"Listen the fuck up. I'm about to tell you how to get a job in one of the most competitive industries in the fucking country. I did what I'm about to fucking tell you, and it fucking worked.   I'm a civil engineer by degree. After a year of slaving away and a raise that hardly kept up with inflation, I got fed the fuck up. Here's what I did.  Open up your browser. Chrome is the best, but Netscape will do. Now go to that fucking search engine that owns the rest of them... Bin--- I mean Google. Now search some variation of ""finance firm (insert city)"" or ""private equity (insert city)"". Your goal here is to find the firms or companies around you that you're interested in getting a job with (probably fucking all of them at this point).   Now... You've got all these fucking firms that field applications from little shits like you all fucking day long. People always say it, ""You gotta stand out"".   What better way to peacock their asses than to e-mail the CEO/Managing Director of the bitch. What's that you say? You don't have their e-mail address? Yeah. Yeah you do. Use the website address as the domain of the e-mail and try a generic jdoe@ or john.doe@ or john@ or johnd@ . One of them will work somewhere between 82%-83% of the time.   Now to the content of the e-mail. Don't fucking ask for ""potential employment opportunities"" and don't be a cocky bitch and tell him how qualified you are to get his coffee... Ask him what he does for a living and how you're really interested in what he does (asset management, fixed income, mortgage trading, lean hog trading, PE, VC, angel investing, M&A). The more specific this is, the better.   Now craft an e-mail that basically says this:  Dear Fuckstick (whatever his name is),  I'm a college grad with a degree in something that you give no fucks about. During school, I came to love finance and got an internship at MS. Now, I've been reading books and doing my own DCF modeling training... Maybe learning some coding (make shit up). I don't know what part of finance I want to dive into, but I do know that you're successful as fuck and I wanna suck your dick while I ask you questions becuase you're the smartest mother fucker in the room and I wanna be just like you.  Can I buy you a cup of coffee or lunch and pick your brain apart?  Hugs and handjobs,  Some kid    I did something like this for about 6 months, met with 15 powerful and smart ppl (and very coincidentally found out that there's a ponzi scheme going on in my city)... One of them gave me a job...   Now go out and don't fucking blow it... Unless they specifically ask."


In short (pun intended), the shareholder lending the shares does not believe that the shares will fall, even though the potential investor does. The shareholder believes that the shares will rise. Because the two individuals believe that a different outcome will occur, they are able to make a trade. By using the available data in the market, they have arrived at a particular conclusion of the fair price for the trade, but each individual wants to be on the other side of it. Consider a simpler form of your question: Why would a shareholder agree to sell his/her shares? Why don't they just wait to sell, when the price is higher? After all, that is why the buyer wants to purchase the shares. On review, I realize I've only stated here why the original shareholder wouldn't simply sell and rebuy the share themselves (because they have a different view of the market). As to why they would actually allow the trade to occur - Zak (and other answers) point out that the shares being lent are compensated for by an initial fee on the transaction + the chance for interest during the period that the shares are owed for.


> neighborhoods   it's not neighborhoods, it's areas, big ones.  since I moved, closest WF to me now is 108 miles (and then there are two).  meanwhile, my county and adjacent areas are bigger in sum than that 108-mile place


When it comes to Real Estate, there are 2 school of thoughts:  1. People who swear that it's the one and best way to make lots of money with RE: flipping, fixer upper, leveraging, whatnot  2. People who don't believe people in #1 above.  I belong to #2 with some addendum(s):  * you can make a lot of money in Real Estate by becoming a RE Broker (but it's not for everyone) even better if you own a RE agency employing brokers (but it's not for everyone); it's like collecting tolls on the highway, no matter what, you collect a fee.  * every portfolio should have a portion allocated to Real Estate, either directly or by means of a REIT. Alas most people who own a home are over-allocated in Real Estate  * in some, and very few, parts of the USA one can make a lot of money by buying and managing directly small apartment complex to rent out; these are remote small urban settings, low prices for both buying and renting, but the ratio of price/rent is favorable.  Run your own numbers and see if it's profitable *enough* ***for you***.


"Yes, you can create a PayPal business account without having formalized a business with government filings and whatnot. At its simplest terms, ""having a business"" is simply ""doing business as"" (D/B/A) a trade name.  You can use the address of a Private Mail Box such as those provided at the UPS Store.  Ask any kid with a lemonade stand or a box of Girl Scout cookies - you only need to engage in government formalities like registering an LLC or getting a tax EIN when you cross certain thresholds of activity, and paying for things is generally not it.  Also, some of businesses, for some relationships, will require the business formalities like an EIN, which in turn will require creating a trade name and registering it with the state.  For instance if you set up a traditional credit card merchant account, they'll probably want that."


Have you tried complaining to the Real Estate Institute in your state, and if that doesn't work try taking them to Fair Trading. I know from doing some work for real estates that getting money from them is like getting blood from a stone, but you just need to keep bugging them, talk to the manager or director, and tell them you have been waiting too long for your money, give them a deadline (not more than 3 business days) and tell them if you have not received the money by then you will make a complaint to the Real Estate Institute and take them to Fair Trading. Sometimes you have to go to the person who owns/ runs the business as the workers usually don't care, especially when it is extra work for them and they get no reward for doing it (plus the longer the Real Estate don't pay you the longer they earn interest on your money).


"I hope you're not blaming the banks for the housing price inflation.  It's called supply and demand, and is mostly caused by people, possibly like you, who have unreasonable expectations about the future value of real estate, and thought it would keep rising unrealistically forever.  The bank's ""crime"" was to lend money recklessly, to people who could not really afford it.  The buyer's ""crime"" was to buy a home they could not afford with the expectations that it would go up in price and they could either flip it or refinance.  The real ""criminals"" might be the real estate agents who convinced the buyers they could afford it, and helped them find an avenue to get the money.  There were (are?) a lot of unscrupulous, or simply bad, real estate agents out there. But they, too, were naive enough to think houses would continue to rise.  tl;dr.  We are all to blame.  Calling owners ""slumlords"" and blaming them and the banks for your misfortune will only hurt you and make you forever the victim."


I have an ESPP with E*Trade; you can transfer stock like that via a physical (paper) asset-transfer form. Look for one of those, and if you can't find it, call your brokerage (or email / whatever). You own the shares, so you can generally do what you want with them. Just be very careful about recording all the purchase and transfer information so that you can deal properly with the taxes.


no because the price is still being manipulated by HFT.  HFT are still getting their $$, I'm just saying how much I want to pay. HFT is still likely front-running me, and even if they're not... because of their special access if both I and an HFT system want at $10.00, HFT will ALWAYS get it first.


That is true. You will not be able to reconstruct the value of the index from the data returned with this script.  I initially wrote this script because I wanted data for a lot of stocks and I wanted to perform PCA on the stocks currently included in the index.


I have had it two way now: I got pre-approval from my credit union which just so happened to be one of the bigger vehicle lenders in the metro area.  What I found out was that the dealership (which was one of the bigger ones in the metro area) had a computer system that looked up my deal with the credit union. Basically, I signed some contracts and the CU and the dealership did whatever paperwork they needed to without me. I bought a used car and drove it off of the lot that night, and I didn't ever go back (for anything financial) Both my wife and her sister received blank checks that were valid up to a certain amount.  In the case of my sister in law, she signed the check, the dealership called to confirm funds and she drove off. In the case of my wife, she ended up negotiating a better deal with dealer finance, but I was assured she only had to sign the check, get it verified and drive the car home.


>How will making energy cheaper help?  Cheaper energy is equivalent to a pay raise, only it's also good for business interests.  That (theoretically) can allow more competitive pricing of other products, since businesses aren't trapped by high energy costs forming a price floor.  That part depends on how competitive each individual market is.


"Setting a certain % of income for pension actually depends on person.  ""Always pay yourself first"" This is the quote which I love the most and which I am currently following.  If you are planning to do 8%, then why don't you stretch a little bit more to 10%. I suggest you to do monthly review. If you can stretch more, increase % a little more by challenging yourself. This is rewarding. For pension plan, there is SRS Supplementary Retirement Plan where foreigners can also set aside of their money. This is long term plan and you can enjoy tax relief too. The catch is you can only withdraw the money when you reach certain age. Otherwise, you have to pay tax again (certain %) once you decide to withdraw. Serveral banks in Singapore offers to open this account. I suggest to compare pro and cons. If you are planning to work in Singapore for quite long, you may wish to consider this. Useful links http://www.mof.gov.sg/MOF-For/Individuals/Supplementary-Retirement-Scheme-SRS https://blog.moneysmart.sg/budgeting/is-the-supplementary-retirement-scheme-a-waste-of-your-time-and-money/"


Generally speaking, you'll be able to keep it. Your spending ability may be reduced though. The published eligibility criteria aren't necessarily carved in stone anyway. Some road-warrior types with platinum cards who don't necessarily spend $250k a year will get the card offered to them.


Yes, this happens a lot. And in many cases companies don't even know this is happening. Collateralized Debt Obligations frequently contain pieces of the same financial products, where it is not obvious what the underlying asset is. It gets complicated to explain, but I can make an analogy to a portfolio of stocks you might create. Your portfolio contains companies and those companies also own some of the other companies in your same portfolio. The value of all the companies in your portfolio are very interrelated even though you thought you made diversified investments, under the idea that they can't all do poorly at the exact same time. Except they can, if the value of the company's shares are solely based on the value of other company's shares, but nobody noticed that none of them have an actual robust operations. This was a key factor of the financial disaster around 2008, but this problem was solved with the addition of additional disclaimers that all investors agree to, so they know what they are buying


I doubt they can create enough renewable energy to sustain their current spending and GDP levels. So in my opinion, I see even more unrest in the Middle East as the world transitions away from crude oil based fuels.


