Is there anyway to store money completely safely? I saw today that Norway has a $1 trillion fund, but that's all in investment. If I was to have, say, $1 million could I somehow store that so there was no way it would lose money (but I assume not make any either)?


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I am not going to source for you a number I pulled out of my smelly, hairy ass. Not worth the trouble. Also, I am at work. And I support not being strangled by debt. Free for the student. Obviously someone pays for it i.e. we all pay for it because we (or at least I) believe everybody has the right to a decent education. I guess you disagree on that latter poin, which makes you a luddite, if anything.


Usually the most significant risk scenarios here are: Third parties can abuse your routing/account numbers to initiate debits, but this is a type of fraud that is easily traced. It can happen, but it is more likely that it would be a scenario where you were specifically targeted vs. the victim of some random fraud. Defending against someone who is specifically going after you is very difficult, especially if you don't know about it. Your SSN isnt used for the bank transfer, you are providing it so that the entity making the payments can report on payments to you for tax purposes. If you are truly worried about this type of scenario, I suggest setting up a dedicated savings account for the purpose of receiving these payments and then sweeping (either manually or automatically) the funds into another account. Most stock brokers will allow you to automate this, and most banks will let you do this manually.


"Define ""a lot"". As much as you possibly want to charge? That is libertarian horse shit. At some point you have to take a step back and look at reality. If people are dying because you want to be a billionaire instead of a 100 millionaire then tough luck."


>woo hoo massive theft Ahh I see. Better to worry about how he used the number for total bond market than about the fraud itself because it only millions of dollars. Of course. How could i have been so stupid! You're right, the most important thing to get out of the story is that the total amount of new muni bonds isn't as big a number as he uses for the overall bond market. Keep up the good fight!


I've been working in the industry for around 8 years now, and the public exchange are rather very open about the rebates (IEX, BATS, ARCA) If your firm does not give you the rebate when adding liquidity, its a poor business decision, but its not illegal, and you should go to a firm that treats you better.


The standard advice is that stocks are all over the place, and bonds are stable. Not necessarily true. Magazines have to write for the lowest common denominator reader, so sometimes the advice given is fortune-cookie like. And like mbhunter pointed out, the advertisers influence the advice. When you read about the wonders of Index funds, and see a full page ad for Vanguard or the Nasdaq SPDR fund, you need to consider the motivation behind the advice. If I were you, I would take advantage of current market conditions and take some profits. Put as much as 20% in cash. If you're going to buy bonds, look for US Government or Municipal security bond funds for about 10% of your portfolio. You're not at an age where investment income matters, you're just looking for some safety, so look for bond funds or ETFs with low durations. Low duration protects your principal value against rate swings. The Vanguard GNMA fund is a good example. $100k is a great pot of money for building wealth, but it's a job that requires you to be active, informed and engaged. Plan on spending 4-8 hours a week researching your investments and looking for new opportunities. If you can't spend that time, think about getting a professional, fee-based advisor. Always keep cash so that you can take advantage of opportunities without creating a taxable event or make a rash decision to sell something because you're excited about a new opportunity.


"In San Francisco (home of super-expensive real estate and more than a bit of marijuana use) you'll see people asking up front for ""first and last months' rent"" plus a security deposit when you move in somewhere. If someone can't come up with the cash, then it looks like this is the last month... and time to look for a new roommate. of course, it can be difficult to implement this arrangement if you've already moved in with a bunch of people, and if it's not common in an area people may balk at the money required up front, but.... it is a reliable way to deal with people flaking out on the rent money."


If the brokerage account holds US assets, such as the stock of US companies, then it may be taxable under some conditions. The rules are complex and depend on the nationality of the individuals, because the results may be affected by tax treaties between the United States and whatever country the person is from.


Wow I love some of these answers. Remember why you are investing in the first place. For me I like Dividend stocks and Dividend Capturing. Here is why. With over 3500 dividend stock companies paying out dividends this year, that means I can get a dividend check almost every day. What about if the stock goes down you ask? Well out of these 3500 companies there is a small group of these stocks that have consistently increased their dividend payout to their investors for over 25 years and a smaller group that have been increasing every year their pay outs for over 50 years. Yes Kennedy was in office back then and to this day they consistently pay higher and higher dividend payments to their investors, every year... for 50 years. As for the Dividend Capturing strategy, that allows me to collect up 10-20 checks per month with that little effort. As for the stock going down... Here is a little tidbit that most buyers overlook. Stock price is more or less the public's perception of the value of a certain company. Earnings, balance sheet, cash flow, market cap and a few other things in the quarterly report will give you a better answer to the value of a company. If stock price goes down while earning and market go keep going up... what does that tell you?


"I highly recommend http://pages.stern.nyu.edu/~adamodar/ Professor Damodaran. He's written some of the best valuation books in existence (my favorite, simply ""Investment Valuation""). On his website you'll find a big pile of spreadsheets, that are models for working the various approaches to valuing a company. Also, he teaches an MBA-level valuation course at Stern School of Business in NYC. And he videotapes it and you can watch it for free. Very smart, kind, generous man."


Unlike other responses, I am also not good with money. Actually, I understand personal finance well, but I'm not good at executing my financial life responsibly. Part is avoiding tough news, part is laziness. There are tools that can help you be better with your money. In the past, I used YNAB (You Need a Budget). (I'm not affiliated, and I'm not saying this product is better than others for OP.) Whether you use their software or not, their strategy works if you stick with it. Each time you get paid, allocate every dollar to categories where your budget tells you they need to be, prioritizing expenses, then bills, then debt reduction, then wealth building. As you spend money, mark it against those categories. Reconcile them as you spend the money. If you go over in one category (eating out for example), you have to take from another (entertainment). There's no penalties for going over, but you have to take from another category to cover it. So the trick to all of it is being honest with yourself, sticking to it, recording all expenditures, and keeping priorities straight. I used it for three months. Like many others, I saved enough the first month to pay the cost of the software. I don't remember why I stopped using it, but I wish I had not. I will start again soon.


I checked this myself and there is no monetary penalty for late filing. However, since I am late I have to do all publication over again which costs me extra $50.


A good resource for this type of help is the National Foundation for Credit Counseling (NFCC). They provide free and low-cost credit counselors who can... Most importantly, avoid those for-profit debt consolidation companies. They are ripoffs.


gr33nss - Unfortunately, you are 100% correct. The way most companies avoid having to pay overtime is by putting you on salary. I try to stay focused on promotions and bonuses as a way to justify all the extra work hours above the typical 40-hour work week. It sounds like you'll have to put some extra hours in but it will reflect positively if you don't rush to get home as soon as your 8 hours/day are up. Just my two cents...


"India's a very interesting case study. They're economy's exploded and grown by leaps and bounds in the last decade. It's a free market but the Reserve Bank of India's get's weird sometimes. For instance a lot of these crappy and defaulting loans are because the government (Reserve Bank of India) said to fuel growth you have to make sure a certain percentage of your loan book is made out industries we want to develop. So huge loans were made to construction firms, not because they fit the risk profile of the bank or were good investments, but cause the government mandated it. Ton's of horribly run companies got money they shouldn't have. Also, public banks pay a lot less than their private counterparts, so you don't have the best and brightest handing out these loans. India's a fucking mess of laws. Like there's no codified way to declare bankruptcy like there is in the West. So if a company goes belly up, they have to go through this maze of different government offices with contradictory rules so creditors (in many cases, the banks that lent them money) can get some of their money back, IMF said it takes 4.5 years on average for a company to go through bankruptcy proceedings. That's insane! And because it's India, there's a ton of shady shit going on behind the scenes. Up until 2-3 years ago, loans that the banking industry considers non performing (interest payments haven't been made in 90 days) were lumped in another category and hidden in the balance sheet, so the rest of the world looked at this said, ""well, their NPL ratio is only 3-4% which is fine for developing country"" and continued to rate them highly. It wasn't until recently that we figured out the ENTIRE banking sector wasn't reporting their bad loans properly."


Specifically on the subject of maxing out your 401k, there are several downsides: The employer match usually only applies to the first 6%. Some employers offer no match at all. You listed the match as a pro, but I think it should be pointed out that you can usually get this benefit without maxing out your plan. The investment options are limited. Usually there is at least one fund available from all the common investment classes, but these may not be your preferred funds if you were able to choose for yourself. Fees can be very high. If you are working for a small to medium size company, the fees for each fund will often be higher than for the same funds in a plan offered by a large company. Fees are usually related to the dollar amount of assets under management. Each person has a different tax situation, so if you are single and making 6 figures, you might still be in the 25% bracket even after maxing out your 401k, but the same person filing jointly with a spouse that makes less could get down to the 15% bracket with a smaller contribution. I meet my retirement savings goals without maxing out the 401k. As long as the amount is above the employer match amount, my second priority is to funnel as much money as possible in to my IRA (because I get lower fees and better investment options from Vanguard).


One of the challenges is that online shopping is still a relatively small slice of all retail. Yes, it looks great for the growth of firms in that space, but they'd need a few more years of that growth across the industry to make up for it. Similarly, internet advertising is still small compared to TV.


