The justification for an act typically comes after the decision is made. People operate under a fairly universal set of instincts and social behaviors, so I think condemning him for this behavior directly is short sighted. I would ask instead, why do people feel that cheating organizations like target is so emotionally easy? I would wager that burdalane is not the sort of person who would steal his neighbors unlocked bike from his porch or hustle a man for bus fare, so what is different? We seem, (generally, as a population) to have less emotional investment in strangers than ourselves, even less in people from other cultures, and even less in animals. We will fight hard to save the lives of 5000 of our soldiers, less hard to save a million of their civilions, and we certainly don't give a fuck about taking a bee's honey or killing a chicken and eating it (again, generally). I would propose that organizations like big box stores fall somewhere between animals and foreign peasants as far as our feelings of responsibility towards them. It is a little more complicated than that because obviously a big box store supports the lives of a certain number of people, but if a big box store were delicious and did not support people I would wager it would not survive for very long. So the defining difference seems to be whether or not you are a person who makes a rational decision that the store provides more good for your people unmolested or if it is a net harmful force, whether you have strong ingrained emotional belief structures regarding cheating or therft, and whether your rational mind supercedes your emotional decision making (mine rarely does, though I try). A person who thinks that they do more harm to the population than good even with a strong sense of the wrongness of stealing might steal from the store even though they would never steal from another person. They would be completely morally justified in this act. Similarly, a person who thinks that the store does more good than harm, and does not steal from the store regardless of whether or not they think stealing is wrong would also be morally just in their actions. A person who thinks they do no harm to the community but has no negative emotional connection to the act of theft might steal from both the store and their neighbor. They would obviously not be justified. A person with a strong sense of the wrongness of stealing which supercedes their rational decision regarding the value of a big box store will not steal, but they may not be morally justified in the decision, depending on their rational take. I think I fall into the first category. I think it is wrong not to do harm to an organization like target when it is possible to do so, yet I generally don't go about this by stealing because getting caught would be much worse than whatever harm I could do by jacking a few dollars worth of merchandise. This offer allowed a means of theft without getting caught, and had I been aware of it I probably would have availed myself of it. As it stands I just work extremely hard in the field of biochemistry with the hopes that one day I will contribute to technologies which will allow humans to live and thrive without having to buy food, clothes, medicine, or shit from target.


The sentiment is because between closing and opening a lot can happen, and between opening and the time your order actually goes through, even more can happen. An after-hours trade has an extra amount of short-term risk attached; the price of a stock at the opening bell is technically the same as its price as of the closing the previous trading day, but within a tenth of a second, which is forever in a computerized exchange, that price may move drastically one way or the other, based on news and on other markets. The sentiment, therefore, is simple; if you're trading after-hours, you're trading risky. You're not trading based on what the market's actually doing, you're trading based on what you think the market will do in the morning, and there's still more math going on every second in the privately-held supercomputers in rented cubes in the NYSE basement than you could do all night, digesting this news and projecting what it's going to do to the stocks. Now, if you've done your homework and the stock looks like a good long-term buy, with or without any after-hours news, then place the order at 3 in the morning; who cares what the stock's gonna do at the opening bell. You're gonna hold that stock for the next ten years, maybe; what it does in 5 seconds of opening turmoil is relatively minor compared to the monthly trends that you should be worrying about.


Not anytime soon, I suspect, but not necessarily for financial reasons. I found this interesting, including the link to the five tests, but I think that this topic is only partially judged through financial eyes, there's a lot of political issues around this with national identity/immigration issues already in the spot light as well as political aspirations. If there will be a call in the near future to join the Euro, how would that reflect on the financial industry in the UK from a PR perspective? and on the political leadership and how it managed the financial crisis? I believe that it is in the interest of all the people in the high positions to show the country getting back on track rather than making ground shaking moves. But what do I know....:-)


"I would argue that we went from slavery to other forms of slavery, not a ""free"" society. Slavery still exists, and is even sanctioned by the government in some places (prison industrial complex, prisoners who cannot vote being ""forced"" to work for 13 cents an hour). Of course I don't think society will always stay the same, but I don't think that we can create enough new jobs to balance those being lost to automation and technological advancement (productivity/efficiency increase). Perhaps one day, we won't need to balance those losses, but today, in current times, unemployment is a huge problem with very few simple solutions. I just want to say that I am enjoying the discussion."


"Neither is synonymous with ""the American Dream"" -- self employment is not necessary to achieve it. >The American Dream is a national ethos of the United States, the set of ideals (democracy, rights, liberty, opportunity and equality) in which freedom includes the opportunity for prosperity and success, as well as an upward social mobility for the family and children, achieved through hard work in a society with few barriers."


Take the emotion out of your argument. Why wouldn't they support this change? It doesn't hurt them at all, and could potentially help their bottom line. And by spearheading it for all retailers they make sure that they are all on the same playing field.


Saying that tighter gun laws is the same as taking away your guns is the same as saying that tighter drunk driving laws is taking away your right to drive. It's the kind of rhetoric that shows you are unwilling to be reasonable. I like this speech [from Obama](https://www.pbs.org/newshour/show/obama-to-gun-owners-im-not-looking-to-disarm-you) on the topic. >First of all, the notion that I or Hillary or Democrats or whoever you want to choose are hell-bent on taking away folks’ guns is just not true. >And I don’t care how many times the NRA says it. I’m about to leave office. There have been more guns sold since I have been president than just about any time in U.S. history. There are enough guns for every man, woman and child in this country. >And at no point have I ever, ever proposed confiscating guns from responsible gun owners. So it’s just not true.


Start with your local police department then move on to these sites. Fill out the United States Postal Service fraud complaint form http://ehome.uspis.gov/fcsexternal/ Contact your State Attorneys General. Your state Attorney General or local office of consumer protection is also listed in the government pages of your telephone book Write to the Federal Trade Commission: spam@uce.gov If you are aware of a securities (e.g., stocks) scam, insider trading, etc., you will want to contact the SEC (Securities and Exchange Commission). http://www.consumerfraudreporting.org/SEC.php


"how many of those Indians were immigrants as opposed to born in the USA? there are tough restrictions for anyone to move from India to USA - only college graduated, high earning people can go to USA to work. the other groups might have born there and that's why they bring down the ""college-educated"" statistics."


Sears has been around for over a century with little impact to local Main Streets. Their stores aren't in every community like Targets or Walmarts, and they don't attempt to be a one-stop shop for all your needs. Sears isn't a threat to mom and pop shops... and that's probably part of why they're struggling while other big box retailers are not.


Yes You could write a covered call and the stock gets called away at the price + premium. You could convince someone to buy it regardless of the market price.


>Certainly part of the blame goes to America's pop culture. Dolla dolla bills, ya'll. How about both generations have major entitlement issues? I am pissed at the baby boomers for their greed, but my generation is at least as bad. Maybe worse, but where did we get that attitude from? One narcissistic generation breeds another.


"Cosigning is explicitly a promise that you will make the payments if the primary signer can not. Don't do it unless you are able to handle the cost and trust the other party will ""make you whole"" when they can... which means don't do it for anyone you would not lend your money to, since it comes out to about the same level of risk. Having agreed, you're sorta stuck with your ex-friend's problem. I recommend talking to a lawyer about the safest way get out of this. It isn't clear you can even sue the ex-friend at this point."


> Only a Sith Deals in Absolutes I feel that it's a huge problem wherever you go. Nobody wants to take the middle road. I feel that the reduction in fertilizer and pesticides must also might be good for the pocketbook as well. I'm one of those that took chemistry, and know that chemicals are chemicals, natural or factory-made.


France is one country where cheques are common. More an more people are using credit cards for typical store payments and wire transfers are slowly gaining traction. There are several cases where cheques come handy: Sure, all these cases could ultimately be resolved with a wire transfer. Sometimes it is just simpler/faster to mail a piece of paper. This said, I believe than in 1à years from now even France will go cheque-less.


