I still love Airbnb for specific types of trips with a group of at least 4 other than that I’ll go with a hotel. I like the amenities of a hotel and I don’t want to spend time cleaning on the back end to make sure I keep my deposit.


''that WE THE PEOPLE did not become owners of the PUBLICLY TRADED companies.'' This statement is inaccurate. The government received stocks, corporate bonds and the likes for every company they helped during the last financial statement. One article I read even suggest that we made a return on our investment with the capital gains , dividend and interest we received. Also dividend is a form of income so you're not giving a new idea you are just changing a word. How would you calculate those dividend? With what money would you pay such a program?


If you're looking to learn more about investing for personal use (as opposed to academic interest), I'd recommend something like The Ages of the Investor instead.


At a certain point, your subordinates will test your limits. Recognize these minor infractions for what they are, and address them immediately. If you cut people slack on coming in late, cutting out early, not doing their job, ect, they will escalate into bigger problems.


GetApproved Motor Finance is trusted in Australia to provide a convenient, fast & low cost service to obtain car finance in Perth. They help you compare car loan & provide low rate car insurance. Jeremy Hughes Perth is a founder of GetApproved Finance, a online car lending provider. Jeremy is a good entrepreneur with skills in Business Planning, Strategic Planning, Marketing Strategy, Consumer Financing etc.


Bach's style has transcended any time period, which is shown by the fact he is still wildly popular. What you are really arguing is that one's fate is determined at birth, and I will not entertain such a stupid thing.


"Another thing that insurance companies try to do with these types of vehicles is to promote the ""cash value"" of the policy. The longer you participate in the policy, the more your cash value goes up (assuming the investments perform reasonably well). The selling point is that at any time you can take out part of that cash value without impacting your insurance policy. A lot of people see that benefit as being the same as either putting the money in the bank or investing it, when actually they could do better if they did either of those things themselves. One true advantage of the whole term policy is that if you should fall on hard times and are not able to work, the premium payments can be taken out of the cash value. That way even if you can't make the monthly payments, the insurance policy basically pays for itself. I actually experienced this myself many years ago after I lost my job and had some health issues. I was out of work a long time, but my life insurance never lapsed. That in itself made it worthwhile for me."


You're correct about the 401(k). Your employer's contributions don't count toward the $18k limit. You're incorrect about the IRAs though. You can contribute a maximum of $5500 total across IRA and Roth IRA, not $5500 to each. There are also limits once you reach higher levels of income. from IRS.gov: Retirement Topics - IRA Contribution Limits: For 2015, 2016, and 2017, your total contributions to all of your traditional and Roth IRAs cannot be more than:


Trains haven't been designed to conduct themselves. Yet. Busses haven't been designed to drive themselves. Yet. Subways haven't been designed to conduct themselves. Yet. Airplanes have been designed to fly themselves and do so for more than 90% of the trip. They also happen to have the safest record of all forms of travel. I never mentioned elevators but both airplanes and elevators are machines that move people from one place to another that used to be operated by a trained professionals and now pretty much run themselves. Both are still monitored by humans in case of emergency. Both still need regular maintenance by highly trained professionals. Both still have the potential to fail and injure or kill their occupants. I see nothing ludicrous about the comparison of the two in the context of automated people-movers.


The best thing about AdvoCare is that not only can you get a great discount on the products you use for yourself but by becoming an Advisor, you can build your own business and be on your way toward reaching your financial freedom. AdvoCare is like owning and operating your own mini franchise without having to pay the huge franchising fee.


I'm going to have to agree with /u/LupusSuperius. That's too broad. I think you should go for economics, that'll cover most of your interests. Then do some reading on investment. I don't have any recommendations for you, though. Hopefully someone will pitch in.


This may be a good or a bad deal, depending on the fair market value (FMV) of the stock at the time of exercise. Let's assume the FMV is $6, which is the break even point. In general this would probably be treated as two transactions. So overall you would be cash neutral, but your regular tax income would be increased by $30,000 and your AMT income by $60,000.


I believe your last requirement is the main problem. AIUI the law requires that ISA providers allow withdrawals. They can require a notice period and they can penalise you (e.g. via lost interest) for withdrawing but they cannot prevent you accessing your money for an extended period.


Initial Margins and Maintenance margins can be used for both stocks as well as futures. It depends on which broker you use and what services they offer. The initial Margin is used to cover the purchase, the maintenance margin is used to ask additional funds in case the value of the underlying equity changes drastically before settlement. You can start with the investopedia article on initial margin and Maintenance margin


There were 100 causes to the current mess and I will assume that we will need 100 solutions, with the stimulus being one. If I use a bucket to bailout 10 gallons of water but in the same time the boat takes on five gallons, I need to stop the leak but I also have to keep bailing.


In addition to being hauled before Congress, Mylan agreed in October to pay $465 million to settle federal allegations that it falsely classified EpiPen to overcharge Medicaid. Mylan did not admit to any wrongdoing. They don't admit to any wrongdoing because that makes the fine tax deductible in most cases. The government let's them do this and the taxpayer get fucked and then pays part of the fine for fucking them. The tax code needs to be rewritten such that any settlement with the government over misconduct is entirely off limits for deduction.


You should also look outside the box. There are non profit credit relief organizations that will give you free credit counseling. Don't pay for it though. There are some organizations that are shady in offering counseling but they wreck your credit by asking you to stop making your payments. Some of the legitimate organizations out there have ties to credit unions and banks that can offer you some loans to consolidate your debt at rates lower than those you mentioned in your questions. You should probably also approach a credit union directly and discuss debt consolidation loan options. Even if you can only knock out the debts with the highest interest rate, that's a good first step.


"We're conditioned to ignore ads. While growing up the ""commercial break"" was used for other activities like getting food or taking a piss. Now with other mediums available including ways to circumvent ads, ie. ad block & streaming, there is minimal penetration. Even ads we cannot block out, ie. billboards, we simply read and forget."


Recently, over 11 lakh PAN cards has been deactivated by the Income Tax Department to fetch out fake and duplicate PANs. The main targets are the individuals who are having multiple PAN cards and those with PAN cards issued under fake documents. Blocking fake PAN cards can help the government restrain identity theft and purchase of benami properties.


"My wife and I maintain seperate accounts. We have the bills split between us so that certain bills are paid by one of us, and other bills by the other. This is not a perfect 50/50 split as we don't make the same amount of money, but comparable enough that neither feels like they're doing all the bills alone. Our investments are similar. That means we each have a pool of money that we can spend on toys or entertainment as we see fit without overspending. Once my bills are paid and my savings are paid for the month, if I want to go buy some DVDs and my wife wants to buy a new lens for the camera, we don't have to agree. We just use our own money and do it. For us that's led to minimal friction or arguments over what to spend money on, simply because we aren't using the same pool. Getting it work requires getting the split right AND having the mindset that the other person is just as entitled to spend their share of the money as you are to spend yours. It really helps to eliminate issues where she spent money that I expected to be able to spend before I could, which can happen in a joint account. (We have no joint accounts, only things like the mortgage are in both our names.) I've been told by more then one person that how we're doing it is ""wrong"", but it works a lot better for us then trying to combine finances ever did. I think it also helps that we're younger, and this seems far less common amongst older couples."


You should not pay down the debt in collections until you have a reasonable amount of money to offer as a settlement. The exception is the traffic fines -- you may have legal liability for not paying them.


A few years back JetBlue offered discounted flights across the States. Reddit pooled money together and bought a guy tickets to destinations selected by Reddit. The guy met up with local Reddit users who showed him around town. His trip ended in jersey where he ended up in jail on murder charges. Apparently he couch surfed at dome guy's house and this guy tried to drug him and sexually assaulted him. He woke up pissed off and killed the dude.


Not really my field but this is how I see the impact Disadvantages for banks : not being able to chose where they park assets/cash they have been trusted with which mean lower income from investing those disadvantage for banks shareholders : less earnings disadvantage for the economy : harder criteria to lend, lower loan growth advantage for the economy : (theoretically) less risks of liquidity crunch and financial crisis


Inflation is a reflection on the expansion of the money supply, aka debt, being created by a central bank. Fiat currencies usually inflate, because there is no limit to the amount of debt that can be created. The consequences of reckless money supply expansion can be seen throughout history, see Zimbabwe, though there have been many others...Brazil, Argentinia, etc...


I tried to look this up. What I understand is that on average infant mortality tends to be under reported in poor areas of poor countries. I'm not seeing anything about a variation in how dead babies are counted in first world countries. Do you have a citation or more information?


Electronics dropshippers will offer you an tremendously big selection of digital merchandise at wholesale selling prices.What ever type of electronic items you are searching for, and regardless if you desire to promote them inside of your store, on your own web page or on eBay you'll discover what you are on the search for the following.


While that sounds reasonable, it looks like most of the actual trading is done on the basis of changes rather than value. At a guess, this is because computing the balance sheet anew with every change inhibits the speed with which transactions can be processed.


There is no such understanding, and that's the point. It's just an appeal to popularity. It's the idea that one group of people can have an understanding and that this somehow applies to those who weren't a part of it. That's not how contracts or agreements work.


Sounds like Haier’s up or out policy where they fire the bottom 10% after performance review coaching. Ruthless improvement culture. A bit sad but perhaps it's just the fact that they've coordinated it. Does anyone know the average annual turnover for a company of that size?


