Edit: I'm going to restate my original point without calling attention to charity being considered squandering because I feel it takes away from what I was trying to say. I wanted to leave this here though, because I think the statistics that show wealth is squandered by the third generation include people who chose to give their fortune away. It's also worth noting that for future generations to maintain a fortune, there needs to be an unbroken chain of people who decided *not* to give it away.


I like when I get told about something last minute, scamper like mad to get it done ASAP, and then get yelled at for holding things up. I threaten to hold them to our review cycle process which calls for 4-7 business days.


"No. And furthermore, canceling based on insider information is not considered insider trading. SEC Interpretation from October of 2000: (a) Does the act of terminating a plan while aware of material nonpublic information result in liability under Section 10(b) and Rule 10b-5? No. Section 10(b) and Rule 10b-5 apply ""in connection with the purchase or sale of any security."" Thus, a purchase or sale of a security must be present for liability to attach. See Blue Chip Stamps v. Manor Drug Stores, 421 U.S. 723 (1975). [link mine] A 10b5-2 is a rule in the SEC's section in federal law that governs trading on ""material nonpublic information."" Fried (2002) even concluded that: The SEC's safe harbour permitting insiders to buy or sell shares pursuant to prearranged trading plans while in possession of material nonpublic information and to cancel the plans while aware of material nonpublic information enables insiders to profit from their access to such information. The SEC could easily eliminate insider's advantages over public shareholders by not allowing insiders to cancel their plans after becoming aware of material nonpublic information."


Semm Co is one of the leading chocolate machine distributors in China. Chocolate melting machine melts the chocolate using either the microwave oven or a double boiler. You will not want this kind of chocolate as it will clog and damage the machine. Measure just the right amount of chocolate and melt it according to package instructions so you will have a smooth consistency each time. A perfectly melted chocolate will have the best liquid curtain without any clumps.


No you won't. Germany taxes income, not bank accounts. Note that this changes immediately when your bank account makes interest - you will owe taxes on this interest. However, chances are you won't get a bank account. Without residency or income, typically the banks wouldn't give you an account. Feel free to try, though.


"Actually, this quote is bogus. It is from a book (Web of Debt by Ellen Brown). Even Brown herself now acknowledges this fact: Chapter 7, #20 at http://webofdebt.wordpress.com/questions-and-answers/response-to-gary-north/response-to-gary-north-2/ From Brown: ""A bogus quote from Garfield on the control over money. I was already alerted to that. Garfield is no longer mentioned in my book."""


"Generally, ETFs work on the basis that there exists a pair of values that can be taken at any moment in time: A Net Asset Value of each share in the fund and a trading market price of each share in the fund. It may help to picture these in baskets of about 50,000 shares for the creation/redemption process. If the NAV is greater than the market price, then arbitrageurs will buy up shares at the market price and do an ""in-kind"" transaction that will be worth the NAV value that the arbitrageurs could turn around and sell for an immediate profit. If the market price is greater than the NAV, then the arbitrageurs will buy up the underlying securities that can be exchanged ""in-kind"" for shares in the fund that can then be sold on the market for an immediate profit. What is the ETF Creation/Redemption Mechanism? would be a source on this though I imagine there are others. Now, in the case of VXX, there is something to be said for how much trading is being done and what impact this can have. From a July 8, 2013 Yahoo Finance article: At big option trade in the iPath S&P 500 VIX Short-Term Futures Note is looking for another jump in volatility. More than 250,000 VXX options have already traded, twice its daily average over the last month. optionMONSTER systems show that a trader bought 13,298 August 26 calls for the ask price of $0.24 in volume that was 6 times the strike's previous open interest, clearly indicating new activity. Now the total returns of the ETF are a combination of changes in share price plus what happens with the distributions which could be held as cash or reinvested to purchase more shares."


Well there is certainly a debate to be had about the effect of unions, free riders, and laws forcing unions to cover nonmembers. But the question at hand is a legal one. Can the employee be forced to pay dues to a union as a condition of employment?


"First piece of advice: fire your agent. A pushy agent is a bad agent. From what you've told us, he's actually given you poor advice regarding mortgage interest rates. Rates are already at historic lows. That and the precarious state of the world economy mean that further rate cuts are more likely in the near term. Second piece of advice: While more information on the real estate market you're in would help, going in at asking price is rarely a good idea. Sale prices from ""the last few years"" are not relevant to what you should pay, because the last few years include a financial crisis caused in large part by the bursting of a housing bubble. They could be even less relevant depending on your location because of a spike in foreclosures in certain areas of the U.S. There was already a ton of housing inventory before, so an increase due to foreclosures is going to depress prices further. Now that banks are finally practicing the due diligence they should have been all along, your ability to be pre-approved for large mortgage amount puts you in a strong position. Use a tool like Zillow or Redfin to see what properties in that area have sold for over the past six months. You should also be able to see a history of what prices the particular property you're interested in has been offered and/or sold at in the past. Also check and see how long the particular property you're interested in has been on the market. If it's been on the market more than 60-90 days, it's priced too high."


This is what they're talking about. (Edit, sorry. Yeah, that's an anti cancer treatment, nasty side effects too) ALEMTUZUMAB or MabCampath (Sanofi-Aventis) Prescription only medicine. Anti-lymphocyte monoclonal antibody. Concentrate for intravenous infusion, alemtuzumab 30 mg/mL, net price 1-mL vial = £264.11 Indications see notes below Cautions see notes below—for full details consult product literature Contra-indications for full details consult product literature Pregnancy avoid; use effective contraception during and for 6 months after treatment in men or women Breast-feeding avoid breast-feeding during treatment and for at least 4 weeks after administration Side-effects see notes below—for full details (including monitoring and management of side-effects) consult product literature Dose Consult product literature Rituximab causes lysis of B lymphocytes. It is licensed for the treatment of chemotherapy-resistant or relapsed stage III–IV follicular non-Hodgkin's lymphoma and, in combination with other chemotherapy, for previously untreated stage III–IV follicular lymphoma, and for previously untreated or relapsed chronic lymphocytic leukaemia (see NICE guidance below). Rituximab is also licensed for maintenance therapy in patients with follicular non-Hodgkin's lymphoma that has responded to induction therapy (see NICE guidance below). It is also licensed for use in combination with other chemotherapy for the treatment of diffuse large B-cell non-Hodgkin's lymphoma (see NICE guidance below). Full resuscitation facilities should be at hand and as with other cytotoxics, treatment should be undertaken under the close supervision of a specialist. See section 10.1.3 for the role of rituximab in rheumatoid arthritis. Rituximab should be used with caution in patients receiving cardiotoxic chemotherapy or with a history of cardiovascular disease because exacerbation of angina, arrhythmia, and heart failure have been reported. Transient hypotension occurs frequently during infusion and antihypertensives may need to be withheld for 12 hours before infusion. Progressive multifocal leucoencephalopathy (which is usually fatal or causes severe disability) has been reported in association with rituximab; patients should be monitored for cognitive, neurological, or psychiatric signs and symptoms. If progressive multifocal leucoencephalopathy is suspected, suspend treatment until it has been excluded. Infusion-related side-effects (including cytokine release syndrome) are reported commonly with anti-lymphocyte monoclonal antibodies and occur predominantly during the first infusion; they include fever and chills, nausea and vomiting, allergic reactions (such as rash, pruritus, angioedema, bronchospasm and dyspnoea), flushing and tumour pain. Patients should be given paracetamol and an antihistamine before each dose of anti-lymphocyte monoclonal antibodies to reduce these effects. Premedication with a corticosteroid should also be considered. The infusion may have to be stopped temporarily and the infusion-related effects treated—consult product literature for appropriate management. Evidence of pulmonary infiltration and features of tumour lysis syndrome should be sought if infusion-related effects occur. Fatalities following severe cytokine release syndrome (characterised by severe dyspnoea) and associated with features of tumour lysis syndrome have occurred after infusions of anti-lymphocyte monoclonal antibodies. Patients with a high tumour burden as well as those with pulmonary insufficiency or infiltration are at increased risk and should be monitored very closely (and a slower rate of infusion considered).


facebook game craze wanes? this had everything to do with the california online poker bill that zynga had been betting on so hard. weird how it fell off a cliff starting monday and news on the bill came through mid day today.... ah yes, it must have just been the analyst downgrade though, nothing to see here


As mhoran_psprep and others have already said, it sounds like the sale is concluded and your son has no obligation to return the car or pay a dime more. The only case in which your son should consider returning the car is if it works in his favor--for example, if he is able to secure a similar bargain on a different car and the current dealer buys the current car back from your son at a loss. If the dealer wants to buy the car back, your son should first get them to agree to cover any fees already incurred by your son. After that, he should negotiate that the dealer split the remaining difference with him. Suppose the dealership gave a $3000 discount, and your son paid $1000 in title transfer, registration, and any other fees such as a cashier's check or tax, if applicable. The remaining difference is $2000. Your son should get half that. In this scenario, the dealer only loses half as much money, and your son gains $1000 for his trouble.


ML is a brokerage firm. Tell them to sell. If you can't or don't know how to do it on-line - call them and do it over the phone. Your citizenship might come in effect when tax are withheld, you need to fill form W8-BEN if you haven't done so yet. If US taxes are withheld, you can file 1040NR to request refund, or get it credited against your local tax liabilities.


