I find this site to be really poor for the virtual play portion, especially the options league. After you place a trade, you can't tell what you actually traded. The columns for Exp and type are blank. I have had better luck with OptionsXpress virtual trader. Although they have recently changed their criteria for a non funded accounts and will only keep them active for 90 days. I know the cboe has a paper trading platform but I haven't tried it out yet.


"None taken. Good thoughts: it would be making the same mistake to blindly accept my criticism as many will make blindly accepting this journalist's graphs. Let's see if I can address your concerns. The reason the scale is problematic to me is exactly what you said > I hope people would be looking at more than just a convex line And I don't think that they do. The scales were adjusted so that the lines were nearly identical on someone's computer screen, but that implies a false equivalency between the debts of households, corporations, state and local gov, and the fed. I think the author has left leaning sympathies (read the accompanied article that outlines ""who you will vote for"", link on the last slide). Not necessarily a bad thing, but he frames all of this from the idea that his *statistics cannot be skewed, and he is therefore presenting fact*. Central to the left's argument is that the Federal Government's size is not of the biggest concern, and if you got the average American thinking that 15 trillion is no big deal because households have a huge debt too, or corporations do too, or states do too, I believe that to be dangerous. I think I identified his bias, and that his graphs are slightly manipulated to coerce less discerning individuals to his side. Happens all the time, but all of those facts are dead on in regards to the data. Again, trying to keep my politics out of this, simply criticizing the graphs and the subtle message they are sending under the guise of being neutral. I would agree with your point *normally*: since contractors are temporary and often, as you pointed out, cost efficient from a benefits standpoint. They also tend to be more efficient, but this is not central to our point. The problem is that the government has the longest war in our history going, but we aren't really fighting anyone for the scale of our spending. Trillions of dollars have gone into this effort, and one of the results has been *the development of a quasi-economy in Iraq, and now Afghanistan*. The numbers are staggering of how many of these people are employed, or make a living, off of this war effort. But this is not like most contractors: where you would add them to the DOD's budget, as you astutely pointed out. And the difference, I would purport, is the permanent status of the ""employment"". After what length of time would you say a contractor for the DOD working on computer programs in the Pentagon is the equivalent of an employee (and therefore must be counted in statistics such as the one the graph in question purports to depict)? 2 years? 5 Years? Certainly after a decade, right? Remember, the graph is trying to show that the number of government employees *is not a problem, or at least not a significant one*. But calling an apple a banana doesn't make it yellow; I think political slight in hand with statistics as important as these should be criminal. Sorry I got long winded, but I hope I addressed your concerns. It sounds like you are one of the few people who thinks critically when presented with data such as that which is in these 64 slides. But remember: for every one of you there may be a thousand people who are brainwashed by any ""data"" you put in front of them."


Just more sour grapes from those who made their money off arbitrage and got beat by someone quicker. Anyhow, speaking as a normal investor (ie. someone who invests my own money), HFT is what allows me to put in an order in New York, Hong Kong, or Paris from my web browser, and have it executed 10 seconds later. Anyone who's tried trading on a market with less liquidity (say, the TSX Venture exchange) knows it's a pain in the ass to buy and sell, and often you'll get screwed. Electronic trading and HFT has democratized trading. Sure, you pay a few cents per trade, but when I buy a stock on the HK market I'm paying ~300 HK dollars per trade anyway. Heck, even on NA exchanges, when trading >10 000 dollars the amount shaved off by HFT traders is minute. I'll gladly pay it for the convenience - I can put in a trade and have it executed instantly, so that I can go to bed and sleep, rather than wait hours to see if my trade will be executed...


heard a great radio discussion about driverless bottom line they predicted massive waves of insurance fraud and giddy liability lawyers, e.g. all one has to do is step into the path of a driverless and the vehicle **slams on the brakes**. such braking action often causes cars/trucks behind to crash into the lead (driverless) vehicle. the Autobahn is famous for 50-75-100 vehicle crashes like that. plenty of dying takes place


But its subtle, its how advertising should be and honestly it works better. Why do you care if someone paid Brad Pitt to drink coke on screen? Why is that worse than if he was drinking unlabelled can of soft drink?


The orange phallus with golden pubes promised to take on the FED and for a while grammy was trembling in her britches, or perhaps the ommpaloompa's over lords in AIPAC castrated our pretend tough talker. When you going to clean up the Fed or does the long arm of the law have small hands and no balls?


"This is a bit pornographic, isn't it, in that we're looking at something we'd like to do (namely, ""win the big lottery!"") but probably won't ever have this happen to us. :) Anyway. Ignoring the fact that this is kind of a hypothetical question... Gotta go with The Straight Dope on this one, when deciding whether to take an annuity or a lump sum: What assumed interest rate is underlying the calculations? Do you think you can earn significantly more than that rate on your own? If so, take the lump sum cash value. If not, go with the annuity. What are your financial needs, both immediate and over the next twenty years? Do you need a steady flow of income? If you take the lump sum and invest it poorly or lose it, how much will it hurt you? If you give up your job to enjoy your wealth, what will happen if you're still alive when the annuity payments stop? You don't want to blow it all in a spree and then find yourself in poverty in your old age. What happens if you die before the annuity has been fully paid? As noted, there's the question of whether to ask in advance for an annuity - the tax treatment alone could overwhelm any other considerations."


"First of all, the answer to your question depends on your starting dates and ending dates. So developed markets returns are higher over one period, and emerging markets returns over other periods. So far, there does not appear to be a systematic tilt in favor of one or the other. The reasons are as you said. Emerging markets tend to have higher returns in nominal terms, but developed markets currency movements (sometimes) cancel this out. So watch out for periods of strong and weak developed markets (e.g. U.S) currencies. In ""strong"" currency periods (such as those of the past five years or so), you want U.S. market exposure, and in ""weak"" currency periods, the larger nominal local returns will be fully reflected in dollar terms as well."


"Understandable from an ""artistic"" perspective, but arguing that an outdated analogue medium provides superior sound is just not true. I think people forget how much better CDs were than vinyl at the time in both sound quality and convenience."


Note that after 15 years, the tax exemption is €36800 per person, which includes both the principal you desposited and the accumulated interest. It's possible that you will have a higher balance than this in your savings account at this point and would still owe tax on the interest accumulated above the exempted amount. After 20 years, you get the full tax exemption, the lesser of your portion of the mortgage debt and €162000 per person. In direct answer to your questions: I'm not aware of any exceptions to the 15 year rule for allowing the accumulated interest to be tax free when selling your house. If your accumulated interest is low enough, you might consider just paying the tax on it as it would give you the most flexibility in choosing a new mortgage. This is why I asked about more details about your interest rate and how long the mortgage has been running. It may, however, possible to couple the savings account to a new ABN AMRO Bankspaar mortgage when you buy a new house. You should check your mortgage terms and conditions. For example, Section 23.12 in ABN AMRO's terms and conditions from 2010 describes this. See here. It is probably best, however, to speak directly with either your mortgage broker or with a mortgage adviser with ABN AMRO. If your mortgage broker still worked on commission (aflsuitprovisie) when you closed your mortgage, then they are obligated to assist you with this type of question. In order to qualify for the tax exemption, you must use the saved value to pay off debt on your primary residence (eigenwoningschuld). Decoupling the savings account entirely from a mortgage will disqualify you from the tax advantages. You will owe tax on all accumulated interest.


"> ...diminishing the power of Washington to play favorites, as that will clear the way for the deserving to succeed and the undeserving to fail. You've been to a supermarket, yes? Have you ever noticed the impulse buy items all on a rack as you're waiting for checkout. It's stuff nobody needs and is often bad for you like candy and tabloid newspapers. People don't go to stores to get a publication on Trump's alien baby but it is something people will buy on impulse. Fifty years ago these checkout racks were only in a few stores. Today they are everywhere and any retail store that wants to stay in business must copy this model or operate at a disadvantage. This is because they make money as they encourage people to buy things they wouldn't when in a deliberate mindset. Companies like Walmart have taking the idea to another level with impulse buying corridors you have to walk through at every register. That is what you get in an capitalist battlefield. The ""deserving"" you want to support are simply the companies that manipulate their customer base better. The science behind getting you to buy is staggering. You mentioned Amazon before as being a good example of a corporation. Have you seen their site recently? Its pages are loaded with impulse buy items, selected specifically for you by a sophisticated neural network. Did you forget, [it was Amazon that was known for 1-click buying](https://en.wikipedia.org/wiki/1-Click) because 2-clicks is enough time for a second thought. You think government is in the way? Government is only thing standing between you and getting milked like a cow."


So if I have to kill my competition who seem to get a lot of reddit love, all I need to do is hire some cheap labour to spam reddit with their links and ghost accounts that will upvote the submissions?


Update: it looks like this may no longer be a requirement. I was able to withdraw from TreasuryDirect into another bank account without issue.


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My job didn't rely on the [EDIT] local economy. I worked in a bank that serviced nationwide loans for auto dealerships and other services. The fact that the bank owner one day decided that he wasn't making enough profit and was going to shut down the bank came as a surprise to everyone - including the bank president, it seems. So after that happened, then trying to find a job in a local economy that was tanking - yeah, it sucked. Then again, I had been living in Utah for years before, during, and after the Olympics, so that didn't factor as a variable into my work equation until after I was laid off.