"I am surprised at the amount of work this contract wants done. I'd question if it's even legal given the high costs. I suspect it's only there to remind abusive tenants of responsibilities they already have in law for extraordinary abuse beyond ordinary wear-and-tear: they are already on the hook to repaint if they trash the paint (think: child writing on walls, happens a lot), and already need to fumigate (and a lot more) if they are a filth-type hoarder who brings in a serious infestation (happens a lot). The landlord can already go after these people for additional money beyond the deposit. But that's not you. So don't freak out about those clauses, until you talk to the landlord and see what he's really after. Almost certainly, he really wants a ""fit and ready to rent"" unit upon your departure, so he doesn't have to take the unit off the market for months fixing it. As long as that's done, there's no reasonable reason for further work -- a decent landlord wouldn't require that. Nor would a court, IMO. The trouble with living in a place for awhile is you become blind to its deficiencies. What's more, it's rather difficult to ""size up"" a unit as ready when it's still occupied by your stuff. A unit will look rather different when reduced to a bare room, without furniture and whatnot distracting you. Add to it a dose of vanity and it becomes hard to convince yourself of defects others will easily see. So, tread carefully here. If push comes to shove, first stop is whether it's even legal. Cities and states with heavy tenant populations tend to have much more detailed laws, and as a rule, they favor the tenant. Right off the bat, in most states the tenant is not responsible for ordinary wear-and-tear. In my opinion, 6 years of ordinary, exempt wear would justify a repaint, so that shouldn't be on the tenant at all. As for the fumigation, I'm not in Florida so I don't know the deal, maybe there's some special environmental issue there which somehow makes that reasonable, it sure wouldn't fly in CA. Again that assumes you're a reasonable prudent tenant, not a slob or hoarder. As for the pro carpet cleaning, that's par for the course in any of the tough rent control areas I've seen, so that's gotten a pass from the legislators. Though $600 seems awfully high. Other than that, you can argue the terms are ""unconscionable"" -- too much of a raw deal to even be fair. However, this will depend on the opinion of a judge. Hit or miss. I'm hoping your landlord will be happy to negotiate based on the good condition of the unit (which he may not know; landlords rarely visit tenant units unless they really need to.) You certainly should make the case that you make here; that the work is not really needed and it's prohibitive. Your best defense against unconscionable deals is don't sign them. Remember, you didn't know the guy when you initially signed... the now-objectionable language should have been a big red flag back then, saying this guy is epic evil, run screaming. (even if that turned out not to be true, you should't have hung around to find out.) You may have gotten lucky this time, but don't make that mistake again. Unless one of the above pans out, though... a deal is a deal. You gave your word. The powerful act here is to keep your word. Forgive me for getting ontological, but successful people say it creates success for them. And here's the thing. You have to read your contracts because you can't keep your word if you don't know what word you gave. It's a common mistake: thinking good business is trust, hope, faith, submission or giving your all. No. In business, you take the time to hammer out mutually beneficial (win-win) agreements, and you set them on paper to eliminate confusion, argument and stress in the future as memories fade and conditions change. That conflict resolution is how business partners remain friends, or at least professional colleagues."


The Money Girl (Quick and Dirty Tips for a richer life) Podcast is a pretty good source for this type of information. Some Recent Topics:


Essentially speaking, when you purchase goods worth $100 using your card, the store has to pay about $2 for the transaction to the company that operates that stores' credit card terminal. If you withdraw cash from an ATM, you might be charged a fee for such a transaction. However, the ATM operator doesn't pay the credit processor such a transaction fee - thus, it is classified as a cash transaction. Additionally, performing cash advances off a CC is a rather good indicator of a bad financial health of the user, which increase the risk of default, and in some institutions is a factor contributing to their internal creditworthiness assessment.


Short answer is to put the max 15% contribution into your ESPP. Long answer is that since you want to be saving as much as you can anyway, this is a great way to force you to do it, and pick up at least a 15% return every six months (or however often your plan makes a purchase). I say at least because sometimes an ESPP will give you the lower of the beginning or end period stock price, and then a 15% discount off of that (but check the details of your plan). If you feel like your company's stock is a good long term investment, then hold onto the shares when purchased. Otherwise sell as soon as you get them, and bank that 15% return.


I vaguely recall a rare helpful employee telling me that, after a ridiculous amount of phone calls. I thoroughly appreciated that person's helpfulness. However, I gave my laptop to Best Buy (I had purchased their service agreement), and even if the third party bungled things, it's BB's job to make sure things are ok/to their agreement. Their employees/management should not be lying sacks of uselessness.


Consider trying a broker that offers free trading. Robinhood is one such broker.


Time takes its toll on everything, particularly on your body. Whether you like it or not, time will come when your body will no longer function as well as it did in your youth, and tell-tale signs of aging will show. Your skin, in particular, could be the best reminder that time is catching up, as sags and wrinkles start to appear.


Google is like a kid with a ray gun. it is fun but I ain't going to hand him my keys to go get me a six pack. anything that requires a personal touch is doa at Google. they're all social retards.


"The FTB, as any government agency, is understaffed and underpaid. Even if someone took a glance and it wasn't just an automated letter - consider the situation: you filed as a LLC and then amended to file as a partnership. Unless someone really pays attention - the obvious assumption would be that you had a limited partnership. Yes, you'll need to call them and work with them on fixing this. They do have all the statements you've attached. However, there's a lot of automation and very little attention to details when it comes to matching errors, so don't get surprised if no-one even looked at these statements. Next time your elected government officials talk about ""small government"" and ""cutting government expenses"" - you can remind yourself how it looks in action with this experience."


From my Capital Markets and Institutions assignment on 2007 - 2008 Financial Crisis The subprime financial crisis that emerged in the summer of 2007 is much too intricate and interwoven to place the blame solely on one organisation or group of individuals. Each actor involved is responsible for and party to—in varying degrees—the events that transpired. Mortgage brokers (individuals) • First line of contact between an originator and a borrower • Out to get theirs; greedy • Disregard for borrowers, only want to originate as many mortgages as possible • Engaged in controversial practices – confusing, pressuring, lying to borrowers in order to secure a mortgage • Took advantage of 2/28 mortgages in order to collect new origination fees • Offered piggyback mortgages requiring no money down Mortgage originators (organisations) • Began lending to subprime borrowers during the 1990s – done through brokers to whom they paid a commission • Largely supplanted loans made by the FHA through traditional lenders • Many originators acquired by large investment banks • Cashed in on and espoused the “American dream” of home ownership • Different interest rates charged to borrowers • Use of statistical software and credit scores to evaluate borrowers • Popularised 2/28 mortgages • Allowed borrowers to take out mortgages with little or no documentation • Rapidly increased $ amount of mortgages issued • In charge of servicing mortgages issued – making reasonable efforts to collect principal and interest, able to foreclose on properties when delinquent • Profited from massive fees (late and other) added when loans were delinquent • First firms to suffer from the increase in foreclosures Investment banks • Often acquired mortgage originators to gain yet another revenue stream • Responsible for creating CDO entities, often registered in tax havens • CDOs took on large positions in MBSs and created subordinate obligations, also CDOs • CDO entities held assets of other CDOs, creating a complex interwoven situation • CDOs were also involved with positions in other securities • IB-controlled hedge funds often hedged risks through buying highly-rated MBSs • CDOs holding long-term debt were funded through the short-term commercial paper market – high ratings secured through IB lines of credit • Also pioneered SIVs – relied on highly-rated CP market; lines of credit combined with investor equity allowed IBs to keep SIVs off B/S • IBs heavily invested in MBSs/CDOs began to run into liquidity problems • Required capital investment to remain operational – often found abroad (e.g. Abu Dhabi, Chinese, Singaporean governments) • Largely responsible for the monetary policy pursued by the Fed during 2007/2008 • Conduct raised questions as to the regulation of the entire financial industry • Contrast with their responsibility for much innovation and engineering in the financial services industry Credit ratings agencies • Party to major conflicts of interest • Overwhelmingly gave AAA ratings to MBSs • Agencies loosened their rating criteria and perhaps over-rated MBSs in an effort to gain more business from originators • Agencies also rated the debt of institutions that held positions in MBSs • CDOs holding MBSs obtained high ratings as well – statistical models used indicated them to be safe • Based high ratings in the commercial paper market on IB lines of credit – obliged the IBs in order to gain more business • Agency downgrades of MBSs/CDOs resulted in large IB losses, setting in motion further developments • Ratings became less useful as the MBS market froze up, with even AAA-rated MBSs struggling to find a market • Previously championed as an alternative to government intervention in the market • Role of ratings agencies heavily questioned in aftermath • Also questioned was how ratings in general should be used • RAs deflected claims that they acted irresponsibly during the subprime boom • Criticised for the large proportion of AAA-ratings given to MBSs o Argued that historical defaults on MBSs were lower than similar corporate bonds • Conflicts inherent in having issuers pay for ratings o Committees that assigned ratings were separate from negotiations regarding fees • Emphasized benefits of giving all investors free access to ratings rather than them paying for them • Wave of downgrades in 2nd half of 2007 a result of unexpectedly poor performance of subprime mortgages originated in 2006 o Attributed to: laxer underwriting standards, declines in housing prices, more restrictive borrowing standards that prevented borrowers from refinancing Investors • Backbone of many institutions – shareholders • Owned stock in IBs and GSEs, two major players in subprime crisis • Driving force behind institutions taking on riskier investments (e.g. MBSs) • Unwilling to inject more capital/equity into firms required them to turn elsewhere for aid • Worries that the crisis could spread to other markets (e.g. credit cards) added to worries • Grouped with IBs in being seen as responsible for the crisis o US government would not allow higher sale price for Bear Stearns to avoid appearance of bailing out investors


Imagine that your normal mode of using credit gets you a score of X. As time goes by your score trends upward if the positive items (length of credit) outweigh your negative items. But there are no big increases or decrease in your score. Then you make a one time change to how you use credit. If this is a event that helps your score, there will be a increase in your score. If it is bad thing your score will drop. But if you go back to your standard method of operating your score will drift back to the previous range. Getting a car loan for a few months to get a bump in your credit score, will not sustain your score at the new level indefinitely. Overtime the impact will lessen, and the score will return your your normal range. Spending money on the loan just to buy a temporary higher credit score is throwing away money.


For now Amazon is cool. It's trendy, innovative, smart, convenient, market competitive insert positive note after positive note. For now, Amazon is a trendy super power. Our society that places such a heavy importance on STEM (nothing wrong with that at all) swoons over there grocery ads where people walk into grocery stores and walk out. Oh Amazon has such a cool factor to it that for now people don't realize how powerful they are getting. The markets they are in, the markets they have plans for. Strangely I don't see Amazon losing their cool factor soon, but they will when people wake up. We wonder why 6 companies control the media, just a few control everything in the grocery store. 30 years from now, Amazon will be the subject of some tell all uncovering documentary wondering how it all happened.


