Depends what type of finance you want to do but it boils down to being passionate and demonstrating your interest I.e.  If you want to go into investing have a PA and invest it in individual stocks and understand why you're long or short something  If you want to go into banking follow wsj bloomberg and understand what's going on w deals and companies in certain sectors you're interested in  Etc


Given the ~25 year horizon for the end of oil, I fail to see how these actions will do anything but line the pockets of politicians, bureaucrats, and their friends.  We will run out of oil before we make a serious reduction in CO2 emissions.


"There is no problem to set up your own""email server"", especially if you have your own website.  The problem is that the interface of server based emails are really crappy and outdated.  I personally still forward all of my server based email messages to Gmail, because it is way more convenient to use it."


**Here's a sneak peek of /r/AccidentalRadiohead using the [top posts](https://np.reddit.com/r/AccidentalRadiohead/top/?sort=top&t=all) of all time!**  \#1: [Fitter Happier Jwoww](https://i.reddituploads.com/17abe64f25af42ed958ac4dda055dfc9?fit=max&h=1536&w=1536&s=3511e074b89c14dd5f0bf9e621149d27) | [0 comments](https://np.reddit.com/r/AccidentalRadiohead/comments/4u9v1e/fitter_happier_jwoww/)   \#2: [Accidental Thom Yorke](https://i.reddituploads.com/f6d234a64dc7432abffc2658d40f7a9e?fit=max&h=1536&w=1536&s=78ef631d36658cfe59f4837b6e5baa82) | [4 comments](https://np.reddit.com/r/AccidentalRadiohead/comments/4leqek/accidental_thom_yorke/)   \#3: [This guy's T-Shirt](http://i.imgur.com/j3vccNy.jpg) | [6 comments](https://np.reddit.com/r/AccidentalRadiohead/comments/51ft11/this_guys_tshirt/)  ---- ^^I'm ^^a ^^bot, ^^beep ^^boop ^^| ^^Downvote ^^to ^^remove ^^| [^^Contact ^^me](https://www.reddit.com/message/compose/?to=sneakpeekbot) ^^| [^^Info](https://np.reddit.com/r/sneakpeekbot/) ^^| [^^Opt-out](https://np.reddit.com/r/sneakpeekbot/comments/6l7i0m/blacklist/)


I use the following allocation in my retirement portfolio: I prefer these because: Expense Ratios Oh, and by their very definition, ETFs are very liquid. EDIT: The remaining 10% is the speculative portion of my portfolio. Currently, I own shares in HAP (as a hedge against rising commodity prices) and TIP (as a hedge against hyperinflation).


Economists are interested in incentives. Here, government set up incentives for banks to make bad loans. The banks share blame, but they were rationally responding to bad incentives. We can criticize the banks all we like, but if we'd rather fix problems than point fingers, we have to address the incentives.   The incentives are the source of the problem, and government policies are the source of the incentives.


> Ignorance is unbecoming.  Then why did you choose to display it?  Okay so there are a variety of different drug tests and they test for different chemicals and they have different prices. The majority of drug tests issued by the majority of employers are for Marijuana because A> That is the cheapest, and B> Marijuana can be detected a few weeks after the last use.  Other drugs tested for such as Cocaine, Heroine, LSD, Alcohol and so on cannot be detected more than 48 hours after usage. Basically all the drugs that are actually bad can't be detected after a few days.  > All three of which can cause slowed reactions putting people in danger.  Only while a person is using them. After the effects of the drug wear off they are no more dangerous than anyone else.   Please, stop with your bullshit.


"If one takes a slightly more expansive view of the word ""saving"" to include most forms of durable asset accumulation, I think the reason some do and most don't is a matter of a few factors, I will include the three that seem obvious to me: Education Most schools in the US where I live do not offer personal finance courses, and even when they do, there is no opportunity for a student to practice good financial habits in that classroom setting. I think a simple assignment that required students to track every penny that they spend over the period of a few months would help them open their eyes to how much money is spent on trivial things that they don't need. Perhaps this would be more effective in a university setting where the students are usually away from home and therefore more responsible for the spending that occurs on their own behalf. Beyond simple education about personal finances, most people have no clue how the various financial markets work. If they understood, they would not allow inflation to eat away at their savings, but that's a separate topic from why people do not save. Culture Since much of the education above isn't happening, children get their primary financial education from their parents. This means that those who are wealthy teach their children how to be wealthy, and those who are poor pass on their habits to children who often also end up poor. Erroneous ideas about consumption vs. investment and its economic effects also causes some bad policy encouraging people to live beyond their means and use credit unwisely, but if you live in a country where the average person expects to eat out regularly and trade in their automobiles as soon as they experienced their highest rate of depreciation, it can be hard to recognize bad financial behavior for what it is. Collective savings rates reflect a lot of individuals who are emulating each other's bad behavior. Discipline Even when someone is educated about finances, they may not establish good habits of budgeting regularly, tracking spending, and setting financial goals. For me, it helps to be married to someone who has similar financial goals, because we budget monthly and any major purchases (over $100 or so) must be agreed upon at the beginning of the month (with obvious exceptions for emergencies). This eliminates any impulsive spending, which is probably 90% of the battle for me. Some people do not need to account to someone else in order to spend wisely, but everyone should find a system that works for them and helps them to maintain some financial discipline."


I suggest you start your own business. What kind of business? That's up to you, pick something you're interested in.  Will it be successful? Probably not, but you'll learn a whole lot. Everything from creating/developing a product/service, sales, marketing, customer support, and many other things.  Here is a podcast on how other people got started: http://www.npr.org/podcasts/510313/how-i-built-this  Edit: here is another great one: https://www.indiehackers.com/


"Hey just letting you know that I've sort of felt the same as you before. I'm not 29 yet, only a few years younger, and I too am in Alberta. Knowing that many trades can be quite lucrative here I too dipped my hand in them, namely the HVAC and Plumbing trades, and after a bit I felt that they weren't for me. And this was after using a year looking for any ins during the recession since nobody was hiring helpers/first years. During that whole year in the times I wasn't looking for a job I was researching and looking up videos of the trades and was thinking how INow after some career counseling, soul searching, all that jazz, I'm about to head back to school next week. If things go well by the time I graduate I will almost be 30 with my first (and probably only) degree.    I wouldn't consider the years from the time I graduated high school to today, where I think I've figured out what I want to do, a waste, but instead I look at them as years where I grew as an adult and gaining real world experience in a few areas I've dabbled in. A future employer may look at them as wasted years, but it is up to me to spin them in a positive way as my ""story"". Just know that you aren't alone in this situation, and I'm sure there's plenty of people worldwide in their 20's and 30's who are still trying to figure out what they want to do. Keep your head up and good luck."


"This is kinda off track from what the the article is getting at, but it's related. I think now more than ever a company needs to focus on pleasing the customer. In this day and age one customer has the power to reach a million other people.  Look at Reddit, we crash websites when just one person submits a link. Depending on what our intentions are this can be good or bad.   I feel like the bigger companies have strayed away from this concept. With E3 in the news you can't help but see how the every day gamer views the ""bigger"" companies such as EA and Microsoft with disdain because they aren't focusing on the customers needs."


Yeah well, Wilbur Ross has serious credentials. He's a multi-billionaire who spent 24 years working for the Rothschilds.  He served under U.S. President Bill Clinton on the board of the U.S.-Russia Investment Fun. He was the chair of the New York Democratic Party. He's spent most of his life in the investments and commerce sector as well as raising money for liberal causes. He just happened to flip Trump this time around.  So it's one of those scenarios where Trump appointed someone with the kind of chops that most people can't even compete with... if a guy of this caliber gets the numbers wrong, it's an outlier.


If you look at page 27 of their 10Q Jan 2017, it clarifies their streaming content liabilities.   http://files.shareholder.com/downloads/NFLX/4914912502x0xS1628280-17-496/1065280/filing.pdf Technically, the total liabilities comes to $20b.   Depending on who your accountant is, the amount can be as you have stated/referred to, but in real terms, it's higher.   The magic of including <1 year vs all of it.    Tesla does the same shit with their accounting.


Imagine that a fund had a large exit load that declined over several years. If you wanted to sell some or all of your investment in that fund you would face a large fee, unless you held it a long time. You would be hesitant to sell because waiting longer would save you money. That is the exact opposite of a liquid investment.  Therefore the ideal level for a liquid fund is to have zero exit load.


Sounds like what you really need is a budget instead of a loan. I like following the four budgeting rules recommended by the team at YNAB. They even have software that helps you through the method even though you can use the method by itself without needing to buy the software. I'm not affiliated with them...just a happy customer! Following these simple rules has allowed me to stop living pay-check to pay-check.


Drawing down from a nest egg is predominately dealing with 3 issues: The much used withdrawal amount used to not deplete your principal is 4%. Some may argue this is too much or not enough but it is regarded as a standard amount.  Seeing that you have $500k you can pull about $20k per year using this drawdown percentage.  If you can live on $20k then you are set.  If not you should build up this nest egg.


The endless hyperbole and straight from the elephant's mouth talking points ruin any credibility you may have. 1/4 of this post is straight out of Ailes' mouth.   TL;DR you're being downvoted because you're not contributing a single thing to the discussion, not because you're a Republican.