I didn't call anyone disgusting. You must be from a pretty liberal area. In my area that recently legalized medical use almost everyone I talk to thinks the entire medical marijuana industry is a scam and it's just a bunch of people saying they have back pain or anxiety so they can get stoned.


You should start by calling the clinic and asking them to tell you how the visit was coded. Some clinics have different billing codes based on the complexity of the visit. If you have one thing you are seeing the doctor about, that could be coded differently than if you have 4 things you are seeing the doctor about. In fact, even if you are there just for one ailment, but while you are there you happen to ask a few quick questions about other possible ailments, the doctor could decide to use the billing code for the higher complexity. If when speaking to the billing department it is determined that the visit is using a higher complexity billing code (and a higher charge as a result), you could then request that it be re-coded with the lower complexity visit. Realize if you request that they will probably have to first get approval from the doctor that saw you. Note: I am basing this answer on first hand experience about 6 months ago in Illinois, where the situation I described happened to me because I asked some unrelated questions about other possible ailments at the end of a visit to an after hours clinic. The billing department explained that my visit was coded for 4 issues. (3 of them were quick questions I asked about at the end of the visit, one of which she referred me to another doctor. My additional questions probably extended the visit by 3-4 minutes.) In my case I never got the bill reduced, mainly due to my own laziness and my knowing that I would hit my deductible anyway this year. Of course I can't say for sure if this is what happened in your case, or even if this practice is widespread. This was the first and only time in my life that I encountered it. As a side note, your primary doctor would likely rarely ever bill you for a more complex visit, as it likely wouldn't lead to much repeat business. As for your last question regarding your credit: if the provider decides to lower the price, and you pay the lower price, this in no way can affect your credit. Surprising Update: When I called the billing office months ago, I had asked if they could confirm the code with the doctor, and I was told they would look into it. I never heard back, never followed up, and assumed that was the end of it. Well, today I got a call back (months later) and was informed that they had re-coded the visit which will result in a lower charge! It's still pending the insurance adjustment but at some point in the future I expect to receive either a credit on my next statement or a check in the mail. (The price difference pre-insurance in my case has gone from $359 to $235.) Update: I did receive a check for the difference. The check was dated July 20, 2016, which is just over 2 months after the phone call informing me I would receive it.


Rebalance is across asset-classes which are mutually independent [like stocks and bonds; they may be inversely correlated at times as when stocks go down, bonds go up] 80%-20% (stock-bond) split is good for a young investor [say in 30s, some suggest 110-age as a good stock allocation percentage]. Here rebalance is done when say the asset-allocation(AA) strays away more than say 3 to 5% (again just a rule of thumb). E.g. if due to a recent run-up in stocks, AA could become 85%-15%. Then you sell stocks to buy bonds to make the AA 80%-20% And since this method always sells the winner -- you automatically make gains [selling high and buying low] S&P 500 index gives decent diversification within stocks; you want a total-bond-fund to take care of the bond side of your AA.


Use buxfer.com. It's available in India and most of the features are free.


William %R is a momentum indicator used for measuring overbought and oversold levels, it is not used to predict the price of a stock. In fact, William %R, like all momentum indicators, is a lagging indicator - meaning the indicator level changes as the price of the stock changes. It ranges from 0 to -100. Usually when a reading is less than -80 the stock can be considered to be oversold, and when the reading is above -20 the stock can be considered overbought. When viewed together with the price chart, this can help provide a trader with entry and exit points into and out of a trade.


I think the only sure way to know if there is a bubble is to wait till it bursts and buy then. If it would be easy to tell there wouldn't be any bubbles.


out of all of these, luck is unquestionably the most necessary of the conditions. do you know successful lazy people? i do do you know successful undetermined people? i do do you know successful dimwits? i do do you know successful idiots? i do do i know successful people who didn't have an extremely high amount of luck in their lives? nope. pretending that luck isn't a necessary condition implies that there are sure thing, can't lose undertakings in life. there aren't. and that doesn't even begin to address a priori luck in terms of ones heritage.


My wife and I have a different arrangement. I like to track everything down to the transaction level. She doesn't want everything tracked. We have everything joint and I track everything except she has one credit card where I do not see the statements only the total. She is more comfortable, because she can buy things without me seeing the price for individual transactions.


AI isn't just a thing you plug in and let it take over. Their not all created equal and different groups are making different things. Also different groups make differing qualities of AI. Take this example, all phone based gps is the not the same. Google, apple's, Microsoft's, Tom Tom's, waze's (owned by Google), etc. All use the same roads and same GPS system so they should be right? We no since some use the same initial data while others have their own cars to take pictures of the streets and their own imaging satellites (Google). They all have different user interfaces, different algorithms, different map storage, behave differently when cell/gps signal goes out, handle traffic differently. Some use time of day and day of week to give better directions and arrival ETAs based on history. Some use information from other phones to improve the system. These are all different kinds of AI used in something we think of a simple task of navigation.


Why are people defending this? Sure just because she was a music major doesn't necessarily mean she didn't know shit about security... But the fact that they got hacked *and* she's a music major leads me to believe *that she didn't know shit about security*


"Sure, they'll have internal efficiencies of choice, but they may or may not choose to share them, as you indicated. Barriers to entry are, in my view a kind of inefficiency, by the way. Or, put another way, diversity is a kind of efficiency in that it provides a ready sources of alternative ways if a new problem with an established way of doing things comes up. So killing off competitors reduces the efficiency of one of those competitors rising as market need shifts. It's one reason we fear cloning, that although we might pick good traits, we can't be sure those traits that are good for something now will be the right things for the future, not least of which when fending off disease. A monopoly is like a clone-of-one, where the business model and thought process is cloned throughout the company and there isn't legitimate independent thought. To make that tangible, a thing I worry about is that Climate Change might make travel more difficult. With large storms, we might need a lot more local production and distribution and some of our reliance on just getting things quickly from one part of the world that has a monopoly on things might be dreadfully painful. Having Amazon declare this a done deal kills off a kind of resilience that can be essential if the world gets carved up. I don't know that such a future is certain, I just wanted to paint a picture of what it would look like to find these assumptions false and why monopolies might be bad in such cases, even when there's some perception that ""gee, don't a lot of people want this?"" They want it because of circumstance. Circumstance changes. I wrote a few more thoughts about the megacorp thing in a blog post that went away with its host, but anyone interested can find it [here, via the wayback machine at archive.org](http://web.archive.org/web/20130514064841/http://open.salon.com/blog/kent_pitman/2009/03/15/rethinking_mega-corporations)."


Man it's amazing that the banker's solution is to cut their workforce from 16,000 to 2,000. Sure it'll look good on the balance sheet but that would be pretty much the death nail to an already struggling company. And people wonder why everyone is so jaded about these idiots on Wall Street.


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The cost to you for selling is 3/8% of a years salary, this is what you won't get if you sell. Tough to calculate the what-if scenarios beyond this, since I can't quantify the risk of a price drop. Once the amount in he stock is say,10%, of a years salary, if you know a drop is coming, a sale is probably worth it, for a steep drop. My stronger focus would be on how much of your wealth is concentrated in that one stock, Enron, and all.


It is. My grocery store removed our self check-out because of the significant increase in theft. It wasn't even bottom of the cart stuff. You just load what you want to steal on non-weighing side, pay, and then load all of it into bags. The cashier is usually busy dealing with someone at another kiosk so no one is actually watching you. In the end, the theft, constant break downs, and problems customers always had trying to use them made them too much trouble to keep. We put up a few more check stands and the theft dropped.


According to HMRC's manual BIM42105, you can't deduct expenses of this kind when calculating your profits for corporation tax: No deduction is allowed for expenditure not incurred wholly and exclusively for trade purposes So at the least, the company will have to pay corporation tax on this donation at some point, assuming it ever makes any profits. There's also the risk that HMRC would say that what is really happening is that you are making a personal donation to this person and the company is giving you income to allow you to do it. In that case, you'd be liable to income tax and employees national insurance, and the company liable to employers national insurance. It should then be deductible from corporation tax, though.


It is ordinary income to you. You should probably talk to a California licensed CRTP/EA/CPA, but I doubt they'll say anything different. You would probably ask them whether you can treat some of it as a refund of rent paid, but I personally wouldn't feel comfortable with that.


Direct marketing association of India is an authorized body to deal with the marketing aspects of Indian marketing industries. It acts as an interface between the marketing industries and government bodies which make policies. The association is well recognized across the country and is the concerned body for all direct marketing industry related aspects


My wife and I are both Canadian citizens living in the US with green card status. I still have a Canadian RRSP and bank account in Canada that are dormant for the most part. We use the Canadian debit card only when traveling (which is quite helpful). Neither of us file any paperwork in Canada anymore. But as others have mentioned, we do file the FBAR form... this takes about 10 minutes and gets mailed somewhere in Michigan if I recall correctly. (Keep the balance less than $10k total among all foreign accounts and you relieve yourself of this too.) As far as taxes go, we make less interest in our Canadian account than in our US accounts, so the tax burden is less.