The quotes on JSE are for 100 share lots. The quotes on NYSE are for single shares. That still leaves some price difference, but much less than you calculated. (EDIT: Equivalently, the price is quoted in 1/100th of a Rand. The Reuter's listing makes this explicit since the price is listed as ZAc rather than ZAR. http://www.reuters.com/finance/stocks/overview?symbol=HARJ.J) As noted in the other answer currently up, NYSE is quoting American Depositary Receipts (ADRs) for this company, which is not directly its stock. The ADR in this case, if you check the prospectus, is currently 1 share of the ADR = 1 share of the stock on its home market. A US institution (in this case it looks like BNY Mellon) is holding shares of stock to back each ADR. Arbitrage is possible and does happen. It's not perfect though, because there are a variety of other cost and risk factors that need to be considered. There's a good review here: Report by JP Morgan Some summary points:


No, you're not missing anything. RSUs are pretty simple when it comes to taxes. They are taxed as compensation at fair market value when they vest, basically equivalent to the company giving you a cash bonus and then using it to buy company stock. The fair market value at vesting then becomes your cost basis. Assuming the value has increased since vesting, selling the shares that vested at least a year ago (to qualify for lower long-term capital gains tax rates) with the highest cost basis with result in the minimum taxes.


"To take a different tack from qdot - it is advice. Maybe good, maybe bad. In the early 1990s I did exactly what you are intending to do and was stunned at the expenses involved in maintaining the company - primarily the accounting costs. This would have all been different if I'd been making a lot more money out of the situation, but the work was on the side, a few hours a week here and there, and I closed the ""business"" after just one year. Probably broke even on the deal, but certainly did not come out in front. I'd also strongly recommend you take a look at issues like basic book keeping, claiming VAT, setting up corporate bank accounts, and the like. Whether it is ""not a lot of work"" is purely a personal thing - some folks breeze through it all, some hate it. Time Is Money. My 0.02."


"And what about ""peanut butter"" or ""apple butter"" or ""milk of magnesia"" or ""coconut milk""? So what if people have been using those terms for 50 or more years, it cannot stand! I'll tell you what, get ""peanut butter"" banned and called something like ""masticated peanut spread"" and we can talk about having ""oat milk"" or ""soy milk"" renamed to ""soy beverage"" or whatever. Deal?"


It sounds like you're putting all your extra money into insurances because you feel that one can never have too much insurance. That's a very bad idea, financially. Basically it means you'll end up giving your money away to insurance companies in order to satisfy that feeling. Do realize that the expected value of every instuance is negative: on average, you'll pay more money than you'll receive. Otherwise, insurance companies would go bankrupt, so they are very good at ensuring that they get more in premiums than they pay out. Insurance should only be bought to cover essential risks, things that would ruin you: major health problems, death (to cover dependants), disability, liability. For everything else, you should self-insure by saving up money (up to a few months' wages) and putting it into safe and liquid investment vehicles as an emergency fund. That way, you are much more flexible, don't pay for the insurance company's employees, fancy offices and profits, and may even earn some interest.


I do notice a shit-load of fake reviews for certain items. Especially new products that just launch. They want to jumpstart sales, so they ask family, friends, or hire people to create fake reviews. I can usually spot the fakes because they are very oddly written. The praise of the seller and product are just too overblown. The average person doesn't talk like that, IMHO.


I've done several deals in excess of that amount. However, I am confused what you are looking for exactly. Typically those amounts are syndicated and presented via a pitch deck to investors to secure financing. Is an example pitch deck what you are looking for? If not, are you looking for the actual legal agreement? Or are you looking for the credit memo? Think I can point you in the right direction either way. Best chance to find what you are looking for is to check comparable companies investor relations materials and sec filings.


Do you need the car? It depends on what your goals are. You're going to keep losing money on the car via means of the debt (which I assume you can't pay off without selling the car) and depreciation. If it was me, I would sell the car. But if you like it and you can afford it, then keep it.


"> Lol. Americas are two continents. How many times do I have to educate you? No, you said America is continents. You are just being weirdly semantic and also failing to distinguish between North and South America. They are not both collectively called America. Nobody groups 2 continents together like that. It's like trying to group Europe and Africa together. There is nobody who says this. You cannot ""educate"" me on this because literally zero people aside from you think this way. >Beside that you still have not presented any data. All your points have been invalidated and best you can do is change topics over and over. What data would you like? America being increasingly protectionist and the stock market being at an all time high? https://www.cnbc.com/2017/07/26/us-stocks-boeing-earnings-fed.html I already used your own data against you so in a way that is me using data and you've presented none. >Still could not address my points about Argentina, Canada, US and etc. What point? I said Canada was protectionist and Canada is in the top to protectionist countries in the list *you provided.* We have a heavy investment in our own companies, a lot of my tax dollars go to that in fact. Canada is one of the most protectionist countries on the planet. Against my wishes, by the way, but it is the way it is. >Btw love your fake data and facts. I guess that's how you get cucked so hard to begin with Cucked? By what? My own facts? What? You sound retarded right now. >LOL. Chart says tarrif of 10 big countries. Not 10 highest Tarrif. LOLOLOL. Okay so provide a graph that shows the 10 highest tariffs. You know what this weird edit of yours tells me? **YOU DID NOT EVEN LOOK AT YOUR OWN LINK WHEN YOU SENT IT.** You are just reading it now. So which one is it? Either the graph proves me right or it proves nothing at all. Either way, you fucked up. This is really, really funny. >Best to stay in your safe space and keep getting cucked. Ugh, you don't see how embarrassing you sound, do you? Why would someone be cucked in a safe space? Are you saying *this* is a safe space? This sub is very clearly anti-Trump. You don't know what these words or phrases mean. >I wasn't being homophobic. I called you for what you are. That's your choice. No shame. Keep doing what you do and be Putins holster Why do you think about cocksucking so much?"


Think about it this way. Chances are those jobs were leaving America soon anyway. Would you prefer Mexico to get them, where we could still sell services and raw materials. Or China, who use less of our services or raw materials


I mean, if we're using anecdotes I own a house in Seattle that I bought when I was 25. And my wife and I just bought another house to live in in the greater Seattle area. Can't and don't aren't necessarily the same thing. It's just about how people prioritize.


">""There's a market here that we've been missing our entire lives,"" said Donald Trump, Jr. during the announcement event. A fool and their money are soon departed. They've realized there are lots of suckers they haven't screwed over yet. They're entering a market that's pretty well covered but they're banking on the blind support from 45's base. I can only wonder though, if it will be a successful venture this time."


As long as the fine print permits this, it's a quick 2%. Be careful that your credit score may drop momentarily if you use the credit and for that cycle have high utilization.


I knowingly installed company certs because we are a web development company and it is cheaper to sign our own certs. But, this isn't a MITM issue, since they have software installed on my machine. They don't need to be in the middle, they are already at an end point.


Well I see a lot of pushback against the many people in here that are suggesting failing a drug test due to weed means that the person is addicted and basically a junkie who's goal in life is to get wasted. If that really is the business owner mindset then I really have no sympathy for them. If you're argument is solely based on insurance that is one thing but I have no interest in supporting some kind of bullshit moralizing based off of anti drug propaganda.


"If the account is really only in your father's name and not even ""in trust"" for you, then you can't touch it, I'm afraid. And taking your family to small-claims court is something of a nuclear option. Hiitting sympathetic family members for a loan may be the best course here;. Anything you do to try to force cooperation is likely to be a ""nuclear option"" as far as getting back on peaceable terms with your family goes. If you must resort to that, i'd suggest asking whether the local department of youth services, or s religious figure or someone else your father respects, could persuade him to cooperate. He might be more willing to listen to someone else."


Yes thats true but I think the point is you have to look at it in context - reduced spending will hurt the economy but you also can't just spend endlessly on credit cards and bank loans either. The point here is it seems like the whole system has hit a wall in terms of further increasing debt levels. I think that while their analysis is overly simplistic, there is a point here in that we do need to cut the debt down.


What are the most important facts to keep in mind as I consider this? IMHO, the most important consideration to keep in mind is - do you really want to be in the landlord business, and if so, how much experience do you have in this business?


But how do I bring the initial deposit into the equation? Basically, you can't. Unless you combine two different formulas from Math of Finance into a single expression. The single initial deposit of $1000 will compound for 20 years at 5% compounded annually. The final amount for this part of the deposit will be: V1 = 1000 x (1.05)^20 In addition the series of 20 payments will be an ordinary annuity with a regular payment of $100, with the value on the occasion of the 20th payment given by: So the final total amount in the account at the end of 20 years will be the sum of these two values...


the cash is not penalty free. if you take up loans from the policy to pay for retirement growth essentially stops and the interest will eat away policy value over time. so instead of gaining 7-8 % per year and taking withdrawals, you would be taking loans and losing whatever the interest rate is. Dividends are just the profits made from the company which is why its tax free. its considered a return of premium. you are just overpaying for the policy by its dividend rate. whole life is a great vehicle for some situations, but it always comes after a 401k or other retirement savings. whole life doesnt even begin to make sense imo until you are making a few hundred thousand a year and need it for a business buy sell agreement or legacy money to leave children/grandchildren. it doesnt scale well to lower incomes.


It destroyed Sweden's position as a major player in the global securities market. When the tax was rescinded in 1991, some of the trade returned over time but things were never the same. It was also a net revenue loser without even considering the long term market damage.


