Financially, it simply doesn't make sense to go into debt here. It may be that living on credit cards for a while gives you a chance to recover psychologically, but financially, it doesn't make sense. But, let's consider the larger picture here. You are unmotivated and directionless, and may be suffering from depression. That sucks; very many of us have been there. I'd write in great detail, except this site is about finance, so let's limit the scope a little. You've had therapy. It hasn't produced meaningful change. Stop with that therapy; it's not cost-effective. Financially speaking, your goal should be to get back on your feet. You should only be willing to take on credit card debt if it is very, very directly helping you accomplish this. Maybe that means a different therapist. Maybe that means paying for medication, which can often be breathtakingly effective. Heck, maybe that's a suit, something you put on each morning for a couple of hours to focus on getting a job. Maybe that means some other approach. But you should only be willing to take on debt that directly helps you get back on your feet. Should you be willing to continue as you are now, taking on credit card debt for your living expenses? No, definitely not. Credit cards charge obscene amounts of interest, and the evidence is that your current approach is not working. Going into debt in this case makes as much sense as it did for me to continue working for an employer who wasn't paying me. That is, none at all (financially). All that said, I strongly encourage you to get whatever help will work for you. Your finances are important, but they aren't everything.


Selftrade does list them. Not sure if you'll be able to sign up from the US though, particularly given the FATCA issues.


Yea right! This is some communist propaganda if I have ever seen it! No rational person would ever want someone else to be making decisions as personal as health care for them. Get out of here with these ignorant socialist lies. No questions asked; people want health care decisions to be made between them (the patient) and the doctor, it is a fact. In all practical honesty, no one wants those types of decisions made by some pampered disconnected bureaucrat miles away. Anyone who argues otherwise is not being honest with themselves. The plain reality of health care in America is that it is a protected and dark market where no one actually gets to see the cost of services. All we need legislatures to do is make insurers and health service providers publish price sheets and cost lists to the general public and we all will get to watch costs for everyone across the socioeconomic landscape plummet to unprecedented lows. Fuck the Republicans for letting the insurance companies continue to write these disasters of legislation that they call a repeal bill. Equally, fuck the Democrats for letting the insurance companies give us the complete, failure by design, that is the ACA. Both of these shit-wings embedded with wilful bureaucratic incompetence need to just give us a fucking price listing for services and medications and get the fuck out of our way!


"In simple terms, it is a business operation when it becomes a profit-making enterprise. It is a grey area, but there is a difference between selling occasional personal items on eBay and selling for profit. I would imagine the sort of considerations HM Revenue & Customs would take into account are the size of your turnover, the extent to which you are both buying and selling, and whether you are clearly specialising in one particular commodity as opposed of disposing of unwanted presents or clearing the loft. http://www.ebay.co.uk/gds/When-does-eBay-selling-become-taxable-/10000000004494855/g.html I don't believe that you selling your personal camera gear will be taxable, but as the link says, it is a grey area. They also recommend to do this It's far better than having to deal with an investigation a few years down the line. When it comes to completing your tax return, there is a section which is headed ""other income"", and it is here where you will enter the net earnings from the web business. ""Net"" here means your additional income, less all expenses associated with it. If you are still worried I would always encourage people to take a cautious approach and discuss their position with HMRC via its helpline on 08454 915 4515."


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">However, the caveat I will add is that if you go into DEBT for your education, you should certainly be thinking about the economic value your education can provide you. I agree, but we're not going to have that discussion when many parents don't understand debt accurately and the ones that do are the ones whose kids aren't as likely to need big loans. >At the end of the day though, these findings are all moot unless we can have a conversation about the hyperinflation in college costs directly related to 'free' aka subsidized education. The hyperinflation isn't because college costs are subsidized - federal loans still have caps. It's because student loans can't be discharged in bankruptcy in the vast majority of cases. That means that private loans are available, which means the federal loan caps are effectively useless. ""Free"" college would have its challenges, and we'd need to make private loans dischargable in bankruptcy (which would in turn make banks lend to only credit-worthy students/co-signers using appropriate risk models) but then we'd also be able to make other adjustments. There are some things that we could probably be doing now, but others might be too easily corruptible without the market correction of private loans only to those who are credit-qualified. We could put more stringent requirements on grade point averages, for example. If you don't hit that, you don't get your free college. You can continue going, if you go get private loans. Not able to qualify? Time to do something else then. Work and save for college, trade school, enter the workforce permanently, etc. (This wouldn't work as well if private loans were still easily obtainable and non-dischargable, because there could be shady dealings to make more people not eligible for the ""free"" assistance with some type of crazy obstacles, etc.) We could do things like cap the costs for particular programs. If you want to study mechanical engineering, you can get up to X amount, but if you're studying early French poetry, you can only get up to Y amount. Yes, we could do that now, but I don't love the idea of putting those type of restrictions when it's the student paying.. it seems a bit of an overreach. There are lots of ways we could be addressing things, but we aren't."


"Agreed, but often it seems that gray area is exactly what these ""innovations"" are looking for. Repeatedly pushing down onto the struggling individual the past responsibilities of the wealthy corporation. Say this thing picks up steam and is revitalizing Walmart. John is walking out the door and ""critical"" deliveries need to be made. John was a bit short last month and couldn't wait for the 2 week insurance reimbursement process. So despite the team lead's prodding, didn't upgrade his insurance coverage this month. He didn't want to be ""that guy"" so didn't confirm/deny getting modifying coverage to the lead. The team lead asks John to take the packages, but doesn't really follow through on the insurance check. John wrecks his car and his back. John's insurance company rejects the claim. The team lead and John are fired because not checking/having the insurance was against written policy, but winked and nodded away all the way back up to the #1 online retailer spot. So often, obstacles are easily surmounted. I get the ""personal responsibility"" angle for all involved, but social/financial pressure can be brutal. The problem is that situations are left as is and the moneyed parties are ""enrichingly ignorant"". My guess is few compile stats on SOL Uber/Lyft drivers in similar situations."


I once read an redditor（probably from india）says they are going to have 300 millions middle class in next few years Aren't India going to one of the future superpowers and their people are very proud of it ？ http://www.thehindu.com/features/kids/proud-to-be-an-indian/article3762135.ece


Well, I think that vba will still be maintained, but the emphasis these days is on increasing compatibility outside the traditional ms ecosystem, making development/scripting for office applications available to a broader base of coders. There's another AMA coming up in a few weeks so you can ask them there, but I don't think there's a risk of vba not being compatible in the next many years. As an alternative, you may also want to look into powerquery (the get&transform feature of '16), if you're dealing with large datasets and transformations/database-like-operations it is great and lifts the functionality of excel quite a few notches, while being much more transparent than VBA. It is being pushed heavily by Microsoft for a good reason.


The best way to start out is to know that even the experts typically under-perform the market, so you have no chance. Your best bet is to invest in diversified funds, either through something like Betterment or something like Vanguard's ETFs that track the markets. Buying individual stocks isn't typically a winning strategy.


A recent survey conducted in Australia shows that although their mining sector is enjoying a boom, services sector is in an opposite condition. Most of the contraction was caused by a decline in new orders among the various players in the services sector while sales and prices also fell. Just 2 out of 9 sub-sectors (namely, personal and recreational services and finance and insurance) included in the survey has grown during the month. The increased activity in the mining sector is not positively affecting the remaining sectors of the local market. The chief executive of the Australian Industry Group (AI Group) said that the contraction in the services industry just shows how narrow is its base of development in the broad market. Several stability in financial states abroad in a period of few months will be favorable for allowing consumer and business confidence to improve, resulting in a gradual increase in spending. More than half of the world’s mining acquisitions in 2011 has involved projects located in US, Australia and Canada. Other buyers include China, India, Russia and Brazil, all of which increased their acquisitions by 42% since 2006. In terms of gold, the average deal is valued at USD 41 million where a premium is almost 50%. Propelling the lucrative market is Australia with 15%, United States with 14% and Canada with 49%. Considering the bigger picture of the industry, PwC seems to be expecting that this year will see record M&A valuations and volumes in the mining sector worldwide. According to the company, sovereign wealth funds tend to have more advantage in winning transactions because of their low cost of capital. PwC is assuming that non-miners like sovereign wealth funds, large pension funds and private equity might reassess their approach to the industry and begin to participate more in M&A.


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"**Modern portfolio theory** Modern portfolio theory (MPT), or mean-variance analysis, is a mathematical framework for assembling a portfolio of assets such that the expected return is maximized for a given level of risk, defined as variance. Its key insight is that an asset's risk and return should not be assessed by itself, but by how it contributes to a portfolio's overall risk and return. Economist Harry Markowitz introduced MPT in a 1952 essay, for which he was later awarded a Nobel Prize in economics. *** **Option (finance)** In finance, an option is a contract which gives the buyer (the owner or holder of the option) the right, but not the obligation, to buy or sell an underlying asset or instrument at a specific strike price on a specified date, depending on the form of the option. The strike price may be set by reference to the spot price (market price) of the underlying security or commodity on the day an option is taken out, or it may be fixed at a discount in a premium. The seller has the corresponding obligation to fulfill the transaction—to sell or buy—if the buyer (owner) ""exercises"" the option. An option that conveys to the owner the right to buy at a specific price is referred to as a call; an option that conveys the right of the owner to sell at a specific price is referred to as a put. *** ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/finance/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot) ^] ^Downvote ^to ^remove ^| ^v0.27"


"A better question would be to ask ""Why don't movie theaters charge to use the bathroom?"", or ""Why don't movie theaters charge for parking?"". In America, either government regulation or the mall itself forbids charging for parking, or limits the amount that can be charged for parking. This tends to be more true in suburban areas where land is cheap, but less true downtown in cities. The nearest theater to me is in a mall that is also on a metro line. Those who arrive by metro to see the movie are effectively subsidizing those who arrive via automobile and park. I don't know of any place in America that charges to use the bathroom, but the practice is still common in Europe. I saw the second The Matrix film in Brussels, and had to pay to pee. I'm not sure why this isn't the case in the U.S. Maybe there are widespread regulations against this. Or maybe it's a cultural thing, that we would be so offended by this that we would never go back to the theater."