"Buying physical gold: bad idea; you take on liquidity risk. Putting all your money in a German bank account: bad idea; you still do not escape Euro risk. Putting all your money in USD: bad idea; we have terrible, terrible fiscal problems here at home and they're invisible right now because we're in an election year. The only artificially ""cheap"" thing that is well-managed in your part of the world is the Swiss Franc (CHF). They push it down artificially, but no government has the power to fight a market forever. They'll eventually run out of options and have to let the CHF rise in value."


Market value and assessments are two different things. No matter how amical the agreement seems on buying and selling, the future could result in damaged relationships without an absolute sale. I would strongly recommend getting into an agreement to split the purchase of a house as a means to save money. If it's too late, sell immediately.


Because they will make money? Trump is still rich as fuck, despite all this. He knows how to play the game, and he plays it very well. If I told you that I could go in with you on a company, and the company would fail and royally fuck anyone who loaned it money, but you would walk away with a cool million, would you do it? The only groups that should be weary of him are creditors, as they're the ones who end up with no chair when the music stops.


"My god, my old boss: * This was a round-the-clock job, but he HAD to know everything. Had to call him every day at 9pm, just to let him know how everything was going. * He would check EVERYTHING. From HOME. Cameras all over the shop. I'd get a call at like 8pm ""hey, how come you left that extension cord plugged in?"". I got scolded one time because a guy on my crew hopped in a forklift and drove it around without putting on his seat belt. While I was inside a control room 50 feet away, out of sight. All from home. * When he WAS there? God help you. To think I would trade THAT for a buck or two an hour? Any day."


That's still really good though. Like you said your 65 prolly goes further than what I'm at here lol. Cheapest rent for a 1 bedroom not in the hood is gonna be around $1200 a month here 💀


The best thing you can do is shop around, and tell your current company that you're shopping. I had been with GEICO for years and recently discovered (while shopping for renter's insurance) that AllState offered the same coverage for a few hundred dollars less. When I called GEICO to cancel, they offered me an additional discount (for being a member of a credit union) that I hadn't received before. I still switched, but was sad that I hadn't been getting that extra discount just because I never asked if there were other discounts I might qualify for. This article by ChristianPF talks about some changes you can make to reduce auto insurance costs.


"You cannot just read one book and some articles on Technical Analysis and some indicators and expect to be an expert and everything to just start falling into place and give you signals that will tell you when to buy and sell with precision and massive profits all the time. It is like someone reading a book on how to drive a car and then expecting to drive flawlessly the first time they sit in the driver's seat, or someone reading a book on brain surgery and expecting to be able to operate on a live patient the next day. It looks like you are using 3 or 4 indicators to get daily buy and sell signals on a daily chart for an EFT you're looking to hold for decades. So firstly you are using short term indicators for a long term outlook. You need to decide what timeframe you plan to hold your investments for and use chart periods and indicators that suit that timeframe. Secondly, each indicator can be used in a number of ways and the settings you use for each indicator can determine whether you get earlier or later signals. Also, you need to work out which indicators work well together and are complementary, compared to those that don't work well together and give conflicting signals. All this information will come together for you the more you read about and practice the art of Technical Analysis. If your timeframe is very long-term (decades) I would be using mainly a weekly chart, with a longer period MA, the ROC indicator and possibly some trend lines. Keep it simple. The price itself is very important too. You can determine when a trend is starting or has ended purely using the price. The definition of an uptrend is higher highs and higher lows, so on the weekly chart if there is a lower high followed by a lower low - this could be the end of the uptrend. If we get a lower low followed by a lower high - this again could be the end of the uptrend. These could be a good time to start getting cautious and maybe looking to sell. If you are using stop losses (which I recommend) this may be a good time to tighten your stops. Similarly, a downtrend is defined as lower lows and lower highs. If we get a higher low followed by a higher high it could be the end of the downtrend and maybe the start of an uptrend. This could be a good time to start getting ready to buy. You need to learn about how and where to set your buy and sell orders (including stops) and whether you wait for confirmation when you get a signal. All this takes some time, but the more you read, the more you attend live events and the more you practice the more they will become second nature. In order to get the best out of Technical Analysis you will need to learn, plan, practice and execute. A good book to help you prepare your trading plan is ""Smart Trading Plans"" by Justine Pollard. One of my favourite books is ""The Complete Trading Course - Price Patterns, Strategies, Setups, and Execution Tactics"" by Corey Rosenbloom. And another good book is ""Trade your Way to Financial Freedom"" by Van Tharp."


Hiring a CPA comes into play if you're doing something that requires judgement or planning, such as valuation of internal shares in a partnership, valuation of assets in an asset swap, or distribution of the proceeds of a liquidation. That said, I would strongly suggest hiring someone who is also a Tax Attorney over a plain old CPA. In the event you do need representation to clarify positions or assertions, you're probably going to need to hire one anyway. Qualified representation is much cheaper to hire up front than after the fact. If all you need is help filing compliance paperwork (returns), software should be more than adequate.


> There are also the people that want a crash to happen since they missed the boat on the real estate boom. This is a huge factor. I don't know the Canada market, but I would be cautious if prices are too far out of line with rents. That's what happened in the US, but it wasn't just that. You need a few more ingredients. like Adjustable rate mortgages with a low down payment.


Only for farmers markets and only 3 bucks at a time. Kind of like a stupid screw up typical of government. This won't devastate folks and if the markets are solely dependent on these subsidies they will need to close. Maybe the meals on wheels should buy more local produce instead.


"I had both closing price and adjusted price of Apple showing the same amount after ""download data"" csv file was opened in excel. https://finance.yahoo.com/quote/AAPL/history?period1=1463599361&period2=1495135361&interval=div%7Csplit&filter=split&frequency=1d Its frustrating. My last option was to get the dividends history of the stock and add back to the adjusted price to compute the total return for a select stock for the period."


Don't throw good money after bad. If you bought on the peak of an event like news/earnings hoping for more and ignored its value than you might be doomed. Determine the stocks value and see it as a buying opportunity if it's still sweet. If not buy more carefully. Those kinds of moves in that range you must have been involved in micro-small caps like biotechs. Thats where money goes to talk to itself and chew on its arm. You win big by finding an alien chip under your skin to reverse engineer or far more likely just wind up eating yourself. If your not holding inside info or at the higher levels of a pyramid for a pump/dump you really shouldn't let your greed take you there. I can expect and stomach w/o worry being wrong at my buy time as much as 10-15% and live with it for a year or more because I see I'm buying a quarter for a dime and will continue to buy into it without staking everything though). I bought in heavy when netflix (prior to split) was $50 or so hoping for a quick bounce and it sunk to like 20 something. No I didn't buy more, I felt like I just got my own .com bubble experience. I stopped looking at it,helpless to do anything other than eat a huge loss I adopted an out of sight out of mind thinking. I no longer wished to be in it, I felt like an ass for getting myself into it, it did NOT look good at the time and I risked a huge amount of capital for what I felt wrongly was a nice quick trade to make some thousands off. Checked it one day, must have wanted to hurt myself, and it was near $300 a share. My extreme loss had turned into something wonderful. A big tax bomb. Netflix eventually split and rose even more meteorically. I held on and only exited a while back and my worst mistake became my best success. Yet still, you trade like that, on unsound things, don't rely on getting the winning ticket because they are few and all others are losers. If your in for a penny you need to be in for the pound and help yourself immensely by sticking to sound stocks and currencies. You trade on news you may find yourself in Zimbabwe dollars with Enron stock. Bad footing, no matter the news or excitement is bad footing.


Guild Wars 2 has a player-driven economy like what you're describing. It has some flaws - such as merchants in the world buying items at set prices, making sure that there's a 'floor' for certain items that no one goes below. But it's pretty efficient. Might look into it.


Please just know that not all Orthodox Jews are like these people and its always the worse of any religion that gets the headlines unfortunately. Ive been waiting for the Yeshivas to get busted over technology grants because I find it disgusting they get the money when they tell their own parent body that technology isn't allowed. I can't wait till Tech because a mandatory core curriculum and is tied to either teach it or lose government grants/money


Hybrids & electrics are not quite ready for the prime time. The cost of manufacturing the batteries, let alone problems of efficiency, and eventually replacement, means that, without a massive and permanent increase in oil prices, widespread adoption is unlikely. I forget what the gasoline cost per gallon often cited is, for electric and hybrid vehicles to become competitive... I think it was typically north of $8/gallon. Of course, twenty to thirty years out, we quite well may have such. However, the cost of those vehicles won't be coming down without some near technological miracle, in both battery design and production - those who can afford $40,000 for a car will retain the autonomy granted by private transportation. Everyone else will probably clamor for meaningful public transportation options - and /or move to a more dense settlement pattern that does not mandate individual vehicle ownership


Sometimes that happens but usually it is for the cushy job, retirement benefits, entitlements and business deals (connections)... The reason this happens is because of the blindfolded people (you) who insist on thinking positive for 2 reasons: 1. you are worried others will think negative of you. 2. you want to live in Lala land.