Here is an IRS citation to support my comment above - Exceptions. The 10% tax will not apply if distributions before age 59 ½ are made in any of the following circumstances: Made to a beneficiary (or to the estate of the participant) on or after the death of the participant, Made because the participant has a qualifying disability, Made as part of a series of substantially equal periodic payments beginning after separation from service and made at least annually for the life or life expectancy of the participant or the joint lives or life expectancies of the participant and his or her designated beneficiary. (The payments under this exception, except in the case of death or disability, must continue for at least 5 years or until the employee reaches age 59½, whichever is the longer period.), Made to a participant after separation from service if the separation occurred during or after the calendar year in which the participant reached age 55, Made to an alternate payee under a qualified domestic relations order (QDRO), Made to a participant for medical care up to the amount allowable as a medical expense deduction (determined without regard to whether the participant itemizes deductions), Timely made to reduce excess contributions, Timely made to reduce excess employee or matching employer contributions, Timely made to reduce excess elective deferrals, or Made because of an IRS levy on the plan. Made on account of certain disasters for which IRS relief has been granted.


I agree. One way is to only encourage education if it leads to a job that will pay. Alternatively, make school cheap enough that more degrees become financially logical. One advantage of the second plan is that we keep getting to have arts.


Asian Runway the worlds no.1 Asian modeling agency represents male models, female models, characters, dancers, presenters, actors, hair & makeup artists and voice-over artists for TV commercials, fashion, catwalk and all asian media publications. Asian Runway manages more than 1000 talents across the UK providing models, actors, event managers, promotional staff, presenters, dancers, stylists & make-up artists. Largest agency in Asian society, managing creative talent. Clients range from Advertising & Sales Promotion Agencies to Fashion Retailers and Event & Conference Organizers


U.S. companies have two fundamental problems not within their control (plus others of course) 1. Growth in China is slowing dramatically, cutting prices and demand for commodities we export. Even companies like Yum (which owns KFC) are hurting) 2. European demand for finished and high tech products is down sharply. So while American demand is trying to make a comeback, we are so inter-linked that American businesses cannot fix this by themselves. If I were buying stock, I'd look at companies that produce and sell entirely in the U.S., Canada and Mexico. Edit: And I'd stay the heck away from new investment in the BRICS Edit2: And its fine (from an investment POV ) if companies source parts or material outside of the U.S./Canada/Mexico - just don't count on any sales strength to China or Europe or the BRICS.


"Paying in physical cash is almost never a good idea for large purchases (unless you like being audited and/or having lots of attention from law enforcement). All purchases over $10k in cash need to have special forms filled out for the IRS and Financial Crimes Enforcement Network, so this is not a tinfoil hat conspiracy theory... if you do that on the regular, you ARE being investigated. When people say ""cash"" for normal purchases, they generally mean a wire transfer (e.g. buying a house ""cash"" = wire transfer between banks). In this case, purchasing a company ""cash"" is contrasted with purchasing with stock. So instead of getting $13.7B of AMZN, Amazon takes out a loan (or pulls their money from cash on on hand) and transfers it to the financial institution handling the sale. Everyone who owns WFM stock gets paid out in cash, as opposed to receiving some number of shares of AMZN."


> From what I hear and know you sell when you're up and buy when it's down. That *is* how profit is attained. However, if you're looking to *invest,* both buy and sell decisions should be made after extensive research and, generally, there should be some time between the two offsetting transactions. If you personally decide to *trade*, which is more often and less likely to succeed (per se), that's up to you.


>Think about charging cables on your phone. Is there one kind? No. No one can agree on the standard. This is a bad example. There are a couple of different standards for phone charger cables, most use micro USB, Apple phones use lightning. Simple. >If you are ok with 1 chip, why not 3? Why not 5? There are a few different standards for RFID/NFC cards, the implantable chips are compatible with most of them. Many people do have more than one implant, it's quite common for people to implant one in each hand. >Do some of them track your location? Maybe? It depends what you mean by 'track your location'. There is no way to implant a chip inside a person that will let you remotely tell where they are like a GPS tracking device. They let you track someones location the same way any RFID door entry card does. Eg: Employee #372 entered lab 6F at 13:04.


"Well, they probably don't offer health insurance at all. That means they will have to pay for administrative costs, which are likely negligible for a company that already has HR infrastructure. But the kicker is this: ""employees may not be forced to pay more than 9.5 percent of their family income "" So...if you are paying a someone $2.13 an hour plus tips out of a tip pool (let's say that ends up at $10 an hour -- probably a little high but it will suffice) at 40 hours a week: $1700/mo - SS and taxes...lets say $1500 and they get a $450/month PPO plan (employee only), the company is looking at paying $300/mo per employee. More for those with families. Since they are only paying employees $362/mo out of their own coffers since the remainder are tips, their labor costs increase by about 70-80%. Of course, this only happens to employers that treat their employees like garbage. Personally, I'd wonder if what they are doing with their tip based wage is even legal. Sure doesn't seem like it should be."


Yes, you may do this at any time before signing - but to make a change like this after the official loan documents have been drawn up will cost you extra fees. The typical redraw fee is around $200 in CA. Does it make sense to do so? No, it does not. If you have an extra 1%, it would probably be better to use that money to purchase a lower interest rate. Here's an example: Let's say you're buying a $200,000 house and your offered interest rate is 4.75% (just an example). With 10% down you'd have a loan amount of $180,000 and a p&i payment of $938.97 per month. With 11% down you'd have a loan amount of $178,000 and a p&i payment of $928.53 per month. Now let's pretend you buy your interest rate down to 4.375%. With 10% down you'd still have a loan amount of $180,000 but your p&i payment would be $898.71 per month. Even though the last option gives you the best payment, if I were in your shoes I'd stick with the 10% down and save that extra cash in the bank for a rainy day. Buying a home comes with a lot of new expenses and many are unexpected. Good luck!


"[Eminent domain is unnecessary. ](http://www.independent.org/publications/tir/article.asp%3Fa%3D544&ved=0ahUKEwiUiL-kncHUAhVHwYMKHW-6AwQQFgg3MAk&usg=AFQjCNEmvzrYlgSvtt4g99YoUBtWmu9snA&sig2=hN7CbtXtro_QRwAUrNlCKQ) civ·i·li·za·tion ˌsivələˈzāSH(ə)n/ noun the stage of human social development and organization that is considered most advanced. ""they equated the railroad with progress and civilization"" synonyms:human development, advancement,progress, enlightenment, culture,refinement, sophistication ""a higher stage of civilization"" the process by which a society or place reaches an advanced stage of social development and organization. the society, culture, and way of life of a particular area. plural noun: civilizations; plural noun: civilisations ""the great books of Western civilization"" synonyms:culture, society, nation, people ""ancient civilizations"""


All the time. For high volume stocks, it may be tough to see exactly what's going on, e.g. the bid/ask may be moving faster than your connection to the broker can show you. What I've observed is with options. The volume on some options is measured in the 10's or 100's of contracts in a day. I'll see a case where it's $1.80/$2.00 bid/ask, and by offering $1.90 will often see a fill at that price. Since I may be the only trade on that option in the 15 minute period and note that the stock wasn't moving more than a penny during that time, I know that it was my order that managed to fill between the bid/ask.


I've been at it for 17 years and, in that time, seen thousands of companies skyrocket ahead of me. Are those founders smarter? No. But nor are they necessarily dishonest. In that same time I've seen tens of thousands of companies fail. One thing I know is that being transparent and honest with my clients and employees has led to more personal satisfaction in my life: I'm a very happy person. My friends, employees, and peers respect me. I can look in the mirror and feel good about the path I've chosen. Yeah, maybe I don't get a private jet or that sweet piece of real estate I wanted. But at the end of the day, my happiness is worth more than any trinket. Sounds like you understand that too.


It is a sign of the times. Companies like Monster.com apply to jobs all over the world for their clients, and flood companies with resumes. If you mean this is a metric highly correlated to unemployment, then you are incorrect. Job applications for one job at a Hyundai plant in Alabama are not, in fact, a sign of the times.


Banks are audited, for obvious reasons. Their software is carefully audited and protected, also for obvious reasons. A branch manager can't normally bypass those without getting caught quite quickly. He might be able to issue himself a loan -- but it will have to be a loan that at least appears to conform to the bank's standards, and he'll have to pay it off just like any other loan.


Do you write checks? You are giving your bank account and routing number to anybody you have ever given a check to. Your employer is paying taxes on your behalf, so they need your social security number so they can pay your social security taxes. Account and routing numbers are how deposits are made. If you are concerned, create a free checking account, collect the direct deposit and each payday go to the bank and withdraw your money to put it where you like. Nothing is deposit only because you will want your money back. Finally, you would be shocked at how little it takes to make a draft on your account in the US. Certainly not your SSN, Address, or even your name.


75k is short of the 'highly compensated' category. Most US citizens in that pay range would consider paying someone to do their taxes as an unnecessary expense. Tax shelters usually don't come into play for this level of income. However, there are certain things which provide deductions. Some things that make it better to pay someone: Use the free online tax forms to sandbox your returns. If all you're concerned about is ensuring you pay your taxes correctly, this is the most cost efficient route. If you want to minimize your tax burden, consult with a CPA. Be sure to get one who is familiar with resident aliens from your country and the relevant tax treaties. The estimate you're looking at may be the withholding, of which you may be eligible for a refund for some part of that withholding. Tax treaties likely make sure that you get credit on each side for the money paid in the other. For example, as a US citizen, if I go to Europe and work and pay taxes there, I can deduct the taxes paid in Europe from my tax burden in the US. If I've already paid more to the EU than I would have paid on the same amount earned in the US, then my tax burden in the US is zero. By the same token, if I have not paid up to my US burden, then I owe the balance to the US. But this is way better than paying taxes to your home country and to the host country where you earned the money.