Some do internships, but most don't. I would also try to get really involved with your school's entrepreneurship center if it has one. People on reddit often stress that it's wrong to participate in unpaid internships, however in this sector I strongly disagree. If you are able to secure an unpaid internship in VC, I highly suggest pursuing it.


Hey I used to do this for a job. having two separate policies is a bad idea. If you decide you need more life insurance just increase the one you currently have. There are usually discounts for having higher levels of cover. Not only that but if you have multiple policies all you're getting is the task of doing multiple claims and maybe some additional policy fees depending on which companies you're looking at. What did you consider when deciding how much life insurance to take?


"Unfortunately, I missed most of segment and I didn't get to understand the Why? To begin with, Cramer is an entertainer and his business is pushing stocks. If you put money into mutual funds (which most 401k plans limit your investments to), then you are not purchasing his product. Also, many 401k plans have limited selections of funds, and many of those funds are not good performers. While his stock-picking track record is much better than mine, his isn't that great. He does point out that there are a lot of fees (mostly hidden) in 401k accounts. If you read your company's 5500 filing (especialy Schedule A), you can determine just how much your plan administrators are paying themselves. If paying excessive fees is your concern, then you should be rolling over your 401k into your IRA when you quit (or the employer-match vests, which ever is later). Finally, Cramer thinks that most of his audience will max out their IRA contributions and have only a little bit left for their 401k. I'm most definately ""not most people"" as I'm maxing out both my 401k and IRA contributions."


I completely agree. We're a specialized company that focuses on doing things right, not just throwing up a web page. We see high conversion rate increases. Trust me, we're not a one and done shop. We know what we're doing, and we know that the value of our work is $2500 baseline. Sure, we can install WordPress and a stock theme while throwing up content for the person while installing some standard SEO plugins for $1000. And landing pages are something we never recommend doing without our clients knowing that they aren't cheap; landing pages need to be combined with other marketing tasks. They won't convert people who don't go to them. And, it's ridiculous to think that you've optimized conversion right away. We always strongly recommend A/B testing at the start of a marketing campaign for at least two weeks. Plus, all of that testing on the first landing page we do results in direct knowledge for any future ones, resulting in lower cost and a much much much higher ROI for our clients. So, yeah, I agree with you on the 'most designers' comment. But I would argue that isn't necessarily a *good idea* to do. You get what you pay for, I suppose.


Real estate is a lousy investment because: Renting a home and buying a home, all else being equal, are pretty similar in costs in the long term (if you can force yourself to invest the would-be down payment). So, buy a home if you want to enjoy the benefits of home ownership. Buy a home if you need to hedge against rising housing prices (e.g. you're on a fixed income and couldn't cope if rent increased a bunch when the economy heated up). Maybe buy a home if you're in a high tax bracket to save yourself from being taxed on your imputed rent, if it works out that way (consult your financial advisor). But don't consider it a really great investment vehicle. Returns are average and the risk profile isn't that attractive.


> it should be noted that those people who luck smiles upon need to be prepared to take advantage of opportunities, and that preparation takes work. All you've done is regurgitate a cliche that is said constantly in our culture.


"The most fundamental observation of bond pricing is this: Bond price is inversely proportional to bond yields When bond yields rise, the price of the bond falls. When bond yields fall, the price of the bond rises. Higher rates are ""bad"" for bonds. If a selloff occurs in the Russian government bond space (i.e. prices are going down), the yield on that bond is going to increase as a consequence."


There is no established business model that works for the fresh food delivery and if anyone will be able to perfect it, it will be Amazon however I think it will take a lot of time. Amazon can afford it and I am curious to see how it pans out.


And more than that it would encourage people to invest in companies for the long term, allowing Executives and CEO's and such the breathing space to make a tough decision that's bad in the short term but good in the long term... Rather than hiring a psychopath CEO that's only trying to boost short term stock value for his own bonus/salary


Sure. Here it is in its deadly simplicity: Bank of Too Big 123 Fake St City State Zip Date To whom it may concern: Please let this letter serve as formal instruction for Bank of Too Big to close the following accounts held under my name, [your name], [your social security number], listed below Checking: 00000000 Savings 00000000 Please remit the remaining balances in the form of an official check made payable to me and mail that check for deposit to my account at: Your Awesome New Bank c/o the new manager Address Thank you for your prompt attention to this matter. If you wish to reach me, you may do so at [telephone number] *pro tip: they **never** call you.* Sincerely, Newly empowered consumer, you. **Here are the important parts:** 1. You HAVE to get this notarized. It will not work otherwise. But guess where there are always notaries - banks - especially your new one. 2. Make sure all your automatic payments and things attached to that old account have been switched or cancelled first. 3. Don't leave too much money in there or there is a slim chance they might call you, and you'll have to deal with that nonsense. Just leave a nominal amount like $10 and they'll just do it to get it over with. 4. Keep a copy. Just in case. I have been using this letter for my entire career in banking (a little over 10 years) and it has worked EVERY SINGLE TIME. Enjoy!


By the by, I'm 27. I've been living on my own since I was 15. I've worked at startup-style companies with a rich founder and no investment (Limewire), worked for funded startups companies as a consultant (ex: Ning), personally know the founders and/or very early stage employees of many famous startups (Gowalla, Twitter, GitHub, Shopify, etc), and I've also consulted for companies like Bear Stearns, Pepsico, Ford… But you could already tell all that from my picture, I'm sure.


My in-laws are pressuring me to buy a home. I don't really have much financial experience. In fact, I'm a nightmare with finances. I almost have my student loans payed off from school. My in-laws and husband are great with finances and with real-estate. My husband has a good job and $200k in savings. I have a good job too, and still have some debt from school. (approx $60k left of 180k). They say the house will be available in Jan or February for purchase, and that we should really try to buy it (prob $2-3 mil). My guess is they want to make it available to us off the market (which is a huge benefit in this area, there are really no houses available lately) . The problem is: I am uncomfortable because I don't have all of my loans payed off, I could divert money away from paying off the loans in order to save for a larger downpayment. I just got a bonus of $35k (after taxes) I don't think I'll have all of my loans payed off by January. Should I save my money for the downpayment or focus on my loans, should I go for the house? I don't know how to weigh these options against each other with such little experience.


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"I had an inkling that is what you meant. I am no lawyer (or historian), but it seems a convenient warping of the 14th amendment, i.e., a corporation clearly is as human as a(n ex-)slave. Sadly, so often you find that racism has been the lever used to enable policy inflicted suffering. It also serves to keep people from ever objectively discussing and resolving the root issues. ""Don't try to play the race card..."" Um, but the history..."


"I'm a mathematician, not an accountant. But my feeling has been that the distinction between Asset and Liability is mainly a sign convention, and comes from a wish to avoid negative numbers. Suppose you take out a loan for $1000 and deposit the proceeds in your bank account. Under normal accounting conventions, your bank account is an Asset and the loan is a Liability. After the loan, Bank has a balance of 1000 and Loan has a balance of 1000. You can compute your net worth by adding all Assets and subtracting all Liabilities (so in this case your net worth remains 0). If you treat Loan as an Asset account, then after taking out the loan, you should give it a balance of -1000. Under this convention, you have lots of negative numbers to deal with everywhere, which I suspect early accountants would have found inconvenient. The Asset/Liability convention means you only need to deal with negative numbers in unusual situations (overdrawn bank account, overpaid loan, etc). Likewise, in theory you could treat Expense accounts as negative Income. But I'm not sure why you feel the need to reinvent the wheel by ""simplifying"" double-entry accounting like this. The standard conventions are not that complicated, and their major advantage is that they're standard: other people will be able to understand your books if they ever need to. (Say you want to hire somebody to do your taxes at some point: if your books are kept in your own idiosyncratic system, their job will be at best error-prone and at worst impossible.) It's a bit like a proposal to simplify English spelling: shur, a sistum waar yu rit lik this mit bee simplur in sum abstrakt sens, but if nobudee els can reed it eezulee, it izunt ackshyualee veree yusful."


That's fair, but cost of living in silicon valley cuts the purchasing power of that salary significantly. I don't know what major you are exactly, but keep in mind that comp sci is not the same as a civil/mech engineering degree in terms of compensation.


