Actually, the EU alone supplies over 40% of all imported Russian fruit and chicken, with that number rising to over 85% in major cities. Which makes sense, considering the EU is Russia's closest and most important trading partner. It looks like the Kremlin doesn't want it's people to know just how bad it's about to hurt them.


For a 401(k), only contributions that you make for the current tax year through payroll deduction are tax-deductible. Those contributions are subtracted off of your income for your W-2 Box 1 income amount. If you make a manual contribution to your 401(k) outside of that, it is not tax deductible, and there is nowhere on your Form 1040 to deduct it. Your commuter benefits are also paid for out of payroll deduction and deducted on your W-2, so this is not an option, either. You could contribute to a traditional IRA for last year up to your tax return deadline, and deduct the amount on Form 1040 Line 32. However, because you have access to a retirement plan at work, your IRA contribution is only tax deductible if your income is below certain limits.


If a person owes someone money, he can be sued for it, and forced to pay via court order. It is completely irrelevant who that person owes money to (here: a not specified 'estate'), and irrelevant what source they get money from (here: life insurance payout). What makes you think there is any special combination that allows the owing person to not pay their debt? If it would exist, everybody would use it to get out of his debt.


I don't believe there is such a process. My observation (i.e. my opinion) is that banks will have a level of security walls appropriate to the cost vs risk they experience. Since as Frazell says, your liability is limited for this type of fraud, you personally bear little if any risk. If this fraud were common enough that the cost of your proposal outweighed the expense, they would implement it. On a similar note. Credit card fraud can be reduced ten fold if a PIN were required for all purchases. The 3 digits on the back helps prove the card is there, and you just didn't steal the from 16 digits, but a 6-8 digit PIN required at point of sale would be tough for the thief to guess. How much software to do this would cost, I don't know, but the idea is brilliant, even if it's mine. 10 fold reduction, if not 100 fold. (Any bank guys reading?)


"From the perspective of a small business owner: First there are no entry level positions. There are only lower paying positions and higher paying positions. Get the idea that employers are supposed to be your post secondary education out of your mind. Replace that with working your ass off and impressing employers with your skill set. The reality is I make a hiring decision based first on these two accounting factors. #1 How much do I have to invest in this person to make them effective #2 How long until this person is covering his/her own overhead and begin to turn a profit. Then you get into ""is this person going to fit with my team"" etc.. I am always going to choose the person that has the best return formula for my business. Here's a hint, it's the same formula for choosing vendors and making capital purchases. It's also the very same formula that my customers use when they consider buying from me. Even a single person in my organization that doesn't fit that formula will cost me business through the loss of customers or not getting a customer we're going after. For me it works, for candidates looking for a career guidance councilor, it does not. In the capitalist economy my job is to make sure the lights are on, the products or services are good, and your paycheck clears. If you like me doing my job, then your job is to make me more money, keep my customers happy, and bring new customers to the company. Entry level doesn't do that so there are no entry level jobs in my company."


One option is that the buyer brings cash and you together with the buyer go the bank where you have an account and deposit the money there - then the bank checks the cash and once the cash is accepted you no longer care if it was counterfeit. Once money is deposited you handle the keys.


They're both successful in their own manner and they both likely work hard, but with clearly different methods and goals. The guy who writes a few financial blog posts each week is still working hard to broaden his views and completely understand what he's writing on. It may take him only 2 hours to start and finish his post, but it takes days/weeks/months curating and understanding everything that went into it.


"Probably the most significant difference is the Damocles Sword hanging over your head, the Margin Call. In a nutshell, the lender (your broker) is going to require you to have a certain amount of assets in your account relative to your outstanding loan balance. The minimum ratio of liquid funds in the account to the loan is regulated in the US at 50% for the initial margin and 25% for maintenance margins. So here's where it gets sticky. If this ratio gets on the wrong side of the limits, the broker will force you to either add more assets/cash to your account t or immediately liquidate some of your holdings to remedy the situation. Assuming you don't have any/enough cash to fix the problem it can effectively force you to sell while your investments are in the tank and lock in a big loss. In fact, most margin agreements give the brokerage the right to sell your investments without your express consent in these situations. In this situation you might not even have the chance to pick which stock they sell. Source: Investopedia article, ""The Dreaded Margin Call"" Here's an example from the article: Let's say you purchase $20,000 worth of securities by borrowing $10,000 from your brokerage and paying $10,000 yourself. If the market value of the securities drops to $15,000, the equity in your account falls to $5,000 ($15,000 - $10,000 = $5,000). Assuming a maintenance requirement of 25%, you must have $3,750 in equity in your account (25% of $15,000 = $3,750). Thus, you're fine in this situation as the $5,000 worth of equity in your account is greater than the maintenance margin of $3,750. But let's assume the maintenance requirement of your brokerage is 40% instead of 25%. In this case, your equity of $5,000 is less than the maintenance margin of $6,000 (40% of $15,000 = $6,000). As a result, the brokerage may issue you a margin call. Read more: http://www.investopedia.com/university/margin/margin2.asp#ixzz1RUitwcYg"


I graduated with a Computer Engineering degree in the mid 2000's, my first job out of school paid $70k. Every job I took after that increased my income 10-15%, and I jumped around *a lot*. Anyway, the $250k jobs aren't really a SF thing, you can find them all over if you have enough experience (at least 10 years under your belt). I see $150-175k jobs all the time here in Dallas, if you factor in a generous 401k and other benefits you can get pretty darn close to $250k, and the cost of living here is pretty cheap. I totally agree that the degree isn't all that important once you get started, that's why I encourage people to put effort into cultivating a professional network. Maintain your linkedin profile, and never stay with the same employer for more than 2 years. Jumping ship will give you new skills and greatly expand your professional network. It's not particularly difficult unless you're an introvert (which lots of tech type folks are), but that just means you'll have to work a little harder at it.


Tax brackets refer to the range of taxable within which you fall. An income tax bracket usually refers to federal or state tax, not the combined rate. I have put here the tax brackets for 2016 for IRS and State of California. https://www.irs.com/articles/2016-federal-tax-rates-personal-exemptions-and-standard-deductions https://www.ftb.ca.gov/forms/2016-california-tax-rates-and-exemptions.shtml According to those, a taxable income of 100,000USD would fall in the 28% bracket for the IRS and 9.30% for State of California. The combined rate is therefore 37.3%. However, this does not mean you would pay 37,300USD. First of all, your applicable tax rate applies only for each dollar in your tax bracket (e.g. 28% * 8,849USD for IRS). Therefore, to calculate your combined taxes you would need to do: Therefore, your effective tax rate would be much lower than the combined tax rate of 37.3%. Now do note that this is an example to illustrate tax brackets and is nowhere near the amount of taxes you would be required to pay because of various credits and deductions that you would be able to benefit from. Edit: As suggested in the comments, a note on marginal tax rate (referred to here as combined tax rate). This is the rate of taxes paid on an additional dollar of income. Here, every additional dollar of income would be taxed at 37.3%, leaving you with 62.7 cents.


There is no best way, you can send the money to India or invest into shares in US. It depends on the risk you are ready to take.


"The real answer is to talk to the bank. In the case of the last car loan I got, the answer is ""no"". When I asked them about rates, they gave me a printed sheet that listed the loan rates they offered based on how old the car was, period. I forget the exact numbers but it was like: New car: 4%, 1 year old: 4.5%, 2-3 years old 5%, etc. I suspect that at most banks these days, it's not up to the loan officer to come up with what he considers reasonable terms for a loan based on whatever factors you may bring up and he agrees are relevant. The bank is going to have a set policy, under these conditions, this is the rate, and that's what you get. So if the bank includes the size of the down payment in their calculations, then yes, it will be relevant. If they don't, than it won't. The thing to do would be to ask your bank. If you're only borrowing $2000, and you've managed to save up $11,000, I'd guess you can pay off the $2,000 pretty quickly. So as Keshlam says, the interest rate probably isn't all that important. If you can pay it off in a year, then the difference between 5% and 1% is only $80. If you're buying a $13,000 car, I can't imagine you're going to agonize over $80. BTW I've bought two cars in the last few years with about half the cost in cash and putting the rest on my credit card. (One for me and one for my daughter.) Then I paid off the credit card in a couple of months. Sure, the interest rate on a credit card is much higher than a car loan, but as it was only for a few months, it made very little real difference, and it took zero effort to arrange the loan and gave me total flexibility in the repayment schedule. Credit card companies often offer convenience checks where you pay like 3% or so transaction fee and then 0% interest for a year or more, so it would just cost the 3% up front fee."


"Can an employer force a person to take a stock? From what I understand an employer can only offer stock options, doesn't that mean that the employee has to exercise that option in order for the stock to be valid? Would it be legal to fire me for refusing a bonus? Furthermore would owning stock necessarily make you an ""owner"" for the purposes of said law?"


Oh that's bullshit, it was at 12% when Obama took office. Oh fyi, just in case you don't comprehend, all the job growth is still from Obamas budget. Meaning the stimulus, and social spending is from Obama. Although we will ignore that, we will ignore that it was at 6.8% in 2014, 5.5% in 2015, and 4.8% in 2016.


