First, it's not always the case that ETFs have lower expenses than the equivalent mutual funds. For example, in the Vanguard family of funds the expense ratio for the ETF version is the same as it is for the Admiral share class in the mutual fund version. With that in mind, the main advantages of a mutual fund over an equivalent ETF are: From a long-term investor's point of view, the main disadvantage of mutual funds relative to ETFs is the minimum account sizes. Especially if the fund has multiple share classes (i.e., where better classes get lower expense ratios), you might have to have quite a lot of money invested in the fund in order to get the same expense ratio as the ETF. There are some other differences that matter to more active investors (e.g., intraday trading, options, etc.), but for a passive investor the ones above are the major ones. Apart from those mutual funds and ETFs are pretty similar. Personally, I prefer mutual funds because I'm at a point where the fund minimums aren't really an issue, and I don't want to deal with the more fiddly aspects of ETFs. For investors just starting out the lower minimum investment for an ETF is a big win, as long as you can get commission-free trades (which is what I've assumed above.)


"The answer depends on what is your portfolio's objective. If you are operating a multi-asset class portfolio (i.e. your portfolio has both bonds and stocks) and are targeting absolute returns, then yes, comparing a stock's beta (or correlation) to a bond benchmark makes sense. What you do with this stock's ""bond beta"" information further depends on what kind of return profile you want your multi-asset class portfolio to have. If you want stocks that appreciate in price when bond prices decline, then of course you want to buy ""negative bond beta"" stocks. If you are operating a purely relative equity portfolio (i.e. you are benchmarked to the stock market), then comparing the ""bond beta"" is of little use to you. Hope this helps."


> In other words, the company's operating assets function as a kind of piggy bank whose purpose is to extract profits that are then flushed out to shareholders. This is the sad fate of essentially all mature businesses under the conditions of American financial capitalism and, indeed, Whole Foods' executive team — led by its founder John Mackey — has been under intense pressure recently from an activist hedge fund that bought shares and has been agitating for cost cutting and more payouts. No shit. If an investor can't make a return from an increasing stock price (whole foods is flat or worse, trading at 50% of peak before Amazon closed) then then the stock must pay a dividend or nobody wants to hold it because it's a losing asset.


Yes, it can buy back the call, but much before stock hits the $30 mark. Let us say you got 1$ from selling the call. So the total money in your account is 4$ + 1 $ = 5 $. When stock hits 10$ (your strike), the maintenance margin is 5$. As soon as stock goes past 10, your maintenance margin is violated. So broker will buy back your call (at least IB does that, it does not wait for a margin call). Now if the stock gapped up from 8 to 30,then yes, broker will buy it back at 30, so your account will have a negative balance. Assume the call cost 20$ when stock hit 30, your balance is: 5 - (30-10) = -15. Depending on broker, I suppose they will ask you to bring your account balance back up to positive. If they don't do that, they risk going out of business.


If you withdraw the money, regardless of how small the balance is, the IRS will still insist you pay a 10% penalty when you file your taxes (assuming you're under 59 1/2). Your 401K plan provider might have a policy that allows you to avoid the usual automatic withholding. You should check with them. $600 in additional income isn't likely to move your tax bill much, unless you're really close to a boundary in the tax brackets. Rather than withdrawing the money, you can transfer the 401K to your next 401K, or roll it over to an IRA (plenty of no-fee options around). Once in a traditional IRA, you can convert the money to a Roth IRA. You pay the taxes on the amount, but no 10% penalty. Converting to a Roth has eligibility rules. You should double check with your financial institution before doing it. Edit: You can withdraw without the 10% penalty if you leave your job after age 55 (credit to @JoeTaxpayer for the correction). This IRS Page lists the conditions under which the penalty can be avoided. Edit: The original question has been edited to add more background details. Due to OP's investment preferences, I would also recommend that he simply withdraw the funds, pay the taxes and the $60 penalty and put the $500 or so dollars somewhere else.


It's wrong to think that we can pay people in the public sector fuck all but still get good results. If offering perks to public employees attracts talent that eventually leads to great public works, great! Hopefully unions can find the right balance of perks and boondogles.


Simply put, that's not allowed. Outside a retirement fund, they simply do not provide a mechanism to pay that expense ratio separately. Ergo, any effort to pay that expense ratio would be classified as a new/additional purchase of the fund. You now must deal with Inside a retirement fund, paying the expense ratio of the fund with cash would be treated as an additional contribution, which may then violate contribution rules (such as going over your contribution limit, or contributing past age 70-1/2).


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"Most people think gasoline = oil. A title reading ""US now exports more refined products than it imports"" wouldn't sound as good would it? There is nothing wrong with my reading comprehension but have a nice day whoever you are. p.s. your comment history is the creepiest thing I have ever laid eyes on"


"Most comments here seem to be folks who didn't read the article, haven't been to a Taco Bel in awhile, or don't know what fast food ""healthy"" options are. If you go during breakfast, or build a meal in their app in later hours you can make a pretty damn balanced meal. I'll commonly order a wrap with rice, black beans, guacamole and grilled chicken. I'm not aware of anything near that balanced at mcdonalds, and it would likely be more expensive. My biggest complaint is that when they debuted their new app there were new coupons every week or so, but after a couple months there's hardly ever new offers, sometimes none at all. :-( Funny thing, the common offer I get is a discount off something like a $12 purchase... but no one in the office wants Taco Bell, would rather get a Five Guys burger ""than eat something gross"". It seems Taco Bell has a lot to live down, I think they should advertise their fresco and vegatarian stuff more often and better."


Activist investors can control as little as 2% of a company and still have a large effect on strategy. Since the demand is so low (removal of one account) isn't it a pretty easy choice to just make the shareholders happy?


You buy a 60kwh car you get a 60kwh car not a 60kwh car that after 3 years is a 45kwh car. Which do you think people would be more upset at. Which looks worse for electric cars. Elon needs to make electric cars viable to the average consumer. This helps electric cars marketability. Range degredation is a legitimate problem for every electric car and this is the best current way to handle it.


Thanks for helping me gauge my expectations for this project. The more advanced stuff may require an exception then. I guess they are looking to knock off the casual Excel users while making exceptions for the more advanced Corporate Finance/Financial Reporting team. Thanks for your input though, can I ask you what your organization does and what areas you did have success in transitioning to GSuite?


Is there a point after which they legally unable to charge me? No. If you gave a check, then the bank may bounce it as stale after 6 months, but doesn't have to. With debit/credit transactions, they post as they're processed, and some merchants may not sync their terminals or deposit their manual slips often. As the world becomes more and more connected this becomes extremely rare, but still happens. Technically your promise to pay is a contract which never expires, and they can come after you years later to collect.


That is one of the most unfriendly term sheets I've come across in awhile for a seed round. Preferred shares with dividends (cumulative I'm sure), 60% stake (reduced if paid back). Any talk on participating preferred? Did he set a cap? What is the valuation for buyback to 20%? For $50K your buddy better hit up every lost long family member before jumping into bed with this asshole. Angel Funding Updates: http://www.angelresourceinstitute.org/en/Research/Halo-Report/Halo-Report.aspx If you want an update on venture funding trends: http://www.cooley.com/venture-financing-report-q2-2014


Ignoring the wording of the article, what is the point? Taylor Swift, an establishment musician, doesn't change her successful formula in releasing information. What exactly would she gain by doing what the author suggested and changed the time of the information release. I would think that an out of the box approach would only draw negative attention. Taylor, you did the right thing.


"That a threat? I'm happy to show you my qualifications..MBA + CFA. You have provided ZERO backup...you keep insisting that I must be in the wrong (plus all those that downvote citing that they are retards and probably garbage men). You don't like being challenged. You have provided exactly ZERO support for your bold claims citing an immeasurable ""get in touch with current trends"" - which is the equivalent of ""JUST GOOGLE IT IF YOU DON'T BELIEVE"" because you are in fact unable to support your position through objective evidence. I also believe you are the one that has resorted to name calling...not the other way around. People get them after they gain experience...which is then what helps them stand out...no where did I ever suggest not to get one, I'm attacking your advice of going right after undergrad and have zero experience. Wonder what the people over at r/MBA would have to say about it or the countless number of recruiters or the countless number of hiring managers. You are setting this kid up for disappointment."


Government employees earn lots of airline miles if they travel frequently. However they are not allowed to use them for anything other than upgrades for themselves, you can't convert them into private travel vouchers for example. If a Govt employee gets bumped off a flight they can't even keep that money. Because their fares are pre-negotiated on many city pair routes it will be a certain percentage of a refundable, flexible coach ticket, like 40% cheaper. However the airline miles rack up based on the class of the ticket which means they get a LOT of miles. Most private companies let their employees keep their miles and do whatever they want with them - so most of those people decide to stay in coach and keep them for a family vacation later.


