>Ah, the downvotes. When the headline is all that someone sees before reading the story, it's important to state explicitly the affected parties. Consumers and businesses are not the only possible parties given a regulation concerning lawsuits. Your attempted retort doesn't even make sense. Your title points at the affect on businesses, his points at consumers, then you go on to argue as if your title was more correct because there are other concerned parties, despite the fact that your title didn't mention either consumers or these fabled other parties? You earned the downvotes.


If you are trying to invest in closely held / private companies (things that don't trade on the stock market), you will run into a variety of regulatory problems. For various reasons, most private companies only raise funds with accredited investors. To be an accredited investor you basically have to have $1,000,000 in net worth - NOT including your primary residence, OR you have to make over $200,000 a year for the last two years and expect to keep making that much. This is a class distinction the Federal government created, you will see different but similar wealth and investment classes worldwide. So your best most organized opportunities are left out, unless you do qualify as an accredited investor. There are tons of other companies, things you will find locally, that will let you invest in their smaller time operations. (Think like a local yoga studio looking for $20,000 and willing to split the profits with you). But the problem here is lack of accountability, where partners skip town or just stop answering your calls, and the legal remedies cost you more than your claim. That being said there are people that provide capital to smaller publicly traded companies on the bulletin boards and pink sheets. They have opportunities do much better than the actual stock market investors in these companies, because you can negotiate contracts that let you cash out in their inevitable financing death spirals with very little risk to you. You can do these things as an individual or as a holding company, but the holding company will limit your liability to the amount your holding company invested, instead of your personal assets, in case your financing starts to incur liability with the company.


Ben je benieuwd naar wat er beschikbaar is in alle toiletten is? Neem een kijkje op de website. Deze online sanitair bedrijf verkoopt niet alleen een breed scala aan staande toiletten producten en accessoires, kunt u altijd rekenen op kwaliteit tegen de beste prijs.


It sounds like you do. You earn money in NC, so that's where it is going to be taxed first.


Hmm.. hey bro, not personal, but is what comes to mind: I guess my answer will be highly down voted... =P


At my farm our turkeys live their entire lives outdoors on pasture (except for the first three weeks when they need artificial heat to survive); they don't receive any medications or antibiotics; and we slaughter them ourselves without pumping their carcasses full of... whatever butterball pumps into their turkeys. We charge $3.75 a pound, so our birds range from about $45 to $75. What ends up being really expensive are heritage turkeys. These are old-fashioned breeds that gain weight very slowly and have a huge feed-to-weight ratio. They take much more feed and labor for the same amount of weight, and so are often upwards of $6.00 a pound. We don't raise them because one of our goals is raising good food that normal folks can afford. Also they can fly, which throws our whole raise-them-outdoors system into logistical chaos. Naturally raised turkeys are there to be had, but you have to look for them. Check out [Eat Wild](http://eatwild.com/) to find a pasture-based farm in your area that raises turkeys. Good luck!


Sure. So how do domestic interests get protected if the US pulls the nuclear option, aka trade war? These things do tend towards MAD if escalated, hence lose/lose. The only winning move is not to play. In that respect, this is not only a dick move (US has at least as much to lose from global climate change as EU) it is a *stupid* dick move. Because it backfires, and ruins things for everybody. Including the US.


Yeah, except they underbid based off of information and plans that changed 3 weeks in (not their fault). So now they have to foot the bill? I've been in too many construction jobs where exactly this happens. No plan survives the encounter with reality fully intact.


There is a fundemental misunderstanding: the business and the owner are not the same entity. You said: I give the business $25,000 and take 50% of the business. No you can give the owner of the business 25K, and now he has 25K and 50% of a 50K business. That 25K sits in Mr. Smith's bank account, not Acme Widget's account. A more simple example is when you buy a car. The money goes to the car dealership, it does not get put into the car's glove box. You may be thinking of an investor in a business. He could pump $$ into the business as operating capital for a share of the business. In that case, it would be a bit unfair to get 50% of the business for a 25K. However, the owner may be interested in doing such a deal because value of the investor can add more than just $$ to the business. Having a celebrity investor might do more good for the business than the actual dollars. Another situation is that the owner might be desperate. Without a influx of cash the whole business might end. There are guidelines to business evaluation, but valuing them is not an easy thing.


Well first, this is a very small proportion of teslas that can do this, it was only one model that is discontinued and was a cheaper alternative to the 75. Any person who bought that car knows that they can upgrade to the 75 at any time by paying the difference. They did this so more people have access to a Tesla and just didn't design a whole new battery to reach some people. This is not bad at all, you get what you pay for and it's the same thing as just buying a smaller battery. If it was only 60 kWh you couldn't unlock it for emergencies, so it's an added bonus, not a bad thing.


"It might be best to step back and look at the core information first. You're evaluating an LLC vs a Corporation (both corporate entities). Both have one or more members, and both are seen similarly (emphasis on SIMILAR here, they're not all the same) to the IRS. Specifically, LLC's can opt for a pass-through tax system, basically seen by the IRS the same way an S-Corp is. Put another way, you can be taxed as a corporate entity, or it's P/L statements can ""flow through"" to your personal taxes. When you opt for a flow-through, the business files and you get a separate schedule to tie into your taxes. You should also look at filing a business expense schedule (Schedule C) on your taxes to claim legitimate business expenses (good reference point here). While there are several differences (see this, and this, and this) between these entities, the best determination on which structure is best for you is usually if you have full time employ while you're running the business. S corps limit shares, shareholders and some deductions, but taxes are only paid by the shareholders. C corps have employees, no restrictions on types or number of stock, and no restrictions on the number of shareholders. However, this means you would become an employee of your business (you have to draw monies from somewhere) and would be subject to paying taxes on your income, both as an individual, and as a business (employment taxes such as Social Security, Medicare, etc). From the broad view of the IRS, in most cases an LLC and a Corp are the same type of entity (tax wise). In fact, most of the differences between LLCs and Corps occur in how Profits/losses are distributed between members (LLCs are arbitrary to a point, and Corps base this on shares). Back to your question IMHO, you should opt for an LLC. This allows you to work out a partnership with your co-worker, and allows you to disburse funds in a more flexible manner. From Wikipedia : A limited liability company with multiple members that elects to be taxed as partnership may specially allocate the members' distributive share of income, gain, loss, deduction, or credit via the company operating agreement on a basis other than the ownership percentage of each member so long as the rules contained in Treasury Regulation (26 CFR) 1.704-1 are met. S corporations may not specially allocate profits, losses and other tax items under US tax law. Hope this helps, please do let me know if you have further questions. As always, this is not legal or tax advice, just what I've learned in setting several LLCs and Corporate structures up over the years. EDIT: As far as your formulas go, the tax rate will be based upon your personal income, for any pass through entity. This means that the same monies earned from and LLC or an S-corp, with the same expenses and the same pass-through options will be taxed the same. More reading: LLC and the law (Google Group)"


Say one makes $60k/yr. The net gain is that half these funds are received about 2 weeks prior. To keep the math simple, let's assume a 12% return per year on the funds during this time. $30K * 12% is $3600. But 2 weeks is about 4% of a year, so $144. That's at a 12% return. In an offset mortgage the return will be closer to 4%, a $48/yr benefit. With short term rates at or below 1%, we're really looking at a gain of $12 or so for the extra time with the funds.


"Tulips became a popular investment for Middle-Class Dutchmen > ""the population, even to its lowest dregs, embarked in the tulip trade"" - [source](https://en.wikipedia.org/wiki/Tulip_mania#Mackay.27s_Madness_of_Crowds) Ask the average ""[Ow, my Balls!](https://www.youtube.com/watch?v=wAg1r6zw7Bg)"" viewer what Bitcoins are used for. You'll hear: 1. ""Hoarding"" 2. Tax evasion 3. Paying for drugs, slaves or hit-men"


The issue I have with the Camry these days is pretty shallow but they strike me as fleet cars. Here in Toronto I'd say 90%+ of the Taxis are Camry's. Maybe a good buy if your goal is blend in...


If you are tax-resident in the US, then you must report income from sources within and without the United States. Your foreign income generally must be reported to the IRS. You will generally be eligible for a credit for foreign income taxes paid, via Form 1116. The question of the stock transfer is more complicated, but revolves around the beneficial owner. If the stocks are yours but held by your brother, it is possible that you are the beneficial owner and you will have to report any income. There is no tax for bringing the money into the US. As a US tax resident, you are already subject to income tax on the gain from the sale in India. However, if the investment is held by a separate entity in India, which is not a US domestic entity or tax resident, then there is a separate analysis. Paying a dividend to you of the sale proceeds (or part of the proceeds) would be taxable. Your sale of the entity containing the investments would be taxable. There are look-through provisions if the entity is insufficiently foreign (de facto US, such as a Subpart-F CFC). There are ways to structure that transaction that are not taxable, such as making it a bona fide loan (which is enforceable and you must pay back on reasonable terms). But if you are holding property directly, not through a foreign separate entity, then the sale triggers US tax; the transfer into the US is not meaningful for your taxes, except for reporting foreign accounts. Please review Publication 519 for general information on taxation of resident aliens.


