  Concerns you have include:


They're a quant fund and most of their employees are software engineers and data scientists so it's not exactly shocking that this is what their offices look like.  They're primarily competing for talent with Google, not Goldman Sachs or Bridgewater.


Why not all of them? It was greedy people in general. I have little sympathy for the bankers, subprime borrowers, and house flippers. I really wanted to buy a house in the mid 2000s but came to the conclusion that it was a terrible idea.   A house is a huge investment, and if you're dropping 400k on something, you should probably do some research.


That isn't how it works, and that's definitely not the way it should work for either business or personal taxes. A business is free from taxes only if they have made a net loss over the year. This is **very** different from simply having less cash at the end of the year than at the beginning. A business could have less cash if they bought assets, paid off debt or any number of reasons and still pay taxes. On the other hand, they could end up with *more* cash at the end of the year than they began it with and still be free from taxes, as long as they made a net loss for the year. The cash balance has nothing to do with whether they pay taxes or not.


Also don't just assume that everything that Costco or Sams (we use Costco) sells is cheaper.  Still shop around and look for the best price.    For us it is definitely worth it.


Is it worth saving HSA funds until retirement? Yes Are there pros and cons from a tax perspective?  Mostly pros. This has all of the benefits of an IRA, but if you use it for medical expenses then you get to use the money tax free on the other side. Retirement seems to be the time you are most likely to need money for medical expenses. So why wouldn't you want to start saving tax free to cover those expenses? The cons are similar to other tax advantaged retirement accounts. If you withdraw before retirement time for non-medical purposes, you will pay penalties, but if you withdraw at retirement time, you will pay the same taxes you would pay on an IRA. I should note that I put my money where my mouth is and I max out my contribution to my HSA every year.


His books: The Total Money Makeover - This is a very step by step approach to what he teaches about how to handle money. Financial Peace - This is a more philosophical approach to the same topics.  More idea and less application based. You can catch his radio show online for free - or an hour podcast each day in the itunes store - this is free. You can watch his TV show on Hulu.


Why should they? If investors' don't want nonvoting shares, they shouldn't buy them.  I don't like the big banks, but it's not like they are fleecing little old ladies here. The people with the first rights to the shares tend to be institutions who know what they are getting.


I'm just starting my career (I'm 21) in competitive intelligence/market and market data analysis and was wondering what kind of opportunities it holds for the future. I guess this isn't directly applicable but it does give me some insight. How have you enjoyed your career?


Dude, from my first comment my only argument is that the degree alone doesn't define competence.  I've been consistent and haven't change my mind on anything. I also never agreed that she got the job due to connections: haven't even taken a position on that since I don't know how she got it. You kept imagining meant things I never said.  Ghe sort of HR departments you're describing re nepotism etc are themselves incompetent. Contractors, on the other hand, perfectly fine.


"Journalists are not supposed to have an agenda so obvious as WaPo.  Also, Bezos also has a 600 mill contract w the CIA... who often plants information in WAPO.  If you call that ""Journalism"" you ought to get out more."


"I think the key point that's making the other commenters misunderstand each other here is the concept of ""deductions"". I can only speak for the UK, but that's only a concept that business owners would understand in this country.  For things like child credits or low income tax credits, we don't get paid them at the end of the tax year, but into our bank accounts every couple of weeks all year round. Therefore, we have nothing to ""deduct"". If we work for a company and have business expenses, then the company pays for them. If we make interest on our savings, the bank pays it for us. We make money at our jobs, and the employer works out what taxes and national insurance we owe, based on a tax code that the government works out for us annually (which we can challenge).  To be fair, it's not like we're free from bureaucracy if we want to claim these benefits. There are often lots of forms if you want child benefit or disability allowances, for instance. We just apply as soon as we're eligible, rather than waiting to get a lump sum rebate. So it appears to be a very different system, and neither is inherently better than the other (though I'm personally glad I don't usually have to fill in a big tax return myself, which I only did one year when I was self employed). I'd be interested to know, since Google has let me down, which countries use the American system, and which the British or Czech."


We cannot count on a repeat of Ford's action (especially if it was of necessity, but even if it was altruistic).  How many years -- months? -- before we start to see the impact of automation on the large scale?   Transportation alone is going to be massive, and the transition is no longer among the advancements that are perpetually '15-20 years' out.  It's on a clock now.    Maybe that will be enough to force our hand in redefining elements of our economic system.  However, if not, there will be no Ford-style necessity to raise wages.  Workers will be bent over a barrel, taking literally anything from employers, just so they can feed their families.    No offense to /u/proudoppressor, but he's completely mistaken if he thinks supply side economics has done anything but provided evidence that such a system is a vacuum of wealth.  More people may have jobs in this momentary snapshot, but those jobs are paying far less.  More people are working because it now takes two incomes to keep a family afloat.  And we're about to remove the ability of those people to find work.  Transportation is just one sector due for automation.  Add finance.  Add fast food and other minimum wage work...  I'm not a socialist.  I'm wary of how much power might be consolidated into the hands of a few.  But then I have to ask.... how is that any different than the path we're on now?  We're consolidating wealth and power into an oligarchical class, leaving what scraps for the common joe?    I'm not advocating radical solutions.  I'm asking anyone who reads this to process it.  Look at what it means, and look at creating some kind of foundation for when the bottom falls out.


"This is the best tl;dr I could make, [original](https://newrepublic.com/article/142368/devastating-effects-dental-inequality-america) reduced by 82%. (I'm a bot) ***** > While America&#039;s private dental industry makes it difficult to institute universal care, the option remains the only salve for our country&#039;s dental inequality.  > She describes efforts to expand the use of auxiliary dental professionals in neglected areas of the country, sending dental hygienists or &quot;Dental health aide therapists&quot; to do tooth cleanings and other routine sorts of dental work.  > No doubt non-dentist dental professionals could be more widely employed, but a system in which the well-off see dentists and the poor see dental professionals with lower levels of training would be fundamentally inequitable.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6ejbyh/why_dont_people_just_go_to_the_emergency_room_for/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~133526 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **dental**^#1 **Health**^#2 **care**^#3 **dentist**^#4 **more**^#5"


Ashwagandha is one such herb that helps in the cure of tension and depression, by replacing your body’s vital reserves and helping your body adapt to stress. Apart from this, it helps to strengthen the body's immune system, nervous system, and hormonal system.


"This is the best tl;dr I could make, [original](https://www.theatlantic.com/technology/archive/2017/06/when-exactly-does-amazon-become-a-monopoly/530616/) reduced by 95%. (I'm a bot) ***** > On Friday morning, Amazon announced it was buying Whole Foods Market for more than $13 billion.  > From a straightforward standpoint, the Whole Foods acquisition means that Amazon will now participate in the $700 billion grocery-store business.  > In the near term, the Whole Foods purchase worries some analysts most because it immediately gives Amazon another infrastructural advantage: more than 400 small warehouses, spread out across some of the most affluent neighborhoods in the United States.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6hvpa5/after_the_whole_foods_acquisition_is_amazon_a/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~146826 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*: **Amazon**^#1 **more**^#2 **Market**^#3 **company**^#4 **think**^#5"


"It's a separate conversation but I struggle as a remote worker. I work for an enlightened company and so I am remote 90 percent of the time. I also have no prescribed schedule outside of calendared teleconference meetings. There is no question I am more efficient when engineering or doing technical work at home. And I get paid more than I can spend. My friends are all jealous. But honestly I think a lot about getting a different job, even if it means a paycut. Six years in, I miss working together with people. When the job is stressful there's no one to joke with and no way to get perspective. As a remote worker I feel disconnected and expendable because no one understands what I do or how hard I work. Maybe I'm just burnt out, but I think I'm over it. I never get to go home and turn it off because I essentially live at my workplace. I want my employer to get the fuck out of my house. That said I could never do productive work in an ""open office"". Fuck."


Does anyone have any good resources for starting up learning about savings, finances, etc? I'm 20 years old and want to begin really saving consistently and learning about 401Ks, IRAs, savings accounts, how to grow your money safely and slowly, etc.   I'm mainly looking for a website or application that will help me budget and organize things. A phone app would be nice. And any subreddit where I could learn about these things would be extremely helpful too.


