The key for you this year (2015) be aggressive in paying the taxes quarterly so that you do not have to do the quarterly filings or pay penalties for owing too much in taxes in future years. The tax system has a safe harbor provision. If you have withheld or sent via the estimated quarterly taxes an amount equal to 100% of the previous years taxes then you are safe. That means that if you end to the IRS in 2015 an amount equal to 100% of your 2014 taxes then in April 2016 you can avoid the penalties. You should note that the required percentage is 110% for high income individual. Because you can never be sure about your side income, use your ability to adjust your W-4 to cover your taxes. You will know early in 2016 how much you need to cover via withholding, so make the adjustments. Yes the risk is what you over pay, but that may be what you need to do to avoid the quarterly filing requirements. From IRS PUB 17: If you owe additional tax for 2014, you may have to pay estimated tax for 2015. You can use the following general rule as a guide during the year to see if you will have enough withholding, or if you should increase your withholding or make estimated tax payments. General rule. In most cases, you must pay estimated tax for 2015 if both of the following apply. You expect to owe at least $1,000 in tax for 2015, after subtracting your withholding and refundable credits. You expect your withholding plus your refundable credits to be less than the smaller of: 90% of the tax to be shown on your 2015 tax return, or 100% of the tax shown on your 2014 tax return (but see Special rules for farmers, fishermen, and higher income taxpayers , later). Your 2014 tax return must cover all 12 months. and Estimated tax safe harbor for higher income taxpayers. If your 2014 adjusted gross income was more than $150,000 ($75,000 if you are married filing a separate return), you must pay the smaller of 90% of your expected tax for 2015 or 110% of the tax shown on your 2014 return to avoid an estimated tax penalty.


I know fuck all about the taxi industry but if I had to answer I'd say the taxi industry isn't a good place to put your money. EDIT: It's not a good place to put your money if you want decent returns. Obviously there's a profile where every kind of firm fits but there's generally better alternatives than this particular industry.


Yes. You incur income tax on the RSU on they date they vest. At this point you own the actual shares and you can decide to sell them or to hold them. If you hold them for the required period, and sell them later, the difference between your price at vesting and the sales price would be taxed as long term capital gains. Caution: if you decide to hold, you are still liable to pay income tax in the year they vest. You have to pay taxes on income that you haven't made yet. This is fairly dangerous: if the stock goes down, you may lose a lot of this tax payment. Technically you could recover some of this through claiming capital losses, but that this is severely restricted: the IRS makes it much easier to increase taxes through gains than reducing taxes through losses.


Some perceive current upgrades and advancements as the means to a more cost-efficient way of life. Unfortunately for residents across the nation, the electric upgrades make for an increase in monthly electric expenses. Therefore, it is up to us to conserve energy and reduce monthly energy bills.


"Here's the story of EDI: EDI is between a Vendor and Customer. Despite EDI being about standards, the truth is that the Customer is the bully and the Vendor is the wimp. So, for every trading partner, you need a unique EDI process. In this particular case, inbound invoices from a supplier, the Supplier is huge, and despite us being the ""Customer"", we had to comply with their ""standard"". And when it comes to inbound invoices, they have to be handled differently depending on what is purchased. In this case, office supplies, the details of the invoice have to be saved into a table besides in addition to 2 simple invoice created in A/P."


"My answer will suck but it comes from someone who has been married: You can't control another person or convince them to do something. What you can do is identify what they value and show how saving money increases their opportunities in what they value, but understand that the person could see what you're saying as invalid too. If you're single and reading this, this is why you verify that the person has similar values to you. Think of it like someone who wants good gas mileage: you show them a car that gets 60MPG, and immediately they say, ""Well, but that's not a cool car."" So their value isn't the miles per gallon, and you may find the same is true with your spouse. India is paying more interest than the US and Europe in their savings accounts (I believe the benchmark interest rate is 7.5%), so - assuming your spouse values more money - showing him how to use money in savings to passively earn money might be a technique that works. But it may mean nothing to him because it's (1) not his actual value or (2) isn't enough to matter in his mind. In other words, this is all sales and whatever you do (and this is regardless of gender), don't manipulate, as in the long run that tends to build resentment. If there is a specific problem that you know he sees as a major issue and saving money can help, I'd recommend showing how savings would help with that problem. People generally like solutions to problems; just remember, what you think he sees as a problem may not be what he sees as a problem. This is why I chuckle when I see single people give married people advice; you can't just ""convince the person enough"" because you are not that person; we have to speak their language and we should be careful to avoid creating resentment. The part that sucks (or doesn't depending on who you ask) is that if we can't convince others to do it, we should do it ourselves. Either (1) earn money independently yourself when applicable (realizing that you are about to have a child and may be limited), or (2) save the money that you and your spouse have agreed that you're allotted, if this applies to your situation (a few spouses divide income even when one is an earner)."


How many more? This is like the problem Canadians have when people say there's no famous Canadians so we all rattle off the same 5 to 7 but it's really just a way to prove the insane discrepancy between America and Canada. Everyone can rattle off like 5 famous women, I can probably find 3 black hockey players too but what does that mean in context of the overall conversation? I work in marketing and the majority of my bosses have been women and I work around mostly women and I can tell you for a fact there's huge differences between female dominated companies and male dominated ones, I think it's something we all know but nobody wants to actually make a value judgement based on it.


Well slightly not /r/Finance, but the scientific community is hurting for money. It's very hard to secure a career in academia or even scientific research, and from the current U.S. Government's administration, funding will likely get scarcer. Most Ph.D quants *were* actually with NASA or in a lab, and they left to finance.


> All true except they're actually past the point of printing more bills cause they're worthless and now they have to use the USD, which they are rapidly running out of. They have recently tried to replace that with [Zimbabwean bond notes](https://www.economist.com/news/middle-east-and-africa/21716954-robert-mugabe-prints-banknotes-and-insists-they-are-worth-much-us-dollars), which have also [turned out to be a failure](https://www.bloomberg.com/news/articles/2017-10-02/zimbabwe-dollar-dearth-causes-shortages-return-of-inflation).


If the bad credit items are accurate, disputing the accuracy of the items seems at best, unethical. If the bad credit items are inaccurate, the resolution process provided by each of the 3 credit bureaus, while time consuming, seems the way to go.


"> ""To think in a democracy that one un-elected individual can functionally decide what credit cards go in our wallets.... I mean, that's just anathema to me to the founding principles of this republic,"" Life, liberty, and 30% apr credit cards with $50k limits."


You didn't buy it. Your mother did. You can try to cancel it if it was purchased in your name; if your mother purchased it she would have to cancel it. Either way, the company has done it's part by carrying you until that cancellation and you have no grounds for demanding a refund for time already covered. If your mother was spending your money, that is something you need to take up with her unless you want to bring charges against her for theft/fraud. If she was spending her own money, then you may want to talk to a lawyer about getting her declared incompetent so someone else can control her spending. But the money paid is probably gone. It isn't the insurance company's fault that you didn't want it doesn't, and if you don't bring charges you can't complain about their having accepted stolen money. Even if you do bring charges and win, it isn't clear you can get a refund. If you really want to pursue any of this, your next step is to talk to a lawyer.


It sounds like you may need to look into the different types of personal loans that are available to you. Typically, they are in 2 categories: secured vs unsecured. A personal loan is usually of the unsecured variety, meaning that the bank is loaning you money with no collateral to use if you default. These loans will have much higher interest rates than a secured loan. A prime example of a secured loan would be a mortgage or an equity line of credit. If you want an unsecured personal loan to use towards making those improvements, then whether or not you receive the loan will depend on your credit rating and income status. As Aganju stated, these loans don't really care what the money is used for. Because it's not your property that you're fixing up, you won't be able to get a secured loan against that property. If your mother took out a loan against her home (like a second mortgage), she may be able to get a significantly lower interest rate than what you'll get with an unsecured loan. She could also look into a renovation/remodeling loan, which would require information regarding the work being done such as costs and how it will improve the value of the property. If she used an equity line of credit instead, then they don't typically care what the money will be used for as it's just a credit line against the equity she's already built into her mortgage payments over the years.


I can only give you advice on what I would do if I was in this situation: As mbbhunter mentions above, the first question you have to ask yourself is how much time do you want to spend to manage your money? The more money you have, the more money you can possibly make by becoming educated in investing (e.g. if you can increase your return on investment (ROI) on $500,000 1%, it does a lot more than increasing your ROI on $50,000 by 1%. If I was you, I would either track my investments myself or ask an accountant (or a fee-only financial advisor) to determine 3 things: At the very least I would spend some serious time getting educated about your newfound wealth. Good luck and if you find a need for additional computer programmers at your company dont hesitate to let me know ;-)


Since your YouTube income is considered self-employment income and because you probably already made more than $400 in net income (after deducting expenses from the $4000 you've received so far), you will have to pay self-employment tax and file a return. This is according to the IRS's Publication 17 (2016), Your Federal Income Tax, so assumes the same rules for 2016 will remain in effect for 2017: You are self-employed if you: Carry on a trade or business as a sole proprietor, Are an independent contractor, Are a member of a partnership, or Are in business for yourself in any other way. Self-employment can include work in addition to your regular full-time business activities, such as certain part-time work you do at home or in addition to your regular job. You must file a return if your gross income is at least as much as the filing requirement amount for your filing status and age (shown in Table 1-1). Also, you must file Form 1040 and Schedule SE (Form 1040), Self-Employment Tax, if: Your net earnings from self-employment (excluding church employee income) were $400 or more, or You had church employee income of $108.28 or more. (See Table 1-3.) Use Schedule SE (Form 1040) to figure your self-employment tax. Self-employment tax is comparable to the social security and Medicare tax withheld from an employee's wages. For more information about this tax, see Pub. 334, Tax Guide for Small Business. I'd also note that your predicted income is getting close to the level where you would need to pay Estimated Taxes, which for self-employed people work like the withholding taxes employers remove their employees paychecks and pay to the government. If you end up owing more than $1000 when you file your return you could be assessed penalties for not paying the Estimated Taxes. There is a grace period if you had to pay no taxes in the previous year (2016 in this case), that could let you escape those penalties.