Let’s try the more straightforward approach again: The current state of Economics doesn’t take into consideration the human condition. As you have done yourself, it refuses to even admit that the human condition should be a factor it considers. But when humans are in dire straights, we find their economic position is pitted directly against their human condition. Which of these two will win? Hint: Not the current economic system, unless it starts accounting for and being tolerant of the human condition. How could I possibly know that? Humans created the economic system. It is not an innate part of their condition, contrary to what many would suggest. When faced with two opposing forces, humans will ALMOST always destroy the weaker of the two, to end the conflict. Humans can not destroy the human condition. Feelings DO have an impact on the economy. Trust and loyalty, love and hate, all impact it. When we let the economy lead to suffering, we design its own downfall. If the economic system could, instead, be seen as ONLY a trade structure that backs off when other influences come to bear, it could survive. But the current Capitalist structure tries to place money above all else. So of course it is seeing problems.


Is this even legal? How can a bank refuse to deposit legal tender in the United States? Legal for all debts, public or private, doesn't mean quite what I used to think, either. Per The Fed: This statute means that all United States money as identified above is a valid and legal offer of payment for debts when tendered to a creditor. There is, however, no Federal statute mandating that a private business, a person, or an organization must accept currency or coins as payment for goods or services. Private businesses are free to develop their own policies on whether to accept cash unless there is a state law which says otherwise. Yes, they can refuse loose change. Also, they aren't refusing your deposit, just requiring that it be rolled. What do I do with my change? I do not want to spend the time rolling it, and I am not going to pay a fee to cash my change. There aren't many other options, change is a nuisance. I believe Coinstar machines reduce/remove their fee if you exchange coins for gift cards, so that might be the best option for convenience and retaining value.


Yes. It seems to me you got it right. On my site, Stock Options Cafe, my last post was an illustration of a bullish call spread. In this case, I bought a 50 call, and sold the 60 call. This is a debit order as I was paying money, not collecting a new premium.


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"What does your comment have to do with my comment? You say ""Apple only designs stuff"" as if that has some bearing on their net worth. Right now Apple's stock is worth about as much as *Google and Microsoft combined*, and they're sitting on about 60B in *cash*. They are *extremely* wealthy. They could do absolutely nothing for a very very long time and still stay in business."


The Sears CEO, Eddie Lampert, is an Ayn Rand fanatic. [This is what happens when you take Ayn Rand seriously](https://www.pbs.org/newshour/amp/making-sense/column-this-is-what-happens-when-you-take-ayn-rand-seriously) In 2008, Sears CEO Eddie Lampert decided to restructure the company according to Rand's principles. Lampert broke the company into more than 30 individual units, each with its own management and each measured separately for profit and loss. The idea was to promote competition among the units, which Lampert assumed would lead to higher profits. Instead, this is what happened, as described by Mina Kimes, a reporter for Bloomberg Business: An outspoken advocate of free-market economics and fan of the novelist Ayn Rand, he created the model because he expected the invisible hand of the market to drive better results. If the company's leaders were told to act selfishly, he argued, they would run their divisions in a rational manner, boosting overall performance. Instead, the divisions turned against each other — and Sears and Kmart, the overarching brands, suffered. Interviews with more than 40 former executives, many of whom sat at the highest levels of the company, paint a picture of a business that's ravaged by infighting as its divisions battle over fewer resources. A close-up of the debacle was described by Lynn Stuart Parramore in a Salon article from 2013: It got crazy. Executives started undermining other units because they knew their bonuses were tied to individual unit performance. They began to focus solely on the economic performance of their unit at the expense of the overall Sears brand. One unit, Kenmore, started selling the products of other companies and placed them more prominently than Sears' own products. Units competed for ad space in Sears' circulars…Units were no longer incentivized to make sacrifices, like offering discounts, to get shoppers into the store. Sears became a miserable place to work, rife with infighting and screaming matches. Employees, focused solely on making money in their own unit, ceased to have any loyalty to the company or stake in its survival. We all know the end of the story: Sears share prices fell, and the company appears to be headed toward bankruptcy. The moral of the story, in Parramore's words: What Lampert failed to see is that humans actually have a natural inclination to work for the mutual benefit of an organization. They like to cooperate and collaborate, and they often work more productively when they have shared goals. Take all of that away and you create a company that will destroy itself.


Optimism, the art of seeing the good in most things and expecting good things in the future, will help you in your real estate agent career. While knowledge, experience and social skills are all very important parts of the agent's profession, optimism is something that builds confidence in yourself etc.


"Nothing ""happens"" to it. It works the same way regardless of whether you are a U.S. citizen or resident or not. Taxes and penalties work the same way on withdrawal. That said, if you are not in the U.S. and don't have any income in the U.S. in a particular year in the future, you can take advantage of the fact that your U.S. tax that year will probably be zero. Then, if you withdraw a little bit, even if they count as taxable income, your U.S. income will still be so low that it may be under your personal exemption, or if not at least it will be taxed in the lowest tax bracket."


In the United States Short-term capital gains are taxed at rates similar to regular income which is 25% if you make less than $91,000 and 28% if you make more than that but less than $190,000. If you make more than $190,000 then the rate is 33%. If you hold the stock for a year or more than the tax rate is 15%, unless your income is less than $33,000 in which case there is no tax on long-term gains. As a general rule, the way to make money is to stay out of debt, so I cannot advise you to assume a mortgage. Financially you are better off investing your money. Much like you I bought a house with a mortgage using about $30,000 in a down payment about 20 years ago and I paid it off a few years ago. If I had to do it over again, I would have bought a shack (a steel building) for $30,000 and lived in that and invested my income. If I had done that, I would be about $500,000 richer today than I am now.


"I'd start by asking yourself why you need a business plan. Is it for you, or for raising funds? If it's for you, I'd distinguish between ""writing a business plan"" and ""business planning."" Not the same thing - there are much more time-efficient ways to do the latter, such as Business Model Generation and Customer Development. If you're fund-raising, the content of your plan will depend on if you're seeking investment or bank loans. Being clear about the purpose of your plan, and the stage of your business, will help people better answer your question."


if the deposit earned interest, you could be liable for taxes on the interest earned. If it ended up in a checking account, then you will not be liable for any taxes since checking accounts do not earn interest anyway. Your bank may inquire about where these transfers are coming from and question the legality of it.


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It’s more convenient for both you and the bank; its much simpler to handle things electronically than it is to go through paperwork. Also, its eco-friendly and by saying that they care about the environment, banks earn brownie points with environmentally-conscious customers.


I think we're talking across each other. I'm saying the behavior justifies an investigation. You're saying there's no evidence of collusion. Fine, we're both right. I'm glad the special prosecutor is gathering more facts. One more piece of data.... https://www.google.com/amp/amp.nationalreview.com/article/449376/donald-trump-jr-e-mails-proof-trump-campaign-attempted-collusion-russia These guys do say that oppo research is not a contribution (which you also stated). I still don't buy it.


As I have told you, again and again and again, the government is actively enabling the wealthy with anti-competitive policies. I literally spelled it out for you in my previous comment. The wealthy get wealthier through cronyism. Look at Amazon. Besos is quickly becoming the wealthiest man in the world, if he isn't already. How'd he get there, you might ask? https://www.postaltimes.com/postalnews/why-the-post-office-gives-amazon-special-delivery/ This is not gonna get solved by giving the government more power. We've given the government so much power already and its only gotten worse!


I'm the equivalent of the FED at ROBLOX. I run a virtual economy there worth millions of dollars. Even though we are in the business of printing our own money, we've seen much more stability in our currency than in the USD. It actually appreciates over time. I don't think it would make a good investment though, nor would any of the online virtual currencies that I am aware of.


A trillion dollars just to have not solve anything up to this point and to send our nation into an opiate epidemic due to the insane increase in the amount of poppy fields in Afghanistan (something that was outlawed under even the Taliban) because they refuse to let them grow cotton due to the fact it would compete with US grown cotton.


You should check with your broker. I asked my broker a similar question just 2 weeks ago. With their market orders they will be filled within 3 points from the current market bid/ask. If there is any remaining it will be placed as a limit order at 3 points away from the bid/ask price. For example, if the current ask is 100 @ $1.00 followed by 500 @ $1.01, 300 @ $1.02 and 100 @ $1.03; if you were to place a buy market order for 1000 shares you would get 100 filled at $1.00, 500 filled at $1.01, 300 filled at $1.02 and 100 filled at $1.03. If, on the other hand, you were to place a buy market order for 2000 shares you would get 100 filled at $1.00, 500 filled at $1.01, 300 filled at $1.02 and 100 filled at $1.03, with the remaining 1000 of your order being placed as a limit order at $1.03. Again, check with your broker, as they may be different in how they treat their market orders.


I didn't mean to imply that the perceived value of a company on the stock market somehow proved that the companies had not lost capital or value. But it sure is a clear datapoint to juxtapose against all of the other hard facts in play. Often, the stock market isn't wrong... even if it may lag. If these companies have all this loss, is that baked into the current price? But again I was just merely grasping for the details from the plethora of sources given. I surely missed the real meat of the data.