"Your debits and credits are perfect. Now, it comes down to a choice of how you want your accounts organized, financially speaking. In terms of taxes, it's recommended you keep a separate set of books just like a corporation and account for them strictly according to law. It's best not to credit phone expenses since it will no longer show on your net reports.  A better alternative would be ""Phone reimbursement"".  With that, you can not only see if you've been compensated but also how much you're personally managing these expenses by checking the annual ""Phone expense"" account. This is all up to personal preference, but so long as you're properly balancing your accounts, you can introduce any level of resolution you wish.  I prefer total resolution when it comes to financial accounting. Also, it is not good practice to debit away ""Salary"".  The net of this account will be lower and distorted.  An expense reimbursement is not salary anyways, so the proper bookings will follow below. Finally, if GnuCash is calling ""Salary"" an income account, this is unfortunate.  The proper label would be ""revenue"" since ""income"" is a net account of expenses from revenue in the income identity. Entries With this, your books will become clearer: your cash assets will remain as clear as you had organized them, but now your income statement will provide higher resolution."


It's not uncommon to have a small penalty if you pre-pay the mortgage in a short time.  After all, making the loan isn't free for the bank. But as Nathan says, if a bank is planning to try very hard to stop you from giving them money, there is probably a reason. Try to convince your wife: there is nothing inherently wrong with debt.  Like anything, too much can be bad for you, but when debt is deployed wisely -- that is almost always, when it is used to finance a capital asset (an asset that produces value) -- it can be a very good thing.


Sorry, I got even more confused. I assumed IC referred to equity only. At least under English accounting practice it's the norm to refer only to equity investment as capital in that context. The debt is listed as both an asset (cash or whatever asset the cash has been put towards) and a liability, cancelling it out. That being the case, the number would be the same, no?


Yes, you're right, both sides should be considered, however I have a gut feeling that although Amazon has created opportunities for some people to sell on their platform, it has taken far more opportunities away from other people.  Amazon runs $136 **billion** of gross revenue through their system. Those are sales that would have been made somewhere else if not through Amazon. Now a lot of those dollars likely came from other large retailers - Wal-mart, Costco, Home Depot, etc. Let's pretend that they did not though.  Let's say that you want to own a bookstore and you want to earn about $40k per year. Let's say that you can expect a 10% margin. That would mean that you would have to sell $400k worth of goods to make your money.  Amazon runs the equivalent of 340,000 such stores through their site ($136 billion / $400,000). So those are 340,000 opportunities for people to earn $40k per year from a retail store.  Of course it's not that simple, and as I mentioned, a lot of Amazon's sales came from larger stores, but I wanted to map it out that way to illustrate that Amazon very likely takes away far more opportunities than it creates (it had about $13 billion in profits in 2016 - those are profits that didn't go to small business owners).


If you have a family member with sufficient funds to lend, you might consider writing a deed that gives them a percentage of ownership in the property in exchange for a loan, then you could later take a mortgage to pay back that loan and purchase that percentage of the property back. If it was me, I would probably just pay cash and try to get a home equity line of credit for emergency funds once I started working again. All the money I would have paid into a mortgage, and perhaps more--I would invest to rebuild the investment account as quickly as possible.


I worked in hr recruiting software for 6 years,(job applications web sites). While this all sounds heavy handed, our experience was that this was an individual problem not a corporate problem. In other words if you can show the hiring manager they are being racist, and educate them both on the their bias and on the tracking capabilities, people changed their hiring bias or they were fired for cause. Yes big companies wanted the data to prove they were not being racist, but even small companies benefited from having the data. If a company wants to be racist in their hiring I am ok with that company going away.


Getting a Car serviced on timely basis and Emission Test Woodbridge will ensure you're every journey a happy and safe journey every time. One of the important stuffs of car service is to get Oil changed at Woodbridge Oil Change, Also Emission Test of your car will give a health report of your car’s engine, if you find problem in running, driving or proper functioning your car first thing you should take your car at proper service station, once it done next is to get the Emission Test on priority basis. Many Car Owners do not go or avoid Emission Test as they never suspected any problems, but they realize importance and necessity of getting Emission Test done when they meet major breakdowns during journey. This is also important to understand when you should go for Emission Test; If you are already facing obvious problems, go for repair assistance first, this will save your money and time too because without repair your car will not pass the emission test and you will have to spend money by paying fees for Emission Test. Mobil 1 Express of Woodbridge will make your money worth paying by keeping in mid of your car’s need, Team available for car’s best service at Woodbridge Mobil 1 Express is always helpful to their client. Experts in Woodbridge Car Oil Change suggest getting Oil Change at every 5,000 miles for the best performance and if you have not changed it within last 5000 miles you should not go for Emission Test directly before changing Car Oil, with such needful suggestions Team of Mobil 1 Express will take care of your money and your car too this will support in getting pass the Emission Test Result.


The S&P report (aka STARS report) for each company has 10 years of financial data. These reports are available free at several online brokers (like E-Trade) if you have an account with the brokerage.


"It depends on how long you stay and where you earn your income. You can be a US resident for tax purposes even if you are not for immigration purposes. The ""substantive presence test"" probably applies to you: You will be considered a United States resident for tax purposes if you meet the substantial presence test for the calendar year. To meet this test, you must be physically present in the United States (U.S.) on at least: https://www.irs.gov/Individuals/International-Taxpayers/Substantial-Presence-Test There are some exceptions to this test, and tax treaties may also apply.  See IRS Publication 519 for more information."


Ez Access ramps are essential accessories to wheelchairs as well as scooters. We offer lightweight, versatile and compact ramp designs which help you to cross the barriers easily. The EZ access ramps are sophisticated ramps than the modular ramps and therefore, they are being used widely. The ramps are being increasingly used in metropolitan areas.


"Is the mortgage debt too high? The rental property is in a hot RE market, so could be easily sold with significant equity. However, they would prefer to keep it. Given the current income, there is no stress. However in absence of any other liquid [cash/near cash] assets, having everything locked into Mortgage is quite high. Even if real estate builds assets, these are highly illiquid investments. Have debt on such investments is risky; if there are no other investments. Essentially everything looks fine now, but if there is an crisis, unwinding mortgage debt is time consuming and if it forces distress sale, it would wipe out any gains. Can they afford another mortgage, and in what amount? (e.g. they are considering $50K for a small cabin, which could be rented out). I guess they can. But should they? Or diversify into other assets like stocks etc. Other than setting cash aside, what would be some good uses of funds to make sure the money would appreciate and outpace inflation and add a nice bonus to retirement? Mutual Funds / Stocks / bullions / 401K or other such retirement plans. They are currently in mid-30's. If there is ONE key strategy or decision they could make today that would help them retire ""early"" (say, mid-50's), what should it be? This opinion based ... it depends on ""what their lifestyle is"" and what would they want their ""lifestyle"" to be when they retire. They should look at saving enough corpus that would give an year on year yield equivalent to the retirement expenses."


"Let's (again) re-phrase this:  * Before I went to college, I *knew* that ""A"" was the answer. * In college, I discovered that ""B"" was the answer.  If ""A"" was the answer, you would have stuck with it.  Instead, you went with another answer, ""B"".  We can only assume, then, that you were incorrect about ""A""."


> the website has a subscription model that two million people pay into at $12.95 to $34.95 a month, according to the company.  That's at least 300 million a year in revenue, If that's the case why are they selling for such a low valuation?


Yup. I know a lot of people who said they'd vote for Sanders, but then didn't vote Democrat when Clinton won the primary (whether than meant voting third party, voting Trump or not voting at all). It was not some last minute impulse by these people to do this as Clinton seems to be making it out to be, it was a long held belief.


That's true. So instead, they brute force the exchange with buy orders before they know if there's even any demand for the equity. Most of these get cancelled.  If they see someone else placing a large buy order, they let theirs go through and do not cancel. They meet the ask and get the order because they don't care about getting the best deal.   The buy order the HFT sent through is for the entire book. The HFT can then demand the highest price possible. After that, they dump the unsought portion of the book back into the market.  Regulation have cracked down on this practice. However, that just means HFT have decided to build their own exchanges.  The HFT buy order was placed before they even knew there was anyone else looking for the same buy.