Yea, good that you have a list of MDs/VPs. You should reach out to them pretty early on, think like early october. To do so too early would be overzealous, and there's no way you can expect someone to identify with you if you've spent only a few weeks at their school. At least get past their full time senior recruiting season in September before talking to HR or any higher up alumni. Then just go full force and contact as many people as you can. As far as recent grads go, only reach out to those class of 2013 or earlier. 2014s don't have any pull at all.  You could list your CC GPA next to your CC resume line, or you could omit it entirely from the resume. I don't know that it would be much of a net impact either way though, as nobody is really going to look at that GPA number very closely.


"Note that long term you need to plan for possible inflation, so ""a little bit of return""  generally wants to be at least high enough to offset that plus ""a little bit"". Which is why just shoving it in a bank, while extremely safe, isn't usually the best choice.   You need to make some decisions about how you trade off risk versus return, whether you will comfortable riding out a downturn while waiting for recovery, and so on. My standard advice, as someone else who knows how little he knows: It's worth spending a few hundred of those dollars to talk to a real financial planner. (NOT someone who has any interest in selling you particular products, like a broker or agent!) They can help you ask yourself the right questions about comfort and goals and timeframe to pick a strategy which suits your needs. It won't be ""exciting"", but it sounds luke you agree with me that this shouldn't be exciting and ""market rate of return"" (about 8% annually, long term) is generally good enough, with more conservative positions as you approach the point of needing that money."


We're in DotCom Bubble 2. Groupon's release is a great example that despite all the smoke surrounding these technology companies and all the analysts suggesting they're not worth these amounts, people are ready to buy it anyway.  But keep in mind profits are made on these turds whether the price goes up OR down. Savvy investors know these stocks are shit. They'll make huge profits on the inevitable price decline after it goes public. Those are the guys you want managing your retirement funds and nest eggs.  We've been down this path a decade ago and millions of investors choose to ignore it. Let them buy this garbage up. The smart will profit massively off those failures. They were warned before, they're warned now, so fuck 'em when they're wiped out. They earned it.


They could be one step above fast food with just few servers. Red robin had these kiosks on tables but they messed it up by just using it as a pay kiosk and ad center. Allow me to order full menu from there, bring my food and leave me alone until I call someone in the rare case something goes wrong.  They save on employee cost, I get service in a sit down restaurant so both sides should be happy.


"A drop in credit score of 300 is pretty significant, right?  You describe the cause of this as ""unfortunate circumstances"".  Lets say you observe a mother giving a small child a ball to play with in the median of a busy interstate.  Once the inevitable happens, would you also describe that as ""unfortunate circumstances""?  Because really it is the same thing. You overextended yourself and did not consider risk in the decision to borrow money.  This may sound harsh, but you have proven that you cannot handle credit.  So your solution is to borrow more?  That makes no sense. The best thing you can do for your credit score is to reduce, then eliminate all debt."


The evening primrose oil comes from evening primrose. Evening primrose seeds are subjected to cold pressure obtaining oil that stands out for its medicinal and healing properties. This oil is very rich in polyunsaturated essential fatty acids- linoleic acid (70%) and gamma-linolenic acid (10%), both of the series of Omega six acids. These fatty acids of Natural Evening Primrose Oil are important precursors of diverse cellular mediators indispensable for the correct functioning and stability of the membranes of the cells of our organism, the development of the nervous and hormonal system and the regulation of the coagulation processes.


The answer depends on whether the company involved has 'limited liability'. Most, but not all public and listed companies and corporations have this, but not all so it is worth checking and understanding what you are getting involved with.   The expression 'limited liability' means that the owners (shareholders) of a company have a liability up to the amount of the face value of the shares they hold which they have not yet paid for. The difference is usually minor but basically it means that if you buy $10 of shares you have no liability, but if the company gives you $10 of shares, and you pay them (in cash or kind) $5, then you still have a liability of $5. If the company fails, the debtors can come after you for that liability.  An 'unlimited liability' company is a different animal altogether. Lloyds insurance is probably the most famous example. Lloyds worked by putting together consortiums to underwrite risk. If the risk doesn't happen, the consortium keeps the premiums, if it does, they cover the loss. Most of the time they are very profitable but not always. For example, the consortiums which covered asbestos caused the bankruptcies of a great many very wealthy people.


It is believed that Krishna spent his childhood here and a few traces of his childhood which are mentioned in the Granthas are found here.Main places of attraction in Nandgaon.You can also see Nandgaon temple from here.Mathura is situated the venerable village of Nandgaon.


Wait, I know this one!  Because...  1) Cities suck, and people only put up with them for good jobs in the first place, and...  2) Their one redeeming quality is tons of great jobs, and...  3) Millennials don't have the 20+ years of experience needed to get a job anywhere in the US currently, and...  4) It costs a hell of a lot less to live in the middle of nowhere than in Manhattan?   Wait, remind me again why people *ever* decided to live in cities?  \#1 ain't good enough, even for a non-Millennial like me...


Don't discount regulatory issues (the mess that was CableCard, Tru2Way, tuning adapters, and the lack of AllVid) and monopolistic pressure (the cable companies liked receiving $5/box/month and don't want to give any of that income up, combined with fear of becoming the dumb pipe they really are so they applied as much pressure as possible against good regulations).


"I had experience working for a company that manufactures stuff and giving products to the employees. The condition was to stay employed for a year after the gift for the company to cover its cost (I think they imputed the tax), otherwise they'd add the cost to the last paycheck (which they did when I left). But they were straight-forward about it and I signed a paper acknowledging it. However, in your case you didn't get a product (that you could return when leaving if you didn't want to pay), but rather a service. The ""winning"" trip was definitely supposed to be reported as income to you last year. Is it okay for them to treat me differently than the others for tax purposes? Of course not. But it may be that some strings were attached to the winning of the incentive trip (for example, you're required to stay employed for X time for the company to cover the expense). See my example above. Maybe it was buried somewhere in small letters. Can they do this a year after the trip was won and redeemed? As I said - in this case this sounds shady. Since it is a service which you cannot return - you should have been taxed on it when receiving it. Would the IRS want to know about this fuzzy business trip practice? How would I report it?  Here's how you can let them know. Besides now understanding the new level of slime from my former   employer is there anything else I should be worried about? Could they   do something like this every year just to be annoying? No, once they issued the last paycheck - you're done with them. They cannot issue you more paychecks after you're no longer an employee. In most US States, you are supposed to receive the last paycheck on your last day of work, or in very close proximity (matter of weeks at most)."


No he's arguing for a lower US Corporate tax rate specifically on overseas earnings. Because companies are earning overseas and not taking it back to the US because of our double taxation.   He absolutely does not want higher taxes


Become your own boss web business can be easily done with great fortune. The bonus are apparent to running your own kind of business particularly online, however, what you require to attain those bonus might not be so apparent. There’re various elements, however, the 3 most essential elements are mindset, proper training and education and posting yourself as a leader.


"got asked a similar question to this... ""how many tennis balls can fit in an suv?"".  I found these tough, as its hard to calculate the area of spheres on scratch paper (4/3pi r^3). Got any tips?"


#####&#009;  ######&#009;  ####&#009;  [**Las Vegas**](https://en.wikipedia.org/wiki/Las%20Vegas): [](#sfw)   ---  >__Las Vegas__, /lɑːs ˈveɪɡəs/ (locally, also pronounced as /lɑːs ˈvɛɡɨs/) officially the __City of Las Vegas__ and often known as simply __Vegas__, is the most populous city in the [state](https://en.wikipedia.org/wiki/State) of [Nevada](https://en.wikipedia.org/wiki/Nevada) and the [county seat](https://en.wikipedia.org/wiki/County_seat) of [Clark County](https://en.wikipedia.org/wiki/Clark_County,_Nevada).  Las Vegas is an internationally renowned major [resort city](https://en.wikipedia.org/wiki/Resort_town) known primarily for gambling, shopping, fine dining and nightlife and is the leading financial and cultural center for [Southern Nevada](https://en.wikipedia.org/wiki/Southern_Nevada). The city bills itself as [The Entertainment Capital of the World](https://en.wikipedia.org/wiki/The_Entertainment_Capital_of_the_World), and is famous for its mega casino–hotels and associated entertainment. A growing retirement and family city, Las Vegas is the [31st-most populous city](https://en.wikipedia.org/wiki/List_of_United_States_cities_by_population) in the United States, with a population at the [2010 census](https://en.wikipedia.org/wiki/2010_United_States_Census) of 583,756. The 2010 population of the [Las Vegas metropolitan area](https://en.wikipedia.org/wiki/Las_Vegas_metropolitan_area) was 1,951,269.  The city is one of the top three leading destinations in the [United States](https://en.wikipedia.org/wiki/United_States) for conventions, business and meetings.  Today, Las Vegas is one of the top tourist destinations in the world.   >====  >[**Image**](https://i.imgur.com/IcSJT32.jpg) [^(i)](https://commons.wikimedia.org/wiki/File:Downtownlasvegas.JPG)  ---  ^Interesting: [^Las ^Vega's](https://en.wikipedia.org/wiki/Las_Vega%27s) ^| [^Las ^Vegas ^Valley](https://en.wikipedia.org/wiki/Las_Vegas_Valley) ^| [^Las ^Vegas ^\(TV ^series)](https://en.wikipedia.org/wiki/Las_Vegas_\(TV_series\)) ^| [^Las ^Vegas, ^New ^Mexico](https://en.wikipedia.org/wiki/Las_Vegas,_New_Mexico)   ^Parent ^commenter ^can [^toggle ^NSFW](http://www.np.reddit.com/message/compose?to=autowikibot&subject=AutoWikibot NSFW toggle&message=%2Btoggle-nsfw+cjoh65h) ^or[](#or) [^delete](http://www.np.reddit.com/message/compose?to=autowikibot&subject=AutoWikibot Deletion&message=%2Bdelete+cjoh65h)^. ^Will ^also ^delete ^on ^comment ^score ^of ^-1 ^or ^less. ^| [^(FAQs)](http://www.np.reddit.com/r/autowikibot/wiki/index) ^| [^Mods](http://www.np.reddit.com/r/autowikibot/comments/1x013o/for_moderators_switches_commands_and_css/) ^| [^Magic ^Words](http://www.np.reddit.com/r/autowikibot/comments/1ux484/ask_wikibot/)


I imagine that it wouldn't affect consumer debt significantly. Individuals are separate entities from their government like how stockholders are separate entities from a corporation. It would probably make it harder for the country to raise money through bonds. Who wants to purchase bonds from a country that won't pay you back?