">Jesus you're retarded. False. >Should he take the time out of his day to condemn every group that might like him individually? If that group is publicly chanting something like ""Heil Trump"" in between chanting ""Blood and Soil"", yeah, you condemn them as soon as possible and as strongly as possible. If your father was arrested an illegal Klan rally, and you don't want people to think you're as racist as Daddy, you denounce them as soon as possible and as strongly as possible. If you can threaten North Korea with off the cuff remarks at the golf course, you can do the same for a couple of backyard Nazis. >He condemned the violence on both sides and political violence in general. Except, nobody asked him to condemn both sides here. People have a right to self-defense. Virginia is a stand your ground state. And considering how the 'peaceful nazi protesters' had soda cans filled with concrete, and batons, and riot shields, and body armor -- its pretty safe to say one group's violence was pre-meditated. >What more do you fucking want? Competent leadership? Someone not under a three pronged federal investigation? No white supremacists in the white house? Those seem pretty easy for a political party not smoking trailer park meth and sucking Russian Presidential Cock. >If anything he shouldn't have said anything about it just to piss you people off so you make a fool of yourselves. Should business owners and public figures issue public statements condemning any white supremacists that might be patrons or admirers of their work? There you go with that cuck logic again. If those business owners and public figures campaign for the highest office of the land, and promise the American people that they'll call terrorism ""terrorism"" and not ""extremism"" or any other nomenclature -- then yes, I'll expect them to denounce a violent terrorist group holding a rally around a civil war participation trophy and murdering an innocent women. And Nazism in general. Stop trying to generalize to absurdity like you have some actual defensible point. No we wouldn't expect some beta cuck like yourself or an unemployed tow truck driver to need to openly denounce white supremacy 24/7 -- but you're not The President. Its pretty fucking routine for the President to issue a response to terrorism."


Set a good till cancel GTC order, and partial fills will just roll over to the market session if it doesn't fill completely during the first market session It is a very low probability that each share will only be taken one at a time. It isn't a low probability that it will fill in two or three orders, but this is all a factor of how liquid the stocks you bought are. Also your limit order price is also a factor in this


List of critical skills that gets you a shot at being an agent: http://www.fbijobs.gov/1112.asp Accounting, Finance, and Law qualifications are huge, and I think the most common way in. Foreign language proficiency is pretty huge, too. Still, something like IT or law enforcement experience can get you there. It helps a lot if you're non-white and female.


thanks for the advice, I still have few weeks before my master course starts and would like to do more reading regarding trading, any books that you would recommend ? Also I always assume that modelling skill is not that important in sales and trading, is my assumption correct ? Modelling is probably one of my weak skills but if it is needed I would like to work further on it thank you


"I've linked to that bureau during the Obama administration, and I've literally seen arguments to authority explained to you repeatedly, yet you continue to lie. >literally deleting anything his corporate owners don't like Do you literally still not understand what ""literally"" means? I've also seen that explained to you over and over."


The return from one day to the next is based on the Day's closing price. To be clear - opening prices can be quite different from the prior day close. In your example, they are pretty close, but this is not always the case. Just pull a larger data set to observe this. The above aside, dividends are not reflected in the index, so, after a dividend has occurred, you'd need to account for this if you are looking for true total return. In 2011, the S&P closed at 1257.60 vs a 2010 year end 1257.64. The return, however was 2.11%, not zero, after accounting for the dividends. To me, articles that suggest the yearly return was zero are inaccurate and misleading.


Everyone that owns a share of stock in a company is part owner. Some just own more than others. According to Apple's latest proxy statement he owns 5.5 million shares of the 914 million shares outstanding. So he owns approximately 0.6% of the company. If he owned more than 50% of the company's outstanding stock he would effectively control the board of directors by being able to pick whoever he wanted. Then he would control the company. Very few publicly traded companies are that way. Most have sold off parts of the company to the public in order to raise cash for the company and make their investment more liquid.


"I was too lazy to look it up before, but he was CEO of JP Morgan back in 2008 and exploited all kinds of loopholes that helped trigger the financial crisis. But JP Morgan is ""too big to fail"" and got bailed out."


Common sense was the foundation - the idea that you can't spend more than you take in, indefinitely, without there being negative long term effects. We've been doing that since 1958. With that as the base, then watching what is going on in the economy, not just in the present day, but historically. Looking into how the government has manipulated the economic numbers for decades. Consumer confidence counts for a lot - which is why some of the numbers have been manipulated. Investor confidence counts for a lot too - which explains the others. You can only hide things for so long, though. Borrowing from Peter to pay Paul and then borrowing even more from Paul to pay Peter so Bob thinks you're credit worthy only works until they all figure out you haven't actually got enough money to pay them back, and won't ever. As for confidence, I'm making major life decisions based on it, so I'd say pretty confident. I just hope to be reasonably well prepared by the time it all goes down.


"Uber absolutely is a taxi company, in the UK taxi model. Uber are doing with an app what every British minicab company has been for decades doing with a phone call. I appreciate that Uber are ""regulation busting"" in the US, or presenting themselves as such, but when the dust settles a deregulated market is a race to the bottom (as the British minicab industry long has been)."


"Parents, especially Boomer parents, remember that ""trade workers"" are always short-term workers, the first to be laid off while the office accountant and the engineer keep their jobs. Welder/Fabricators, machinists, mechanics and such spend a great deal of time out of work; have to move around the country often chasing work; and, they usually have to accept indirectly supporting their employers monitarily (having to purchase and maintain expensive equipment which gets worn down during work) which means they actually make less than is usually stated. The only ""trade workers"" who have done well long term are plumbers, electricians, and HVAC -- but this only works for them when there is a large pool of potential customers like a healthy middle class. With the middle class vanishing, they will not do as well either. Same is true for dentists, oddly enough. Don't think the trades are a safe harbor for work income -- they never have been."


"Yes, there are legal problems with what he did. To prevent fraud, the US government regulates who can give public investment advice and how they can do it. If you're getting paid to advise an individual, you have to pass certain examinations and maintain ongoing government certification. If you hold a position in a stock you're touting, you legally have to disclose it using particular language. And if you're a corporate insider or hold a significant position in a company, you're restricted on what you can say about the company and when you can say it. Mr. Jackson, aka 50 Cent, held a significant position in the company he tweeted about. My guess is the guys in the suits came to visit Mr. Cent, because if you go to the article the OP links to, at the bottom they mention Mr. Cent's tweet has been deleted and replaced with ""go talk to your investment advisor""."


Since you only own half of the house, you would most likely need the cooperation of whoever owns the other half in order to use it as collateral for a loan, but if you can do that, there's no reason you couldn't do what you're talking about. The complication is that if you default on the loan, the bank isn't going to seize half of the house. They'll repossess the entire house, sell it, and take what they're owed out of the proceeds, leaving you and whoever owns the other 50% to fight over the remnants. Even if the owner of the other half is family, they may be hesitant to risk losing the house if you don't pay your mortgage, so this could be a dicey conversation.


No it's really not, I have no illusions that private school is any better than the public schools around here. The problems with them differ, but one is no better than the other. Our education system in Florida is broken, the voucher system they instituted created broken schools and soon to be bankrupt private schools. Every state that's done so has or soon will have the same problems. Even states that aren't screwing their public schools with vouchers, are screwing them with poor funding at every level. Shits broke, and getting more broke every year. Eventually it might get fixed, but I'm not going to play 'maybe' games with my kids. I'd rather move them to a country that isn't supporting the most expensive military on the planet.


And we're like 5 replies down into something that is apparently so obvious to you. So I'm going to assume you read my first post wrong, thought I was referring to something else, and are now just stalling because you can't disprove what I said.


It's a combination of neutrality, economic power, economic freedom, a history of stability, and tradition. In the case of the Japanese yen, it's obviously economic power that is the determining factor, as Japan is the world's third largest economy. Switzerland, on the other hand, is only the 19th largest economy, but ranks very high in all the other criteria.