"Who the fuck cares about exhausting? Sorry dude that is not the criteria. You examples are bulshit and non responsive to my points. But one more time to humor you. Nope your janitor who did not study to get a degree so he cannot get your ex's job. While your ex can get the janitor job if she wanted to. So nope one is going to get paid better. Brain surgery will put your gf at upper middle class/ lower upper class. Btw saying ""but to argue cleaning kids vomit and shit off the bathroom floor takes less skill and should be paid less ...Yeah no."" Is not a valid argument. It is your opinion and by this point in the conversation, it is no longer necessary to repeat yourself. In fact, you can repeat it till you are blue in the face and it will still remain your unsubstantiated opinion. Not only is the fact that cleaning puke requires less skill one of the reasons why janitors get paid less but to boot the fact that it requires less skill means that more people can do the job and basic supply-demand inevitable leads to lower price which in this case is lower salary. The fact is that there will always be a lower class, it being the part below the middle class. And it takes skills to pull oneself out (or luck to be born rich which I do agree is unfortunate). If you have no skills or chose to work a job that does not require skill, you will be in the lower class. So now, besides a basic English class, you seem to need a basic logic class. I'd suggest looking that stuff up online or if you need the more structured environment, your local community college."


If it goes to a millionaire who continues to pay larger bills than others while unemployed then that money goes right back into the economy. The money for unemployment insurance is linked to compensation. If they are millionaires then their compensation has already paid for unemployment insurance. This idea that money is going to turn around and go to some others possibly through some other program is flatly wrong. Either you have unemployment insurance or you don't. You want to withhold unemployment insurance from rich people because you don't think they are worthy. That is an interesting idea, but so far it has never worked politically.


"Just my 2 cents, I read on the book, The WSJ Financial Guidebook for New Parents, that ""the average family spends between $11k and $16k raising their child during his first year"". So it might be better for you to make a budget including that cost, then decide how much money you feel safe to invest."


"Answers to your questions: (1) Do bank account numbers have a checksum. NO. (2) Is it plausible that they found out your number after sending you the money by ""accident"". NO. There is no way to find out who possesses a particular bank account just by the number. Also, how they even know they made a mistake? They targeted you and knew who you were and your bank account number before the ""money"" was sent. (3 and 4) Is this a scam? YES. They never paid you any money. They forged a check for a large amount and deposited it in an account. Then divided it up, wiring pieces to multiple people, all of whom they investigated beforehand. Since it is a bank to bank transfer it clears. Once the forgery is discovered, all the transfers will be unwound. If you had sent them money, you would have lost that money. Other things to note: There is zero chance of a wire transfer going to the wrong person because the sender has to list the name and address on the account as well as the number. You basically did the right thing which is to notify your bank that you received an unauthorized transfer into your account. Never accept money into your account from someone you don't know. If money ""appears"" in your account tell the bank it is an error and probably proceeds from a forgery and they will take care of it."


That argument seems pretty false. Companies will compete and try to always undercut each other. I have never seen one actual study where prices rose on par when the minimum wage was increased. They of course will increase but it will still be below what is costs now. Mainly it takes money from the larger corporations and gives it to the people. I do agree prices will rise, but since TONS of companies already hire illegals where are we going to be hit? Produce will be slightly from stock boys who dont make that much. For the most part all menial jobs are always using illegal workers.


No it isn't, at least from my perspective. For example many drugs are illegal. Do I think they are unethical to use? Absolutely not. I believe in the non-aggression principle, if you aren't hurting anyone else in any way you are not doing anything wrong. Portugal has decriminalized drug use, many anabolics are freely available in middle eastern countries. Is everyone a drug addict or a 280lb freak? No. We should govern what we do with our bodies, not the government.


It all depends on how much risk you take. The problem is you have no idea what the risks are, and so you will lose all your money. I would say zero. But if you want to have a go, try reading reminiscences of a stock operator, then try reading my own attempt to make sense of the same stuff Hey, as you're a student you could even try making sense of my FX and MM training on the same website. Good luck


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Usually, a financial advisor makes his money by selling financial investments. Thus, almost anyone you talk to is going to try to get you to be investment products, which is not what you need to be doing at this point. You should be focusing on paying off all your debt first, before doing any investment. The interest you are paying on credit cards is most likely much more than the money you could get from any type of investment. However, once you have your consumer debt paid off, I recommend talking to any friends, co-workers, or other professional advisors you have (such as attorneys or accountants). When you ask such people for the referrals, find out how much debt they have, how much they are investing. Pay closer attention to those with a higher net worth. Otherwise, you may be getting advice from someone fooled by the same sort of financial advisor you are trying to avoid.


One thing I would look into is getting a fixed rate home equity loan for a short term. Not a line of credit, but a home equity loan. The main benefit is they typically offer no closing costs. You can get a very low rate provided you move the loan into first position (replace your current mortgage). I know someone who got a 7 year fixed Home Equity Loan, from Regions Bank, for 2.62% no closing costs.


How about just putting them to bed earlier? My kids are in bed by 7 and other parents think I'm insane... Yet when the boys are up at 6 and we are able to eat Belfast like a family before school and work, and they aren't tired so are on time and task... Works great!


The new minimum wage hike in Oregon is putting strain on small businesses. $11.40 is a ridiculous high wage and is forcing many businesses to under staff and raise prices on everything dramatically. Gas here is up $.30 since the hike July 1st. A minimum wage hurts the poor, the uneducated, and the less skilled by forcing them out of the workforce. Not all people are worth $11.40 an hour.


"It's not a pyramid scheme, pure pyramid schemes are illegal. ""Multi Level Marketing"" is technically legal, most stay within the legal boundaries but it's easy for a ""self-employed"" individual to step into the illegal realm by using deceptive sales tactics. When it's commission based renumeration Herbalife doesn't care who exactly makes the sale, just that someone did. That's no different than Google Adwords. Yes it is exploitative business practices and taking advantage of people who don't know better, but it doesn't appear illegal to me."


This is going to be the source of the next recession. Retail accounts for a huge part of domestic spending, and also makes up a large portion of employment. Lots of chains are going bankrupt or are closing down their brick and mortar, which means things like seasonal retail work will dry up. Small businesses that rely on holiday shopping to make revenue (eg. Black Friday) will be totally screwed.


12b1 refers to a specific marketing fee on funds in my world. are you referring to the expense ratio? yes - that is what fund wholesalers will do. another practice that won't affect your cost though. basically what i want to express is that you shouldn't need a flowchart to understand your fees. it is simply the layers of management that will raise your cost, in addition to any transactional fees.


"The article said $65,000 (rounds numbers imply an estimate) was the original amount she borrowed. However she isn't on the hook for only $65,000. Her loans have interest and ***one*** of the loans had an 8% interest rate. Let's ASSUME (for the purposes of this exercise to illustrate what compound interest can do to ""good debt"") that all of her loans are at 8% interest over a 30 year repayment period. Her total payments over the course of the 30 years will amount to $172,000. Yes that's a big number. $107,000 going to INTEREST and $65,000 going towards the original loan balance. More realistically her loans are probably in the 6-8% interest range (since interest rates were higher 20 years ago) so the amount is a little smaller, but the bulk of her payments will be for paying interest not paying down her loan balance. She really couldn't afford to borrow for a master's degree to make so little in a high cost of living area."


You have it in your head that regulation = good and deregulation = bad which is why I was trying to stress why it is situational. Regulating taxi industry was bad for consumers and taxi drivers. Deregulation through uber/lyft was shown to be good for the drivers and consumers. You should think in terms of outcome. We should regulate to encourage free market practices and deregulate to encourage free market practices. In this case, it would be prudent to regulate Idaho to make sure employers cannot force noncompetes so that free market reigns. In New York its prudent to deregulate the taxi industry so there is no artificial constraints on supply. Regulation and deregulation are neither good nor bad. Whether they constrict the free market or not is what makes them good or bad.


A bid is an offer to buy something on an order book, so for example you may post an offer to buy one share, at $5. An ask is an offer to sell something on an order book, at a set price. For example you may post an offer to sell shares at $6. A trade happens when there are bids/asks that overlap each other, or are at the same price, so there is always a spread of at least one of the smallest currency unit the exchange allows. Betting that the price of an asset will go down, traditionally by borrowing some of that asset and then selling it, hoping to buy it back at a lower price and pocket the difference (minus interest). So, let's say as per your example you borrow 100 shares of company 'X', expecting the price of them to go down. You take your shares to the market and sell them - you make a market sell order (a market 'ask'). This matches against a bid and you receive a price of $5 per share. Now, let's pretend that you change your mind and you think the price is going to go up, you instantly regret your decision. In order to pay back the shares, you now need to buy back your shares as $6 - which is the price off the ask offers on the order book. Because of this spread, you have lost money. You sold at a low price and bought at a high price, meaning it costs you more money to repay your borrowed shares. So, when you are shorting you need the spread to be as tight as possible.


There are no legal reasons preventing you from trading as a F-1 visa holder, as noted in this Money.SE answer. Per this article, here are the things you need to set up an account: What do I need to have for doing Stock trading as F1 student ? Typically, most of the stock brokerage firms require Social Security Number (SSN) for stock trading. The reason is that, for your capital gains, it is required by IRS for tax purposes. If you work on campus, then you would already get SSN as part of the job application process…Typically, once you get the on-campus job or work authorization using CPT or OPT , you use that offer letter and take all your current documents like Passport, I-20, I-94 and apply for SSN at Social Security Administration(SSA) Office, check full details at SSA Website . SSN is typically used to report job wages by employer for tax purposes or check eligibility of benefits to IRS/Government. I do NOT have SSN, Can I still do stock trading as F1 student ? While many stock brokerage firms require SSN, you are not out of luck, if you do not have one…you will have to apply for an ITIN Number ( Individual Taxpayer Identification Number ) and can use the same when applying for stock brokerage account. While some of the firms accept ITIN number, it totally depends on the stock brokering firm and you need to check with the one that you are interested in. The key thing is that you'll need either a SSN or ITIN to open a US-based brokerage account.