Khắc dấu liền mực -Babylonlaw - 19006681 Dịch vụ Khắc dấu Babylon nhận Khắc dấu liền mực với giá thành rẻ nhất. Dịch vụ Khắc dấu Babylon đảm bảo Khắc dấu liền mực nhanh chóng, rõ nét, đúng kiểu dáng và mẫu mã theo yêu cầu của khách hàng. Khách hàng có thể đặt Khắc dấu liền mực tại Babylon bất cứ khi nào khách hàng cần, chúng tôi sẵn sàng phục vụ 24/24h tất cả các ngày trong tuần. Với đội ngũ nhân viên năng động, nhiệt tình, có kỹ thuật cao và giàu kinh nghiệm, dịch vụ Khắc dấu Babylon đảm bảo đem đến cho khách hàng những sản phẩm có chất lượng, giải pháp tối ưu và dịch vụ hoàn hảo nhất. Được đầu tư hệ thống máy móc, trang thiết bị hiện đại (Khắc dấu bằng phương pháp công nghiệp, sử dụng kỹ thật Laser) Khắc dấu Babylon nhận Khắc dấu liền mực chìm hoặc dấu nổi với công nghệ hiện đại nhất. Ngoài ra chúng tôi còn cung cấp các loại dấu của các hãng dấu nổi tiếng như: Shiny, Trodat, Colop,...Hiện chúng tôi nhận làm các mẫu dấu như: - Dấu hộp lật tự động (Mặt dấu khắc bằng tia laser, sắc nét, độ bền cao) - Dấu cán (Chấm mực tampon). - Dấu kiểm dịch, dấu bấm chì, dấu lăn gạch, dấu đóng gốm. - Dấu đóng date, đóng số (tự động, điều chỉnh bằng tay). - Dấu thực hiện theo mẫu khách hàng,... Khắc dấu Babylon luôn đặt lợi ích của khách hàng lên hàng đầu và làm hài lòng mọi khách hàng dù là khó tính nhất, chúng tôi đảm bảo mang đến cho khách hàng các sản phẩm dấu liền mực chất lượng cao với giá thành rẻ nhất. Khách hàng Khắc dấu liền mực tại Babylon sẽ được đảm bảo một số lợi ích từ dịch vụ như: - Tư vấn những giải pháp hợp lý, tối ưu, phù hợp nhu cầu Khách hàng; - Tư vấn dịch vụ thành lập doanh nghiệp miễn phí - Giao hàng tận nơi trong thời gian nhanh nhất (Giao hàng trên phạm vi toàn quốc); - Giao hàng chính hãng, chất lượng đảm bảo; - Quý khách đặt hàng với số lượng lớn sẽ được giảm giá. Hãy liên hệ với Babylon để được tư vấn miễn phí và được cung cấp các dịch vụ Khắc dấu tốt nhất! Hà Nội City: P.G03, Tòa nhà 133 Thái Hà, Đống Đa, Hà Nội Tel: 043.5381159 - 043.5381160 Hotline: 1900 6655 - Fax: 043.5381170 Hồ Chí Minh City: P. 802 - số 180-182 Lý Chính Thắng - P9.Q3 Tel: 0839.315.382 - Hotline: 1900 6655 Mobile: 093.601.1786 Hải Phòng City: Số 5 Nguyễn Bình - Đổng Quốc Bình - Ngô Quyền Tel: 031.3261.886 - Hotline: 1900 6655


Up the standards for employment, raise the wages, and give your people customer service oriented training, and McDonald's service could be as good as chikfila's. And it is already proven that people will pay slightly more for great service (chikfila) so they could definitely sustain it with a price increase.


All of this makes perfect sense and I can definitely see the logic behind it. But I don't think Hedge Funds are the way to go. The real money lies in real estate, more specifically land-banking. The problem, though, is that a lot of land-banking investments are really just scams and it's really hard to tell which ones are real and which ones are fake.


Well i agree but companies like facebook are sort of natural monopoly. If you putted on a graph maybe it wont look like that but if you use a social account then you do not need to use another one and if you are going to choose one you ll most likely choose the biggest one? I think this applies to most internet based companies and we know america has lot of.


I have found The DRiP Investing Resource Center to be a useful resource for more information about DRIP investing. Moneypaper.com offers a list of companies offering both direct purchase options and dividend reinvestment plans. For those offering dividend reinvestment plans, but not direct purchase, you have the option of using a service to purchase your first shares to enroll in the DRIP program. The tax paperwork for DRIPs is a pain due to the partial shares purchased over time when you have to figure out your own cost basis upon sale of shares , but a spreadsheet and a FIFO (first in first out) approach makes it not too much of a headache. -MU


It is very simple. You bought the house when prices were near their peak in 2008. Housing prices have dropped considerably since then which was the main cause of the mortgage debacle because people had houses that were worth less than their mortgages.


I suggest to start charging slightly more than needed to cover expenses. All you need is to show profit. It doesn't have to be significant - a couple of hundred of dollars of consistent yearly profit should suffice to show a profitable business. Then you can deduct on Schedule C all the related expenses. The caveat is that the profit (after the deduction of the expenses will be a bit smaller) will be subject to not only income tax but also the self-employment tax. But at least you'll pay tax on profit that is not entirely phantom. I remember suggesting you getting a professional consultation on this matter a while ago. You should really do that - talk to a EA/CPA licensed in your state, it may be well worth the $100-200 fee they'll charge for the consultation (if at all...).


Yes, you can send in a 2012 1040-ES form with a check to cover your tax liability. However, you will likely have to pay penalties for not paying tax in timely fashion as well as interest on the late payment. You can have the IRS figure the penalty and bill you for it, or you can complete Form 2210 (on which these matters are figured out) yourself and file it with your Form 1040. The long version of Form 2210 often results in the smallest extra amount due but is considerably more time-consuming to complete correctly. Alternatively, if you or your wife have one or more paychecks coming before the end of 2012, it might be possible to file a new W-4 form with the HR Department with a request to withhold additional amounts as Federal income tax. I say might because if the last paycheck of the year will be issued in just a few days' time, it might already have been sent for processing, and HR might tell you it is too late. But, depending on the take-home pay, it might be possible to have the entire $2000 withheld as additional income tax instead of sending in a 1040-ES. The advantage of doing it through withholding is that you are allowed to treat the entire withholding for 2012 as satisfying the timely filing requirements. So, no penalty for late payment even though you had a much bigger chunk withheld in December, and no interest due either. If you do use this approach, remember that Form W-4 applies until it is replaced with another, and so HR will continue to withhold the extra amount on your January paychecks as well. So, file a new W-4 in January to get back to normal withholding. (Fix the extra exemption too so the problem does not recur in 2013).


"If you must play with these scammers, be sure to open a new account, at a new bank, in order to supply ""personal banking information"". If it does pan out and they give you some money, you can always move it to your real bank account. Be sure to deposit into the new account no more than you're willing to lose to them."


If your partner starts cheating you or you have a doubt on it, don’t go directly and blame him/her. Before taking such step, first start noticing your partner’s behavior and make full proof of that. You can also hire investing agencies that help you in partner background checks.


>Like TV, where the shows are worth nothing I'm pretty sure people work on television shows and want to get paid. I still don't understand the concept of immediate public domain for performances. If I pony up to put on a production, why does the fact that that production was recorded make it free to everyone?


Go to a large reference library and ask to see the Wall Street Journal for October 13 1992.


Banana Republic is so sad. when I first encountered them in the 80s they **were** an outlet store - they bought left over crap from all over the world and sold it to college kids on the cheap. Then they got bought by The Gap...


"Its amazing how little users in the business subreddit know or even have a basic understanding of bitcoin/cryptocurrencies when people are literally investing [more than a billion dollars](http://blocktribune.com/september-promises-busy-ico-market/) and as the op article states is worth over a hundred billion dollars in just 9 months. Some of you are calling it a ""bubble"" and while that may be true for the entire market (leaving some of these startups dead in the water), bitcoin is merely gaining traction as it has done since it was worth pennies. It rises, dips, rises higher, dips, rises to even higher heights. There is revolutionary technology in cryptocurrencies that people in the forefront of business should be paying attention to. Some of the cryptocurrencies are going to succeed, it's just a matter of which ones. Bitcoin is not a bad bet."


"Probably leads to increased sales for a period thereafter, plus new Prime memberships. Disclosure about Prime members is nonexistent, but an increase would be seen in its ""unearned revenue"" account in the next quarter's report. FTA: >“Tens of millions” of Prime members made a purchase during the sale this year, more than 50 percent higher than last year, Amazon said. It's never bad to remind tens of millions of people why they pay you $99/yr."


Timo's concern may be accurate, but talking to the bank is the next step. If I am the banker, I'm happier that (a) there's 25% down, and (b) it's not an additional loan as some might get from a parent. It's not that your parents have a lien for the 25% as a lender would, the structure is ownership, they own 25%. An important, if not obvious, distinction. Timo is right that as an asset of the parents, the ownership stake is at risk if their finances run into issues. Other than that, so long as all is done above board, your proposal can work. The bank will want your parents to sign the note of course, you can't mortgage property you don't fully own.