Hey, I was thinking back to that X-Ray you got done at the hospital, that you said was cheaper than 90% of the population. I am wondering if maybe that hospital wasn't one of the many that qualify for DSH reimbursement payments. What could have happened is that they saw that you are uninsured, and made a decision that they would only charge you for the portion that they didn't think Medicare / Medicaid would reimburse. If that happened, it wouldn't even show up on your credit report, as the hospital is the one that would file a credit claim. Likely, if they have to go through this a lot, they wouldn't even waste time filing a credit claim, they would just go after a reimbursement through Medicare / Medicaid. And thus, to you, it would just look like a very small bill, but in reality it would only represent a smaller portion of the true bill. I would also wonder, if they do a lot of these, if they aren't also one of the hospitals that article I linked to showed was super-inflating the prices of uninsured in the hopes of getting a larger portion reimbursed.


Have you *seen* a Model S? Driven one? The car is beautiful even if it was gas. Once they reach production levels I believe it will sell like no other. And do you think Tesla is lacking demand? They have over 6000 PRE-ORDERS (they require a $5000 deposit, too). If this car was available non-preorder, I know multiple people that would be in the market for one (My father, for example, even said he would trade in his 110g+ AMG Mercedes for one, and he lives in Texas! The big oil state!). Not only that, they have drivetrain deals with Toyota and Daimler (maker of mercedes, etc). Who wouldn't get a Model S when the technology in it is far superior to a 5 series or 911 that's just electric. I don't even think electric is the main selling point, but that it's a vastly superior car (speed, handling, technology) than any others in it's price range. Also, a Boxster over a Model S? Really? And do you really think porsche, BMW or GM can catch up to 10 years of research and development by silicon valley engineers by the time they make the Model S and Model X fully available? Be realistic... developing a completely new kind of car takes many many years of development no matter how much money the company has. Everyone has doubted Tesla from day 1 and here we are ~10 years later and they are actually doing it.


Well I'm a candidate so hopefully not. I see it as becoming like accountancy qualifications in most countries, becoming a mandatory requirement to be considered a professional in asset management. The universities are already making an effort to align their curriculums with the CFA program.


Some of the costs you might incur include:


"As a former debt collector myself, I can tell you that we did occasionally get someone claiming that they weren't who they really were. However, it was pretty obvious who was telling the truth after a while. Above all else, just be calm and polite. Technically, you can also say ""do not call this number again"" and they have to stop calling, but I wouldn't do this right off the bat. Its best if they are convinced that you aren't the guy they're looking for. Calmness and politeness are traits that debtors usually lack, sometimes because they are just normal people overwhelmed with their situation, and sometimes because they are irrational loser (sorry, but its true). Either way, if you are consistently calm and unconcerned about their threats, they will either give up or realize you aren't the guy. Eventually they will stop calling you (or at least I know I would have stopped calling you)."


Honestly, with the hours, it all comes down to wording. While doing your degree, you had group projects right? Especially in micro/macro, marketing etc. That is leading and directing a team to get a finished project (the assignment) or anything you did as an intern. There are tons of resources as to how to properly articulate your hours. Checkout out USAjobs.gov and type in budget analyst, financial analyst and see where it takes you. Look for jobs that are for all US citizens because you won't fall into the other categories.


NY State schooler here. It is indeed who you know. Some of my better connected compatriots are in the IBDs of Goldman, JP, etc. They are brilliant but so are the harvards and yales that interviewed alongside them. It ultimately came down to speaking with people on a regular basis who can go up to bat for you. Even my back office finance internship was via a resume submission on behalf of my B-School's dean (Which I am eternally grateful for the vote of confidence on his part) The programs them selves often don't matter. Hell, sometimes they like a good novelty (ala the juliard student in my intern class). Example in point: Our tiny honors program churns us out with bloomberg certifications, extensive excel experience, and even a few models and pitches under our belts, which as I've gathered from my interactions with other interns, puts us a few steps ahead of the curve. But it's all for naught if we can't network our way into an interviewer's hot seat. **tl;dr My point here is that if there is a will there is a way. Some times it just takes the will of a few others to create that way.**


There is the opportunity cost. Let's say it cost you $1000 to buy 0.25% discount. Over N number of years that saves you let's say $2000 thus your profit is $1000. What if you took that $1000 and invested it? Would you have more than $2000 after N number of years? Obviously answering this question is not easy but you can make some educated guesses. For example, you can compare the return you'll likely get from investing in CD or treasury bond. A bit more risky is to invest in the stock market but an index fund should be fairly safe and you can easily find the average return over 5 - 10 year period. For example, if your loan is $200,000 at 0.25% per year you'll get $500 in savings. Over 10 years that's $5000 - $1000 to buy the point, you end up with $4000. Using the calculator on this site, I calculated that if you invested in the Dow Jones industrial average between 2007 and 2017 you total return would have been 111% (assuming dividends are reinvested) or you would've had a total of $2110. I'm not sure how accurate those numbers are but it seems likely that buying points is a pretty good investment if you stay in the house for 10 years or more.


> and professionals in large cities; back-office white-collar in suburbs and/or smaller cities and production/manufacturing in rural areas. Suburbs? I can believe that. Rural? Not likely. Difficult to recruit good employees to rural areas and the labor market is already very thin.


"First of all, it is absolutely **not** constitutional for any branch of the US government to outsource its primary functions to a private corporation. But, more to your point, the constitution provides that ""no state shall make any thing but gold and silver coin a tender in payment of debts."" They will argue that Federal Reserve notes are unbacked, that taxes are voluntary, that Washington D.C. is not a state, that the FED is not private, or even (sometimes) that the gold standard is still in force. But each of those is contradicted by their actions."


Generally these things are unrelated. Your tax debt is to agency X, your license is (mostly) from agency Y. If your business involves agency X, then it may be a problem. For example, you cannot get a EA license (IRS Enrolled Agent) if you have unsettled tax debt or other tax compliance issues. You should check Michigan state licensing organizations if there are similar dependencies. Also, some background checks may fail, and some state licenses require them to pass. For example, you can probably not get an active bar registration or a CPA license with an unsettled tax debt. You might have a problem with registering as a Notary Public, or other similar position. You can probably not work in law enforcement as a contractor. If you're on an approved payment plan - then your tax debt is settled unless you stop paying as agreed, and shouldn't be a problem.


Were your classes at a community college? If they were, community colleges in california offer a program called Academic Renewal. It generally requires you to do well (above a certain gpa) for x amount of units (24 at my community college). That way you don't have to worry about that difficult year of your life affecting your ability to transfer. Best of luck!


But the question remains - even if it's optional, why would you take that option? What advantage does this have over a ring, or badge, or keychain, or any of the zillion other things that can hold an RFID chip and don't need to be implanted?


"Get an accountant. Now. There are many subtle things that you do not know especially if you are just starting with your own corporation. There is also an issue of corporate tax return that you will have to face pretty soon. You should be looking for accountant that does accounting for corporations, there are companies specializing in small business. I do not think you can ""just"" transfer money to your personal account. They have to be treated as dividends and treated as such for income tax purposes. Or, as you described, you may pay yourself a salary, but then you have to pay CPP and EI on top of that. When you pay yourself dividends your corporation will need to issue T5 slip for you (accountant will do that) that you will need to use when preparing personal tax return. If you pay yourself salary, corporation will need to give you T4 In terms of tax treatment, if we do not take RRSP contributions dividend tax treatment will leave little bit more money in your hands. I'd say if you have RRSP room and/or TFSA room, pay yourself dividends and then do contributions as you see fit, if you need RRSP room, pay yourself salary. TFSA room does not depend on the type of income, so if you have room there, consider filling it first."


Regarding your specific types: If you can't part with anything, sure, scan them. Also, there are lots of opportunities to sign up for eStatements with just about any financial provider. They want you to sign up for them, because it reduces their expenses. If you still like having paper around (I do admit that it's comforting in a way) then you can usually prune your paper a bit by statement (getting rid of T&C boilerplate, advertisements, etc.) or by consolidation (toss monthly when the quarterly consolidation statement arrives; toss the quarterly when the yearly arrives).


Set up a meeting with the bank that handles your business checking account. Go there in person and bring your business statements: profit and loss, balance sheet, and a spreadsheet showing your historical cash flow. The goal is to get your banker to understand your business and your needs and also for you to be on a first-name basis with your banker for an ongoing business relationship. Tell them you want to establish credit and you want a credit card account with $x as the limit. Your banker might be able to help push your application through even with your credit history. Even if you can't get the limit you want, you'll be on your way and can meet again with your banker in 6 or 12 months. Once your credit is re-established you'll be able to shop around and apply for other rewards cards. One day you might want a line of credit or a business loan. Establishing a relationship with your banker ahead of time will make that process easier if and when the time comes. Continue to meet with him or her at least annually, and bring updated financial statements each time. If nothing else, this process will help you analyze your business, so the process itself is useful even if nothing comes of it immediately.


There are several concerns with this plan: The bank will look at the remaining student loans when determining how much you can afford in payments each month. If they do approve the loan they will want to have the check written to the student loan accounts as part of the closing process, otherwie you could have both sets of loans.


The first question is low long will you wish to stray there? It costs of lot in legal changes other changes plus taxes to buy and sell, so if you are not going to wish to live somewhere for at least 5 years, then I would say that renting was better. Do you wish to be able to make changes? When you rent, you can’t change anything without getting permission that can be a pain. Can you cope with unexpected building bills? If you own a home, you have to get it fixed when it breaks, but you don’t know when it will break or how much it will cost to get fixed. Would you rather do a bit of DIY instead of phone up a agent many times to get a small problem fixed? When you rent, it can often take many phone calls to get the agent / landlord to sort out a problem, if own your home, out can do yourself. Then there are the questions of money that other people have covered.