"I started looking at this yesterday after seeing a FB ad. In reading the agreements it appears they aren't the FDIC insured entity but rather they hold your money with an FDIC bank who is their partner. What I couldn't tell is if they have one large account that they hold your money in (commingled and I'd suspect far exceeding the $250,000 fdic limit) or if it's individual accounts in your own name being held there and beam is the intermediary. What I'm guessing is beam is actually owned by this ""partner"" bank and that bank is using this as a way to raise funds to fuel their loan growth in much higher rate areas (such as commercial lending). This is probably why they are capping the amount of new users so they can throttle the deposit influx until they've lent it out. The 2% rate paid to depositors is cheaper than going to the bond market."


It's very simple, line up your debt in the order of interest rate, tax adjusted, and start with the highest rate. Too simple? If knocking off the $7500 loan feels better to you than the fact that you are still paying 9% on $7500 (as part of the $20K) makes you feel bad, just pay off the $7500. I'd rather be ahead $210/yr. (A celebrity advocates the small wins promoting good feelings and encouragement. If that actually works for some, I won't criticize it here) If freeing up the $200/mo payment enables you to do something else that's beneficial, that's another story. I've written how $10,000 of student loan can keep you from qualifying for $30K or more of mortgage. In isolation, highest rate. With the rest of the picture, other advice might be more suitable. Welcome to Money.SE


In my district, it clearly hurts it. There are highly incompetent teachers teaching because the only requirement for tenure is that you work for three years in the district. Since hiring people is a hugely cumbersome process in my district, it is often easier to just keep a mediocre/incompetent teacher than it is to hire somebody new. This is even more true after they have received tenure. I understand the idea of due-process that KillYourTV is talking about, but it is so easy to receive tenure and so hard to fire tenured teachers that it does not actually cause that.


"Why would you give them the money and borrow it back? If you didn't give it to them in the first place you wouldn't need to borrow! It makes no sense at all. It USED to have a different use--as a tax dodge. You would buy ""life insurance"" for a low amount of coverage and way overfund it. Let the money grow and in your later years you would ""borrow"" against the extra value you had built up in the policy. Since this was a loan rather than a payout it wasn't income. When you died the tax liability went poof. Thus so long as what you had to pay in life insurance + the inefficiency of the insurance company was less than the tax rate it was a good deal. Congress closed this loophole a long time ago by prohibiting too great overfunding."


The market isn't going to come up with a cure when the largest trading firms, hedge funds, and wealthy individuals making money off HFT. They have very little incentive for ensuring the stability of the market, because they are already rich. If the market crashes and they lose money, they're still rich. There are already taxes and fees that have to be paid when people make trades. The fees that have been proposed have been fractions of a cent per share. The only way anyone would notice the fee is if they are trading a huge amount of shares during the day, every day.


Here are some possibilities: avoid buying a car for as long as you can; if forced to own one, buy a used dependable car like a Toyota Corolla- 4 cyl and don't abuse it. open a Roth IRA, depositing max possible, the plan on doing so until you've investing the remaining balance. A Roth IRA, while not tax deductible now (you're in a low tax bracket now) will provide for tax-free distributions when you are both older and not in a low bracket. of course, invest in low cost equity funds. Come back for more ideas once the dust settles, you've got money left over and some of the above accomplished. You've got one asset many of us don't have: time.


To what end would you want to break the law? Why would you think it is beneficial to you in any way? The reason for these limitations is to protect people who have no financial reserves and are not sophisticated investors from making dangerous and risky investments with the little money they have to invest. You need to remember that there's no guarantee of principal with these loans and the rate of default is pretty high. From my own personal experience with Lending Club (and I've only invested in A and some B-rated loans) - rate of default is about 10%. This may be a nice exercise in microlending - but if you want to put all your savings into this, you're taking a huge risk. Risk which is completely unjustified since not only the returns are pretty low (again - from my aforementioned experience: <6% APR, you take higher rate loans - you get higher rate of defaults), but they're also taxed as ordinary gains. Why would you not, instead, invest in a more conservative bond or bond/stock mix fund which will pay you dividends that will get preferential tax treatment and appreciation would be subject to capital gains tax? No reason. And the limitation on who can invest in Lending Club is there for exactly this purpose - to weed out people like you who have no idea of what they're doing.


If you read the article, you'd already have seen the counter to what you are saying: > Some diversity in views is healthy, but catastrophically bad judgment (in my view) is not what anyone wants in a fellow board member.”


You may have meant r/the_donald instead of R/the_donald. --------------------------------------- Remember, *I can't do anything against ninja-edits.* **What is my purpose?** I correct subreddit and user links that have a capital R or U, which are **unusable on some browsers.** **by Srikar**


When the money grubbing jobs thin out and fade away all those middle management white collar types will be wishing all those manufacturing jobs hadn't been shipped to China.....without a fraudulent financial house of cards to manage, what will they do now?


"For free, 5 years is somewhat available, and 10 years is available to a limited extent on money.msn.com. Some are calculated for you. Gurufocus is also a treasure trove of value statistics that do in fact reach back 10 years. From the Gurufocus site, the historical P/E can be calculated by dividing their figure for ""Earnings per Share"" by the share price at the time. It looks like their EPS figure is split adjusted, so you'll have to use the split adjusted share price. ""Free cash"", defined in the comments as money held at the end of the year, can be found on the balance sheet as ""Cash, Cash Equivalents, Marketable Securities""; however, the more common term is ""free cash flow"", and its growth rate can be found at the top of the gurufocus financials page."


"It's possible the $16,000 was for more than the car. Perhaps extras were added on at purchase time; or perhaps they were folded into the retail price of the car. Here's an example. 2014: I'm ready to buy. My 3-year-old trade-in originally cost $15,000, and I financed it for 6 years and still owe $6500. It has lots of miles and excess wear, so fair blue-book is $4500. I'm ""upside down"" by $2000, meaning I'd have to pay $2000 cash just to walk away from the car. I'll never have that, because I'm not a saver. So how can we get you in a new car today? Dealer says ""If you pay the full $15,000 retail price plus $1000 of worthless dealer add-ons like wax undercoat (instead of the common discounted $14,000 price), I'll eat your $2000 loss on the trade."" All gets folded into my new car financing. It's magic! (actually it's called rollover.) 2017: I'm getting itchy to trade up, and doggone it, I'm upside down on this car. Why does this keep happening to me? In this case, it's rollover and other add-ons, combined with too-long car loans (6 year), combined with excessive mileage and wear on the vehicle."


Lots of good advice on investing already. You may also want to think about two things: A Bausparvertrag. You can set this up for different monthly saving rates. You'll get a modest interest payment, and once you have saved up enough (the contract is zuteilungsreif), you will be eligible for a loan at a low rate. However, you can only use the loan for building, buying or renovating real estate. With interest rates as low as they are right now, this is not overly attractive. However, depending on your salary, you may qualify for subsidies, and these could indeed be rather attractive. This may be helpful (in German). A Riester-Rente. This is a subsidized saving scheme - you save something every year and again get subsidies at the end of the year. I think the salary thresholds where you qualify for a subsidy are a bit higher for the Riester-Rente than for a Bausparvertrag, and even if you don't qualify for a subsidy, your contributions will be deducted from your taxable income. I wouldn't invest all my leftover money in these, considering that you commit yourself for the medium to long term, but they might well be attractive options for at least part of your money, say 20-25% of what you aim at saving every month. Finally, as others have written: banks and insurance companies exist to make money, and they live off their provisions. Get an independent financial advisor you pay by the hour, who doesn't get provisions, and have him help you.


Har du fått det ärofyllda uppdraget av att inreda ett hotell? Det är såklart inget litet jobb och det finns en hel del att ta hänsyn till, men det är otroligt roligt. Det finns en del saker som är bra att tänka på när det kommer till inredningen av hotell. Vi hoppas kunna hjälpa dig med lite tips och råd om hur du kan tänka. http://holmquistsign.se/


Hey Buddy, I like how you echo the same BS the top 1% spews. Time to educate you with some simple math (using arbitrary numbers to explain my point). top 1% has $1,000,000 Bottom 80% has $1000 I say bottom 80%, because it is effectively top 1%, next 19%-20%, and remaining 80% Top 1% tax @24.7% --> $1,000,000 / 24.75 = $753,000 Bottom 80% tax @30% --> $1000 / 30 = $700 $753,000 > $700 Do you see the problem? Sure, the rich pay $247,000 in taxes compared to $300 for the bottom 80%. However, the wealth is still greatly disproportionate even after taxes. Hence, why the wealth gap is increasing year over year. *Edit The tax rates @24.7% and @30% are the numbers for 2015, assuming not much has changed since. I am using $1,000,000 and $1,000 as arbitrary representations of wealth; for better understanding the issue.


There was good logic at the time, if Microsoft wanted Windows on a tablet, then they had to make a version of Windows for the RT chipset. Two years after they made that decision, Intel had gotten their chipsets energy-efficient enough to run tablets, so WindowsRT was obsolete at launch.


Yes, it's good the economy is doing well. Hopefully it helps the many dissatisfied Trump voters. It would be nice to see some of the anger dampen in the country. The truth is that this data still *mostly* for Obama's economy. Trump's budget didn't start until Oct, after Q3 finished. So this report is for the time when the federal government was operating under budgets passed during the Obama era. Economies have enormous momentum, and this one is still following its long established trajectory. You probably should give Trump credit for regulatory changes, bully pulpit leadership, and those sorts of things. So he definitely should get *some* credit, it's hard to know how much. The stock market rally is very likely in response to expected tax cuts from a GOP government (although if you draw a line for the stock market starting in 2009, we're still on the trend).