We still need coal. Manufacturing should be relatively easy to bring back; we just need to commit to bringing it back. This will also mean higher prices, higher tariffs, and possibly a trade-war.  Consider that Chinese industry grows based only upon on western ideas and technology, which they steal more than any other nation.


"You sound like you're well educated, well spoken, and resourceful, so I'm going to assume that you are somewhere in the neighborhood of top 5% material. That means you can pretty much do anything you want to if you put enough effort into it. There are two types of people in this world: those who run the world and those who live comfortably in it (and, of course, everyone else, but they are irrelevant to the discussion). Who do you want to be? I've been around a lot of wildly successful people, and they have two consistent traits:  connections and freedom. First, everyone always told me that ""it's not what you know, it's who you know"", but I never appreciated it until after college. The world runs on connections.  The more connections you have, and the more successful they are, the more successful you will be. Second, the more freedom you have, the more opportunity you will have to take chances, which is how you become wildly successful. Freedom comes from not being in debt (first) and having money (second). Why do you think Harvard grads are the guys that end up having so much money and power? It's probably because they grew up in a rich family which provided them money (freedom) and a wide social circle of rich people (connections). So you're not rich.  What to do? Well, the easiest way to get into that group is to go to college with them. And that means you need to get into Harvard or another Ivy League. Stanford if you want to be an engineer. College will be where you will make your most intense and long-lasting friendships.  That roommate at Harvard that you went on the crazy four-day road trip with may someday be CEO of a company... and when he needs a CIO, you can be damn sure you'll be at the top of the list if you're qualified. But Harvard costs a lot of money...which means you'll be in debt, a lot, when you get out of college. You'll have lots of rich, important friends(connections), but you'll be deeply in debt (no freedom). Most of these type of people end up becoming consultants at big firms because they pay well.   You'll live a comfortable life and pay off your student loans in five or 10 years.   Then you'll continue to live comfortably,  but at that point you'll be too old to take huge chances and too comfortable to change things (or perhaps you'll have a big mortgage =  no freedom). With a heavy debt load, it's almost impossible to, say, join an early stage startup and really be able to take huge chances.  You can do it, maybe.  Or, as an alternate option, you can do what I did. Go to a cheap state school and graduate with no debt. That puts you on the other side of the fence:  freedom, but no connections.  Then, in order to be successful, you have to figure out how to get connections. Goldman Sachs won't hire you, and everyone you meet is going to automatically assume you're mediocre because of where you went to college. At this point, your only option is to take big chances. Move to New York or San Francisco, offer to work for free as an intern somewhere or something.  It can be done, and it's really not too hard, you just have to have lots of spending restraint because the little money you have has to go a long way. So what are the other options? Well, some people are recommending that you think about not going to college at all. That will certainly save you money and give you a four year head start on whatever you decide to do (freedom), but you'll forever be branded as that guy without a college degree.  Think my second option above but just two or three times worse.   You won't even get that free internship, and you'll be that weird guy at dinner parties who can""t answer the first question ""So, where did you go to college?"".  It doesn't matter if you're self-taught;  life isn't a meritocracy.  If you're very good, you'll end up getting a nice cushy job pushing ones and zeros. A nice cushy golden handcuff job. Well, you could go to community college. They're certainly cheap. You can spend very little money so you'll end up with fairly good freedom.   I might add, though, that community colleges teach trades, and not high-level things like management and complex architecture.   You'll be behind technically, but not as bad as if you didn't go at all. How about connections? Your fellow students will probably lack ambition, money, and connections. They'll be candidates for entry-level wage slave jobs at Fortune 500 companies after they graduate. If they get lucky, they'll work up to middle management. There's no alumni association, and there's certainly no ""DeVry Club"" in downtown Boston. At New York and Silicon Valley dinner parties, having a community college degree is almost as bad as having nothing at all.  Indeed, the entire value of the community college degree will be what you learn, and you'll be learning at the speed and level of your classmates. My advice? If you get into an Ivy League school, go and hope you get some grants to help you out. The debt will suck, but you'll be well positioned for the future. Otherwise, go to a cheap second-tier school where you can get a large scholarship. There are also lots of third-party scholarships that are out there on the Internet you can get. I got a couple from local organizations. Don't work during college. Focus on expanding your network instead; the future value of a minimum wage job while you're trying to go through school is practically zero."


The informational goal about the ratings is an objective opinion about the companies ability to repay the money owed.  Debt rating agencies even provide tables where grades correspond to a range of default probabilities.  The argument I am making is they do not go about their business of giving accurate probabilities of default.


Trading volumes are higher at the end of the day as many traders close their open positions. In the morning however, traders incorporate various factors like performance of worldwide markets overnight, any corporate or government announcements, global macro events, etc.


Offer them $500 with the condition that you will have paid your liability in full and they don't report to the bureau. If they give you grief, hang up on the guy. Be aggressive and assertive -- the collector is going to get chewed out if he can't collect on something this simple. Don't allow them to give you some guilt trip, and don't sweat the deadline.


That may be true but what will happen is that every carrier raises prices. In an oligopoly it will be an opportunity to act as an ensemble. So maybe after a while costs will be driven down but in the short it will probably only raise prices. And also it creates a situation where the a service that was previously accessible to all customers will now only be available to the ones willing to pay whatever the cost of an actual human behind the telephone is.  So in the short run it will only increase telecom costs. Also since having a phone or internet in something you can just opt out of everyone will be more or less forced to accept this practice. Again the oligopoly is where can find the cause.


"Can confirm - when I owned my business I would outsource some of the ""lesser"" work to a guy in the Philippines - he was more than $15/hr.  This was about 5 years ago, I don't remember exact rate, but I think was about $25/hr. And it was worth it.  I had a guy in the US too, who was great and worth every penny, but I couldn't afford him for everything so I used the guy in Philippines for the smaller stuff. I would feel terrible and insulting asking my guy here to work for less. He was worth what he was asking."


När man tänker på skyltar är det lätt att man tänker på hotell, restauranger och större företag som visar upp sig med stora skyltar. Men faktum är att en skylt kan bli minst lika snygg och effektfull hemma. Bor du i hus? Ja då har du alla möjligheter att sätta upp en snygg skylt. http://focusneon.se/


The reason is bc to be profitable they have to keep the majority of their cars rented out at any given moment. What you see on the lot is less than 10% of their fleet. They really do try to keep your class of vehicle reserved, but the logistics get complicated, quickly. They employ drivers who's job is to try to get the right class of vehicle to the right location at the right time. This further complicates things tho because that means one store just lost a vehicle from their fleet, while another gained one. It is very hard to predict at any given moment what a location's fleet will be composed of.   Edit: also, pro tip: don't reserve a convertible. They're going to stick you with whatever convertible they have on the lot (might be shit). But if you reserve a luxury class vehicle, and when you get to the lot you see a nice convertible you want, ask to switch to that. If you don't get your nice convertible you'll at least have a guaranteed nice car.


There can be a good reason if you own shares issued in a different country: For example, if you are in the UK and own US shares and take the dividend payments, you get some check in US dollars that you will have to exchange to UK£, which means you pay fees - mostly these fees are fixed, so you lose a significant percentage of your dividends. By reinvesting and selling shares accumlated over some years, you got one much bigger check and pay only one fee.


The main advantage and disadvantage I can see in a scenario like this are - how savvy and good an investor are you? It's a good way to create below-market average returns if you're not that good at investing and returns way above market average if you are...


"Im not trying to humble brag. I fucking hate it when I see another rich kid acting like they came from slums and worked their way up the ladder or when delusional twats much like yourself believe that you can earn anything with just some ""hard work bruh.""   Let me put this in perspective for you... About every successful silicon valley startup such as Microsoft, Facebook, and Snapchat were founded by kids with very prominent parents.  Also, at this point, whats the fucking difference between someone who inherits their money and someone who practically has a trust fund? Again he is not self made. He's just an extension of his parents achievements..."


yeah, i get that it's not optional. just sucks that nothing has changed substantially since i closed on the loan 11 months ago (same PMI, same HO, essentially the same property taxes) and now i have to pay more. seems like the closing docs could have taken into account timing of those payments so that i primed the pump with enough from the beginning.