"Pros for WHOM? Cons for WHOM? Whether the Federal Reserve is good or not really depends on WHO you are (i.e. where in the ""inflate/debase the money supply"" you are positioned, and how that affects your position in the debt/asset game). Because the impacts of just about everything the Fed (or any central bank or government/cartel manipulated ""fiat"" money supply) does... affect you significantly different depending on where you are in regards to those things."


One of the main criticisms made by product companies (especially publishers) of Amazon.com is that it violates the price floors on various products. When Amazon routinely sells products at a heavily discounted price, the product companies feel that the product gets devalued. Amazon has often been accused of anticompetitive behavior, because other retailers cannot compete with their discounts. It's interesting that this article makes the exact opposite claim --- that the product companies are the ones who are anticompetitive.


"Monsanto: ""you could literally drink 10 gallons of glyphosate and you'd be perfectly fine! Trust us, we've done the studies!!"" SeaWorld: ""we *only* care about the animals! No no no, we don't care at all about the profits. Seriously guys, double pinky swear!"" The shilling is real."


The terms of the offer are a contract, so they are applicable in determining whether it's fraud or not. That said, your situation is not fraud, because fraud requires intentionality. Only the case where someone knew they were violating the terms of the offer (as with the story here) is fraud.


"It is if you want apps. The platform is stuck in a Catch-22, where people won't buy the phone because it has no apps, and devs won't make apps for it because no one is buying the phone. Windows 8 will probably ease the problem with its app store and presumed port channel, but given how MS has handled potential devs so far, the future is not bright. They should have been pursuing aggressively and digging into their massive warchest to basically throw money at devs to get hem on board and kick-start the ecosystem. I personally couldn't give a crap about apps, as I just want my phone to make and take calls, guide me with map directions, and let me Google quick bits of information on-demand. It's not a ""platform"" to me. It's a tool. But I'm apparently in the minority."


In the US there is no set date. If all goes well there are multiple dates of importance. If it doesn't go well the budget process also may include continuing resolutions, shutdowns, and sequestrations.


How much money do you have in your money market fund and what in your mind is the purpose of this money? If it is your six-months-of-living-expenses emergency fund, then you might want to consider bank CDs in addition to bond funds as an alternative to your money-market fund investment. Most (though not necessarily all, so be sure to check) bank CDs can be cashed in at any time with a penalty of three months of interest, and so unless you anticipate being laid off very soon, you might get a slightly better rate of interest, FDIC insurance (which mutual funds do not have), and with any luck you may never have to break a CD and lose the interest. Building a ladder of CDs with one maturing each month might be another way to reduce the risk of loss. On the other hand, bond mutual funds are a risky bet now because your investment will lose value if interest rate go up, and as JohnFx points out, interest rates have nowhere to go but up. Finally, the amount of the investment is something that you might want to consider before making changes. If you have $50K put away as your six-month fund, you are talking of $500 versus $350 per annum in changing to a riskier investment with a 1% yield from a safer investment with a 0.7% yield. Whether bragging rights at neighborhood parties are worth the trouble is something for you to decide.


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The Gramm-Leach-Bliley Act was not repealed, it was approved. I think you mean that the Gramm-Leach-Bliley Act, among other things, repealed what was left of the Galss-Steagal Act of 1933 (there was another by the same name on 1932). The issue is that soem regulations are enacted and some are repealed. The result during each of the last decades and by a big margin has been an increase of the regulations. And as I said by a big big margin. The rethoric of de-regulation is just political rethoric, it has not happened. Just check the government data. Now, it can happen that some regulations dont matter much and some others matter a lot, so checking the number or size of the regulations, while it describes a tendency, can also be deceiving. But again, since the debate over de-regulation is political they only focus on slogans and not on real analisys. So going back to the particular regulation you mention, the removal of Glass-Steagal Act was positive. If it had not been removed the crisis would have been far worse. If you are interested we can discuss why (I already wrote enough for one comment).


"I've made excellent returns on XIV. My ""foolproof"" strategy....When shit completely hits the fan and the vix is through the roof for a few days, buy, then sell a few weeks later. XIV has been very kind to me in situations where everyone seems to overreact."


Modern portfolio theory has a strong theoretical background and its conclusions on the risk/return trade-off have a lot of good supporting evidence. However, the conclusions it draws need to be used very carefully when thinking about retirement investing. If you were really just trying to just pick the one investment that you would guess would make you the most money in the future then yes, given no other information, the riskiest asset would be the best one. However, for most people the goal retirement investing is to be as sure as possible to retire comfortably. If you were to just invest in a single, very risky asset you may have the highest expected return, but the risk involved would mean there might be a good chance you money may not be there when you need it. Instead, a broad diversified basket of riskier and safer assets leaning more toward the riskier investments when younger and the safer assets when you get closer to retirement tends to be a better fit with most people's retirement goals. This tends to give (on average) more return when you are young and can better deal with the risk, but dials back the risk later in life when your investment portfolio is a majority of your wealth and you can least afford any major swings. This combines the lessons of MPT (diversity, risk/return trade-off) in a clearer way with common goals of retirement. Caveat: Your retirement goals and risk-tolerance may be very different from other peoples'. It is often good to talk to (fee-only) financial planner.


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"I personally believe if one (average) income could support the needs of a family (nothing extravagant) and the parents had options (instead of only one of the parents having the ability to work for an income that supports a family) it would be better. At the micro view, there would be less grudges and more time for family. I feel bad now bc I'm stretched so thin I don't even have time to watch a tv show with our kids during the week. In our situation, my husband never finished school (his mom let him drop out in the 7th grade) so his work options are very limited. He has had to work out of town jobs since before we started dating. I graduated high school but due to having kids early, I put off college. Because of the expense of daycare, I stayed at home with the kids for about 5 years. The plan is I get my degree next fall, get a decent paying job to support the family and he can figure out what he wants to do as a career and be able to pursue it without having the pressure of HAVING to make an income to support a family. I have been nudging him to at least get an online high school diploma in the mean time but I think he is self conscious and scared he can't do it. We aren't the ""Keeping up with the Jones"" kind of people. I'm just trying to reach some goals and be financially stable and not worry about if we have enough money in the bank for bills or if the car breaks down if we are screwed. A teacher's job is very time consuming so it definitely will be a challenge if you don't work a job that allows you to help out. At my internship this summer the CFO was able to just leave and bring his daughter to work whenever he needed to. That luxury is not afforded to many. Also on a side note- when you have kids, please make an effort to take your paternity leave if your job offers it. You deserve it! Employees shouldn't feel bad for taking the benefits their company offers. Gender equality ftw!"


"Accretive means additive. When someone says ""accretive to EPS"" it means that it should theoretically add to EPS. The problem is that the models they're using to determine pro forma EPS are filled with bullshit assumptions that may or may not reflect reality. I remember working on merger models as a young analyst and having my MD tell me on multiple occasions ""those accretion numbers aren't good enough, play with the assumptions"""


If you are providing VAT-liable services (you probablly are) and you register normally for VAT then you will be able to reclaim VAT on your buisness purchases but you will have to charge VAT to your clients. So the question really comes down to will your clients regard you adding VAT to their invoices as a price increase or not. That is likely to depend on whether your clients are in a position to claim-back the VAT you charged them. If you are working mostly for VAT registered buisnesses who perform primerally vat-liable (including zero-rated) activities then registering for VAT is likely in your financial interests (though it does mean more paperwork). The flat-rate scheme may be better still. If you are working mostly for private individuals, non VAT registered buisnesses or buisnesses which primerally perform VAT exempt* activities then registering for VAT when you don't have to is most likely not in your financial interests. * Note: VAT exempt and zero rated for VAT are very different things even though they look similar to the customer.


"> Medicare Part-D is not Trump fault, for, at least, the last 8 years. I never said it was. > Trump wants the national health care system to work, cheaper and better. I never said he didn't. > But, still, you have to be against Trump despite him yet to do anything about this... I never said I was against him because of his inaction on Medicare Part-D. > ...and not able to do anything because of Democrats and some betraying Republicans. I never said his inability to pass a bill was an issue. > Global Warming, is the exact same thing. Not Trump fault. I never said it was. > The Paris Accords are not fair to the USA... I never said they were. > Trump is not against anything that reduce pollution and emissions. I never said he was. > So on one hand you say technology will not stop ""global warming""... That is not what I said. > ...on the other hand you want to use technology to stop ""global warming"". I never said I did. > If global warming is man-made, then technology caused it and technology will solve it. That's just dumb. ""Ice cream made me fat and ice cream will make me skinny again!"" > Trump is against stopping pollution and emissions? I never said he was. > Or, again, you just concentrate on the terrible Paris Accords rejected by Trump? I mentioned them once. You are the one who keeps bringing them back up. Wow, you will toss any claim my direction and totally misrepresent my position in an attempt to defend President Trump. You can not stay on topic to save your life. Let me try using your own discussion tactic to help you. 1) [Did President Trump say he thought Medicare Part-D should use its market share to negotiate drug prices, enter a room with executives from the pharmaceutical industry, and then come out saying he now opposed Medicare doing so](http://www.chicagotribune.com/business/ct-trump-drug-costs-20170202-story.html)? Yes or no? 2) Has President Trump created, championed, or even backed any policy that would require the United States to take active steps to prepare for the upcoming problems caused by global warming? Yes or no?"


