"Suggesting your own wares when people ask you where to buy something isn't ""anti-competitive."" They are not a public service. The user chose Google and there's no shortage of alternative search engines. Anyone searching for services to find flights - e.g. by typing in ""online travel agent"" - will still find those services fairly ranked. They're not even presenting the information as a standard result - it's a direct answer, like when you search with mathematical expressions. Does that feature give Wolfram Alpha grounds to complain about Google muscling in on the math business? Do we really want to establish binding legal precedent that search engines can only return naive results?"


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Here is a list of threads in other subreddits about the same content: * [United Nations of Debt: Visualizing $63 Trillion in Global Debt by Country](https://www.reddit.com/r/Economics/comments/79o6jh/united_nations_of_debt_visualizing_63_trillion_in/) on /r/Economics with 1 karma (created at 2017-10-30 22:48:32 by /u/InvisibleTextArea) ---- ^^I ^^am ^^a ^^bot ^^[FAQ](https://www.reddit.com/r/DuplicatesBot/wiki/index)-[Code](https://github.com/PokestarFan/DuplicateBot)-[Bugs](https://www.reddit.com/r/DuplicatesBot/comments/6ypgmx/bugs_and_problems/)-[Suggestions](https://www.reddit.com/r/DuplicatesBot/comments/6ypg85/suggestion_for_duplicatesbot/)-[Block](https://www.reddit.com/r/DuplicatesBot/wiki/index#wiki_block_bot_from_tagging_on_your_posts) ^^Now ^^you ^^can ^^remove ^^the ^^comment ^^by ^^replying ^^delete!


One of the funnier parts of the finance crisis was seeing just how awful Morgenson could be. Every time she wrote something dumb, she'd manage to one-up herself the next time. It was impressive. (which made me remember that [Calculated Risk even had a tag](http://www.calculatedriskblog.com/search/label/Picking%20On%20Poor%20Gretchen) for posts about her awful stories.)


Agreed. It turns you into a bore. People who are addicted to pot are similar to alcoholics. If you need marijuana for pain or other ailments I have no problem with it, I still think it should be legalized everywhere, I definitely won't be using it though.


If it does happen I doubt it will be a rapid change. Just like electric cars one of the main hurdles will be getting infrastructure in place. Tesla has invested in a network of quick recharging stations around California, a Hydrogen based vehicle would similarly need Hydrogen fueling stations. Tesla and other competitors would have a lot of time to push out new designs.


"A stock insurance company is structured like a “normal” company. It has shareholders (that are the company's investors), who elect a board of directors, who select the senior executive(s), who manage the people who run the actual company. The directors (and thus the executives and employees) have a legal responsibility to manage the company in a way which is beneficial for the shareholders, since the shareholders are the ultimate owner of the company. A mutual insurance company is similar, except that the people holding policies are also the shareholders. That is, the policyholders are the ultimate owners of the company, and there generally aren't separate shareholders who are just “investing” in the company. These policyholder-shareholders elect the board of directors, who select the senior executive(s), who manage the people who run the actual company. In practice, it probably doesn't really make a whole lot of difference, since even if you're just a ""customer"" and not an ""owner"" of the company, the company is still going to want to attract customers and act in a reasonable way toward them. Also, insurance companies are generally pretty heavily regulated in terms of what they can do, because governments really like them to remain solvent. It may be comforting to know that in a mutual insurance company the higher-ups are explicitly supposed to be working in your best interest, though, rather than in the interest of some random investors. Some might object that being a shareholder may not give you a whole lot more rights than you had before. See, for example, this article from the Boston Globe, “At mutual insurance firms, big money for insiders but no say for ‘owners’ — policyholders”: It has grown into something else entirely: an opaque, poorly understood, and often immensely profitable world in which some executives and insiders operate with minimal scrutiny and, no coincidence, often reap maximum personal rewards. Policyholders, despite their status as owners, have no meaningful oversight of how mutual companies spend their money — whether to lower rates, pay dividends, or fund executive salaries and perks — and few avenues to challenge such decisions. Another reason that one might not like the conversion is the specific details of how the current investor-shareholders are being paid back for their investment in the process of the conversion to mutual ownership, and what that might do to the funds on hand that are supposed to be there to keep the firm solvent for the policyholders. From another Boston Globe article on the conversion of SBLI to a mutual company, “Insurer SBLI wants to get banks out of its business,” professor Robert Wright is cautiously optimistic but wants to ensure the prior shareholders aren't overpaid: Robert Wright, a professor in South Dakota who has studied insurance companies and owns an SBLI policy, said he would prefer the insurer to be a mutual company that doesn’t have to worry about the short-term needs of shareholders. But he wants to ensure that SBLI doesn’t overpay the banks for their shares. “It’s fine, as long as it’s a fair price,” he said. That article also gives SBLI's president's statement as to why they think it's a good thing for policyholders: If the banks remained shareholders, they would be likely to demand a greater share of the profits and eat into the dividends the insurance company currently pays to the 536,000 policyholders, about half of whom live in Massachusetts, said Jim Morgan, president of Woburn-based SBLI. “We’re trying to protect the policyholders from having the dividends diluted,” Morgan said. I'm not sure there's an obvious pros/cons list for either way, but I'd think that I'd prefer the mutual approach, just on the principle that the policyholders “ought” to be the owners, because the directors (and thus the executives and employees) are then legally required to manage the company in the best interest of the policyholders. I did cast a Yes vote in my proxy on whether SBLI ought to become a mutual company (I'm a SBLI term-life policyholder.) But policy terms aren't changing, and it'd be hard to tell for sure how it'd impact any dividends (I assume the whole-life policies must be the ones to pay dividends) or company solvency either way, since it's not like we'll get to run a scientific experiment trying it out both ways. I doubt you'd have a lot of regrets either way, whether it becomes a mutual company and you wish it hadn't or it doesn't become one and you wish it had."


Double check with your broker, but if a series isn't open yet for trading, you can't trade it. If there is a series trading without open interest (rare), simply work your open, as options are created at trade. If you have enough money, do this https://money.stackexchange.com/questions/21839/list-of-cflex-2-0-brokers


I had a similar situation when I was in college. The difference was that the dealer agreed to finance and the bank they used wanted a higher interest rate from me because of my limited credit history. The dealer asked for a rate 5 percentage points higher than what they put on the paperwork. I told them that I would not pay that and I dropped the car off at the lot with a letter rescinding the sale. They weren't happy about that and eventually offered me financing at my original rate with a $1000 discount from the previously agreed-upon purchase price. What I learned through that experience is that I didn't do a good-enough job of negotiating the original price. I would suggest that your son stop answering phone calls from the dealership for at least 1 week and drive the car as much as possible in that time. If the dealer has cashed the check then that will be the end of it. He owes nothing further. If the dealer has not cashed the check, he should ask whether they prefer to keep the check or if they want the car with 1000 miles on the odometer. This only works if your son keeps his nerve and is willing to walk away from the car.


Perhaps they shouldn't stray from their core competencies (as they've clearly done)? Plus, consider their competition--bad software interface isn't one of the problems their competition has. Microsoft really stands out as a loser as a direct result of these continual blunders. Seriously, if they'd put a touch-based Windows 7 option in their Surface products, I'd consider a purchase right now for the RT (or whatever has the Wacom sketching capacity built into it). That would work great for what I do, particularly when traveling.


"I'm a big fan of Mint. I tried Wesabe prior to mint and at the time (about a year ago) it was lacking the integration of many of my accounts, so I had to go with Mint by necessity. Since then, Mint has gotten better almost monthly. I can do almost everything I want, and the budgeting tools (which would address your ""6 months out"" forecast desires) and deal alerts (basically tells you if you can get a better interest rate on savings/credit card/etc) are really helpful. Highly recommended!"


Limiting liability to your investment is one of the main points of corporations. When you contract with a corporation you know that all you can get if the corporation defaults is the assets owned by the corporation, not the owners of said corp. There are plenty of covenants debtholders can put in place to restrain management from making decisions that can be detrimental to said debtholders. >So here is a case of a legitimate lawsuit, it was heard in court and Rich Dad was ordered to pay $24 Million to his former partner(s). It seems that the corporation was ordered to pay, no? The man does not claim he can't pay it, he claims the corporate entity that is supposed to pay it can't pay it. I don't think the opposing side ever had an agreement with Kiyosaki on a personal level. This man probably runs several businesses, there is a chance some may go under. It is a legitimate tactic to insulate each business from one another. The debtholders know this ahead of time and receive extra yield on their investment for taking these easily identifiable risks. If you don't want to invest with someone who doesn't have skin in the game, all you have to do is don't invest.


If a shop offers 0% interest for purchase, someone is paying for it. e.g., If you buy a $X item at 0% interest for 12 months, you should be able to negotiate a lower cash price for that purchase. If the store is paying 3% to the lender, then techincally, you should be able to bring the price down by at least 2% to 3% if you pay cash upfront. I'm not sure how it works in other countries or other purchases, but I negotiated my car purchase for the dealer's low interest rate deal, and then re-negotiated with my preapproved loan. Saved a good chunk on that final price!


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PE can be misleading when theres a good risk the company simply goes out of business in a few years. For this reason some people use PEG, which incorporates growth into the equation.