During gestation there are some foods that you should not take or that you should consume with precautions. Find out what they are to ensure these months go smoothly. During pregnancy, food plays an essential role, as it will contribute to your good physical and psychological health and will ensure what should a pregnant woman not eat the growth and good development of your baby . Your body needs a lot of energy and you must feed yourself well to meet your needs and those of your baby. A balanced diet will prevent certain diseases that worsen during pregnancy, such as fatigue, constipation, overweight, anemia, decalcification, etc.


The big difference for me under the High deductible plan has been that instead of paying the co-pay, now I am now responsible for the negotiated rate until I reach the deductible limit. The HSA is only a way to funnel medical payments through a tax free account the insurance company and the doctor don't care about the HSA. If we go out-of-network, then I am responsible for the full rate, but they only count the negotiated rate as a credit against the out of pocket/deductible. This big difference makes it very important to pick a doctor in-network. For your example: I would have paid $50 under the PPO, but $200 under the high deducible plan. If I go out-of-network I would have to pay whatever the doctor want me to pay, but the insurance company would only credit me $200 against my deductible. I can pull the extra $350 from the HSA. It is hard to get good pricing information from some doctors, but the price difference for me has been so large that in-network is the only way to go. For prescriptions the high deductible plan has been worse, because we pay the full price with no discounts for the medicine, until we reach the plan deductible. That makes the cost of the prescriptions as much as 10x's more expensive. In fact the annual cost of our prescriptions all but guarantees that we hit the deductible each year.


Unfortunately for the rest of us, avoiding the military industrial complex also avoids feeding the roads, schools, libraries and social programs industrial complex. Not to mention the shortfall has to be made up, so it's more taxes and more debt for the rest of us that can't afford to dodge it...


"Several options are available. She may ask the US bank to issue a debit card (VISA most probably) to her account, and mail this card to Russia. I think this can be done without much problems, though sending anything by mail may be unreliable. After this she just withdraws the money from local ATM. Some withdrawal fee may apply, which may be rather big if the sum of money is big. In big banks (Alfa-bank, Citibank Russia, etc.) are ATMs that allow you to withdraw dollars, and it is better to use one of them to avoid unfavorable exchange rate. She may ask the US bank to transfer the money to her Russian account. I assume the currency on the US bank account is US Dollars. She needs an US dollar account in any Russian bank (this is no problem at all). She should find out from that bank the transfer parameters (реквизиты) for transfering US dollars to her account. This should include, among other info, a ""Bank correspondent"", and a SWIFT code (or may be two SWIFT codes). After this, she should contact her US bank and find out how can she request the money to be transferred to her Russian bank, providing these transfer parameters. I can think of two problems that may be here. First, the bank may refuse to transfer money without her herself coming to the bank to confirm her identity. (How do they know that a person writing or calling them is she indeed?) However, I guess there should be some workaround for this. Second, with current US sanctions against Russia, the bank may just refuse the transfer or will have do some additional investigations. However, I have heard that bank transfers from US to private persons to Russia are not blocked. Probably it is good to find this out in advance. In addition, the US bank will most probably charge some standard fee for foreign transfer. After this, she should wait for a couple of days, maybe up to week for the money to appear on Russian account. I have done this once some four years ago, and had no problems, though at that time I was in the US, so I just came to the bank myself. The bank employee to whom I talked obviously was unsure whether the transfer parameters were enough (obviously this was a very unusual situation for her), but she took the information from me, and I guess just passed it on to someone more knowledgable. The fee was something about $40. Another option that I might think of is her US bank issuing and mailing her a check for the whole sum, and she trying to cash it here in Russia. This is possible, but very few banks do cash checks here (Citibank Russia is among those that do). The bank will also charge a fee, and it will be comparable to transfer fee. Plus mailing anything is not quite reliable here. She would also have to consider whether she need to pay Russian taxes on this sum. If the sum is big and passes through a bank, I guess Russian tax police may find this out through and question her. If it is withdrawn from a VISA card, I think it will not be noticed, but even in this case she might be required to file a tax herself."


It sorta has to do with zoning because we decided in Washington that we like have space between houses and a backyard. But because of that, we're spread out. And have longer commutes to work. Which leads to shitty traffic. The only solution to fix the traffic issue I can think of is for big corporations to stagger starting times but that might interfere with business operations. also give motorcycle riders a lane. Like in California


The economy is not zero sum. Just because one group is experiencing exponential growth, doesn't mean they're exploiting others to achieve it. To figure out whether or not those people deserve their wealth we have to examine exactly how it was accomplished. Did they lobby to shut out competitors? Did they take advantage of IP laws? Did they receive subsidies? Did they benefit from tax credits? Did they use eminent domain? And for each of these questions, follow up with the question of how much these actions affected their bottom line profitability. Anything less than this level of examination is lazy analysis, and should be regarded as such.


In other words, to a first-order approximation, the S&P 500 is always at an all-time high. I'm going to run with this observation a bit. The crash of '87 was remarkable. It was a drop of 1/3 in a short time, yet, when one looked at the year, the Dow was up nearly 5% with dividends included. A one-year Rip Van Winkler would have woken up thinking it an unremarkable year. I actually recall a conversation I had on Aug 25th 1987. I was discussing the market with a colleague over lunch, and while I didn't call the top that day, I remarked that it didn't matter much, that 5-10 years later just staying in the market would have been the right thing. Compare this 87-95 chart to the longer term chart derobert shows. In his chart, this is all but a blip. In my chart you can see it took about 3-1/2 years to be in the black, as the market then shot up from there. A dollar cost averager would not have bought at that short term high, well not more than a tiny bit. The best I can do to conclude is to say I'd never just buy in all at once. You buy in over time, X% of your income each month, and if you have a chunk to invest, smooth it out over a few years.


Can I wire transfer money from the my NRO account in India to my checking account in the USA? Yes you can. However there is some paperwork you need to follow. As per FEMA [Foreign Exchange Management Act], any transfer by individuals outside of India need the 15CA & 15CB form. The 15CB is from a CA to state that taxes have been paid on the funds being transferred. The limit is 1 million USD per year. Read more at Liberalized Remittance Scheme and here. Any limit on the amount and do I have to report this to IRS or any other legal formality? Assuming you were already declaring the funds held in Banks outside of US in your regular IRS filings, there is no other formality.


Your statement makes it clear that you have no idea whatsoever how money circulates through the economy. Pray tell, what percentage of U.S. GDP is consumer spending? You completely failed to grasp the relevant parts of the hypothetical scenario. The takeaway was that if 1 person has the same amount of income as several thousand people, the several thousand people will spend a vastly higher percentage of that same number. The rich don't have to spend their income. The poor and masses spend most of their income. To your comment about someone making $50k and spending $45k needing to improve their financial decision making... Well yea. But that's not the reality we have in America. I don't have the exact number handy, but you do realize that there are over 100 million people in this country who are not able to save $5,000 a year, correct? I wasn't making any sort of statement on what I think the proper tax rate should be on the wealthy, I was just telling you (along with everyone else here) that the rich don't spend as much of their incomes as the rest of society. But since you asked, probably 43% on income north of $700,000.


Thanks for the detailed reply. One thing that makes me furious is that whenever something screws up in other sectors (such as contaminated drugs, or a residential tower catching on fire), we always take necessary steps to prevent it from happening again. But for the financial sector, when they screw up there's this careless hand waving: Sorry, nothing could've prevented this... nothing can be done... perfect storm... market forces... those subprime mortgagors should've paid up... Like, seriously? We're just supposed to sit back and let it happen again and again? I never borrowed a cent from any bank in my life, yet I still got royally screwed by the recession in terms of where I am in my professional career. This goes for millions of other people too. Something needs to be done. Of course every regulation has its drawback, but as long as the benefit outweighs the detriment, I'm absolutely for it.


This will depend on you. Some types of counselling such as CBT or solution-focused therapy are often six to eight sessions. Whereas psychodynamic counselling will tend to be for a lot more sessions. Company Name: The National Counselling Society Address: 19 Grafton Road Worthing West Sussex BN11 1QT UK Phone: 01903 200666 Email: admin@nationalcounsellingsociety.org Website: https://www.nationalcounsellingsociety.org/find-counsellor/


Just a thought, but have you considered approaching your sister about assuming the student loans or repaying your mother (even if it is a small amount/month) for financing her college education? If she is in her last year of college, in theory she should be earning at least some income within the next 2 years. Also, it doesn't seem like a lot to ask considering the sacrifices (both financial and otherwise) that a single mom probably made over the years. I'm sure your mom would be hesitant to ask as it seems like she prioritizes her children above herself by your description of the situation, but I bet if you could talk the sister into the mom would grudgingly accept it if she really is in such a tight financial situation.


If I were in your position, I'd start reading about the job on my spare time. There are lots of good books that are available free if you know where to look *cough pirated* A couple of titles to start you off. (note I haven't personally gone through all of them) Market Risk Analysis - Carol Alexander Modeling Risk: Applying Monte Carlo Simulation, Real Options Analysis, Forecasting, and Optimization Techniques- Johnathan Derivatives: Markets, Valuation, and Risk Management - Robert E. Whaley Best of luck.