The law says that you cannot make a contribution (whether tax-deductible or not) to a Traditional IRA for any year unless you (or your spouse if you are filing a joint tax return) have taxable compensation (income earned from the sweat of your brow such as wages, salary, self-employment income, commissions on sales, and also alimony or separate maintenance payments received under a divorce decree, etc) during that year, and you will not be 70.5 years old by the end of the year for which you are making the contribution. The contribution, of course, can be made up to Tax Day of the following year, and is limited to the lesser of the total compensation and $5500 ($6500 for people over 50). Assuming that you are OK on the compensation and age issue, yes, you can make a contribution to a Traditional IRA for an year in which you take a distribution from a Roth IRA. Whether you can deduct the Traditional IRA contribution depends on other factors such as your income and whether or not you or your spouse is covered by a workplace retirement plan.


I think examining the effects and potential implications of China's involvement with the stock market may be productive. Some interesting examples would be the failed market circuit breakers and the restrictions of short-selling in 2016. Not sure that this would qualify as a real topic, but may give you food for thought.


First, don't owe (much) money on a car that's out of warranty. If you have an engine blow up and repairs will cost the lion's share of the car's bluebook value, the entire car loan immediately comes due because the collateral is now worthless. This puts you in a very miserable situation because you must pay off the car suddenly while also securing other transportation! Second, watch for possible early-payment penalties. They are srill lokely cheaper than paying interest, but run the numbers. Their purpose is to repay the lender the amount of money they already paid out to the dealer in sales commission or kickback for referring the loan. The positive effects you want for your credit report only require an open loan; owing more money doesn't help, it hurts. However, interest is proportional to principal owed, so a $10,000 car loan is 10 times the interest cost of a $1000 car loan. That means paying most of it off early can fulfill your purpose. As the car is nearer payoff, you can reduce costs further (assuming you cna handle the hit) by increasing the deductible on collision and comprehensive (fire and theft) auto insurance. It's not just you paying more co-pay, it also means the insurance company doesn't have to deal with smaller claims at all, e.g. Nodody with a $1000 deductivle files a claim on an $800 repair. If the amount you owe is small compared to its bluebook value, and within $1000-2000 of paid off, the lender may be OK with you dropping collision and comprehensive coverage altogether (assuming you are). All of this adds up to paying most of it off, but not all, may be the way to go. You could also talk to your lender about paying say, 3/4 of it off, and refinancing the rest as a 12-month deal.


For simplistic reasons, having more transistors for the same price means that the price per calculation goes down. Therefore, saving money. I can render mandelbrot realtime whereas 30 years ago it would take all day for low quality.. if this is the reason I bought a computer solely I would consider I had gotten a much much better deal now. Expecially if I bought a computer from five years ago that can do the same thing and it ends up being cheaper overall and able to produce many times greater.


All unsubstantiated opinions. >there is no such thing as a relation between any interest rates and the cost to service the loans Really. No relation whatsoever? And your background in finance letting you understand this is what? Are you telling me every bank of the [7,213](http://www2.fdic.gov/idasp/) independent banks are in cahoots and none of them compete based on prices and services? Can you give me precise evidence that all those independent banks are not in competition? What should the price be for capital if the current prices are incorrect, and tell me why.


"This is always a judgement call based on your own tolerance for risk. Yes, you have a fairly long time horizon and that does mean you can accept more risk/more volatility than someone closer to starting to draw upon those savings, but you're old enough and have enough existing savings that you want to start thinking about reducing the risk a notch. So most folks in your position would not put 100% in stocks, though exactly how much should be moved to bonds is debatable. One traditional rule of thumb for a moderately conservative position is to subtract your age from 100 and keep that percentage of your investments in stock. Websearch for ""stock bond age"" will find lots of debate about whether and how to modify this rule. I have gone more aggressive myself, and haven't demonstrably hurt myself, but ""past results are no guarantee of future performance"". A paid financial planning advisor can interview you about your risk tolerance, run some computer models, and recommend a strategy, with some estimate of expected performance and volatility. If you are looking for a semi-rational approach, that may be worth considering, at least as a starting point."


Lowe's is closer to me, but Menard's tends to have better prices or frequent sales that draw me in. We have Lowe's, HD and Menard's all within 5 minutes of my house, with the Menard's and HD being less than a mile apart. Menard's seems to be about twice the size of the other two stores, plus their lumber yard and in-stock materials is unmatched. The only complaint I've really seen about Menard's is that they don't offer a military discount like Lowe's and HD do.


Thanks for the response - ok so maybe the funds could be partially crowd-sourced and partially funded by an accredited investor? Also yes - having an experienced adviser and a plan in place to replace existing directors sound like good plot devices. There doesn't really have to be a limitation to banks, the idea comes from the protagonists being upset with the status quo of banking practices (foreclosures, fees, investing in weapons/warzones etc.) what would you suggest?


I do not think it is work ethic. I think the issue is people just do not have a choice but to do whatever their employer wants. If everyone was say rich then they could just tell their employer to F*** Off. Or if the USA had a strong economic safety net then people could tell their boss to F*** Off. But since the USA does not then the people are just wage slaves. I think the work ethic in other countries is more extreme than the USA but those nations people do tell their employer to get lost.


From Wikipedia - To calculate the value of the S&P 500 Index, the sum of the adjusted market capitalization of all 500 stocks is divided by a factor, usually referred to as the Divisor. For example, if the total adjusted market cap of the 500 component stocks is US$13 trillion and the Divisor is set at 8.933 billion, then the S&P 500 Index value would be 1,455.28. From a strictly mathematical perspective, the divisor is not canceling out the units, and the S&P index is dollar denominated even though it's never quoted that way. A case in point is that the S&P is often said to have a P/E, and especially an E, the earnings attributed to one 'unit' of S&P. And if you buy a mutual fund sporting a low expense ratio, you can invest exactly that much money (the current S&P index value) and see the dividends accrue to your account, less the fee.


"Only a Cuck would take the words of /u/AlwaysThoughtful over the claims of NeoNazi leadership. They even said ""we were not specifically condemned. That's good"". When professional racists endorse Donald Trump, support Donald Trump, and want to work with Donald Trump... and he does nothing to condemn them (and walks back what little condemnation he publicly made on Twitter as ""they made me read a statement."")... yeah. Definitely no connection there. Trumptards really are the bots from Westworld. They can't see anything dear leader didn't program them to see."


You encountered a quite common scam: You are supposed to perform a job, they send you a check for too much money, and you are supposed to pay them some money back. Ten weeks later the check bounces and your money is gone. That's these people's job. They do this all day long. The success rate isn't very high, so they are busy doing this all day. These scammers might have your name and address, but if that is all there is, they can get names and addresses of 100s of people by using the phone book, and they don't. I wouldn't say that it is impossible to turn your name and address into money, but it is hard work. So it is quie unlikely to happen.


Trading is NOT zero-sum game, it is negative sum actually. In fact all people's money is getting swept by commissions and fees. If you don't have The Plan (which includes minimizing commission losses), you win some (not a lot), then you get big positions, then market crashes, then all your money is gone. You will start noticing that commissions are real, only when you get market crash. Prey that you get heavy losses (-10% of portfolio) before some (giant) market crash. Getting good lesson by small price is better then high price (-30..50%). Piece of advice. There is small exchanges that do NOT charge you for operations, taking only market spread ($0.01) as commission. They do so because they do not have big population and they trade mostly by using automatic market-makers (which means there is no way to buy 10% of Apple there).


I suppose but it's probably all handled by the individual payment operators, not ck Louis. For instance, several online merchants I go to have their own payment system PLUS PayPal PLUS google checkout, and sometimes even instructions for check payment or something. I can imagine dwolla fitting in the list.


"As a human being, you don't exist in a ""field"". You have all sorts of different skills and interests. You're useful. Go find someone who needs knowledge you have, and do it for free if you can't make money on it. Then you're a consultant."


> People don't want data caps and throttling. People have been lulled into the notion that a faucet in their home entitles them to all the water they want. That appears to be the argument you're making here. >But your argument hurts my brain. That's a douchey comment. Get over yourself.


">""We used to think that high profits were a sign of the successful working of the American economy, a better product, a better service. But now we know that higher profits can arise from a better way of exploiting consumers..."" It feels like they've gotten that down to a science and that life has become navigating a bureaucracy of pickpockets."


