You just disclosed that you are new investor to the stock market. I'd advise that you first understand investing a bit better, as most will advise that investors need to be above a certain level before picking individual stocks. That said, most stocks trade in high enough volume and have low enough short interest that they don't fall under the category you seek. You want to first ask your broker if they have such a process, not all do. If so, they would need to provide you with the stocks that fall into this odd situation, specifically, the shares that have traders seeking to short the stock, but the stock is unavailable. Even then, the broker may have requirements that you don't fall into, minimum history with broker, minimum size account, etc. Worse, they are not likely to offer this for 100 shares, but may have a 1000 or higher share requirement. Are you willing to buy some obscure $50/sh priced stock to lend out at 1%/mo? The guy trying to short it is far smarter than both you and I, at least regarding this particular stock. This strategy is more appropriate for the 7 figure net worth investor. If any reader has actual experience with this, I'm happy to hear it. This response is from my recollection of two articles I read about 3 years ago, coincidence they both were published within weeks of each other.


> but we as a society do not even offer enough college courses to let people learn new skills. Is this part of the problem? We, as a society, seem to be fascinated by training. I know of several people who are quite capable, but feel inadequate in doing a job until what they are doing has been validated by someone else through formal training. I believe this is where KellyAnn3106's coworker was coming from when the [fit was thrown](http://www.reddit.com/r/business/comments/mv6gr/it_is_not_new_to_talk_about_the_need_to_acquire/c3469nh). Learning a new skill, in her coworker's eyes, means going back to a place of training and nobody wants to go back to college once they are in an established career; not unless it is happening as part of the job on the company dime. A lot of these people grew up in a time where they were constantly reminded that college was the only way to find a job. The idea that you can learn some real marketable skills over the weekend just by playing with a hobby project would never occur to these people because to them college = job.


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"This is the best tl;dr I could make, [original](http://eh.net/book_reviews/rulers-religion-and-riches-why-the-west-got-rich-and-the-middle-east-did-not/) reduced by 93%. (I'm a bot) ***** > Here is the basic argument: any kind of ruler has power because his or her subjects accept their rule and their main concern is what Rubin calls &quot;Propagating their rule.&quot; How do you get people to accept you as their ruler and let you keep your job? Political power is supported by a combination of coercion and legitimacy. > Why and how did this matter to economic history? Rubin argues that religious authorities were in general conservative, and that the institutions they established are less aligned with commerce and finance than when an economically important elite such as rich urban merchants and artisans are more powerful. > As a result of their political influence, religious authorities in the Middle East were successful in blocking critical breakthroughs, most notably the printing press and more sophisticated financial institutions. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6kt8n1/rulers_religion_and_riches_why_the_west_got_rich/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~157447 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Rubin**^#1 **rule**^#2 **religious**^#3 **religion**^#4 **economic**^#5"


Leptokurtotic is a term I haven't even heard from my friends *with* math **player hating Degrees**. I had to look it up, and this was annoying. I view using it as some sort of complicated power play to keep me off balance, and it makes me confused and subsequently angry. I am not sure why. In dumb person speak, I've always been under the impression that fatter tails are natural in social distrubutions. And have always been seen as prevalent in free markets of any form, regardless of leverage.


>[**12 Топовых Кранов без вложений! Лучшие сайты криптовалют 2017! Новые краны сатошей Биткоинов, Догов [6:24]**](http://youtu.be/itBMHB0-WxI) >>¦ Ссылки на регистрации в проектах: > [*^Финансовый ^Вектор*](https://www.youtube.com/channel/UCAOABF2yT1SjVqI7RK9aIUg) ^in ^People ^& ^Blogs >*^3 ^views ^since ^Aug ^2017* [^bot ^info](/r/youtubefactsbot/wiki/index)


"I think it is strange that this article did not bring up AngelList syndicates. Also think it's interesting that seed rounds from 'super angels"" or ""c=micro-vc"" were not mentioned considering the numbers looks similar to what used to be an A Round."


Suppose that the ETF is currently at a price of $100. Suppose that the next day it moves up 10% (to a price of $110) and the following day it moves down 5% (to a price of $104.5). Over these two days the ETF has had a net gain of 4.5% from its original price. The inverse ETF reverses the daily gains/losses of the base ETF. Suppose for simplicity that the inverse ETF also starts out at a price of $100. So on the first day it goes down 10% (to $90) and on the second day it goes up 5% (to $94.5). Thus over the two days the inverse ETF has had a net loss of 5.5%. The specific dollar amounts do not matter here. The result is that the ETF winds up at 110%*95% = 104.5% of its original price and the inverse ETF is at 90%*105% = 94.5% of its original price. A similar example is given here. As suggested by your quote, this is due to compounding. A gain of X% followed by a loss of Y% (compounded on the gain) is not in general the same as a loss of X% followed by a gain of Y% (compounded on the loss). Or, more simply put, if something loses 10% of its value and then gains 10% of its new value, it will not return to its original value, because the 10% it gained was 10% of its decreased value, so it's not enough to bring it all the way back up. Likewise if it gains 10% and then loses 10%, it will go slightly below its original value (since it lost 10% of its newly increased value).


"(Yes, I know this is a seven year old question.) Does this only apply to debts that were taken on during marriage Yes or to all debts of both partners? No. The important thing to remember is that it's both debts and assets acquired during the marriage which are shared. This comes from the reality that men in the olden times were the ones in business, accumulating wealth, etc while the woman ""made the home"". The working assumption was that the woman who made the home was an equal partner with the man, since he benefited from a good home, and she benefited from his income. The fact that pre-marriage debts and assets were not community property also protected the woman, because she was able to then take back her dowry and use that to support herself. (N.B. - I live in a CP state.)"


"It's called ""rebadging"" the staff. Take them into the new outsourced company, cut benefits and have them train their Indian replacements, then layoff the us staff. I managed 66 developers around the world. India was the worst. They charge about $25k/for fully loaded fte, replacing someone at $100k all in."


They better wipe their goddamn servers when that happens. Though with the number of mishaps they've had so far they'll probably just move some unencrypted, non-password-protected file named ssns_and_names.xls into the recycle bin and leave the servers on the side of the road, thinking there's no way someone can get the data now.


This was most likely a scam, although I do know of cases where a transfer intended for one company ended up in the bank account of another company. I am not entirely sure what happened afterwards, but I think the receiving company was asked to return the transfer back to the originating account. Still, even if this was the case, they wouldn't have just abandoned $1k for a simple administration fee (if there was even any). It doesn't sound logical.


As soon as you get some actual legal action you hire a lawyer, and that $23k is gone in a matter of weeks. They clearly let have another business to run - only a fool would bother chasing this. In terms of 'what legal trouble' - we'll as you must know (since you have experience right?) it's legal trouble as soon as someone else decides to spend the time and money making it so. Just because you think there is no issues doesn't stop them attempting to sue (claim copyright in the suit design for example) - they will have a lawyer on their side saying 'sure if course this is illegal let's go get em!'. If and when that happens you are in a bind because turning up to court with no representation is a non starter - so even if you are right you have to expose yourself to the bills to get to that point.


"First of all, the only thing they can do to force you to pay is sue you. If they don't sue you, then they can't force you to do anything. All they have right now is just a written agreement you signed promising to pay. That by itself doesn't have legal power to take money from you. The worst they can do without suing you is put negative information on your credit report (which has probably already happened anyway). If they sue you within the ""statute of limitations"", they will almost certainly win and get a judgment against you, because you did agree to pay. With that judgment, the court can force you to reveal your income and asset information, and they can take the judgment to do things like seize money from your bank accounts and/or garnish your wages. And the judgment does not go away. However, if you have no money in the bank and/or income, they can't take any money from you, because you have none. They can't take more from you than you have. In other words, if you have no money or income, and won't have money or income soon, the judgment they can get by suing you and winning isn't worth the paper it's on. Since serving you and suing you takes money and effort, they will make a calculation on whether it is worth suing you based on the amount of debt and what amount of money they think they can get from you based on what they know about you. This is the reason why you may not be sued at all (if they calculate that it is not worth it), and also why they may offer you a settlement for a lesser amount (because is saves the cost of suing and the risk that they won't be able to get you to pay). The amount you mentioned (several thousand dollars) may be small enough for it to be not worth it. Another thing is the statute of limitations I mentioned earlier, which varies by state and is several years long. If they sue you after the statute of limitations passes, then you can raise the statute of limitations and get the lawsuit dismissed. So basically, after this amount of time passes, you are pretty much free from this debt. Note that the statute of limitations ""resets"" if you acknowledge the debt, which includes paying any amount on the debt or agreeing that you owe them this debt. So if the collection agency ever offers you benefits if you just sign a promissory note, or just pay a token amount, don't fall for the trap -- they are trying to reset the statute of limitations. Even though it's true that you owe them the debt, never let them hear you acknowledging it, unless it's part of a final settlement. Finally, if they get a judgment against you and you don't want them to have the ability to take your money indefinitely in the future until the debt is satisfied, there may be the option of bankruptcy. However, a few thousand dollars may not be worth the cost and negative consequences of bankruptcy, since as a young man you should be able to earn that amount quickly whenever you start working."


