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what is the purpose of a job training | I'm not saying I don't like the idea of on-the-job training too, but you can't expect the company to do that. Training workers is not their job - they're building software. Perhaps educational systems in the U.S. (or their students) should worry a little about getting marketable skills in exchange for their massive inv... | "> where I live theres a huge shortage of people in a lot of jobs with low to mid skills and a gigantic surplus of waiters making minimum wage + tips Can you provide examples of this? Do these ""low to mid level"" skill jobs require schooling or training, what are the requirements. A waiter just has to show up, wha... | I answered the first one, there is no time to train Americans in useful job skills because they are too busy with government schooling instead. As to the second question, I was being hyperbolic when I said 5-18 (school age). I do think teenagers could start to be trained in useful job skills, not prepubescent children ... | We also have for-profit, career-oriented schools which take advantage of students and get them to pay for training that used to be done on the job. The training is often sub par and the only students who do well are those who would have been able to teach themselves the skills at a fraction of the cost. The influx of m... | > but we as a society do not even offer enough college courses to let people learn new skills. Is this part of the problem? We, as a society, seem to be fascinated by training. I know of several people who are quite capable, but feel inadequate in doing a job until what they are doing has been validated by someone ... | It would be wise for company owners or employers to have their employees train on health and safety practices especially if their job involves some risks. The training will not only prepare them in case of accidents but will also boost their confidence in doing their tasks. | [
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what does the dfa do | So nothing preventing false ratings besides additional scrutiny from the market/investors, but there are some newer controls in place to prevent institutions from using them. Under the DFA banks can no longer solely rely on credit ratings as due diligence to buy a financial instrument, so that's a plus. The intent bein... | "... what does any broker encourage? The ability to buy or sell at the market. How do they encourage that? By allowing people to do it at a lower cost. So, whatever others ""encourage"" people to do, Robinhood does the same, just for less money. Do people always do what's best or most successful? No, some people like... | What a stupid article. Does he think time stands still if Uber grows? Nobody will ever be able to offer rides at a reasonable cost? Does he think that money will keep pouring into Uber forever, allowing them to do what? Lose money on a service? | "Sun Tzu and Carnegie are fine for thinking about interpersonal exchange. But they aren't business books: What do i measure, why, and what does it mean; what does it mean to run a business. I think those are critical, and list of books should the capabilities you need Strategy: ""Good to Great"", ""Esential Drucker"" ... | That has nothing to do with what I said. Undoubtedly the USPS does many things that make them money. They also seem to do things that don't make them money, as evidenced by them cutting those non-money-making things to balance their budget. And due to congressional interference, the USPS often does irrational things, ... | That however does not change the fact that there are times and always will be where filtering on philosophy is in fact the right thing to do for the business and exactly what they'll do, whether they admit to it or not. | [
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can you use the fsa in a cafeteria | You can never use a health FSA for individual health insurance premiums. Moreover, FSA plan sponsors can limit what they are will to reimburse. While you can't use a health FSA for premiums, you could previously use a 125 cafeteria plan to pay premiums, but it had to be a separate election from the health FSA. Howeve... | "Companies often provide cafeteria, or catering services, to employees tax-free at subsidized rates. I'll use ""cafeteria"" as an illustration. The IRS says that in order to avoid lunch being taxed as income, the employees must pay the ""direct costs"" of the lunch, food and labor. In addition to those costs, cafeteria... | Child care expenses aren't exactly deductible without the FSA, but if you can't use the FSA and end up paying them with after tax dollars, you can use these expenses to qualify for the Child and Dependent Care Tax Credit, which, depending on your circumstances, could save you more money than the FSA would have saved yo... | I believe the following statement by JAGAnalyst is incorrect: In your wife's case, if you have an HSA and she has traditional health benefits with an FSA, this is not considered a problem since she can only use the FSA money for expenses incurred by members of your family on her plan. Unless your FSA funds can only be ... | "Thanks for your additional comments Sam, that is helpful. Here is an overview of what you can and cannot do with an FSA as it applies to your situation. The government intends that a general health FSA be used to cover expenses that are usually out-of-pocket when you are covered by a qualifying health plan. It is fund... | "The interesting thing about an FSA is that you have access to your total annual election immediately. After electing to put $200 per month toward your FSA, you can go have a $1,500 surgery on January 3rd and pay with your FSA funds. Then you can leave the company on February 1st, and not owe the company anything. I ... | [
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what brand of screen is samsung | Samsung created the LCD and other flat screen technology like OLED. a few years ago every flat screen came from Samsung factories and were reshelled. I think the 21 Hanns screen I am looking at now is Samsung and it is only a couple of years old. Samsung seem to be a good company. | Samsung tried making smaller screens with the Galaxy S2 Mini and the Mini S3. They had iPhone sized screens compared to their larger main lines. They had the same specs and price, they were just an inch smaller. Long story short, no one bought them and the Mini line tanked. Now Samsung only makes large phones and they... | Buy best phones within affordable prices, now you can buy the Samsung, android smart phones online through at shopallitems,which is one of the best online stores in the Dubai, UAE. We are offering a Samsung J1 mini and new samsung phone J1 prime which available in the AED350. 00 and AED249.00 and along with these thing... | When our 20yo Sony Trinitron died I researched all the Audio/Video forums and the consensus was that Panasonic Plasmas have the best picture. When I went into the department store to buy one they had a Panasonic and a Samsung LCD on display right next to each other and the difference in quality was noticeable (Samsung ... | To be fair I don't think it's that hard to believe that Samsung is making tons of money now - being the largest manufacturer of cell phone chips and OLED phone screens is a pretty nice place to be. Nothing to fake there. | Laptop Screen--Laptoplcdscreenstore.com is a world recognized laptop screen store where you can purchase laptop screen of popular brands such as Dell, Acer, Compaq, LENOVO, Asus and many more. Providing an unmatchable quality at unbeatable prices, the store offers special deals on selected laptop LCD screens exclusivel... | [
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accredited investor definition | Here are the SEC requirements: The federal securities laws define the term accredited investor in Rule 501 of Regulation D as: a bank, insurance company, registered investment company, business development company, or small business investment company; an employee benefit plan, within the meaning of the Employee Reti... | SecondMarket attempts to add liquidity to privately held companies. You may be able to find a buyer there, but this is still incredibly illiquid due to accredited investor regulations constricting businesses from catering to the 99%. As around 1% of the United States population qualifies as an accredited investor. | Accredited investors are required to have 1 million in assets (not including primary residence) or $200,000/yr income for the last 3 years. These kinds of regulations come from the SEC, not the company involved, which means the SEC thinks it's a risky investment. If I recall correctly, [someone I know] had to submit ev... | "Previous answers have done a great job with the ""Should I invest?"" question. One thing you may be overlooking is the question ""Am I allowed to invest?"" For most offerings of stock in a startup, investors are required to be accredited by the SEC's definition. See this helpful quora post for more information on r... | "If you are a ""small"" investor (namely, not an accredited investor), then the transaction costs (commissions) for purchasing the stocks while attempting to duplicate DJIA will defeat any benefit. My personal preference is to purchase mutual funds rather than ETFs." | You cannot trade in pre-IPO shares of companies like Facebook without being an accredited investor. If a website or company doesn't mention that requirement, they are a scam. A legitimate market for private shares is SecondMarket. | [