"My statement: >If you slowed production, maybe you could prevent wealth from collecting in a few hands so quickly? Wouldn't that be a ""weaker economy"" rather than a ""stronger economy""? Your response: >No one's arguing that. Straw man. What people really want to see is policy reform to give labour better compensation. That's the only option though. In a market economy, capital collects in the hands of a few. It's inevitable because capital is capable of making capital all by itself. If you want to slow that down, then you have to add in more aspects of a planned/socialist economy. Or, you have to slow production so that capital doesn't pool together so quickly. Inadvertently, planned/socialist policies will slow production too. You're obsessed with money. Money is only a form of debt security. At the end of the day, you have to analyze an economy by how it answers a few questions: * What goods and services should be produced and in what quantities? * How should goods and services be produced? That is, by who and with what resources and technologies? * For who should goods and services be produced? That is, who is to enjoy the benefits of the goods and services and how is the total product to be distributed among individuals and groups in the society? According to these three maxims that an economic system must have answers for, the current economic system is doing quite well. Versus any era, the answers that present day has are equal or better. The only era you can claim as superior is this 20 year period immediately after WW2 when the USA became far wealthier than any other nation in the world. That was a ""honeymoon"" period in this economy that had nothing to do with economic policy. That was simply us being rich because every other country became poor. Moreover, after WW2, the USA population was half of what it is today. Same size pie, smaller slices. Pies (aka total amount of resources) don't magically change sizes when populations grow. It was for this very reason that people in the 1500s were desperate to find new land like the Americas; Europe was getting overcrowded."


That is, again, very shortsighted if you. If you can quantify an influence, or give it good enough boundaries to account for the non-quantifiable, you can develop a much better system. Capitalism is imperfect both because perfect Capitalism can NEVER exist, and because Capitalism fails to account for its oppositional forces, most easily seen in the more “feeling” side of life, but also evident in the very fact that we are having this disagreement. You bring up Brownie Points again, which makes me think you only have two views: The way you were fed, guessing Staunch Republican, and the way you were told everyone else was bad: Touchy Feely, Special Snowflake, Brownie Points and Participation Trophies. All of that means you haven’t actually thought for YOURSELF! Otherwise it would be obvious that all these views are incorrect. Democrats, Republicans, and Libertarians all have it wrong because they are more interested in telling others how wrong they are than really looking at the problem. Gods forbid they even slightly agree with the other side on anything! We have a REAL trust issue here, between all sides. And a lot of that stems from this false idea that people are innately selfish. Selflessness of any form could not emerge from a purely selfish source. But I’ll be damned if there is any way to prove anything is selfless.


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Buying assets doesn't affect your profit, because the money stays on your balance sheet as capital assets instead of cash in bank (unless your tax authorities let you report your accounts on a cashflow basis, which for example they do for very small businesses in the UK). You need to actually spend the money on something you can't turn back to cash later for it to reduce your profit.


That would be fine, if yelp didnt as well hide positive reviews unless you pay them a monthly fee. They are evil for doing that. Imagine if amazon products only showed negative reviews unless you paid to have positive ones show too.


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Calculate your effective income per day (after taxes) and calculate the prize of everything per day. This lets you easily compare your rent with other (smaller) expenses. It's easy to say that if you stay below your income every day you will save money. It also helps to know how much freely spendable money you have each day (money after taxes, rent, bills etc.). Let the days were your expenses are higher than your income be scarce and know how many days you need to work and save to afford something.


"From How are indexes weighted?: Market-capitalization weighted indexes (or market cap- or cap-weighted indexes) weight their securities by market value as measured by capitalization: that is, current security price * outstanding shares. The vast majority of equity indexes today are cap-weighted, including the S&P 500 and the FTSE 100. In a cap-weighted index, changes in the market value of larger securities move the index’s overall trajectory more than those of smaller ones. If the fund you are referencing is an ETF then there may be some work to do to figure out what underlying securities to use when handling Creation and Redemption units as an ETF will generally have shares created in 50,000 shares at a time through Authorized Participants. If the fund you are referencing is an open-end fund then there is still cash flows to manage in the fund as the fund has create and redeem shares in on a daily basis. Note in both cases that there can be updates to an index such as quarterly rebalancing of outstanding share counts, changes in members because of mergers, acquisitions or spin-offs and possibly a few other factors. How to Beat the Benchmark has a piece that may also be useful here for those indices with many members from 1998: As you can see, its TE is also persistently positive, but if anything seems to be declining over time. In fact, the average net TE for the whole period is +0.155% per month, or an astounding +1.88% pa net after expenses. The fund expense ratio is 0.61% annually, for a whopping before expense TE of +2.5% annually. This is once again highly statistically significant, with p values of 0.015 after expenses and 0.0022 before expenses. (The SD of the TE is higher for DFSCX than for NAESX, lowering its degree of statistical significance.) It is remarkable enough for any fund to beat its benchmark by 2.5% annually over 17 years, but it is downright eerie to see this done by an index fund. To complete the picture, since 1992 the Vanguard Extended Index Fund has beaten its benchmark (the Wilshire 4500) by 0.56% per year after expenses (0.81% net of expenses), and even the Vanguard Index Trust 500 has beaten its benchmark by a razor thin 0.08% annually before (but not after) expenses in the same period. So what is going on here? A hint is found in DFA's 1996 Reference Guide: The 9-10 Portfolio captures the return behavior of U.S. small company stocks as identified by Rolf Banz and other academic researchers. Dimensional employs a ""patient buyer"" discount block trading strategy which has resulted in negative total trading costs, despite the poor liquidity of small company stocks. Beginning in 1982, Ibbotson Associates of Chicago has used the 9-10 Portfolio results to calculate the performance of small company stocks for their Stocks, Bonds, Bills, and Inflation yearbook. A small cap index fund cannot possibly own all of the thousands of stocks in its benchmark; instead it owns a ""representative sample."" Further, these stocks are usually thinly traded, with wide bid/ask spreads. In essence what the folks at DFA learned was that they could tell the market makers in these stocks, ""Look old chaps, we don't have to own your stock, and unless you let us inside your spread, we'll pitch our tents elsewhere. Further, we're prepared to wait until a motivated seller wishes to unload a large block."" In a sense, this gives the fund the luxury of picking and choosing stocks at prices more favorable than generally available. Hence, higher long term returns. It appears that Vanguard did not tumble onto this until a decade later, but tumble they did. To complete the picture, this strategy works best in the thinnest markets, so the excess returns are greatest in the smallest stocks, which is why the positive TE is greatest for the DFA 9-10 Fund, less in the Vanguard Small Cap Fund, less still in the Vanguard Index Extended Fund, and minuscule with the S&P500. There are some who say the biggest joke in the world of finance is the idea of value added active management. If so, then the punch line seems to be this: If you really want to beat the indexes, then you gotta buy an index fund."


"I've been doing a bunch of Googling and reading since I first posed this question on travel.SE and I've found an article on a site called ""thefinancebuff.com"" with a very good comparison of costs as of September 2013: Get the Best Exchange Rate: Bank Wire, Xoom, XE Trade, Western Union, USForex, CurrencyFair by Harry Sit It compares the following methods: Their examples are for sending US$10,000 from the US to Canada and converting to Canadian dollars. CurrencyFair worked out the cheapest."


Use Online banking, or open an account with the bank within WalMart. Then you can use ATMs, wherever.


Khan academy videos are really good. You should start to read the tutorials for beginners on investopedia.com. Additionally, you should keep yourself informed about the current finance related events. I would suggest reading the wall street journal and watch Bloomberg TV on their website.


I hope that Susan Mouldin, Chief Information Security Officer at Equifax, will totally retire, and not, god forbid, use her talents at Music Composition which she studied for her bachelor and master's degrees. Obviously she was no good in composing music, so she has to get another career in Information Security at Equifax.


I know very well how my local government works, and you either don't or are being disingenuous. At the state level, New York is split between Democrats and Republicans, with the Republicans almost always in control of the state Senate, and controlling the Governor's office for 10 of the last 20 years. So it doesn't matter that Republicans haven't won in New York City at the State level, since the State Government is mostly evenly split between Democrats and Republicans in terms of control.


This article is very one-sided and absolutist. It also pulls the struggles from one industry and uses that as a basis to declare resumes are a useless part of the hiring process in general. What works for a Tech start up doesn't work for someone hiring a nurse or an accountant or a salesperson. Most egregious is that this article completely ignores the point of a resume. Of course anyone using a resume to make a hiring decision will see poor results. A resume is there to be able to pare down your candidate pool to see who you are interested to bring in for interviews and eventually assessments to learn more about them. It is also pretty easy to verify employment history with a single call or services like The Work Number. You can provide assessments and ask interview questions to see if someone really knows the information they claim to know on a resume. In order to remove the resume from the hiring process, you have to solve the issue of being able to easily and effectively narrow down a pool of applicants while having a tangible summary of education, experience, skills, etc. Online methods of eliminating applications by keywords have shown to exclude highly qualified candidates. Until such a method is discovered, the resume is still by far the best took to summarize a candidate, and to decide who you want to learn more about.