Atm machine and my Credit Union account. Low fees (often zero, if the machine is on any of the same networks) and decent exchange rate, and no need to carry cash or traveler's checks to be exchanged. Alternatively, pay by credit card, though there is a foreign transaction fee on that.


Stock awards by employers are treated and taxed as salary. I.e.: you pay ordinary rate income tax, FICA taxes, State taxes etc. The fact that you got your salary in shares and not cash is irrelevant for tax purposes. Once you got the shares and paid your taxes on them, the treatment is the same as if you got the salary and immediately bought the shares. Holding period for capital gains tax purposes starts at the time you paid your taxes on the award, which is the time at which you get full ownership (i.e.: vesting time, for the restricted stocks). When you sell these stocks - you treat the sale as any other stock sale: you check the holding period for capital gains tax rates, and you do not pay (or get refund) any FICA taxes on the sales transaction. So bottom line: You got $10K salary and you bought $10K worth of company stock, and you sold it at $8K half a year later. You have $10K wages income and $2K short term capital loss.


"I must be part of the lower class then, for I will never have enough resources to incur such taxes. I receive so little (despite making two to three times my salary for my employer) that I qualify for many low-income services. From here, even your ""upper middle class"" are moneyed elite. Any fault in how I sound can be attributed to my lack of skill in expression. After being soundly beaten by the *tetsubo* of a malformed labor market (wielded by an invisible hand, no less) I know intimately its every spike and rivet."


The tax cost at election should be zero. The appreciation is all capital gain beyond your basis, which will be the value at election. IRC §83 applies to property received as compensation for services, where the property is still subject to a substantial risk of forfeiture. It will catch unvested equity given to employees. §83(a) stops taxation until the substantial risk of forfeiture abates (i.e. no tax until stock vests) since the item is revocable and not yet truly income. §83(b) allows the taxpayer to make a quick election (up to 30 days after transfer - firm deadline!) to waive the substantial risk of forfeiture (e.g. treat shares as vested today). The normal operation of §83 takes over after election and the taxable income is generally the value of the vested property minus the price paid for it. If you paid fair market value today, then the difference is zero and your income from the shares is zero. The shares are now yours for tax purposes, though not for legal purposes. That means they are most likely a capital asset in your hands, like other stocks you own or trade. The shares will not be treated as compensation income on vesting, and vesting is not a tax matter for elected shares. If you sell them, you get capital gain (with tax dependent on your holding period) over a basis equal to FMV at the election. The appreciation past election-FMV will be capital gain, rather than ordinary income. This is why the §83(b) election is so valuable. It does not matter at this point whether you bought the restricted shares at FMV or at discount (or received them free) - that only affects the taxes upon §83(b) election.


"if you have 401k with an employer already, has the following features: Your contributions are taxed That's only true if you're a high income earner. https://www.irs.gov/retirement-plans/2017-ira-deduction-limits-effect-of-modified-agi-on-deduction-if-you-are-covered-by-a-retirement-plan-at-work For example, married filing jointly allows full deduction up to $99,000 even if you have a 401(k). ""the timing is just different"" And that's a good thing, since if your retirement tax rate is less than your current tax rate, you'll pay less tax on that money."


If your employer offers a 401k retirement plan then you can contribute a portion of your salary to your retirement and that will lower your effective income to remain in the 15% bracket (although as others have pointed out, only the dollars that exceed the 15% bracket will be taxed at the higher rate anyway). AND if your employer offers any kind of 401k matching contribution, that's effectively a pay-raise or 100% return on investment (depending on how you prefer to look at it).


I have encoded videos that we watch via Apple TV XBMC on our overpriced Sony Bravia LCD in one room and a cheap Acer LCD in another. They look amazingly different on these two screens. Same movie, same playback unit, same HDMI connection, different TVs. The Sony presents a smooth display with few artifacts. Good motion, clean image on pause, etc. The Acer displays tons of MPEG encoding artifacts, palletized chunks in what should be smooth gradients, visible in motion as well as paused. I'm just saying that there is a different in what you get when you pay more.


Never borrow money to get a tax deduction. Even 18 months interest free is a stupid risk to save a few $ in taxes (we're talking $1K or less in tax savings from what I can tell in your questions).


Fast food doesn't have to be shitty. Five Guys is a great example of a good, fast, cheap burger. Same goes for local favorite [Whataburger](http://www.qsrmagazine.com/qsr-50/whataburger-way) Burger King and Wendy's see market share eroding and assume they have a marketing problem, which makes me want to ask the executive team-- have you tried the food lately? Nobody eats at BK because their food tastes like shit. Meanwhile, their [inexperienced CEO](http://investor.bk.com/burgerking/web/conteudo_en.asp?idioma=1&conta=44&tipo=43568) (35 year old PE guy (!)) is focused on [cost cutting] (http://www.businessweek.com/articles/2014-07-24/burger-kings-ceo-daniel-schwartz-is-33-years-old). What a joke. What BK needs is a complete menu overhaul-- higher quality beef, fresh ingredients, nothing frozen, yadda yadda. But short term, that sort of thing looks bad on the income statement. Which kind of makes me wonder why they bothered going private in the first place. Poster child for management gone wrong.


this seems like a bad idea. Example: You want to sell. He doesn't. But he doesn't have enough money to buy you out. What will you do? You might want to sell because you need money, you have to move, you want to get married, you want to start a new business, etc. You two are not equals (you need a place to live), so this is unlikely to work.


If iban and name don't match. This shud have been refunded. Logic says so. Otherwise they just ask for iban without other details if they won't be considered


Considering the Americans Funded him, trained him, gave birth to his murderous ideology and were great friends with him and gave him his entire Modus operandi , but could not stop him from flying two air liners into the world trade center in the Heart of America, living quietly in a nice mountain city near the Military Academy seems tame, the Pentagon/HQ is in the Capital, and there is probably a great deal more to this story, that asshole is probably in witness protection somewhere enjoying gin tonics in a free condo Ever wonder how a Math Teacher went into AbuGhraib and three months later comes out as a Terrorist master mind with weapons, vehicles, money and contacts to control a complete brand new terrorist network called ISIS or ISIL?


Puerto Rico: Last I checked, the Puerto Rico banking system wasn't materially different than working within the US - though some Continental US banks exclude US Territories like Guam and Puerto Rico or charge more when dealing with them. I'm not certain as to why. However, most banks don't see them any differently than a regular US bank. Regarding Wire Transfers (WT): $35 for an ad-hoc WT within the US and Puerto Rico is for the most part average. Wires cost money for the convenience of quick clearing and guaranteed funds. If you have a business/commercial account where you are doing this regularly and paying a monthly fee for a WT service, $10 - $15 each may be expected. I had a business account with US Bank where I paid $15 a month for a WT transfer service and reoccurring template (always went to the same account - AMEX in this case) and the transfers were only $15 each. But, a WT as a general rule, especially when it's only a once a month thing from a personal account, will cost around $25 - $35 in the US and Puerto Rico. As others have said, you can simply mail a personal check just as you would in the US. Many people choose to use Money Orders for Puerto Rico as they can be cashed at the post office (I believe there is an amount limit though). ACH: If you want even easier, I would use ACH. Banks in Puerto Rico use this ACH (Automatic Clearing House) system as we do in the Continental US. It will take a little longer than WT, but as you said - this is fine. Not all US Banks offer free ACH, but a number of them do. Last I checked, Citibank and USAA where among them. Banks like, BAC charges a small fee. Much smaller than a WT! This post may be useful to you: What's the difference between wire transfer and ACH?


"Plenty of links around, under the ""monetization"" heading. However my understand came from a local app developer who's done a number of presentations. He's been tweaking and trying to find new ways to develop his now quite successful app, with the aim of earning enough that he doesn't have to work doing databases. What he found was that ranking in app searches was dependent on downloads, and revenues (paid or ads) were dependent on total installs. Therefore if you go the paid app way, you don't get the downloads to get placement on search returns, so you don't get downloads - a negative spiral. In addition it's another barrier to get your potential user over. Thus you want free as the initial price. You can try the freemium route - but it really depends on continued usage rate. If people are to buy it in-app, then then need to regularly use it (and it has to be designed this way). But if you do this, you can get regular ad revenue as well - it might not be much, but it adds up. Hence his statement was to design to have high value ads built in to the way the app works, and allow people to also pay to get rid, or add new functionality."


This point stands. It's an accurate description. However, for clarity, they're not skimming money off your order in the traditional sense. They see your order, beat you to the punch, and place their own. They then sell it back to you at a higher price. Think brute force for the stock market.


"In the US, the ""first class forever"" postage stamps. The post office has never lowered the cost of a stamp, but has raise it several times recently. Given that the gov't has bailed out everyone else, I believe it is a safe bet that they would bail out the post office if it financially fell apart. And you can always use them to send a letter. They aren't very liquid, and it would probably be difficult to invest in them in large quantities. Although, when the post office does raise rates, you could sell yours off on ebay or something."


There is no inheritance tax on federal level there may be a tax at the state level. Inheritance taxes are different from estate taxes which effect the money that you would be inheriting before you receive it.


Worst case they'll be able to throw a ton of capital towards mining and start grabbing money that's currently going to other people. They see a stream of revenue and work towards capturing as much of it as possible. It's as reliable as gravity. Plan accordingly.


Relative to salaries? I don't think so. I suspect food quality (and thus how much we spend on it) has, however increased. Certainly,. things like mutton that were byproducts of other processes are almost never seen these days.