Short answer: yes, you can put up collateral for someone else's loan. The bank will be happy to take your money, give it to the other person, and return it to you on completion of the loan (keeping the interest the security makes on the money market and the interest they're charging the other person for themselves). If the above doesn't sound very appealing (you don't see any benefit from your investment, and can be left holding the bag if your friend defaults on their loan), it really isn't a great way to spend your money. However, as assistance to someone else, it provides several advantages over directly transferring the money:


"Yeah not anymore. Also I urge anybody who has been in their career for a while to try out an inflation calculator on the internet. It can be a bit eye opening. I remember around 2002 when I was getting close to the end of school and talking to people ahead in my career. The figure ""80k"" was mentioned a lot for people who worked hard and stuck it out etc... I was excited about that. It sounded magical and unatainable. I thought it would be cool to achieve that by my 30s. 80k is now like 112 (buying power conversion). edit : BTW in my industry/career the 75-90 range is still talked about like the 80 was back then. Though a lot of senior pros are easily 6 figures."


If you are looking for some novel food then it would mean that you are someone who loves to eat. So, if you want to experiment with your love for food then all you must do is check out what kind of options are available in this field.


"Ikke Kjøp en tech enhet bare som en ny versjon kommer ut, David Pogue sier. Som ikke ønsker å spare [penger](https://www.bostonglobe.com/business/2014/07/30/money-saving-tips-plentiful-small-changes-add/zilpKLd85FzLTFEM2v1N0J/story.html)? Du har sikkert hørt grunnleggende [pengebesparende råd](http://dymanassociatesinsurance.com/), slike som aldri kjøpe dyre produkter på impuls. Vent en dag eller to og mull det over. Så er det gamle standby spissen: sette til side småpenger fra lommeboken eller lomme hver dag. Ved hastighet på 50 cent en dag, ville du ha en liten nødsituasjon fond på $182.50 i året. Men gjør liten changes kan legge opp, for AARPS femte årlige '' 99 flotte måter å lagre,'' publisert denne måneden i AARP Bulletin, gir noen interessante tips fra eksperter på oppussing, [finans](https://www.facebook.com/dymanassociatesinsurance), mat og mer. For å se alle 99 måter å lagre, gå til aarp.org og søk etter ""99 flotte måter å spare."" Selv om du har hørt dem før, det er godt å bli minnet hvor lite innsats noen lagring tips ta. Oppussing ekspert **Bob Vila**’s inkludere: -Trekk ut det! '' Vampyr '' elektronikk bruker strøm selv når avslått. Et typisk hushold kan spare $100 i året med smart grenuttak, som kuttet elektrisitet til enheter i standby-modus. -Installere en lav-flow showerhead. Du merke ikke engang forskjellen, Vila sier, fordi en lav-flow fixture reduserer volumet av vann, men påvirker ikke vanntrykket. Yahoo Tech grunnleggeren **David Pogue** tilbyr disse tipsene: -Lære når nye miniprogrammer kommer ut, slik at du ikke kjøper noe like før det er gjort foreldet. Generelt, en ny iPhone modell debuterer September, og en ny iPad hvert November. Nye kameraene kommer i februar og oktober, og alt annet er tidsbestemt til jul. -Vurdere en forhåndsbetalt mobiltelefon. Du betale før du gjør samtaler, i stedet for etter at du har gjort dem. -Snakk med langt unna familie bruker et program som Skype, som er tilgjengelig for smartphones, tabletter, og datamaskiner eller FaceTime, for Apple telefoner, tabletter og datamaskiner. Du chatte gratis over Internett. **Jean Chatzky**, AARP finansielle ambassadør sier: -Shoppe rundt for forsikring. Auto forsikringsselskaper har en taktikk kalt '' pris optimalisering.'' De heve bonuser basert ikke på din risikofaktor, men på hvor mye av en økning de tror du vil akseptere. Når det er på tide å fornye, be gjeldende selskapet å gjøre det bedre. -Du kan få kreditt score gratis på creditkarma.com og credit.com. -I hvilken alder bør du begynne å samle trygd? Det magiske tallet er 80. Hvis du er singel og du tror du vil leve forbi, vente til alder av 70 å begynne å samle, å få maksimalt utbytte. For par, så lenge du tror dere lever forbi 80, den høyere earner skal den vente så lenge som mulig. Tips fra **Holly Phillips**, indremedisiner og medisinsk bidragsyter for CBS News: -Bytt til generiske legemidler. Prisen er vanligvis nederst, samt copay. -Ikke røyk. Sigarett røykerne betale mer for forsikring og krever mer medisiner og leger besøk. Sigarettrøyking koster USA til $333 milliarder årlig, inkludert minst $130 milliarder i helsevesenet koster. -Spør om uavhengige anlegg for radiologiske tester. Å ha en MRI på et sykehus koster $1200, men den samme fremgangsmåten til uavhengige anlegg kostnader omtrent halvparten som. -Dra nytte av velvære og fordelene. Mange arbeidsgivere tilbyr insentiver for deltakelse i trening og andre helse-programmer. Forsikringsselskapene kan tilby en betaling til de med gym medlemsskap. -Ta medisiner regelmessig. Mange kostbare sykehusbesøk er for forhold (som astma eller høyt blodtrykk) drevet med medisiner til de forverret når pasientene hoppet doser. Tips fra **Samantha Brown**, AARPS reise ambassadør: -For billigere flyreiser, se til tidligste og seneste flyreiser av dagen. -For helgen reise, opphold i [et forretningshotell](http://dymanassocins.livejournal.com/). Veien krigere er borte, og så er de høye prisene. Disse hotellene vil være i forretningsdistriktet, som ikke alltid den mest pulserende delen av byen. Men det er en liten avveining hvis du gett en god avtale. -Unngå konvensjoner. Byer som Washington, Las Vegas og Orlando har beste hotellpriser når konvensjoner ikke i byen. Sjekk ut byens offisielle turisme nettsted under konvensjonen kalender til å oppdage den beste tiden for et besøk. -Hode ski skianlegg i sommer og strand steder i slutten av August eller begynnelsen av September. -Hvis hotellpriser skyhøye, er det ofte billigere alternativer. Vurdere å finne et rom på nettsteder som homeaway.com og airbnb.com; du betaler mindre og føler en lokal."


"You mean ""offshoring"" I heard this in the Presidential debate also, Every source I could find said that companies would get about 3/4 of the expense of offshoring written off. Meaning If it would cost me 100 dollars to move a factory to China after I payed taxes It would only cost me 25 dollars. I was not 100 percent on the credibly of these sources so I would recommend doing your own research."


"Wait...what? Do you live in backwards land? They've let free market reign in healthcare that is why prices are through the roof. The healthcare industry is immune to antitrust, and negotiating with government programs. There is no such thing as ""preventing single payer programs......it only works if there is a SINGLE overriding singlepayer program (yes they wont pass it), anything else doesnt over come the problems of a fractured buying pool. Things they legislate is ""No negotiating policy"" ....and no."


I quite like the Canadian Couch Potato which provides useful information targeted at investors in Canada. They specifically provide some model portfolios. Canadian Couch Potato generally suggests investing in indexed ETFs or mutual funds made up of four components. One ETF or mutual fund tracking Canadian bonds, another tracking Canadian stocks, a third tracking US stocks, and a fourth tracking international stocks. I personally add a REIT ETF (BMO Equal Weight REITs Index ETF, ZRE), but that may complicate things too much for your liking. Canadian Couch Potato specifically recommends the Tangerine Streetwise Portfolio if you are looking for something particularly easy, though the Management Expense Ratio is rather high for my liking. Anyway, the website provides specific suggestions, whether you are looking for a single mutual fund, multiple mutual funds, or prefer ETFs. From personal experience, Tangerine's offerings are very, very simple and far cheaper than the 2.5% you are quoting. I currently use TD's e-series funds and spend only a few minutes a year rebalancing. There are a number of good ETFs available if you want to lower your overhead further, though Canadians don't get quite the deals available in the U.S. Still, you shouldn't be paying anything remotely close to 2.5%. Also, beware of tax implications; the website has several articles that cover these in detail.


IMHO you are in no position to buy a home. If it was me, I'd payoff the student loans, pay off the car, get those credit card balances to zero (and keep them there), and save up at least 10K (as an emergency fund) before even considering buying a home. Right now you have no wiggle room. A relatively minor issue with a purchased home can send you right back into trouble financially. You may be eager to buy, but your finances say different. Take some time to get your finances on track then think about buying. You can make a really good long term financial decision with no risk: pay off those credit cards and keep them paid off. That is a much smarter decision then buying a home at this point in your life.


The US is giving up on Russia and forfeiting the place to China. Obama's trying to make it sound like no big deal. Good businessmen won't let politics get in the way. Various European nations, like Switzerland and the Czech Republic are not going along with the herd and others will predictably drop out.


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"> First off, that isn't today's version of socialism or anything like it. Today's version of socialism is democratic socialism as seen in Scandinavia to great affect. The idea that people have to give up the fruits of their labor to serve the ""greater good""? Just because people vote for it to happen doesn't mean it's not socialism. I can't say I'm a huge fan of the idea that I'll have more of my money taken based on voting patterns of the general public. The reason Scandinavia is doing so well is because of the free market systems they had before they went socialist (didn't work so hot for Venezuela), as well as their culture. There's a reason Denmark made a point to tell Bernie that they're not socialist. It's not sustainable. I'll use a source that is biased the other direction, since you seem to have a pretty hard reaction against anything right leaning. http://www.huffingtonpost.ca/michel-kellygagnon/denmark-not-socialist_b_9011652.html > Secondly, you may not read 4chan or fox but that phrase is being repeated ad nauseam on both sites as a way to push the narrative away from the racist hate that happened. Which means you're doing exactly what they want and becoming their parrot. Again, just because bad people say something, doesn't make it incorrect. Just as an aside, are you aware of the banning that happens in order to stifle dissent in the main subreddits? I'm not talking about the racist shitposters (and I'm definitely not denying that they exist, they do and should be downvoted accordingly), but there have been many instances of people being banned, which causes moderate conservatives (for what it's worth, I'm not a conservative) to avoid those subreddits in general. This has a snowball effect that keeps diversity of thought from existing in those places and makes it seem like everyone is on board with certain ideas. Then, when the larger society behaves differently, people are blindsided and scrambling for answers (usually the culprit will be decided as a mix of ""southerners"", ""morons/uneducated"", and ""bigots""). I've experienced that more than once when I used to push for democratic socialism."