Bond ETFs are just another way to buy a bond mutual fund.  An ETF lets you trade mutual fund shares the way you trade stocks, in small share-size increments.  The content of this answer applies equally to both stock and bond funds. If you are intending to buy and hold these securities, your main concerns should be purchase fees and expense ratios.  Different brokerages will charge you different amounts to purchase these securities.  Some brokerages have their own mutual funds for which they charge no trading fees, but they charge trading fees for ETFs.  Brokerage A will let you buy Brokerage A's mutual funds for no trading fee but will charge a fee if you purchase Brokerage B's mutual fund in your Brokerage A account. Some brokerages have multiple classes of the same mutual fund.  For example, Vanguard for many of its mutual funds has an Investor class (minimum $3,000 initial investment), Admiral class (minimum $10,000 initial investment), and an ETF (share price as initial investment).  Investor class has the highest expense ratio (ER).  Admiral class and the ETF generally have much lower ER, usually the same number.  For example, Vanguard's Total Bond Market Index mutual fund has Investor class (symbol VBMFX) with 0.16% ER, Admiral (symbol VBTLX) with 0.06% ER, and ETF (symbol BND) with 0.06% ER (same as Admiral).  See Vanguard ETF/mutual fund comparison page.  Note that you can initially buy Investor class shares with Vanguard and Vanguard will automatically convert them to the lower-ER Admiral class shares when your investment has grown to the Admiral threshold. Choosing your broker and your funds may end up being more important than choosing the form of mutual fund versus ETF.  Some brokers charge very high purchase/redemption fees for mutual funds.  Many brokers have no ETFs that they will trade for free.  Between funds, index funds are passively managed and are just designed to track a certain index; they have lower ERs.  Actively managed funds are run by managers who try to beat the market; they have higher ERs and tend to actually fall below the performance of index funds, a double whammy. See also Vanguard's explanation of mutual funds vs. ETFs at Vanguard. See also Investopedia's explanation of mutual funds vs. ETFs in general.


"There is considerable truth to what your realtor said about the Jersey City NJ housing market these days. It is a ""hot"" area with lots of expensive condos being bought up by people working on Wall Street in NYC (very easy commute by train, etc) and in many cases, the offers to purchase can exceed the asking price significantly. Be that as is may, the issue with accepting a higher offer but smaller downpayment is that when the buyer's lender appraises the property, the valuation might come in lower and the buyer may have to come up with the difference, or be required to accept a higher interest rate, or be refused the loan altogether if the lender estimates that the buyer is likely to default on the loan because his credit-worthiness is inadequate to support the monthly payments. So, the sale might fall through. Suppose that the property is offered for sale at $500K, and consider two bids, one for $480K with 30% downpayment ($144K) and another for $500K with 20% downpayment ($100K).  If the property appraises for $450K, say, and the lender is not willing to lend more than 80% of that ($360K), then Buyer #1 is OK; it is only necessary to borrow  $480K - $144K = $336K, while Buyer #2 needs to come up with another $40K of downpayment to be able to get the loan, or might be asked to pay a higher interest rate since the lender will be lending more than 80% of the appraised value, etc. Of course, Buyer #2's lender might be using a different appraiser whose valuation might be higher etc, but appraisals usually are within the same ballpark.  Furthermore, good seller's agents can make good estimates of what the appraisal is likely to be, and if the asking price is larger than the agent's estimate of appraised value, then it might be to the advantage of the selling agent to recommend accepting the lower offer with higher downpayment over the  higher offer with smaller downpayment. The sale is more likely to go through, and an almost sure 6% of $480K (3% if there is a buyer's agent involved) in hand in 30 days time is worth more than a good chance of nothing at the end of 15 days when the mortgage is declined, during which the house has been off the market on the grounds that the sale is pending. If you really like a house, you need to decide what you are willing to pay for it and tailor your offer accordingly, keeping in mind what your buyer's agent is recommending as the offer amount (the higher the price, the more the agent's commission), how much money you can afford to put down as a downpayment (don't forget closing costs, including points that might be need to be paid), and what your pre-approval letter says about how much mortgage you can afford.  If you are Buyer #1, have a pre-approval letter for $360K,  and have enough savings for a downpayment of up to $150K, and if you (or your spouse!)  really, really, like the place and cannot imagine living in any other place, then you could offer $500K with 30% down (and blow the other offer out of the water). You could even offer more than $500K if you want. But, this is a personal decision.  What your realtor said is perfectly true in the sense that for Y > Z, an offer at $X with $Y down is better than an offer at $X with $Z down. It is to a certain extent true that for W > X, a seller would find an offer at $X with $Y down to be more attractive that an offer at $W with $Z$ down, but that depends on what the appraisal is likely to be, and the seller's agent's recommendations."


Theres a reason there making minimum wage to begin with. The job requires no skill and is for teenagers with MINIMUM skill. There is a reason the job is made for teenagers and not adults trying to support a family. Also raising minimum wage is gonna hurt there employees as they will higher less and have to raise prices on there products just to pay there genius stockboys and genius checkout workers who are solving world hunger.


"My personal rule is to not loan money (or co-sign) for any amount that I am not willing to give away.  It can go wrong in so many ways, and having a family or friend involved means making a ""business"" decision is difficult. If a bank won't loan the person the money, why should I?  Being a co-signer is the same as borrowing the money in my name and giving it right over to the borrower. There might be great reasons to do it.  I would probably sign a loan to keep my family alive or healthy, but no other reason.  There are many ways to help without signing a loan.  Give a room and a place to live, loan a car. The other thing is if you really truly believe in the borrower, it won't do long term damage to your credit or your financial goals, and you are the only resort; go ahead.  I am thinking about helping a teenager afford their first car or student loans."


With your wife's income, you're not doing to see a net difference if she stops working that job. You may actually yield a little more. At the end of the day, it's doable, but you're going to have to rationalize your spending and one or both of you should pick up a part-time job. Do you remember the last time you bought lunch or went out to dinner? You're wasting money. Even a 50% gig at a quality employer like Starbucks or Home Depot will let you make $15-20k. I respect your religious beliefs, but 17% of your income is steep, and you may want to revisit that.


"Perhaps the real question you are asking is ""How can the tax code be fixed to make it simple for everyone (including me), and what would it take to effect those changes""? There are really two causes for the complexity of the tax code. Many of those who enter Government hold a desire for power, and Government uses the tax code as one lever of power to distribute largess to their supporters, and to nudge everyone to behaviors which they favor. The current system enables incumbents to spend taxpayer money to reward those they favor, and thus they accumulate power and security. Those who enter Government also love to spend money (especially other people's money), and their rapacious behavior recognizes no boundaries. They will spend money without control until the taxpayers yank them to a brutal stop. They enact complex rules which are used to ease the (tax) burden for some, which buys their support (with taxpayer money), and they spend money to benefit those which they favor. The system of lobbyists and contributors exists to entice Government to treat them and the causes they support favorably. This system enables incumbents to spend taxed money to reward those they favor, and to tax those they disfavor. Thus their greed is satisfied, and their power is increased. The freedom you seek is not available, although you can minimize the effort required for compliance. You can take the standard deduction, and use nothing but the W-2 provided by your employer, and unless you are subject to the Alternative Minimum Tax, you will find that the tax software will do most of the work for you. Do you want to approach the Nirvana of minimal effort to appease your tax collectors? Avoid starting your own business, charitable donations, investment income, 1099 income, and you will need minimal paperwork. Avoid earning enough to risk the AMT (Alternative Minimum Tax). Refuse to take the mortgage interest deduction, tax credits for electric vehicles, tax credits for high-efficiency appliances and air conditioners, tax credits for residential solar panel installations. Do not own investments which pay interest, or own stocks where you need to track the ""basis"" (purchase price) of the stocks, nor buy and then sell valuable items that might gain value (where you would need to track the purchase price, the ""basis""). Avoid owning and leasing a rental home for income, deducting businesses expenses and mileage for business purposes, contributions to a retirement plan (outside an employer plan) -- all complicate your tax filing. The solution you truly desire is either a ""Flat Tax"" or the ""Fair Tax"". These solutions would effect either a single tax rate (with no deductions or adjustments to income, yeah right), or a national retail sales tax, which would tax the money spent in the economy regardless of the source of the money (legal, gifts, crime) and there would be no need to report income, or classify it. The largest objection to either is that the tax code might become less ""progressive"" (increasing tax rate with increasing income). Good Luck!"


In Canada a good site is: redflagdeals.com


Well i dont know of any calculator but you can do the following 1) Google S&P 500 chart 2) Find out whats the S&P index points (P1) on the first date 3) Find out whats the S&P index points (P2) on the second date 4) P1 - P2 = result


Well, a couple things to keep in mind: Even if you have enough to meet the minimum initial amount, you need to have at least that much income in the year you make the contribution. You'll probably be best served saving up in a savings account so that by the time you have an income (and can thus make contributions), you have enough cash to meet the minimum initial contribution.


Are you doing the right thing? Yes, paying back some of the expense of college is a great way to show your gratitude. Could your sister also pitch in a little to help pay the debt down? Will you get approved for a $30,000 unsecured loan? You don't mention your credit rating but that will have an effect obviously. You might consider visiting a credit union with your father and co-signing a loan since it is his debt that you are assuming. You might still want to write a loan for your dad to sign even if he isn't co-signed on a loan. This could protect you in case of his death if there are other assets to divide. If you are not approved for a loan, you could also simply join your dad in paying down the highest-rate cards first and have a loan agreement for him to pay back that money if/when it is possible. You've mentioned that you have no collateral. There aren't many options for loans with no collateral. Your dad's bank or a credit union might consider a debt consolidation loan with you as a co-signer. That's why I mentioned going to a credit union. Talking to a loan officer at a local financial institution will make it easier to get approved. If they see that you are taking responsible steps to pay off the debt, that reduces your credit risk. If you do get a debt consolidation loan, they will probably ask your dad to close some credit card accounts.


I use Yelp occasionally.  I still haven't seen the problem.  Typically I read the good and bad reviews.  I understand that there are many instances of apparent abuse but honestly, I've never run into them when looking a place up.  So yeah, it sucks that this happens but I still don't see it as a big deal overall.


