"It depends on the volatility of the underlying stock. But for ""normal"" levels of volatility, the real value of that option is probably $3.50! Rough estimates of the value of the option depending on volatility levels: Bottom line: unless this is a super volatile stock, it is trading at $3.50 for a reason. More generally: it is extremely rare to find obvious arbitrage opportunities in the market."


I know this is broad, but this isn't a scam -- it's a   workshop/educational thing about teaching people of investing in the   real estate market, and how to profit The scam is that the free or cheap class doesn't give you enough info to make money; so they sell you a more advanced and expensive class that gets you almost enough info; but the goal of the 2nd class is to get you to pay for the specialized seminar and coaching sessions that either fail to materialize or  are so basic they aren't worth the money.


Billshrink offers some pretty neat analysis tools to help you pick a credit card. They focus more on rewards than the features you mention but it might be worth a look. If you use Mint, they offer a similar service, too. If you're not already using Mint, though, I'd look at Billshrink as Mint requires some extensive setup. MOD EDIT  Looks like billshrink.com is shut down.  From their site: Dear BillShrink customer, As you may have heard, BillShrink.com was shut down on July 31, 2013.   While we’re sad to say goodbye, we hope we’ve been able to help you be   better informed and save some money along the way! The good news is   that much of the innovative award-winning BillShrink technology will   still be available via our StatementRewards platform (made available   to customers by our partnering financial institutions). Moreover, we   expect to re-launch a new money-saving service in the future. To see   more of what we’re up to, visit Truaxis.com. We have deleted your personal information as of July 31. We will   retain your email address only to announce a preview of the new tool.   If you do not want us to retain your email address, you can opt out in   the form below. This opt out feature will be available until September   31, 2013. If you have already opted out previously, you do not need to   opt out again. If you have any further questions, contact us at   info@billshrink.com. Thanks, The BillShrink/Truaxis Team


You don't have to create a PayPal account in order to buy from a merchant that uses PayPal for processing their payments.  You can use your credit card just like with any other purchase. Creating a PayPal business account is, as you say, mainly for businesses wanting to accept payments, not make them.  PayPal doesn't require you, the customer, to have an account just to make a payment to a merchant.  We have dozens of customers a day make purchases through us using our PayPal account (we're small), and for them the main attraction to using PayPal to pay us is that PayPal has pretty good security and offers some very good customer protections against fraud.  They don't have to create a PayPal account just to pay us, though. When you create a PayPal business account, you link a bank account to it that they verify, then they issue you a PayPal MasterCard, which is a debit card that links to your PayPal account.  When you make purchases, if the funds are in your PayPal account (because, for instance, you're using PayPal as your merchant processor) then the payment is deducted from that.  If there's no money in your PayPal account then PayPal simply debits the bank account you linked with them, no differently than if you were to use your bank's debit card. In this instance, if you don't plan to use PayPal for merchant processing then there's no real reason to open a business account.  It doesn't have any advantages over your bank's debit card and, IMHO, just adds another layer of complexity and paperwork to your accounting for no identifiable benefit. I hope this helps. Good luck!


Both states will want to tax you. Your tax home is where you maintain a domicile, are registered to vote, etc. and you will probably want to keep this as MA since you state that MA is your permanent residence and you are staying in a rented place in PA. But be careful about voter registration; that is one of the items that can be used to determine your state of residence.  OK, so if you and your spouse are MA residents,  you should file jointly as residents in MA and as nonresidents in PA. Do the calculations on the nonresident return first, and then the calculations on the resident  return. Typically, on a nonresident tax return, the calculations are effectively the following: Report all your income (usually AGI from the Federal return).  Call this $X. Compute the PA state tax due on $X.  Note that you follow the rules for nonresidents in doing this, not the calculations used by PA residents. Call the amount of tax you computed as $Y. What part of the total income $X is attributable to PA sources? If this amount is $Z, then you owe PA $Y times (Z/X). On the resident return in MA, you will likely get some credit for the taxes paid to PA, and this will reduce your MA tax burden. Usually the maximum credit is limited to the lesser of actual tax paid to PA and what you would have had to pay MA for the same income. As far as withholding is concerned, your employer in PA will withhold PA taxes as if you are a PA resident, but you can adjust the amount via the PA equivalent of IRS Form W4 so as to account for any additional  tax that might be due because you will be filing as a nonresident.  Else you can pay estimated taxes via the PA equivalent of IRS Form 1040ES. Similarly, your wife can adjust her withholding to account for the MA taxes that you will owe on the joint income, or you can pay estimated taxes to MA too. Note that it is unlikely that your employer in Pennsylvania will withhold  Massachusetts taxes (and send them to Massachusetts) for you, e.g. if it is a ma-and-pa store, but there may be special deals available if  your employer does business in both states, i.e. is a MA-and-PA store.


> That means people don't buy cars as often  True.  > as they are not as financially able to anymore.  How do we know that's the reason?  There's also more used cars in the wild now, and cars tend to last a lot longer than they used to.


"In summary: In long form: Spreads and shorts are not allowed in cash accounts, except for covered options. Brokers will allow clients to roll option positions in a single transaction, which look like spreads, but these are not actually ""sell to open"" transactions. ""Sell to open"" is forbidden in cash accounts. Short positions from closing the long half of a covered trade are verboten. Day-trading is allowed in both margin and cash accounts. However, ""pattern day-trading"" only applies to margin accounts, and requires a minimum account balance of $25,000. Cash accounts are free to buy and sell the same security on the same day over and over, provided that there is sufficient buying power to pay for opening a new position. Since proceeds are held for both stock and option sales in a cash account, that means buying power available at the start of the day will drop with each purchase and not rise again until settlement. Unsettled funds are available immediately within margin accounts, without restriction. In cash accounts, using unsettled funds to purchase securities will require you to hold the new position until funds settle -- otherwise your account will be blocked for ""free-riding"". Legally, you can buy securities in a cash account without available cash on deposit with the broker, but most brokers don't allow this, and some will aggressively liquidate any position that you are somehow able to enter for which you didn't have available cash already on deposit. In a margin account, margin can help gloss over the few days between purchase and deposit, allowing you to be somewhat more aggressive in investing funds. A margin account will allow you to make an investment if you feel the opportunity is right before requiring you to deposit the funds. See a great opportunity? With sufficient margin, you can open the trade immediately and then run to the bank to deposit funds, rather than being stuck waiting for funds to be credited to your account. Margin accounts might show up on your credit report. The possibility of losing more than you invested, having positions liquidated when you least expect it, your broker doing possibly stupid things in order to close out an over-margined account, and other consequences are all very serious risks of margin accounts. Although you mentioned awareness of this issue, any answer is not complete with mentioning those risks."


It's also not like Audi, Mercedes, and BMW will idly sit by and watch as Tesla feasts on that market share either.  Should be interesting to see how they try to compete with Tesla in a market where price matters less and image is more.


Triggered?  Did i attack you personally insult you or saying anything that was a charged statement?  I'm pretty certain i simply talked about the subject and what it means for consumers.  If i insulted you or showed any degree of frustration I'm sorry.  I'm not frustrated.  Even though I believe you may be trolling, I'm not upset.  I'm simply putting out correct information.  I hope you understand the principle behind the business move.  Take care.


Eximcorp India Pvt Ltd showcases the products of leading International Wood and Wood product businesses in Australia, Chile, Europe, New Zealand and in Americas. From plantation grown Teak Logs and processed Wood Chips to Lumbers and Gluelam, Composite wood products: Plywood, Fiber Boards, Oriental Strand Board and Particle Board, We have the best of the Wood products range on this planet to distribute in Indian market.


There is a reason why most professional option traders are sellers instead of buyers. Option sellers IMO are analogous to insurance companies that come out ahead in the long run. That is not to say if you are bullish about a stock then you should not buy it. I personally would never buy an option outright and look to reduce my cost basis by selling options around it such as:


If I understand correctly, you're actually asking why there isn't a society whose members generally accept/use any currency for transactions, and just like, Google the exchange rate or something.  The answer is because it's exceptionally inconvenient.  Can you imagine having a wallet with 200 pouches for all the different currencies?  Why would you want to deal with exchange rates all the time?  What if the value of a currency changes?  (A single currency at least has the illusion of being stable).  Et cetera.


The 5% to 6.5% loan rates are a bit high. You'll probably want to pay those off first, and make it one of your priorities as soon as you have a 6-month savings fund. This should probably take precedence over savings for retirement, unless you're giving up a 401(k) match. Pay extra on the highest-interest loan until it's all paid off, then switch to the next one down, and accelerate the payoff as much as you can. If you're looking at a loan at 6% and a payoff date in 8 years or so (2020), am extra dollar paid now will save you ~$0.60. Not a bad return in general, and an excellent return for something that's zero-risk. The other loans, at 2-3%, are different. An extra dollar paid now on a 2% loan will save you $0.17 over 8 years. That's a pretty mediocre return. If you have a good, stable job and good job prospects, and a decent family support network, and few commitments like children and mortgages, and a low cost of living... generally, the things that help you have a high tolerance for risk... then you should consider investing your money in the stock market instead of paying off these loans any earlier than you need to. (Broad index funds and the like, not individual stocks).


