There's a very small subset of people that I think could legitimately use the Amazon Echo-Alexa / Google Home-Assistant thing, and they're generally, in my mind, single and affluent. The kind of person that really loves the idea of full home automation, and doesn't have anyone around to fuck with the voice commands. I, for instance, would probably get one of these things if I lived alone. I'd love to dim the lights, play a movie, and say, order a pizza whilst shouting into the ceiling. I don't think I could pull that off or sell the cost or utility to the SO.


[Olivetti minidisc](http://www.obsoletemedia.org/olivetti-minidisc/) maybe? > Olivetti used the minidisc in 1978 in its TES (Text Editing System) 401 word processing system, where capacity was increased to 7.5 KB http://www.storiaolivetti.it/upload/tes401_b.jpg LED panel, not LCD (I think) but fits the narrative otherwise...


"An option is a financial instrument instrument that gives you the right, but not the obligation, to do some transaction in the future at a given price. An employee stock option is a kind of ""call option"" -- it gives you the right, but not the obligation, to buy the stock at a certain price (the ""exercise price"", usually set as the price of the stock when the option was granted). The idea is that you would ""exercise"" the option (buy the stock at the given price as provided by the option), if the value of the stock is higher than the exercise price, and not if it is lower. The option is gifted to you. But that does not mean you get any stock. If and when you choose to exercise the option, you would buy the stock with your own money. At what time you can exercise the option (and how many shares you can exercise at a given time) will be specified in the agreement. Usually, you can only exercise a particular share after it has ""vested"" (according to some vesting schedule), and you lose the ability to exercise after you no longer work for the company (plus perhaps a grace period), or after the option expires."


The desire to be debt free is smart; but I think the purpose of a large group is motivation and peer pressure. Getting out of debt faster isn't going to work mathmatically. (I can't reason a scenario where the group's collective power doesn't favor one individual in the group over another.) All of the following conditions must be met: If any single thing fails, or if anybody changes their mind about how they feel about paying another person's debt, this plan will breakdown quickly and get very ugly. Please notice most of those items are emotions, which cannot be planned nor controlled. Bottom line: Don't do it. The risks are too high compared to the average reward. If your family could pull it off, a better plan would be to sell a reality show about the magical family who never fights and always puts the good of the others before themselves. Everybody do a debt snowball individually but have an email group, weekly group call, regular family meeting, group chat session or dinner event where you encourage each other, talk about the success, failures and openly discuss everybody's situation. This is called a support group and they can be more effective than doing it on your own. Go around the table and This will require humility, patience and grace from the participating family. It will rely on similar peer pressure to succeed as a single group, without all of the very real pitfalls and very real consequences of a individual failing in a big group.


For the clearing house, only the routing number and the check amount [which gets encoded before its presented to clearing] is important. The check numbers were put in as a fraud prevention mechanism to ensure that one check was only presented once and that it was issued to a particular account. Typically issued in sequence. So as your account is new, the bank may have a mechanism to verify the checks [maybe based on amount and other info]. If your volume of check issuing increases, they may start putting in a check number to better track.


Activist Investor is the entrenched capitalists fake news meme. Trump wants to pass a law that says shareholders don't even get a vote until they pass a certain threshold on ownership % of a company so they can keep all the little people from having any say. Ownership isn't really ownership unless you're rich I guess. Democracy bad! Freedom! America!


Wow, glad I found this. I take the 7 tomorrow morning at 9:15am. I started going section by section, then I got to Options and got a 40% so I swore at the computer and money and everything else within view, and then I sat down and walked through about a million scenarios until I had it down. Using Knopman (but Kaplan materials for the most part, including the Qbank site), and I've been scoring anywhere from 74 to 80. I'm taking my last practice exam now, and then after reading this, instead of cramming, I'll be heading home to hang with the wife and daughter and relax. We'll see.


"A financial engineering degree will help you get your foot in the door, and IEOR is a pretty good background to start with, but you should also just try applying to interesting-sounding things right now. If you get lucky, you'll have saved yourself a lot of time: work experience trumps financial engineering. I don't know quite how to say this politely, but there's a chance that if you do a full-time Fin Eng masters, you'll bump yourself out of the ""smart junior guy who we'll train"" category into the ""this guy is supposed to know something"" category. For my own group, the just-out-of-college people we've hired have been people who did internships with us before, which is no help at all. The interviews that I've done have been mostly looking for people with significant industry experience, and the FE degree won't help with that. It's a bit of a crapshoot. I'm not sure what to suggest, but I'll happily answer questions."


A tax on organic (food) waste will probably be the only effective lever. Perhaps cataloging food waste produced at farms, to try and tune in some synergies in the food industry. I know some large Australian Universities are investing heavily in this space. Waste to resource type projects, using bio-reactors and the like. Composting the residue to put back in to the productive lands is also a big part of reducing and improving outcomes.


I think this is a bit of fallacy. Capital is not a fix thing. If there is value to be realized, business can find the money. The issue really is that the job is hard and the company views it as a cost, not an investment.


The author sounds like a raging corporate apologist and so do most of the commenters here on reddit, which really surprises me. If Target staff allowed customers to purchase gift cards as part of this promotion, then isn't it Target's fault for not training their staff properly with regard to how to handle this promotion? (IANAL)


"Not unless you have something else to put up as collateral. The bank wants a basic assurance that you're not going to immediately move the money to the Caymans and disappear. 999 times out of 1000, the collateral for a home mortgage is the home itself (which you wouldn't be able to take with you if you decided to disappear), so signing up for a 30 year mortgage on a nonexistent house is probably going to get you laughed out of the bank. It's sometimes possible to negotiate something else as collateral; you may, for instance, have a portfolio of securities worth the loan principal, that you can put in escrow for the term of the loan (the securities will stay in your name and make you money, but if you default on the loan the bank goes to the escrow company and takes the portfolio for their own). The bank will consider the risk of value loss on the securities in the portfolio, and may ask for a higher collateral value or only allow a lower loan amount. In all cases, it's usually a bad idea to go into long-term personal debt just to get ""cheap money"" that you can use to beat the interest rate with some business plan or investment. If you have a business plan, take that to the bank with an LLC and ask for a business loan. The business itself, if the plan is sound, should become valuable, and the terms of business loans take that into account, allowing for a ""shrinking collateral"" transferring the initial personal risk of the loan to the business."


> checking account normal? Not really, only if you have a small account. It usually works that you get a monthly fee if you have under a certain amount of money in the account. So normal for poor people who the banks don't want to deal with. Not normal for people who have some money.


Terrible analogy. It's a gross oversimplification and any attempt to respond within it's parameters won't make sense. Boeing wants to reduce costs in order to remain competitive and because it's a public company. Boeing's union workers are overcompensated. They want to move states in order to reduce labor costs. Washington State paid out to keep them around.


The alternatives are practically perpetual with linen suits for men, the search is ideal for summer, pushing it flawlessly amongst shrewd and easygoing and offering so much adaptability. In case you're hoping to keep the look keen, then match your suit with a shirt and tie mix. In any case, what shirt to wear with a material suit? Well even this mix can accomplish various impacts, contingent upon the style of suit and selection of hues, so there are various alternatives.


">Agree 100 %. > >Nothing drives me more batty than when I hear a health food nut complaining about GMO food or ""chemicals"". I ALWAYS challenge them on it. > >RE GMO: ""Do you eat apples and bananas? Did you know farmers have been gene splicing apples and bananas since the 1800s? There has literally not been a single apple sold in stores since the early 1900s that is not spliced. All of those Apple"" varieties"" in the store are a result of splicing over the years, including your overpriced ""organic"" ones. There is a vast difference between grafting tree branches for ideal traits, and inserting specific strings of genetic code from an organism that cannot otherwise contribute its DNA. And part of participating in organic food production is a discontinuation of petrochemical fertilizer. Yes, we use vast amounts of petroleum product to fertilize farmland. If you want to reduce our reliance on fossil fuels, organic production is part of that. Another part is the elimination of nasty industrial pesticides, like those that are causing bee colony collapse syndrome. CCS is a huge problem not because honey is tasty but because bees pollinate a wide variety of trees that produce food. Participating in organic food production is not a hazy Mother Earth granola fest. The concerns are material and immediate. I don't even eat granola. To many carbs."


All of these big social media companies lie to the users, and folks give them a free pass. Google, FB, Twitter, and of course reddit. Hell... some folks are 'fans'. The Google fan-base is more rabid than Apple crowd. None of these give a rats ass about any of us as individuals. It's about the bottom line. The buck stops there. If it's not money, it's not in the equation.


I find it funny that I was downvoted and you were upvoted. The article about this today says that 230,000 jobs were expected, not 200,000. The unemployment rate went from 6.1% to 6.2%. So tell me again how this is good news?


I'm not comparing the OWS with the tea party... How were the protests at UC Davis violent and deserving of pepperspray? >The right to peacefully assemble does not mean you can encircle and block the police from doing their lawful job Correct. So you feel the proper response is to pepperspray people? Isn't there a better way to move people out of the way? My point was that in the past workers fighting for some workplace safety and better wages had pinkertons kill them because they protested. People fought very, very hard and some died to get where we are currently and with the police and the people okay with pepperspraying I am worried about the bloodbath that might occur when we have to fight again for workplace safety. >currently politicians are rolling back those protections >No, they're not. They are... OSHA is being targeted for budget cuts. If there are no OSHA agents checking that workplaces are safe, then workplaces can and will offer less protections to their workers... Let me ask you a question, what prevents a race to the bottom with wages and benefits if people don't collectively bargain?