I don't know about down there but up here in Canada, unless those companies have some track history, you ARE personally responsible. Or at least that's how I remember it; someone feel free to correct me... (Unless you were wise enough and had enough capital to begin with a shell company)


but then they make suggestions such as paying extra each month on your mortgage. How else does one pay off his mortgage early other than by paying extra each month? The principal and interest are fixed, no matter how much money you throw at them. The interest rate is fixed. The total interest paid varies depending on how much extra you pay towards the principal. You'll pay the same amount every month regardless. That's factually incorrect. just put the extra money into savings At 1.2%, if you're smart enough to put it in an on-line savings account. until you have enough to pay off the mortgage Which costs you 3.5%. This way, the money is locked up in your home. Who says that all of your money must be locked up in your home? (I'm sure that there are financial advisors who recommend that you throw every single spare dime into extra mortgage payments, but they're rare.) Am I missing something? Yes: the mathematical sense to see that a 3.5% loan costs more than than 1.2% savings earns you


But look at how TV programmes, newspapers, radio stations make their money from advertising. Social media is a great business model in the advertising world because you have total control over which demographic sees your adverts. Even better, the people who use the social media site also make the content - for free. I do think it's a bubble and has a very fickle user base but if they get it right there is a huge amount to be earned without charging to view the content. So I don't agree that it's a bad business model as such, it's just hard to get right.


Theoretically the yield curve is an expectation of inflation, however in practice (currently) the government yield curve is an expectation of banking fear. As you put your money with the government if you think the bank is going to default. With the FED lowering the longer end and making government less attractive, operation twist should theoretically lower both long term corp bond rates and stop people from buying long gov bonds (crowding out of capital).


"Out of your seven recommendations one is up 14%, one up 6%, four are either even or down slightly and one is down a whopping 40%. This reminds me of a recommendation earlier in the year provided by The Motley Fool to buy XRO.AX when it was around the $40 mark. I had a quick look at it and thought ""gee there is no way I am buying those shares"". Now they are just below $15. See the chart below: You have just learnt a valuable lesson by testing these recommendations without your real money - never trust investment recommendations from analysts (or anyone else). Get yourself educated so you understand what analysts are talking about and you can make a decision for yourself. Better still learn about technical analysis so you can decide for yourself whether it is the right time to buy or sell."


If you move money - you don't need to pay any taxes. If the money was not there before and magically appeared at some point and now you want to move it - you'll have to explain a thing or two to the IRS and FinCEN. Generally, if you're a green card holder - you pay taxes on your worldwide income. So if you have a foreign account that earns interest - that interest is taxable to you in the US. In the year you earned it, not in the year you moved the money to the US. There are also reporting requirements (FBAR notably, and others). If you haven't filed FBAR with regards to the accounts which you now want to move, and especially if that also includes unreported income (interest and other) - you may find yourself in a very deep s#!t. Sorry, very deep troubles. Talk to a tax adviser (EA/CPA licensed in your State). A proper consultation is warranted, if you haven't had one already. You might need a tax attorney.


I recently engaged in a dispute with a ski resort that was proposing several hotels (about 500 rooms) along with a new lodge, which will host conventions. I have a home (3 bedrooms) I rent on Airbnb located next to the resort and was a statutory party to their permit hearing. After all was said and done, I managed to take away approximately 250 parking spots, forcing them to build a parking garage. They were permitted for the new lodge, which they are building now, but not for the hotels. I will now be able to raise my rates as there will be a severe lack of short term housing to accommodate the new lodge.


You can check your score through your discover card account (only credit card) 2 month difference Nothing has changed. Have gone about regular business with no dramatic increase in spending I'm 21 and I'm almost exactly a year into my first card


Disclaimer: I’m not an expert. This is my basic understanding, which I’m sure someone will be glad to tell is horribly wrong... You need an LLC. Many people in my area create an LLC management company, then create individual LLCs for each investment property. Laws vary by state. YMMV Then you start researching properties. Commercial loans typically require a higher equity position than home ownership. Assume minimum 30%. For ease of this conversation let’s say you’re making the horribly poor decision to put that towards a single property. You’d be looking for a property in the 175-200k value range, because you’ll need to account for settlement expenses (attorney, broker, consultants) and a cash reserve. You’d be also be looking for what the average cap rate is for your market. In simplistic terms cap rate is the expected rate of return after expenses. So if the average market cap rate in that region for comparable properties is 5%, you can expect around 5% return on your investment, after you pay fees, maintenance, taxes, insurance, interest, etc. Buy a property and hold that property for a few years, making money every year, and claiming deductions on your earnings for something called depreciation. Fast forward 5 years and you’re ready to sell, the value of your property went up because you made improvements along the way, brought in some better tenants who are paying higher rents, and now you can offer a better cap rate than your competitors. You sell in the blink of an eye, and double your investment. Say you have $500k now sitting in the bank in you LLC’s name, in cash. You can either choose to cash out 100% and pay capital gains tax on your earnings above your basis (at 15% I think?)... OR you can quickly find a new property with that $500k, purchase it, and file a 1031, which says you don’t have to pay ANY capital gains on those earnings. You just increased income significantly without ever paying taxes on the underlying increase in value of your assets. Rinse and repeat for 25 years, develop a portfolio of properties, create a management company so you can stop paying others a percentage of your earnings, and you too can have the problem of too much money. I welcome anyone with actual knowledge of the topic to please expound on, or correct me.


All day. We make markets are pretty much anything. We just don't price anything. If we can go in house that's what we'll do if not we'll go external. We so see decent flow, but nothing like capital markets sees. You guys hiring? :)


"I think the best advice you could get would be to find a lawyer. If that foreign company has any presence in the US, they should be the ones signing off as the successor, otherwise you may find yourself in a limbo that would require some legal assistance. Generally, in most States a Corporation cannot be dissolved without resolving issues like this, which is probably why they told you ""the plan is terminating"". Someone asked them to terminate it. You need to find that someone."


That's a very good question.. of which I didn't know the answer. I didn't pay very close attention when they actually IPO'ed, so I researched just now and I couldn't believe the amount of public complaining the banks did about Google's IPO structure. Hilarious in retrospect. Either way, in a very satisfying development, Google only paid 3% on the underwrite. The offering was worth almost $3B which means $100m for the banks, but they didn't have to do a road show or make a single call to sell the thing, so I'd say that was more than fair. {[Source](http://www.slate.com/articles/business/moneybox/2004/07/frugal_google.html)} >Google's IPO price will thus be set naturally by all interested market participants, not artificially by underwriters. Google—and not well-connected investors—will receive the full benefit of investors' enthusiasm for the stock. To add insult to the injury of the chastened investment bankers, Google has decreed that it'll only pay a 3 percent underwriting fee.


>One of the easiest mistakes to make in business is assuming that your own anecdotal experience applies to everyone on earth. Yep. I'm in marketing, and early on, a good marketer learns to separate what they don't personally like. For example, I don't like exit popups. (The things that come up when you move the mouse to leave a website.) Guess what? They work.


"> The US didn't come in and seize any Iraqi oil. That statement is just blatantly wrong and expresses a profound ignorance. There have been articles and books written about the ""broken oil gauges"" found at Iraq's gulf oil terminals."


>The problem I have with this line of logic is that it's pretty much the anti-net neutrality argument. I think there is a key difference here, at least for me. I view internet access as a utility, like water or power. Companies shouldn't be able to arbitrarily decide who gets access to those utilities. Some people may not see it the same way and that is fine.


"For example, for my employer I received a signing bonus, and a ""relocation lump sum"" separate from that signing bonus. The relocation lump sum is taxed and will appear as income on my W-2, and I can spend it on anything I want. That said, should the relocation lump sum count towards the entry quoted above in Form 3903, or would it be considered the same as any other bonus; thus allowing me to take a full deduction for all of my deductible travel expenses? The signing bonus and relocation lump sum will appear as regular income on your W-2. You can think of the relocation bonus as something to cover the pain and suffering the cost of moving, without needing to send in receipts. Lets assume that you meet the distance and time tests, so there is potential to save money on your taxes. Lets also put your actual moving expenses as $2500. If you have valid moving expenses the IRS will allow you to use them to reduce your AGI. So now you can reduce your AGI by the $2500. Enter the total amount your employer paid you for the expenses listed on lines 1 and 2 that is not included in box 1 of your Form W-2 (wages). This amount should be shown in box 12 of your Form W-2 with code P. My question is: what exact payments from your employer should be entered here? I realize that you can just write the number you get in box 12 with code P on your W-2, but I'm curious how they come up with this number. In some cases the company will reimburse you your moving expenses up to a maximum of $x. For example a maximum of $1000 That means you submit receipts for those expenses and they give you a check or add it to your next paycheck. The check will either be for the amount on your receipts or the maximum amount, whichever is smaller. In this situation with actual expenses of $2500 and a reimbursement of $1000 you can reduce your AGI by $1500."