$500k a year might be overkill. But you can certainly find TONS of smart people who simply lack the training for the specific skill set MS is looking for. Colleges in the US generally teach someone how to think and how to program, not how to program in a specific language. Colleges in India generally teach how to program in a specific in demand language. Also there are more people in India so you have a better percent chance of finding that specific taught skill set.  Instead of investing in the local person who can do the job but simply needs some additional training, they are constantly looking for the person who can do the job right now, but may lack the general ability to help solve other problems.   Its very short sighted.


In older days the merchants and their merchant banks[or service providers] would take funds in their currency. Say in this case USD. When the charge hits the issuer bank, the merchant and merchant bank gets there USD and were happy. The user would get charged in local currency Shekel in this case. The rate applied by his bank [and card provider, Visa/Master also take a cut] is the standard shelf rate to individuals.   When business growing and banking becoming more sophisticated, lots of Merchant Banks and Merchants have created a new business, if you offer Shekel to all users then you have lots of Shekel that you can convert into USD. So in this model, the Merchant makes some more profit from Fx spread, the Merchant Bank makes good money in Fx. Your Bank [and card network] loose out. You stand to gain because you potentially get a better rate. All this theory is good. But the rates are moving and its quite difficult to find out if the rates offered directly by EI AI would be better than those offered by your bank. I have no experience in this example, but I have tried this with large shops, buy 2 items one charge in GBP and other in local currency around 2-3 times spread over a year. The difference in rate was close to identical, at times better or worse in range of .02%


> TL;DR - I would have added three or more skilled workers to our economy in high school if I did not have to pay them minimum wage. I personally was priced out of hiring people because of it, so I hate it.  Yah, fuck the gubment. I couldn't get a bunch of slave labor on the cheap. I mean fuck if they hann't outlawed slaves I could have a thriving plantation and give all dem fools a place to live.


Its late for summers yeah, but I think SocGen are open now for off-cycle internships - the others will be open soon.  I decided late into my masters that I wanted to do banking, so had to cold call botiques until one caved and is taking me for the summer while I do my thesis, so don't be afraid to cold call.  WSO is also probably your best bet for help you'd actually recieve alot of feedback.


Public/private keys are a method of having a secret that others can verify without being able to duplicate. They are used all over the internet and work really well.  The biggest algorithm is RSA. Google can explain better than I can.  The big issue with these methods are key management. Who makes the key, who knows the key, how do you recover a lost key etc.


To me, the lower tax rate for capital gains is largely due to governments encouraging economic activity. Note that investments usually come from your normal income, which is already taxed. Capital gains tax is essentially punishing people who take the extra effort to put their money into work. If the tax rate is high, it would definitely cause people to rethink about investing, thus slowing the general economy down.


In some cases yes. Remember for every sporting event with winners shirts, there is is an equal number of shirts printed for the opposite team winning that normally end up getting sold to 3rd world countries by the ton.  There is a whole secondary market of selling misprinted or preemptively printed merchandise back to india and China


do you really want another overblown economic crisis that lets billions starve? Throwing money at the problem to temper it is the only solution. What needs to happen while that is being done is aggressive reform and belt tightening - and that's not happening fast enough which may then lead us into a larger full blown crisis. i.e. you may just get your wish.


Obama was seeing growth after a massive recession  while pumping trillions into the market . Trump pushed the market to all time highs . Not saying one is harder than the other , just that the circumstances are vastly different


Bezos describes the Prime business model as a 'flywheel' in which the ecosystem of services sucks in more customers providing economies of scale to suck in more customers still and speed it up. Google it for his more detailed quotes.  When the acquisition was announced, I wondered how it would work out for Amazon unless it went all out on integrating Whole Foods into part of the Amazon Prime experience, rather than leaving it alone. Looks like it is. No wonder the other stocks are terrified.


For filling out the W8-BEN form, please refer to the instructions in the document named: Instructions for Form W-8BEN  Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding and Reporting


Yes, but that wasnt the real issue. Lehman brothers didnt bring the recession, they were just a symptom of it. The real issue was the commodization of private loans provided by banks which weren't properly vetted or secured and were sold as AAA investments. So when a run on those investments occured, their value plummeted leaving many investment institutions with a gaping hole in their accounts that quickly grew in scope.


Economics is the study of the distribution of goods and services, it is not theology, the study of devinity and the after life, perfect worlds where evil is punished and good is satiated with boundless plenty.  Capitalism is imperfect because humans are imperfect. The best you can do in an imperfect world is reward people for contributing. The worst you can do is hand out free brownie points based on how closely you align with one interest groups arbitrary definition of need.  But then again, I can say this to you until I'm blue in the face. You are stubbornly attached to a false moralistic approach to goods distribution.


Depends on how urgent your need for the emergency savings might be. If the money market account allows you to get your money in the same amount of time as the savings account then there is no real downside, but if the account takes a few days for you to access and you need your money sooner then you probably shouldn't. Also money market accounts DO give more interest than most savings accounts, but the interest rates are generally still pretty low, so it might be an improvement, but probably not a huge one


"What if everyone decided to sell all the shares at a given moment, let's say when the stock is trading at $40? I imagine supply would outweigh demand and the stock would fall. Yes this is the case. Every large ""Sell"" order results in price going down and every large ""Buy"" order results in price going up. Hence typically when large orders are being executed, they are first negotiated outside for a price and then sold at the exchange. I am not talking about Ownership change event. If a company wants a change in ownership, the buyer would be ready to pay a premium over the market price to get controlling stake."


Generally speaking, buying a fancy new car out of college is dumb. Buying a 3 year old flashy car with a 60 month loan is going to eat up your income, and when the thing starts breaking down, you'll get sick of buying $900 mufflers and $1,000 taillights pretty quickly. Buy a car that nobody wants for cheap and save up some money. Then buy yourself your dream car. Edit based on question update. You're posting to a Q&A site about money, and you're asking if spending over $30k (don't forget taxes) on a luxury car when you're making $60k is a good idea. You have car fever, and you're trying to sell this transaction as a good deal from a financial POV. At the end of the day, there is no scenario where buying an expensive car is a good financial transaction.  For example, since you're planning on driving too many miles for a lease to make sense, the certified pre-owned warranty is a non-factor, because you'll have no warranty when the car breaks down in 4 years. The only reason CPO programs exist is to boost residual values to make leases more attractive -- luxury car makers are in the car leasing (as opposed to selling) business.


I will start with the assumption that you will never have any late payments and will fully pay off the loan. This may be a big assumption, but if you can't assume that, then you wouldn't have asked the question in the first place. The answer depends on your income: You should calculate how much student loan interest you can deduct before and after the switch, and adjust the interest rate accordingly to compensate for any difference.


The most important filings are: Form 10-K, which is the annual report required by the U.S. Securities and Exchange Commission (SEC) and Form 10-Q, for the interim quarters.


"My thought is it is a ""safe bet"" as far as stocks go. Amazon is going to be around for a long time and is very innovative. I am willing to bet most people purchase the stock on that fact alone. Not its P/E and ROE."


401K accounts, both regular and Roth, generally have loans available. There are maximum amounts that are based on federal limits, and your balance in the program. These rules also determine the amount of time you have to repay the loan, and what happens if you quit or are fired while the loan is outstanding. In these loan programs the loan comes from your 401K funds. Regarding matching funds. This plan is not atypical. Some match right away, some make you wait. Some put in X percent regardless of what you contribute. Some make you opt out, others make you opt in. Some will direct their automatic amounts to a specific fund, unless you tell them otherwise.  The big plus for the fund you describe is the immediate vesting. Some companies will match your investments but then only partially vest the funds. They don't want to put a bunch of matching funds into your account, and then have you leave.  So they say that if you leave before 5 years is up, they will not let you keep all the funds. If you leave after 2 years you keep 25%, if you leave after 3 years you keep 50%... The fact they immediately vest is a very generous plan.


Technically, yes, you can do this. It's a form of arbitrage: you're taking advantage of a small price difference between two markets. But is it worth the hassle of keeping on top of the overdraft and making sure you don't incur any accidental penalties or fees? Interest rates are super low, and floating £1000 or £2000, you're only going to generate £10-20 per year in a basic savings account.


Certified Internetwork Expert (CCIE) SVP training is gaining huge popularity among the young professionals who want to make it big in the internet world. Cisco products are highly sophisticated products that are used in internet related areas such as routers, gateways, switches and so on.


No. There are no short cuts to pretend you know something even though you never used it.  It's like saying you are truck driver by reading a book on how to drive trucks.  Find an entry level job in accounting/finance, and hopefully it will be using SAP. Even better: take training about how to use SAP for finance, in a school that uses SAP for hands-on training. I doubt it's easy to find such training.


"Budgeting is a tool for planning, not for execution. It sounds like you don't have a problem BUDGETING (planning what to spend on what things) but rather with the execution of your plan. That is - living frugally. This is primarily an issue of self control and personal psychology - not an issue with the mechanics of budgeting and finance, which explains why the most popular personal finance ""gurus"" (Dave Ramsey, Suze Ormond) deal as much with your relationship to money and spending as they do with financial knowledge. There is no easy answer here, but you can learn to spend less. One helpful thought is to realize that whatever your current income is, someone in your community is currently making less than that and surviving. What would you do differently if your real, actual income was $100 or $200 less than it is currently. If your food budget is a concern, learn to cook cheaply. (Often, this is more healthy.) You mentioned schooling, so I assume you are on or near a college campus. Many colleges have all sorts of free-food opportunities. (I used to eat free vegetarian meals weekly at a Hare Krsna temple. Price of admission: listening to the monk read from the Bhagavad Gita.) Fast food is, of course, a complete no-no on low-budget living. It probably goes without saying, but just in case you haven't: cancel cable, get a cheap phone plan (Ting is excellent if available in your area), and otherwise see how you can squeeze a few dollars out of your bills. On the subject of frugality, I have found no book more enlightening than: Money Secrets of the Amish: Finding True Abundance in Simplicity, Sharing, and Saving"


I can't understand online wine sales.  The market for wine clubs are so saturated.  A lot of liquor stores put on wine tasting since wine has the highest markup next to beer and booze.  Taste it, buy it.  Not see it online, buy it.