Creditworthiness is proven over time. The longer your track record of making payments on time, the more probable you will stick to credit agreements in future (or so the reasoning goes). Conversely, someone who has only just started applying for credit could be someone whose finances were previously stable but have now started to get into difficulty. Obviously this is not necessarily the case but it is one possible inference. This inference is strengthened when same person applies for further credit in a short space of time. Ultimately, what is considered positive is a stable credit record over a reasonable period of time, because it indicates you stick to payment schedules and don't suddenly need credit due to money problems. Credit card accounts are considered a good indicator of credit status because they imply what kind of borrower you are. Whereas many credit arrangements present a straightforward case of arrears / no arrears (e.g. think of a mobile phone account – either you pay your bill or you don't), with credit cards there is an element of flexibility in how much you borrow, and how much of that you repay. If you run up four figure monthly balances but clear them in full each month without fail, that is a good sign. If your average balance is increasing and you are paying on time but just the minimum amount, that is a potential flag. In other words, credit cards are of particular interest because they paint a more nuanced picture. Provided you use one responsibly, getting and using a credit card may improve your status with credit reference agencies.


A traditional bank is not likely to give you a loan if you have no source of income. Credit card application forms also ask for your current income level and may reject you based on not having a job. You might want to make a list of income and expenses and look closely at which expenses can be reduced or eliminated. Use 6 months of your actual bills to calculate this list. Also make a list of your assets and liabilities. A sheet that lists income/expenses and assets/liabilities is called a Financial Statement. This is the most basic tool you'll need to get your expenses under control. There are many other options for raising capital to pay for your monthly expenses: Sell off your possessions that you no longer need or can't afford Ask for short term loan help from family and friends Advertise for short term loan help on websites such as Kijiji Start a part-time business doing something that you like and people need. Tutoring, dog-walking, photography, you make the list and pick from it. Look into unemployment insurance. Apply as soon as you are out of work. The folks at the unemployment office are willing to answer all your questions and help you get what you need. Dip into your retirement fund. To reduce your expenses, here are a few things you may not have considered: If you own your home, make an appointment with your bank to discuss renegotiation of your mortgage payments. The bank will be more interested in helping you before you start missing payments than after. Depending on how much equity you have in your home, you may be able to significantly reduce payments by extending the life of the mortgage. Your banker will be impressed if you can bring them a balance sheet that shows your assets, liabilities, income and expenses. As above, for car payments as well. Call your phone, cable, credit card, and internet service providers and tell them you want to cancel your service. This will immediately connect you to Customer Retention. Let them know that you are having a hard time paying your bill and will either have to negotiate a lower payment or cancel the service. This tactic can significantly reduce your payments. When you have your new job, there are some things you can do to make sure this doesn't happen again: Set aside 10% of your income in a savings account. Have it automatically deducted from your income at source if you can. 75% of Americans are 4 weeks away from bankruptcy. You can avoid this by forcing yourself to save enough to manage your household finances for 3 - 6 months, a year is better. If you own your own home, take out a line of credit against it based on the available equity. Your bank can help you with that. It won't cost you anything as long as you don't use it. This is emergency money; do not use it for vacations or car repairs. There will always be little emergencies in life, this line of credit is not for that. Pay off your credit cards and loans, most expensive rate first. Use 10% of your income to do this. When the first one is paid off, use the 10% plus the interest you are now saving to pay off the next most expensive card/loan. Create a budget you can stick to. You can find a great budget calculator here: http://www.gailvazoxlade.com/resources/interactive_budget_worksheet.html Note I have no affiliation with the above-mentioned site, and have a great respect for this woman's ability to teach people about how to handle money.


I don't think you understand human rights. Human rights aren't something enforced on someone, they are inherent in a person's humanity. If you don't want to participate in society (pay taxes) and would prefer giving up your citizenship or spending time in jail you can choose to stop paying taxes. It is also important to realize corporations pay a smaller proportion of US tax revenue than they have since before world war 2. Corporations are not pulling their weight considering the benefits they are granted by the US Government. Your silly argument against paying taxes because you think people worse off economically then you don't deserve the joy of having a family is depressing. The United States is the wealthiest nation in the history of world and people are having on average far fewer children than in the past. Having a lot of young people is beneficial to the country. The fact their parents are forced to work so much they can't raise their children adequately is a failure of the economy and society, not a personal failure of an individual. Unless you think a poor family in Idaho is responsible for the demise of global capitalism, the financialization of the economy, and the cultural counter revolution against the working class.


"Here's another example of such a practice and the problem it caused. My brother, who lived alone, was missing from work for several days so a co-worker went to his home to search for him and called the local Sheriff's Office for assistance. The local fire department which runs the EMS ambulance was also dispatched in the event there was a medical emergency. They discovered my brother had passed away inside his home and had obviously been dead for days. As our family worked on probate matters to settle his estate following this death, it was learned that the local fire department had levied a bill against my brother's estate for $800 for responding with their ambulance to his home that day. I tried to talk to their commander about this, insisting my brother had not called them, nor had they transported him or even checked his pulse. The commander insisted theirs was common practice - that someone was always billed for their medical response. He would not withdraw his bill for ""services"". I hate to say, but the family paid the bill in order to prevent delay of his probate issues and from receiving monies that paid for his final expenses."


I'm not talking about the CFA, I'm talking about the entire finance industry, ethics make it all possible. Ethics provides room for trust between entities inside and outside the industry. Think about it, if you are a small cap private company wanting to go public, you **trust** that the underwriter will pay equity holders fairly for their units of equity. If there is no trust in the price, then there will be no underwriting, and no IPO for a new stock to enter the public markets. If there is no trust between fund managers and financial reports, the. There is no trust in estimated prospects and everything will be shriveled into speculative dangerous zones of future uncertainty. There's always a difference between being genuinely wrong and being a liar. TL;DR industry wide standards of ethics builds a foundation for trust which everyone uses directly or indirectly in finance.


YMCbuzz: since your profile says you are in Canada, you are in luck. Canadian banks must turn over their unclaimed accounts to the bank of Canada. They have an Unclaimed Balances page that has a search feature to see if you have missing millions from long lost relatives.


What drives the stock of bankrupt companies? The company's potential residual assets. When a company goes bankrupt it is required to sell its assets to pay off its debts. The funds raised from selling assets go to the following entities: The usual order of debt repayment, in terms of the lender, will be the government, financial institutions, other creditors (i.e. suppliers and utility companies), bondholders, preferred shareholders and, finally, common shareholders. Depending on the amount of debt and the value of a company's assets, the common shareholders may receive some left over from liquidated assets. This would drive the stock price of a bankrupt company.


Yeah, totally. The worst thing about being a programmer is the endless skills treadmill. (Especially if you're involved in anything Microsoftian) There's just constant API and framework churn, usually for very minor if not nonexistent benefits. But the job market harshly judges anyone who doesn't keep hopping onto the latest trend and building up critical 'years of experience' in the latest language or API. Microsoft is also a notoriously unpleasant place to work among the top-tier software companies, thanks to intense politics and their godawful stack ranking system that guarantees good employees will get bad reviews.


"This is the best tl;dr I could make, [original](http://www.dw.com/en/eu-finance-ministers-propose-new-tax-code-for-internet-giants-google-facebook/a-40540293) reduced by 83%. (I'm a bot) ***** > Google and Facebook may soon face significantly higher tax bills, after Europe&#039;s big powers on Saturday put forward proposals on a new tax system they say is designed for the digital age. > During Saturday&#039;s EU finance minister summit in the Estonian capital of Tallinn, ministers from France and Germany urged bloc partners to consider an emergency tax bill that would force internet companies to pay tax in every country where they earn revenue, rather than where they book profits. > Europe-wide tax reform requires the unanimity of all 28 states, which in the past has proven nearly impossible on tax issues. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/70vuwu/eu_finance_ministers_propose_new_tax_code_for/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~212177 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **tax**^#1 **minister**^#2 **digital**^#3 **European**^#4 **profit**^#5"


The PAYE tax and NI will be deducted as usual. Send HMRC a P85 form to tell them you're emigrating, and they will refund the tax.


"This article makes a fairly biased point about how morally wretched suits MIGHT have caused one girl to commit suicide at one hospital in Australia . Then wildly extrapolated that point to make it sound like business people can't run businesses. Finally, the article states that business people are needed to run a business because businesses are businesses And doctors are doctors. I get that this plays on reddits ""does anyone else le STEM :D"" argument that mostly turns into hatred for ""lesser"" majors. Business included, as always. So I can see why this article can lead to entertaining discussion. But I want the time I took to read this article back."


Again, I get it but you can't honestly argue that random people or companies deciding which regulation they want to follow is at all good. You agreed this time but what about next time? The one after that? You can already see this problem. You summarily dismissed zoning laws because 'they aren't comparable' but that's your opinion. You, apparently, think that Uber can just decide it doesn't like them so does that mean YOU just get to decide what is and isn't comparable. That's not how this works.


Thank you!! That was amazing! This is something that I think many people take for granted and have no idea about, up till now myself included. Your explanation was simple, and easy to understand and as result you have made me a little more educated. Thank you!


Walmart has in store pickup. Also, I recently looked at tablets at Fry's Electronics. They were not powered up, and there were several more times more customers than salesmen. People threatened to shop elsewhere and the salesmen couldn't care less. Similar to a warehouse with cash registers in front.


I should have said 'insane inflation related to rising costs versus wages'. It used to be that wage inflation outpaced product inflation. It's been in reverse for some time, which only exacerbates the problem as it continues. I'm aware in the manner our economy works some matching or reversal should be expected, but we've been in a downward spiral for the better part of 30 years.


I cannot speak for the specific jurisdictions but you will generally pay income tax in each jurisdiction and be required to declare your foreign income in both. Your annual assessment takes into account both domestic and foreign income so sadly, there is no tax windfall to you. I would imagine that Finland and Belgium have tax treaties so you will not have to pay tax twice. You need an accountant in both countries to sort this for you.