So the Euro was doomed from the start because there was no provisions of kicking out and/or halting countries from excessive borrowing? I think the Euro is stronger in the long run because no single country can put inflationary pressure on the Euro due to irresponsible borrowing by that single state (e.g. United States). In the end of the day, they have to work their way out of debt with real economic growth thusly making it an attractive currency for the long term.


> False equivalency Show me the data that says right wing studies are proven wrong more than left wing studies. I'm fairly certain that data does not exist. Also, you better not show me data from a left wing source or I will have to ignore like you are doing to this data. Sure, be skeptical - dig in. FIND WHAT IS WRONG WITH THE DATA AND QUIT BITCHING ABOUT FUNDING EDIT: Downvotes must hate the idea of scientific inquiry, which is all I am asking


"There's a difference between missing a payment and ""carrying a balance"" (making an on-time payments that are less than the full balance due). I have heard mortgage brokers claim that, if you have no other credit history, carrying a small balance here and there on a credit card may improve your score. (""Small"" is in relation to your available credit and your ability to pay it off.) But actually missing a payment will probably hurt your score. Example: You have a card with a credit limit of $1000. In July you charge $300 worth of stuff. You get the next statement and it shows the balance due of $300 and a minimum payment of $100. If you pay the entire $300 balance in that cycle, most cards won't charge you any interest. You are not carrying a balance, so the credit scores may not reflect that you actually took a $300 loan and paid it off. If you instead pay $200, you'll be in good standing (because $200 is greater than the minimum payment). But you'll be carrying a $100 balance into the next statement cycle. Plus interest will accrue on that $100. If you do this regularly, your credit score will probably take into account that you've taken a small loan and made the payments. For those with no other credit history, this may be an appropriate way to increase your credit score. (But you're paying interest, so it's not free.) And if the average balance you carry is considered high relative to your ability to pay or to the total credit available to you, then this could adversely affect your score (or, at least, the amount of credit another provider is willing to extend to you). If you instead actually miss a payment, or make a payment that's less than the minimum payment, that will almost certainly hurt your credit score. It will also incur penalties as well as interest. You want to avoid that whenever possible. My guess is that, in the game of telephone from the banker to you, the ""carrying a balance"" was misinterpreted as ""missing a payment."""


"This is the best tl;dr I could make, [original](http://www.aljazeera.com/news/2017/10/israel-maintains-robust-arms-trade-rogue-regimes-171022100816302.html) reduced by 94%. (I'm a bot) ***** > The issue of Israel&#039;s trade with rogue regimes has been thrust into the spotlight again after revelations that it is sending weapons to Myanmar, in defiance of a US and European arms embargo. > &quot;Many Western states sell arms, but what&#039;s unique about Israel is that, wherever war crimes and crimes against humanity are being committed, you find Israel is present,&quot; Mack told Al Jazeera. > &quot;The benefits for Israel are not just measured in money. Often even more important are the diplomatic and strategic alliances Israel can gain from this arms trade."" ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/7879bm/israel_maintains_robust_arms_trade_with_rogue/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~233436 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*: **Israel**^#1 **arms**^#2 **Israeli**^#3 **Myanmar**^#4 **weapons**^#5"


In general, the short answer is to use SEDAR, the Canadian database that compiles financial statements for Canadian companies. The financial statements for Pacific Rubiales Energy Corp can be found here. The long answer is that the data might be missing because in Canada, each province has their own agency to regulate securities. Yahoo might not compile information from such a wide array of sources. If other countries also have a decentralized system, Yahoo might not take the time to compile financial information from all these sources. There are a myriad of other reasons that could cause this too, however. This is why SEDAR is useful; it 's the Canadian equivalent of the SEC's EDGAR database, and it maintains a sizeable database of financial statements.


You're on the right track, and yes, that small difference is subject to income taxes. Do you use a payroll service? I do the same thing and use my payroll software to tweak the salary until the paycheck is just a few dollars every month (we run payroll once a month), with the rest going to the 401(k) and payroll taxes. So we're rounding up just a bit just so there's an actual paycheck with a positive number, and a bit does get withheld for fed/state income tax. Also keep in mind you can make a company match. If your plan is a solo 401(k) with just you and your wife as the sole employees, consider the 25% match for both of you. The match is not subject to payroll taxes because it is a company expense. IRS web page: http://www.irs.gov/Retirement-Plans/One-Participant-401(k)-Plans


"Amazon sellers have themselves to blame for this. Every single time I've had an issue with shipping (2 weeks for a ""2-day delivery), getting the wrong item, getting a broken item, etc. it is from a seller that isn't amazon. Additionally, their ""Prime"" items are often from third-party sellers that don't give a shit. Amazon could do this, or reign in the third party sellers. This seems easier."


Very odd site, it seems extremely useful but then there are douchey users with superiority complexes that may or may not be real, lmao. Good point the manager made, cost of living in NY is damn expensive and unless you get aggressive with all the other schmucks there and move up you're not doing yourself a huge favor. I'd take the guaranteed cash, regular hours, and strong possibility of moving high up in the smaller company. Although both options aren't want I'd want to be doing for the rest of my life.


Without access to the ATM/debit card and with almost nothing in savings, you will probably have to visit a branch to make a cash deposit. If it is too far to drive you might be able to turn the cash into a money order and mail it to the bank, but I would check with the bank to see if that would work. Of course mail will take a day or two.


Here is a list of solutions I would use starting with the easiest:


Exactly. I don't mind my personal information being used to make LinkedIn money -- they provide value back to me by letting me keep track of business relationships. That has a different dollar value for different people, but for me it's pretty high.


I would like to avoid this, so what I'm thinking about is to open a bank account abroad, and use Transferwise to transfer my HUF to that account. Do you think this makes sense? It does make sense. The challange is to find a Bank that will allow you to open an account online. Are there any more effective way to save money? Try prepaid cards. You should be able to get these from normal Banks in Hungary or other reputed financial institutions. You will have a visibility of the rates and it would be one time conversion.


Everyone should keep track of what they spend. When you see how much you are spending on each category of expense, you can make good decisions about how much your life is improved by something vs. how much you spend on that thing. Everyone makes better decisions when they are informed by accurate information about those decisions. There's no reason why personal finances are different from any other decision you make in life. This remains true whether you make very little or very much. Some people define rich as being able to live on less money than you earn.


Some can't see there is a bigger picture here. Our government has some long standing issues that need addressing regardless of who is president. Meh, don't care much about downvotes from clever monkeys who'd rather engage in a political pissing contest.


Socialism is not mentioned anywhere in the article, and price controls existed in human civilization before socialism was a concept. Secondly, stocked supermarkets are not the same as population's well being. I was in Soviet Union in the middle of perestroika when the system went from everybody having money and there was nothing to buy, to supermarkets having everything and no one having cash. The quality of life was actually going down precipitously for vast majority of the population, and they didn't quite recover to this day (although there is absolutely no shortage of $3000 lingerie sets at fashion stores on Tverskaya).


This entire situation is extremely far from the revenue generating aspects of the company. If they can contain this issue within a year and a half and within many dozens of millions of dollars, I don't see it affecting them. They've already endured plenty of bad PR seemingly unscathed and have large cash reserves. Everybody still wants their shares too, it's not like they're tanking. Regulations, driver unionization, and slow CEO turnover are much bigger threats.


Yea I know they are. I want to get them out of the way though and my firm gives me the support to take whatever. Cfp I'm looking at a year or more of studying. 9/10 I could crank out in a couple of months. Not sure if I want to go management or consultant route. But thank you!


Double majors are a huge waste of time for these jobs. Literally no one gives a shit. /u/zacharyheat/, ignore this person. Go for lower and mid-tier banks to get started. Depending on where you are in the SEC, that means BBVA Compass, BB&T, SunTrust. If you're at a targeted school, can try for BofA/Wells in Charlotte, but the GPA is going to be an issue.


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Automation is definitely closing the cost gap. But for reasons that go well beyond automation alone. You have to look at the entire supply chain, not just your in plant cost of adding value to products. Even something as simple as waiting days or weeks to get parts for something that broke that can multiply the $1k a year labor cost many times. You can't just call the local hardware store in many places to solve even relatively simple problems. Then you have to worry about the logistics of getting your finished product transported to external markets. Especially when much of the transport is done over poorly maintained, or even gravel roads full of pot holes and rain gullies. How much durable capital, both coming and going, gets damaged in the process? This is even before taking the uncertainty cost of corruption and bribery into account. Even just simple problems can easily cost you a week labor out of each month, and the supply chain issues add up nonlinearly. As the factory itself becomes more automated the cost of these supply chain issues just keeps increasing relative to other cost, even as the supply chain cost remains constant. Hence the supply chain cost, as a ratio of total cost, actually goes up faster than the rate at which automation itself is increasing. Which requires a fully modernized infrastructure and business environment to address. Something that is extraordinarily expensive to build from scratch.