If the UK is similar to Australia then you would not claim a virtual rent for the business portion but instead could claim a portion of the house expenses such as electricity use, property taxes, and yes a portion of the mortgage, and any repairs or renovations done to the work areas of the house. However, you should keep in mind that if you sell the place you may have to pay CGT on the portion you were claiming for business use.


A checking account is one that permits the account holder to write demand drafts (checks), which can be given to other people as payment and processed by the banks to transfer those funds. (Think of a check as a non-electronic equivalent of a debit card transaction, if that makes more sense to you.) Outside of the ability to write checks, and the slightly lower interest rate usually offered to trade off against that convenience, there really is no significant difference between savings and checking accounts. The software needs to be designed to handle checking accounts if it's to be sold in the US, since many of us do still use checks for some transactions. Adding support for other currencies doesn't change that. If you don't need the ability to track which checks have or haven't been fully processed, I'd suggest that you either simply ignore the checking account feature, or use this category separation in whatever manner makes sense for the way you want to manage your money.


"You can always ask. The answer is likely to be ""no"" -- the company is probably not set up to be able to tweak that number on a case by case basis. I'm not sure whether there are regulations which might kick in, as well; these plans are regulated to prevent abuse and that tends to make doing anything unusual difficult. Find another tax-deferred/tax-advantaged investment and route the money there?"


May want to post in /r/landlord but stains on carpet are not normal wear and tear. When you say hanging things left holes in the wall do you mean small picture nails, larger holes from toggle bolts, or holes from mounting a tv bracket? Picture nail are normal wear and tear, the others are not. If they are repairing homes in the wall then there will also be painting charges. If the have stains on the carpet and it wasn't that old then the price isn't bad.


I can tell you other than Black Friday I haven't been there, and I have 3 kids to buy toys for. Amazon is bae - just compare prices online. We're not our parents who would walk into the store and buy us a random toy. Kids want specific things and if I can get it shipped free in a day for 30% less I'm doing it.


Interesting point actually. Those who can afford watches (insert iPhone or internet access, etc) have a technological step up on the rest of us, by their sheer proxy to information and computational power via their devices and connections. It's not biological, but we're enhancing ourselves vicariously through our tools every day.


"Depends on your definition of ""secure"". The most ""secure"" investment from a preservation of principal point of view is a non-tradable, general obligation government bond. (Like a US or Canadian savings bond.) Why? There is no interest rate risk -- you can't lose money. The downside is that the rate is not so good. If you want returns and a reasonably high level of security, you need a diversified portfolio."


Lol where you been buddy? At one point it was the stock that everyone rode. But now it's come down from its peak significantly. The new reports of the virus will surely hurt it more. I like their food and that virus can be caught anywhere. I feel as if a competitor wants to play dirty tactics within the food supply chain.


When you apply for the mortgage expect that the lender will want your sister to sign a form explaining that that is a gift, otherwise the lender might be concerned that it is a loan. Be careful about the gifting of the money to a minor. You could run into an issue if the money isn't spent on something that benefits the child. The IRS does get concerned about using money transfers between child and parent to get around tax issues. Other than that you don't have a tax issue. If the gifting is done correctly your sister can gift $14,000 to you and your spouse each year. If your child has a large expenses in the near future: tuition, braces... Your sister could transfer funds to the child to pay for those items, thus freeing up some of your funds for the house.


"You asked about the challenges. The transition itself is the biggest one. For people to get used to the tax at the register vs at their paycheck. For a great number of people to find new work. I don't know the numbers, but anyone involved with personal income taxes would be out of work. Sales tax is already part of the process in most states, bumping it to a federal tax wont add too much in overhead. I make no moral judgment, but consider, most prostitutes and drug dealers are avoiding income tax, but they still are buying the same goods in stores you and I are. This proposed tax reduces the collection noncompliance, and brings more people into ""the system"". Another factor some may not like is the ability to affect behavior by picking and choosing what to promote, via deductions, such as home buying or charity."


"So basically, the bar has been lowered due to the fact that so many people don't qualify for credit. The medical debt issue is one thing, but the fact that only 28% of home purchases these days are first time home buyers instead of 40% says more about our unaffordable higher educational system, labor market and people's ability to earn decent income than it does about credit being ""too tight"". If anything this is a loosening of standards since the banks have no alternative in order to drum up new sales. They're 12% off the mark and they're finding ways to close the gap. Wages probably won't get better, so they're better off accepting lower quality customers and rolling the dice on their ability to pay off debts over the life of the loans they issue. Sounding familiar?"


Everbank just charges a 1% currency conversion fee for foreign ATM transactions. Unfortunately they don't seem to document this on their web site, but a call to customer services should confirm (A family member confirmed with them in the past and I also have personal experience while traveling). It appears About.com also reviewed a few last spring. While many places do only take cash, for larger transactions (such as lodging) I'd recommend considering carrying one of the credit cards that don't pass through the network charge for a net 0% (such as Capital One mentioned in another answer).


You should be careful about mingling your personal money and that of the business, even if it is a sole prop right now. It is a good habit to keep separate business and personal bank/credit accounts just so that when you change to an LLC, it is simpler for you to separate what belongs to the company and what is yours personally. What you're doing makes it more difficult (although only marginally so) to itemize business deductions that were paid with an ostensibly personal credit account. The better habit to get into now is keeping that distinct separation between personal and business. That being said, there's nothing illegal in what you're doing, but it would make an accountant cringe, that's for sure. (chuckle) Hope this helps. Good luck!


> pay in your own country is probably better Totally untrue. Depends on your country, obviously, but I personally know several dozen H1Bs who wanted to stay here because they can make way, way more. Agreed that the system is busted and needs significant reform to bring in a lot more qualified workers. But our situation is very, very different from that of any European country, so you can't make a direct comparison.


Your numbers sound super off. Where exactly are you working? The starting salary for most CS jobs in SF/Bay Area is at LEAST 80k. Most of my friends in CS or anything marginally related in the Bay Area make closer to 150 at this point and at least half of them started with 90k+ starting salaries right out of school...I feel like you must be talking about a different part of the country. Although to be fair this study is pretty stupid because it doesn't take into account cost of living. 150k in SF is pretty much 75k in Chicago/Cleveland/Etc.


But why can't two companies exchange goods directly without paying VAT? This would make the famous carousel fraud scam impossible and businesses won't have to deal with complicated refunds. Sales tax in the United States works as you describe. Sales tax is charged only to end customers, not to businesses that themselves charge sales tax. But this means that a criminal business can charge tax and just pocket it unless someone else reports it. They can also evade income tax the same way. Not to mention other issues like cross jurisdiction taxes (e.g. internet sales often evade sales tax). The whole point of a Value Added Tax (VAT) is that they charge at each level. This creates a system where each buyer reports the tax paid to the seller so as to be able to deduct it. So the seller has to pay the VAT that they charged. Or the tax authorities know and can revoke their VAT license. If only the end user is charged tax, then fraud is easier than under a VAT. So easy, I doubt they have a special name for it. The fraudulent business just collects tax from end users and disappears. Or simply fails to record those transactions. You could call it missing transaction record fraud, but why bother? It's just straight up tax fraud. The complexity of the carousel fraud arises from the difficulty of evading a VAT.


"It will count as income, and you can deduct as much of your moving expenses as allowed by tax laws. If you also count it as a reimbursement, then you're double-taxed - once for the income and again by reducing your moving deduction. The ""reimbursement"" amount is designed for when you get literally reimbursed for exact expenses directly, bypassing the tax on that compensation. The only difference will be that you (and your employer) pay FICA and medicare on the ""relocation bonus"" that you wouldn't if you were reimbursed. Also, with a reimbursement you are not incentivized to minimize the cost of your relocation (since it's not your money you're spending). With a bonus, since you get to keep whatever is left over, you have a vested interest in keeping your expenses down."