Everyone thinks that before buying the home recognize  the condition of the home. In that case we will help you, it is an one most trustable building inspection company in Australia.  We carry out by a very good  inspector, the Assured Building Inspections are the most and  regulatory  property inspections and reports company, which is to be held in your city. We are responsible for overseeing the handiest and green services. It's additionally called Australia's biggest  pre purchasing building inspections. Building inspectors effect the planning and creation ranges of initiatives and check out compliance with building codes.


What should I do? Weigh your options and decide which education investment lines up better with your goals. Some of the costs from pursuing a degree at the more reputable university may include: However there are probably some benefits to pursuing a degree at this university: You will know best which of these apply to you in addition to any pros or cons not mentioned. You need to evaluate each one in order to make a decision.


Amazon's DRM aims to lock-in as many customers as possible (except the tech-savvy crowd that knows how to circumvent DRM, as you noted) at the point of sale, and they don't really care if you then read your book on the kindle app or the kindle itself. I think the blog author's point about a risk of monopsony still stands, if Amazon becomes the main point of sale for ebooks. The internet winner-takes-all effect will create a completely different playing field for the publishers when compared to the more fragmented paper bookstore landscape.


I suggest you have a professional assist you with this audit, if the issue comes into questioning. It might be that it wouldn't. There are several different options to deal with such situation, and each can be attacked by the IRS. You'll need to figure out the following: Have you paid taxes on the reimbursement? Most likely you haven't, but if you had - it simplifies the issue for you. Is the program qualified under the employers' plan, and the only reason you're not qualified for reimbursement is that you decided to quit your job? If so, you might not be able to deduct it at all, because you can't take tax benefits on something you can be reimbursed for, but chose not to. IRS might claim that you quitting your job is choosing not to get reimbursement you would otherwise get. I couldn't find from my brief search any examples of what happened after such a decision. You can claim it was a loan, but I doubt the IRS will agree. The employer most likely reported it as an expense. If the IRS don't contest based on what I described in #2, and you haven't paid taxes on the reimbursement (#1), I'd say what you did was reasonable and should be accepted (assuming of course you otherwise qualify for all the benefits you're asking for). I would suggest getting a professional advice. Talk to a EA or a a CPA in your area. This answer was not intended or written to be used, and it cannot be used by any taxpayer, for the purpose of avoiding penalties that may be imposed on the taxpayer


Please post your comment to my blog's comment section where it is more accessible to those who are interested in this specific topic and our discussion.  I will respond over there later today when I am finished work. Thanks!


"I don't think ""cost of carry"" is the right word here.  Yes, you have the opportunity cost (what you could have earned during that time if you had invested the money somehwere else) and then you also have interest rate risk and default risk."


Did you read the article?    You can say that generics aren't fakes, but the article wasn't about generics.  FTA:  Lab analysis of the Zyprexa tablets confirmed that they were fake, containing only 55 to 80 per cent of the active ingredient.


Well sure you can ask. You can ask for the sun, the moon, and the stars too. Whether they are willing to accommodate you depends on how the local real estate market is doing. In the US from 2007-2010, realtors were signing all sorts of deals like this. Be realistic about what you are asking for. You want them to sell you the property for less then they are asking for it, and you want to insert yourself into the seller-realtor relationship and tell them how to split up the proceeds, when they already have a contract establishing that. On top of that, while the realtor would get the same amount at closing, they would have had to do all the work normally split between two agents (arranging papers, escrow, and title transfer, etc). Why would that be appealing to them unless you are the only interested buyer?


"Exactly what you do with the money depends on various personal choices you'll have to make for yourself.  Investing your money in Vanguard index funds such as the ones you mentioned is certainly one smart move.  However, I think you're quite right to be suspicious of an advisor with a 1% fee.  In many cases, such advisors are not worth their costs.  The thing to remember is that, typically with that type of fee structure, you always pay the costs, even if the advisor turns out to be wrong and your money doesn't grow. One thing to check is whether the advisor you mentioned is paid only by the fees he charges (a ""fee-only financial planner') , or whether he also makes money via the sales of financial products.  Some advisors earn money by selling you financial products (such as mutual funds), which can create a conflict of interest.  You can read about fee-only financial advisors and choosing a financial advisor on Investopedia."


"To expand on what @fishinear and some others are saying:  The only way to look at it is that the parents have invested, because the parents get a % of the property in the end, rather than the original loan amount plus interest.  It is investment; it is not a loan of any kind.  One way to understand this is to imagine that after 20 years, the property triples in value (or halves in value).  The parents participate as if they had invested in 75% ownership of the property and the OP as if 25% ownership of the property. Note that with a loan, there is a (potentially changing) outstanding loan balance, that could be paid to end the loan (to pay off the loan), and there is an agreed upon an interest rate that is computed on the outstanding balance — none of those apply to this situation; further with a loan there is no % of the property: though the property may be used to secure the loan, that isn't ownership. Basically, since the situation bears none of the qualities of a loan, and yet does bear the qualities of investment, the parents have bought a % ownership of the property. The parents have invested in 75% of the real estate, and the OP is renting that 75% from them for: The total rent the OP is paying the parents for their 75% of the property is then (at least) $1012.50/mo,  A rental rate of $1012.50/mo for 75% of the property equates to a rental price of $1350/mo for the whole property. This arrangement is only fair to both parties when the fair-market rental value of the whole property is $1350/mo; it is unfair to the OP when the fair-market rental value of property is less, and unfair to the parents when the fair-market rental value of property is more.   Of course, the fair-market rental value of the property is variable over time, so the overall fairness would need to understand rental values over time. I feel like this isn't actually a loan if I can never build more equity in the condo. Am I missing something? No, it isn't a loan.  You and your parents are co-investing in real estate.  Further, you are renting their portion of the investment from them. For comparison, with a loan you have 100% ownership in the property from the start, so you, the owner, would see all the upside/downside as the property valuation changes over time whether the loan is paid off or not. The borrower owes the loan balance (and interest) not some % of the property.  A loan may be secured by the property (using a lien) but that is quite different from ownership.  Typically, a loan has a payment schedule setup to reduce the loan balance (steadily) over time so that you eventually pay it off.  With a loan you gain equity % — the amount you own outright, free & clear — in two ways, (1) by gradually paying off the loan over time so the unencumbered portion of the property grows, and (2) if the valuation of the property increases over time that gain in equity % is yours (not the lenders).  However note that the legal ownership is all 100% yours from the start. Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? You can evaluate whether you are being ripped off by comparing the $1350/mo rate to the potential rental rate for the property over time (which will be a range or curve, and there are real estate websites (like zillow.com or redfin.com, others) to help estimate what fair-market rent might be). Are there similar deals like this...?  A straight-forward loan would have the borrower with 100% legal ownership from the start, just that the property secures the loan.  Whereas with co-investment there is a division of ownership % that is fixed from the start.   It is unusual to have both investment and loan at the same time where they are setup for gradual change between them.  (Investment and loan can certainly be done together but would usually be done as completely separate contracts, one loan, one investment with no adjustment between the two over time.) To do both investment and loan would be unusual but certainly be possible, I would imagine; however that is not the case here as being described.  I am not familiar with contracts that do both so as to take over the equity/ownership/investment over time while also reducing loan balance.  Perhaps some forms of rent-to-own work that way, something to look into — still, usually rent-to-own means that until the renter owns it 100%, the landlord owns 100%, rather than a gradual % transfer over time (gradual transfer would imply co-ownership for a long time, something that most landlords would be reluctant to do).   Transfer of any particular % of real estate ownership typically requires filing documents with the county and may incur fees.  I am not aware of counties that allow gradual % transfer with one single filing.  Still, the courts may honor a contract that does such gradual transfer outside of county filings. If so, what should I do? Explain the situation to your parents, and, in particular, however far out of balance the rental rate may be.  Decide for yourself if you want to rent vs. buy, and where (that property or some other).  If your parents are fair people, they should be open to negotiation.  If not, you might need a lawyer.   I suspect that a lawyer would be able to find several issues with which to challenge the contract. The other terms are important as well, namely gross vs. net proceeds (as others point out) because selling a property costs a % to real estate agents and possibly some taxes as well. And as the others have pointed out, if the property ultimately looses value, that could be factored in as well. It is immaterial to judging the fairness of this particular situation whether getting a bank loan would be preferable to renting 75% from the parents.  Further, loan interest rates don't factor into the fairness of this rental situation (but of course interest rates do factor into identifying the better of various methods of investment and methods of securing a place to live, e.g. rent vs. buy). Contributed by @Scott: If your parents view this as an investment arrangement as described, then you need to clarify with them if the payments being made to them are considered a ""buy out"" of their share. This would allow you to gain the equity you seek from the arrangement. @Scott: Terms would have to be (or have been) declared to that effect; this would involve specifying some schedule and/or rates.  It would have to be negotiated; this it is not something that could go assumed or unstated.  -- Erik"


First - Google's snapshot -  Then - Yahoo -  I took these snapshots because they will not exist on line after the market opens, and without this context, your question won't make sense. With the two snapshots you can see, Yahoo shows the after hours trades and not just the official market close for the day. The amount it's down is exactly tracked from the close shown on Google. Now you know.