This will work as intended, but there's another point to consider. In the US, the tax rate on proceeds from stock sales is higher for short term holdings, which are defined as held for less than one year. Both rates vary based on your income. Bracket numbers are for fiscal year 2014, filing as single. The difference between short and long term capital gains tax in the US is a minimum of ten percentage points, and works out to 15 percentage points on average. This is substantial. If you won't be reporting much income the year you move to the US (say because you only worked for a portion of the year) it is decidedly to your advantage to wait and sell the stocks in the US, to get that sweet 0% rate. At a minimum, you should hold the position for a year if you sell and rebuy, from a tax optimization perspective. Two caveats:


How? Basically all banks nowadays allow online deposits from a smartphone - you take a picture from the front and back of the check, and submit it, and that's it. You still have the paper check, and it looks pristine, but it is deposited (and the paper is worthless).


This is not an answer to all of your questions but merely an eleaboration on one of your comments: Are there any other areas in the UK that would return rental yields much above 10% net? Shares. I could withdraw the money and buy shares for the dividend income, but it is hard to choose shares that yield more than about 6% and they are volatile. I wrote a post about using shares to invest a pension pot. http://www.sspf.co.uk/blog/016/ You may find it of some interest. Of course, the investing would take place within the pension 'wrapper' so you'd only be paying tax on the income taken out each year. The other alternatives you mention suggest paying for the expertise and time of an IFA would be a very economical decision. £1,000 to best use £150,000 seems a bargain to me. Some of the avenues you mention seem very risky from my understanding so someone to determine your tolerances and propose a holistic solution is a good path forward. Best wishes!


Maybe, but other companies have done similar things to purposely destroy wages at recessions. And since Gates isn't at a paternalistic command now, I expect Microsoft to get naturally more exploitative as the business class replace engineer/programmer-managers.


"Not cumulative volatility. It's cumulative probability density. Time value isn't linear because PDFs (probability distribution function) aren't linear. It's a type of distribution e.g. ""bell-curves"") These distributions are based on empirical data i.e. what we observe. BSM i.e. Black-Scholes-Merton includes the factors that influence an option price and include a PDF to represent the uncertainty/probability. Time value is based on historical volatility in the underlying asset price, in this case equity(stock). At the beginning, time value is high since there's time until expiration and the stock is expected to move within a certain range based on historical performance. As it nears expiration, uncertainty over the final value diminishes. This causes probability for a certain price range to become more likely. We can relate that to how people think, which affects the variation in the stock market price. Most people who are hoping for a value increase are optimistic about their chances of winning and will hold out towards the end. They see in the past d days, the stock has moved [-2%,+5%] so as a call buyer, they're looking for that upside. With little time remaining though, their hopes quickly drop to 0 for any significant changes beyond the market price. (Likewise, people keep playing the lottery up until a certain age when they're older and suddenly determine they're never going to win.) We see that reflected in the PDF used to represent options price movements. Thus your time value which is a function of probability decreases in a non-linear fashion. Option price = intrinsic value + time value At expiration, your option price = intrinsic value = stock price - strike price, St >= K, and 0 for St < K."


On the statement it now tracks how much is contributed to the account pre and post tax. This is the key. Your withdrawals will be proportional. Assuming you have contributed 90% in regular contributions (pre-tax) and 10% in Roth (post tax), when you withdraw $1000, it will be $900 from the regular (taxed fully) and $100 from the Roth (not taxed, assuming its a qualified distribution). Earnings attributed proportionally to the contributions. I agree with you that it is not the best option, and would also prefer separate accounts, but with 401k - the account is per employee. Instead of doing 401k Roth/Non-Roth consider switching to Regular 401k and Roth IRA - then you can separate the funds easily as you wish.


>Going to have to stop you right there. Most Fortune 500 companies pay a LOT of tax. Additionally, they get targeted for audits quite a bit because of their size and complexity. But at the end of the day, if it shows a net profit on their income statement, they're generally paying tax. True, but they make an effort to create a structure that compartmentalizes profits and maximizes expense. Income tax is a real thing, but it's not the primary vehicle of taxation that some people think it it. They pay more in other taxes, like payroll, social security and other kinds of tax. >A progressive scale for capital gains will just lead to high-income individuals transferring the form of income to something else. You're probably right.


its kind of a mid 20s and older thing now, as younger people have all moved onto or rather have grown up with ways of communicating that were invented after the messenger. and so it remains a weird thing. it is also popular autside the us, as there were a lot of users all around the world looking for ways to talk to their friends


"PayPal has a very generous buyer protection program. That means that the buyer can dispute receiving the goods and get their money back fairly easily (compared to credit cards). For this reason Craigslist and other sites recommend not accepting PayPal payments. I know that many transactions go through them flawlessly. But unless I really trust someone, PayPal would not be an option for me unless it was the money transfer (different rules; not as easy to get the money back). However this may be breaking PayPal Terms of Service so I would read them carefully before I went this route. There have been reports of PayPal putting extended holds on funds and effectively seizing the money by refusing to release the funds. I have never had this happen (though I did have a sale on eBay reversed though the item was never returned) but there are many reports of it on the Internet. As far as the BoA option I would contact them and see what they recommend. I would find out what their policies are on reversing the transfers and on providing your account number. They may have a special deposit-only account number you could provide the buyers. But I would want to learn as much about the system as I could before I started using it. The Internet has turned the old adage of ""buyer beware"" into ""seller beware"". There are many schemes that con artists have come up with to defraud unsuspecting sellers. I received several offers from people wanting to pay me with a cashiers check for a few items I recently sold on Craigslist. It is scary how prevalent these fraudsters have become."


I would say it would be even more universally empowering. An implant or a retrovirus or whatever the vector of this theoretical enhancement would have exactly the same effect on a disadvantaged kid from below the poverty line as it would on Young Master Moneybags the Umpteenth, Esquire. With education, you've got all the nebulous factors of tutors, pre-schooling, environment, peer groups, diet, general health, and so on, the vast majority of which add up to the blueblood having the educational advantage over the scholarship kid even if they attent the same classes at the same schools.


PA local taxes are a little tricky at times, but they do have resources to help taxpayers out. The link below is a good place to start, it provides a step by step guideline to go about your local taxes. The Address search application will tell you which locals you would need to file returns with as well as the tax rates. There are links at the bottom of the page with links to the forms and instructions. The forms are relatively easy to fill out. Act 32 For Employees/Self-Employed


If you get selected for exercise, your broker will liquidate the whole position for you most likely Talk to your broker.


"Can't declare bankruptcy isn't the same as ""can't default"". Bankruptcy is a specific legal process for discharging or restructuring debts. If Illinois can't declare bankruptcy, that means it will still owe you the money for the bonds no matter what, but it doesn't guarantee that it will actually pay you what it owes. If Illinois should run out of money to pay what's due on its bonds, then it will default. Unlike the federal government, Illinois can't print money to make the payments."


"This is only a partial answer to your question #1. If you have a conservative approach to savings (and, actually, even if you don't), you should not invest all of your money in any single industry or product. If you want to invest some money in oil, okay, but don't overdo it. If your larger goal is to invest the money in a manner that is less risky but still more lucrative than a savings account, you should read up on personal finance and investing to get a sense of what options are available. A commonly-recommended option is to invest in low-cost index funds that mirror the performance of the stock market as a whole. The question of ""how should I invest"" is very broad, but you can find lots of starting points in other questions on this site, by googling, or by visiting your local library."


Feel free to link to any research that supports his claims, I'll read it. And since Google isn't unionized, he doesn't really have much legal recourse. He can sue, but it's unlikely he'll win. More likely is that Google could be successfully sued if they continued to employ him and he exposed them to any kind of harrassment claims.


"Those who say a person should invest in riskier assets when young are those who equate higher returns with higher risk. I would argue that any investment you do not understand is risky and allows you to lose money at a more rapid rate than someone who understands the investment. The way to reduce risk is to learn about what you want to invest in before you invest in it. Learning afterward can be a very expensive proposition, possibly costing you your retirement. Warren Buffet told the story on Bloomberg Radio in late 2013 of how he read everything in his local library on investing as a teenager and when his family moved to Washington he realized he had the entire Library of Congress at his disposal. One of Mr. Buffett's famous quotes when asked why he doesn't invest in the tech sector was: ""I don't invest in what I do not understand."". There are several major asset classes: Paper (stocks, bonds, mutual funds, currency), Commodities (silver, gold, oil), Businesses (creation, purchase or partnership as opposed to common stock ownership) and Real Estate (rental properties, flips, land development). Pick one that interests you and learn everything about it that you can before investing. This will allow you to minimize and mitigate risks while increasing the rewards."


I don't suppose you could keep it in your pocket and just spend it? That's what I do.


It's income. Create an income account for it, or use a broader “miscellaneous income” account, depending on how precise you want to be.


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The answer to this question is very different depending on the type of item. From a purely financial perspective you would want to answer these questions which you may not have enough information to answer: Realistically the question I prefer to ask are: When something fails there is a big difference to me between having the cash and having an insurance policy that is suppose to cover it even if they are theoretically the same value. Some insurance policies may even be better than cash, like homeowners insurance might help take care of details like finding a contractor to fix the issue, finding temporary housing if your house burns down, etc.


