Let me first start by defining an emergency fund. This is money which is: Because emergency's usually need to be deal with ASAP, boiler breaks, gears box in a car. Generally you need these to be solved as soon as possible, because ou depend on these things working and you can't budget for this type of expenditure using just your monthly salary. This is a personal opinion but I prefer investment types that don't have another fee on access. I really don't like having another fee on top on money that I need right now. Investment Options: Market based investments should be seen as long term investments, therefore they do not really satisfy requirement one, they can also have broker fees, therefore you might pay a small extra charge for taking money out, and so do not satisfy requirement two. Investment Options for Emergency Funds You want to get the best return on your money even if it's your emergency fund. So use regular saving accounts, but from you emergency fund or use tax effective savings accounts, like a cash ISA if based in the UK. Don't think of an emergency money as just sitting there, you have options just makes sure the options fit the requirements. UPDATE Given feedback I appreciate there are levels of emergency fund, the above details things which might be about 1-2 month salary in cost, car repairs, leaks, boiler repairs. Now I have another fund which is in P2P funds which is higher risk than a deposit account but then gives me a better return and is less subject to market fluctuations and it would be the place I go to for loss of job level emergencies say 6 months of salary, this takes a bit longer to access but given I have the above emergency fund I have given myself time to get the money from the P2P account.


I think it's a little too early to be attributing job losses/hour losses/*potential* job or hour losses to the wage hikes thus far. For one thing, there are other factors at work in the economy than just the hourly wage hikes. For another, these hikes JUST happened over the past 2-3 years. Wait until 2021 for the minimum wage to hit its target, and even then wait a couple years to gather data while it's at $15. Even in the article it looks like Berkeley and UW can't agree on their models and data. It sounds like it's all just mixed messages right now.


"Do not be worried. Read ""The Millionaire Next Door"" -it's dated, but the fundamentals are precisely correct. Blue-collar entrepreneurship is the gateway to prosperity. Gratian wrote that knowledge and the will to act are the two elements of greatness. Each man is only as much as he knows, but that knowledge without the will to act upon it is sterile and impotent. Intellectualism is **not** being sidelined. We -meaning the Market, really- are simply demanding that the intellect apply itself."


"mhoran_psprep has answered the question well about ""shorting"" e.g. making a profit if the stock price goes down. However a CEO can take out insurance (called hedging) against the stock price going down in relation to stocks they already own in some cases. But is must be disclosed in public filings etc. This may be done for example if most of the CEO’s money is in the stock of the company and they can’t sell for tax reasons. Normally it would only be done for part of the CEO’s holding."


"AFAIK, It's also possible that the ETF company is paying Ameritrade for every trade you make. Even if your brokerage doesn't make you pay a fee to trade ETFs, the company that created and runs the ETF is still making money when you purchase and use their ETFs. See ""What motivates each player?"" at Yahoo Finance."


"Maybe the source is too biased. From Wikipedia: The Weekly Standard is an American neoconservative opinion magazine published 48 times per year. (...) Currently edited by founder William Kristol and Fred Barnes, the Standard has been described as a ""redoubt of neoconservatism"" and as ""the neo-con bible"". Any other source on the story?"


"Retail purchases are purchases made at retail, i.e.: as a consumer/individual customer. That would include any ""standard"" individual expenditure, but may exclude wholesale sales or purchases from merchants who identify themselves as service providers to businesses. Specifics of these limitations really depend on your card issuer, and you should inquire with the customer service at what are their specific eligibility requirements. As an example, here in the US many cards give high cash-back for gasoline purchases, but only at ""retail"" locations. That excludes wholesale/club sellers like Costco, for example."


"Discussing individual stocks is discouraged here, so I'll make my answer somewhat generic. Keep in mind, some companies go public in a way that takes the shares that are held by the investment VCs (venture capitalists) and cashes them out of their positions, i.e. most if not all shares are made public. In that case, the day after IPO, the original investors have their money, and, short of the risk of being sued for fraud, could not care less what the stock does. Other companies float a small portion up front, and retain the rest. This is a way of creating a market and valuing the company, but not floating so many shares the market has trouble absorbing it. This stock has a ""Shares Outstanding"" of 2.74B but has only floated 757.21M. The nearly 2 billion shares held by the original investors certainly impact their wallets with how this IPO went. See the key statistics for the details."


Leave your money at home? I don't carry cash therefore if I make a purchase I make it on plastic and have to explain myself to my spouse. It isn't that either of us is particularly brutal about it, but we have agreed that neither of us wants to waste money we don't have. The downside to my plan is that the guilt comes later, after the damage is done.


That's absolutely what will happen. Computers are far safer behind the wheel than people. We're distractible. We drink. We talk on the phone. We speed. We get sleepy. We don't leave enough space between us and the car in front of us. We pull out into the intersection and get stuck there by traffic so the cross traffic can't move. The list goes on and on. Driverless cars are going to change the world. That's what I'm investing in.


It is my understanding that banks pay less than the going rate on savings accounts and require that the person who takes out a loan pay more than the going rate. That is how the bank gets its money. Usually the going rate is affected by the current inflation rate (but that has not been true for the last few weeks). So that means that, typically, the money you have in the bank is, gradually, losing purchasing power as the bank typically pays you less than the inflation rate. So if you want your money to keep pace with inflation (or do a bit better) then you should buy bonds.


I don't intend to live in the UK again If you don't intend to live in the UK again, my advise would be to move this back to Germany in EUR in the near future. Generally taking Fx [Currency] risk is not advisable unless the portfolio is large. I don't need the money in the short term As you don't need the money immediately, you can afford to wait and watch a bit. Whether the rate will be more favourable or worse can't be predicated with certainty. So you can wait for few weeks / months and pick up a week when it is slightly favourable and convert them into EUR.


"There's a couple of considerations here. Firstly, would this activity count as ""trading"". If you're trading you are legally required to register as self-employed. The line between a hobby activity and trading can be blurred but a key feature is whether you're aiming to make a profit (whether you manage it or not!). Secondly are you actually making any money? Even if what you're doing counts as self-employment, self-employed people pay tax on the profits they make from their activities, not on the total amount of money they take in. If you spend all the money you take in on keeping the server running then you're not making any profit so there's nothing to pay tax on."


"When you say ""set aside,"" you mean you saved to pay the tax due in April? That's underpaying. It's a rare exception the IRS makes for this penalty, hopefully it wasn't too large, and you now know how much to withhold through payroll deductions. Problem is, this wasn't unusual, it was an oversight. You have no legitimate grounds to dispute. Sorry."


This just shows how rediculous a one size fits all requirement on wages is... 15 an hour is enough to get you a 2-bed apartment in most states (well above minimum in my opinion)... While other states you're nowhere close... Why should the cost of living in Seattle hold merit to the wages in Bumfukt Kentucky?


As long as someone is willing to take it, you can write it! I personally wrote a check for a new car. The dealership didn't bat an eye.


Over the last ten years you have reaped the benefits of a good financial decision. (Presumably your low mortgage has freed up money for other financial priorities.) There would be no harm in making a clean break by selling as is. On the other hand, the resale value would probably be rather low considering the condition and the neighborhood. I don't want to assume too much here, but if a potential buyer is interested in the house by virtue of not being able to afford a house in a better neighborhood or better condition, their finances and credit history may make it difficult for them to be approved for a mortgage. That would reduce the potential buyer pool and further reduce the sale price. If you can pull more in rent than the mortgage, you definitely have an opportunity to come ahead. Maybe window A/C units and a repaired chimney are enough if you're renting. Your rental income would pay for that in less than a year even while paying your mortgage for you. (Of course you don't want to become a sleazy slumlord either.)


Why the hell is health care still tied to employment? Does anyone really think that is a reasonable function of business? All this does is make hiring human workers less attractive. Guess what. Thanks to automation and outsourcing business owners increasingly have the choice to do without the hassle of hiring people, especially poor, unskilled people these sorts of 19th century programs are designed to help. My heart goes out to those these sorts of short-sighted programs hurt the most (the poor), but blaming businesses for the mess is misdirected in the extreme. Maybe you think that business is evil, but in this case it is clearly and unquestionably the system created by the regulatory environment that has created the undesired outcome. The thing to always remember and keep in mind is the fact that businesses first and formost provide goods and services at the highest quality and lowest cost possible. Making labor more expensive means that businesses will do everything possible to use as little of it as possible when creating their good/service. If you want socialized health-care then fine, advocate for the government providing this service directly. Attempting to get 'health-care for free' by mandating businesses pay for it is simply a wrong-headed way to go about it that guarantees less employment **and** less health-care for the poor.


Some times you need to go through a stage of suffering before we see the long term benefit. Ideally these beautiful animals shouldn't ever had been bred for a life in captivity. I'm not completely innocent. I've visited zoos in my life, but only those where the animals live a good life, have plenty of open space and are not distressed in any way. The problem that SeaWorld have is that these animals are so large it would be next to impossible to build a tank that resembles anything close to what they would experience in the wild. I'm not sure if these animals can be released into the wild now and would presume they lack the many skills needed to survive; but what one can hope for is for their breeding program to come to an end if customer numbers continue to dwindle.