The most likely answer to your question regarding what the 'market expects' is perhaps that the market expects that currently Linked-In like a lot of other startups has been plunging almost eveything it makes into building the business and brand. So right now the net profits are pretty low percentage of income (roughly 1.5% of revenue) Given the size of the other numbers, it doesn't take a lot of movement in the right direction to get a big change in that tiny final number. The other factor is the gap between their Net and the Income Available.. I think (but I'm making a logical guess here) a large part of that gap was paying off the losses of the prior two years. If that's the case, and everything else is static, then next year's 'available' number ought to at least triple. In order to grow the net, all LI needs is to either continue current trends of growth in expenses relative to costs, keep expenses steady and experience a slight growth in income, or find a way to reduce expenses without having it impact income. Or something in between those three. If we take the first case as an example, income has been roughly doubling every year, but expenses growing less than that. if they were to continue that, but manage to get some economy of scale and have expenses grow at a slower rate, then the jump in net income ought to be substantial. most of the trends you could project end up with a big growth in the bottom line.. but yeah I gotta admit, none of that gets you 117X growth in a single year. So the conclusion I would draw is that the market is trending a few years out and being pretty optimistic given the current PE ratio. Of course you could also conclude that the market is 'social network happy' and LNKD represents one of the few opportunities for the average investor to get in on that given that facebook and myspace are not trading on the open market


I think the straight productivity curve is supposed to represent the idea that the economy is always growing as opposed to shrinking overall, like you said. I beleive the video leaves out the idea of innovation to keep it simpler and cut down on length(Of an already half hour video). Thanks for the connection between innovation and productivity. Im new to this stuff and it hadn't occured to me.


Someone already mentioned that this is a risk-reversal, but as an aside, in the vol market (delta-hedged options) this is a fundamental skew trade. (buying calls, selling puts or vice versa). Initially vega neutral, the greek that this trade largely isolates is vanna (dvega/dspot or ddelta/dvol).


It depends on the service. Retail has been and will continue to die. People are turing to online more and more over in store experiences. Amazon just bought Wholefoods. I think what's been considered standard for the grocery industry is off the table for now.


The LLC will not be liable for anything, it is disregarded for tax purposes. If you're doing any work while in the US, or you (or your spouse) are a green card holder or a US citizen - then you (not the LLC) may be liable, may be required to file, pay, etc. Unless you're employing someone, or have more than one member in your LLC, you do not need an EIN. Re the bank - whatever you want. If you want you can open an account in an American bank. If you don't - don't. Who cares?


What are my options, if any, in how to deal with a buyout that forced me to sell, and accept cash only for my Florida USA company shares? Options are limited;


"This is called ""import duty"", and it is based on the value of the goods imported. The one to pay the duty is the importer/receiver. As long as you fill the correct information (including the description and value of the items sent) on the USPS customs form (which you'll have to attach to your USPS shipment), you're good to go."


An idiot wrote that story. Right out of the gate they are plain wrong. Interns must be paid (federal law) unless they are SOLELY learning and not performing any work to the benefit of the company. The author should have at least researched one fact. Any fact would have done fine. It's a purely ignorant article. Source: I've owned multiple business for the last 20 years.


Prescribed, sure. I usually don't have a problem with people taking prescribed drugs (except the tragic overuse of antibiotics that in the end is going to kill us all, but that's another issue completely), but I do have a problem with people self-medicating because they've read somewhere that it's good for you. I recently watched a German documentary about Aspirin, where medical professionals talked about the wide-spread (not prescribed) use of Aspirin and how people don't think about the consequences of using Aspirin, because it's so commonplace that they don't even see it as medication anymore. Especially in surgeries, this is a problem due to the reduced clotting factor.


If you have no paycheck, I presume you are doing your own business. That is included. Also, that is only limited to business, Studies, personal growth and other things are different again. Oh, and if you can predict with high probability a high profit event in 5 years time, considering today's climate, I'm V.impressed. I'm relying on having as many basis as possible covered. It's a bit like a lottery (Though the odds are a lot better), the more tickets you have, the better your chances of hitting the big one.


I do agree on prices and in-stock materials. But I've also gotten some cheap shit at Menards. I bought a pneumatic staple gun because it was fairly cheap, the gun itself starter leaking air the first time I used it.


Would you classify the Equifax scandal as a medium sized shock? I am 100% in agreement with your points, which is why when the Equifax news started to break I was very worried that was going to be the trigger. Why do you think that didn't have an impact, or could it still?


In THEORY, you don't have to pay income tax in such a situation. In actual fact, the transaction looks suspicious because the money went into your account. Presumably, the money should have gone OUT of your account in equal amount. Having allowed all this to happen, what you need to do is to DOCUMENT this activity ASAP. The first thing to do is to retain the paperwork showing the sending of the funds to the third party. The second thing to do is to ask your friend for a letter dated TODAY (don't use an earlier date) as to why the money was delivered into your account, and corroborating the fact that it was sent to the third party. Then if the IRS comes calling, you will have documentation to prove your point and protect yourself.


"Like Dheer said, the demand for shorter term money is greater than for longer term money, precisely because the banks don't want to have to pay big interest rates for long periods. Banks borrow short term and lend long term - so they take money from you for one year, and lend it away as a 20 year mortgage. After a year, they take money for another year. Since short term rates tend to be higher than longer term rates, they make money off the ""spread"" (or the different between the rate they lend and the rate they borrow). In this scenario, banks should pay higher for longer term deposits, but overall banks realize that interest rates will go up and down, and they don't want to lock the ""up"" for a longer term. Since banks believe that rates will come down in the 1-2 year period, they offer good rates only till the 1 year period and disincentivize longer term deposits by offering lower rates. If you look at the interbank or money markets, trading of very short term bulk money shows that for the 10-15 day periods, the interest rates being offered are 10% or so, while for one year it's just 9.5%. The market believes that interest rates will go down in the one year time frame - but you never really know since this is just a bunch of people that believe so. Eventually, if rates continue to go up, the demand at the longer term will also go up, because it will become obvious that the rate pressure continues to be strong. If you do want higher rates for the long term, check out State bank of India bonds that are currently trading on the NSE (you can buy them if you have a brokerage account) They are just about as safe as SBI Fixed Deposits, and the rate being offered is around 9.3%, for a 10-15 year term. Hope that helps!"


They are providing you a service and they charge you for it. The service includes giving you a trading platform(website and the infrastructure), doing all the background work for setting up services for you, relaying your orders to the market or as a broker fulfilling your orders, doing settlement when an order is matched, giving you access to the stock market(the costs are quite high to get a license to relay orders to the market and I believe it needs to be renewed every year). There are transaction fees which the stock exchanges charge the brokers to use the stock markets infrastructure and connect to it. And then interfacing with banks for monetary transactions and also doing according to the law in the jurisdiction they are located in. Most of it is an one time cost, but they are a private enterprise out to make profit so they will charge for their services.


Take all of the overachieving wannabe investment bankers that you went to college with and stick them in an echo chamber, and you have WSO. I wouldn't overthink it. As you identified, it's all over the top, and not at all reflective of reality. That said, there is some really insightful content on there from time to time from individuals who really know their stuff (Thebrofessor, blackhat, etc). Some of the users are legitimately taking the piss though (Dick Fuld...)


"I *loved* the Zune. I had a ZuneHD (the 16g touch screen, sort of like the ipod touch, but smaller form factor). The PC software was actually _good_. The device was great, it played music wonderfully. The only reason I don't have a Zune anymore is because I got an Android phone (HTC Incredible) back then, and I have a strict personal policy of ""one overpriced gadget on me at any time"", and I wasn't going to carry a music player and a phone when the phone can do both just fine."


You might be better off soliciting software engineers on AngelList. Coder and programmer is a bit derogatory also -- you are seeking an Engineer. With that said, I've been approached numerous times for things like this and the answer is always no. You are basically looking for a cofounder so be prepared to give away 50%. You need seed capital, and you don't really need an engineer for that so you should formalize the business plan and get funding. If you can't convince someone for 50 or 100k of seed then the idea is probably flat and you won't find an engineer who wants to touch it.


If I remember correctly, the Netflix settlement was rejected under similar circumstances. The court ended up agreeing that offering free advertising was not a /punishment/ to Netflix. The same should hold here, too. Sooo... Now we just need a convenient way to object...


The short answer is you'd be much better off paying up front in this case. The present value of $2,500 plus 12 $500 monthly payments is $8,128 at a 12% discount rate, which is much higher then the $6,000 you could pay now. The long answer is how you get that present value. How can I use time value of money to find the present value of money if I choose to go with option A? First of all, I'd question your discount rate. A 12% discount rate means that you can safely reinvest the money that you're not spending today at a 12% annual (1% monthly) rate, which seems very high. Normally for short-term spending decisions you'd use a risk-free rate, which would be closer to 1%-2%. However, to discount at 1% monthly you'd just divide each monthly payment by 1 plus the discount rate raised to the power of the number of periods until each payment. So the total is which is $8,127.54 You could also use the NPV function in Excel. It seems like to get an accurate answer the calculation of the interest rate should take into account compounding period as well? Correct, and in the example above the compounding is assumed to be monthly since that's the periodicity of the cash flows. You could calculate it with a different compounding period but it gets much more complicated and probably wouldn't make a significant difference. The discount rate does take compounding into effect, meaning if you saved the $5,628 (the PV of $8,128 minus the $2,500 initial payment), you'd earn 1% interest on $5,628 the first month, $5,128 plus that interest the second month, etc.