I would contact your loan servicing company explain the situation and see if you can renegotiate terms. They may be able to drop the interest rate or lengthen the schedule to reduce the payment amount. I wouldn't default on the loan as that would likely hinder coming to/working in the US in the future. Not knowing your financial situation or country, could you attempt to obtain financing in your own country in order to pay off the US based loan? I would at least attempt to make some sort of payment while you attempt renegotiation, refinancing or pursue a job in the US, even if it technically puts or keeps you in default of the loan. Making any payment at least shows the willingness to pay back the loan, and you're not intentionally defaulting on your obligation.


"Paraphrased from Economics of Money, Banking and Financial Markets: Money is (1) a medium of exchange, (2) a unit of account, (3) a store of value. To the first point: as Homer Simpson's brain explained to him ""Money can be exchanged for goods and services"". The second: money acts as a measure to keep track of the relative worth of an enormous amount of items. This makes it much simpler than tracking how many apples are worth how many deerhides, and so on and so forth as occurs in barter economies. The last point: money is a terrible store of value. Your money tends to inflate, meaning that its worth decreases over time. I think your explanation went into territory that it didn't need to. Your explanation of the creation of money for example seems to imply that the banking system is not involved in the process of money creation when actually the opposite is true."


Used in our day to day activities is going out the house and get something more important that our family desires. But since the economy is not achieving a lot today, thinking about the top dividend stocks is essential. One component that ought to be looked at is the charge. If you're accustomed with buying what you see without even going through the package price, you must modify the way you live your life. Persistence is very necessary for you to be able to find the top dividend stocks. When possible, you should get a less costly alternative on the costly items you utilized to purchase. Be persistent and also save money!


Gold is a good investment when central bank money printers can’t take their thumbs off the print button. Over the last 3 years the US Federal Reserve printed a ton of dollars to bail out banks and to purchase US federal debt. Maybe I should exchange my dollars for euros? The European Central Bank (ECB) is following the FED plan and printing money to buy Greek, Italian, and now Spanish bonds. This, indirectly, is a bailout of French and German banks. Maybe I should exchange my euros for yen? The Bank Of Japan (Japan’s central bank) is determined not to let the yen rise against other currencies so they too are printing money to keep the yen weak. Maybe I should exchange my yen for swiss francs? The Swiss National Bank (Switzerland’s central bank) is also determined not to let the franc rise against other currencies so they too are printing money. You quickly begin to realize that your options are dwindling for places to put your money where the government central bank isn’t working hard to dilute your savings. Physical gold is also a good investment for several other situations: What situations would lead to a drop in gold prices? What are the alternatives? Silver has traditionally been used more as money than gold. Silver is usually used for day-to-day purchases while gold is used for savings.


An economy produces goods and services and people use money to pay for those goods and services. Money has value because people believe that they can buy and sell goods and services with it in that economy. How much the value of money is, is determined by how much money there is in comparison to goods and services (supply and demand). In most economies it is the job of the federal/national reserve bank to ensure that prices stay stable (ie the relationship of goods and services to how much money there is is stable); as this is necessary for a well running economy. The federal reserve bank does so by making more (printing, decreasing interest rates) or less (increasing interest rates) available to the economy. To determine how much money needs to be in the economy to keep prices stable is incredibly hard as many factors have an impact: If the reserve bank gets it wrong and there is more money compared to goods and services than previous, prices will rise to compensate; this is inflation If it's the other way round is deflation. Since it is commonly regarded that deflation is much more destabilizing to an economy than inflation the reserve banks tend to err on the side of inflation.


"To me, your question emphasizes something I've heard many times before: personal finance is as much or more about behavior than it is about mathematics or ""head knowledge"". Sure, you know you shouldn't be wasting a lot of money on something you will use very infrequently, but how do you make this behavior stick? Here are a few tricks that might help: The other aspects of your question really touch more on psychology than finance. But getting yourself into a discipline habit with money will help. And realizing the full cash price of items in relation to how much your disposable income is will help you get control of your impulses, as you review your budget monthly, and keep limit yourself using the envelope system. But honestly, everybody wants stuff they don't have, it's human nature. The key is finding ways to put physical limits and guards on yourself to keep you from obeying the self-destructive impulses."


Catching up to Apple in a market they already dominate is like rolling a stone sphere up a hill. I've seen reviews of the Zune that were pretty good. I don't think it was a terrible device but it came when Apple was hitting the sweet spot of every part of the mobile music market. I wish they had stuck with it. I'd probably switch as I truly loathe iTunes.


Still working on exact answer to question....for now: (BONUS) Here is how to pull a graphical chart with the required data: Therefore: As r14 = the indicator for RSI. The above pull would pull Google, 6months, line chart, linear, large, with a 50 day moving average, a 200 day exponential moving average, volume, and followed up with RSI. Reference Link: Finance Yahoo! API's


What financial instruments are there that are profitable when an underlying assets falls? The instrument you are looking for is called an Option, specifically a Put Option. It allows you, within the validity date, to sell ('Put') the respective shares to the option giver, at the predefined Strike Price. For example, let's assume APPL trades currently at 100 $ per share, and you think they will go down a lot. You buy one Put Option for 100 shares (they always come for larger amounts like 100s) for a Strike Price of 90 $, and pay 5 $ for it (it would be cheap if nobody believes they will fall that much). Note the last sentence under 2. - it is rather easy and very common when trading options to make complete losses. You have been warned. Are they available for IPOs? They could be available for IPOs, even before the IPO. However, someone has to put them out (some large bank, typically), which is some effort, and they would only do that if they expect enough interest and volume in the trade. most of the time, there will be no such options on the market. Are they available for foreign stocks?Yes, but again only selectively - only if the stock is well known and interesting enough for a broad audience.


The $1300 turns into $2817/mo over a year. You've identified just over $1700 in expenses, but clearly missed a lot. Use what you wish, Mint, a spreadsheet, a notebook, I don't care. Just track every penny for a time. My property tax is due quarterly, so 3 months is minimum. It takes a year to get a full view of the items that are seasonal. Unless of course, the winter is mild (and your plowing expenses are low) or the summer is rainy (and the water bill for the grass is low.) Even the above doesn't capture the things that are less regular. The house painting, the heater repair, etc. The exercise itself is a great first step. As others stated $280 for cable/phone? Once you add the missing $900/mo, we'll know more. What's really important is that you look at 100% of where the money goes and decide what the priorities are. No one's judging you, we chose the bigger house over eating out and expensive vacations. It's about knowing and understanding your choices.


Picking yourself is just what all the fund managers are trying to do, and history shows that the majority of them fails the majority of the time to beat the index fund. That is the core reason of the current run after index funds. What that means is that although it doesn’t sound so hard, it is not easy at all to beat an index consistently. Of course you can assume that you are better than all those high-paid specialists, but I would have some doubt. You might be luckier, but then you might be not.


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It will be similar to what you have said -- the options price will adjust accordingly following a stock split - Here's a good reference on different scenarios - Splits, Mergers, Spinoffs & Bankruptcies also if you have time to read Characteristics & Risks of Standardized Options


I can state with absolute certainty that 75K a year would _not_ be the line. If is well above the point where lack of money ceases being a misery generator though. I think I'd probably need a curve to be optimal -- there's a lot of stuff I'd need up front, but once that was done (and a reserve set up for truly awful expenses like insane medical bills) I'm betting a stable flow of 40K/year would keep me very happy indeed. It'd be even less, but I really like to travel, and expansive trips every couple months would get rather expensive. Discounting travel, I could easily be quite happy with half of that.


Being a native app, it can basically do anything on your computer, be it reading documents and sending it to a server or participating in a botnet. The scope is huge and I don't think any individual can be expected to read the source code and audit it fully, but the hope is that enough interested parties will provide enough eyeballs looking through the code to spot any suspicious behavior.


"this guy basically writes a novel and it just comes down to ""people are not sophisticated enough to recognize scams"" ""public blockchains can't scale"" ""we need REGULATION"" At least I got a chuckle out of reading his ramble, I especially liked his declaration of theplasma White paper as creative writing."


If you believe it yourself, you could start with the fact that you look forward to only having to wait on one person instead of the dozen or so you normally wait on. It'll make him feel important and make him feel like you have your shit together.


"This stupid argument again? Testimonies explicitly explain how he was able to pass the blood tests. Don't you see how futile it is to argue that he has never doped just because he passed the blood tests when it is known that he can easily pass them? I'm not saying the lack of positive blood tests classifies as proof of guilt, but it certainly cannot be used to prove his innocence. Let's say you commit a crime and the police comb through the scene of the crime and find none of your fingerprints. Wouldn't it be stupid of you to argue ""You have not found any of my fingerprints at the scene of the crime, therefore I must be innocent!""? You could easily have worn gloves. Likewise it was easy for Armstrong to pass the blood tests even if he was doping, therefore the fact that he passed isn't proof of his innocence."


There is currently a bill in Washington that will change the limit for salaried employees receiving overtime pay. It will be raised to $50400. I work 4 hours of overtime each week, which if the bill is passed, equates to an additional $7800 annually. If my company raises my salary to just above the limit then they would not have to pay the overtime. That would only be a raise of approx. $3000. Why would I want to take the raise, and still have to work the overtime, when I can choose to not take the raise and possibly not have to work it any longer. I would rather have the time off, but if I'm going to have to work it, then I'll take the more than double overtime pay.