It is unfortunate to think that people determine as a result of paying a living wage they need to illegally undercut their employees. If your business model cannot succeed by paying living wages then you need to rethink your business model. $12/hour is not luxury. That is still close to poverty for a family of 3. Take home would not afford an apartment, gas, food, utilities, etc for a single person without having roommates. People deserve to afford their basic needs without getting government assistance when working full time.


Anyone can do many jobs that require a degree. Can you cut leaves and put them in a test tube? Because that pays $20 an hour after 2 years in raises. Because I don't need 4 years of college to learn this 'skill'. You don't know that guy, maybe he's qualified for the 80 year old piping and no one else is. Security clearance at a highly guarded private school. Can have 2 janitors and not 3 because he's highly efficient. 100k in Manhattan is like 40k everywhere else. But yeah you're right, the fact her job requires a degree to put leaves in test tubes means she deserves benefits and a great pay and a guy who needs to know what chemicals can't mix with each other doesn't. Does he deserve 100k if the school requires 'any' 4 year degree?


"Do you realize that the board understood Yahoo was a sinking ship? Her primary objective was enabling enough scaffolding to get Yahoo acquired and not reach complete bankruptcy. In terms of the shareholders, she stood by them and did a fantastic job with what little she had. As for Yahoo's ""survival""? She dug that shit its grave but it was already a fossilized species. No ex-Google Exec would've changed that."


Yes, you need to include income from your freelance work on your tax return. In the eyes of the IRS, this is self-employment income from your sole-proprietorship business. The reason you don't see it mentioned in the 1040EZ instructions is that you can't use the 1040EZ form if you have self-employment income. You'll need to use the full 1040 form. Your business income and expenses will be reported on a Schedule C or Schedule C-EZ, and the result will end up on Line 12 of the 1040. Take a look at the requirements at the top of the C-EZ form; you probably meet them and can use it instead of the more complicated C form. If you have any deductible business expenses related to your freelance business, this would be done on Schedule C or C-EZ. If your freelance income was more than $400, you'll also need to pay self-employment tax. To do this, you file Schedule SE, and the tax from that schedule lands on form 1040 Line 57.


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[This article](http://www.factcheck.org/2011/03/who-sells-american-gasoline/) shows that gasoline at any given station is combined in transport or processing; making it impossible to tell if your oil came from a certain company. >While gasoline is sold at about 162,000 retail outlets across the nation, about one-third of these stations are “unbranded” dealers that may sell gasoline of any brand. The remainder of the outlets are “branded” stations, but may not necessarily be selling gasoline produced at that company’s refineries. This is because gasoline from different refineries is often combined for shipment by pipeline, and companies owning service stations in the same area may be purchasing gasoline at the same bulk terminal. In that case, the only difference between the gasoline at station X versus the gasoline at station Y may be the small amount of additives that those companies add to the gasoline before it gets to the pump.


Whilst I'm on the last people, perhaps on this earth, to get emotional over the demise of a large corporation, this has me worried. The juggernaut that is Amazon shows no sign of coming to a hault; they already have a complete monopoly in many sectors, what's the situation going to be like in 5,10,15, even 20 years? Give credit where credit is due: Bezos has acheived more in one lifetime than what many of us could do in 10.


"I know this an old thread, but one that caught my interest as I just moved to the USA from Australia. As per the OP I had never written a check in my whole life, and upon arriving in the US I was surprised as to their proliference. In Australia pretty much all bills you receive can be paid in a number of ways: For small amounts between friends cash is probably used most, but for larger amounts direct transfer is popular. Your friend/landlord will give you their bank account number and BSB number, which identifies their bank, and then you transfer the money in. We don't have a SSN like some other countries. Cheques are still used by some however, esp by the older generations. Now that I'm in the US initially I had tried to set up direct transfer to pay my rent however the bank has a $1000 daily transfer limit. I contacted the bank to get this increased however I was informed that this limit applies to ALL accounts at the bank. I asked how do people pay their rents with this low limit and was told that most people used cheques. (This explains the strange look I got from my landlord when I asked for their bank account details so I could pay the rent!) I now have some bills to pay here and I use online banking. You enter the biller's name and address and then the bank actually prints off a cheque and posts it to the biller on your behalf! My first couple of pays here were also cheques, which were the first actual ""paychecks"" I had ever received."


> Pricing of most books used for university courses looks like this (as many lecturers simply ask for the current edition, even if there were no significant discoveries in the field of study). Thanks for replying. There's no material difference as far as I can see. It's such a weird pricing strategy though.


[Head shaking & hands wrings] very sorry sir . .this bubble has now popped Thank you and come again, we will be very pleased to have you Unfortunately we blamed it on Israel, it was not a very smart thing to do very sorry


Maintain your U.S. bank accounts. Use xe.com to transfer money back and forth.


You will tend to find as options get closer to expiry (within 2 months of expiry) they tend to be traded more. Also the closer they are to being in the money they more they are traded. So there tends to be more demand for these options than long dated ones that are far out of the money. When there is this higher demand there is less need for a market maker to step in to assure liquidity, thus there should be no effect on the underlying stock price due to the high demand for options. I would say that market makers would mainly get involved in providing liquidity for options way out of the money and with long periods until expiry (6+ months), where there is little demand to start with and open interest is usually quite low.


"Usually... if you can't figure the business model for a cheap or ""free"" product it's because you ARE the product and just don't know it. In this case, moviepass has found a buyer who will pay more for the data on your movie watching habits than they have to fork out for movie tickets. This is why the price dropped from $60 to $10. It's a data play now. Don't worry... You're giving Google and Facebook way more for access to their ""free"" technologies, I assure you."


"I'm not dismissing anyone from the third world. I'm dismissing the hordes of unemployed kids my age who attribute my success to ""luck"" while they squander what resources and time they have on drinking, smoking and fast food. I had to eat cup-o-noodles every day for lunch for two years so I could afford textbooks without crippling myself with debt. I have a friend who's a single mom, lives with her parents, no help from babby daddy, and she eats at McDonalds three meals a day. She's literally spending more than my car payment just on food alone. Bear in mind her parents grocery shop and cook for her, she just prefers to eat out. If you're from Darfur, sure you might be at a competitive disadvantage. But if you're a poor american, sack the fuck up. I came from a lower middle class family. My dad made ~$35k a year when I was growing up and my mom didn't work. I made it. My wife grew up in rural indiana, two hours from the nearest hospital, in abject poverty. She managed to get herself out it through sheer force of will and she makes more than I do now. My *biggest* complaint about contemporary liberalism is the abandonment of the concept of personal responsibility. I'm all for eliminating systemic injustice but society simply can not function if we all feel entitled to a great job, a big house and an iPhone."


One thing that kept me from doing a budget for years is how complex some people make it. For example you list your gross pay, then deduct the taxes, 401K, FSA, etc... Why? Those are pretty consistent. For me, the way this is budgeted is I list my net pay, and go from there. If you were perfect in predicting your FSA, you would have no medical expenses on your budget! Simple, easy budget! Now this year, you will probably have to pay out of pocket for some expenses. Can you predict how much? Can your disposable income absorb the overages? If not you will need to start a sinking fund. That is put a sufficient amount of money into a savings account each month to cover the shortage. Keep in mind you can go over a bit on your FSA contributions. If you find yourself near the end of the plan year with extra money, you can also claim mileage reimbursement for your medical appointments. Since your FSA has a history of those, it is easy to calculate your mileage from your home to the DR's office and submit a claim.


what are sick days? what if you're sick beyond those 10 days? You don't get paid? what about those 10 sick days, you do have to hand in a doctors note or something? Is there any compensation if you don't take any sick days? Europe here, we have no such thing as sick days, you can be ill as much as you want, and many people take multiple weeks (eventually you will get fired i guess ;) but as a person who hasn't taken a single sick day in the past year the whole thing kinda bothers me, as i am doing the work of the sick people every time.


"I received my offer to join one of GS/MS/JPM the fall of my senior year through On-Campus Recruiting. I submitted my resume for the Investment Banking Analyst position, passed the first round on-campus interview, was sent to a ""superday"" at NYC headquarters about a week later, and walked out with an offer at the end of the superday. I should probably note that I was an engineering major, so most of my interviews were focused on ""why finance."" You *really* need to be sharp on explaining your story (by walking someone through your resume clearly and concisely)."


The answer likely depends a bit on which state you are in, but this should be true for most states. I don't know anything about Pennsylvania specifically unfortunately. The Affordable Care Act created the SHOP marketplace, which allows small businesses to effectively form larger groups for group coverage purposes. SHOP stands for Small Business Health Options Program, and requires only one common-law employee on payroll. This would effectively allow you to offer group coverage without having a group. Talk to your tax accountant for more details, as this is still very new and not necessarily well understood. There are some other options, all of which I would highly suggest talking to a tax accountant about as well. HRAs (health reimbursement accounts) allow the employer to set aside pre-tax funds for the employee to use for approved medical expenses; they're often managed by a benefits company (say, Wageworks, Conexis, etc.). That would allow your employee to potentially pick a higher deductible health plan which offers poorer coverage on the individual marketplace (with after-tax dollars) and then supplement with your HRA. There are also the concept of Employer Payment Plans, where the employer reimburses the employee for their insurance premiums, but those are not compatible with the ACA for the most part - although there seems to be a lot of disagreement as to whether it's possible to have something effectively the same work, see for example this page versus this for example.