"> non-traditional borrowers (read: people who didn't meet the requirements for their traditional loan products)  There's a reason these ""non-traditional borrowers"" don't meet the requirements: They tend to be deadbeats.  The traditional requirements were developed over decades of experience to screen out deadbeats so lenders don't lose money."


"> Some scientists already consider owning an Iphone as being enhanced cyber beings, when is the last time you remembered a phone number for instance. Remembered someone's birthday lately or did FB or your calendar on your pc remind you, this means you are already enhanced!  I've been referring to my computer as ""my offboard brain"" for years now. I keep everything here. The downside is that my memory is absolutely terrible."


De webshop site is ook de perfecte oplossing. Op deze site, het aanbod van kerstpakketten bijna eindeloos. Met meer dan 30 jaar ervaring in kerstpakketten, kerstgeschenken en wijn geschenken is hier, ongeacht het budget, altijd een leuke, culinaire of originele verpakking beschikbaar.


Its strange The U means You figure it out! What should be done is report all U levels when making an announcement! This gives an accurate total story of the state of employment without pandering to the left or right. We should not accept any comments/reports without asking for all levels. How can we form an opinion with tainted/censored/lying info.  Is this no different than saying housing starts are up yet don't get told we have foreclosures and unsold homes still in the market?


What I am saying is that the IRS is not going to shut down Coinbase along with the thousands of busineses and services built around bitcoin and take away $40 billion in wealth from its citizens and financial institutions without massive public and legal blackash.


"How do option market makers actually hedge their positions so that they do not have a price risk? You cannot complete hedge away price risk of a sold call simply by buying the underlying and waiting.  As the price of the underlying decreases, the ""Delta"" (price risk) decreases, so as the underlying decreases, you would gradually sell some of the underlying to reduce your price risk from the underlying to match the price risk of the option. The opposite is true as well - as the price of the underlying increases, you'd buy more of the underlying to maintain a ""delta neutral"" position. If you want to employ this strategy, first you need to fully understand what ""delta"" is and how to calculate it.  Then you can use delta hedging to reduce your price risk."


It is likely the policy of the credit card company.  If you are running a business, you should factor in theft as part of your mark-up/margin.  Every major business accounts for theft within their business practices and accounting.  That way they are covered for instances like yours.    If you have not been accounting for theft, then I'd highly recommend it.  This might be an expensive learning lesson for your family business.  Either implement new procedures such as checking ID with credit cards to match the names, or factor in theft/loss of product into your margins.  Ideally, do both.


I don't use a rule of thumb for this. Instead, I use a budget.  Throwing money into a savings account for the purpose of building a savings account is okay, but I only put money into a savings account that I have a purpose for.  For example, there are bills that come up once a year, such as insurance premiums, property tax, annual subscriptions and memberships, etc. I plan for these in my budget each month, and the money goes into my savings.  I also have an emergency fund, which is used in the event that a large, one-time, unexpected expense comes up that I hadn't planned for. I have a goal for how large I want this fund to be, so I put money in savings until it is built up to the level I want it at.  There are other long range saving goals I have: my next car, vacation, furniture replacement, technology replacement, etc. Each of these gets some money each month, which goes into savings.  I also have retirement savings in the budget, but that doesn't go into the savings account; it gets invested in my retirement account.  My point is that instead of arbitrarily choosing a percentage of your income to put into a savings account, think about the purpose of that money. That will help you determine how much needs to be saved, and it will also help motivate you to do so.


I think overall you are correct. This is going to be a series of smaller improvements that will add up to big gains.  * Stem cells to regrow my lost teeth? Sign me up!   * A cream that renews skin tone? Take my money!   * A caffeine replacement with no crash? More (enhanced) tea, please.   * A vaccine series against cancer? Which arm?   * A candy that *burns* fat? Yum!    Soon I will be the person the 2011 monkeybreath was afraid of. And with better breath, too.


Because of things this article doesn't go to that I've read other places.   1. Britain didn't have elections in Hong Kong for decades at the request of Communist China.    2. Britain started really democratizing Hong Kong before the handover to get some facts on the ground to try and have a better representational system in place for the Chinese handover.    3. Stuff in Hong Kong used to get done under the British.    4. Now with newly empowered representation and politicians who don't necessarily trust the Beijing government, opposition to development and policy issues is happening, and less is getting done in Hong Kong vs. other major mainland cities.


> To those moaning about loss of jobs, is this really a job you want to fight to keep?   You're really underestimating how uneducated and worthless so many people are. While you may find a few good ones out of 100, many of the ones in my area (Los Angeles) can't even count to 10 in their own language and don't speak English


Alternatives like free-market capitalism? I'm not convinced that the Chinese model is superior to any alternatives, especially capitalism. The Western world was built on free-market capitalism and China was left in the dust for decades under the Maoist regime. China's strange mix of communism and capitalism has definitely benefited their economy, but it wasn't the communism part that did it, it was opening their economy that did it. I can't see how the bureaucracy and control of the state has benefited their economy beyond keeping everyone in the dark about the actual solidity of their economy. It seems like government planned expansion and development is just a scheme to pump money into their economy to keep it afloat. I think it's a bubble and it's bound to pop at some point, with potentially catastrophic consequences. I'm not normally some doom-sayer, but the Chinese economy looks like a house of cards from the outside without further critical analysis.


Lack of taxes are a symptom, but not the root cause. It's a vicious cycle where the more money that accumulates in a few people's hands, the more they can use it to manipulate politics and the media in order to get the system further changed to let them take more and more, then use it for influence, etc. This is the inevitable consequence of capitalism, but can be kept in check by a well regulated market and economy. Which it was. Reagen took care of that though.


It has a real use and it's not owned by a single individual or company. I think you're over thinking it. The bottom falling out would require people to stop using it. There are a limited number of Bitcoins in existence and as long as there is demand, the value can be extrapolated.


That 0.625% is the annual interest rate you'll receive.  It is paid out in two, semi-annual payments. That is, every six months you'll receive a check for roughly 0.3125%. https://www.treasurydirect.gov/indiv/products/prod_tnotes_glance.htm


I don't have much to add other than your signature is not required to process a charge.  Signatures are kept on file for validity in the event you dispute a charge.  Your signature isn't held in some magical database with signature recognition software.  If you draw an shark in the signature section of a receipt that won't stop the charge from processing.  In fact, many merchants don't even bother requiring the signature below a certain threshold. There are loads of behind the scenes processing improvements offered by the EMV chip; namely prevention of card number skimming and duplication via encrypted transaction signing.  While requiring a PIN adds an additional layer of security, simply processing via chip dramatically improves the network fraud prevention tools in a manner that is almost completely transparent to the user. To your point, if your wallet is lost and an imposer holds your physical card there is no anti-fraud improvement.  At any rate, you have zero fraud liability in the US.


Look at my answer here, and then calculate again. If you keep on saving and keep on paying off your highest interest rate loan, you'll be 'making' money. Also look at this answer here for saving or paying back. Basically, you should always calculate whether the money you have is better 'spend' in a savings account or as a return payment to your loan. Always tackle the highest interest loan first. My 0,02€


Grantham is far more well known, has a very good record, and he manages over $100B. He has been accused of being a perma bear, and he's not calling a top yet for at least another year. He's one the only managers who had the 2008 crash coming and going - that is he is on record saying to get out well before the crash, and he said to get back in at the march, 2009 lows.   Everyone has biases. Grantham, iirc, got back out after the 2009 rally too soon. That's *his* style.   Regarding 2012, Grantham has mentioned election year rallies many times in the past, and that sure helped with 2012 HARP relief for homeowners. Plus you had the incredibly high equity premium, with very low stock prices.   This Levy fellow seems way too bearish. I feel way more comfortable listening to Grantham or Gary Schilling, who are more reasonable bearish leaning advisors.   > In addition, Grantham backs his prior call that the bull market probably won’t end for a year or two, not before the S&P 500 rallies past the 2,250 level.  http://blogs.marketwatch.com/thetell/2014/07/21/yellen-encourages-fully-fledged-equity-bubble-says-jeremy-grantham/