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is john galt a libertarian | "Only relevant to those with fantasy economy teams. Seriously, Rand's fictional works never translate well into reality because, no matter how hard people try, that ""fiction"" element just can't be ignored. Test it yourself: Strip John Galt and his followers of everything they have which was created by or within the ... | Other than the capitalist owner/slave wage deal the Libertarians (US political party Austrian-market wingnuts, not social libertarians in general) so zealously defend. Face it, nobody who has a boss is free and no system in which bosses may exist is one to aspire to. This is the core of libertarian philosophy. To decl... | Let's change up the factors in this equation. Bruce is a board member of a company providing seed for corn and other crops to farmers all over the nation. John is a candidate, and one of his platforms is to eliminate all agricultural subsidies. Bruce campaigns very vocally for John, and John wins the election. Should... | :) Probably because I was born in a socialist country and did not know I was libertarian till very recently. Been thinking of myself as a fiscally conservative Democrat or independent and sometimes, even socially liberal Republican. Have been using the libertarian term only recently, when someone defined it for me. | "Agreed, but often it seems that gray area is exactly what these ""innovations"" are looking for. Repeatedly pushing down onto the struggling individual the past responsibilities of the wealthy corporation. Say this thing picks up steam and is revitalizing Walmart. John is walking out the door and ""critical"" del... | Why bother? You don't even acknowledge the impact of our oil lust on the rest of the world? Read a damn history book starting around WW1 and Sykes-Picot. But that's the typical libertarian MO. Take, take and take. If you were a true libertarian (most people who claim so are not) you refuse all foreign sources of o... | [
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what is the futures contract called | Futures contracts are a member of a larger class of financial assets called derivatives. Derivatives are called such because their payoffs depend on the price of other assets (financial or real). Other kinds of derivatives are call options, put options. Fixed income assets that mimic the behavior of derivatives are cal... | In order to understand how much you might gain or lose from participating in the futures markets, it is important to first understand the different ways in which the slope of the futures markets can be described. In many of the futures markets there is a possibility of somebody buying a commodity at the spot price and ... | "Well, futures don't have a ""strike"" like an option - the price represents how much you're obligated to buy/sell the index for at a specified date in the future. You are correct that there's no cost to enter a contract (though there may be broker fees and margin payments). Any difference between the contract price ... | "No, it means that is only the notional value of that underlying asset of that contract, generally. The contract specification itself is listed on the exchange's websites, and there are really no assumptions you can make about a particular contract. Where S&P futures have one set of specifications, such as what it actu... | "Sell 200 at 142. What does that mean? I haven't seen the movie, so I won't try to put anything in story context. ""Sell 200 at 142"" means to sell 200 units (usually shares, but in this case it would likely be gallons or barrels of orange juice or pounds or tons of frozen juice). In general, this could mean that yo... | "One of the principles of Sharia Banking is (Wikipedia): Shariah prohibits what is called ""Maysir"" and ""Gharar"". Maysir is involved in contracts where the ownership of a good depends on the occurrence of a predetermined, uncertain event in the future whereas Gharar describes speculative transactions. Both concepts ... | [
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is smellsy free | This month when you join Scentsy you get a free defuser with your kit! This has never been done before. You also get spring / summer and Fall / Winter testers plus all your kit items! Be your own boss! You choose what hours you work, when and where you work them. Join my Scentsy family today! [Amanda C. Robar... | "http://www.interactivedata.com -> reference data No, it's not free. Nor would I consider it ""high quality"". For free data, try the Yahoo Finance API. The data you want is there, though you may need to calculate some of the fields yourself. Once you have your application working with free data you will be in a... | > it was no longer free to deliver that sort of content It's not free. Content providers pay for the right to access the network, just like you or I. Their bandwidth (**not** usage) needs are greater, and they therefore pay a notably larger monthly bill than most individuals. But it's not free. | If both bank accounts are in your name, it appears that NS&I have a free International Payments Service. The Post office international payments are apparently free if you transfer at least £250. In both cases, I have not used the services and I'm not sure if there is some catch that I have missed. Perhaps they only a... | Free File is not software by the IRS. Free File is actually a partnership between the IRS and the Free File Alliance, a group of tax software companies. The software companies have all agreed to provide a free version of their tax software for low-income taxpayers. According to the Free File Alliance FAQ, the Allianc... | Whatsapp Application is either free or a paid application for iOS users, depending on the region. In India they charge $1 at the time of downloading the application. In the US, it's free for the first year, and then a $1 per year subscription (though the initial app download is free). This is one of their revenue sourc... | [
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what is paypal currency value | Whenever you pay or withdraw some fund from your account, paypal takes approx 3% of the current currency value along with the fees. i.e. If you are paying/withdraw 100 unit of US Dollars to British pounds and if the current convertion rate is 1$=0.82GBP, then consider reducing 3% of the actual currency rate. So, the ap... | "FYI, just found this (https://www.paypal.com/webapps/mpp/ua/useragreement-full#8) ""8.9 Currency Conversion Currency Conversion 2.5% added to the exchange rate The Currency Conversion spread applies whenever a currency conversion is required to complete your transaction. The exchange rate is determined by a financial ... | You could of course request payment in EUR or USD, maybe keep a PayPal account and just leave the funds in PayPal unless you need to withdraw the money in local currency? Either currency would be fine because the problem you are trying to overcome is the instability in the ruble. EUR and USD both accomplish that. If yo... | Yes. I have a US based website that accepts payments via PayPal and can confirm we have many customers from India. Here is a list of countries PayPal supports. Note typically there are some additional fees associated with currency conversion. | It is worth checking currency types you have authorised on your account, and that the payment that your client sent is in one of those currencies. Paypal will not always move or convert between currencies, and I have seen payments held for authorisation where simply enabling the paid currency at the receiving end would... | I found the answer to what you're looking for in the PayPal Help Center. Refer specifically to the question PayPal - How much do you charge to my card when confirming my debit or credit card?. Quote: We take the extra step to confirm your card so that we can verify that the card is valid and that you are the card ow... | [
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is netflix a dvd rental | So you asked him in 2010 how he was gong to compete with DVD rental distributors like Netflix (which is what Netflix primarily was at the time) and Lovefilm and you were surprised that he was he said they were going to continue to compete as a DVD rental distributor just like the mentioned competitors? | I don't understand the hubbub about qwikster. Netflix wants to move in the direction of streaming only and they should. I don't even have a dvd player hooked up to my tv anymore. If you want dvd's you will still get them in basically the same fashion except the name will be different. What's the big deal? | > help them save money I believe they should also focus on brand loyalty (PR), more than cutting costs. The whole FBI and Apple thing.. the way Mr. Cook handled that, made me like Apple a whole lot more. Things like that can inspire loyalty. > A better quality control Also this. I rented Scarface, some ra... | Cool. I used Netflix for awhile and liked it also. I stopped using it because the DVD content was limited. Also I can't run their app's on linux. So I can't do the streaming. Anyway $10/month beats my comcast bill of $100/mo for cable. | I couldn't agree more. It's a shame the music industry is so ripe for disruption. Similarly to what on demand, and netflix did to the dvd industry. However because of the immense music catalogues that the industry has, any disruptive technology like spotify has to pay heavily for the music, no matter how great the idea... | I think you're discounting the idea that cable companies will hardly have any subscribers and netflix will be producing more content than all of the major studios that exist today combined. They're going to dominate online media delivery and who knows what other things they might roll out one day. Remember how people... | [
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fdic savings account | In the US, I would say the risk is exactly the same. If your accounts are withing the FDIC amount (currently $250,000) your balance is 100% covered in case of a failure. You are giving up a larger network of ATMs in some cases. You are also perhaps giving up the number of branches you can visit, the hours the bank is... | Everyone would like a savings/checking account that has the same liquidity as others but pays multiple times as much, but such a thing would break the laws of finance. The thing keeping savings and checking accounts cheap isn't particularly the FDIC insurance but the high liquidity and near certainty that you will not... | Most people who have over $250,000 in liquid cash savings would not want to start putting their money into regular savings accounts in different banks, especially with interest rates as ridiculously low as they are now in 2014-15. People with money will want to diversify their investments in ways that will potentially... | Peer to peer lending isn't FDIC insured. You can lose all your investment with peer to peer lending, whereas you will not lose your deposited money in a savings account, even if it doesn't grow very fast. | "But it's also true that the FDIC (or equivalent) insurance account doesn't have enough to cover all deposits. The FDIC may come in handy if your local FDIC member bank goes belly up and a few hundred depositors need to be made whole. However, in a national crisis, where the government is ""legally"" stealing funds, ... | If the funds are deposited into a noninterest-bearing account, they will be covered by FDIC insurance regardless of the amount (However, this extended coverage may not be valid after Dec. 31, 2012): On November 9, 2010, the FDIC issued a Final Rule implementing section 343 of the Dodd-Frank Wall Street Reform and Consu... | [