Yeah, I am Canadian and my professor is a big believer in Warren Buffet style valuation. Both of these probably play into his love for the CBV as well as having a couple former students who have it. I think I will start with the CFA and get the CBV if I think it is necessary. I have already started to study for the CFA, I downloaded the schweser notes. Hoping to take it in June after I graduate.


> Darling, if you are not a fan of Hillary (and the current DNC?), than why are you against Trump, who is not even career GOP politician? I have already addressed this stupid idea that someone HAS to like one or the other. Literally the post you just replied to. Both can be (and are) terrible. If you go back and actually read the words I've said in this thread, I've cited numerous things that prove that Trump has no idea what he's doing. If you weren't so busy covering your ears and pretending that you haven't already been proven wrong in this very thread, maybe you wouldn't have missed it. Since you obviously have trouble with your reading comprehension, I won't repeat them again, as to not confuse you. Just scroll up.


It's perfectly consistent with capitalism. Through the process of the market, not every resource is used most productively, ie there is always going to be waste somewhere in some form, but the goal of maximum productivity is still what is practically desired by entrepreneurs. I only brought up the govt job example to show an instance of unproductive work versus productive work, not to relate anything to government funded employment per se.


"If you are a permanent resident (and it wasn't taken away or abandoned), then you are a resident alien for U.S. tax purposes. (One of the two tests for being a resident alien is the ""green card test"".) Being a resident alien means all your worldwide income is subject to U.S. taxes, regardless of where you live or work. That doesn't necessarily mean you need to actually pay taxes on your income again if you've already paid it -- you may be able to use the Foreign Tax Credit to reduce your taxes by the amount already paid to a foreign government -- but you need to report it on U.S. tax forms just like income from the U.S., and you can then apply any tax credits that you may qualify for. As a resident alien, you file taxes using Form 1040. You are required to file taxes if your income for a particular year is above a certain threshold. This threshold is described in the first few pages of the 1040 instructions for each year. For 2013, for Single filing status under 65, it is $10000. The only way you can legally not file is if your income the whole year was below this amount. You should go back and file taxes if you were required to but failed to. Having filed taxes when required is very important if you want to naturalize later on. It is also one component of demonstrating you're maintaining residency in the U.S., which you're required to do as a permanent resident being outside the U.S. for a long time, or else you'll lose your permanent residency. (Even filing taxes might not be enough, as your description of your presence in the U.S. shows you only go there for brief periods each year, not really living there. You're lucky you haven't lost your green card already; any time you go there you run a great risk of them noticing and taking it away.)"


There is no simple, legally reasonable, way for her to build equity by helping out with your mortgage, without her having a claim to your mortgage. The only 'equitable' thing she can do is rent from you. If you want her to be building equity, have her start and fund a brokerage account for herself. If you have an affinity for real estate, have her buy REITs in said investment account.


You can open Savings Bank Account with some Banks that offer better interest rate. Note there would be restriction on number of withdrawals in quarter. There are better interest rates if you lock in for 90+ days. The other option to explore is to open a Demat / Brokrage account and invest in liquid funds. Note depending on various factors it may or may not suite your requirements.


What makes you think corporations don't have to pay sales taxes or property taxes (or excise taxes, or environmental impact fees or fuel taxes or any of a million other taxes that we all end up paying) even if they lose money that year?


If WMT actually acts on this threat, WMT could be screwed. AMZ has an opportunity here and one they will likely jump on. Pay the truckers some % more to side with AMZ over WMT or hell, give them a multi-year deal - AMZ can eat that expense if it means hurting WMT. End result is WMT has delayed/late/expensive shipments and this hurts their bottom line even more. These are dangerous tactics for sure.


Your credit score is definitely affected by the age of your credit accounts, so if you frequently close one card and open another new one, you're adversely affecting the overall average age of accounts. This is something to consider and whether it is worth what you're trying to achieve. Sometimes, if you're a good customer and are insistent enough, you can simply call your credit card company and use the threat of closing your account in favor of another card that offers something attractive to get your current bank to sweeten its incentives to keep your business. I know many people who've done this with real success, and they spare themselves the hassle of obtaining a new card and suffering the short term consequences on their credit report. This might be an avenue worth trying before you just close the account and move on. I hope this helps. Good luck!


"I've watched a few of their series - House of Cards, Glow, and The Man in the High Castle. So I see where they're going with it. I do want to stress that I was here to respond to the OP's contention that Netflix was there to blow out ""regular competitors"" then ""jack prices"". I didn't see it that way."


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no that's not what i'm saying. I've been making the reports, running the stress tests and Movar for the past 2 risk managers. I have a BS in Economics and Business Administration so i'm not really a hard core finance guy. like our first RM was one of the people in the 70s that basically created futures for oil. our last guy was a french dude from EDF. I just feel that i lack their experience and i really don't wanna fuck up so im asking people with more experience perhaps to point the way for me. books, programs, classes etc. Also i think you mistaken my comment about having no idea was on the Crystal Ball sofware. Im mainly a VBA and SQL guy, but i guess to run monte carlo sims i need to learn crystal ball


I'm on my phone so this may of been a response but what you're taking about is paying the studios that produce content directly, cutting out the middle man aka cable service. They're doing everything they can to prevent including lobbying for internet / intellectual-property restricting legislature world wide


This does not make any sense to me. These things are our food. We raise them simply to slaughter them and eat them, yet for some reason, we should be nice to them? It makes no sense at all. Who cares if they are kicked, beaten, degraded, humiliated? They are our food.


> seems determined to blow up the deficit, just has the last Republican president did. And the Republican before that. It's the only sensible thing the Republicans do. Deficit spending is stimulus, and that increases the prosperity of the public. They do it to try and provide cover for allowing the wealthy to gut our economy. What we need is to embrace stimulus wholeheartedly and then shift the entirety of the tax burden onto the wealthy.


Short answer: the CD can be considered as part of the down payment calculations. they will want a plan to cash them in the last days or weeks before settlement. When approving you for a mortgage they will be looking at: They now know what you can afford to dedicate to this new property every month. They take into account principal, interest, taxes, insurance and the HOA fee. They will then look at how much money you will use as a down payment. They want this money to exist before applying, and they will check on its existence in the last days before settlement. The best is cash sitting in a bank. But it can also be money in savings bonds, or a CD, but they will want a plan for cashing that in just before settlement. They won't be comfortable with it being in a volatile account such as stocks especially if the current balance is exactly what you need for a mortgage that won't be closed for 3 more months. Because people use money they borrow from their 401K for a home purchase, it is possible to use money from volatile account. They will want to see a plan for getting money from these accounts just before settlement.


You can have a new ISA every financial year. As long as you don't take out any other ISA in the financial year that starts next week, you can use a help-to-buy ISA as your ISA for 2015/16. Existing ISAs taken out in earlier financial years will have no effect on that.


Traditionally options expired on the 3rd Wednesday of the months of Mar, Jun, Sep, Dec as this day was never a holiday. See IMM dates. However as option use exploded there were monthly and weekly options created on different schedules. The exchange will specify when its options expire in the contract.


"we can then start taking penalty free withdrawals from it? There's no ""we"" in IRA. There's ""I"". That stands for ""Individual"". So your wife's age has no influence whatsoever on your ability to make qualified distributions from your IRA. The reason courts order distributions from IRAs is due to the community property laws of various States or other considerations that make spouses entitled to the amounts in the IRAs. However, you're talking about family law here, not tax law. For Federal tax purposes, a distribution ordered by the court doesn't trigger penalty (but is taxable), but any other distribution has to follow the regular qualification criteria."


It definitely does. Part of the misinformation the GMO PR puts out is that there's a difference without specifying they are both non-GMO. Organic is non-GMO. The difference is that organic goes a step further and removes synthetic pesticides, fertilizers, and growth hormones (which is a problem for meats and dairy) in addition to GMOs.


Call centre solution providers will efficiently serve customers, while keeping overheads low. They can efficiently manage not just the regular inbound calls, but also make the outbound calls to promote your products and services which further lead your trade to the path of success.


It amazes me how supposedly literate people just don't think about the wider context of what they are writing. I mean they're trying to sell this aspirational bullshit with absolutely zero critical understanding of where wealth comes from and why.


"Finding the ""optimal"" solution (and even defining what optimal is) would probably take a lot of searching of all the possible combinations of stocks you could buy, given that you can't buy fractional shares. But I'd guess that a simple ""greedy"" algorithm should get you close enough. For any given portfolio state, look at which stock is furthest below the target size - e.g. in your example, S3 is 3.5% away whereas S1 is only 3.1% away and S2 is over-sized. Then decided to buy one stock of S3, recalculate the current proportions, and repeat until you can't buy more stocks because you've invested all the money. If you have to pay a transaction fee for each kind of stock you purchase you might want to calculate this in larger lot sizes or just avoid making really small purchases."


