"It appears the interest is not compounded daily. Each period of interest has the loan amount calculated on the ""capital"" remaining on the start of period, for each day in the period. The Excel finance functions don't handle irregular periods that well, but I can reconstruct the interest calculations:"


See that's where you're wrong. It's NOT a traditional game of musical chairs. It's musical chairs where anyone with the right idea and ambition can build their own chair and take a seat! The pie is NOT fixed. That's what's so great about free market capitalism. But with that comes responsibility for your own life, which apparently, and unfortunately, has turned out to be overly difficult for an increasing portion of the population.


American living in Canada, actually. Seeing the system in action here, while imperfect, is much better than what the US is doing. By design, it's class warfare, rather than making your government fix it, you wind up angry at your employer, IE some big corporate entity and/or their insurers. Strange thing is, dollar for dollar, the American government pays more per citizen for health care than their Canadian counterparts. Actually, just about [everyone](http://en.wikipedia.org/wiki/Comparison_of_the_health_care_systems_in_Canada_and_the_United_States)... And so completely fucked...


One company owns majority of popular freelancing websites (elance included) Aside from the race to the bottom pricing happening for projects; customer is always right. Lots of stories of even a pip from a client freezing accounts -- not even just a project, your whole account with any ongoing projects. Everything gone. Thousands lost. Not worth it. No recourse.


The odds could very well be in your favor, even when the insurance company expects profit. What matters to you is not the expected amount of money you'll have, but the expected amount of utility you'll get from it: getting enough money to buy food to eat is much more important than getting enough money to be able to buy that fiction book too. The more money you have, the less a dollar is worth to you: consequently, if you have enough money, it's worth spending some to prevent yourself from getting into a situation where you don't have enough money.


In my view you are going through quite a bit of logistics to achieve this. Best is drop this idea. If all of you are paying equally, then there is virtually no gain. A better pact is not to gift each other on wedding. We want to open a joint fixed deposit account in name of each one of us which should be locked-in till 2020 Yes it is possible to have Joint Account with multiple names. Ideally all should be present or a Power of Attorney can be created to include names of people who are not present. We want our money to be risk free and secured. Risk free and secured will mean Fixed Deposits.


"Shopify is a ripoff. $30 is too much to pay for ""starter"" hosting and they don't offer anything special for that extra price. 2. When you are just starting out a very economic VPS is the way to go. You can upgrade as your traffic increases. The big consideration is how many simultaneous visitors does your website need to handle. At first you are going to be low-traffic so you don't need to pay for a powerful server. Your costs will be between $5 and $15 per month depending on who you rent from. 3. It's possible to make money from advertising just bear in mind the use of ad blockers is on the rise so advertising should not be your primary income source. A lot of newspaper and magazine sites were trying to use advertising as their primary online revenue stream and in recent years we've seen them shutting down or forcing annoying popups that say things like ""Please disable your ad blocker"" which is really embarassing. Also, advertising is only a viable income generator for sites with a lot of traffic. When you are just starting out you should not expect more than 10 or 20 visits per day at most, and that's assuming you advertise your website in various places. If you don't advertise you'll see 0 visits per day until you start getting organic search results which can take several months on a new domain, because search engines give priority to ""older"" domains."


So do I understand it right that this is the same thing as ESTA? I have just finished reading the article and can't really see what should my models apply for? Or is it just that the can fly to US, say the are coming for modeling and then will be OK?


Probably. I had a roommate who was a laborer, and he was known to eat a few quarterpounders in a sitting while being pretty damn in shape. I ate a double whopper once, and it actually tasted way worse then the regular. It didn't make me feel all too awesome after either.


"Did you get an option contingency? This is usually part and parcel with getting a home inspection; you negotiate a nominal fee, like $100, that gives you the ""option"" to back out of the deal for any reason at all within X days (typically 7 calendar days). This is usually the time you schedule the home inspection and figure out what needs repairing. If you're still in your option window, then yes, you can back out and get your ""earnest money"" back from escrow. The seller keeps your option fee (it can be credited to your portion of closing costs if you were to go forward). If you are not in an option period because it's expired or you didn't get one, you can still back out, but unless you're covered by another contract contingency that would apply, such as financing or appraisal (the bank may not be able to underwrite the property even after agreed repairs), you ""default"" and typically lose your earnest money. Technically the seller could hold you to strict performance and force you to the closing table, but that requires going to court and it's almost never heard of; just taking the earnest money and putting the house back on the market is the easier route for everyone."


"Uber would have been a better company if they just started up the world's largest payday loans business. It would actually be cheaper to operate, by a substantial margin, and they could run their business legitimately, instead of immorally and illegally on most locations. When I looked at Uber, I laughed so hard it actually made my stomach hurt. A guy I knew reckoned he was creaming it. I used simply maths to show he was making 4 cents a kilometre by the time running costs were accounted for, and many Uber drivers will be operating at an actual loss. At least a payday loan has no hidden costs associated with it, and you don't have to spend days raising the small amount of cash you need to get through the month. Uber must be the most dishonest business of the planet right now, and its ""employees"" (LOL) are the dumbest fucks on the planet."