>> only indicate interests > Yet you said you would not hire based on the undergrad. You really try to NOT understand what I said and even fail in common sense, that I have. I said that given a choice between a Music major and an IT major for entry level position, no experience needed, I would definitely not hire Music majors. I would only hire IT majors. Would you do differently? Yes or no? And if you insist on remembering the wrong things, I also said the for more advanced positions, what counts is the experience and knowledge, regardless of original degrees. Did I say that? Yes or no? I also said that someone who studied 7 years Music for a BA and a Master is very unlikely to be an IT expert. Their real interests are not IT. So I would extremely suspicious if they become CHIEF Information Security Officer. Susan is the proof of all that: failure in her music career, failure in her IT security career, total corrupt corporate hiring process, and she's responsible for the biggest breach of personal data in history. P/S: You know that she was fired from Equifax! Any ideas why, if she's such a qualified person? Maybe it's not her fault at all and some idiot IT expert working for her caused all the issues? Do you know why I asked this last question, that maybe it's an IT expert working for her who caused the issue? Guess!


Document everything. Never let it be your word against her. When you have enough contact HR. As the investigation gets started make the point that your work environment has become intolerable and that you intend to work elsewhere. In the most polite of ways ask for a positive recommendation. Assuming your boss isn't fired. If she you could stay.


PayPal transactions are not taxed in Australia. Income is taxed, and Ad network income is income. Your relative will receive the money, and will have to declare the income so it can be taxed. Your relative will then have to pay the tax. If you are to do this, you should transfer enough money from each payment for your relative to pay the tax; the rest you can move around however you wish.


1) The risks are that you investing in financial markets and therefore should be prepared for volatility in the value of your holdings. 2) You should only ever invest in financial markets with capital that you can reasonably afford to put aside and not touch for 5-10 years (as an investor not a trader). Even then you should be prepared to write this capital off completely. No one can offer you a guarantee of what will happen in the future, only speculation from what has happened in the past. 3) Don't invest. It is simple. Keep your money in cash. However this is not without its risks. Interest rates rarely keep up with inflation so the spending power of cash investments quickly diminishes in real terms over time. So what to do? Extended your time horizon as you have mentioned to say 30 years, reinvest all dividends as these have been proven to make up the bulk of long term returns and drip feed your money into these markets over time. This will benefit you from what is known in as 'dollar cost averaging' and will negate the need for you to time the market.


As I write this, the NASDAQ Composite is at 2790.00, down 6.14 points from yesterday. To calculate the percentage, you take 6.14 and divide by yesterday's close of 2796.14 to yield 0.22%. In your example, if SPY drops from 133.68 to 133.32, you use the difference of -0.36 and divide by the original, i.e. -0.36/133.68 = -0.27%. SPY is an ETF which you can invest in that tracks the S&P 500 index. Ideally, the index would have dropped the same percentage as SPY, but the points would be different (~10x higher). To answer your question about how one qualifies a point, it completely depends on the index being discussed. For example, the S&P 500 is a market-capitalization weighted index of the common stock of 500 large-cap US public companies. It is as if you owned every share of each of the 500 companies, then divide by some large constant to create a number that's easily understood mentally (i.e. 1330). The NASDAQ Composite used the same methodology but includes practically all stocks listed on the NASDAQ. Meanwhile, the Dow Jones Industrial Average is a price-weighted index of 30 large-cap companies. It's final value is modified using a divisor known as the Dow Divisor, which accounts for stock splits and similar events that have occurred since a stock has joined the index. Thus, points when referring to an index do not typically represent dollars. Rather, they serve as a quantitative measure of how the market is doing based on the performance of the index constituents. ETFs like SPY add a layer of abstraction by creating an investible vehicle that ideally tracks the value of the underlying index directly. Finally, neither price nor index value is related to volume. Volume is a raw measurement of the total number of shares traded for a given stock or the aggregate for a given exchange. Hope this helps!


It also depends on what kind of investment account you are putting this in. Since a TFSA account doesn't get taxed on the return, it might make sense to put higher risk investments in that account. Of course, MDJ's comment about looking at tax brackets is also important...


"There are many questions and good answers here regarding investment choices. The first decision you need to make is how involved do you intend to be in investment activity. If you plan to be actively investing by yourself, you should look for questions here about making investment choices. If you intend to be a more passive investor, look for posts by ""Bogleheads"", who focus on broad-focused, low cost investments. This is the optimal choice for many people. If you are not comfortable managing investments at all, you need to figure out how to find a competent and reasonably priced financial advisor to meet with and guide your investment strategy. This advice generally costs about 1-2% of your total managed assets annually."


The Creation/Redemption mechanism is how shares of an ETF are created or redeemed as needed and thus is where there can be differences in what the value of the holdings can be versus the trading price. If the ETF is thinly traded, then the difference could be big as more volume would be where the mechanism could kick in as generally there are blocks required so the mechanism usually created or redeemed in lots of 50,000 shares I believe. From the link where AP=Authorized Participant: With ETFs, APs do most of the buying and selling. When APs sense demand for additional shares of an ETF—which manifests itself when the ETF share price trades at a premium to its NAV—they go into the market and create new shares. When the APs sense demand from investors looking to redeem—which manifests itself when the ETF share price trades at a discount—they process redemptions. So, suppose the NAV of the ETF is $20/share and the trading price is $30/share. The AP can buy the underlying securities for $20/share in a bulk order that equates to 50,000 shares of the ETF and exchange the underlying shares for new shares in the ETF. Then the AP can turn around and sell those new ETF shares for $30/share and pocket the gain. If you switch the prices around, the AP would then take the ETF shares and exchange them for the underlying securities in the same way and make a profit on the difference. SEC also notes this same process.


"Since you seem to have trouble reading, I'll link it again. https://www.cato.org/publications/policy-analysis/negative-effects-minimum-wage-laws And there are numerous ""competent"" economists who say, and have said for a long time, that minimum wage laws are horrible for minorities and underprivileged groups. Also minimum wage has the added effect, thanks to the Fed and fiat currency, of accelerated inflation which damages every consumer in the economy."


"Google for ""unclaimed funds"" You might need to do it for each state separately."


"http://www.businessinsider.com/who-owns-us-debt-2011-7?op=1 Foreign governments own about 32% of U.S. debt. It's not a majority, but it's still nothing to sneeze at. Social Security owns 19% ""The Fed"" owns 11+% U.S. Households (including hedge funds) own 6+% Private Pensions 3+% Money Market Mutual Funds 2+% State, Local, and Federal Retirement Funds 2+% Commercial Banks 2% Mutual Funds 2% Oil Exporting Countries 1.6% Caribbean Banking Centers 1%"


"Do you have any idea what a product manager does? It's a pretty accurate description of the job. The PM is responsible for strategy, direction, product/market fit, features, roadmap, and pretty much everything associated with that product. You own the P&L. The buck stops with you when it comes to the product. The ""CEO of your product"" description is the classical description of what a PM is, because you're running an entire line of business that can be worth hundreds of millions of dollars."


The need for freeze dryer oil can be satiated by VacOil. Freeze dryer functions in a convoluted way and is indeed an essential requirement. In order to keep the durability of freeze dryer in check, the use of freeze dryer oil is extremely imperative, which VacOil could be relied on to deliver.


Banks cannot just borrow from the Federal Reserve and use that money to make loans. The first thing you need to understand is how fractional reserve banking works. The banks can make loans with money that their customers have deposited in their accounts. The interest and fees from those loans go to pay the salaries of those working at the banks with leftover profit to pay dividends (interest on your bank accounts). The only reason that the Federal Reserve allows overnight lending is so that banks don't immediately become insolvent if they have larger than usual withdrawals by their depositors. The Federal Reserve keeps an eye on the balance sheets of the banks that are doing the borrowing, and if they didn't have assets in the form of deposits, they would force the banks to sell the loans that were made from those deposits. What does this have to do with personal finance? I think this question is only marginally on-topic here. This amount of money in circulation is affected specifically by the fraction of the money that can be used for making other loans. But the bigger influence is the rate that the Federal Reserve charges for overnight lending. They raise and lower the rates which affects the rates that the banks can lend at while remaining profitable.


In general over the longer term this is true, as a company whom continuously increases earnings year after year will generally continue to increase its share price year after year. However, many times when a company announces increased earning and profits, the share price can actually go down in the short term. This can be due to the market, for example, expecting a 20% increase but the company only announcing a 10% increase. So the price can initially go down. The market could already have priced in a higher increase in the lead up to the announcement, and when the announcement is made it actually disapoints the market, so the share price can go down instead of up.


It absolutely makes sense. The NFL is run by assholes. It has tax exempt status. It denied the link between concussions and brain injuries. The teams demand huge tax breaks and/or stadiums from their home towns, under threat of leaving. The scum of the earth. Go Lions!


"Yes, it can be done. See ""Scenario 4"" at Isolating 401(k) basis - Fairmark.com. Though that article is primarily about getting after-tax 401(k) money into a Roth IRA, Scenario 4 applies to the scenario you are asking about. At a high level you do exactly what you say -- transfer the pre-tax money from your trad IRAs to a 401(k) (btw, a solo 401(k) will work for this also -- doesn't have to be your employer's -- but then you need to be eligible to set up a solo 401(k)). This is allowed because qualified plans can't accept after after-tax traditional IRA money, so the transfer overrides the usual pro rata rules and ""strains"" the basis out and leaves it in the trad IRA. However, there's a mismatch between the intent of Congress (as indicated by the Joint Committee on Taxation report on the law) and the actual text of the law as detailed in the Fairmark article which while it doesn't stop you from doing this adds a couple of hoops to jump through if you want to be in total compliance with the law."