"You're welcome to hold any opinion of my writing as you like, but after actually typing my name ""Amy Hoy"" you still refer to me as a ""he""? Amy is a girl's name and my picture is obviously of a woman. The culture I'm complaining about is everywhere, not just in b-school. Look at Hacker News, TechCrunch, or any kind of startup event. Or the VCs who got together to lament ""dipshit companies"" as anyone who doesn't swing for the fences: *The VCs, for their part, fight back more quietly. They point out that very few angel funded startups end up very big or interesting. “An entire generation of entrepreneurs are building dipshit companies and hoping that they sell to Google for $25 million,” lamented a venture capitalist to me recently. He believes that angel investors are pushing entrepreneurs to think small, and avoid the home run swings. And you don’t get a home run unless you swing hard, he says. When you play it safe you nearly always lose.* http://techcrunch.com/2010/08/15/venture-capital-super-angel-war-entrepreneur/ If you (anyone, not OP) don't think this attitude is rife, you're not paying attention."


The technical feature exists to (1)block all ACH activity, (2)block all ACH credits, or (3)block all ACH debits attempting to post to the deposit account. The large financial institutions will not deviate from their company policies and won't offer something like this for a personal account. The smaller institutions and credit unions are much more willing to discuss options. Especially if you maintain a large deposit balance or have many products with the institution, you might convince them this feature is very important and insist they block all ACH activity on your account. This feature is used frequently on controlled asset accounts where the balance must be frozen for a variety of reasons.


Interest rates are always given annually, to make them comparable. If you prefer to calculate the rate or the total interest for the complete time, like 10 years or 15 years or 30 years, it is simple math, and it tells you the total you will pay, but it is not helpful for picking the better or even the right offer for your situation. Compare it to your car's gas mileage- what sense does it make to provide the information that a car will use 5000 gallons of gas over its lifetime? Is that better than a car that uses 6000 gallons (but may live 2 years longer?)


The best way to build your online traffic is using social media platform because it gives you millions of users at the same time and also they can subscribe to your page. Apart from this if you upload something new post or upload so they can easily get a notification. How to get more traffic to my site, Now these days social media if of the biggest marketing and promoting your brand among customers. For further more details about the mdwtraffictips, you can read our new latest blog for more free general tips and tricks.


COBRA premiums are not deductible on 1040 line 29; to qualify, the IRS says the insurance plan must be in your name (COBRA is in your former employer's name). H&R Block confirms this.


"LOL!!!! Oh Jesus... the FBI (yes, the FBI) thinks that Hillary mishandled top security e-mail(s) but ""there was no intent behind her actions, so she will not go to jail"" (but a sailor who took a picture of a ship and never even shared it is in jail for 10 years). The FBI is part of the political system. Trump will change that. **Any, I asked you to use COMMON SENSE, and not what you are told by the FBI and the fake media. Do you think the Russian could possibly rig the election for Trump from July until November?** Or, is it a simple case of Americans hating Hillary and the DNC for their corruption, incompetence, crimes, cheating, killing, mishandling, etc?"


The lifetime limit would be very peculiar. The question for the IRS is, whether this is a gift of some sorts, which is why they become interested at some point. In the US, you as the giftor would have to pay the taxes. The bank might inquire too, due to money laundering issues. The bank will anyhow report transactions above a certain size to the IRS. As long as you are sending money to yourself, you should be fine, as this is clearly not a gift. If you send it to 3rd person, then this is either for a service, in this case you need a bill or is a gift, in which case you require to pay gift taxes.


Let's say that you bought a share of Apple for $10. When (if ever) their stock sold for $10, it was a very small company with a very small net worth; that is, the excess of assets over liabilities. Your $10 share was perhaps a 1/10,000,000th share of a tiny company. Over the years, Apple has developed both software and hardware that have real value to the world. No-one knew they needed a smartphone and, particularly, an iPhone, until Apple showed it to us. The same is true of iPads, iPods, Apple watches, etc. Because of the sales of products and services, Apple is now a huge company with a huge net worth. Obviously, your 1/10,000,000th share of the company is now worth a lot more. Perhaps it is worth $399. Maybe you think Apples good days are behind it. After all, it is harder to grow a huge company 15% a year than it is a small company. So maybe you will go into the marketplace and offer to sell your 1/10,000,000th share of Apple. If someone offers you $399, would you take it? The value of stocks in the market is not a Ponzi scheme, although it is a bit speculative. You might have a different conclusion and different research about the future value of Apple than I do. Your research might lead you to believe the stock is worth $399. Mine might suggest it's worth $375. Then I wouldn't buy. The value of stocks in the market is based on the present and estimated future value of living, breathing companies that are growing, shrinking and steady. The value of each company changes all the time. So, then, does the price of the stock. Real value is created in the stock market when real value is created in the underlying company.


Now you have contradicted yourself. You tried to compare half an inflation adjusted wage to Amazon's current offering based on some unknown point in history. What you are saying is since you were underpaid it is a good trend. Nearly everybody in America disagrees with you.


"He's talking about startups. Typically everyone wears a lot of hats, has a ""get shit done"" attitude, and self-manages. If you need managers at a startup, you've hired the wrong people. Obviously, once you've finally built a well-oiled machine you'll need operators to run it."


Much like any human interaction, a successful phone conversation rests on making a good first impression. Consequently, your customers would rather talk to a professional who is polite, patient, and knows his stuff rather than to a novice who stumbles over every word.


"It is indeed, mostly because the various factors you need to take into account will change depending on the company. An Australian mining co funding a new settlement or harbor has nothing in common with a small European packaging company looking to acquire a competitor, except they both need to raise money. As far as I know, to become ""proficient"" in that field, the only way is to go through heaps of case studies, which won't be found easily outside of the financial world (sell side research, conversation with experienced buy side analysts/PMs/traders or sell side cap markets pros). It is niche knowledge with a narrow focus and a high potential for value added, hence, not really widely shared. The good news though is that it isn't really that complex, it just takes (lots of) work and being in the right place (internship or entry level position in a market or M&A oriented bank)."


"Oh, how about something like ""I'd rather not. It exposes me to more financial liability than I want. If you were in the hospital, or some emergency like that, it might be different, but..."""


wtf. look at that image. its supposed to show a horrible, disgusting, greedy, rich, 80-year-old unfairly hoarding money. but check it out -- the mattresses are old and cheap, bare like in a flophouse, and the bills are $1 and $5. statistically, i think being scared and hiding your fixed-income under a crappy mattress is a more accurate depiction of old age nowadays, than being a trillionaire and bathing in champagne. i realize this will be an unpopular thought. its very satisfying to have a group to blame for everything. its scary the extent to which we're being led to hate each other in groups =:-(


There is no right answer here, one has to make the choice himself. Its best to have an emergency fund before you start to commit funds to other reasons. The plan looks good. Keep following it and revise the plan often.


"From your own article they attribute it more to how they handled the banking crisis. And then there's this: >""The lessons don't transfer directly because of the relative size of the old banks in relation to the economy. What we were left with was quite manageable,"" said Jon Bentsson, senior economist at Islandsbanki. Also, Iceland is an extremely small country, with just over 300k people. Lessons learned at that scale don't translate well to countries like America, with three orders of magnitude (just over 300 Million) higher numbers of people. But true enough, I did not ask that question so I am willing to admit when I am wrong. Iceland did indeed recover with austerity measures in place."


In Australia, you will typically be required to pay for mortgage insurance if you borrow more than 80% of the value of the property. Basically this means another ~1% on top of the regular interest rate. So it's in your interests to save until you can at least reach that point. If you can't rent and save at the same time, it suggests your finances may be too stretched for buying now to be a good idea.


> Essentially what the author is saying, I think, is that wages have been replaced in part by provided services, whether we want or need them, or not. The report mentioned in the article finds wages stagnated when adjusted for inflation, not cost of living. This means the increased costs of Internet, cable, and cell service are not accounted for in the stagnant wages and people have to pay for them on top of not getting paid more. > ...we should ignore what we are being paid, and just be happy with all the gadgets we can get on the cheap, and the services that are provided for us. Funny how that attitude doesn't apply when we talk about raising taxes on the wealthy.


It does when you argue that a single factor is causing the price chart to move a certain way. If they start to think it's perhaps more complicated than that, then yes, it breaks down quickly, which was precisely my point.


> That said, the non-profit also was likely to enroll about 1,000 students at nominal tuition levels, whereas the for-profit is likely to enroll tens of thousands, with dozens of staff doing nothing but making sure their students get the largest possible student loans. I get what you are saying, the non-profit isn't causing as much long-term damages as these for-profit Johnny-come-latelys. Has anyone taken the numbers and really crunched them? I feel like the problem is the perverse incentives created by the student loan system. There isn't anything inherently wrong with for-profit colleges, but there are issues under the current system because of the way we extend credit to students. Anytime credit is available, the big, corrupt banks are not far behind. I say get rid of the loan programs and see how these for-profit schools adjust. I think they would probably be able to adjust more quickly and possibly even get better than the non-profit schools, due to their lack of legacy contracts and traditions.


> It claims to own a large portion of your income... No, it takes money to pay for services provided to you. The public agreed to this transaction by electing representatives that negotiated the amount you would pay and the services you would receive in exchange. Or do you believe you have a right to not pay for a military that protects you?