"This may vary some by the state, but the general facts are consistent broadly. The elements of check fraud typically are: This means that not only do you have to have presented a check that is returned for insufficient funds, but you must have known at the time that it wouldn't be honored.   It must typically also be given for present consideration, which is why the comments to the other answer correctly note that the post-dated check ""scam"" cooked up by the payday loan folks shouldn't generally be relevant under these laws; on the same site, they note the cases that are clearly not present consideration: So if I give you a check for $50 and it's returned for NSF because I screwed up my bank accounts and had all my money in savings, that's probably not fraud.  But if I decide I really want a Tesla X and give Tesla Motors a check for $95,000, knowing I don't have $95,000, that's fraud. How the prosecutor proves knowledge is probably beyond the scope of Personal Finance and Money Stack Exchange, though I imagine it tends to commonly be done so by showing the person doesn't normally have that much money in their account."


Yeah those are similar numbers to the largest cities in the US.  You can buy a house in or near a mid-sized US city for 100K but it would be a very basic house in good not great neighborhood.  After the downturn, I bought 2 houses as investments.  One I bought for 31,000 USD and after renovations I had 85,000 in it.  Sold it for 115,000.  The other I bought for  $91,000.  I still have that one.  It rents for $1200/mo and is currently worth maybe $140,000 (3 Bedrooms, 1 full bath, 1 half bath, 1400 sq ft).  It is a very safe area but Cincinnati city schools.  FYI Cincinnati has a STEM academy that is one of the top public schools in the country but you have to test into that specific school.    Those prices just blow me away.  I make a very good living plus the investment income and I don't think I could even sort of make the payment on 1.4 million for a shack.  Everyone can't be a trust fund baby or a Google millionaire.  FYI(2) I joined a Bay Area internet startup back in the day and in the end it got bought up by an ERP company.  My stock that I hoped to make millions on got me a $45,000 payday (so a lot better than nothing but in no way buying me a house in the Bay Area)


Do you need it? It doesn't sound like it - you seem to be able to manage with just the cards you have.  Will it hurt anything? Probably not either, unless it entices you to spend more than you make.  Another downside might be that you would spend more than you normally would just to have activity on every card. So all in all, I don't see much upside.


There are a few ways to make money from a market correction:


A majority of people in whichever country they reside, use the internet and make payment online. Using online services is indeed another technological advancement that allows you to complete your payments sitting at home at any time round the clock.


Have you made the effort to even look?    Don't take the argument that because the average american spends little of their money on chinese goods its ok.  From your already linked and cited article.  What is an average american?  What about the 50% that are above average?  Spending, in fact is not the issue.  Jobs are.  Off-shoring is talking a toll on american manufacturing.  Then there are the white collar IT jobs.  Free trade agreements created jobs.  Where they equal to the jobs that moved out because of NAFTA?  No.


An edge meaning the person would be smarter in the subject they enjoy so they can excel in a specific job for the detail that they excel in. Software Engineers are a good example. Someone with a normal intelligence level would fall on their face in the real world. A normal person can learn how to code, but being able to think outside the box in the right ways is what makes a software engineer special. Only people who are gifted+ can really excel and a high majority love it so much it borders autism.  And the thing most people don't understand about autism is for most it is only in children. After a certain age they appear normal. They are not the disabled or have a disability, just that they specialize in something far more than the average person does.


"I'm assuming that when you say ""convert to S-Corp tax treatment"" you're not talking about actually changing your LLC to a Corporation. There are two distinct pieces of the puzzle here. First, there's your organizational form. Your state, which is where the business is legally formed and recognized, creates the LLC or Corporation. ""S-Corp"" doesn't come into play here: your company is either an LLC or a Corporation. (There are a handful of other organizational types your state might have, e.g. PLLC, Limited Partnership, etc.; none of these are immediately relevant to this discussion). Second, there's the tax treatment you receive by the IRS. If your company was created by the state as an LLC, note that the IRS doesn't recognize LLCs as a distinct organizational type: you elect to be taxed as an individual (for single member LLCs), a partnership (for multiple member LLCs), or as a corporation. The former two elections are ""pass through"" -- there's no additional level of taxation on corporate profits, everything just passes through to the owners. The latter election introduces a tax on corporate profits. When you elect pass-through treatment, a single-member LLC files on Schedule C; a multiple-member LLC will prepare a form K-1 which you will include on your 1040. If your company was created by the state as a Corporation (not an LLC), you could still elect pass-through taxation if your company qualifies under the rules in Subchapter S (i.e. ""an S-Corp""). States do not recognize ""S-Corp"" as part of the organizational process -- that's just a tax distinction used by the IRS (and possibly your state's tax authorities). In your case, if you are a single-member LLC (and assuming there are no other reasons to organize as a corporation), talking about ""S-Corp tax treatment"" doesn't make any sense. You'll just file your schedule C; in my experience it's fairly simple. (Note that this is based on my experience of single- and multiple-member LLCs in just two states. Your state may have different rules that affect state-level taxation; and the rules may change from year to year. I've found that hiring a good CPA to prepare the forms saves a good bit of stress and time that can be better applied to the business.)"


A foreign stock mutual fund definitely belongs in stocks. It's composed of stocks.  Your self occupied house is definitely real estate. You don have to keep in mind,however that selling it would create costs such as rent. I wouldn't leave it out, if doing that would cause you to buy more real estate. This would cause you to be overweighted in the real estate area.  I would tend to think if a CD as cash. While it could be considered a bond, as you said the principal doesn't go down.  The REIT is the toughest one. I would really like to see a graph showing how correlated it is to the real estate market. That would determine where I would put it.


I just imagine some MBA with a fancy spreadsheet showing how profitable it would be to put Windows RT on the Surface. The results were Surface tablets that Microsoft had trouble getting rid of even when they were taking a huge loss on each one.


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"This is the best tl;dr I could make, [original](http://en.econreporter.com/en/2017/07/macroeconomic-earthquake-larry-christiano-thinks-post-2008-macroeconomics/) reduced by 97%. (I'm a bot) ***** > We&#039;ve asked Prof Christiano does he agree that modern macroeconomic models are too complicated for the general public, or even policymakers and if he agrees that economic models should be &quot;Simpler&quot;.  > Among them, the DSGE would be used for explorations and discussion of the distortions; policy models should be based on another type of structural econometric models; and, for the communications with the public, we should use certain toy models like three-equations models, etc.  > How do you avoid this in the future? Keep your eyes open! But it is not the matter of don&#039;t work with DSGE models.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6peumw/a_macroeconomic_earthquake_how_larry_christiano/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~174975 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*: **model**^#1 **think**^#2 **bank**^#3 **very**^#4 **system**^#5"


Since you are leaving the country, get it sold by a real estate agent.  If you choose to lower the price and get it done quickly, or if you choose to wait for a fair value, the key here is to get many independent referrals (like a dozen) so you agent is trustworthy. I don't think you need to sign over power of attorney as fax machines are pretty reliable these days.  I won't matter if you live 50 miles or 5000 miles away. Renting it is not a great option because you can't easily follow up from another country.   Don't sell it to the rock bottom places.  Either you don't need the money and you can afford to you wait, or you need the money and it would be best to wait.


There is no Roth 401(k) match. Or to be clear, when an employee deposits to a Roth 401(k), the company match goes into the traditional, pre-tax 401(k) account.  That money is subject to both tax and 10% penalty on early withdrawal.


"This is an unrelated subreddit, so I want to avoid starting unwanted discussion out of common courtesy. I am merely trying to reach out. But a joke among firearms enthusiasts goes thusly:  > *Guy: ""Look, not only are you losing the arguments on home defense and hunting, but even if you weren't, the Second Amendment isn't about those things, it's about the ability to rebel against tyranny.""*  > *Narrator: ""That's paranoid and insane. A government will never become tyrannical!""*  > *Guy: ""What do you think of Donald Trump.""*  > *Narrator: ""He's literally Hitler. He wants to put Muslims and Women in FEMA camps.""*  Also just a friendly tip, publicly advocating for violent overthrow is a prohibiting offense. You can never purchase a firearm from the closest thing we have to ""militia"" stock. Please consider what you have just posted to social media. *(Also consider these have been continually expanded to include ""feel good"" restrictions. [Such as calling someone the wrong gender pronoun. (1)](http://sacramento.cbslocal.com/2017/06/05/hate-crime-guns-california/) [(2)](http://www.foxnews.com/politics/2017/10/09/new-california-law-allows-jail-time-for-using-wrong-gender-pronoun-sponsor-denies-that-would-happen.html))*  > *K. will not be in violation, by reason of my receipt or possession of a rifle, of any state law or published ordinance applicable where I reside;*  > *L. have not been convicted of any federal or state felony or violation 18 U.S.C. §922, and am not a member of any organization that advocates the violent overthrow of the United states government.*  Sorry for the threadjack. I just wanted to point out certain groups have thrown away the ability to ""#Resist"", in the morbid hypothetical you point out."