Important to take note that Buffett is not directly investing in real estate. He bought a lot of stock in a real estate company that owns a lot of real estate (a REIT). Buffett typically buys stocks in companies that have good fundamentals in industries where he sees potential for growth. So indirectly he is betting on real estate, but holding stock in a REIT is much different than owning properties.


"Welcome to America!  This country is not meant to be a free ride. I personally  (single, ""native"" male) pay a significant amount each year to Uncle Sam and receive no benefits at all.  Where do ""natives"" sign up for the free stuff?!"


"Some companies issue multiple classes of shares.  Each share may have different ratios applied to ownership rights and voting rights.  Some shares classes are not traded on any exchange at all.  Some share classes have limited or no voting rights.   Voting rights ratios are not used when calculating market cap but the market typically puts a premium on shares with voting rights. Total market cap must include ALL classes of shares, listed or not, weighted according to thee ratios involved in the company's ownership structure.  Some are 1:1, but in the case of Berkshire Hathaway, Class B shares are set at an ownership level of 1/1500 of the Class A shares. In terms of Alphabet Inc, the following classes of shares exist as at 4 Dec 2015: When determining market cap, you should also be mindful of other classes of securities issued by the company, such as convertible debt instruments and stock options.  This is usually referred to as ""Fully Diluted"" assuming all such instruments are converted."


The turbo kit is mainly used in OEM applications such as Audi. It also has forged mill compressor wheel, which brings numerous benefits to the exhaust. The technology used in the production of the turbos which provides a variety of benefits like reduction in the wheel weight of a reduced compressor, increased strength, and greater surface area of the compressor wheel.


That we can both agree on :-).   I still get annoyed when people talk about the Federal Govt getting involved in monetary policy and conversely the Fed Reserve implementing fiscal policy.   There's nothing wrong discussing economic policies, I just wish people at least people studied Macro 101 before arguing about economics.


> People should come before profits.   The entire Corporate Charter process is in United States law. It does say profit comes before people, it's called fiduciary responsibility. I haven't seen any political parties rise around this topic -- so I'd assume corporations hurting people isn't as big as Reddit makes it out? Otherwise most Americans would change how they vote and find a new party?


Not really money related, but: how long are you going to be staying there? Once your wife graduates, would you be potentially moving to another area, or needing to move to be closer to where she works? If so, you might want to wait until after she graduates and you know where you'll be, before putting down money on large stationary items like houses.


"These are two different ways of processing payments. They go through different systems many times, and are treated differently by the banks, credit card issuers and the stores. Merchants pay different fees on transactions paid by debit cards and by credit cards. Debit transactions require PIN, and are deducted from your bank account directly. In order to achieve that, the transaction has to reach the bank in real time, otherwise it will be declined. This means, that the merchant has to have a line of communications open to the relevant processor, that in turn has to be able to connect to the bank and get the authorization - all that while on-line. The bank verifies the PIN, authorizes the transaction, and deducts the amount from your account, while you're still at the counter. Many times these transactions cannot be reversed, and the fraud protections and warranties are different from credit transactions. Credit transactions don't have to go to your card issuer at all. The merchant can accept credit payment without calling anyone, and without getting prior authorizations. Even if the merchant sends the transaction for authorization with its processor, if the processor cannot reach the issuing bank - they can still approve the transaction under certain conditions. This is, however, never true with debit cards (even if used as ""credit""). They're not deducted from your bank account, but accumulated on your credit card account. They're posted there when the actual transaction reaches the card issuer, which may be many days (and even many months) after the transaction took place. Credit transactions can be reversed (in some cases very easily), and enjoy from a higher level of fraud protection. In some countries (and most, if not all, of the EU) fraudulent credit transactions are never the consumer's problem, always the bank's. Not so with debit transactions. Banks may be encouraging you to use debit for several reasons: Merchants will probably prefer credit because: Consumers will probably be better off with credit because:"


> The level of economic ignorance in this thread is astounding.   1) You don’t pay taxes when you buy, you pay them when you sell (capital gains). Gains imply that on net assets were bought rather than sold.  2) The determining factor for paying down debts is the government’s decision not stock market performance. There is no causal relationship.


- ETFs make money through management fees. You can look it up: they all skim off a little bit of its profit, normally <1%.  - It's all about cheap diversification. People generally don't have the capital to invest individually in each equity to mimic an ETF's portfolio.   - Yes, but you need a lot of money. For example: You can't just invest $1 in GOOG if you want to buy a tech sector ETF.


Half of working age men out of the workforce aren't taking it for pain. They are taking it to catch a buzz. I STRONGLY believe that cannabis is a better answer. The amount you would have to smoke to lead to emphysema is ridiculous. That's what chain smokers get.


While I agree with the existing bulk of comments and answers that you can't tell the lender the $7k is a gift, I do think you might have luck finding a mortgage broker who can help you get a loan as a group.  (You might consider as an LLC or other form of corporation if no one will take you otherwise.)  That is, each of you will be an owner of the house and appear on the mortgage.  IIRC, as long as the downpayment only comes from the collective group, and the income-to-debt ratio of the group as a whole is acceptable, and the strongest credit rating of the group is good, you should be able to find a loan.  (You may need a formal ownership agreement to get this accepted by the lender.)  That said, I don't know if your income will trump your brother's situation (presumably high debt ratio or lower than 100% multiplier on his income dues to its source), but it will certainly help. As to how to structure the deal for fairness, I think whatever the two of you agree to and put down in writing is fine.  If you each think you're helping the other, than a 50/50 split on profits at the sale of the property seems reasonable to me.   I'd recommend that you actually include in your write up a defined maximum period for ownership (e.g. 5yr, or 10yr, etc,) and explain how things will be resolved if one side doesn't want to sell at that point but the other side does. Just remember that whatever percentages you agree to as ownership won't effect the lender's view of payment requirements.  The lender will consider each member of the group fully and independently responsible for the loan.  That is, if something happens to your brother, or he just flakes out on you, you will be on the hook for 100% of the loan.  And vice-versa.  Your write up ought to document what happens if one of you flakes out on paying agreed upon amounts, but still expects there ownership share at the time of sale. That said, if you're trying to be mathematically fair about apportioning ownership, you could do something like the below to try and factor in the various issues into the money flow: The above has the benefit that you can start with a different ownership split (34/66, 25/75, etc.) if one of you wants to own more of the property.


The reason your scheme fails is because you're attempting to make all bonds trade at their face value plus interest, regardless of the credit of the issuer. In all of your examples, you're suggesting I can pay my bill to the electric company using bonds from XYZ corp. Does my electric company have a right to refuse XYZ Corp bonds as payment and demand other payment?  If they do have a right to refuse payment, it is almost a certainty my electric company will have no interest in poring over the books of XYZ Corp or MomAndPop's Country Diner in order to decide whether they accept or reject the payment. They will simply reject it and demand cash.   If they can NOT refuse to accept the payment, then you will immediately have all sorts of shell corps who's only purpose is to accumulate debt and act as a free money printing press for some other shadowy entity.   In both cases, your plan fails.


Never take the first quote. Consider what it would really cost to replace the house -- to rebuild and pay for living while you do so (including demolition, etc.) and/or pay off the mortgage and return your equity if it is a financed property.  Most insurances will have a limit on how much coverage you can get based on the property value and your goods value estimates.  Shop around for a company that will give you a good price but also good customer service and a smooth claims process.  They should be solvent (able to pay your claim if, say, a tornado hit the whole neighborhood).  And they should cover your reasonable replacement costs. And remember, insurance is about the big losses like fires. Know what you are comfortable self insuring (higher or lower deductibles, optional coverages, etc.) and you will have an easier time getting the coverage you need for the price you want to pay.


"I suspect this is a function of deregulated banks' desire to write and flip as many mortgages as possible. The best targets for this sales push were naturally those with the most education, who tended to have the best credit ratings and most secure jobs.   The last time I bought a house, the mortgage salesman practically lit up when looking at my income and credit score, pushing me hard to borrow more. ""You could buy a lot more house than this!"" he said. ""You could buy apartments as an investment or for resale!""  I resisted temptation, thank heaven, but it's all too easy to see how millions of others didn't."


I'm interested in corporate finance. Can you recommend some great inexpensive online courses for financial modeling training? (maybe something that you took and highly recommend. If no, I'll look up for them myself) I want to get familiar with it first. Don't wanna spend too much and mess up.


This can be done, you can be prosecuted for some forms of it, in any case there are more riskless ways of doing what you suggested. First, buying call options from market makers results in market makers buying shares at the same delta as the call option. (100 SHARES X DELTA = How many shares MM's bought). You can time this with the volume and depth of the shares market to get a bigger resulting move caused by your options purchase to get bigger quote changes in your option. So on expiration day you can be trade near at the money options back and forth between being out the money and in the money. You would exit the position into liquidity at a profit. The risk here is that you can be sitting on a big options position, where the commissions costs get really big, but you can spread this out amongst several options contracts. Second, you can again take advantage of market maker inefficiencies by getting your primary position (whether in the share market or options market) placed, and then your other position being a very large buy order a few levels below the best bid. Many market makers and algorithms will jump in front of your, they think they are being smart, but it will raise the best bid and likely make a few higher prints for the mark, raising the price of your call option. And eventually remove your large buy order. Again, you exit into liquidity. This is called spoofing. There have been some regulatory actions against people in doing this in the last few years. As for consequences, you need to put things into perspective. US capital market regulators have the most nuanced regulations and enforcement actions of worldwide capital market regulators, and even then they get criticized for being unable or unwilling to curb these practices. With that perspective American laws are basically a blueprint on what to do in 100 other country's stock exchanges, where the legislature has never gotten around to defining the same laws, the securities regulator is even more underfunded and toothless, and the markets more inefficient. Not advice, just reality.