Having been both I see the pros and cons Employers: I personally hated all the paperwork. Government forms, legal protection, insurance, taxes, payroll, accounting, year ends, bank accounts, inventory tracking, expenses. The best bosses don't worry about the product, they worry about maintaining an environment that is good for the product. Good employees who are happy will make good products that you can sell to customers who are happy with your company. I personally went back to employee because I wanted to go home at night and forget about work. Employers cannot do that.


"There still is some buying and selling to do in a passively-managed fund. The stocks might pay dividends. If the fund manager didn't reinvest these dividends, the fund would begin to accumulate a cash position, which would cause it to stray from being an index fund. Stocks come and go from an index as well; if the fund is to maintain a composition that matches a particular index, this must be taken into account as well. The role of the manager is to ensure that the fund maintains the composition that it was intended to replicate. It doesn't involve as much ""stock picking"" that active managers do. The manager has less leeway as to what s/he buys and sells, but there still is work involved."


Seriously, the corporate greed in these situations is insane... I'll give them the benefit of the doubt that it's an algorithm jacking up the prices as they see more and more sales but fuuuuuck it really sucked dropping $2K to get to safety when normally that same flight would be significantly less.


"I wonder if ETF's are further removed from the actual underlying holdings or assets giving value to the fund, as compared to regular mutual funds. Not exactly removed. But slightly different. Whenever a Fund want to launch an ETF, it would buy the underlying shares; create units. Lets say it purchased 10 of A, 20 of B and 25 of C. And created 100 units for price x. As part of listing, the ETF company will keep the purchased shares of A,B,C with a custodian. Only then it is allowed to sell the 100 units into the market. Once created, units are bought or sold like regular stock. In case the demand is huge, more units are created and the underlying shares kept with custodian. So, for instance, would VTI and Total Stock Market Index Admiral Shares be equally anchored to the underlying shares of the companies within the index? Yes they are. Are they both connected? Yes to an extent. The way Vanguard is managing this is given a Index [Investment Objective]; it is further splitting the common set of assets into different class. Read more at Share Class. The Portfolio & Management gives out the assets per share class. So Vanguard Total Stock Market Index is a common pool that has VTI ETF, Admiral and Investor Share and possibly Institutional share. Is VTI more of a ""derivative""? No it is not a derivative. It is a Mutual Fund."


"Its fraudulent because it is feeds on new investment to pay the old investors, the EXACT definition of a Ponzi. And it now is contingent on the faith of the US, as with most other debts. There is no ""trust fund"" of this wealth sitting waiting for us if the USA fails. But do tell me, how is SS not a ponzi scheme? Does it not use new money to pay the old? If the new money ran out, would it not default on its debts (in the future)? And what part of the constitution says the US government should collect some of my wages and save it for me for later? You do know, some people have opted out of SS? Even the US government will not take the fight to court. They know its a sham."


As you move toward retirement, your portfolio is supposed to move toward low risk, stable investments, more bonds, less stocks, etc. Your question implies that you want to increase your income, most likely because your income is not satisfying your desires. First, any idea that you have that risks your savings, just eliminate it. You are not able to replace those savings. The time for those kind of plays has passed. However, you can improve your situation. Do random odd jobs. Find a part time job that you're willing to do for 10 hours a week or something. Keep this money separate from your retirement savings. Research the stock trades you would like to make and use that 'extra' money to play in the market. Set a rule that you do not touch your nest egg for trading. You may find that being retired gives you the time to do the #1 thing that helps investors make good investments -- research. Then when you make your first million doing this, write a book. If you call it Retire - And Then Get Rich, I expect royalties and a dedication.


As stated above, the IRA accounts themselves are individual. But if you want to simulate a joint account, the following actions would help: Make sure to setup each account with the other spouse as the beneficiary so that each account goes to any surviving spouse should the unexpected happen. Some brokers (I know TDA does this) allow you to grant access to your account to another login, so that effectively one spouse could make the invest decisions for all your accounts. This is better than simply sharing your username and password, which is against many T&Cs. If you do this in both directions, each spouse has access to all accounts.


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"1. (a) Visit #3 (Kevin Barrett, Ted Torbich, Jan Irvin, 9/11, human sacrifice, occult mass ritual, dark shamans, United States of America, September 11, 2001) at https://www.reddit.com/r/Missing411/comments/41oph0/supernatural_abductions_in_japanese_folklore_by/d1tjdex Source: https://www.reddit.com/r/Missing411/comments/41oph0/supernatural_abductions_in_japanese_folklore_by/cz3we2z (b) Visit #2 (science, occult rituals, magic, USA) at https://www.reddit.com/r/worldpolitics/comments/5bpc5x/an_update_for_my_readers_by_peter_levenda/dfauxj7 Source: https://www.reddit.com/r/worldpolitics/comments/5bpc5x/an_update_for_my_readers_by_peter_levenda/d9q9006 2. ""JASTA another stupid law"" by Mahmoud Ahmad, published on 3 October 2016: #2e at https://www.reddit.com/r/worldpolitics/comments/564rcx/jasta_another_stupid_law_by_mahmoud_ahmad/d8g9s2e Source: https://www.reddit.com/r/worldpolitics/comments/5b9bza/the_political_system_of_the_usa_is_characterised/d9mq22q Via: #1 at https://www.reddit.com/r/worldpolitics/comments/5bpc5x/an_update_for_my_readers_by_peter_levenda/d9q9006 3. ""The CIA's Holy War: No espionage operation or covert action was deemed too extreme by a CIA that saw only friends or enemies"" by Stephen Kinzer, published in the June 2016 issue of American History: #7a at https://www.reddit.com/r/worldpolitics/comments/5bpc5x/an_update_for_my_readers_by_peter_levenda/ddlcuvl Source: https://www.reddit.com/r/worldpolitics/comments/5bpc5x/an_update_for_my_readers_by_peter_levenda/d9q9006 4. Read https://www.reddit.com/r/worldpolitics/comments/5b9bza/the_political_system_of_the_usa_is_characterised/d9mq22q Source: #1 at https://www.reddit.com/r/worldpolitics/comments/5bpc5x/an_update_for_my_readers_by_peter_levenda/d9q9006 Via: #26 at https://www.reddit.com/r/Missing411/comments/41oph0/supernatural_abductions_in_japanese_folklore_by/cz3we2z 5. ""The Untold Story Behind Saudi Arabia's 41-Year U.S. Debt Secret: How a legendary bond trader from Salomon Brothers brokered a do-or-die deal that reshaped U.S.-Saudi relations for generations."" by Andrea Wong, published on 30 May 2016: https://www.bloomberg.com/news/features/2016-05-30/the-untold-story-behind-saudi-arabia-s-41-year-u-s-debt-secret"


The net benefit to the US economy for the DoD is likely positive thanks to the Navy alone, to be honest. But yah, it shouldn't be about it providing a positive return. I am not a supporter of USPS, though. It's an antiquated system. So much pollution, so much waste, and for what? So that you can get junk mail and businesses can continue to send you paper bills for some reason in 2014? I'd rather they take the $70bn budget of USPS and develop a nationwide wireless internet system (even if it's at Edge network speeds) and we can get rid of the USPS entirely afterwards.


A government official said that the e-filing website had seen overloading due to last-minute filings. The last date for filing the income tax returns (ITRs) has been extended to 5th of August 2017 for the financial year 2016-17, the original deadline was 31st of July, 2017.


Turmeric has its own traditional story which has added a milestone in Ayurveda and Siddha medicine. It is considered a Herculean purifier by Ayurvedic therapists. Though Ayurveda is considered as alternative medicine in western countries, it is the traditional one in India. It is a holistic approach to health that is designed to help people to attain longevity.


I work for a mortgage company but one that sells the loans we fund to banks. I've never heard of that risk mitigation incentive (lower rate for auto payments) but I know for a fact you will have a higher interest rate if you choose to pay your taxes and insurance out of your own pocket and not escrow them. I would contact the CFPB instead of an attorney and they will be able to tell you very quickly whether this is an acceptable practice or not.


Hitting the 25% marginal rate does not mean all of your earnings are taxed at 25%, only those that exceed the top of the 15% bracket. You can deduct any expenses for upgrading or repairing your apartments, those are subtracted from the earnings before tax is calculated as income, so you will probably stay in a lower marginal rate. Property tax will hit you annually, and capital gains tax will hit you when you sell them at the end. If you already have experience with this business in your home country, then this sounds like a good option for you. The only caution that I would give you is to find an accountant to help you with your taxes and pay for a consultation before you get started so that you know what to track that will help him/her minimize your tax bill.


How much damage has he done to the brand now, though? His name is a lot of his value AFAIK and now it will have very negative connotations forever except in specific demographics. You'd imagine he's knocked a fair amount of the value already. And I'm sceptical about the poorer rural one they're pursuing, because sooner or later his policies are going to bite them and he won't be popular there either.


Probably not. I say probably because your credit card's terms of service may treat certain purchases (I'm thinking buying traveler's checks off-hand) as cash advances. See also this question.