Your definition of 'outside your country' might need some redefinition, as there are three different things going on here . . . Your financial adviser appears to be highlighting the currency risk associated with point three. However, consider these risk scenarios . . . A) Your country enters a period of severe financial difficulty, and money markets shut down. Your brokerage becomes insolvent, and your investments are lost. In this scenario the fact of whether your investments were in an overseas index such as the S&P, or were purchased from an account denominated in a different currency, would be irrelevant. The only thing that would have mitigated this scenario is an account with an overseas broker. B) Your country's stock market enters a sustained and deep bear market, decimating the value of shares in its companies. In this scenario the fact of whether your investments were made in from a brokerage overseas, or were purchased from an account denominated in a different currency, would be irrelevant. The only thing that would have mitigate this scenario is investment in shares and indices outside your home country. Your adviser has a good point; as long as you intend to enjoy your retirement in your home country then it might be advisable to remove currency risk by holding an account in Rupees. However, you might like to consider reducing the other forms of risk by holding non-Indian securities to create a globally diversified portfolio, and also placing some of your capital in an account with a broker outside your home country (this may be very difficult to do in practice).


"As you are earning an income by working in India, you are required to pay tax in India. If you contract is of freelance, then the income earned by you has to be self declared and taxes paid accordingly. There are some expenses one can claim, a CA should be able to guide you.   Not sure why the Swiss comapny is paying taxes?. Are they depositing this with Income Tax, India, do they have a TAN Number. If yes, then you don't need to pay tax. But you need to get a statement from your company showing the tax paid on behalf of you. You can also verify the tax paid on your behalf via ""http://incometaxindia.gov.in/26ASTaxCreditStatement.asp"" you cna register. Alternatively if you have a Bank Account in India with a PAN card on their records, most Banks provide a link to directly see"


Today typically a Business needs to hold accounts in more than one currency. Banks in certain countries are offering what is called a dual currency account. It is essentially 2 accounts with same account number but different currency. So One can have an account number say 123456 and have it in say AUD and USD. So the balance will always show as X AUD and Y USD. If you deposit funds [electronic, check or cash] in USD; your USD balance goes up. Likewise at the time of withdrawal you have to specify what currency you are withdrawing. Interest rates are calculated at different percentage for different currencies.  So in a nutshell it would like operating 2 accounts, with the advantage of remembering only one account number. Designate a particular currency as default currency. So if you don't quote a currency along with the account number, it would be treated as default currency. Otherwise you always quote the account number and currency. Of-course bundled with other services like free Fx Advice etc it makes the entire proposition very attractive. Edit: If you have AUD 100 and USD 100, if you try and withdraw USD 110, it will not be allowed; Unless you also sign up for a auto sweep conversion.  If you deposit a GBP check into the account, by default it would get converted into AUD [assuming AUD is the default currency]


That your asking is a good first step towards taking control of your future. But truly, you must seek the advice of a personal consultant that is much more in tune with your finances that anyone out here in the public will be.  You can get this type of advice locally, or if you want something online, I suggest oDesk or something similar to find a large pool of people and to efficiently find the right person for suited for your situation.


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Does Coke count as one of his operating businesses though?  He's the biggest shareholder but wikipedia says it's around 26%.  There are some other huge cash cows in there as well; BNSF Railroad's earnings were like $3.5 billion last year, and Berkshire own 100% of the business.


I had the same experience as Jeremy: made investments in both Prosper and Lending Club and got a much better returns with Lending Club, although in my cases both investments were ok: after 18 months i made 4-5% on prosper and 11-12% on Lending Club. I think they just have better underwriting standards.


"China has undergone an ""economic miracle"" over the past two decades.  Brand-spanking new cities have sprung up all over China during that time, and Hong Kong is no longer the shiny pearl it used to be in comparison with the rest of China.  It doesn't capture as much mind-share of the Chinese people as it used to now that there are alternatives.  Sort of like if the Apple iPhone were ever to fall behind Android phones in fashion and technology."


I think you are answering your own question. :)  I merely meant to stress that the original comment had no idea what he/she was talking about. Nobody buys a boat as an investment. The idea is ludicrous. That is what I meant.


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I believe the appropriate recourse in this scenario is to bring a court case for breach of contract.   The 1p repricing issue has been admitted as an error out of scope of the purpose of the software.


In my experience, even with such POS machines, there is a display that asks you to confirm your total, as a very last step, even if they ask if you want a receipt as a first step. By this manner, it would be nearly impossible for the teller to change the total without you noticing, so long as you read the total given to you by the device.  The scam in question is more likely to happen in a restaurant with the additional tip segment, allowing someone to give themselves more of a tip than you initially wrote onto the receipt. This is the only way I believe you would have a feasible chance of being cheated like this.


"No it does not.  Candlesticks really have nothing to do with this, a stock price can open different then the previous day's close. Examining the chart of TSLA provides an example it closed on 1/18 at 238.8 it opened on 1/19 at 243.7 In candlestick parlance is is known as a ""gap up""."


Show me a real case where as soon as the hive is destroyed and the bee dies immediately, or drop this silly example.  > Your 95 year old mother will not survive for long regardless. And it is highly doubtful that she really contributes much of anything to society anymore.  We all die eventually and your comments about the elderly are alarming.   > Oh, they probably could.  Yeah, it's common to see a two year old in the wilderness, living off the land.


Seair Exim is the best portal for looking Tramadol Import Data. Find more details of Tramadol shipment data to India with price, date, HS codes, major Indian ports, countries, importers, buyers in India, quantity and more is also mentioned on the website.


You have not lost value. It is just that the shares you owned, are now not tradable on US stock exchanges. You still have the value of your shares protected. In cases like de-listing of a stock, typically a trust (may be managed by a bank) is setup to help customers liquidate their stocks. You should try to search the relevant SEC filings for de-listing of this stock to get more details on whom to contact.


"Make a list of all your expenses. I use an Excel spreadsheet but you can do it on the back of a napkin if you prefer. List fixed expenses, like rent, loan payments, insurance, etc. I include giving to church and charity as fixed expenses, but of course that's up to you. List regular but not fixed expenses, like food, heat and electricity, gas, etc. Come up with reasonable average or typical values for these. Keep records for at least a few months so you're not just guessing. (Though remember that some will vary with the season: presumably you spend a lot more on heat in the winter than in the summer, etc.) You should budget to put something into savings and retirement. If you're young and just starting out, it's easy to decide to postpone retirement savings. But the sooner you start, the more the money will add up. Even if you can't put away a lot, try to put away SOMETHING. And if you budget for it, you should just get used to not having this money to play with. Then total all this up and compare to your income. If the total is more than your income, you have a problem! You need to find a way to cut some expenses. I won't go any further with that thought -- that's another subject. Hopefully you have some money left over after paying all the regular expenses. That's what you have to play with for entertainment and other non-essentials. Make a schedule for paying your bills. I get paid twice a month, and so I pay most of my bills when I get a paycheck. I have some bills that I allocate to the first check of the month and some to the second, for others, whatever bills came in since my last check, I pay with the current check. I have it arranged so each check is big enough to pay all the bills that come from that check. If you can't do that, if you'll have a surplus from one check and a shortage from the next, then be sure to put money aside from the surplus check to cover the bills you'll pay at the next pay period.  Always pay your bills before you spend money on entertainment. Always have a plan to pay your bills. Don't say, ""oh, I'll come up with the money somehow"". If you have debt -- student loans, car loans, etc -- have a plan to pay it off. One of the most common traps people fall into is saying, ""I really need to get out of debt. And I'm going to start paying off my debt. Next month, because this month I really want to buy this way cool toy."" They put off getting out of debt until they have frittered away huge amounts of money on interest. Or worse, they keep accumulating new debt until they can't even pay the interest."


As JoeTaxpayer has commented, the markets are littered with the carcasses of those who buy into the idea that markets submit readily to formal analysis.   Financial markets are amongst the most complex systems we know of.  To borrow a concept from mathematics - that of a chaotic system - one might say that financial markets are a chaotic system comprised of a nested structure of chaotic subsystems. For example, the unpredictable behaviour of a single (big) market participant can have dramatic effects on overall market behaviour. In my experience, becoming a successful investor requires a considerable amount of time and commitment and has a steep learning curve.  Your actions in abandoning your graduate studies hint that you are perhaps lacking in commitment. Most people believe that they are special and that investing will be easy money.  If you are currently entertaining such thoughts, then you would be well advised to forget them immediately and prepare to show some humility. TL/DR; It is currently considered that behavioural psychology is a valuable tool in understanding investors behaviour as well as overall market trends.  Also in the area of psychology, confirmation bias is another aspect of trading that it is important to keep in mind.  Quantitative analysis is a mathematical tool that is currently used by hedge funds and the big investment banks, however these methods require considerable resources and given the  performance of hedge funds in the last few years, it does not appear to be worth the investment. If you are serious in wanting to make the necessary commitments, then here are a few ideas on where to start : There are certain technical details that you will need to understand in order to quantify the risks you are taking beyond simple buying and holding financial instruments.  For example, how option strategies can be used limit your risk; how margin requirements may force your hand in volatile markets; how different markets impact on one another - e.g., the relationship between bond markets and equity markets; and a host of other issues.  Also, to repeat, it is important to understand how your own psychology can impact on your investment decisions.


I ate a burger at McDonalds for the first time since I was a kid the other week. They could easily switch out that patty for a meatless product and no one would ever know the difference. It really barely resembles meat right now.