"My answer is specific to the US because you mentioned the Federal Reserve, but a similar system is in place in most countries. Do interest rates increase based on what the market is doing, or do they solely increase based on what the Federal Reserve sets them at? There are actually two rates in question here; the Wikipedia article on the federal funds rate has a nice description that I'll summarize here. The interest rate that's usually referred to is the federal funds rate, and it's the rate at which banks can lend money to each other through the Federal Reserve. The nominal federal funds rate - this is a target set by the Board of Governors of the Federal Reserve at each meeting of the Federal Open Market Committee (FOMC). When you hear in the media that the Fed is changing interest rates, this is almost always what they're referring to. The actual federal funds rate - through the trading desk of the New York Federal Reserve, the FOMC conducts open market operations to enforce the federal funds rate, thus leading to the actual rate, which is the rate determined by market forces as a result of the Fed's operations. Open market operations involve buying and selling short-term securities in order to influence the rate. As an example, the current nominal federal funds rate is 0% (in economic parlance, this is known as the Zero Lower Bound (ZLB)), while the actual rate is approximately 25 basis points, or 0.25%. Why is it assumed that interest rates are going to increase when the Federal Reserve ends QE3? I don't understand why interest rates are going to increase. In the United States, quantitative easing is actually a little different from the usual open market operations the Fed conducts. Open market operations usually involve the buying and selling of short-term Treasury securities; in QE, however (especially the latest and ongoing round, QE3), the Fed has been purchasing longer-term Treasury securities and mortgage-backed securities (MBS). By purchasing MBS, the Fed is trying to reduce the overall risk of the commercial housing debt market. Furthermore, the demand created by these purchases drives up prices on the debt, which drives down interest rates in the commercial housing market. To clarify: the debt market I'm referring to is the market for mortgage-backed securities and other debt derivatives (CDO's, for instance). I'll use MBS as an example. The actual mortgages are sold to companies that securitize them by pooling them and issuing securities based on the value of the pool. This process may happen numerous times, since derivatives can be created based on the value of the MBS themselves, which in turn are based on housing debt. In other words, MBS aren't exactly the same thing as housing debt, but they're based on housing debt. It's these packaged securities the Fed is purchasing, not the mortgages themselves. Once the Fed draws down QE3, however, this demand will probably decrease. As the Fed unloads its balance sheet over several years, and demand decreases throughout the market, prices will fall and interest rates in the commercial housing market will fall. Ideally, the Fed will wait until the economy is healthy enough to absorb the unloading of these securities. Just to be clear, the interest rates that QE3 are targeting are different from the interest rates you usually hear about. It's possible for the Fed to unwind QE3, while still keeping the ""interest rate"", i.e. the federal funds rate, near zero. although this is considered unlikely. Also, the Fed can target long-term vs. short-term interest rates as well, which is once again slightly different from what I talked about above. This was the goal of the Operation Twist program in 2011 (and in the 1960's). Kirill Fuchs gave a great description of the program in this answer, but basically, the Fed purchased long-term securities and sold short-term securities, with the goal of twisting the yield curve to lower long-term interest rates relative to short-term rates. The goal is to encourage people and businesses to take on long-term debt, e.g. mortgages, capital investments, etc. My main question that I'm trying to understand is why interest rates are what they are. Is it more of an arbitrary number set by central banks or is it due to market activity? Hopefully I addressed much of this above, but I'll give a quick summary. There are many ""interest rates"" in numerous different financial markets. The rate most commonly talked about is the nominal federal funds rate that I mentioned above; although it's a target set by the Board of Governors, it's not arbitrary. There's a reason the Federal Reserve hires hundreds of research economists. No central bank arbitrarily sets the interest rate; it's determined as part of an effort to reach certain economic benchmarks for the foreseeable future, whatever those may be. In the US, current Fed policy maintains that the federal funds rate should be approximately zero until the economy surpasses the unemployment and inflation benchmarks set forth by the Evans Rule (named after Charles Evans, the president of the Federal Reserve Bank of Chicago, who pushed for the rule). The effective federal funds rate, as well as other rates the Fed has targeted like interest rates on commercial housing debt, long-term rates on Treasury securities, etc. are market driven. The Fed may enter the market, but the same forces of supply and demand are still at work. Although the Fed's actions are controversial, the effects of their actions are still bound by market forces, so the policies and their effects are anything but arbitrary."


Although if you count only your data, it would be quite less 10 MB, multiply this by 1 million customers and you can see how quickly the data grows. Banks do retain data for longer period, as governed by country laws, typically in the range of 7 to 10 years. The online data storage cost is quite high 5 to 10 times more than offline storage. There are other aspects, Disaster recover time, the more the data the more the time. Hence after a period of time Banks move the data into Archive that are cheaper to store but are not available to online query, plus the storage is not optimized for search. Hence retrieval of this data often takes few days if the regulator demands or court or any other genuine request for data retrieval.


Is your credit card spending on things outside the categories listed in your question? I generally don't put credit card expenditures in their own category of spending because I'm buying things like gas and groceries, etc. I track all spending whether from my checking account (bill autopay) or credit card account as spending in budget categories, and I just transfer money from my checking account to my credit card account to cover anything that was spent there during the previous month.


Since the market is in general rather efficient, the price of the ETF will most of the time reflects the prices of the underlying securities. However, there are times when ETF price deviates from its fundamental value. This is called trading at a premium/discount. This creates arbitrage opportunity, which is actually being studied in finance literature.


Driver's license isn't relevant. If NYS considers you a part-year resident, they assess income tax on a pro rata basis. NY is broke now, so expect them to be really obnoxious about it if you make a lot of money. California probably has a similar policy. If you really make a lot of money, the demands of the states in these matters are insane. I've read of cases where a state has actually demanded that an individual provide documentation of their in-/out-of-state status for every day of the year!


"Joe Blo Digital Heaven is a name but not an author you see, an author can be researched via simple Google queries. I have found a BOATLOAD of these ""authors"" to have LinkedIn links, Twitter accounts and Fakebook...but ZERO actual credentials so if a garbage of load of fakers can be easily exposed, the ones who don't even list a name could be even more fake"


There are P2P lending sites like prosper.com and lendingclub.com (both have 35K limit) where you can take out a personal loan. Don't expect the rate to be nowhere close to a secured loan like a mortgage or a car loan.


Rules of thumb? Sure - Put down 20% to pay no PMI. The mortgage payment (including property tax) should be no more than 28% of your gross monthly income. These two rules will certainly put a cap on the home price. If you have more than the 20% to put down on the house you like, stop right here. Don't put more down and don't buy a bigger house. Set that money aside for long term investing (i.e. retirement savings) or your emergency fund. You can always make extra payments and shorten the length of the mortgage, you just can't easily get it back. In my opinion, one is better off getting a home that's too small and paying the transaction costs to upsize 5-10 years later than to buy too big, and pay all the costs associated with the home for the time you are living there. The mortgage, property tax, maintenance, etc. The too-big house can really take it toll on your wallet.


I worked there for a year and a half I hope these people find better jobs... it won't be hard it wasn't for me. The way they pay you commission HA now there's something that should be illegal. I got a class action in the mail last month from something they didn't pay us for. $90 I'm not sure what symbolically I can do with he money wiping my ass with it seems too played out. Lambert just saw the opportunity I don't blame him it was a dumpster fire when he got it. I knew there was no future in it before I got the job, I mean who the hell goes to Sears anymore. It's basically a thrift store but dirtier and I'd rather go to a thrift store you might find something cool and different.


I think you're missing Simon Moore's point. His point is that, due to low inflation, the returns on almost all asset classes should be less than they have been historically, so we shouldn't rebalance our portfolio or withdraw from the market and hold cash based on the assumption that stocks (or any other asset) seem to be underperforming relative to historical trends. His last paragraph is written in case someone might misunderstand him, he is not advocating to hold cash, just that investors should not expect as good returns as has happened historically, since those happened in higher inflation environments. To explain: If the inflation rate historically has been 5% and now it's 2%, and the risk-free-market return should be about 2%, then historically the return on a risk-free asset would be 7% (2%+5%), and now it should be expected to be 4% (2%+2%). So, if you have had a portfolio over some time you might be concerned that the rate of return is worsening, but Simon's point is that before you sell off your stocks / switch investment brokers, you should try to figure out if inflation is the cause of the performance loss. On the subject of cash: cash always loses value over time from inflation, since inflation is a measure of the increase in prices over time-- it's a part of the definition of what inflation is. That said, cash holdings lose value more slowly when inflation is lower, so they are relatively less worse than before. The future value of cash doesn't go up in low inflation (you'd need deflation for that), it just decreases at a lower rate, that is, it becomes less expensive to hold- but there still is a price. As an addendum, unless a completely new economic paradigm is adopted by world leaders, we will always see cash holdings decrease in value over time, since modern economics holds that deflation is one of the worst things that can happen to an economy.


Your 5-8 year time frame is interesting because it is actually a two windows. When people are savings for retirement, they tell us how many years or decades they have until they reach retirement age. But they also imply that they are planning on spending decades withdrawing the money. But you wanting the money for a house in 5-8 years are needing the money more like somebody who is saving college money for a teenager. In fact your plan is similar in time frame as a 13 year old has for their college fund; start in 5 years but only have a 4 year spending window. Take the California 529 program: Beneficiary Age 13-14: Beneficiary Age 18+: The funding agreement provides a minimum guaranteed rate of return on the >amounts allocated to it by the Investment Portfolio. The minimum effective >annual interest rate will be neither less than 1% nor greater than 3% at >any time. So you plan of investing 100% in the S&P with your window is way too risky. You should only invest a portion of your down payment in equities, and be prepared to only be in that mode for a few years. Any drop in the market now hurts you, but one just before you need the funds would be devastating.