"I would actually disagree with MrChrister on this. You can afford yourself the car in this price range paid cash. I don't know how exactly you spend your income, but from my experience, in expensive California, saving $20K a year from $70K income with $800/mo rent is feasible. Having a loan on your credit report which is paid on time and in full will definitely help you rebuilding your credit. Your calculations re the costs of the loan are based on the assumption that you're going to keep the loan for the whole period. Don't do that. See #1 - you can repay this loan much quicker than the 3 years it should originally have been. 6 months of the loan which is then paid off will do marvels to your credit report and credit score. Yes, it is going to cost you some, but in your particular case I would argue that its worth it. You're an adult now, you need credit cards, you'll need a mortgage at some point, you need to rent a place to live - all these require a good credit report. Just waiting, as MrChrister suggests, will help, but much much slower. Having said that, a seller that ""cannot discuss the terms over the phone"" is most likely a dishonest person. Once you're there and in front of him it is harder for you to verify information, resist signing papers, and negotiating."


That's like saying corporations ruin the economy because they employ people that could otherwise start their own successful business. Why didn't those people start a successful business? Why do people work for corporations? Building infrastructure in poor countries adds to the resources that these people can tap into and also adds value to their community.


"I agree about not wanting to get into your friend's personal business, and it's a scummy bill collector that repeatedly calls friends or family to track down a debtor. On the other hand, at least he's made it obvious he's calling about a debt as opposed to pretending to be tracking down your friend with some other pretext. Nevertheless, you want the calls to stop. Here are two suggestions: Perhaps, a small fib: ""The creep owes me money too! Grrr! Let me know when you find him!"" The bill collector probably won't call you again :-) Or, if you're like me and uncomfortable fibbing – even to a scummy bill collector! – then here's a more truthful yet direct approach: ""I told you already it's not my debt, it's none of my business, and that I want you to stop calling me. You have no right to harass me and if you call again I will involve the police. There will be no other warning."" Then have the phone company block the bill collector's phone number from calling you."


"driven by his fervent, conservative belief that debtors should pay creditors all of the money they owe ... yeah right. and wasn't the supreme court decision nearly unanimous? that's a bit more than a ""handful"" of judges. i dunno man. huffpo fails to convince me."


I just researched it a bit more and you are correct. It is essentially only a drive-reduction gear and a reverse gear. This means there is very, very little to be serviced on the entire drivetrain. The biggest service issue is the battery pack, and that has a lifetime that is accounted for in the 8 year warranty limit. So Tesla is not sweating the number of miles, honestly.


Are you trying to figure out if a project would increase the market value of equity? I think your issue is that the Market value of Equity will not be updated with the NPV of 40M (Assuming it is truly +, not sure if it's true with 50M of debt). EV = Market Value of Equity + Debt - Cash and CE Ev - Debt + Cash and CE = Market equity value. So I think you would have to update the market value of Equity up with 40M. This would then lead to EV = Equity Value + future income stream discounted + debt - Cash and Cash Equivalents.


"Alternative Minimum Tax is based not just on your income, but moreso on the deductions you use. In short, if you have above the minimum AMT threshold of income (54k per your link), and pay a tiny amount of tax, you will pay AMT. AMT is used as an overall protection for the government to say ""okay, you can use these deductions from your taxable income, but if you're making a lot of money, you should pay something, no matter what your deductions are"". This extra AMT can be used to reduce your tax payment in a future year, if you pay regular tax again. For example - if you have 60k in income, but have 60k in specific deductions from your income, you will pay zero regular tax [because your taxable income will be zero]. AMT would require you to pay some tax on your income above the minimum 54k threshold, which might work out to a few thousand bucks. Next year, if you have 60k in income, but only 15k in deductions, then you would pay some regular tax, and would be able to offset that regular tax by claiming a credit from your AMT already paid. AMT is really a pre-payment of tax paid in years when you have a lot of deductions. Unless you have a lot of deductions every single year, in which case you might not be able to get all of your AMT refunded in the end. Wikipedia has a pretty good summary of AMT in the US, here: https://en.wikipedia.org/wiki/Alternative_minimum_tax. If you think AMT is unfair (and maybe in some cases you might pay it when you think it's ""unfair""), look at the root causes of paying AMT listed in that Wikipedia article: I am not trying to convince you that AMT is fair, just that it applies only when someone already has a very low tax rate due to deductions. If you have straight salary income, it would only apply in rare scenarios."


Damn Qdoba :P Knows they just lost their only edge with queso coming out. Seriously though this has been my pet theory for a while now. Wouldn't even have to be some crazy conspiracy, maybe just some local restaurant owner whose cousin works at chipotle and had a shitty manager he hated. Hears about it happening before and figures maybe he can boost his business with a copycat crime.


based on my understanding of your query...well you need to understand ATM and ITM options. The delta and gamma factor specifically. Usually delta of ATM is around 0.5 while ITM option is above than that say 0.6 or 0.8 or 0.9 and deep ITM is very close to 1. for every movement of 1 buck the ITM will move say 1.6, ATM 0.5 and OTM 0.3 approx Say a ABC stock price is Rs. 300 so if you check option chart you try to see which one is closer. Suppose you find strikeprice of 320 / 300 / 280. So 320 is ITM, 300 is ATM and 280 is OTM for call options. So will the delta value (e.g 0.66 / 0.55 / 0.35). So suppose if stock price rise by 7% i.e Rs. 321 then strikeprice will rise simultaneously. Say ATM CE300 is rs.10 it will start rising by 0.55 i.e. Rs.10.55. The moment the share price move from Rs.300 to Rs.320 your ATM will turn to ITM. Now the tricker part if you buy OTM and the share price rise by 15% your OTM will now become ITM and your profit will roll around 100% to 120% approx. Hope it answers your query


Traders trade for a living, stockbrokers tell people to get involved in trades for a living. To be employed as a trader, you need a proven track record of being able to consistently make money. To be employed as a stockbroker, you need to get licensed but you don't need to prove you can consistently make money.


In my mind these are quite different, though maybe there is some vague analogy in meta-space that is escaping me. This isn't about manipulating scarcity or demand, it's about manipulating pricing. I guess the common thread is that it's about manipulating. :) The motivation is to skirt the commercial code requirement that you can't charge people differentially by ability-to-pay by dividing the market into a high end and a low end, and giving the people who can't pay as much a less desirable product. In this case, producing the high end product is easily possible to do for everyone, but if you put it at the high price, you'd get too few buyers and if you put it at the low price, you'd leave money on the table. Similar schemes have been used in airlines to charge businesses more by assuming they have to plan things last-minute and making the high price be around changeability of tickets, and assuming vacations are planned longer out and are really being sold to a market of people with less money to spend. By controlling the character of the sale in a situation where delivery of the product costs about the same, you maximize the revenue. It used to be, though no longer is, that phone calls were done this way, too. You got better pricing off-hours even though the phone lines were there 24/7 because it was assumed that the only people who must have phone calls, especially long distance, were businesses who could afford steeper prices. By calling off-hours calling a different product, you could charge less for it and thus do the only thing you really wanted, which is to get maximal amounts of money out of business and non-business people based on their ability to pay, but by a dodge that caused the products to be differentiated, so that it couldn't be said you were charging based on ability to pay.


By reducing your debt you will increase your borrowing capability which will only increase your credit score. But before you start worrying about your credit score as JoeTaxpayer says I would first stop paying 18+% to the bank.


"And what's wrong with lower cost? What makes you entitled to higher wage when someone can do it for lower cost? Why do you like eating like a king in from pre industrial era? Why do you not like paying fortune for bacons? Call it use or abuse. That's how it always have worked and made capitalism so successful. I didn't claim ""in ideal economy"". I said in competitive market. There are many industries that are competitive. Many of them have shown that outsourcing portion of IT is the right move. Even Cloud platform such as Azure and AWS are replacement of some IT work traditionally done. Free trade of goods and services(barring externalities and risks) are econ 101. If you don't get it, I suggest you take up a reading on Ricardian Theory. Honestly, I was lucky to have a good professor go over it with me."


"This is the best tl;dr I could make, [original](http://www.huffingtonpost.ca/2017/08/11/nuclear-fears-wipe-1-trillion-off-global-stock-markets_a_23074645/?utm_campaign=canada_newsletter) reduced by 85%. (I'm a bot) ***** > Many world stock markets have hit record or multi-year highs in recent weeks, leaving them vulnerable to a sell-off, and the tensions over North Korea have proved the trigger. > &quot;Of course, it&#039;s all come at a time when share markets are due for a correction, so North Korea has provided a perfect trigger."" > A Chinese state-run newspaper said on Friday that China should make clear that it will stay neutral if North Korea launches an attack that threatens the United States, but that if the U.S. attacks first and tries to overthrow North Korea&#039;s government, China will prevent it doing so. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6t2oku/nuclear_fears_wipe_1_trillion_off_global_stock/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~188781 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*: **Korea**^#1 **North**^#2 **percent**^#3 **since**^#4 **market**^#5"


Commission or no commission, their level of helpful customer interaction is pretty much dependent on the person. Commission is much better for the Employee if they actually know what they are talking about and allows some with some actual skillful knowledge at you electronic to make a living providing you service. Versus the retail model where you might have a few college kids that no what they are talking about that will be gone as soon as they can find a real job.