**Service-level agreement** A service-level agreement (SLA) is defined as an official commitment that prevails between a service provider and a client . Particular aspects of the service – quality, availability, responsibilities – are agreed between the service provider and the service user. The most common component of SLA is that the services should be provided to the customer as agreed upon in the contract. As an example, Internet service providers and telcos will commonly include service level agreements within the terms of their contracts with customers to define the level(s) of service being sold in plain language terms. *** ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/business/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot) ^] ^Downvote ^to ^remove ^| ^v0.27


This is exactly what needs to happen for the benefit of the country. Don't make this a republican vs democrat thing. The mortgage interest deduction causes artificially high home prices and discourages building small affordable homes. Home purchase prices falling means builders might start building smaller, cheaper homes again. If it causes a housing crisis, it will be for those who bought 3000 sq ft Mcmansions on what used to be farmland. Removing the state and local tax deduction means there might finally be incentive for cities to consolidate local townships and increase overall efficiency again. The ultra-wealthy townships that keep poor people out through high taxes will decrease and join other larger local governments. This would be a huge plus as far as tax reform goes.


James, money saved over the long term will typically beat inflation. There are many articles that discuss the advantage of starting young, and offer: A 21 year old who puts away $1000/yr for 10 years and stops depositing will be ahead of the 31 yr old who starts the $1000/yr deposit and continues through retirement. If any of us can get a message to our younger selves (time travel, anyone?) we would deliver two messages: Start out by living beneath your means, never take on credit card debt, and save at least 10%/yr as soon as you start working. I'd add, put half your raises to savings until your rate is 15%. I can't comment on the pension companies. Here in the US, our accounts are somewhat guaranteed, not for value, but against theft. We invest in stocks and bonds, our funds are not mingled with the assets of the investment plan company.


As far as taxes go: If you contribute to the HSA account through your employer pre-tax, that amount is not subject to the Social Security (6.2%) and the Medicare (1.45%) tax. If you contribute that amount post-tax, you can deduct it from your income tax at the end of the year, but the Social Security and Medicare taxes have already been paid and there's no mechanism to claim deductions on those.


If you have a debt that has very low interest now, but you are aware that it's not going to stay that way (0% introductory APR on a credit card, for example), it can make sense to pay that off before the higher rate kicks in.


You don't need a Visa to create or own US property. Your registered agent will be able to take care of most of this, and your new entity will use the registered agent's address where applicable, but you may need your own separate address which can be your office in the UK. If you want privacy then you'll want a separate address, which can also be a PO Box or an address the registered agent also provides. US corporations, especially in Delaware, have a lot more compliance issues than the LLC product. Delaware has a lot more costs for formation and annual reports than most other united states. There are definitely a lot of states to choose from, but more people will have information for Delaware.


Have you changed how you handle fund distributions? While it is typical to re-invest the distributions to buy additional shares, this may not make sense if you want to get a little cash to use for the home purchase. While you may already handle this, it isn't mentioned in the question. While it likely won't make a big difference, it could be a useful factor to consider, potentially if you ponder how risky is it having your down payment fluctuate in value from day to day. I'd just think it is more convenient to take the distributions in cash and that way have fewer transactions to report in the following year. Unless you have a working crystal ball, there is no way to definitively predict if the market will be up or down in exactly 2 years from now. Thus, I suggest taking the distributions in cash and investing in something much lower risk like a money market mutual fund.


If for any tax year, you were eligible to make deductible contributions to a Traditional IRA, and did make the contributions in timely fashion, then there is no need to file Form 8606 for that year. Form 8606 (which tracks your basis in the IRA) is needed if Form 8606 is also needed if


"I have no problem with such agreements, but if that is the case, then there should be direct financial compensation for locking you out of your profession. They don't want you to work for anyone else for 18 months - then pay you for that period and put you on ""gardening leave""."


Approximately Yes. However as you are paying more, the interest accrused would be less.


Economies of scale made it cheaper for Tesla to do it this way so they didn't have to pay for re-tooling to have a separate line making S60 batteries. And they figured a sizable fraction of the people would pay for the upgrade at some point anyways. They no longer offer the S60. S75 is the smallest Model S battery you can buy. So the range extension only affected a portion of the Tesla population but still a badass move on Teslas part, atta boy Elon


Hey, OP! I've seen you post in a few NYU threads. Do you, by any chance, go to Stern? As for the internship problem, I say you should wait, at least for the experience itself. Just my two cents :)


"No, there aren't only 2 choices as I have a good job. In this case though, there are two options, either continue to have the ""bad jobs"" that this rich guys company is providing or he shuts down the company and there are no jobs at all. It's not a loaded question. I'd rather have a bad employer than no employer at all."


"If you're making $80k, and you're consulting for an extra $400/wk or $20,800/yr, you're earning a total of $100,800. That's assuming you do it for a full calendar year of course. Either way, assuming you can deduct/exclude at least $11k of income (as almost everyone can), you're paying 25% on your marginal dollars. (This also assumes you're single; if you're married/filing jointly, this may not be true.) Note, you're right at the edge of the 25% bracket if you earn this in a full calendar year - but if you have a 401k, health insurance, or other reductions you'll be fine. Additionally, for this year you'll be under (again assuming single and no other income) because you aren't earning a full year's worth. Assuming your $80k is precisely taken care of by your regular withholding, then, you will literally pay 25%*$400/week in additional taxes - $100 per week. So if you are paid biweekly, you need to add $200/week in withholding on your W-4. If you expect to overpay taxes (if you own a house with a mortgage for example, you often do), you can reduce it some, but adding $200/biweekly paycheck should bring you right to where you were before the extra income. The general rule is to calculate your marginal (not effective) tax rate before the new income, assuming default withholding takes care of that, and then withhold the marginal rate for the new income [checking that the new income doesn't push the marginal rate up - if so, calculate in two parts, the part in the lower marginal rate and the part in the higher marginal rate]. You can google ""2014 tax brackets"", or look at the IRS tax tables for detailed information about marginal rates."


I just checked TCF's rates, and they only pay a miserly rate of 0.25%. Banks like Capital One or Sallie Mae pay about 1.15%, which is more than 4x, though still nothing great. Do you expect to use these funds in 5 years (e.g. for down payment on a house), or could you contribute them to an IRA?


my question was pretty clear I thought. I news headlines currenty stating that to save the spanish banks right now it'll take several tens of billion euros, so just what fraction of the big problem are these private banks' bailouts?


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Honest question, is a $10-$15 monthly fee for a checking account normal? I've been a customer of a Big 4 bank (Chase) forever, never needed to pay them any fees for anything. I never overdraft either, but it's not like I'm high networth or anything either.


From a moral perspective, this would be so great. From a marketing perspective, all it would take is to 'leak' more videos that show how industrial meat production actually looks like to turn a large number of consumers to something that's ethically better (and probably can also be argued to be healthier). Excited to see this, less from an investment perspective, but because this could really change how humans interact with animals in a significant way.


That question makes assumptions that don't hold in general As to why to deal with futures: Well, there's just one contract per maturity date, not a whole chain of contracts (options come at different strike prices). That in turn means that all the liquidity is in that one contract and not scattered across the chain. Then, moreover, it depends what underlying contracts you're talking about. Often, especially when dealing with commodities, there is no option chain on the spot product but only options on the futures contracts. In summary, the question is somewhat bogus. Options and futures evolved historically and independently, and were not meant to be substitutable by one another. So their rights and obligations are just a historical by-product and not their defining feature. I suggest you refine it to a specific asset class.


"TL;DR: If your currently held bond's bid yield is smaller than another bonds' ask yield. You can swap your bond for bigger returns. Let's imagine you buy a long bond for $12000 (face value of $10000) and it has 6% coupon. The cash flows will have an internal return rate of 4.37%, this is the published ""ask yield"" in 2014 of the bond. After six years, prices have fallen, inflation and yields went up. So you can sell it for only $10000. If you would do it, the IRR will be only 2.55%, so there will be less return, than if you keep it. But if you would ""undo"" the transaction, then the future cash flows would yield 6.38%. This is the ""bid yield"" in 2020 of the bond. If you can find an offer that yields more than 6.38%, you have better returns if you sell your bond and invest that $10000 in the other bond. But as other answers pointed it out, you rarely have this opportunity as the market is very effective. (Assuming everything else is equal.)"


Question One: Question Two: Your best reference for this would be a brokerage account with data privileges in the markets you wish to trade. Failing that, I would reference the Chicago Mercantile Exchange Group (CME Group) website. Question Three: Considering future tuition costs and being Canadian, you are eligible to open a Registered Education Savings Plan (RESP). While contributions to this plan are not tax deductible, any taxes on income earned through investments within the fund are deferred until the beneficiary withdraws the funds. Since the beneficiary will likely be in a lower tax bracket at such a time, the sum will likely be taxed at a lower rate, assuming that the beneficiary enrolls in a qualifying post secondary institution. The Canadian government also offers the Canada Education Savings Grant (CESG) in which the federal government will match 20% of the first $2500 of your annual RESP contribution up to a maximum of $500.