Bermis Inc has a team of industrial electricians that can handle all of your electrical construction and maintenance needs. This includes lighting retrofits, single equipment installs, full production lines to complete plant relocations and incoming service upgrades.


I think Trump is actually trying to get the Middle east to go nuclear, I guess all those years indebted to the Bankers, giving up his darling daughter as collateral, has left him with a taste of circumcision in his mouth and this is his roundabout way of getting revenge.. . . We seem to be aiming to have Nuclear weapons surround Israel . .you know, I can get Jiggy with that


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Each trade will cost you nearly $10 to buy and then $10 to sell. With $1800 that is literally 1% of your initial investment lost to fees. It would be far wiser for you to learn with play money instead. Head over to investopedia and use pretend money: http://www.investopedia.com/simulator/ If you're absolutely fine with losing your $1800 than go ahead and jump into some companies you like. I would not recommend that though. Put the $1800 into one single position that you will hold for a few years and play with pretend money to get a better feel for short term trades.


The holders of the shares have to agree to sell them to management in a share repurchase. Typically, share repurchases are done in the open market, causing market activity to increase the share price marginally. This is how the company returns the value to shareholders. The company could also negotiate a price with a mutual fund, or founder, for a large block. If they get close to the point of purchasing all outstanding shares, this would be exactly the same as the management of the company taking the company private, buying out all existing shareholders. To prevent a single holdout from keeping say the very last share for one million dollars or the like on the open market, they would generally propose to the board of directors the buyout terms with a price per share, and most corporate charters are written such that the directors' vote binds minority shareholders to buyout or merger decisions. Michael Dell famously took Dell Computer private in 2013, raising external money to offer a fair price to the board, which accepted it, letting him take it back to private status.


A lot of companies now do credit checks before employment. They may decide that you are untrustworthy by having shoddy credit after a foreclosure/bankruptcy. The past 2 jobs I have they did a credit check. I wonder how companies use that information in the hiring process.


While dealing with US pennies and not 1 and 2 cent euro pieces, you may find this Wikipedia article of interest and analogous: Penny debate in the United States This article briefly summarizes both the arguments for and against retaining the one cent piece. The arguments against include: Arguments for preservation include: Already a number of countries have removed their equivalents of the one and two cent coins, including New Zealand, Sweden, Australia, Israel, and Brazil (to name a few).


PE ratio is the current share price divided by the prior 4 quarters earnings per share. Any stock quote site will report it. You can also compute it yourself. All you need is an income statement and a current stock quote.


What?! According to that article's description, ANYONE can take advantage of the Post Office. But the article tries to make it look like Amazon is the only one making off like bandits from it! What the one-sided argument are you trying to feed me here? That's still free market. I think you should look for the flaws in the articles before you accept their narrative. Every article has flaws. If you know what they are, you can shore them up with other proof that backs up the weaknesses, or you can dismiss the article as worthless. In the case of this article, I'm afraid I must dismiss it as worthless. It is selling a narrative that the Post Office is catering to Amazon, when it is clear that Amazon is simply abusing the Post Office the same way any company can, and probably does.


The first and most important thing to consider is that this is a BUSINESS TRANSACTION, and needs to be treated as such. Nail down Absolutely All The Details, specifically including what happens if either of you decides it's time to move and wants to sell off your share of the property. Get at least one lawyer involved in drawing up that contract, perhaps two so there's no risk of conflict of interest. What's your recourse, or his, if the other stops making their share of the payments? Who's responsible for repairs and upkeep? If you make renovations, how does that affect the ownership percentage, and what kind of approval do you need from him first, and how do you get it, and how quickly does he have to respond? If he wants to do something to maintain his investment, such as reroofing, how does he negotiate that with you -- especially if it's something that requires access to the inside of the house? Who is the insurance paid by, or will each of you be insuring it separately? What are the tax implications? Consider EVERY possible outcome; the fact that you're friends now doesn't matter, and in fact arguments over money are one of the classic things that kill friendships. I'd be careful making this deal with a relative (though in fact I did loan my brother a sizable chunk of change to help him bridge between his old house and new house, and that's registered as a mortgage to formalize it). I'd insist on formalizing who owns what even with a spouse, since marriages don't always last. With someone who's just a co-worker and casual friend, it's business and only business, and needs to be both evaluated and contracted as such to protect both of you. If you can't make an agreement that you'd be reasonably comfortable signing with a stranger, think long and hard about whether you want to sign it at all. I'll also point out that nobody is completely safe from long-term unemployment. The odds may be low, but people do get blindsided. The wave of foreclosures during and after the recent depression is direct evidence of that.


govt debt and money printing is nothing to the amount of debt in circulation in the private sector (41 trillion). it was the private sector that created the inflation and bubbles. giving students 1 trilion to pay off all student loans isn't inflationary, it would be deflationary. because the banks created the credit out of thin air to lend to the students for college, if you pay it back, it closes the circuit. Govt would have 1 trilion in debt, but that's nothing, only a trilion dollars. it can get paid back in tax revenue from economic recovering by the private sector no longer burdened by debt.


Most of it is probably due to ignorance and disbelief. A few years ago, I started doing week-long trades with my IRA. For a while I would make money each time, and over the first year I had about a 20% rate of return. If you asked me if I thought I was smarter than other people in the market, I would've told you no - I just spent more time, and most people accepted a small financial penalty for not having to spend the time directly managing their portfolio. Then I made a few poor choices, and all my previous earnings disappeared quickly. In the short term, yeah, things were great, but that didn't extrapolate out. So now that I'm a few years into investing, I'm almost entirely in index funds.


Lets imagine two scenarios: 1) You make 10.4k (40% of total income) yearly contributions to a savings account that earns 1% interest for 10 years. In this scenario, you put in 104k and earned 5.89k in interest, for a total of 109.9k. 2) You make the same 10.4k yearly contribution to an index fund that earns 7% on average for 10 years. In this scenario you put in the same 104k, but earned 49.7k in interest*, for a total of 153.7k. The main advantage is option 1) has more liquidity -- you can get the money out faster. Option 2) requires time to divest any stocks / bonds. So you need enough savings to get you through that divestment period. Imagine another two scenarios where you stop earning income: 1-b) You stop working and have only your 109.9k principal amount in a 1% savings account. If you withdraw 15.6k yearly for your current cost of living, you will run through your savings in 7 years. 2-b) You stop working and have only 20k (2 years of savings) in savings that earns 1% with 153.7k in stocks that earns 7%. If you withdraw your cost of living currently at 15.6k, you will run through your investments in 15 years and your savings in 2 years, for a total of 17 years. The two years of income in savings is extremely generous for how long it starts the divestment process. In summary, invest your money. It wasn't specified what currency we are talking about, but you can easily find access to an investment company no matter where you are in the world. Keep a small amount for a rainy day.


"As a former professor, I have few questions: 1. When it comes to the things you listed, how to **filter** things, how to **build a structure and methodology** to handle tasks, how to **research and elaborate** on the knowledge needed, **motivation**, **social and personal traits**, and seeking **feedback** (including self-critic), what percentage of this is taught or can be taught in school, and what percentage of this is part of the personality you already have and cannot be taught? Can ""motivation"", for example, be taught in school? 2. When it comes to practical and current knowledge needed in the workplace, is it coming more from what was taught in college, or is it more from self study and experience gained in the first few weeks at a real work environment? 3. Do colleges and universities fail students when needed? When I was teaching, and from professors I currently know, the guidelines are very strict as for the possibility of failing a student. Few of my students should never ever be accepted to college, definitely should have failed my classes as clearly they do not have the capability to handle the real requirements, bad and immature personalities, zero chance to improve, etc. I was prevented from failing few of them. Lastly, I do think kids should go to college, but traditionally, colleges and universities were mostly(!) to demand high standards, tough acceptance, and fail those who can't handle the requirements. Thus, those fewer who got degrees deserved those degrees and almost always benefited from those degrees as for getting work, good compensation for their work and succeeding in their work."


"What kind of statistics are you looking for? The increased use of tasers among police who actually have tasers? The increased use of SWAT teams by police forces with SWAT teams? That said; a ""slippery slope"" is when a small step leads to further steps towards an unwanted end. What's the ""slippery slope""? Am I leading us down one? Police forces in general?"


What other ways would you suggest? Plus, if I truly believe that the product I'm selling is going to improve your life, it would be incredibly fucking rude not to give you the opportunity to obtain it. And that is how I feel. I'm not wasting people's time, I am honestly trying to better their lives with my product. I don't really understand how that makes me an intrusive asshole. Honestly, its people like you who are the assholes. I'm making cold calls because that's my job. I believe in my product and believe my potential customers will find it desirable too. When people like you assume we are just intrusive assholes trying to rip people off, it makes my job harder, less efficient, and no where near as fulfilling. I would suggest you take a look at yourself and change your attitude towards people who approach you with their products instead of assuming everyone who attempts to sell you something is just a rude, intrusive waste of time.