No. It's not mandatory you buy from them. If they have money and are rich companies is because they provide a good service and deliver value to people then get rewarded by customers with they money. It's different than the monopoly that government is. You aren't able to get from anyone else. You are just a slave from the system. So government creates monopoly. Now if some company decide to be a better search engine or anything else that Google does better than them then that company will get rewarded over Google. So, it's not a monopoly.


The best option would be to have the dental office allow you pay in installments. That would be probably the cheapest and most convenient way. When high amounts are involved - many medical offices are flexible with payments and allow spreading over long period of time, so you should check it out. Otherwise, credit cards would probably be the most expensive loan, but you should shop around and compare the rates offered to you, it is hard to guess would you may get.


The safest investment is probably a money market fund [originally I said a TIPS fund but they appear to be riskier than I had thought]. But you might not want to invest everything there because the returns are not going to be great. High returns come with high risk. The best portfolio has some percentage (which may be 0) of your money in a safe asset like a money market and some in a risky portfolio (this percentage may also be zero for some people). You should consult your own risk aversion and decide how much money to put in each. If you are super risk-averse, put almost all of it in the money market. If you want a little more return, put more of it in the risky portfolio. This is a fundamental result of finance theory. What's the risky asset? A fully diversified portfolio of bonds and stocks. People don't agree on exactly what the weights should be. The rule of thumb back in the day was 60% stock and 40% bonds. These days lots of financial planners recommend 120 minus your age in stock and the rest in bonds. But no one really knows what the perfect weights in the risky portfolio should be (the rules of thumb I just gave have little or no theoretical foundation) so you have to choose for yourself what you think makes sense.


Freakin' laws and taxes are such a headache. We should band together to eliminate these, but only in regard to our business interests. As for abortion and education laws, those are no headache to us. Creates more hard-working half-wits for us to exploit


First, keep about six months' expenses in immediately-available form (savings account or similar). Second, determine how long you expect to hold on to the rest of it. What's your timeframe for buying a house or starting a family? This determines what you should do with the rest of it. If you're buying a house next year, then a CD (Certificate of Deposit) is a reasonable option; low-ish interest reate, but something, probably roughly inflation level, and quite safe - and you can plan things so it's available when you need it for the down payment. If you've got 3-5 years before you want to touch this money, then invest it in something reasonably safe. You can find reasonable funds that have a fairly low risk profile - usually a combination of stock and bonds - with a few percent higher rate of return on average. Still could lose money, but won't be all that risky. If you've got over five years, then you should probably invest them in an ETF that tracks a large market sector - in the US I'd suggest VOO or similar (Vanguard's S&P 500 fund), I'm sure Australia has something similar which tracks the larger market. Risky, but over 5+ years unlikely to lose money, and will likely have a better rate of return than anything else (6% or higher is reasonable to expect). Five years is long enough that it's vanishingly unlikely to lose money over the time period, and fairly likely to make a good return. Accept the higher risk here for the greater return; and don't cringe when the market falls, as it will go up again. Then, when you get close to your target date, start pulling money out of it and into CDs or safer investments during up periods.


Does anyone know if there is a way to set up a practice account? I only have index ETFs currently, and would like to play around and get a feel for other stocks/options before putting real money into it.


"> PEW Research Center Social Media Report 2016 Here's [the link.](http://www.pewinternet.org/2016/11/11/social-media-update-2016/) I was looking for something this year and skipped over this one. I'd imagine these figures may have changed since the election. I don't doubt that FB overtakes the market in terms of users who have established a presence on the service. I'm just suspicious of that percentage actually representing *active* users of the service. I, for one, have an FB account but won't touch it with a 10 foot pole. I keep it open mostly as a ""phone line"" people can use to contact me if they don't have any other method of contacting me."


Guys, this discussion is fantastic. Finally I understand how money works. Lets make this event crisper and spread the word. I guess one edited text would work best. So I've put it in a Google Doc for us to improve (e.g. add links to Wikipedia for relevant terms.) https://docs.google.com/document/d/1YaVvkPYfrShWM4hTuWU7ncGItigql7iStCo85nAXI-U/edit I hope this is not an un-Redditish idea.


"Yes the source is pushing a survivalist agenda, and feeding whatever story they can coerce into that agenda. Yet the article directly linked the [federal reserve report](http://www.federalreserve.gov/econresdata/2013-report-economic-well-being-us-households-201407.pdf) the numbers came from at the start of the second paragraph. Something news articles rarely do, whether it be economics, legal judgements, or whatever. Hence the ""bullshit underneath"" is itself bullshit. I just wish all such articles from all sources would do the same."


Looks like it stands for Accident and Emergency. Yes, that is a grey aeea, similar to mental illness, disability, old age of those who cannot afford help, terminal sicknesses and autism. My heart goes out to them, while my brain calculates the cost to the national bottom line. For example, per one study, about 80% of emergency care is spent on extending the life of a terminally ill patient by only three months on a sick bed. That money could serve millions avoid sickness. I don't know what to say on this topic since it sits at the intersection of the current great national debate. Edit - Add to this list addicts, orphans, homeless, victims of crime and others I may have missed.


Get the worker put it in writing, and deduct it in December under constructive receipt rules. The fact that you're getting the actual cash in January isn't significant as long as you've secured the payment. Verify this with a tax adviser, but that's what I would do.


I'd be tempted to pay off the 35k in student loans immediately, but if you have to owe money, it's hard to beat zero percent. So I don't think I would pay it all off. Maybe cut it in half to make it a more comfortable payment. Currently, you are looking at $6K a year to pay them off, which is about 20% of your income. Cut that in half and you will sleep better! Definitely pay off the medical and credit cards. You're probably paying 20% on that. Clean it up. If you need a car, buy yourself a car. You have no savings, so I would put the rest in some kind of money market savings account. You are at an age where many people go through frequent changes. Maybe you get your own place, and you'll need to furnish it. Maybe you go back to school. Maybe you get married or have kids. Maybe you take a year off and backpack through Europe or Asia. You have a nice little windfall that puts you in a nice position to enjoy being young, so I would not lock it up into a 401k or other long term situation.


"Does the money lending between us need to be reported in our tax reports? No. Will he be taxed more because of lending the money to me? Yes. Will I be taxed more because of borrowing the money from him? No. How shall we report it so as to minimize our taxes? You cannot. What is reported on your tax returns is the income. A loan is not an income, so nothing gets reported. However, when you repay the loan, assuming it has interest, the lender has income: the interest. Interest income is reported on schedule B of the regular (1040/1040A) tax return (or, in the case of non-resident for tax purposes, on line 9 of 1040NR). It is taxed as ordinary income, and since you're both foreigners - the lender should look into the treaty provisions that might be relevant. Generally it is not exempt from taxable income based on treaty exemptions for students (which is only for earned income), but there might be other rules in the treaty regarding interest income. If there's no (fair market or higher) interest, then there's ""assumed"" interest at the IRS mandated rates, which is considered a gift. If it amounts to more than the yearly gift exemption, the lender may be liable for gift tax (depending on the lender's and your status, and again - see treaties). ""Loan"" without an obligation to repay and without actual repaying will also be considered a gift for tax purposes. If the lender has no intentions of having the loan repaid (i.e.: making a gift), it will be better to pay your tuition bills instead of actually giving you the money: tuition is exempt from gift tax. Talk to a CPA/EA licensed in your state for a proper tax advice on this issue."


I went through a very self damaging phase in my teens and wound up having to get a GED. I eventually followed it up with a punt for college and got a 2yr Assoc in Business. When I finally got my head out of my ass around my 30s, I realized how much I was stuck in the ~$25-30k bracket. I got an entry level job doing computer repair and started hitting the books & web. Soon, I was taking on web design and basic server admin duties. I got downsized and wound up looking again. Wound up in an entry level again doing first level support & inventory for a local ISP. I took an interest in networking and self studied for and got my Net+ and Sec+. I was acting as their local level network engineer but they weren't willing to change my pay or title so I began looking. I wound up getting picked up by a recruiter who helped me land a job that over doubled my pay and got me into a position where I'd get a lot of experience with high demand technologies and they'd sponsor my security clearance. I'm now closing in on the magical 6 digits but it's all about self motivation on constant education and learning. It should also be said that patience must be remembered. I knew I had dug a hole for myself and it wouldn't be overnight... I'm now in my early 40s so it's been a full decade of effort and just getting by.


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Sure of course you can do balance transfers like this but you are way late to the party and it has gotten to be pretty challenging finding new cards to transfer balances to. Before the current financial crisis in the US you could get enormous amounts of credit (2-5 times a person's annual income) and transfer balances to your bank account to collect interest . There were a bunch of ways to the transfer everything from direct deposit to your bank account to a balance transfer check payable to yourself to overpaying another credit card and requesting a refund. Over paying another account sets off a lot of red flags now days but other methods still work. The financial atmosphere has changed a lot and there are very few available cards with no balance transfer fees or capped fees and the interest rates are a lot lower now so it really isn't worth doing.


I would go with your alternative idea: get rid of the debt as fast as possible. You have $32k of debt. It's a lot, but with your new $90k salary, do you think you could get rid of it all in 12 months? See if you can make that happen. Once the debt is gone, you'll be in a position to invest as much as you want and keep all your gains. You are worried about sacrificing future money in your investments, but if you eliminate the debt over the next year, this will be minimized. Just lose the debt.