1.) Corporations are very lean. They can't cut any jobs because all the jobs they were able to cut have been cut. 2.) They pay the lowest wages possible without causing mass turnover. 3.) They have already added all the global customers who can still pay for their service or product. But, they can still turn a profit if they invite illegals to do the work for 5 dollars an hour. So don't worry investors. There is still one more thing you can exploit.


There's an interview with Andrew Lo on the WSJ that's worth a listen. One idea he touched on briefly is how the rise of index funds may be creating an investor monoculture. If this is the case, then he thinks it could lead to more market volatility. Interesting stuff. http://www.wsj.com/podcasts/andrew-w-lo-talks-how-to-evolve-with-adaptive-markets/4B141ED2-23EA-409E-BFEE-96791EEB473E.html


Here is my perception of the situation, obtained from reading Degiro's Client Agreement. If Degiro shuts down, it will notify you about the fact at least one month in advance, and you will have enough time to order a transfer of your positions to a different broker. If Degiro shuts down unexpectedly, your assets will remain to be held at SPV, a separate legal entity which Degiro uses to hold the financial instruments belonging to the clients. Since SPV does nothing else but holding the assets, it is very unlikely that something bad will happen with it on its own. With some help from Degiro and/or the regulator (AFM) you should be able to transfer your assets from SPV to a different custodian and broker and thus regain control over them. If you have a non-Custody account, you have slightly higher chances of losing your assets, because Degiro can borrow your securities held at SPV. If both the client for whom Degiro borrowed a security and Degiro itself go bankrupt at the same time, the lent security will not be returned to SPV, there will arise a shortage, which will be proportionally distributed among the accounts of the clients holding this particular security. However, then the investor compensation scheme should kick in and help you recover up to 20000 EUR of your losses.


Rocky is right on the money, +1 from me. I will adjust the convince and money issue: You don't mention your country, but here in the US several companies make it very easy to rent. For example, with a reservation National will allow you to pick any car you want. Just walk up, jump in, and ride away. Avis and Hertz will have your car ready, just find your name, go to your spot and jump in and go. All the paperwork is done electronically in both cases. Enterprise will come and pick you up, at just about any location, bring you to the shop and allow you to do the paperwork there. I am not sure if that paperwork can be done electronically, but perhaps it can. They will do the same in reverse once the rental is over. The key here is budget. You will save a lot of money by renting when needed over your peers that own a car. However, you will need to plan to have the money each month. I'd plan on having 50*2*4.*75 = 300 in a four weekend month, and 375 in a five weekend month. Carry over any excess not spent to the subsequent months. You will be well ahead of the game and not feel restricted in spending the money to rent.


If it were me, I would create a website for him. Take a look at all the other local plumber websites and identify the things they get right and wrong and then do or don't do those things, as appropriate. My feeling is that when someone wants a plumber, they are often anxious and may be in a hurry, so the first thing you need to say on that site is something that is brief and reassuring. The text needs to be clear and easy to read - no white text on a black background, or text placed over a picture. You also need to answer all the key questions they are likely to ask - how much, how soon, can I trust you to do the right thing, how much experience do you have? Basically, you need to put yourself in the shoes of that anxious customer and say the things that will strike a chord with them - obviously, any promises he makes on the site he then has to deliver.


All fair points. I don't mean to say that Jamie Dimon is smart or responsible, and it is possible that he intends high personal taxes and low corporate taxes, although even high personal taxes would be a controversial view among today's conservative/business groups. In my experience with senior corporate executives (and it is a LOT of experience), they are a lot like artists in that they tend to be highly skilled and knowledgeable within their domain, but they actually don't have a good sense of how politics works -- they may have studied psychology but not sociology, government, or history -- and so they subscribe to political views that are naive in the same way that their understanding of astrophysics is unsophisticated. Only they don't pontificate about astrophysics and attempt to change the laws of physics, both of which they DO do with politics.


One rule of thumb is that having regular activity on at least three different revolving accounts will improve your score: I agree that it may not be a great idea to have too many open credit accounts (Trade Lines) reporting on your credit report but if you don’t have enough active accounts, it will prevent you from being approved for a home mortgage. Both Conventional (Fannie Mae and Freddie Mac) mortgage loans and Government loans (such as FHA and VA) require that you have a minimum number of reporting trade lines that are active or have been active within the most recent 24 month period of time. An example of meeting the mortgage loan requirement is having a revolving account (credit card) that has been reporting activity for the past 24 months plus 2 other trade lines that have had activity reported for 12 months each, both within the past 24 months.


More importantly, index funds are denominated in specific currencies. You can't buy or sell an index, so it can be dimensionless. Anything you actually do to track the index involves real amounts of real money.


To expand on mhoran's answer - Once you mention the 401(k), we're compelled to ask (a) what is the match, if any, and (b) what are the expenses within the funds offered. Depositing to get the full match is going to get you the biggest return on your money. It's common to get a dollar for dollar match on the first 5 or 6% of your income. If the fees are high, you stop at the match, and move to an IRA for the next money you wish to save. At 22, I'd probably focus on the Roth. If you have access to a Roth 401(k), that's great, the match will be pre tax dollars and you'll get started with a decent tax status mix. These accounts can form the core of your investing. Most people have little left over once their retirement accounts are fully funded. And yes, reading to understand stocks is great, but also to understand why stock indexing is the best choice for most investors.


My brain seems to tune out ads now on TV even if I don't switch to another channel. I just feel so bored, and zone out like I'm in a boring class waiting for it to be over. And when it comes to internet ads my automatic thoughts are malware. The type of advertising that has been effective is word of mouth from those I perceive to be regular users.


"Now I say this with all due respect, and I mean with all due respect. You sound like a bitch. I've never witnessed someone take criticism so personally. For someone who claims to ""[not] really care what strangers on the internet think about [them]"", you seem to be doing an awful lot of caring."


The founding fathers designed senators to be appointed by the state legislatures. Instead we elect them and they vote for federal bills which commit state taxes to some federal issue. They also designed a house where each representative was elected by 3,000 voters. Now each represents 700,000 and spends all their time getting money from donars instead of representing people they actually spoke to when campaigning. Maybe we need to go back to the way it was originally set up.


I had a 2000 Chevy Cavalier until late 2011. It worked well, but was very definitely at the end of its life. This was a low-end car, certainly, but I dispute your claim that cars last 20 - 25 years. Consumer Reports apparently says the average life expectancy of a new vehicle is around 8 years or 150,000 miles. When it came time to replace my Cavalier, I was significantly concerned about car safety and about the ability to handle Canadian winters (-40 temperatures, lots of snow). I chose a Subaru Forester as a good match for me. I could have bought one second-hand, but I wasn't willing to get one as old as five years. Car manufacturers constantly improve safety and features over that time period. The Forester is massively more capable of handling Canadian winters than the Cavalier was. If I was buying a Forester now, I'd want the EyeSight Driver Assist System which Subaru added a couple of years after my model year. The newer models score slightly higher in crash tests, too. That would limit me to 2014 or later models, and I'd be concerned someone selling a 2014 or 2015 knew something I didn't, knew they had purchased a lemon. I didn't need financing for my vehicle. On the other hand, I could have invested the money I saved, so if all I wanted was something to get me from point A to point B, my choice does not make much financial sense. But Canadian winters are brutal and car safety is massively important to me. I'm well aware that I paid considerably for this, and I'm comfortable with my decision.


It's great that vets have loans available to the that offer additional protections, but in a seller's market, which we are completely in, buyers should realize they need to make their offers as attractive as possible with as few barriers as possible. I recently put in an offer on a house, but was outbid by another offer to only have the seller come back a week later willing to accept my offer for 5K less because the other offer was a VA loan and they didn't want to deal with the hassle. That being said, affordability aside, vets can get non-VA loans, so it's not like they have no options to make themselves more appealing to sellers.


Pai's nomination very narrowly passed the Senate. If your senator was one of the 52 that voted in Pai's favor, start showing up at their town hall events and making this an issue they have to defend their stance on. Turn this into another thing that senators are running from their constituents on.


"Please clarify your question. What do you mean by ""..loan in Greece""? If you are referring to taking a mortgage loan to purchase residential property in Greece, there are two factors to consider: If the loan originates from a Greek bank, then odds are likely that the bank will be nationalized by the government if Greece defaults. If the loan is external (i.e. from J.P. Morgan or some foreign bank), then the default will certainly affect any bank that trades/maintains Euros, but banks that are registered outside of Greece won't be nationalized. So what does nationalizing mean for your loan? You will still be expected to pay it according to the terms of the contract. I'd recommend against an adjustable rate contract since rates will certainly rise in a default situation. As for property, that's a different story. There have been reports of violence in Greece already, and if the country defaults, imposes austerity measures, etc, odds are there will be more violence that can harm your property. Furthermore, there is a remote possibility that the government can attempt to acquire your private property. Unlikely, but possible. You could sue in this scenario on property rights violations but things will be very messy from that point on. If Greece doesn't default but just exits the Euro Zone, the situation will be similar. The Drachma will be weak and confidence will be poor, and unrest is a likely outcome. These are not statements of facts but rather my opinion, because I cannot peek into the future. Nonetheless, I would advise against taking a mortgage for property in Greece at this point in time."