"Shares sold to private investors are sold using private contracts and do not adhere to the same level of strict regulations as publicly traded shares. You may have different classes of shares in the company with different strings attached to them, depending on the deals made with the investors at the time. Since public cannot negotiate, the IPO prospectus is in fact the investment contract between the company and the public, and the requirements to what the company can put there are much stricter than private sales. Bob may not be able to sell his ""special"" stocks on the public exchange, as the IPO specifies which class of stock is being listed for trading, and Bob's is not the same class. He can sell it on the OTC market, which is less regulated, and then the buyer has to do his due diligence. Yes, OTC-sold stocks may have strings attached to them (for example a buy back option at a preset time and price)."


I don't work in risk management in the bank I'm in, but do talk to them occasionally. Depending on what job you will actually do there, you need a very good math background. I would also consider a familiarity with programming to be needed for a lot of the jobs. If you are considering risk management outside of the financial sector, I guess the bar will be lower. At least the company I used to work in had a Treasury/Risk Management group largely composed of finance and economics majors.


"FRM, but IIRC ""Risk"" is more of a reporting role in most banks nowadays. Meaning you automate some tools that generate reports, and your job is to make sure the results are numerically consistent with industry standard (read: wrong) methodology, and capital rules. Learn how to calculate VaR 20 different ways, some less useless than others, however mostly fundamentally useless. Expected shortfall, so basically if there is a VaR break what is the expected loss (also useless!) as you will either by simulating based on some distribution that hopefully fits the data, or historical data which is supposed to repeat itself. So to do this fun stuff: You're gonna need to know stochastic calculus (not necessarily but you should understand intuitively the formulas you're using), statistics (hypothesis testing), some econometrics/time series analysis, but key thing is programming."


I never said Lyft passed Uber * NOW + 2 years != NOW * x < 2y != abs(x) > abs(y) As far as the numbers, I was conflating adjusted net revenue for Uber with their gross bookings, my bad. Still, once Alphabet invests in Lyft, I bet Lyft will overpass Uber.


Our specialty at BETH SCHIFFER CREATIVE DARKROOM is large format and oversized printing. Equipped with a LAMDA AND Lightjet (50″ by 120″ max print size) we pride ourselves in being the fine artists’ choice for our Digital C Prints and speciality printing.


As far as I know, it has the same price, and effects on the market, as any other transaction...


If you take less than you think you are worth, you will hate that job with a purple passion in short order. Either make peace with the amount you settle on or move on.


"This would inevitably lead to a few gatekeepers from which everyone trusts the bonds (ibm GE etc), and millions of small businesses which will have absolutely no access to capital. Once this happens, you will quickly end up with a shadow banking system, where companies like GE switch from making stuff to basically being banks, giving loans to other small businesses with no access to capital, etc. This is basically done in China in a slightly different way, but, the core state-owned enterprises have near unlimited access to capital, and they use this advantage to invest in, and buy up, any and all interesting companies, simply because they're the only organizations that can essentially ""print"" money. (Whether you agree with it being printing money or not, the fact is GE / IBM would be able to issue bonds almost whenever they want, similar to the Treasury's monthly bond auctions, and other firms simply unable to.) So... then you have a few key companies with nearly unlimited right to ""print"" (used loosely) cash. They use this advantage to push on other businesses, buy them up, or control them in many ways. And then they use this position to eventually take over anything that looks interesting. What you're imagining as being an open market where everyone's bonds have full information will quickly devolve into information overload, and people choosing the well known brands as their trusted source. Once that happens, the whole idea falls apart, and those few firms will find a way to control not only the money supply, but also who gets to use their money. You will also have situations where some mom-and-pop takes John-LLC bonds as payment for dinner, and when they try to give John-LLC bonds to their suppliers, their suppliers say 'no thanks, we only deal in IBM bonds."" Mom-and-pop will find themselves stuck with paper that nobody wants to accept. And mom-and-pop will quickly find themselves in a cash flow crisis, as they have tons of paper, but none of their suppliers will accept that paper. The only way to get out of this situation would be to convince IBM or GE to give Mom-and-pop some GE bonds in exchange for the John-LLC they have that nobody will accept. Of course, GE and IBM being in the enviable position as some of the few trusted money printers can refuse to accept John-LLC bonds except at a severe discount. ""We know John gave you John-LLC bonds to pay for his dinner worth $100, but, we'll only give you $40 worth of GE bonds for it."" Mom-and-pop will quickly be fucked and go out of business due to having no ""hard currency"" (aka trusted currency) that they can use to purchase their raw materials. Demand for GE bonds will skyrocket as everyone seeks a safe-haven (a trusted currency almost everyone will accept), adn GE will find the entire market begging them to print bonds even at no interest just so that the money supply can increase to hold the full amount of trade occurring in the territory. This is then no different from the Fed during the recession a few years ago (and up until now) where they sell tons of bonds at rock-bottom interest rates simly because all the world is looking for a safe place to put their cash. The difference, of course, is that GE / IBM can take all this money and issue themselves HUGE bonuses, either on the cash directly or on the profit they've amassed by being the only trusted money issuer, whereas government officials can not."


"given your time frame I'm not sure if investing in a 529 is your best option. If you're investing in a 529 you may have to deal with market volatility and the amount you invest over the course of three years could be worth less than what you had initially invested when it comes to your child's college education. The main idea of starting a plan like a 529 is the time-frame for your investments to grow. You also have the option of ""pre-paying"" your child's college, but that has restrictions. Most of the state sponsored pre-pay plans limit you to state schools if that wasn't obvious. Also, the current political situation is tricky, and may influence the cost of education in ~3-4 years, but I'm not sure this is the proper place for that discussion. Also, as far as the viability of these, it depends state-by-state. I live in Illinois and don't think I would count on a payout given our current financial situation. You could, however, look into paying tuition now for a state school and it will be risk free in terms of inflation, but again, it's hard to anticipate the political scope of this. They also have private pre-pay plans, but that would limit your child's university options just as the state pre-pay. Check out this investopedia article on 529 plans, it's basic but will give you a high level overview. Bankrate has an overview as well."


I used to work as a sale support for one of these companies. As a sale support I didn't get commission from the sale but a sale manager did and he made good money. However, I ended up doing a lot of the sales myself and never got any commission for it (even though the boss kept promising me that I would get them). It's relatively easy money, but I felt like you have to sell your soul a little. It's hard to justify for yourself that a 30% interest for a 6 month term is a great deal so you can get your guests to take the loan. Most of the clients you will likely get are the ones who 1) have little knowledge about finance and/or 2) cannot get a loan anywhere else. Nobody would get a loan with these companies if they have a better choice. I also found it was borderline harassment for my clients because I was forced to constantly call them few times a day to get them into taking our loan offers. I did end up leaving the company after three months because the boss was disrespectful, degrading and thought he could do it all himself. Back to your question, it is not shady mostly because it's definitely legal but the sales tactics can be. That would depend on your management but I would say most companies probably employs similar tactics.


I don't think it's fair to attribute Target's recent numbers to people preferring to shop online. The card information fiasco was still going on in the first quarter, and they had already been struggling from putting too many resources into Canada growth while seeing little results. While I agree that the big-box store is probably a bit on the decline, until an online retailer can compete with price, convenience, and delivery time, there will still be a huge place in the market for the Wal-Marts of the world.


>90% of it goes into some investment, like shares or hedge funds, and so out of the real economy. Seeing comments like this get upvoted really makes me suspicious about the grasp people here have on economics. Investments and such are very much a part of the real economy. The point is to increase production and optimize distribution, not maximize swaps of dollars. An investment is money you give to a company so they can do something. Hopefully that money makes them more productive.


I'm a PE, what the fuck are you to be talking about zoning laws? Where does your insight come from on policy? Your sophomoric spamming of this thread screams libertarian blog level education, you a CATO fan? Hahahahaha, listen here you punk kid, you lost. Now go cry in a corner somewhere else, adults are talking. What you describe cannot even exist in the real world, your ideology is incompatible with reality. Your knowledge of economics is the same knowledge astrologers have about the cosmos. It is embarrassing watching you trot out the same sad talking points that have been dismissed for decades upon decades like they are fresh new and exciting.


Not sure about US. In India all Demat shares have a unique identity. Incase of splits or merging of shares, new ID's are created maintaining the linking of older ID's. The Demat holding entity would have all the history of a particular stock. It is mandatory to disclose the name of the person / entity who has purchased the shares. Of Course if shares are purchased by Fund houses or other aggregators then its the aggregators name that would be available. All this data is confidential and not meant for common consumption.