"The address under a bank's name on a check, if there is one, is generally going to be the contact address of the bank. That will be true no matter where on the check the bank's name appears. The address of the person or business the account belongs to, if present, will appear under their name. This information block is typically near the top left corner the check, so it will be visible as the return address if the check is mailed in a ""window envelope"" designed for this purpose. The address the check is being mailed to, if it appears on the check, will generally appear low on the check and to the right, so it will be visible as the destination address when the check is mailed using a ""window envelope"" designed for this purpose. If that isn't the answer you were looking for, please clarify your question."


for buying: High PE, low debt, discount = win. a company with high debt (in relation to revenues and cash on hand) will have to pay interest and pay off the debt, stunting their growth. and just like a normal person, will barely be able to pay their bills and keep borrowing and might go bankrupt determining discount is just looking for a technical retracement to a support level or lower. (but if you dont enter at the support level, you most likely missed the best entry)


That is called “electrical fault” - someone had to go pop a breaker and add that subsystem to the “known bad and disabled” list for the airplane’s checklist. There a few such items on every plane, usually to do with passenger comfort or a plugged sink or something like that.


Holding Companies:  Bank of America Corporation Long-term senior unsecured debt to Baa2 from Baa1, outlook negative; Short-term P-2 affirmed  Barclays plc Long-term issuer rating to A3 from A1, outlook negative; Short-term to P-2 from P-1  Citigroup Inc. Long-term senior debt to Baa2 from A3, outlook negative; short-term P-2 affirmed  Credit Suisse Group AG Provisional senior debt to (P)A2 from (P)Aa2, outlook stable; Provisional Short-term (P)P-1 affirmed  The Goldman Sachs Group, Inc. Long-term senior unsecured debt to A3 from A1, outlook negative; Short-term to P-2 from P-1  HSBC Holdings plc Long-term senior debt to Aa3 from Aa2, outlook negative; Provisional Short-term (P)P-1 affirmed  JPMorgan Chase & Co. Long-term senior debt to A2 from Aa3, outlook negative; Short-term P-1 affirmed  Morgan Stanley Long-term senior unsecured debt to Baa1 from A2; outlook negative; Short-term to P-2 from P-1  Royal Bank of Scotland Group plc Long-term senior debt to Baa1 from A3, outlook negative; Short-term P-2 affirmed  -------------  Operating Companies:  Bank of America, N.A. Long-term deposit rating to A3 from A2, outlook stable; Short-term to P-2 from P-1  Barclays Bank plc Long-term issuer rating to A2 from Aa3, outlook negative; Short-term P-1 affirmed  BNP Paribas Long-term debt and deposit rating to A2 from Aa3; outlook stable; Short-term P-1 affirmed  Citibank, N.A. Long-term deposit rating to A3 from A1, outlook stable; Short-term to P-2 from P-1  Credit Agricole S.A. Long-term debt and deposit rating to A2 from Aa3, outlook negative; Short-term P-1 affirmed  Credit Suisse AG Long-term deposit and senior debt rating to A1 from Aa1, outlook stable; Short-term P-1 affirmed  Deutsche Bank AG Long-term deposit rating to A2 from Aa3, outlook stable; Short-term P-1 affirmed  Goldman Sachs Bank USA Long-term deposit rating to A2 from Aa3, outlook stable; Short-term P-1 affirmed  HSBC Bank plc Long-term deposit rating to Aa3 from Aa2, outlook negative; Short-term P-1 affirmed  JPMorgan Chase Bank, N.A. Long-term deposit rating to Aa3 from Aa1, outlook stable; Short-term P-1 affirmed  Morgan Stanley Bank, N.A. Long-term deposit rating to A3 from A1, outlook stable; Short-term to P-2 from P-1  Royal Bank of Canada Long-term deposit rating to Aa3 from Aa1, outlook stable; Short-term P-1 affirmed  Royal Bank of Scotland plc Long-term deposit rating to A3 from A2; outlook negative; Short-term to P-2 from P-1  Societe Generale Long-term debt and deposit to A2 from A1; outlook stable; Short-term P-1 affirmed  UBS AG Long-term debt and deposit to A2 from Aa3, outlook stable; Short-term P-1 confirmed.


"but the disturbing thing isn't just that the new home sales have dropped to 2000 or 1995 levels...  it's that they've dropped to record lows and stayed there.   The chart shows ""normal"" as being somewhere around 600,000 and we've been bouncing around below 400,000 for a few years now."


I cannot emphasize enough how important it is, when you buy a house with someone you are not married to, to make a legal agreement on how the money should be divided when you sell. I know it's too late for you, but I write this for anyone else reading this answer. From a legal point of view, if you made no agreement otherwise, you each own 50% of the house. If you want to divide it any other way, you will have to agree what an appropriate division is. Dividing according to the amount each of you paid towards it is a good way. Decide for yourselves if that means just mortgage payments, or also taxes, repairs, utilities etc. You should also be aware that if you have been living together a long time, like more than a year, some jurisdictions will allow one party to sue the other as if they were getting divorced. Then the courts would be involved in the division of property.


I would like to know how they calculated such monthly payment The formula is:  Your values would come out to be: r = (1+3.06/(100*365))^31-1=0.002602 (converting your annual percentage to a monthly rate equivalent of daily compounded interest) PV = 12865.57 n = 48 Inserting your values into the formula: P = [r*(PV)]/[1-(1+r)^(-n)] P = [0.002602*(12865.57)]/[1-(1.002602)^(-48)] P = 285.47


"Option 1 is out. There are no ""safe returns"" that make much money. Besides, if a correction does come along how will you know when to invest? There is no signal that says when the bottom is reached, and you emotions could keep you from acting. Option 2 (dollar cost averaging) is prudent and comforting. There are always some bargains about. You could start with an energy ETF or a few ""big oil"" company stocks right now."


It's actually becoming a lot more common these days because the smaller banks and CUs have to compete with the Bank of Americas of the world - they have ATMs everywhere and people really cling to that feeling of convenience.  Rebating foreign ATM fees is actually more cost effective than setting up a billion ATMs in a lot of cases too, so it makes sense from a couple of perspectives.


.... Dude. PLEASE turn off Fox News for a few minutes. Your  world view is so far from reality that I don't even know where to begin. I have no interest in continuing this discussion.   If you'd ever like to have a discussion where you DON'T act like a racist dick head, I'd be glad to have such a discussion. But the false garbage that you're spreading right now, not only is ignorant, but is also irresponsible and dangerous. There are people (much like you) who are not smart enough to realize that that's pure fabricated bologna.  It's dangerous to expose them to such false narratives, because some might actually believe it. I beg you to stop spreading bullshit about things you don't understand, even though we both know that people who think like you don't listen to reason and logic.


Institutional investors are not just rich guys they are rich guys managing money wherever it is left. Banks, retirement funds, hedge funds, pension funds, the social security fund (though they only invest in the US government)  Edit: the pension fun is idle capital looking to bring in returns.


Here's my answer for what it's worth:


Ok thats a lot better but there is no ridicule in it, there is no binding agent between the dog and PePe  The Art of diplomacy requires that a little humor be mixed in, even if you know now that they can't stop your missiles, you still need to be a little gracious  Orange Dog   Bankrupt dog  Retarded Dog  Ignorant & shameful dog  Please just because the Missile shield does not work is no need to be rude


This is more than likely a thing about your financial institution and the exchanges where they trade shares. Some exchanges cannot/will not handle odd lot transactions. Most established brokerages have software and accounting systems that will deal in round lots with the exchanges, but can track your shares individually. Sometimes specific stocks cannot be purchased in odd lots due to circumstances specific to that stock (trading only on a specific exchange, for example).  Most brokerages offer dollar-cost averaging programs, but may limit which stocks are eligible, due to odd lot and partial share purchases. Check with your brokerage to see if they can support odd lot and/or DCA purchases. You may find another similar ETF with similar holdings that has better trading conditions, or might consider an open-end mutual fund with similar objectives. Mutual funds allow partial share purchases (you have $100 to invest today, and they issue you 35.2 shares, for example).


A friend of mine has two credit cards.  He has specifically arranged with the card issuers so that the billing cycles are 15 days out of sync.  He uses whichever card has more recently ended its billing cycle, which gives him the longest possible time between purchase and the due date to avoid interest.


The answer is simple. You can generally claim a deduction for an expense if that expense was used to derive an income. Of course social policy sometimes gets in the way and allows for deductions where they usually wouldn't be allowed. Your rent is not tax deductible because this expense is not used to derive your income. If however you were working from your home, example - you had a home based business, and you dedicated a part of your home for your work, say an office, then part of your rent may then become tax deductible.


Does allowing family to stay at the rental jeopardize my depreciation?  No, accumulated depreciation that hasn't been deducted reduces your basis in the event of sale. That doesn't go anywhere. Accumulating more may not be allowed though. If the property is no longer rental (i.e.: personal use, your family member lives there for free), you cannot claim expenses or depreciation on it. If you still rent it out to your family member, but not at the fair market value, then you can only claim expenses up to the rental income. I.e.: you can only depreciate up to the extent the depreciation (after all the expenses) not being over the income generated. You cannot generate losses in such case, even if disallowed. If you rent to your family member at the market rate (make sure it is properly documented), then the family relationship really doesn't matter. You continue accumulating expenses as usual.


this is not necessarily true. sometimes it makes sense for a public company to go private. usually a private equity firm will buy up the shares. the private equity firm would usually be financed by a bank and the cash flow from the company will help pay off the financing. there are pros and cons to both private and public companies. a pro for a private company is the reduced regulation and there is no need to follow sarbanes-oxley act.


Creating cabinets, shelves as well as other kinds of furniture through wood working skills is called cabinetry.Cabinets can be of face frame construction or as frameless construction (which is popularly called as euro style or European style).Usually, the cabinets have one or more than one compartments.