You should definately have a stop loss in place to manage your risk. For a time frame of 5 to 10 years I would be looking at a trailing stop loss of 20% to 25% off the recent high.  Another type of stop you could use is a volatility stop. Here the more volatile the stock the larger the stop whilst the less volatile the stock the smaller the stop. You could use 3 or 4 x Weekly ATR (Average True Range) to achieve this. The reason you should always use a stop loss is because of what can happen and what did happen in 2008. Some stock markets have yet to fully recover from their peaks at the end of 2007, almost 9 years later. What would you do if you were planning to hold your positions for 5 years and then withdrawal your funds at the end of June 2021 for a particular purpose, and suddenly in February 2021 the market starts to fall. By the time June comes the market has fallen by over 50%, and you don't have enough funds available for the purpose you planned for. Instead if you were using a trailing stop loss you would manage to keep at least 75% of the peak of your portfolio. You could even spend 10 minutes each week to monitor your portfolio for warning signs that a downtrend may be around the corner and adjust your trailing stop to maybe 10% in these situations, protecting 90% of the peak of your portfolio. If the downtrend does not eventuate you can adjust your trailing back to a higher percentage. If you do get stopped out and shortly after the market recovers, then you can always buy back in or look for other stocks and ETFs to replace them. Sure you might lose a bit of profits if this happens, but it should always be part of your investment plan and risk management how you will handle these situation. If you are not using stop losses, risk management and money management you are essentially gambling. If you say I am going to buy these stocks and ETFs hold them for 10 years and then sell them, then you are just hoping to make gains - which is essentially gambling.


It’s fascinating that you think you’re right, but more so that you think you are speaking well know truths. It’s fascinating because there are hundreds of studies done on each of these topics and there’s been no definitive answer. Some studies say it has nothing to do with race, some studies say it has nothing to do with socioeconomic factors, and some say “we don’t know.”  Yet here you are, standing as the racial expert of Reddit spouting what you believe is the truth everyone is ignoring. And perhaps what takes more guts is that you are doing it and pretending to have a wealth of evidence for your belief!  Just save us all the time and admit you’re a racist. Don’t bullshit and pretend to be well read on such complex issues. Just say “I’m a racist and I hate black people” and move on. Don’t insult our intelligence by pretending to be smart.


I think you are asking quite a few questions here;   If you have Rs 10000, its better you get it converted in India before you leave. Most Banks and Exchange houses like Western Union would take Rupees and Give you USD. What do they do with USD, there are other who give them USD and need Rupees. They make a spread in this process.   If you are getting a salary in USD in US, whenever you want to transfer money to India, the Banks or Remittance services like Western Union would take USD from your US Account and Transfter equivalent Money into your Bank Account in India in Rupees. They will tell the exchange rate applicable. Depending on why visa type & the duration you are going, your company should be able to tell you your tax liabilities in the US. Read similar questions here to get a general idea.


I think the biggest issue you'll have is getting a loan larger than the price of the car. The lenders calculate the rate they'll be charging based on the risk of the loan. If you were to default on a car, they can repo your car and recover the approximate value of the collateral. With a loan to essentially purchase securities, they would likely charge much more.


He is still a board member able to receive company perks and exert his influence and keep it in line with his vision although he will be more of a shadowy character and he is still a billionaire, worth 6.7Bn if my memory serves me right...


You cannot do a like-kind (Sec. 1031) exchange for personal property, only for business/investment property. Since you said that you traded in your personal car - no like-kind exchange is possible. Also, since the new car doesn't belong to you - you didn't actually perform any exchange. You sold your old car, but you didn't buy a new one. If Turbo-Tax suggests you to fill the exchange form - you must have entered something wrong to make it think there was an exchange. Check your entries again, specifically - check if you entered that you purchased a new car instead of the old one, since you didn't. See an example of where to start looking here.


Short answer: student loans are loans given to people that are currently enrolled in school and yes, you can use them for personal expenses.  Long answer: be very careful because you can easily be financially ruined if you borrow too much and can't repay it quickly. Once the loans get beyond a certain size relative to your income, you can find it hard to stay ahead of the interest payments let alone actually pay off the principal. These are the facts you need to know:


"The problem is Im not seeing the right answer. Which means I didn't ask the right question. You guys are answering whybits NOT a ponzi scheme. What I should have asked... Is... ""Would this setup work"" and removed all refernces to ponzi scheme..."


When I was 18 in 1983, someone making $3.35 minimum wage full-time also could not afford a 2-bedroom apartment in any state. This is why most young people making minimum wage get roommates or live in some sort of communal housing or just live at home with their parents. If you are in your 40s and still making minimum wage, then there are other problems at play.


For stocks, bonds, ETF funds and so on - Taxed only on realised gain and losses are deductible from the gain and not from company's income. Corporate tax is calculated only after all expenses have been deducted. Not the other way around. Real estate expenses can be deducted because of repairs and maintenance.  In general all expenses related to the operation of the business can be deducted. But you cannot use expenses as willy nilly, as you assume. You cannot deduct your subscription to Playboy as an expense. Doing it is illegal and if caught, the tours to church will increase exponentially. VAT is only paid if you claim VAT on your invoices. Your situation seems quite complicated. I would suggest, get an accountant pronto. There are nuances in your situation, which an accountant only can understand and help.


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I got a credit card as a student with no income, not even a part time job. They called me, I agreed to one thing and they did another and now I have an old credit history. They don't do this anymore. But technically, student loan debt is unsecured?


"I don't mean to be discouraging, but that isn't necessarily always the case. Despite being the larger company, it is possible the other team will have a lower cost, or be more efficient, or depending on how the organizational structure works out may just simply be in a familiar reporting structure that ""trusts"" them more. I think that's why /u/RustbeltRoots suggested it is nearly impossible to tell."


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So, my econ 101 class taught me that a business operating at a point where revenue equals cost is successful. Failing is when costs are too high, and above that is profit.  As a society, we've chose to tax profits, not revenue.  The fact that many of Amazon's vendors (FedEx, ups, companies they buy hardware from, etc) are profitable and paying taxes on profits they wouldn't have without Amazon says something about the overall value they bring to the economy. Also, states collect sales tax on good sold. EU countries collect VAT. And all countries collect capital gains when shares change hands. The fact that there's low turnover in shares isn't really a problem.


Nope, take the match.  I cannot see not taking the match unless you don't have enough money to cover the bills. Every situation is different of course, and if the option is to missing minimum payments or other bills in order to get the match, make your payments.  But in all other circumstances, take the match. My reasoning is, it is hard enough to earn money so take every chance you can.  If you save for retirement in the process, all the better.


"Crickets here, so I'll respond with what I ended up doing. At the end of each month, I download transaction data from each of Stripe and PayPal.  For each, I do the following: So it is just six entries in Wave per month plus a little spreadsheet manipulation to determine revenues and fees.  Takes about 10 minutes to do this. I really dislike Wave's ""automatic"" integration with PayPal.  It creates a lot of entries, and it also doesn't seem reliable so it is easy for transactions to get lost."


Doesn't VIX win on volatility, not market direction? I.e. if the market is steady, or trending up or down predictably, vix should be low, but if it's jumping around in all different directions, vix would be high? Or am I not understanding what it's supposed to model?


I just read the article and I'm not sure if the calculation is flawed. When they look at the single stocks. Do they always reinvest the dividends to the same stock? That would be quite unusual behaviour I think.  An investor who uses the buy and hold strategy  might have a bunch of companies which won't exist anymore in 20 or 30 years e.g. coal plants.  While many stocks are a good investment now. Reinvesting all the dividends for decades is obviously a bad decision for a large portion of the stocks.  Maybe I misunderstood the article. But what do you guys think?


He needs to go see a lawyer to find out what all his options are, and the consequences of any of them. Then he needs to get help extricating himself from this situation, in whatever fashion he chooses: buyout, giveaway, what have you. This situation involves property, which involves money, so definitely get professional advice on this. Otherwise, 20 years from now, he could be hit with a bill for back taxes or what have you, if whatever he does, isn't done correctly and completely. The situation does stink, on ice. Either he's going to be the pissed-off party in this situation, or she is, or they both are...but there's money involved, and property involved, and at least one recalcitrant family member involved. Best case scenario, he writes up the story and sells the plot to Lifetime for a movie-of-the-week. (If I were in this situation, I would donate my half of the property to some charitable group, then have a lawyer send Sis a letter saying that it had been donated. Maybe even pick a charitable group aligned with Sis' interests, so that if Sis does want to try and negotiate with them to buy it out, she's giving the sales money to a group/cause that she believes in. But...then, it would No Longer Be My Problem. But that has consequences of its own, and your boyfriend needs to be aware of all of them, including any tax implications for him, before taking any such step.)