Another option is the new 'innovative finance isa' that allow you to put a wrapper round peer to peer lending platform investments. See Zopa, although I don't think they have come out with an ISA yet.


As you are in UK, you should think in terms of Tax Free (interest and accumulated capital gains) ISA type investments for the long term AND/OR open a SIPP (Self Invested Pension Plan) account where you get back the tax you have paid on the money you deposit for your old age. Pensions are the best bet for money you do not need at present while ISAs are suitable for short term 5 years plus or longer.


You think having to pay to get on a road is preferential to the government collecting money and letting anyone use the road? So, I'd have to pay a toll every time I went to the grocery store, or pay for a monthly driving pass? What if a company bought out the company that owned the road to my house and doubled the toll? What it was no longer profitable to maintain the road to my small neighborhood? I'd have to move? That doesn't sound like a good idea *at all*.


The company that's apparently going to pay this rent wants to treat it as a business expense. They are asking for your SSN because they expect to issue a 1099-MISC. (They probably gave you a Form W-9? It's not mandatory but it's common to request a taxpayer ID on this form.) There are a couple of issues at play here:


Actually, that does make sense. If the government has less influence over domestic economics, then big business will have no reason to infiltrate it. Now if we can manage to do that and then re-purpose those subsidies to social reform, that could be nice.


"If you owned a bank how would you invest the bank's money? Typically banks are involved in loaning out money to businesses, people, and government at a higher interest rate then what they are paying to depositors. This is the spread and how they make money. If the bank determines that the yields on government bonds is more attractive then loaning the money out to businesses and people then the bank will purchase government bonds. It can also decide the other way. In this manner the mortgage and bond markets are always competing for capital and tend to offer very similar yields. Certain banks have the unique privilege of being able to borrow money from the FED at the Federal Funds rate and use this money to purchase government debt or loan it out to other banks or purchase other debt products. In this manner you see a high correlation between the FED funds rate, mortgage rates, and treasury yields. Other political factors include legislation that encourages mortgage lending (see Community Reinvestment Act) where banks may not have made the loans without said legislation. In short, keep your eye on the FED and ask yourself: ""Does the FED want rates to rise?"" and ""Can the US government afford rising rates?"" The answer to these two questions is no. However, the FED may be pressured to ""stop the presses"" if inflation becomes unwieldy and the FED actually starts to care about food and energy prices. So far this hasn't been the case."


For manual conversion you can use many sites, starting from google (type 30 USD in yuan) to sites like xe.com mentioned here. For programmatic conversion, you could use Google Calculator API or many other currency exchange APIs that are available. Beware however that if you do it on the real site, the exchange rate is different from actual rates used by banks and payment processing companies - while they use market-based rates, they usually charge some premium on currency conversion, meaning that if you have something for 30 dollars, according to current rate it may bet 198 yuan, but if he uses a credit card for purchase, it may cost him, for example, 204 yuan. You should be very careful about making difference between snapshot market rates and actual rates used in specific transaction.


You can receive funds from US Client as an individual. There is no legal requirement for you to have a company. If the transactions are large say more than 20 lacs in a year, its advisable to open a Private Ltd. Although its simple opening & Registering a company [A CA or a Laywer would get one at a nominal price of Rs 5000] you can do yourself. Whatever be the case, its advisable to have seperate accounts for this business / professional service transactions. Maintain proper records of the funds received. There are certain benefits you can claim, a CA can help you. Paying taxes in Advance is your responsibility and hence make sure you keep paying every quarter as advance tax. Related questions Indian citizen working from India as freelancer for U.S.-based company. How to report the income & pay tax in India? Freelancer in India working for Swiss Company Freelancing to UK company from India How do I account for money paid to colleagues out of my professional income?


How is putting a gun to a persons head and saying give me your money or else I will cuff you and put you in jail not stealing? If a person can't muster up enough enough skill (I.e showing up showered) to work an entry level job and they aren't disabled then they are just lazy. We should not be encouraging laziness.


If you just buy a few lotto tickets normally, then no, it's not going to be a good investment, as @Jasper has shown. However, there are certain scenarios where you can get a positive expected value from a lottery. In 2012, it was revealed that some MIT students found a scheme to game the Massachusetts state lottery. The game, called Cash WinFall, had a quirk in the rules: the jackpot prize was capped at $2 million. Any money in the jackpot beyond $2 million would increase the payout of the consolation prizes. Thus, the game would sometimes have a positive expected value. The return on investment was 15% to 20% — enough for the participants to quit their jobs. This specific loophole is no longer available: a cap was placed on the number of tickets sold per store, then the game was discontinued altogether. Another possible strategy is to buy enough tickets to nearly assure a win, as one investment group did in 1992. Given a large enough jackpot, this strategy can yield a positive expected value, but not a guaranteed profit. Caveats include: Or, you might be a genius and exploit a flaw in the lottery's pseudorandom number generator, as one statistician did in an Ontario scratch-off lottery in 2011.


The idea of a stockmarket is multiple people betting on the value of an asset and then getting paid the difference between their bet and the real value of the asset. The goal being to keep the value of the stock as accurate as possible so capital is allocated to companies that will use it most efficiently. The reward for people making these bets is a portion of that capital. What you are suggesting is just a graph of the average happiness. The difficult part of turning this into a market, is being able to assign value to happiness, value that you can gain or lose by choice. Ironically, money is a indicator of happiness. When apple came out with the iPhone, people saw it and decided it would make them happier if they owned it creating demand. Investors noticed that people believed owning an iphone would make them happier so they bid up the price of AAPL stock. People are happier with their iPhones and investors benefitted from this happiness and got cash allowing them to spend money on things to increase their happiness. In order to extract happiness from the stock market a lot of other things come into play. A biotech company curing cancer would be a solution to something that drastically decreases happiness. Increasing alcohol sales might be a result of people trying to offset the sadness in the short term but in the long term it is a depressant and doesn't make you happy. An individual might be happier with an extra $10B but overall 1 million people getting $10k each would increase average happiness much more. But somebody like buffet can invest in companies that can generate way more happiness than just handing out cash. The happiness report is an annual report of happiness. Looking at these results next to the Gini coefficient (income inequality), and industry growth by country might start to give you an idea of what affects happiness. For instance in Africa income inequality could sky rocket while the stock market plummets and happiness could still increase because of public health investments made years ago, causing the infant mortality rate to plummet. If you want to think about this topic I recommend reading the great escape by Angus Deaton.


Yeah, reddit is full of ppl just trying to push their side/story (usually liberal vs conservative), I figured that it's best to take just a moderate/rational approach and figure out what's best in each situation. from a purely economic standpoint racism is extremely irrational (there are some specific examples where it can be rational, but that is always due to other external factors making it rational in that specific situation, not because it is actually rational). Yes, you're right that there is a huge growth potential. Africa tends to have a ton of natural resources per capita and a young population (lots of time left to work/produce) that can produce a lot in their lives. The issues are that they need to cut corruption, focus on educating their citizens, and encourage economic production (stronger property rights really help here!). The battle between religions (specifically strict adherence to Sharia law & Islamic religious doctrine with Al-shabab, ISIS, and Boko Haram) is a huge issue there as well.


Go through the IRS Publication 521. Generally, relocation assistance is given either as : or


"I have seen Dave Ramsey give extremely bad retirement advice in the past. For example, he turned fund fees into a political issue and said people who worry about mutual fund fees are [""from a liberal political perspective...""](https://youtu.be/zR64-Ea_r5U?t=214) They are *actually* concerned about the [compounding returns of investors ](https://www.youtube.com/watch?v=KuZvu_h3x1A) and how higher fees will eat at them, rather than the amount of money that investment companies will get in fees. There's no politics involved at all, he's just a blabbering idiot. I don't see any reason to follow his advice."


"Index funds are well-known to give the best long-term investment. Not exactly. Indexes give the best long term performance when compared to actively managing investments directly in the underlying stocks. That is, if you compare an S&P500 index to trying to pick stocks that are part of it, you're more likely to succeed with blindly following the index than trying to actively beat it. That said, no-one promises that investing in S&P500 is better than investing in DJIA, for example. These are two different indexes tracking different stocks and areas. So when advisers say ""diversify"" they don't mean it that you should diversify between different stocks that build up the S&P500 index. They mean that you should diversify your investments in different areas. Some in S&P500, some in DJIA, some in international indexes, some in bond indexes, etc. Still, investing in various indexes will likely yield better results than actively managing the investments trying to beat those indexes, but you should not invest in only one, and that is the meaning of diversification. In the comments you asked ""why diversify at all?"", and that is entirely a different question from your original ""what diversification is?"". You diversify to reduce the risk of loss from one side, and widen the net for gains from another. The thing is that any single investment can eventually fail, regardless of how it performed before. You can see that the S&P500 index lost 50% of its value twice within ten years, whereas before it was doubling itself every several years. Many people who were only invested in that index (or what's underlying to it) lost a lot of money. But consider you've diversified, and in the last 20 years you've invested in a blend of indexes that include the S&P500, but also other investments like S&P BSE SENSEX mentioned by Victor below. You would reduce your risk of loss on the American market by increasing your gains on the Indian market. Add to the mix soaring Chinese Real Estate market during the time of the collapse of the US real-estate, gains on the dollar losing its value by investing in other currencies (Canadian dollar, for example), etc. There are many risks, and by diversifying you mitigate them, and also have a chance to create other potential gains. Now, another question is why invest in indexes. That has been answered before on this site. It is my opinion that some methods of investing are just gambling by trying to catch the wave and they will almost always fail, and rarely will individual stock picking beat the market. Of course, after the fact its easy to be smart and pick the winning stocks. But the problem is to be able to predict those charts ahead of time."