"Wow that's pretty bad with the passwords. I do have an account there which had my basic website up there but just with their default URL which is when I noticed how much facebook hated that and I hadn't gone through the process of connecting my domain name. I would have done more research if it was one that took payments or customer info but it's more of a hub for my work and the platforms I'm on so there wasn't that risk so I stuck it up there as a temporary measure, but it doens't seem like it is too good a one by the sounds for the long term. I also asked about this on r/webdev and I studied both buyshared and AWS (taking advantage of the ""free"" year) and I have now but the website on AWS (it took forever to work it out adn connect the domain but it is finally done now)."


Welcome to food service. I honestly don't know a chain restaurant run differently. You get shat on as a server. The entire system is rigged to use you as the flex point, the breaking post. Food wasn't good? The waiter gets punished through his pay, not the restaurant. The food was late? The waiter's pay get's punished, the restaurant get's their full payment. The host screwed up? Comes out of the waiters tips. The business isn't doing well? Mine as well dip into the servers tips, so we can pay EVERYONE $2.13 instead of minimum wage... So really, you have an enormous power to treat their employees better. Tip more. But some how, I don't see America tipping more.


Congratulations on your bonus may many more come your way. I am having a bit of trouble following your numbers but it seems you are considering PMI for the life of your loan. Once you get below 20% loan to value, you can petition the mortgage company to remove the PMI (with conventional loans; VA and FHA have lifetime PMI). If it was me, I'd do one of two things. Both involve paying off the student loan now. The savings from the student loan payment will assist you in helping you meet one of the two goals below. Also both involve getting a 15 year fixed. The first would be to buy the house now, and work like crazy to get rid of the PMI. My goal would be to get rid of this within 18 months. The second would be to save up enough cash for the 20% down and then buy the house. You'd miss out on the house you are looking at, which is kind of heartbreaking. Who is to say that a better home does not come along at the same price? My goal would be to have the downpayment in 9 months, and really try to have it in 6 months. Being an old guy that has experience how much of a virtue patience is, I'd recommend the second option.


Daycare which provides adequate care for your kids while you are working or otherwise not able to cater and care for them has become a business like any other There are many popular daycare franchise opportunities are available in every state. Examples of daycare franchise opportunities are TechJOYnT Foundation, The Growing Room and Discovery Express among others. While about STEM franchise, it is everywhere. No matter what career path your child might choose, STEM will be an important part of their day. Click here for more details: http://www.techjoyntfranchise.com/daycare-franchise-opportunities/


I would agree, if Americans were willing to do those jobs under the current circumstances. It's hard work; in the sun, for minimum wage (sometimes more), and many farms are exempt from paying overtime so you just get straight time for the 80+ hours you work in one week. However, there never seems to be the line for employment. Don't come complain about illegals taking jobs from Americans, when the American don't want to do the work.


"Yes! What you are describing is an ""off-exchange"" trade and can be done using stock certificates. Here, you will privately negotiate with the seller on a price and delivery details. That is the old-school way to do it. Many companies (about 20% of the S&P 500) will not issue paper certificates and you may run a hefty printing fee up to $500 (source: Wikipedia, above). Other other type of private-party transactions include a deal negotiated between two parties and settled immediately or based on a future event. For example, Warren Buffet created a deal with Goldman Sachs where Warren would have the choice to purchase GS shares in the future at a certain price. This was to be settled with actual shares (rather than cash-settled). Ignoring that he later canceled this agreement, if it were to go through the transaction would still have been handled by a broker transferring the shares. You can purchase directly from a company using a direct stock purchase plan (SPP). Just pick up the phone, ask for their investor relations and then ask if they offer this option. If not, they will be glad for your interest and look into setting it up for you."


Jeff Bezos; just like Jobs, Ellison, Zuckerberg, will never understand the plight of their employees. Their main goal is how much wealth and power they can consolidate for themselves. The Tech industry in general is a pretty horrible industry; huge profits very little return to the economy. Unless we vote in better politicians, we will always have to remind tech CEOs that charity begins at home.


"Yes. You did not notice the ""$1,410 Customer Down Payment"", the ""$650 Acquisition Fee"", the ""$350 Disposition Fee"" ""due at lease termination"", and the ""$275 security deposit"" for customers who do not have good enough credit. Also, ""A dealer documentary service fee up to $150 may be added to the sale price or capitalized cost."" These charges might (or might not) add up to the dealer profit margin. You can negotiate the ""Adjusted Capitalized Cost"" of ""$29,841"", and the ""documentary service fee"". By doing so, you can reduce your up-front payment (and the dealer profit margin). The price mentioned above ""Includes destination charge, but excludes state and local taxes, tags, registration, title and insurance."" Also, this is a ""low mileage lease"". If you choose to not purchase the vehicle at the end of the lease, you ""may be charged for excessive wear based on Toyota Financial Services standards for normal use and for mileage in excess of 24,000 miles at the rate of $0.15 per mile""."


I hate to be the person who has to say this, but... You do realize that there's a Juilliard (or Curtis, or Eastman School of Music, or even U of Michigan...) and then there's a fucking *University of Georgia*? Juilliard for music is like MIT or Caltech for computer science. The lady from Equifax wasn't quite bright enough as a musician to make it into Juilliard.


> I think all taxes are theft, no matter who they come from. That is a matter of opinion. Obviously, I disagree with that sentiment. Do you have a reason behind it? > Again, you haven't really substantiated any claim about your financial situation. I have scanned in a tax summary sheet from my CPA. I took off all the personal identifying data. I would be happy to share it with you, but I am not sure how to attach it to posts like this. Any ideas? > Additionally, I'm sure someone of your financial stature would have enough time to go on Reddit. I am an owner, if I want to sit at my work desk and reddit - as I am doing right now - I can do that. Not what I typically do, but I just got off travel, and trying to get back into it. Plus, I am procrasting a little bit, because we have some big projects coming up! I am still human! > Literally take your pick and we can begin Okay, I will pick a topic that I am more familiar with - Defense R&D. My position is that, while there are many companies that do R&D in the world of defense, there is also much innovation that comes from the government itself. GPS is one such technology. And while there are many very innovative companies that have built onto and done some amazing things with this technology, if it weren't for government investment and R&D, it wouldn't exist. > And yes, even people who advocate only higher taxes for the rich will end up with higher taxes for me (I.e. Bernie Sanders) What part of Bernie's proposal leads you to believe that?


Typically the fees are charged when the order is executed. The only catch I have ever ran into is when an order is partially executed. A good-till-cancel order that gets executed in several blocks over multiple days may get charged a separate commission for each day (but typically not each block). If this is a simple brokerage account, you could avoid the whole question by using robinhood.com, which charges no commissions or maintenance fees.


You will want to focus on how much is needed for retirement, and what types of investments within the current 401K offerings will get you there. Also will need to discuss non-401K investments such as an IRA, college savings, savings for a house, and an emergency fund. The 401K should be a part of your overall financial picture, how much you invest in the 401K depends on the options you have (Roth 401K available), how much matching (some a little or a lot), and your family plans. You have a few choices: Your company through the 401K provider may provide this service. They may have limited knowledge in what non-401K funds you should invest in, but should be able to discuss types of investment. Fee only planner. They will be able to discus types of investments, and give you some suggestions. Because they don't work on a commission they will not make the investment for you. You need to be able to make the actual selection of investments, so make sure you get criteria to focus on as part of the package. Commission based planner. Will make money off your investment choices. May steer you towards investments that their company offers or ones that offer them the best commissions in that investment type. If the 401K doesn't use funds that the planner can research you will need to provide a copy of the prospectus provided by the 401K. My suggestion is the fee only planner. They balance the limited focus of the 401K company without limiting themselves to the funds their company sells. Before sitting down with the planner get in writing how they fee structure works. A flat fee or hourly fee planner will be expecting you to do all the investment work. This is what you want. Let the fee only planner help you define your plan. But also reanalyze the plan every few years as your needs change.


There's an explanation of what that means a few lines farther down that page: It looks like they keep a record of ~600 days of their previous implied volatility calculations, but some symbols might not have that much valid data. So when they report the current IV as a percentile of all those previous IVs, they want you to know exactly how reliable that measurement is. If they only have 30 days of past IV calculations, then the percentile doesn't mean all that much. On the other hand, if they have 600 days of past IV calculations, then the current percentile is pretty significant.


Those who purchased Rola roof racks know they got it right and those that didn't purchase Rola roof racks, wish they had done so. Simply put, there's no better roof rack system in the World then the Rola roof racks.Fact is, Rola has been part of the Australian leisure and sporting scene since the early 1980’s which was when the company began operations. Their product was and continues to be so revolutionary in design, that customer's trust in Rola is total.


"Noted... the tricky thing is that some people are quite literally living paycheck to paycheck, even without any extravagant spending. If you're in this boat, and something comes up, like a broken tooth, or a transmission, or something else, and you think, ""Well, I can pay this big bill today, then my check get deposited in 2 days, so I can pay my phone then, even though it'll be a little late, and so on and so on. You weren't going to bounce anything, true, but then the bank took an extra day to deposit a check FROM ANOTHER BRANCH OF THE SAME BANK... and now you owe them $35. I'm not saying we shouldn't all be financially responsible, we should. It's just that things can be really, really tight for people. ""Just don't spend it,"" literally isn't an option. I honestly have been the best about money when I only had an account that I had to deposit by mail... I had to plan enough ahead that I couldn't get too low. I'm thinking I may go back to that system, just for that reason."