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do cablecards work | I don't know what the fee is, I just made up $5 as an example. It doesn't surprise me at all that Comcast is charging $20. I don't really mind that I don't have on demand, it doesn't bother me. But after the disaster that CableCards were, there was no chance that tru2way was going to work if the industry had any say i... | "This is one correct answer. Googling ""cable card host"" and poking around is another. Neither Motorola, Cisco, nor Pace will sell directly to consumers. The problem here is the perceived lack of a ""real"" market. Each CableCard host to be deployed needs to be certified via [CableLabs](http://www.cablelabs.com/), ... | Don't discount regulatory issues (the mess that was CableCard, Tru2Way, tuning adapters, and the lack of AllVid) and monopolistic pressure (the cable companies liked receiving $5/box/month and don't want to give any of that income up, combined with fear of becoming the dumb pipe they really are so they applied as much ... | They didn't have a choice. None of the cable companies wanted the TiVo to exist. In the analog days there was nothing they could do to stop it. With digital they were forced to support Cable Cards, but that was a total disaster. Due to foot dragging, terrible capabilities, customer hostile policies, and techs who had n... | What killed TiVo is the cable monopoly. Their business is tied to a service that a competitor has control over. I have a TiVo in my house. Comcast charges me $8.00 to use it, plus $2.00 for the cablecard inside. I had looked into a second unit, but Comcast told me this would be *another* $10/month. On top of the ... | What are you complaining about? Do you want ILLEGAL alien workers to work as slaves for less-than-minimum pay to pick the crops? That the USA does not issue temporary visas for migrant workers to come in fields? That farmers do not pay enough for people to work in the fields, except slave migrants? That Americans r... | [
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how to find stock price based on nav | "At any given moment, one can tally the numbers used for NAV. It's math, and little more. The Market Cap, which as you understand is a result of share value. Share value (stock price) is what the market will pay today for the shares. It's not only based on NAV today, but on future expectations. And expectations aren't ... | NAV is how much is the stuff of the company worth divided by the number of shares. This total is also called book value. The market cap is share price times number of shares. For Amazon today people are willing to pay 290 a share for a company with a NAV of 22 a share. If of nav and price were equal the P/B (price to... | "You seem to be assuming that ETFs must all work like the more traditional closed-end funds, where the market price per share tends—based on supply and demand—to significantly deviate from the underlying net asset value per share. The assumption is simplistic. What are traditionally referred to as closed-end funds (CEF... | The price of a share of a mutual fund is its Net Asset Value (nav). Before the payout of dividends and capital gain distribution, the fund was holding both stock shares and cash that resulted from dividends and capital gains. After the payout, a share only holds the stock. Therefore once the cash is paid out the NAV mu... | Any ETF has expenses, including fees, and those are taken out of the assets of the fund as spelled out in the prospectus. Typically a fund has dividend income from its holdings, and it deducts the expenses from the that income, and only the net dividend is passed through to the ETF holder. In the case of QQQ, it cer... | "Your employer sends the money that you choose to contribute, plus employer match if any, to the administrator of the 401k plan who invests the money as you have directed, choosing between the alternatives offered by the administrator. Typically, the alternatives are several different mutual funds with different invest... | [
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canadian importers trade in cny | Chinese suppliers can quote their price in CNY rather than USD (as has been typical), and thus avoid the exchange risk from US dollar volatility- the CNY has been generally appreciating so committing to receive payments in US dollars when their costs are in CNY means they are typically on the losing end of the equation... | For margin, it is correct that these rules do not apply. The real problem becomes day trading funding when one is just starting out, broker specific minimums. Options settle in T+1. One thing to note: if Canada is anything like the US, US options may not be available within Canadian borders. Foreign derivatives are u... | It depends primarily on how the Canadian economy is designed i.e export oriented or import oriented. If you look at this, it shows more or less equal amount of exports and imports. For the specific case of Canada, the exports would become costlier, because of a costlier dollar, but at the same time imports would become... | It wasn't that long ago that Tim Horton's was owned by Wendy's, another American fast food chain. The only reason Investment Canada would have to block a foreign takeover would be if it would risk Canadian jobs (which this one wouldn't) or risks putting an important Canadian resource in foreign hands (which this takeov... | Investing in commodities is iffy in the best of times. Potash already has expectations priced in, so I prefer to play CNI, the railroad doing most of the hauling. Uranium? No. Uranium has been touted for a decade or more without results. Thorium is the preferable future nuclear fuel, and there is lots of it. | It is absolutely feasible to move your savings into Canada. There are a few ways you can do it. However it is unlikely you will benefit or avoid risk by doing so. You could directly hold your savings in the CAD. Investing in Canadian bonds achieves a similar goal as holding your money in the CAD. By doing so you will b... | [
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are you required to be a lawyer in florida? | "I read the post. I read what **they said** about it. Yet, that part makes **no sense**. They keep talking about ""only avilable to members of the Florida Bar"" but stop and think about how that doesn't make sense. Are they in a *florida* court or in a *federal* court? Or an IP/administrative setting? Some thi... | To the best of my knowledge, Los Angeles County does not require a lawyer to be involved in a real-estate transaction. I looked through the County Recorder site and found no evidence that a lawyer is required. I live in a different county in California where a lawyer is also not required for real-estate transactions. S... | "I'll answer in general terms, since I'm not familiar with the price ranges in Florida. The LLC formation costs $125 (state fee). In addition you'll need a registered agent. Registered agent could be your CPA/EA/bookkeeper/property manager/local friend, or you can pay firms specializing in providing registration and ag... | TL; DR : OP (for our purposes) has many years of copyright and history with business name. Scumbag insurance company start using same name. OP gets lots of insuance related calls and contact from confused customers. Scumbag insurance Co. uses Florida legal system, including scumbag judge, to try to screw Good Guy OP... | As a nonresident sole proprietor or partnership You are not a sole proprietor or a member of a legal partnership. You are an employee for a corporation. Does the nature of your work require you to be present in New York regularly? If you are in New York for personal reasons, you are simply telecommuting. You must pay ... | The legal system can be unfair sometimes but honestly these people brought this on themselves. The author glosses over the most important part of the post: they sent a letter threatening a dilution claim before the insurance company sued, which is probably what prompted the suit in the first place. These idiots were pi... | [
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what did the monopoly do? | > monopoly > names 3 giant companies who compete with each other in almost every industry possible What happened to /economy :(. It used to be actual business minded people, now it's becoming another socialist echo chamber... Sad to see. | So, you agree that the government is actively colluding with klepto-capitalists to restructure the US into a series of all-dominating monopolies crushing consumer value and worker interests, but you don't think the gov officials doing that are in it for their own gain and not yours? Bro, do me a favor, look up Hillary... | I leveled my statement to ensure that you did not miss the call to get rid of net neutrality. I have no dog in the fight over perceived or real trusts or monopolies. Essentially I was calling you out for your incorrect statement. | "This is the best tl;dr I could make, [original](https://www.project-syndicate.org/commentary/monopoly-power-wealth-income-inequality-by-mordecai-kurz-1-2017-09) reduced by 94%. (I'm a bot) ***** > In a recent paper measuring the economic effects of monopoly power, I approximated normal levels above which profits or... | "Just out of curiosity, what do you mean by ""de-facto monopoly""? Do you mean oligopoly? Also, T-Mobile is an outsider (owned by Deutsche Telekom AG) that has been in the U.S. for over a decade and it hasn't had much of an impact." | That's... sort of what anti-trust law does. The idea of anti-trust law isn't to help small companies to compete. It's to stop big companies from abusing consumers. That's why you not only need to be a monopoly, but you also have to abuse that monopoly position. A good comparison here may be the anti-trust concern... | [