I've been an F&I Manager at a new car dealership for over ten years, and I can tell you this with absolute certainty, your deal is final. There is no legal obligation for you whatsoever. I see this post is a few weeks old so I am sure by now you already know this to be true, but for future reference in case someone in a similar situation comes across this thread, they too will know. This is a completely different situation to the ones referenced earlier in the comments on being called by the dealer to return the vehicle due to the bank not buying the loan. That only pertains to customers who finance, the dealer is protected there because on isolated occasions, which the dealer hates as much as the customer, trust me, you are approved on contingency that the financing bank will approve your loan. That is an educated guess the finance manager makes based on credit history and past experience with the bank, which he is usually correct on. However there are times, especially late afternoon on Fridays when banks are preparing to close for the weekend the loan officer may not be able to approve you before closing time, in which case the dealer allows you to take the vehicle home until business is back up and running the following Monday. He does this mostly to give you sense of ownership, so you don't go down the street to the next dealership and go home in one of their vehicles. However, there are those few instances for whatever reason the bank decides your credit just isn't strong enough for the rate agreed upon, so the dealer will try everything he can to either change to a different lender, or sell the loan at a higher rate which he has to get you to agree upon. If neither of those two things work, he will request that you return the car. Between the time you sign and the moment a lender agrees to purchase your contract the dealer is the lien holder, and has legal rights to repossession, in all 50 states. Not to mention you will sign a contingency contract before leaving that states you are not yet the owner of the car, probably not in so many simple words though, but it will certainly be in there before they let you take a car before the finalizing contract is signed. Now as far as the situation of the OP, you purchased your car for cash, all documents signed, the car is yours, plain and simple. It doesn't matter what state you are in, if he's cashed the check, whatever. The buyer and seller both signed all documents stating a free and clear transaction. Your business is done in the eyes of the law. Most likely the salesman or finance manager who signed paperwork with you, noticed the error and was hoping to recoup the losses from a young novice buyer. Regardless of the situation, it is extremely unprofessional, and clearly shows that this person is very inexperienced and reflects poorly on management as well for not doing a better job of training their employees. When I started out, I found myself in somewhat similar situations, both times I offered to pay the difference of my mistake, or deduct it from my part of the sale. The General Manager didn't take me up on my offer. He just told me we all make mistakes and to just learn from it. Had I been so unprofessional to call the customer and try to renegotiate terms, I would have without a doubt been fired on the spot.


Well it all depends on where he lives. If its in a younger generation area then yes. If not then no. Normally you should spend like 25 bucks for a few days and see the return rate. I was just writing up a quick thing he can do for major chances.


"> Two Ex-Googlers Want To Make Bodegas And Mom-And-Pop Corner Stores Obsolete ... Weird and unachievable but okay ... > he is launching a new concept called Bodega with his cofounder So he's replacing bodegas with... Bodega? Uhuh. This is getting weirder. > Bodega sets up five-foot-wide pantry boxes filled with non-perishable items you might pick up at a convenience store Oh. Nope. He's just making high tech vending machines. Okay. Nothing to see here. I hate how everything has to be the new Uber. ""We're gonna disrupt the whole industry! We're gonna make <super universal thing> obsolete! We're gonna change the world!"" > McDonald says. “Eventually, centralized shopping locations won’t be necessary, because there will be 100,000 Bodegas spread out, with one always 100 feet away from you.” Shut up McDonald. You're making a high tech vending machine. Will it be profitable? Probably. Is it going to completely revolution the world and eliminate brick and mortar stores across the nation? No. Shut up."


a business cliche gets that way because it is a time-saving referent to a common business concept, procedure, and/or belief. you can learn a lot about the culture of a company or industry from the cliches that it uses. taken out of proper context - nope, they aren't that useful.


It appears that you have bought into the Communist lie. Milton Friedman lats it all out so well. No transaction ever occurs unless both sides in the transaction benefit. Let's say you are out for a walk. While walking you feel hungry. You find two quarters ($0.50) in your pocket. You enter the nearest convenience store and look for a snack cake to buy. You find a Twinky selling for 40 cents. You pay for the Twinky and leave the store while eating it. You also leave with a dime in your pocket. To you the Twinky is worth 50 cents as you would have paid what you had to obtain one. So made 10 cents profit on the deal. The shopkeeper sold his merchandise for 40 cents but it only cost him 25 cents to obtain the Twinky. He made 15 cents profit on the deal. You wanted the snack more than you wanted the money. The shopkeeper wanted the money more than the snack. You both got what you valued more. You both profited by the transaction. That is why Capitalism works. Value (worth) is in the eye of the beholder. Remember: no transaction occurs unless both sides profit. Edit: once again I ask: if you give me a negative vote please explain with a comment.


"Thank you very much for this - an exceptional answer. On a related note, I heard that back in the day when IBM was huge, they actually had manufacturing plants to build parts for other IBM divisions, because those divisions couldn't get what they needed anywhere else. Then one day, a VP asked another VP ""Hey, we make this stuff because nobody else does, right?"" ""Yeah"" ""Which means other companies that need it don't have anywhere to get it?"" ""Yeah"" ""So couldn't they get them from us?"" ""What, like we sell them parts?"" ""Yeah."" ""How would *that* work?"""


Cart's answer is basically correct, but I'd like to elaborate: A futures contract obligates both the buyer of a contract and the seller of a contract to conduct the underlying transaction (settle) at the agreed-upon future date and price written into the contract. Aside from settlement, the only other way either party can get out of the transaction is to initiate a closing transaction, which means: The party that sold the contract buys back another similar contract to close his position. The party that bought the contract can sell the contract on to somebody else. Whereas, an option contract provides the buyer of the option with the choice of completing the transaction. Because it's a choice, the buyer can choose to walk away from the transaction if the option exercise price is not attractive relative to the underlying stock price at the date written into the contract. When an option buyer walks away, the option is said to have expired. However – and this is the part I think needs elaboration – the original seller (writer) of the option contract doesn't have a choice. If a buyer chooses to exercise the option contract the seller wrote, the seller is obligated to conduct the transaction. In such a case, the seller's option contract is said to have been assigned. Only if the buyer chooses not to exercise does the seller's obligation go away. Before the option expires, the option seller can close their position by initiating a closing transaction. But, the seller can't simply walk away like the option buyer can.


i dont think this is the time to make fun of russia or say that theyre doing badly in any cse. theyre just coming out of a huge bottom in their stock chart and theyre gonna have a lot of gowth ahead of them. i think theyre gonn ashow some stromng performance, and this cyber firm as well looks like it could dial in some money from its growth


Someone messed up here. My tax accountant says she is supposed to enter the values as they are on the W2 and CompanyB said they will not issue a new W2 because they were not involved in the refund of the money. Correct. We decided that we will enter a value different from 12b-d, subtract the money that was refunded to me because it's already on the 1099. Incorrect. Is there an alternative to avoid paying taxes twice on the 401k overages? If not, is there a better way to do this to minimize the risk of an audit? You should enter the amounts in W2 as they are. Otherwise things won't tie at the IRS and they will come back asking questions. The amount in box 12-D was deducted from your wages pre-tax, so you didn't pay tax on it. The distribution is taxable, and if it was made before the tax day next year - only taxable once. So if you withdrew the same year of the contribution, as it sounds like you did, you will only pay tax on it once because the amounts were not included in your salary. If the 1099-R is marked with the correct code, the IRS will be able to match the excess contribution (box 12-D) and the removal of the excess contribution (1099-R with the code) and it will all tie, no-one will audit you. The accountant is probably clueless as to how her software works. By default, the accounting software will add the excess contribution on W2 box 12-D back into wages, and it will be added to taxable income on your tax return. However, when you type in the 1099 with the proper code, this should be reversed by the software, and if it is not - should be manually overridden. This should be done at the adjustment entry, not the W2 entry screen, since a copy of the W2 will be transmitted with your tax return and should match the actual W2 transmitted by your employer. If she doesn't know what she's doing, find someone who does.


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And I hope those minimum wage workers get their asses kicked for being scabs. Crossing a picket line is VERY dangerous. Any idiot to do that to get a minimum wage job is just acting stupid. Here in Vancouver when our garbage men went on strike, a few souls were driving around collecting garbage for charity. one day one of them got a call to go to a house, where a few large guys with baseball bats came out. Needless to say he stopped.


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Please given an estimate when can you do this: I want it ASAP. Please advise: solve this fucking problem already. I'm looking into it: I have no idea if I can solve this fucking problem. We need to discuss that: I don't know jack shit about it and afraid to make a decision. We need to coordinate that with John: we need him to work on this, not something else.


What do you mean doesn't allow private entities to attach to the fixtures? Do you mean fixtures like lamp posts etc? This would only be suitable for small cells anyway. Putting a small cell on a rooftop is silly. A roof site would be a full build site with radios, sector antennas, an equipment cabinet or two, and a power/battery cabinet. If you mean attach fixtures to buildings, I don't believe that. Create a business to lease the space. Bob's Rooftop, Inc., etc. Make sure they carry sufficient insurance and that it includes protection for your building against any contractor error (roof damage, accidentally drill something, damage to cosmetic materials, etc), against fire, and basically anything else. I've only seen cell equipment catch fire a couple of times, both of which were the result of lightning strikes. On the other hand, the bank of batteries they use for backup power is pretty big and has more than enough power to do some accidental arc welding. Are they limited to leasing to a single carrier? You need this all spelled out in writing. PM me the name of the vendor if you are allowed to. I don't need the name of the carrier. You don't need to give me too much identifying information, so there is no exposure for you. Are they offering the $350 or are you asking it? I feel like a minimum of $1000 is reasonable. Try to find out what they will be paid by the carrier. You might be able to negotiate something like 65% of the money the carrier pays. Do remember that the vendor does basically nothing other than make the space available. They don't build the site and they don't maintain it.