"First, let's look at the tax brackets for single taxpayers in 2016: The cutoff between the 25% and 28% tax bracket is $91,150. You said that your gross is $87,780. This will be reduced by deductions and exemptions (at least $10,350). Your rental income will increase your income, but it is offset in part by your rental business expenses. For this year, you will almost certainly be in the 25% bracket, whether or not you receive your backpay this year. Next year, if you receive your backpay then and your salary is $11k higher, I'm guessing you'll be close to the edge. It is important to remember that the tax brackets are marginal. This means that when you move up to the next tax bracket, it is only the amount of income that puts you over the top that is taxed at the higher rate. (You can see this in the chart above.) So if, for example, your taxable income ends up being $91,160, you'll be in the 28% tax bracket, but only $10 of your income will be taxed at 28%. The rest will be taxed at 25% or lower. As a result, this probably isn't worth worrying about too much. A bit more explanation, requested by the OP: Here is how to understand the numbers in the tax bracket chart. Let's take a look at the second line, $9,276-$37,650. The tax rate is explained as ""$927.50 plus 15% of the amount over $9,275."" The first $9,275 of your taxable income is taxed at a 10% rate. So if your total taxable income falls between $9,276 and $37,650, the first $9,275 is taxed at 10% (a tax of $927.50) and the amount over $9,275 is taxed at 15%. On each line of the chart, the amount of tax from all the previous brackets is carried down, so you don't have to calculate it. When I said that you have at least $10,350 in deductions and exemptions, I got that number from the standard deduction and the personal exemption amount. For 2016, the standard deduction for single taxpayers is $6,300. (If you itemize your deductions, you might be able to deduct more.) Personal exemptions for 2016 are at $4,050 per person. That means you get to reduce your taxable income by $4,050 for each person in your household. Since you are single with no dependents, your standard deduction plus the personal exemption for yourself will result in a reduction of at least $10,350 on your taxable income."


If you don't like it create your own exchange with those rules :) Seriously though, It's not the government's job to set a tax, it's the exchange's. If there was a large enough market for such an exchange it would already exist.


Start with the cards you already have. If you don't have enough room on the best card, then ask for a credit increase. You have to keep in mind that some of the programs have a maximum amount you can charge to get the bonus cash back amount. Others have a graduated plan where the first few thousand dollars are at a lower cash back rate. If you do decide to get a new card, make sure you get a large enough credit limit or the work to get a new card was for naught. I would start with bankrate.com to research cards.


My doubt is whether Govt./Reserve Bank of India gives any explicit incentives to banks to offer cheaper home loans ? Currently NO. In the past Loan against GOLD was considered priority sector lending [Loans to poor and agriculture etc]. Every Bank need to lead around 25% to priority sector. Hence quite a few Banks gave loans relatively cheaper to todays rate rather than giving it as Farm loan that almost never get recovered. It is no longer the case now as Loan against GOLD is not considered priority lending. If it were just demand/supply, I feel that gold loans should have been cheaper It is demand and supply. There are quite a few reasons for this;


If China and Russia want to be sovereign countries, they must pray that the imbecile Mnuchin does cut them off from the dollar system that exploits them. Then Russia and China will have to put in place their own system and learn real economics instead of propaganda posing as economics that serves Washington’s interest.


"If the investments are in a non-retirement, taxable account, there's not much you can do to avoid short-term capital gains if you sell now. Ways to limit short-term capital gains taxes: Donate -- you can donate some of the stock to charity (before selling it). Transfer -- you can give some of the stock to, say, a family member in a lower tax bracket. But there are tons of rules, gift limits, and won't work for little kids or full time students. They would still pay taxes at their own rate. Protect your gains by buying puts. Wait it out until the long-term capital gains rate kicks in. This allows you to lock in your gains now (but you won't benefit from potential future appreciation.) Buying puts also costs $, so do the ROI calculation. (You could also sell a call and buy a put at the same time and lock in your gains for certain, but the IRS often looks at that as locking in the short-term capital gain, so be careful and talk to a tax professional if you are considering that method.) Die. There's a ""step-up"" basis on capital gains for estates. source: http://www.forbes.com/2010/07/30/avoid-capital-gains-tax-anschutz-personal-finance-baldwin-tax-strategy.html"


> However... effective problem solving and finding the truth is about placing powerful people in their respective positions while considering their qualified opinions. Which isn't happening, which is why they are leaving. That and the fact apparently had such a hard time saying racists are bad, and that an event organized by a racist.


First, Microsoft doesn't make most of their money from Windows. Second, Satya has bring Linux all through Microsoft. You can run Linux docker containers on Azure. In fact I would bet money that Linux is the dominant platform deployed on Azure, not Windows. Another thing Satya did is decouple from Windows and Windows Phone. He brought the Office line to iOS and Android and has made a fortune doing it.


"A huge problem in the world are naturally born ""leaders"", or people who learned the tricks of being ""leaders"", but should NEVER EVER be leaders to anyone or any company. Bad leadership is rampant everywhere with horrendous and catastrophic results. Am I right? On the other hand fewer people of great wisdom, great intentions, great ideas, great plans are prevented from being leaders. They are the ones who should be leaders. Why is that? Because of centuries of fake ""leaders"" training people that charisma and good presentation skills are a must for a leader. A good example is Steve Jobs. Despite all the ""admiration"" people have for Steve Jobs, he had terrible ideas, was terrible with other people and even his own family, egoist with major failures (Lisa, Next, Newton, original Macintosh) and he caused Apple to fail twice and even lost his control over Apple. The bottom line: Steve Jobs took advantage of Steve Wozniak and the work of many other true innovating and capable people. I have no doubts in mind that if Steve Wozniak and the true people behind the iPhone were put in charge, they would have been better leaders than him."


I don't know of any free API's for these data, but I'll provide what information I can. Compiling all of this information from the EDGAR system and exposing an interface to it requires a fair amount of work and maintenance, so it's usually market data companies that have the motivation and resources to provide such interfaces. I know of a few options that may or may not be close to what you're looking for. The SEC provides FTP access to the EDGAR system. You could download and parse the text files they provide. Yahoo Finance provides summary files of financial statements (e.g., GOOG) as well as links to the full statements in the EDGAR system. Once again, parsing may be your only option for these data. Xignite, a proprietary market data provider, provides a financial statement API. If you need these data for a commercial application, you could contact them and work something out. (Frankly, if you need these data for a commercial application, you're probably better off paying for the data) The Center for Research into Security Prices provides data from financial statements. I believe it's also exposed through several of their API's. As with most financial data, CRSP is sort of a gold standard, although I haven't personally used their API to fetch data from financial statements, so I can't speak for it specifically. This answer on StackOverflow mentions the quantmod R package and mergent. I can't vouch for either of those options personally. Unfortunately, you'll probably have to do some parsing unless you can find a paid data provider that's already compiled this information in a machine-readable format.


If it's always the same person: Open a second account, with them as the account holder. Get them a debit card for that account. To move money, do an inter-account transfer from yours to theirs. Fast, low to no fee, simple. (For a while I had a second credit card on my account for this purpose -- the other person was a trustworthy family member -- but a debit card on its own account is cleaner and much less risky.)


There's probably no simple answer, but it's fair to say there are bad times to buy, and better times. If you look at a house and see the rent is more than the mortgage payment, it may be time to consider buying. Right now, the market is depressed, if you buy and plan to stay put, not caring if it drops from here because you plan to be there for the long term, you may find a great deal to be had. Over the long term, housing matches inflation. Sounds crazy, but. Even into the bubble, if you looked at housing in terms of mortgage payment at the prevailing 30yr fixed rate and converted the payment to hours needed to work to make the payment, the 2005 bubble never was. Not at the median, anyway. At today's <5% rate, the mortgage will cost you 3.75% after taxes. And assuming a 3% long term inflation rate, less than 1%. You have expenses, to be sure, property tax, maintenance, etc, but if you fix the mortgage, inflation will eat away at it, and ultimately it's over. At retirement, I'll take a paid for house over rising rents any day.


"Her ""experience"" over the past 10-15 years ago is not relevant and the fact is that it ended with the worst and biggest security breach in the history of the world. Do you want me to give you quotes of what Susan said ""from her experience"" in professional discussions about security? To see how clueless she was. Let's be brutally honest: what are the chances do you think that Susan got her job because she was an expert and the best choice for the job? I, with at least 98% certainty, am sure that she got her job because she knows someone, or someone at Equifax knows her. Anyway, enjoy the great experience, talent and knowledge that Susan has in this discussion: [http://archive.is/6M8mg](http://archive.is/6M8mg) > Susan: “There are a lot of things to consider with that. One school of thought says that **when you put corporate assets into the cloud, they are more secure because you know exactly what you have there. You have an exact inventory, you know exactly who has access to that data, and how it is controlled.**"" This is so dumb and so incorrect and untrue."


First, I'd use an online tax calculator to figure out you total tax tab for the year. Then look through Circular E and figure out from there how much tax you should pay for the rest of the year and work backwards to calculate the number of allowances to get there. Two friendly warnings - Since you are doing this midyear, you'll need to repeat this exercise as we go into 2017. These next 6 months, you'll be withholding less than normal to make up for the high holdings so far. Second, a withholding is like saying tax/don't tax me on $4050. So in the 25% bracket, it's +/- $1000 in tax paid. You can adjust closer via the line 6 on W4 'additional withholding'.


Toronto is a lot bigger then you think. It doesn't just include downtown Toronto and what not. Don't forget they already have a distribution centre in Missisuaga so the area isn't anything new to them. Amazon also apparently wants to have it in Canada.