Anyone here who is upset by this or disagrees with Marc's comments please name a country that's majority black and half as prosperous. A country that doesn't have extreme poverty or violence. It's rude to say these things out loud, I know, but it's stupid and hypocritical to not at least accept facts in your mind. ps - I'm not white. here is the father of genetics. http://www.independent.co.uk/news/science/fury-at-dna-pioneers-theory-africans-are-less-intelligent-than-westerners-394898.html


You shouldn't. The Dow has gained 7% annually on average since October 1915(inflation-adjusted). It has also lost 73% of its inflation-adjusted value from 1966 to 1982 meaning that it would have lost you 4.5% annually for 16 years. Furthermore, past performance is not indicative of future results. If stock markets keep performing like they have for the past 100 years, you can expect there will be a point within the next 60-or-so years your stocks will be higher in value than they were when you bought them. With funds you are paying the people managing them which means you are guaranteed to have pyramiding losses that your gains will have to offset. In your case, you are betting with no fundamental knowledge that S&P will be higher than now whenever you need the money which is not even supported by the above assumption. Dollar averaging just means you will be placing many bets which will reduce your expected losses(and your expected gains) when compared to just buying $100K worth of S&P right now. Whatever you invest in, and whatever your time-frame, don't gamble. If you can't say this company(ies) will be $X more valuable than now in X months with probability > Y, then you shouldn't be investing in it. Nobody ever made money by losing money. There are also safer investments than the stock market, like treasury bonds, even if the returns are lousy.


As a programmer*, I expect the ATM and counter receipts to have an error and look hard for it. If I don't find the error I usually cram it in my pocket which is the same as throwing it away. I should keep them, but I also look at my online balances for almost all of my accounts several times a week so I (perhaps foolishly) don't worry about paper receipts too much. *Maybe I should be a tester.


You cannot trade in pre-IPO shares of companies like Facebook without being an accredited investor. If a website or company doesn't mention that requirement, they are a scam. A legitimate market for private shares is SecondMarket.


"He sounds like a very bad salesman and I should know, because I was a sales manager at a bike shop which sold bikes from $200 to $10k. Now I had a clear goal, which is to sell as many bikes at the highest price possible, but I didn't do that by making customers uncomfortable. Each customer received different treatment depending on what they were looking for. For example, the $200 beach cruiser buyer was going to be told ""You look great on that bike... can I ring you up?"", whereas the racer interested in saving grams will receive a detailed discussion about his bike options. The $200 bike customer won't have very sophisticated questions (although I could give a lecture on cruisers), so giving out too much info complicates a likely quick impulse buy. On the other hand, we are building a relationship with the racer which will include detailed fitting sessions and time-consuming mechanical service. While I also want to close a high priced sale, it will take several visits to prove both I have the right bike and this is the best shop. But no matter what you were buying, I was always pleasant and unhurried, and my customers left happy. Specifically with this situation of high pressure tactics, the problem is the competition with internet sales. Often customers will have only 2 criteria, the model and the price, and if a shop does not meet both, the customer walks right out. Possibly this sales guy is a bit cynical with his tactics, but the reality is that if you have no relationship with that shop, you fall into the category of internet buyer. One thing the sales guy could have done was not tell you we wasn't going to honor this price if you came back. Occasionally there would be an internet buyer, and I showed no unpleasantness even though internet sellers could crush our brick and mortar shop. I would mention a competitive price and if he bought it, great, and if not, that's just business. As for the buyer, I would treat these tactics with a certain detachment. I would personally chuckle at his treatment and ask if I could kick the tires, an user car saying. I suppose the bottom line is if you are ready to buy this specific model, and if the price is right (and the shop is ethical so you won't get ripped off with garbage), then you have to be ready to buy on the spot. I will point out one horrible experience I had at a car dealership. I came in 15 minutes before closing and a sales person gave me a price almost a third cheaper than list. I wasn't ready to buy on my first visit ever to a dealership and of course, buying a car has all kinds of hidden fees. I asked will this be the price tomorrow, and he said absolutely not. I told him, ""so if I come in tomorrow morning, your dealer clock has only gone 15 minutes"" but that logic did not register with him. Maybe he thought I was going to spend 15k on the spot and pressure tactics would work on me. I never came back, but I did go another dealership and bought a car after a reasonable negotiation."


I think a simplified version of what you are asking is how much benefit you will receive from lower mortgage payments on your future $400k (roughly) home loan by having a higher credit score than now, and whether taking a car loan now will increase that benefit more than the value of the car loan. Since you already know the cost to you of the car loan, the other two thing you need to know in order to answer that question are: 1- the amount of increase a car loan gives your credit score, and 2- how much lower your mortgage interest rate will be with a higher credit score. Answering #1 seems like fuzzy credit magic to me that someone else may be able to answer, but #2 should be easy to determine by talking to a mortgage broker to see what rate you can get with your current credit score, and finding out how much higher it needs to be in order to get a better rate. Then you can take the difference in mortgage payments between the two rates and compare that to your car loan value.


Technical Analysis assumes that the only relevant number(s) regarding a security is (are) price (and price momentum, price patterns, price harmonics, price trends, price aberrations, etc.). Technical is all based on price. Technical is not based on any of the fundamentals. Technical Analysis is for traders (speculators) not for long term investors. A long term investor is more concerned with the dividend payment history and such similar data as he makes his money from the dividend payments not from the changes in price (because he buys and holds, not buy low sell high).


How do you find good quality dividend stocks? That is an easy one. Past performance has always been my key to this answer. also remember why you are investing in the first place. Do you want cash flow, security or capital growth. Also let's not forget... how much time do you want to devote to this venture. There is going to be a balance in your investing and your returns. More time in... the higher returns you get. As for finding good dividend stocks, look to the Dividend Aristocrats or the Dividend Contenders. These companies have consistently increased their payouts to their investors for years. There is a trading strategy that could escalate your returns. Dividend Capturing, simply put... You buy the stock before the ex-date and sell after date of record. Thus collecting a dividend and moving on to the next one. Warning: though this is a profitable strategy, it only works with certain stocks so do your research or find a good source.


">Correct me if I'm wrong, You're wrong. >but weren't taxes much higher from the 50's through the 70's? Only on the high end of the scale (the TOP tax rate was higher). But for lower and middle income people, taxes were tremendously LOWER in those decades, and became significantly higher, to wit: * [FICA increased from the original 1% in circa 1937-49, to over 15% in 1990](http://www.ssa.gov/oact/progdata/taxRates.html) -- and that is taken right out your GROSS paycheck, no deductions, etc. * Things like State Sales Taxes (which are known to be heavily regressive) were either non-existent or minimal (at say 1% and often more of a ""luxury"" tax) prior to the 1960's; and they have been steadily increasing since then. * Many other taxes (property, excise, tobacco & other ""sin"" taxes, etc) have increased (some many-fold) -- and virtually ALL of them are regressive in nature (being made more regressive with every increase). But probably the most egregious thing... is that the public has been successfully indoctrinated into believing the EXACT opposite of what really happened (and *both* political parties are to blame)."


Like for example I use transferwise to send $x to my dad's account in India, would it show my name as the depositor ? That would depend from bank to bank, it may or may not show your name. Would it be considered as income for my dad ? Assuming your parents are Indian Residents for tax purposes. No. It would be considered as Gift. Gifts between father and son are tax free in India and there is no limit. Any special care/precaution to take before using such services ? Not really. Just to be safe, keep a copy of the transfer instruction / details of debit to you account etc, so that if there is enquiry you have all the data handy. Edit: Clarifying the comment, if you are Resident Alien in US for tax purposes, you would be liable to Gift Tax [Not your parents as they are Indian Residents and would follow Indian tax rules]. As per IRS the liability of Gift tax is on Donor subject to limit of $14000 per year per Donee. So you and your wife can gift your father and mother $14000 each. i.e. $56000 each year. Anything more will be taxable or can be reduced from the overall estate limit.


There are a lot of outside considerations for why the grocery would be failing. What's her location relative to housing? Big chain stores? Small business competition? Location can make or break a brick and mortar business. (Do you mind pming a link to the site? There could be ways of increasing online sales.)