No no, not at all. I'm saying that Bezos, as head of Amazon, should work to improve workers conditions using his influence as founder / chairman / CEO of Amazon. Which is a longer winded way of saying *Amazon* should improve workers conditions. I think it's great that he's looking to give some of his money away to charity. I think it's rather hypocritical to do that whilst being accused of low employee welfare conditions mind you, but it's certainly better than nothing! If I'm still not coming across correctly, let me slip into hyperbole and extremes. Let's say a Victorian factory owner employs children in dangerous and gruelling work, 14 hours a day and they get fired if they are ill. But with the money he makes from the factory, he gives some of it to a children's hospital! I mean, that's great, but hey, what about instituting change at the factory too, if you really care about society? I think that last paragraph detracts from my point actually but I've written it out so I'll leave it there.


There are, of course, many possible financial emergencies. They range from large medical expenses to losing your job to being sued to major home or car repairs to who-knows-what. I suppose some people are in a position where the chances that they will face any sort of financial emergency are remote. If you live in a country with national health insurance and there is near-zero chance that you will have any need to go outside this system, you are living with your parents and they are equipped to handle any home repairs, you ride the bus or subway and don't own a car so that's not an issue, etc etc, maybe there just isn't any likely scenario where you'd suddenly need cash. I can think of all sorts of scenarios that might affect me. I'm trying to put my kids through college, so if I lost my job, even if unemployment benefits were adequate to live on, they wouldn't pay for college. I have terrible health insurance so big medical bills could cost me a lot. I have an old car so it could break down any time and need expensive repairs, or even have to be replaced. I might suddenly be charged with a crime that I didn't commit and need a lawyer to defend me. Etc. So in a very real sense, everyone's situation is different. On the other hand, no matter how carefully you think it out, it's always possible that you will get bitten by something that you didn't think of. By definition, you can't make a list of unforeseen problems that might affect you! So no matter how safe you think you are, it's always good to have some emergency fund, just in case. How much is very hard to say.


If you get somewhat of a discount appraisal you're probably not going to save much money, and given the (probable) size of your investment you might as well pay the extra money. You'll learn something about the market or investment anyway. Maybe it will open you up to some new ideas like trying to flip the property or pulling out some equity to go after more properties.


Thank the gods, you have restored my faith in every profession, everywhere! There is nobility in everything and I will never again refer to my own industry in anything less than a divine manner, even in the most trying of times. </sarcasm> It's Saturday night. I regret checking my messages. I'm goin' out.


You make it seem as if we aren't in the early/mid stages of a credit bubble already. Market is filled to the brim with easy credit. 2 years at the most is where I have it set to start rearing its ugly head.


Not to be an asshole but the fact you are even asking the above tells me any form of financial service may not be for you. How the fuck can you be licensed and not have a basic understanding of what it means? And even further, that rules for doing/not doing are much more determined by individual jobs and firm rules than by some industry exam. You have confirmed my belief that our industry licensing is equivalent to a food handler's card, thank you.


Well the article did mention that if you continually beat your bookmaker you're likely to get rejected in future which is hilarious, but personally I have actually bet on sports and I've found that it's a fairly easy game to win at if you don't go for bets with huge odds and I don't think I've ever placed a bet where after I lost and said 'what the hell just happened'. I only really bet on rugby and soccer though, so team sports may be a bit less prone to corruption from the bookmakers. I'm not saying I think this is a safe way to do business though, I don't think day trading is either. I think they are both speculation. I just think that sports betting has a lot more for a speculator to work with before they develop a strategy. For instance, I always bet on New Zealand winning a rugby game, their players line up as the top in their respective positions and their game strategy essentially has the rules of the game exploited to the maximum. All of the data on this team based on their past performance is actually applicable to their future performance, skilled players usually continue to be so up till a certain age, skilled coaches who stay in their position mean no variation in team strategy. That makes me feel confident that even though New Zealand might lose a game here or there, that they will continue to be winners, and even though the gains on their wins aren't much, consistently winning with them over time builds up to a nice bit of profit. With day trading in the stock market, so much of the variation in prices is due to non accounting fundamentals, and even though historical data can be useful we know that investor sentiment, secret information, and a myriad of other factors mean that unless you are extremely experienced or have a natural eye for reading markets that most traders will lose. I know developing strategies do work for some people, but I think I've seen it said on this sub a couple times that 'trading strategies work - until they don't.' I only speak as a uni student who has limited research beyond Bloomberg articles etc... but from what I can tell, the majority of day traders lose money eventually, and even with AI, the profits are only noteable when the capital input is extremely high. Sports events can't really be swung by the confidence of supporters, and yes corruption is rampant in sports as with every industry, but at least the data you have tells a fairly good story about where the bets will head in the future.


AMZN is the new Wal-Mart for digital age it can make any acquisition it wants to move into new markets. They can hire away all the key people in pharmacy industry with the knowledge and talent. if you think amazon can’t streamline the distribution of medicine your naive.


True, I'm more concerned with the fingerprinting personally. If it ever became a way to identify people or target people. With social media and businesses logging everyones personal information. I'm willing to bet 99.9% of us have all of our info out there somewhere except perhaps ssn's (probably not as high but closer than we think)


"Since this is your emergency fund, you generally want to avoid volatility while keeping pace with inflation. You really shouldn't be looking for aggressive growth (which means taking on some risk). That comes from money outside of the emergency fund. The simplest thing to do would be to shop around for a different savings account. There are some deals out there that are better than ING. Here is a good list. The ""traditional"" places to keep an emergency fund are Money Market Mutual Funds (not to be confused with Money Market Accounts). They are considered extremely safe investments. However, the returns on such a fund is pretty low these days, often lower than a high-yield online savings account. The next step up would be a bond fund (more volatility, slightly better return). Pick something that relies on Government bonds, not ""high-yield"" (junk) bonds or anything crazy like that. Fidelity Four in One comes pretty close to your ""index of indexes"" request, but it isn't the most stable thing. You'd probably do better with a safer investment."


Possible (unlikely) reasons: But usually, yeah, if you can pay cash, you should.


I feel like as millennials rise and become the next round of CEOs they'll already have more core knowledge than what a current traditional CEO has around concepts of technology. To me this is just the natural evolution of the CEO. As far as current CEO's, ya great learn some tech stuff, however it won't really skyrocket them in my opinion (don't get me wrong, if you're CEO of Apple or Google, I'm going to guess you know some tech stuff). However for non-tech industries, if current CEO's want to learn more about tech I think that's great but, most of them still won't get it, they'll just say the normal buzzwords and enough to get by. Then a CTO/CIO will step up. Also one risk here is, you get a CEO who wants to learn tech or gets a wild hair and then they think they know everything and then the backsliding begins, I actually worked at a company that went this direction because a CEO learned about a new product that would replace our backend processing software and wanted everyone to start converting to it, then the CIO had to come in and take reins.


"I took computer science in college so to be fair I can't call myself an engineer... I figured it wouldn't matter, but apparently engineer is a protected term. Which begs the question why 6 out of 7 computer science bachelor degrees in the university here don't officially make you an engineer. What are those web, application, software, systems, math orientated, game, ""general"", and art degrees are good for...? Or does no one know this and everyone is applying to engineer positions and being titled engineer without being one...? But you are correct. They do start at 60k. Funny thing though, I traded starting salary information with 6 different co-graduates. I actually got paid the most. 32-37k starting salary for associate in computer science."


This is a bit complicated because of all the moving parts, but is a little simpler because the two warrants are now publicly traded. The main rule appears to be that your cost should be apportioned into the bases for the pieces you received by the proportions of the prices established in the market on the first day of trading in which they trade separately (source: costbasis.com). Since the A and B GM warrants began trading in March 2011 (at least that's what a quick search shows), use their prices and the GM price on the same day to establish the proportions. You also must include the factor of how much of each piece you received for each of your bonds. So, for example, if the prices of GM, WSA, and WSB, were $32, $23, and $17 on the first day of trading, and you got 3 shares GM, 2 A warrants, and 1 B warrant for your bonds, their worth on first day of separate trading would be: and so the proportion of your bond cost to be allocated to your A warrants, for instance, would be 46/159 or about 28.9% using these example figures. The small dribbles of additional securities you have received already, I would include in the calculation above, and if you in the future receive any further dribbles, I would assign them a basis of $0 (as your full bond cost would have already been completely allocated).


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Given that SpaceX is actually operating for revenue now, it would seem like they don't need to go public just for access to capital. Therefore, it would make sense for it to go public when it is more valuable to someone else than it is to Elon Musk but I don't see him having intentions to sell right now. However, if SpaceX became worth many billions of dollars or if there is a crisis at Tesla requiring Elon to inject capital there, those are the scenarios where I could see him IPOing SpaceX.