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what does it mean when a support staff ignore it | What happens would depend on company culture. At the very least they could pass it on to their manager. Or maybe the company just pays support staff by number of answered emails in which case you get the quickest pre-canned answer they can provide. But the net effect is they will continue to lose to alternatives bec... | Yes it can, assuming that the margins on what you sell can actually support paying for the support staff required to do this properly. If you already sell cheap crap, having good support is pointless. If you're selling quality stuff that people enjoy, then hell yes you need good support. | They typically have no concept of their role in the business. They provide a service that supports a business function, this business function being the part that actually makes money. IT policies do not make money. Being a condescending asshole does not make money. IT personnel doing their jobs != doing my staff a ... | I hope you all can forgive my ignorance of the topic. But what does it mean when you invest in gold? Do you actually own real gold somewhere? I don't know how it works so if someone can explain it to me I'd appreciate it. :) Again sorry for asking probably a stupid question lol. | you: >Pleading ignorance, what is the difference between revenue and sales? me: >[ignorance doesn't cut it in your case](http://lmgtfy.com/?q=sales+vs+revenue) Or does your ignorance include ignorance of hyperlinks too? Hint: click the link and use this problem solving approach in the future when you again... | Fast Domain is here to secure the businesses of their clients and is confident that they can provide you with the highest level of support with patient and friendly support staff waiting to help their clients with their needs. They have a veteran hosting team that knows what it takes to be one of the best and how they... | [
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what is the purpose of the knockoff system | We write them off as cheap knock offs because that's what they are. They are no match when they come up against the superior technology of the US and her allies - they are only a threat when these countries use them against their own people to stifle dissent. | More like China steals Tesla IP and sells knockoff Teslas in China. They may not even try to sell in the US market since they've never successfully entered before. This is a win-win, Tesla gets access to the Chinese market where their Teslas will be superior for a long time, and if the Chinese brand gets good enough to... | Top Gear (~~or was it Grand Tour~~) did a [special on chinese cars](https://vimeo.com/40226173) a few years back. In ~2007, the first domestic chinese cars were worse than Model Ts, then they started stealing IP and by the early 2010s the cars were knockoffs of western brands. Perhaps, they've improved since that time,... | In Germany in our discounters very often we have such store-owned off-brand boxes which look quite bland, but the content is not rarely made in the same factory as the higher priced brand. It just looks like that to save on marketing costs. Obviously it's not always like this but if you do some research you will find ... | I'm not unsympathetic, but insurance of what kind? I don't know how he'd have owned a restaurant but failed to pay into the social security system. Was he paying taxes at all? As for the 'why,' there's not enough checks and balances to make sure that nothing is done under the table. I believe 40 quarters of work would... | > Their trading Bitcoins doesn't validate its utility and guarantee its survival Yeah definitely. Their trading of Bitcoin basically violates the blockchain system which backs and creates their value. The whole purpose was to create a pier-to-pier system which didn't need to involve banks. | [
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how long to wait until you change to a balanced option | My super fund and I would say many other funds give you one free switch of strategies per year. Some suggest you should change from high growth option to a more balance option once you are say about 10 to 15 years from retirement, and then change to a more capital guaranteed option a few years from retirement. This is... | The general rule with stock options is that it's best to wait until expiration to exercise them. The rationale depends on a few factors and there are exceptions. Reasons to wait: There would be cases to exercise early: Tax implications should be checked with a professional advisor specific to your situation. In the em... | This should all be covered in your stock grant documentation, or the employee stock program of which your grant is a part. Find those docs and it should specify how or when you can sale your shares, and how the money is paid to you. Generally, vested shares are yours until you take action. If instead you have optio... | "First lets understand what convexity means: Convexity - convexity refers to non-linearities in a financial model. In other words, if the price of an underlying variable changes, the price of an output does not change linearly, but depends on the second derivative (or, loosely speaking, higher-order terms) of th... | It's interesting that legacy manufacturing practices are now becoming important. How long until we see a lot of the traditional industrial control world get involved in the cannabis business? I can't wait to see Eaton and Siemens spin up their marijuana divisions. | "Unless you want to own the actual shares, you should simply sell the call option.By doing so you actual collect the profits (including any remaining time-value) of your position without ever needing to own the actual shares. Please be aware that you do not need to wait until maturity of the call option to sell it. Als... | [
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can an investor be held responsible for its debts | "> You do realize that investors are protected from being sued right? Not usually, no. If the investor is a partner in the company then they're just as responsible for the debts of their business as any other partner. If they're just a capital investor with no interest in the company business then sure - you can't ... | "I am not an expert in this stuff, but my understanding is that the debt is in the form of US treasury securities, which mature at set rates and are paid at maturation. So technically, the US Treasury ""pays off"" a portion of its debt whenever the debt securities mature. Thus, if China (or any country) buys new Trea... | Sounds like apple is using leverage, derivatives and its balance sheet responsibly. The numbers are big because this is the largest company in the world. Obviously, they are gonna get in trouble if people stop buying iPhones, but if there core business remains healthy they will have no issue accessing capital market... | "Hi, accounting major here! A lot of people mentioned both tax advantages and ""cheap"" money (money you can borrow at a low interest rate). Another reason businesses do this is to reward investors. Generally people with stock in a company want to see some of its operations financed with debt, instead of all of it fi... | > Indeed, the most popular of the funds, the Barclays iPath fund, known broadly by its ticker symbol VXX, has since its inception averaged a yearly return of negative 58 percent, according to FactSet. > Or look at it this way: If an investor bought VXX when it came to market in 2009 and held onto it until now, t... | "A simple response is that it's a good political/strategic move. Ford have effectively said, ""We know we still have debt, but we think the long term future is so good we can go back to paying dividends."" It builds investor confidence and attracts new money. It can also be seen as a way of Ford indicating that they be... | [
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how does stock market fluctuation affect risk | "So you're basically saying that average market fluctuations have an affect on individual stocks, because individual stocks are often priced in relation to the growth of the market as a whole? Also, what kinds of investments would be considered ""risk free"" in this nomenclature?" | How I understand it is: supply/demand affect price of stock negatively/positively, respectively. Correct. Volume is the amount of buying/selling activity in these stocks (more volume = more fluctuation, right?). Sort of. Higher volume means higher liquidity. That is, a stock that is traded more is easier to trade... | For example, if the Dow, S&P 500, NASDAQ are all down does that necessarily mean the Canadian stock will get negatively impacted? Or is it primarily impacted by the Canadian market? The TWMJF stock makes up a very small part of the Canadian market so it affects the overall market, but this doesn't mean that the overall... | "Nobody has mentioned the futures market yet. Although the stock market closes at 4pm, the futures market continues trading 24 hours a day and 5.5 days a week. Amongst the products that trade in the future market are stock index futures. That includes the Dow Jones, the S&P 500. These are weighted averages of stocks a... | "This is a classic correlation does not imply causation situation. There are (at least) three issues at play in this question: If you are swing- or day-trading then the first and second issues can definitely affect your trading. A higher-price, higher-volume stock will have smaller (percentage) volatility fluctuation... | It's important to distinguish between speculation and investing. Buying something because you hope to make money on market fluctuations is speculation. Buying something and expecting to make money because your money is providing actual economic value is investing. If Person A buys 100 shares of a stock with the intent... | [