"TL;DR: Sure, ""do your own homework"" is sometimes a cop out. But that doesn't mean we shouldn't do our homework. I agree that in many cases this is a cop-out by commentators. However, even if you believe in perfect market efficiency, there is benefit in ""doing your homework"" for many reasons. One of which you already mention in the question: different stocks all with the same ""value"" might have widely ranging risk. Another factor that might vary between stocks is their tax consequences. High dividend stocks might be a better fit for some buyers than others. One stock might be priced at $40 because there is a small chance they might get regulatory approval for a new product. This might make this stock very risky with a 20% of being $150 in 12 months, and a 80% chance of being $20. Another stock might be priced at $40 because the company is a cash cow, declining in revenues but producing a large dividend of $0.40 per quarter. Low risk, but also with some potential tax disadvantages. Another stock might be priced at $40 because it's a high growth stock. This would be less risky than the first example, but more risky than the second example. And the risk would be more generalized, i.e. there wouldn't be one day or one event that would be make or break the stock. In short, even if we assume that the market is pricing everything perfectly, not all stocks are equal and not all stocks are equally appropriate to everyone. Sometimes when we hear an analyst say ""they should have done their homework"" they are really saying ""This was a high risk/high reward stock. They should have known that this had a potential downside."" And that all assumes that we believe in 100% pure market efficiency. Which many disagree with, at least to some extent. For example, if we instead subscribe to Peter Lynch's theories about ""local knowledge"", we might believe that everyone has some personal fields of expertise where they know more than the experts. A professional stock analyst is going to follow many stocks and many not have technical experience in the field of the company. (This is especially true of small and mid cap stocks.) If you happen to be an expert in LED lighting, it is entirely feasible (at least to me) that you could be able to do a better job of ""doing homework"" on CREE than the analysts. Or if you use a specialized piece of software from a small vendor at work, and you know that the latest version stinks, then you will likely know more than the analyst does. I think it is somewhat akin to going to a doctor. We could say to ourselves ""the doctor is more knowledgeable about me than medicine, I'm just going to do what they tell me to do."" And 99% of the time, that is the right thing to do. But if we do our ""homework"" anyway, and research the symptoms, diagnoses, and drugs ourselves as well, we can do get benefits. Sometimes we just can express our preferences amongst equal solutions. Sometimes we can ask smarter questions. And sometimes we have some piece of knowledge that the doctor doesn't have and can actually make an important discovery they didn't know. (And, just like investing, sometimes we can also have just enough knowledge to be dangerous and do ourselves harm if we go against the advice of the professionals.)"


My mortgage started out with an escrow, but it seemed like they were mismanaging it. They often over-collected it and locked up my money unnecessarily or under-collected and had to catch up later to pay the tax bill. Despite what Vitalik said, I told them I would pay my own taxes and insurance and to stop the escrow and they did without argument. Keep in mind, you should only do this if you are good about saving money. The banks know that many people aren't and will have trouble at the end of the year when a multi-thousand dollar tax or insurance bill comes due, hence the reason they try to get you to do the escrow. In my case, I just had the estimated tax/escrow amount automatically deposited from my paycheck into a special interest bearing savings account that I manage.


"This is the best tl;dr I could make, [original](https://www.theguardian.com/society/2017/jun/02/the-strong-case-for-a-land-value-tax) reduced by 81%. (I'm a bot) ***** > Several parties&#039; manifestos gave land value tax a nod. > The advantages are that land cannot be placed tax-free in an overseas bank, taxing land forces into use the 600,000 plots of unused land owned by the big builders, it is progressive, it relieves the incomes of hardworking people and companies by enabling the abolition of inefficient taxes such as council tax, business rates and stamp duty. > Land nationalisation has a long history, relevant today when private profit from land has overwhelmed public interest. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6gkcny/the_strong_case_for_a_land_value_tax_letters/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~141482 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **land**^#1 **housing**^#2 **tax**^#3 **need**^#4 **Such**^#5"


You're assuming a lot about specific forms the upload process would take. Those assumptions are **not** safe ones. Consider for example the notion of an augmented mind that is given a presence in cyberspace... which wouldn't *stop* if the meat-brain died. Genuine *transfer* of continuity.


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Windows 10 is trash and is outclassed by Linux, OS X and Windows 7. Over two years after its release and it still has not eclipsed Windows 7, and it isn't even close. Just because he replaced someone that the press loved to hate does not mean we should all get on our knees and start sucking Satya's dick.


Jeepers . .its been a tough week huh? People got really serious, with missiles flying and what not . . Hydrogen bombs in the Pacific Well thank god its Friday and our orange baby can head off for a week end holiday so he can make sense of all the big boy words, can sink his head into a soft fluffy pillow to drown out the sobs as reality sinks in and the truth is exposed . . .nothing so cool as a Russian spy op . . just a simple shmeckle puppet Melania . . .see if you can bring yourself to maybe give him a hug with out retching . . Kim was so mean to him I think he hurt his feelings and the Chinese just ran circles around him and Putin . . damn . .so cold . .he just ignored him all together If all else fails Donald, grab a bottle of shampoo and put those little hands to work, maybe if there is some left and you can squeeze out a drop or two . . .the world wont look so hostile on Monday I bet you wish you took the blue pill


Altough this may vary a lot depending on where you live and your actual finance, here what convinced me buying a home instead of renting : Other benefits :


It is a great advice. I would suggest going to the Companies House (it's in London somewhere), picking up all of their leaflets regarding requirements for different forms of corporate entity, and deciding if you want to have that burden. It is not a lot of work, you can essentially claim VAT on all business purchases (the way roughly it works, is that your company invoices your client, your client has to pay the fee + VAT (usually that VAT is then deducted by your client from it's VAT, so no loss there), and you pay the VAT on the difference between the service sales price, and your costs (computers etc.) ) You have to be careful to avoid excessive double taxation (paying income tax on both corporate income, and then your personal income off said company), but it usually comes off in your favor. Essentially, if you're making more than 50% of your income from services rendered, it is to your advantage to render such services as a business entity.


^This. As we can see with the pending $125b bail-out that Europe will provide. Imagine, if India was in the place of the Spanish? Who would conjure up such a bail-out for them? As said by 23_47 earlier, the credit rating is a measure of risk. A country backed by a 17-country alliance (Eurozone) is less risky to invest in than a country without such support.


As littleadv says, if you're a sole proprietorship, you don't need to file a 1099 for money you pay yourself. You certainly will need to file a schedule C or schedule E to report the income. And don't forget SE to pay social security taxes on the income if you made a profit. If your company is a corporation, then -- I'm not a tax lawyer here, but I think the corporation would need to file a 1099 for the money that the corporation pays to you. Assuming that the amount is above the threshold that requires a 1099. That's normally $600, but it's only $10 for royalties.


Well, you're taking two companies who are overhauling their networks in a similar way (LTE) and combining resources... Combining Sprint's and Softbank's orders for phones and LTE equipment reduces overall cost per unit which allows both companies to offer better service and better devices for less. There is also the added advantage of capturing customers that travel between the US and Japan... Make it easier and cheaper to use one device in both countries. That's what they're aiming for.


No idea. I dont know what rules were put in place after 2008 in regards to rating them. IIRC the institution doesnt have the ability to choose moodys or standard and poors. The cdos are submitted to both of them and rated anonymously. But i have no idea where im getting that from.


Money and wealth are two different things. Money is an item that can be used as a store of wealth and as a convenient medium of exchange, but it's not the same thing as wealth. If you have a lot of money, then you have a lot of wealth. But you can have a lot of wealth (in the form of, for example, real estate, company ownership, financial assets and loans, and physical capital) and not have a lot of money. There is a very, very large amount of money in the world, so bitcoin would have to appreciate in an extreme way in order to replace the other forms of money. In that case someone owning a lot of bitcoin will be pretty rich. But having half the world's money is a much smaller thing than having half the world's wealth. Your inflation question isn't real clear to me. Because bitcoin is not kept in banks and lent out, a bitcoin user in your proposed world creates inflation when they spend their bitcoins, increasing demand for goods and services. This increased demand drives up the price of those goods and services. Prices react pretty quickly, so it seems like the effect of an increase in the effective money supply (the bitcoins actually being used, rather than hoarded) would have a similar effect when spent quickly as slowly. Think of it this way: if you are buying 1,000,000,000 toasters the first few thousand could be had cheaply at Walmart and Amazon. Then you would have to go to more and more expensive sources to get them. Eventually you would run out of sources and have to have them special made at yet higher expense. It's not the time that raised the prices but the actual purchasing behavior. Same thing is true of houses, yachts, islands, or whatever else a very rich hypothetical person might buy.


They make a killing. In Queensland, a state of Australia, they only have one Distributor, Energex, so there is no competition. All power comes from them. As such, the prices are ridiculously high since retailers can't afford to sell it any cheaper than what they bought it for. This company Energex has employees that casually take 3 hour lunch breaks and still earn over 100k a year and they are not even execs. Meanwhile the consumers in that state are going broke from the energy prices.