If you have your long positions established and are investing responsibly (assuming you know the risks and can accept them), the next step IMO is typically learning hedging - using options or option strategies to solidify positions. Collars (zero cost) and put options are a good place to start your education and they can be put to use to both speculate (what you are effectively doing with short-position trading) or long-term oriented edging. Day trading equites can be lucrative but it is a difficult game to play - learning options (while more complex on speculation) can provide opportunities to solidify positions. Options trading is difficult grounds. I just think the payoff long term to knowing options is much greater than day-trading tactics (because of versatility)


I've read a study about this. If you have twice the generation capacity in renewables (wind/solar) and can store 20% of your yearly consumption, then you are fine. So let's calculate this for the average americal household (4500kWh/year): * You need to be able to generate 9000kWh/year, this requires a 6kW solar installation (Arizona), estimated at $ 15'000. * You need to de able to store 1000kWh, this requires 70 Tesla powerwalls for $6000 each, grand total of $ 420'000. So even here, storage will kill you financially. References: * Study: http://euanmearns.com/the-quest-for-100-renewables-can-curtailment-replace-storage/ * Average US household consumption: http://www.nationmaster.com/country-info/stats/Energy/Electricity/Consumption-by-households-per-capita#2005 * Arizona solar example: https://solarpowerrocks.com/buying-solar/how-to-calculate-the-amount-of-kilowatt-hours-kwh-your-solar-panel-system-will-produce/


"Some 401k plans allow you to make ""supplemental post-tax contributions"". basically, once you hit the pre-tax contribution limit (17.5k$ in 2014), you are then allowed to contribute funds on a post-tax basis. Because of this timing, they are sometimes called ""spillover"" contributions. Usually, this option is advertised as a way of continuing to get company match even if you accidentally hit the pre-tax limit. But if you actually pay attention to your finances, it is instead a handy way to put away additional tax-advantaged money. That said, you would only want to use this option if you already maxed out your pre-tax and Roth options since you don't get the traditional tax break on contributions or the Roth tax break on the earnings. However, when you leave the company, you can transfer the post-tax money directly into a Roth IRA when you transfer the pre-tax money, match, and earnings into a traditional IRA."


A company is basically divided into shit the company owns (assets) and shit the company owes to people (liabilities). So what about ownership? Ownership is called equity and on a simplistic level equity = asset - liabilities. But a better view of that should be asset = liabilities + equity. Which means a company's assets is separated into things owned by debtors (e.g. Banks) and things owned by owners(founders and you). So when you are offered one percent, you are basically owning one percent of the company. Not the best explanation, but should be a simplified one. Here's where the options come in. When you are offered options. That means you have the option of redeeming the shares at a lower price than market. However these options are not usually immediately redeemable, there's usually a minimum amount of time you have to work at a company to be able to use these options. This period is called the vesting period.


To be fair the scarcity isn't artificial, the demand far outweighs the supply of tickets available when you're talking about big artists. They just sell at a lower rate than the demand would otherwise command so lower income fans of an artist still have a chance to see them. Still think it's bullshit.


If it is more convenient for you - sure, go ahead and create another account. Generally, when you give someone a check - the money is no longer yours. So according to the constructive receipt doctrine, you've paid, whether the check was cashed or not. The QB is reflecting the correct matter of things. It doesn't matter that you're cash-based, the money still laying on your account because you gave someone a check that hasn't been cashed - is not your money and shouldn't be reflected in your books as such.


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/view/articles/2017-09-01/america-s-superstar-companies-are-a-drag-on-growth) reduced by 91%. (I'm a bot) ***** > Anyway, as a result of this increased market power, the big superstar companies have been raising their prices and cutting their wages. > In the past few years, researchers have found that industrial concentration - measured by the market share of the four biggest companies in an industry - has indeed been increasing in most parts of the U.S. economy. > Basic theory suggests that when top companies get more market power, they invest less in their businesses as they restrict output and raise prices. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6xtfdw/americas_superstar_companies_are_a_drag_on_growth/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~203487 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*: **company**^#1 **more**^#2 **paper**^#3 **market**^#4 **increased**^#5"


I think the first step is to contact Carnival Investor Relations. They can give you information about what attempts they have made to pay dividends since the address has changed. There may be some hoops that you have to jump through to get the funds, but the simple answer is to call them and find out.


One possibility to consider would be making an arrangement with a registered UK charity where you would donate the necessary amount for the specific purpose of covering medical costs of that particular person. Charitable donations are expressly deductible from business profits. Some charities may be genuinely interested in helping people from developing countries get quality medical help that's not available in those countries. There may be some organizations in the proposed beneficiary's country that have contacts among the UK charities. PS. I am not a lawyer or an accountant, nor do I claim to be either. The above is not a legal or accounting advice. Consider seeking professional assistance.


Under no circumstances can a contract between A and B be binding on C unless C (guest) is also party to the contract. Nor would a contract be upheld if it required B to exercise control they cannot reasonably be expected to have over C. Cue lawsuit from angry brides.


There is indeed a market for single stock futures, and they have been trading on the OneChicago exchange since 2002. Futures are available in 12,509 individual stocks, according to the exchange's current product listing. One advantage they offer over trading the underlying stock is the significantly higher leverage that is available, combined with the lack of pattern day trader rules that apply to stocks and similar securities. Single stock futures have proven to be something of a regulatory challenge as it has been unclear whether their oversight is the remit of the SEC/FINRA or the CFTC/NFA.


> I'm a pleb and had healthcare before the Obamacare disaster. I'll bet that your company realized they could provide insurance cheaper if their employees used the exchanges. So they dropped their business plan and paid you additional money to buy your own through the ACA. You refused, pocketed the extra money, and now claim the ACA took your insurance.


"I'm not the same guy who you were replying to. I don't know why you're being so defensive. I just recognized you from the other thread, saw this, and thought I'd ask as that wouldn't be my expectation. I don't work in wealth management, so I was hoping to learn something new. I know people in WM with nothing near a physics degree, which is why I question the ""B could not have occurred"" statement."


"Your bank will undoubtedly charge you a fee for the ""chargeback"" and so while you will get your money back faster, you will likely end up with less than you would if you were not so impatient and just waited a few days for the refund to show up. I suppose it depends on whether you consider this a downside or not."


I agree with all of the answers, but knowing the amount of money saved will give new ideas to use this money to help develope new concepts that will help humanity.


I owned a restaurant for over 5 years. Sales tax was only collected on POST discount price, though every state that collects sales tax may have different laws regarding collection. For example, when a customer used a gift certificate, that did NOT reduce the amount that tax was collected on. Why? Because the restaurant at some point or another collected the full amount of the bill.


Interesting piece about Philippine, but there's still work to be done, especially from the state. As the [FT pointed out last week](http://blogs.ft.com/beyond-brics/2012/10/24/the-philippines-ready-for-business/#axzz2Aczv0yBy), one need 36 days to start a business and 16 different steps. That's 32 more days than in Indonesia and 13 more steps than in Malaysia. Considering the lack of resources, such a brake on entrepreneurship isn't really what Philippine needs.


"He's simply stating his profession. It's like an article saying ""Investment banker Bob Snyder allegedly scammed millions!"" (fake name) Yeah, Mr. Snyder *probably* wouldn't go by, ""Investment Banker Bob Snyder"". It just helps for the readers who have not heard of Mr. Snyder/Skrillex."


"Old question, but in the comments of the accepted answer, I believe Nate Eldredge is correct and littleadv is incorrect. Nate copied the actual quote from the IRS guidelines, quoted below: An expense is ordinary if it is common and accepted in your trade, business, or profession. An expense is necessary if it is appropriate and helpful to your business. An expense doesn't have to be required to be considered necessary. Noise cancelling headphones certainly count as ""appropriate and helpful to your business"" in the software industry, especially with the trend of open office layouts. And because of the ubiquitous distractions inherent in the aforementioned office space, noise cancelling headphones are becoming quite ""common and accepted"" for use by developers. I'd be more hesitant about the keyboard and monitor, as presumably the employer is providing those already. As using your own could be said to just be a personal preference over those provided, the argument that providing your own version is ""appropriate and helpful"" is a little more shaky. I am not a tax lawyer, so don't come after me if you get audited, but my guess from reading the actual IRS guidelines is noise cancelling headphones: probably, keyboard and monitor: maybe."


I am guessing that you don't understand that even a 100% tax bracket doesn't actually equal you paying 100% of your profits in taxes. This is why the use, while having a 35%messaging corporate tax rate, only sees less than 20% in an average effective corporate tax rate... In the same vein, if a company paid taxes on what profits were created within a countries borders, that would be a fairly accurate method of calculating every country's fair percent of revenue from that company and the amount of infrastructure that were utilized by that company within that country's borders. And it still wouldn't add up to anywhere near 100% of that company's net profits...


I have fairly simple tax returns and my experience was that TurboTax software produced roughly the same result as human accountant and costs much less. The accountant was never able to find any deductions that the program couldn't find. Of course, if you have business, etc. you probably need an accountant to help you navigate all the rules, requirements, etc. But for simple enough cases I found that the additional pay is not justified.


"There are only two things you can directly do with the money in an Amazon gift card: you can keep the gift card, or you can put the money into your Amazon account. There aren't any other options. You can't deposit the value into a bank account or anything like that. So, as far as safety, those are the only options you need to consider, because there's nothing else you can do. (Okay, there is one other thing you can do: you could sell the card to someone else, or barter it for something you want. But you can do that with anything.) The ""gift card"" is basicaly just a string of numbers and letters that you put into your Amazon account and it credits you with the appropriate amount of money. So yes, it can be stolen. If you haven't redeemed it yet, someone could find the code by hacking your email or looking over your shoulder or whatever. If they redeem it, you won't be able to do so. As for your edit: If I don't transfer the balance of the Amazon egift card to my Amazon account, can I transfer the balance to other accounts or use the card to buy other gift cards? If you don't transfer it to your account, you can transfer the balance to another account by giving the code to someone else and letting them deposit it in their account. You still won't be able to buy other gift cards with it, because you can't buy anything with it until it's deposited in an Amazon account, and once it's deposited in an Amazon account, you can't buy gift cards with it because of their policy. If you don't want the restrictions imposed by Amazon, don't buy Amazon gift cards; instead, just use your actual money to buy things. If you're worried about the cards being stolen, just deposit them into your account right away and you eliminate the risk of them being stolen. If, as you say, you bought the cards for yourself, there's no reason not to do this; presumably you bought them so you could buy things on Amazon, and you'll have to deposit them into your account eventually anyway to do that, so just put them in right away. I don't know specifically how Walmart cards work, but I assume they're the same. In general, anything called a ""gift card"" offered by a particular retailer works the same way: you can't do anything with it except buy products at that retailer. The only thing that really makes Amazon different is that the only way to use your card is to add the money to your Amazon account, because the only way to pay for things on Amazon is with an Amazon account. There's no way to spend just some of the value; you have to deposit it all into your account. With gift cards for retailers with physical locations, you can usually use the value up piecemeal, by actually going to a store and spending just enough to buy something. (I assume Walmart works this way, although I don't know if you can use an e-gift card this way there.)"