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why are government bonds good | US government bonds are where money goes when the markets are turbulent and investors are fleeing from risk, and that applies even if the risk is a downgrade of the US credit rating, because there's simply nowhere else to put your money if you're in search of safety. Most AAA-rated governments have good credit ratings ... | Well, the potential problem is that the FTSE 100 could go down, or just not up. Really, it's as simple as that. After all, why diversify if the FTSE 100 will only go up? So, the question is, why wait to diversify? Why not add in the Gilt ETF for a little government bond exposure? Why not a Corp. bond ETF? Maybe a littl... | >Not to mention that Japan has a very good savings rate. Remember they buy a lot of bonds with their savings, Japanese bonds. This shows up as debt on the ledger. People really need to learn about government debt in general. | just pick a good bond and invest all your money there (since they're fairly low risk) No. That is basically throwing away your money and why would you do that. And who told you they are low risk. That is a very wrong premise. What factors should I consider in picking a bond and how would they weigh against each other? ... | "All bonds carry a risk of default, which means that it's possible that you can lose your principal investment in addition to potentially not getting the interest payments that you expect. Bonds (in the US anyway) are graded, so you can manage this risk somewhat by taking higher quality bonds, i.e. in companies or gov... | "If by ""putting money in the bank"" you mean regular savings or checking, then the bond locks a rate for a period of time, whereas your savings/checking rate can vary over that period. That variation might go for you or against you. Depending on your situation, you might prefer to take a determined rate to the varia... | [
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why does it matter how expensive baby care is for most kids? | Nonsense. In places where people have most kids, it doesn't matter how expensive baby care products are because most babies are born where they aren't used nearly as much, or at all. Sure, making them more expensive will help having less children in the first world, but that would change squat WRT the total number. | We got a diaper shipment as a baby shower gift. I thought it would be a bunch of crap but I was pleasantly surprised. * The diapers are far better at containing blowouts than pampers or huggies, and the designs were way better than the muppets on pampers. After staring at the rugrat's butt all the time while he does s... | I've been to SeaWorld San Diego once as a kid and as a kid I believed that SeaWorld cared for marine life and this was their way to help promote understanding for it. From what I've read and from what SeaWorld has done and is doing about it, the picture does not look pretty. No matter how much goodwill they do and ho... | I've found a much better time at the independent toy stores. My daughter is into some unique things at her age. Graphic novels and weird dolls. At 11 toysrus doesn't cut it. It's a shame though, babies r us was a great place for our baby needs when we had kids. In the end it is sad to see a toy store chain go d... | Hello, Dear Friend! Thank you for watching my video! Five Little Babies Jumping on the Bed Song Nursery Rhymes Songs for Kids by Eva TV Learn Colors with Crying Baby Dolls Are you Sleeping Nursery Rhymes Songs for Kids https://www.youtube.com/watch?v=k8-HzTiZyGc Bad Baby & Bad Shark Johny Johny Yes Papa Song Nur... | Hello, my Dear Friend! Steal Chips Johny Johny Yes Papa Song Learn Colors with Bad Baby Nursery Rhymes Thank you for watching my video! Five Little Babies Jumping on the Bed Song Nursery Rhymes Songs for Kids https://www.youtube.com/watch?v=hIAMkUdZ1QA Learn Colors with Crying Baby Dolls Are you Sleeping Nursery Rhyme... | [
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if i get to breaking point why is it gonna be miserable | Either way the govt is going to get to a breaking point and it's going to be shitty and miserable until they get there (and obviously when they get there it will get worse before it gets better). This bond trade just prolongs the shitty/miserableness even longer. Who knows how many more people will die from govt sponso... | > there are more people than ever with it This was my point. I get the rest too... but I kinda felt it was turning into a pissing contest so I was gonna' bail from the conversation. It's a little emotional too... so I'm trying to not be reactive with what I write. Thanks for your sensible reply. | Would you classify the Equifax scandal as a medium sized shock? I am 100% in agreement with your points, which is why when the Equifax news started to break I was very worried that was going to be the trigger. Why do you think that didn't have an impact, or could it still? | LOL. You think the game is fair, big man? You think its all about that one big idea, and then you're gonna be rich? Why don't you finish high school, and get a real job and plan your big startup, and then we'll have this conversation. | ICANN will protect you from theft but it might take months to sort out. I think the best ur gonna get is a registrar that supports 2fa. Setup auto pay of course and make sure registrar emails are valid/monitored. Why not just hand the domains yourself and charge them double. | There are many facets to the question of why HP is failing so miserably, but if you ask me it comes down to the many failing companies that they have acquired over the years. Compaq, Palm, etc. It seems like HP loves to scoop up companies on the downswing, spends billions for them, and then quietly kills them off with ... | [
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what is a hobby business | "As long as the losing business is not considered ""passive activity"" or ""hobby"", then yes. Passive Activity is an activity where you do not have to actively do anything to generate income. For example - royalties or rentals. Hobby is an activity that doesn't generate profit. Generally, if your business doesn't cons... | "Its is considered a ""hobby"" income, and you should be reporting it on the 1040 as taxable income. The expenses (what you pay) are hobby expenses, and you report them on Schedule A (if you itemize). You can only deduct the hobby expenses to the extent of your hobby income, and they're subject to the 2% AGI threshold.... | The difference between a hobby and a business is income. Yes, every country I know of allows you to do something as a hobby until it becomes profitable and then change it into a business once it becomes likely to turn a profit. There's usually a limit in terms of how much profit or revenue you can make before it must b... | "If this is truly hobby income (you do not intend to operate as a business and don't have a profit motive) then report the income on Line 21 (""other income"") of form 1040. If this is a business, then the income and expenses belong on a Schedule C to form 1040. The distinction is in the treatment of profits and losse... | IRS has it spelled out Business or Hobby? | "Thinking about the business overall, your ""profit"" would be: Since this is a sole proprietorship, the taxes are going to depend on your marginal tax rate. If you file jointly, your income will determine what your marginal tax rate is. If you file separately, there likely wouldn't be any tax on that income since it'... | [
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what is casual dining dining | No no - Casual dining restaurants have a business model that is increasingly obsolete, and rather than trying to adapt to changing market conditions, they're just blaming those dang kids. Sorry, but it's the market - if your product is bad, you won't succeed. Blame the market all you want, but it won't make a shred of... | Fusion Grill Dine & Lounge is the Top Restaurant In Navi Mumbai for Hangout with Family or Friends. Fusion Grill Dine & Lounge also offers the services as Vallet Parking, outdoor sitting, Smoking area, Private dining area, Line sport screening, and Wi Fi. For more information, Visit the website: http://fusiongr... | And you didn't even bother reading past the title. If you did read the article, you'd realize the CEO literally never blames millenials. The CEO notes 3 challenges - changing customer taste, slowing mall traffic, and declining sports viewership. The CEO also notes that millenials have a preference to cooking at home, ... | Dining room furniture set plays a pivotal role at every home. A sincerely purchased dining set can add a sense of style to any room at your home. It is an extension of your personality - so make sure to pick the one that is definitely you. | Fusion Grill Dine & Lounge is the Best Restaurant For Hangout In Navi Mumbai CBD Belapur which offers the cuisine from north India, South India, Chinese, Thai and other famous cuisine. We also offers the vallet parking and complete privacy in dining and eating. For more information, visit the website: http://fusion... | "> ""With a well-established brand, differentiated from other casual dining restaurants by its Garden Bar, we see significant opportunities to drive value for Ruby Tuesday,"" Aziz Hashim, the founder of NRD, said in a statement. This gives me hope that they aren't going to get rid of the salad bar (even if he did c... | [