Right, at least you get a better understanding of whatever question you have in general.   The internet is the age of information, yet here some people are still stuck to traditions. Everything you wanted to know is just a search away, but some just might be harder to find.


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"It's really easy to shit on an industry sector that is having challenges without recognizing the opportunities.  Remember a couple years ago when everyone said that fast casual was destroying fast food, and that firms like McDonald's were in the shitter and wouldn't be able to compete?  Look how much of a return Burger King provided, and while McDonald's isn't out of the weeds yet they've been doing better.  QSR are getting hammered on both sides by fast casual / fast food (terms that are becoming increasingly less meaningful as fast food restaurants improve quality and experience and converge towards fast casual) and restaurants.  Competition is putting downward pressure on pricing given that consumers recognize that QSR's offer an inferior service compared to good local or chain restaurants - why go to an Applebees when you can go to your local Gastropub or something?  Look at menu prices.  Going on Applebee's website, they're selling burgers for $12-15.  Since this includes fries, that's pretty much their ARPM.  Add tip and tax and you're talking $20 or more for a meal.  You can get a burrito at Chipotle for $10, or go to a local restaurant and get a burger for probably a similar price with a more personalized experience and feel.  Applebees feels it needs to cut down on pricing because they think they are a restaurant and compete with other restaurants, and that if they have better prices than other restaurants they will succeed.  Perhaps that's true.  In my opinion it's missing the point entirely.  Pricing is an issue, but it's price *in relation to value*, not in its own right.  McDonald's has a great strategy - try to maintain prices while increasing perceived value of service.  A correct approach is two-pronged.  McDonald's started offering more ""crafted"" sandwiches, and invested heavily in McCafe.  They spent enormous amounts of money on revamping their restaurants to update them for the times.  Prices went up a little, but the perceived value for those went up much more.  McDonald's isn't simply a fast food burger joint anymore.  They're a cafe, and a restaurant offering sandwiches that could be classified as fast casual.  They've changed the value proposition while maintaining prices.  What has Applebee's done to improve the restaurant experience?  They've certainly attempted to tackle pricing with menu items like 2 for $20, and probably reducing SKU (though just speculating).  But what's different about the restaurants themselves?  When customers go in, do they feel like they did when they went to an Applebees five years ago?  That's where their mistake lies.  They need to shed underperforming restaurants as they just announced, but they also need to double down and heavily invest in revamping their restaurant experience and image.  Adding ipads isn't part of this strategy.  iPads are a great way for them to increase labor leverage by reducing headcount, but does it add to the customer experience?  Based on my last visit to an Applebees the iPad was clunky to use and the server came over just as often as before, the only difference being that he'd take our order then put the order into the iPad himself.  Lol, what's the point of that?  And given the IQ level of people going into Applebee's, and how stupid so many people are that go into restaurants, how the hell they thought people could operate these things is beyond me.  I don't know what their turnaround plan is, but they're definitely salveageable.  They can be where McDonald's is today in a couple years if they wanted to.  They need to stop trying to compete with restaurants, reduce SKU if possible, reinvest in reinventing their restaurant experience and feel, and improve their image.  What do people want when they go to an Applebees?  Something that is cheaper, yes, but also something that's a known quantity, a good experience and value for price.  Also, sell more booze."


"Pay to play? You mean they pay for beefier data feeds that other firms don't need, sure they do. But everyone can trade on the US exchanges now (NYSE, NASDAQ, BATS, etc) which was not true 20 years ago when NYSE had the specialist monopoly, so yes the markets are more democratic than they've ever been.  Side note, the exchanges do directly profit from increased trading volume because they take a small % of every trade, so I'm not sure what you mean they don't directly profit from it.  Also I get the feeling you don't understand the scope of HFT activity, HFT peak profits were on the order of 7 billion during the highest volume time of the last decade (2005-2010). They are now around 1B. Compared to the trillions of dollars that change hands in the exchange per year, this is chump change, hardly a ""free money faucet"".  Also Katsayuma opened yet another dark pool that caters to high volume clients (your goldmans and merrils). The only difference in IEX is it got a free marketing campaign to entice clients. Seriously, IEX is nothing more than the existing fixed cross dark pools, which btw screws over retail investors more than the lit exchanges like NASDAQ.   Katsayuma got steamrolled in his executions because he couldn't keep up with the time and then hit the lottery jackpot by getting Michael Lewis to paint him as a ""hero"", honestly I'm confounded at how lucky that dude got.  BTW broker dealers get preferential treatment in IEX, meaning they get to cut in front of the line in front of retail investors. Why are you so opinionated about this, did you make a few bad trades on eTrade and need a scapegoat?"


Looked at the luv model quickly. The most likely reason is you calculated a FCF lower than the market. You have FCF decreasing due to shrinking margins over the model period. Your terminal value then has the FCF growing by 2.3% into perpetuity so that doesn't really coincide. I mean, it could but I wouldn't use it. I personally think the shrinking margin assumption going forward is a little much.   For your terminal value calc, don't you want that to be the final model year cash flow times 1 plus the terminal growth rate?    Also, I find it interesting that the risk free rate is the terminal growth rate. Any particular reasoning behind that?  It works now at the 2.3% but probably wouldn't in a different interest rate environment.


What do you mean by professional? Seems like you want to hire people to work and you to manage. This is fine but your costs will rise significantly. Seems like first you need more business to hire more people. Be careful that your market can support a larger buisness. Ive heard of many 2 bay car garage types going bankrupt after moving to a 4-6 bay because they couldnt keep the bays full 100% of the time


"That doesn't make any sense.  Companies bid for these contracts and often the lowest bid wins.  The issue is employee compensation of these rail services and the power of public union that ""represent"" them.  When you have janitors pulling in $270k + benefits with their OT something is wrong."


"I don't disagree with that but my point is that there is a need to be engaged on both fronts: international as well as domestic. CFR President Richard N. Haass argues in his new book ""A World in Disarray"" that it's imperative to our long-term interest that we do both, successfully. That means not just changing allocations but raising more money to get our fiscal house in order as well.   Again, just a different school of thought. I follow it but I get why others don't."


Graphs are nothing but a representation of data. Every time a trade is made, a point is plotted on the graph. After points are plotted, they are joined in order to represent the data in a graphical format.  Think about it this way.  1.) Walmart shuts at 12 AM. 2.)Walmart is selling almonds at $10 a pound.  3.) Walmart says that the price is going to reduce to $9 effective tomorrow. 4.) You are inside the store buying almonds at 11:59 PM.  5.) Till you make your way up to the counter, it is already 12:01 AM, so the store is technically shut. 6.) However, they allow you to purchase the almonds since you were already in there.  7.) You purchase the almonds at $9 since the day has changed. 8.) So you have made a trade and it will reflect as a point on the graph. 9.) When those points are joined, the curves on the graph will be created. 10.) The data source is Walmart's system as it reflects the sale to you. ( In your case the NYSE exchange records this trade made). Buying a stock is just like buying almonds. There has to be a buyer. There has to be a seller. There has to be a price to which both agree. As soon as all these conditions are met, and the trade is made, it is reflected on the graph. The only difference between the graphs from 9 AM-4 PM, and 4 PM-9 AM is the time. The trade has happened regardless and NYSE(Or any other stock exchange) has recorded it! The graph is just made from that data. Cheers.


"> if they believed a doubling of wages would result in greater sales and profitability they would do it in an heartbeat. But it won't.  Who said it would increase their profit?  Just you, in this red herring.  No one is saying that.  Raising employees' wages and benefits would a) create happier employees, many of whom might just work harder and better and b) create *very* good PR for Wal-Mart corporate, making many feel better about shopping there and c) those employees wouldn't have to rely on public welfare, benefiting the rest of us greatly.  This is really about the utter failure of trickle down:  richest company in the world, and why doesn't that trickle down to the employees?  Doing the right thing sometimes means delayed gratification, something ""job creators"" simply don't understand."