"Your question is based on incorrect assumptions. Generally, there's no ""penalty"", per se, to make a withdrawal from your RRSP, even if you make a withdrawal earlier than retirement, however you define it. A precise meaning for ""retirement"" with respect to RRSPs is largely irrelevant.* Our U.S. neighbours have a 10% penalty on non-hardship early withdrawals (before age 59 ½) from retirement accounts like the 401k and IRA. It's an additional measure designed to discourage early withdrawals, and raise more tax. Yet, in Canada, there is no similar penalty. Individual investments inside your RRSP may have associated penalties, such as the dreaded ""deferred sales charge"" (DSC) of some back-end loaded mutual funds, or such as LSVCC funds that generated additional special tax credits that could get clawed back. Yet, these early withdrawal penalties are distinct from the RRSP nature of your account. Choose your investments carefully to avoid these kinds of surprises. Rather, an RRSP is a tax-deferred account, and it works like this: The government allows you to claim a nice juicy tax deduction, which can reduce your income tax at your marginal rate in the year you make a contribution, or later if you should choose to defer the deduction. The resulting pre-tax money accumulated in your RRSP benefits from further tax deferral: assets can grow without attracting annual income tax on earned interest, dividends, or capital gains. You don't need to declare on your income tax return any of the income earned inside your RRSP, unlike a regular investment account. Here's the rub: Once you decide to withdraw money from your RRSP, the entire amount withdrawn is considered regular income in the year in which you make the withdrawal. Thus, your withdrawals are subject to income tax, and yes, at your marginal rate. This is always the case, whether before or after retirement. You mentioned two special programs: The Home Buyers' Plan (HBP), and the Lifelong Learning Plan (LLP). Neither the HBP nor the LLP permit tax-free withdrawals. Rather, each of these programs are special kinds of loans that you can borrow from your own RRSP. HBP and LLP loan money isn't taxed when you get it because you are required to pay it back, and you pay it back into your own RRSP: You always pay income tax at your marginal rate on your RRSP withdrawals.** * Above, I said a precise meaning for ""retirement"" with respect to RRSPs is largely irrelevant. Yet, there are ages that matter: By the end of the year in which you turn 71, you are required to convert your RRSP to a RRIF. It's similar, but you can no longer contribute, and you must withdraw a minimum amount each year. Other circumstances related to age may qualify for minor tax relief intended for retirees, such as the Age Amount or the Pension Income Credit. Generally, such measures don't significantly change the fact that you pay income tax on RRSP withdrawals at your marginal rate – these measures raise the minimum you can take out without attracting tax, but most do nothing at the margin.** ** Exception: One might split eligible pension income with a spouse or common-law partner, which may reduce tax at the margin."


It's been a couple years since I worked on Transfer Pricing project. It makes sense though. I'd imagine that's why Texas and Florida are doing, tax wise, so much better than California and other high tax states.


Also, consider the possibility of early withdrawal penalties. Regular 401k early withdrawal (for non-qualified reasons) gets you a 10% penalty, in addition to tax, on the entire amount, even if you're just withdrawing your own contributions. Withdrawing from a Roth 401k can potentially mean less penalties (if it's been in place 5 years, and subject to a bunch of fine print of course).


No real transaxle that I'm aware of... I think they only use what they call a transaxle to support the output shafts and provide reverse. Very little of the complexity of a modern transmission - in fact pretty much none.


As the other answers suggest, there are a number of ways of going about it and the correct one will be dependent on your situation (amount of equity in your current house, cashflow primarily, amount of time between purchase and sale). If you have a fair amount of equity (for example, $50K mortgage remaining on a house valued at $300K), I'll propose an option that's similar to bridge financing: Place an offer on your new house. Use some of your equity as part of the down payment (eg, $130K). Use some more of your equity as a cash buffer to allow you pay two mortgages in between the purchase and the sale (eg, $30K). The way this would be executed is that your existing mortgage would be discharged and replaced with larger mortgage. The proceeds of that mortgage would be split between the down payment and cash as you desire. Between the closing of your purchase and the closing of your sale, you'll be paying two mortgages and you'll be responsible for two properties. Not fun, but your cash buffer is there to sustain you through this. When the sale of your new home closes, you'll be breaking the mortgage on that house. When you get the proceeds of the sale, it would be a good time to use any lump sum/prepayment privileges you have on the mortgage of the new house. You'll be paying legal fees for each transaction and penalties for each mortgage you break. However, the interest rates will be lower than bridge financing. For this reason, this approach will likely be cheaper than bridge financing only if the time between the closing of the two deals is fairly long (eg, at least 6 months), and the penalties for breaking mortgages are reasonable (eg, 3 months interest). You would need the help of a good mortgage broker and a good lawyer, but you would also have to do your own due diligence - remember that brokers receive a commission for each mortgage they sell. If you won't have any problems selling your current house quickly, bridge financing is likely a better deal. If you need to hold on to it for a while because you need to fix things up or it will be harder to sell, you can consider this approach.


If it's raising $25 million with a debt to equity ratio of 50% then it's raising $8.33 million of debt and $16.67 million of equity. You've priced it as if it were raising $25 million of debt and $25 million of equity, which would be raising $50 million with a debt to equity ratio of 100%.


"> Zuck the cuck Is this what trumpets and alt-righters are calling him now? Cuck is the worst fucking insult I've ever heard. It's practically meaningless now due to anything, and anyone being labeled a ""cuck"" for not toeing whatever the in-vogue viewpoint is at T_D. W/e though... I'm ready for the inevitable ""BTFO CUCK"" retort. >He takes basic human instinct and exploits it. As opposed to Trump exploiting fear through yelling about MUSLIMS!? BROWN PEOPLE!? CHYNA!?"


Using a simple investment calculator to get a sense of scale here, to have 70k total, including the 500 a month invested, after ten years you just need returns of 2%. To earn 70k on top of the money invested you would need returns over 20%. To do that in five years you would need over 50% annual return. That is quite a big difference. Annualized returns of 20% would require high risk and a very large amount of time invested, skill and luck. 2% returns can be nearly guaranteed without much effort. I would encourage you to think about your money more holistically. If you get very unlucky with investments and don't make any money will you not go on the vacations even if your income allows? That doesn't make a lot of sense. As always, spend all your money with the current and future in mind. Investment return Euros are no different from any other Euros. At that point, the advice is the same for all investors try to get as much return as possible for the risk you are comfortable with. You seem to have a high tolerance for risk. Generally, for investors with a high risk tolerance a broadly diversified portfolio of stocks (with maybe a small amount of bonds, other investments) will give the most return over the long term for the risk taken. After that generally the next most useful way to boost your returns is to try to avoid taxes which is why we talk about 401(k)s so much around here. Each European country has different tax law, but please ask questions here about your own country as well as you mention money.se could use more ex-US questions.


As you say life insurance is about covering the loss of income, so unless your child is an actor or musical prodigy or similar and already earning money, there is no income to cover, and in fact you would have less of a financial commitment without a child to provide for. The other angle is that child life insurance is cheap and they'll have lower premiums than an adult. I'll quote the referenced article directly to address that: Another ploy is that children's life insurance is cheap. It is inexpensive compared to adult life insurance because, plain and simply, children rarely die. While the numbers that the sales agent puts together may make children's life insurance sound like a great deal, take the time to run what you'd have if you instead invested the exact same amount used on the insurance fees into a Roth IRA and you'll find the true cost of purchasing this type of life insurance.


Saxo Bank offers direct access to Athens Stock Exchange. Interactive Brokers is your next best bet, and as you probably already noticed, they do not have a free platform. They are open to US and non-US citizens. Although they do not currently have direct exposure to individual companies on the Athens Stock Exchange, the various european exchanges they do provide direct market access for will give a lot of exposure. There are a few Greek companies that trade on non-Greek stock exchanges, if you want exposure. There are also Greek ETFs which bundle several companies together or try to replicate Greek company indices.


Classes of shares are not necessarily standardized. Some share classes have preference above others in the event of a liquidation. Some share classes represent a different proportion of ownership interest. Any time you see multiple share classes, you need to research what is different for that specific corporation.


The Bank Secrecy Act of 1970 requires that banks assist the U.S. Gov't in identifying and preventing money laundering. This means they're required to keep records of cash transactions of Negotiable Instruments, and report any such transactions with a daily aggregate limit of a value greater than (or equal to?) $10,000. Because of this, the business which is issuing the money order is also required to record this transaction to report it to the bank, who then holds the records in case FinCEN wants to review the transactions. EDITED: Added clarification on the $10,000 rule


Yes, it's not the founders who are doing the con -- it's the venture capitalists, who lead you to believe you're special, knighted, can have money for free, and who either don't really help you or in, for example, meddle, force board members on you, force you to sell, etc.


"The combination of this headline in this subreddit seems to be implying there are financial problems New York financiers are facing wether it's the individual being over leveraged or the bank giving out bad loans. When this couldn't be further from reality. It was a Nigerian ""businessman"" who purchased the unit, and financed it through a bank in Luxembourg. http://www.dailymail.co.uk/news/article-4642282/Kolawole-Aluko-foreclosed-Billionaires-Row-penthouse.html"


"> I liked the work. But I was never going to like it enough to blow a weekend doing more of it for free. He wasn't working *for his employer* ""for free"", he was **""working"" for himself**. He had something to show for it, as in 'a network in his house'; that he didn't have to *pay someone else* to do or make. He also probably increased his value to his employer just as much as if he'd taken a class on Saturday morning instead. Jeez, Louise; is a garage mechanic who fixes his own car on the weekend *instead of paying other garage mechanics* ""blowing his weekend""?"