You are looking for arbitrage, not in real terms, and you may lose heavily. Big banks would suck out all profit before you get a chance to react. There are thousands of algorithmic trading systems in banks, which specifically predict such situations and try to make money from such moves. If you can invest in such a system, probably you can make a killing, else best is to forget about it. Remember that somebody before you has surely thought about it and put a system in place, so that somebody else cannot make money out of it before he/she does.


You might want to [read this one too... that talks about the bonuses paid out to execs while the company was going under](http://www.michigancapitolconfidential.com/17686).  This wasn't just a well run company that went under temporarily.  They had an awesome product and loads of cash and squandered it at the expense of the taxpayer.   ...  while the executives got rich.  >In sum: The president of the United States, Michigan’s former governor, the state’s two U.S. senators and the U.S. Secretary of Energy promised thousands of jobs from a company that in a mere two years went bankrupt. Despite a bankruptcy or buyout predicted by outside observers, the company continued to reward its top executives while laying off most of its workforce.   Defend that if you want..  me, I'll go look at the few A123 cells that I have and be pissed off that the execs got a dime for failing with a great product.


Maybe learn some coding at home. Try and get a desk job somewhere and learn on the side. I'm trying to do that on the side to make my skills better. So applicable in so many settings. I'm starting with basic excel vba since most normal people use excel in some form or fashion. Great videos online.


If you can find a tenant by networking -- co-worker, friend of a friend, etc. -- rather than openly advertising, that often gives you a better pool. Side advice:  Check what local housing laws apply to renting a room rather than having a housemate. Once you start advertising this you may be subject to fair housing laws, additional code requirements, and so on.


Renters' Insurance should also have some level of liability coverage. I.e.: if you caused a flooding because you went on and broke the pipe, or a fire because you smoked in the bed - there should be some level of coverage for that. However, most of the damage the tenant can do is probably not accidental. If you broke the pipe - you probably did something wrong. If you caused fire by smoking in bed - you obviously did something wrong. While seemingly accidental, you're deeply at fault. Insurance companies are not in business for rewarding risky behavior. Accidents where the tenant has nothing to do with what happened (earthquakes, fires because of, say, wiring, flooding because it rained too much, or bird flying into a window and shattering it) - are covered by the homeowner's insurance. In any case, talk to your insurance agent about your specific policy and concerns.


"The presenter suggested we keep records of our claims for 10+ years in paper form. This seemed to be overkill. It would be overkill if you're taking distributions regularly and you have enough valid (and otherwise unreimbursed) medical receipts each year to correspond to your distributions. However, if you are pumping money into the HSA without regular distributions, then you may need to keep receipts for a long time, possibly since the beginning of your HSA. For example: If the IRS was to audit my HSA deductions would the Aetna online claims be adequate? It's better than nothing, but it is not ideal. You need to provide proof of what you actually paid, not just what was billed. (How would the IRS know if you actually paid the bill?) So, the bill and receipt together would be preferred. Also, there are many eligible expenses for HSA that would not be covered by your health insurance and would not appear in your Aetna statements (dental work for example). Personally I have an excel spreadsheet with every eligible expense listed, every contribution and distribution I make, and a box of receipts since I opened the HSA account. Should I also archive screenshots of these claims digitally somewhere? If you have the time and diligence to do it, then it wouldn't hurt. I personally am only one house fire away from having to make a lot of phone calls if I wanted to re-build my receipts folder from scratch. I actually have ""scan my HSA receipts"" on my todo list (where's it been for years as a pretty low priority). Lastly it makes sense to spend the money in my HSA on anything eligible because you can never roll it over into a retirement account, its shaky if another person (spouse) could get reimbursed for eligible medical expenses if you die, and if you lose your receipts you may not be able to spend all of the HSA money tax free. Is this an accurate assessment or is there a reason why I should not touch the HSA money at all and wait to reimburse my eligible expenses. First off, if you are married the HSA can be transferred to your spouse. But in general, it really depends on what you would do with the money if you distributed it right away. If you need the money to pay debts, bills, etc, then it might make sense to take it, but if it would be extra money that you would invest somewhere, then you should leave it in the HSA because it grows tax free while it's in there and (probably) wouldn't if you take it out. The caveat though is that you need to find an HSA administrator that offers your preferred investment choices. As for your worry that you might lose your receipts, well, that's a valid point- but I wouldn't drive my decision based on that- I would archive them digitally to remove that concern completely. ...Should I reimburse myself from ... the HSA funds if I am not hitting the 401k limit yet? It depends. If it's a Roth 401k, all other things being equal, (you are able to choose the same investments with your HSA as you can choose in your 401K, and the costs are the same), then you are better off leaving the money in your HSA rather than pulling it out and putting it into the Roth 401k. The reason is that there is no tax difference, and once you put it into the 401K you (probably) can't touch it (for free) until you retire. With the HSA, if you could have taken a distribution but chose not to, then you can take that amount of money out anytime you want to without any consequences, just like your normal checking account. However, if you have a traditional 401k, and if taking HSA distributions would increase your cash flow such that you could afford to contribute more to the 401k, then this would lower your tax burden that year by reducing your taxable income."


No. Unless you are ten Bill Gates rolled into one man, you can not possibly hope to make a dent in the 14 trillion debt. Even if you were and paid off whole debt in one payment, budget deficits would restore it to old glory in a short time. If you have some extra money, I'd advise to either choose a charity and donate to somebody who needs your help directly or if you are so inclined, support a campaign of a financially conservative politician (only if you are sure he is a financial conservative and doesn't just tell this to get elected - I have no idea how you could do it :).


A travel broker can offer solutions to any concerns about records need for honeymoon holiday vacation- An individual's broker knows essential ending schedules and requirements for us passports, etc. They will help direct you through the process. A complete travel brokers can present you with some expert benefits for honeymoon holiday vacation- Since travel providers are familiar with the right things to ask, they may be capable of coming up with offers that the common person would never come across on their own.


I would focus entirely on the emergency fund first and get it built up as fast as you can.  Once that is in place, you've got a cushion that will keep you from going into debt in an emergency.  Depending on your monthly expenses, $2000 seems low for that.  I'd aim for 3-6 months worth of expenses. Note that this is $800 less than your monthly income because of your savings. Once you have your emergency fund in place, then follow a formula like @MrChrister's to invest for retirement and save for future major purchases (car, house, vacation, etc).


It's the same with Pinterest, except I can't decide if it's insidious or useful. I can spam my friends with cool products, but I can also get paid to do it. It is helpful, then again it's like running ads on your twitter feed.


Frisco really hits all the marks except public transport. Compared to the other candidates, much lower cost of living, excellent schools, close to an airport that is a major hub and a 3 hour flight to anywhere in the us, highly educated population, verrrry family friendly, the city is brand new, and on top of incentives, taxes are ridiculously low to begin with. Amazon also has a couple of huge warehouses in the dfw area.


Paying weekly to be able to have maneuver room under your credit limit is a way to handle low credit limits. Doing it to boost your credit score when you have no immediate need for a loan is wasting energy.  A few months in advance of buying a car or house, you can start to worry about your utilization rate. When you apply for the loan they will pull your credit file, and that will lock in your utilization rates. Then make sure that you pay the balance quickly, and if you need to make a big purchase pay the bill before the account closes for the month. Keep in mind that if you pay the balance every month the highest utilization rate will occur the day the payment is due. This is because it not only has all the purchases from the previous bill, but all the purchases you have made since that bill closed. For example if you have a credit limit of 10K and you spend 2K a month on the credit card, on the day the payment is due it is not unusual to see the total owed to be above 3K. If they pulled your file on that day, your utilization rate would appear to be above 30%.


"Our Website http://fantasydiamondsllc.com/ Diamond engagement rings, with their ideal clearness and also undestroyable nature, have actually come to represent the pureness and eternal commitment between a man as well as his spouse. Visit United States at Fantasy Diamonds of New York City, to acquire your Interaction ring for your special loved one. Diamond involvement rings are happily and also commonly worn by a bride-to-be as a powerful sign that she is ""taken"" and will certainly soon be wed to her true love. The ring is viewed as an indicator of love, belief, integrity, party, and also the riches of the groom. By positioning the ring on his soon-to-be-wife, the groom gives the world an outside demo that he not just likes his bride, however also could afford to marry her and also take her from her daddy's care."


Think about how many bills a person had to pay from a single paycheck back then. Think about it now. You've got ten times as many things to pay for, with half the money.   Real incomes have been DECLINING since the 70s. First we worked more hours, then we sent women to work, then we ran up credit card and mortgage debt, then we had no options left and everything's fucked.  All because the top 1% have been keeping all productivity gains for 40 years, instead of leaving them with the people who EARNED and CREATED those gains, the employees.


Magnifique Mosaic Lamps boule en mosaïque de verre craquelé Vert/Doré pour mettre une ambiance tamisée dans votre salle à manger ou dans votre pièce à vivre. En détail :       Type de produit : Mosaic Lamps table  Couleur : Vert - Doré - Métal laqué noir - Joint noir Matière : Abat-jour : globe en verre recouvert de mosaïque craquelée, jointoyée - Piètement : métal laqué Caractéristiques : 1 x 25W E14 Dimensions : Ø 15,5 cm x H 22,2 cm


"As soon as basic income gets anywhere near reality, Republicans will point out that it is pay ""*those*"" lazy people to do absolutely nothing, and it will be defeated.  The basic problem is that right wing voters can't accept helping poor people if some are non-white."


Most economies are able to calibrate prices naturally through supply and demand. I'd look at building an efficient market if the economy will be a central feature. Looking at mature game economies like Warcraft to see what drives price changes in both finished and input goods may provide good examples of what yours might look like.