I was frankly surprised at the writing style and the amount of info presented in this post. Are you interested to accept a guest blogging gig for a blog with the same niche topics that you deal with? Please let me know..


You can register a limited company and leave it dormant, that's no problem. You just need to make sure that later on you notify HMRC within 3 months of any trading activity. As pointed out, you can register a company in a few hours now so I wouldn't worry about that. Your confusion about Private Limited Companies is understandable, it's often not made clear but UK formation services standard packages are always Private Limited by Shares companies. Limited by Guarantee is something else, and normally used by charities or non-profits only. See explanations here. Registering for VAT is optional until you reach the £81,000 turnover threshold but it can make your services more attractive to large companies - especially in your field of business. You should really seek professional advice on whether or not this is the best option for you.


Yes and no. There is no actual money involved - just assumed value. Imagine you own a picture that you painted yourself, and all your friends agree it is worth 1000 $. You feel like you have a 1000 $-picture. Now a guy with some more knowledge visits you, and tells you that it is really only worth about a 100 $. Did you just lose 900 $? If yes, where did the money go?


From the business side of credit cards, Discover and American Express carry their own risk. AmEx has lent their logo to banks such as Bank of America (BofA) to use the AmEx transaction network, but the financial risk and customer service is provided by BofA. Visa and MasterCard let banks use their logo and process through their respective networks for a fee. The financial risk of fraud, non-payment from merchants, etc is the risk that the individual banks carry.


We haven't even got a show with spaceships and other worldly exploration. I miss Stargate Universe. TV is failing because all the programming sucks look at history channel when was the last time it showed a documentary with Robert Mudd narrating heck they don't even show documentaries anymore that is why I canceled our TV my mother in law has a DISH but I have watched it only a couple of times because news hits reddit 3 days before any major station and they are all so biased its sickening. Maybe we need more logging swamping and reality tv. I won't pay for the crap they show these days and I don't there are other things in life I have discovered are way better than TV. My wife and I don't miss it one bit.


The size of our government has been growing right alongside the inequality gap. I would say there is a connection, as the wealth of the many is funneled to the cronies of the few. Remember, a majority of our Representatives comprise the 1%, its no secret they help each other out.


It was easy to get my first job out of college, but I had pretty direct experience from working at a job during college. To give more specific detail, my first job was doing marketing on the digital side (CRM, website, analytics, etc.). I was able to apply what I learned in economics (multivariate testing) to marketing. So, while there was a little learning curve with the marketing side of things, working with CRM in the past and understanding how to apply my economics degree to marketing allowed me to get the job. Like I said, you can do anything with an econ degree.


">No they pay less Except they don't. Just look at the tax brackets. It's progressive. The more you make, the higher your tax rate. 10% $0 to $9,275 $0 to $13,250 15% $9,276 to $37,650 $13,251 to $50,400 25% $37,651 to $91,150 28% $91,151 to $190,150 33% $190,151 to $413,350 35% $413,351 to $415,050 39.6% $415,051 or more See how the % increases with increased income? That's called a progressive tax system. Can you say ""progressive""?"


Now, I have kept this money and after interval of 6 month or year whenever the USD price go up, I do exchange with Indian currency and deposit in my account. Now do I have to pay Tax on this money? No you are not required to pay any tax as the income was accrued when your were NRI for tax purposes. The Foreign currency upto USD 2000 can be held by an individual without any time limit. i.e. you can convert then whenever you want. There is nothing that needs to be declared in Tax Returns.


To start with, you are right, there shouldn't be any additional fees other than the currency exchange fee - I'm not sure of the exact fee for Natwest, but for Halifax this was around 2.5% for big currencies like the Euro. However, Germany doesn't actually use debit cards nearly as much as we do here in the UK, so you will almost certainly need cash. Rather than taking this from a currency exchange booth, what you should do in order to get the lowest fees is head straight to the ATM of any bank, and put your card in to make a cash withdrawal. It will almost certainly ask if you want to use their exchange rate, which it will show you, and you will almost certainly be better turning this down and allowing Natwest to do this for you. Dependent on the bank their currency exchange spread may be as high as 4.5%. I hope this helps, it certainly saved me a lot of money when I have been going abroad.


It's hard to fathom what Boeing was thinking with this strategy. The [Theory of Constraints](http://en.wikipedia.org/wiki/Theory_of_Constraints) is a pretty fundamental business theory that predicts their ability to manufacture a quality airplane profitably will only be as good as their weakest supplier. In other words, outsource too much and you're almost certain to lose.


To some travelers, the hotel is critical to the experience. We report on the newest, most noteworthy hotels; old classics we still love; or someplace fun and funky that reflects a special mood. Anything goes: prices range from modest to lavish. http://travelsquire.com/category/hotels/


"It is possible to achieve a substitute for refinancing, but because of the ""short"" life of cars at least relative to housing, there are no true refinancings. First, the entire loan will not be able to be refinanced. The balance less approximately 80% of the value of the car will have to be repaid. Cars depreciate by something like 20% per year, so $2,000 will have to be repaid. Now, you should be able to get a loan if your boyfriend has good credit, but the interest rate will not drop too much further from the current loan's rate because of your presumably bad credit rating, assumed because of your current interest rate. While this is doable, this is not a good strategy if you intend to have a long term relationship. One of the worst corruptors of a relationship is money. It will put a strain on your relationship and lower the odds of success. The optimal strategy, if the monthly payments are too high, is to try to sell the car so to buy a cheaper car. The difficulty here is that the bank will not allow this if balance of the loan exceeds the proceeds from the sale, so putting as much money towards paying the balance to allow a sale is best. As a side note, please insure your car against occurrences such as theft and damage with a deductible low enough to justify the monthly payment. It is a terrible position to have a loan, no car, and no collateral against the car."


We don't really know the official reason for his dismissal, and might not until it goes to court. It was probably a mistake to post a 'manifesto' to a company-wide message board. Message boards in general are a bad idea, but especially internally to a business, I'm not sure what Google was thinking when they came up with that. It certainly gives employees the ability to express hostility in a broad manner.


You can use www.mint.com for most of your requirements. It works great for me, it's free and I'd say is secure. Hosting that kind of service just for your will be time-consuming and not necessarily more secure than most of the stuff that is readily available out there. Good luck.


It's not just you. A few things have changed, though... * US GDP increased nearly $5 trillion * SP 500 Book value per share is up 50% * Real income per capita is flat * Participation rate is at late 70's levels It appears that NOT solving problems is very profitable for some of us. Maybe the Iphone 9 and a self-driving party bus will make everything better.


From my limited experience, I've never had trouble finding a job that paid more than minimum. Usually, the lowest I've seen for menial work is 8. Granted, that's still not good, but it may be a sign businesses are prepared to handle a minimum increase.


"This is not only a scam but it is potentially fraud that may get you in trouble. This ""friend"" of yours will wire you some money in which you do not know where this money is really from. It's obvious from other answers that his story is fictitious. Thus it is likely that this money was stolen through another scam/hack in which now he wants to wash this money through your bank account. If it turns out that is was stolen, any money you withdrawal for your ""cut"", will have to be returned and your account will be frozen."


"On 3# - My company is constantly complaining about saving money, cutting costs. Then we have these events, and banners, and trinkets and bullshit about our new ""mission statement"" - everyone here just sees them pissing away money (millions) while bitching about money. That's a fucking drag on company morale. Then again, #8 - my job is being phased out, so it's not like I really like this place anyway."


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"> I went into my store, repeatedly during this 6 week boycott and the shelves were always stocked and being stocked. I guess the daily pictures in the news of empty shelves must have been fabricated then. You are completely delusional if you think 2M people said to themselves ""I'm boycotting Market Basket due to this ridiculous internal power struggle that's going on."" The reality of the matter is that news outlets were running stories daily about bare shelves and all the nonsense going on outside the stores. As a result, customers went to one of the many other options in their area to buy their groceries. Most customers don't give a damn about some random CEO, whose name they had no clue of before this ridiculous incident, being fired."