In today's world we spend almost as much time online as we do out in the real world. We're using the Internet to fulfill almost every need in our lives; we can now shop, socialize, and pay our monthly bills without having to leave the comfort of our computer desks.


I wouldn't put too much stock in the guidance generically... it's more a measure of confidence in the company. When you listen to the earnings calls and start following a particular analyst, you'll understand where they come from when they kick out a number.


Your first step should be meeting with a CPA or tax attorney who specializes in the taxation of dual citizens. Your local accountant can probably refer you to someone. There are many people in that situation, and while I'm not familiar with the details, I know there are tax treaties between the U.S. and Canada designed to address your situation.


"> However, Democrats do not directly mention Trump in their strategy documents, though the campaign's title clearly references the president's signature book, ""The Art of the Deal."" Um. No it doesn't. I guess they've never heard of The New Deal?"


Can she send money to me in India through their NRI account? She can transfer the money to her NRE account and then to your Savings Account. Alternatively she can also transfer money directly to your savings account. There is no tax for this transaction in India as it is gift and exempt under gift tax act. If the amounts are large [run in quite a few tens of lacs], have some paperwork showing this as Gift. You can transfer this to son or doing anything you like with it.


">I should never have to specify the flavor for the love of God. I was just ranting about the same to friends last night, but the ""chocolate"" Frosty is still just as good as it was a decade ago. As to Arbie's I don't know what horsey sauce is, and I guess... I'm afraid to ask. We don't have a lot of 'em around here & the few times I've been to one (like twice) I got food poisoning... so.... McDonald's: * Fries go from meh to grossly over greasy. * Burgers are just not good. * Chicken strips or chicken snack wraps are eatable * Generally I avoid McDonald's * The fudge sunday's bring back happy childhood memories though."


US dollars 49.99 for Michelin Bicycle Tires is a rate which can bring can force anyone to buy the tires even if it is not required. The rate seems unreal but this is the exact price of the tire on one of the tire retailers. This sounds unreal but it is actually a reality and you can find affordable Michelin Bicycle Tires online with little research.


I went to the bank with my friends and told them that I saw the money in my account, that it's not mine, and that they should investigate and send it back to wherever it came from Right thing to do. Did you give this in writing? Do you have a stamped copy of the letter from Bank that they accepted your complaint? he has been calling with different phone number threatening me, saying that he will kill me, he will make sure I don't return to my country alive, and all. Lodge a formal police complaint. And also I have not heard from the bank at all. What should I do? Ensure that all your communication and follow-up is in writing. Even email is fine. But periodically send this via certified post with tracking number. Even when you call up the bank, keep a track of calls. After a day or two, send a email saying further to calls 1, calls 2, calls 3 etc you are still awaiting a response from Bank. Even after face to face visits, record all your follow-up and periodically send via email and after few email take a print of everything [even if its 10 pages] and send via certified mail. The reason it is very important to have a written trail is if things go wrong, Law enforcement can accuse you to be part of fraud/scam. It will be difficult to establish you were the one who complained about it. If not too difficult, change you phone numbers. Yes definitely open the new Bank Account; and don't give this to a random stranger on Internet.


Some brief research suggest that boat insurance is ~1.5% of boat cost/year. So a $10,000 boat might be about $150. Other sites say average boat insurance is $300-500/year. So a bit of a range to work with. Though the risk is relatively low, people would rather a small planned expense than risk a large unplanned expense. In addition, most policies cover liability, so if someone were to get hurt on your boat, or you caused damage with your boat, insurance adds protection.


Me too. Haven't failed because it's shit that I do/did for free. There have have instances where if I didn't have a saved up cushion to fall back on times would have been hard waiting to get paid on some municipal and corporate contracts (can take up to 90 days sometimes).


Sometimes the market has to be left alone. Too much interference of the policy makers to stabilize the falling market can actually result in a major crisis. Every change stabilises after sometime and it is also applicable in the Forex trading market. So, the eager investors should learn to have some patience and wait for the market to stabilise itself rather than make random predictions on the policies released by policy makers


I'm currently reading the book *Divine Fury: A History of Genius* by Darrin M. McMahon which ponders the relationship between madness, creativity, and genius. I think some minds are a little more flexible in the possibilities that may be contemplated and this allows the potential for more discoveries. But when your mind is a little too flexible it can be seen as eccentric.


The mushroom republic, keep the public in the dark and feed 'em shit. Money buys choices and influence. The richies are cowards and fear they might have to get their fingernails dirty and perform a legitimate service in society if others are allowed to compete with them. When does the mass boycott start where everybody stops paying their mortgate/rent, insurance and taxes? That would reboot an economy.


The trouble is not enough Americans today are willing to do hard physical work for low pay. At the same time, Americans aren't willing to pay more for things like landscaping and fruits and veggies. I would be delighted if we fixed our broken legal immigration system, but since we can't seem to do that, we get illegal immigrants, and every day both you and I use products they produced.


Personally, I would split the difference, putting about half into each. Simply because it balances out the problem and I don't have to fret about whether one or the other will provide a significant difference. As bstpierre points out, the one which will make you more in the end is the one which you can grow the fastest. The mortgage payment is locked at 5% growth, which, while modest, is also essentially guaranteed at this point. The CD in your IRA is likely less than that amount, even after tax consideration. A couple additional points to consider:


There is no formula for calculating a stock price based on the financials of a company. A stock price is set by the market and always has a component built into it that is based on something outside of the current valuation of a company using its financials. Essentially, the stock price of a company per share is whatever the best price it can get on the open market. If you are looking at how to evaluate if a stock is a good value at the current price, then look at some of the answers, but I wanted to answer this based on the way you phrased the question.


when they make the most money off of charging interest on late payments? This is incorrect. Do you have any data to back this? In the past decade there was a tendency by financial institutions to make money from late payments and there were certain rewards / incentives for people who paid late. However the bubble cracked soon enough and there were huge losses in the card industry. Today most of the revenue for card companies is from margins on customers who pay on time and growth avenues are promoting to pay every transaction by card. why do they actively seek people who pay their bills on time (as evidence by requiring good credit scores to get approved for a card), instead of they opposite? As indicated above. Remember if one customer defaults it wipes out margins made by tons of customers. In spite of giving credit to people with good credit score, the average credit card debit an US individual holds is still quite high.


In general you will take home more in the US than in Canada. There are so many variables that is is impossible to provide a comprehensive answer that will cover all bases: so here are a few hand-waving statements. Two example calculator web sites for Canada and the US (chosen somewhat at random through Google, show that making $50,000 of either currency for the upcoming tax year in Canada you would expect to pay about $9,100 and for the US $5,900. Missing there are the state taxes, however, which also vary wildly. The deductions, adjustment and credits in both countries can really add up, so if you have specific questions, you should consult a tax specialist. Similarly, both countries provide various tax sheltered investment structures that change the game somewhat over the long term.


"It sounds like you really want to support Trump. I had a boss who said, ""people make decisions emotionally and justify then logically."" I get where you're coming from. He's on your side so you want to defend him. It probably doesn't make sense to give you any more facts if you're just going to find the flimsiest reason to dismiss them. I believe that the sky is blue, the grass is green, and Don Jr admitted to attempting to collude with the Russians, which is illegal. Maybe he actually succeeded, maybe he didn't, but there's no question that he tried. That's enough for an investigation, and based upon results could justify jail time. So I *really* don't like Trump. Let me take a moment to explain my emotions: * I think he's super dishonest * I think he's xenophobic. Immigrants are good people and contribute positively to society. Nearly everyone is an immigrant once you go back far enough. * I think he's a racist. It's ugly and good people should oppose this sort of hate. You learn this when you're little. * When he lies, the things he says are obviously inconsistent. It's insulting that he thinks we'd believe his stupid statements. * It saddens me that 38% of America still believes his stupid stuff. I don't know whether they're too simple to see his dishonesty, don't really care that he's dishonest, or are too disengaged to have noticed. I don't think our democracy lasts another generation in its current form. * I think he's corrupt, and is enriching himself and his family/allies with his office. He's the first president without a blind trust. * I think he does real damage to worthwhile endeavors (or tries to): renewable energy, global alliances, race relations, pollution controls, social safety net, civility, and others. * I'm disappointed that the Republicans haven't called him out. Politics and self-interest seems to outweigh integrity. Congress is the check on his power. * I think he's lazy and spends too much time on vacation. He's also dishonestly inconsistent for criticizing Obama for golfing too much, and then he golfs **more** once in office. * I'm torn about his incompetence on policy. I should probably be happy he's flailing around, unable to pass any significant law. I just hate to see the impotence."


Coins have the minimum value of the metal they are made from. Bank notes (paper money) would only be valuable when it becomes rare. And there isn't a good way to predict how quickly something like Zimbabwe dollars will become rare (that I know of at least).


They already have, just not in the sense you're thinking. It was all pumped into the financial system, both into banks and into securities markets (bonds, stocks, etc.). We're at all time highs for bond prices and stock prices. You ever hear about the 1% getting richer and the gap widening? You can thank the Fed for that. As for CPI inflation... it may never come. There's a balancing act between inflation & deflation. Japan is a perfect example - running printing presses for the past 20+ years and they've seen modest deflation over that period.