The laws about this changed in 2010 with the new Overdraft Protection Law HR 1261. § 140B. (c) Consumer consent opt-In.—A depository institution may charge overdraft coverage fees with respect to the use of an automatic teller machine or point of sale transaction only if the consumer has consented in writing, in electronic form, or in such other form as is permitted under regulations of the Bureau. Now when you sign up for a bank account you have to opt in to overdraft coverage (the bank transfers funds from other accounts to cover overdrafts), or overdraft protection (the bank simply bounces NSF checks). I'm pretty sure you could always set this option on your account, but banks were defaulting everyone's account that didn't think to ask such that overdrafts got paid and incurred fees. The law now prohibits them from using that as the default option.


1) get good grades 2) get into top school 3) continue getting good grades 4) get an interview and kill it 5) enjoy the fruits of your success with copious amounts of drinking to deal with the hours Done, and I don't even need to be a banker to tell you this


You know what? I'd love it if I could work a part-time job, but make the same salary (scaled down to the number of hours, obviously). I spend entirely too much time away from the things I'd rather be doing (family, hobbies, relaxing) in my 40 hour hell-hole. I'd much rather take a reasonable cut and work less. Basically, I don't need to get rich, but if I can live off of a reduced salary *and* work fewer hours I'd be a very happy man. Now... working part time and not earning enough to survive- that's not acceptable at all. I'd be willing to bet the vast majority of part-time jobs are this way.


I've been to one in Seattle. It's pretty much my favorite bookstore. Because they don't need to worry about inventory or profitability, they display all the books forwards, so you can see each book's front as you browse, rather than just the spine. And they have little review snippets under most of them. It's a great browsing experience. Of course, in the middle of the store there's a bunch of confused employees who think they're an Apple Store, but no bookstore is perfect. And getting all the books for Amazon's price is a big plus.


A Yen is like a penny. Buy a chocolate bar 100¥ or £1.00. Should the UK get rid of pennies and only price things to the pound?


"Interesting; England went ""chip & PIN"" years ago and Australia went ""chip & PIN"" today but I've never heard of EMV. I had to look it up to know what it was. The point of the switch is to reduce fraudulent transactions. The chip can't be copied as easily as the strip. That's all I know. Rally I just replied because I had not heard of EMV."


Dividends would be a possible factor you are ignoring. If Dell has another quarter or two to pay out dividends that could account for some of the difference there. I don't think there is a confirmed date of when the deal is done yet other than around the end of Dell's second quarter which was in the LA Times link you cited. There is also the potential for the terms of the deal to be revised that is another possibility here. Have you examined other deals where a public company went private to see how the stock performed in the last few months before the deal closed?


"It depends on the bank. According to the Uniform Commercial Code, a bank is not obliged to pay a cheque after six months, but may do so if it wants to. § 4-404. BANK NOT OBLIGED TO PAY CHECK MORE THAN SIX MONTHS OLD. A bank is under no obligation to a customer having a checking account to pay a check, other than a certified check, which is presented more than six months after its date, but it may charge its customer's account for a payment made thereafter in good faith. Official link to UCC 4-404 As for your second question, if you stamp ""void after 60 days"" on your cheque; I don't have a specific answer for that part (yet). Update: I can find no specific rules about someone putting an arbitrary ""void after xxx days"" on their personal check. Businesess are alllowed to, but again the overriding rule seems to be that after six months it's the bank's choice, and you certainly couldn't make a cheque expire before six months, so I don't think that putting a stamp would make any difference. It's still up to the bank in the end."


(Note: I am omitting the currency units. While I strongly suspect it's US$ I don't know from the chart. The system works the same no matter what the currency.) A call or a put is the right to sell (put) or buy (call) shares at a certain price on a certain day. This is why you see a whole range of prices. Not all possible stock values are represented, the number of possibilities has to be kept reasonable. In this case the choices are even units, for an expensive stock they may be spaced even farther apart than this. The top of the chart says it's for June. It's actually the third Friday in the month, June 15th in this case. Thus these are bets on how the stock will move in the next 10 days. While the numbers are per share you can only trade options in lots of 100. The left side of the chart shows calls. Suppose you sell a call at 19 (the top of the chart) The last such trade would have gotten you a premium of 9.70 per share (the flip side of this is when the third friday rolls around it will most likely be exercised and they'll be paying you only 19 a share for a stock now trading at something over 26.) Note the volume, bid and ask columns though--you're not going to get 9.70 for such a call as there is no buyer. The most anybody is offering at present is 7.80 a share. Now, lets look farther down in the chart--say, a strike price of 30. The last trade was only .10--people think it's very unlikely that FB will rise above 30 to make this option worthwhile and thus you get very little for being willing to sell at that price. If FB stays at 26 the option will expire worthless and go away. If it's up to 31 when the 15th rolls around they'll exercise the option, take your shares and pay you 30 for them. Note that you already gave permission for the trade by selling the call, you can't back out later if it becomes a bad deal. Going over to the other side of the chart with the puts: Here the transaction goes the other way, come the 15th they have the option of selling you the shares for the strike price. Lets look at the same values we did before. 19? There's no trading, you can't do it. 30? Here you will collect 3.20 for selling the put. Come the 15th they have the right to sell you the stock for 30 a share. If it's still 26 they're certainly going to do so, but if it's up to 31 it's worthless and you pocket the 3.20 Note that you will normally not be allowed to sell a call if you don't own the shares in question. This is a safety measure as the risk in selling a call without the stock is infinite. If the stock somehow zoomed up to 10,000 when the 15th rolls around you would have to come up with the shares and the only way you could get them is buy them on the open market--you would have to come up with a million dollars. If there simply aren't enough shares available to cover the calls the result is catastrophic--whoever owns the shares simply gets to dictate terms to you. (And in the days of old this sometimes happened.)


Thats because I'm a tax accountant. I handle things on the tax side. There are other accountants that handle books and financials. I hear how they handle certain things, but I don't know specifics. I've been in meetings, but it doesn't spell out each and every detail. I've actually heard about that purchase. I think I read that on Reddit, but other than that, I have not heard of those cards.


The company will have to pay 20% tax on its profits. Doesn't matter how these profits are earned. Profits = Income minus all money you spend to get the income. However, you can't just take the profits out of the company. The company can pay you a salary, on which income tax, national insurance, and employer's national insurance have to be paid at the usual rate. The company can pay you a dividend, on which tax has to be paid. And the company can pay money into the director's pension fund, which is tax free. Since the amount of company revenue can be of interest, I'd be curious myself what the revenue of such a company would be. And if the company makes losses, I'm sure HMRC won't allow you to get any tax advantages from such losses.


Unfortunately, there is no facility to do bulk transaction edits in GnuCash, so you are out of luck for your existing hundred. (I don't know whether there is a way to initially import a transaction as split.) However, once you have entered this split once, it can be used as a template for new transactions, using autocomplete or by entering it in the Scheduled Transaction Editor.


While I can understand the reddit admins choice here, I wish they had come up with a better way to deal with it. Even if those domains are 'cheating' it would be nice if the programmers came up with a better way to prevent cheating (as hard as it may be).


I think we are arguing the same side of the coin here from different perspectives. Let me re-phrase what I'm saying here: I'm arguing that wages should be higher; that business takes advantage of the social safety net to keep wages low, pushing the balance of what they should be paying off to the taxpayer. I'm not arguing to get rid of the social safety net. It's there for two reasons: First, people who have no income (as per your argument). Second, people who have *insufficient* income. My argument is meant to address the latter.


Material Information means that any information that can reasonable affect the share price of the company [upward or downward] as looked by the investors. The idea is to provide a level playing field to all investors. Hence it forces people having material information not to trade when they have this information that is not yet disclosed. Yes it happens all the time and laws are quite stringent. There is monitoring of share activity by regulators ... hence most of the times the companies come out with their own guidelines and top & senior management is prohibited from trading in their own company’s shares for pretty much round the year except few windows the company decides is safe. Now it may not be possible to monitor every small material info, but any large spike of stocks after certain announcements is investigated by regulators to verify any undue gains. For ex a person who never trades suddenly buys large qty of shares and it goes up and he sells again ... etc


Credit cards are often more fool proof, against over-drawing. Consider Bill has solid cash flow, but most of their money is in his high interest savings account (earning interest) -- an account that doesn't have a card, but is accessible via online banking. Bill keeps enough in the debit (transactions) account for regular spending, much of which comes out automatically (E.g. rent, utilities), some of which he spends as needed eg shopping, lunch. On top of the day to day money Bill keeps an overhead amount, so if something happens he doesn't overdraw the account -- which would incur significant fees. Now oneday Bill sees that the giant flatscreen TV he has been saving for is on clearence sale -- half price!, and there is just one left. It costs more than he would normally spend in a week -- much more. But Bill knows that his pay should have just gone in, and his rent not yet come out. Plus the overhead he keep in the account . So there is money in his debit account. When he gets home he can open up online banking and transfer from his savings (After all the TV is what he was saving for) What Bill forgets is that there was a public holiday last week in the state where payroll is operated, and that his pay is going to go in a day late. So now he might have over drawn the account buying the TV, or maybe that was fine, but paying the rent over draws the account. Now he has a overdraft fee, probably on the order of $50. Most banks (at least where I am), will happily allow you to overdraw you account. Giving you a loan, at high interest and with an immediate overdraft fee. (They do this cos the fee is so high that they can tolerate the risk of the non-assessed loan.) Sometimes (if you ask) they don't let you do it with your own transcations (eg buying the TV), but they do let you do it on automated payements (eg the Rent). On the other hand banks will not let you over draw a credit card. They know exactly how much loan and risk they were going to take. If Bill had most of his transactions going on his credit card, then it would have just bounced at the cash register, and Bill would have remembered what was going on and then transferred the money. There are many ways you can accidentally overdraw your account. Particularly if it is a shared account.