Alright it's been a little and I just realized I haven't kept you guys updated Everything went perfectly well. I met the guy I was supposed to meet in front of the store, I queued up with everybody else and the guy handed me discretly 650€. We went in, I bought the shoes, I gave them to him and he stayed inside the store because he was waiting for an uber and outside there was a lot of people who wanted the shoes (80 of them in france) so yeah, I just walked out with 430€ in my walled and here I am, doing perfectly fine with money in my wallet :D End of story, or not because i'll be watching out to other shoes so I can do the same again and apparently 650€ was like waaay underpriced


Start with his website, specifically his seven steps. Most everything else is around motivating people to actually do the plan. As he often says personal finance is 80% personal and 20% finance, by which he means that things that make sense financially (paying off high interest debt first) don't necessarily motivate action (so instead pay off the smallest debt first to get motivation). Really the rest is details around those seven concepts. On his site there is a link to a free one-hour podcast for the iPod, and you can pay for the full three hours of his radio show on podcast. He started on radio, and it is probably his best format. The reason Dave Ramsey has limited appeal beyond the US is that he is explicitly evangelical. He views his system as an extension of his Christian beliefs. That sells very well in parts of the US, but doesn't port very well. There is actually nothing religious in his program, other than the occasional reference to biblical verses in an attempt to tie his program into his religion, but people who are really interested and want to teach his program, not just practice it, are going to find they need to be an Evangelical (or at least a Christian) to fit in. Addendum: I should mention that Dave Ramsey is changing the FPU program (and I expect it will trickle into other things) to be more explicitly (although apparently not overtly) religious and have a stronger emphasis on budgeting. See here.


Just romped a competition my school had, won $100. I'm not participating in this, but the key is to trade options. I made 244% in 2 months off only 3 trades. Won another competition last semester in my investment analysis class as well


"Perhaps you should learn to fucking read. >""By moving to a lower-tax jurisdiction, inversion deals enable companies to save money on foreign earnings and cash stowed abroad, and in some cases lower their overall corporate rate."" What is wrong is the U.S. taxing company profits made in other countries, on other infrastructure, already subject to that country's taxes."


Are these PFIC rules new? No, PFIC rules are not new, they've been around for a very long time. what would that mean if a person owned a non-US company stock, like a company in Europe that makes chocolate? Is that considered assets that produces passive income? No. But if a person owned a non-US company stock like a company that holds a company that makes chocolate - that would be passive income. this is non-US mutual funds that hold foreign shares, like a mutual fund in India, not a US fund which owns Indian stocks? Non-US fund. For those of you who are tax advisors, is the time length (30 hours) true for filing form 8621? I would suggest not to fill this form on your own. Find a tax adviser specializing on providing services to expats, and have her do this. 30 hours for a person who has never dealt with taxes on this level before is probably not enough to learn all about PFIC, the real number is closer to 300 hours. While ZeroHedge article may be a sales pitch, PFIC rules should frighten you if they apply to your investments. Do not take them lightly, as penalties are steep and if you don't plan ahead you may end up paying way too much taxes than you could have.


"It is a scam. Not only will it get your personal information, which could allow him to impersonate you (like, using your identity as the generous lender on a future scam), in order to fulfill the loan, a ""small payment"" for some documents will be needed. And next another for a certificate necessary for lending, and so on. Their goal is to get your money, not lending you any. Aganju hit the nail: how would such person ensure that you will pay back, when he knows absolutely nothing about you? That would have been the #1 priority for someone that decided to invest using such unbelievable schema."


In order: 1.) Speak to car dealership, demand refund. If that doesn't work, 2.) Contact the local authorities. If that doesn't work, 3.) Get in touch with a lawyer. If that doesn't work, (or if it's too expensive), 4.) Get in touch with local media, and have them run a story.


Richard Liu gave up a seven-figure salary this month to get into one of the hottest financial instruments around right now: initial coin offerings. The former China Renaissance deal-maker has since backed a clutch of cryptocoin sales that’ve raised millions -- sometimes in seconds -- often without a single product. From Hong Kong and Beijing to London, accomplished financiers are abandoning lucrative careers to plunge into the murky world of ICOs, a way to amass quick money by selling digital tokens to investors sans banks or regulators. Cut out of the action, a growing cohort of banking professionals are instead applying their talents toward buying or hawking cryptocurrency.


Or, that he'll decide its time to take his money and go sit on an island. What he fails to point out is that, unless he is a petulant idiot, he will mostly likely then sell out to investors without his idiosyncraticies and the business and employees will remain as they were.


Staying out of India for a certain duration on a year (financial year) deems one to be considered NRI (non-resident Indian). NRIs are not taxed under Indian tax law as they are deemed subject to the resident country tax laws, so for NRI there is no tax liability in India. For your specific case, you could consult a Charted Accountant (CA) and he/she will be able to tell you exactly after looking at your financial data.


In a lot of cases, the bank has already made their money. Shortly after you get your mortgage is sold to investors though the bank is still servicing it for a fee. Therefore, if you refinance, they get to sell it again.


"The classic definition of inflation is ""too much money chasing too few goods."" Within a tight range, say 1-3%, inflation is somewhat benign. There's a nice inflation widget at The Inflation Calculator which helps me see that an item costing $1000 in 1975 would now (2010) be about $4000, and $1000 from 1984 till now, just over $2000. I chose those two years to make a point. First, I am 48, I graduated college in 1984, so in my working life I've seen the value of the dollar drop by half. On the other hand it only took 9 years from 75-84 to see a similar amount of inflation occur. I'd suggest that the 26 year period is far more acceptable than the 9. Savers should be aware of their real return vs what was a result of inflation. I'm not incensed either way but logically have to acknowledge the invisible tax of inflation. I get a (say) 6% return, pay 2% in tax, but I'm not ahead by 4%, 3% may be lost to inflation. On the flip side, my mortgage is 3.5%, after taxes that's 2.625%, but less than 0% after (long term) inflation. So as a debtor, I am benefiting by the effect of inflation on what I owe. Interesting also to hear about deflation as we've grown used to it in the case of electronics but little else. Perhaps the iPad won't drop in price, but every year it will gain features and competitors will keep the tablet market moving. Yet people still buy these items. Right now, there's not enough spending. I'd suggest that, good financial advice aside, people as a whole need to start spending to get the economy moving. The return of some inflation would be a barometer of that spending starting to occur."


To add a bit to Daniel Anderson's great answer, if you want to 'peek' at what a the set of bid and ask spreads looks like, the otc market page could be interesting (NOTE: I'm NOT recommending that you trade Over The Counter. Many of these stocks are amusingly scary): http://www.otcmarkets.com/stock/ACBFF/quote You can see market makers essentially offering to buy or sell blocks of stock at a variety of prices.


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"My feeling is that you're basically agreeing to throw away a bucket of money for a lesson that doesn't have to cost a penny. Like another commenter said, you're putting the cart before the horse. I once asked a similar question to a seasoned investor, though I wasn't in the position to toss my hard-earned cash into the well yet. He told me that the difference between the winners and losers is that the winners don't need the money. I'm not trying to say that there's a ""rich keep getting richer ..."" component here, while schlubs like me get nada. The real nugget of wisdom he offered was that if anyone wants to do well as investors, we must invest in a way that we're not dependent on the money we have in the market. Instead, manage risk carefully so that you don’t get swept up in the emotional highs and lows. For you, what I applaud is that you're willing to do your research first. And part of that should be anticipating how you will handle the anxiety when you put your money in at the wrong time or get out a little later than you should. What I understand now is that you don’t need to be wealthy to “not need the money.” You just need to invest smartly and leave your emotions out of it."


Learn from others' mistakes. Pick a hero, or 3. Study them closely. They were people too and faced similar challenges. I'm doing one of the hardest things to do per economic textbooks and general business mythology, which is starting a healthcare service provider (doctors, nurses, etc.). Anything is possible if you work hard enough. And try not to let it consume you haha.


"Ed: Saw your comment, thank you. The short answer (a rough simplification), seems to be that you pay PA income tax for income made in PA. You pay IL income tax for income made in IL, not income made across both states. And you make sure the IL amount paid is correct via a credit calculated on Schedule CR. It looks to me (bear with me, I am no expert on tax law in IL, PA, or in general, so consult a professional for ""good"" advice :), like you basically do this on Schedule CR: It looks like there may be some more pertinent info on Publication 111, so that may potentially change the math a bit too. This check is 2014 income, during which you are a resident of IL. It's income from a PA employer. You must file a tax return in PA regardless, since you ""earned income in PA"". Did your former employer withhold PA income taxes on this particular paycheck? I'm not seeing where it says you should not include tax withheld; could you please point that out? Perhaps they mean you should only include tax actually considered ""due"" on the PA tax return. From IL's Schedule CR instructions: What is the purpose of Schedule CR? Schedule CR, Credit for Tax Paid to Other States, allows you to take a credit for income taxes you paid to other states on income you received while a resident of Illinois. You are allowed this credit only if you filed a required tax return with the other state. You must use information from the tax return you filed with the other state to complete Schedule CR. ... What taxes qualify for the credit? Taxes that qualify for the credit are income taxes you paid to another state of the United States,"