"Consumer Reports offers a service that can tell you detailed actual cost to a dealer for a specific model and accessories -- real cost after rebates, not just invoice price. It costs a bit to order these reports, but if you are serious about buying a new car they are a highly recommended tool -- cu is independent and will give you the best info available, and simply walking into the dealership with the report in your hand can save huge amounts of negotiating. ""If you can give it to me for $500 over the real price, as shown here, I'll sign now."" Of course, standard advice is that it's usually better to buy a recent-model used car. I believe cu has other reports that can help you determine what a fair price is in that case, but usually I just bring it to a trusted garage and pay them to tell me exactly how much work it needs and whether they think it's worth the asking price."


I personally spoke with a Questrade agent about my question. To make a long story short: in a margin account, you are automatically issued a loan when buying U.S. stock with a Canadian money. Whereas, in a registered account (e.g. RRSP), the amount is converted on your behalf to cover the debit balance. Me: What happens if I open an account and I place an order for U.S. stocks with Canadian money? Is the amount converted at the time of transfer? How does that work? Agent: In a margin account, you are automatically issued a loan for a currency you do not have, however, if you have enough buying power, it will go through. The interest on the overnight balance is calculated daily and is charged on a monthly basis. We do not convert funds automatically in a margin account because you can have a debit cash balance. Agent: In a registered account, the Canada Revenue Agency does not allow a debit balance and therefore, we must convert your funds on your behalf to cover the debit balance if possible. We convert automatically overnight for a registered account. Agent: For example, if you buy U.S. equity you will need USD to buy it, and if you only have CAD, we will loan you USD to cover for that transaction. For example, if you had only $100 CAD and then wanted to buy U.S. stock worth $100 USD, then we will loan you $100 USD to purchase the stock. In a margin account we will not convert the funds automatically. Therefore, you will remain to have a $100 CAD credit and a $100 USD debit balance (or a loan) in your account. Me: I see, it means the longer I keep the stock, the higher interest will be? Agent: Well, yes, however, in a registered account there will be not be any interest since we convert your funds, but in a margin account, there will be interest until the debit balance is covered, or you can manually convert your funds by contacting us.


Not exactly. From OP's X-post, this appears like textbook tortious interference. If it were me, I'd demonstrate to the customer why they are getting a better deal and at the same time, I'd have my attorney send a C&D to the offending competitor.


"Because until the end of the Cold War, India was ""non-aligned"" but lightly supported the USSR because Pakistan was cozy with the US. As a result, it was pretty low on the immigration list for US authorities. Also, there isn't any history of Indian immigration to the US beyond the last 30 or so years. Other minorities, like the Chinese and Japanese, began coming here a century ago."


"Because there is more to american made than where it's assembled. An assembly line worker makes 20-30 an hour after the recession at a UAW plant. At a southern plant, 15-25. A 65k a year job pays 9000 in single filed income taxes, less if they're married. Again, there is more than assembly with vehicles, just because it's the most car manufactured by the most Americans, doesn't mean it's the best car to support America. And people use the ""american made"" index to justify that they are actually better ""americans"" for buying a Camry vs a Malibu"


"There is no such thing as a ""one for one"" split. It's either N for 1, or 1 for N in a reverse split. And for either, N can't be 1. Yes a 3:2 can happen, but I still read it as 1.5 for 1."


The taxi industry operates differently in every jurisdiction. I live in Vancouver BC and the taxi business here is archaic (think transportation before deregulation) so I would welcome Uber as an alternative. There is a reason a license to operate a cab in Vancouver is worth $500,000+ each. Monopolies, bitch.


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I recommend you ask this question to a qualified mortgage broker. We just closed on our first house. My wife & I have had several years of stable jobs, good credit scores, and a small side business with 1040 Schedule-C income... and we were surprised by the overwhelming amount of documentation we needed for the loan. For example, we had 3 checks deposited to our bank account for $37.95. We had to provide copies of the checks, deposit slip and a letter explaining the deposit. One reason we might have had so much trouble: the mortgage broker we selected sold our loan to a very picky lender. On the plus side, we obtained a competitive rate with extremely low closing costs on a 30 year fixed mortgage. However, I can't imagine the headaches we would've incurred if one of us were changing jobs to 1099 income.


"You keep saying this is based on data. Please feel free to provide peer reviewed data supporting your stance that smoking impacts income. I'm always happy to learn something new, but I'd need to see a valid source other than, ""Because I say so"". Which is what you just said again. Though this time you made a call to authority based on your undergrad degree."


You're halfway done with the debt elimination. Keep up the good work. The student loan debt will get in your way a couple of ways when you look to finance a house. First, your debt to income ratio will be higher than without the debt, so you'll be able to qualify for a smaller loan with the debt than without. Second, you'll have the student loan payments in addition to your mortgage. This may wear on you. I'd look for ways to make extra money to knock out those student loan debts ASAP. The rates aren't horrible. That, and I think there is still some time before the housing market bottoms out, so you don't need to rush into the house. If you can handle the entire debt load (student loans + mortgage) then if you save up for the down payment, that money isn't being used to pay down your student loans, and paying your students loans off won't get any easier when you get a mortgage on top of that.


Curing cancer is big business. Hyping cancer cures is even bigger business. QED, belongs in r/business. Please note that the applicability of any particular cure to any particular variety of cancer has no bearing on the level of hype surrounding it, nor on how much money the venture will demand from the public.


"Yes and no. There are different classes of shares - Some have voting rights, some *don't*. Some take precedence over others in a bankruptcy. Some get larger dividends. ""Common"" isn't really a useful description of your stake in the company. You *do* have a ""stake"" in the company, but not all shares are equal."


"EPS is often earnings/diluted shares. That is counting shares as if all convertible securities (employee stock options for example) were converted. Looking at page 3 of Q4 2015 Reissued Earnings Press Release we find both basic ($1.13) and diluted EPS ($1.11). Dividends are not paid on diluted shares, but only actual shares. If we pull put this chart @ Yahoo finance, and hovering our mouse over the blue diamond with a ""D"", we find that Pfizer paid dividends of $0.28, $0.28, $0.28, $0.30 in 2015. Or $1.14 per share. Very close to the $1.13, non-diluted EPS. A wrinkle is that one can think of the dividend payment as being from last quarter, so the first one in 2015 is from 2014. Leaving us with $0.28, $0.28, $0.30, and unknown. Returning to page three of Q4 2015 Reissued Earnings Press Release, Pfizer last $0.03 per share. So they paid more in dividends that quarter than they made. And from the other view, the $0.30 cents they paid came from the prior quarter, then if they pay Q1 2016 from Q4 2015, then they are paying more in that view also."


Carrying a small balance is generally better for your credit score that paying off in full every month by virtue of the statistics and models that give you a credit score for a certain product. Banks don't want to lend to customers that aren't going to be profitable, in my experience customers who can show that they have credit over time are generally awarded a higher score. So my advice would be to keep a small, manageable balance on the credit card, paying off the balance and then spending a little again on the card to keep at roughly constant balance. This revolving credit is the purpose of the product, and by showing you can use it sensibly, you will be rewarded over time. Source: I build credit scoring models for a big UK lender, specialising in credit cards and personal loan modelling.


It's easy to say this after the fact, but other industries that have heavily outsourced did so successfully. It's just Boeing that failed. This is probably because building airplanes is very complex and alot of precision is needed in designing the parts. This being said, before the outsourcing failure, it was not obvious that it would be.


Scientist Harry Coumnas and his team of astronomers have spotted a 15 powerful burst of radio waves that vanished as quickly as they appeared. It was a fast radio burst that the scientist has been trying to figure out what these things are.


You will not be able to. Here is why you don't have the collateral. You have a car that is probably not worth 10k. Also you probably do not have a simple interest loan. You have to look at your contract. Make sure that there is not early payment fee. Also look for the rule of 78's Explanation of Rule of 78's I can't sugarcoat this chances are you were ripped off because you had bad credit putting you into an even deeper hole.


You weren't eligible for a 401K in 2010, but you were eligible for an individual IRA. If you had known by April 18th that you had this extra money, you could have deposited (not rolled over) the money, up to the maximum ($5,000 or so, I think), into an IRA account You could do that because you didn't participate (legally) in an employer retirement program. But you didn't learn until early May, so you missed that deadline. I doubt that the IRS has any provisions for waiving that April 18th deadline, but I could be wrong: see the IRS publications. In any case, to answer the question directly - no, you can't roll over the money you're getting back, because it was mistakenly in the 401K plan. It will now become part of your 2011 income, and so you'll owe taxes on it when you file your tax return for the tax year 2011, in early 2012.


"[Trump1.](https://www.washingtonpost.com/news/post-politics/wp/2016/12/09/the-six-donors-trump-appointed-to-his-administration-gave-almost-12-million-with-their-families-to-his-campaign-and-the-party/?utm_term=.4f6b79680e9e) [Trump2.](http://www.alternet.org/right-wing/trumps-single-biggest-donor-robert-mercer-has-merciless-political-agenda) [Trump3.](https://www.theatlantic.com/politics/archive/2016/05/trumps-self-funding-lie/482691/) [Trump4.](https://www.nytimes.com/2017/04/19/us/politics/trump-inauguration-sheldon-adelson-fundraising.html) Should I go on? Just because Hillary got more big money hardly means Trump didn't have his share of the 20%. But facts are stubborn things, no? I really hope you are enjoying this really shitty time in American history by lying to yourself thinking that he represents ""the people""."