Obviously you must be an Israeli and a Jew or you must be living on another planet. You want pictures? [Here is a complete website](http://www.peterloud.co.uk/palestine/) There is really no need to played the aggrieved and horrified party now . .the game is over and the world knows


"For new shares to be successfully sold, the price has to be below market price. If you currently own shares of that company, you should always get an option to buy those newly sold shares at that discounted price. The number of options depends on the relative number of shares you hold. Lets say you own 100 out of 1000 shares, currently priced at $10. 100 new shares are to be sold at $9. Since you are holding 10% of all shares, you have the option (i.e. the right) to buy 10 new (cheaper) shares (10% of 100) before anybody else can buy them. Theoretically, the money you save by getting the shares at a discounted price is equal to the money you lose by the share's value being diluted. So, if you're a shareholder and the company is increasing it's capital, you're given the right to ""go with it""."


But cash talks. If you can save yourself a grand or two a month in mortgage overpayment, and have the cash for 1st and last month's rent plus deposit, a job or two, etc. That crap means more than a credit score. Plus don't rent from people you can't talk to about with what is going on in your life. My personal credit has always been shit (because the morality associated with debt is complete bullshit) since my 20s and I have never had a problem renting, because I let my landlords know I am human and that paying rent on time and in full is my top bill to pay. People are beginning to realize that FICO scores are pretty meaningless in this Lesser Depression. e: prepositional indifference


"It's a tricky question w/out more context. If your only options are between stock/funds and letting it sit (i.e. in a saving or CD), I'd have to say option one is the way to go (but that's based on my situation, and you did ask ""if you ..""). However, I think the true answer is ""it depends."" It depends on your risk tolerance and what are your short-term vs. long-term financial needs. Only after answering those questions you can then seek to strategize and diversify investment accordingly."


"Not going to happen anytime soon. These old fatties won't go down without a bitter fight that will make us really hate them for a while longer. New media (e.g. Netflix, youtube, Hulu...) still requires an internet connection. As it stands, the avenue to get connected to these services still goes through cable companies (e.g. Time Warner, Comcast, Cox...) or through telecom companies (e.g. ATT and Verizon). The first step these antiquated orgs. will pull is putting caps on our internet usage. This will take the floor right from under online video services, which have worked off an ""all you can eat"" broadband model. Right now caps are at something like 100-250GB, which seems like a lot. But imagine you replace your entire cable consumption with online consumption. Plus add in any other internet activity like games and downloads, 250GB may be a bit closer than you think. Moreover, ISPs are moving to lower the caps on internet usage, probably around 50GB, which limits us even further on online media consumption. So because they *cannot* compete with these services, they aim to stop us entirely from using them. Bully tactics, not good business through adaption and innovation. They think by doing this, they will drive consumers back to their traditional services. Time will tell if the masses will play into their hand or actually shape demand for a non-restrictive, non-cable sourced ISP. Should such a service arise, cable companies are pretty much dead in the next 5-10 years. As it stands, we still require cable companies to deliver our content. The battle between Old Media and New Media will be hard fought and we, the consumers, stand to get the brunt of this battle for a while longer."


It has been talked about extensively. It is talked about in [Crisis Economics](http://www.amazon.com/Crisis-Economics-Course-Future-Finance/dp/1594202508) by Nouriel Roubini. Basically, what he wants to change is the people that own the security being rated are the ones that pay for the rating. This would help to eliminate some of the bias because they are being paid by people that want to know as much information about the security that they own. I think it's something that would require government action to occur (could be wrong) which is why the business model hasn't changed.


"It happens in private too. In addition to rarely ""putting their name on it"", my management will often given tasks out a wheel barrow load at the time. By saying they want it ALL done - they're not actually held responsible for any of it getting done. The defense becomes ""well I told em'"".."


I took littleadv's advice and talked to an accountant today. Regardless of method of payment, my US LLC does not have to withhold taxes or report the payment as payments to contractors (1099/1042(S)) to the IRS; it is simply a business expense. He said this gets more complicated if the recipient is working in the US (regardless of nationality), but that is not my case


Seems a little strange: You exercised an option we were fully aware of and now we don't like you so vote our way or we sue. F that - two investors wanting to control the company with an undersized holding is a no go.


True... Though if the USPS can survive these payments (I think it will) it will look very good when people start to retire in the future and it won't have to worry about retirement costs. BUT... they do need to address their fundamental problems. They do lose billions every year without factoring in pension costs.


Uhhm you do realize that like 99% of all new consumer products are still developed and released to market by US companies. I mean two us companies drive like 99% of the mobile cellular market, google and apple. Google will be releasing driverless cars, tesla is redefining the car market, space X is redefining space travel the list goes on. The idea that the dollar is america's only edge is ridiculous at best.


Since you are paying taxes on the distributions from your mutual funds anyway, instead of reinvesting the distributions back into the mutual funds, you could receive them as cash, then contribute them to your Roth IRA once you are able to open one.


"SOS stands for Secretary of State. The California Department of State handles the business entities registration, and the website is here. See ""Forms"" in the navigation menu on the left. Specifically, you'll be looking for LLC-5."


I'm not sure how I feel about this. On one hand, the decrease of home prices is very appealing, especially living in a high cost of living area. On the other hand, no tax right offs for charities does not seem like a good idea. If people are going to contribute less to charitable organizations, that will directly hurt the people they are trying to help such as the poor, homeless, and disadvantaged. And these aren't small donations like the average person. These are thousands or even tens of thousands of dollars. I understand most of the money doesn't necessarily reach the ones they claim to help due to salaries, overhead, and marketing, but there are some good charities that try to give as much of the donated money to their cause. I just don't trust our local and state government to put the money into these kinds of programs.