"This is the best tl;dr I could make, [original](https://www.vox.com/policy-and-politics/2017/9/29/16375160/gop-tax-plan-ryan-corporate-cut-full-expensing) reduced by 96%. (I'm a bot) ***** > Conservatives think corporate tax cuts are essential for boosting growth Besides the wage issue, there&#039;s another reason conservatives typically support cutting corporate tax rates: because they hit capital at least in part, and orthodox economic models predict that the tax on capital should be zero.  > Exempting foreign profits from tax brings the US in line with other rich countries The GOP tax plan moves the US from a &quot;Worldwide deferral tax system&quot; - in which US companies are taxed on all their earnings but foreign profits aren&#039;t taxed until they&#039;re brought back - to a &quot;Territorial system,&quot; in which foreign profits aren&#039;t taxed at all.  > The plan expands the child tax credit, a major &quot;Reform conservative&quot; priority In its trademark vague way, the GOP tax reform framework specifies that the child tax credit, which currently offers $1,000 per kid, will be increased.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/73qa9s/the_best_economic_case_for_the_gops_new_tax_plan/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~220395 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **tax**^#1 **rate**^#2 **corporate**^#3 **more**^#4 **percent**^#5"


"It's not specifically old people, but people who think the world revolves around them.  ""We're Sears! We put out the catalog that everyone uses to plan their entire life,"" they'd exclaim while having their secretary type out a memo. ""Who'd ever buy something from a company that you can't pick up the phone and call to place an order? Who'd want to use a *computer* to buy something? Nonsense."""


You're assuming that landlords base rental rates on what tenants or potential tenants can afford to pay and that is not the way it works: They base their rental rates on what they think they can get on the market, not what they think the potential tenant can pay.   Complicating things now concerning rental rates, at least in the U.S., is the monsterous influx of foreign capital looking for a safe haven for storing wealth and it's really messing up our housing markets.  Complicating this complication is that housing is really an infrastructure issue and should not be left willy-nilly to capitalists to provide since they have proven a thousand-million times over they are completely incompetent when it comes to adequately dealing with anything more complicated than a quarterly return projected over five quarters. Seriously, capitalism is at its end times and it will either evolve into something that works or it will be swept away and replaced with something that does work.


Tax-exempt interest (and dividends attributable to tax-exempt interest) is required to be reported on Form 1040 line 8b (or the analogous line of Form 1040A).  While it is not directly taxed, it does come into play in the calculation of taxable income and various credits.  For example, tax-exempt interest is counted when determining the portion of Social Security benefits to be included in gross income.


Wrong.   In 2013, 41% of the total federal government's expenditures supported just Social Security and Medicare, per social security #s. Over 27% is spend on medicare and health. Military spending sits above 15%. Corporate subsidies in 2013 sat around 110 billion per year, so 3% max.  Medicaid was expanded by the ACA and now consumes 26% of total state expenditures.   Further, CBO estimates that the country's major health-care programs (Medicare, Medicaid, CHIP, and ACA) will grow to 14% US GDP by 2039 -- twice the 7% average over the past 40 years.   EDIT: also wanted to point out that General Accountability Office (GAO) estimates that improper payments as a result of fraud, waste, or abuse in the Medicare program totaled nearly $50 billion in FY 2013. Bear in mind corporate subsidies in 2013 was $110 billion. Medicare ~~fraud~~ improper payments alone was 45% of total corporate subsidies.


I think that their listener stats bring new investors on board.  For instance, you listen to a song and when it ends another song starts to play (you can't turn that feature off).  By doing this they have doubled their apparent number of songs listened to.


No argument there. Neither matters, though a minor in business/finance can round out an engineering/math/hard science degree for getting into banking.  >And if we are going to talk about wasting ones time, I think majoring in finance is a good place to start....  Uh, for finance jobs? That makes no sense. The careers are basically the highest paid in the US on average without requiring a specialized skillset.


"Everyone has items that they consistently purchase.  I don't really need to see a picture of JIF Peanut Butter in order to buy it. Also if all you do is make a list at your computer and then put it aside until you're ready to purchase, it can now be down w/ voice commands.  Google has never hidden their desire to build Star Trek's ""Computer"" so all of this seems in-line w/ that."


Here is a pretty exhaustive article on that question. Long story short, it is an insurance policy against the possibility that the person selling the property to you doesn't legally own it. If there was some mistake or fraud along the way the proper owner could theoretically repossess the property without you getting your money back. If you are financing the property, it is almost a certainty that the lender will require you to buy it whether you want it or not.


"> What if you felt you were cheated by the bank?   I could ask a judge if I were.  My subjective feelings are of no relevance for the validity of the contract.    > What if you had something terrible unexpected happen to you financially?    Then I might get bankrupt as a consequence.  I did try to make certain that I can pay my loan even if something terrible happens to me.  That's why I live in a much smaller house in a less fancy neighbourhood.    > Also a loan is not a promise. A loan is a contract.  Every contract is a binding promise, establishing rights and obligations.  That's the whole point of a contract.    > The contract has outs for all parties.   Under certain conditions, a contract can have termination clauses.  But by far not all contracts have them.  And from a loan contract there is no ""out"" -- it is just that if you don't have any money to pay, you don't have any money to pay.    The whole concept of bankrupcy is just there to regulate the proceedings if you don't have the money to pay your dues -- not a convenient tool to cheat on your contractual obligations.  If it can be abused to this end, it needs to be reformed."


I feel sorry for the workers who are going to lose their jobs. I wonder how big of a bonus the scumbags in charge are going to make this year?   The new CEO was hired this year was paid a $1 million base salary, a $150000 signing bonus, $6 million in restricted stock.


It's easiest to get your payment from the PMT function in Excel or Google Sheets.  So a $100,000 30 year mortgage at 3% looks like this: The basic calculation is pretty simple.  You take the annual interest rate, say 3%, divided by 12, times the existing principal balance: The idea is that borrowers would like to have a predictable payment.  The earlier payments are proportionally more interest than principal than later payments are but that's because there is much more principal outstanding on month 1 than on month 200.


If the employer provides housing to the employee, the employer has to identify whether it is taxable or not. If it is - the amounts would be added to the taxable income on your W2. All the withholding and FICA tax calculations will be performed based on that taxable income. If the employer fails to do that, and you get audited, you can be left on the hook for the unpaid taxes on the unreported income. In some cases, employee housing is a non-taxable fringe benefit, in others it is taxable. Your tax adviser will help identify which case applies to you. After you added in a comment that you're trying to see if you should be asking your boss to pay your personal expenses vs. giving you a raise - as I said in the comments, your personal expenses are not deductible neither for you nor for anyone else. If your boss pays your rent instead of a raise - its taxable income for you.


For an inherited IRA, there are a few options for taking distributions. You clearly haven't done option 1. It sounds like you haven't done option 2 because otherwise you would probably know how it is taxed. That leaves you with option 3.  With option 3, you must distribute the entire amount within 5 years.  For you, I'm not sure if that means you need to distribute the entire amount by the end of 2016 or 2017.  If it was 2016, then you'll probably have to pay penalties. Distributions from an inherited IRA are taxed as ordinary income regardless of your age or the distribution option you select.


The account doesn't have to be associated with a specific health plan. There are some accounts that work that way. In fact, mine does. But I didn't go to a bank and open it up, it came as a package deal with my employer's health plan. Furthermore I don't contribute to it, the company does. If I wish to contribute my own funds, I have a separate Flexible Spending Account (FSA). This is not tied to my health plan. I can make qualified purchases at Wal Mart, Target, or wherever I choose. Then I can submit the receipts for reimbursement.  In your case it sounds like your HSA works more like my FSA. The relevant question here is 'How do I (you) withdraw funds from the HSA?' There are a few different possibilities. Some accounts have a debit card, some give you checks, some have a reimbursement process similar to my FSA. (Some have more than one option available.) In your case you should contact Bank of America to determine how to withdraw funds from your account.


> building relationships from within to help with employee happiness  This is HR and management.  > find inefficiencies  This is engineers (well, good ones) and intrepreneurs / R&D.  > report on anything illegal or unethical that may be going on at the company  This should hopefully be everyone.


Hello Ms./Mr. ,   My name is someguy82 and I'm a fellow alumnus of xxxxxx University - class of 20xx. I hope you don't mind, but I got your email address through the alumni network at xxxxxx University. I am interested in hearing about how you have progressed in your professional life since xxxxxx University/current role/etc.  I would love to know more about your current work in financial services/investments/etc. I am sure that you must have a very busy schedule, so I can assure you I won't take up more of your time than you are willing or able to give.   If you're free I can meet you for coffee/lunch near your work/building.    I hope to hear from you soon!  Kind Regards, someguy82


"I'm not 100% certain on boats, since they aren't typically sold for a gain, but the tax base of an asset is typically the cost of the asset plus the cost of any improvements, so your $15,000 gain looks right (check with a CPA to be certain, though, if you can).  Your ""cost basis"" would be $50,000 + $25,000 = $75,000, and your net gain would be $90,000 - $75,000 = $15,000.  The result is the same, but the arithmetic is organized a little differently. I am fairly confident you cannot include your time in the ""cost of improvements"".  If you incorporated and ""paid yourself"" for the time, then the payment would be considered income (and taxed), if it was even allowed. Depending on your tax bracket that may be a WORSE option for you. You can look at it this way - you only pay the tax on the $15k gain versus paying someone else $15k to do the labor."