"All ticket vendors do this, not just Ticket Master. I purchased $20 of University of NC (UNC) Mens soccer tickets on their website last week, and was charged: $1 per ticket ""service fee"", $3 per ticket ""booking fee"", and then $1.50 per ticket to send via PDF e-mail! The total came out to around $11 in fees for $20 in tickets, making the total $30+ dollars when I should have just bought them up front at the counter before the game since it wasn't sold out."


When you enter your expected gross income into the worksheet - just enter $360000 and leave everything else as is. That should give you the right numbers. Same for State (form DE-4).


They're batched typically and about 30-90 days out typically, though the speed is routinely increasing the last few years. The flow depends from payment processor to payment processor. Generally, the cheaper the payment processing the longer the delay. The future of this stuff is blockchain if you'd like to look at that http://www.goldmansachs.com/our-thinking/pages/blockchain/


Do you need to buy car insurance? If you do, you are buying to open a put option.


We can't really get into the research design at this time, because we don't want to bias the results. I'm happy to follow up after the study with more details, if you like! Please just send me an email to joshua.becker@asc.upenn.edu and I'll send you something, probably in the Spring.


I'm not saying they shouldn't try, and perhaps, in the very long run it might be a good idea. In fact, if they were able to fix some of their own problems, it would be a great idea. Here is my understanding of a few points to suggest as of now it's not: - Ukraine is still very corrupt. - Ukraine doesn't really have an economy that can support itself. - Ukraine had traditional ties to Russia, and these ties included economic ties. To join the EU, a country should be in a position to foremost support itself. Not only will joining mean having huge inflation, but you're substituting one creditor and buyer for another. Problem is, you're right beside Russia, so you should be extra prepared for hard times. Most peopke I've spoken to don't necessarily agree on what's right or wrong, but economically, sticking with Russia and cleaning up the government would be the ideal. Problem is Russia exerts a less than clean influence. This is a problem, and where many people are stuck. Because just switching to EU will probably be harder on average people.


>Because business is GREAT, right? The consumer and retail sectors ARENT suffering in the toilet? The whole economy is flourishing! Hate to break it to you but it's the republican policies of deregulation and tax cuts we can't afford that got us this shit sandwich. >Considering most wage earners live paycheck to paycheck and have very little in the way of savings it doesn't suprise me they don't appreciate companies who MUST do this to survive or risk running out of capital and going bankrupt. Really? Seems to me like a person living paycheck to paycheck would actually have a very good idea of what it's like to live on the edge of bankruptcy


> Why not take out some loans? If you can get into a good school and get a good job, its worth it. I already have about $20k in student debt, and know I'll be adding more. The big issue is living expenses. I have a son and I know if I moved without him, my husband would use the chance to file for divorce and full custody under abandonment, but I don't see a way of doing school, working, and caring for him properly (he is smart as hell, but has autism and some other issues, so he needs counseling and extra support). I had a scholarship offer at Duke (in state & some ties to the school from a program they have to recruit middle- and high-school students and send us to summer camps) for undergrad and he started the whole divorce threat and just generally freaking out, so I had to turn it down. > Psychiatric Nurse Practitioner or possibly a Physician's Assistant. > Both good options. > I wish you luck :) Thanks. These seem like the best for what I'm passionate about, and most easy for finishing school without a huge amount of loans. I'm thinking local ADN program to get my RN, then online courses to bridge it over into a BSN, and hopefully find a hospital that will help pay for the NP. Otherwise, if I can continue getting in shape, I'm strongly considering the military as an option to pay for it. They have a program where you commission as an officer, with that salary, and they cover school.


"It's just a question of priorities. In short, yes. You could do the job successfully and workout 2 hours a day IF AND ONLY IF working out is your primary (and essentially only) non-work activity, and you therefore prioritize the hell out of it. You have 168 hours in the week (a figure all junior bankers know all too well). You do the math on working hours, sleep and working out and see how much is left for EVERYTHING else in your life. Not much. Perhaps this is obvious by now, but you'd have to be a complete fool to spend any time cooking, cleaning or doing laundry. You will be making at least $150k w/ bonus -- would you rather spend your vanishingly small amount of non-sleep/work/workout time cleaning, or attempting to maintain some friendships? Outsource the crap you don't want to do. That's the only way to make analyst life work, especially if you want to devote material time to staying in shape. By the way, when people say they ""work"" 100 hours, it starts to lose some meaning. Basically at some point you just flip the counting around and calculate how much time you're sleeping / out of the office and assume the rest is work. That 100 hours definitely includes meals, probably travel time to/from home and probably could include a workout during the day or early evening."


I just can't buy that for a minute. Someone who runs a multi billion dollar business like a castle for a princess is not fit to rule. Google probably saw she was brilliant and gave her the right limitations and freedoms.


You are still selling one investment and buying another - the fact that they are managed by the same company should be irrelevant. So yes, it would get the same tax treatment as if they were managed by different companies.


You have several sources of money: Scholarships not directly from the university. Some organizations have scholarships based on your area of study, your nationality, or your industry. Some require you to show that you need the money, others are based on your grades. The university can help you find these scholarship, or at least point you towards reliable listings. Don't pay somebody/some company to help you find them. Your employer. Some companies will pay for some classes. They may limit the types of the classes, and the amount of money. They may also require you to stay as an employee for a specific number of years in return for the money. If you quit before that time,they can ask you to refund the money. loans. I don't know what loan programs are available for international students.


You ever go in a Verizon store? Man, they're seedy, so it doesn't surprise me that they get commissions. But really, do the salespeople at Staples or Best Buy get commissions? That's a better comparison. If someone knows tech they would work for HP or Dell selling to corporate customers, not some mall store.


> I'm not sure what the point here is. The point is that the US just abandoned taking responsibility for it's part in climate change to save some jobs that are a small part of the overall economy. > However, for the individual who has pride in his or her work as e.g a coal miner, and who made a decent living, won't be better off working for Arby's. True, but the existing Arby's employees will be worse off, as will all the workers in other industries, as will all the inhabitants of Pacific island nations, as will just about everyone else in the world. But thank god a small group has job satisfaction.


US Bank just introduced this feature, but they want $.50 per deposit! No way man. Schwab has an Android App I have used a dozen times. Very easy and pretty consistent. It worked on folded checks, pictures on a reflective background (kitchen table top), big company issued checks and of course personal checks. Very positive feeling from this app and the ability to deposit.


A wing is a tremendously complicated part. Its aerodynamic properties affect the whole system, plus there are structural issues and fuel management systems. Wings also support the engines. In the 787's case, Boeing outsourced the wing's design. This can make sense: if Boeing specifies the interfaces between the wing and body and engines (physical, electronic, fluids), then all designers should be able to work to these interface specs. However, in this case, that was too difficult a challenge.


I agree, Schwab representatives are easy to reach and very helpful. I also like Vanguard for their low mutual fund fees, so I do my retirement stuff with them, but it took forever to get in touch with a representative just to ask a simple question. Now that they are lowering their rates to 8.95 per trade (effective January 19th), the value for your money is even better.


> But does that mean that we can blame a poor child for being born poor? No, we should feed the poor/hungry child. But most importantly, we should help families and educate people to become responsible parents. Because that's where the most damage is being done.


In Canada, it is similarly taxed as CQM states. Mining is considered business income and you need to file a T1 form. Capital appreciation is no different than treating gains from stock.


One can never be too cautious when when choosing a financial adviser. For example, has the company your adviser claims to represent ever been sanctioned by the local financial authorities? Does your adviser reside in the country in which he purports to operate? Have you thoroughly researched his background? It is also important to bear in mind what venues a company uses for advertising - if the company resorts to advertising by spamming, then their overall business practices are likely unethical and this could lead to trouble down the line. Finally, one should also research how the company's clientele has been built up. Was it through word of mouth or was the client data acquired by other means?


You don't need to notify the IRS of new members, the IRS doesn't care (at this stage). What you do need, if you have a EIN for a single-member LLC, is to request a new EIN since your LLC is now a partnership (a different entity, from IRS perspective). From now on, you'll need to file form 1065 with the IRS in case of business related income, on which you will declare the membership distribution interests on Schedules K-1 for each member.


"The consumers in the digital age are fully aware about what's happening globally. Marketing to this - digital generation of awakened consumers is not easy and will surely change the manner in which we interact, entertain, buy, advertise, sell and work"" says Shakir Ali the founder of E-merchant who is set to rewrite history of digital marketing in India."


I think you are mixing two different concepts here. The average investor, in the quoted reference, means an average single investor like you or like me. the average investor consistently under-performs the market. However, you then ask the question and you seem to refer to all investors as a group; individuals, institutions, investment banks, et al. since together, investors own 100% of the stock in every company? Every investor could match the performance of the market easily and at low fees by simply buying an S&P index fund and holding it. In fact, some investors can even beat the market with the addition of some stocks. Here is the ten-year chart of Berkshire-Hathaway B compared to the S&P 500. There are other examples. However, few of us have the discipline to do so. We read questions here every week about the coming turbulence in the market, about the next big trend, about the next bubble, etc. The average investor thinks he is smarter than the market and buys on a whim or sells likewise and misses out on the long, slow overall growth in the markets. Finally, the title of your question is “Dalbar: How can the average investor lose money?” I doubt that the average investor loses money in the past several years. Not making as much money as is easily possible is not at all the same as losing money.