“Chase’s tellers do not have the authority to close an account…” That’s a “truthy” bit of bullshit. Yes, a teller themselves do not have the authority to close an account. But if you are the owner of the account and you state to the teller that you would like to withdraw all of your money into a cashier’s check so as to close the account they cannot refuse you. Since they fed you this nonsense, they might play some delaying tactics like calling a manager and having them talk to you tough the window and such. But just stand your ground and state you would like to close the account and withdraw all funds. Now if they were extra slimy and if you were to withdraw all funds but they let the zero balance float for a bit so they could claim a fee on you, bullshit once again. You should take any notice of fees coupled with a dated receipt showing the date you withdrew funds, go to the branch and complain to the manager right away. State clearly you will not pay any fees and you would like written verification that your account is closed. Also—and this goes without saying and is implied above—but be sure to keep copies of all if your receipts and transactions. If they state they want to hold onto something, demand they make a copy. And for your own safety/sanity keep your own backup copies somewhere safe at home. All of that said, I have seen modern consumer bankers really act like a bunch of slimeballs in the past decade or so, but generally this has still been an exception to the rule. The reality is if you do not want to have your money in their bank it’s in their best interest to let go of you as soon as possible; especially if you have a small amount of money such as $1,500 at stake. Remember your rights as a consumer, remember it’s your money and remember—and remind them—that you can report them if they deny you reasonable access to your funds.


"> You're saying I can substitute my 2-week for dailies and wear the dailies for a month?  I've been doing exactly this for ... almost 10 years now.  (I recommend you only wear them for 2-3 weeks.)  > Is there any reputable source that can confirm that dailies are built exactly the same as monthly contacts?  When I first got contacts and was trying to find a make or brand that was comfortable I did some research.  They're all made out of pretty much the exact same kind of super sparse material.  At the time I did my research, there were only four different classes of materials used, and even amongst them they were all very very similar.  And in all cases, contact lenses are 94% water.  If something is made out of 94% water, it almost pretty much doesn't matter what they're made out of.  And you also must remember, doesn't matter if they are 1-day or 2-week lenses, they have to do the exact same thing to light.  They might be a bit thinner or a bit thicker in total, but in the end, physics governs their shape and comfort governs their size.  And it's not the plastic of the ""lens"" that is actually providing the correction, it's the refractive index of water being held in a certain shape by the matrix of the plastic.  The plastic simply ""retains the water in it's matrix and prevents evaporation"".  IMPO, it would be nearly physically impossible to make 1-day lenses that could not be used as 2-week lenses.  You can be damn sure the lens makers have been trying hard to do this.  BUT, because they are ""medical devices"", it's super easy to take a single nearly identical product, make two different named brands, and get regulatory approval for A for 1-day use, and get regulatory approval for B for 2-week use.  (They have to do studies and things to prove they are safe to use... that costs money, but it also gives them a forum for ""official differentiation"".)  Why haven't you heard of it?  Not sure.  Maybe not a critical mass of people in society that use contacts that can create a self propogating word of mouth information wave.  Most people I know can't tolerate them, or find it too hard to put them in.  (I originally had problems putting them in, then found a much better method of doing it. I've gotta put that on youtube someday.)  And a lot of people simply get the laser surgery.  ps: Ask more questions about why ""prescriptions"" for pieces of glass you put on your nose ""expire"", but your glasses themselves don't have a ""throw out by"" date nor do they ""wear out"" in 2 eyars, also then compare it to the racks of reading glasses on sale at book stores and pharmacies that don't ""require a prescription"", and how there exist charitable associations that take your donated ""old glasses"" and ship them to Africa in bulk for use by people who've never had an optometrist appointment in their life.  Also ask yourself about how when Benjamin Franklin invented ""shaped pieces of glass for the nose"", he and millions of others didn't have something nasty befall them by wearing pieces of glass on their nose that wasn't ""prescribed by a doctor"".  Finally note that Optometrists appointments between the ages of 20 and 60 are not covered **at all** by Canadian medicare."


No. You shorted the stock so you are not a shareholder. If you covered your short, again you are not a shareholder as you statement of account must show. You cannot participate in the net settlement fund.


I wish... the Red Robin here and you'll have the waitress, an assistant manager, and a manager all ask you how everything is two or 3 times a meal, often in rapid succession... like literally 1 minute apart. Leave me the fuck alone!!! All I need is the waitress to covertly keep an eye on the level of my drink, and maybe a quick check 2 minutes after delivering the food to make sure everything is as it should be. I don't need to be asked if everything's ok 9 times a meal.


"Pay the Best Buy first.  Most of these ""Do not pay until..."" deals require you to retire the entire debt by the deadline, or they will charge you deferred interest for the entire period. So, if this was a six-month deal, they're going to hit you for an extra $300 in December."


I'd assume they're trying to cut down on logistics costs for their likely biggest market.  When I ordered a laptop from lenovo.com, it came in a shipment straight from Shanghai.  Regardless of deals or speed, that can't be cheap.


Two more esoteric differences, related to the same cause... When you have an outstanding debit balance in a margin the broker may lend out your securities to short sellers.  (They may well be able to lend them out even if there's no debit balance -- check your account agreement and relevant regulations).   You'll never know this (there's no indication in your account of it) unless you ask, and maybe not even then. If the securities pay out dividends while lent out, you don't get the dividends (directly).  The dividends go to the person who bought them from the short-seller.  The short-seller has to pay the dividend amount to his broker who pays them to your broker who pays them to you.  If the dividends that were paid out by the security were qualified dividends (15% max rate) the qualified-ness goes to the person who bought the security from the short-seller.  What you received weren't dividends at all, but a payment-in-lieu of dividends and qualified dividend treatment isn't available for them.   Some (many?  all?) brokers will pay you a gross-up payment to compensate you for the extra tax you had to pay due to your qualified dividends on that security not actually being qualified. A similar thing happens if there's a shareholder vote.  If the stock was lent out on the record date to establish voting eligibility, the person eligible to vote is the person who bought them from the short-seller, not you.  So if for some reason you really want/need to vote in a shareholder vote, call your broker and ask them to journal the shares in question over to the cash side of your account before the record date for determining voting eligibility.


If you're truly ready to pay an extra $1000 every month, and are confident you'll likely always be able to, you should refinance to a 15 year mortgage. 15 year mortgages are typically sold at around a half a point lower interest rates, meaning that instead of your 4.375% APR, you'll get something like 3.875% APR.  That's a lot of money over the course of the mortgage.  You'll end up paying around a thousand a month more - so, exactly what you're thinking of doing - and not only save money from that earlier payment, but also have a lower interest rate.  That 0.5% means something like $25k less over the life of the mortgage.  It's also the difference in about $130 or so a month in your required payment. Now of course you'll be locked into making that larger payment - so the difference between what you're suggesting and this is that you're paying an extra $25k in exchange for the ability to pay it off more slowly (in which case you'd also pay more interest, obviously, but in the best case scenario).  In the 15 year scenario you must make those ~$4000 payments.  In the 30 year scenario you can pay ~$2900 for a while if you lose your job or want to go on vacation or ... whatever. Of course, the reverse is also true: you'll have to make the payments, so you will.  Many people find enforced savings to be a good strategy (myself among them); I have a 15 year mortgage and am happy that I have to make the higher payment, because it means I can't spend that extra money frivolously. So what I'd do if I were you is shop around for a 15 year refi.  It'll cost a few grand, so don't take one unless you can save at least half a point, but if you can, do.


We were close to doing something like this but we ultimately find it cheaper and more profitable to find those who are just looking to sell off their accounts. Within the past five years I believe we have done this six or seven times which benefits us greatly but at the same time more competition comes in, people quit their business and cancel, the business is transferred to a new owner and they cancel, etc etc. We do well, but are always looking for more.