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are treasury bonds safe | The only reason I can think of would be if you were convinced that you couldn't hold on to your money. Treasury Bonds are often viewed as very safe investments, and often used in some situations where cash isn't appropriate.. Also, they typically have a somewhat patriotic theme, helping your country to grow. In additio... | It can be zero or negative given the current market conditions. Any money parked with treasury bonds is 100% risk free. So if I have a large amount of USD, and need a safe place to keep, then in today's environment even the banks (large as well) are at risk. So if I park my money with some large bank and that bank goes... | The US Treasury is not directly/transactionally involved, but can affect the junk bond market by issuing new bonds when rates rise. Since US bonds are considered completely safe, changes in yield will affect low quality debt. For example, if rates rose to levels like 1980, a 12% treasury bond would drive the prices of ... | "For real. AAA treasury bonds are used a safe investment vehicle for the reason of ""its the US government, its safe"", which is pretty similar to the ""dude, who doesnt pay their mortgage?!"" line of thinking. You got people dumping money into these derivatives and suddenly someone goes ""oh yeah you just bought ... | It's worth pointing out that a bulk of the bond market is institutional investors (read: large corporations and countries). For individuals, it's very easy to just put your cash in a checking account. Checking accounts are insured and non-volatile. But what happens when you're GE or Apple or Panama? You can't just ... | Treasury bonds (of the same date and maturity) are completely fungible. One is exactly the same as the other. It doesn't matter who the Fed buys it from in the long term: there will be fewer outstanding Treasury bonds and more outstanding US dollars, and the price of a Treasury bond will be higher. If Goldman Sachs own... | [
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how to reduce ny energy demand | I'm in both markets and there are a lot of factors. Distribution costs in NY are ridiculously high. Different states have different generation mixes, access to fuel, different regulatory costs, different taxes, different availability of green/renewable energy as well as different mandates, different types of restruc... | > The alternative is to do nothing. No. Make green energy cost less via improvements to the product rather than tax schemes; energy storage with a greater density than petrochem, better designs for solar to reduce the per mgw cost, cover base load electricity generation with nuclear, etc. If you make conventional... | If *everyone* earned enough credits during the summer so they don't have to pay for their energy use in the winter then who is paying the people to produce the energy in the winter? It's mathematically impossible for net metering (crediting people at the same rate they are debited for each unit of energy) to work when... | Because the US Energy Information Administration at the time was run by the Bush Administration, which loved fossil fuels but hated renewables, so they predicted that coal and oil demand would soar while renewables would stall. They also predicted that overall energy demand would rise (so we must dig more coal!) yet i... | Some perceive current upgrades and advancements as the means to a more cost-efficient way of life. Unfortunately for residents across the nation, the electric upgrades make for an increase in monthly electric expenses. Therefore, it is up to us to conserve energy and reduce monthly energy bills. | Driver's license isn't relevant. If NYS considers you a part-year resident, they assess income tax on a pro rata basis. NY is broke now, so expect them to be really obnoxious about it if you make a lot of money. California probably has a similar policy. If you really make a lot of money, the demands of the states in th... | [
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does a 401k have any tax | First, to answer the question. The benefit of a 401k is that you don't have to pay income tax on the money contributed nor do you pay capital gains tax on the money that accumulates. You get that with the restriction that you can't willy nilly remove and contribute money to the account (and you are taxed on withdrawa... | Employer matches (even for Roth 401Ks) are put into traditional 401K accounts and are treated as pre-tax income. Traditional 401K plans are tax deferred accounts, meaning you won't owe any taxes on it this year, but will have to pay taxes on it when you take the money out (likely after retirement). 401K contributions ... | Be sure to consider the difference between Roth 401K and standard 401K. The Roth 401K is taxed as income then put into your account. So the money you put into the Roth 401K is taxed as income for the current year, however, any interest you accumulate over the years is not taxed when you withdraw the money. So to break... | $10.90 for every $1000 per year. Are you kidding me!!! These are usually hidden within the expense ratio of the plan funds, but >1% seems to be quite a lot regardless. FUND X 1 year return 3% 3 year return 6% 10 year return 5% What does that exactly mean? This is the average annual rate of return. If measured for the... | You can also roll money from prior 401ks into current 401ks. Call the administrator of the 401k you prefer (i.e., Fidelity/Schwab, whoever the financial institution is). Explain you don't work there anymore and ask if you can roll money into it. Some plans allow this and some don't. So either, 1) You can roll all your... | The primary advantage of an IRA or 401k is you get taxed effectively one time on the money (when you contribute for Roth, or when you withdraw for Traditional), whereas you get taxed effectively multiple times on some of the money in a taxable account (on all the money when you contribute, plus on the earnings part whe... | [
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who's the alt right | "the truth from the 'horse mouth"" - and no he's NOT alt-right, as he's painted by political interests from all sides.... Well, updates and flashnews: 1. Google pontificating on diversity and women's equality: Sergei Brin divorced after cheating on his high achieving brilliant wife with a junior staffer. Guess who lef... | Neither the left nor the right truly has ever understood what the silent majority is. The silent majority is composed of people marginally attached to both sides of the aisle who do not give a single fuck and are just trying to live their lives. This is where the faux outrage, the historical revisionism, the censorsh... | "> **give me a specific ""instability"" or ""expense"" that Global Warming may cause. Just try...** > **I asked you before, and I notice you did not reply: Is Trump a Nazi or alt-Right sympathizer? What ACTIONS by Trump you do not like?**" | Jesus...you're hopeless. You can read the emails yourself online. No classified information was shared. Just boring emails. GOP officials have also used private email servers. Do research so you stop making the alt-right as stupid as it is. | After several hours of trying to get various import methods to work (see comment to other answer), I ended up just adding all the splits by just gritting my teeth, against the inefficiency of at all, and entered them manually. The process took a couple hours, but at least now I have clean data. Duplicating an existing ... | "Just FYI since the left is split into a million different pieces.... who specifically are you referring to when you say ""alt-left"". I've heard people on the right describe HILLARY CLINTON and Obama as socialists and communists. They are anything but- they are straight up neoliberal crony capitalists like thatcher... | [
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does roth 401k have a taxable dividend | The details of the 401(k) are critical to the decision. A high cost (the expenses charged within the) 401(k) - I would deposit only to the match, and I'd be sure to get the entire match offered. In which case, that $3000 might be good to have available if you start out with a tight budget. Low cost 401(k) w/match - a ... | First a couple of quick points. Many people have an IRA (of any type) and a 401K. Over your professional career, the retirement packages for every employer will be different. For this year you don't need to decide on the Roth or not until April 15th. You will be able to put 2014 money into the account as late as April... | The primary advantage of an IRA or 401k is you get taxed effectively one time on the money (when you contribute for Roth, or when you withdraw for Traditional), whereas you get taxed effectively multiple times on some of the money in a taxable account (on all the money when you contribute, plus on the earnings part whe... | The benefit is that your earnings in the 401k are not subject to income tax until you make withdrawals. This allows you to grow your money faster than if you made equivalent investments in a taxable account and had to pay taxes on dividends and capital gains along the way. Also, the theory is that you will be in a lowe... | All distributions from a regular (non-Roth) 401k are regular income. IRS: Distributions, including earnings, are includible in taxable income at retirement (except for qualified distributions of designated Roth accounts). | "The money you invested in your Roth was taxed as income when you filed your income tax. A Roth contribution is ""post-tax"" as opposed to a standard IRA or 401k contribution which are ""pre-tax"". Pre-tax contributions lower your taxable income for the year. In example, you had income of $100,000 and made a standard... | [