"The game is not zero sum. When a friend and I chop down a tree, and build a house from it, the house has value, far greater than the value of a standing tree. Our labor has turned into something of value. In theory, a company starts from an idea, and offers either a good or service to create value. There are scams that make it seem like a Vegas casino. There are times a stock will trade for well above what it should. When I buy the S&P index at a fair price for 1000 (through an etf or fund) and years later it's 1400, the gain isn't out of someone else's pocket, else the amount of wealth in the world would be fixed and that's not the case. Over time, investors lag the market return for multiple reasons, trading costs, bad timing, etc. Statements such as ""90% lose money"" are hyperbole meant to separate you from your money. A self fulfilling prophesy. The question of lagging the market is another story - I have no data to support my observation, but I'd imagine that well over 90% lag the broad market. A detailed explanation is too long for this forum, but simply put, there are trading costs. If I invest in an S&P ETF that costs .1% per year, I'll see a return of say 9.9% over decades if the market return is 10%. Over 40 years, this is 4364% compounded, vs the index 4526% compounded, a difference of less than 4% in final wealth. There are load funds that charge more than this just to buy in (5% anyone?). Lagging by a small fraction is a far cry from 'losing money.' There is an annual report by a company named Dalbar that tracks investor performance. For the 20 year period ending 12/31/10 the S&P returned 9.14% and Dalbar calculates the average investor had an average return of 3.83%. Pretty bad, but not zero. Since you don't cite a particular article or source, there may be more to the story. Day traders are likely to lose. As are a series of other types of traders in other markets, Forex for one. While your question may be interesting, its premise of ""many experts say...."" without naming even one leaves room for doubt. Note - I've updated the link for the 2015 report. And 4 years later, I see that when searching on that 90% statistic, the articles are about day traders. That actually makes sense to me."


">This has prompted some economists to declare that the business cycle has become less severe. ""Some economists"" like [Dr. Krugman](http://mises.org/daily/6055/Charting-Fun-with-Krugman), whose evidence to this effect demonstrated the exact opposite (specifically that the current/just past recession was nearly twice as bad, by his own standards mind you, as the worst pre-fed recession)?"


Dividend yield is a tough thing to track because it's a moving target. Dividends are paid periodically the yield is calculated based on the stock price when the dividend is declared (usually, though some services may update this more frequently). I like to calculate my own dividend by annualizing the dividend payment divided by my cost basis per share. As an example, say you have shares in X, Co. X issues a quarterly dividend of $1 per share and the share price is $100; coincidentally this is the price at which you purchased your shares. But a few years goes by and now X issues it's quarterly dividend of $1.50 per share, and the share price is $160. However your shares only cost you $100. Your annual yield on X is 6%, not the published 3.75%. All of this is to say that looking back on dividend yields is somewhat similar to nailing jello to the wall. Do you look at actual dividends paid through the year divided by share price? Do you look at the annualized dividend at the time of issue then average those? The stock price will fluctuate, that will change the yield; depending on where you bought your stock, your actual yield will vary from the published amount as well.


The easiest and cheapest way I can think of is the online bill pay service that most banks use. It's free for both of you; regardless of what the bank has to go through to get the payment to its destination, they generally eat the costs. You can use this to pay anyone from your rent to your electric company to your cousin Vinnie. However, I do not think that a business checking account has this feature. Instead, most corporate cash accounts typically have an ACH service attached to them, where for some small, fixed fee like 25 to 50 cents per transaction, they will accept transfer requests in an ACH format. This is how your electric company does auto-debit (if you let them), and how banks do online bill pay to most corporate payees; they, and their bank account numbers, would be verified by and kept on file with each bank that moved a substantial volume of money to this payee.


"Your thinking is unfortunately incorrect; an amortising loan (as opposed to interest only loans) pay down, or amortise, the principal with each payment. This means that the amount that is owed at prepayment will always be less than the total borrowed, and is also why some providers make a charge for prepayment. The ""fairness"" arguments that you make predicated on that misunderstanding are, therefore, incorrect."


"Literally got into an argument with someone from Silicon Valley about this. He was 100% convinced that the entire world revolved around them and that were it not for Silicon Valley there wouldn't be any jobs paying 6 figures in other states because ""Silicon Valley creates all the jobs"""


"Will the proportion of my payments towards interest eventually go down? Yes. Today would be a good day to do a web search for ""amortization schedule"". You will quickly learn how to compute precisely how much of each payment goes to interest and how much goes to principal given different payment choices. Would it be wiser to spend more each month on loan payments? That depends on your goals and resources, which we know nothing about. If you have extra money you could spend it on debt reduction, or you could spend it on an investment that pays more money in growth or dividends than the interest you'd save. Or you could decide that the longer you have that loan, sure, the more interest you'll pay, but inflation will make future money less valuable. Basically, by taking out a loan you have chosen to gamble that the thing you bought with the loaned money will be worth the cost of the interest payments in the future, adjusted for inflation. The bank on the other hand is gambling that you're good for the debt and that they can make a reasonable profit off it. If you have more money to gamble with, which bet is the wisest one is really up to you. would it be smarter to try to pay off one loan before the other? If you want to pay off a loan early then always choose the loan with the higher interest rate. should I start making bi-weekly payments instead of monthly? That's roughly equivalent to paying off the principal by one additional payment a year. There are two reasons to do so. The first is that the total interest will be lower and the loan will be paid off faster. You can work out exactly how much with your new found skill at amortization computation. The second is the simple convenience of knowing that your budget for each pay period is the same. That convenience is worth something; is it worth the amount extra you'll be paying every year? Again, this is for you to decide. Work out how much extra you're paying per year and how much you're saving in the long run, and compare that against the benefit."


"On the off-chance someone reading this is not aware, The Onion is a satirical newspaper. While I wouldn't bet *against* the headline being true to some degree (""GS sucks amirite"", and all that), the point is humour rather than accurate reporting."


"I agree. The question I want to know is, how will this effect Tesla and their bottom line? Does the market see that view point ""save the planet"" as one that will lead to sustainability and profit? So far it seems like yes. Everything is under the scope and being dissected for future projections. Edit: a word"


There is a price mechanism, your monthly bill is based on your Mbps, and you can choose if you want faster speed, and pay for it. This pricing mechanism will limit bandwidth use because as bandwidth gets more strained the price will go up. Net neutrality is about treating all data going through those pipes equally, so that the virtual market is not monopolized by the few large companies that can pay for accessing customers.


"This sounds exactly like being an assistant professor. 1) Deal with nebulous and arbitrary funding agencies (""One ""good"" rating means you don't get funded!"") 2) Force your grad students to work long hours on very tenuous projects 3) Still might not get tenure depending on whims of your colleagues and administration, no matter how productive you are"


"Not a bond holder, but when we get dividends we usually just buy up a benchmark index tracking ETF unless/until we're ready to rebalance our portfolio. Most of the trades in the day are earmarked with the reason ""spending cash"". I'd assume it's similar for bond holders and coupons."


Most of that money goes into regulations of and subsidies for the healthcare market which is the reason for the insanely high market prices; they basically suffocated every last bit of competition. 'Welcome to society' isn't exactly a fitting expression... taxation is justified as long as everyone pays equal rates in exchange for an equal withdrawal of benefits. Everyone profits equally from courts and police. Which is not the case for mandatory public health insurance: you force a minority at gunpoint to pay confiscatory tax rates (that's the only way you will be able to fund it) in order to finance a service they don't profit from at all. It's the exploitation of a minority and nothing else. Same goes for every form of forced redistribution of wealth.


Wealth is not what you earn, nor is it what you spend. It's the difference between those two.


I wouldn't buy a house at this time. Your credit card debt is the most expensive thing you have. Which is to say that you want to get rid of it as soon as possible. The lawyer isn't cheap, and your personal situation is not fully resolved. Congratulations on paying off the IRS, and getting up the 401k to 17.5k. Take care of the two things in paragraph 1, first,and then think about buying a house. You're doing too much good work to have it possibly be derailed by home payments.


It depends what you mean by financial knowledge. Often you will work in a group focused on some aspect of the company's business. As an example, I work for a company and my group works on econometric models. Although I have a degree in finance, I don't encounter or talk about corporate or personal finance. I do talk about investing with a friend, but in general, our group is focused on one aspect of finance and economics for the company. From another direction, often financial companies will offer financial literacy training through HR and benefits programs where you can improve your knowledge of finance outside of your groups focus. In the end, you will learn the most by persuing new knowledge through reading on current financial literature. I hope this helps. Edit: If you add some specifics to what you would like to learn about I may be able to point you in the right direction.


> by not trying to spend more than you have. Or, someone poor was making a calculated risk. I'll pay these bills on day 1, then this bigger bill on day two and it will over draft by $15, but I will avoid a $50 late fee on my rent. The bank then slows the transactions and maximizes their profit by what would be considered unethical behavior. Most people have almost no savings, less than $1000 in the bank, and high debt.


This would effectively be currency speculation, betting that the Pound will be stronger vs. the Euro in November (or whenever) than it is today. This would be a profitable transaction if the exchange fees are less than the swing between the two. In my (very limited) experience, exchange fees are going to be at least a few percent, and she's going to have to do the exchange twice if she wants to turn current Euros into Pounds and back into Euros later; that's at least a 6% hit. I'd recommend against this. While it's quite plausible for the two currencies to move more than 6% against each other in that time, it's also quite possible for them to move the other way, causing her a large loss. The unfortunate thing about large, heavily traded things like GBP/EUR is that you're very unlikely to have some information that the big traders don't. While lots of people think that the pound is going to become stronger, just as many people think that the Euro is going to be stronger. These two camps are constantly bidding against each other, resulting in the 1.15 Pounds/Euro exchange rate as of this writing. The current price and current direction that the line is moving in no way tells you what it's going to do next.