Take the easy approach - as suggested by John Bogle (founder of Vanguard - and a man worthy of tremendous respect). Two portfolios consisting of 1 index fund each. Invest your age% in the Fixed Income index fund. Invest (1-age)% in the stock index fund. Examples of these funds are the Total Market Index Fund (VTSMX) and the Total Bond Market Index (VBMFX). If you wish to be slightly more adventurous, blend (1-age-10)% as the Total Market Index Fund and a fixed 10% as Total International Stock Index (VGTSX). You will sleep well at night for most of your life.


"That's just your bias. You'll get over it. Back in the 80s when cruise control was really taking off, people were scared of letting the car do that one task. ""What if it doesn't let go and keeps the gas pedal down?"" ""What if it decides to floor it and drive me off into a ditch?"" Today, almost every car has cruise control and you don't think twice about turning it on. It's proven itself with a safe track history, so you trust it. There are absolutely instances of cruise control failing, but statistically, those outliers don't matter. Full automatic driving will be the same way. You'll learn to trust it, even if it doesn't have a perfect record."


No, as in just coming up start up. I'm sure that's the case but then again there must be some basic software that can make my life easier right? Like accounting softwares, etc that do not depend on the industry the startup is working in. Any?


> It was interesting to read the data regarding student loans, and the type of impact it has had to borrowers. The Fed did not necessarily signal the economy is in trouble, but a great deal of households don't have adequate savings to sustain against a moderate financial shock. One of the impacts of the student loans -- or one they didn't seem to mention -- is that there are *fewer* households being formed than there normally would be given the population demographics... young people are not only staying in school longer (and piling up more student debt just from that, in addition to the higher tuition aspect), but when they get out fewer of them are establishing their own homes (with all that that entails in terms of spending) and/or they are spending a lot LESS on those things than past cohorts have (and of course higher rental & utility and other costs -- along with flat wages/salaries -- haven't helped that part of the equation either).


Paying down your mortgage now will decrease the total cost of your home loan and the time period for which your loan lasts. Even if you trade up in that time period, you will be that much closer to being free of house payments. Owning your home outright gives you a significant amount of freedom to consider less lucrative and more personally fulfilling career options- especially if your work environment becomes unpleasant. It can also help you weather the storm of a job loss more easily (though you should also build an emergency fund). Homes are depreciating, illiquid assets with significant transaction fees. It is wise to get a starter home that meets your current needs and move up to a home that better meets your needs as you mature. However, getting on the status treadmill and buying large showy homes that generally exceed the utility that you get out of them is expensive, a poor investment, and often impairs the ability to generate long term wealth.


"There are places that call themselves quant funds that are like what you describe, but most are not. ""Quant fund"" can just about mean anything from ""we use computer screens when we read 10-Ks"" to ""our PhDs write signal processing programs without even knowing what the input data represents, and we run those programs with no manual intervention."""


UBI is actually a neoliberal tool to combat poverty, and support for it among the left only further cements the neoliberal agenda. Social security was meant to address inequality, not poverty, and was a form of socialism of income. UBI does not try to address inequality and as such justifies its existence.


The US is boxed in by its own trade policy, intentionally, so we can't, its [barred by free trade deals](http://www.pnhp.org/sites/default/files/Nick%20Skala%20GAT%20and%20Health%20Reform.pdf) since 1995, the three we are working on will even [bar it in other countries](http://www.oneillinstitutetradeblog.org/slovakia-prevails-investment-treaty-claim-concerning-universal-health-coverage/). This kind of reason is what all the secrecy is for.


They remain navigable, so with enough warning they can fly out of the path. Which sort of sucks since it mans you lose connectivity *during* the hurricane. From the videos, they say they fly these balloons into the stratosphere, up to 65 thousand feet; they may be able to fly these *above* the hurricane if it is small enough. Not sure if they would be too far away to provide LTE connectivity during that time though. I don't think they can come down and be re-launched the way another comment said. They have a custom launching hardware you can see in the videos, and they would essentially need to re-inflate the balloons. Keeping this equipment safe and operable during a hurricane is going to be the real challenge with this, and afaik they only have a few launchers, and then juts fly the balloons to be in place, so much more likely they would fly them out of the way, then fly either those balloons or new balloons in place after the hurricane has passed.


">> (NK and Iran with nuclear weapons, both say publicly ""death to America""). > Iran's nuclear facilities are under 24/7 inspections by the US and IAEA. LOL!!!!! Reminder from history: Bill Clinton signed a contract with NK and even gave them nuclear reactors ""to prevent NK from having nuclear weapons!"". LOL!!!!! Do I have to explain you what happened few years later on? Then came Obama and did the exact same with Iran. Do you really believe that Iran will not have nuclear weapons? Really? Why did the USA and UN imposed more sanctions on Iran again and again, even recently? Do you believe Iran when it says daily ""death to the USA""? Back to NK: if they even dare to send a missile towards any other country, they will be wiped out from the map, with nuclear weapons you don't even know of."


"I had two points. The first is that personal anecdotes are worthless. The second is that these collectivized statistics are meaningless. It's the same thing as ""median salary"" in a state or something. The median salary is such a useless statistic. How does a median salary affect me if I'm making X?"


I think rather than simply being about a surge in demand for craft and local food, this might be a short-term consequence of millenials' delaying the start to their families. I went to chilis, applebees, ruby tuesday's, and other mid-tier, dine-in restaurants when I was a kid for what could be the same reason as every other kid: the food was better quality than McDonald's but still relatively cheap, the atmosphere was family friendly, and you could trust the continuity of the foregoing across different cities. Millenials like local and craft vendors when they have the money to spend, but they still love the hell out of some Popeye's and Chick-fil-a, which are anything but local. Why go to RT's if you don't have the problem of having to feed a bunch of picky kids who wouldn't know the quality of local fare anyway? Just my take.


Have you been looking for a flower arrangement for your office? Maybe to say thank you to friends or family for their help? No matter what sort of flower arrangement you are looking for, we can provide you with everything that you need to make it look great. #Calgary #Flower #Delivery #Florists #Shops


There was a 60minute special on it this past Sunday. Quite interesting to watch, but I can't say I blame them because it is true that the Chinese copy and steal other comapny's innovation and use it as their own.


As a side note, how come airlines don't accept cash for in-flight beverages, headphones etc... I'm guessing this is tied to their trust of their employees, or because they don't want to give any incentive for violence/unrest on the plane (ppl trying to steal the cash), but neither really make sense to me.


"I was in a similar situation, and used FX trading to hedge against currency fluctuations. I bought the ""new"" currency when the PPP implied valuation of my ""old"" currency was high, and was able to protect quite a bit of purchasing power that I would have lost without the hedge. Unfortunately you get taxed for the ""gain"" you made, but still helpful. In terms of housing market, you could look into a Ireland REIT index, but it may not correlate well with the actual house prices you are looking for."


they were terribly run with uncompetitive prices. I mean I took one walk through a newup and comer like HH Gregg and I was impressed. Limited selection of products but for what products they carried they had a nice range of cheap but workable to expensive but justified priced hardware. Where as Sears had two year old models of TVs selling for the prices of this years. And Kmart is just scuzzy.


As per Chad's request, I recommend that you keep at least one card in each name as primary card holder, with the spouse being the secondary card holder, most easily done by each adding the spouse as the secondary holder to his/her own card. Since credit reporting is usually in the name of the primary credit card holder, this allows both to continue to have credit history, important when the marriage ends (in death or divorce as the case may be). When you travel, each should carry only the cards on which he/she is the primary card holder; not all cards. This helps in case of a wallet or purse being stolen; you have to report only one set of cards as lost and request their replacement, and you have a set of cards that you can use in the mean time (as long as you are not in different places when the loss occurs).


SharePoint 2010 helps you cut costs with a unified infrustructure while allowing you to rapidly respond to business needs. Blue Label Hosting’s hosted solutions can save you 50% or more of what it would cost you to do the same in house.


"What options do I have to transfer money to UK from Pakistan ? You can do a SWIFT / International Wire. Most Banks in Pakistan will allow you to do this. Note: Pakistan still Manages Forex and it is not freely convertible. You would need to comply with Foreign Exchange Act. You have to fill Form ""M"" giving the details and purpose of remittance. In these 5 years they bought 2 properties on my name for me worth around £12000 x 2 = £24K, based on currency conversion rate of that time. You would need to pay capital gains on this sale in Pakistan. You would also need to declare this gain in UK and pay taxes accordingly. Some relief can be claimed under DTAA [Dual Tax Avoidance Agreement]"


Would make sense that the higher liquidation cost and Transaction costs are driving the share price down. Higher liq and transaction means higher investors would require higher return, driving down the share price. The other possibilities I can think of off the top of my head, based on looking at the firm for five minutes 1) In transaction costs, did you include tax? Disclaimer: math below done on the back of the envelope in between meetings; So, NAV says they are at ~$75M. Liquidating that entire portfolio means about 22% capital gains tax rate. Which means after tax value is about $60M. Add in any fees you'd incur from trying to sell this stuff, and it's not unreasonable to assume you'll only get about $55M once all is said and done, which is pretty close to the actual market cap. If you have accounted for the above, consider ; 2) Bulk of their investments seem to be in private assets. Which implies that they have some discretion in how they mark the value of those investments. And, there is the chance that the market doesn't have confidence in these guys. What's their performance been like in recent years? Especially with a private asset portfolio, I'd be weary. If I was to invest in them, I'd want a higher return for the opaque portfolio.