"First, let me answer the question the best way I can: I don't know if there are any studies other than those that have already been mentioned. Now, let's talk about something more interesting: You don't need to base your behavior on any study, even if it is scientific. Let's pretend, for example, that we could find a scientifically valid study that shows that people spend 25% more when using a credit card than they do when spending cash.  This does not mean that if you use a credit card, you will spend 25% more.  All it means is that the average person spending with a credit card spends more than the average person paying cash.  But there are outliers.  There are plenty of people who are being frugal while using a credit card, and there are others who spend too much cash.  Everyone's situation is different.  The idea that you will automatically spend less by using cash would not be proven by such a study. When hearing any type of advice like this, you need to look at your own situation and see if it applies to your own life.  And that is what people are doing with the anecdotal comments.  Some say, ""Yep, I spend too much if I use a card."" Others say, ""Actually, I find that when I have cash in my wallet, I spend it on junk.""  And both are correct.  It doesn't matter what the study says the average person does, because you are not average. Now, let's say that you are a financial counselor who helps people work through disastrous financial messes.  Your client has $20,000 in credit card debt and is having trouble paying all his bills.  He doesn't have a budget and never uses cash.  Probably the best advice for this guy is to stop using his card and start paying cash.  It doesn't take a scientific study to see that this guy needs to change his behavior. For what it is worth, I keep a strict budget, keeping track of my spending on the computer.  The vast majority of my spending is electronic.  I find tracking my cash spending difficult, and sometimes I find that when I have cash in my wallet, it seems to disappear without a trace.  :)"


I think you're cool for now. Where is the money going if not USD now? Euro? No way. So USA is still a safe bet for now and it'll keep on rising. Trump only accelerated it, the eventual crash was and still is inevitable, at least it'll come faster, but how long off are we still before the new crash? That's the money question.


"We asked, ""How do you get Google Rank search results?"" And now we know! Google has quietly left on how to get the websites and Moz SEO website, which even performs a survey of search engine ranking factors with the last state of 2017.  Google has listed about 200 other factors in the ranking of a page and, of course, each of these factors is significant, but it is explicitly mentioned by a Google employee."


I just received the following email from Amazon, after my many phone calls of yesterday: So that confirms the accepted answer above.  Unfortunately, no word on why they don't provide it on the online invoices.  If they get back to me again, I will update.


It's called bartering and the IRS has a page titled Four Things to Know About Bartering. The summary is -  The bottom line is this is taxable.


"I will disagree with the other answers. The idea that there is some to establish a ""credit history"" is largely a myth propagated by loaners who see it as positive propaganda to increase the numbers of their prospective customers. You will find some people who claim they were rejected for a card because they had no ""credit history,"" but in every case what these people are not telling you is they also had no income (were students, house wives, or others with no steady income). Anyone who has income can get a credit card or other line of credit regardless of their ""credit history."" Even people who have gone bankrupt can get credit cards if they have proven income. If your answer to this is that ""you have no income, but still want a credit card"", I would advise you to re-read that sentence several times and think carefully about it. I have never had a credit card and never missed having one, except when trying to rent cars which was somewhat complex and annoying to do in the 2005-2010 time period without a credit card. Credit cards have a number of disadvantages: I definitely agree with those who will tell you credit cards are convenient, they are, but for someone who wants to be financially prudent and build wealth they are unnecessary and unwise. If you don't believe me, read ""The Total Money Makeover"" by David Ramsey, one of the most famous and best-selling books ever written on personal finance. He actually will give you much better and detailed reasons to avoid CCs than me. After all, who am I, just some dumb rich schmuck with lots of money and no debt and a happy life. Comment on Culture I think it is pretty funny we have a lot of spendthrift Americans in this thread basically telling the OP to get lots of credit cards as soon as possible. If you asked the same question in Japan you would get completely different answers and votes. In Japan its hard to even use credit cards. The  people there are much more responsible financially than Americans; the average Japanese person has much higher wealth than a person with the same income in the United States. One of the reasons for this, among many, is that the average Japanese person does not use credit cards. A Japanese person, if you translated this question for them, would think the whole thing a typical example of how foolish Americans are."


From where I'm sitting right now, there are 8 Enterprise Rent-A-Cars within 10 miles of my location.  On their website, they claim that their 5500 locations are within 15 miles of most consumers.   They currently offer a ride share program for the commute to work that is interesting.  I'm not 100% sure on the details, though.


"These government mandates of minimum wage will cause more problems than they will solve. I don't know how many of you own a small business but I can give you a real world example here in the City of Chicago. On July 1st, 2017 the minimum wage will increase to $11.00 while at the same time they're introducing a .01 per oz ""Sugar Tax.""  The amount of additional work needed to keep track of sugar consumption will be burdensome for small businesses who will have to raise prices to accommodate the new labor costs and tax. Customers are price sensitive so they will usually go for the cheaper option which can be provided only by corporate/big business who have the ability to automate certain positions in the labor supply chain which is currently happening. I wouldn't be surprised if the timeline for kiosks/self-service robot implementation is on par with the $15.00 minimum wage deadline in 2019. To sum up, big business wins and labor loses but I guess results don't matter when your intentions are ""good."""


The writers choice of the word earned needs to be changed to extracted.  Is it shocking that after the federal reserve handed the house trillions of new poker chips that the house wins big?  A monetary system is whatever the people with the money want it to be.  They chose unuseable riches for themselves and destitution for others.  Monetaty systems are not organic, they are fabricated.


I mean, at a personal level, I do this all the time. I will absolutely take advantage of low interest financing offers if I know I can make more money with the outstanding balance than will be drawn in interest.  It can also make sense from a risk management perspective: I need liquidity even if I can cover the cost, I anticipate needing a large sum of cash over a short interval during the finance period. If I were to pay all upfront the cumulative expenditures would Darwin me too close to my safety threshold for my comfort level, but by financing I can distribute the risk and keep a higher margin for error over the course of the loan.


$15/hr is nothing for supply and demand right now.   For Tuesday night I found most mid tier hotels sold out in the whole area and rooms were hard to find for less than $300. Anecdotal but ya get the point.


Why do you think there's a lack of people pursuing entrepreneurial opportunities then?  Assuming these are economically rational people who want to maximize their personal payoffs, what's holding them back?  I apologize for my previous biased assumption that there would be a lack of food. And obviously since they have food they have water to grow it.


Personally I would hold off on buying a house until you have the credit card paid down even more or paid off completely so that it is one less bill you have to worry about and once it is paid off you free up that much more money to maintain the home. Likewise, you also have a lot of variables right now and the resolution of those variables will affect how much you can afford in the way of a home. The less surprises the better. As I'm sure you know, being a home owner can be quite expensive and if something ends to be repaired then you have to pay for it out of your own pocket, at least when you are renting that falls onto someone else. Likewise, unless you are confident that the market has bottomed out by you, you might find that you are underwater on the mortgage once everything is said and done. If you want to start making process towards buying a home though, you could check to see if any of the local banks or credit unions have some sort of savings program where you get higher interest rates in exchange for designating the savings for the down payment on a mortgage. Likewise, you could just find a high yield savings account and start making automatic transfers into it every month.


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"AI and robotics are going to destroy millions of jobs.  That's not necessary a bad thing. The human species should not want to spend eternity in agonizing menial labor over something as make-believe as ""money"".  If the cards are played right, eliminating menial jobs will be a good thing. It would mean easier and more luxurious lives for most people. Folks who are currently doing jobs which will be replaced such as commercial truck drivers, can learn new trades and/or be transitioned to different roles in their industry, preferably without starting over from nothing.  but it's going to happen, and it would be irresponsible to give menial laborers the impression that their jobs will still exist somehow."


A stop-loss does not guarantee a sale at the given price; it just automatically triggers an unlimited sale as soon as the market reaches the limit. Depending on the development, your sale could be right at, slightly under, or deeply under the stop-loss limit you gave - it could even be it is never executed, if there are no further deals. The point is that each sell needs a partner that buys for that price, and if nobody is buying, no sale happens, no matter what you do (automated or manually) - your stop loss cannot 'force' a sale. Stop-loss works well for minor corrections in liquid shares; it becomes less useful the less liquid a share is, and it will not be helpfull for seldomly traded shares.


Depends on the type of company and hes smart enough to contribute particular gender roles to the success of particular companies. It is absolutely not rocket science. It is however a blanket statement to state that women run companies make him the most money.


> How has he made the business environment here attractive to Foxcon?   for one thing, Trump is PRO business, PRO jobs, PRO America  **the exact opposite of Obama** who spent all his time piling on taxes, [regulations and restrictions](http://www.washingtontimes.com/news/2017/may/31/obamas-regulations-in-2016-to-drain-economy-by-2-t/).  The world sees America is now re-opened for business


The capital gain is counted as part of your income. So with a million capital gain you will be in a high tax bracket, and have to pay the corresponding capital gains tax rate on the million.


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Agreed. Even if you don't wish to stay with the company as you mentioned, OP, getting any qualifications you can (especially when they're free!) before you start job hunting is great. Sure, any company you start at will likely pay for it, anyway, but if you can get it now that means you'll be employed that much faster.   Be sure, however, to check that your current employer who intends on sponsoring you does not have a clause in their contract saying you have to pay it back if you leave within so many months. I'm not sure what the standards in the US are like but in Austria if you receive expensive training, most contracts will require that you continue your employment for at least x amount of months or you have to pay it back in full (or partially). This should all be in your employment contract.


Go where your money is treated best.  If you can lower your APR, great. It should help a little bit with getting a mortgage if you can reduce your payment.  Your debt-to-income ratio would go down.