"Bob should treat both positions as incomplete, and explore a viewpoint which does a better job of separating value from volatility. So we should start by recognizing that what Bob is really doing is trading pieces of paper (say Stocks from Fund #1 or Bonds from Fund #2, to pick historically volatile and non-volatile instruments.*) for pieces of paper (Greenbacks). In the end, this is a trade, and should always be thought of as such. Does Bob value his stocks more than his bonds? Then he should probably draw from Fund #2. If he values his bonds more, he should probably draw from Fund #1. However, both Bob and his financial adviser demonstrate an assumption: that an instrument, whether stock bond or dollar bill, has some intrinsic value (which may raise over time). The issue is whether its perceived value is a good measure of its actual value or not. From this perspective, we can see the stock (Fund #1) as having an actual value that grows quickly (6.5% - 1.85% = 4.65%), and the bond (Fund #2) as having an actual value that grows slower (4.5% - 1.15$ = 3.35$). Now the perceived value of the stocks is highly volatile. The Chairman of the Fed sneezes and a high velocity trader drives a stock up or down at a rate that would give you whiplash. This perspective aligns with the broker's opinion. If the stocks are low, it means their perceived value is artificially low, and selling it would be a mistake because the market is perceiving those pieces of paper as being worth less than they actually are. In this case, Bob wins by keeping the stocks, and selling bonds, because the stocks are perceived as undervalued, and thus are worth keeping until perceptions change. On the other hand, consider the assumption we carefully slid into the argument without any fanfare: the assumption that the actual value of the stock aligns with its historical value. ""Past performance does not predict future results."" Its entirely possible that the actual value of the stocks is actually much lower than the historical value, and that it was the perceived value that was artificially higher. It may be continuing to do so... who knows how overvalued the perceived value actually was! In this case, Bob wins by keeping the bonds. In this case, the stocks may have ""underperformed"" to drive perceptions towards their actual value, and Bob has a great chance to get out from under this market. The reality is somewhere between them. The actual values are moving, and the perceived values are moving, and the world mixes them up enough to make Scratchers lottery tickets look like a decent investment instrument. So what can we do? Bob's broker has a smart idea, he's just not fully explaining it because it is unprofessional to do so. Historically speaking, Bobs who lost a bunch of money in the stock market are poor judges of where the stock market is going next (arguably, you should be talking to the Joes who made a bunch of money. They might have more of a clue.). Humans are emotional beings, and we have an emotional instinct to cut ties when things start to go south. The market preys on emotional thinkers, happily giving them what they want in exchange for taking some of their money. Bob's broker is quoting a well recognized phrase that is a polite way of saying ""you are being emotional in your judgement, and here is a phrasing to suggest you should temper that judgement."" Of course the broker may also not know what they're doing! (I've seen arguments that they don't!) Plenty of people listened to their brokers all the way to the great crash of 2008. Brokers are human too, they just put their emotions in different places. So now Bob has no clear voice to listen to. Sounds like a trap! However, there is a solution. Bob should think about more than just simple dollars. Bob should think about the rest of his life, and where he would like the risk to appear. If Bob draws from Fund #1 (liquidating stocks), then Bob has made a choice to realize any losses or gains early... specifically now. He may win, he may lose. However, no matter what, he will have a less volatile portfolio, and thus he can rely on it more in the long run. If Bob draws from Fund #2 (liquidating bonds) instead, then Bob has made a choice not to realize any losses or gains right away. He may win, he may lose. However, whether he wins or loses will not be clear, perhaps until retirement when he needs to draw on that money, and finds Fund #1 is still under-performing, so he has to work a few more years before retirement. There is a magical assumption that the stock market will always continue rewarding risk takers, but no one has quite been able to prove it! Once Bob includes his life perspective in the mix, and doesn't look just at the cold hard dollars on the table, Bob can make a more educated decision. Just to throw more options on the table, Bob might rationally choose to do any one of a number of other options which are not extremes, in order to find a happy medium that best fits Bob's life needs: * I intentionally chose to label Fund #1 as stocks and Fund #2 as bonds, even though this is a terribly crude assumption, because I feel those words have an emotional attachment associated to them which #1 and #2 simply do not. Given that part of the argument is that emotions play a part, it seemed reasonable to dig into underlying emotional biases as part of my wording. Feel free to replace words as you see fit to remove this bias if desired."


You don't seem to have any particular question to be answered. Your understanding of RRSPs seems to be very good. Have you considered whether you might be better off putting your retirement savings into a TFSA instead? Both types can protect your growth from taxation (provided you reinvest the refund from the RRSP). The main way in which the RRSP is better than TFSA is that you can pay the tax on the contribution at a time when your income is lower, and thus have a lower marginal tax rate. Most people retire with a lower income than during their earning years, but it's a matter of tax brackets. If you think you'll be in the same bracket (same marginal tax rate) when you retire, then the TFSA and RRSP work out even in that regard. So in your case, the question you want to ask yourself is: when I retire, will I have an income (including CPP, OAS, pension payments, etc) that exceeds $45,282 worth of today's dollars? If so, your RRSP holds no advantage over the TFSA. In fact, the RRSP may even be worse, since the withdrawals count as income and reduce the amount of OAS and perhaps GIS payments that the government gives you - at least under current regulations. If you're unsure, I suggest you try this calculator from taxtips.ca that runs both scenarios and helps you see which one is more beneficial. It even factors in the OAS/GIS clawbacks.


Andere open brandhout zoals eik brandt langzaam maar maakt goed open haard hout. Al het hout is kunstmatig gedroogd om u perfect verwarming ervaring in de late winter 's avonds evenals het behoud van milieu veilig en gezond . Krijg gedroogd brandhout in grootte blokken om gemakkelijk een voorraad op uw haard .


The main argument that comes in favor of the [Ranches for Sale in Texas](http://www.texashuntingland.com/) and how they can support a person spends in his own long term is related towards the concept of producing a transform. Individuals are often frightened to make this kind of a stage as a result of the truth that this really is related to their comfort and ease zone.


The shower installed in your bathroom is the crown of this area in your home. But it remains the same until it is taken care of in the best way possible and it stays away from costly shower repairs. One thing that we can do to make sure that this crown stays the crown forever is that we can research well before buying. Remember that the quality plays a huge role in how it is going to perform 1 year down the line.


For corporate finance you probably don't need it. You say you want to have a year of job experience after you get your degree but instead I would recommend getting an internship next summer before your senior year, that would be a lot more helpful and if you do a good job it is likely whatever company you intern for will offer you a full time job after graduation. The CFA is more for people who want to work on wallstreet and such. If you still want to take it, my recommendation would be to try and take the first level test in college and try to find scholarships and help for it. I had a friend who had the test and all the study material paid for by the university (of arizona).


"In my opinion, the key variable for you (and others) is not age, but ""vintage."" Your ""age"" suggests that you were born in the mid-1980s, in the middle of a bull market. The most remunerative investing periods for you are likely to be in your childhood (past) and middle age (forties and early fifties). Also your, ""old-old"" period (around age 80, in the 2060s), if you live that long. For now, you can, and perhaps should invest cautiously, like today's 40-year olds, with a heavy emphasis on bonds. The main difference between you and them is that you can shift to stocks in about ten years, in your mid to late 30s, while they will find it harder to do so when approaching old age."


Now, what if I were to spend the entire $2,000 limit on a single purchase? I've been saving up in anticipation of this purchase and therefore have the money already set aside in the bank, so I could pay off the entire $2k immediately. There is no problem with doing this. There's a bit of a time delay in credit reporting, so if you pay immediately in the middle of your statement period it will never even be reported that your card was maxed out. Make the purchase some time in the middle of the billing period, then log in to your account and pay the total before the statement period closes. If you let it roll to the next statement period, it will be reported that your account is maxed out, and possibly, you will be charged interest and potentially a fee for exceeding your limit. Your utilization is only calculated in a snapshot, there is no history kept. Even if you let your card be reported at 100% utilization, you could pay the balance that month with 0% then reported and your score will bounce back as though nothing ever happened. Separately, if you have had this card for a long while you may want to request a credit line increase.


I am not joking one bit. If their job performance is suffering due to their own personal lack of self-respect then I would fire their ass and hire someone willing to do a good job. I've worked as a manager at a massive chain retail store. We had all different kinds of employees. Some were good and some were bad. The good and bad had no correlation to their pay (they all got paid like shit) or how long they had been working there.


">Yes, taxes pay for infrastructure but they aren't the ""whole reason we pay taxes in the first place."" Did you not even read my post? I already said taxes pay for infrastructure. They are not however ""the whole reason we pay taxes in the first place."" They are part of many things taxes pay for. Jesus Christ."


An expiration 2 years out will have Sqr(2) (yes the square root of 2!) times the premium of the 1 year expiration. So if the option a year out sell for $1.00, two is only $1.41. And if the stock trades for $10, but the strike is $12, why aren't you just waiting for expiration to write the next one?


Unless you are buying millions of dollars worth of a stock at a time, your transaction is a drop in the bucket, unlikely to have any noticable effect on the stock price. As Ian says, it's more likely that you are just remembering the times when the price dropped after you bought. If you keep careful track, I suspect you will find that the price goes up more often than it goes down, or at least, that the stocks you buy go up as often as the average stock on the market goes up. If you actually kept records and found that's not true, the most likely explanation is bad luck. Or that someone has placed a voodoo curse on you. I suppose one could imagine other scenarios. Like, if you regularly buy stock based on recommendations by well-known market pundits, you could expect to see a temporary increase in price as thousands or millions of people who hear this recommendation rush to buy, and then a few days or weeks later people move on to the next recommendation, the market setttles down, and the price reverts to a more normal level. In that case, if you're on the tail end of the buying rush, you could end up paying a premium. I'm just speculating here, I haven't done a study to find if this actually happens, but it sounds plausible to me.


"As I understand it the usual rule is that the country you are ""resident"" in taxes you on your worldwide income but gives you credit for foreign tax paid. The country you are not normally resident in taxes you only on income from that one country. Note that residence for tax purposes can have different rules from residence for immigration purposes. At least in the UK being resident in the country for more than half the tax year normally makes you tax resident and there are some other cases too. I expect other countries are similar but the details of the rules and the start/end of the tax years may vary. I don't know the exact rules for finland and belgium but I expect your Belgian taxes will be based on your Belgian income only and your Finnish taxes will be based on your worldwide income but with a credit for your Belgian taxes. Engaging accountants from both countries to confirm the exact rules and what exactly you should put on the forms is almost certainly a good idea."


A friend tweeted a similar question regarding student loans, and I responded with Student Loans and Your First Mortgage. The punchline is that you need to be aware of the 28/36 ratios in a bank qualifying you for your mortgage. Even though you have a house, you may not be aware of this. Simply put, 28% of gross monthly income can be used to qualify for your house burden, loan, taxes, etc. 36% for total debt. So the student loan may fit in that 8% gap, and paying it all off reduces the cash you have without helping you borrow more money. 3-5 years is short term, and to that part of the question, this money should not be invested in anything at risk. A 3 year treasury or CD would be it, in my opinion.


I recall the name Martin Pring. As my fundamental analysis book from grad school was the work of Graham and Dodd titled Security Analysis, Pring was the author of the books I read on technical analysis. If you've not read his work, your education has a ways to go before you hit the tools.