"Yeah that's the big global wealth redistribution scam of it. China already has hive cities like something out of Sci-Fi movies. But it's still a ""developing economy"" so doesn't have to cut any emissions apparently lol. It's no wonder they were happy to sign along with every other 3rd world nobody who loses nothing by doing so."


I wouldn't choose any of the above. Buying stocks and staying long in my case is the cheapest way to go (retail brokerage commissions have just been getting cheaper and cheaper. ) The added costs of trading options make it even dicier for me, a retail investor, to take risks. To understand how to make money with options, I'd have to be much more sophisticated investor.


Sorry, I didn't mean to knock your post. I do think you have valid points. I think it's great to see discussions on the pros and cons on the VC/Start-up world. My previous work experience was at a start-up that made it big (sold 90% to News Corp at $400mm valuation), but was funded by angel investors, so it was a different situation. I'm currently getting my MBA now so am looking at the space from both the VC perspective and the Start-up perspective. VCs can provide real value to start-ups, and they can also harm them. However, no one is forcing the start-ups to take VC money; most do because it provides a higher probability for a faster path to success. The investment doesn't come free obviously, as you pointed out. The hours are horrible and you lose significant control. In many situations founders are taken away from the main leadership role. That doesn't seem fair. However, if someone sold the voting shares of their company, they are opting in for that risk. The truth of the matter is that a lot of the people who are amazing at the ideas that birth the start-ups are horrible at the day-to-day management. Sometimes VCs step in and make the necessary changes to ensure the best chance at company profitability. Is it fair? Yes. Does it suck for the person ousted, absolutely. It's an oversimplification to say this is all bad or all good. It all depends on the situation. However, yes, there are VCs who are predatory and use their superior knowledge of how business, financing, and whatever else work to extract as much as they can from their portfolio companies. Yet there are also some who honestly love the industry and want to help companies grow. Your article's stance is good because it prompts a discussion. However, as I originally felt, it does not do it as effectively as it could in my opinion. That's awesome you got a ton of re-tweets, but as you say on your blog, it's about substance, not the glitter and rainbows. Edit: Voting brigades don't count as glitter and rainbows?


I wasn't arguing that people shouldn't be able to have sex or that it should be restricted in any way, so I'm not sure what strawman you are arguing. All I did was ask a question and point out the obvious which is that if you have an irresponsible person, giving them free condoms isn't likely to prevent unwanted pregnancies because an irresponsible person isn't likely to *use* them. They have to have a certain level of responsibility to even have the foresight to consider the long-term consequences of getting pregnant first (and obviously Fran failed at that... *twice!*). For teenagers, the availability of condoms/contraceptives may help since the problem for them may be the embarrassment of going to the store to buy them, but this isn't the same as not being able to *afford* them.


One of the links showed: Specifically, for 2013, your child can contribute the lesser of: her earned income for the year or $5,500. This is correct. And while I have no issue with fool.com in general, I am a strong believer that when one cites numbers like this, the article should also state the year involved. As I quoted above. Littleadv's answer was pretty comprehensive. All I'd add is that for a child who is likely in the zero bracket for earned income, the Roth is preferable. Last, not to nit-pick, but the deposit does not need to be their money. My daughter earned $2300 in 2012, her $2000 Roth deposit can be from my gift to her. Or from any source. No paper trail as to the source of income is required, only that the income exist. On re-reading I see I left out - the deposits can be spread over as many accounts as you wish, and the total is for IRA/Roth IRA total. It's silly to take small sums and create multiple accounts. Until the value is above a certain level, just find the one broker who can cover what you want to invest in.


Buy a home. A home is the first and best investment, u can own a home with as little as 3% down and as u pay for your living u pay it off.....also banks will always give you equity loans in case you need your money


Generally it is advisable to mention what country you're asking about, as tax laws differ. To the best of my knowledge, however, this particular issue is handled consistently in every tax jurisdiction I'm familiar with. You invested X, it appreciated and is now worth X + Y. In your example, X = $10,000 and Y = $40,000. Total X + Y = $50,000. When you withdraw an amount, say A (in your example A = $10,000), it is considered a withdrawal of both the earnings and the original capital, in proportion to the total of your account. Taxable portion of the withdrawal is proportional to the earnings. Lets mark it T. In your example, T = $10,000 - $10,000 * $10,000/$50,000 = $8,000. I.e.: 80% of the withdrawal will be attributed to earnings and would be taxable (short term in your case, if you're in the US), and 20% to the original capital. This will keep the proportion of the remained the same - 20% of the remaining amount will be attributed to the original capital (accidentally, it will be $8,000), and the remaining 80% will be attributed to the earnings. The withdrawn amount attributed to the capital ($2,000), and the remaining amount attributed to the capital ($8,000) will equal exactly to the invested amount.


"> ...from McConnell's POV, that's where the amorphous ""spirit of the system"" was broken. I don't see how. Scalia's nomination happened in a Republican controlled Senate. Bork's nomination happened in a Democrat controlled one. Also twice before, with Haynsworth in 1969 and Carswell in 1970, a Democrat Senate rejected a Republican appointment so Bork was not unprecedented. Since that same time, a Democrat Senate has approved 7 Supreme Court justices appointed by a Republican president. The last time a Republican Senate approved a Democrat appointment? 1895. Even if you're right about McConnell's opinion, then he should have brought the nomination to the floor and insured it failed as that would have been an equal violation of the spirit of the system. He went beyond that. > The topic at hand is healthcare... Agreed, and a bipartisan healthcare bill is not possible while the Republican party acts without integrity. > As many times as it takes to find someone on the other side to work with to actually accomplish anything. I understand the perspective and embraced it twenty years ago. Today I see this as purposefully bringing a knife to a gunfight. > No GOP senator who failed to Repeal is going to want to talk about health care at all come re-election time... If it is a hot-button issue, I disagree. They will either blame the Democrats for obstructing real reform or blame Democrats for the compromise Republicans had to make. Think about the ACA. Republicans have made it an incredibly divisive issue despite the fact that the core is a Republican solution and most of the talking-point problems are either illusion on Republican caused. > Deeper trenches just lead to a longer war. Bill Maher has a joke I like: ""The left has moved right and the right has moved into the loony bin."" I think the Democrats generally don't dig in and as a result ended up digging new trenches further to the right of where they were. Republicans now push mantras like ""Government is the problem, not the solution"", ""Freer markets lead to more opportunity"", ""You will get more money by letting the rich keep more of theirs"", and ""Immigrants and the poor are taking your job."" This narrative is toxic and is only emboldened with Democrat willingness to keep communication open. Thanks for your well thought out reply, /u/BigKev47."


Sounds about right. Also note that you're usually at the mercy of your job for what's available; if all your choices are terrible (high fees and or low interest), that should figure into your calculations.


"to me, the most relevant question after reading article is ""does Google get more information from me by using Chrome instead of FF? assuming google.com is my default search anyway."" I've always been wary of Chrome just because of this question. ??"


Depends on what you are, an investor or a speculator. An investor will look at an 'indefinite' investment period. A speculator will be after a fast buck. If you are an investor, buy your stock once as that will cost less commissions. After all, you'll sell your stock in 10, 15, 20 years.


"Actually no. People were independant long before the concept of a ""modern"" school came into being. People are able to teach themselves. Why should I go to another country to be happy? Why can't I buy a piece of land and stay on it and take care of myself without being extorted?"


Just take it to a bank that will count it and give you cash or put it in your account. Don't bother counting it and rolling it. They will just break the rolls and throw it into a change counting machine. I did that once and never will again after I saw that years ago. The local bank I used for this offered it as a free service. You could also use those coinstar machines found in many grocery stores and various outlets, but they take like 8 or 9%. Unless time/hassle is of concern, why do that when there are possible free options?


I like the one about writing several versions. I think that is key. If I find myself stuck, sometimes I just say to myself “what are you trying to say?” and then I write down the answer. Then I can take that and hone it. Nice article!


No, I did not get upset or went overboard. Sorry if you got that impression. I am discussing this topic with you. To summarize: the future is exchangeable battery because no battery today and in the near future can be used for a very long drive. You will pay only for the electricity you consumed from the battery. You will pay more per KW than you pay for KW consumed at home because you have to pay for additional costs and profits by Tesla. You will not pay for the battery because you don't own the battery. It's exchanged every time. If you want, and you mostly do short drives, you can buy a car with a fixed set of batteries, costing a lot of money, but you will not have to pay the fees for KW you charge into it at your home.


What I did not understand when I first called is that margin able account means the ability to borrow margin, but not the necessity of borrowing. Like I was saying, it is something I am going to do a lot of due diligence on before I plunge in. I have a general vague idea of futures, and thus why I was asking for info on the matter.


I've seen this approach to buying/funding cars described in a couple of different ways over the years. Random thoughts:


Depending on your income, you may owe AMT instead of the taxes from the regular code. Even if you don't do that, you may hit the place where you have to at least check if you owe AMT. As you probably know, AMT was established early on to catch the wealthiest of tax payers who were able to use various loop holes in the code to pay much less tax than one would expect. Over time the limits on AMT have not risen with the rising wage gap, and AMT catches an increasing number of tax payers each year. If the limit is not raised at all for 2010 then it will catch even more people this year. AMT has worked it's way into the upper-middle class fairly solidly, especially if you exercise stock options whose strike price is significantly different than the current sale price.