US corporations are allowed to automatically enter employees into a 401K plan.  A basic automatic enrollment 401(k) plan must state that employees   will be automatically enrolled in the plan unless they elect otherwise   and must specify the percentage of an employee's wages that will be   automatically deducted from each paycheck for contribution to the   plan. The document must also explain that employees have the right to   elect not to have salary deferrals withheld or to elect a different   percentage to be withheld. An eligible automatic contribution arrangement (EACA) is similar to   the basic automatic enrollment plan but has specific notice   requirements. An EACA can allow automatically enrolled participants to   withdraw their contributions within 30 to 90 days of the first   contribution. A qualified automatic contribution arrangement (QACA) is a type of   automatic enrollment 401(k) plan that automatically passes certain   kinds of annual required testing. The plan must include certain   features, such as a fixed schedule of automatic employee   contributions, employer contributions, a special vesting schedule, and   specific notice requirements. You generally have a period of time to stop the first deposit. One I saw recently gave new employees to the first paycheck after the 60 day mark to refuse to join. You also may be able to get back the first deposit if you really don't want to join. If you don't want to participate look on the corporate website or the Fidelity website to set your future contributions to 0% of your paycheck. Keep in mind several things: Personally I'm against any type of government sponsored investments or   savings. I can save money on my own and I don't care about their   benefits. Some companies provide an annual  contribution to all employees regardless of participation in the 401K. They do need to establish an account to do that. Again that is free money Does it mean if I never contribute any money so I will have 0 I might   go below 0 and owe them money in case they bankrupt or do bad   investments? Even in total market collapse the value of the 401K could never go below zero, unless the 401K was setup to allow very exotic investments.


Try hanging around one of the gaming subreddits, the amount of accounts that regularly come out to support multi million dollar industries in whatever their latest attempt to nickel and dime their consumers to get an even fatter bottom line.   It's not even subtle.


The companies that are directly affected by climate change are the ones to watch.   For example wineries and wine regions, where the wines made are specific to the climate. Burgundy for example needs very specific temperatures to make Pinot Noir and Chardonnay. Other regions may be able to switch grape varietals to match the changing climates, but in Europe you can't just plant whatever you want.


In my county one can pay your taxes up front, or pay a fee and then pay in 2 installments.  I caught countrywide mortgages paying the fee (from my escrow account) then paying the 2 installments so that they could keep the interest over the 6 months.  After that I've always insisted on not having an escrow account.


One answer in four days tells you this is a niche, else there should be many replies by now.  The bible is McMillan on Options Note - I link to the 1996 edition which starts at 39 cents, the latest revision will set you back $30 used. The word bible says it all, it offers a great course in options, everything you need to know. You don't get a special account for option trading. You just apply to your regular broker, so depending what you wish to do, the amount starts at   You sell calls against stock you own in your IRA. You see, selling covered calls always runs the risk of having your stock called away, and you'd have a gain, I'd hope. By doing this within the IRA, you avoid that.  Options can be, but are not always, speculative. Covered calls just change the shape of your return curve. i.e. you lower your cost by the option premium, but create a fixed maximum gain. I've created covered calls on the purchase of a stock or after holding a while depending on the stock. Here's the one I have now: MU 1000 shares bought at $8700, sold the $7.50 call (jan12) for $3000.  Now, this means my cost is $5700, but I have to let it go for $7500, a 32% return if called. (This was bought in mid 2010, BTW.) On the flip side, a drop of up to 35% over the time will still keep me at break even. The call seemed overpriced when I sold it. Stock is still at $7.20, so I'm close to maximum gain. This whole deal was less risky than just owning one risky stock. I just wrote a post on this trade Micron Covered Call, using today's numbers for those actually looking to understand this as new position. (The article was updated after the expiration. The trade resulted in a 42% profit after 491 days of holding the position, with the stock called away.) On the other hand, buying calls, lots of them, during the tech bubble was the best and worst thing I did. One set of trades' value increased by a factor of 50, and in a few weeks blew up on me, ended at 'only' triple. I left the bubble much better off than I went in, but the peak was beautiful, I'd give my little toe to have stayed right there. From 99Q2 to 00Q2, net worth was up by 3X our gross salary. Half of that (i.e. 1.5X) was gone after the crash. For many, they left the bubble far far worse than before it started. I purposely set things up so no more than a certain amount was at risk at any given time, knowing a burst would come, just not when. If nothing else, it was a learning experience.   You sell calls against stock you own in your IRA. You see, selling covered calls always runs the risk of having your stock called away, and you'd have a gain, I'd hope. By doing this within the IRA, you avoid that.  Options can be, but are not always, speculative. Covered calls just change the shape of your return curve. i.e. you lower your cost by the option premium, but create a fixed maximum gain. I've created covered calls on the purchase of a stock or after holding a while depending on the stock. Here's the one I have now: MU 1000 shares bought at $8700, sold the $7.50 call (jan12) for $3000.  Now, this means my cost is $5700, but I have to let it go for $7500, a 32% return if called. (This was bought in mid 2010, BTW.) On the flip side, a drop of up to 35% over the time will still keep me at break even. The call seemed overpriced when I sold it. Stock is still at $7.20, so I'm close to maximum gain. This whole deal was less risky than just owning one risky stock. I just wrote a post on this trade Micron Covered Call, using today's numbers for those actually looking to understand this as new position. (The article was updated after the expiration. The trade resulted in a 42% profit after 491 days of holding the position, with the stock called away.) On the other hand, buying calls, lots of them, during the tech bubble was the best and worst thing I did. One set of trades' value increased by a factor of 50, and in a few weeks blew up on me, ended at 'only' triple. I left the bubble much better off than I went in, but the peak was beautiful, I'd give my little toe to have stayed right there. From 99Q2 to 00Q2, net worth was up by 3X our gross salary. Half of that (i.e. 1.5X) was gone after the crash. For many, they left the bubble far far worse than before it started. I purposely set things up so no more than a certain amount was at risk at any given time, knowing a burst would come, just not when. If nothing else, it was a learning experience.


The most obvious route is to short the lenders, preferably subprime. Since there are no lenders that operate exclusively in San Francisco, you could look north at Canada. The Canadian real estate market (esp. Vancouver) is just as overheated as the San Francisco market. As a start, famous short seller Marc Cohodes recommends HCG (Home Capital Group) as an opportune short.


Yes you can. I'm a foreigner who uses a tourist visa to enter America and Bank of America opened a checking account for me. I had to go into the branch with my passport and a driving license and it was opened with $100. You do need to give a US address so statements can be sent out but that's about it.


That's a pretty good writeup. The conclusion is worth noting here:  >He believes that when you add all the environmental impacts, they still come out in favor of electric vehicles. (The Union of Concerned Scientists agrees; it found that even when you add in emissions from battery manufacturing, EVs generate half the emissions of a conventional car over the course of its life.) Still, consumers and investors should understand what it takes to make the materials that enable their green choices.   Electric cars still seem to come out on top, though they could get better. We need to be aware of the issues, so we can hopefully push for better mining practices, for greener energy, and for awareness of potential trouble points such as recycling.


The uptick rule is gone, but it was weakly reintroduced in 2010, applied to all publicly traded equities: Under the terms of the rule, a circuit breaker would be triggered if a stock falls by 10% or more in a single day. At that point, short selling would only be allowed if the price is above the current national best bid, a restriction that would apply for the rest of the day and the whole of the following day. Derivatives are not yet restricted in such ways because of their spontaneous nature, requiring a short to increase supply; however, this latest rule widens options spreads during collapses because the exemption for hedging is now gone, and what's more a tool used by options market makers, shorting the underlying to offset positive delta, now has to go to the back of the selling line during a panic. Bonds are not restricted because for one there isn't much interest in shorting because bonds usually don't have enough variance to exceed the cost of borrowing, and many do not trade frequently enough because even the cost to trade bonds is expensive, so arranging a short in its entirety will be expensive.  The preferred method to short a bond is with swaps, swaptions, etc.


This is ideal placement for your allocation to income investments or those with nonqualified dividends: bonds, REITS, MLPS, other partnerships, and so forth.  These are all taxed at income rate, generally throw off more income than capital gains, so you get the deferment without losing the cap gains rate.


A couple weeks ago, a package I has ordered same-day from amazon was delivered by some guy in a honda accord. No uniform. No logos. Dude just pulled up, parked, hopped out, put it on my doorstep, and drove off.   Was that uber?


"> Spoken like somebody with relatively wealthy parents.  More like someone who has gone to school with hundreds of people that didn't belong there.  I was a ""gifted"" student. I would be fine either way.. which is how it is supposed to be. Banks are making money hand over fist by selling the dream to high school kids that have no clue about the world. Degrees are almost worthless as anything other than a certification at this point."


"I'm assuming you're operating on the cash basis of accounting, based on your comment ""Cash, I think that's the only way for a sole propriator (sic)"" Consider: There are two distinct but similar-name concepts here: ""paid for"" (in relation to a expense) and ""paid off"" (in relation to a debt).  These both occur in the case you describe: Under the cash basis of accounting, when you can deduct an expense is based on when you paid for the expense, not when you eventually pay off any resulting debt arising from paying for the expense. Admittedly, ""cash basis"" isn't a great name because things don't solely revolve around cash. Rather, it's when money has changed hands – whether in the form of cash, check, credit card, etc.  Perhaps ""monetary transaction basis"" might have been a better name since it would capture the paid-for concept whether using cash or credit.  Unfortunately, we're stuck with the terminology the industry established."