What specific area in finance are you interested in pursuing? If you are looking to go back office then it will have some value. That said, I would focus on picking up a CFA over a CPA, since fairly or not, a CPA does carry a certain stigma with it in finance.


"I would be more than happy to find a good use for your money. ;-) Well, you have a bunch of money far in excess of your regular expenses. The standard things are usually: If you are very confused, it's probably worth spending some of your windfall to hire professional help. It beats you groping in the dark and possibly doing something stupid. But as you've seen, not all ""professionals"" are equal, and finding a good one is another can of worms. If you can find a good one, it's probably worth it. Even better would be for you to take the time and thoroughly educate yourself about investment (by reading books), and then make a knowledgeable decision. Being a casual investor (ie. not full time trader) you will likely arrive, like many do, at a portfolio that is mostly a mix of S&P ETFs and high grade (eg. govt and AAA corporate) bonds, with a small part (5% or so) in individual stock and other more complicated securities. A good financial advisor will likely recommend something similar (I've had good luck with the one at my credit union), and can guide you through the details and technicalities of it all. A word of caution: Since you remark about your car and house, be careful about upgrading your lifestyle. Business is good now and you can afford nicer things, but maybe next year it's not so good. What if you are by then too used to the high life to give it up, and end up under mountains of debt? Humans are naturally optimistic, but be wary of this tendency when making assumptions about what you will be able to afford in the future. That said, if you really have no idea, hey, take a nice vacation, get an art tutor for the kids, spend it (well, ideally not all of it) on something you won't regret. Investments are fickle, any asset can crash tomorrow and ruin your day. But often experiences are easier to judge, and less likely to lose value over time."


As a former Amazonian, I can tell you that employees are really, really encouraged to get patents. Doesn't matter what for, if your patent application is formally submitted, you get a clear plastic puzzle peace (i have one). If it actually becomes a patent, you get a blue one's My point is, the fact that they're applying for a patent in X doesn't mean they want to do X, it means that some employee came up with the idea and submitted it to the IP folks who thought, maybe we can patent this thing. Every company wants a war chest of patents they can use against companies suing them for patent infringement.


I like the way you framed this question. There is no single right answer for what to do with your savings, but there are some choices that are wrong in the sense that they are dominated by other choices you could make. Of the choices you listed, there are two that fall into that category. The ones that seem like a bad idea to me are: Putting it into your Roth 401(k). You can't do this directly anyhow, but you could do it indirectly by increasing your contributions and using the growth fund to cover the hole in your budget, but that's a lot of work for a relatively small gain. You would essentially be exchanging one long-term investment for another long-term investment. You would pay capital gains taxes on the investment when you sell it today, in order to not pay taxes on its earnings when you eventually withdraw it. There is some benefit there, but it's a long way off, not that large, and probably not worth the effort. Things that might change your mind: If your 401(k) was a traditional 401(k) (paying tax at capital gains rate today to get a deduction at your normal income rate is likely to be a win). You're not contributing enough to get the full company match (always try to get that match if you can). Putting it into your emergency fund. Once again, you are likely to pay capital gains tax if you do this, and you will be putting it into an investment that is likely to get a lower return than your current one. It isn't really necessary to incur these costs, since if you encounter an emergency that you can't cover with your existing emergency fund, you could always liquidate the growth fund then, when you know you need it. Now, a growth fund is going to be more volatile than what you would normally want for an emergency fund, but the risk isn't that bad, if you think about it. Say your emergency comes up and you find that the growth fund is down 20% (which would be a pretty horrible run). That's $600 less that you have to deal with the situation. Keep in mind that you already have $2000 (and building) in your current emergency fund. Is that $600 going to make the difference between meeting the need and not? It's not likely. Better to leave the investment where it is and keep building your emergency fund week by week. Things that might change your mind: Your level of risk aversion (if having that money in a more risky investment is keeping you up at night, move it). You face significant job uncertainty (if you have reason to think your job is at risk, it might be a good idea to top off that emergency fund sooner rather than later.) Your other two choices both seem like solid options under the right circumstances. If it were me, I'd leave the investment in place rather than use it to pay off the student loan. The investment is likely (though of course not guaranteed) to earn more than the interest rate even on the highest-rate loan, especially when you consider that the interest on the student loan is probably tax deductible. Moreover, the size of the investment isn't enough to fully repay the loan, so putting it toward the loan won't even improve your cash flow for some time to come. However, there is always a chance that the investment will perform poorly and some people prefer the guaranteed return from paying off the loan. It depends on your personal risk tolerance. The one thing I would recommend is to think of putting the money toward the loan not as a debt repayment, but as a fixed-income investment with a yield equal to your loan's interest rate. If you would still consider buying it then, then go ahead. If not, then stick with what you've got. In my experience people get way too emotional about debt; try to take that emotion out of your decision making if you can.


"In the words of David Einhorn, Flash Boys was ""based on a true story."" The way Lewis tells the story is extremely misleading, and you seem to have been suckered in. HFT has reduced spreads to a small fraction of what they were 20 years ago, they are awesome for average people, who are retail traders. Lewis uses ""ordinary investors"" to mean guys like Einhorn, who do suffer from HFT because they make it hard to buy large blocks of stock without moving the price. But it is not a God-given right to buy stock without moving the price against yourself, and guys like Einhorn now understand how to trade given the current market structure."


They are thinking they'll do an hourly rate in the beginning until we get sales and can make sure it's profitable, and then switch to solely being paid the percentage of the business I would own. If it was a salary AND 15-20% I'd be happy with that :)


If you can't sell it, refinance the bugger. Even if you can knock the interest rate down to 8% and take out a 3-year loan, you'll save about $100 per month. Or really kill the payment (but pay more interest) by taking out another 6-year. A 6-year at 9% on $12k is only $215/month. My credit union routinely advertises specials on car loans. It shouldn't be difficult to get out of the usurious loan you have now. As for others' advice about getting another job, having been a PhD student I hesiate to suggest that you get another one, because your job is probably your life right now. But can your wife (or even you) start a blog on a subject that interests you? A few posts a week add up over time, and pretty soon you have a real asset that can be another basket to put your eggs in.


"What an articulated and persuasive argument coming from you! Seriously, just yes or no: 1. Do you think the ACA is good plan and a sustainable plan, yes or no? 2. Trump is pro National health care system, yes or no? 3. Is there a chance that Trump will fix the ACA to make it sustainable and better, yes or no? And if ""yes"" to the 3 questions, why are you so against fixing the ACA?"


Probably because at this point they have an extremely limited use. I use my Amazon Echo to play music, set alarms/timers, and track my grocery list. Those are convenient, but I don't NEED one. The advertised function of asking a question doesn't work very well, and until you can interact with it as more of an AI device then people won't truly rely on them.


THANK YOU. Millennials are moving away from cheaper sit down restaurants in favor of Chipotle, Panera type restaurants. I get it. it is just changing tastes. For millennials to say well just change everything you do, if not you are a moron, IS why others call them entitled. It isn't easy changing the entire concept of 1200 restaurants. Millennials are at fault as the millennials of the 20s were responsible for buggy whips dying.


I would certainly hope to make the transfer by wire - the prospect of popping cross the border with several million dollars in the trunk seems... ill fated. I suppose I'm asking what sort of taxes, duties, fees, limits, &c. would apply Taxes - None. It is your money, and you can transfer it as you wish. You pay taxes on the income, not on the fact of having money. Reporting - yes, there's going to be reporting. You'll report the origin of the money, and whether all the applicable taxes have been paid. This is for the government to avoid money laundering. But you're going to pay all the taxes, so for transfer - you'll just need to report (and maybe, for such an amount, actually show the tax returns to the bank). Fees - shop around. Fees differ, like any other product/service costs on the marketplace.


Manufacturer of Ramming mass in India http://quartzpowdermanufacturers.com/supplier-of-ramming-mass-in-india.php Shri Vinayak Industries-Our Ramming Mass product has features like corrosion & wear resistance, better thermal stability, contains less binders, fire clay & moisture in comparison with plastic refractory, Optimal bulk density, Free from sintering agent, longer shelf life, accurately processed, high purity, reasonably priced, and durability. After that this ramming mass is delivered by us implementing precise quality control tests to the clients. Our product is usually available from ready stock.


"I don't think the article is totally useless. As a Westerner, I hear virtually nothing about companies bribing government officials. So the concept alone is interesting. Also, they give hard numbers: - ""Bribery offered an average return of 10-11 times the value of the bung paid out to win a contract."" - ""heads of state securing up to 4.7% of the contract value"" Since you know it all, why don't you write an article for us?"