You should fund the 401(k) and get the 4% matching because it's free money. When you leave the US, patience is a virtue to get the money penalty-free: Or you can take the 10% penalty and take out the money all at once. You'll still owe income tax in either case, something to keep in mind if an early withdrawal would put you into a higher tax bracket. Also see this article: Can Foreigners Withdraw 401(k) Funds Early? Another thing to keep in mind is that you never know what might happen -- you could fall in love with the US (or someone in the US, [smiley face]), apply for residency, decide to stay a long time, and that 401(k) with the 4% matching might turn out to have been a very nice thing when you retire.


There are two common filings under the bankruptcy code. Chapter 11 provides for the company to be reorganized and prevents the creditors from suing for their debts for a period. Hopefully the company becomes profitable and can pay the creditors later, possibly negotiating a reduction in debt, or an exchange of stock for debt. Chapter 7 is liquidation, in which the company is sold with the proceeds going to the creditors. (I may have some of this wrong, as I am just writing this off the top of my head.)


Social contract is what makes a society work. I don't see how it is rooted in theft. If an individual doesn't want to honor it, I suppose the proper thing to do is to leave and find a place that better suits them. One story I've read of people renouncing their US citizenship was about expatriates who can't afford to pay US taxes on top of local taxes. I can empathize with a situation like that. At least they're not trying to have it both ways by not paying taxes and remain US citizens.


Okay let's try this a different way. Completely forget about what the bond is with. Here is how a bond works: * You get paid interest for holding the bond (5% interest means a coupon of $50 assuming one coupon a year) * At the end of the bond term (maturity) you get paid $1000. In your scenario, you get paid the $50 as an interest payment and the $1000 final payment. If you only had the bond for one year, your total payment will be $1050. Try drawing a timeline to visualise it a bit better


"An international Outlook (in this case Sweden in European Union). According to laws and regulations large cash transactions are considered conspicuous. The law makers might have reasoned is that cash transactions can be used in as example: - financing terrorism - avoiding taxes - buying or selling illegal goods such as drugs or stolen items - general illegal transactions such as paying bribes Starting there, all banks (at least in Europe) are required to report all suspicious transactions to the relevant authorities (in Sweden it is Finanspolisen, roughly the Financial Police). This is regardless of how the transactions are performed, in cash or otherwise. In order to monitor this all banks in Sweden are required to ""know the customers"", as example where does money come from and go to in general. In addition special software monitors all transactions and flags suspicious patterns for further investigation and possibly notification of the police. So, at least in Sweden: there is no need to get permission from the FBI to withdraw cash. You will however be required to describe the usage of the Money and your description will be kept and possibly sent to the Financial police. The purpose is not to hinder legitimate transactions, but to Catch illegal activities."


The thing you get wrong is that you think the LLC doesn't pay taxes on gains when it sells assets. It does. In fact, in many countries LLC are considered separate entities for tax properties and you have double taxation - the LLC pays its own taxes, and then when you withdraw the money from the LLC to your own account (i.e.: take dividends) - you pay income tax on the withdrawal again. Corporate entities usually do not have preferential tax treatment for investments. In the US, LLC is a pass-though entity (unless explicitly chosen to be taxed as a corporation, and then the above scenario happens). Pass-through entities (LLCs and partnerships) don't pay taxes, but instead report the gains to the owners, which then pay taxes as if the transaction was their personal one. So if you're in the US - investing under LLC would have no effect whatsoever on your taxes, or adverse effect if you chose to treat it as a corporation. In any case, investing in stocks is not a deductible expense, and as such doesn't reduce profits.


"The first thing you should visit a store that has a good selection. If there are only one or two choices, how can you possibly know you've bought the right one? If you want to Soccer ball for kids, then you can visit our online store ""Best Soccer Balls"". We have a wide selection of the best soccer balls. It also helps if the store has knowledgeable salespeople, so it might be a good idea to ask around."


I'm pretty sure it's merchant-dependent. If a credit card transaction doesn't go through, PayPal will automatically charge your bank account. Some merchants may want that extra insurance.


Why do all this work yourself? Pay a modest price to have a professional do this for you. Look at the tickers PUTX, PUTW.


That is kinda my point. I can also secure my machine 100%, but it makes me unhappy to do so. But in fact the human component is still a large weak spot, for any network. So no matter how secure you make it, as long as you have humans interacting, you have vulnerabilities. And making your employees unhappy seems like a poor way to deal with that.


The US spends more on its military than the next 8 countries combined. This level of expenditure is insane and completely unnecessary. Mostly as a result of the relevant businesses buying off politicians. Europe will never spend such amounts because it's just stupid to do so


It is a good opportunity for those people who want to spend the vacation and make rememberable events, You should find the good rated great escapist team inside escape rooms. We have the fabulous event which is unforgetable services. It is good pleasure things for us that we get the chance to serve you. Escape rooms diversions as in Corporate team building escape rooms fort Lauderdale plan to test your critical thinking and analyst aptitudes. If you want to come here with your family, you can bring your family without hesitation. We provide the full security and corporate with our customers. There is no more place so beautiful and attractive.


One other issue you may face is when the company announces poor financial results and begins to tank, you will not be able to sell until the US market open and could incur a lot of pain.


A USD bank draft from any of the major Canadian banks is a good solution. They clear quickly in the U.S. I use them frequently and have never had a problem depositing them in a U.S. bank account. If you carry more than $10k across the border, even as a cheque, be sure to declare it.


Sure: http://abcnews.go.com/WNT/YourMoney/story?id=129651 https://www.ncbi.nlm.nih.gov/books/NBK50972/ cbo.gov and a dozen other sources are just one short google search away. That's true. Then I guess we should start charging fees for their use instead of taxes for police and courts. Fine by me. Mandatory public healthcare can't be financed without introducing excessively progressive tax rates for a more wealthy minority. We agree on the subsidies though.


"I will expand on Bacon's comment. When you are married, and you acquire any kind of property, you automatically get a legal agreement. In most states that property is owned jointly and while there are exceptions that is the case most of the time. When you are unmarried, there is no such assumption of joint acquisition. While words might be said differently between the two parties, if there is nothing written down and signed then courts will almost always assume that only one party owns the property. Now unmarried people go into business all the time, but they do so by creating legally binding agreements that cover contingencies. If you two do proceed with this plan, it is necessary to create those documents with the help of a lawyer. Although expensive paying for this protection is a small price in relation to what will probably be one of the largest purchases in your lives. However, I do not recommend this. If Clayton can and wants to buy a home he should. Emma can rent from Clayton. That rent could any amount the two agree on, including zero. If the two do get married, well then Emma will end up owning any equity after that date. If they stay together until death, it is likely that she (or her heirs) will own half of it anyway. Also if this house is sold, the equity pass into larger house they buy after marriage, then that will be owned jointly. If they do break up, the break up is clean and neat. Presumably she would have paid rent anyway, so nothing is lost. Many people run into trouble having to sell at a bad time in a relationship that coincides with a weak housing market. In that case, both parties lose. So much like Bacon's advice I would not buy jointly. There is no upside, and you avoid a lot of downside. Don't play ""house"" by buying a home jointly when you are unmarried."


I have shoes in 10, 10.5, and 11 in my closet right now. I think sizing between the same _types_ of shoes tends to be reasonably consistent (ex trainers from Nike and Adidas, though I did have an issue with that recently)- but you'll be different comparing say, boots to dress shoes to those trainers. FWIW I generally tend to size down 0.5-1 for boots depending on their last, actual size for dress shoes, and up half a size for athletics.


"Increase in A/R in balance sheet includes the A/R of acquired businesses. Change in A/R in cash flow statement might say ""excluding effects of business acquisitions""."


No. There is no good option. They can't release the whales cause they will die and the can't do the shows because people will be upset. Now I guess the whales get to sit in a tank until they die with little to no interaction from people.


>Cost him? The juicing was what earned him the money in the first place. *citation needed* The only evidence of juicing to come out after years and years of tests showing up clean was Armstrong getting tired of arguing with critics and constantly having to defend himself. **This** is the only evidence of juicing on his part.


"There's currently not much reason to keep around a long-term non-deductible Traditional IRA in my opinion -- a Roth IRA is almost strictly better. Think about it: a non-deductible Traditional IRA vs. a Roth IRA of the same amount. In both cases, contributions are after-tax (so no tax deduction). But when you withdraw, for the Roth IRA you don't have to pay tax, and for the non-deductible Traditional IRA, you have to pay tax on the ""earnings"". A Roth IRA can be contributed to at pretty much any income level, thanks to the backdoor Roth IRA process (which uses a temporary non-deductible Traditional IRA in the process). So there is not much reason for a long-term non-deductible Traditional IRA. As for your question, a non-deductible Traditional IRA vs. a taxable account. Well, a non-deductible Traditional IRA is contributed to with after-tax money, and taxed on the earnings only on withdrawal. So the taxation is almost identical to things like stocks and homes, where the gain is not realized until the thing is sold. However, compared to things like savings accounts and bonds, where you get taxed on the interest yearly, it is much better. Every time you get taxed on gains like this, it is taxing gains earned from after-tax money, so if you think of an amount of money as being equivalent to the amount of money it grows to over time (time value of money), then it is taxing money that is (or grown from money that is) already taxed. So it is better to have this only happen at the end at withdrawal than every year."