You're totallllllllly right - companies on social are mostly trying to make dough, but fuck me they royally fuck it up. Less than 1% of anyone liking a business' page are going to see anything the company posts. Yet here we are in 2017 with SME's still buying Facebook likes inventory as ad objectives. The fuck? When you hook your PPC into analytics and you run your hotjar and then see who's buying, who's abandoning and WHY - then you have a potent force for remarketing and ultimately selling stuff successfully via social. But as you say, most companies still going for organic social traffic which jusssssst ain't going to happen. Pay to play. <shrugs> Good convo with you man - appreciate a good Reddit yarn like this.


With AWS, they just took every single penny they made and spent it on R&D and infrastructure. That was a long term strategic investment. It wasn't like flooding a market with cheap steel to wipe out the other steel producers. Bezos created his own brand new industry with AWS


Ok, see that was my thinking too. Historically, stocks and land values have always gone up, even after the depression. So, it seems to me, that if you have a buy and hold strategy with a horizon of 10-20 years, then you should be fine. Is my thinking realistic along those lines?


Sounds like a bad idea. The IRA is built on the power of compounding. Removing contributions will hurt your retirement savings, and you will never be able to make that up. Instead, consider tax-free investments. State bonds, Federal bonds, municipal bonds, etc. For example, I invest in California muni bonds fund which gives me ~3-4% annual dividend income - completely tax free. In addition - there's capital appreciation of your fund holdings. There are risks, of course, for example rate changes will affect yields and capital appreciation, so consult with someone knowledgeable in this area (or ask another question here, for the basics). This will give you the same result as you're expecting from your Roth IRA trick, without damaging your retirement savings potential.


"Funnyman RUSSELL BRAND flew into a rage during a U.K. TV interview after he was quizzed about his split from KATY PERRY. The British comedian was promoting his new movie musical Rock Of Ages on The Graham Norton Show when the Irish host asked him about his failed marriage. Brand looked into the audience at his mom Barbara in the front row, then turned to Norton and accused him of making her tear up. He ranted, ""My mom is here. She got upset when you dragged up my marriage. I saw her cry, Graham. That's the reality because it's real people, Graham, that's my real mom. I have come here to promote a film and you made my mom cry. I don't see you as that sort of person Graham."" Norton insisted, ""I don't see myself as that kind of person,"" and explained that it would have seemed ""weird"" not to ask about Perry as she had been a guest on the show last week (07Jun12). Brand retaliated, ""Will people sit and think, 'Oh, that's odd.' What I would have done, mate, in your position is come up to me before the show and gone, 'Listen, it's a bit odd that your ex-missus was on last week. I might mention it, is that OK?' But in all of the chatting and the research backstage, no one mentioned it."" When Brand finally chatted about his failed union, he said, ""Some human beings get married and hopefully it works out for them and maybe it won't. If people get divorced, maybe that is a sad thing."" The heated exchange was edited from the episode when it aired on Friday (15Jun12). Read more: http://www.abc2news.com/dpp/entertainment/celebrity/Russell-Brands-TV-outburst-over-Katy-Perry-questioning_85350634#ixzz1yCips8Fo"


"This is the best tl;dr I could make, [original](https://projects.propublica.org/graphics/gdp) reduced by 95%. (I'm a bot) ***** > A recent report from the National Academies of Sciences, Engineering and Medicine found &quot;Little evidence that immigration significantly affects the overall employment levels of native-born workers.&quot; While not all people are affected by immigration the same way many studies have concluded the same thing: that immigrants by and large don&#039;t displace native-born Americans, and in fact sometimes actually create more jobs for the people already in this country. > Even during periods of extremely high immigration such as during the late 1990&#039;s and early 2000&#039;s, and including estimates of unauthorized immigrants, the U.S. only took in around 2 million immigrants per year. > It&#039;s Not Only About GDP. Of course, the question of how immigration impacts GDP is a small slice of a much broader question of how immigrants and immigration policies affect our economy. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6oe39h/the_immigration_effect_theres_a_way_for_president/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~171199 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **immigrant**^#1 **Immigration**^#2 **work**^#3 **percent**^#4 **growth**^#5"


Just as a renter doesn't care what the landlord's mortgage is, the buyer of a house shouldn't care what the seller paid, what the current mortgage is, or any other details of the seller's finances. Two identical houses may be worth $400K. One still has a $450K loan, the other is mortgage free. You would qualify for the same value mortgage on both houses. All you and your bank should care about is that the present mortgage is paid or forgiven by the current mortgage holder so your bank can have first lien, and you get a clean title. To answer the question clearly, yes, it's common for a house with a mortgage to be sold, mortgage paid off, and new mortgage put in place. The profit or loss of the homeowner is not your concern.


Outside of maintaining systems? Some IT guys get plugged into quant roles, not so much of the hardcore analytics, but maintaining models, programming in different languages, etc. Look at high frequency trading shops, they use engineers / math majors as their bread and butter to code algorithmic trading models. Lots of data-mining goes into these models, pulling up enormous amounts of historical trading data, determining patters, modifying the data to compensate for new variables. Hope this helps.


More moving parts will make your budget harder to keep track of, not simpler. Budget systems like You Need a Budget recommend simplifying your accounts, even if the various accounts give you specialized bonuses like rewards for restaurants or gasoline or travel. The effort of keeping track of all the options and accounts can outweigh the value you get from them. Instead, I recommend using a simple and structured budget system (like YNAB) that walks you through all of the steps toward building good habits and keeping them simple so that you can maintain the habit.


Aldi is run by like 2 people at a time. Customers take their trash to use as shopping boxes and put the carts back for them. They don't accept all methods of payment to avoid any fees.


Probably several years at least. Maybe more like ten years. You need to watch a market for a substantial period of time to make money consistently. If you hit it big before then, you beat the odds that were against you.


I don't want to get in the middle of a fight between you and your fiancee. Well, I suppose if she gets mad at me she can't break up with me or anything. But I'd say that you were right. Say you took the job. After 3 months there are 3 possibilities: The job becomes permanent. Hooray, everybody's happy. They say sorry, there is no long term position for you here, good bye. Now you've already quit your last job, this job is gone, and you're on the street. I don't know what the job market is like for people with your particular skills, but at the very least it would be inconvenient, and if you can't find another job quickly, you could be in serious trouble. They say they can give you a permanent job, but the pay, benefits, working conditions, whatever, will not be the same as they were for the temporary job. Now you're in a very poor negotiating position, as if you turn down any offer they make, you're unemployed. Something similar to this happened to me once: I quit my job to take a position with a contracting company. They placed me on a contract making a good salary, all around nice job. Then after a year I was told that the client wanted to turn this into a full time position. They were pleased with my work and were happy to hire me for the full-time job ... but the pay would be $15,000 less than what I was making as a contractor. I had already quit my previous job and moved to a new city. I had very little negotiating leverage. I basically had to take the job or be unemployed. @DStanley says you should have discussed this with your fiancee before making the decision. Fair enough, probably so. This is the sort of issue that can break up a relationship -- I mean radically different ideas about the proper balance between opportunity and security. Better to find out when you're engaged than after you're married. And if you were married you should certainly discuss such things with your wife and at least hear what she has to say before making a decision.


You can often convert the outstanding balance of a HELOC into a fixed-rate home equity loan, generally with the same bank. Doing this can open possibilities to extend the term allowing for lower monthly payments, but resulting in a larger overall payoff cost. Most HELOCs allow for an interest-only payment or in some cases no-payment at all if you still have unused available credit. Not advising that you do this. If you are struggling with the size of the payment converting to a fixed-rate, fixed-term loan may be what you need. The key will be getting the term such that you can manage both the principal and interest that will be included in the payment.