"**The. Heading. Says. Gasoline.** How the hairy fuck can it be misleading, unless you're registered blind and have a defective text to speech reader, so you make the font 200 pixels, and have to put your nose to the screen? ""WARNING! DANGER! HIGH VOLTAGE!"" ""That sign is misleading! Water is very dangerous!"" Damn your non sequitur. and TWENTY THREE PEOPLE AGREE WITH YOU. Oh for fucks sake, what is wrong with your reading comprehensions!? #Face Palm#"


"This will be interesting. He sued under Title VII, which has a clear exception for religious organizations. [42 USC § 2000E–1](http://www.law.cornell.edu/uscode/text/42/2000e-1) > (a) Inapplicability of subchapter to certain aliens and employees of religious entities However, these are **nonprofits** like Worldvision, Boy Scouts, YMCA and even hospitals that produce a ""nonsecular"" product. Selling lightbulbs ... not so much."


How would the economy affect Dell? * Sales revenue (look at financial reports since 2008), especially in enterprise-level sales for small businesses * Research and development - are they investing in creating new products now, or making minor adjustments to older lines? The lack of available credit in the economy might affect this decision. Connect this with the next part of your project - with their current course, are Dell's products going to be relevant in 3 years? * Supply issues - any recent supplier changes due to economic hardship? Any evidence of outsourcing/insourcing based upon the current economy? Also, there is currently a massive shortage in hard drives due to floods in Thailand. Just some thoughts.


"From personal experience of having been abroad for a while for work, I found the simplest method to be to Paypal it to myself from one country to the other. Yes, you incur a transaction fee - but it was always less expensive than ""real"" bank fees for me. Also - if you use a bank that has offices in both countries, adding an authorized user with a debit card and having them visit the bank every X often and making a withdrawal is a viable route."


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"This is the best tl;dr I could make, [original](https://www.project-syndicate.org/commentary/german-g20-investment-framework-for-africa-by-wolfgang-schauble-2017-06) reduced by 86%. (I'm a bot) ***** > The CWA offers interested African countries the opportunity to improve conditions for private investment, including in infrastructure. > The CWA&#039;s structure is straightforward: African countries, together with their bilateral partners and international financial organizations with proven expertise on Africa, will jointly develop, coordinate, and implement tailor-made measures. > With the upcoming G20 Africa Partnership Conference in Berlin on June 12-13, we will provide a platform for these African countries to reach out to investors in order to enhance the continent&#039;s engagement with the private sector. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6fxdgr/wolfgang_shauble_africa_has_an_enormous_economic/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~139006 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **country**^#1 **African**^#2 **CWA**^#3 **Africa**^#4 **G20**^#5"


"A money order is basically a pre-paid check. The physical cash would probably get deposited into a ""master"" custodial bank account. Each money order has a different bank account number on the check where the funds are available as you have paid-for already. With the routing number as well, your traditional bank account will be able to process it as a deposit. For USPS money orders though, they can be cashed directly at their retail locations."


"The quickest way to approach this question is to first understand that it compares flows vs. levels. Market size is usually stated as an annual or other period figure, e.g. ""The market size of refrigerators will be $10mn in 2019."" This is a flow figure. Market capitalization is a level figure at any given point in time, e.g. ""The market cap of the company was $20 million at the end of its last fiscal quarter."" Confusion sometimes occurs when levels and flows are used loosely for comparisons. It is common for media to make statements such as ""Joe Billionaire is worth more than the GDP of Roselandia."" That is comparing a current level (net worth) with an annual flow (GDP). With this in mind, there are a variety of conditions where a company's equity market value will exceed its market size. The most extreme example is an innovating, development-stage enterprise, say, a biotech company, developing a new market for a new product; the current market size may be nil while the enterprise is worth something greater. The primary reason however for situations where a company's equity market cap is greater than its market size is usually that the financial market expects the enterprise (and oftentimes its market, though this isn't necessary) to grow substantially over time and hence the discounted value of the company may be greater than the current or near future market size. A final example: US annual GDP (which comprises of much more than corporate incomes and profits) for 2014 was about $17.4tn while the nation's total equity market value in 2014 was $25.1tn, both according to the World Bank. That latter figure also doesn't include the trillions of corporate debts these companies have issued so the total market cap of US, Inc. is substantially greater than $25.1tn."


Be glad you don't live in the Pacific Northwest. We're still recovering from a refinery shut down that sent our gas prices to $4.30/gallon while the rest of the nation was at $3.50/gallon. Our gas prices are still higher than US average at $3.70/gallon. Some gas stations are still charging $3.90+ here.


There is a 3rd option: take the cash back offer, but get the money from a auto loan from your bank or credit union. The loan will only be for. $22,500 which can still be a better deal than option B. Of course the monthly payment can make it harder to qualify for the mortgage. Using the MS Excel goal seek tool and the pmt() function: will make the total payment equal to 24K. Both numbers are well above the rates charged by my credit union so option C would be cheaper than option B.


This depends in part on the bank holding your loan and the loan agreement. Some loans will accept partial payments and apply them immediately; some will not accept partial payments at all, and some will accept the payment but hold the funds until the payment is at least your complete payment. You should check your loan agreement to find out how the payment will be processed, as well as how it will be applied. It also is relevant how interest is calculated and accrued; if your interest is a daily rate, then you may save some money this way, but if it's a monthly rate then you wouldn't necessarily. Either way you wouldn't really save very much money; in your particular case you'd be saving $0.15 per month (.025/24 = .001 semimonthly interest rate, $150 paid halfway through the month means you pay .001*150 less interest). Is that $0.15 worth it? Up to you I guess. If you're paying that for 5 year loan, you'll end up ahead $9 at the end of it. Finally, there is a kind of program often offered to new mortgage holders where you pay every two weeks (like your paycheck) and thus 'pay down your mortgage faster by saving on interest', which is true, but it's because you make 26 half payments per year instead of 12 full (or 24 half) payments, not primarily because of particular savings on interest due to timing (and of course the program offerer has to make money somewhere!). Paying an extra 8.33% each year is certainly a good way to pay off your loan faster, but it's not primarily due to the frequency of those payments.


"You need to interpret ""security"" appropriately in Wikipedia's definition. You should think of it as saying: to be long in a put, means the holder of the position owns the put and will profit if the price of the put goes up And what makes the price of the put go up? -- the price of the underlying stock going down."


Proper enforcement of laws currently on the books that should have prevented a company like Citi from selling loans that violated their own underwriting standards would have knocked out a huge part of it. Banks would have been a lot less willing to give loans to people who couldn't afford them if they knew that they couldn't flip them on the secondary market.


You're most definitely being scammed. You're being asked all the information required to steal your identity and take over your bank account. And Austria is land-locked, it has no west coast (or any coast, for that matter).


They put their stock on the market that people then purchased, if they don't put that stock out there then I suspect those people will just buy the stock from somewhere, so really no harm was caused to any individual that would have been prevented otherwise. It's not great, and shouldn't be done as market asssumtry isn't good. I think the punishments for if aren't to right any sort of wrongdoing, it's to act as a deterrent.


(Assuming in the US) There are several possibilities, but to be honest anyone here is only going to be able to make guesses. To get the answer, the account holder (your girlfriend) is going to have to contact the bank and ask them directly. Some possibilities include: Suspicion of money laundering, suspicion of possible illegal activities in the account (e.g. check kiting), suspicion of possible prohibited activities (not necessarily illegal, but as defined in the account agreement, they may not allow activity related to gambling or pornographic businesses, for example), suspicion of business activity taking place in a non-business account, insufficient KYC (Know Your Customer) information on the account (such as they did not or could not verify required information during the account opening process), a negative ChexSystems report (for example, they found out through ChexSystems she had derogatory information reported on another account at another bank previously), or extended period of time it was overdrafted (usually 30+ days). I should also add that any bank/credit union has just as much a right to close an account with a customer, as the customer has the right to close their account with the bank/credit union, at any time, without notice. In *most* cases (although not all), when a bank closes an account, they will send a letter to the address on file for the account beforehand explaining the reasons. Have her check her mail. Are you sure the account is actually *closed*, and not just *blocked*? It could just be in a blocked status due to overdraft or some other reason, which is very different from being closed. As for where the direct deposit went - if the account is truly closed, then the money is being returned back to the company that initiated the direct deposit - usually takes 2-3 business days. Your girlfriend will have to contact the company's payroll department to arrange other means of payment, such as a check. In any case, it's all speculation at this point until the bank can be contacted to find out the real reason why. (Tip for the future: Look at switching to a bank that has 24/7 customer service)


"Subtracting the loan from a deposit is known as ""setting-off"", and in general whether you can do it would depend on the terms of your contract with the bank. It's quite likely that they wouldn't state it either way and at best you might end up with a legal fight. So I'd recommend assuming that it won't be possible."