Banks and energy are fundamental requirements for modern civilisation, and there are plenty of both who contribute a great deal to society's well-being, but I do know where you are coming from.  The nature of the system we have is that the largest organisations tend to attract the most ruthless leaders who are prepared to screw over people and the environment in pursuit of their own selfish interest. Sociopaths cunning enough to not get caught out are rewarded and those who prioritise social benefits over the growth of their organisation are out-competed and make themselves less relevant. In theory, that should be kept in check by culture of social responsibility, a strong free press and good government, but those things have been eroding for a long time.  There are mutual funds who seek to invest only in ethical companies. Ethics are subjective, so there's always the possibility that you'd disagree with their choices, or they make errors of judgement, but it's a better option than a fund that only considers returns. You've got a better chance that it is run by people who think ethics are important, so they might not see their clients as muppets to be fleeced (like Goldman Sachs apparently does).  Alternatively, you could invest in a fund that contributes to growing a developing nation's economy, or only invests in renewable energy, or agriculture, or whatever you consider important.


"SELL -10 VERTICAL $IYR 100 AUG 09 32/34 CALL @.80 LMT 1) we are talking about options, these are a derivative product whose price is based on 6 variables. 2) options allow you to create risk out of thin air, and those risks come with shapes, and the only limit is your imagination (and how much your margin/borrowing costs are). Whereas a simple asset like the shares for $IYR only has a linear risk profile. stock goes up, you make money, stock goes down, you lose money, and that risk graph looks linear. a ""vertical"" has a nonlinear risk profile 3) a vertical is a type of ""spread"" that requires holding options that expire at the same time, but at different strike prices. 3b) This particular KIND of vertical is called a bear call spread (BCS). Since you are bearish (this makes money if the stock goes down, or stays in a very specific range) but are using calls which are a bullish options product. 4) -10 means you are selling the vertical. +10 means you are buying the vertical. A ""long"" vertical is initiated by buying an option closer to the money, and selling an option at a higher strike price. This would be +X A ""short"" vertical is initiated by selling an option closer to the money and buying an option at a higher strike price. The quantity would be -X 5) 32/34 stands for the strike prices. so you would be selling 10 call options at the 32 strike price, and buying 10 call options at the 34 strike price, both options expire in August 6) LMT stands for limit order, and $.80 is the limit order price that is desired. OPENING a vertical spread requires knowledge of options as well as how to send orders. MANAGING a vertical requires even more finesse, as you can ""leg-in"" and ""leg-out"" of spreads, without sending the entire order to the exchange floor at once. There is much to learn."


I work at a big corporation and I hear a lot of these phrases constantly by fully capable people. It's not just fluff to sound impressive. It's more slang or idioms than anything. We all know what they mean.


With 10% return over three years, depositing $900 each month, in three years $34,039.30.  Re. downvote. I guess this is too brief and without explanation, but I was rushing.  If you want further explanation of how this is calculated check the link already posted by JoeTaxpayer, and have a look at the formula for continuously compounded return.  Also, try out the numbers in the simplified example below yourself.  E.g.  Addendum mhoran_psprep has pointed out that I didn't read the OP's post closely enough.  With rolling investments the total return will be:  Where n is the month number i.e. 36, 37, etc.


Its Price/Earnings, or P/E, is at (roughly) 96 That means that for EVERY $1 that Amazon makes in profit, people are willing to pay $96 for it. This also means that for every $1 I invest in Amazon, I'll have to wait 96 years until I've collected on that - and that's assuming that 100% of their profit goes out through dividends, something that Amazon doesn't give out. This is either because the stock price is really high, or because its earnings is LOW.  Is this kind of ridiculous P/E common among the US stock (I'm not from the US)? Is there something going on in Amazon? Am I missing something (I'm a little new myself)?  I'm looking at [this graph](http://i.imgur.com/4YpDH.png). Return on Equity (aka RoE) has been going down. This is either because it has added more shareholders equity (equity issuance?), OR it's because net income has been falling. When you compare this to the rising P/E this recent year, something tells me that something is screwed up. People have been valuing Amazon *more and more*, while Amazon has been providing *less and less* to its shareholders!  [Here's more statistics](http://i.imgur.com/kJjPW.png) showing profit margin going down the last year, while the valuation went up (though it has been falling as it maxed at P/E 113).  So, either I've missed something (some awesome news or whatever), or I'm uneducated, or this stock has been overvalued. I'm assuming that it probably was a mix of the first and the last, and that this is just a correction. Correct *me* if I'm wrong.


First off, I'd highly recommend looking at this nytimes rent vs buy calculator. This calculator gives you some great flexibility (for example, estimating what will happen with a 7% return in the stock market, and comparing renting vs buying). Secondly, I have personally gotten a lot out of this wall street journal book. Check it out at the library or buy it and read it cover to cover.  My personal opinion is that buying a house or condo is mostly a lifestyle choice.  Some specific caveats with your situation: A sidenote: One of my friends who bought a condo in chicago is considering moving to a different city and is very much regretting buying a condo, even though he got the $8k housing credit, because renting isn't as easy as it looks (you can do it and do it profitably but you darn well better consider that BEFORE buying a condo)


"> I didn't say she was qualified for the job;   Good! You realized the real story here. Great!  > merely that her undergraduate degree doesn't determine her qualification. Again, reading comprehension, please.  And I said the same!  >> But with my doubts, yes there are few cases of somebody with one background and studies becoming a real expert and leader in a totally different area. It's rare!!!!!  >> For lower level jobs, yes, a music major may become a descent programmer or project manager. I doubt they will become experts and best in the field.  I also said that for a CHIEF Security Officer, and other high level roles, these are serious responsibilities, only real experts with real background should be chosen. No ""diversity"" and ""nice person"" is even a factor here.  As for HR, you probably haven't been long in the corporate world.  HR is all about minimizing costs of employees and weeding out any ""troublesome"" employees that managers don't like.   I want to see the first HR department that will go to defense of a long term loyal and good employee against their managers, also when ""position is eliminated"" or ""reorganizing"". HR reports to management and not to employees.   Don't pay attention to HR's desperate attempts to promote their image among employees.  ... and as a manager with many people reporting to me, I waste so much of my time on HR nonsense pretending that I care about HR views and policies."


One major benefit to being able to buy discounted company stock is that you can sell in-the-money covered calls and potentially make more than you would selling at strike.


I know that you're a recent college graduate who newly entered an MBA program, which means it's not a very good one. I know that you aspire to be in finance which, as a result of your poor choices regarding school, means that you will never be more than a ScottTrade broker.   But as of right now you're just a student lying on the Internet about his portfolio, trying to feel like a finance big shot. I gave you an opportunity to prove you're not full of shit and you blew it, and somehow thought I wouldn't see right through it.


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While IANAL (tax or otherwise), I have always found that keeping original receipts is the only way to go. While anything can, at some level, be forged or faked, a photo is one more step removed from the original.  A mere listing on a web site isn't much proof of anything. Keep your originals for a suggested seven years; while the IRS is trying to audit much faster than that, and any inkling of fraud can be investigated at any time, you should be well and clear with originals kept that long.


Estimated tax payments should be a reasonable estimate of what you owe for that time period. If it seems reasonable to you, it is probably reasonable. Sure, you can adjust for varying-length periods. As long as, in the end, you can and do pay what you owe, and don't underpay the estimated/withholding by enough that you owe a penalty, the IRS isn't all that picky about how the money is actually distributed through the year.


Gigabit internet should be available nationwide and caps should be illegal.  Youtube's bandwidth costs are approximately 0% for webpages. It's all about video. P2P is *fantastic* at sharing video, and if the gateway to that stays on the server-client model, oh well. P2P can reduce the cost of running that server by orders of magnitude.  > It would just offset the costs from the website-owner to the website-user  Yes. Users would pay back the bandwidth they use. Costs would be offset to users - just like you're proposing. Except the technical solution is cheaper, fairer, and simpler than hassling and begging people to send money.


I spent some time comparing banks' interest rates until I realized that it didn't actually matter (to me). The only money I keep in checking and savings accounts is money that I'm going to spend shortly or is part of an emergency fund, and in both those cases convenience of liquidity is far more important than small differences in interest (I want to be able to go to a nearby branch, even if traveling, and pull out large sums of money). The majority of our money goes into investment accounts, where it's earning much more than even the best savings account. Most of your 100k would be much better served in a stock/bonds mix. Are standard taxable investment accounts one of those things you can't open? What about if you opened one in your home country?


"Global banks are without a doubt the new evil empires. They're buying debt for pennies on the dollar, because they know the risk of default/bankruptcy, yet they expect the IMF to do for international debt what W did for student loans. Wasn't Argentina also the country that had a vulture fund ""seize"" one of their naval vessels? Soon banks will have their own standing armies and naval fleets to exact asset forfeiture."