"> Why should we trust big agro to release accurate information that may be damning to their business? Enforcement via inspection. You only need to check up on a small portion of claims to ensure accuracy. Have hefty fines for inaccurate information, and jail time for anyone who intentionally misleads. >The problem is that the USDA has been underfunded to the point that it's completely incapable of doing the amount of inspections needed. There's a simple and obvious solution to that. >Consumers don't know what they need to be educated about, and rely on reporters and experts to make recommendations and revelations on their behalf. That's why there's a mix of sources. Indeed, consumers don't know, but they still have the right to ask silly questions. Actual knowledgeable people are also involved so that actual meaningful questions be answered. >Revoke all laws that restrict the first amendment when it comes to our food. ""Disparaging a food product"" should not be illegal in a free country. Public health should be more important than sales of unhealthful products. Those laws are, in part, there to protect public safety. Causing an unfounded panic over food-products could be disastrous. Public health is the justification for those laws existing, not protecting sales."


"The fallacy in your question is in this statement: ""The formulas must exist, because prices can be followed real time."" What you see are snapshots of the current status of the stock, what was the last price a stock was traded at, what is the volume, is the price going up or down. People who buy and hold their stock look at the status every few days or even every few months. Day traders look at the status every second of the trading day. The math/formula comes in when people try to predict where the stock is going based on the squiggles in the line. These squiggles move based on how other people react to the squiggles. The big movements occur when big pieces of news make large movements in the price. Company X announces the release of the key product will be delayed by a year; the founder is stepping down; the government just doubled the order for a new weapon system; the insiders are selling all the shares they can. There are no formulas to determine the correct price, only formulas that try to predict where the price may go."


Some places banks/Credit Unions will allow you to refinance a auto loan. My credit Union only does this if the original loan was with another lender. They will send the money to the old lender, then give you a loan under the new terms. They are trying to get your business, not necessarily looking for a way make less money for themselves. You will have to see how much you will save. Which will be based on the delta of the length of the loan or the change in interest rate, or both. My Credit Union has a calculator to show you the numbers based on keeping the size of the payments the same, or keeping the number of payments the same. Make sure you understand any limitations regarding the refinance based on the age of the car, and if you are underwater.


Pre-Market trading activity is shown on the site from 4:15 - 9:30 AM (actual trading starts at 4:00 AM EST) The NASDAQ Stock Market Trading Sessions (Eastern Time) Pre-Market Trading Hours from 4:00 a.m. to 9:30 a.m. Market Hours from 9:30 a.m. to 4:00 p.m. After-Market Hours from 4:00 p.m. to 8:00 p.m. Read more: http://www.nasdaq.com/about/trading-schedule.aspx#ixzz38OtcISrq In this case GOOG did not trade in the Pre-market until that time and FB was.


"Yes, this is restricted by law. In plain language, you can find it on the IRS website (under the heading ""When Can a Retirement Plan Distribute Benefits?""): 401(k), profit-sharing, and stock bonus plans Employee elective deferrals (and earnings, except in a hardship distribution) -- the plan may permit a distribution when you: •terminate employment (by death, disability, retirement or other severance from employment); •reach age 59½; or •suffer a hardship. Employer profit-sharing or matching contributions -- the plan may permit a distribution of your vested accrued benefit when you: •terminate employment (by death, disability, retirement or other severance from employment); •reach the age specified in the plan (any age); or •suffer a hardship or experience another event specified in the plan. Form of benefit - the plan may pay benefits in a single lump-sum payment as well as offer other options, including payments over a set period of time (such as 5 or 10 years) or a purchased annuity with monthly lifetime payments. Source: https://www.irs.gov/retirement-plans/plan-participant-employee/when-can-a-retirement-plan-distribute-benefits If you want to actually see it in the law, check out 26 USC 401(k)(2)(B)(i), which lists the circumstances under which a distribution can be made. You can get the full text, for example, here: https://www.law.cornell.edu/uscode/text/26/401 I'm not sure what to say about the practice of the company that you mentioned in your question. Maybe the law was different then?"


There are two dates that matter for vesting in this situation: If you left the company on 12/31/16, you would be entitled to none of the company contributions. If you left on 1/1/17, you would be entitled to all $20k. This is sometimes known as a cliff vesting schedule. Some companies do a stair step - 20% after year 1, 40% after year 2, etc. This is known as graded vesting. But, that is not the case based on the language here.