"This is the best tl;dr I could make, [original](https://www.ceps.eu/publications/eu-and-israel-partnership-and-weight-history) reduced by 87%. (I'm a bot) ***** > &quot;If I have to choose between a small Israel, without territories, but with peace, and a greater Israel without peace, I prefer a small Israel."" > Netanyahu&#039;s terms in office - he was prime minister in 1996-99 and again after 2009 - saw a sharp deterioration in relations with the EU. Seen from Jerusalem, the EU appears to be siding with the Palestinians; it is the Palestinian authority&#039;s largest donor, and some member states, including France, were early champions of Palestinian statehood. > With Israel&#039;s domestic politics having shifted dramatically to the right over the past decade or so, a loss of power for Netanyahu&#039;s Likud party or the prime minister&#039;s removal over an ongoing corruption investigation would change little with regards to attitudes towards the Palestinians, and hence relations with the EU. At the same time, the regional setting, with wars ongoing in Syria, Yemen, and Iraq; low-intensity conflict in Libya; and increasing competition between Saudi Arabia and Iran, shows little sign of improving. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6ywdm7/ceps_the_eu_and_israel_partnership_and_the_weight/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~206605 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Israel**^#1 **Palestinian**^#2 **EU**^#3 **Israeli**^#4 **war**^#5"


"Not only is this a marketing gimmick masquerading as an article, but the principle survey question it cites appears to be pretty stupid (I say ""appears to be"", rather than ""is"", because nowhere can I find the actual wording of the question). Compare the following questions: ""What would make you happier, a better boss, or a pay raise?"" ""What would make you happier, exchanging your current boss for the best boss you've ever had, or a 50% increase in pay?"" In the first case---the question apparently asked in the actual survey---the responder is left to interpret the relative sizes of the proposed improvements to their job. There's no reason to believe they're considering changes of commensurate size, and in fact there may be systematic bias toward a more significant envisioned improvement in their boss. Frankly, I would expect this bias, since a person's attitude toward their boss is often colored by the dictator-subject nature of their relationship. Let's be honest, we are predisposed to dislike people who have authority over us. When survey respondents are envisioning a ""better"" boss, they may very well be thinking about a boss who doesn't exercise that authority. But that's not a very realistic alternative, since such a boss would not be effective from the company's standpoint. In the second question, the respondent has more concrete alternatives to consider. Their alternative boss is at least now confined by realism: this alternative boss had to have at least existed. Furthermore, the pay rise is well-specified. Finally, any survey question on this matter suffers from the cheap-talk nature of surveys. If actually faced with this choice in the real world, would people put their money where their mouth is? I would hazard to guess that, as long as the pay increase was of a reasonable size, more than a few people who indicated ""better boss"" would ultimately take ""pay raise"" given the actual choice."


I would go here and play with the FASFA financial aid calculator to see if you qualify for grants, which is probably your ultimate objective. It would seem to me that qualified retirement contributions do not count towards eligibility provided you are younger than 59.5, and even then it would be questionable.


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Don't follow the sheep. Ice age, global warming, climate change, ect it doesnt matter. They will spin this scam anyway they can. A volcano eruption spews more carbon dioxide than man kind could in a life time. There are liberals who want to destroy the economy to make us so desperate that we turn to communism. They know that the best way to do that is to ruin the oil industry. Open your eyes.


Actually we have bridges falling apart and crappy school systems because the government took it upon itself to get involved in those things. If money would make schooling better, why has the quality of education decreased so much over the recent years while the money spent has increased?


I think you answered yourself. The rate difference is because of the base rates differences, and it's not worth moving money around because the rate conversions (even if the currency rates don't fluctuate) will eat up the difference.


"My suggestion would be""inclusive/ including 2% service charge"" or ""2% deductible towards service charge would apply"""


I'm not sure it is the best idea, but you can buy only 4 stocks generally. As you alluded to, you should take notice of the fees. Also note that many stocks trade at significantly lower prices than Apple's per shares, so you might want to factor that into your decision. You could probably get a better feel for transactions if you bought say 50 shares of a $30 stock; then it might be easier to see what it's like to sell some, etc. Note that specific trading sites might have various limits in place that would pose as barriers to this sort of behavior though.


Volatility typically decreases when stocks rise except pending news events or fast markets. It has a great impact of the premium of the option.


Just one more thing to consider: a friend of mine had some student loan debt left over from graduate school. Years later, through his employer, he was able to apply for and receive a grant that paid off the remainder of his student loan. It was literally free money, and a significant amount, too. The windfall was a little bittersweet for him because he had been making extra payments over the years. The cap on the grant was something like $50k and he wasn't able to use all of it because he had been aggressive in paying it down. (Still, free money is free money.) Sure, this is a unique situation, but grants happen.


Why are we pretending Mexico is some boiling cauldron these people are being thrown into? There are some areas to avoid for sure but if you aren't into illegal things and take skills you should have learned here and apply them there you'll be a big success in Mexico and you can visit US because Mexicans already get preference. And if you learn a skill you can come here on a work visa. I'm guessing people who act like this is a huge deal don't get out of the country much.


Oh so you've done the math then? Would you mind showing your work? Newsflash: good luck isn't unique to rich people no more than bad luck is unique to poor people. To suggest there is an economic system that eliminates bad luck is to suggest you believe Huggy-lovee-feefee Land is an actual place.


"This is the best tl;dr I could make, [original](https://www.nytimes.com/2017/07/10/opinion/health-insurance-free-market.html) reduced by 71%. (I'm a bot) ***** > A believer in free-market medicine, Mr. Ryan has said about health care: &quot;You get it if you want it. That&#039;s freedom.&quot; Yet being given services without your consent, and then getting saddled with the cost, is nothing like freedom. > Deep down inside, we all intuitively know that health care is not a free market, or else society would not allow me to routinely care for people when they are in no position to make decisions for themselves. > If we believe that those lying there in their most vulnerable moments deserve a shot, then we need to push forward with the idea that health care, at its core, must be designed around a caring system that serves all people fairly. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6mg1al/dont_leave_health_care_to_a_free_market/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~163842 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **care**^#1 **health**^#2 **free-market**^#3 **want**^#4 **believe**^#5"


Hello, I'm a bot. I see you have mentioned Trump's golfing problem. The current Trump golf count is at . . . **50**. . .costing US taxpayers a total of **$71,735,000** . More data about his excessive spending at my [*Trump Golf Counter*](http://www.golfwithdonald.com). The exact locations and dates of his golf trips can be seen [*here*](http://trumpgolfcount.com/displayoutings).


You should pay for school with cash. If you take out a loan, you are not really saving money; you are borrowing money. I do not think you will come out ahead borrowing a down payment at student loan rates.


I mean, how many movies can you ACTUALLY see per month? There are usually only like, 11 movies out every month. Unless you're just super bored and like to watch movies over and over again, there's not really a point in seeing one every single day. Also, the subscription doesn't come with free concessions. Which is where theaters make most of their profits


People just see socialized program and more taxes and it's enough to put them in a rage. I don't get it. Like c'mon seriously look into it. We can't have profit be the motive for everything in this society. It wasn't always like this.


"Your are mixing multiple questions with assertions which may or may not be true. So I'll take a stab at this, comment if it doesn't make sense to you. To answer the question in the title, you invest in an IRA because you want to save money to allow you to retire. The government provides you with tax incentives that make an IRA an excellent vehicle to do this. The rules regarding IRA tax treatment provide disincentives, through tax penalties, for withdrawing money before retirement. This topic is covered dozens of times, so search around for more detail. Regarding your desire to invest in items with high ""intrinsic"" value, I would argue that gold and silver are not good vehicles for doing this. Intrinsic value doesn't mean what you want it to mean in this context -- gold and silver are commodities, whose prices fluctuate dramatically. If you want to grow money for retirement over a long period, of time, you should be invested in diversified collection of investments, and precious metals should be a relatively small part of your portfolio."


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"Really? Because at Tier 5 for electricity I'm paying 35 cents a killowatt hour. And at $1 per watt for a panel, and 5 hours of sunlight per day in California, that's 142 days for pay back (grid tie). It seems like Solar panels are cheaper for the ""peak load"" issues. i.e. when the sun is hottest and people are running their AC's the highest, then the solar panels are kicking in (Grid tie). But using a battery to operate off grid doesn't seem feasible currently. And using solar panels to generate non-peak electricity doesn't seem efficient either."


It's not the intent, it's the delivery. Real complaints go through management, HR, and legal departments, not open posts on internal social networks. There is a right way to do things which usually don't result in your getting fired.


Well people aren't going to travel across the country to a casino. The issue though is that Pennsylvania in paricular created new ones that are stealing business from AC. New Jersey has legalized onlline gambling to try to give them an edge to avoid bankruptcy. that is helping slightly and expected to help some break even by the end of the year. However, I seriously doubt a large number will survive. Three will have closed by the end of the year as it is.


"Retired at 27, I have been travelling for some time now and am looking to get back to working on a major project... whatever that might be. ""Idle hands are the devils tools"" or something like it. This has been my philosophy: I plan to work till the day I die, but the hell if I will have to! Having financial stability totally kills motivation, I feel that every day. Sometimes I just want to blow half the money I worked for just for a reason to work for it again. Maybe thats the trick? Blow enough to bring your retirement down to age 50 again, then start hustling it back up. Unless of course you didn't 'make' the money in the first place. Then I guess you'll just have to find a hobby."