(Sourced from my rectum.) A good salesman doesn't just sell software, they sell themselves, more specifically, they sell themselves to the company. They will sell the company they are with that they are worth it, and that they should be compensated appropriately. If the programmers had the same savvy in the same nature, odds are they wouldn't be making the program, but, the company would likely note their ability to sell themselves, and prefer them on the sales team. Sure, without the programmers, they wouldn't have as much to sell, but, the right salesman would be able to pull in more profit for the company than having the right product would.


That actually sheds some useful light on the whole matter. As long as $client gets the paperwork in order, all will likely be well. Had a discussion with $client today about their recurring practices, just to establish a baseline for their understanding of the same. Not because I know there is or is not a concern, but because their business is risk management and that is a risk worth managing. Or at least worth understanding the scope of the risk and potential exposure.


Dividends yield and yield history are often neglected, but are very important factors that you should consider when looking at a stock for long-term investment. The more conservative portion of my portfolio is loaded up with dividend paying stocks/MLPs like that are yielding 6-11% income. In an environment when deposit and bond yields are so poor, they are a great way to earn reasonably safe income.


What a coincidence! This was an exam question for my business law class. The main reason why individuals are not allowed to deduct expenses is because income tax revenue would be zero. The reason being, if an individual is allowed to deduct expenses he/she would spend 100% of their income and deduct it all on their tax returns, which would mean he/she would pay virtually no income tax. This is bad for the gov't and the economy. It's bad for the gov't because they loose tax revenue, and it's bad for the economy because people would not have any savings for tough times, which can send the economy into a negative spiral.


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I like Trader Joe's, but I first noticed these aspects of the business model in about 1984. Some of what they sell is good, some is bad, and all of it is put in the most romantically humble packaging. Service is excellent. If only Saab understood the affluent pseudo-hippie market as well as TJ's does. Boy, some of the prepared meals they sell really suck. Those burritos: gack! And the produce has the power to turn you off food entirely, if you catch them on a bad streak - for a while, the nuts were virtually inedible.Still, the cheddar popcorn is more addictive than heroin.


So what? Everybody knows that labor statistics go well beyond a single metric (funny how the article ends up focusing only on one). The US Bureau of Labor statistics already provides different measurements of unemployment. The 23.3% figure comes from shadowstats, which is well know to be entirely bullshit.


There are not as many options here as you fear. If you have no other investments outside this 401K it is even easier. Outside accounts include IRA, Roth IRA, taxable investments (mutual funds, ETF, individual stocks), Employee stock purchase plans. Amount: make sure you put enough in to get all the company match. I assume that in your case the 9% will do so, but check your documents. The company match will be with pre-tax funds. Roth vs Regular 401K? Most people in their lifetime will need a mix of Roth and Regular retirement accounts. You need to determine if it is better for you to pay the tax on your contributions now or later. Which accounts? If you are going to invest in a target date fund, you can ignore the rest of the options. The target date fund is a mixture of investments that will change over the decades. Calculate which one fits your expected retirement date and go with it. If you want to be able to control the mix, then you will need to pick several funds. The selection depends on what non-401K investments you have. Now here is what I considered the best advice. Decide Roth or regular, and just put the money into the most appropriate target date fund with the Roth/regular split you want. Then after the money starts flowing into your account, research the funds involved, the fees for those funds, and how you want to invest. Then move the money into the funds you want. Don't waste another day deciding how to invest. Just get started. The best part of a 401K, besides the match, is that you can move money between funds without worrying about taxes. If you realize that you want to put extra emphasis on the foreign stocks, or Mid-cap; just move the funds and redirect future contributions.


This page and this page on the ATO website provide some information on tax rates. They're rather lengthy and there's a few exceptions, but essentially, your entire foreign income, even if held overseas, is taxable. Australians are taxed worldwide.


> I think it's a caste thing. That sounds like upward mobility... and market clearing (people finding their true worth in the marketplace)... the opposite of a caste thing, surely? Or maybe I as a European just don't understand the caste system.


"So, um... **what's the big fucking deal?** He works for the Port Authority, so any of you getting your panties in a bunch because you think ""OUR TAX DOLLARZ"" are going to pay his salary are just wrong. He works 80 hours a week, so he's basically got two $110k jobs. And he works in New York City, where $100k a year doesn't really even go that far unless you live in the ghetto and commute in every day. Really not sure what there is to be outraged about in this report. Clearly a lot of people here are just broke and jealous."


this is exactly why we need to enact legislation that counters that mentality. if McDonald's had to pay that $15/hr for each employee fired for automation into a fund for works who are unemployed due to automation i think they might reconsider.


"You are not wrong: in 6 years on reddit, this is the biggest circlejerk I've witnessed, other than Sagan. It's really sad that you're getting downvoted, because it would be nice to see a back-and-forth discussion of the future of the company. I happen to think that Tesla is doing something admirable, but, yes, they're doing it with substantial subsidies, and they're simply not providing an affordable product. They're doing the right thing, but they're not working miracles: they're producing a low-volume niche product that will help how people think of cars. This reminds me of a discussion of Leica lenses, in which somebody smarter than I am simply wrote: ""Any number of lens manufactures can produce a superlative 50mm f/2 lens for $1500."" Come on, folks. Elon Musk is not working miracles. He's just doing the right thing. Tesla is not some genius-ubermensch-paradigm-exploding supercompany."


Um, where did I say the ends justifies the means? What I am saying, for the tenth time now, is that these animals are born, raised and killed to be our food. Period. Thats it. What does it matter if he is mean to a turkey, that is going to be eaten in a few weeks? Its that simple. Its our food. What, am I not supposed to be rough with my carrots as I pull them out of the ground? They are living, they are food, they are under the same circumstances as the turkey is. Again, how you can eat turkey, then complain how the turkey is raised, is amazing to me. More over, spend the energy worrying about how our food is raised on something that effects everyone, such as education or health care, both of which deserve more of our attention than a turkey, raised to be slaughtered. Again, you are putting words into my mouth and changing the situation to meet your argument. We are not talking about dogs in Korea, or Gorilla poaching, or gall-bladder draining. We are talking about a turkey, that is raised to be killed. No where did I mention ends justifying the means or anything along those lines.


First, you can never trust what USPS says about the status of your package. I have had tracking numbers that said they were pending receipt of the package up to and including the day I received the package myself. It's a nice feature, but nothing to rely on. Second, she cancelled the order after not receiving it in 6 days?? I've shipped things New York to California (or vice versa) that took 10 business days to arrive before. A few times because of bad weather in between, and several times because they attempted delivery and I was not available, or because the shipper wasn't able to get it to the post office 3 or 4 days later than they said they would when they filled out the label. Cancelling your order after 6 days is jumping the gun a bit. I don't blame the company for initially saying they couldn't refund her purchase since their records showed it was fulfilled. I WANT to jump on the bandwagon disliking the company for their response, but let's be honest here - ars technica did not reproduce her communications to the company verbatim like they did the company's messages to her. She could have written much more crazy that would make the company's response seem tame and level headed in comparison. Trying to collect the $250 is ridiculous, you're allowed to have an opinion about a company and espouse that to others. But let's not grab our pitchforks over how horrible this company was to treat this lady this way for not getting her iPhone case to her in 6 days.


The economic effect of a CFD from your point of view is very close to the effect of owning the stock. If the stock goes up, you make money. If it goes down you lose money. If it pays a dividend, you get that dividend. You'll typically pay commission for buying and selling the CFDs in a similar way to the commission on stock purchases, though one of the advertised advantages of CFDs is that the commission will be lower. They also often have tax advantages, for example in the UK you don't have to pay stamp duty on CFDs. In theory you are exposed to credit risk on the CFD issuer, which you aren't with the real stocks: if the issuer goes bankrupt, you may lose any money you have invested regardless of how well the stock has performed. It's certainly similar to a bet, but not much more so than investing directly in the stock. In practice the issuer of the CFDs is likely to hedge its own exposure by actually buying the underlying stocks directly, but they can aggregate across lots of contracts and they would tolerate some unhedged exposure to the stock, so they can cut down on the transaction fees. You also won't get the same voting rights as the underlying stock would grant you.


If you would like to use linux I suggest you to use KMyMoney http://kmymoney2.sourceforge.net/ It is based on gnucash but it is easier to use IMO


The simple answer should be easy to find: Call your local place, inquire about the price, and then divide that cost by the cost of shaving supplies per year (don't forget to account for your time!) to get the number of years it would have to last to reach the break-even point. Some have indicated that laser hair removal does not last forever; if it does not last at least as long as the break-even point, then it is not more economical. If it does, then it is. This is only one data point in the decision, but it should be fairly straightforward to calculate. Like all grooming services, I expect there is a range of prices, so you may want to call more than one location.


You write loaded statements. Force is probably gunna be the only way. Current banking structure is complete fuckery. Too big to fall, consequence free institutions and you speak of them as if they will treat, you or anyone fairly.


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How can I maximize profits? How much money do I need to invest in tax liens? The fact that you are asking this questions means you are not ready for such investments. These are very risk and time consuming investments. Investopedia has a good article on this.