I highly recommend this interview from a few years ago with their CEO:    https://m.youtube.com/watch?v=O-CiwT2ZTKc     It is impressive the pivot they had to do to stay a dominant toy maker/entertainment company. It seems like this core business vs innovative new business area is an issue many CEOs are struggling with now.


- The scenarios I presented were precisely at expiry  - I know it is very unlikely to be in the money at expiry, hence my hesitation to actually take the position  - My math is accurate. At expiry January 18th, **2019** if TSLA is at 0$ a share (BK), then my puts will be worth a combined $500,000.  - Side note. These expire January 2019. Just making sure you know.


Yes, yes - that's my point. The common investors never did invest (or even get to invest) so they didn't lose money as the article claims. It's the idiot institutional funds that got screwed.   Common investors - most of them - knew FB was overvalued.


"I agree!  But what are you going to do about jobs where ""a bachelor degree is required""?  P/S: once, to be a teller in the bank, you did not need to finish high school, but you needed to know how to add numbers. Today, you can't be a teller unless you have a bachelor degree. You know why? Why not? Too many people have degrees, so, let's require a bachelor degree."


Lol you don't need a college degree for a lot of things has been said to you a billion times and yet you don't give a fuck and continue trying to go on the same stupid road. Nope your shitty janitor does not warrant special treatment to be middle class. It won't happen and honestly now I am starting to understand why your ex is an ex.   You are too stupid to understand that there is skills in dissecting insects, and that more goes into science than stuff some shit into tubes.  Yes that 100k in NYC is less than 40 k elsewhere. Neither is a middle class position. Your point? Oh wait you have no point besides people who can't be bothered to learn and use skills should be paid as much as those who do whine. Well whining about it until you are blue in the face won't change things. If you do however want some basic logic and actually decide to expand your argument beyond janitors need to be paid middle class wages because kid vomit and this other job that I am ignorant about makes it look easy, feel free to come back and have a discussion. Until then suck it up, learn a skill and stop whining.


Mango is legit, there are some other forums out there with some reviews and discussion about whether or not it's worth the effort of setting it up and following the rules to realize the maximum benefit. The main downside is that Mango is fee-heavy: ATM fees, monthly fees, etc. One person did a calculation that if you follow all the rules and minimize fees, your maximum benefit above what you can get at other online banks with enticing rewards or interest rates is about $250/yr. Is $250 worth the hassle of following the Mango rules? You'll have to decide.


I'd believe something like 15%, which isn't exactly hidden information. Furthermore, you're probably getting applications from people who are currently employed and looking for a better opportunity. And you may just be in a sector that  was hit particularly hard.   I'm in the IT sector. Unemployment in this field is practically 0.


And I'm mad that everyone's mad. STOP BEING MAD D:  But seriously, chill out u/3th0s. There are legitimate reasons to keep money in your checking account and it is not a moronic move. A more moronic move would be to have no money available on hand in the event of an emergency, like if your own a house and your boiler breaks or if you get in an accident and have to shell out money for medical bills or if you want to save up so you can pay your larger loans off in full so you don't accrue interest on them (e.g. college loans).


Then in USA you need to buy the lists I guess. But if you have lists on your own you just remove the forbidden numbers from your list by syncing the 2 lists together in Excel for example.  If you are calling from a public source like white pages then you need to double check each customer first. For example if you have a product that's for everyone then you don't need lists and can only read all consumers in a city. If you sell something that is good for the whole family then by calling one person you can sell for everyone. A good trick to maximize order value on B2C sales.


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"But it can't beat ""I'll just run into Best buy on my way home from work"".  Retail stores screwed up big by not embracing online shopping, but they'll continue to lurch on because free same day shipping beats free two day shipping."


"Well their money has to be put somewhere. And I guess the convenience and cost effectiveness of online banking and eTransfers (which is free). I'm a younger millennial, but I'm not like a ""bitcoin-avocado"" type person, so I wouldn't be able to tell you from that perspective. In terms of investments, maybe those ethical or sustainable mutual funds"


Even post meltdown, there are banks that will lend money based on a low loan to value, so 50% might not be a problem. But such loans come at a price. The current 30 year fixed rated is 4.5% or so, but you might see quite a bit higher than this on the loan.


If you're exchanging cash, then the rule of thumb is generally that it's better to buy currency in the country that issues the currency.  In your case that would mean buy INR in India and buy USD in the U.S.  The rationale is that supply of foreign currency is generally smaller, so you get a little better price if you're holding the foreign currency.  There are, of course, exceptions, like if you're going to a country with little foreign trade. (That wouldn't seem to apply to the U.S. or India.) If you are doing an electronic transfer through a bank, however, I doubt that it matters which end initiates the transfer.  You're going to get their wholesale exchange rate plus fees.  It seems more likely to matter what fees are charged, and that may vary more by bank than by country.


Couldn't have asked for a better response. As for my courses, yes I had various group projects in different classes, with my capstone finance course being entirely group project based, so that would definitely put a dent in the required hours. But still the whole thing seems a bit arbitrary doesn't it? There's no real way of keeping track of hours, then again I haven't done much research on the program yet and if it comes down to the wording I can probably make it work as it is.  Regardless thanks for pointing me in the right direction, I am for sure interested in the PMP and in the mean time ill check out what you suggested. Appreciate it.


Yea i agree with this but I do think that Amazon benefits a lot more from  economies of scale than uber. Both are platform models where you get more profits by having more users. However, its a lot more difficult to compete with amazon (because of their warehouses, inventory, delivery speed etc etc) than it is to compete with uber( essentially has no inventory of its own). There is a cap to how much uber can charge on either side before it is profitable to enter the market and compete with uber. Furthermore, Uber has completely lost countries such as china so there is a limit to their top line. Also uber still has to fight its never-ending stream of litigation and that not just adds risk to the buisness but is a huge cost on uber. When it comes down to it, besides from the convenience of booking a ride from your phone, uber saves money by going around the fact that the drivers in uber do not need taxi licences and that directly cuts into government revenue. So far there hasnt been too much resistance but it is hard to say if it will remain the case in the future


It depends upon who the counterparty is. If the counterparty is the OCC, they would most likely call force majeure if their finances were at serious risk.  They could be forced to take a loss but not to be pulled apart.  Villain could always try to take the OCC to court, but then his plot would probably be exposed in discovery. The need to involve the courts is even greater if these are private contracts. If the options were on one security, they would be difficult to sell in one day.  If they were spread across the most liquid ETFs and equities, they could be sold in one day easily, the above solvency problems notwithstanding.


The interesting point here = We are aiming to shift the way people meet - Just a simple way here to intro ourselves to the community. Our content in the future will be focused on leadership, business and hearing about how people connect with trendr. - Peter


A lot of Chinese are buying U.S. property for the sake of diversifying. A lot of Chinese still have a the grass is greener on the other side mentality when it comes to the U.S. They know very little about how many people on the U.S. are on food stamps.   And a lot of people that have communist party wealth are afraid that there will be an uprising against them so they are preparing escape plans.    edit: I think it's likely that the elite here in the U.S. also have escape plans.


sorry, things got busy.   active calendar management. Are you talking about having a dedicated receptionist manage say an exchange calendar? taking calls, making an appointment on your calendar and then saving the event and setting reminders? that kind of thing?  outgoing calls to confirm appointments sounds interesting, but currently we only want to deal with inbound, process then transfer.


There are no US taxes for receiving a gift (you). There may be US taxes for giving a gift (the gift tax), for your parents, but if they are nonresidents and the money they are giving was not situated in the US, then they do not have US gift tax. You have to report a gift from a foreign person if it exceeds $100,000.


I’ve amazed by the Ralph Property Finance services which has helped me to provide an instant loan. I am really impressed with the end result, handled my loan problem easily and impressed me with their loan service. I would highly recommend them to anyone. Thanks, Ralph Property Finance.


Note: the question is tagged united kingdom, this is a UK focussed answer practices elsewhere may be different). A balance transfer moves your debt from one credit card to another. This can be a good way to get a debt onto a lower (often zero) interest rate.  There will usually be a transfer fee but with a good balance transfer deal the effective interest rate even after taking the fee into account can be very good and there are even some deals with 0% interest and no fee. Indeed if you keep on top of things credit cards are often the cheapest way to borrow. Normally a balance transfer is done to a new card that is applied for specifically for the purpose but sometimes it can make sense to transfer a balance to an existing card. However to take advantage of this you need discipline. You need to make absoloutely sure that you fully comply with the rules of the deal and in particular that you pay at least the minimum payment on time.  You should also be aware that the rate will usually jump up at the end of the interest free period, you could do another balance transfer but assuming you will be able to do that is risky as it depends on what market conditions and your credit rating look like at the time. Ideally you should have a plan for paying off the card before the interest free period expires. In general you should be aiming to pay down your debts. Living beyond your means is very bad and carrying debt long term should only be done if you have an extremely good reason. You should regard the balance transfer as a tool to help you clear your debts quicker, not as a way to avoid paying them. If you go on a spending spree after your balance transfer you will just have dug yourself deeper in debt. See http://www.moneysavingexpert.com/credit-cards/balance-transfer-credit-cards for more on the techniques and the current best cards.