">Corporations should be able to ""oppress"" as much as they want  This is incredibly short sighted, and even if I kept the rest of your quote, it wouldn't change that. You are tacitly handing over control over our civil rights to anonymous people in a boardroom.  We won't let the government oppress us, but Wal Marts fine? The rights we have are only effective if we are able to use them in real life. If our lives are dominated by corporations who take away our rights at every turn, we don't have access to those rights anymore.  The Bill of Rights is a document designed to protect people from Tyranny. Corporations don't get a pass on having to treat people fairly because they weren't elected. How can we sit an decry Donald Trump and let thousands of people who are just like him oppress from the boardroom?  Your position is born out of fear and a desire for retribution, and you ignore the consequences of setting precedent that allows corporations shut down speech they don't like."


You get to drink water?  Where I grew up it got to 140 in the winter, and we had to drink our own sweat, or our coworkers, if we were lucky!  And that was only during our one break per week!   :)


>The heat from the data center cannot be harnessed aside of providing some of this heating, or to help with the heating of domestic water. Overall, exceptionally little of it is useful.  I'm admittedly dense, I'm still not clear on why this is.


Deduction for Health Checkup is allowed under Section 80D and is allowed to everyone whether Salaried or Business/Professional. However, Exemption for Medical Reimbursement of Rs. 15000 is allowed under a different section.  A salaried employee can take benefit of both Medical Reimbursement of Rs. 15,000 as well as Preventive Health Check-up of Rs. 5,000.  Source: Tax Deduction for Health Check-up


Invest in growth stocks which do not pay any dividends (Note that some part of the dividends issued by a corporation might be from interest received by the company and passed on to you as a dividend); Buy a house from a bank that practices Islamic Banking. See this question which you yourself answered a few weeks ago to understand how this works.


If you seek a company that will understand and build a Custom Home Building Naples that offers solutions to the lifestyle and needs your family has, then look no further than Palmer Homes. We are a call away on 239-898-2460.


You will have to rebalance every time your Boolean Buy flag is true. You buy 20% of each fund then next week you have to sell down to 10% of your first 5 funds and buy 10% of the second 5.


So for each thousand dollars saved you will earn $1.50 more each year. It is up to you to decide whether it is worth the hassle.


Google Finance portfolios take into account splits and cash deposits/withdrawals.


"I'd agree that this can seem a little unfair, but it's an unavoidable consequence of the necessary practicality of paying out dividends periodically (rather than continuously), and differential taxation of income and capital gains. To see more clearly what's going on here, consider buying stock in a company with extremely simple economics: it generates a certain, constant earnings stream equivalent to $10 per share per annum, and redistributes all of that profit as periodic dividends (let's say once annually). Assume there's no intrinsic growth, and that the firm's instrinsic value (which we'll say is $90 per share) is completely neutral to any other market factors. Under these economics, this stock price will show a ""sawtooth"" evolution, accruing from $90 to $100 over the course of a year, and resetting back down to $90 after each dividend payment. Now, if I am invested in this stock for some period of time, the fair outcome would be that I receive an appropriately time-weighted share of the $10 annual earnings per share, less my tax. If I am invested for an exact calendar year, this works as I'd expect: the stock price on any given day in the year will be the same as it was exactly one year earlier, so I'll realise zero capital gain, but I'll have collected a $10 taxed dividend along the way. On the other hand, what if I am invested for exactly half a year, spanning a dividend payment? I receive a dividend payment of $10 less tax, but I make a capital loss of -$5. Overall, pre-tax, I'm up $5 per share as expected. However, the respective tax treatment of the dividend payment (which is classed as income) and the capital gains is likely to be different. In particular, to benefit from the ""negative"" taxation of the capital loss I need to have some positive capital gain elsewhere to offset it - if I can't do that, I'm much worse off compared to half the full-year return. Further, even if I can offset against a gain elsewhere the effective taxation rates are likely to be different - but note that this could work for or against me (if my capital gains rate is greater than my income tax rate I'd actually benefit). And if I'm invested for half a year, but not spanning a dividend, I make $5 of pure capital gains, and realise a different effective taxation rate again. In an ideal world I'd agree that the effective taxation rate wouldn't depend on the exact timing of my transactions like this, but in reality it's unavoidable in the interests of practicality. And so long as the rules are clear, I wouldn't say it's unfair per se, it just adds a bit of complexity."


I don't see how that would be an issue in any way.  Referral bonuses are very common.  I'm a little confused as to why you think this might be an issue (or why there would be advice to get a lawyer)... this is called networking.  Growing a business requires contacts you can rely on.  Make sure you're confident in his work, as your clients will likely not be happy with you if he doesn't perform well.


"Listen guys.  The TPP only benefits multi nationals. Don't let this propaganda make you think that somehow ""small farmers"" would benefit from a deal that no one has seen, can't read, can't edit, cannot debate, can't change, doesn't sunset and you can't get out of it.    Also,  pro TPP ""opinion influencers"" don't speak to me or you will be flagged as spam.    Edit: spelling"


"Stock price is set to the price with the highest transaction volume at any given time.  The stock price you cited was only valid in the last transaction on a specific stock exchange. As such it is more of an ""historic"" value. Next trade will be done with the next biggest volume. Depending on the incoming bids and asks this could be higher or lower, but you can assume it will not be too far off if there is no crash underway. Simple example stock exchange:"


If you expect to pay tax on dividends move dividend producing assets into your ISA. If have a lot of investments you can Look at Zeros (zero dividend preference share) issued by splits  (split capital trusts), https://en.wikipedia.org/wiki/Split_capital_investment_trust


"People act like lawsuits are the end of the world, her suing shouldn't be considered a threat, it should be considered the accurate course of action to resolve contractual obligations. Of course, it would be convenient if she did nothing at all!  If you believe her real goal is to ""get it off her credit"", then have her come refinance with you. This will give you the opportunity to not have her on it and you to get different terms. Of course, if your credit still is poor then this option also exacerbates the inconvenience. None of the options sounds like they will ruin your credit (unless you are scrounging for cash through credit facilities to pay her off). You have several completely benign options available."


Yeah, that's what I hear.  I was mostly just screwing around today.  I'm an options trader which allows me to make a bit higher returns.  I really don't like the setup interface this thing uses, and I ended up just trading market orders for the hell of it all day.  I made about 3% today. Still learning the interface and how to maximize use.


I assume having real estate in a good popular city is much more secure way of keeping money than having it in a bank account Not at all!  Many things can go wrong with rental property. Renters can be late on rent, they can cause damage to property, you can have unexpected repairs. I'm not saying that you should just let it sit, but rental property is not risk-free my any means. Are you prepared to be a landlord as a part time job (for 500/mo?).  Rental property is not passive income - it takes work to maintain.  You can outsource this to a property manager, but that eats into the 500/mo that you are estimating). I want to stay flexible and have a possibility to change my location whenever I want. That's a perfectly reasonable reason not to buy a home, but what will you do with the rental when you move? It will still need maintenance, you'll still need to interact with renters, etc. I'm not saying you shouldn't do this, but I get the feeling that you are not fully aware of the risks involved in rental properties.


You can also use ICS<GO> on Bloomberg and choose the right category (many subcategories, probably you'll start on home builders or something like that). If that doesn't work, press F1 twice and ask it to an analyst. I'm sure they have this info.


There is a funny story about that.  If you were visiting Apple and Jobs was taking you to lunch in the cafe - he would insist on paying.  Employees, get to checkout and have their badge scanned and the cost of the food is deducted from their paycheck.  So why did Steve always insist on treating for lunch?  He was enjoying all he (and guests) could eat for $1 a year.


My statement doesn't need a source.  CEOs are literally people that are in charge of entire companies.  Not everyone can do that.   You, on the other hand, provided a statement with out any information to back it up.  When you try to refute an argument with facts you need to give a source.  I'm not going to try to prove you're right.  If you're going to contradict someone, give them sources.


You are grossly wrong.   COL differences are nowhere that big.  Especially for a younger person, for which buying a house is not on the table.  I've done the math - I had to, as I received a bay area offer.    The cost of most of the things you spend money on (travel, household items, material goods) will hardly change.  It's only housing, which is not a big enough of a expense to come even close to your outlandish claim.   I'm tired of people who have no cold hard facts and simply parrot what they've heard elsewhere regarding this situation.  If you don't know what your talking about, it's best you keep your mouth closed.


Mainly because I have it and you don't, I can make you do stuff for it because more of us perceive its value than bother about the paper you are holding.   Picture if you will a moment in time, when the paper you are holding, represented the amount of gold you had at home, as time went by you spent all your gold and the amount the paper represented, became less and less and the amount of lunch you could buy with it became less and less.  Today the day has arrived, that you have no gold left and what your paper represents is an empty coffer . .  Move along . .people who can pay for their lunch are waiting and look, the paper they hold represents gold they have.


hell even the gulf arab states are doing...well they are somewhat functional.  Canada doesn't suffer from a curse. Australia produces nothing but commodities yet still does well.  Japan has no resources. korea doesn't either, were colonized and still have done decently.   look at the difference between Haiti and DR. same land. but the Dominicans aren't really black.


When I moved banks.  I had my old bank cut a cashier's check.  It isn't a check you write. They write it and give it to you.  I then took the cashier's check to my new bank to deposit it.


Our seasonal worker program is broken. Only 5% of foreign farm workers use it and the rest come illegally because it's impossible to clear the system. If we had something in place to easily get people in and out of the country to work the fields I would agree but that system for us doesn't exist.