Ok buddy. Apparently you're ok with how minimum wage laws put black people out of work. The data is clear and indisputable, Mises Institute or not. They just happened to be the first link that came up in Google, I don't read them at all.


"When people talk about ""the price"" of a stock, they usually mean one of the following: Last price: The price at which a trade most recently took place. If someone sold (and someone else bought) shares of XYZ for $20 each, then until another trade occurs, the last price of the stock will be quoted at $20. Bid price: The highest price at which someone is currently offering to buy the stock. Ask price: The lowest price at which someone is currently offering to sell the stock. As you can see, all of these are completely determined by the people buying and selling the stock."


"They pretty much already have what you are looking for. They are called Unit Investment Trusts. The key behind these is (a) the trust starts out with a fixed pool of securities. It is completely unmanaged and there is no buying or selling of the securities, (b) they terminate after a fixed period of time, at which time all assets are distributed among the owners. According to Investment Company Institute, ""securities in a UIT are professionally selected to meet a stated investment objective, such as growth, income, or capital appreciation."" UITs sell a fixed number of units at one-time public offering. Securities in a UIT do not trade actively, rather, UITs use a strategy known as buy-and-hold. The UIT purchases a certain amount of securities and holds them until its termination date. Holdings rarely change throughout the life of the trust so unit holders know exactly what they're investing in, and the trust lists all securities in its prospectus. Unit trusts normally sell redeemable units - this obligates the trust to re-purchase investor's units at their net asset value at the investors request."


"Perhaps just an ambiguity rather than a contradiction - You said, ""at the end of the day, fiat currencies are based on trust and accountability of the government"". You then later said ""I'm not conflating trust of the issuer with trust of the ""bank"". I don't trust either."" The problem there is that, on the Bitcoin side of the fence, there's no one there *to* trust. **You** can be the bank. You can also be the issuer, with enough computing horsepower. Do you, then, not trust *yourself*? Or, did I take that entirely wrong and you meant that directed toward the fiat side of things, and don't trust that Trump won't get us into a currency war with China (or his successor finally authorize that trillion dollar platinum coin to circumvent the debt ceiling - I don't mean that to be at all partisan)?"


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"It's also not really anything new. For a several decades, a huge percentage of the population has been essentially living paycheck-to-paycheck, and with essentially zero cash savings to cover emergencies. It's possible that it is slightly worse now in the sense that -- with the pervasive use of credit & debit cards, etc -- few people deal in cash or change very often ... and so they don't even have the old proverbial ""piggy banks"" (or jars/bottles filled with end-of-day pocket-change) that they can raid for $50 or $100. *Oh, and THAT really has nothing to do with ""bubbles"".* --- EDIT: Plus another thought... just the other day there was an article crowing about how Millennials are ""saving for retirement"" in higher amounts and at earlier ages than prior generations -- if that is true, then a likely corollary would be that they are NOT engaged in plain old ""savings"" at the same rate -- i.e. what money they are ""stashing away"" is all heading to Wall Street, and is difficult to access in an emergency (and if they did access 401k savings, it would likely be as a ""loan"" -- rather than paying the early-withdrawal penalties & taxes)."


Because we need energy in the form of oil. If more of our money is spent on oil, there is less money to spend on other items especially luxuries like dining out and new cars (ironically) Since there is less money available, the price of other things shift with it and the whole economy moves. Since less money is available, the value of a single dollar goes up. Basically, it is because we as a species (let alone nations) are unbelievably dependent on having oil at this point in our existence. How do currency markets work? What factors are behind why currencies go up or down?


There are a few ways to look at this question. Assumptions. Per the original post's assumptions, this answer: In other words, if the owner paid the mortgage on its original schedule, the deal could boil down to a $ 40,000 up-front payment, in exchange for $ 200,000 of equity after 30 years. Or the deal could boil down to a $ 40,000 up-front payment, in exchange for a $ 810.70 monthly payment starting in 30 years. While the owner is paying down the mortgage, the return on equity is the principal payment divided by the equity. The principal payment is the net rent minus non-financing costs and interest, so it is actually a profit. The initial return on equity is 6.321 % APR, or 6.507 % APY. This is calculated by dividing the $ 210.70 monthly principal payment by the initial $ 40,000 equity, and converting from monthly return to annual return. After 30 years, the return on equity is 4.864 % APR, or 4.974 % APY. This is calculated by dividing the $ 810.70 monthly cash flow (which is no longer reduced by mortgage payments) by the $ 200,000 equity after 30 years, and converting from monthly return to annual return. The cap rate is the same as the return on equity in the absence of debt. In this example, 4.864 % APR, or 4.974 % APY. The return on equity declines from 6.507 % APY initially to 4.974 % APY after 30 years. This is because the cap rate exceeds the note rate (4.974 % APY vs. 4.594 % APY), and the leverage decreases from 5x to 1x. The weighted average compound annual growth rate of the equity during the 30 years is 5.511 % APY. Per the original poster's answer, this is computed by taking the 30th root of the 5-fold increase in equity. Because the owner made no extra principal payments (besides those already discussed), the relevant amounts are the initial $ 40,000 owner payment and the final $ 200,000 owner equity. 5.511 % APY corresponds to a 5.377 % APR. The internal rate of return if the owner never sells can be computed by treating the deal as a $ 40,000 up-front payment, in exchange for an $ 810.70 monthly payment starting in 30 years. The internal rate of return (IRR) is not a very useful number, because it assumes that you can somehow reinvest the eventual dividends at the same rate. In this example, the IRR is 5.172 % APR, or 5.296 % APY. In this example, the IRR is calculated by (iteratively) finding an interest rate for which (initial investment) * (1 + IRR) ^ (number periods before dividends start) = (periodic dividend) / (IRR - growth rate of dividend). For example: $ 40,000 * (1.004309687)^360 = $ 810.70 / (0.004309687 - 0) = $ 188,111 I then converted the 0.431 % monthly IRR to an annual IRR. The deal can be thought of as a return on equity, plus a return on paying down the mortgage. When computing the return from paying down the mortgage, the initial equity is irrelevant. It does not matter whether you start with a $ 160,000 mortgage on a $ 160,000 property, a $ 160,000 mortgage on a $ 200,000 property, or a $ 160,000 mortgage on a $ 1,000,000 property. All that matters is the note rate on the mortgage, which is the applicable compound interest rate. The return on paying down the mortgage equals the note rate of the mortgage. For a 4.5% note rate, this works out to a 4.594% annual percentage yield (APY). You can confirm this by looking at your amortization schedule. Suppose you have a $ 160,000 mortgage with a fixed 4.5% APR note rate for 360 months. Your monthly payment is $ 810.70. In the first month, $ 600 goes toward interest, and $ 210.70 reduces the principal. In other words, the $ 210.70 principal payment eliminated the need for a $ 810.70 payment 30 years later. Notice that: . $ 210.70 * (1 + 0.045 / 12)^360 = $ 210.70 * (1.00375)^360 = $ 210.70 * 3.8477 = $ 810.71 which is within rounding error of $ 810.70. The interest rate is 3/8 % per month, which is an APR of 4.5%, and an APY of 4.594 %.


Yes, you can deduct from your taxable profits (almost) any expenses incurred in the course of your business. See here for HMRC's detailed advice on the subject. The fact that you have salaried PAYE employment as well makes no difference.


"They just need to overcome the perception hurdle. A good marketing team can help with the ""you're paying for convenience of it being *there* now"" thing. Or maybe a good marketing team can't, as their old (Circuit City era) marketing team wasn't all that bad. Other big box stores haven't figured that hurdle out yet, either."


Good addition. When learning finance and business, /u/msattam, realize the world does not work cleanly like it does in a textbook. You have added complexity, both systemic and human caused. And that there is a very good reason that we must understand agency issues and how to mitigate those risks.


This is exactly how monopolies are made. Allowing a business to use one extremely profitable business to undercut competitors in other areas (at below cost mind you). This should be illegal practice. Google should be hit hard. While I understand your stance, I don't believe it is creating an equal playing field in the economy and it is hurting it badly. For example, no startup out there is going to create an online maps startup (even if they have an awesome idea that would make maps better) because they don't have the ability to monetize and survive. Google gives their's away free using their near-monopoly on online advertising to subsidize it. You talk about the only exit for a startup being acquired by a larger company. That is EXACTLY the problem. You're creating unbeatable ecosystems. Google/MSFT/Apple/FB will only grow...startups will only have 10-20 companies to exit to. They should be able to survive and grow and compete on their own. Groupon was a company that tried to do that and you can see how they're doing. The tech world is turning into that very oligopoly that you try to caveat. People just don't realize it. We should break the stranglehold. If people paid for services, then their would be more entrants into the market as they could monetize quicker and the best ideas would win vs. the best connections to VCs and having an entrepreneurial track history which is how the bay area works. Startups wouldn't be SO DEPENDENT on financiers...they could monetize their actual client base.