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Money Dashboard and Love Money look like two best options out there now that Kublax closed their doors. Mint were making noises last year about spreading to UK/Canada, but I've not heard anything new about that.


Generally, a one time thing is considered a gift. For the donor this is obviously not a deductible expense, except for some specific cases (for example promotional gifts under $25 to vendors can be deducted, if you're a business, or charitable contributions to a recognized charity). However, if this is a regular practice - that would not be considered as a gift, but rather as a tax fraud, a criminal offense. Being attentive I would like to make a little gift or give some little (<100$) amount of money (cash/wire/online) for that Why? Generally, gift is exempt from income if no services were provided and the gift was made in good faith. In the situation you describe this doesn't hold. When the gift is exempt from income to the receiver - the donor pays the tax (in this case, below exemption the tax is zero). If the gift is not exempt from income to the receiver - it is no longer a gift and the receiver is paying income taxes, not the donor. The situation you describe is a classic tax evasion scheme. If someone does it consistently and regularly (as a receiver, donor, or both) - he would likely end up in jail.


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Reminds me of when I had a warehouse job about 10 years ago. I started at the same time as a lot of temp employees. A lot of these temps were promised permanent jobs after 6 months. That didn't happen quite on schedule and one I worked with kept complaining about it loudly. So they hired him. I was in the room when he was told he had to get a drug test the next day. It wasn't a happy face. I never had a chance to compare and contrast though because he never showed up again.


It's good, it's more important that you are at a top school. The industry is pretty competitive, but I go to a very much non - target school,and I landed a killer internship in sales and trading due to networking my balls off and failing a bunch of times. My major is Finance, with a Stats minor that I'll be dropping.


"Time for Redditors to not understand that the reason someone is losing cash matters far more than the fact that they're losing cash in the first place. If you have positive unit economics on every transaction and spend your margins on customer acquisition, you're losing money but gaining market share. Once you stop growing, all of the customer acquisition spend is now pure profit. This is a great reason to be losing money and raising capital from equity/debt. If you have *negative* unit economics on every transaction and have *no* margins, you are resorting to financing to just keep your operations running. When you stop growing, you're still losing money. The only way you start having a margin is by reducing cost or increasing prices. Uber has experimented with raising prices and it is reducing their losses. But it's also reducing their market share. Revenue growth but market share loss means they're growing slower than the rest of the market. Not great. In fact, catastrophic, because it means people are jumping ship because of increased prices. People keep comparing Kalanick to Bezos and Jobs, and could not be any more wrong. Jobs made incredibly high margin, noncommodity premium products that you couldn't get anywhere else. If you're putting companies on a ""commodity-noncommodity"" axis, Apple is going to be on the opposite end of Uber. Amazon does deliver a lot of commodity goods, but they lost money for so long not just to deliver goods at negative unit economics but to *also* build and scale infrastructure that let them achieve positive economies of scale. They built an infrastructure that rivals the logistics ops of anyone in the world. They also use negative unit economics as a loss leader; so for instance, selling the Fire and Kindle at a loss because people will buy zero marginal cost items like movies, music, ebooks, etc through them, in addition to serving as a portal for Amazon's entire online store. I have bought hundreds of dollars of digital goods through Amazon hardware. That's pure margin for them. How is UberX a loss leader? Uber shares none of these traits with Amazon or Apple."


"What you want is called a ""car wrap."" A designer can get a template for your truck, to have exact measurements of its dimensions. Then he creates a full color design in Adobe Illustrator or whatever. Then he prints them in waterproof, colorfast inks on a Mutoh inkjet printer onto shrinkable plastic with an adhesive backing. Then a guy carefully pastes them all over your truck. It's easy on flat sides, but they have techniques to seamlessly cover every surface of the truck, including the curved bits like around the headlights. It looks [something like this](http://www.capitalwraps.com/blog/bid/37088/Florist-Vehicle-Wraps-Bloom-In-The-Effectiveness-And-Visibility). But FFS please get a serious designer who does quality work, and not some amateur that produces an eyesore. Good graphics are good advertising, and costs good money to make."


"Amazon is looking for tax breaks...not only from the location of their new site, but also from WA State. WA stands to gain more long term tax revenue if Amz changes it's mind and decides to stay so they will likely kick in tax breaks to minimize the # of employees shifted to the new office. Also worth noting, they specifically say ""North America"" in the search so Toronto, Montreal, and Mexico City could all theoretically be in the running too. (Vancouver BC is out because it is just too close geographically to Seattle.) It really depends on their search criteria and long term plans."


I just briefly looked into the gravity battery and it looks like a pain in the neck engineering wise. Making that economically viable with the requirement to replace the installed base seems unfeasible. Also it doesn't seem to take care of one of the main issues - transportation. Running electricity through wires is extremely inefficient because the wires have a certain amount of resistance. So energy company try to minimize the amount of wires used by localizing power plants. For solar and wind, which are efficiency is dependent on region, transportation is the real issue for widespread adoption


"Wow, this turns out to be a much more difficult problem than I thought from first looking at it. Let's recast some of the variables to simplify the equations a bit. Let rb be the growth rate of money in your bank for one period. By ""growth rate"" I mean the amount you will have after one period. So if the interest rate is 3% per year paid monthly, then the interest for one month is 3/12 of 1% = .25%, so after one month you have 1.0025 times as much money as you started with. Similarly, let si be the growth rate of the investment. Then after you make a deposit the amount you have in the bank is pb = s. After another deposit you've collected interest on the first, so you have pb = s * rb + s. That is, the first deposit with one period's growth plus the second deposit. One more deposit and you have pb = ((s * rb) + s) * rb + s = s + s * rb + s * rb^2. Etc. So after n deposits you have pb = s + s * rb + s * rb^2 + s * rb^3 + ... + s * rb^(n-1). This simplifies to pb = s * (rb^n - 1)/(rb - 1). Similarly for the amount you would get by depositing to the investment, let's call that pi, except you must also subtract the amount of the broker fee, b. So you want to make deposits when pb>pi, or s*(ri^n-1)/(ri-1) - b > s*(rb^n-1)/(rb-1) Then just solve for n and you're done! Except ... maybe someone who's better at algebra than me could solve that for n, but I don't see how to do it. Further complicating this is that banks normally pay interest monthly, while stocks go up or down every day. If a calculation said to withdraw after 3.9 months, it might really be better to wait for 4.0 months to collect one additional month's interest. But let's see if we can approximate. If the growth rates and the number of periods are relatively small, the compounding of growth should also be relatively small. So an approximate solution would be when the difference between the interest rates, times the amount of each deposit, summed over the number of deposits, is greater than the fee. That is, say the investment pays 10% per month more than your bank account (wildly optimistic but just for example), the broker fee is $10, and the amount of each deposit is $200. Then if you delay making the investment by one month you're losing 10% of $200 = $20. This is more than the broker fee, so you should invest immediately. Okay, suppose more realistically that the investment pays 1% more per month than the bank account. Then the first month you're losing 1% of $200 = $2. The second month you have $400 in the bank, so you're losing $4, total loss for two months = $6. The third month you have $600 in the bank so you lose an additional $6, total loss = $12. Etc. So you should transfer the money to the investment about the third month. Compounding would mean that losses on transferring to the investment are a little higher than this, so you'd want to bias to transferring a little earlier. Or, you could set up a spreadsheet to do the compounding calculations month by month, and then just look down the column for when the investment total minus the bank total is greater than the broker fee. Sorry I'm not giving you a definitive answer, but maybe this helps."


The best time to start holiday shopping is just after the holidays, when stores are selling off their remaining overstock. Outside of that, there's no one answer.


"The dirty secret of finance is that a lot of front office work is also boring. Get used to it. The moments when money pours magically from the phone and gushes unstoppably from your Bloomberg are brief and fleeting, and are punctuated by long months when you do little but scrub data, build models and systems, foster client relationships with people you don't especially like, and spend god-knows-how-long in mind-numbing internal meetings. You want to stab yourself now? Just wait. ""My department generates nothing because it's all compliance."" <- Don't be this guy, it's not a commendable or mature attitude. Compliance and back office are not sexy areas, but without them guess what? Your trades won't settle and you'll end up in prison. They frequently work longer hours than front office, always get paid less than front office, and they've been told by better guys than you that they are nothing but a cost base. They also have long memories and a vindictive sense of retribution, especially for condescending front office twats who look down on them..."


"I was perplexed by this until a few days ago when it finally clicked in a meeting with our fraud and money laundering teams in work (I work on trading surveillance). Apparently fraud detection and prevention of money laundering are currently the biggest delayers when it comes to electronic transfer of funds, checking that the transferring party has the funds to transfer etc. takes no time at all. It takes some time for a bank user to ""release"" a funds transfer; once it has been initiated it is put into a queue to be reviewed as potentially fraudulent or money laundering activity. Almost every transaction has to be monitored for this from a legal standpoint. The compliance process can take multiple days. Once the process is complete the request also has to go through ""settling"" which is an end of day process whereby banks ""net off"" their customers' transactions with other banks and only pass the net value between them. This is an end of day process by nature so only happens once a day meaning that once all of the checks have occurred any transaction will take until the end of the day to crystallise for the bank and so get credited to their customers' accounts. Incidentally in the UK and Europe banks are moving to streamline this process through ""faster payment"" systems (that is the industry term for the technology) so that customers see the effect within a few hours (2 in the UK currently) and then the banks net off at the end of day as usual. This means reducing the time it takes to do the checks that have to be done using specialist software to flag transfers as potentially fraudulent or not and making banks' processes much clearer and faster."