Can they? Sure. Should they? Absolutely not. You're exactly right that it's dishonest, but it's not like it's a crime. Your best recourse, as is often the case, is simply to stop buying from this site, and cancel any existing orders. Shop with companies that exhibit trustworthy behavior.


We are sure that you want to know how much you will earn daily. Mostly it depends on your citizenship. US, UK and Canada members can earn about 50-60$ daily just for participating in surveys and offers. Representatives of other countries up to 5-7$, if they want to increase income it highly recommended to them mostly pay attention to passive income opportunities - our referral program. I like Cashle a lot better because you can get paid right away and the offers usually approve within the first day you complete them. Minimum for pay out is 1$ (!).


Charging very high prices for additional standard services: See Commission & Fees: https://brokerage-static.s3.amazonaws.com/assets/robinhood/legal/RHF%20Retail%20Commisions%20and%20Fees%20Schedule.pdf Link is down in the footer, to the left...


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I’ve never been a big ToysRUs shopper. This store always felt like an Office Depot for kids to me. Seems like ToysRUs stores would be WAY more kid active in its stores (toy demos, character mascots, free give-a-ways, etc.)


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In addition to the other excellent answers here, check out Mr. Money Mustache's site, it's based in the US but the basics still hold here in the UK. Another great site is the Monevator which is UK based and gives some great information on passive investing. Well done on getting to this point at your age - you've got plenty of time for the miracle of compound interest to work for you. EDIT: Once you have any existing debts paid off, take a look at passive/index investing. This could be a good way to make your £150 work for you by capturing the gains of the stock market. Invest it long-term (buy and hold) to make the most of the compound interested effect and over time that money will become something substantial - especially if you can increase payments over time as your income increases. You could also look at reducing your outgoings as recommended on the Mustache site linked above so you can increase your monthly investment amount.


"These cars are generally considered out of date and are less prone to be victims of car theft while being reasonably safe. Make sure you pick a model with a good reliability reputation, see what comes up at your local junk yard (the common old models have survived long enough to not end up there until now). Servicing your car takes some effort and some initial investments, but learning how to fix simple problems by yourself will save you a lot of money in the long run. Start by learning how to locate some simple faults. Diagnosing issues is a very costly process if done professionally, but some you may be able to find by yourself. All cars sold in USA from 1996 are required to have this connection below the steering rack. As a consequence most cars manufactured 1995 will have this connector world wide. If you connect your OBD2 adapter to this port your car will be able to tell you what's wrong through an app on your phone and you will be able to clear fault codes by yourself to make sure the problem really is solved. This is what you mechanic should use when servicing your car. While a new print can be expensive you can find used manuals getting thrown out of service centers or at yard sales. These will include service notes and sometimes had-written notes to help you out. The majority of parts on scrapped cars are still in working condition and may not ever see significant wear and tear. If you put some time into removing the part yourself you will have a good idea of how difficult it is to replace the part on your car and outsource the work to a professional if needed. This of course assumes you bring good parts. The main income should come from the work performed on your car, not the markup of spare parts. Generally speaking specialized mechanics working with one or few brands of cars are preferable as these will not only be familiar with your car but are also more likely to get original spare parts (not ""pirate"" parts made to be compatible at a cheaper price). This will make sure the part works as intended and not cause wear and tear of other parts. For example you'd much rather replace a broken fuse instead of cleaning up the aftermath of fried electronics. Turn off the AC when it's not needed. There should be a button labeled ""ECON"" or similar which will disable the AC compressor while keeping the rest of the systems running. The compressor is usually driven by a belt from the crankshaft and will eat up some of the power your engine produces. Just remember that while it saves gas, uncomfortable driving conditions may shorten your patience and reduces your attention. Accelerate up to speed quickly. Contrary to popular belief, this saves more gas than accelerating slowly because the time your engine is under increased load is shorter combined with higher efficiency at medium engine speeds. Allow your speed to decline on uphills, you will regain that speed once the road levels out. Unless you're in heavy traffic driving a bit slower shouldn't harm the flow. Don't let go of the gas pedal, just avoid compensating as much. Your target should be to not lose more than 20% of your speed over the entire ascent and have a constant deceleration or you will start interfering with traffic. Make sure your car is healthy. As obvious as it may sound, worn out parts may harm your mileage. Increased friction in bearings due to broken protective covers or reduced pressure from a broken exhaust are just examples if things that will ruin the efficiency of you driveline. By themselves they may not do much but they add up into both gas consumption and reliability issues. Really do read your owners manual. Nobody knows your car better than the people who built it. What's best for my car may not be best for your car and the best way to make sure your car is working as intended is to take an afternoon with your manual and a cup of your favorite beverage. Afterwards you will know how all the features of your car works. ""Take care of your car and it takes care of you"" is the principle I'm working with. A car you're happy with will make you more calm behind the wheel and leads to higher quality of your driving decisions. Both you and your fellow commuters will benefit from this, even if they may never take the time to thank you."


"Safe short term and ""pay almost nothing"" go hand in hand. Anything that is safe for the short term will not pay much in interest/appreciation. If you don't know what to do, putting it in a savings account is the safest thing. The purpose of that isn't to earn money, it's just to store the money while you figure out where to move it to earn money."


The mathematically correct answer is to invest, because you'll get a higher rate of return. I think that answer is bunk -- owning your home free and clear is a huge burden lifted off of your shoulders. You're at an age where you may find a new job, business, personal or other opportunities will be easier to take advantage of without that burden.


If the company reported a loss at the previous quarter when the stock what at say $20/share, and now just before the company's next quarterly report, the stock trades around $10/share. There is a misunderstanding here, the company doesn't sell stock, they sell products (or services). Stock/share traded at equity market. Here is the illustration/chronology to give you better insight: Now addressing the question What if the stock's price change? Let say, Its drop from $10 to $1 Is it affect XYZ revenue ? No why? because XYZ selling ads not their stocks the formula for revenue revenue = products (in this case: ads) * quantity the equation doesn't involve capital (stock's purchasing)


Except the survey didn't have that result and your new title is just as incorrect. Not everyone got a pay raise. That doesn't even begin to pass the smell test. http://www.guardian.co.uk/business/2011/dec/14/executive-pay-increase-america-ceos > The Russell 3000 measure of US stock prices was up by 16.93% in 2010, but CEO pay went up by 27.19% overall. For S&P 500 CEOs, the largest companies in the sample, total realised compensation – including perks and pensions and stock awards – increased by a median of 36.47%. Total pay at midcap companies, which are slightly smaller than the top firms, rose 40.2%. The average increase was between 27-40% depending on who you count, but that doesn't mean there were across the board increases.


I would go with option B. That is safer, as it would leave you with more options, in case of an unexpected job loss or an emergency.


I can't speak about the UK, but here in the US, 1% is on the cheap side for professional management. For example Fidelity will watch your portfolio for that very amount. I doubt you could claim that they took advantage of her for charging that kind of fee. Given that this is grandma's money, no consultation with the family is necessary. Perhaps she did have dementia at the time of investment, but she was not diagnosed at the time. If a short time has past between the investment and the diagnosis, I would contact the investment company with the facts. I would ask (very nicely) that they refund the fee, however, I doubt they under obligation to do so. While I do encourage you to seek legal council, there does not seem to be much of substance to your claim. The fees are very ordinary or even cheap, and no diagnosis precluded decision making at the time of investment.


"> It's meant to up to the employer to provide training for incompetence. Incompetence is the lack of knowledge, not the lack of will. Nope. what you are describing is ""ignorance"". Incompetence is a failure to perform acceptable work (appropriate quality/quantity) -- *despite* having been properly trained and equipped."


A bullish (or 'long') call spread is actually two separate option trades. The A/B notation is, respectively, the strike price of each trade. The first 'leg' of the strategy, corresponding to B, is the sale of a call option at a strike price of B (in this case $165). The proceeds from this sale, after transaction costs, are generally used to offset the cost of the second 'leg'. The second 'leg' of the strategy, corresponding to A, is the purchase of a call option at a strike price of A (in this case $145). Now, the important part: the payoff. You can visualize it as so. This is where it gets a teeny bit math-y. Below, P is the profit of the strategy, K1 is the strike price of the long call, K2 is the strike price of the short call, T1 is the premium paid for the long call option at the time of purchase, T2 is the premium received for the short call at the time of sale, and S is the current price of the stock. For simplicity's sake, we will assume that your position quantity is a single option contract and transaction costs are zero (which they are not). P = (T2 - max(0, S - K2)) + (max(0, S - K1) - T1) Concretely, let's plug in the strikes of the strategy Nathan proposes, and current prices (which I pulled from the screen). You have: P = (1.85 - max(0, 142.50 - 165)) - (max(0, 142.50 - 145)) = -$7.80 If the stock goes to $150, the payoff is -$2.80, which isn't quite break even -- but it may have been at the time he was speaking on TV. If the stock goes to $165, the payoff is $12.20. Please do not neglect the cost of the trades! Trading options can be pretty expensive depending on the broker. Had I done this trade (quantity 1) at many popular brokers, I still would've been net negative PnL even if NFLX went to >= $165.