If you buy a new car, the odds that it will require repairs are fairly low, and if it does, they should be covered by the warranty. If you buy a used car, there is a fair chance that it will need some sort of repairs, and there probably is no warranty. But think about how much repairs are likely to cost. A new car these days costs like $25,000 or more. You can find reasonably decent used cars for a few thousand dollars. Say you bought a used car for $2,000. Is it likely that it will need $23,000 in repairs? No way. Even if you had to make thousands of dollars worth of repairs to the used car, it would almost certainly be cheaper than buying a new car. I've bought three used vehicles in the last few years, one for me, one for my son, and one for my daughter. I paid, let's see, I think between $4,000 and $6,000 each. We've had my son's car for about 9 months and to date had $40 in repairs. My daughter's car turned out to have a bunch of problems; I ended up putting maybe another $2,000 into it. But now she's got a car she's very happy with that cost me maybe $6,000 between purchase and repairs, still way less than a new car. My pickup had big time problems, including needing a new transmission and a new engine. I've put, hmm, maybe $7,000 into it. It's definitely debatable if it was worth replacing the engine. But even at all that, if I had bought that truck new it would have cost over $30,000. Presumably if I bought new I would have had a nicer vehicle and I could have gotten exactly the options I wanted, so I'm not entirely happy with how this one turned out, but I still saved money by buying used. Here's what I do when I buy a used car: I go into it expecting that there will be repairs. Depending on the age and condition of the car, I plan on about $1000 within the first few months, probably another $1000 stretched out over the next year or so. I plan for this both financially and emotionally. By financially I mean that I have money set aside for repairs or have available credit or one way or another have planned for it in my budget. By emotionally I mean, I have told myself that I expect there to be problems, so I don't get all upset when there are and start screaming and crying about how I was ripped off. When you buy a used car, take it for granted that there will be problems, but you're still saving money over buying new. Sure, it's painful when the repair bills hit. But if you buy a new car, you'll have a monthly loan payment EVERY MONTH. Oh, and if you have a little mechanical aptitude and can do at least some of the maintenance yourself, the savings are bigger. Bear in mind that while you are saving money, you are paying for it in uncertainty and aggravation. With a new car, you can be reasonably confidant that it will indeed start and get you to work each day. With a used car, there's a much bigger chance that it won't start or will leave you stranded. $2,000 is definitely the low end, and you say that that would leave you no reserve for repairs. I don't know where you live or what used cars prices are like in your area. Where I live, in Michigan, you can get a pretty decent used car for about $5,000. If I were you I'd at least look into whether I could get a loan for $4,000 or $5,000 to maybe get a better used car. Of course that all depends on how much money you will be making and what your other expenses are. When you're a little richer and better established, then if a shiny new car is important to you, you can do that. Me, I'm 56 years old, I've bought new cars and I've bought used cars and I've concluded that having a fancy new car just isn't something that I care about, so these days I buy used.


Shorting the Euro is the same as staying long the dollar, so if you're in the US you don't need to do anything. If you want to make some serious money you would want to either short specific European bank stocks, or buy puts on some of the European indices.


"My father said it best to 17 year old me, ""when you have money you'll be more conservative too."" Sure enough mid 30s me is more conservative and pissed off at people getting free stuff from my taxes."


I have lived in communal houses. Most people don't want roommates. Especially if that means having several kids. I feel like your arguments are practical, I suppose, but not realistic. If I had 3 kids right now, if anything I would probably be earning less money because my flexibility would be much less. I couldn't pursue an education to earn more money because I would still have bills to pay for my kids. My parents are poor, and they live in an area that my job options would be about 3, and none would pay much more than minimum wage. I am 26, but I have known plenty of 19 year old single moms who just aren't able to get a job that pays well enough to support them, and again, they have few options to develop new skills. I guess you can say it is their fault, but we can hardly say that subway shouldn't have to pay them overtime or what is really less than a living wage. Economists and reality have shown us time and time again that more wages overall means a healthier economy. Every state that has raised wages in the past few years is better off because of it. Every state that has done so has seen their economy grow, and joblessness go down.


There are a few scenarios I see possible: 1. Risk parameters in the algo were set very conservatively. Putting quotes out and canceling them is very common. 2. It was looking to exploit situations where someone rips through the book with a market order. 3. It was reacting too slowly to signals, and chasing opportunities that had already passed. Other comments: What do you believe front running is? Your version differs from the textbook definition. Quote taxes are more effective than minimum order durations. I wrote about how that works in a previous post in this thread.


Literally not a single word of your comment is true. 1) They just posted 26.9% gross margins, up 1.4% since last quarter, with zero ZEV revenue. 2) Your 11,000 number is completely made up, particularly given that they had zero ZEV revenue. 3) What competition? Name a car. There's nothing. Nothing out and nothing on the horizon. 4) Again, literally on that very same call, they said they've shaved hundreds of pounds off of the Model S since it started production due to improvements in battery technology. Batteries improve 8-10% every year. Everyone knows this.


Hey man, help is help and I appreciate anything and everything. The best piece of business advice I ever got was to always look at your company from a consumer's point of view and that perfectly lines up with what you just said. I'd love to see what you have.


I accidentally bought gems on Clash of Clans due to the finger print id, and I bought it on an american express gift card. But when I remembered I used up the gift card until it was at $0 and I still got the gems? Do I tell apple or what? Also could the gift card be overdrafted?


I heard some financial institution ask for $25 withdrawal fees on TFSA. Watch out for it. TD told me. I will doublecheck. RBC do not charge withdrawal fees. I will check that too.


Studies suggest people aren't comfortable around others who are way poorer or richer than they. You sound like a rational adult. You would be surprised how weird people associate with money. Also, if we compare to earlier period it can only account as far as the same people in question were alive e.g not a generation before. Why? Because people can't understand how it was to live differently without actual experience. Yes, the majority of the world lives better today but we also have much higher expectations, that needs to be accounted for. Another matter is the rising cost of living expenses. Real estate doesn't seem to be dropping and that easily adds to financial anxiety when due to globalisation and technology the job markets become unstable.


Applying for a mortgage is a bit of paperwork, but not too bad of an experience. Rates are pretty tight, if one lender were more that 1/4% lower than another, they'd be inundated with applications. Above a certain credit score, you get the 'best' rate, a search will show you the rates offered in your area. If you are a first time buyer, there are mortgages that might benefit you. If you are a vet (for non-native English readers, a veteran who served in the US armed forces, not a veterinarian, who is an animal doctor) there are mortgages that offer low-to-no down payment with attractive rates. Yes, avoid PMI, it's a crazy penalty on your overall expense of home purchase. If banks qualify you for different amounts, it shouldn't be a huge difference, a few percent variation. But, the standard ratios are pretty liberal even today, and getting the most you'd qualify for is probably too much. Using the standard 28/36% ratios, a bank will qualify you for 4X your income as a loan. e.g you make $50K, they'll lend you $200K. This is a bit too much in my opinion. If you come up short, you are really looking to borrow too much, and should probably wait. If you owe a bit on loans, it should squeeze in between those two ratios, 28/36. But I wouldn't borrow on a credit line to add to the purchase, that's asking for trouble.


Ok, now Disney wants to endorse silly fanfics... Damn it, I feel a little sick after reading this. I do hope it's trolling and I'm too dumb to see it On the business side of things, I do think overusing characters can be harmful. I know sales are great NOW, but these franchises need to have some time to rest and mature for a few years after such a great exposure. I get that intertextuality is Hollywood's new currency, but this has to be tied up carefully, like in the first Avengers movie, otherwise we get a rushed mess like BvS.


"I'm not intimately familiar with the situation in Australia, but in the US the powers that be have adopted an interventionist philosophy. The Federal Reserve (Central Bank) is ""buying back"" US Gov't debt to keep rates low, and the government is keeping mortgage rates low buy buying mortgages with the proceeds of the cheap bond sales. While this isn't directly related to Australia, it is relevant because the largest capital markets are in the US and influence the markets in Australia. In the US, the CPI is a survey of all urban consumers. If you're a younger, middle class consumer with income growth ahead of you, your costs are going to shift more rapidly than an elderly or poor person who already owns or is in subsidized housing, and doesn't spend as much on transportation. For example, my parents are in their early 60's and are living in the house that I grew up in, which they own free and clear. There are alot of people like them, and they aren't affected by the swing in housing prices that we've seen in the last decade."


In addition to above points : Interest earned on NRE accounts are tax free. But you can deposit any foreign currency except INR. Nothing is taxable. While the NRO account gives you a flexibility to deposit INR too, the interest will be taxable and tax will be deducted at source at the rate of 30.9%. It is necessary to convert the existing Indian local accounts to NRO as per the Reserve Bank of India circular: RBI/2007-2008/242 Master Circular No. 03 /2007- 08 . So basically you need:


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this is a bullshit post because of the politics involved. who gives a damn what who he votes for? They belie the fact that the president is robbing the country blind and not paying their debts, along with the other ministers (her cronies). Experience: I worked with the Argentine government for two years. $10,000 for a meeting! Argentina is an amazing country being crippled by this ex-call girl and her dead husbands friends


"Yeah It's mind boggling that people can't see the forest for the trees. The landscape has change completely post 2008. Different era, different set of rules. I had a coworker back in early 2008 who was giddy as a school girl because he and his wife bought a $800,000 home. Of course he's now significantly underwater and his wife still can't find gainful employment. But they just had to realize the ""American Dream"" (TM)."


Something I heard while listening to a business news channel was that Boeing doesn't want to let another Airbus slip into the fray. Boeing never thought that Airbus was going to be a true competitor so they just didn't challenge them early in the process of them developing their aircraft business. According to the broadcast, Boeing doesn't want to let another competitor slip through with huge government subsidies without a challenge.