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is td waterhouse a rrsp broker in canada | Depending on what state you live in in the United States, your Canadian brokerage may be able to sell products within the existing RRSP. I have an RRSP in Canada through TD Waterhouse and they infact just sent me a recent letter explaining that they are permitted to service my Canadian RRSP under the laws of Tennessee... | You probably bought the cross listed WestJet stock. If you wanted to buy shares on the TSE, I'd suspect you'd have to find a way to open a brokerage account within Canada and then you'd be able to buy the shares. However, this could get complicated to some extent as there could be requirements of Canadian tax stuff l... | The following have been recommended to me for the UK: When I was doing my investigations, all had good reputations but Interactive Investor looked to have the nicer service and their fees seemed a bit more reasonable. TD Waterhouse has the advantage of a number of sites serving local markets (TD Ameritrade for the US,... | http://www.moneysupermarket.com/shares/CompareSharesForm.asp lists many. I found the Interactive Investor website to be excruciatingly bad. I switched to TD Waterhouse and found the website good but the telephone service a bit abrupt. I often use the data presented on SelfTrade but don't have an account there. | "@sdg's answer is spot-on with the advice to avoid repeated conversions, but I'd like to provide some specifics on the fees involved: Each time you round-trip Canadian dollars (CAD) through a U.S.-dollar (USD) priced security at TD Waterhouse and leave your proceeds in CAD, you're paying a total foreign exchange fee – ... | I had an RRSP account with a managed services account at a major Cdn bank that increased its fees to $125 a year per account. Because I could not trade any of my funds living in the US, it made no sense to throw away $500 a year for nothing (two accounts for me and two accounts for my wife - regular RRSP and locked in... | [
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what is the default ip address for a network | Various networking Companies use 192.168.0.1 IP address to access their admin page. We solve issues related to this IP address such as 192.168.0.1 login my account issue, 192.168.0.1 the page cannot be displayed etc. Feel free to contact us through live chat window. | You can setup your Netgear router manually by using the web address www.routerlogin.net. Type the same in the address bar of the browser window and login using the default username and password. You can change the settings of your router from this administration panel like Parental Controls, Guest Network etc. | SIP Trunking & PRI Business Voice Solutions - SIP Trunking is the ideal way to use your existing IP PBX equipment to take advantage of the latest Voice over IP technologies and benefits. It's easy to simply your network by using data lines to pass voice and data traffic while still using your existing Cisco, Av... | Okay what I meant was that if you catch someone and find out they own a certain address, they cannot escape the trail. If they want to move funds from a criminal wallet to a safe wallet, there will always be a trail. And that's just the transaction network. The stock market equivalent counterparty operates on a simila... | I went to school for something I was interested in. Also, if you looked at what pay rates some people I went to school with took jobs at, you would stick with what works for you just like me. I have no desire to start at $60000 or something. IT certifications can matter in some cases, and I have my share of them, bu... | I mean there is always the possibility that occurs, but I think it is extremely unlikely. The network effect is extremely important in technology and even more so with money given liquidity. Bitcoin is the protocol (TCP/IP). Many of the blockchains that people are referencing are just another form of a database and the... | [
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is the blackberry a new phone | It seems like their main problem is not hiring - clearly they've hired some bright technical people. It just seems like the iPhone and Android came along and management refused to admit that the new platforms were going to compete with the Blackberry and its ecosystem. | Disappointing, I really like my Blackberry phone. RIM is the only one that actually seems to focus on encryption/security measures. The phones also don't come with a complimentary root kit or a program that secretly records your locations and sends it back to them *cough* Apple *cough*. | The smart phone platform vendors are missing out on a new niche that would make life easier for corporate workers and IT departments alike. The current problem is the 'BYOD' trend, of every office worker wanting to bring their own device, iPhone, tablet, whatever. This is a problem because this is an uncontrolled envi... | Sure QNX is a good embedded operating system, but it's hardly the lack of a bulletproof real-time OS that's causing RIM problems right now. They were already known for making pretty reliable phones for basic telephony and messaging. Their problem is that the Blackberry OS interface and third-party application support i... | It seems like their main problem is not hiring - clearly they've hired some bright technical people. It just seems like the iPhone and Android came along and management refused to admit that the new platforms were going to compete with the Blackberry and its ecosystem. | If I appear to be attacking you, I apologize up front because that's not my intent. * Windows phone has a market share of 2.5% and it's falling. Their market share is more closely compared with Blackberry than with Android or iOS. In addition, they are really only releasing low end phones and there are no known hi... | [
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which job is better if a person has a spouse | Best job you could get was working for the government. Pension isn't as good now, but they still have one. And your healthcare is covered. Sacrifice some money while working to pay into those things. Won't be rich, but you'll be far from poor. And can live a satisfying life even if you are sole income for household... | Here are the SEC requirements: The federal securities laws define the term accredited investor in Rule 501 of Regulation D as: a bank, insurance company, registered investment company, business development company, or small business investment company; an employee benefit plan, within the meaning of the Employee Reti... | "Math says invest in the Market (But paying off your mortgage early is a valid option if you are very risk averse.) You are going to get a better return by investing in the stock market. In the US in 2015/2016, mortgages are 3%-4%, and give you a tax break. The rate of return on the stock market is ~10%, (closer to 6... | >never met a single person in my life that wouldn't leave their job for a 50% pay raise. But I have met many married people in my life, they will leave their spouses for a lot less. Some people want to settle and some people want options. wait... i'm not sure what we are talking about any more.... | "From what you've described, your spouse is a non-resident alien for US tax purposes. You have two choices: Use the Nonresident Spouse Treated As Resident election and file as Married Filing Jointly. Since your spouse doesn't have, and doesn't currently qualify for, an SSN, he/she will need to apply for an ITIN togethe... | Per the IRS instructions on filing as Head of Household as a Citizen Living Abroad, if you choose to file only your own taxes, and you qualify for Head of Household without them, the IRS does not consider you married: If you are a U.S. citizen married to a nonresident alien you may qualify to use the head of household ... | [
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what kind of leader should i be as the chief executive | "Ya it definitely helps, however it's not a must. Being a good leader is more about getting the right team together than being a visionary in technology or something of that sort. I think understanding technology is on the ""wants"" side of the equation, not the ""needs"" for when it comes to a great CEO, that's why t... | "No kidding! Fancy words to say ""make the right decisions and execute on those decisions correctly"". Anybody does not know that? Now for the hard part: how do you make the right decisions and how to execute decisions efficiently and correctly? Here's my answer: nobody, including Henry Ford, Steve Jobs, Bill Gat... | "Ya, I mean if your really wanting to gain ppl's respect it might be a good idea. What you WANT to be is a leader, not just a manager. Ever wonder why most ppl hate their bosses?? It's bc they aren't leaders. Just from experience, since your young and wanting to gain the respect of the employees...you will gain it 100%... | **Sundance Resources: Accident** On 19 June 2010, an airplane crash in the Republic of Congo killed many of the company's executives including the entire board of directors, consisting of the following people: Geoff Wedlock, Non Executive Chairman Don Lewis, Managing Director / Chief Executive Officer Ken Talbot, Non ... | This whole situation is mental. From the crooked Executives selling stock to the bizarre security check method they set up and I just saw thing saying their chief security officer received their education in like music appreciation or something. | > Microsoft’s chief executive, Steven A. Ballmer, called Windows 8 “the beginning of a new era at Microsoft.” I'm glad he said that, because it seems like Uncle Fester hasn't been right about anything since taking over. | [
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can i have a contact card 2 sided | I was actually thinking of doing both, I already have a one sided card, I was thinking of doing an additional 2 sided, however, the single sided that I already have is more of a networking/advertising card that I post in random locations, and the new one will be my business contact card, maybe I will end up with three ... | "As a rule of thumb, go in the order of proximity to the transaction. This would typically mean: Side note: I own a website that provides an online service that accepts PayPal and credit cards (via PayPal), and I personally have experience with all 3 of the above options. I can tell you from the merchant's point of vie... | The last batch I ordered were 2 sided. I did this because they were for my film production freelancing, so I could be leaving them on tables and things and using them as mini flyers of sorts to advertise. For my day job I have one sided as these won't really be used to advertise but to provide contact info. I find it's... | I contacted Virgin Money to ask if the prepaid card you mentioned offers a Swift/BIC code, and they gave me this response: We do not have a Swift or BIC number for the Virgin Prepaid Card. You are unable to transfer funds from the Prepaid Card to another bank but you can set up a bank transfer to the Prepaid Card. Once... | Yes, you can keep the accounts. In fact, I opened my US bank account as a Canadian citizen living in Canada, and still have it after living in the US and returning. American Express offers UK cards and the have an excellent system for transferring the cards. You should definitely contact them about this, otherwise yo... | "The bank SHOULD be able to issue you a new card without letting vendors roll over the recurring payments. In fact, I've never had a bank move recurring payments to a new card automatically, or even upon request; they've always told me to contact the vendor and give them my new card number. So go back to the bank, tell... | [