"1. Transcript: http://www.henrygeorgeschool.org/uploads/Smart_Talk_Transcript_Interview_Roberts_v02.pdf      Source: http://www.henrygeorgeschool.org/Smart_Talk_TV.html  2. (a) ""[The Social Responsibility of Business is to Increase its Profits](http://www.colorado.edu/studentgroups/libertarians/issues/friedman-soc-resp-business.html)"" by Milton Friedman, published on 13 September 1970: http://www.colorado.edu/studentgroups/libertarians/issues/friedman-soc-resp-business.html       Mirror: http://web.archive.org/web/20030130073709/www.colorado.edu/studentgroups/libertarians/issues/friedman-soc-resp-business.html      (b) ""[Maximizing shareholder value: The goal that changed corporate America](http://www.washingtonpost.com/business/economy/maximizing-shareholder-value-the-goal-that-changed-corporate-america/2013/08/26/26e9ca8e-ed74-11e2-9008-61e94a7ea20d_singlePage.html)"" by Jia Lynn Yang, published on 26 August 2013: http://www.washingtonpost.com/business/economy/maximizing-shareholder-value-the-goal-that-changed-corporate-america/2013/08/26/26e9ca8e-ed74-11e2-9008-61e94a7ea20d_singlePage.html  3. http://www.reddit.com/r/politics/comments/1kpbd6/oligarchic_tendencies_study_finds_only_the/cbrhf0y  4. http://www.reddit.com/r/technology/comments/28yio0/tech_industry_job_ads_older_workers_need_not_apply/cifoej1  5. ""[The West on the wrong path: In view of the events in Ukraine, the government and many media have switched from level-headed to agitated. The spectrum of opinions has been narrowed to the width of a sniper scope. The politics of escalation does not have a realistic goal -- and harms German interests.](http://www.handelsblatt.com/meinung/kommentare/essay-in-englisch-the-west-on-the-wrong-path/v_detail_tab_print/10308406.html)"" by Gabor Steingart, published on 8 August 2014: http://www.handelsblatt.com/meinung/kommentare/essay-in-englisch-the-west-on-the-wrong-path/v_detail_tab_print/10308406.html      Source: http://www.handelsblatt.com/meinung/kommentare/essay-in-englisch-the-west-on-the-wrong-path/10308406.html      Via: http://www.handelsblatt.com/meinung/kommentare/politik-der-eskalation-der-irrweg-des-westens-/10308844.html"


Ya BK is definitely not the enemy here.  It was a smart business decision and if the US doesn't want to lost key businesses and industries to overseas they need to work with companies to come up with a tax structure that's realistic rather than charging damn near half for the top tier marginal rate and calling companies unAmerican for wanting to leave.


"Plenty!  Following are just a few: For things like RESP and RRSP which have an ""end"" date; as you or your children age, you should be migrating to less speculative investments and more secure ones.  When children are young, for example, you might be in a ""growth"" type fund.  Later on, you would likely want to switch that to an ""income"" fund, which is also more conservative and less likely to lose principal. Are you getting the best benefit from your credit cards?  Is there another card with benefits that you would get more ""back"" from using?  Is that fee-based Air miles card worth it?  Is cash-back better for you? If you have regular investment withdrawals, can you increase them?  Do you like the plan they are going in to?  Similarly look over any other long-term debt repayment.  Student loans, car loans, mortgage.  What is coming up this year, what is ""ending"".  If, for example, car payment will end, how will you earmark that money, so it just does not disappear into general funds. While you could go over things like these more often, once a year should be plenty often to keep tabs and not obsess. Good Luck!"


I am in the same boat as this guy. Laugh all you want, but I am not racist either. I love what African-Americans have done for our country. Their culture has made a HUGE impact on our country. But to suggest there aren't MAJOR issues facing their community and to suggest America would be same if Anglo-Saxons had not been running the show for the last 200 years, is naive. While we try to figure out how to solve the problems that plague our African-American community, we need to be careful. Let's encourage the efforts of people who made our country great over the actions of people who make our country not so great


Lotto Playing To Win is the top source for Lottery strategy in the USA. We have turned thousands of lottery losers into winners and made hundreds of people rich. We are the only lottery systems that have been credited with winning dozens of first prize lottery lotto jackpots. If you want to many strategies for winning the lottery then you should read the Lotto Playing to Win E-Book. You can get this book on our website lottoplayingtowin and you can order online.


You need to keep in mind that there's an exemption amount of more than $5M (five million) dollars for estate tax. Unless you used all of it for gifts during your life time, it will more than cover all of your $70K estate, so there's no need in any additional planning. As to Roth vs Traditional IRA - if you want to leave something to your siblings, leave them the Roth. Why would you give the taxable income to your siblings when you can give them the nontaxable one? Charities are tax exempt anyway.


"Daniel covered the correct way to file on the returns, I'm chiming in specifically to discuss the question of whether it could be a gift. The IRS will classify it as a tip even if the person giving it says it's a gift if a service was rendered before the gift was given. The only way that you could make a case to the IRS that it was a gift is if you have a personal relationship outside of the working environment, and the person giving the gift provides an explanation for the motivation behind the gift.  Such explanations as ""Happy Birthday"" or ""Congratulations on graduating"" or other special occasions could be gifts. But ""you did a good job, and I just want to reward you for your effort"" is not a reason someone gives a gift, and the IRS will penalize you if you do not have evidence that it was a gift rather than a tip."


[Evidence?](http://governmentisgood.com/articles.php?aid=17)  What you are asking for is evidence based on theoreticals.  You can’t have that evidence unless it has actually been tried.  So what you get instead is the same thing we see in Congress: a discussion of theoreticals.  The biggest problem is the way we react to taxes changed based on the current circumstances we are in.  Our circumstances have yet to repeat themselves.  We are s relatively young country.  Good luck finding evidence to support either side.  Instead, look for and debate good arguments from each side.


"> Thank you for the wealth of information!  Sure, I hope my opinions are food for thought.  > 1) Does that basically translate to ""less tax on poor/wealthy...to promote entrepreneurship?  No, your typical entrepreneur is a smart, disgruntled employee who thinks they have a better way to do a job.  If you want more entrepreneurs, you should do things to help them succeed in a new company and minimize the risk.  Some ways to do this:  * Create a government agency that offers programs that help new companies.  Guidance and funding are obvious candidates.  Advertising for small local business would help too.  One of the most important would be getting complementing talent together because a start-up needs the talents of at least four different people to have a good chance of succeeding.  * Establish guaranteed health care.  A 40-something with a wife and kids may have a great idea but can't risk to leave his family with no health insurance for the two years it would take to get his idea off the ground.  * Better enforce anti-trust law.  I believe small companies are stifled by big companies because the latter control too much of the market.  If you want competitive markets you need to either break-up or handcuff and monitor the big players.  * Create a better safety net.  It is a lot easier to go on your own if you know at least you won't starve.  > 2) Rich using money to grow their own wealth. But wouldn't that mean as a byproduct, jobs will be made?  In theory, yes, but I believe in practice the opposite happens.  Big companies can make significantly more money hoarding their market share rather than branching into new markets.  Here's a true story of my last company with names changed:  Company A makes widgets.  Company B makes bookkeeping software for tracking widgets and is very successful, controlling a majority of the market.  Company A buys Company B at an inflated price.  The government allows the sale on the condition that Company A does not use Company B's information on the widget market to gain an unfair advantage.  Company A agrees and the buyout takes place.  Company A then approaches all of Company B's customers and says, ""Let us look at the data on your bookkeeping software and we will give you a 5% discount.""  Most customers agree so Company A now has all the data controlled by Company B but this is not illegal because they got it from Company B's customers, not company B.  Company A proceeds to undercut the market because it now knows exactly how much their competitors widgets sell for.  Company A now controls a majority of the widget market and their market share continues to grow rapidly.  By the way [here is that Bloomberg article I described earlier about repatriation being about buyouts](https://www.bloomberg.com/gadfly/articles/2017-05-08/theory-of-tax-repatriation-is-better-than-the-reality).  >>  Take home money is used for investment. It isn't.  > 3) I don't think I understand this one at all. Will you rephrase it for me?  The argument is that we need to tax corporations less so they can invest more.  Here's the problem -- investments are not taxed.  A corporation's tax is a percentage of their gross income minus their expenses.  Investment is an expense.  Therefore the more they invest, the lower their tax bill.  If you want companies to invest more, raise their tax rate.  > 4) I did hear from my professor and the educational videos he had shown us that the capital tax is one of the highest among the other OECD nations.  I need to walk back what I said earlier.  The US corporate tax rate is one of the highest.  Does that mean US corporations pay the most tax?  Well, [it's complicated](http://www.npr.org/2017/08/07/541797699/fact-check-does-the-u-s-have-the-highest-corporate-tax-rate-in-the-world).  > ...why can't we just close loop-holes instead of choosing to slash capital tax?  Note that those go in opposite directions.  Closing loopholes would make companies pay more.  Slashing capital tax would have them pay less.  Perhaps doing both would be revenue neutral.  I would be in support of that because I suspect loopholes benefit big companies a lot more than small ones because they have the resources to find and exploit those loopholes.  That said, people in power have been talking for 20 years about ""closing the loopholes"".  They never do.  [CGP Gray has an excellent video explaining why these loopholes are not going anywhere anytime soon](https://www.youtube.com/watch?v=rStL7niR7gs).  > 5) I think it's in each company's best interest to further their own agenda, and that agenda usually means bad for the majority.  Yes, that's a much better way of saying what I meant.  > Thank you in advance for your time.  Sure, thanks for thinking, asking questions, and making up your own mind."


The spot curve (or yield curve) demonstrates the different yields at which bonds of differing maturities are being purchased. When the yield curve is upward sloping, longer maturity bonds are being purchased at higher yields. When it's downward sloping, longer maturity bonds are purchased at lower yields. Keep in mind that yield is inversely related to price, so that a high-yield bond will be at a lower price and vice versa. The spot curve can also be used to determine the forward curve. This is based on the concept that an investor, given two options with identical cash flows, will be indifferent in what to purchase (i.e. their prices should be equal).   To learn more about this, stay here in /r/finance. To learn anything about your actual question, try /r/personalfinance.