I'm 40 and been carrying student debt for nearly 20 years. Because of life events and various circumstances I've had to defer several times. This means my balance history looks like a rollercoaster. At this point I just consider the Department of Education to be akin to heroin addiction. I feed it as regularly as I can. It starts to get painful when I can't. It requires an ever increasing amount to get that fix. I'm financially fucked and it's my fault. And one day it'll probably kill me. But I just keep trying. What choice do I have?


Number 3 isn’t as easy as it seems. I interviewed at one place and the manager was affable and happy. He told me he loved his job and the company. After I was there for 4 months I reminded him of this conversation and asked what he liked about the company. He said he lied to me so I would take the position. I left a few weeks after that, but I should have listening to my internal feelings about the company. Be sure to look around at the staff and the environment, even the people you are not interviewing you. Do they look like they are serving time and hope to be released for good behavior? Watch their demeanor and body language they say a lot. Number 5 is very important. I have friends that took jobs that use out of date technology and now they are almost unemployable.


"MLP stands for master limited partnership. Investors who buy into one are limited partners, rather than shareholders, and have their taxable income reported on K-1s, rather than 1099s. MLPs are engaged in businesses (e.g. real estate, natural resources) that generate a lot of cash that doesn't need to be ""reinvested,"" or put back into the company. Because of this feature, the IRS will exempt it from corporate tax if it pays out at least 95% of its income in the form of dividends. The advantage is that you avoid the ""double taxation"" common to most corporations, and get a higher yield as a result. The disadvantage is that the company can't retain earnings for growth, and needs to borrow money if it wants to grow. In this regard, an MLP is much like a utility (except that a utility has to pay corporate taxes, and is otherwise heavily regulated by the Federal and/or state governments). You can look upon an MLP as an unregulated utility. This means that MLPs are most suitable for utility type investors who are more interested in current income, than capital gains. Because they are unregulated, they are riskier than utilities."


"Sue the debt collectors in small claims court. There are several example stories around the internet, but this is a well written one from the consumerist. If your phone is a cell phone: ""it is against the law for a company to leave a pre-recorded message on your cell phone."" In fact, the call frequency increased once they realized they had reached a live person. I called each of these companies multiple times, and though I was given assurances each time that my number would be taken off of their lists, the calls continued, morning, noon and night. At my wits end, I decided the only way to have the harassing calls stop was to file suits against the collection companies. It's very important to understand that it is against the law for a company to leave a pre-recorded message on your cell phone. Armed with this knowledge, I filed suit against several of the collection companies. I filed in small claims court so I did not need to hire an attorney, and the process was as simple as completing a paragraph on a complaint form. For evidence, I had over a hundred Google Voicemail transcripts showing the times the companies called and the text of the pre-recorded messages. Mysteriously, the calls all stopped immediately on the same date the collection companies received the certified letters stating they were being sued. Then a new flurry of calls began pouring in. This time it was their attorneys. The attorneys representing these out of state collection companies were all desperate to settle out of court. hey did not want to incur the expense of traveling for court or hiring a local law firm who wasn't on retainer. They also understood they had no justifiable defense for the calls. To make a long story short, so far I have successfully sued 3 of these collection companies and settled for more than $5,000 out of court. All it cost me was $35 and 20 minutes per suit. Making these companies pay is the only incentive for them to stop their illegal and harassing practices. If more consumers knew their rights and actually took a few minutes to stand up for them, it would become less profitable for these companies to conduct business the way they do now. -Source And whether you have a cell phone or land line, It is illegal for the debt collectors to tell you they are calling to collect a debt for someone else under the Fair Debt Collection Practices Act (wikipedia, ftc docs). What Remedies Are Available If The Debt Collector Violates The Law Under the Fair Debt Collection Practices Act, you have the right to sue a debt collector in state or federal court within one year from the date of the violation. If you win, you may recover damages in the amount of any losses you suffered as a result of the violation, plus an additional amount of up to $1,000.00. You may also be able to recover court costs and attorney fees. If the same debt collector has engaged in unlawful conduct with a number of consumers, it may be possible to find a lawyer who will file a class action lawsuit. -Source With regard to whether you can sue under FDCPA if you are not the debtor, one FDCPA lawyer (take with grain of salt) says yes: Did you know that it doesn't matter if you owe the account the debt collector is calling you about or not? If a debt collector violates the FDCPA (the federal Fair Debt Collection Practices Act, 15 USC 1692 et. seq.) that debt collector could be liable to pay you statutory damages, actual damages, attorney's fees, and court costs. -Source"


The solution to this problem is somewhat like grading on a curve. Use the consumption ratio multiplied by the attendance (which is also a ratio, out of 100 days) to calculate how much each person owes. This will leave you short. Then add together all of the shares in a category, determine the % increase required to get to the actual cost of that category, and increase all the shares by that %.


Maybe we shouldn't be focusing so much on jobs. Jobs are just a means to feed and house oneself in a capitalist society -- and, conveniently, a way for capitalists to make money. So, I am not so concerned about jobs. We can find other ways to make sure people still have food and houses.


No. But you are not splitting the 401(k), the judge is. There is no provision for an employee to simply request funds to give to the ex-spouse. But there is a QDRO, a qualified domestic relations order whereby a judge orders this to occur. The lawyers will be aware of the loans, as will the judge, and will take that into account when splitting the 401(k). Depending on what other money the Ex has, he make be required to pay the loans back, partially, or in full. No one can guess what will happen. The judge will take all aspects of your finances and current earnings into account.


"This article fails to explain that paper gold doesn't ""necessarily"" guarantee the owner to physical gold. An index fund tracking the price of gold per ounce guarantees the owner the market value of gold at the termination of the contract. This keeps markets liquid, and allows investors to diversify into precious metals without the inconvenience of storage and delivery fees. As long as we are using currency that can be exchanged for gold this shouldn't pose a problem. If we move to a post currency world of barter and trade, you're better invested in weapons and ammunition."


In the question you cited, I assumed immediate exercise, that is why you understood that I was talking about 30 days after grant. I actually mentioned that assumption in the answer. Sec. 83(b) doesn't apply to options, because options are not assets per se. It only applies to restricted stocks. So the 30 days start counting from the time you get the restricted stock, which is when you early-exercise. As to the AMT, the ISO spread will be considered AMT income in the year of the exercise, if you file the 83(b). For NQSO it is ordinary income. That's the whole point of the election. You can find more detailed explanation on this website.


Yes, you are the proprietor of the business and your SSN is listed on Schedule C. The information on Schedule C is for your unincorporated business as a contractor; it is a sole proprietorship. You might choose to do this business under your own name e.g. Tim Taylor (getting paid with checks made out to Tim Taylor) or a modified name such as Tim the Tool Man Taylor (this is often referred to as DBA - Doing Business as), under a business name such as Tool Time etc. with business address being your home address or separate premises, and checking accounts to match etc. and all that is what the IRS wants to know about on Schedule C. Information about the company that paid you is not listed on Schedule C.


The thing is Spain really isn't like Greece and their financial crises are fundamentally different but unfortunately interconnected. Greece's issue is too much sovereign debt and a banking sector that lent far too heavily to their own government. Spain's problems derive from a private banking sector crisis as they over lent particularly to fund an insane property boom that went really really bad really quick. The root cause is far more akin to the US crisis than the Greek one, however being caught up in the Eurozone and having banks exposed to the debt of other nations has really fucked them over in terms of borrowing and debt to gdp ratio. Spain was one of the few Eurozone nations that stuck to the max 3% og GDP borrowing rule, not even Germany stuck to that, they were fiscally responsible. Then having to provide a huge bailouts to a financial sector, as the economy was tanking from the global recession amd the bubble bursting and a crisis emerging in other EU nations (and a lack of a central bank) has been their ruin.


"You're welcome to throw in the towel and stop paying any time you want. You'll just suffer the consequences of doing so. It sounds like you're concerned about losing your job ""in the next few years."" What are you doing to stem this off? Are you building up a side income? Are you building up portable skills -- ones that can be used anywhere? If you think you have a few years left, use them. Build something up. You may be able to recover more quickly, or last longer until you find a new job. Some of my blogging friends have been at it about as long as I have, and they're in high-five, low-six figures now. For blogging. Some did it even faster. All it takes is time. Your expenses for starting a blog are $10/month plus cutting out two hours of TV / drinking / anything else consumer-ish to learn more about your favorite interest, write about it, and interact with the online community. That's just one idea. Season to taste or choose a different meal altogether. Are you frugal? Are you looking for ways to cut expenses? If you can find extra money to save a little bit more and knock out just one of those debts (say, the car), you'll be able to throw that payment at the student loan. Then they'll both be gone, and you can save up a cushion for yourself faster. I just think it's a little weak to give up when you're not really in trouble yet. You're tight, but you can get through that."