The fact that the government is picking and choosing who becomes a domestic shipping monopoly and defending them afterwards with lower shipping rates is in itself the problem, not who it chooses. And you're right. Amazon is hardly alone in recieving this benefit. http://fortune.com/2017/07/16/amazon-postal-service-subsidy/ > Either way, Amazon is hardly alone in getting a boost from the USPS’s complex pricing. Thanks to international agreements through the United Nations, international shippers—especially those sending small packages from China—often get services at substantially below cost. That puts U.S. stores and domestic online sellers alike at a persistent disadvantage. I used to work for a small time consumer goods manufacturer in the rural north. We did not recieve any such benefit for international shipping. Their international customers bore the burden of UPS' rate to get items to the border, a ~$20 Canadian customs rate to get it through the border with often a month long, sometimes longer customs inspection waiting period, and their domestic Canadian courier's rate on top of that. And now because companies like Amazon do get this benefit, among other benefits given to them by our government, more and more of their business is solely reliant on Amazon and they have no negotiating power. This is how increasing the power and scope of government over the production and distribution of goods and services destroys small business and innovation.


"Technically, anyone who advises how you should spend or proportion your money is a financial adviser. A person that does it for money is a Financial Advisor (difference in spelling). Financial Advisors are people that basically build, manage, or advise on your portfolio. They have a little more institutional knowledge on how/where to invest, given your goals, since they do it on a daily basis. They may know a little more than you since, they deal with many different assets: stocks, ETFs, mutual funds, bonds, insurances (home/health/life), REITs, options, futures, LEAPS, etc. There is risk in everything you do, which is why what they propose is generally according to the risk-level you want to assume. Since you're younger, your risk level could be a little higher, as you approach retirement, your risk level will be lower. Risk level should be associated with how likely you're able to reacquire your assets if you lose it all as well as, your likelihood to enjoy the fruits from your investments. Financial Advisors are great, however, be careful about them. Some are payed on commissions, which are given money for investing in packages that they support. Basically, they could get paid $$ for putting you in a losing situation. Also be careful because some announce that they are fee-based - these advisers often receive fees as well as commissions. Basically, associate the term ""commission"" with ""conflict-of-interest"", so you want a fee-only Advisor, which isn't persuaded to steer you wrong. Another thing worth noting is that some trading companies (like e*trade) has financial services that may be free, depending how much money you have with them. Generally, $50K is on the lower end to get a Financial Advisors. There has been corruption in the past, where Financial Advisors are only given a limited number of accounts to manage, that means they took the lower-valued ones and basically ran them into the ground, so they could get newer ones from the lot that were hopefully worth more - the larger their portfolio, the more $$ they could make (higher fees or more commissions) and subjectively less work (less accounts to have to deal with), that's subjective, since the spread of the wealth was accross many markets."


Summarized article: The NASDAQ announced it will offer $40 million to compensate clients who were disadvantaged by technical problems during Facebook's IPO on May 18. NASDAQ's technical glitch caused a delay in the opening of first day trading of Facebook shares and traders experienced slow order confirmations. NASDAQ said $13.7 million will be paid to its affected investment firms and the balance will be given to the firms as credit to reduce trading fees. The benefits would last as long as 6 months. Investors who are eligible for compensation are those who placed orders to buy Facebook shares at $42 or less but were executed at an inferior price or those whose orders went through but were not immediately confirmed. The New York Stock Exchange (NYSE) opposed the compensation offer saying the move would allow NASDAQ to undercut them on prices and would take market share from competing exchanges. NASDAQ's compensation plan is subject to regulator approval. Facebook shares are currently down 30% from the IPO price of $38. *For more summarized news, subscribe to the [/r/SkimThat](http://www.reddit.com/r/SkimThat) subreddit*


There is no research or scientific data to arrive at how much in Single Fund is good, how much is more risky. Its a question of risk appetite, how much money if you loose you are fine. This is similar to making a decision as to how much diversified should a portfolio be ... i.e. what mix of FD/Mutual Funds/Shares/Gold/Real Estate one should have.


It all depends on how much you want to change your phone. Android phone makers do a lot of customization to start with (and include their own crapware). This gives us phones with extra control buttons, more or fewer options (Near Field Communication, wireless charging, etc), and so on. After that, you have options. New keyboard, special favorite Reddit app, etc. I don't see too many missing holes in the iOS apps, but some of my android widgets are missing or missing features (free, good, logging bar code reader that can email a list?).


"P/E is a useful tool for evaluating the price of a company, but only in comparison to companies in similar industries, especially for industries with well-defined cash flows. For example, if you compared Consolidated Edison (NYSE:ED) to Hawaiian Electric (NYSE:HE), you'll notice that HE has a significantly higher PE. All things being equal, that means that HE may be overpriced in comparison to ED. As an investor, you need to investigate further to determine whether that is true. HE is unique in that it is a utility that also operates a bank, so you need to take that into account. You need to think about what your goal is when you say that you are a ""conservative"" investor and look at the big picture, not a magic number. If conservative to you means capital preservation, you need to ensure that you are in investments that are diversified and appropriate. Given the interest rate situation in 2011, that means your bonds holding need to be in short-duration, high-quality securities. Equities should be weighted towards large cap, with smaller holdings of international or commodity-associated funds. Consider a target-date or blended fund like one of the Vanguard ""Life Strategy"" funds."


"You're right, but netting $150,000 a year isn't really even that tough for a savvy individual with the skill set of talented developer. ""Creating an app"" is far from the only option to make that money anyways (in fact, you're probably correct in your condescending tone mentioning it). Why would an intelligent skilled worker tether themselves to a desk in Seattle, when they could easily do just as well financially, and live where, and work when, they please? There are definitely some people who would value the steady, and certain, paycheck. But, becoming a talented developer requires a level of ambition and self-motivation in and of itself that caters to entrepreneurship well. The issue is that MSFT doesn't want to pay what good programmers are actually worth, according to the market. So, they run PR campaigns and lobby the government to bring in workers that will happily work for under true market rate. Granted, these Visa workers pay taxes, and get great jobs. That doesn't really hide the fact that these workers help lower the wages that they ""should"" be paying, according to basic supply and demand."


"Yes- you do not realize gains or losses until you actually sell the stock. After you sell the initial stocks/bonds you have realized the gain. When you buy the new, different stocks you haven't realized anything until you then sell those. There is one exception to this, called the ""Wash-Sale Rule"". From Investopedia.com: With the wash-sale rule, the IRS disallows a loss deduction from the sale of a security if a ‘substantially identical security' was purchased within 30 days before or after the sale. The wash-sale period is actually 61 days, consisting of the 30 days before and the 30 days after the date of the sale. For example, if you bought 100 shares of IBM on December 1 and then sold 100 shares of IBM on December 15 at a loss, the loss deduction would not be allowed. Similarly, selling IBM on December 15 and then buying it back on January 10 of the following year does not permit a deduction. The wash-sale rule is designed to prevent investors from making trades for the sole purpose of avoiding taxes."


"This is the best tl;dr I could make, [original](http://www.bbc.com/news/world-asia-india-40453774) reduced by 50%. (I'm a bot) ***** > India has replaced its numerous federal and state taxes with the Goods and Services Tax, designed to unify the country into a single market. > India says introducing GST will cut red tape and increase tax revenues, fuelling economic growth. > &quot;No country of comparable size and complexity has attempted a tax reform of this scale,&quot; Harishankar Subramanian, of Ernst and Young previously told the BBC. Under the new system, goods and services will be taxed under four basic rates - 5%, 12% 18% and 28%. Some items like vegetables and milk have been exempted from GST, but will still be subject to existing taxes. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6kp8xz/indien_ers\u00e4tter_en_rad_skatter_med_ny_nationell/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~157063 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Tax**^#1 **Services**^#2 **Goods**^#3 **GST**^#4 **existing**^#5"


> … Sycamore lined up financing from **UBS Group AG, Bank of America Corp.’s Merrill Lynch, Deutsche Bank AG, Credit Suisse Group AG, Royal Bank of Canada, Jefferies Group LLC, Wells Fargo & Co. and Fifth Third Bank. Merrill Lynch and Deutsche Bank** … > Staples, meanwhile, got financial advice on the deal from **Barclays Plc and Morgan Stanley** … Any banks in the world missing?


The cost of making a bad hire depends very much on what country you're in. In many European countries workers' rights are very strong and the cost can be enormous as it is difficult to fire people. Much less so in the USA.


It would depend on the bounds of your hypothetical. If the investor group is blind to cost + has infinite money and the existing management is unwilling to comply at any cost, then management will destroy the company before the investor group can take it over. If the existing management follow rational choice theory; then an investment group with unlimited money could take over, hold a special meeting on it, etc. Shareholders can't force management to do anything per se, as management decisions that violate fiduciary duty aren't criminally liable unless the act itself is a crime. So if an investor group were to try a hostile takeover, and Twitter mgmt said we'll see you in hell; then they could just shut down every data center, sell off twitter.com, terminate all the employees, issue a billion new shares, issue every employee a million $0.01 strike warrants, etc. until there's nothing left to take over just to spite them. Defensive strategies get pretty creative and are highly amusing to watch if you don't have a dog in the fight.