If the checking account is in a FDIC insured bank or a NCUA insured Credit Union then you don't have to worry about what happens if the bank goes out of business. In the past the government has made sure that any disruption was minimal. The fraud issue can cause a bigger problem. If they get a hold of your debit card, they can drain your account. Yes the bank gives you fraud protection so that the most you can lose is $50 or $500; many even make your liability $0 if you report it in a timely manor. But there generally is a delay in getting the money put back in your account. One way to minimize the problem is to open a savings account,it also has the FDIC and NCUA coverage . The account may even earn a little interest. If you don't allow the bank to automatically provide an overdraft transfer from savings to checking account, then the most they can temporarily steal is your checking account balance. Getting a credit card can provide additional protection. It also limits your total losses if there is fraud. The bill is only paid once a month so if they steal the card or the number, they won't be able to drain the money in the bank account. The credit card, if used wisely can also start to build a positive credit file so that in a few years you can get a loan for a car or a place to live. Of course if they steal your entire wallet with both the credit and the debit card...


PayPal does charge a premium, both for sending and receiving. Here's how you find their rates:


It depends on your equity(assets - liabilities). If you have a lot of equity, banks will be happy to lend you money because they now they can always seize your assets. If you don't have a lot of equity another option is to go to hard money lenders. They charge high rates and some of them lend-to-own, but is an option. And consider what Pete said, you might be a little optimistic.


"This is the best tl;dr I could make, [original](http://khpg.org/en/index.php?id=1503759946) reduced by 84%. (I'm a bot) ***** > The main Russian bank working in Russian-occupied Crimea and one other have been informed that the company providing their connection to the SWIFT network will terminate its services from 31 August. > According to one of the sources, RNCB and Tempbank differ from most other Russian banks, in that the crucial technology required for the SWIFT connection is provided by Finastra and not by SWIFT directly. > In its excuses for not disconnecting Russian banks, SWIFT claimed that &quot;Being EU-based, SWIFT complies fully with all applicable European law&quot;. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6x7fik/russian_banks_cut_off_from_swift_for_working_in/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~201908 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **SWIFT**^#1 **bank**^#2 **Russian**^#3 **Finastra**^#4 **international**^#5"


Thats true, I guess I never really dwelt too long on the positives. The earning potential within my office is quite high, and it is nice making my own hours. It's just difficult when, even at your own leisure, there is not enough hours in a day to help everyone/get everything done that you want to.


You are already doing everything you can. If your employer does not have a 401(k) you are limited to investing in a Roth or a traditional IRA (Roth is post tax money, traditional IRA gives you a deduction so it is essentially pre tax money). The contribution limits are the same for both and contributing to either adds to the limit (so you can't duplicate). CNN wrote an article on some other ways to save: One thing you may want to bring up with your employer is that they could set up a SEP-IRA. This allows them to set a % (up to 25%) that they contribute pre-tax to an IRA for everyone at the company that has worked there at least 3 years. If you are at a small company, maybe everyone with that kind of seniority would take an equivalent pay cut to get the automatic retirement contribution? (Note that a SEP-IRA has to apply to everyone equally percentage wise that has worked there for 3 years, and the employer makes the contribution, not you).


Oh my, you poor skilled worker being held down by the janitors, stock rooms workers, and retail workers of the world... So, let me guess, you are saying we should probably pay people less than minimum wage because something something market value or something something that's all those lazy people are worth, right? How about this, if a business can't afford to pay someone properly enough to survive, they don't deserve the labor. That may mean that the CEOs, shareholders, white collar, and skilled workers might have to take less pay so the guy at the bottom that is also needed to operate the company can afford to live without needing help from the government.


And what's the cost-of-living in Silicon Valley? How long are the work-days, how abundant the vacation time? Most of the publicly-held companies there apparently have solid sources of revenue, but for all too many start-up companies, where's the value proposition? As I've learned from first-hand experience, a high salary isn't as great as it sounds in an expensive area to live, and Silicon Valley is up there with New York, Washington DC, and Boston for the *really* expensive areas of America. >“Companies like Color are being given a second, third, or fourth shot at the game because it’s a big game,” says Bill Nguyen, Color’s chief executive officer. “The prizes are pretty darn huge. There are fundamental changes happening in information because of Facebook and mobile devices.” HOW DOES THIS NOT SOUND LIKE A SPECULATIVE BUBBLE TO PEOPLE?


In the first case that isn't a good example, in fact its contrary. We're talking about people earning under 5 million voting against taxing the very rich. It is in their interest directly. In the second case, civil rights aren't a zero sum game but it also isn't a case of voting against their own interests, just not necessarily directly for their own interests. All these are at best loose correlations like identity politics and not very concrete like in the case of healthcare. People figure it out slowly but they do figure it out.


"I always have mixed feelings when I read articles like this. On one hand I object to this idea that folks with these diagnoses are fragile and have to have ""special treatment"". On the other hand speaking as someone with some of these disorders who has worked in professional environments for a few decades, it's absolutely clear that working environments are designed for certain kinds of people (who are loud, insistent, and in the majority) and for them there really are substantial benefits. That being the case, I think it's important that companies make an effort to optimize the work environment for all their employees, even if that environment is radically different than what some folks (like H.R. folks) would like. It's amazing how much the quality of my work and my life in general improved when I could work in an environment designed to suit my needs."


In the cool mornings I use very little battery energy, but you are absolutely on to something with the AC, bc I put a pretty big dent in my battery during those hot late afternoon drives home. That adds up for sure.


"yeah. probably because the article author Brian Fung misleadingly presented it that way and conveniently failed to note in his article that the patent application was filed in 2012... so Amazon's interest in this is at least a 5 year old story. But that doesn't really flow with the manufactured ""Amazon is planning to prevent people from comparison shopping on their phones while in stores"" vibe of the piece, you know? Journalism, shmournalism."


I don't know. I like his attitude. Why not try weird stuff? I went to a Star Trek convention just for fun to see what it was like. Not my thing but I loved the experience. Same with a convention for restaurant supplies. Travel whenever I can and try to stay in the weird hotels. I'd probably try this service too, just to say I did.


The site you link to suggests the majority save on this plan. AC is tough, but most other power hogs are in your control, washer/drier, dish washer, etc. This is part of a bigger picture of power transmission, and management. The utility cost is the highest for peak demand, i.e. they need to have capacity for the peak use, but only selling average use, on average. This billing plan matches what you pay with the true cost, and you save by avoiding the peak times.


Nah, not true mate either - have some clients that sell in excess of AUD1M per month almost all of which done via social media ads, and they've been around years before Facebook was a thing. You're totally right though when you talk about some companies being behemoths - but social media and PPC platforms allow the playing field to be amazingly level when competing against them. AI is the next tool to be transforming sales and marketing - and again, it will be done via social media platforms - were seeing it already where Facebook and Watson can be connected within a few minutes to provide basic conversational customer service bots that can take payment for suggested products or services it gives as a result of that conversation. Now you may not like that aspect, but it's here already and only getting more advanced. Social media will morph and change - largely driven by AI and AR and better universal wireless connectivity - but the tools will be connected into 2B+ people via whatever social media channels continue tk be adopted - be it facebook or Instagram or whatever else emerges. kinda cool.


"Best way to invest around 50k Indian rupees and save Tax There is nothing ""Best"". There are multiple options that are available under 80C and you need to select one that suites you best. There are market linked options like ELSS, or assured returns like 6 years FD, or PPF or Term Insurance or other such options."


Well sure. Everyone wants free healthcare. But if it's a service that everyone gets, then everyone has to pay the government for it in taxes. One way or another we pay for it. The issue is: Are we going to rein in Big Pharma and the insurance cartel?


"We initially attempted to do this when we bought our house and found the listing agents ""resistant"" to say the least. For a variety of reasons (not just the commission), we ultimately decided to hire a buyer's agent, but we focused on buyer's agents that would pass some of their commission back to us. We used Redfin, but I think there may be others now. One ""gotcha"" even on this, is that, if you're getting a mortgage, the mortgage company may also have something to say about this situation. We had to apply the agent's rebate to our closing costs, we could not take it away in cash."


A few years ago I had been contributing with my employer to a 401(k). When I then moved abroad, I found it difficult to stay in touch with my 401(k). The toll-free numbers I had used inside the US, to contact the plan administrators, did not work from overseas.


The only reason this happened is that they believed they could get away with it. Take that belief away, things work out. Bail them out and crucify the managers and make the shareholders bear as much of the loss as possible - and bankrupt the bigger ones. Really be nasty about it, make them serve as an example. Don't mess the smaller guys. Those are small fry, they were fooled along with the others.