If you plan to continue contributing to a 401(k) and are no longer self-employed, then you need to start a new 401(k) at your new business. You can't contribute to the old one any more. About the money in the old one, you have a few options. If both 401(k) plans have good investment options and low fees, then there's little reason to think one of these strategies is better than the other. If, like me, at least one of your 401(k) providers has very few available funds and those funds have high expense ratios, then it's a good idea to move your money where the investments are best. As a rule, IRA's are better than 401(k) plans because most IRA's will allow you to invest in practically anything you want while most 401(k) plans only allow you to invest in the funds that have taken your company's HR people to the best lobster dinners or went to the same school as them. Most organizations do an absolutely horrible job at selecting a reasonable set of funds because the decision-makers generally have no finance background and no incentive to do a good job. For that reason I like IRA's. Of course, some solo 401(k) plans are also very good so just leaving it where it is may be best for you. This has the added advantage of being ready to go if you end up self-employed again at some point.


This may be best handled by an expert. Look for somebody recommended by a church, homeless shelter, food pantry, office of unemployment, office of disability, or Veterans services to advise you on maximizing support for your father. You want to know what type of help you can give without causing the overall level of support to drop. You may even find there are other avenues of assistance.


Why not talk about services? Why should I pay more for services. It's not like more income means I use the roads and bridges more. More income doesn't mean more kids that need public education. More income doesn't mean I use fire services more. If you ask me, I'd rather people just pay for the services they use. Have kids? Then you pay for their school. Drive 60 minutes to work, then you pay more than someone that drives 10 minutes. That's seems fair.


Short-term, the game is supply/demand and how the various participants react to it at various prices. On longer term, prices start to better reflect the fundamentals. Within something like week to some month or two, if there has not been any unique value affecting news, then interest, options, market maker(s), swing traders and such play bigger part. With intraday, the effects of available liquidity become very pronounced. The market makers have algos that try to guess what type of client they have and they prefer to give high price to large buyer and low price to small buyer. As intraday trader has spreads and commissions big part of their expenses and leverage magnifies those, instead of being able to take advantage of the lower prices, they prefer to stop out after small move against them. In practise this means that when they buy low, that low will soon be the midpoint of the day and tomorrows high etc if they are still holding on. Buy and sell are similar to long call or long put options position. And options are like insurance, they cost you. Also the longer the position is held the more likely it is to end up with someone with ability to test your margin if you're highly leveraged and constantly making your wins from the same source. Risk management is also issue. The leveraged pros trade through a company. Not sure if they're able to open another such company and still open accounts after the inevitable.


Real estate is never a low-risk investment. I'd keep your money in the bank, and make sure that you don't have more in any one bank than is guaranteed in the event of bank failure. If your bank account is in Greece, Italy, Spain, Portugal or Ireland, I'd consider moving it to Eurozone country that's in better shape, as there's just a slight possibility of one or more of those countries exiting the Eurozone in a disorderly fashion and forcibly converting bank accounts to a new and weak currency.


"First, congratulations on the paycheck! :-) On the holds: Is it possible that by allowing your account balance to go negative (into overdraft) that you triggered such treatment of your account? Perhaps the bank is being more cautious with your account since that happened. Just how long did you have their $150 on hold? ;-) Or, perhaps it's not you specifically but the bank is being more cautious due to credit conditions that have been prevalent these last years. Consider: allowing you to cash a check immediately – when it technically hasn't cleared yet – is a form of credit. Maybe it isn't you they don't trust well enough yet, but the company that issued the check? Checks bounce, and not by fault of the depositor. I once had a new account, years ago, and discovered a 5 day hold on deposits. The irony was it was a check drawn on the same bank! I called my banker and asked about it – and suggested I'd take my business back to my old bank. I was in the process of applying for a mortgage with the new bank. Holds were removed. But you may have some trouble with the ""I'll walk"" technique given the climate and your recent overdraft situation and no leverage – or if you do have some leverage, consider using it. But before you assume anything, I would, as JohnFx suggested, ask your bank about it. Pay your branch a visit in person and talk to the manager. Phone calls to customer service may be less successful. If it's not a big issue and more a minor technical policy one, the bank may remove the holds. If they won't, the manager ought to tell you why, and what you can do to solve it eventually."


I stopped paying that $1000/year charge for cable seven years ago. Today I watch about an hour of television a week. Some weeks I will watch one sports game. Meanwhile I've been able to spend on the order of $10,000 for healthier, more productive activities. I've noticed that people don't talk about what they watched on television much anymore, so I'm not missing out on social interactions.


No ETN or ETF yet. There are beta funds, that aim to track the market. What's really needed is a liquid market for cat risk trading/transfer, enabling users to buy protection, or take the other side. You can write cat swaps, so derivative forms, including ILW's or with parametric triggers. But these aren't liquid at all yet. Cat bonds are most liquid, but it dries up pretty quickly when events threaten as there's no true hedging market yet.


Do you use any other online features of Quicken? How many unique ticker symbols do you have? How often do you really need to update the prices? You can always continue to use Quicken, and enter the stock prices by hand. Maybe update them once a month to get an idea of how your investments are doing. That should work indefinitely.


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Flame broiled, put in a plastic tin, and then tossed into a microwave to warm up when ready to serve. Watch them make your burger next time if you can. Seeing the sausage being made turned me off of BK burgers for a long while.


I'm a long way from an expert on this, but it seems to me you can loan your fiance enough money to pay off her loans, and that incurs no tax penalty. When you are married you can write off the loan without a tax penalty since she is your spouse. I would expect that you can reclassify a gift as a loan for a tax year you haven't yet filed for - or she can give you the money back and you immediately make her a loan for the same amount. As the comments and this question would indicate, a loan at below an approved rate would be considered a gift. However you do appear to be able to loan her the money at an approved rate, and gift her the interest payments, which should be less than the gift tax limit. You would need to write up a loan document. Once you are married you should be able to make another gift to pay off the loan.


The big websites, Yahoo and the like, only give the 10 biggest positions of any fund. Download the annual report of the fund, go to page 18, you will find the positions on the 31st of December. However the actual positions could be different. The same applies to all funds. You need the annual report.


That interest rate (13%) is steep, and the balloon payment will have him paying more interest longer. Investing the difference is a risky proposition because past performance of an investment is no guarantee of future performance. Is taking that risk worth netting 2%? Not for me, but you must answer that last question for yourself. To your edit: How disruptive would losing the car and/or getting negative marks on your credit be? If you can quantify that in dollars then you have your answer.


For example, if the Dow, S&P 500, NASDAQ are all down does that necessarily mean the Canadian stock will get negatively impacted? Or is it primarily impacted by the Canadian market? The TWMJF stock makes up a very small part of the Canadian market so it affects the overall market, but this doesn't mean that the overall market affects this stock. So then the answer is: no, the TWMJF stock price will not necessarily follow either US or Canadian market indexes. However, there can be major events which can affect the markets, including the stocks which make up the markets. TWMJF will probably be more sensitive to Canadian events than US events.


What prevents a company from doing secondary public stock offerings on regular basis? The primary goal of a company doing secondary public offering is to raise more funds, that can be utilized for funding the business. If no funding is needed [i.e. company has sufficient funds, or no expansion plans], this funding creates a drag and existing shareholder including promoters loose value. For example with the current 100 invested, the company is able to generate say 125 [25 as profit]. If additional 100 is taken as secondary public offering, then with 200, the company should mark around 250, else it looses value. So if the company took additional 100 and did not / is not able to deploy in market, on 200 they still make 25 as profit, its bad. There are other reasons, i.e. to fight off hostile acquisition or dilute some of promoters shares etc. Thus the reasons for company to do a secondary PO are few and doing it often reduces the value for primary share holders as well as minority share holders.


"Ok. You also had a wife/girlfriend. What about the single parents? I guess in your eyes if they can't juggle raising a child, holding down their full time job, taking public transportation, and going to school full time, they're just not working hard enough. Or clearly not as hard as you did. Sorry man. No. I guess we just disagree, but many people really are just in a position where they are unable to better their lives. Simply saying, ""this is important to me"", sadly, is not always enough to ""make it work""."


"Not to detract from the other answers at all (which are each excellent and useful in their own right), but here's my interpretation of the ideas: Equity is the answer to the question ""Where is the value of the company coming from?"" This might include owner stakes, shareholder stock investments, or outside investments. In the current moment, it can also be defined as ""Equity = X + Current Income - Current Expenses"" (I'll come back to X). This fits into the standard accounting model of ""Assets - Liabilities = Value (Equity)"", where Assets includes not only bank accounts, but also warehouse inventory, raw materials, etc.; Liabilities are debts, loans, shortfalls in inventory, etc. Both are abstract categories, whereas Income and Expense are hard dollar amounts. At the end of the year when the books balance, they should all equal out. Equity up until this point has been an abstract concept, and it's not an account in the traditional (gnucash) sense. However, it's common practice for businesses to close the books once a year, and to consolidate outstanding balances. When this happens, Equity ceases to be abstract and becomes a hard value: ""How much is the company worth at this moment?"", which has a definite, numeric value. When the books are opened fresh for a new business year, the Current Income and Current Expense amounts are zeroed out. In this situation, in order for the big equation to equal out: Assets - Liabilities = X + Income - Expeneses the previous net value of the company must be accounted for. This is where X comes in, the starting (previous year's) equity. This allows the Assets and Liabilities to be non-zero, while the (current) Income and Expenses are both still zeroed out. The account which represents X in gnucash is called ""Equity"", and encompasses not only initial investments, but also the net increase & decreases from previous years. While the name would more accurately be called ""Starting Equity"", the only problem caused by the naming convention is the confusion of the concept Equity (X + Income - Expenses) with the account X, named ""Equity""."