Kind of gate to say it but I definitely have the persuasion and people skill part down. Spent 8 years in the therapy field in the military. Definitely interested in tips! I've been watching whatever I can on YouTube that I run across and have watched a few things on vet benefits for government contracts and different things like that but not sure I want to work too much with the government or even have that much of a chance where I'm at. Probably looking more towards construction inspection or land survey stuff. Would absolutely love to get info search and rescue work if I could and do some good if I could


"This is not a problem. SWIFT does not need the Beneficiary Account Currency. The settlement account [or the Instruction amount] is of interest to the Banks. As I understand your agreement with client is they pay you ""X"" EUR. That is what would be specified on the SWIFT along with your details as beneficiary [Account Number etc]. Once the funds are received by your bank in Turkey, they will get EUR. When they apply these funds to your account in USD, they will convert using the standard rates. Unless you are a large customer and have special instructions [like do not credit if funds are received in NON-USD or give me a special rate or Call me and ask me what I want to do etc]. It typically takes 3-5 days for an international wire depending on the countries and currencies involved. Wait for few more days and then if not received, you have to ask your Client to mention to his Bank that Beneficiary is claiming non-receipt of funds. The Bank that initiated the transfer can track the wire not the your bank which is supposed to receive the funds."


If you have two other assets whose payoffs tomorrow are known and whose prices today are known, you can value it. Let's say you can observe a risk-free bond and a stock. Using those, you can calculate the state prices/risk-neutral probabilities. NOTE: You do not need to know the true probabilities. The value of your asset is then the state-price weighted sum of future payoffs.


"Will the investment bank evaluate the worth of my company more than or less than 50 crs. Assuming the salvage value of the assets of 50 crs (meaning that's what you could sell them for to someone else), that would be the minimum value of your company (less any outstanding debts). There are many ways to calculate the ""value"" of a company, but the most common one is to look at the future potential for generating cash. The underwriters will look at what your current cash flow projections are, and what they will be when you invest the proceeds from the public offering back into the company. That will then be used to determine the total value of the company, and in turn the value of the portion that you are taking public. And what will be the owner’s share in the resulting public company? That's completely up to you. You're essentially selling a part of the company in order to bring cash in, presumably to invest in assets that will generate more cash in the future. If you want to keep complete control of the company, then you'll want to sell less than 50% of the company, otherwise you can sell as much or as little as you want."


"Good for them. Look how much time different countries spent competing over the Blue Riband (awarded to the fastest trans Atlantic crossing) before the Jet Age took over. Fixed rail infrastructure for passenger transportation in anywhere other than highly dense areas is a money loser. On the other hand, we're on the event horizon of a new age of AI capable of powering vast ""trains"" of automated individual modules on the infrastructure we've already built (roads and interstates). Wasting any more money on passenger rail isn't the way to go."


Calculating and adjusting cost basis accurately is a daunting task, but there is a (paid) online tool, NetBasis, which will automatically calculate and adjust your cost basis. It is used by brokerage firms and Fortune 500 companies and is available to the public. Go to netbasis.com. All you need are the purchase and sale dates and shares of the stock or mutual fund and the system has the rest of the information, such as corporate actions (splits, spin-offs, etc), pricing, and dividends and it also will apply the appropriate IRS rules for inherited and gifted shares. The regulation also gives investors the option to choose calculation methods. Not only does NetBasis automatically calculate the method you choose, it will also give the results for all options and allow you to choose the best result. NetBasis also provides you with detailed supporting documentation which shows all of the calculations and the adjustments in chronological order. NetBasis has data going back as far as 1925, so it will accurately calculate cost basis for your old American Telegraph and Telephone shares. NetBasis also handles complex investment scenarios such as wash sales, short sales, return of capital, etc. Moderator's note: Disclosure: The answerer's profile indicates they are affiliated with NetBasis.


Aspirin is acetyl salicylic acid. You can get this from almost every drug company on this planet, nothing special tied to Bayer. And remember it's not candy, don't take 20 a day, that could be dangerous.


They haven't been doing very well for a while. Their stock was in a downward trend since October 2006. They had an upward trend since 1986, then in 2006 they transitioned to a downward slope. Their stock plummeted in 2008, then rebounded shortly after (due to the bailout?) to continue its downward trend.


That's definitely not indicative of all available ISPs. I live in an area with Charter that also has 3-4 other local telco's providing a mixture of phone/data/cable services. I don't know that there's much overlap, and Charter owns a big chunk of the area, but there's definitely competition.


You're right, history is on your side, if you are comparing one extreme (communism or other extreme forms of socialism) with another less extreme model (your preferred version of capitalism). I think it can be more balanced and actually productive than both of those particular models.


It's important because it shows that the amount you owe does not decrease linearly with each payment, and you gain equity as a correspondingly slower rate at the beginning of the loan and faster at the end. This has to be figured in when considering refinancing, or when you sell the place and pay off the mortgage. It also shows why making extra payments toward principal (if your loan permits doing so) is so advantageous -- unlike a normal payment that lowers the whole curve by a notch, reducing the length of time over which interest is due and thus saving you money in the long run. (Modulo possible lost-opportnity costs, of course.)


"Hi guys, hopefully someone reads this even though this thread has gotten kind of old. Might ask again next week. Anyway, I'm a finance student and currently an intern for a big FS company. My internship is pretty fun and I'm learning a lot, but very little technical skills (the internship is in compliance and that's not where I want to end up after I graduate). My question is, over the summer, what should I learn? As in, take online courses on coursera or by reading a book. I know you'll probably answer ""Whatever interests you"", but with limited knowledge on the matter, it all seems equally interesting to me. Should I try myself at programming? What language? Should I learn excel modelling? Does anyone have any suggestions?"


I do this often and have never had a problem. My broker is TD Ameritrade and they sent several emails (and even called and left a message) the week of expiry to remind me I had in the money options that would be expiring soon. Their policy is to automatically exercise all options that are at least $.01 in the money. One email was vaguely worded, but it implied that they could liquidate other positions to raise money to exercise the options. I would have called to clarify but I had no intention of exercising and knew I would sell them before expiry. In general though, much like with margin calls, you should avoid being in the position where the broker needs to (or can do) anything with your account. As a quick aside: I can't think of a scenario where you wouldn't be able to sell your options, but you probably are aware of the huge spreads that exist for many illiquid options. You'll be able to sell them, but if you're desperate, you may have to sell at the bid price, which can be significantly (25%?) lower than the ask. I've found this to be common for options of even very liquid underlyings. So personally, I find myself adjusting my limit price quite often near expiry. If the quote is, say, 3.00-3.60, I'll try to sell with a limit of 3.40, and hope someone takes my offer. If the price is not moving up and nobody is biting, move down to 3.30, 3.20, etc. In general you should definitely talk to your broker, like others have suggested. You may be able to request that they sell the options and not attempt to exercise them at the expense of other positions you have.


I imagine most of the design work will go on back in Sweden, other than maybe with respect to the electric powertrain. Same with the assembly, although it will likely use more parts from affiliates of the investors (which, likely won't be a major difference considering the % of auto parts which are already manufactured in China).


You sound like you are budgeting too much for food. Try limiting yourself to $200 a month for food and take that out in cash. When it's up, it's up. It's a hard way to learn but if you can tackle that, then budgeting for other things gets easier. In terms of your fear of doing a financial bellyflop, which is valid, it sounds like you may need to both sit down and learn a little more about personal finance. Try mrmoneymustache.com or fivecentnickel, or any of the other frugal living blogs that are out there. There are whole communities that can help you and give you tips to do more with less, and learn budgeting and finance and how to handle your money and your future. And no worries, the fact you are concerned enough to look for direction now means you may be able to avoid your fear completely.


"As others are saying, you want to be a bit wary of completely counting on a defined benefit pension plan to be fulfilling exactly the same promises during your retirement that it's making right now. But, if in fact you've ""won the game"" (for lack of a better term) and are sure you have enough to live comfortably in retirement for whatever definition of ""comfortably"" you choose, there are basically two reasonable approaches: Those are all reasonable approaches, and so it really comes down to what your risk tolerance is (a.k.a. ""Can I sleep comfortably at night without staying up worrying about my portfolio?""), what your goals for your money are (Just taking care of yourself? Trying to ""leave a legacy"" via charity or heirs or the like? Wanting a ""dream"" retirement traveling the world if possible but content to stay home if it's not?), and how confident you are in being able to calculate your ""needs"" in retirement and what your assets will truly be by then. You ask ""if it would be unwise at this stage of my life to create a portfolio that's too conservative"", but of course if it's ""too conservative"" then it would have been unwise. But I don't think it's unwise, at any stage of life, to create a portfolio that's ""conservative enough"". Only take risks if you have the need, ability, and willingness to do so."


I would pile up your extra cash to use when you won't be able to work as much. This will prevent you from adding debt during that time. Because you'll need the money in the short term (less than 5 years), your best place to put it is a savings account earning a dismal amount of interest.