That's unlikely to be a good move. After the penalties, you would have roughly $40k-$45k to apply to your debt. But then what? You'd still have $100k of debt, with no change in your income situation. You would be sacrificing half of your retirement fund to reduce your debt by only a third. Two points from your question are notable. First, you say your current job makes you eligible for loan forgiveness. Second, you say you love what you do. Given that, it sounds like it's likely you'll remain in your current job long enough to have your loan forgiven. I would see this as a major reason to stick it out until that time. It won't be painful from a work perspective, since you like the work (in contrast to someone who grinds through a job they dislike just to have their loan forgiven), but only from a budget perspective. Also, since your income is less than $75k, you may be able to deduct the interest on a student loan payment on your taxes (see Publication 970), softening the blow somewhat. According to your numbers, your loan payment is a bit over 10% of your income. That is not pleasant, but it doesn't seem out of the question that you could make it work through judicious budgeting. It would depend on other aspects of your lifestyle and expenses (which you don't mention in the question, and which might go in a separate question if you start wondering how to do that budgeting).


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Sell the house, in the scenario you describe he is using the property as an investment with a $250 per month buy-in. This investment doesn't make a return right now and when you add in the cost of dealing with the tenant (even if he doesn't have those cost now, he will when they move out)he is out of more than $250 a month and he has no direct knowledge that the value will definitely increase. He would be better spent selling the house and putting the funds into an investment, even a risky investment. It will have less maintenance cost associated with the risky investment than the rental property. Besides sitting on the property for 10-15 years would cost him 30-45k plus the cost of re-renting the house when empty.Not to mention the inevitable increases in taxes over that time which will either increase his deficit or eat up the rent increase he is able to charge. Don't take the loss on the sale, just short sale it and take the money and invest! One last thought... An alternative is to creatively finance a sale (take payments from a buyer until they can buy outright) that will cover the FULL mortgage and get him the price he needs. You can look up owner financing to find out more on how to do this. Hope this helps!


It's not personal, but simply a shift in the demographics that can be measured. Identifying those changes within the market, who is doing what and why, then reporting it to the board, is part of her job. Quality of food, dining experience, etc, etc are all things that should be reviewed on a regular basis. This is also more of an industry wide issue, as the changing tastes and expectations are finding more than just this one company struggling, as the CEO rightly points out. The food has always been sub-par and vastly overpriced second tier fast food. The experience is usually as good as the food. This is the entire range of restaurants, TGI Fridays, Ruby Tuesday, Applebee's, etc, etc. They were popular and offered a reliable, if poor, meal wherever you went and quite popular. I've actively avoided them for years, unless in a position to refuse, or someone else was paying, which was usually both. But I was an outlier, and they understood there was little they could do to get me to come in. This is a demographic shift, not simply a blame game, and once identified, they then try to determine how to alter their model to match that shift.


Oh sure. There is no accounting for what people prefer. Some women need to be needed to be happy and some need to not be needed to be happy. It's going to depend on the woman as well as the man whether the relationship is working. I am not sure how they will ever account for those differences (parent-child vs. peer-peer preferences in a relationship).


Why not open an USD account or subaccount in Czechia and then transfer the money using an UAE bank that supports transfers in USD. If you don't want to open an USD account in Czechia, it'll get converted when received there into the currency of your account but at their conversion rate which probably isn't good. Alternatively, use Transferwise which might or might not be cheaper.


"One study found that, while people using gift certificates bought no more items than those who used cash, they tended to spend more per item. In ""Study 3"" the paper ""Monopoly money: The effect of payment coupling and form on spending behavior"", sets up a case where shoppers are given $50 in cash and $50 in gift certificates (the leftover of which can be exchanged for cash). They were asked to choose different brands and types of items to buy. They study found that There was no difference in the number of items purchased as a function of payment form for scrip However means across all product categories show that participants spent more per item when they were given [the gift certificate]"


"The credit card may have advantages in at least two cases: In some instances (at least in the US), a merchant will put a ""hold"" on a credit card without charging it. This happens a lot at hotels, for example, which use the hold as collateral against damages and incidental charges. On a credit card this temporarily reduces your credit limit but never appears on your bill. I've never tried to do it on a debit card, but my understanding is that they either reject the debit card for this purpose or they actually make the withdrawal and then issue a refund later. You'll actually need to account for this in your cash flow on the debit card but not on the credit card. If you get a fraudulent charge on your credit card, it impacts that account until you detect it and go through the fraud resolution process. On a debit card, the fraudulent charge may ripple through the rest of your life. The rent payment that you made by electronic transfer or (in the US) by check, for example, is now rejected because your bank account is short by the amount of the fraud even if you didn't use the debit card to pay it. Eventually this will probably get sorted out, but it has potential to create a bigger mess than is necessary. Personally, I never use my debit card. I consider it too risky with no apparent benefit."


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You're overthinking it. The ISA limit applies to the amount you invest into the ISA. In your example, £10,000. Whether that then fluctuates with performance is irrelevant. Even if you realise aprofit or a loss, nobody is watching it. You merely count the amount you originally contributed into the ISA wrapper. When they add up to £15,000; that's the limit reached. (And by the way, remember that only money going into the ISA is counted. It doesn't matter if you -let's say - put £15k in, then remove 10k. You've reached the limit. You don't again have the chance to put £10k 'back in'.


It is the people who you bought the ticket from. Blocking is frequently done by hotels, gas stations, or rental car companies. Also, for anything where the credit card might be used to cover any damages or charges you might incur later as part of the transaction. In essence, they are reserving part of your credit limit, ostensibly to cover charges they reasonably expect you might incur. For example, when you start pumping gas using a credit card they may block out $100 to make sure you don't pump a full tank and your credit card is declined because you ran over your limit at $3. In general, the blocks clear fairly quickly after you settle up with the company on your final bill. You can also ask the company to clear the block, but I don't think they are required to by law in any specific time period. It may be up to their (and your) agreement with the credit card company. Normally it isn't an issue and you don't even notice this going on behind the scenes, but if you keep your credit card near its limit, or use a debit card it can lead to nasty surprises (e.g. they can make you overdraw your account). One more reason not to use debit cards. More information is available here on the Federal Trade Commission's website.


Paytrust seems to be the only game in town. We've changed banks several times over the last 15 years and I can tell you that using a bank's bill pay service locks you in, big time. I loved paytrust because I could make one change if we changed banks. If you're using a bank directly for your bills, the ides of recreating your payee list is daunting.


If you are referring to college tuition forgiveness, it is not stealing. College shouldn't cost so much in the first place, just look at most developed countries. My god you hyper capitalists are so brainwashed thinking the system you were raised in is the best there is when it reality it is horribly unfair and detrimental to countless lives. It is sickening how someone like you wants to see others suffer because you place yourself above them since you see yourself as being more responsible. Since you paid your loans, no one else's should be forgiven. But your stance would do a 180 if you just graduated school and after countless applications and interviews the only job you are able to get with your degree barely covers your living expenses, let alone loan costs. In that scenario loan forgiveness might sound more appealing.


"And the absolutely brilliant punchline: who do these regulators and leaders"" think will be the purchasers of said debt? Why other systemically important, TBTF banks of course! Which means that, in the by now quite familiar ""daisy-chaining"" of counterparties and collateral, once one bank fails, its exposure via collateral, repo and certainly, funding of other bank balance sheets, everything will promptly freeze as risk reprices, a la Lehman bonds."""


"What Ben fails to see is that when people say ""healthcare is a right"" what we mean is that ""healthcare should be an affordable right"". Those who want it would gladly pay for it if it was reasonable, affordable and easily accessible. Sadly, it is not because pharmacies, doctors and medical institutions gladly drive up prices for profit. Healthcare is not affordable. The system is broken. Healthcare should be an affordable right for anyone as it is the basic premise in which we can work, contribute to society and drive the economy. Without our health we are useless. Ben is smart and I enjoy hearing his talks from time to time, but the guy lacks serious empathy and bed side manner in certain topics. This clearly being one of them."


"No, but you can better see who is making that profit possible. I've worked for companies where some divisions were making a profit according to their books. But when you take into account the resources they were consuming, especially IT, they were really operating at a loss. In the case of IT I don't think its beneficial to ""make a profit"", but they should at least charge the other departments their cost just so you can see how those other departments are impacting the company as a whole."


O boy you can take an entire on this. Here are the basics. Project future cash flows on a series of underlying assumptions such as growth rate and risk free rate. You then have to adjust top line items such as depreciation and come up with FCF. Then discount everything back with a terminal value.


In many instances church doors were exquisitely fashioned to provide a grand entryway for parishoners into their house worship.However, over the years, extreme temperature fluctuations, sunlight, and other weather conditions can wreak havoc on the wood, wood finish, and hardware.


As someone who used to be an IT contractor in the UK and used to work from home, my advice is to talk to your accountant in detail. It's been a few years, but IIRC you can write off some small stuff like proportional heating costs etc, but in my case it was so minuscule that it wasn't worth the effort. You're likely better off to just leave it. <subliminal message> Talk to your accountant :). </subliminal message>


Well, you're business/accounting acumen is nothing to brag about and your character is still out for judgment, though your insistence on trying to make this point despite being wrong is sort of working against you. Other than that, I don't know anything else about you to make that kind of assessment. Though you are tenacious, I'll give you that. You keep arguing with me despite saying you were done with this. So that could possibly be a positive character trait.


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