Confused? see your CPA


Completely agree with this, especially with the level 2 comment. Some sections in the Schweser level 2 books are quite scarce, and will need additional research. I just passed level 2 this June, and I have pretty much never used the CFAI materials; they are very long and time consuming, whereas the Schweser resources were much shorter, yet still comprehensive enough. Of course, you are in this to improve yourself and learn as much as you can about the world of finance, so if you are not under time pressure, perhaps it may be better for your long term understanding to learn the content from the CFAI resources. One thing I would stress is to do the Mock exams and topic tests on the CFA website, as this is probably the most important component of your studies. Use these resources to find your weaknesses and fill in the gaps from there. You should skim read those blue boxes which contain worked examples, but personally I found the end of chapter questions to be too easy and a waste of time tbh. Hope that helps a bit; all the best for your studies. TL;DR Schweser materials are more concise and a better option Regardless of what you use, do official CFA mocks & topic tests


Just because gold performed that well in the past does not mean it will perform that well in the future. I'm not saying you should or should not buy gold, but the mere fact that it went up a lot recently is not sufficient reason to buy it. Also note that on the house, an investment that accrues continuous interest for 30 years at an annual rate of about 7.7% will multiply by a factor of 10 in 30 years. That rate is pretty high by today's standards, but it might have been more feasible in the past (I don't know historical interest rates very well). Yet again note that the fact that houses went up a lot over the last 30 years does not mean they will continue to do so.


Buffett has the edge here. Berkshire is proposing to keep Oncor's board and CEO, which NextEra didn't offer and was a sticking point for the PUC. However Elliot owns something like 70%+ of EFH's debt, so maybe the PUCT will be more accommodating to that.


Cut the tax rate, eliminate the loopholes. If they are able to make money then they should be more than able to do so, but if they are not, they should have to take the loss as they are the ones taking the risk. EDIT: Of course I'm downvoted, I forgot Reddit is basically communist.


Remind me again who held and was willing to loan out that debt? The investor classes partly created the risk environment that they now want protection from. convenient. If they're going to sit on their savings, they're going to comparatively lose more to inflation, so what you think will happen probably wouldn't happen. And even if they do, savings don't receive preferential tax treatment anyways.


The Skipton Building Society has recently announced that it is offering a cash LISA. According to the papers it is the first to offer a cash LISA. Skipton is the UK's 4th largest UK Building Society and has been in existence since 1853. There are other providers of LISAs such as Hargreaves Landsdown. Hargreaves Lansdown is listed on the FTSE 100 i.e. it's one of the largest 100 companies with a UK stock market listing. Stocks and Shares and Cash LISAs are quite different so you need to decide which type you want before deciding where you want to get one from. You can switch from one to another at a later date if you so wish but you may need to switch providers to do so.


My current favorite service for this kind of transfer is Transferwise. The fees are quite low when compared to the 2.5-3% by high-street banks for currency conversion, to which you need to add the international wire transfer fee, and it's often a lot faster, as they split it into two domestic transfers while the international part + currency conversion happens internally to Transferwise.


It was Facebook/Zuckerberg implementing their black mail engine. I helped manage a Facebook page as an intern for a mid-size music venue a few years ago. Our outreach per post was hitting at least 50% of our followers. Overnight that number crashed to 15-20%. Conveniently. we received an email shortly thereafter explaining how if we paid for advertising, we could boost our visibility back to where it used to be. That cannot be a winning strategy in the longterm, to demand that the entities that drive traffic on your site to pay for exposure.


The reason we are talking about Saudi, because they are the biggest oil exporter. Their political stability-oil supply has direct impact to US and global economy. i doubt any of us really concern about actual saudi economic well being without considering direct impact to global oil supply. Venezuela oil export is not as large as Saudi, and venezuela biggest customer (and their biggest mistake) is US. Venezuela is just US screwing a vassal state. Saudi is global oil security.


You can't actually transfer shares directly unless they were obtained as part of an employee share scheme - see the answers to questions 19 and 20 on this page: http://www.hmrc.gov.uk/isa/faqs.htm#19 Q. Can I put shares from my employee share scheme into my ISA? A. You can transfer any shares you get from into a stocks and shares component of an ISA without having to pay Capital Gains Tax - provided your ISA manager agrees to take them. The value of the shares at the date of transfer counts towards the annual limit. This means you can transfer up to £11,520 worth of shares in the tax year 2013-14 (assuming that you make no other subscriptions to ISAs, in those years). You must transfer the shares within 90 days from the day they cease to be subject to the Plan, or (for approved SAYE share option schemes) 90 days of the exercise of option date. Your employer should be able to tell you more. Q. Can I put windfall or inherited shares in my ISA? A. No. You can only transfer shares you own into an ISA if they have come from an employee share scheme. Otherwise, the ISA manager must purchase shares on the open market. The situation is the same if you have shares that you have inherited. You are not able to transfer them into an ISA.


"Are you saying they're all just a bunch of hacks trying to monetize fear instead of actually providing sound financial advice? Are you further suggesting that they were nowhere to be found in 07, yet now that the country is in a poor financial state, they're trying to grab headlines? Are you saying that even though they all claim they ""predicted"" the housing crisis there is no conclusive evidence suggesting that any of them actually did so? Oh wait, I guess I said that."


"First note that Standard Chartered Bank's domain is ""sc.com"", not ""scb.com"". The ""scb.com"" site appears to be an architecture company ""of sorts"". The ""yandex"" email address is for a Russian search company which offers free email services. The ""standardchartered.X10.bz"" email address is clearly a spoof use of the standard chartered name, and is registered in Belize - a small central American country and tax haven. The ""yilmazguneadana.org"" is not recognised by internet DNS, so appears to be an email only service. This is clearly a phishing scam. Do not respond to this email. Of the many thousands of people that have received this email, sadly some will be dumb enough to respond - the elderly are most vulnerable to this type of scam."