If you had a retirement plan at any time in 2013 you are considered covered by an plan. Are You Covered by an Employer's Retirement Plan? You’re covered by an employer retirement plan for a tax year if your   employer (or your spouse’s employer) has a: Defined contribution plan (profit-sharing, 401(k), stock bonus and money purchase pension plan) and any contributions or forfeitures were   allocated to your account for the plan year ending with or within the   tax year; IRA-based plan (SEP, SARSEP or SIMPLE IRA plan) and you had an amount contributed to your IRA for the plan year that ends with or   within the tax year; or Defined benefit plan (pension plan that pays a retirement benefit spelled out in the plan) and you are eligible to participate for the   plan year ending with or within the tax year. Box 13 on the Form W-2 you receive from your employer should contain a   check in the “Retirement plan” box if you are covered. If you are   still not certain, check with your (or your spouse’s) employer. The limits on the amount you can deduct don’t affect the amount you   can contribute. However, you can never deduct more than you actually   contribute. Additional Resources: Publication 590, Individual Retirement Arrangements (IRAs)


You should talk to a tax professional in your area.  It seems like you should start filing your returns.  In the US there are certain income thresholds that need to be attained before a return is required, though it's often thought of as best practice to file anyway.  Also in the US there are programs designed to encourage delinquent filers to begin filing again, which may include penalty/fee reduction for voluntarily filing.  Somehow I suspect Canada has similar programs. If you stand to inherit a sizable amount of money it seems that you should have a history of tax returns in order to minimize the number of questions that are asked should the money come your way. I'd talk to a tax person before consulting an attorney.  From the tone of your question the Canadian tax authority hasn't initiated anything against you.  You just want to understand the best course of action regarding your tax situation.


Having worked at a financial institution, this is a somewhat simple, two-part solution. 1) The lendor/vendor/financial institution simply turns off the overdraft protection in all its forms. If no funds are available at a pin-presented transaction, the payment is simply declined. No fee, no overdraft, no mess. 2) This sticking point for a recurring transaction, is that merchants such as Netflix, Gold's Gym etc, CHOOSE to allow payments like this, BECAUSE they are assured they are going to get paid by the financial institution. It prevents them from having issues. Only a gift card will not cost you more money than you put in, BUT I know of several institutions, that too many non-payment periods can cause them to cease doing business with you in the future. TL:DR/IMO If you don't want to pay more than you have, gift cards are the way to go. You can re-charge them whenever you choose, and should you run into a problem, simply buy a new card and start over.


"The only thing Google Photos has in common with Picassa is that it stores your photos, but Photos is much more powerful than that. For example, you can search for ""horse"" and it will show you all your pictures of horses. Same with dogs, beaches, whatever.  And Google Assistant is much more capable than Siri.   Have you used either of those products?"


My possible new job requires me to do dfast and ccar among others.  A few questions   1) My background is public accounting and tax. I noted that these jobs requires experience from public firms. My past experience has nothing to do with banking. Any reasons? I have been reading up dfast in the past week and it seems they trust me to pick up fast. Another job ad from another bank indicates the same thing.   2) What type of job this is under? I tried risk analyst but quite a lot of times the results are quite different from what my job is.  3) What is the job outlook? My eventual plan is to a more data analyst role and/or job opportunities in EU. Currently in EA/SEA market.   4) Any programming language should I learn to speed up data extraction? I will be learning either python/r. And will surface 3 do? My current laptop is not working and the repair shop indicates the costs of repairing doesnt worth it.


To explain the capital gains part of the question, non qualified stock options (NSOs) are always treated like earned income and have payroll taxes withheld. It's advantageous for the company to issue these because they can deduct them as expenses just as they do your salary. Articles talking about capital gains would probably be referring to incentive stock options (ISOs) or possibly even restricted stock units (RSUs). If you were granted the option to buy the stock and/or hold it for a period of time, then the stock options could be treated as capital gains, short-term gains if you held them for less than a year, and long-term gains if you held them for more than a year. This payment for your NSOs is exactly like a cash bonus. The withholding follows the same guidelines. You may wish to look at what this will mean for your annual salary and adjust your W-4 withholding up or down as appropriate depending on whether the 25% federal withholding rate is more or less than what you think your final marginal rate will be with this bonus included in your annual salary.


"[When your ""strategy"" is basically firing everyone not willing to ""bend the knee"" and those that defy you, you turn their job into a office nightmare while belittling them publicly, you're gonna find out nobody wants to work for you.](https://www.reddit.com/r/Keep_Track/comments/6klpz8/updated_list_of_resignationsfirings_of_key/)  Edit: words"


My god man, where do you live that is too expensive to live on your own and  7K isn't enough for emergency cash? Anyway, with your age and income I would be more worried about a long-term sustainable lifestyle. In other words, a job that nets you more than $26K/year. Someday you may want to have a wife and kids and that income sure as hell wont pay for their college.   That was life advice, now for financial: I've always been a believer that if someone is not a savvy investor, their priorities before investments should be paying off debt. If you had a lot of capital or knew your way around investment vehicles and applicable returns then I would be telling you something different. But in your case, pay off that car first giving yourself more money to invest in the long-run.


Houtpellets zijn kleine cilindrische rolletjes gemaakt van 100% natuurlijk hout. Bij de persing van de pellets worden geen lijmen of andere chemische producten gebruikt. Het hout is afkomstig is van zaagsel en afval van het verwerken van hout. De energie die nodig is om pellets te maken is een factor 10 lager dan van bijvoorbeeld aardolie Stoken met houtpellets is makkelijk en gezellig.


Buying a used car can be risky. It can be easy to make a mistake that would lead you to buying a lemon. Suddenly, your cost-saving tactic to buy a car is costing you more than you thought. This is why before you put down the money to buy your chosen car, there are a few things you should do.


Most hospitals in the US are non-profits, and for-profits only make up about 20%. It's very hard to run a hospital profitably (especially with the high cost of care in the US), so a lot of these non-profits rely on tax exemptions and private donations in order to operate.


"If you are using software like QuickBooks (or even just using spreadsheets or tracking this without software) use two Equity accounts, something like ""Capital Contributions"" and ""Capital Distributions"" When you write a personal check to the company, the money goes into the company's checking account and also increases the Capital Contribution account in accordance with double-entry accounting practices. When the company has enough retained earnings to pay you back, you use the Capital Distributions equity account and just write yourself a check. You can also make general journal entries every year to zero out or balance your two capital accounts with Retained Earnings, which (I think) is an automatically generated Equity account in QuickBooks. If this sounds too complex, you could also just use a single ""Capital Contributions and Distributions"" equity account for your contributions and distributions."


"Social security and pensions make up a big part of it.  You may want to look at the source of the data.  If a person, has 5K at Vanguard, 5K at Fidelity and 100K at the bank; Fidelity will report on that person as having only 5K.  Vanguard will do the same. The opening pitch of a life insurance salesman sometimes includes the ""100 man story"".  Before retirement age:  26% of people will die, 54% will be broke, 5% will work, 4% will be secure, and 1% will be wealthy.  Then they sell you life insurance which is a horrible product for retirement savings. If you further dig into this subject you will find a great disparity between the mean and median retirement savings.  That is because many Americans have none, and those that do skew the average upward and have no where near mean or average. Its like this with other things in personal finance.  For example those with actual credit card debt have much higher than the average.  As those with none, or even no credit cards skew the average downward.  In my opinion it is like this because of behavior.  If one saved half of the average car payment over their working life in a growth stock mutual fund, they would make it to that 4% category.  If they also had a good salary, kept debt to a minimum, and saved a healthy amount they would make it to that 1% category.  It was a daily choice that was made many years prior to retirement."


"When using a debit card in a ""credit"" way, you don't need to enter your PIN, which protects you from skimmers and similar nastiness. Also, assuming it's a Visa or Mastercard debit card, you now have access to all of the fraud protection and other things that you would get with a credit card. The downside for the merchant is that credit card transaction fees are typically higher than debit card transaction fees. I'm less familiar with using a credit card in a ""debit"" way, so don't have anything to offer on that part of your question."