>the flattening of the curve most likely results from a domestic unemployment figure that doesn’t capture global labour market competition This. We're not competing with ourselves when it comes to wages, we're competing with much lower living standards in other countries. The result is stunted wage growth due to a huge vacuum existing between the consumer markets of the Developed and Developing countries: Wage growth is being absorbed by differences in purchasing power parity, resulting in almost deflationary pressure. The effect on employment numbers means that unemployment can hit zero in one economy without inflationary pressure, because the slack can be picked up *in another economy*.


Immediately move your Roth IRA out of Edward Jones and into a discount broker like Scottrade, Ameritrade, Fidelity, Vanguard, Schwab, or E-Trade. Edward Jones will be charging you a large fraction of your money (probably at least 1% explicitly and maybe another 1% in hidden-ish fees like the 12b-1). Don't give away several percent of your savings every year when you can have an account for free. Places like Edward Jones are appropriate only for people who are unwilling to learn about personal finance and happy to pay dearly as a result. Move your money by contacting the new broker, then requesting that they get your money out of Edward Jones. They will be happy to do so the right way. Don't try and get the money out yourself. Continue to contribute to your Roth as long as your tax bracket is low. Saving on taxes is a critically important part of being financially wise. You can spend your contributions (not gains) out of your Roth for any reason without penalty if you want/need to. When your tax bracket is higher, look at traditional IRA's instead to minimize your current tax burden. For more accessible ways of saving, open a regular (non-tax-advantaged) brokerage account. Invest in diversified and low-cost funds. Look at the expense ratios and minimize your portfolio's total expense. Higher fee funds generally do not earn the money they take from you. Avoid all funds that have a nonzero 12b-1 fee. Generally speaking your best bet is buying index funds from Fidelity, Vanguard, Schwab, or their close competitors. Or buying cheap ETF's. Any discount brokerage will allow you to do this in both your Roth and regular accounts. Remember, the reason you buy funds is to get instant diversification, not because you are willing to gamble that your mutual funds will outperform the market. Head to the bogleheads forum for more specific advice about 3 fund portfolios and similar suggested investment strategies like the lazy portfolios. The folks in the forums there like to give specific advice that's not appropriate here. If you use a non-tax-advantaged account for investing, buy and sell in a tax-smart way. At the end of the year, sell your poor performing stocks or funds and use the loss as a tax write-off. Then rebalance back to a good portfolio. Or if your tax bracket is very low, sell the winners and lock in the gains at low tax rates. Try to hold things more than a year so you are taxed at the long-term capital gains rate, rather than the short-term. Only when you have several million dollars, then look at making individual investments, rather than funds. In a non-tax-advantaged account owning the assets directly will help you write off losses against your taxes. But either way, it takes several million dollars to make the transactions costs of maintaining a portfolio lower than the fees a cheap mutual/index fund will charge.


"I did a rough model and in terms of total $$ paid (interest + penalty - alternative investment income) both options are almost the same with the ""paying it all upfront"" being perhaps a $300 or so better ($9200 vs $8900) However, that doesn't factor in inflation or tax considerations. Personally I'd go with the ""no-penalty"" scenario since you have more flexibility and can adjust along the way if anything else comes up in the meantime."


It's not YOUR problem, but it is mine. every expense garnered from using insurance makes the cost go up. and as the article stated, that employer had 1/4 mil hit to his insurance due to drugs etc. that is sure to increase his insurance rates, thus he needs to be more mindful of whom he hires. thus, anyone who wants to get hired by a large experienced company needs to keep this in mind. people don't like to think how their freedoms can negatively impact other people. never could it be argued that freedom has a negative impact.


do not hold these leveraged/inverse etn's/etf's long term. they are meant for day trading and due to constantly compounding at the end of the day, both negative and positive, they will lose value over time. you are warned, :)


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If you have zero activity on a card, the issuing bank may decide to close that card. They have some costs each month, and if you aren't using the card they aren't making money off of you. Your inactivity is also a risk because if you lost the card, and don't realize it, and it falls into the wrong hands then it can be used for fraudulent transactions. In their view it might already have been hijacked. If they close your account that can hurt your score: your utilization number will go up, and the age of your accounts could go down. They want you to use their card so they make money on the transaction fees and hopefully interest payments.


I know a guy on a much higher rate than me, about £500 per day, and he claims to pay around 18% tax which has me bewildered He will be showing expenses, which are deductible. Check with your accountant about expenses, which can be legally claimed as expenses. This is the main benefit of operating through a limited company. Legtimate business expenses can be claimed, which you cannot do if you are a permanent employee. Your friend might also be claiming false expenses, with a shady accountant. If HMRC does decide to give a call, he might have to pay n times the money he has saved till now. And my suggestion is always ask your accountant first. He(she) knows the legal stuff, so he(she) would give you the legally correct options. If you aren't comfortable with him(her), you can always change accountants. holiday pay, sick pay and job security You miss those that is why you are paid at a rate much higher than an employee. benefit of a limited company You can arrange your salary to pay no PAYE and take the rest as dividends. You willn't have to pay PAYE on that. Secondly if you have a partner(s), all of you can be paid dividends without paying PAYE(if you don't cross the threshold).


For some reason you are using Uber's numbers. Lyft is not nearly as widespread as Uber. If you want to see how damaging this is to Lyft, you would have to show us Lyft's numbers. And you can probably assume this was the only one who got caught, not the only one who was doing it. Furthermore, the lost revenue largely falls on the drivers, not the company. Uber is trying to aggressively recruit drivers, including Lyft's drivers. If Lyft rides get cancelled more frequently, the drivers are likely to migrate.


Many business owners in the USA choose to form their business as a Delaware LLC due to the legal benefits from the state’s predictable Incorporating your business. Delaware LLC incorporation is easy, too — there is no required to visit the state and minimal information is required. Delaware LLC, for example, does not have yearly conferences and minutes, yet other types of development do. You must follow appropriate techniques to employ workers, and this will require filling out the documentation to obtain a company recognition number.


5.) Target allowed the use of the coupons for gift certificates, negating the profit they would have made themselves. The customers did not create this situation. Target also renewed the coupon system with full knowledge of the circumstances. Corporate systems are hardly capable of knowledgeably allowing injury they can prevent.


"I agree with the other answers that it is a benefit, but wanted to add another explanation for this: Also, why a company would prefer matching someone's contributions (and given him or her additional free money) instead of just offering a simple raise? In addition to a match being a benefit that is part of your total compensation, 401ks have special rules for Highly Compensated Employees. If the lower paid employees do not contribute, the ""Highly Compensated Employees"" do not get to take full advantage of the 401k. By offering a match, more lower paid employees will take advantage of a 401k program allowing more Highly Compensated Employees to also take advantage of the program."


There are still ways that the default values on the W4 can lead you to get a refund or owe the IRS. If there was a big delta in your paychecks, it can lead to problems. If you make 260,000 and get 26 paychecks that means each check had a gross of 10,000. Your company will withhold the same amount from each check. But If you earned a big bonus then the smaller regular paychecks may not have been withholding enough. When bonus checks are involved the payroll office has to treat them as irregular pay to be able to make it work out. Some companies don't do this, so you may under or over pay during the year. If you changed companies during the year, this can lead to under or over payment. The lower paying company would not know about the higher rate of pay at the other company. so at one you would under pay, and the other you would over pay. There are also social security issues with more than one employer.


">Family business can also decide to go for short term maximum profit at the expense of long term. And shareholders can decide to look long term See my parenthetical above: ""(though many still choose profit). Public companies...are much less likely to avoid the pressures"" You are quite correct that both public and private companies can have long-term vision, short term vision, or a mixture of both at the same time. But the corporate structures of each change the internal pressures in a way which, in my experience, do not lead to an equal split between which types of companies trend in one direction or the other. >just go to shareholder meetings and you will see everything. I do, and you are correct. I've also seen an increasing trend in short-term thinking over the past decade and a half at those meetings. The next quarter's profits and market share drive them much more clearly than they used to, particularly in anything tech and finance related. >In general, anti-monopolly laws only help create olligopollies This is a concern; though oligopolies existed before anti=monopoly laws. There are cases when attempts to break up monopolies result in a small group of colluding factions, and this needs to be watched. >...only help create olligopollies/monopollies... In what manner have anti-trust laws created monopolies? (I don't doubt the possibility, but an example would be helpful to visualize your critique.)"


Each S-corp is bound by its own plan documents, which typically do not limit or dictate where the investments are held. Your brokerage account has no tie to the company from which the funds come, however, you are still subject to maximum SIMPLE contribution rules and cannot exceed the $12,500 (if under age 50) COMBINED contribution for any and all companies. Be careful about co-mingling from both companies as there are penalties for early withdrawals made within 2-years of participating in the plan. If you started them both at the same time it's not an issue.


I think this thread got a bit off topic. The point is that we've decided as a nation that we want to guarantee a basic level of healthcare, as established by government programs. Companies like wal-mart take advantage of that, paying low wages and assuming employees will utilize the government assistance. The take-away, is that that's a little goofy and we should just fix our fucking healthcare system. As for wal-mart. It's complicated. They've accomplished huge gains in efficiency, arguably accomplishing more for the environment than any other company, not to mention their moves towards sustainable fish/etc. At the same time, the lawsuit alleging gender discrimination seemed not without merit, the folks in charge are occasionally aggressively socially conservative, and their march to the bottom for prices has induced quality suppliers to provide lower quality products specifically to be sold in wal-mart, corrupting their brand-name and commoddifying[sic] their products after being suckered in by the big sales numbers.