Yes, of course. My point is there are lots of different ways this could be funded. For instance, one of the doctors complained that insurance only paid him $100 for a one-hour exam, but it costs him $300/hour to operate his office - so he quit taking insurance. He said single payer is the way to go. But what if single payer also only pays him $100 for the exam? Then it's probably not so great. If single payer pays him $300, but it requires a 20% payroll tax to fund the system, would that be great? (I am not questioning a single payer system. I am only questioning the lack of information in endorsing a single payer sysetm.)


"The most important thing is not to tell yourself ""I'll save more later in my career when I have more disposable income,"" because of two factors. 1) You will get raises over your career, but unless you make it big, it will never really feel like you have extra money. You may double or triple your salary over a career, but it usually happens in small increments which your lifestyle tends to adjust upwards to meet even though it doesn't feel like it. 2) Later in your career you may have more money to save, but now the commodity you have is time. Your total savings at retirement are going to be influenced in a massive way by both of these factors. A good strategy is save SOMETHING early in your career even if it feels like an insignificant amount. Then save larger amounts later in your career when you are earning more, but have less time for your investments to grow and less tolerance for high risk/high growth investments."


I worked at Sears then commission only while in college. Taught me how to sell and I actually made decent money. I see no problem with that in high ticket electronics sales as long as the business model supports it. Clearly the model didn't at Sears, CC, or HH Gregg


"Your views are quite obvious. The facts are that Netflix was one of the leaders in the ""fight"" and have since taken a step back for business reasons. I supported this with sources. You criticize my claim without source and don't even refute my claim in the first place."


Nice idea. When I started my IRAs, I considered this as well, and the answer from the broker was that this was not permitted. And, aside from transfers from other IRAs or retirement accounts, you can't 'deposit' shares to the IRA, only cash.


"I'm sorry you are going through this, but what you are dealing with is exactly is how cosigning works. It is among other reasons why you should never cosign a loan for someone unless you are 100% prepared to pay the loan on their behalf. Unfortunately, the main ""benefit"" to cosigning a loan is to the bank - they don't care who makes payments, only that someone does. It is not in their interest to educate purchasers who can easily get themselves into the situation you are in. What your options are depends a fair bit on the type of loan it is. The biggest problem is that normally as cosigner you cannot force your friend to do anything. If it is for a car, your best bet is to convince them to sell the car and hopefully recoup more than the cost of the loan. Many workplaces have some sort of free service to provide counseling/guidance on this sort of thing. Look into your employee benefits as you may have some free services there. You can sue your friend in small claims court, but keep in mind: It also depends on how big the loan is relative to your income. While it might feel good to sue your friend in small claims court, if it's for $500 it probably isn't worthwhile - but if your friend just stopped paying off their $30k vehicle assuming you will pay for it, even though they can pay for it themselves?"


Don't let the tail of credit score wag the dog of prudent financial planning. If you have a sufficient emergency fund in addition to the car cost, then buying the car for cash is to my mind a better plan. But if the car purchase would deplete your emergency fund, then I'd go for the loan. Cash in hand gives you optionality that can be very valuable when things go wrong. And credit will be withdrawn at exactly the most painful moment.


There are checks, international wire transfers (SWIFT), depending on country pair remittance services.


You're focusing on the wrong thing here. You should be paying off debt, not borrowing. Thus your credit score is of almost no relevance. There is no lasting effect from credit utilization, one cycle after you have everything paid off it's going to have the same credit score no matter what order you pay them off in. I would look at which of the first three has the highest interest rate and pay it off first. You can pay any of them off in one month so whichever you pick you get one card down to $0 and restore it's grace period. After that, sort them by interest rate.


Short-term, getting a balance transfer will help. It'll reduce the interest you pay. You can also reduce the interest you pay on your cars if you are able to consolidate your debt into a personal loan. To your question about debt consolidation companies, as far as I know, that's all they do. However, long-term, there's only two ways to stay on top of debt: increase your income, or reduce your spending. Basically, if you can't or won't get a raise or a job that pays more (or a second job), you need to cut back on your spending. You might need to do something radical, like move somewhere with cheaper rent (as long as increased travel costs doesn't offset the saving). But you'll be much better off in the long run if you step back and take a look at your situation now, and make adjustments accordingly.


First off, this is a post for /r/personalfinance. Second off, if you want to think of this like an accountant/financier, those are the bank's 10233 dollars, not your's, and you are paying them 6% to keep that money. If you are confident that you are going to make more than 6% interest on any investments you make with that money, it makes sense to do so, although your return will be 6% less in reality. You also assume the risk of losing money on the investment and not having enough money to repay your loans. tl;dr Pay off the loan.


Jeopardy style: The occupation of most legislators prior to being elected What is lawyers? So the folks that set up the system that so greatly benefits lawyers were lawyers. There's a great line from the movie Barbarians at the Gate that is quite fitting for these times >The only thing I want from a banker is a calendar and the only thing I want from a lawyer is for them to be back in their coffin before the sun comes up.


"There are many paths to success, but they all begin with education. You made the first big step just by visiting here. We have 17,000 questions, arranged by tag so you can view those on a given topic. You can sort by votes to see the ones that have the best member acceptance. I'll agree with Ben that one of the best ones is ""The correct order of investing."" We both offered answers there, and that helps address a big chunk of your issue. The book recommendations are fine, you'll quickly find that each author has his/her own slant or focus on a certain approach. For example, one financial celebrity (note - in the US, there are private advisors, usually with credentials of some sort, there are those who work for brokers and also offers help, there are financial bloggers (I am one), and there are those who are on the radio or TV who may or may not have any credentials) suggests that credit cards are to be avoided. The line in another answer here, ""You're not going to get rich earning 1% on a credit card,"" is a direct quote of one such celebrity. I disputed that in my post ""I got rich on credit card points!"" The article is nearly 2 years old, the account accumulating the rewards has recently passed $34,000. This sum of money is more wealth than 81% of people in the world have. The article was a bit tongue in cheek (sarcastic) but it made a point. A young person should get a credit card, a good one, with no fee, and generous rewards. Use the card to buy only what you can pay back that month. At year end, I can download all my spending. The use of the card helps, not hinders, the budgeting process, and provides a bit of safety with its guarantees and theft protection. Your question really has multiple facets. If these answers aren't helpful enough, I suggest you ask a new question, but focus on one narrow issue. ""Paying off debt"" ""Getting organized"" ""Saving"" ""Budgeting"" all seem to be part of your one question here."


"Ben is 100% correct. The question is how the police and even army are managed. In Chicago, the police is useless and crime is rampant. Police, Defense (Army) and health care not ""rights"", but a service provided by your government. It's all about how it's implemented. Obamacare is a disaster, unaffordeable, and soon not available because of all the insurance companies who quite supporting it or want to quit. Trump is not against national health care system. He just want to / have to / no choice but to fix the mess created by Obama. Let's wait and see what his fixes are all about."


i don't understand why people try to do this as a living. the people bulge brackets hired to do prop trading with the best equipment, capital, technology still has a hard time trading. Oh and they are smarter than you will ever be with . And they have been learning on the job for years


I assume you mean Stock Mutual funds. 2008 wasn't that long ago. Down 37%. 07/08 combined were down 34%, or 07/09 down 20%. The point of the long term is that over time, a decade will almost ensure a positive return. 2 years is too short, in my opinion.


"Of course there can always be _some_ ways you can integrate some amounts of social responsibility into product, but I don't think that's the point he's making. Social responsibility would be called ""business best practice"" if it improved the bottom line. It is inevitable that there are times when social responsibility and business goals diverge, and at that point given two companies that are in the same market space, the one who bets against society will win. This is the sort of thing that _must_ be handled in law, and absolutely cannot be handled by allowing the free market to work because the free market will not discover ethics, it will discover that ethics don't matter in an environment that doesn't require them. It's the reason any claim that business does best when there are no regulations is absolutely false. If a company can make more by polluting and you don't have regulation that says clearly ""it may cost more, but we require you to compete by also being non-pollutiong"", then you should expect the market to converge on pollution as ""best practice"". Removing regulation won't allow business to sort this out, it will allow business to not care that they are polluting. There is the notion of a B-corp that is organized for the purpose of trying to be good guys without being sued. but it doesn't assure that they will have a fair stake int he market. It just allows them to fail without getting sued by stock holders. Basically if everyone is not required to be that level of good guy, though, B-corps are basically indulging unilateral disarmament. Sure, they can make a case that ethics matter, and that might work, but they don't need B-corp protection for that. If making the case that ethics matter was going to win in the market, any corporation could do it. For more thoughts, so I don't have to drone on here, see my articles [Fiduciary Duty vs. The Three Laws of Robotics](http://netsettlement.blogspot.com/2009/02/fiduciary-duty-vs-three-laws-of-robotics.html) and [Losing the War in a Quiet Room](http://netsettlement.blogspot.com/2012/01/losing-war-in-quiet-room.html)."


If the child is a dependent the question is moot. It is accepted that the parent will pay for some, most, or all of the tuition. There is no tax issue for a current student. The payment of tuition helps them qualify as a dependent. There is no need to transfer the money to the child's account; it can be sent directly to the school. If the money is to be used in the future there are accounts such as 529s pre-paid accounts, and Coverdell savings accounts that can be used. All have pluses and minuses, all can impact taxes, and all can impact financial aid calculations.