If you will leave the money invested for a good long while (years) then dividend paying stocks would be appropriate. There are many that pay yields of 3 to 4 percent, which you can take as income or reinvest to compound the growth. There is a lot of good analysis of stocks (and mutual funds that specialize in dividend paying stocks) at Morningstar.com


"> Another way of looking at it: most people think that the way to promote hiring women is to make them better potential employees, but another way to do it is to make men worse potential employees (by giving them the same time off). Nothing more than lowering the bar. Just like all the misinformation thrown around about the ""assault on women"" and the fictitious ""pay gap"", a majority of women *choose* to be the family member that takes time off from work. Making men ""worse potential employees"" doesn't change much since women will still choose to take the time off. As a result, you have *two* people not showing up for work, as opposed to just one."


"I'm trying to see where you're coming from -- I'm trying real hard. While I think you're entitled to your opinion, I think it's a bit harsh. Is it the most amazing piece of literature I've ever read? No. That aside, she makes some very good points to the whole ""Startup"" mentality. While there are companies/startups that don't fit in to that mold exactly, a vast majority of them do."


Go for 15 years loan - Lower interest rate over 2-5 years period. If you can afford to pay 20% down then please do. Do not assume the average ROI will +(8-10%). It all depends on market and has variable factors like city, area and demand.


"Considering Android has 85% of the smartphone market according to the article and you'd be hard-pressed to find an Android phone smaller than 4"" screen I'd say you're absolutely wrong. The ""average"" person certainly does want a bigger phone."


I think the debacle they are referring to for Facebook's IPO is the Nasdaq debacle. Nevertheless, Wall St ripped off retail investors pretty good with Facebook's IPO. * Step One: Hype up major online company * Step Two: Overvalue IPO * Step Three: Sit back and watch the money roll in * Step Four: Watch all those suckers take losses and maybe even short the stock to make more money. * Step Five: Repeat with next IPO. Just business as usual with Wall St, when will America ever learn?


I live in Upstate NY. It's a great, reasonable cost place to live -- provided that you have a job. In NYC, there are probably a few hundred jobs with duties similar to mine in a 45-minute radius. Upstate, there may be 5-6.


"Oh, I don't doubt they're available - after all, I did pick one up. But I hope you're not just saying ""Oh, they don't have a job? They must be dirt"". You never know - some may still have yet to be the right person, in the right place, at the right time. Regardless of effort. Regardless of talent."


Prices are adjusted for return and not payout. So if you take the ratio of the close price and the adjusted close price, it should remain constant. The idea behind a total return (back-)adjustment is to give you a feeling how much money you would have needed back then to reach the price today under the premise that all distributions (dividends, spin-offs, etc.) are reinvested instantly and that reinvestment doesn't cost anything.


Employers will only ever pay the lowest salaries they can get away with. High tech labor needs to quit working for peanuts. When they realize they need us to keep the world turning, they will be forced to pay more. This is nothing new. It is a matter of respect.


"1.65% is the annualized interest rate. If it is pail semi-annually, you'd get 8.23 every 6 months. And yes, if the YC is upward sloping, it means that 30 years t-bills pay higher interest. Thats a premium they pay for having your money locked in for a long time. It makes sense if you consider that they'd pay you that rate (say 2%) for the next 30 years. If for some reason interest rates in 25 years from now are like 15-20% (like they were 25 years ago) and inflation around the same rate, you'd still only be making 2%, on top of bleeding purchasing power of your initial investment. That's why long-term bonds require a premium. That being said, sometimes you get an ""inverted yield curve"", where yield's fall with the longer maturities. Look that up."


"I assume there is a large amount of competition. Ask yourself: ""What makes you better or different from other drivers?"" If you have an answer, then make it more obvious to customers. If you do not have an answer, then make yourself better or different from other drivers and let customers know. Example: In Chiang Mai, you can get delicious street food just about anywhere. How do you separate yourself in a sea of strong competitors? One lady started wearing a cowboy hat, it was different. People take notice and remember the hat. People only remember the 'cowboy hat lady.' Now you can type into Google ""cowboy hat lady"" and her food stand comes up."


Yep. It's psychological. Same thing with Amazon and shipping costs. I don't pay shipping with Amazon because I let them take a few days to get the product to me. In reality, I absolutely do pay for shipping, but it's indirectly baked into the cost of the product itself. It's great seeing the cost upfront when deciding whether or not to buy it. It sucks to see one price then get hit with a ton of BS charges when checking out.


"No, it's not fair usage at all. Maybe meets a legal definition of fair usage, but it's not what we'd consider a ""straight faced"" claim. Any amount of chicken added to a recipe is ""100%"" chicken. A molecule of chicken in a recipe qualifies it to include ""100% chicken."" It's tautological. It's designed to make you believe the product is more wholesome or free of additives than it actually is. It's a psychological scam, like pretty much all packaging and marketing."


"Life insurance is not required to be used to pay the debts of the estate. Life insurance proceeds are not part of your estate. They go directly to the beneficiary, and are their property. Your daughter can do whatever she wants with the proceeds. She can pay off your credit cards if she wants, but she doesn’t have to, even if your will said she should use the insurance money to pay your debts. If that’s what you really want, you should make your estate—not your daughter—the beneficiary of your insurance policies. Then, the proceeds will become part of your estate, so they’d be available to repay your debts. Source ... if the deceased owned life insurance and nominated a beneficiary of the policy, the proceeds of that policy would not pass into the deceased's estate, but would go directly to the nominated beneficiary Source The amount of the life insurance is included in the estate for the purpose of calculating estate tax, but not for the purpose of debt repayment. The estate for the purpose of estate tax is called the ""Gross estate"" and includes many things that are not included in a ""probate"" estate. Source"


If you want to spend all of your money in the next few years, then a CD protects you from the risk of a bear market. however, if your time horizon is longer than 10 years, then the stock market is a better bet, since it is less effected by inflation risk. also, as you point out average stock returns are much higher, ignoring volatility. On the whole, CD's appeal to people who would otherwise save their money in cash. generally, it seems these people are simply afraid of stocks and bonds because those securities can lose nominal value as well as real value. I suspect this is largely because these people don't understand inflation, nor the historical long-term index fund performance.


"I'm guessing a 6 figure income but I'd settle for upper middle class. I've not looked at what the top 20% of income statistics look like. They likely include a sector of ""sub rich"" or even sub super rich if you will that heavily finance the lifestyle. It's getting hard to define what rich really is because the inequality is so great. For many rich would be simply doubling or tripling thier income. The reality is that rich now means exponentially richer."


I really hate to say this, but part of the problem with society is people like you. Too many people find it very easy to justify doing things they know is wrong. The fact that doing something illegal/unethical is what gives you pleasure, as opposed to doing something good/worthwhile, is very sad.


"> I'm sorry you never learned that we should work to live, not live to work. Its truly sad. I'm not in this group, but there are lots of folks whose work is actually something they are passionate about and they'd do it anyway. Not everyone is secretly pining to work as little as possible(though a lot of people are, I'm sure.) Don't slam it with some aphorism about how we should ""work to live"" when some people feel their work is their ""purpose""(the musks of the world). Just different goals. Your friend in Thailand sounds like he has a wonderful life, I'm not knocking it."


I think precious metals as an investment might set one up for disappointment. Why does it seem to continually decline despite the variance? As many have noted, there isn't much productive use for precious metals, and no major wars are taking place, so they aren't being used as currency substitutes, not to mention that more is being pulled out of the ground every day. The real reason why this graph shows silver to decline in real value over time is because its using a suboptimal price index. An optimal one would most likely show a stable price over the long run. Silver is a great speculation if one can determine with high confidence the direction.


One year is short term -- short enough that trying to predict returns is a crap shoot. Frankly, if you will need the money in one year I wouldn't touch anything riskier than a money market account. $5000 also isn't enough to give you much flexibility in achieving a balanced portfolio, since the minimal initial purchase for mutual funds is often around $2500. (I'm not sure whether ETFs would give you any more flexibility.) So on grounds of both size and time horizon, I have to recommend against this plan. The risk of losing money, with insufficient time for gains to balance that risk, is simply too high. Others may feel differently, of course. But that's the best advice I can offer.


Yes and No. See Q14 on this following Dept of Labor page: http://www.dol.gov/ebsa/faqs/faq-consumer-cobra.html In particular, note: Coverage begins on the date that coverage would otherwise have been lost by reason of a qualifying event and will end at the end of the maximum period. It may end earlier if:... After the COBRA election, coverage is obtained with another employer group health plan that does not contain any exclusion or limitation with respect to any pre-existing condition of such beneficiary. The max coverage you can get is 18 months (under some circumstances 36 months), but make sure to review the limitations/possible reasons for it ending earlier that are described on that page. Your HR/benefits person can advise you - I'd certainly touch base with them.


"I used H&R Block this year 2013 to do my 2012 taxes and it was a snap! Ubuntu 12.10 with Firefox 20 and everything worked great! Although it is not listed as one of the ""supported"" platforms, Firefox breezed through the application without any problems. I used the deluxe version of H&R to calculate my mortgage and home business deductions, but I would guess any of the H&R versions work."