Are you planning to not pay taxes? Any time someone has income in the U.S., it is subject to U.S. taxes. You must file tax returns (and pay taxes if necessary) if you have income above a certain threshold, regardless of whether you're not authorized to work or not. If you plan to intentionally not pay taxes, then that's a whole other matter from working without authorization. Working without authorization is an immigration issue. It probably violates the conditions of your status, which will make you to automatically lose your status. That may or may not affect when you want to want to visit, immigrate to, or get other immigration benefits in the U.S. in the future; and at worst you may be deported. It's a complicated topic, but not really relevant for this site.


"The problem is that if you sold off in 2010 you missed on out the market practically doubling itself. I would definitely be kicking myself. No, it's not sustainable but no one knows what the market is going to do compared to other assets. Is the economy going to grow into the market, is it going to double dip? ""When"" is a key factor here."


Aside from the averages mentioned by Jahlapenoez, it may also be useful to group depositors into different categories based on account size and transaction history (# of deposits, # of withdrawals, size of each, etc.) then track how those numbers change on whatever time periods you need to capture. Analysts can use that to see what's going on with outliers as well and assign profitability metrics for the different groupings. It really helps to have the data structured in a way that allows analysts to ask these questions and retrieve them easily. So the data discovery process will be helped or hindered a lot by the maturity of the bank's data warehouse as well as the tools used for data analysis.


Not only is this article just referencing another longer article, but that article does nothing to explain WHY there is this difference. It's frustrating because I'd like to know why. They say it's because of a different configuration of culture, the law, and unions. Uh, okay. That explains nothing.


What if there is only one trading day and the volume is smaller than the open interest on that one trading day. This is assuming there is no open interest before that day? I pulled this from a comment. This can't happen. We have zero open interest on day one. On day 2, I buy 10 contracts. Volume is 10 and now open interest is also 10. Tomorrow, if I don't sell, open interest starts at 10 and will rise by whatever new contracts are traded. This is an example. I removed the stock name. This happens to be the Jan'17 expiration. The 10 contract traded on the $3 strike happen to be mine. You can see how open interest is cumulative, representing all outstanding contracts. It's obvious to me the shares traded as high as $5 at some point which created the interest (i.e. the desire) to trade this strike. Most activity tends to occur near the current price.


I remember first encountering an ANA unit. I asked one soldier what his rank was. Private (lowest rank). I asked him about his training. 4 weeks, part time. He only had one day of shitty hand-me-down soviet rifle training. He seemed kind of afraid of it. About 40 in his unit, all but three had similar levels of experience. Ok. Not sure how that is supposed to work. I asked who his superior was. “There’s one Sergeant with 2 years experience in the unit who makes all the decisions”. Anyone higher ranking than that? Nope. Any officers who can, I dunno, make tactical decisions so you guys aren’t just randos running around with rifles? Nope. The Sergeant had an old RPG. “Do you guys have any artillery, air support, etc?” Nope. What do you do if you get in a fight and you’re outnumbered? “Ask Americans for help”. Mmkay. This probably isn’t going to work very well, I thought. Spoiler alert: It did not work out well. Not my area of expertise, I was never responsible for training or involved in units who were (however I did meet a fair number of ANA units). My impression was that none had received equipment or training that would make them suitable replacements to take over security in the event of a NATO withdrawal. This was 8-10 years in. From what you still see in the news, I imagine this is still the case.


my concern is any possible secondary effects. If it's isolated to cars- nbd- but if the majority of Americans take their car to work and we see a cascade of people losing income, and people failing to pay mortgages/rents then can it snowball?


> You are aware that online advertising spending recently overtook tv, right? It had a lot of people in the ad world screaming that tv advertising is dead and online is the only possible future. That's a very narrow perspective to base your conclusions on. The fact is I know what I'm talking about. When a computer and internet expert gives you tips about the internet what you should do is shut up and think of how to use that knowledge to your advantage, instead of being mean.


> Many more people are eligible for subsidies **but haven’t yet signed up**. We estimate (using the approach described here that a total of **9.5 million uninsured people are eligible** for subsidies in federal marketplace states so, clearly, subsidies are a very limited incentive


>Most other people would actually get a better deal than me in a private road system. How much of a better deal? Give me some estimates, any numbers at all. Because I can't imagine how a for-profit road can be any cheaper than a not-for-profit road. > I don't think the Federal government should do anything beyond protect your basic rights. Most roads aren't the federal government. In fact very little are. The interstate system makes up like 1% of the roads. Does this mean you're cool with states and counties taking over the road system? >I'd gladly pay more because I'm choosing to pay more than be forced to pay That sounds like an awful way to look at it. You're willing to pay for the privileged of someone else not getting something paid for? I know this is your opinion, but you have to understand why this couldn't possibly be appealing to very many people.


Corrupt country leaders will probably rape it dry for their personal gains. Next thing you know, the secretary of state is getting $100000 loan with 1 percent interest when the country national bank lending money to its people at 25% percent interest.


> “**It is important that we get our economy growing again through savings and investment, not more debt and deficit spending**. But we can’t turn the economy around until we fix the root of the problem: an unaccountable Federal Reserve. A complete and thorough audit of the Fed will finally allow the American people to know exactly how their money is being spent by Washington.” Why don't the US people get this simple fact is beyond me ><


I've personally gotten better experiences on Lyft going back at least a year and their drivers have said they prefer it to driving for Uber, even if it's obviously a small biased sample. That it's not as combative with city governments or drivers likely has helped its case even if not every potential investor or firm sees it that way just yet.


Depextechnologies.com provides Foodpanda Clone Script for Food Ordering at resonable price. Depex develop the portal for online food ordering website to help them for entrepreneur start the business like foodpanda, and Just Eat website features with lowest cost, because the food industry is the most growing business. For all details about their products and services go through their website.


I'm in connecticut and I have met with RobertHalf and another recruiting firm. They both said they would be in constant contact with me yet I haven't heard from either so far. I have emailed and called and haven't gotten much. I try to apply to at least 4 or 5 new positions a day but never hear anything back. [This](http://www.w3schools.com/sql/default.asp) is what I have been trying to familiarize myself with just to get the gist of SQL.


"Inflation means that the more money you create, the less it has value. To that I say, ""Meh."" A funnier way of gaining wealth, which is the ultimate goal to stealing currency, would be to gain a great deal of money (through robbery or other means) then attempt to trigger a deflationary spiral while sitting on the cash. Sure it might be difficult, but I'm pretty sure the key is jacking up Fed interest rates and blowing up money printers."


Are these all questions you want answers to because you are planning to help me or do you just want to know? I will most likely not go any further with this idea. But if you really want to know just tell me and I will get back to you with the answers. Edit: Sorry if I sound rash but I kind of lost hope for this by looking at the responses I got for this same post on /r/PCMasterrace


Part of the TJ's business model though is that they are almost always placed near a larger full service store. The idea being, you shop at JT's first to save money, and they only sell items with a higher margin which accounts for the higher wages they can pay. Then, if you still need a specialty item, you run next door. The less choice option doesn't work as well in isolation, so saying everyone should sell less items and only high margin items so they can pay more would leave us with stores like Trader Joe's, with the same selection as Trader Joe's. And a relatively undeserved market. Once everyone has the same selection again, they have to start competing on price which means someone will open a TJ, pay their people shit and sell the same things as them.


"There are broadly two kinds of pension: final salary / defined benefit, and money purchase. The text you quote above, where it talks about ""pension"" it is referring to a final salary / defined benefit scheme. In this type of scheme you earn a salary of £X during your working life, and you are then entitled to a proportion of £X (the proportion depends on how long you worked there) as a pension. These types of scheme are relatively rare now (outside the public sector) because the employer is liable for making enough investments into a pot to have enough money to pay everyone's pension entitlements, and when the investments do poorly the liability for the shortfall ends up on the employer's plate. You might have heard about the ""black hole in public sector pensions"" which is what this refers to - the investments that the government have made to pay public sector workers' pensions has not in fact been sufficient. The other type of scheme is a money purchase scheme. In this scheme, you and/or your employer make payments into an investment pot which is locked away until you retire. Once you retire, that pot is yours but there are restrictions on what you can do with it - you can use it to purchase an annuity (I will give you my £X,000 pension pot in return for you giving me an annual income of £Y, say) and you can take some of it as a lump sum. The onus is on you to make sure that you (and/or your employer) have contributed enough to make a large enough pot to give you the income you want to live on, and to make a sensible decision about what to do with the pot when you retire and what to use it as income. With either type of scheme, you can claim this pension after you reach retirement age, whether or not you are still working. In some schemes you are also permitted to claim the pension earlier than retirement age if you have stopped working - it will depend on the rules of the scheme. What counts as ""retirement age"" depends on how old you are now (and whether you are male or female) as the government has been pushing this age out as people have been living longer. In addition to both schemes, there is also a ""state pension"" which is a fixed, non-means-tested, weekly amount paid from government funds. Again you are entitled to receive this after you pass retirement age, whether or not you are still working."


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Got a degree in finance and I'll talk about simple ways to really improve your learning experience: excel will be your best friend. Get comfortable with it. Learn; pivot tables, formulas, formatting, and macros. Learn to type at a decent speed. Many students still type slow. It will hinder you Current events is the best way to stay informed. Always be reading up on business information. Pretty much twice a day. Join a free stock market game and track how you do. Get on it twice a week and make trades frequent based on what you think. I can elaborate more if you have any more questions !