In the UK it is almost always better to purchase with a credit card for transactions above £100 but below £30,000. This is due to Section 75 of the Consumer Credit Act 1974 which makes your credit card company jointly liable if something goes wrong. In other words, if you buy something worth £1000 with your credit card, the company fails to deliver for any reason and you cannot get a refund from them directly, you are entitled to make a claim from your credit card company for the full amount.


"This is the best tl;dr I could make, [original](http://www.rollingstone.com/politics/news/taibbi-is-libor-crucial-financial-benchmark-a-lie-w497305) reduced by 88%. (I'm a bot) ***** > If you have any kind of consumer loan, it&#039;s a fair bet that it&#039;s based on LIBOR. A 2009 study by the Cleveland Fed found that 60 percent of all mortgages in the U.S. were based on LIBOR. Buried somewhere in your home, you probably have a piece of paper that outlines the terms of your credit card, student loan, or auto loan, and if you peek in the fine print, you have a good chance of seeing that the rate you pay every month is based on LIBOR. Years ago, we found out that the world&#039;s biggest banks were manipulating LIBOR. That sucked. > As a few Wall Street analysts have quietly noted in the weeks since those comments, an &quot;Absence of underlying markets&quot; is a fancy way of saying that LIBOR has not been based on real trading activity, which is a fancy way of saying that LIBOR is bullshit. > So as LIBOR reflected reality less and less, it became more and more ubiquitous, burying itself, tick-like, into the core of the financial system. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6tasuo/years_ago_we_found_out_that_the_worlds_biggest/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~189474 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **LIBOR**^#1 **Bank**^#2 **market**^#3 **rate**^#4 **based**^#5"


"In addition to the possibility of buying gold ETFs or tradable certificates, there are also firms specializing in providing ""bank accounts"" of sorts which are denominated in units of weight of precious metal. While these usually charge some fees, they do meet your criteria of being able to buy and sell precious metals without needing to store them yourself; also, these fees are likely lower than similar storage arranged by yourself. Depending on the specifics, they may also make buying small amounts practical (buying small amounts of physical precious metals usually comes with a large mark-up over the spot price, sometimes to the tune of a 50% or so immediate loss if you buy and then immediately sell). Do note that, as pointed out by John Bensin, buying gold gets you an amount of metal, the local currency value of which will vary over time, sometimes wildly, so it is not the same thing as depositing the original amount of money in a bank account. Since 2006, the price of an ounce (about 31.1 grams) of gold has gone from under $500 US to over $1800 US to under $1100 US. Few other investment classes are anywhere near this volatile. If you are interested in this type of service, you might want to check out BitGold (not the same thing at all as Bitcoin) or GoldMoney. (I am not affiliated with either.) Make sure to do your research thoroughly as these may or may not be covered by the same regulations as regular banks, particularly if you choose a company based outside of or a storage location outside of your own country."


"The ""coin flip"" argument made in the article is absurd. My old boss had a saying, ""the harder I work, the luckier I get."" He came from nothing, worked maniacally to become an Olympian, and later in life became a multi-millionaire. This is a common story among self-made people. I DO think that the rich have significant advantages: education, contact networks, access to startup capital, etc. These are very helpful, but don't assure success. Their lack is not insurmountable by the ambitious. I also think those advantages have expanded in recent years. Monetary policy has resulted in a large pool of investable funds being made available to to the financial sector, who earn high incomes with rent-seeking tactics."


Well to be fair, I cashier at a whole foods right now (just finished college, still just taking it easy) and it has way more traffic than any other grocery or retail job I've had. They're not really that expensive, depending on what you buy, and plenty of people come in to shop. So while, as the other reply mentions, you may not be the demographic, there is some clear potential for Amazon to do well here.


Go to your local bank or credit union before talking to a dealership. Ask them if putting both names on the loan makes a difference regarding rates and maximum loan you qualify for. Ask them to run the loan application both ways. Having both names on the loan helps build the credit of the spouse that has a lower score. You may find that both incomes are needed for a car loan if the couple has a mortgage or other joint obligations. The lender will treat the entire mortgage payment or rent payment as a liability against the person applying for the loan, they won't split the housing payment in half if only one name will be on the car loan. Therefore sometimes the 2nd persons income is needed even if their credit is not as good. That additional income without a significant increase in liabilities can make a huge difference regarding the loan they can qualify for. Once the car is in your possession, it doesn't matter who drives it. In general the insurance company will put both spouses as authorized drivers. Note: it is almost always better to ask your bank or credit union about a car loan before going to the dealership. That gives you a solid data point regarding a loan, and removes a major complexity to the negotiations at the dealership.


[Banks fail all the time.](https://www.fdic.gov/bank/individual/failed/banklist.html) [6 bank failures in 2017 through May.](https://www.fdic.gov/bank/historical/bank/) Bitcoin has it's place in the monetary ecosystem, but replacing the present machinery for economy-wide resource allocation is not one of them. [See my comments here why bitcoin's monetary policy is unstable.](https://www.reddit.com/r/btc/comments/74gjbo/bitcoin_monetary_policy/dny885d/) Please read the last comment in the chain. Disclaimer: I support bitcoin for reasons other than its monetary policy.


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No one pays 35%, due to the loopholes. Effective tax rates (what they ACTUALLY pay) are lower for major corps than most individuals. > Does it not make more sense to lower the corporate tax rate while reducing loop holes etc... to make the American corporation more competitive. This makes sense, but people put those loopholes in there to help themselves and they'll fight to keep them. It's such a mess of tax code.


Christ, Seinfeld was mocking this twenty years ago. Do they not have a non-refundable, cast-iron reservation system? Seems nuts just to assume that customers prefer being able to cancel over the reassurance that Hertz won't cancel on them.


"Just because they have an ""R"" Doesn't mean much... There's many different factions among tye Republicans that are at odds with each other... Apparently they don't fall in line as easily as democrats... It's also much easier to write blank checks with disregard to cost (like dems did with the ACA) than to write legislation that is budget neutral... I don't blame them... The ACA spent years throwing bread to the plebes... It only made a real fix now difficult..."


As has been mentioned, it's largely up to the landlord. I'm in Texas, USA, and my landlord's payment service permits it, but they charge an exorbitant fee of 22% plus 0.50 in order to do so. My rent is $895/month. If I chose to use a credit card, I pay $1092.40. The miles aren't worth that kind of money.


"This is the best tl;dr I could make, [original](https://www.arpinvestments.com/arl/are-robots-disruptive-or-could-they-be-the-saving-grace-for-ageing-societies) reduced by 96%. (I'm a bot) ***** > The cost disadvantage of using robots is still significant, but robots will almost certainly catch up eventually. > A shrinking workforce will force robots to be installed if we want to keep industry alive, partly because we won&#039;t have enough people to fill the manufacturing floors, and partly because those who are left will be too expensive to do the job. > Yes, robots are indeed disruptive, but they could very well prove the saving grace for a number of otherwise doomed economies. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/77q42u/are_robots_disruptive_or_could_they_be_the_saving/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~232204 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **robot**^#1 **job**^#2 **workforce**^#3 **industry**^#4 **million**^#5"


This is great. Thanks! So, just assuming a fund happened to average out to libor plus 50 for a given year, would applying that rate to the notional value of the index swaps provide a reasonable estimate of the drag an ETF investor would experience due to the cost associated with the index swaps? For instance, applying this to the hypothetical I linked to in the original question, they assumed fund assets of $100M with 2x leverage achieved through $85M of S&P500 stocks, $25M of S&P500 futures, and a notional value of the S&P500 swaps at $90M. So the true costs to an ETF investor would be: expense ratio + commissions on the $85M of S&P500 holdings + costs associated with $25M of futures contracts + costs associated with the $90M of swaps? And the costs associated with the $90M of swaps might be roughly libor plus 50?


"Most of your money doesn't exist as physical cash, but simply as numbers in a ledger. At any given time, banks expect their clients to withdraw a certain percentage of their balances... For instance, checking accounts are frequently drawn down to zero, savings accounts might be emptied once our twice a year, CDs are almost never withdrawn, etc. To cover those withdrawals, banks keep a certain amount of physical cash on hand, and an additional amount remains on the ledgers. The rest gets loaned out to their customers for use in buying homes, cars, credit cards,etc. Anything they can't loan out directly gets deposited with the federal reserve or loaned directly to other institutions who need it. However, those last two options tend to be short term (ie overnight) loans. With debit cards functioning 24/7, you could get cash at an atm or make a purchase anytime of the day our night. The weekend has nothing to do with it. Which is a long way of saying ""No, they do it all the time, not just on weekends"" ;)"


It looks like RK is encouraging tax fraud. Suggesting that one have their business cover personal expenses sounds like the advice that got Leona Helmsley in hot water.


Love blaming other people instead people taking responsibility themselves. Doctors prescribe these drugs because people want relief from pain. Doctors are measured by patients' feedback on pain level. Unless you have lived under a rock for the past 30 years, you know that these pain relievers are addicting. It is each person's own responsibility to fill the Rx... the doctors do not force anyone to take these drugs.


Someone with an AOL address. I will help them, I was joking. I just know they are going to be total idiots and waste tons of my time. AOL users make up only like 5% of my user base, but they account for 30% of all service request.


Yes (most likely). If you are exchanging investments for cash, you will have to pay tax on that - disregarding capital losses, capital loss carryovers, AGI thresholds, and other special rules (which there is no indication of in your question). You will have to calculate the gain on Schedule D, and report that as income on your 1040. This is the case whether you buy different or same stocks.