Thank you for the input. I was more interested in a MBA so I was wondering how it would fair in the finance world? Also I was wondering what you meant by it has little practical application in business but it is the best major to acquire well rounded skills in that area? Do you mean it's good but at the same time it's not?


And I don't blame them for doing so. They get bonuses based on the bottom line and stock price, why not pump it as much as they can then when it starts to fall apart just go to another overpaid CEO position with another company start again, meanwhile someone else is more than willing to take the current overpaid CEO job and try to rescue/rebuild. Nowadays most CEO's didn't start the company they are at so they don't feel as attached as they should. Knowing this the only thing we can do make ourselves invaluable to the company so they have to give you more or go someplace that will.


No fees: Write a check. Deposit it into the other bank.


While I am not an advocate of shorting anything (unlimited downside, capped upside), you can:


It's kinda scary. Ma Bell was broken up and now we might end up with it again -- but this time with cable companies in the mix too. Given the current regulatory environment, that merger will probably happen. Doesn't bode well for us consumers.


Have you not noticed how the price of things like milk and beef in the grocery stores have been going up? And for a lot of other things, if the price has not overtly risen, the portion/package size has gotten smaller while the price has remained the same. Maybe somebody else does the food shopping in your family so you are just oblivious to it...but trust me...food has been getting more expensive for a while now.


No doubt, that today the wide range of anti-aging products is available as all people wants to keep their skin free from all the signs of aging. But, among all the products, Gerovital has gain more popularity because of the results it has been given to the people.


The best way to determine how much it will cost you is to call the insurance companies to get a quote from them for all the vehicles that you are planning on purchasing. They will have a set amount depending on the year/make/model of the car combined with all your personal details like where you live, age, sex, occupation. There are many online sites where you an get quotes as well, though talking with a rep may be the better option since you have a lot of questions. If you are still living with your parents, you may be able to get a cheaper rate with that company as you might qualify for a multi-vehicle discount or combined property/vehicle insurance with them. You might also be able to get a better rate since you were probably insured as a secondary driver with that company for several years. The cost of your auto insurance will depend also on what type of premium you choose. For instance, it will be cheaper if you opt to only purchase 3rd party liability insurance (which only covers the cost of repairing the 3rd party's vehicle - ie the person you hit). You may also get discounts for having certain (optional) safety equipment/options - like snow tires. You will need to have your insurance purchased and sorted out before you are able to drive your car out of the dealership. For a male with ~10 years driving experience and a clean record. You could probably find something good for about $120 a month. Of course, this depends on the many factors listed above.


Indian PF is a social security scheme, and as per the US India DTAA Article 20, is not taxable by the US. The exact text says as under - This clearly states that any social security benefit paid by any of the two contracting states to a resident of the other contracting state is taxable only in the first mentioned state. In other words, US cannot tax Indian social security benefits (and vice versa). Therefore, you are liable for taxes only in India even though you have to declare to the US that you were given the social security (PF) benefit by India.


Well they do have incentive, the more volume you trade the more they make in commission. The shop is mostly daytrading oriented but you can do whatever you want. From what I gather, alot of their revenue comes in the form of training programs (although they offer one for free when you sign up, mostly in equities) which are completely optional. Also, they're willing to sponsor me for my 7, which is good. I mean this is a super risky career move but you roll the dice when you enter prop trading, in more ways than one.


"> I just recently found out that you guys had pledge of allegiance every fucking day in school. :) Yeah. In fairness, they can't actually force you to say it, and I don't think most schools say it any longer. I remember saying it when I was in kindergarten. But when I transferred back to public school in the 4th grade, they no longer said it. In retrospect, that's a hell of a commitment to expect from a 6 year old, ""I pledge allegiance to the flag of the United States of America..."" Fuck that."


I have no idea what you're talking about, but for context, Amazon employee badges are blue. The point is that as far as employment status is concerned they're more or less on par with corporate. (There are lots of caveats to the above statement but the general case holds.)


As far as taxes are concerned, if your income is €10 to €20 a month, the Finanzamt doesn't even want to hear from you. To be on the safe side, give them a call and you will probably be told that there is a minimum amount, and if your revenue is below that you don't have to do anything. As far as VAT (MwSt) is concerned: You can only deduct it from VAT that you would have to pay to the government. If you are supposed to pay €100 VAT to the government, you can deduct up to €100 VAT paid to suppliers. If you don't pay VAT, you can't deduct it.


We're on the Business subreddit here, right? Just checking, because most of the comments are against Netflix & Weed. From a business standpoint, both the show and this new wave of Netflix inspired strains is genius marketing - going with a successful new niche/sector is always a smart move. Am I missing something?


I'm proud to say I'm a foreclosure defense attorney. I give these banks one hell of a hard time on behalf of my clients. I was shocked how outrageous the abuses were when I first started. The headlines don't seem real until you start digging through actual paperwork and interviewing clients.


You just take some of that change and use it when paying in cash. When you run out of change in your purse/pockets - take more. It just takes some time and absolutely no effort.


"This is the best tl;dr I could make, [original](http://www.politico.com/interactives/2017/senate-gop-health-care-bill-rich-americans/) reduced by 72%. (I'm a bot) ***** > The latest Congressional Budget Office analysis of the Senate&#039;s revised health care bill won&#039;t be available until next week, but the overarching trend of the three GOP plans analyzed so far is clear - more Americans will be uninsured and the majority of them will be poor. > Researchers analyzed the uninsured rate by state and found states that experienced the largest coverage gains under the Affordable Care Act would now report the largest increases in their uninsured population. > That means states like West Virginia will essentially lose all the coverage it gained under the ACA. Proposed cuts to Medicaid will leave millions of low-income Americans without health insurance Under the Senate health bill, federal funding for Medicaid would largely dry up, leaving states struggling to make up the difference. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6nfw8g/richest_americans_gain_the_most_from_the_senates/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~167398 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **state**^#1 **Medicaid**^#2 **uninsured**^#3 **bill**^#4 **under**^#5"


If you don’t want your high-end rest house to just sit around for most of the year, only to be used during one of your rare, out-of-town family vacations, you might as well earn a profit out of it by turning it into a guesthouse.


"Tax cost basis is the amounts you've spent on developing the product which you hasn't deducted yet from previous income. From what you've described, it sounds like your cost basis is $0. Time you spent is not your cost, since time is not money. The fact that you might have earned something if working at that time but you didn't - is irrelevant, because potential income that you didn't get is not a loss that you took. Someone mentioned ""intangibles"" in the comments - that would be the line of thought of the buyer. However, since you didn't buy the product but rather developed it, you can only deduct the actual expenses you've incurred, that you haven't deducted so far."


To search sold homes in your neighborhood and run a current market analysis (CMA) to get an idea of what your home will sell for register for a free listingbook account with SearchSocalRealEstate.com to gain free, unlimited access to the official MLS database.


Admittedly I was starting to form a similar opinion as lazerpants. It seems like the sales team spends most of their time going drinking and golfing with customers or potential customers. I am sure there must be more to it than that, but their conversations would also suggest that their job performance is largely about who they know and less about real talent. It could be just what I hear, though. Maybe they don't like to showcase their talents. I have no complaints about my job, company environment, management, salary, etc.


I've found the systems that seem to work. Firstly, you need to find how much money is required to pay for the withdrawals after retirement, while still accruing interest. I couldn't seem to do this with an equation, but this bit of javascript worked: yearsToLast: Number of years of yearly withdrawals yearlyWithdrawal: Amount to withdraw each year interest: Decimal form of yearly compounding interest Now that we have how much is required at the beginning of the retirement, to figure out how much to add yearly to hit this mark, you'd use: amount: Previously found required amount to reach interest: Decimal form of yearly compounding interest yearsSaving: Number of years saving till amount needs to be hit I hope this helps some other poor soul, because I could find squat on how to do this. Max


From my experience, I opened a business account to handle my LLC which owns a rental property. The account process and features were similar to shopping for a personal checking account. There would be fees for falling below a minimum balance, and for wanting a paper statement. In my case, keeping $2000 avoids the fee, and I pull the statements online and save the PDFs. Once open for a certain amount of time, you might be able to get credit extended based on the money that flows through that account. The online access is similar to my personal checking, as is the sending of payments electronically.