This professionally accredited course is designed to help you the confidence and business acumen necessary to develop, position and build businesses in the most strategically effective way. We aim to provide a Business marketing understanding of business analysis, planning, and management, alongside specialist marketing skills, such as understanding customer behavior, developing creative solutions and how to promote competitive advantage.


"Question:  Why is ""negative equity"" on a home such a huge deal? Whether or not your home equity/mortgage balance is positive or negative, it's not like your monthly payments are changing at all, right? Regardless of if you have a mortgage or were renting an apartment, you'd still have to pay to live there, right? If every month you're still going to be out $1000 one or another, some equity is better than no equity right?"


The only thing that comes to mind is a recent HBO Real Sports segment (http://www.youtube.com/watch?v=WDjkbgrgcmo) on a couple of NFL players who blew all of their money.  Seeing how they've ended up might make the right impression, but given that your brother ran up $148K in debt, I'm not optimistic.


Stuart MacFarlane Jungian Analyst Stuart MacFarlane, a psychotherapist and Jungian analyst, suggests workers try psychotherapy to overcome their sleep troubles. While there are many forms of psychotherapy, it generally involves talking to a therapist to gain a better understanding of yourself to change and overcome your problems.


I have in the last few years purchased several used cars from dealers. They have handled it two different ways. They accepted a small check ~$1,000 now, and then gave me three business days to bring the rest as a cashiers check. They also insisted that I submit a application for credit, in case I needed a loan.  They accepted a personal check on the spot. Ask them before you drive to the dealer. Of course they would love you to get a loan from them.


I suppose you can calculate the rate of return on buying a home in terms of appreciation, expenses, inflation, taxes, etc.  Nothing wrong with that. The method justkt came up with is accurate, but when you get the number out I wouldn't worry if the return is negative. Why?  Because you've lived there and enjoyed the house the whole time (I'm assuming anyway that this is your residence you're purchasing).  If you come out even the slightest bit ahead, congratulations!  You had a free place to live the whole time, plus you made a little money on the deal. If you lost money, then oh well.  You still had a place to live.


I don't know what you're talking about. If anything bankruptcy has become more creditor friendly over the years, which is only logical because business debtors don't really lobby for friendlier bankruptcy rules when they're not planning on being bankrupt. The only difference is that debt is more readily available and a bigger part of doing business today, so you'll naturally see more reorganizations.


"Summary: It's because you are effectively contributing more money in the second case, so you have more money at the end.  The effect of being covered by an employer retirement plan (in the case of a 401(k), that means either you or your employer contributed to it during the year) is that it prevents you from deducting Traditional IRA contributions unless your income is below a very low level (for Single filing status, it phases out at an MAGI of between $62k and $72k). Since you are unable to deduct the Traditional IRA contribution, but you entered that you are still making the full $5500 contribution every year, that means you are making a non-deductible contribution of $5500 every year instead of a deductible contribution. Nondeductible contributions are ""after-tax"", whereas deductible contributions are ""pre-tax"" (because your taxable income is reduced by the amount of the contribution, so you effectively don't pay income tax on the income you used to contribute). $1 of pre-tax money is not the same as $1 of after-tax money. If your marginal tax rate is 25%, then $1 of pre-tax money is equivalent to $0.75 of after-tax money. However, since in both cases you are putting in the same nominal amount of contribution ($5500), but one is pre-tax and one is after-tax, in the after-tax case you are effectively contributing more money, i.e. more money is taken out from your bank account that year. The $5500 pre-tax contribution is equivalent to only $5500 * 0.75 = $4125 after-tax, i.e. you are only short $4125 from your bank account at the end of the year after making a $5500 deductible contribution, whereas you are short $5500 after making a $5500 non-deductible contribution, so it's not a fair comparison. The non-deductible Traditional IRA contributions are not taxed when withdrawn (though the earnings earned from those contributions are still taxed), so that's why you are left with a greater amount. This is a similar situation to what happens when you try to compare a $5500 deductible Traditional IRA contribution to a $5500 Roth IRA contribution -- it will look like the Roth IRA case leaves you with much more money, but that's again because you are effectively contributing more money, because the Roth IRA contribution is after-tax, so it's not a fair comparison. (The Roth IRA case will produce a much greater ""advantage"" than the non-deductible Traditional IRA contribution case, because for a Roth IRA, both the contributions and earnings will not be taxed at withdrawal.)"


But has inflation went up ? The only reason jobs would be lost would be if the cities economy couldn't absorb the inflation .  Since you are now increasing the incomes of every one at the bottom , the city will likely be able to absorb the inflation . The question really is have the people at the bottom increased there spending power over all  and have there been winners and losers for example maybe servers are doing better but retirees and others on a fixed income worse .


The penny pilot program has a dramatic effect on increasing options liquidity. Bids can be posted at .01 penny increments instead of .05 increments. A lot of money is lost dealing with .05 increments. Issues are added to the penny pilot program based on existing liquidity in both the stock and the options market, but the utility of the penny pilot program outweighs the discretionary liquidity judgement that the CBOE makes to list issues in that program. The reason the CBOE doesn't list all stocks in the penny pilot program is because they believe that their data vendors cannot handle all of the market data. But they have been saying this since 2006 and storage and bandwidth technology has greatly improved since then.


"They are similar in the sense that they are transferring money from the company to shareholders, but that's about it. There is different tax treatment, yes, but that's because they are fundamentally different. Dividends transfer money equally to all shareholders, but that also reduces the value of each share by the same amount, since it's cash out the door, which drops the value of the company. Shareholders are taxed on dividends at the capital gains tax rate. A buyback returns the cash to shareholders who decide to sell.  Other shareholders get a secondary benefit of now owning a slightly larger portion of the company since there are fewer shares outstanding.  Shareholders only pay tax if they sell shares for a gain. It that means when company buyback their stock, the stock price will definitely go up? Not necessarily. It depends on the price that the company buys back the shares for and what the ""opportunity cost"" of that cash is - meaning what else could the company have done with the cash that would have been better? Buybacks often happen in mature companies with undervalued stock prices and fewer opportunities for further investment.  If a company has an intrinsic value of $10 a share but its stock is trading at $8 a share, then it can instantly get a 25% ""return"" by buying back stock.  I use the term ""return"" loosely since the company does not actually profit from the buyback, but from the shareholder's perspective the company is worth more per share."


And that's how we ended up with Detroit. Someone someplace with a almost meaningless existence will always be willing to do it cheaper. Funny thing about creating a society though. Capitalism, often is very counterproductive to creating a society. Checks and balances must be put in place or it will eat itself.


What is your career goal for the CFA? I'm asking because there are quite a few financial careers where to CFA is quite useless. It would be pretty miserable if you wasted your time getting a certification that wasn't helpful.


Disappointing to say the least.  I'd like to see us invest in updating our nuclear reactors and experimenting with MSRs.  I just don't hold out a lot of hope that Solar is going to be the end all, be all.


Even selling isn't riskless. Sure, your house has gained value-- but unless that's due to improvements you made to it, every other house in the neighborhood you might buy has gained value too, so moving might not result in extracting any net value. This is one of the reasons I keep reminding folks that a house is not an investment. It can be a business, if you're renting it out. But if you're occupying it, it is simply housing. If you are lucky you'll make a profit if and when you sell it, but don't count on that.  It does store value, but except for taking loans against that it's had to access that value. And lower loan rates than you'd otherwise pay are not a huge value when you'd save more if you don't borrow at all. The only use I'm making of my house's value is that by taking a very-low-rate mortgage when I could have paid cash I was able to leave more money in my investments -- arguably the safest leveraged investment possible.


Part of his responsibilities being on the board is to have judgment when it comes to selecting good leaders. He failed precisely for this reason.  Unless you think Trump is a good leader, in which case we really don't have anything to discuss.


The other side of this is that businesses can (and do) negotiate to have ratings/reviews removed or altered by the poster.   So the idea that what you're seeing is anything like a real sample of customer sentiment is a fantasy. No negative reviews? Might just mean the business owner actively manages their reputation. Ugly 1-star reviews? May just be an extortion attempt in progress. Want a refund? Just write a horrible review on Yelp, perhaps the business owner will pay to have it removed.


You can buy an Amazon gift card for use later.


1) People aren't always going to be able to do their occupation, or their desired hobby. 2) Government assistance, or whatever you want to call it, is available at a certain age. Some people look forward to this and plan to rely on it, but it isn't really sufficient for living off of and keeping the standard of living you will be used to. Therefore, such situations require you to plan using a variety of other institutions to help you in that time. Finally, more is more: if your retirement funds exceed what you need, you can leave something for your family to help them start at a more stable financial place after you are gone.


I been waiting for this since i was 8 yrs old looking out the window at this parking lot as big as a walmart.   Wondering how they can afford all that overhead while not selling toys? If only they didn't suck at making u feel bad for having parents unable to provide ua $100 toy


It depends on you. If you're not an aggressive shopper and travel , you'll recoup your membership fee in hotel savings with one or two stays. Hilton brands, for example, give you a 10% discount. AARP discounts can sometimes be combined with other offers as well. From an insurance point of view, you should always shop around, but sometimes group plans like AARP's have underwriting standards that work to your advantage.


I'm not pro-union not because of a conservative talking point, but because I think workers should have the choice as to whether they want to join or not.  Most unions are compulsory, not voluntary.  When I worked for Kroger as a summer job, I was forced to join the UFCW (United Food and Commercial Workers).  A part of my meager hourly wage was required to be given to them, yet I did not want to be a member because I would never receive the benefits.  You had to be working for 6 months to be accepted into the union, yet you were forced to pay dues the first minute you began working.