"Depending on what you need to explain, you can submit your electronic return without the supplemental information and subsequently mail a Form 8453 with the additional information. This is helpful for form 8489, for example, where you need to list every transaction reported by your stock broker on a 1099-B. See https://www.irs.gov/pub/irs-pdf/f8453.pdf for more details on this form. If the information you need to submit an attachment for doesn't follow one of the options on that form, you will likely need to file a paper return or use a paid tax preparation service/application. Limitations of FreeFile are explained here, along with a list of forms that are available: https://www.irs.gov/uac/List-of-Available-Free-File-Fillable-Forms The ""Attaching Statements"" and ""Write-in information"" sections seem like they might apply to your situation. Attaching Statements - If you need to add statements and you can't use Form 8453, U.S. Individual Income Tax Transmittal for an IRS e-file Return, to mail that information, you will not be able to use this program to efile your return Identity Protection PIN's (IP PIN) - This program only supports the entry of a Primary taxpayer's IP PIN. If the spouse or dependents have an IP PIN, you cannot use this program to efile the return. Writing In Information - Your ability to ""write in"" additional information to explain an entry is generally limited to the 1040 forms and some of the more frequently submitted forms. If you need to write in additional information on a form, other than the 1040 series, you may not be able to use this program to efile your tax return. E-filing Forms - To efile forms, (except Form 4868) they must be attached to a 1040 series form (1040, 1040A or 1040EZ). Form Limitations - There may be Known Limitations of forms you plan to complete. Please review them. A form limitation may keep you from completing or e-filing your return."


The traditional role of a stockbroker is to arrange for the buying and selling of stock by finding buyers and sellers at an agreed upon price. The broker does not purchase the stock for himself but merely arranges for the stock to be traded. A trader is one who purchases stock with the hope of selling it for a gain. The trader will use a broker to help with the purchase and sale of a stock.


Write a virus, start spreading it via USB. That's how stuxnet got to Iran's nuclear program. Someone could make a virus that does nothing on most computers, but if it happens to be on an ATM, it spits out cash if you type in the proper number on the key pad.


If you don't know how to evaluate funds and are looking for someone to help you make good investment decisions, then you want a financial advisor. My suggestion is to look for one that 1) doesn't try to sell you insurance first (since insurance is an expense, not an investment), 2) can explain to you the the relationship between risk and return (and what mix is right for you) and 3) recommends funds that have good demonstrated returns after fees have been removed. If you plan to pick your own funds and just want a transaction broker, go with one of the free/cheap online discount brokers. Many let you invest in hundreds of different funds, so look for brokers with the cheapest fees.


>First, federal labor law bars even non-union employers like Google from punishing an employee for communicating with fellow employees about improving working conditions. The purpose of the memo was to persuade Google to abandon certain diversity-related practices the engineer found objectionable and to convince co-workers to join his cause, or at least discuss the points he raised. >In a reply to the initial outcry over his memo, the engineer added to his memo: “Despite what the public response seems to have been, I’ve gotten many personal messages from fellow Googlers expressing their gratitude for bringing up these very important issues which they agree with but would never have the courage to say or defend because of our shaming culture and the possibility of being fired.” The law protects that kind of “concerted activity.” >Second, the engineer’s memo largely is a statement of his political views as they apply to workplace policies. The memo is styled as a lament to “Google’s Ideological Echo Chamber.” California law prohibits employers from threatening to fire employees to get them to adopt or refrain from adopting a particular political course of action. https://www.cnbc.com/amp/2017/08/07/it-may-be-illegal-for-google-to-punish-engineer-over-anti-diversity-memo-commentary.html The employee was also fired after making a complaint to the NLRB. >Damore said he was exploring all possible legal remedies, and that before being fired, he had submitted a charge to the U.S. National Labor Relations Board (NLRB) accusing Google upper management of trying to shame him into silence. https://www.reuters.com/article/us-google-diversity-idUSKBN1AO088


"> she makes some very good points to the whole ""Startup"" mentality. The 'fight' here is for responsibility. Ahoyhere is challenging people to be responsible for themselves, and to 'take the blame' if they have nothing to show for it when or if their vc startup employer goes bust (or, gets wildly successful and they don't share in the success.) People don't want that. They want to tell themselves they're justified for being bitter after being screwed. They want to know that 'hard work always pays off', which is obviously false."


"I'd be willing to pay for content only if it was somehow integrated into a single billing structure, and I didn't have to manage eight million micro-transaction accounts with every single website that I used. So, for example, maybe instead of an ad-server - Google could run some kind of cookied browsing tracker that would apportion my monthly ""content budget"" among the various sites I visit based on my time-on-page?"


"Okay, I'm going to give you my opinion based on experience; not any technical understanding. The options - by themselves - are pretty meaningless in terms of determining their value. The business plan going forward, their growth expectations, the additional options to be authorized, the additional preferred stock offers they anticipate, even current estimated value of the company are some of the pieces of data you will be needing. I also want to say something cynical, like ""to hell with the stock options give me cold hard"" but that's just me. (My experience two-times so far has shown stock options to be worth very very little.)"


That's like saying the Dollar is untrustworthy because Madoff used it in his scam, or that the Dollar is a criminal enterprise because US cash is the number one currency of the black market. If you believe those arguments as well, then I grant your criticism, but otherwise you'd be inconsistent. Personally I don't think it makes sense to blame the money in any of these situations. Money's just a fundamental tool for all economic activity, good or bad, and in all of these cases, I'd argue the money did exactly what it's supposed to do. Seems a lot more reasonable to blame the individuals involved.