Check the beta, as the market is down this week you can see how much of it is explained just by variance and covariance. Also, look at their recent strategy, they are pulling the old razor blades (sell the razor at a loss, blades are the killing) across multiple product lines.


"If we take only the title of the question ""can the CEO short the stock"": It was probably different before Enron, but nowadays a CEO can only make planned trades, that is trades that are registered a very long time before, and that cannot be avoided once registered. So the CEO can say ""I sell 100,000 shares in exactly six months time"". Then in six months time, the CEO can and must sell the shares. Anything else will get him into trouble with the SEC quite automatically. I don't know if shorting a stock or buying options can be done that way at all. So it's possible only in the sense of ""it's possible, but you'll be in deep trouble"". Selling shares or exercising share options may indicate that the company's business is in trouble. If the sale makes that impression and everyone else starts selling because the CEO sold his shares, then the CEO may be in trouble with the board of directors. Such a sale would be totally legal (if announced long time ahead), but just a bad move if it makes the company look bad. Shorting sales is much worse in that respect. If the CEO wants to buy a new car, he may have to sell some shares (there are people paid almost only in share options), no matter where the share price is going. But shorting shares means that you most definitely think the share price is going to drop. You're betting your money on it. That would tend to get a CEO fired, even if it was legal."


I see three ways to do this. Note that I kept saying interest. I assumed for this answer you were only considering money being saved in a savings account. Money that is to be invested for the long term (college fund, retirement) have much different rules for contributions, use, deductibility, age rules: that they would tend not to be mixed within the same account.


I do not meet your qualifications but this is what I would do: 1) Save an amount that can replace your bike and accessories if it is stolen. Don't touch it for anything but that. 2) Compute an average monthly cost for maintenance items, double that for a couple of months until you have the account built up, then budget that amount every month. If your bike/headlight/front tire, get stolen or broken beyond repair, take it out of the first account. Then your savings priority should be to rebuild that account. I would be a bit alarmed if you have to keep hitting this account for legitimate reasons. When a tire goes flat, or other normal wear and tear item occurs, take it out of the second account. This account should fluctuate regularly, and it is normal. During certain months you may want to increase this amount (more glass on the street because of outdoor events means more flat tires). The same kind of thing holds true for a car. Putting numbers to some figures would help. I think the most alarming thing about your post is that a theft is somewhat ordinary. Yikes!


Nope pay the employer back the due does not involve any tax. Just keep a record of the transaction so that its available as reference.


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There is a strange puzzle today where savings account interest rates are not rising in-line with the Federal Funds rate. Either customers are apathetic to their alternative uses of cash, or banks have some-how formed a cartel to keep their cost of funding low. I'm leaning towards the former since bank customers today likely value readily accessible cash more than the interest rate they could earn by investing in money market mutual funds.


You're championing policy that would allow businesses to pay as little as they like for work, which has *historically* proven disastrous and inhumane, because forcing them to pay a decent wage opens the door to *businesses* being racist. Then, you're calling the left racist for encouraging the policy. What utter madness.


"Is it unwise to not have any kind of retirement account? etc. Yes. :) Why? Because they allow tax-free growth, and that's always good. and placed it in an online bank's checking account with 0.76% APY. If nothing else, move some of it into an online bank's savings account at 1.2% and the rest into a set of ""laddered"" CDs at about 1.5%. Do that to your ""six months emergency fund"" money, and whatever money you plan on using for a condo DP. Invest the rest."


BrenBarn did a great job explaining your options so I won't rehash any of that. I know you said that you don't want to save for retirement yet, but I'm going to risk answering that you should anyway. Specifically, I think you should consider a Roth IRA. When it comes to tax advantaged retirement accounts, once the contribution period for a tax year ends, there's no way to make up for it. For example in 2015 you may contribute up to $5,500 to your IRA. You can make those contributions up until tax day of the following year (April 15th, 2016). After that, you cannot contribute money towards 2015 again. So each year that goes by, you're losing out on some potential to contribute. As for why I think a Roth IRA specifically could work well for you: I'm advocating this because I think it's a good balance. You put away some money in a retirement account now, when it will have the most impact on your future retirement assets, taking advantage of a time you will never have again. At a low cost custodian like Vanguard, you can open an IRA with as little as $1,000 to start and choose from excellent fund options that meet your risk requirements. If you end up deciding that you really want that money for a car or a house or beer money, you can withdraw any of the contributions without fear of penalty or additional tax. But if you decide you don't really need to take that money back out, you've contributed to your retirement for a tax year you likely wouldn't have otherwise, and wouldn't be able to make up for later when you have more than enough to max out an IRA each year. I also want to stress that you should have a liquid emergency fund (in a savings or checking account) to deal with unexpected emergencies before funding something like this. But after that, if you have no specific goal for your savings and you don't know for sure you'll actually need to spend it in the near future, funding a Roth IRA is worth considering in my opinion.


> It seems outsourcing tech usually turns out to be a disaster for most companies in the long term Source? I think you usually only hear about failures, but who would brag about successfully moving operations abroad? You can hire decent developers for less than in the US pretty much everywhere in the world, but you can't bee too greedy.


By your own logic this may not work. Tax cuts which are matched by government spending cuts will have an immediate negative effect on the economy as government spending contributes a very sizeable chunk of the GDP and employs a not at all insignificant workforce. Thus for the net total economic growth to compensate at the very least that entire tax cuts has to be spent in the economy preferably in sectors where the income velocity of money is the highest. Income velocity has often been proven to be the highest among the low income sections while the lowest among the high income sections. For example if the corporate tax cuts is just invested as share buybacks the net velocity is tiny even though share prices will increase. What proof do you really have that this will not be case? Let alone 35 years, even recent data has shown that increasing the monetary supply to corporate America does not really translate to sustained GDP growth as the money velocity remains abysmal. This has been demonstrated both on a state level in Kansas, and in a slightly different way at the federal level through our experience with quantitative easing.


> flywheel The concept predates prime. Bezos has been fixed on it with Amazon since the 90s. I forget where he picked it up from, could have been from Wallmart execs, or Sam Waltons autobiog. It's detailed in The Everything Store.


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I understand the question, I think. The tough thing is that trades over the next brief time are random, or appear so. So, just as when a stock is $10.00 bid / $10.05 ask, if you place an order below the ask, a tick down in price may get you a fill, or if the next trades are flat to higher, you might see the close at $10.50, and no fill as it never went down to your limit. This process is no different for options than for stocks. When I want to trade options, I make sure the strike has decent volume, and enter a market order. Edit - I reworded a bit to clarify. The Black–Scholes is a model, not a rigid equation. Say I discover an option that's underpriced, but it trades under right until it expires. It's not like there's a reversion to the mean that will occur. There are some very sophisticated traders who use these tools to trade in some very high volumes, for them, it may produce results. For the small trader you need to know why you want to buy a stock or its option and not worry about the last $0.25 of its price.


"Would it make sense to take a loan from a relative... Other people have pointed this out, but honestly, I'd be very reluctant to answer ""yes"" to this no matter how you completed that sentence. There's always an intangible risk to mixing money and relationships. There's a lot that can go wrong during the duration of the loan, and if it does, the consequences could be a lot greater than just a bad credit score."


The reason for such differences is that there's no source to get this information. The companies do not (and cannot) report who are their shareholders except for large shareholders and stakes of interest. These, in the case of GoPro, were identified during the IPO (you can look the filings up on EDGAR). You can get information from this or that publicly traded mutual fund about their larger holdings from their reports, but private investors don't provide even that. Institutional (public) investors buy and sell shares all the time and only report large investments. So there's no reliable way to get a snapshot picture you're looking for.


The best way to gauge the state of the economy is to look at a chart of the stock market indexes in that particular country. The second way to gauge the state of an economy is to look at a chart of existing and new home sales in that country. Asset inflation is the #1 indicators. Also, it doesn't matter if the markets are filled with useless junk. Facebook is the same Facebook as before and it has risen 10 fold. The only thing that matters is the price of the indexes, themselves. Also, the media and media, both say that the markets are in bad shape constantly because they are constantly negative. Things are so negative that the negativity has even spilled over to this post. But, during all this negativity, the prices of all assets have continued to multiply at exuberant proportions.


The time horizon is usually very short for a home down payment. I would use Certificates of Deposit (CDs) with a short maturity (in the horizon of your intended use) or Money Market accounts. Depending on what the interests rates are where you are looking. You don't want the money in the market 100% (i.e. stocks) as the fluctuations might be too wide around the time you intend to pull the money out (and that will be soon).


Firstly, tax credits are not confiscated taxpayer dollars, they are taxpayer dollars which are NOT confiscated. Secondly, all forms of transportation (and energy production) receive billions in 'confiscated taxpayer dollars'. Sometimes when the future is clear (electric vehicles), it's worthwhile to provide temporary subsidies to jumpstart an industry. Tax credits are an excellent way to change taxpayer behaviour. If the government prefers electric vehicles as one way of reducing air pollution, tax credits seem a remarkably cost effective way of doing so in comparison to some of the other options people discuss (higher taxes on gasoline, for example, or more restrictive regulation on car manufacturers).