While you're right overall, in this particular case they were issuing the C&D for the use of Mcgregor's trademarks to sell merchandise. The website admitted to using his photos/likeness and his name. So at the very least they should have claim to all sales up to that point, and can try to get a piece of future sales claiming that the initial violations set it all in motion (would probably lose that).    Disclaimer: Im not a lawyer, but I play one on the internet.


"The lady said there wasn't any warning signs, uh hello they sent you $2850 and asked you to then make deposits. I would of just kept it if somebody sent me a ""check"". That's way to trusting for a new survey job."


> Queue the increased prices at the grocery store  Nope, we will eat the rise in cost. Grocery stores are in an all war of attrition and the ones who don't keep prices low are going to lose all their customers.      Really the only thing going up in cost lately that saw a retail raise was Asparagus, but that was due to rain.


"As long as you're willing to pay the taxes and the penalties, once you're no longer employed you're allowed to do whatever you want. You can always do an ""direct roll-over"" (See IRC Sec. 401(a)(31)(A) which mandates this) and then withdraw from another qualified account, thus creating a withdrawal, if they refuse to just mail you a check (Why would they care? Don't know). The match may have some vesting restrictions, though. Your own contributions - are yours to do with whatever you feel like. That said, just pointing out the obvious - it's a very bad idea. Unless you expect to die before you're 60 and don't want to leave a dime to your heirs, you would probably be better off leaving it in a tax-sheltered account. If the custodian is bad - just roll over elsewhere, there's tons of excellent IRA providers."


There's a ton of great advice here.  It's very challenging to come up with something that hasn't already been suggested.  I'm curious to know how many years you have left to pay down the mortgage at the regular rate of payment.  If it's more than 15 years, it might be worthwhile to consider refinancing your mortgage to a shorter term (15 years or even 10 years if your income supports it).  Rates on fixed-interest mortgages at those terms are down in the 3% range and lower (at least according to bankrate.com).  Refinancing to a shorter term would be another way of paying off your home faster (with fewer of those dollars going toward interest payments). If you've got fewer than 15 years left to pay off your mortgage, following any of the other advice you've received here should keep you in great financial shape.


Diversifying is the first advice given to beginner in order to avoid big loss. For example in 2014 the company Theranos was really appealing before it fail in 2016. So a beginner could have invest ALL his money and lose it. But if he has deverified he wouldn't lost everything. As an investor goes from beginner to experience some still Diversify and other concentrate. Mostly it depends how much confident you are about an investement. If you have 20 years of experience, now everything about the company and you are sure there will be profit you can concentrate. If you are not 100% sure there will be a profit, it is better to Diversify. Diversifying can also be profitating when you loose money: because you will pay tax when you earn money, if you diversify you can choose to loose money in some stock (usually in december) and in this way cut your taxes.


Vale Do Lobo is a premier resort located in Algarve. It offers a comprehensive range of facilities and activities for the vacationers. There are most luxurious and a comfortable staying option then the Holiday Properties In Vale Do Lobo. There are many Villa rentals in Vale Do Lobo available at reasonable rentals offering all comforts and luxuries during the stay in Vale Do Lobo. http://simplyalgarveltd.blogspot.com/2017/05/select-suitable-villa-rentals-in-vale.html


>I want a guy who has spent 20 years in such a blue-collar job to be able to earn as much as a computer programmer who only graduated a couple of years ago.  So you want low skill jobs to pay more than high skill jobs based solely on seniority. Do some research into the Italian or Spanish economy. That's pretty much what you advocate. It's a terrible idea that would probably destroy the US economy.


Spinal pain may be caused because of some reasons like disturbed or damaged nerves, tensed muscles and so on. Dr. Vyom bolia started small Physiotherapy clinic by in 2008. In healthline, we have 30 physios, yoga and professional trainers. They are giving best treatments to their patients.http://healthlineudaipur.com/gallery.php#Spine-Specialist-in-Udaipur


As I understand it, capital gains from real estate sales in India can be shielded from income tax entirely if the proceeds of the sale are invested in certain specific types of bonds (Rural Highway Contruction Authority of India?) for a period of three years beginning no later than x months (6 months?) after completion of the sale. Perhaps this applies to sales of inherited real estate only and not to commercial property or residential property acquired by purchase since there is no step-up of basis on death as occurs in the US, and in all likelihood, records of the purchase price of the inherited property are lost in the mists of time, and so the basis of the investment is effectively zero (or treated as such by the revenue authorities) The interest paid by these bonds is included in taxable income. Perhaps @Dheer will be willing to correct any mistakes in the above. So, it may be necessary to check whether (a) the interest income from the bonds was declared on Form 1040 Schedule B for each year (b) whether the appropriate boxes (the ones that ask whether the taxpayer has signature authority over foreign accounts etc) were checked on Schedule B or not, (c) whether Form TD 90-22.1 was filed each year or not (this is the FBAR requirement) Note that if the total value of the accounts is less than US $10K during the entire year, then the taxpayer is supposed to check NO on Schedule B and need not file Form TD 90-22.1.  Also, there is a separate requirement to file a Form 8938 for certain specific types of investments.  There was a two-part article describing these rules in Forbes magazine some time ago, and this is available on-line (Part 1 and  Part II) As @superjessi says, the IRS might be lenient if the only issue is not filing the forms in timely fashion, and the taxpayer is voluntarily coming into compliance even though the filing is late. They are likely to be less  forgiving if the foreign income was not reported, and still remains unreported even after filing the various forms.


"A little terminology: Grant: you get a ""gift"" with strings attached. ""Grant"" refers to the plan (legal contract) under which you get the stock options. Vesting: these are the strings attached to the grant. As long as you're employed by the company, your options will vest every quarter, proportionally. You'll become an owner of 4687 or 4688 options every quarter. Each such vest event means you'd be getting an opportunity to buy the corresponding amount of stocks at the strike price (and not the current market price which may be higher). Buying is called exercising. Exercising a nonqualified option is a taxable event, and you'll be taxed on the value of the ""gift"" you got. The value is determined by the difference between the strike price (the price at which you have the option to buy the stock) and the actual fair market value of the stock at the time of vest (based on valuations). Options that are vested are yours (depending on the grant contract, read it carefully, leaving the company may lead to forfeiture). Options that are not vested will disappear once you leave the company. Exercised options become stocks, and are yours. Qualified vs Nonqualifed - refers to the tax treatment. Nonqualified options don't have any special treatment, qualified do. 3.02M stocks issued refers to the value of the options. Consider the total valuation of the company being $302M. With $302M value and 3.02M stocks issued, each stock is worth ~$100. Now, in a year, a new investor comes in, and another 3.02M stocks are issued (if, for example, the new investor wants a 50% stake). In this case, there will be 6.04M stocks issued, for 302M value - each stock is worth $50 now. That is called dilution. Your grant is in nominal options, so in case of dilution, the value of your options will go down. Additional points: If the company is not yet public, selling the stocks may be difficult, and you may own pieces of paper that no-one else wants to buy. You will still pay taxes based on the valuations and you may end up paying for these pieces of paper out of your own pocket. In California, it is illegal to not pay salary to regular employees. Unless you're a senior executive of the company (which I doubt), you should be paid at least $9/hour per the CA minimum wages law."


This. Ivy League students are simply more likely to be given these positions of power that let people get away with bending the rules in a big way. I think the vast majority of the students have benevolent or even altruistic motives, and often get twisted by a corporate culture later in life.   Source: Harvard student. Most of us don't want to go to Wall Street anyway.


Well, you could probably say that the modern tax & regulatory system is the main cause.  ...for instance, in 2001-02, the Bush tax cuts reduced the dividend tax rate from 28% to 15-20%, which is pretty substantial, at least, if you pay yourself that way from owning a company.  So, as he said, if dividend tax rates are low, then well, people will pay themselves more dividends.  Of course, there are many other factors, such as deregulation & anti-trust, etc., but the dividend & capital gains is a big factor.


"People seem to think that Yelp serves businesses or the public.  It doesn't.  It serves Yelpers.  Yelpers want reviews from other Yelpers – and that's it.  If you don't review things frequently on Yelp, they don't care about your opinion.  Sorry.  Nothing personal, but this website is only interested in reviews from people who use the site frequently.  You might be the most upstanding person in the world, and you might post a great review of a business, but this isn't your blog.  You're not entitled to have the world see your review here.  They only want the opinion of regular Yelpers.  If you want to be a part of the Yelp community, keep making reviews, and they'll un-filter your reviews.  There are people who say that businesses that pay Yelp get more reviews, but it's not true.  The article even states that she was paying $350/month *before* these reviews got filtered out.  The article also says a court case against Yelp was thrown out because there was no evidence showing bias.  People who claim this are just butt-hurt and want to justify their bias by claiming that Yelp is greedy and unscrupulous.  The fact of the matter is this: Yelp has a powerful community.  Business owners see Yelp as possibly affecting their business.  They want to have control over that, but they can't.  In fact, Yelp goes out of their way to prevent that.  Many business owners simply aren't mentally capable of grasping how some things work, and when things don't go their way, they get angry and make accusations.  This particular woman, who is currently taking 3 hours of ""social media classes per week"" (WTF), thinks “there maybe needs to be some rules on the net that aren’t there now.”  No offense lady, but you probably shouldn't be writing internet laws until you're done with your ""internet for dummies"" classes.  You might think that this is not a good model for a review website.  If so, don't use it.  It's not a government institution and you're not obligated to use it.  Go find another review site.  Better yet, if you think Yelp is so horrible, go make your own review website that allows anyone to review things.  I'm sure it will be great and everyone will love it.  Whatever you choose, stop trying to ruin Yelp.  The people who use it like the way the it is and don't want some butt-hurt non-users fucking it up."