Eh, I've read their list and it didn't seem like they had that strong of arguments for their selections. Some of those I'm sure will make the short list but others don't seem to match what Amazon is looking for at all.


I'm in the US as well, but some basic things are still the same. You need to trade through a broker, but the need for a full service broker is no longer necessary. You may be able to get by with a web based brokerage that charges less fees. If you are nervous, look for a big name, and avoid a fly by night company. Stick with non-exotic investments. don't do options, or futures or Forex. You may even want to skip shares all together and see if UK offers something akin to an index fund which tracks broad markets (like the whole of the FTSE 100 or the S&P 500) as a whole.


In 1929 the Dow Jones Industrial Average peaked at roughly 390 just prior to the Great Depression. It did not return to that level again until 25 years later in 1954. 25 years is a long time to go without any returns, especially if you are a retiree. There is no easy answer with investing. Trying to time the tops and bottoms is widely regarded as a foolhardy endeavor, but whenever you invest you expose yourself to the possibility of this scenario. The only thing I highly recommend is not to base your decision on the historical returns from 1975 to 2000 that the other answers have presented. These returns can be explained by policy changes that many are coming to understand are unsustainable. The growth of our debt, income inequality, and monetary manipulation by central banks are all reasons to be skeptical of future returns.


"Because any nation that allows real estate to become an asset class will eventually, given enough time, destroy the wealth potential and social mobility of the non-owner class. There's a reason that aristocracy used to be referred to as ""landed aristocracy"". The solution is a progressively higher tax on second, third and fourth properties. And an elimination of tax on first properties. But such proposals are never allowed air time as they gut the rentier class."


In my experience, this choice is entirely up to the bank itself. There was a time when, given my mothers ATM card I could go to the bank and pull money for her, but the bank has since changed their rules and now they only will allow people listed on the account to access it, card or no card. If the bank is aware of who you are and knows that your friend is not you, they may be skeptical of allowing your friend to withdraw any money, or they might not care, it's at their discretion. If they do not know who either of you are, if your friend has the card and information needed, that will likely be sufficient, unless they ask for identification.


If the account is not dollar-denominated, I would say it does not make sense at all to have dollar-denominated statements. Such a statement would not even be accurate for any reasonable amount of time (since FX rates constantly fluctuate). This would be a nightmare for accounting purposes. If you really need to know the statements in USD, I think the best practice would be to perform the conversion yourself using Excel or some similar software.


I don't even think that much is true, in a downturned market we see deflation. Things go on sale, prices drop, that's deflation. But the elephant in the room is that the gov't can't let deflation happen or their debt becomes harder to pay off. So after/during a downturn the government goes into hyperinflation mode. To me, gold/silver aren't a hedge against the dollar they are a hedge against the inevitable decline of the dollar which isn't going to stop until we change monetary policy. Graph the dollar's value in the past 100 years, it's the biggest crash in history. Now ask yourself if the dollar was a stock, would you want to own it with that record? 100 years of declination. Sell your dollars, find a real currency.


You have to pay off the balance on the loan first. Also, FHA loans are not supposed to be used for rental properties. I don't know how you living there for a number of years changes things or how often is that rule enforced but you might need to refinance even if you rent it out.


"This is the best tl;dr I could make, [original](https://www.dawn.com/news/1361897/saudi-arabia-to-buy-russian-s-400-defence-systems-other-arms) reduced by 86%. (I'm a bot) ***** > Saudi Arabia signed on Thursday preliminary agreements to buy S-400 air defence systems and receive &quot;Cutting edge technologies&quot; from Russia during King Salman&#039;s landmark visit to Moscow, the Saudi military industries firm said. > Under the agreements, Saudi Arabia is set to buy S-400 air defence systems, Kornet anti-tank guided missile systems and multiple rocket launchers. > &#039;Positive cooperation&#039; Citing Russia&#039;s energy minister Alexander Novak, the Financial Times reported that Russia and Saudi Arabia were expected to sign deals worth over $3 billion, including a $1bn energy investment fund and a $1.1bn agreement for Russia&#039;s petrochemicals giant Sibur to build a plant in Saudi Arabia. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/74h8c5/saudi_arabia_to_buy_russian_s400_defence_systems/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~222658 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Saudi**^#1 **Russia**^#2 **agreement**^#3 **Salman**^#4 **Arabia**^#5"


Since the compounding period and payment period differs (Compounded Daily vs Paid Monthly), you need to find the effective interest rate for one payment period (month). This means that each month you pay 0.33387092772% of the outstanding principal as interest. Then use this formula to find the number of months: Where PV = 21750, Pmt = 220, i = 0.0033387092772 That gives 120 Months. Depending on the day count convention, (30/360 or 30.416/365 or Actual/Actual), the answer may differ slightly. Using Financial Calculator gives extremely similar answer. The total cash paid in the entire course of the loan is 120 x $220 = $26,400


It's not that simple. The problem is that Greece is not in control if it's own finances. Neither are any of the other countries. The Eurozone doesn't have the power to do things like raise taxes or sell government bonds, and the individual governments don't have the power to float the currency. The Eurozone is going to unwind over the a decade. Greece will leave, but there are another 4-5 countries that should leave the Euro for the same reasons as Greece. Spain seems likely to be the next up, with Italy not far behind. The Euro was never designed to break apart. We really have no idea what the shockwaves of a country leaving the currency will look like.