I say again, more than a trillion dollars in student loan debt represents tremendous leverage if people in debt would form a consumer group and threaten to withhold payments until Congress retroactively gives them a much lower interest rate and brings back the ability to get out from under huge debt via bankruptcy, just like corporations do.


You could conceivably open a few accounts. For example, a bank account and a credit card account. Then the accounts will be older when evaluated for credit when you return. This would look better than opening fresh accounts later. But don't expect a big difference in score. And you'll be stuck with those accounts in the future, otherwise you lose the benefit. I wouldn't worry about maintaining balances now. You can wait until you come back. Occasional purchases may be helpful. What they really want to see is a regular and sustained use of accounts without missing payments or overextending. But if you're not going to be here, you can't really do that. Note that good credit scores are based on seven years of data, preferably a lot of it. Opening a few accounts can't substitute for that, even if you put balances on them. If you're not here, you won't be paying rent or utilities. You won't have a proven payment history on the most common accounts. If money were no object, you could do something like purchase a house or condo that you could rent out, utilities included. That would build up a payment history. But if money were no object, you probably wouldn't be worried about your credit score. It's more practical to just live normally and be sure that you always live within your means so that you don't experience negative credit events. You might think about why you want a good credit score. Is it to borrow a lot of money? You might be able to spend money to achieve that. Is it to save money on future borrowing? If it costs money now, how much will you save total? Opening accounts now that you won't really use until you return is about the only thing that you can do that won't cost you money. Perhaps put a balance on the bank account--at least you'll get that money back some day. Maintaining a balance on the credit cards would cost you money in interest charges, and you don't really benefit from an improved credit score until you use your credit. So the interest fees aren't really buying you anything.


A company generally sells a portion of its ownership in an IPO, with existing investors retaining some ownership. In your example, they believe that the entire company is worth $25MM, so in order to raise $3MM it is issuing stock representing 12% of the ownership stake (3/25), which dilutes some or all of the existing stockholders' claims.


Of course they did, this whole administration is basically a con to get as much money as possible before either they're caught or quit, but it's ok because surely all that cash is gonna trickle down to me. At least I was told that by the grand ol' party.


"I've never heard of rent quoted per week. Are you in the US? In general, after the down payment, one would hope to take the rent, and be able to pay the mortgage, tax, insurance, and then have enough left each year to at least have a bit of emergency money for repairs. If one can start by actually pocketing more than this each year, that's ideal, but to start with a rental, and only make money ""after taxes"" is cutting it too close in my opinion. The 19 to 1 ""P/E"" appears too high, when I followed such things I recall 12 or under being the target. Of course rates were higher, and that number rises with very low rates. In your example, a $320K mortgage at 4% is $1527/mo. $400/wk does not cut it."


"> Bernie wasn't even accountable to his own donors, that's why they're suing him ;) Haha silly boy... lame joke, but donors are suing the DNC, not Bernie. >The only solution is for the government to stop inserting itself between people and Healthcare. Only then with direct pricing, lower barriers to entry, private charity and consumer choice can we lower costs. Cartels only exist because of state mandated regulation, patent law and government mandated Healthcare. You have been sold the ""freedom"" pill by corporations that want their Ayn Rand puppets in the Republican party to do exactly what you are proposing. How will consumer choice improve if you let health insurance companies set their own rules? how will you lower barriers to entry when behemoths like Aetna and co. can come in and swallow up competitors whole? where are the private charities that help poor black kids in forgotten areas? (unless you think they are sub-human and don't deserve any help). How can we keep corporations accountable when we let their cartels, monopolies, and oligopolies do what they please with our lives? You live in a fantasy world where all of a sudden Jonny Schmoe Insurance will swoop in and create more affordable choices for all. You are deluded if you think this is how the real world works. Cartels exist because if you don't put up barriers to profit seekers, they will seek to accumulate more and more, and they will seek to consolidate more and more power and market share. Government officials are simply a commodity they have to buy, or else consumers/communities might actually organize and have a voice against their rapacious quest for MOAR. Without that representative ""public servant"", they could give three shits about appeasing anybody but their shareholders. It is the wet dream of assholes like Trump and his tea party Ayn Rand sociopaths."


FTSE is an index catering to the London stock exchange. It is a Capitalization-Weighted Index of 100 companies listed on the London Stock Exchange with the highest market capitalization . When somebody says FTSE closed at 6440, it basically means at the end of the day, the index calculated using the day end market capitalization of the companies, included in the index, is 6440.


He can send you a check. This will move the burden of GBP->USD conversion to him (unless the GBP amount is preset, then you'll be the one to pay for conversion either way). You can then deposit the USD check in any Israeli bank (they'll charge commission for the deposit and the USD->ILS conversion). Another, and from my experience significantly cheaper, option would be to wire transfer directly to your account. If you have a USD account and he'll transfer USD out - it will be almost at no cost to you, if you don't have a USD account check with your bank how to open it, or pay for USD->ILS conversion.


It looks like a coin toss. What you have isn't bad at all. If you have enough free time with your $50k job to do extra stuff on the side, you can use that time to build a business. You're obviously a go-getter type, so this might suit you. Which job is closer to your calling? All other things being equal, the more fulfilling job should win, no?


If You use the car regulary, I don't think that driving on the bald tires for 3 years is a reasonable option. Have You considered buying used tires? Those will be cheaper and will last till You get to replace the car.


I prefer TaxAct. I find it simpler to use and more helpful in helping answer the questionnaire. I have a fairly complex tax return and it handles it just fine.


As it is international debits, this will take a while. BofA is right, You have to dispute this with Card Issuer, i.e. HDFC. The worst case for me was around 1 month. Keep chasing and sending out reminders every 3-4 days.


Yes it is viable but uncommon. As with everything to do with investment, you have to know what you are doing and must have a plan. I have been successful with long term trading of CFDs for about 4 years now. It is true that the cost of financing to hold positions long term cuts into profits but so do the spreads when you trade frequently. What I have found works well for me is maintaining a portfolio that is low volatility, (e.g. picking a mix of positions that are negatively correlated) has a good sharpe ratio, sound fundamentals (i.e. co-integrated assets - or at least fairly stable correlations) then leveraging a modest amount.


Anyone dissing America needs to realize how many people would kill for citizenship here. We have our flaws, like any other place on earth, but we are and always will be the land of the free and the home of the brave. As a woman, I've dealt with the last strands of sexism in this country and as a young adult I've dealt with the shitty hand my generation was dealt as far as housing and education but I wouldn't give my birthright up for anything. All I have to say is, we still run the world and however fucked our government is right now, we will ALWAYS learn and grow and prosper. If you don't appreciate all that America is , GET OUT!


I just returned from overseas and for the most part it isn't TSA thats the worst part its the other parts that get added on. In comparison if I fly through to another country in Europe my items are checked through, I'll wait 15 minutes to get my passport stamped and stand in line for my plane. If you land in America from international you have to wait through customs (I just waited 1.5 hours but I know thats not standard) then I had to get my bags and recheck them through the airline, and finally I had to go through security yet again except this time instead of having to take things out of my pockets I had to remove my shoes, take everything out of my pockets and then get a complete body scan (not sure how I feel about those yet though I know many on here hate them) It really is just more inconvenient and seemingly unnecessary


Everyone pays their personal income tax with funds from their employer; some of it through withholding, and the rest through the balance due at the time of filing. All that is happening here is that the company is calculating your personal tax return for you, and fiddling retroactively with the gross salary to yield a specific after-tax salary. One problem is that there is a lot of information I put in my return to earn deductions, that I would not care to tell my employer. The system would also appear to be contrary to public policy. Governments create tax deductions to give a larger income to those with socially acceptable expenses: health care, dependents, etc. The system you describe would give employees with such deductions a lower gross salary.


"AFAIK they use entirely different LTE frequencies in Japan and the US, hence the issues with the ""new iPad"" being LTE in the States but not here. Additionally, there are still Japanese manufacturers who are big brands in the Japanese market, but more or less unheard of overseas. So there's likely to be relatively limited scope for economies of scale regarding handsets. Sure, with a limited number of handsets (e.g. the iPhone) you may be able to place a larger order, but when was the last time you heard of a network operator dictating terms to Apple? That's why only Softbank had the iPhone at launch, because they were the only one willing to cede to Apple's high pricing demands. And that's before you even get into language related issues. As far as LTE equipment goes, it depends on suppliers and whether the practicalities of ordering equipment for two very different territories, thousands of miles apart, with very different geography will bear a lot of fruit. As for people traveling between Japan and the States, its such a tiny proportion of customers, it would barely make a dent. And most corporate customers historically favor DoCoMo anyway and given Japanese business culture are unlikely to change any time soon. In a nutshell, the synergies may not be as strong as it first seems."


Retail is not in crisis... In fact it in in a reinvention stage. You see the problem Sears is facing, and Wal-Mart will face is the fact that the digital transformation is proving to be a jobs engine therefore meaning it will not stop. Additionally you have the problem of selection... Wal-Mart, Sears, KMart all use to work for busy busy Americans in a up swinging economy. Quick one stop shops that were often much cheaper then their local counter parts. This was achieved by using the same model that is now completely obsolete. That model paired large broad selection spanning multiple departments and categories. This model could never afford to display a full variety of products in any one category so it choose a selection of strong selling brands. It was all mass appeal. Today more and more consumers want a bigger selection, nicer cutting edge products, and knowledge. Additionally they want speed and convenience. Nothing about this describes a Wal-Mart which are usually located in-between residential areas, as opposed to strip malls which have crept into many suburban areas. Same with Sears. Malls scream traffic and time, and are usually located far away from main street and my street. Want a true prediction. The death of Sears is followed by a rapid decline in Wal-Mart as Kroger overtakes Wal-Mart in reach and scale. LIDL grows across the landscape capitalizing on excess retail space. Amazon splits into two; with grocery/pharmacy being a major piece of a new company and they continue to streamline your grocery visit. And last but not least, main street thrives. With The big department stores disappearing, their competition will fill the void. Best part of this scenario is the result in the economic market.