"You are legally able to contribute more than 4% to your 401(k) (unless you've hit the actual limit). There is no reason you need to pull out your ""extra"" contribution. So basically they just want their $27.50 back. So offer (via email or writing) to send them a check. You obviously don't work there any more, so if they insist it comes from your IRA or are not willing to accept a check, tell them to @%#&* off (OK, not really, that would be unprofessional, but that's the general idea). They overpaid you by $27.50, and you are legally bound to return the extra pay, but not to put up with their BS. Tell them you've offered to pay, and if they don't want to accept a check, they can sue you for it to try to get it in the form they prefer (which they won't do, and even if they did, at most the judge would just tell you to write a check - which you offered from the outset, so they'd probably owe your legal fees)."


"> BP's spill happened because a complex organizational structure didn't work as intended That is one way to put it. There were more than a few checks and balances that had to fail for it to get as far as it did. Further they knew the risks, it wasn't called ""Deep water horizon"" for kicks. Either way, I've not heard good things about BP from ex-employees. Both about BP's internal attitude towards general safety and risk reduction. While other employees from other companies its a much broader mix of positive/negative."


"The quantity are going to get booty raped when the cycle turns. The unprecedented bull run has lead to their models being skewed which is bad news for the quants who are the ""programmer funds"" you reference. I'm just an analyst and I use python regularly for my job, but I don't think AI can replace expertise."


Okay, I guess we can start there: My argument that taxes are a civic duty and patriotic is because they pay for the stability, safety, and basic essential services that I require and expect from a modern, civilized nation. The services that they pay for extend well outside of my basic needs, and therefor are for a greater good. They also help to maintain the success and livelihood of the nation and its people - thus the patriotism that I associate with taxes.


>As it turns out, the idea that your parents paid less for their house than you will is only true in absolute terms People carrying a similar amount of mortgage debt doesn't solidify this conclusion at all, as people have not been buying houses because they can't afford them. There were about 600k new home sales this year vs about 800k in 1985; despite population differences of 323m vs. 238m.


After the deal, which is expected to close by early next year, Burger King and Tim Horton said their newly combined company would have about $23 billion in sales and more than 18,000 locations. The corporate headquarters will be in Canada, but Burger King will still be operated out of Miami. So it can be considered an inversion. Do you understand how companies avoid taxes in these deals? The US taxes all your revenue at 35% and then gives you credit for foreign taxes paid. In many other countries, they just tax you for domestic revenue, not world wide. So previously, Burger King had to pay 35% tax on all revenue world wide, and then got back credits for taxes paid in say, Canada or England. Now, they will pay 35% only on US income and the foreign tax in those countries it operates, which can be much less than 35%.


"In these situations, one solution is to use the ""I was just about to ask you the same thing..."" response. This is kind of a famous way to deal with people asking you for money, whether it's someone asking to borrow ""$10 at lunch time"" or ""$3000 for a car"" or the like. So: Person X asks you for money, say $2000. Your reply: Ah, that's bad luck, I was just about to ask you the same thing... Follow this immediately - just keep talking - by launching in to a really incredibly detailed discussion of why you need to borrow money (pick a slightly larger amount, slet's ay $3500). Just ""keep talking"" and don't let the other person get a word in. Go in to great detail about just what you need the $3500 for and why. It's a good trick."


The last mattress I bought was in a store and I paid $500 for it. It is a queen size pillow top that I've had for 10 years and is still excellent. Why people are buying mattresses anywhere for thousands of dollars baffles me.


Just going to point out that the $5.2 figure includes gains from outside of the us. Considering he said that we gained that money, it'd be pretty normal to interpret it as part of the domestic gains. Also Wilbur Ross is trump's secretary of commerce and part of the administrstion, trump getting figures from him is still his responsibility.


> (1) The value of the MBA is in the network Really? That's the value? No, it's the letters behind your name that people look at when you submit an application / resume. If it's not there they pass you by. Furthermore, an MBA isn't the only way to build a network. Also, congrats on finding some great entry level jobs. When this kid is thinking about his 1st promotion and his peers already have an MBA, he's screwed. Great for the kids at your school... they're not eligible for anything other than entry level jobs without one. You're behind the trend. Sorry, you're giving the kid bad advice. It will not do him any harm to get it right away.


exactly this. of course young millennials want to be downtown where the action is. once you have kids, the whole dynamic of your life changes and the things you need and want access to change as well. but apparently it's easier to just lump an entire generation together when trying to define their needs and wants.


You want to bend over and take it up the ass by a bunch of tyrants you go ahead, but true patriots know that the fight to preserve our constitutional rights never ends. It certainly doesn't end on a Friday afternoon because some troll shows up and tells you it ended last week. They are **_inalienable_** rights. That means you or anyone else cannot take them away, and they cannot be signed away. Period. Our grandparents fought and died for this protection and you would simply throw it away without a fight. Shame on you. All of you dissidents should spend some time to really learn what the constitution grants you, and then spend the rest of your days helping defend it against those who would try to nickle and dime it to death. You're either with us or you're against us.


It's the rate of return on new opportunities. The rate on existing projects isn't relevant. If you buy a bond 10 years ago when market Interest rates were 8%, and you have cash to buy another bond today, it is today's interest rates that are relevant, not the rates 10 years ago.


Commercials aren't really designed to make you go out and buy a product right then and there but to keep that brand in your mind so that when you begin shopping they're part of your list. Also if you watch sports then skipping them isn't really an option and that's the biggest draw for TV networks.


"Furthermore, the ""trust fund"" the article talks about doesn't really exist - they SSAdmin just owns treasury bills, which as we all know are obligations of the U.S. government. So - in order to exhaust the ""trust fund"" you have to expect the U.S. treasury to repay the SSAdmin in full - which we can debate about whether that is a fair assumption or not."


Parents are eminently capable of gifting to their children. If it's a gift call it a gift. If it's not a gift, it's either a loan or a landmine for some future interpersonal familial interaction (parent-child or sibling-sibling). I an concerned by some phrasing in the OP that it is partially down this path here. If it's a loan, it should have the full ceremony of a loan: written terms and a payment plan (which could fairly be a 0% interest, single balloon payment in 10 years or conditional on sale of a house or such; it's still not a gift).


I think it may be best to take everything you're asking line-by-line. Once you buy stocks on X day of the month, the chances of stocks never actually going above and beyond your point of value on the chart are close to none. This is not true. Companies can go out of business, or take a major hit and never recover. Take Volkswagen for example, in 2015 due to a scandal they were involved in, their stocks went downhill. Now their stocks are starting to rise again. The investors goal is not to wait as long as necessary to make a profit on every stock purchase, but to make the largest profit possible in the shortest time possible. Sometimes this means selling a stock before it recovers (if it ever does). I think the problem with most buyers is that they desire the most gain they can possibly have. However, that is very risky. This can be true. Every investor needs to gauge the risk they're willing to take and high-gain investments are riskier. Therefore, it's better to be winning [small/medium] amounts of money (~)100% of the time than [any] amount of money <~25%. Safer investments do tend to yield more consistent returns, but this doesn't mean that every investor should aim for low-yield investments. Again, this is driven by the investor's risk tolerance. To conclude, profitable companies' stock tends to increase over time and less aggressive investments are safer, but it is possible to lose from any stock investment.


I use my Acer W500 (Windows 7 64bit) for browsing Internet (porn, news, reddit, wikipedia) and reading books. Haven't found any other reason to use it yet. Maybe if I would do some work that requires lot's of walk work and browsing inventory, it could have some additional use. I wonder what kind productivity improvements MS is planning.


Technically it does. The value is that you have higher credentials that are tangible to a business. When choosing between two people of same experience and background, the person with the MBA will likely have a higher chance of earning a job. Down vote my comments all you want, I didn't come here to circle jerk with MBA's. I came here to discuss and I appreciate you getting into a healthy debate with me, I personally enjoy it. I was a psychology major in undergrad and a part of me wishes I pursued something in psychology. I guess it's never too late.


I do this, and as you say the biggest downside is not having a separate account for your savings. If you're the type of person who struggles with restraint this is not for you. On the other hand this type of account gives more interest than any other type of US Checking or Savings account I've seen, so you will benefit from the interest.


First, request that you complete a tax return. On this tax return, you will complete both the employed and self employed sections. This will give you a total income and tax liability. You will already have paid some tax via PAYE, but you will have to pay additional tax for any other income. For future years there is the option, depending on amount, to collect extra tax through PAYE to cover the other earnings. If it is likely to be the same for the next few years, this may be a better option than paying a lump sum. The tax return is now mostly online, and not too bad if your affairs are otherwise simple. The hardest part will be keeping a good record of your other earnings. Remember that you have to keep these records for seven years in case HMRC ever want to audit them, and it's a good idea to have a separate account for the income, or some other way of easily identifying it.


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If I applied for a decent paying job and told them that I only want to work 3 days a week, they'd probably wouldn't hire me. Some people would be happier working less and foregoing a bit of pay. ~~Take a look at labor norms in Italy, seems to be working well for them.~~ Nevermind, the Italian economy isn't doing too great right now. I was basing that statement off a Micheal Moore documentary where people tend to work less and are happier.