"> Wii – 95.85 million as of 31 March 2012[8] > Xbox 360 – 65.8 million as of 12 January 2012[52] > PlayStation 3 – 63.9 million as of 31 March 2012[53] I wouldn't characterize those numbers as Microsoft ""dominating"" the market. I also don't think it is a ""certainty"" that Microsoft will dominate the next generation. >MS is also much closer to a unified platform for you TV. I don't get this at all. I have a 360 and a PS3. My PS3, has Netflix, Hulu, Amazon, and it's own video service but it also has a blue ray player and the ability to easily stream videos from my Windows Home server, something I've been unable to get my 360 to do. Personally, I think Windows 8 is going to be very similar to Vista. Businesses (which is a HUGE % of Microsoft's OS market) aren't going to touch Windows 8 with a 10 foot pole. Keep in mind Windows XP is still 41% of the PC market. Overall, you've got a much rosier view of Microsoft than I do."


It's quite alright, it's been over a decade since he passed so I'm not particularly sensitive about it any more. I'll have a look at investopedia, but what I'm mainly interested in is private equity. I wanted to ask directly about that, but I feel that I need a frame of reference to understand what's going on. As in, I doubt I'd be able to really get private equity without first having an understanding of public trading. Is this subreddit really that reputable? I've learned to not really trust reddit, for the most part. Is there some kind of curation here?


Anytime you mention Wal-mart's employment, it's almost always the biggest (fill in the blank) because it's the country's biggest private employer. It employs 4 times more people than #2 (McDonalds). About 1 / 150 Americans work for Wal-Mart. It's crazy.


Apples and oranges. The stock market requires a tiny bit of your time. Perhaps a lot if you are interested in individual stocks, and pouring through company annual reports, but close to none if you have a mix of super low cost ETFs or index fund. The real estate investing you propose is, at some point, a serious time commitment. Unless you use a management company to handle incoming calls and to dispatch repair people. But that's a cost that will eat into your potential profits. If you plan to do this 'for real,' I suggest using the 401(k), but then having the option to take loans from it. The ability to write a check for $50K is pretty valuable when buying real estate. When you run the numbers, this will benefit you long term. Edit - on re-reading your question Rental Property: What is considered decent cash flow? (with example), I withdraw my answer above. You overestimated the return you will get, the actual return will likely be negative. It doesn't take too many years of your one per year strategy to wipe you out. Per your comment below, if bought right, rentals can be a great long term investment. Glad you didn't buy the loser.


Nah most of what the quants do is v. mathematics / theory heavy and not prog / cs heavy. It really depends whether you want a markets / stats focus or a programming focus. Programming focus = CS style, development, implementing algo.s Markets focus (where the $ is) = refining algos and working with devs, stats/research, more physics/maths-style work with a lot more scripting and empirical approaches to problem solving Take it from someone in industry... you'll be fine just go out and get a job, they'll train you, start reading the FT for some background on markets and read up on basic financials e.g. what stock actually is, how it's prices, how markets actually function (structurally), how people price swaps and bonds, etc.


The main concern I'd have is that something will happen to the account while it's unattended. While you may not have any money in it to risk, you could have a fraudulent check written against it that causes you to incur NSF fees. Your bank also might change its no-fee policy (I assume these are no-fee accounts, or there's an obvious drawback). If it does, it's possible you might not notice, and again then the fee might be assessed, overdrawing you and causing additional NSF fees.


Yes, it's true (from a BB perspective). This isn't the 80's where M&A's are the money makers. This isn't the 90's where IPO's are the cash cows. Going forward the new products, especially the OTC derivatives market and FI are going to be where a lot of resources are pooled and where revenues are generated. Ask yourself the question, why do you want to go into equity research as opposed to another product?