"Although there is no single best answer to your situation, several other people have already suggest it in some form: always pay off your highest after-tax (!) interest loan first! That being said, you probably also have heard about the differentiation for good debt vs. bad debt. Good debt is considered a mortgage for buying your primary home or, as is the case here, debt for education. As far as I am concerned, those are pretty much the only two types of debt I'd ever tolerate. (There may be exceptions for health/medical reasons.) Everything else is consumer debt and my personal rule is, don't buy it if you don't have the money for it! Meaning, don't take on consumer debt. One other thing you may consider before accelerating paying off your student debt, the interest paid on it may be tax deductible. So you should look at what the true interest is on your student loan after taxes. If it is in the (very) low single digits, meaning between 1-3%, you may consider using the extra money towards an automatic investment plan into an ETF index fund. But that would be a question you should discuss with your tax accountant or financial adviser. It is also critical in that case that you don't view the money invested as ""found"" money later on, unless you have paid off all your debt. (This part is the most difficult for most people so be very cautious and conscious if you decide to go this route!) At any rate, congratulations on making so much progress paying off your debt! Keep it going."


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-07-11/electricity-overtook-fossil-fuels-in-push-for-investment-in-2016) reduced by 84%. (I'm a bot) ***** > Electricity drew in more investment than fossil fuel supply for the first time last year as the energy industry prepared for electrification of everything from cars to buildings and industrial processes. > &quot;With robust investment in renewable energy, increased investment into electricity networks, electricity is now the biggest area of capital investment."" > The shift of capital flows away from fossil fuels and towards electricity, particularly clean sources such as solar and wind, shows that the trend spurred by the Paris climate accord is seeping into the business of energy. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6mlp52/electricity_overtook_fossil_fuels_in_push_for/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~164435 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*: **energy**^#1 **percent**^#2 **investment**^#3 **Electricity**^#4 **billion**^#5"


Why would his prediction be doubted? The guy predicted the housing bubble because he saw middle managers in every place of business being replaced by software. They were unable to find a new similar paying job and thus lost their houses. Now he sees 500,000 full-time job loses and 800,000 part-time job gains in one financial quarter. He sees 200,000 jobs created last month in July with 140,000 of those jobs being low wage service jobs. The guy is not a prophet. He is a realist. You investors who see the economy with rose-colored glasses are riding high on maximized profits as a result of low-wage earning skeleton operation crews. You'll be in for a rude awakening to find fewer customers able to buy the products and services being offered.


"The complaint isn't based on facts. It's based on pure protectionism. Boeing doesn't even build this class of airplane. **The Bombardier C-series would compete with the 717 which Boeing hasn't built in over ten years**. >*""In the Delta Air Lines deal, the airline began talking with Boeing about used E-190s and used Boeing 717s. Boeing had 19 E-190s to dispose of, having committed to take them in on trade as part of an order with Air Canada for the 737 MAX. Delta purchased the 19 E-190s, but rejected the 717s because none was available during the period it required and there were not enough used 717s in any event. Delta called the 737-7 MAX uneconomical vs CSeries, rooted in 1960s design and an inefficient shrink.""* >*""Delta testified Boeing never offered any new-build aircraft because Boeing doesn’t have an offering in the 100-125 seat sector and it didn’t have any available delivery positions in the period required.""* Secondly, Boeing holds the **[#1 spot on the most heavily subsidized companies in the US list](https://subsidytracker.goodjobsfirst.org/top-100-parents)**, so even if their allegations were true, for Boeing to suggest that another company benefits from subsidies is a case of a very, very, very large pot calling a teeny-tiny kettle, black. Lastly, to respond in kind to Boeing and the Trump administration, the Canadian governemt should be **cancelling it's $2,800,000,000 Boeing Super Hornet** order and exert pressure... perhaps a 220% tax would convince **[Air Canada to dump its $6,500,000,000 order for 61, Boeing 737 Max airplanes?](http://www.cbc.ca/news/business/air-canada-orders-61-boeing-737-max-jets-1.2460560)** You know, to be fair because Boeing is heavily subsidized and all..."


I'm not debating that, I'm saying early adopters should be upgrading from a beater that's about to die, not throw their 2-4 year old cars away to get a new EV. Volume will come and people do need to buy, but you can't environmentally justify replacing a lease with a shiny new Tesla.


Consumers got what they paid for and Tesla put better equipment than necessary inside to A. Assist with resale value and B. Lessen manufacturing costs. The side effect is longer battery life and the option to upgrade without needing service. It's kind of a win win win win.


Egg. Haven't used it personally. I can do a lot with excel itself, but that is a personal choice. Sometime ago Kublax existed but I read somewhere it went bust.


At the higher level - yes. The value of an OTM (out of the money) option is pure time value. It's certainly possible that when the stock price gets close to that strike, the value of that option may very well offer you a chance to sell at a profit. Look at any OTM strike bid/ask and see if you can find the contract low for that option. Most will show that there was an opportunity to buy it lower at some point in the past. Your trade. Ask is meaningless when you own an option. A thinly traded one can be bid $0 /ask $0.50. What is the bid on yours?


The government pays interest on its debts just like anyone else, but since it's already the government and already taking advantage of credit (your money loaned to it through the bonds), it doesn't need the extra benefit of taxing the interest it pays. **It's better off just issuing bonds at a lower interest rate and letting you keep all the interest, instead of a higher interest rate which will have some amount taxed and returned to it anyway.** The government wants a cut of private loan interest just like any other income, which is why interest on private bonds/loans is taxable. Edit: What about municipal bonds? Wouldn't the federal government benefit from taxing interest on municipal bonds? Municipal bonds are issued to support public infrastructure & services such as construction of water supply infrastructure. Since the goal is to improve facilities for the public benefit, and government programs ostensibly aim to provide public benefits as well, it allows the full proceeds of the bonds to go to the designated projects at the lowest possible interest rate (and the public pays the interest through city rates). Taxing municipal bonds would result in a higher cost to the public for the same end result (because of higher interest rates), with the net interest going to the federal & state governments via income tax on the interest.


Looks like you can get a PO box online for $62 per year: https://www.usps.com/manage/get-a-po-box.htm


Perhaps your company is trying to save money or you’re trying to meet some other goal, such as lowering volatile organic compound emissions, gaining LEED points for certification, or just plain being eco-friendly—whatever the case, the time has come find someone to work with.


Sometimes you have to travel from one place to another and you need to find a good taxi. In this case you have to find out as to whether you would be able to get the perfect one for you. This would make you stay yourself on a much better and profitable side that would not make you get tensed. Unless you try to get the perfect one for you it would not make you get the right amount of fulfillment.


What I do in those cases - assuming I like the job - is ask for a review in 3-months. They usually take this to mean I want a raise-review and give me a raise. What I really want to know is how I'm doing. Some managers will only give feedback in a review instead of every day.


Lets say person A has no problems and has roughly a 100 point IQ. Because their life is fine they less likely to strive for better. Then there is person B with issues, so they have to fight to be 'normal' or smart enough to work in normal situations. Because of this their intelligence is much higher. From that a personality trait is built which encourages them to continue learning and increasing their intelligence. They end up being smarter than the average person on specific pointed subjects. IQ is a bit annoying as it implies well rounded knowledge, but this skill isn't that. It is pointed knowledge in specific areas. I've always speculated that when someone is gifted they excel in most everything and tend to be rather well rounded, but genius is someone who is so interested in something specific that they excel beyond gifted. A genius is someone who can skip steps in these subjects. Because of these things I've always speculated that most geniuses is more likely to be autistic at a young age than not, but details are hard to come by.


"I agree with you halfsies. Marketing yes, but to paraphrase Steve Jobs, marketing isn't how you get the word out, it's what you build to start with. The vast majority of startups have ideas which could only be profitable in a universe other than our own. In the real world, outside of venture capital, the people with these ideas would understand that, at best, they are only hobbies. Nobody would give them a loan. But venture capitalists will throw money at anything with chunky nerd glasses and an iPad, so they are ""enabled"". Then they waste years of their lives on things which should rightly have never lived to begin with. It's desperately sad."


Funds can be a issue for most nowadays, as well as on-line poor credit fiscal are getting to be popular in an effort to spend on unanticipated as well as high priced economic circumstances. Absolutely no credit check needed poor credit fiscal like fast cash advance are mainly utilized by people that perhaps have been hit by the recent economic climate and are unable to afford unanticipated expenses as well as application auto repairs.


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Maybe not exactly 5 years ago, but the big thing I wish I understood starting out my career was retirement accounts and how they worked.


Yea, honestly taking in debt is pretty much never a good idea. Even borrowing from your own family can cause issues. It better be a very serious issue if you're trying to borrow and use money you don't have. Especially if we're talking about figured that are high relative to your income stream and/or that of the person you're borrowing from if it's not an official entity.


I'm assuming you are buying bond mutual funds or bond etfs here, not the actual bonds directly. There are a significant variety of different types of bond funds, reflecting the sort of bonds they invest in. For example, you can invest in risky, non-commercial grade bonds, also known as junk bonds. Or you can invest in short-term bonds, which are much safer but return much less. There's no such thing as the 'average bond'. So, let's go for somewhere in the middle. Let's go for 3% return, after fees. Now, it's fairly simple math. You want $3,000 a month, or $36,000 a year. To generate that sort of return, you'd need to invest $1,200,000. If we are more optimistic, we could go for a 4% return, after fees. That reduces your investment to $900,000. Note that it would almost certainly not make sense to invest all that money in bonds. Instead, you'd want to invest in a mix of stocks and bonds. This could likely reduce your risk while increasing your expected return.