"My grandma left a 50K inheritance You don't make clear where in the inheritance process you are. I actually know of one case where the executor (a family member, not a professional) distributed the inheritance before paying the estate taxes. Long story short, the heirs had to pay back part of the inheritance. So the first thing that I would do is verify that the estate is closed and all the taxes paid. If the executor is a professional, just call and ask. If a family member, you may want to approach it more obliquely. Or not. The important thing is not to start spending that money until you're sure that you have it. One good thing is that my husband is in grad school and will be done in 2019 and will then make about 75K/yr with his degree profession. Be a bit careful about relying on this. Outside the student loans, you should build other expenses around the assumption that he won't find a job immediately after grad school. For example, we could be in a recession in 2019. We'll be about due by then. Paying off the $5k ""other debt"" is probably a no brainer. Chances are that you're paying double-digit interest. Just kill it. Unless the car loan is zero-interest, you probably want to get rid of that loan too. I would tend to agree that the car seems expensive for your income, but I'm not sure that the amount that you could recover by selling it justifies the loss of value. Hopefully it's in good shape and will last for years without significant maintenance. Consider putting $2k (your monthly income) in your checking account. Instead of paying for things paycheck-to-paycheck, this should allow you to buy things on schedule, without having to wait for the money to appear in your account. Put the remainder into an emergency account. Set aside $12k (50% of your annual income/expenses) for real emergencies like a medical emergency or job loss. The other $16k you can use the same way you use the $5k other debt borrowing now, for small emergencies. E.g. a car repair. Make a budget and stick to it. The elimination of the car loan should free up enough monthly income to support a reasonable budget. If it seems like it isn't, then you are spending too much money for your income. Don't forget to explicitly budget for entertainment and vacations. It's easy to overspend there. If you don't make a budget, you'll just find yourself back to your paycheck-to-paycheck existence. That sounds like it is frustrating for you. Budget so that you know how much money you really need to live."


You should probably talk to a lawyer experienced in such matters, it is really hard to tell from what you described whether there is a problem or not. Are they trying to put majority of blame on me so that they can increase my premium or are they acting the right way? Both may be true. They are acting in their own best interests, not yours. They're trying to minimize their exposure. Had the other guy had insurance they would be much more susceptible to shift the blame, but since he doesn't - it is unlikely that they'll recover their money. So it is not in their best interests to accept your claim. Whether they're right or not - you answered yourself. A person backing out is usually responsible and the burden of proof that you aren't is on you. Does the insurance have something to gain from assigning more fault on me? Of course. Less money to shell out, more premiums to get. That said, they are willing to admit that some of the blame is on the other driver, which means that they're not entirely dismissing your claims. In general, I'm just trying to make sure I'm not being cheated monetarily by the insurance company in any way. Sue them.


"The IRA contribution limit is a limit on the total amount you can contribute to all of your Roth and traditional IRAs. It's not a per-account limit. (See here and here.) Once you've hit the contribution limit on one account, you've hit it on all of them. Even so, supposing you had a reason with try to take money out of one of the accounts, the answer to your question is ""sort of"". The limit is a limit on your gross contributions, not your net contributions. It is possible to withdraw Roth contributions if you do so before the tax filing deadline for that year, but you must also withdraw (and pay taxes on) any earnings accured during the time the money was in the Roth (see here). In addition, doing this may not be as simple as just taking the money out of your account; you should probably ask your bank about it and let them know you're ""undoing"" the contribution, since they may otherwise still record the amount as a real contribution and the withdrawal as unqualified early withdrawal (subject to penalties, etc.)."


And I should have known better - a GOP-man just ignoring the facts and immediately swithching to the debaters low point - an ill-informed, ad hominem attack upon me. So I can count on you to ignore the record: 1)Unbroken private sector job growth since January 2010 - http://www.esa.doc.gov/Blog/2012/03/09/economic-indicator-nearly-4-million-jobs-created-past-24-months 2)Highest cutbacks in government jobs occurring in Republican states - http://www.thenation.com/article/167050/red-states-see-massive-public-sector-job-losses 3)GOP NO on Democrat Job bills - latest example, NO for tax credits for companies that bring back jobs to US - http://edition.cnn.com/2012/07/19/politics/senate-bring-jobs-home-bill-blocked/index.html But hey --I can count on you either ignore this data or call it Kool Aid


I'm not sure why you're confusing the two unrelated things. 1040ES is your estimated tax payments. 941 is your corporation's payroll tax report. They have nothing to do with each other. You being the corporation's employee is accidental, and can only help you to avoid 1040ES and use the W2 withholding instead - like any other employee. From the IRS standpoint you're not running a LLC - you're running a corporation, and you're that corporation's employee. While technically you're self-employed, from tax perspective - you're not (to the extent of your corporate salary, at least).


If your gross income is only $3000, then you don't need to file: https://www.irs.gov/pub/irs-pdf/p501.pdf That said, pay careful attention to: https://www.irs.gov/individuals/international-taxpayers/taxpayers-living-abroad You should be reporting ALL income, without regard to WHERE you earned it, on your US taxes. Not doing so could indeed get you in trouble if you are audited. Your level of worry depends on how much of the tax law you are willing to dodge, and how lucky you feel.


"It's also refreshing that they were somewhat realistic about their worst-case scenario (only affluent executives would use the service). Also interesting that they completely glossed over the legal challenges they must have known they'd see from the regulated taxi industry. One wonders whether they really believed they'd be exempt from medallion requirements because they were a ""members only"" service. When you're successful, you get to construe every lucky victory as a strategic masterstroke."


"I actually love this question, and have hashed this out with a friend of mine where my premise was that at some volume of money it must be advantageous to simply track the index yourself. There some obvious touch-points: Most people don't have anywhere near the volume of money required for even a $5 commission outweigh the large index fund expense ratios. There are logistical issues that are massively reduced by holding a fund when it comes to winding down your investment(s) as you get near retirement age. Index funds are not touted as categorically ""the best"" investment, they are being touted as the best place for the average person to invest. There is still a management component to an index like the S&P500. The index doesn't simply buy a share of Apple and watch it over time. The S&P 500 isn't simply a single share of each of the 500 larges US companies it's market cap weighted with frequent rebalancing and constituent changes. VOO makes a lot of trades every day to track the S&P index, ""passive index investing"" is almost an oxymoron. The most obvious part of this is that if index funds were ""the best"" way to invest money Berkshire Hathaway would be 100% invested in VOO. The argument for ""passive index investing"" is simplified for public consumption. The reality is that over time large actively managed funds have under-performed the large index funds net of fees. In part, the thrust of the advice is that the average person is, or should be, more concerned with their own endeavors than they are managing their savings. Investment professionals generally want to avoid ""How come I my money only returned 4% when the market index returned 7%? If you track the index, you won't do worse than the index; this helps people sleep better at night. In my opinion the dirty little secret of index funds is that they are able to charge so much less because they spend $0 making investment decisions and $0 on researching the quality of the securities they hold. They simply track an index; XYZ company is 0.07% of the index, then the fund carries 0.07% of XYZ even if the manager thinks something shady is going on there. The argument for a majority of your funds residing in Mutual Funds/ETFs is simple, When you're of retirement age do you really want to make decisions like should I sell a share of Amazon or a share of Exxon? Wouldn't you rather just sell 2 units of SRQ Index fund and completely maintain your investment diversification and not pay commission? For this simplicity you give up three basis points? It seems pretty reasonable to me."


Welfare dollars stimulate the economy at a greater rate than tax breaks because welfare recipients have no choice but to spend the money. Thus welfare dollars tend to directly stimulate communities, by allowing people to buy food, and rent homes. This is a position that is accepted by pretty much every economist.


yeah, that's what they were probably making, but when I complained to Ticketmaster I was saying that unless they needed to make that much money, there was absolutely no reason for the processing fee to be nearly 50% of what the ticket price was.


With overdraft fees, I feel it is no different than a loan shark. They charge 35$ fee no matter if you buy a 25 cent pack of gum or something much more expensive. Every time you over drafted you payed 35$. My wife has seen some people with 500 or more in fees because they spent 100 bucks or so over several transactions.


Do you know why it's so popular? I thought other trucks are pretty good too. Top selling sedans don't have that large of a margin. You're right that they get burned out quickly, although I'd think there'd be a longevity version of trucks by now. aren't toyota trucks very long living?


When I read this website I feel like he is spinning the story the wrong way. He has a lot of stories about how the internet has allowed quick organization of a large amount of people out to a specific goal. You can tell the author has a lot of disdain for consumers the way he always talks negative about people using their brains to get a better deal and how these poor multibillion dollar companies are going to suffer minor loses.


No, the credit company will not remove the $20. Your merchant (the airline) charged in their local currency, the equivalent of $1000. That is also what they refunded. The $20 are yours to keep.


With the recent drive in AML [Anti Money Laundering], quite a few countries being signatories; the central banks in almost all countries[that matter] have put in stronger KYC guidelines. This means you will not be able to remotely open a Bank Account in Thailand. More info at below links http://www.bangkokbank.com/BANGKOKBANK/PERSONALBANKING/SPECIALSERVICES/FOREIGNCUSTOMERS/Pages/Openinganaccountnew.aspx http://www.samuifinder.com/en/koh-samui-info/money-in-thailand/bank-account-thailand/


>Sounds like he should sell or close the company. You bring up a very good point. If he cares so much about his employees, but it's just too inconvenient for him to run the company if his taxes go up 5%, why not sell it instead of putting 7000 people out of a job? Why threaten people when there's an obvious alternative? Hell, if he just wants to close it anyways, he could just give the company away. >See I can already shoot down your explanation, because it's not just higher taxes, its increased business tax liability, increased business insurance liability. Nope. He explicitly states that he will downsize or close the company if there are *any new taxes* whatsoever on either him *or* the business. It's also worth noting that his company is currently more profitable than its ever been. >Obama said he didnt build it What? >Rhetoric is cute until thousands of employees are out of jobs because the owner didn't feel it was worth it to continue the business. Yeah so maybe he should cut his bullshit rhetoric when those jobs are on the line and the only one responsible for their fates is him. And if it's really too much of a bother for him to run the company if he's making slightly less money when he's already said he has more money than he'll ever need, he can promote someone else to run the company or just sell it. Saying he cares about his employees makes him a liar, criticizing people who spent beyond their means makes him a hypocrite, and his empty threats and brow beating make him a bully.