I suppose it depends on the circumstances, but I wouldn't advise it. If you default on a loan to the bank it might ruin your credit, if you default to a family member it has the potential for much more damage in the form of fostering bad feelings and hurt the relationship.


Ever since my apartment complex started accepting rent payments online, I've almost never written a check. I use my debit card for everything. And I get paid by direct deposit.


The debt on Credit Cards is pretty high. Its in the range of 30-40% APR. There could also be a case very high personal loan for medical or other personal emergencies at a rate in excess of 15%. The debt consolidation would offer this at a very low APR There are institutions that offer debt consolidation services that would consolidate all your debt into a single loan at a lower rate of interest. They would also negotiate with all your lenders to waive charges and accrued interests to the max extent. The benefit to the institution offering this service is that they have a larger loan on books and hence the servicing cost is less. Most of the time the debt consolidation is offered with some asset as the guarantee for the new loan. By doing this the advantages are: Of course if you are looking for the balance transfer on cards to new one, then its same and in fact may at times be more expensive.


"I debated whether to put this in an answer or a comment, because I'm not sure that this can be answered usefully without a lot more information, which actually would then probably make it a candidate for closing as ""too localized"". At the very least we would need to know where (which jurisdiction) she is located in. So, speaking in a generic way, the options available as I see them are: Contact the mortgage companies and explain she can't continue to make payments. They will likely foreclose on the properties and if she still ends up owing money after that (if you are in the US this also depends on whether you are in a ""non-recourse"" state) then she could be declared bankrupt. This is rather the ""nuclear option"" and definitely not something to be undertaken lightly, but would at least wipe the slate clean and give her some degree of certainty about her situation. Look very carefully at the portfolio of properties and get some proper valuations done on them (depending on where she is located this may be free). Also do a careful analysis of the property sales and rental markets, to see whether property prices / rental rates are going up or down. Then decide on an individual basis whether each property is better kept or sold. You may be able to get discounts on fees if you sell multiple properties in one transaction. This option would require some cold hard analysis and decision making without letting yourselves get emotionally invested in the situation (difficult, I know). Depending on how long she has had the properties for and how she came to own them, it MIGHT be an option to pursue action against whoever advised her to acquire them. Clearly a large portfolio of decaying rental properties is not a suitable investment for a relatively elderly lady and if she only came by them relatively recently, on advice from an investment consultant or similar, you might have some redress there. Another option: could she live in one of the properties herself to reduce costs? If she owns her own home as well then she could sell that, live in the one of the rentals and use the money saved to finance the sale of the other rentals. Aside from these thoughts, one final piece of advice: don't get your own finances tangled up in hers (so don't take out a mortgage against your own property, for example). Obviously if you have the leeway to help her out of your budget then that is great, but I would restrict that to doing things like paying for grocery shopping or whatever. If she is heading for bankruptcy or other financial difficulties, it won't help if you are entangled too."


Transparency. If I need materials to build a house or food from a restaurant, I can get up front pricing easily. With healthcare, you have to jump through flaming hoops to get an idea of what you're going to pay. Also, healthcare costs are very negotiable and consumers don't realize this. There aren't a lot of B2C businesses that accept bargaining and negotiation as a part of doing business, unlike B2B so the consumer assumes that the quoted price is the final price. You can always negotiate things with your healthcare (for example I negotiated my dental bill before agreeing the to service).


The first thing that I learned the hard way (by trying my hand at actual options trading) is that liquidity matters. So few people are interested in trading the same options that I am that it is easy to get stuck holding profitable contracts into expiration unless I offer to sell them for a lot less than they are worth. I also learned that options are a kind of insurance,and no one makes money (in the long run) buying insurance. So you can use options to hedge and thereby prevent losses, but you also blunt your gains. Edit: IMO,options (in the long run) only make money for the brokers as you pay a commission both on the buy and on the sell. With my broker the commission on options is higher than the commission on stocks (or ETFs).


Since you have already paid tax to the Government of Uk, no tax will be levied on the money earned outside India. As per the Income tax act, any income received in India in all cases is taxable irrespective of the tax payer's residential status. A NRI after receiving income from outside India cannot be taxed as income because of remittance of such income to India.


I politely decline. Insurance is there to protect me against catastrophic financial loss (huge medical bills, owing a mortgage on a house that burned down, etc.) not a way to game the system and pay for routine expenses or repairs.


"The writer just failed elementary math. It doesn't make a shit bit of difference how many jobs were added if the ""official"" unemployment rate went up. Why the fuck would wages go up with less jobs available? This is econ 101. We're obviously still in a recession and yet we have endure this propaganda every month for years. Either the public is extremely stupid or they think we are. Take your pick."


MoneyStrands is a site very similar to Mint, but does not force you to link bank accounts. You can create manual accounts and use all features of the site without linking to banks.


> pay a premium to the enthusiastically complicit exchanges for the privilege of scalping those that do not. I'm assuming you're talking about colocation. Can you tell me how colos enable them to scalp participants without a colo? Give me a breakdown.


"There's a concept in retail called a ""loss leader"", and essentially it means that a store will sell an item intentionally at a loss as a way of bringing in business in the hope that while consumers are in the store taking advantage of the discounted item, they'll make other purchases to make up for the loss and generate an overall profit. Many times it only makes sense to carry items that enhance the value of something else the store sells. Stores pay big money to study consumer behaviors and preferences in order to understand what items are natural fits for each other and the best ways to market them. A good example of what you're talking about is the fact that many grocery stores carry private label products that sell for higher margins, and they'll stock them alongside the name brands that cost much more. As a consequence (and since consumers often don't see a qualitative difference between store brands and name brands much of the time to rationalize spending more), the store's own brands sell better. I hope this helps. Good luck!"


Yes, but Americans know how to respond to my answer, the Indians just repeat what you said because they don't understand you. I had to call Pfizer for information about a product this summer and the first call I got an Indian who had no fucking clue about what I was asking. Then I got a clear English speaking American when I called the next day who helped me rather quickly.


I think this is off topic, but here is a stab: So these are cashless. It could be a way to smooth out the harsh reality of capitalism (I overproduced my product, I have more capacity than I can sell) and I can trade those good to other capitalists who similarly poorly planned production or capacity. Therefore the market for a system like is limited to businesses that do not plan well. Business that plan production or capacity to levels they can already sell for cash do not need a private system to offload goods. Alternatives to such a system include: (I don't know how many businesses are really in this over production / over capacity state. If my assumption that it isn't many is wrong, my answer is garbage.) This is a bartering system with a brokerage. I think we have historically found that common currencies create more trade and economic activity because the value of the note in your pocket, which is the same type of note in my pocket, is common and understood. Exchange rates typically slow down trade. (There are many other reasons to have different currency or notes on a global sale, but the exchange certainly is a hurdle to clear.) This brokerage is essentially adding a new currency (in a grand metaphor). And that new currency is only spendable on their brokerage, which is of limited use to society as a whole, assuming that society as a whole isn't a participating member of that brokerage. I can't really think of why this type of exchange is better than the current system we have now. I wouldn't invest in this as a business, or invest in this as a person looking for opportunity.


I think you would be better asking about what things COULD increase in value. Even the given example (houses) are not certain to increase in value. In fact, one of the key causal factors of this recession IMHO is that no one realized that partly because there have been few recent housing busts, and also the illusory effect of inflation that made it seem like houses always increase in value. I once heard it described that rich people tend to get richer because they spend more of their money on things that are more likely to hold their value or appreciate (houses, art, etc.) as opposed to poor people who spend the majority of their money on consumables like rent, utilities, food, cars, etc.


"That sounds great, and don't get me wrong, I'm having fun and learning a lot at this internship, I don't regret accepting the offer in the slightest. The thing is, I also wanted to improve my ""technical"" skills (if that makes sense) over the summer, and right now I'm wondering where exactly to start. You mentioned coding and excel, is there anything specific that I should know, or a good place to start? I know some basics of C++, HTML and CSS, and some excel stuff like Vlookups, but nothing beyond that really. Is there any specific language I should learn, for example? Or something more advanced in excel? If I'm not at work, I'm sitting at my PC at home, so I feel like I should be doing *something*."


And that vol., which you love so much, is the exact reason retail is leaving the market to begin with. If you're retirement savings is tied up in market that you don't trust anymore, and returns aren't what they used to be, why continue to participate? You'd be better off buying long-term bonds. HFT complains that they can't make money as easily as they used to, but forgets that they, collectively, scared off many of the participants that were necessary to make that money!


There are two parts to this. Firstly, if you are also living in the property you have bought, then you should not consider it to be an investment. You need it to provide shelter, and the market value is irrelevant unless/until you decide to move. Of course, if your move is forced at a time not of your choosing then if the market value has dropped, you might lose out. No-one can accurately predict the housing market any more than they can predict interest rates on normal savings accounts, the movement of the stock market, etc. Secondly, if you just have a lump sum and you want to invest it safely, the bank is one of the safest places to keep it. It is protected / underwritten by EU law (assuming you are in the EU) up to €100,000. See for example here which is about the UK and Brexit in particular but mentions the EU blanket protection. The other things you could do with it - buy property, gold, art works, stocks and shares, whatever thing you think will be least likely to lose value over time - would not be protected in the same way.