"This is the best tl;dr I could make, [original](https://www.cnbc.com/2017/10/24/petro-yuan-china-wants-to-dethrone-dollar-rmb-denominated-oil-contracts.html) reduced by 78%. (I'm a bot) ***** > The new strategy is to enlist the energy markets&#039; help: Beijing may introduce a new way to price oil in coming months - but unlike the contracts based on the U.S. dollar that currently dominate global markets, this benchmark would use China&#039;s own currency. > China is the world&#039;s top oil importer, and so Beijing sees it as only logical that its own currency should price the global economy&#039;s most important commodity. > Beijing faces skeptical global oil markets and global perceptions it exerts too much state control. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/78jgzk/china_has_grand_ambitions_to_dethrone_the_dollar/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~234455 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **oil**^#1 **global**^#2 **dollar**^#3 **price**^#4 **market**^#5"


My approach won't work for everyone, but I keep a longer list of things I want in my head, preferably including higher value items. I then look at the cost of an item vs the amount of benefit it gets me (either enjoyment or ability to make more money or both). If I only had a few things I wanted, it would be easy to buy them even if the payback wasn't that great, but because I have a large list of things I'd like to be able to do, it's easier to play the comparison game in my head. Do I want this $50 thing now that will only give me a little bit of enjoyment and no income, or would I rather be able to get that $3000 digital cinema camera that I would enjoy having and could work on projects with and actually make money off of? (This is a RL example that I actually just bought last week after making sure I had solid leads on enough projects to pay myself back over time.) For me, it is much easier to compare with an alternative thing I'd enjoy, particularly since I enjoy hobbies that can pay for themselves, which is really the situation this strategy works best in. It might not work for everyone, but hobbies that pay for themselves can take many different forms. Mine tends to be very direct (get A/V tool, do projects that pay money), but it can also be indirect (get sports stuff, save on gym membership over time). If you can get things onto your list that can save you money in the long run, then this strategy can work pretty well, if not, you'll still have the overall saving problem, just with a longer wish list. That said, if you are good about saving already and simply want to make better use of your disposable income, then having a longer list may also work to let you seek out better deals for you. If you have funds that you know you can healthily spend on enjoyment, it is going to be difficult to choose nothing over something that gives enjoyment, even if it isn't a great return on the money. If you have alternatives that would give you better value, then it's easier to avoid the low value option.


Wikipedia has a fairly detailed explanation of ETFs. http://en.wikipedia.org/wiki/Exchange-traded_fund


i'm down on Water street a few weeks ago and i got a really random craving for a big mac, first time in a very long time. i put mcdonalds in my phone to find the closest one, and i was stunned to see there wasn't one in the area. crazy stuff.


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Being able to make small investments in very valuable real estate could make this a game changer. I want to invest in a skyscraper in the UAE, but I only have $10k. I can just use REAL tokens to buy a percentage of that property. At least, that's the way I understand this to work.


Phil Wombwell is a best business development advisor in USA. He also establishes his finance brokerage company in Dubai for better services. Phil has enough experience to take a better decision for any kind of business proposal as well as investment deals.for more visit http://mercurypartnerships.com/our-team/


The point of insurance is to trade high variable costs for much lower fixed costs. The question isn't whether you can afford what would be a catastrophic event for anyone else, but whether it would be better to pay a small amount regularly vs. a possibly larger amount occasionally. One of the reasons to buy insurance is to avoid costly litigation (rich people are more frequently targeted for litigation). By purchasing liability insurance, the insurance company pays for the litigation and/or settlement. If you are wealthy enough to keep an experienced litigation firm on retainer, you may not need that benefit, but it might be worth giving that stress to a third party. Life insurance is also an important part of estate planning because of the tax treatment of insurance payouts compared to the tax treatment of a large estate. There are certainly classes of insurance that make less sense for those with great cash flow, but money doesn't obviate all the benefits of insurance.


Looks like you mostly have it right, a few comments on your points.


Kind of crazy to discontinue a rate so soon without having a replacement identified but i, for one, think some market based alternative is a definitely a good thing. The LIBOR scandal further damaged the public view of the banking profession, and rightly so


"This simulation game uses actual historical S&P 500 data to test whether you can ""time the market."" You start with $10,000 invested, and it plays back 10 years of index values, in which time you can choose to sell (once), and if you do sell you can subsequently buy (once). Then you find out how you did relative to just holding what you started with. If you play it enough times, you might eventually beat it once. I never did."


It is probably hard to give much credit to the short 2 year reaction. The first business reaction is to protect and maintain profits. In a longer term, this may not be sustainable and some profits, ideally, will have to be forgone to give workers a descent wage as the hike intends.


It's about how volatile the instrument is. Brokers are concerned not about you but about potential lawsuits stemming from their perceived inadequate risk management - letting you trade extremely volatile stocks with high leverage. On top of that they run the risk of losing money in scenarios where a trader shorts a stock with all of the funds, the company rises 100% or more by the next day, in which case the trader owes money to the broker. If you look in detail you'll see that many of the companies with high margin requirements are extremely volatile pharmaceutical companies which depend heavily of FDA approvals.


Mr. Raphael Lilla acts as the Executive Director of SBC Group AG Bouchs (Switzerland). With an experience of over 20 years in the Swiss and International financial markets, Mr. Lilla has successfully been honoured with a role of a member at the International Society of Business Leaders.


why not ask a fee only financial adviser? Contact a local adviser and ask how much they will charge to work through the process. The options aren't as complex as they seem. The general idea is to first figure out what you can afford each month. This is a generally straight forward calculation. Then figure out the costs that are specific to your area, e.g property taxes. Figure out how much of a down payment /closing costs you can gather. Then start with your local bank or credit union. The number of options for mortgages will not be as complex if you already know how much you can afford and how much cash you can bring to the transaction. A simple table can be easily created based on what you can afford each month, how much cash you have, and the rates currently available. The bank will have a way to estimate the costs of each option as part of the required disclosures. Another source of good info can be a highly regarded local real estate agent. Focus on one that will represent you as a purchaser. They want you to be able to buy a house. While they do have a bias, they want a commission, most of it is eliminated if you know how much you can afford before you meet with them. They will know all the government programs that can make the monthly costs or closing costs cheaper.


"That's true. But you post a picture of a kitten to Google, and 99.99% of the time Google will identify it as a kitten. You'll never reach 100%. That's why it's an ignorant argument. No model is 100% accurate. No one argues that. But when people say ""correlation doesn't imply causation"" they are really just saying ""no model is 100% accurate"". And any idiot could say that."


"You can start investing with any amount. You can use the ShareBuilder account to purchase ""partial"" stocks through their automatic investment plan. Usually brokers don't sell parts of stock, and ShareBuilder is the only one allowing it IMHO using its own tricks. What they do basically is buy a stock and then divide it internally among several investors who bought it, while each of the investors doesn't really own it directly. That's perfect for investing small amounts and making first steps in investing."


I'm not supporting either one of these representatives of money and power. They basically represent two sections of the ultra-wealthy who have opposing viewpoints on how fast to screw over working people and to lower our standard of living. Obama thinks it should be done slower than Romney, but ultimately agrees. See what happens when we pass over the fiscal cliff. It's gonna be shared sacrifice time, and by shared they'll mean its time for our social services to go bye bye just at the time when the wealthy are better off than ever and the corporations are sitting on $2T in cash and not using it to hire.


"To be fair, this isn't just marijuana. Heroin and meth are big problems some places. For example, oil workers in remote areas have a tendency to have meth issues. That's a big problem. The other issue is that with drugs like marijuana, it can be difficult to tell if someone is high. Yes, marijuana is basically on the same level as alcohol, but it's easier to tell when someone is drunk vs when they are high (if they're covering up odor). In factory or field jobs, being able to tell someone is drunk or high is important. If you can tell someone is drunk, you send them home. If you can't tell that Mike went and got stoned because he doesn't smell like it, doesn't have red eyes, etc., he can still kill someone because his performance is affected. It's not as simple as ""marijuana is on the same level as alcohol"" because yeah that's true, but there are differences and those differences can lead to expensive and problematic workplace injuries. Those ""antiquated CEOs"" are probably right on this one. It's not as simple as you make it out."


"The effect of making a single purchase, of size and timing described, would not cause market disequilibrium, it would only hurt you (and your P&L). As @littleadv said, you would be unlikely to get your order filled. You asked about making a ""sudden"" purchase. Let's say you placed the order and were willing to accept a series of partial fills e.g. in 5,000 or 10,000 share increments at a time, over a period of hours. This would be a more moderate approach. Even spread out over the span of a day, this remains unwise. A better approach would be to buy small lots over the course of a week or month. But your transaction fees would increase. Investors make money in pink sheets and penny stocks due to increases in share price of 100% (on the low end), with a relatively small number of shares. It isn't feasible to earn speculator profits by purchasing huge blocks (relative to number of shares outstanding) of stock priced < $1.00 USD and profit from merely 25% price increases on large volume."


There is no requirement to open a company. You can work as freelancer. You need to report income and file returns. If your income is more than exempt limit, pay taxes. Apply for a PAN number if you don't have one yet.


To me, having a business with interests around the globe doesn't necessarily make you ideologically a globalist. There's a big difference between having created a company with global interests in other countries and enacting globalist policies through legislature. Owning a hotel in Mexico and pushing for open borders are two separate things.


Whomever made the decision to ditch Google Maps for Apple Maps should be canned. There's no way Apple could catch up to Google in its maps product this quickly. My feeling is someone high up made the call as a result of the grudge forming against Google.


Our company provides the different types of online services, such as flights booking, hotels booking, tours and travel booking. If you want to go Sydney for your next vacation with your family, then you can book your next tour and Hotels in Sydney at our company website. In the Sydney, Shorelines are a famous draw, including any semblance of Bondi Beach. Bondi's Campbell Parade is a bustling region both day and night, and shops, bistros, and bars line the beachfront.