I had two last year but i got laid off from one because they told me they didnt want to workwith the others schedule anymore. I asked if id get a raise for staying with then and they said no so i left


Where do you get them? We have a ton we're clearing out to move from my grandpa. Some Beatles and earlier from my mom and lots of heavy old foxtrot and similar records from grandpa (victor, Decca records, nice heavy weight, in their original papers). Trying to see if there is a market for these old ones before I just garage sale them.


Latamclick es una agencia digital 360° que satisface a diario necesidades de centenares de clientes en todo el mercado hispano que buscan sorprender, optimizar y administrar las marcas dentro de la gran Web. Con headquarters en Paraguay y oficinas en Panamá, además de operaciones comerciales en el 90% de los mercados latinos hispanos, desde el 2009 Latamclick representa un HUB de las agencias digitales.


If it's just an ordinary credit card I'd think he could merely dispute the charges, since he's saying they 'created' (which I presume means applied for and received) a card, it should not affect his accounts directly. And especially since application details may be bogus, he should be able to prove it was not him. Even if they got HIS credit card number, he should be able to dispute those charges that are not his, especially if they went to a different address, or were charged someplace (like another city) where he was not present at that time. OTOH, if they created a DEBIT card that was linked to his bank account somehow, well then, that could be a lot more difficult to recover from, but even then, if it's not his signature that was used to apply for the card, or on any charges that had to be signed for etc, he should be able to dispute it and get the bank to put the money back in his account since it will be a case of forgery etc. The big problem with ID theft is people tend to ruin your credit rating, and you end up having to fend off bill collectors etc. The primary thing it costs you (speaking from experience of having checks stolen and forged using a fake drivers license) is the TIME and hassle of getting everything straightened out and put right. In my case it took a few hours at the credit union, and all the money was back, in a new account (the old one having been closed) when I left. Dealing with all the poor merchants that were taken, and with bill collectors on the other hand took months. but I never once in the process needed 'quick money' from anyone. So the need for 'quick money' seems a bit doubtful. I'd want a lot more details of exactly why he needs money from you. Refer your friend to this Federal Trade Commission site and make sure he takes the steps listed, and especially pays attention to the parts about keeping notes of every single person he talks with, including name, date, time, and pertinent details of the conversation. If he has some idea HOW this happened (as in a robbery) then report it to the proper authorities, and insist on getting a case number. talking with bill collectors is the worst, just trying to get ahold of them when they send you letters (and talk to a person, not a recorded number with instructions on how to pay them) is sometimes nearly impossible (google was my friend) and a lot of times they didn't want to back off till I gave them the case number with the police, that somehow magically made it 'real' to them and not just my telling them a story.


>Here's the real scoop - I would hire more people and buy more inventory and put more into capital investment if I paid less taxes, You would do so if there was money to be made doing so. It's as simple as that. Corporate Taxes are on net income. If hiring one more person contributed further to your bottom line you'd do so. That is the only thing that drives you. If the incremental cost of the hire is lower than the increased revenue. Period. Corporate taxes are on net income. Meaning you're still going to get more money, you're just going to get a little less of that incremental income growth than you thought. You'll still hire.


"Gnucash is first and foremost just a general ledger system. It tracks money in accounts, and lets you make transactions to transfer money between the accounts, but it has no inherent concept of things like taxes. This gives you a large amount of flexibility to organize your account hierarchy the way you want, but also means that it sometimes can take a while to figure out what account hierarchy you want. The idea is that you keep track of where you get money from (the Income accounts), what you have as a result (the Asset accounts), and then track what you spent the money on (the Expense accounts). It sounds like you primarily think of expenses as each being for a particular property, so I think you want to use that as the basis of your hierarchy. You probably want something like this (obviously I'm making up the specifics): Now, when running transaction reports or income/expense reports, you can filter to the accounts (and subaccounts) of each property to get a report specific to that property. You mention that you also sometimes want to run a report on ""all gas expenses, regardless of property"", and that's a bit more annoying to do. You can run the report, and when selecting accounts you have to select all the Gas accounts individually. It sounds like you're really looking for a way to have each transaction classified in some kind of two-axis system, but the way a general ledger works is that it's just a tree, so you need to pick just one ""primary"" axis to organize your accounts by."


How much should my down payment be? Ideally 20% of the purchase price because with 20% of the purchase price, you don't have to pay a costly private mortgage insurance (PMI). If you don't have 20% down and come across a good property to purchase, it is still a good idea to go forward with purchasing with what you are comfortable with, because renting long term is generally never a good idea if you want to build wealth and become financially independent. How much should I keep in my emergency fund? People say 3-12 months of living expenses. Keep in mind though, in most cases, if you lose your job, you are entitled to unemployment benefits from the government. How long should my mortgage be? 30 year amortization is the best. You can always opt to pay more each month. But having that leverage with a 30 year loan can allow you to invest your savings in other opportunities, which can yield more than mortgage interest. Best of luck!


"This is the best tl;dr I could make, [original](http://www.housingfinance.com/news/us-losing-low-rent-units_o) reduced by 88%. (I'm a bot) ***** > The lower end of the rental housing market continues to lose ground, according to the new The State of the Nation&#039;s Housing report by the Joint Center for Housing Studies of Harvard University. > In examining the threats to the affordable housing supply, the report finds that housing created under the low-income housing tax credit is a concern. > Looking ahead, being intentional and being committed about developing affordable housing will be critical to addressing the rental housing crisis, said Terri Ludwig, president and CEO of Enterprise Community Partners, during a webcast held to discuss the report&#039;s findings. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6hw6os/us_losing_lowrent_units_despite_a_slight/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~146856 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **housing**^#1 **rent**^#2 **units**^#3 **more**^#4 **households**^#5"


"Time to learn how accounting works! When a company loses money, it does not pay taxes. Just throwing numbers out, but suppose GE earned - $10 billion (that's a negative) in 2009. If in 2010 it earned $5 billion, it would not pay any taxes. It wouldn't pay taxes until it got back to even. Tax refund is nonsense. It is a tax asset, which is reported as ""income"" when it is recognized on the books. So when GE recognized its ""$3.4 billion tax refund,"" it was actually noting that it would not have to pay cash taxes until it made enough to generate a tax burden over and beyond $3.4 billion."


"This does not directly address the question, but how the Bank views your behaviour is not the same as a credit reporting bureau. If you do not ""go deep"" on your card at all, you may be deemed not to be exercising the facility, indeed they may ask you to reduce your credit limit. This is not the same as ""missing a payment"". At the same time, do not just make the minimum payment. Ideally you should clear it within 3 months. Think of it as a very short term line of credit. Not clearing the balance within three months (or turning it over) demonstrates a cash flow problem, as does clearing it from another card. Some banks call this ""kite flying"" after similar behaviour in older days with cheque accounts. If you use the credit and show you can pay it off, you should never need to ask for a credit increase, it will be offered. The Bureau will be informed of these offers. Also, depending upon how much the bank trusts you, the Bureau may see a ""monthly"" periodic credit review, which is good if you have no delinquencies. Amex does this as a rule."


"They didn't have to call it ""pink slime"" to turn my stomach. ""Waste trimmings"" and ""ammonia wash"" are all that's needed...which are both factual descriptions. BPI took such a hard hit because they showed the world that they're the type of company willing to sell people really nasty shit just to make a buck (in my opinion)."


"Seattle is one of the fastest growing city in the USA http://www.king5.com/news/local/seattle/seattles-population-growth-leads-nation-report/442879395, and increases than 1,000 people per week on average in 2017. Hardly ""everyone is escaping""... And it's way more than Amazon: the tech sector in Seattle has added more than 100 companies in a few years, some very big, and has created a real alternative to Silicon Valley for a lot of engineers (as in: once you are in Seattle, you have a lot of choices now. In the past it was either Microsoft or Amazon, now it's at least 5-10 big companies like Facebook and Google, plus a lot of mid-size ones and a variety of startups) It's true that most of that growth is in the high end and that causes real problems everywhere, forcing some people to live"


"Some generalizations with a bit of truth: - The parents of the Greatest Generation used consumer products when they had to. - The Greatest Generation used consumer products to feel as good as (or better than) everyone else. - The Baby Boomers used consumer products to ""be"" themselves. - Generation X used alternative consumer products to feel different from (or better than) everyone else. - Millennials use consumer products when they have to."