"My answer might be out of date due to the Affordable Health Care law. I will answer for the way things were prior to that law taking effect. In my experience, hospitals have a financial assistance program you can apply for. If you can show a financial need, the hospital will only charge you a certain percentage of your bill. A person with a very low income will likely only be charged 5 or 10% of the theoretical balance. That would be assuming the person is at or near the poverty level (which has an official definition -- but to give you an idea, your cashier at McDonald's is probably at or near the poverty level). Also note that sometimes it takes a while for hospital charges to be submitted to insurance, and to be approved and paid. Thus, many people have learned through experience to ignore the first bill that comes in from a hospital, and wait a month before paying. There can be a dramatic drop in the ""What you owe"" line after the insurance company responds, and the billing office adjusts the bill to the negotiated amount and subtracts off what the insurance company covered."


The post that you linked to saying that a pre-paid credit card is really a debit card is kind of right and kind of wrong. From your point of view, to get a $1000 pre-paid credit card, you need to hand over $1000. So nobody is giving any credit to you. You can only spend money that you actually own, like a debit card. For the merchant accepting your card, it is exactly like a credit card. He doesn't know what deals you had to make to get the card. The merchant just knows that up to some amount, he will receive money. So in that sense it is a credit card and will be accepted like a credit card.


If the contributions were yours, they are vested immediately. Otherwise, there are some rules laid out on the Department of Labor website: ww.dol.gov/ebsa/publications/wyskapr.htm


> their ad-block / “quote of the day” screen is so toxic and poorly designed it’s unbelievable. This really shocked me. If you want to force me to look at an ad before I get to the content I can see the commercial rationale behind it. But that quote? Thrashy, pseudo-intellectual bullshit wasting my time. WTF?


"I wish you were right, but sadly, ""we the data"" have pretty much *no* ability to have any effect on Equifax; **That's** the real ""fuck you"" of this whole situation, *we* had zero choice in whether or not they tracked our data. Now, more to your point... Can we *maybe* get the *actual* customers (banks, loan brokers, etc) to favor TransUnion over Equifax? *Maybe*. But you're missing the point entirely if you go that route. The problem here isn't Equifax. The problem here is that Equifax (and Experian, and Transunion, and LexisNexis, etc) is *allowed to exist* under US law in the first place. Don't lobby your bank, lobby your **senator**. They won't actually *care*, since Equifax pays them more than you do, but that's at least nominally ""more effective"" if we want to play pretend that our elected officials actually care what we think."


"This could be another reason. ""Companies buy their own stock in the market place to reduce the number of shares outstanding, and thus boosts the earnings per share. It also boosts the stock price, which benefits management that has stock options. "" Taken from this article. http://www.forbes.com/sites/investor/2014/01/06/the-most-reliable-indicator-of-an-approaching-market-top/ and this article ""Why are stock rising?"" may help as well. http://www.forbes.com/sites/investor/2013/12/23/why-are-stocks-rising/"


I do this often with shares that I own - mostly as a learning/experience-building exercise, since I don't own enough individual stocks to make me rich (and don't risk enough to make me broke). Suppose I own 1,000 shares of X. I don't expect my shares to go down, but I want to be compensated in case they do go down. Sure, I could put in a stop-loss order, but another option is to sell a call above where the stock is now (out-of-the-money). So I get the premium regardless of what happens. From there three things can happen: So a covered call essentially lets you give up some upside for some compensation against downward moves. Mathematically it's roughly equivalent to selling a put option - you make a little money (from the premium) if the stock goes up but can lose a lot if the stock plummets. So you would sell call options if:


Mine did. It was withdrawls on an ATM card (at an ATM without a camera, ofc). I signed a statement, and the cash was put back into my account immediately while they conducted the investigation. Nothing resulted from the investigation, but my CU ate the charges, didn't pass them on to me.


Typically Banks look for a steady source of income or savings based on which they issue a credit card. If you can't show that build a cash balance and show it. For Example if you have an PPF account with say SBI, they issue you a card with a limit of around 50% of the balance in PPF. No other documentation is required. Similarly if you have Fixed Deposits for a large amount quite a few Banks would give you a Credit Card. My wife has a credit card because she had a good balance [around 100,000 INR] for around a year, the Bank kept calling her and offered her a card.


It also increases productivity. This is also what happened to the US manufacturing base. With the improvements in technology, they were able to automate things to increase productivity, increase quality of goods and focus on high tech/complicated goods that require a skilled labor force. So even though the US manufacturing base over the last 30 years has lost jobs, the US is still a powerhouse when it comes to manufacturing.


Hmm, I don't see why Chinese people would want to dress like East Coast US white kids vacationing at the Hamptons with their lacrosse team. Well, other than for some type of ironic Chinese style Halloween costume.


All my computers have come through bartering in some form or another. I now own 2, and the only thing ever purchased was certain limited parts. It's not very appropriate to the cost of electronics as a proxy for the affordability of the cost of living. If that proxy was even mildly valid you could rent a decent apartment for $200 bucks or less, and furniture, food, etc., would be nearly free. The electronics cost proxy is absurd. Basically, 35 years ago almost nobody owned a computer. While the cost of living has skyrocketed what sense does it make to claim that the cost of something that people didn't even own then is a valid proxy of the cost of the things they require to live?


"What? No, not at all. Not even a little bit. The argument rajan made in his book is that political elites were looking for easy fixes to stagnant wages at the bottom, which were caused by large scale forces like globalization and information tech, but those problems are hard to deal with, so insteas they ""let them eat credit."" They lowered home loan standards and gave them govt guarantees in order to give them higher standards of living, and of course it collapsed. I think his views are different than krugman, who i would guess would actually be supportive of such an absurd idea. Least do a cursory search before making a cynical self-congratulatory comment"


Lego is a colorful theme, the guests can be asked to dress up in different colors like a costume. They can be offered to paint their face. But you should ensure that child has no allergies and don't paint over open cuts as it can be harmful. Kids will love having their faces painted and this party will be rocking. The color theme can be carried with the cake and the sandwiches. The strips of colored icing can make the cake resemble like Lego bricks.


">It seems that the corporation was ordered to pay, no? The man does not claim he can't pay it, he claims the corporate entity that is supposed to pay it can't pay it. Exactly. Robert K (Rich Dad) established a company called Rich Global LLC. Which was sued by his partners in that company for failure to pay their agreed upon percentage of income. [From this article](http://abcnews.go.com/Business/rich-dad-poor-dad-author-files-bankruptcy/story?id=17463158#.UHhXSG_A_6M): The company had been weighed down by a lawsuit filed by Learning Annex, one of Kiyosaki's earliest backers who had helped arrange his public speaking events earlier on, Forbes reported. Bill Zanker, the founder and president of Learning Annex, sued Kiyosaki after he allegedly failed to pay a percentage of profits from his speaking engagements. A district judge in New York awarded Learning Annex $23.7 million. ""I took Kiyosaki's brand and made it bigger,"" Zanker told the New York Post. ""The deal was I would get a percentage, and he reneged. We had a signed letter of intent. The Learning Annex is his greatest promoter. We put his 'Rich Dad' brand on a stage. We truly prepared him for great fame and riches. But when it was time for him to pay up, he said 'no.' "" Robert Kiyosaki, author of the book, ""Rich Dad, Poor Dad"" filed for corporate bankruptcy through one of his companies, Rich Global LLC. A few years ago Robert K started another company called Rich Dad Co. He shifted all sales from books, seminars videos etc from his first company to the new company. It seems this was a fantastic stroke of lucky timing - or he purposefully did this while talks were souring between him and his former business partners. The former company is a shell with very little assets. That's pretty convenient. >This man probably runs several businesses. Yes he does - I have provided examples of this in my previous posts. >there is a chance some may go under. Go under? His book sales are not diminishing, he still does sell out seminars, he is paid for public speaking. This isn't about a company that failed to become successful. >If you don't want to invest with someone who doesn't have skin in the game, all you have to do is don't invest. Are you even aware of who is partners are / did you even read any of the information I have provided to you? His partners were the people who made him famous. They backed him and propelled him to the level he is currently at. They are asking for their fair share of what they created - and a court of law agrees with them. Robert K screwed them. Example: I am a low level motivational speaker. You are a promoter and believe in my message. You and I go into business. My job is to continue to write books, speak and create videos - you back me financially and create a PR and marketing campaign to propel me to a higher level of public awareness. You do your job and make me famous. When it comes time to pay you - I reorganize the company and screw you. I really can't continue this conversation. I have provided plenty of information, supporting links and examples. It is clear that you are unwilling or just unable to concede (at ANY LEVEL) that it is even possible that someone would/could manipulate BK laws to avoid liability. This discussion is turning into the equivalent of someone trying to describe the color red to a blind person. No matter what I present to you - you just can't see red. You are obviously entitled to your opinion and just for the record I have not downvoted a single one of your posts - however, due to your instance and firmly held belief that this type of business practice is ""smart business"" I restate that (in my opinion) you are part of the problem. *edit: Yet more fat fingered spelling mistakes... my typing skills need improvement"


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