Out of curiosity what do you like about buying shoes online other than the convenience of not having to go to store? I personally can't get into the habit of buying clothes and especially shoes without trying them on. Usually end up trying on 5+ shoes before I find the one that feels the best.


"First off, leaving money in a 529 account is not that bad, since you may always change the beneficiary to most any blood relative. So if you have leftovers, you don't HAVE to pay the 10% penalty if you have a grandchild, for instance, that can use it. But if you would rather have the money out, then you need a strategy to get it out that is tax efficient. My prescription for managing a situation like this is not to pay directly out of the 529 account, but instead calculate your cost of education up-front and withdraw that money at the beginning of the school year. You can keep it in a separate account, but that's not necessary. The amount you withdraw should be equal to what the education costs, which may be estimated by taking the budget that the school publishes minus grants and scholarships. You should have all of those numbers before the first day of school. This is amount $X. During the year, write all the checks out of your regular account. At the end of the school year, you should expect to have no money left in the account. I presume that the budget is exactly what you will spend. If not, you might need to make a few adjustments, but this answer will presume you spend exactly $X during the fall and the spring of the next year. In order to get more out of the 529 without paying penalties, you are allowed to remove money without penalty, but having the gains taxed ($y + $z). You have the choice of having the 529 funds directed to the educational institution, the student, or yourself. If you direct the funds to the student, the gains portion would be taxed at the student's rate. Everyone's tax situation is different, and of course there is a linkage between the parent's taxes and student's taxes, but it may be efficient to have the 529 funds directed to the student. For instance, if the student doesn't have much income, they might not even be required to file income tax. If that's the case, they may be able to remove an amount, $y, from the 529 account and still not need to file. For instance, let's say the student has no unearned income, and the gains in the 529 account were 50%. The student could get a check for $2,000, $1,000 would be gains, but that low amount may mean the student was not required to file. Or if it's more important to get more money out of the account, the student could remove the total amount of the grants plus scholarships ($y + $z). No penalty would be due, just the taxes on the gains. And at the student's tax rate (generally, but check your own situation). Finally, if you really want the money out of the account, you could remove a check ($y + $z + $p). You'd pay tax on the gains of the sum, but penalty of 10% only on the $p portion. This answer does not include the math that goes along with securing some tax credits, so if those credits still are around as you're working through this, consider this article (which requires site sign-up). In part, this article says: How much to withdraw - ... For most parents, it will be 100% of the beneficiary’s qualified higher education expenses paid this year—tuition, fees, books, supplies, equipment, and room and board—less $4,000. The $4,000 is redirected to the American Opportunity Tax Credit (AOTC),... When to withdraw it - Take withdrawals in the same calendar year that the qualified expenses were paid. .... Designating the distributee - Since it is usually best that the Form 1099-Q be issued to the beneficiary, and show the beneficiary’s social security number, I prefer to use either option (2) or (3) [ (2) a check made out to the account beneficiary, or (3) a check made out to the educational institution] What about scholarships? - The 10 percent penalty on a non-qualified distribution from a 529 plan is waived when the excess distribution can be attributed to tax-free scholarships. While there is no direct guidance from the IRS, many tax experts believe the distribution and the scholarship do not have to match up in the same calendar year when applying the penalty waiver. If you're curious about timing (taking non-penalty grants and scholarship money out), there is this link, which says you ""probably"" are allowed to accumulate grants and scholarship totals, for tax purposes, over multiple years."


I love technical analysis, and use candlesticks as part of my technical analysis system for trading mutual funds in my 401K. However, I would never use a candlestick chart on its own. I use combination of candlesticks, 2 different EMAs, MACD, bollinger bands, RSI and hand drawn trend lines that I constantly tweak. That's about as much data input as I can handle, but it is possible to graph it all at once and see it at a glance if you have the right trading platform. My approach is very personal, not very aggressive, and took me years to develop. But it's fairly effective - 90% + of my trades are winners. The big advantage of technical analysis is that it forces you to create repeatable rules around which you base your trading. A lot of the time I have little attention at all on what fund I am trading or why it is doing well in that particular market condition. It's basically irrelevant as the technical system tells when to buy and sell, and stops you trying to second guess whether housing, chemicals, gold or asian tigers are is doing well right now. If you don't keep to your own rules, you have only yourself to blame. This keeps you from blaming the market, which is completely out of your control. I explain many of my trades with anotated graphs at http://neurotrade.blogspot.com/


I know that there are a lot service on the internet helping to form an LLC online with a fee around $49. Is it neccessarry to pay them to have an LLC or I can do that myself? No, you can do it yourself. The $49 is for your convenience, but there's nothing they can do that you wouldn't be able to do on your own. What I need to know and what I need to do before forming an LLC? You need to know that LLC is a legal structure that is designed to provide legal protections. As such, it is prudent to talk to a legal adviser, i.e.: a Virginia-licensed attorney. Is it possible if I hire some employees who living in India? Is the salary for my employees a expense? Do I need to claim this expense? This, I guess, is entirely unrelated to your questions about LLC. Yes, it is possible. The salary you pay your employees is your expense. You need to claim it, otherwise you'd be inflating your earnings which in certain circumstances may constitute fraud. What I need to do to protect my company? For physical protection, you'd probably hire a security guard. If you're talking about legal protections, then again - talk to a lawyer. What can I do to reduce taxes? Vote for a politician that promises to reduce taxes. Most of them never deliver though. Otherwise you can do what everyone else is doing - tax planning. That is - plan ahead your expenses, time your invoices and utilize tax deferral programs etc. Talk to your tax adviser, who should be a EA or a CPA licensed in Virginia. What I need to know after forming an LLC? You'll need to learn what are the filing requirements in your State (annual reports, tax reports, business taxes, sales taxes, payroll taxes, etc). Most are the same for same proprietors and LLCs, so you probably will not be adding to much extra red-tape. Your attorney and tax adviser will help you with this, but you can also research yourself on the Virginia department of corporations/State department (whichever deals with LLCs).


That is telling about our financial system. I suppose a lot of the derivative stuff is due to functional debt? However lets leave this for now. What I am getting at is that how can there be a way for rich people to be richer than they where supposed to, if we know where all the money is.


Right it's less or a headache but they still pay more to use the staffing agency overall than they would doing it themselves, benefits or not. Staffing agencies wouldn't be able to make money if that weren't true. Generally if you are making about $10 an hour the factory is actually paying like $13 hour to the staffing agency. They mostly just do it so it's super easy to get rid of you with no hastle, if they don't like you. The staffing agencies just places you somewhere else.


My experience (from European countries, but not Portugal specifically) is that it's better to change in the European country, as many banks will give you US $ as a matter of course, while in the US (insular place that it is), it can be rather difficult to find a place to exchange money outside an international airport. In fact, I have a few hundred Euros left from my last trip, several years ago. Expected to make another trip which didn't come off, and haven't found a place to exchange them. PS: Just for information's sake, at the time I was working in Europe, and found that by far the easiest way to transfer part of my salary back home was to get $100 bills from my European bank. Another way was to withdraw money from an ATM, as the US & European banks were on the same network. Unfortunately the IRS put a stop to that, though I don't know if it was all banks, or just the particular one I was using. Might be worth checking, though.


"what are the incentives to that person to actually pay off his/her debt as opposed to just walking away from it and relying on the cash (s)he has for the future spending needs as opposed to borrowing Well, you can't just ""walk away"" from debt - you still owe it. Eventually your creditors would end up suing you in court for the money, plus interest owed. I suppose you could try to continually duck the authorities, but you'd still owe the money legally."


On the US markets, most index options are European style. Most stock and ETF options are, as you noted, American style.


I am not an accountant, but I have a light accounting background, despite being primarily an engineer. I also have a tiny schedule C business which has both better and worse years. I am also in the United States and pay US taxes. I assume you are referring to the US Form 1040 tax return, with the attached Schedule C. However little I know about US taxes, I know nothing about foreign taxes. You are a cash-basis taxpayer, so the transactions that happen in each tax year are based on the cash paid and cash received in that year. You were paid last year, you computed your schedule C based on last year's actual transactions, and you paid taxes on that income. You can not recompute last years schedule C based on the warranty claim. You might want to switch to an accrual accounting method, where you can book allowances for warranty claims. It is more complex, and if your business is spotty and low volume, it may be more trouble than it is worth. At this point, you have two months to look for ways to shift expenses into next year or being income into this year, both of which help offset this loss. Perhaps a really aggressive accountant would advise otherwise (and remember, I am not an accountant), but I would take the lumps and move on. This article on LegalZoom (link here) discusses how to apply a significant net operating loss (NOL) in this year to the previous two years, and potentially carry it forward to the next two years. This does involve filing amended returns for the prior two years, showing this year's NOL. For this to be relevant, your schedule C loss this year must exceed your other W2 and self-employment income this year, with other tests also applied. Perhaps a really aggressive accountant would advise otherwise (and remember, I am not an accountant), but I would take the lumps and move on.