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who's the problem with trump | Hmmmm, 1 or 2, yeah, maybe they were not a good fit for one reason or another. but 5?? Really, you gotta start thinking that maybe, just maybe, there's a chance that's Trump's the problem. #justsayin' is all. | "1. Medicare Part-D is not Trump fault, for, at least, the last 8 years. Trump wants the national health care system to work, cheaper and better. **But, still, you have to be against Trump despite him yet to do anything about this and not able to do anything because of Democrats and some betraying Republicans.** 2. Gl... | "LOL!!!!! ""us"" is probably you and couple of other insane lefty liberals losers. ""us"" does not include the majority of Americans who voted for Trump, and even more Americans now who see how great Trump is. Yes, most Americans voted for Trump! Deal with it!" | "Nope. Sorry. Trump has been too hypocritical in his dealings, and has behaved poorly. He isn't a man of honor, and he isn't a studious business man with a clean reputation. He represents none of the things I look for in leadership. I want to solve problems, and Trump and Hillary have both shown a proclivity for c... | Hello, I'm a bot. I see you have mentioned Trump's golfing problem. The current Trump golf count is at . . . **50**. . .costing US taxpayers a total of **$71,735,000** . More data about his excessive spending at my [*Trump Golf Counter*](http://www.golfwithdonald.com). The exact locations and dates of his golf trips c... | "> and that is what's uncalled for. I think folks aren't reading this right. It's not ""you voted for Trump, which I disagree with."" Look at how a large swath of America views President Trump, and of more importance here - how a large number of folks view his supporters. Over 2/3 of Americans polled don't trus... | [
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how do i berate my wife if i buy something? | "Based on the conversations in the comments, I believe a pragmatic solution would be the best immediate course of action, while still working on the long term addiction issues. The first step is to get your husband to agree to give you all of his credit cards and let you manage the money for a set period of time, say 3... | "I can only share with you my happened with my wife and I. First, and foremost, if you think you need to protect your assets for some reason then do so. Be open and honest about it. If we get a divorce, X stays with me, and Y stays with you. This seems silly, even when your doing it, but it's important. You can speak ... | The average of a dozen good answers is close to what would be right, the wisdom of crowds. But any one answer will be skewed by one's own opinions. The question is missing too much detail. I look at $400K as $16K/yr of ongoing withdrawals. How much do you make now? When the kids are all in school full time, can your w... | You lose your agent services. When my wife wrecked our car 3 years ago our agent took care of everything. He got us a rental car, made the arrangements to get it fixed, checked in to see how we were doing, and even helped us set up a second opinion on my wifes wrist surgery. The accident was ruled the fault of the un... | With overdraft fees, I feel it is no different than a loan shark. They charge 35$ fee no matter if you buy a 25 cent pack of gum or something much more expensive. Every time you over drafted you payed 35$. My wife has seen some people with 500 or more in fees because they spent 100 bucks or so over several transacti... | "Problem is, my CEO told me I would ""get a raise every 12 days"" ""dollar here, dollar there"". It's been 5 months of excellent work on my part, no bonus, no raise, nothing. I mean, I'm upset, but I wish I at least got recognized for my work. If it weren't for me doing something that got the attention of his wife (w... | [
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how to take advantage of word | "I just can't come around to calling it ""taking advantage of"" when the means to act on them was put into existence knowingly. It's like saying you took advantage of the highway by travelling at, and not less than, the posted speed limit." | "A subsidy is a benefit. While you're right most of the time it is a crude ""transfer of wealth by the US government"" the formal intent of a subsidy is to assist so as to confer an advantage or mitigate a disadvantage. If as you say ""discounting the risk premium"" actively by the US government so as to confer, in t... | If your employer offers a 401(k) match, definitely take advantage of it. It's free money, so take advantage of it! | Why doesn't someone make an app like uber but is more about putting it in the users market. I have used uber so I don't know how much you get to set your rates and such, take cash instead of C.C. (you deal with getting the money, not the app) IDK, how to word it, but basically government out of it, somehow. | This will end badly, the only question is how long it will take. Performing bank transfers is not difficult and there is no way a 3rd party would be paying her large sums of money to perform these transfers unless the purpose was illegitimate and they were taking advantage of her. In my experience it is as simple as e... | Retail is the operative word. Local retailers don't raise prices because they need to compete with uninhibited e-commerce retailers. I wouldn't be surprised if progressives tried to correct for this by increasing the tax rate on online purchases to offset the e-commerce advantage, which of course would hurt consumers ... | [
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how much problems has tesla had | I suspect this is done at least in part in response to [this review by Edmunds](http://www.edmunds.com/tesla/model-s/2013/long-term-road-test/wrap-up.html) and a [similar one by Consumer Reports](http://www.consumerreports.org/cro/news/2014/08/consumer-reports-tesla-model-s-has-more-than-its-share-of-problems/index.htm... | The car has software that will automatically plot a route using chargers, manage charging times and notify you via a phone app when the car has charged enough to continue your route. Also, most superchargers are located next to a restaurant or thing to do while the car charges. Most of the US is already covered by the... | For me, the two reviews made me reconsider my interest in Tesla, which makes them quite unfavorable. Even if Tesla takes care of the issue quickly and gave me a loaner, it's still hours if not a day that I wouldn't have a drivable car. And I'd have had to call customer support, wait, be there when the car is picked u... | "I'm just wondering how you would go from buying a 60k car knowing that it had a software limited battery to ""I'd be pissed"" when that is activated for you for free during a hurricane evacuation. Now obviously you wouldn't buy a Tesla in the first place, and I have no problem with you generally disliking them, but if... | If Tesla had an serious (hypothetical) problem with their powertrain that needed to be fixed, could they avoid a recall by having it fixed under this extended warranty? Having the same repair performed under warranty would be less damaging to their reputation. Could this be their motivation? | Not true, Tesla opened its patent book long ago for anyone to use. https://www.tesla.com/blog/all-our-patent-are-belong-you Amazing how all of you are looking at Tesla like it's GM, when Musk has said it's the opposite. It's a movement masquerading as a company. His goal is not limited to the success of Tesla, bu... | [
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how do private companies go private | Public companies sometimes buy up all their shares in order to go private^(1). Is that the sort of thing you're talking about? If so, [this article](http://www.investopedia.com/articles/stocks/08/public-companies-privatize-go-private.asp) might be of interest to you. ^(1) Actually, most of the time, they partner wit... | Not sure of the question here if by IPO(initial public offering) you mean private company then: A company can invest its excess money into other companies, to earn returns. Also a company that is private can attract private investment if the sector is doing well on publicly traded markets. Finally a company can dive... | Here is something I have always wondered. Companies are required to go public after they have a certain number of investors. Used to be 500 now 2000. Can a company that has been forced to go public, then be made private again? How? | Private companies can do that. They run taxis and greydog buses or whatever, and even railroads are private. Except rails found they make more money carrying cargo not people, taxis are taxis and private buses make more money not running stops every 500 meters for gramma like european public transit. | Hah. So, public employees get less rights as employees than private ones? What about private employees of companies with public contracts? I'm guessing that you don't think private employees should have the right to bargain either. How is having collective bargaining rights holding the public hostage? Hyperbole mu... | I don't think you understand what I'm saying. The right to free speech has nothing to do with private companies. I agree with the concept of free speech as it is defined in the Constitution, I don't agree that private companies should be forced to provide a platform for it or to facilitate it in any way. | [
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