I debited the principal and interest accruals to an asset account and credited an equity account Why equity? This is clearly income. Generally, except for open balances and additional owner's investment - you wouldn't credit the equity accounts, ever.


The recommended way to track TSP funds in online portfolio tools is to track the underlying index and know that the results are pretty close. Not a perfect solution: :( Source including suggested ETFs: http://finance.yahoo.com/news/breaking-down-tsp-investment-funds-194600393.html Related, but not exactly what you are looking for, Personal Capital will track your TSP holdings: http://themilitarywallet.com/manage-thrift-savings-plan/


De Haardout Handelaar biedt het beste kwaliteit brandhout in Nederland. We hebben hout uit een breed scala aan natuurlijk hout zoals de Birchboom. Onze ovendroogde brandhout zorgt voor efficiëntie tijdens het branden en is geschikt voor diverse doeleinden zoals open haarden. Het hout bevat minder vocht en biedt meer brandtijd.


"Q) Will I have to submit the accounts for the Swiss Business even though Im not on the payroll - and the business makes hardly any profit each year. I can of course get our accounts each year - BUT - they will be in Swiss German! You will have to submit on your income from the business. The term ""partnership"" refers to a specific business entity type in the U.S. I'm not sure if you're using it the same way. In a partnership in the U.S. you pay income tax on your share of the partnership's income whether or not you actually receive income in your personal account. There's not enough information here to know if that applies in your case. (In the U.S., the partnership itself does not pay income tax - It is a ""disregarded entity"" for tax purposes, with the tax liability passed through to the partners as individuals.) Q) Will I need to have this translated!? Is there any format/procedure to this!? Will it have to be translated by my Swiss accountants? - and if so - which parts of the documentation need to be translated!? As regards language, you will file a tax return on a U.S. form presumably in English. You will not have to submit your account information on any other form, so the fact that your documentation is in German does not matter. The only exception that comes to mind is that you could potentially get audited (just like anyone else filing taxes in the U.S.) in which case you might need to produce your documentation. That situation is rare enough that I wouldn't worry about it though. I'm not sure if they'd take it in German or force you to get a translation. I was told that if I sell the business (and property) after I aquire a greencard - that I will be liable to 15% tax of the profit I'd made. I also understand that any tax paid (on selling) in Switzerland will be deducted from the 15%!? Q) Is this correct!? The long-term capital gains rate is 15% for most people. (At very high incomes it is 20%.) It sounds like you would qualify for long-term (held for greater than 1 year) capital gains in this case, although the details might matter. There is a foreign tax credit, but I'm not completely sure if it would apply in this case. (If forced to guess, I would say that it does.) If you search for ""foreign tax credit"" and ""IRS"" you should get to the information that you need pretty quickly. I will effectively have ALL the paperwork for this - as we'll need to do the same in Switzerland. But again, it will be in Swiss German. Q) Would this be a problem if its presented in Swiss German!? Even in this case you will not need to submit any of your paperwork to the IRS, unless you get audited. See earlier comments."


The futures market allows you to take delivery at the lowest cost. Most people don't deal in 100oz gold bars and 5000oz of 1000oz silver bars though, especially at the retail level. That said, when you are at the retail level, often times you will find reputable Internet dealers offering the lowest cost of ownership. Keep in mind brand name though when you're doing this. Reputable refiners/mints will often see higher premiums versus generic, and this does matter to some extent. Quantity and weights also matter in terms of pricing; the more you buy the lower the premium.


No one has considered the tax write off at the end of the year? Will the house be in the parent's name or his, and can one of them take a write off for taxes and interest at the end of each year? On a small salary this may mean he has no tax liability for the four years, and can possibly make up the extra buying costs.... also, look at the comps in the area for the past five years and see if home values have increased and turnover rate for the area will tell you if people are buying in that area...


Taxation is theft. So you are right there is no fair share of theft. And you are right we don't hold our state to the same standard as we would any other gang that demands a cut of your income. But you want to hold people that we voluntarily do business with to a higher standard than those that steal from us?


The question is valid, you just need to work backwards. After how much money-time will the lower expense offset the one time fee? Lower expenses will win given the right sum of money and right duration for the investment.


Cynical answer: Real Estate agents make money on commission from sale of houses, so their compensation is tied to the home price. Banks make money off loans, so it is in their interest to make larger loans (as long as the loan gets paid). So their is a tension at the bank between selling a larger mortgage, and ensuring that their customer can pay the mortgage. Gross income is easier to check, and the taxes at a given income are fairly predictable. And banks realized that people can change their medical and retirement deductions.


"If you take the argument that the larger the purchase, the more important the CEO then you look at the two largest purchases consumers make... a house and a car. The house we can eliminate because there aren't any CEOs or companies involved... well, unless you want to look at the banks hosting the mortgages. When it comes to cars I can tell you from my experince that the company or CEO never entered into it. I decided on a make and model based on reliability and price and never once comsidered the company backing it. Turned out to have been a mistake because I bought a Chrysler and most of the local dealers went out of business shortly after I bought it. Car purchases are largely an emotional deal, not an intellectual or financial one. The best brands sell you on what you feel about the brand, not what you know about the brand. Heck, there have been reams and reams written about ""selling the experience"", which is what companies like BMW, Apple and REI all do incredibly well. I think you'd find that if you replaced ""water"" with ""automobile"" you'd get a similar result. Who was the CEO of Chrysler when I bought my car? No freaking clue. At all. I still don't know."


Let's say a stock trades at $100 right now, and you can buy a $100 call option. When you buy the call option (and the money you paid is gone), one of two things can happen: The share price goes up, or the share price goes down. If the share price goes up, you profit. If the share price goes down, you don't lose! Because once the shares are below $100, you don't exercise the call option, and you don't lose any money. So if you have a share that is rock solid at $100, you don't make money. If you have a share where the company owner took some ridiculous risk, and the shares could go to $200 or the company could go bankrupt, then you have a 50% chance to make $100 and a 50% chance to not lose anything. That's much more preferable.


There are a lot of union jobs like that. I once was a union worker at a plant. The company had 11 plants, of which two were union. The two union plants were not coincidentally the lowest producing plants the company had. My buddy who got me hired there and I kept getting told to slow down and not work so hard. While I was there, the company fired a worker for sleeping and drinking on the job. The company had filmed him doing these things. He fought it. The union backed him and he won on the grounds that the company had singled him out - there were apparently other people doing these things, but he was the worst so they had picked on him first. The company was forced to re-hire him. A few months later, the company shut down the plant and *everyone* lost their jobs. Go union.


Although the market discussion by other answers is correct, the tax structure of many developed nations (I am familiar with Canada in particular) offers a preferred tax rate for dividend income compared to taxable gains. Consequently, if your portfolio is large enough to make transaction fees a very small percentage rate, this is a viable investment strategy. However, as the preferred tax rate for dividends typically will catch up to that for capital gains at some cut-off point, there is a natural limit on how much income can be favourably obtained in this way. If you believe your portfolio might be large enough to benefit from this investment strategy, talk to a qualified investment advisor, broker, or tax consultant for the specifics for your tax jurisdiction.


There is nothing inappropriate about this reply, yet I'm bumped down to -1 to make me invisible. That is not how debate is supposed to happen. If someone disagrees, they should do it in words. Downvotes are for inappropriate conduct.


Are you in the US? Because if so, there are tax discrepancies. Gains from sale of stocks held for less than one year are subject to ordinary income tax, so probably around 30%. If you hold those stocks for a year or more, gains will be taxed as capital gains tax, 15%. For Forex, taxes on your earnings will be split 60/40. 60% will be traded at the lower 15% rate, while the remaining 40& will be taxed at a higher rate, approximately 30%. So purely short-term, there is a tax advantage to dabbling in Forex. HOWEVER - these are both incredibly risky things to do with your money! I never would recommend anyone invest short-term looking to make quick cash! In fact, the tax code DISCOURAGES people from short-term investments.


"We're discussing the ""why"" and ""how"" USA companies [ab]use H1B visas, when it is so clear and so obvious that companies do this purely to lower costs, even if there are US workers willing to do the work. The H1B visa is unequivically part of the race to the bottom. You defended it as, ""in an ideal economy...."" without presenting your idea that way to u/Yangoose and even told u/Yangoose they were wrong about how the economy works. You didn't present your ideas as part of a hypothetical government that had far less regulation or far less corruption than the USA has to u/Yangoose"


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> The idiocy... it's palpable. I once worked at a company that was stingy with its programmers. The company needed some more talent and paid some big bucks to raid another local company with the niche knowledge... the new programmer started and one of our guys gave notice. The other company raided one of ours.


Market Makers are essentially just there to process the buys and sells of traders, so just like you and I buy and sell at the ask and bid prices they do to. They are just completing the process of making our orders a reality. Market makers are just representative of brokers, meaning that when you place your order at ask or bid, you are placing that particular brokers order at ask or bid. People often say that certain brokers have too many shares and claim that they are games when really that just means that there happen to be a lot of people using a particular broker all at once, or more troubling, perhaps even company execs using a broker, to sell a large amount of shares.