"You are not allowed to take a retirement account and move it into the beneficiary's name, an inherited IRA is titled as ""Deceased Name for the benefit of Beneficiary name"". Breaking the correct titling makes the entire account non-retirement and tax is due on the funds that were not yet taxed. If I am mistaken and titling remained correct, RMDs are not avoidable, they are taken based on your Wife's life expectancy from a table in Pub 590, and the divisor is reduced by one each year. Page 86 is ""table 1"" and provides the divisor to use. For example, at age 50, your wife's divisor is 34.2 (or 2.924%). Each year it decrements by 1, you do not go back to the table each year. It sounds like the seller's recommendation bordered on misconduct, and the firm behind him can be made to release you from this and refund the likely high fees he took from you. Without more details, it's tough to say. I wish you well. The only beneficiary that just takes possession into his/her own account is the surviving spouse. Others have to do what I first described."


"The short answer is yes you can, but you have to make sure you do it correctly. If you are employed by a tech company that does contract work at a separate location and you don't get reimbursed by your employer for travel expenses, you can claim the mileage between your home and location B as a business expense, but there's a catch - you have to subtract the mileage between your home and location A (your employer). So if it's 20 miles from your house to your employer (location A), and 30 miles from your house to the business you're contracting at (location B), you can only claim 10 miles each way (so 20 miles total). Obviously if the distance to location B is closer than your employer (location A), you're out of luck. You will have to itemize to take this deduction, by filling out a Schedule A for itemized deductions and Form 2106 to calculate how much of a deduction for travel expenses you can take. Google ""should i itemize"", if you're unsure whether to take the Standard Deduction or Itemize. Sources:"


Will the taxpayers be given a refund on their tax bills if this deal goesn't through? What else will the tax dollars be spent on ? The reality is, either the state can invest in things that create jobs, or they can spend on things that create nothing.


Best buy also has free delivery on most TVs that include a basic setup and haul away on a tv if you want it. It depends store to store if they will price match to online sites though they normally add in the shipping cost to the match if there is any shipping fee.


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First is storage which is a big and a detrimental headache. Security is another big headache. Investing in precious metal has always been an investment opportunity in the countries in the east i.e. India and China because of cultural reason and due to absence of investment opportunities for the less fortunate ones. It isn't the case so in the West. Secondly what is the right an opportune moment is open to question. When the worlwide economy is up and running, that is probably the time to buy i.e. people would like to put money in use rather than store. The saying goes the other way when the economy is stagnating. Then there is also the case of waiting out the bad periods to sell your gold and silver. If you do want to buy precious metals then use a service like BullionVault, rather than doing those yourself. It takes care of the 2 big headaches, I mentioned earlier.


Per the Washington Post, [here](http://www.washingtonpost.com/wp-dyn/content/article/2010/12/25/AR2010122502600.html): *The BPP's inflation measure is markedly different from the government's. The economists average all the prices culled online, meaning the basket of goods is whatever you can buy on the Web. (Some items, like books, are most often bought online. Others, like cats, are not.) Plus, the researchers do not weight certain items' prices, even if they tend to make up a larger proportion of household spending.* *Still, thus far, the BPP has tracked the CPI closely.*


Hopefully they'll put in some kind of online ordering and curbside pickup because all the Whole Foods stores around here have ridiculously small parking lots. Plus all the spaces are painted in extra small. Avoid unless you're driving an old banger that you don't mind some nutter scraping the side of with their SUV.


Not surprised. This is on the back of several news stories of UK Businesses' complaints about the company. The now infamous stories of how a business was overwhelmed by customers, how the deal was poorly structured, and the most damage revelation that there is rarely an increase in business post-deal.


I'm sure the people at *The Weinstein Company* had absolutely no idea, and had never heard rumors, that he used his position to take advantage of women sexually. /s Hollywood is a chatty Kathy industry. There's a 0.00% chance the higher ups at his company didn't know what he did on his casting couch. So, I'm not sure what good it does for an organization that almost assuredly turned a blind eye has fired the man the turned a blind eye towards.


in the time of pregnancy, we have to be careful about mother and newborn baby. All related information like what should a pregnant woman not eat, pregnancy tracker, calculator etc. you will find at our website.


Well, yes, it's just an observation. But I travel 100 days per year or so and for years I was saving money and staying in awesome places in many different countries. Now when I go on airbnb prices I just don't see the value anymore.


Well-defined definitions of a successful tax plan and its likely outcomes. Concrete, simple tax brackets. Hard numbers with real world value, not rhetorical promises washed through special interest groups and lobbyists. Well done. There's no way the current administration will do anything remotely this intelligent.


"As others have pointed out, the theoretical prices in each exchange rate are identical. However, the cost to you may vary. You need to work out the ""opportunity cost"" of using each of the three currencies, because you lose money every time you convert between two currencies. Let's supposed for example that you live in Canada and earn and spend CAD there, but also happen to have some HKD. To keep this simple I'll ignore the USD, but you can apply the same reasoning to that. If you're not planning on visiting Hong Kong for a while, then your holdings of HKD are just gathering dust, so your choices are to convert them to CAD and make the GBP purchase in CAD, or to spend the HKD directly on the GBP purchase. Probably the first option will end up costing you more in conversion fees than the second, but you need to look at the precise costs to verify this. If you are planning on visiting Hong Kong soon and will need the HKD, then the choices are somewhat different. You can either spend CAD on the GBP purchase, or you can spend the HKD on the GBP purchase and then soon convert some CAD into more HKD for your trip. In this case the first option will probably end up costing you less in conversion fees."


> Ok, I see your sarcasm, but what specifically did the executives do to cause the scandal? You should read this: https://www.vanityfair.com/news/2017/05/wells-fargo-corporate-culture-fraud And this: http://fortune.com/2016/10/12/wells-fargo-fake-accounts-scandal/ And watch this sack of shit who walked away with a $133M payday testifying before Congress: https://www.youtube.com/watch?v=xJhkX74D10M If you're sincere, it's hard for me to believe that these things won't change your mind. If I'm wrong, there's not much point in continuing.


With rich industry experience and understanding of the client requirements,we VFIRST have successfully built ourselves as producer,exporter and supplier of mosquito nets in Coimbatore. Our product plays a major role in the market owing to their flawless quality, beautiful designs and patterns.we work with dedication and motivated team of designers,quality inspector and other technical experts.


As a person that has used android for a long time and use an iphone for work. noification lights are good so it doesn't double alert you if you ignore it is nice. custom keyboards, anything you don't like that's stock can be changed (especially with the s4 and s5 because the samsung keyboard and touchwiz launcher are shit) the one thing I can give the iphone over my other phones especially on the 5s is the Camera even though they seem to have that iphone picture look the camera just works so much better


Shop lots of houses. Find at least three you want and start by offering a low price and working your way up. Your risk is that houses you would have liked get bought by someone else while you are negotiating, that is how you discover how much you actually have to pay to get a house. Brokers only get paid if a deal closes. That is their incentive to get you a better price. If they know you will buy a different house unless the one they are selling gets your business, then they will work to make that happen.


Buying stocks is like an auction. Put in the price you want to pay and see if someone is willing to sell at that price. Thing to remember about after hours trading; There is a lot less supply so there's always a larger bid/ask price spread. That's the price brokers charge to handle the stocks they broker over and above the fee. That means you will always pay more after the market closes. Unless it is bad news, but I don't think you want to buy when that happens. I think a lot of the after market trading is to manipulate the market. Traders drive up the price overnight with small purchases then sell their large holdings when the market opens.


It might be illegal for the very reason you stated: The process of printing checks may seem like check forgery. Banks in the US are allowed to do that, and the only condition under which you can do it with your iPhone (again, in the US) is the same as the one for banks: you can produce the original check on demand. Of course, if the whole thing is legit and no-one is going to dispute the check (=no-one will demand the original from you), it might work (legal issues aside). It works in the US. Beware of several things: It might not work. Banks can demand the original. If you can't produce one on demand, especially if the transaction is reported as fraudulent, you may get into a lot of trouble. Photocopying checks might not be legal in your jurisdiction (you're not in the US, you need to check local laws). Photocopying checks may result in images that cannot be deposited (like the word VOID appearing all around). That doesn't usually happen when taking a snapshot with an iPhone, but it happens (seen that myself, when scanned checks for records) if you're scanning. Deposit by scan/picture is usually limited to low amounts (I know that Chase limits it at several hundreds, I had troubles depositing $2K checks with them through the phone).


"You are reading the balance sheet wrong. Everything Joe says is completely correct, but more fundamentally you have missed out on a huge pile of assets. ""Current assets"" is only short term assets. You have omitted more than $300B in long-term assets, primarily plant and equipment. The balance sheet explicitly says: Net tangible Assets (i.e. surplus of assets over liabilities) $174B"


I'm guessing that you've reached the value limit of a payment that can be made without linking your account to a bank account. While you want privacy, PayPal wants to not be a money launderer. You may need to seek an alternative way to pay for this if you're trying to be private about it.