Shhh, all of these lists are stupid bullshit so that executives can pretend that the issues aren't related to wages, benefits, time off, unpaid overtime, but instead the issue is to look at your employees like a bunch of whiny teenagers that just need some direction and a slap on the back once in a while.


Investopedia defines it in the following way: It's essentially a market order that doesn't get entered until the last minute (or thereabouts) of trading. With this type of order you are not necessarily guaranteed the closing price but usually something very similar, depending on the liquidity in the market and bid-ask for the security in question. Traders who believe that a security or market will move more heavily during the last few minutes of trading will often place such an order in the hopes of having their order filled at a more desirable price.


I've learned that it's now much more expensive to buy so early.  We're looking at the eastern caribbean for our anniversary in November, been pricing for two months and they keep going down.  I check everyday and the day I see them go up again is the day I will buy.


"WF has trust in certain customers.  I doubt that they will lose that trust by lowering prices, and they will probably gain other customers as well.  The thing you should probably do before making your judgements is to realize that the CEO of Amazon is probably a pretty smart person and he has access to information that you don't.  So maybe you should lean on the side of ""Wait and See"" before making any judgements to a certain move."


"There are a few sites out there that can give you some reasoning behind the request. LegalZoom, for instance.  To quote the LZ doc in case the link dies: Employee vs. Independent Contractor If a worker is an employee, the employer is responsible for paying   Social Security, unemployment insurance, Medicare, and possibly other   costs like workers' compensation insurance for the employee; at the   end of the tax year, the employer is responsible for compiling all   necessary payroll reports, including W-2 forms. If a worker is an independent contractor, the employer is not   responsible for any of the above taxes or payments, and the only added   paperwork is the issuing of a 1099 to the independent contractor at   the end of the tax year, if he or she has made more than $600 with the   employer. As Kent suggested, you should speak with an attorney (really you need one if setting up an LLC). There are a lot of companies out there these days that try to classify people as contractors rather than full-time employees as it gets them out of paying benefits and dealing with taxes. This is being heavily cracked down on, and several ""contractor"" employees are winning lawsuits to get full-time status.  If you are truly acting as a contractor, then setting up an LLC can help with a few items such as taxes and protection on certain business aspects (see comments below regarding this). It's easy and relatively cheap (cost me about $250 with extra legal advice tacked on). If you are reporting directly to a manager with the company, or really working in any way that isn't consistent with the definition of a contractor, then I'd turn down the offer and ask to be made a FT employee.  Additional information: https://www.sba.gov/content/hire-contractor-or-employee"


Just gotta weigh that against any perceived benefit. Regardless, I wouldn't personally use a static salt alone, because that would lower security dramatically if it was ever discovered. Creating a single rainbow table using a known static salt is much easier than 100 million with unique salts. It's a gamble whether they're dumping your database from an exploit that would give them access to that information.


Visa, Mastercard have very strong consumer protection. I have been wondering about this question for a while but never got around to asking it here: What happens if a retailer knowingly defrauds me? My guess is the first party to ask for help is Visa, Mastercard: a retailer knowingly defrauding you is unlikely to refund you any money. However, slip-ups do happen. If this is a retailer of good repute, they will not only refund you the money but send you a gift card too! Please do followup this post with what helped you in the end, but my guess is, your first (and last) line of defense would be Visa, Mastercard. Anything that would go through the bank would take such a lot of time and effort, that you would be better off writing it off.


I'm sorry to hear that.  Some people do just get shit on occasionally.  But my point was that there's only one factor in that equation you have any control over, so that's the important one to focus on.  Blaming bad luck is like blaming goblins; it might make you feel better, but it can't actually help, and may even redirect useful energies into fruitless pursuits.


NAFTA affected U.S. workers in four principal ways. First, it caused the loss of some 700,000 jobs as production moved to Mexico. Most of these losses came in California, Texas, Michigan, and other states where manufacturing is concentrated. To be sure, there were some job gains along the border in service and retail sectors resulting from increased trucking activity, but these gains are small in relation to the loses, and are in lower paying occupations. The vast majority of workers who lost jobs from NAFTA suffered a permanent loss of income.  Second, NAFTA strengthened the ability of U.S. employers to force workers to accept lower wages and benefits. As soon as NAFTA became law, corporate managers began telling their workers that their companies intended to move to Mexico unless the workers lowered the cost of their labor. In the midst of collective bargaining negotiations with unions, some companies would even start loading machinery into trucks that they said were bound for Mexico. The same threats were used to fight union organizing efforts. The message was: “If you vote in a union, we will move south of the border.” With NAFTA, corporations also could more easily blackmail local governments into giving them tax reductions and other subsidies.  Third, the destructive effect of NAFTA on the Mexican agricultural and small business sectors dislocated several million Mexican workers and their families, and was a major cause in the dramatic increase in undocumented workers flowing into the U.S. labor market. This put further downward pressure on U.S. wages, especially in the already lower paying market for less skilled labor.  Fourth, and ultimately most important, NAFTA was the template for rules of the emerging global economy, in which the benefits would flow to capital and the costs to labor. The U.S. governing class—in alliance with the financial elites of its trading partners—applied NAFTA’s principles to the World Trade Organization, to the policies of the World Bank and IMF, and to the deal under which employers of China’s huge supply of low-wage workers were allowed access to U.S. markets in exchange for allowing American multinational corporations the right to invest there.  Please thank Bill Clinton.


Security guards usually come in handy for safeguarding a commercial or residential mansion or simply managing the crowd at a private or corporate event. Robuck Security can provide security guards in Melbourne for short-term as well as long-term requirements. Our security guards are trained in their duties to perform mobile patrolling, taking up concierge desk or customer service and much more. Give us a call to hire our diligent security guards right away!


Had a conversation 2 days ago about a centralized bank for bitcoin. He said it would defeat the purpose of the coin, however I argued as it becomes more mainstream, people will want the security that's added by a mediating entity.


There is another factor to consider when refinancing is the remaining term left on your loan.  If you have 20 years left, and you re-fi into another 30 year loan that extends the length that you will be paying off the house for another 10 years.  You are probably better off going with 20, or even 15.  If this is a new loan, that is less of an issue, although if you moving and buying a house in a similar price range it is still something to consider.  My goal is to have my house paid off before I retire (hopefully early semi-retirement around 55).


You keep addressing irrelevant points. You're advocating an incompetent business with an inefficient model to continue running just to keep people employed. You're further assuming that they'll stay unemployed and no other, more efficient firm will capitalize on the niche that opened up with sears' passing.   Don't let emotions stomp on logic.


"> It's only deceptive if you literally don't think about it at all.  That's literally what the intent is in the aggregate. most people don't think of the task at hand when they are doing menial tasks like buying food.   > Obviously a chicken meatball isn't 100% chicken. Then it would just be ground chicken.  I disagree that it's all that obvious to most people how a meatball is made. I know because I also know how to cook but a lot of people don't know that. The usage of ""made with 100% chicken"" is absolutely a lie by omission. what else would it be made from if it's made from chicken? If it's not 100% or near 100% chicken there should not be labeled 100%... you should be able to say ""made with real chicken"" or ""contains real chicken"" or something like that but not put a label with 100% on it because that is just 100% there to mislead."


You can take a queue from any sales opportunity and position it in ways that will still appeal to someone who intends to continue working perpetually. Here are some of the points I would make: 401k matching funds are free money that you will have access to in ~20 years whether you retire or not. Long-term savings that grow in the stock market turn into residual income that will add to your standard of living whether you retire or not. There are tax advantages to deferring income if you are in a high tax bracket now. You will have flexibility to withdraw that money in future years where you might have lower earnings. (For example, in a future year, you could take a sabbatical trip to Europe for a few months without pay and draw on your savings during that time that you are not making money.) Even if you don't invest in a 401k, you and max out HSA accounts if you are eligible, and position that as money for medical expenses. If you never have medical reasons to spend that money, you can still withdraw at retirement age like a 401k or IRA. (Though it gets taxed as income if not used for qualified medical purposes at retirement time.) With an unwilling partner, it's difficult to make a lot of progress, but if you have matching funds from your employer, do make sure that you are getting at least those for yourself. Ultimately if he doesn't want to save for himself, you should for yourself. There are no guarantees in life. If he dies or leaves, you must be prepared to take care of your own needs.


getting experience is still my first goal, but i've already been turned down for some jobs that i would have never dreamed of not being qualified for, so even getting anything to put on my resume is a challenge right now.  i never did any internships in college.  if i find a mr. goodyogurt i'll smack him in his one-upping head.


>It wasn't worth the 5 bucks, for me. I got bored about 1/3 of the way through, although most everyone else seems to have really enjoyed it. > >... I also haven't mentioned whether or not I enjoyed any of his other material, essentially whether or not I'm a fan.  FTFY.


"Oh look, the cockroaches have crawled out of the gutter to wage financial war.  Lets just refresh our memories, are you not the fucking assholes who were rating every piece of shit the banks produced AAA, along side the banks you were the core architects of the Global financial crisis and proved unable to rate even a dead cow, if memory serves. And when asked what the fuck you were smoking your answer was  ""We did not know""  The fundamental reason for your existence was to know  And inspite of that, the Junk Toxic shit the Fed bought was still rated AAA by you so the Fed paid Top Taxpayer dollar for worthless shit.   Yet here you are . . passing sovereign ratings . .well ok  The fastest growing debt for China is US treasuries . . .so that would mean US debt is bad and the Orange orangutan is going to, as predicted, Default.  I think your time would be better served, evaluating the assets the Fed is going to unwind in October  . . .That is US $ 4.5 Trillion of cow shit you help create, how about you get to work and tell us whats what before the only thing America's food stamps can buy is Radio active grass."