Legally in the US:


Yield is almost always the mean rate of return. Then 1.65% yield means that you will see that rate of return inclusive of any coupons.   The way I like think of is that yield is the discount rate used to value the instrument at market value. DONT CONFUSE THE COUPON RATE WITH YIELD. Those are two completely separate things.


Meh. I'm an advertiser, and it pays off brilliantly. One of the businesses relies 100% on Google ads (a hire company) and does well. Others use various forms of advertising (although skewed towards internet, we do print etc as well) to disseminate news and it's the best way we've found.  Whatever Tor opinion on online advertising, it works. Otherwise we wouldn't spend so much £ on it.


how far do you live from the store? unless amazon has 1 hr delivery, anything I want is easier to get locally than on amazon. Not only that, I can choose to support walmart or the local mom and pop shops. My day isn't interrupted because I'll make the most of it, like go fill up gas, buy needed groceries, get lunch, meet a friend, or sometimes just people watch while I shop.


That is not why I did that. I brought it to the extreme to make you understand that what you said is not true.  It's easy to just say someone is dumb and stubborn when you don't have something to respond with.  Since you clearly don't want to continue this discussion, have a nice life


This seems silly -- Apple will NOT buy Netflix (apple is already a content distributor.. You think they think the future is in sending DVDs? No, it's buying off of iTunes!). Windows phone is DOA -- why after people are already locked into the Android/iOS ecosystem would they want to lose all of their apps and move to windows? It's not that much better to be worth it.


This is a scam, I'm adding this answer because I was scammed in this fashion. The scammer sent me a check with which I was to deposit.  When the money showed up in my account, I would withdraw the scammer's share, and wire the cash to its destination. However, it takes a couple days for a check to clear.  Banks, however, want you to see that money, so they might give it to you on good faith before the check actually clears. That's how the scam works, you withdraw the fake money the bank has fronted before the check clears.  A couple days later, the check doesn't clear, and you wake up with an account far into the negatives, the scammer long gone.


"No idea, but I am so sick of hearing about ""unfair"" pay.  If you don't think the pay is fair for the job then don't take the damn job.  If that's the only job you can get, well, take the job and improve your skills so that can get another job asap.  All these article imply that the ""underpaid"" worker has no choice.  They have every choice!!  Luckily we live under an economic structure that allows you to do whatever job you want, take advantage of that!!  In previous iterations of society you were stuck doing whatever your parents did.  You guys wanna keep trashing our current system I'm sure we can revert to the dark ages real quick."


This is the gist of what a lot of people think, and generally it's true. However the main issue is that what the government does will be the determining factor in what our money is worth. If the Federal reserve manages to devalue our money substantially enough, I don't think the US populace will stand for it.


My opinion is to hold off. I don't see housing market rising anytime soon, possibly even going lower, so you don't have to worry about getting in before it rises. Pay off the credit card debt, maybe even earlier if possible, then that flexibility will be there, the divorce proceedings may have an end in sight, and therefore you'll know more about any outcomes from that. The economy is still shaky, the flexibility of renting may come in real handy.


"I assume you get your information from somewhere where they don't report the truth. I'm sorry if mentioning Fox News offended you, it was not my intention. But the way the question is phrased suggests that you know nothing about what ""pension"" means. So let me explain. 403(b) is not a pension account. Pension account is generally a ""defined benefit"" account, whereas 403(b)/401(k) and similar - are ""defined contribution"" accounts. The difference is significant: for pensions, the employer committed on certain amount to be paid out at retirement (the defined benefit) regardless of how much the employee/employer contributed or how well the account performed. This makes such an arrangement a liability. An obligation to pay. In other words - debt. Defined contribution on the other hand doesn't create such a liability, since the employer is only committed for the match, which is paid currently. What happens to your account after the employer deposited the defined contribution (the match) - is your problem. You manage it to the best of your abilities and whatever you have there when you retire - is yours, the employer doesn't owe you anything. Here's the problem with pensions: many employers promised the defined benefit, but didn't do anything about actually having money to pay. As mentioned, such a pension is essentially a debt, and the retiree is a debt holder. What happens when employer cannot pay its debts? Employer goes bankrupt. And when bankrupt - debtors are paid only part of what they were owed, and that includes the retirees. There's no-one raiding pensions. No-one goes to the bank with a gun and demands ""give me the pension money"". What happened was that the employers just didn't fund the pensions. They promised to pay - but didn't set aside any money, or set aside not enough. Instead, they spent it on something else, and when the time came that the retirees wanted their money - they didn't have any. That's what happened in Detroit, and in many other places. 403(b) is in fact the solution to this problem. Instead of defined benefit - the employers commit on defined contribution, and after that - it's your problem, not theirs, to have enough when you're retired."


You can't have even a hundred dollars without it being invested somewhere. If it's cash, you're invested in some nation state's currency.       If that currency is USD, you have lost about 6% so far this year.       But what if you were in the stock market? It's been doing pretty well, no?       Thing is, American stocks are priced in American dollars. You have to put those variables together to see what a stock has really been doing.


They lost money on an absolute basis. They got slammed as a hedge fund because its returns are less than 0%, not because they underperformed relative to the market.   Hedge funds aren't mean to outperform a benchmark. They are meant to preserve (and grow) your funds. That's why long only houses are happy about their -15% when the market is down 30%, but a hedge fund should be above 0%.


If you are looking to invest for 1-2 years I would suggest you not invest in mutual funds at all. Your time horizon is too short for it to be smart to invest in the stock market.  I'd suggest a high-yield savings account or CD. I know they both have crappy returns, but the stock market can swing wildly with no notice. If you are ready to buy your house and the market is down 50% (it has happened multiple times in history) are you going to have to put off buying your home for an indefinite amount of time waiting to them to recover? If you are absolutely committed to investing in a mutual fund anyway against my advise I'd suggest an indexed fund that contains mostly blue chip stocks (indexed against the DOW).


The answer is simple. People are sheep and creatures of habit. Apple has maintained a simple design and marketing ethos for a long time and over time they have convinced people that their phones are superior in quality and reliability. They have been endorsed in mainstream media over the decades as top of the line. Apple phones and products are not immune to software failure and don't have the best build quality. Trust me as a “nondenominational” repair technician I see more broken iPhones then anything else. Personally I find the iPhone to be an enigma of social engineering. Dell computers are another example of tech that is widely considered to be the best among pc manufacturers when msi can deliver an outstanding product as well. Dell built their brand to make people excited to get one. DUDE your getting a DELL!? When you buy an iPhone you are not buying the hardware you are buying their product which includes their name and ecosystem. Unfortunately for Apple fans it comes at a premium.


Why the heck am I paying you when I could've made triple myself for nothing?   That's a familiar line among the redeemers.   They will probably cry when they don't understand why their losses outpace most of the funds once the bear market comes, also.


I don't do this at all, but it's the internet, so hey, why not?  According to the IRS, penalties and fines are only non-deductible when they are paid for actual violations of laws/regulations.    So what crushedbyadwarf said is probably correct.  The penalty/fine reduces their income, and they become entitled to a refund on the tax they paid on that income.  It's still a questionable tax treatment of the penalty/fine.


"I don't know where you live, but $12 is an awful lot for a burger, fries and soda.  I do like Five Guys and eat there three or four times a year, but it is too expensive.  I live in the Southwest and there are lots of small family-owned Mexican restaurants here.  One of my favorites runs a $5.75 lunch special.  Last time I was there, it was carne en su jugo.  That's something between a soup and a stew, with chunks of beef, beans and bacon.  It is served with fresh tortillas, cilantro, chopped onions, rice, beans, and a basket of chips with salsa.  All made right there.  It is a more substantial meal and better tasting.  At nearly half the price.  The local Italian place has a $5 lunch special.  You get a salad bar and either a 12"" pizza or a bowl of spaghetti.  Again, all from scratch.  There is a good sit-down restaurant that is excellent, too .  Entrees (with soup or salad and bread) run $11-$25 or so.  This is why I think $12 for a burger and fries is too expensive.  It doesn't compete with better products.  You can feed two people better food for about the same amount, or have lunch at a fine restaurant for the same amount."


Did she work at a staff level prior to this?  I don't know her experience, but if she worked as a staff level security analyst for 20 years, then I would call her qualified.  Your degree doesn't matter. They are very rarely relevant after a year or two of employment.


"Can't blame them; they've just adopted the popular US school of thought on business.   Essentially, ""Rush it to completion for short-term profits for upper management, and either hope to continue making a series of short-term profits to stay in business or let someone else clean up the mess."""


> But judging by votes seems most redditors don't agree with you.   you mean my origional post that's at the top of the page?  > Honestly I don't see why you are so upset about it.  I'm not upset. It's the internets, dude. What, you think it's real? LOL!


Everything on that Medium account is from posts and threads taken from other sites. Building a brand by having nothing to offer but stealing from other people makes me rage. I reported the Medium already. More people should.  The thing about good content is that eventually, people are going to want to know who really wrote it. Well, the decent people who give a damn about things like sourcing and attribution anyway.  Edited: Actually, it's pretty clear the OP (AristotleOnassis) *is* @SoldOutSupplier just by looking at their reddit history.