While I get the concepts you are using, I don't think there is a purely, or even mostly, economically strong company in the US right now. Large companies have seen that regulatory capture is a loaded gun on the table. They can either use it or have it used against them.


>Obviously, if we've got far, far fewer government workers that any any point since World War II Got a cite? The number of federal workers has expanded steadily for a while now, but a cite might save me from trying to napkin math population ratios and whatnot.


My favorite places to eat are places that do a few things and do them really well. Inventory turnover is important at a place that serves food. I do not go to Chipotle to get chicken fingers or burgers or dim sum or linguine or seafood or pho. I go there to get the one thing they've focused on doing well. You seem to be really hung up about about how their menu is too limited. Chipotle makes burritos. If you don't like burritos maybe you should go somewhere that doesn't make burritos.


You need a blog, or a thread of your own. I want to learn about this, and you appear to be quite knowledgeable and thorough in your explanations. Would it be possible for you to make a thread, or reply, or pm explaining some of the pro's and cons of fiat money?


"Sure, but there's really no limit to how far you can take this logic. Every social institution - whether it be money, property rights, the government you pay taxes to, the language you speak - ultimately only enjoys a stable existence because people collectively accept its existence as real. But from my perspective as a single individual, the money I use and the laws I'm subjected to are just as real as the ground I walk on. It's perfectly rational to treat social objects as real even though their existence does not derive from the ""brute"" facts of the world."


I've been a mortgage broker for almost 20 years. I get people loans all of the time thru FHA and Conventional (Fannie Mae) with just one year work history; however, as a student, you must submit your school transcripts and your major needs to be in line with your current job. I'm closing a guy next week that has only been in his job for 8 months but he just graduated with his Masters in Biology. He's currently a wild life manager and the underwriter signed off on it easily.


I would say that there is no real difference. Asset management companies that is part of large banking groups usually seat in separate entities and operate independently from the rest of the bank. Assuming proper procedures (and regulators usually check that) are in place they will not share information with the rest of the bank and their assets are clearly segregated from the rest of the bank. They have the same fiduciary duties as an independent AM and are probably using the broker/dealer services of other banks as well as their parent. Reputation is a key issue for banks and conflict of interests are usually managed properly. Independence also comes and goes. The corporate history of Neuberger Berman is a good example. Neuberger Berman was once an independent asset manager. In 2003, it merged with Lehman Brothers, thus loosing its independence. When Lehman went bankrupt in 2008, NB did not join its parent company in bankruptcy and did not lose the assets of its clients. The company continued to operate until it was acquired by the management. Finally it is mostly a question of marketing and positioning.


"Yes, there are a lot of places you can research stocks online, Google Finance, Yahoo Finance, Reuters etc. It's important to understand that the price of the stock doesn't actually mean anything. Share price is just a function of the market capitalization divided by the number of shares outstanding. As an example take two companies that are both worth $1 million, but Company A has issued 10,000 shares and Company B has issued 100,000 shares. Company A has a share price of $100 while Company B has a share price of just $10. Comparing share price does nothing to indicate the relative value or health of Company A versus Company B. I know there are supposed to be no product recommendations but the dictionary area of investopedia.com is a good source of beginner investing information. And as Joe points out below the questions here with the ""stock"" tag would also be a good place to start. And while I'm on a roll, the book ""A Random Walk Down Wall Street"" is a good starting point in investing in the stock market."


"A couple of distinctions. First, if you were to ""invest in real estate"" were you planning to buy a home to live in, or buy a home to rent out to someone else? Buying a home as a primary residence really isn't ""investing in real estate"" per se. It's buying a place to live rather than renting one. Unless you rent a room out or get a multi-family unit, your primary residence won't be income-producing. It will be income-draining, for the most part. I speak as a homeowner. Second, if you are buying to rent out to someone else, buying a single home is quite a bit different than buying an REIT. The home is a lot less liquid, the transaction costs are higher, and all of your eggs are in one basket. Having said that, though, if you buy one right and do your homework it can set you on the road for a very comfortable retirement."


What's the fastest way I can raise my credit score from nothing? I worked at a bank for almost 6 years and used their secured credit card. To give you an example of what that did as far as credit was concerned: on Transunion my score increased 200+ points, while on Experian and Equifax, it increased by less than 150. Most customers who used the card also saw an increase, provided that they paid on time and didn't max out the card. Some strategies I used and I recommended to my customers:


In a nutshell, throwing your taxable income in the trash does not remove it from your taxable income; you still have to report in your tax filing, and pay taxes as needed. Especially as you could at any time request your employer to write you a replacement check. I would expect them to start charging a fee for reprinting if you really annoy them by doing it dozens of times. If you want to avoid taxes on it, donate it to a deductible 501(c)3 organization; then it becomes neutral to your taxes.


On what basis did you do your initial allocation of funds to each stock? If you are 're-balancing' that implies returning things to their initial allocation. You can do this without any research or recommendations. If you started out with say 10 stocks and 10% of the funds allocated to each stock, then re-balancing would simply be either buying/selling to return to that initial allocation. If you are contributing to the portfolio you could adjust where the new money goes to re-balance without selling. Or if you are drawing money from the portfolio, then you could adjust what you are selling. If on the other hand you are trying to decide if you want to alter the stocks the portfolio is HOLDING, then you have an entirely different question from 're-balancing'


I think 3D has the potential and anyone already with a product portfolio ready to go will shine. 3D will take off in South Korea and the USA before it blows up anywhere else, though. Time will tell... As far as Sony goes in the TV business, I've noticed that their prices have come down considerably here in Europe in the past 1-2 years. I would most certainly be willing to bet that this is due to the price competition the Koreans (Samsung and LG) are giving them. Without having ever looked at Sony's reports and knowing nothing about the fundamentals of the company, I wonder if it's able to still be doing well enough in its TV segment to compete or if LG and Samsung are going to kick them out of the market purely on battles over MSRP.


It would depend on the health insurance that was being offered, and if it covers your family or just you. We pay around $500-600 for individual health insurance for our employees (families cost north of 1500 a month). It's extremely expensive. Provide more details on the stock purchase plan as well (it sounds to me like in that case you'd only be getting for free what it would cost to purchase the stock... but that's only $10-15, so negligible in this case.)


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Amazon Prime members and Peapod users. Love shopping for grocery online and will try Amazon Fresh. What shocks me is how WalMart and Meijers (MPerk user) have let us leave w/o a fight. 4 kids and we spent ~$200 - 350 a week on groceries. Never heard anything from the brick and mortar stores. Bizare to me.


My answer would be yes. In addition, I'm not sure that anything requires you to roll your current 401(k) into a new one if you don't like the investment options. Keeping existing funds in your current 401(k) if you like their investment options might make sense for you (though they obviously wouldn't be adding funds once you're no longer an employee). As for the terms of the potential new 401(k), the matching percentage and vesting schedule match what I've seen at past employers. My current employer offers the same terms, but there's no vesting schedule.


Thanks. The reality is that just about any book is available freely as a PDF unless it is especially niche. This isn't my money so I don't mind spending it to have something physical. However, happy to hear if you have other interesting recommendations.


for starters get a cheap easy accounting software pack like quickbooks and have the salesmen train you on it's use and set-up. the 50k you put into the company will count as paid up share capital. then any future withdrawal from company account will show as loan to director.


The most successful ones are lead generation businesses that hire professionals. Getting clients can be difficult. Just because someone is an accountant/doctor/lawyer doesn't mean they can't hire employees. Marketing, leasing space, setting up a business, and management are skills that many professionals lack, and they will be looking for jobs.


">Skinned knees will become life threatening Not true at all. Antibiotics ASSIST the body's immune system. Standard antiseptic practice can prevent, and a healthy individual's immune system can fight off the vast majority of infections. Now the problem is that places like hospitals are not only breeding grounds, but are often becoming endemic community repositories of super-infective antibiotic resistant bacteria; so if the kid with the skinned knee goes to the Emergency Room... then he's in store for a life-threatening problem. As to the viability of things like hip surgeries, they are already a problem -- the solution will be to separate that kind of ""elective"" surgery to a different location (probably an outpatient/overnight-only surgical center) away from the normal ""hospital"". The trend of rolling ALL medical care in an area into one big building/facility (combining clinic, emergency room, surgical, long term care, etc) -- has actually been a big (but seldom talked about) source of the problem. The benefits of doing that are actually minimal, and the detrimental effects far outweigh them."


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No workplace is perfect. There are probably a lot of things they are doing that seem wrong or don't make sense. The problem is figuring out when it is something that matters, and when it is just an annoyance that can be lived with and hasn't yet found the resources to get fixed. So be a bit humble, even if you see things you know are wrong, you should not necessarily think you work with a bunch of monkeys. On the other hand, you may be starting your first job working with a bunch of monkeys. Good luck.