You are talking to the wrong people. Debt collectors are not intimidated by anything you say. Call and tell them that, before you pay the debt, they need to get the paperwork from the company to verify that you actually owe them the money and the amount. You need copies of the original paperwork. This alone may resolve the issue. If not, then call the client company and explain that THEIR debt collection agency is talking to the wrong person. Explain why you are not that person. It may be necessary to tell them that your lawyer advised you that they will be personally held responsible for any damages that you may incur from this debt collector's actions. The client is the one who needs to be intimidated.


"You can accept almost anything mutually agreeable to you and the other party as payment. That's the definition of ""barter"". If you agree to trade manufactured goods for livestock, as long as both parties agree on the terms, I'm not aware of any law that would prohibit it. I hedged with ""almost"" because of course you can't accept something that is explicitly illegal. Like you can't say you'll accept cocaine as payment. Less obviously, there are laws regulating the sale of guns, nuclear fuel, agricultural products, etc. You'd still have to pay taxes, and it can get complicated to determine the taxable value of the transaction. Sorry, but you can't avoid taxes by getting your income in something other than cash."


"Awesome news! Securing one for this last year will really help your case. That way you can put the extracurricular stuff you've outlined above as well as the two internships. Network like crazy. The sad reality is with such limited work opps, it's really more of a ""who do you know"", so I highly suggest connecting with alumni from your school and get feed back on what else you can do to start off on the right food in your career track. LinkedIn is a huge amazing tool and I recommend shelling out some $ for the premium (think you get pretty good discount as a student). When I was looking for jobs recently, I'd literally send InMails to alumni that worked in the companies/fields I want to go into, and the responses were very positive. Shamelessly ask for referrals when it comes time to apply, or at least ask questions about culture so you can ace that part of the interview. We didn't mean to knock those down, it's just that the job market these days really wants to see legit experience and preferably for a steady amount of time (so 1 year carries more weight than 1 summer)"


"You are opening up a large can of worms with how you are doing this. In very positive years, you'll have taxes based on your income, potential Alternative Minimum Tax (AMT), etc. Each of the family members may be in a lower bracket, perhaps even needing to pay zero on capital gains. Even if you are 100% honest, if you are subject to a lawsuit, these funds are all in your name, and you'd be in a tough situation explaining to a court that these assets aren't ""really"" yours, but belong to family. And last, the movement of large chunks of money needs to be accounted for, and can easily run afoul of gifting rules. As mhoran stated, a Power of Attorney (POA) avoids this. When my father-in-law passed, I took over my mother-in-law's finances, via POA. I sign in to my brokerage account, and her accounts are there. I can trade, deal with her Individual Retirement Account (IRA) Required Minimum Distributions (RMDs) each year, and issue checks to her long term care facility. It's all under her social security number - our money isn't intermingled."


">The right answer is probably a mixture of two. Agreed 100%. We need a smart approch to spending and cutting spending on deadweight projects that don't help the economy. Many Congressmen from both parties have been spending on crap to get reelected for many years and clearly aren't getting much done with it. My dad is an administrator in state government and gets so fed up with the useless ""pork"" spending that we at the state and national level. Fuck these guys looking good to their constiuents and get some real bang for the buck. That is the only way we will get through this."


"to answer the question in the title of your post... + convince your fellow Euro nations to accept austerity, + convince them to elect responsible governments, + demand transparency from your leaders, and... + make sure this never ever happens again. Alternatively, build a time machine and go back in time to either... + immigrate to another part of the world, + sabotage the corruption of the PIGS nations, + prevent the formation of a shared currency, or finally, + do something to ensure Germany didn't lose WWII, as letting them be in charge of everybody's money would appear to be a sound financial decision. That is how you negate the impact of the Euro collapsing. Now, on to the details of your question... I believe your initial assessment is correct. If one accountable nation were responsible for the solvency of its currency, it could be trusted indefinitely. As is the case with the Euro, as no one country is directly responsible for it, the less responsible governments are in a race to exploit it as much as possible. Remember, ""Spain no es Zimbabwe!"" I think Euro zone nations will be lucky if all that comes of this is the fall of the Euro. Wars between nations have been fought over less significant developments than what Greece, Italy and Spain have done to the financial stability of their Euro zone counterparts. Foreign gold trusts, possession of physical precious metals and precious metal ETFs (GLD is one stock ticker of such a fund, although I would look to a similar fund issued by a company with better physical gold audits) can hedge your currency risk. Check with local laws regarding physical possession of gold. In the USA when we left the gold standard for our currency, the government confiscated all privately owned precious metals and raided customer bank security boxes. Assess your own risk of that sort of thing happening."


"I am very skeptical of the claims that self-driving vehicles will change behaviors. I am on-board with them replacing drivers in taxi/Uber, buses and freight. I don't see them changing the convenience or ""pride of ownership"" for individuals at all. Especially in mid-sized and small cities and rural areas. We can already see this with things like city bikes. They haven't reduced the rate of ownership for bicycles at all. People want their own stuff. That won't change just because a car can drive itself."


I would like to open a bra shop, since where I live we have Victoria's Secret and nothing else. I have a name and logo thought out, and always keep an eye out for reasonable locations. I've talked myself out of moving forward with it, because it seems any time there's talk of a store fancier than a Walmart/Dollar store coming to town, everyone gets on about it being a working class/blue collar town, and how no one can afford x/y/z. Good bras aren't cheap. I'd also need to hire staff, because I'm not keen on being that close to people. I've daydreamed about bars and restaurants, with questionable, kitschy themes.


These 'issues' don't exclusively relate to the 'sharing economy', the challenge of uncertainty would exist for any small business / independent contractor. It's not as if people didn't work as independent contractors in these industries before, it's just now the industries are being enhanced and overhead lowered, from technology. For example: Uber driver vs Medallion [Leasing] Taxi Driver AirBNB landlord vs Apartment landlord, vacation rental landlord, or traditional bed & breakfast owner. PostMates messenger vs traditional bike messenger


Workers have the ability to do this anytime they wish - by pooling their capital and buying or creating a company. Wall St. is not the only way to do this, though it's usually the most efficient way. What this really is is a thinly veiled defense of Syndecalism (a fav of that chimp Chomsky's) which, in turn, is a variant of Marxism. What's important about these degenerate worldviews is that they want the workers to own the means of production *without* having to pony up their own capital. It's all very sophisticated, you see and it worked out really well in China, the USSR, Cuba, Mongolia, and host of other socialist workers' paradises ...


Until there is a significant price pressure, it’s always going to be cost prohibitive to build high in earthquake prone zones. Those mitigation measures don’t come cheap at all. As for the skyline, eh, that’s subjective. If the local culture values a “small town” or even bucolic feel, keeping buildings below tree lines isn’t regressive at all.


"Firstly, ""the government"" is the people. So should the Government be involved in Fire and Police departments, military services, roads/highways, water/sewer, the electrical grid, air transportation, trains, the National Parks, schools, libraries, state colleges, zoning and municipal bylaws? The government exists to serve the people's interests and not those of profiteering business lobbyists."


From the hover text of the said screen; Latest dividend/dividend yield Latest dividend is dividend per share paid to shareholders in the most recent quarter. Dividend yield is the value of the latest dividend, multiplied by the number of times dividends are typically paid per year, divided by the stock price. So for Ambev looks like the dividend is inconsistantly paid and not paid every quarter.


If you are looking for quality work on your basement or crawl space and you live in the Chicago Land area then you need to check out Concrete Crawlspaces Corp. These guys are leading the way in their industry and they do great work.


The deal is expected to close sometime in Q4. The fluctuation though the day is just noise. The price will reflect a discount to the full takeover value, reflecting the risk of the deal falling through. Cashless exercise is a good idea if you don't wish to own any QVC shares.


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People have to write that program.. and someone has to upkeep the program and make it interact with an os that is changing not to mention people have to actually use the program also there is always better and more complex programs to write i wouldnt be suprised if the jobs lost through software automation are replaced by programmers and technicians


great example of levered tracking error is any 2x/3x VIX etf. during periods of high volatility (like last week) you will be able to realize much higher returns on the underlying index as the levered and inverse ETFs are unable to replicate their intended performance using market securities. it is not uncommon to see the VIX up ~30% with levered ETFs only netting ~10-12% as opposed to the intended 60 or 90%, for example


That is absolute rubbish. Warren Buffet follows simple value and GARP tenants that literally anyone could follow if they had the discipline to do so. I have never once heard of an investment made by Warren Buffet that wasn't rooted in fundamentals and easy to understand. The concept is fairly simple as is the math, buying great companies trading at discounts to what they are worth due to market fluctuations, emotionality, or overreactions to key sectors etc. If I buy ABC corp at $10 knowing it is worth $20, it could go down or trade sideways for FIVE YEARS doing seemingly nothing and then one day catch up with its worth due to any number of factors. In that case, my 100% return which took five years to actualize accounts for an average 20% return per year. Also (and this should be obvious), but diversification is a double edged sword. Every year, hundreds of stocks individually beat the market return. Owning any one of these stocks as your only holding would mean that YOU beat the market. As you buy more stocks and diversify your return will get closer and closer to that of an index or mutual fund. My advice is to stick to fundamentals like value and GARP investing, learn to separate when the market is being silly from when it is responding to a genuine concern, do your own homework and analysis on the stocks you buy, BE PATIENT after buying stock that your analysis gives you confidence in, and don't over diversify. If you do these things, congrats. YOU ARE Warren Buffet.