> ES_F June today the most recent 5 min bar has 809 volume. while the september has 10616 volume on the same bar. on my rolled over contract, the ratio based adjustment has happened last week (9 bus days prior to expiration) > 1. Commision p/l should be subtracted as actual actual. absolutely BUT, initially, it is interesting to see if there's a good positive bias in the strategy. then we check whether comm/slippage eats it all. if so we try to play it in an index/etf whatever that charges less c&s/. agree ?


While you are correct that no broker-dealer ever qualifies for FDIC and it could be sufficient for customers to know that general rule, for broker-dealers located at or 'networked' with a bank -- and nowadays many probably most are -- these explicit statements that non-bank investments are not guaranteed by the bank or FDIC and may lose principal (often stated as 'may lose value') are REQUIRED; see http://finra.complinet.com/en/display/display_main.html?rbid=2403&element_id=9093 .


I guess I didn't fill in all the holes at first, but what I'm implying with this system is that the company bonds would be the currency of the territory, as monetary policy would be decentralized and be replaced by competing money supplies that firms and individuals would be free to choose from and switch between at any time, whether they prefer an easy or tight monetary policy at any given moment. At this point, the bonds would be the most liquid thing around, as you could repay your bonds in the bonds of another, and any one of these bonds could be used to pay taxes. It's a scenario I've been working out because I see the drawbacks of centralized money laid out by F.A. Hayek in Denationalization of Money, but I don't think a gold standard would be sufficient in today's world. (Most of the scenarios I've planned this out in assume the scenario of a perfect competition market, where all firms breakeven with expenses, and the role of researcher and developer is taken up by the government, so life improvements can still occur over time.)


I will add: 1. We need a Business Analyst to evaluate this / we need more data / we need more research, etc... 2. The color, system name, etc are not a good choice and it should be blue / AGURSX system. 3. We need this to meet the deadline of [some made up required date/goal despite the manager having no prior clue about this current proposal] 4. We need changes to meet our limited resources... 5. I will work on selling it to top management, but I need a simplified description of this. I am in a rush... but I can easily think of 100 more management tricks...


Most US banks allow to initiate wire transfers online. (I do it regularly with BoA and JPMorgan-Chase) Once you have your account details in Germany, you log on to your US account, set it up, and initiate the transfer; that should go through within one day. The exchange ratio is better than anything you would get buying/selling currency (paper cash money), no matter where you do it. Chase takes a fee of 40$ per online transaction; BoA 45$. The receiving bank might or might not take additional fees, they should be lower though (I have experienced between 0€ and 0.35%). Therefore, it is a good idea to bundle your transfers into one, if you can.


"Just remember that the numbers can be quite remote from the realities . Look at the corporations that are crashing and ask yourself - ""would any of the numbers have told me what was going wrong with the corporations and what needed to be done to fix them ?"" . Look at , for example , Sony , HMV , Best Buy etc. ."


People will always eat out. Waited tables during the last recession, had no problems making money. I agree with the people in the article, it will discourage tipping and potentially lower their pay. It has nothing to do with taxes as everyone claims either.


It is unlikely that the plan is worth doing, given the numbers you have used. However, your thinking is correct that given enough of a rate differential, it could be worth doing. Consider that for each $100k of your mortgage [and I assume your limit for an unsecured personal loan is likely far less than 100k], you would save only $50/year by taking out a personal unsecured loan of 3% and paying off your 3.05% mortgage. Instead, such low unsecured rates may be a signal that it would be worthwhile for you to renegotiate your mortgage. You will likely need to pay a fee, but the savings could be significant. For each $100k of mortgage, a 1% rate change from your current rate saves you 1k per year. So if you can get a mortgage rate of 2% [which may be possible if an unsecured loan costs you 3%], compare the initial administrative fee against those savings, over the course of the term of the renegotiation. ie: $300k saves you 9k over 3 years, so would be well worth even an initial $3k admin fee.


Yes did this. Had 5 years management experience at a state level with industry specific qualifications (financial services). Interview with the dean, written request and I was in on the basis that after the first 4 terms they could either give me a graduate diploma and send me on my way OR let me finish the MBA. Now I have an MBA.


You need to step back and accept the real truth that she was a TERRIBLE candidate. In my immediate family I have five brothers and sisters. Four of them voted for Obama in 2008 and 2012. None of them voted for Hillary last November. Same story with so many people I know at work and in my community. They wanted to vote Democrat but not her. Anyone but her.


The order book looks fine, if it were a liquid market. However, a bid that matches with an ask will always be met on a first come first serve basis. There's no other way to do it. Most traders don't like doing that because they want to try to get a lower price. HFT don't have to worry about meeting the ask because they're just going to pass that cost on to the guy on the hook. By the time the HFT makes the buy they already know the guy wants to buy at 70.00 They did not know that at the time they placed the buy order. If the buy order from the HFT hasn't been cancelled it means they already found someone. How? By testing the market with sell orders at the same time they were sending buy orders. They keep a little bit of stock in reserve to perform these tests.


"Right - if you want to blame the banks for the unsustainable ""NINJA"" loans they gave out, you can't turn around and slam them for not lending to people in struggling financial positions. Pick your poison. A better solution would be for the government to step in to this gap and re-finance mortgages themselves, but the Republican party has made that politically unsustainable."


You don't, because no one will. (In fact, if you want to patent an *idea* -rather than a process or a design- it probably sucks.) So you just bring the product to market. Then you can either move forward patenting it yourself, or demonstrate that it's a preexisting idea and dispute all other subsequent patents. And the way you bring your product to market is by gambling your life.


My question is, how do you rebuild a home, without the money to rebuild the home? I ignorantly thought that was why we paid for insurance. The reason that you have insurance is so as to keep the mortgage lender from losing money. That's why you buy the insurance through the mortgage lender and they get paid. Without the insurance, you'd have no home but still have a mortgage. You'd either have to pay off a mortgage with no house or have to declare bankruptcy to shed the mortgage. You essentially have two paths. If you (or the builder/suppliers) can afford to float the cost, you can rebuild the original house. You'll eventually get the $161,000 and can pay off the builder and suppliers. This may involve taking out a construction mortgage to refinance the original mortgage. Presumably the construction mortgage would be with a different lender. The other path is that you can sell the existing property as is, and use the insurance and proceeds to pay off the existing mortgage. Then you'd have no house and no mortgage. You start over and buy a house with a mortgage. It's possible that your insurance payoff isn't enough to pursue either path. Then your option is to get the insurer to make a bigger payoff. This may involve suing them. Note that you may be able to talk the government into suing the insurer for you. They do have regulators who can review things. If you can't get government action, there are lawyers who will do the suing and take their fees out of their winnings.


Since you reference SS, I surmise you are in the US. Stock you inherit gets a stepped up basis when it's inherited. (so long as it was not contained within a tax deffered retirement account.) When you sell, the new basis is taken from that day you inherited it. It should be minimal compared to your desire to diversify.


Uber should have crushed Lyft by being the first to market a long time ago. Instead they blew their lead by dumping all their money into 1. Warring with Google, which they will lose, and were always bound to lose, because nobody at Uber has ever heard of NDAs or sunk cost fallacies 2. Tolerating PR scandals until the point where customers actively sought out an alternative not because the product was bad, because Uber was in many ways a superior product, but because they saw Uber as a bad company. And it takes a lot to lose customers in that situation. What a stupid company.


You should have a separate business account. Mixing business and personal funds is a bad practice. Shop around, you should be able to find a bank that will let you open a free checking account, especially if you are going to have minimal activity (e.g. less than 20 of checks per month) and perhaps maintain a small balance (e.g. $100 or $500).


>I take advantage of this distortion to offer to buy your gold for half its free market value. This is where I disagree. The price you get *actually is* the market value. If not, you clearly don't have the skills to be trading in gold, and should immediately get out of that business. But let's continue with your example, where starvation is the *only* alternative. The only thing preventing your death by starvation, is the *ability and willingness* of David Siegel to accept your offer. In your example, he has saved your life. Ah, but how did he come to be in a position to do so? It took him many years of his life, and he chose to forego many of life's pleasures along the way, to ultimately attain the ability to save *your* life. Suppose he had never done so. Perhaps you would have never ended up with gold, as it would be worthless to you. Or you still would have acquired the gold, and then just died. As far as the timeshare thing goes, if people are willing to accept a vacation in exchange for allowing someone to attempt to sell them something, I see nothing wrong with them doing so.


"To me, I get what people are saying and don't hold semantic differences against intelligent people who may not have insight into my perspective as an employer. If someone says ""professional development"" instead of ""training,"" sure, it sounds much more slick. Are the two terms materially different? No, and unless there are other indicators of subpar communication for the training dude, it's silly to devote an ounce of energy to giving a shit when the question itself is inherently valid."


The dividends on CD's typically get put back on the balance of the CD depending on the instition. That money then becomes available to withdraw if you so decide, but if you leave it in the account you will earn more interest. The interest is compounded off the total balance which includs any dividends that have been added in the CD. You essentially only get paid out once typically on a CD which is the time of maturity. After that you have 10 days to either roll this into a new cd and cash it out. The dividends typically get paid out (or put back on the cd) quarterly, but it depends on the institution as well. Try going to the following website to find out how much you will make. You will need to ask your institution if they pay out monthly or quarterly first. Put in the beginning balance, how often it's paid out, the interest, and months and it will tell you your ending balance. http://www.bankrate.com/calculators/savings/bank-cd-calculator.aspx My suggestion: Stay away from CD's at this time. The interest rates are too low to bother with.