>They're already on food stamps with one estimate that more than 3/4 of Walmart's employees receiving some sort of government assistance. I doubt 75% of their workforce is on food stamps. Walmart has increased their wages and increases their full time staff. >There are very few Walmarts in Minneapolis partially because that's where Target's offices are located. So? >The most calls for police was to one of the WalMarts. This isn't just in Minneapolis. Across the nation law enforcement devotes significant resources to WalMart. Why pay for security when the police come for free? Despite Walmart having its own security. By the way your second link isn't exactly creditable to say the least.


Did you consider AppleCare? http://www.apple.com/support/products/iphone.html very iPhone comes with one year of hardware repair coverage through its limited warranty and up to 90 days of complimentary support. The AppleCare Protection Plan for iPhone extends your coverage to two years from the original purchase date of your iPhone. This was only a flat fee of $69 (or at least it was when we bought our iPhone 4 models) which seems much more reasonable, particularly if you're planning to keep your phone for a while. (and remember that iPhones magically turn into iPod Touches when you stop using them as phones, so their useful life is a bit longer than most typical smartphones)


"This is the best tl;dr I could make, [original](http://www.eoionline.org/blog/x-marks-the-spot-where-inequality-took-root-dig-here/) reduced by 91%. (I'm a bot) ***** > The third message is that workers&#039; wages - accounting for inflation and all the lower prices from cheap imported goods - would be double what they are now, if workers still took their share of gains in productivity. > The New Deal policies reflected that national purpose, honoring a social safety net, increasing bargaining power for workers and bringing public interest into balance with corporate power. > In the mid-70&#039;s, we traded in our post-World War II social contract for a new one, where &quot;Greed is good.&quot; In the new moral narrative I can succeed at your expense. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6wkljw/x_marks_the_spot_where_inequality_took_root/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~199874 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*: **work**^#1 **New**^#2 **social**^#3 **power**^#4 **period**^#5"


Vous souhaitez investir dans un immobilier mais vous préférez dialoguer directement avec le professionnel (agence immobilière, Cabinet en Gestion de Patrimoine…) ayant la compétence nécessaire pour satisfaire vos projets personnels. AJF FINANCE, acteur indépendant, se positionne à vos côtés et vous guide en se plaçant au cœur de votre projet d’investissement immobilier


Credit cards are a golden goose for banks, as they get to issue high-interest loans and simultaneously generate alot of fee income. Debit cards aren't quite as good, but they still generate substantial fee income -- ~2% of every credit/non-PIN debit transaction goes to the bank and credit card network. Credit histories exist because they are the most effective tool available to predict whether you will pay back your loans or not. You don't need a credit history to buy most things, you need a credit history to get a large loan. Think of it from perspective of a lender: Credit scoring is the bank's way screening out people who are expensive to do business with. It's objective, doesn't discriminate on the basis of race, sex or other factors, and you have recourse if the rating agencies have incorrect information.


"If you withdraw 401K then 10% penalty is applied. Also the amount you withdraw is considered as ""Income"" for that year. Whether you go back to India or Not, the amount is considered Income. Depending on the reason you state during withdraw, the Income tax (default @ 10%) might be ""withheld"" (Note: Sometime they may not withhold tax). If you are relocating to India, as per international tax rule (between India & US), when filing tax in India then you are supposed to show this as income (the 401K amount) and pay tax according to the total income including amount earned in India (could be upto 30%!!). If there was tax ""withheld"" in US, you can show it as International tax paid and pay the difference between 10% and your tax rate (upto 30%). If you are relocating to India, but still filing in US (it's possible) then 401K amount will be taxed at US tax rate (could be upto 35%). In either case (filing in India or US) the amount ""Withheld"" can be shown as tax paid, but yet you will pay the tax difference (could be 20% or 25% more) as per the income for that year. You are not supposed to pay tax in two countries for the same year, as per regulations (might end up with Audit in both country). Hope it helps!"


Another reason for banks to push this is sitckyness. Once you have all of your bills setup, its more trouble to change banks. This reduces the customer turnover rate, which lowers their costs.


I'm sorry, I didn't realize you served. Congrats on getting your government to help you out with your degree. As for me, I've deleted my comment and am answering with a throwaway because I don't want this to be tied to my persona in any way because of the following. Much like I didn't know shit about you, you don't know shit about me. I was born in a shithole country you've never heard of. My grandparents were collective farmers with barely a primary school education and my parents grew up on those farms and didn't go to college. My father was persecuted by the government and thrown in jail when I was four and stayed there until I was 10 – thankfully my mom and I managed to move to a Western country, where we lived on government subsistence and with no family within 3000km, because they're all (still) living in such shithole countries. We came into money once he got released and I reached high school age and hence the what you qualify as lavish, jealousy-inducing lifestyle, but even then despite the expensive private school (which sends one kid to an ivy every two years), plushy vacations and nice clothes I had to hustle entirely by myself to get into good schools in the US. Nobody in my entire extended family had ever gone on to tertiary education in any country, let alone the most competitive one in the world. Despite ready access, I took on no standardized prep tutors (got a 35 – fuck the people saying high score = expensive tutors), no after school help, no expensive college app packaging. I didn't even use my story as a college essay (in fact, nobody knows, not even my closest friends [they just think I'm some rich kid, much like you]) because I don't think the circumstances I was born with (and, alternatively, was blessed with afterwards) allow me special privileges or empathy in any way. The amount of effort I can put into my life solely depends on me, not my environment. And now that I'm here it could all come crashing down any second because my shithole country could decide to take it all away again. My parents can't even visit me in the US (hence the frequent flyer status you motherfucker) and who knows if I'll be able to finish my expensive program here while on a student visa – hence finance. I also find the American adoration of military service adorable when in so many countries (including mine) it's mandatory and a simple way of life, but I'm not going to argue with you on that because I realize it's a sensitive subject for you lot and I still respect your decision.


Actually it has been disproven that minimum wage leads to higher earnings for companies. You are without a doubt wrong on that fact. Because money has fluctuating value, more money does not necessarily lead to higher purchasing power. This is pretty well known by most monetary theorist. It's actually pretty ridiculous to believe otherwise. But hey, if you want to be wrong be my guest.


Some qualitative factors to consider when deciding whether to finance with equity vs debt (for a publicly traded company): 1) The case for equity: Is the stock trading high relative to what management believes is its intrinsic value? If so, raising equity may be attractive since management would be raising a lot of $$$, but the downside is you give up future earnings since you are diluting current ownership 2) The case for debt: What is the expected return for the project in which the raised capital will be utilized for? Is its expected return higher than the interest payments (in % terms)? If so raising debt would be more attractive than raising equity since current ownership would not be diluted That's all I can think of off the top of my head right now, I'm sure there are a few more qualitative factors to consider but I think these two are the most intuitive


Tax won't be an issue. You have a personal tax free allowance of £7475 this coming year, so your first £7475 will be tax free. 1.09% is pretty abysmal (sorry - but we've wrecked the economy for you young fullas), so you'll only earn about £84 a month. Not as awesome as you were expecting I think. Would recommend getting advice on other means of generating an income with your 100k. Because if you bought a cheap flat (cheap enough to own without a mortgage), you could probably earn between £300-£400 a month fairly comfortably. (I'm not suggesting you become a landlord, just that interest rates currently suck)


Didn't people say this the last election cycle? Has America ended yet? We're still here. But, really, why blame the President? He's not a dictator. He can only pass laws that get through house and senate. This kind of fear mongering is stupid.


Algarve is one of the prime and popular holiday destinations. For the golf lovers, this is the perfect place to be as Vale Do Lobo is famous for its two championship golf courses. Simply-Algarve offers plenty options of different apartments and villas rental options available. The Villa rentals in Vale Do Lobo is an excellent accommodation option as they offer all the luxuries and comforts. The villas and apartments are outfitted with all essential amenities, for instance, WIFI, television, private pool, air conditioning etc. http://www.simply-algarve.com/where-to-stay/villa-rentals


Here's a good rule of thumb. In any situation where you are required to purchase insurance (Auto Liability, Property Mortgage Insurance, etc.) you can safely assume that you aren't the primary beneficiary. You are being required to buy that insurance to protect someone else's investment.


"This is an advanced fee scam you do not have any money in a foreign account nor will paying any taxes or fees get that money. A clue is that the Constitution of the United Kingdom has no mention of taxes and is also not organized into sections in a manner like ""4.11"". If you really want to confirm this. You should be able to contact the UK branch of Investec Bank. They would be able to confirm the means that they would use to contact individuals with account issues."


Futures exchanges are essentially auction houses facilitating a two-way auction. While they provide a venue for buyers and sellers to come together and transact (be that a physical venue such as a pit at the CME or an electronic network such as Globex), they don't actively seek out or find buyers and sellers to pair them together. The exchanges enable this process through an order book. As a futures trader you may submit one of two types of order to an exchange: Market Order - this is sent to the exchange and is filled immediately by being paired with a limit order. Limit Order - this is placed on the books of the exchange at the price you specify. If other participants enter opposing market orders at this price, then their market order will be paired with your limit order. In your example, trader B wishes to close his long position. To do this he may enter a market sell order, which will immediately close his position at the lowest possible buy limit price, or he may enter a limit sell order, specifying the price at or above which he is willing to sell. In the case of the limit order, he will only sell and successfully close his position if his order becomes the lowest sell order on the book. All this may be a lot easier to understand by looking at a visual image of an order book such as the one given in the explanation that I have published here: Stop Orders for Futures Finally, not that as far as the exchange is concerned, there is no difference between an order to open and an order to close a position. They're all just 'buy' or 'sell' orders. Whether they cause you to reduce/exit a position or increase/establish a position is relative to the position you currently hold; if you're flat a buy order establishes a new position, if you're short it closes your position and leaves you flat.