"I work in analyzing economic development projects in the Midwest like this, and one of the most frustrating aspects of my job is when people try to distill and simplify complex financing structures for the sake of misleading others and furthering an agenda. It's not uncommon that I see small local blogs write articles saying something to the effect of ""Major Development Project Skips Paying the Taxes it Rightfully Owes!"" completely disregarding the fact that in most cases the local government's options are to either give the developer an incentive and make some additional money, or offer nothing and watch the developer walk away from the table for a different site the next county over. Most governments, given the choice, would take lowered tax payments and more jobs over no tax payments and no jobs.  Since I was curious, I decided to do a quick back-of-the-envelope calculation of this project using a common economic impact model. I used a conservative assumption of 3,000 new jobs (the minimum Foxconn expects to have by 2020, and well below the maximum capacity of the factory) in the Audio and Video Equipment Manufacturing (6-digit NAICS code of 334310) industry, using the entire State of Wisconsin as a geography. This industry has average annual earnings in Wisconsin of $56,000, so I subtracted out $3,000 per job to make it in line with the article. I also used the liberal assumption that 100% of these jobs will be considered ""net new"" or that they won't be replacing or destroying any existing jobs within the state.   The results:   - Salaries alone will amount to about $160 million per year, assuming all workers receive the same salary of $53,000.   - Indirect effects (basically new jobs and spending for other industries used to support and maintain the factory, that aren't directly employed by the factory itself) will add an additional $20 million in earnings annually.    - Finally, induced effects (the economic impact of new employees spending their salaries within the economy) will add an additional $80 million.   - Total change in jobs (including factory workers, maintenance and utility workers, and new workers in supply chain industries) is estimated as just north of 5,000.   This adds up to $260 million in additional annual earnings within the Wisconsin economy. There is a lot more to be considered when looking at a project like this, and there are **a lot** of ways Wisconsin or Foxconn can fuck this all up, but it isn't out of the realm of possibility that attracting this new plant will end up being a worthwhile plan for Wisconsin.   Also, this quote:  >“We are calling this development ‘Wisconn Valley,’ ” he said, speaking from the East Room of the White House, “because we believe this will have a transformational effect on Wisconsin just as Silicon Valley transformed the San Francisco Bay area.”  Sounds like bullshit. Silicon Valley is largely research and development, not manufacturing. Saying that you'll replicate the success of software engineers earning $120k a year by bringing in more $50k a year manufacturing jobs is misleading at best."


I think legitimate companies and patent trolls have been suing and licensing and participating in patent land grabs for years and years now. I don't think there's any CEO out there that reads the latest Apple news and realizes they could have been doing this all along.


Those guys and ladies bust there asses 12 to 18 hours a day of never ending work from the time they were little kids you won't find to many people that work that hard . I should now I was one of them but never made it. All that work for nothing it's a big risk to dedicate all your time and effort. I should have became a doctor and a lawyer. It would have been easier and I would have something to show for it. The price of chasing your dreams.


No way dude. I hate grocery shopping. Always forgetting my reusable bags, looking for parking, people blocking the isles, long lines, making awkward small talk with the cashier, hauling heavy bags up the stairs... I use Amazon Fresh now, and it is THE SHIT. Only complaint so far is the quality of produce, which now, with the Whole Foods acquisition, may improve for the better. Living in the future is awesome.


>[**Как быстро заработать деньги? 3 топ инвестиционных хайпа!Сайты, которые платят по состоянию на 08.09 [2:57]**](http://youtu.be/H1TIOAZtBek)  >>Здравствуйте Друзья!!! В этом видео, вы можете узнать ,как можно быстро и практически на автомате заработать криптовалюту биткоин и обычные деньги! Остались вопросы, пишите в группу,ссылка ниже  > [*^Финансовый ^Вектор*](https://www.youtube.com/channel/UCAOABF2yT1SjVqI7RK9aIUg) ^in ^People ^& ^Blogs  >*^2 ^views ^since ^Sep ^2017*  [^bot ^info](/r/youtubefactsbot/wiki/index)


While Rocky's answer is correct in the big picture there is another factor here to keep in mind: The disruption while you're waiting to resolve it. If a fraudster gets your card and drains your account you'll get your money back--but there will be a period while they are investigating that it won't be available. For this reason I avoid debit card transactions and only use credit cards.  If the fraudster gets your credit card you might lose access while they investigate but you don't lose access to your bank account.


It's been awhile since my last finance course, so school me here:  What is the market cap of a company actually supposed to represent? I get that it's the stock price X the # of shares, but what is that actually representing? Revenues? PV of all future revenues? PV of future cash flows?  In any case, good write up. Valuation of tech stocks is quite the gambit, and you've done a good job of dissecting it for a layman.


For public carpark owners, Inugo’s services can bring in more customers and lower operating costs while private carpark owners are provided with a platform to monetize their currently unproductive parking assets. Inugo can be installed on both gated and un-gated sites, and motorists can pay directly through the app, removing the hassle of paper tickets and parking machines.


If you have not tried to lose weight and there is nothing in your life that can cause you to lose weight temporarily, then maybe you can have an underlying health condition that can be serious and that seriously affects your health. Therefore, it will be necessary that you go to your doctor and take weight loss supplements as soon as possible. Diabetes can affect anyone at any age, although older people usually have diabetes. There are times when diabetes can cause weight loss inexplicably, especially in cases where diabetes is not being treated. The person may feel as if he is more nervous, start to lose weight, as if he is always hungry, urinate frequently, have blurred vision and have frequent infections.


this is a very important step. Sadly most businesses have already deals with Big Banks for salary payments. So much like the ubiquitous IE despite all the alternatives, Big Banks will still have their liquidity and addiction satisfied to continue gambling until someone says enough.


That is true. Since commodities are basically a futures contract, their actual price is not reflected in grocery stores. It is more of a supply and demand issue with your grocer.


If you set up two Paypal accounts (one linked to your UK bank account and one to your US bank account and get them both properly verified) you should be able to transfer the money for free as far as I know.  You would have to fund the transfer directly from your UK bank account (not via a credit card).


You were approved for the offer based on your current credit, just like any other offer of credit.  The offering bank knows you'll likely use their offer if you accept it.  If you accept the offer and load up the new card to the max with your (or your relative's) debt and your score will then change.  Depending on the other factors that impact your score this could carry some negative consequences related to your own ability to obtain debt.  Also, consequently, this will have a tremendously positive effect on your relative's ability to obtain debt. I understand that you trust this person enough to be asking this question.  No amount of trust protects from the unforeseen.  Ultimately while this debt resides in your name, in the eyes of the creditor it is yours.  While you could seek legal remedy from your relative if they don't or can't pay, you will be on the hook to the bank.  Again, there are unforeseen events, a car accident, a death, etc.  If this person passes, that's your debt. IF (and I can't emphasize the IF enough) I was ever in a position to be considering what you're considering I would do this: I mentioned in a comment under your question.  This feels like it would carry a tax consequence (or maybe benefit) to one or both of you.  I have no idea of the legalities, or whether or not any of this violates a cardmember agreement, but as other answers have pointed out, I doubt there is a balance transfer police.


"According to this link http://taxes.lovetoknow.com/federal-income-tax/w9-tax-form: The very last line on the personal information section refers to ""account numbers."" Here, the taxpayer lists any accounts they have with the IRS to pay back taxes or pre-payments for anticipated tax liability obligations. This information is optional and is inapplicable in many situations."


You will need to first try and get the seller to refund.  (Get the name of the person you talked to and a date and time). Then you can contact the bank the card was issued through and dispute the charge.  I would make sure that you retain any proof that you purchased one item and received something other than what you purchased.  The seller does have recourse if they did fulfill their side of the transaction but if they are a legitimate merchant and actually sent you the wrong product most will not bother.


If you want higher returns you may have to take on more risk. From lowest returns (and usually lower risk) to higher returns (and usually higher risk), Bank savings accounts, term deposits, on-line savings accounts, offset accounts (if you have a mortgage), fixed interest eg. Bonds, property and stock markets.  If you want potentially higher returns then you can go for derivatives like options or CFDs, FX or Futures. These usually have higher risks again but as with any investments some risks can be partly managed. Also, CMC Markets charges $11 commission up to $10,000 trade. This is actually quite a low fee - based on your $7,000, $22 for in and out of a position would be less than 0.32% (of course you might want to buy into more than one company - so your brokerage would be slightly higher). Still this is way lower than full service brokerage which could be $100 or more in and then again out again. What ever you decide to do, get yourself educated first.


Chúng tôi cung cấp cho bạn tốt hơn servicew của thạch cao và trần nhà tất cả các nhà thiết kế nhất của trần nhà đẹp. Mục tiêu của chúng tôi là cung cấp sự hài lòng về thạch cao và trần nhà. Cần phải sửa chữa nhà với thạch cao chất lượng mà là duarble cho thời gian dài. Chúng tôi có kinh nghiệm tốt về thạch cao và trần nhà, trần nhà vàch ngan thạch cao theo phong cách mới nhất là ấn tượng rất tốt. Đó là cái nhìn đẹp của mái nhà trong phòng.  Chúng tôi rất tự tin để cải thiện điều kiện nhà hoặc văn phòng với đội ngũ chuyên nghiệp cao.


"It's the inevitable result of the Fair, Isaac Company deciding to sell access to credit scores to the general public: some marketing dude at one of the banks thought, ""Wouldn't it be a great idea if we could use 'free' access to FICO scores as a differentiator for our CCs?"" And, because most humans play follow the leader, soon enough, other banks were paying FICO a license to present FICO scores to their card holders."