"As mentioned before - you're over-thinking the hard-pull issue. But do try to make the preapproval as close to the actual bidding as possible - because it costs money. At least from my experience, you'll get charged the application fee for preapproval, while ""pre-qualification"" is usually free. If you're seriously shopping, I find it hard to believe that you can't find a house within 3 months. If you're already in the process and your offer has been accepted and you opened the escrow - I believe the preapproval will be extended if it expires before closing. I've just had a similar case from the other side, as a buyer, and the seller had a short-sale approval that expired before closing. It was extended to make the deal happen, and that's when the bank is actually loosing money. So don't worry about that. If you haven't even started the process and the preapproval expired, you might have to start it all over again from scratch, including all the fees. The credit score is a minor issue (unless you do it every 2-3 months)."


I find the responses funny. If they would have just read your about page it would have answered 90% of their bs generalizations. edit: they say there is no such thing as bad publicity. Controversy is a good thing in my opinion.


"The thing is that Trump proved he's not an idiot and he does a great job, for his empire before the election, and now for America after the elections. Hillary is just ""wife of"" and the DNC is corrupt and after globalists agenda which is anti-American. Any questions?"


I am - The economy is influenced by the debt and government manipulation in the short term, which is going to drive employment (or lack thereof). In the slightly longer term, a financial collapse followed by an economic collapse and depression are going to mean very high unemployment for a very long time. What we've got now is only bad compared to what we've been used to for the last few decades. In a depression where government aid is unavailable because the government is the cause of it, things will be considerably worse.


"There are several tactics you might employ to help the situation. You have two options, one is to increase your income, the other is to reduce your expenditure. Paying off debt will also help but that may not apply to you. Most people find it easier to reduce expenditure, so I will explain that first of all. Then make sure you track your actual expenditure agains the budget, check it daily and make sure it is accurate, if you spend some money you didn't budget for then mark that down and make sure you budget for it going forward. Most people are surprised at how much they are actually spending, especially on trivial things like coffee, lunch at work etc. You will then find you can start to reduce this expenditure, maybe by bringing lunch to work, skipping coffee every other day etc. By doing a budget you can reduce your expenditure and hopefully have some money left over to save - put a line in your budget marked savings (ideally on the day you get paid so you don't spend it)! If you ned to save $x by Y date then work out how much that works out in a month and put that into your budget, if you haven't got enough spare to do that then onto stage 2 With regards to increasing income, the obvious way is to do some overtime at work - can you do that? Alternatively you can get a part-time job, maybe a hobby that pays money? I personally enjoy building web-sites as a hobby and I get about $20 a month from advertising on those, it's not much but it adds up over time. Finally how to actually save, what methods are there? Lots of options here, personally I buy shares with my savings, making sure I pick stocks that are currently cheap - this is quite risky and may not suit you but it works for me as I don't sell the shares until I actually need the money. Other options are regular savings accounts that pay a bonus after you've had the money in for (usually) 12 months etc. They tend to pay a bonus at the end so you are incentivised to not touch your cash but you can get it out if you really need it. You can also work out how much ""spare"" cash you have monthly and then give yourself an ""allowance"" each month that you can spend on impulse items, but make sure you stick to that. Good luck!"


The sense of entitlement absolutely horrors me. Suck it up, do whatever work they need you to do for the time being. You're an intern. AND you're getting paid. Believe you me, there are a million others that would kill for a position like that and are in much worse circumstances. Don't take it for granted.


I think is an excellent idea. Use free money or almost free to do a lump sump payment. My recommendation is to have a reminder to pay credit card before, almost finishing, the 0% APR period.


">Because selling gold and buying dollars has an effect on the market: it reduces the value of gold, and increases the value of dollars. Ah, but with all the business you'd do in gold, you'd constantly be increasing the value of gold. Think of it! I'm pretty sure that most people want to be paid in dollars not simply because of the fact that their taxes have to be paid in it, but because of it's universality. Not everyone has a use for a sack of barley, or a fish, or some gold dust. But you can buy whatever you want with an amount of dollars. >As the value of gold increases over time, the government taxes the increased value as ""capital gains tax"". It's only taxed at a 15.5% rate, IIRC. You'd probably come out ahead."


"It's easy for me to look at an IRA, no deposits or withdrawal in a year, and compare the return to some index. Once you start adding transactions, not so easy. Here's a method that answers your goal as closely as I can offer: SPY goes back to 1993. It's the most quoted EFT that replicates the S&P 500, and you specifically asked to compare how the investment would have gone if you were in such a fund. This is an important distinction, as I don't have to adjust for its .09% expense, as you would have been subject to it in this fund. Simply go to Yahoo, and start with the historical prices. Easy to do this on a spreadsheet. I'll assume you can find all your purchases inc dates & dollars invested. Look these up and treat those dollars as purchases of SPY. Once the list is done, go back and look up the dividends, issues quarterly, and on the dividend date, add the shares it would purchase based on that day's price. Of course, any withdrawals get accounted for the same way, take out the number of SPY shares it would have bought. Remember to include the commission on SPY, whatever your broker charges. If I've missed something, I'm sure we'll see someone point that out, I'd be happy to edit that in, to make this wiki-worthy. Edit - due to the nature of comments and the inability to edit, I'm adding this here. Perhaps I'm reading the question too pedantically, perhaps not. I'm reading it as ""if instead of doing whatever I did, I invested in an S&P index fund, how would I have performed?"" To measure one's return against a benchmark, the mechanics of the benchmarks calculation are not needed. In a comment I offer an example - if there were an ETF based on some type of black-box investing for which the investments were not disclosed at all, only day's end pricing, my answer above still applies exactly. The validity of such comparisons is a different question, but the fact that the formulation of the EFT doesn't come into play remains. In my comment below which I removed I hypothesized an ETF name, not intending it to come off as sarcastic. For the record, if one wishes to start JoesETF, I'm ok with it."


It is illegal. Coverage has a lot of minimum requirements. What has really hurt Obamacare is that it groups those that were formerly uninsured, with those that don't have employer insurance. It turns out those that were previously uninsured (often very poor) are very expensive to insure. So that has forced up premiums on everyone else. The link of health insurance to employment in the US is to blame. The sooner everyone is forced to buy their own insurance, and then preferably the government offers medicare buy in for all, the sooner the system can be cleaned up.


"Never forget that student lenders and their collection agencies are dangerous and clever predators, and you, the student borrower, are their legal prey. They look at you and think, ""food."" My friend said she never pays her student loans and nothing has happened. She's wrong. Something has happened. She just doesn't know about it yet. Each unpaid bill, with penalties, has been added to the balance of her loan. Now she owes that money also. And she owes interest on it. That balance is probably building up very fast indeed. She's playing right into the hands of her student lender. They are smiling about this. When the balance gets large enough to make it worthwhile, her student lender will retain an aggressive collection agency to recover the entire balance. The agency will come after her in court, and they are likely to win. If your friend lives in the US, she'll discover that she can't declare bankruptcy to escape this. She has the bankruptcy ""reform"" act of 2006, passed during the Bush 43 regime, to thank for this. A court judgement against her will make it harder for her to find a job and even a spouse. I'm not saying this is right or just. I believe it is wrong and unjust to make university graduates into debt slaves. But it is true. As for being paid under the table, I hope your friend intends on dying rather than retiring when she no longer can work due to age. If she's paid under the table she will not be eligible for social security payments. You need sixteen calendar quarters of social security credit to be eligible for payments. I know somebody like this. It's a hell of a way to live, especially on weekends when the local church feeding programs don't operate. Paying people under the table ought to be a felony for the business owner."


"Someone who buys a stock is fundamentally buying a share of all future dividends, plus the future liquidation value of the company in the event that it is liquidated. While some investors may buy stocks in the hope that they will be able to find other people willing to pay more for the stock than they did, that's a zero sum game. The only way investors can make money in the aggregate is if either stocks pay dividends or if the money paid for company assets at liquidation exceeds total net price for which the company sold shares. One advantage of dividends from a market-rationality perspective is that dividend payments are easy to evaluate than company value. Ideally, the share price of a company should match the present per-share cash value of all future dividends and liquidation, but it's generally impossible to know in advance what that value will be. Stock prices may sometimes rise because of factors which increase the expected per-share cash value of future dividends and liquidations. In a sane market, rising prices on an item will reduce people's eagerness to buy and increase people's eagerness to sell. Unfortunately, in a marketplace where steady price appreciation is expected the feedback mechanisms responsible for stability get reversed. Rapidly rising prices act as a red flag to buyers--unfortunately, bulls don't see red flags as signal to stop, but rather as a signal to charge ahead. For a variety of reasons including the disparate treatment of dividends and capital gains, it's often not practical for a company to try to stabilize stock prices through dividends and stock sales. Nonetheless, dividends are in a sense far more ""real"" than stock price appreciation, since paying dividends generally requires that companies actually have sources of revenues and profits. By contrast, it's possible for stock prices to go through the roof for companies which have relatively few assets of value and no real expectation of becoming profitable businesses, simply because investors see rising stock prices as a ""buy"" signal independent of any real worth."