Smartass! :) In my younger days, after leaving college and the area where I grew up, I taught myself 2 different careers while working and supporting myself. I see lots of people partying and playing while working at some unskilled job, and I just know they'll probably be complaining when the get older about how they can't find a job because they're too old to do that work now. Anyway, I've gone far enough in the world - if I go any further, I'll drown (I moved from the east coast to the SF Bay Area). :)


No, don't bother. You need to decide what you are saving for, and how much risk you are prepared to take. It would make sense if you wanted the money only in x years, and couldn't afford to lose say 20% or more if the stock market crashed the day before you needed the cash. Typically if you are about to retire and buy an annuity, you want to protect your capital. This isn't you. At 28, you might be saving for a wedding, a deposit on a house, possibly for school fees, or for eventual retirement. It doesn't sound like you need to get back exactly 24k in July 2022. Keep the 6 months expenses in accounts that you can withdraw from at short notice. Some of this in a current account, some might be in a savings account that doesn't pay interest if you make withdrawals. After that, I'd stick most of the rest in stock market tracker funds, but you might go for actively managed funds instead (ask another question and take professional advice, there will presumably be local tax considerations too), and add in most of your monthly savings too. These should beat the 2.3% over the 5 years, and you can liquidate them easily if you want to buy a house. If there is a recession and a stock market dip, you presumably have the flexibility to hold on to them longer for the economy to recover. And if you are intending to buy a house, then a recession will probably also involve a fall in house prices, so the loss in your savings will be somewhat balanced by the drop in the purchase price of your house. Of course, the worst case scenario is a severe downturn where you lose your job, are unemployed for a considerable period of time, burn through your emergency fund, and need to sell shares at a considerable loss to meet your expenses. You might have family or dependents that you can borrow from or would need to support, which would change your tolerance for risk. Having money locked away for 5 years in this scenario is even worse. So if you don't want to put all your non-emergency savings into the stock market, you still want to choose something that is accessible at a slightly lower interest rate. But ultimately it sounds like you can afford to lose some of your savings, and the probability is that you will be rewarded with much better returns than 2.3% over 5 years.


Yes, it is bullshit. I get paid by a health care provider to make sure each claim is submitted in a manner most advantageous to the provider. And I can assure you that at the end of the day the only things changed are several formulas in a program. Internally it's called Diagnostic Recategorization and it has been blessed by the government as a fair practice. Believe what you like.


I don't know how taxes work in Israel, but I imagine it is relatively similar to taxes in the US. In the US you need to pay taxes on investment earnings when you sell them or in this case trade them for something of value. The amount that would typically would be taxed on would be the difference between how much you paid for the currency and the value of the item you traded it for. In theory there shouldn't be any difference in trading bitcoins versus dollars or euros. Reality is that they are rather weird and I don't know what category they would fall into. Are they a currency or a collectors item? I think this is all rather hypothetical because there is no way for any government to track digital currencies and any taxes paid would be based on the honor system. I am not an account and the preceding was not tax advice...


You've got a great emergency fund built up and no credit card debt. That's something to be proud of. If you didn't already have those two things taken care of, that would be your first priority. If I were in your situation, I would pay off the student loan. Yes, it's a low interest rate, but you've got the opportunity to pay it off completely and eliminate a monthly payment from your life. Take it. I don't know if you've already contributed to your Roth IRA for this year or not, but I would set aside $11,000 to cover the max contribution to your Roth IRA for this year and next year. That leaves about $10,000 left. Do you have any money set aside for your next car? If not, allocate most of this money toward your next car. When you need to buy another car, you will be able to pay cash and avoid a car loan.


> zIt will definitely cut current jobs, but the cost savings on wages will eventually reach the consumer in the form of lower prices, assuming some level of competition exists. Many markets are very specialized or protected by moats of various sorts, so I don't think it's reasonable to automatically assume competitive efficiency. > The consumers will then have more money to spend on other goods and services, creating demand for new jobs. How does that work, exactly? Capital can just keep on being substituted for labor, and though some expertise is required, it's often not needed at the quantity of a full time job. What if the wealth from automation were increasingly captured by fewer people, and a self-reinforcing effect were to occur? And what if there were solid data backing up that idea?


Collections companies buy debt for a fraction of the face value of the debt (as little as 5-7 cents on the dollar), and you can often settle debt for a fraction of the face amount (perhaps 10-25 cents on the dollar). But there are several considerations. Do you owe the debt (is it a legitimate debt), can you afford to pay the debt, what is the age of the debt (remember, there is a statute of limitations on debt, varies by state), and what are the consequences of non-payment or settlement of the debt. Rather than confirm that you owe the debt, tell the debt collector that you need proof that the debt is yours (you should do this by certified letter). Be careful not to confirm the debt, or agree to pay it, or make any payments (yet). You said that your doctor ordered the product for you. You said the company sent you a product (you have the product). Once you have confirmed that the debt is yours, you should determine the age of the debt (when was the last time you paid on the debt). Each state has statute of limitations on debt, depending upon the age of the debt (this is why it is important not to send the collector money until you have verified the debt). You did not state when the debt was incurred (assume under SoL). Ask yourself whether you can afford to pay the debt. The amount of the debt, and your ability to pay, and whether you want to avoid the time and expense of dealing with the collector (they are trained to be annoying) are all factors to consider. You should also consider the negative consequences (credit score effects), and whether the cost of a derogatory entry is worth fighting the debt. You did not explain your financial situation; paying the $55 may be trivial, or it may be a hardship. Before you settle any debt, you should send a letter (keep a copy and proof you sent it, certified), and demand that the debt collector provide proof that you owe the debt. Often this proof does not exist, or is insufficient to gain a judgement (you would need legal help here). And should a debt collector agree to settle the debt for a lower amount, you need to get that agreement in writing. Be aware that when you settle a debt, the collector can (and will) send you a 1099 for the portion of the debt which has been forgiven, and can report to the credit bureaus that you settled a debt for less than the full amount (negative mark against credit). Derogatory credit items will haunt you for years. Decide whether saving $20, $30 or even $55 is worth the trouble. Probably not. Learn from this. When a company sends you something you did not order, contact them, and send it back or demand they pay shipping, and send them a letter demanding $5/day storage and $20 handling fee to ship it back to them. Disclaimer: Heed the insane ravings of a deranged heretic at your peril... hire a lawyer.


Because you have one major bank saying they don't want to be involved with bitcoin, and another saying that they may go deeper in to it. It's interesting just because of the contrast of the two. Personally, I suspect there's a lot of low hanging fruit in cryptocurrency trading, especially given that most people in on cryptos seem to be retail individuals like ourselves, and probably relatively unsophisticated.


Or I am in it for the long hall and am full expecting it to go down again. Probably two or three more times before I retire. Just gotta ride it out and have a stomach for when it goes down. Stick to the plan because history always repeats itself. I think 2007 showed us anything is that the governments will risk massive inflation before it lets the market fail. And if inflation hits you want your money wrapped up in the market to grow at the correct rate.


Honestly its their job to pay as little in taxes as possible. Its like any normal person who writes off work clothes as a tax deductible. Might as well do everything youre legally able to do. The government leaves tax loopholes in the tax code, they know they are there, take advantage, lord knows your competitors are.


You could buy a money order with your cash, then mail the money order to Deutsche Bank Germany for deposit into your account. You could also buy a prepaid debit card (like a Visa/AMEX giftcard) with your cash. Then, open a new Paypal account and add this prepaid card. Finally, send money to yourself using the prepaid card as the funding source. You could use a money transfer service, like Western Union, to transfer the cash to a friend/family in Germany. Then ask them to deposit it for you at Deutsche Bank Germany.


>will probably know better than you when their current business model is about to fail I seriously doubt it. Industry leaders who have (semi) monopolies rarely see the new threats, when they do it's when they are being passed by. Microsoft, Nokia, and GM should have seen Apple/Google, Apple/Android, and Honda/Toyota, respectively. Fox came in the 80's and the big 3 networks laughed. They also ignored CNN and other cable networks, at first. The TV networks have been steadily moving to live, variety type shows that are cheap to produce and require real time watching. Japanese TV pioneered this format a decade before the US networks moved in on it. The epitome of this is morning TV 'news' programs (in Japan) that post newspapers and read from the articles and comment on them. It's got to be the cheapest production possible, but ratings are good enough so now all the Japanese networks do this (more or less). The broadcast networks will keep cutting production costs until they become the AM radio of TV. Cable networks will either become content producers or wither away, too. Internet distribution with its on demand and interactive capabilities will take over in the next 20 years. Costs will be shared between the audience being interactive with the commercials shown and advertisers. No commercials, pay full price; do surveys and click along as you watch, pay nothing.


"This is the best tl;dr I could make, [original](http://thehill.com/homenews/administration/348374-top-trump-economic-adviser-told-dems-only-morons-pay-the-estate-tax) reduced by 71%. (I'm a bot) ***** > Gary Cohn, the director of the National Economic Council, told a group of Senate Democrats during a meeting earlier this year that &quot;Only morons pay the estate tax,&quot; according to a New York Times report. > President Trump has publicly railed against the estate tax - often referred to as a &quot;Death tax&quot; - and has vowed to fully repeal it. > The estate tax is levied on the transfer of property for deceased individuals with an estate worth more than $5.49 million. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6xuvf3/top_trump_economic_adviser_told_dems_only_morons/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~203616 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **tax**^#1 **Cohn**^#2 **percent**^#3 **Trump**^#4 **Times**^#5"


At least part of it, I'm sure. There's also increased competition from a large millennial generation and older generations who are actively seeking employment for the same jobs. There's no doubt about it: it's tough out there.