IIRC correctly there was a report posted to reddit recently that Teslas are the most popular seller in Norway, which has incentives for the first 50,000 buyers of EVs. They sold 1,493 in one month, which equates to almost 18,000 in the next 12 months in Norway alone.


If you consider what happened to iraq and libya, they are correct. Lose nuclear weapons is an invitation to be bombed by the US, UK and so on. The Ukranians decided to get rid of theirs, do you think they're happy with that decision?


No credit card company would ever give a card with either no credit limit or that was not in credit (for prepaid cards) because they would earn no money from it. The company's income is entirely derived from fees that they charge you for balances and interest on those balances so a 0 limit card would be worthless to them. Getting a prepaid card and letting the balance hit 0 might be a way around this but the fees that you will be charged , and will become a debt in your name, when the billing system tries to take the first paid month's cost from the card and fails will be exorbitant. They may go so far as dwarfing the actual cost but the one thing that they will certainly do is lower your credit rating so this is not a good idea.


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Enron did a wide range of dodgy financial accounting, using tricks to severely mis-represent their financial situation. They then used these doctored accounts to fool lenders and stock-buyers that the company had more money, and fewer debts or problems, than it really had. Eventually they ran out of money and went bankrupt, leaving the lenders and stock-buyers with nothing.


I was too. My fiance is an international student and for a while we were really concerned about the implications of a Trump presidency on her getting a visa. I aired my grievances on T_D and was banned. What I've come to understand is that citizenship is a privilege, not a right. As part of the research I took part in while getting my Economics degree, we established mass immigration as a large, significant causal factor in the immergence of the income stagnation and the resulting rise of consumer debt levels and financial innovation that lead the the '09 crisis. The issue with T_D is the massive brigading and threats users and mods get. T_D would be a non-stop dumping ground of concern trolling and leftist hatred if the policies they have in place now were not in effect. That being said, I myself am proof that the policies and the mods that enforce them are much more forgiving than most subs on on this site. Try /r/askthe_donald


In my experience, Millennial's fundamentally distrust the the efficiency and efficacy of most of what is marketed in the modern economy. By the time you take the investors, marketers, and executive cut out of a modern product sale, there is simply nothing left to actually deliver a quality product, thus cheap, intentionally faulty shit is sold instead as a planned obsolescent solution. The generations raised under television as the pinnacle of marketing are _utterly oblivious_ to this form of silent inflation around them, but their kids notice how futile and wasteful their 'constantly repurchase the same substandard shit' consumer culture has become. And they're doing everything they can not to participate, because being manipulated to buy bullshit resembling historic products that were actually functional sucks.


I use xoom.com to transfer money to India. I've been using them for over 2 years now, they are the fastest and the cheapest for me (the funds are usually available the same day). They seem to have added a lot of European countries to their list. Definitely worth a shot.


I bought 1000 shares of a $10 stock. When it doubled, I sold half, no need to be greedy. I watched the shares split 2 for one, and sold as it doubled and doubled again. In the end, I had $50,000 in cash pulled out and still had 100 shares. The shares are now worth $84K since they split 7 for one and trade near $120. Had I just kept the shares till now, no sales, I'd have 14,000 shares of Apple worth $1.68M dollars. $130K for an initial $10,000 investment is nothing to complain about, but yes, taking a profit can be the wrong thing. 25%? Was that all the potential the company had? There's one question to ask, not where is the price today compared to last year or two years ago, but what are the company's prospects. Is the reason I bought them still valid? Look at your investment each quarter as if you were making the decision that day. I agree, diversification is important, so the choice is only hold or sell, not to buy more of a good company, because there are others out there, and the one sane thing Cramer says that everyone should adhere to is to not put your eggs in one basket.


No, there is no special leniency given to first time tax payers. In general, this shouldn't be an issue. The IRS collects your taxes out of every one of your paychecks throughout the entire year in what is called a Withholding Tax. The amount that the IRS withholds is calculated on your W-4 Form that you file with your employer whenever you take a new job. The form helps you calculate the right number of allowances to claim (usually this is the number of personal exemptions, but depending upon if you work a second job, are married and your spouse works, or if you itemize, the number of allowances can be increased. WITHHOLDING TAX Withholding tax (also known as “payroll withholding”) is essentially income tax that is withheld from your wages and sent directly to the IRS by your employer. In other words, it’s like a credit against the income taxes that you must pay for the year. By subtracting this money from each paycheck that you receive, the IRS is basically withholding your anticipated tax payment as you earn it. In general, most people overestimate their tax liability. This is bad for them, because they have essentially given the IRS an interest free loan (and weren't able to use the money to earn interest themselves.) I haven't heard of any program targeted at first time tax payers to tell them to file a return, but considering that most tax payers overpay they should or they are giving the government a free grant.


Is your name on the title at all? You may have (slightly) more leverage in that case, but co-signing any loans is not a good idea, even for a friend or relative. As this article notes: Generally, co-signing refers to financing, not ownership. If the primary accountholder fails to make payments on the loan or the retail installment sales contract (a type of auto financing dealers sell), the co-signer is responsible for those payments, or their credit will suffer. Even if the co-signer makes the payments, they’re still not the owner if their name isn’t on the title. The Consumer Finance Protection Bureau (CFPB) notes: If you co-sign a loan, you are legally obligated to repay the loan in full. Co-signing a loan does not mean serving as a character reference for someone else. When you co-sign, you promise to pay the loan yourself. It means that you risk having to repay any missed payments immediately. If the borrower defaults on the loan, the creditor can use the same collection methods against you that can be used against the borrower such as demanding that you repay the entire loan yourself, suing you, and garnishing your wages or bank accounts after a judgment. Your credit score(s) may be impacted by any late payments or defaults. Co-signing an auto loan does not mean you have any right to the vehicle, it just means that you have agreed to become obligated to repay the amount of the loan. So make sure you can afford to pay this debt if the borrower cannot. Per this article and this loan.com article, options to remove your name from co-signing include: If you're name isn't on the title, you'll have to convince your ex-boyfriend and the bank to have you removed as the co-signer, but from your brief description above, it doesn't seem that your ex is going to be cooperative. Unfortunately, as the co-signer and guarantor of the loan, you're legally responsible for making the payments if he doesn't. Not making the payments could ruin your credit as well. One final option to consider is bankruptcy. Bankruptcy is a drastic option, and you'll have to weigh whether the disruption to your credit and financial life will be worth it versus repaying the balance of that auto loan. Per this post: Another not so pretty option is bankruptcy. This is an extreme route, and in some instances may not even guarantee a name-removal from the loan. Your best bet is to contact a lawyer or other source of legal help to review your options on how to proceed with this issue.


There is no collective hive mind on reddit. There's just occasional mobs, and semi-anonymised individuals. This very thread disproves that, since the redditors here are complaining about the actions of others. The whole metaphor is crap anyway. Unless it's a very schizophrenic hivemind, with multiple personalities and capable of expressing them simultaneously. You know it's just because you have unpopular opinions, or say a lot of stupid stuff like above, that gets you down-voted (btw it's generally the latter, but being a bit of an arse like I am can also get some down votes as well). Get over it and join a different sub-reddit where you can find some like -minded people with whom you can form your own hive mind.


"Yeah, it can suck some times when my friends want to go out, but for the most part it isn't that bad. When economists talk about consumers cutting back on spending, though, I just think ""Of course they are, what other choice is there?"" Cutting back we're doing okay but if we started blowing money by going out a lot or buying the latest gadgets or whatever, we'd be in trouble."


"For the first part of your question; Refer to related question Why do some online stores not ask for the 3-digit code on the back of my credit card? The other case of Airport ticket machines, requires the physical presence of card. The assumption is that if you had the card before and after the transaction, it was you who used it for transaction. As the amounts are small its really easy by anyone [merchant, Banks] to write this off. The only way to misuse would be if you lost the card and someone used it. Also these ticket machines would have built in feature where by you cannot buy more than ""X"" tickets for the day. Ensuring max loss on a stolen card is limited to a small amount."


In general I'd say, yeah, if you can pay cash, pay cash. If you pay cash, then by definition you pay zero interest. If you get a loan, you'll pay interest. Most people get a loan to buy a car because they don't have the cash. Possible reasons not to pay cash when you could: One: Technically you can pay cash, but if you did, you would have little or no reserve for emergencies. Like if the car costs, say, $20,000.00, and you have $20,010.00 in your bank account, then technically you could afford to pay cash, but you probably shouldn't, because you don't want to have just $10 left. What if tomorrow something comes up? Two: Arguably, you have a place to invest money that pays more than the interest on the loan. Like say you can get a car loan for, whatever the going rate is today, say 6%. And you know a place to invest your money that is very safe and almost guaranteed to pay 10%. It would make sense to borrow to buy the car, invest the cash, and then withdraw money from the investment to make the payments on the car. You'd end up 4% ahead. There are a lot of catches to that strategy, though. The biggest is that the more the investment pays, the more likely that it is risky. If you thought the investment would pay 10% but it ends up paying only 4%, then you will lose money by this strategy. Also, there's the psychological element: Many people SAY and fully INTEND to invest their money, but then find other things they want to buy and so spend it instead. If you pay cash, you're committed.