"Everyone has made some good points that I was going to mention but to put it in terms that might make it easier to decide. As stated by others, paying off debt and being free is always the goal and desirable. However, you must also consider the ""efficiency"" of what you do as well. For example, there are two common types of student loans (there are others but let's focus on these) and that is subsidized and unsubsidized. The main difference? Subsidized loans don't earn interest on your balance while you are in school, it only happens when you graduate and come out of repayment grace period. Unsubsidized loans begin accumulating interest the moment they are disbursed, but you are not required to make payments on them until you graduate. All student loans are deferred until you graduate and exhaust your grace period or other means of deferring your payment, say for example a postponement or forbearance. However, it is often recommended that on UNSUBSIDIZED loans, you pay down your principle while still in school to avoid that massive interest amount that will get added to it when you are officially in repayment. On the other hand, it is often (if not always) recommended that you hold off on paying SUBSIDIZED loans until you are done and go into repayment, as for all intents and purposes its not costing you anything extra to wait. Family and parent loans are considered and treated more like personal loans, so treat them as such. Hope that helps. Also, don't forget to take advantage of the income based repayment options, as they will make the payments manageable enough to avoid making them a burden while you are trying to get a job and go post education. Further reading: Income-Driven Plans (Department of Education) Income-Driven Repayment Plans (nelnet)"


I wonder if there will actually be a two-way debate on this. Discriminatory pricing is a tried-and-true financial and economic concept that is widely employed to great success across the globe. Even utilities have variable pricing based on needs and demand. Net neutrality is actually a threat to one main subset of the economy: The free content model. If your business model does not account for the cost to deliver your content, and instead relies on free distribution, then it's the business model that is questionable - not the model of distribution for cost. Something to think about. I welcome a debate here.


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"If you want your bank to pay $1 to a beneficiary Bob, then the service (no matter how implemented) needs to result in Bob's bank saying to Bob ""Hey, I owe you $1"". The usual way how this is done consists of two parts - your bank needs to somehow tell Bob's bank ""hey guys, do us a favor and please give Bob $1 with a message from the sender"", and your bank needs to convince the other bank that they'll pay for (cover) that. This is the main source for the delays in international payments - there are thousands of banks, and most of possible pairs have no legal contact between themselves whatsoever, no bilateral agreements, no trust and no reasonable enforcement mechanism for small claims. If I'm Bob's bank, then a random bank from anywhere from Switzerland to Nigeria can send me an instruction ""give Bob $1, we'll make it up for you"", the SWIFT network is a common way of doing this. However, most likely I'm going to give Bob the money only after I receive the funds somehow, which means that they have given the money to some institution I work with. For payments within a single country, it often is a centralized exchange or a central bank, and the payment speed is then determined by the details of that particular single payment network - e.g. UK Faster Payments or the various systems used in USA. For international payments, it may require a chain of multiple intermediaries (correspondent banks) - for example, a payment of $1mm from Kazakhstan to China will likely involve the Kazakhstan bank asking their main correspondent in USA (some major bank such as Chase JPMorgan) to give the money to the relevant chinese bank's correspondent in USA (say, Citi) to then give the money to that chinese bank to then give the money to the actual recipient. Each of those steps can happen because those entities have bilateral agreements, trust and accounts with each other; and each of those steps generally takes time and verification. If you want all payments to happen instantly, then you need all institutions to join a single binding payment system. It's not as easy as it sounds, as it is a nightmare of jurisdiction - for example, if you'd want me (as Bob's bank) to credit Bob instantly, then the system needs to provide solid guarantees that I would get paid even if (a) the payer institution changes its mind, made a mistake or intentional fraud; (b) the payer institution goes insolvent; (c) the system provider gets insolvent. Providing such guarantees is expensive, they need to be backed by multi-billion capital, and they're unrealistic to enforce across jurisdictions (e.g. would an Iranian bank get recourse if some funds got blocked because of USA sanctions). The biggest such project as far as I know is SEPA, across most of Europe. Visa and MasterCard networks perform the same function - a merchant gets paid by the CC network even if the payer can't pay his CC bill or the paying bank goes insolvent."


It is typically very easy to roll a 401(k) into an IRA. Companies that provide IRA's are very experienced with it, and I would expect that they will take your calls from overseas. You will likely be able to do it over the internet without using a phone at all. Just open an IRA with any brokerage company (Scottrade, Vanguard, Fidelity, Schwab, Ameritrade, etc.) and follow instructions to roll your 401(k) into it. Most likely they will need your signature, but usually a scan of a form you have filled out will do. Be sure to have information on your 401(k) provider, including your account number there, on hand. These companies are all very reputable and this is not a difficult transaction. There's really no downside to rolling into an IRA. 401(k) plans usually have more limited options and/or worse fee structures and are frequently harder to work with, as you have observed.


"there's a large gap between ""scheming group of evil masterminds"" and ""since we're just people making $800,000 or more, there can exist no organic or intended collective desire for us to perpetuate or push for socio-culturo-political systems which tend to ensure our continued wealth"" though."


I've had stock options at two different jobs. If you are not getting a significant ownership stake, but rather just a portion of options as incentive to come work there, I would value them at $0. If you get the same salary and benefits, but no stock options at another company and you like the other company better, I'd go to the other company. I say this because there are so many legal changes that seem to take value from you that you might as well not consider the options in your debate. That being said, the most important question I'd want to know is what incentive does the company have to going public or getting bought? If the company is majority owned by investors, the stock options are likely to be worth something if you wait long enough. You are essentially following someone else's bet. If the company is owned by 2 or 3 individuals who want to make lots of money, they may or may not decide to sell or go public.


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That very idea of saving is precisely what Fed monetary policy is trying to prevent. Create demand by forcing savers to spend... then barrow when they run out. You don't have money... you have the next bailout for the banks.


It's Nature, it's one of the most respected scientific journals. Nobody here is passing any judgment on Trump, the OP is showing that there's a bias for people with higher education to vote liberal. That's just a fact, nobody is saying that this statistic invalidates conservative beliefs.


Yeah but this is pure assumption you have no proof of this. Youre grossly underestimating how many people use marijuana regularly and responsibly also for medical needs. Theres a reason why your opinion is becoming more unpopular and that's because marijuana prohibition was founded on lies and racist polices not facts.


The only thing that I refuse to buy generic is trash bags. I've tried several different generic versions of trash bags and all of them ripped very easily. I'll spend the extra money for Hefty or Glad so I don't have to clean up trash.


[I think this quote is utter bullshit](https://cdn-images-1.medium.com/max/1400/0*ORZDlqkUmjUTH35z.png)- but that's just my opinion. Since they referenced Dragons Den/Shark Tank- that's how you see so many entrepreneurs on those shows who are doing that and failing- divorced, remortaged house, no one left and a disaster.


Please do not read this and think Taco Bell is healthy. Maybe compared to other places that are exceptionally bad for you. But it is not healthy. I am not saying never eat it. Who doesn't like Taco Bell every now and again? But please don't think eating there is healthy. No matter what you order its processed food that will never give you the macronutrients and benefits real food offers.


Framing is not fraud. Fraud is a material misrepresentation of facts for financial gain. You need to misrepresent actual facts. As for harm, the difference is consent. There is an ethical mandate to protect innocent from harm by others, but no similar mandate to protect them from themselves.


That's your assumption, but the details are there are different tiers of liability depending on the level of employees you have. Have 5,000+ you must pay this increased level of medical insurance or other liabilities. So if he has 7,000 employees and increased liabilities would happen at 5,000+ ---- sounds like there's a $$ incentive to decrease to 4,999. That's not emotion, that's just business. The irony would be if he sold to a Chinese company, that cuts employee benefits and wages and sends most of the profit home while employing tax shelters to yield as little as possible in taxes.


I see the opposite in my area. For example, there is this place where I am at called Fuzzy's Tacos. The place SUCKS! most of the filtered reviews are negative and the positive ones make it while the negative ones are screened. tl;dr - Fuzzy's Tacos sucks.


There is only a catch if you swallow the hook. The hook is that the bank hopes you will use the increased credit limit to buy more stuff, and not pay what you owe before the interest-free period expires. This will allow them to charge their high interest rate on the outstanding balance. Now if you don't increase your spending, and keep paying your balance in full, nothing happens.


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The principles behind creating and keeping those entities are reasonable, civilized, and economically sound. That being said, after seeing what the practical application became, I can't say I disagree with you. It might be a failed experiment at this point. The racial angle at the end cheapens your argument, though.


"I commend you for your desire to be a smart and engaged investor. Regarding the other comments, yes the market is unpredictable and dangerous, but such is everything that leads to profit. I am currently reading, ""Advanced Options Pricing Models"" (Katz and McCormick) - mighy be at your local library. The book is helpful because in explaining the options market, it covers basic stock methodologies and then builds on them as it pursues a quant's math/computation based view of the market. The book is highly math oriented and discusses authors' custom design scripts/alogrithms to analyze market behavior. See similar post about technical analysis (since it often directs short term trading decisisions)."


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