"I'm a manager of a charity shop so work with a wide range of unpaid volunteers, which requires an especially soft touch (most of the time, everyone is different) or people will just leave. It takes longer, but the overall results are better and more long-lasting. Think of it like pushing a boat from the docks with your hand, always applying a small pressure to get the boat to gradually move where you want, rather than ramming into the side of a boat with a truck - sure it'll get you there quicker, but will cause lasting damage. It's also best to take it slow, as you need time to learn the business and people. Be clear about your approach with your boss, managing their expectations is important. Anyway, here is what I've learnt in my first year or so doing this job, plus things I've learnt along the way in my previous career as a software engineer (radical career change!) where I've managed people and been managed: 1. Be yourself. Don't pretend to be someone you're not, everyone will see right through you in an instant. You'll change over time as you get used to managing people, that's fine, but always be yourself through that. 1. Say ""thank you"" to everyone at the end of each day as you say goodbye. Mean it. Think of all the work they've done today for you. 1. Spread the shit evenly. Every job has crap parts, make sure you and everyone else gets their fair share and no more. I regularly hoover, clean the bathroom, wash-up, and so on. 1. Ask, don't tell. If you bark orders, people will do them.. but they'll put no effort into it and you'll distance yourself from them. Ask if they could do something for you. It's a politeness, nobody ever says no unless there is an issue which you need to deal with anyway. 1. Pick your battles. Is it worth moaning at someone for that little infraction? Or can you get over that message another way? i.e. I don't like people having drinks on the till counter, so when I take over to cover for them for a break, I just move it. After a while, no drinks appear on the counter. 1. Be honest. If you don't know, say so.. ask for input. Weigh up the options out loud, then pick one, explain why, and go for it - or better yet, get the person that thought of it working with you (not for you) to implement it. If you're wrong, hold your hand up and try the other suggestion(s). 1. Always take responsibility when things go wrong - that is actually your job. When things go well, use *you* and *we*. If things go badly, sometimes *I*, sometimes *we*, but never *you*. 1. Always be pro-active with money. If you owe your staff money for any reason, chase them to give it to them, never let them chase you. If there even *might* be any problems at all with money, let everyone know as soon as you know. Go out of your way to ensure they get what they're owed *now*, not later. I just did this today actually, I forgot to do expenses for someone and switched over the till so there wasn't enough cash in the new till to cover it.. so I just took it from the money to bank, and marked down why there was a discrepancy on the paperwork and will do the same tomorrow when that doesn't match by the opposite amount. I should not do this at all, but it's the right thing to do. 1. Listen carefully. Often employees have problems but won't bring them up, either they don't think anything will get done, or they don't want to get someone in trouble, or something else. However, if you listen and observe carefully, often there are clues to the things that are bothering them and you'll find ways to tackle them. 1. Don't run a team meeting until you know everyone, if you can avoid it. You don't know shit about how the company works, who the people are, what makes them tick, what they do, and so on. All you'll do is come across as a bit of a tool, and distance yourself from them (as boss). When you do run one, just guide it, don't lead it. Always hand over control of the conversation as much as possible, except of course where you've got things that they need to hear. 1. Never joke about your 'power'. i.e. Don't mess about saying how you'll fire them if blah, or how you'll give them all the shit work, or mention pay jokingly, etc. I had a boss that did that when drunk, not in a serious way at all, and he was very widely hated for pretty well nothing other than that. It served as a constant reminder that he's separate from us. 1. Give people room, but don't be taken for a ride. If someone is late once, fine, I wouldn't even mention it. Late again, maybe I'd make a light joke of it. Late again.. we'll have a chat.. always listen to what they have to say, is there any way you can help? But, don't be taken for a ride. I've had people pick me up on being late the very first time I was late, and you know what, I was more late for that job from then on than I've ever been before or since. 1. Try to get your employees to come up with ideas to move the business forwards. It's very easy to look at a business and say ""we need this, that, and the other doing.. like this!"". But you need to get your employees to buy into it, or they just won't do it properly. It'll be like getting blood out of a stone to start with, but if you're patient and support their ideas most people will come around. You *need* their input as they know their job better than you. 1. EDIT: Always be clear what you want from people, when. Speak with them about the task(s) before-hand to make sure they're comfortable with it and think it can be done in the time. So many times I've been given tasks with unrealistic deadlines, the manager hasn't wanted to listen to my protests, then wonders why it didn't get done in time. It's crazy really, wanting something to be possible doesn't make it so. *A (not so) Quick Example* One volunteer said to me that we should halve the price of all the fiction books to .99 to compete with other shops. I personally don't think that's a good idea (our shop has better quality stock and is much more organised), but I have no evidence to the contrary, and I honestly don't really know.. so I say go for it and support it completely as a good idea. We tried it for a month, and we made exactly the same amount of money.. sold twice as many books, but no extra cash. So it was valuable to do, and we discovered that maybe 1.49 might be a good option to try. But, far more importantly, they saw their ideas put into action right away, and saw the results of that. It empowered them, which is incredibly important for a wide variety of reasons that are too much to go into here, but basically it makes them feel more respected, enjoy their job more, think more about the business, and so on - you know what it's like when you're empowered, how good it feels. However, it's being empowered with the support that's important, something which you personally going into your new job don't feel you have, which leads to the anxiety and so on I'm sure you're feeling now. Don't put your employees in that position if you can help it. There is also another reason why I outright supported their idea from the offset. It didn't work (although we didn't loose anything) and I thought it wouldn't, but I can say ""*we* tried"". It wasn't down to that one person, they didn't feel bad that it didn't work because I was right behind it, and it's my job to take responsibility. If it had been *their* idea that had failed, they wouldn't give any ideas ever again, and everyone else would be put off too. As soon as anyone tries to take personal responsibility, and they will, stick to your guns in supporting them.. stronger than ever. Now we're getting a lot of ideas all the time, they're having in-depth discussions amongst each other, they're pro-active, and so on. As a business we're doing much better now because of it.. profits are up 15% from last year and we've only just begun to kick things off, and that's going against a national trend downwards. We've had several critical changes to our shop layout, back-room organisation, results reporting, stock handling processes, and so on.. all from volunteer ideas and feedback. So the 15% is actually the tip of the iceberg, what we've got in place now should allow us to grow more quickly too. And remember, you can make suggestions too of course.. but they're just that, suggestions. Suggest them to your employees, speak with several of them, then get back to them when you've made a decision. Don't say ""I'm thinking of trying this"", say ""I was just thinking.. what about this? Do you think it would work?"" and talk about it. Think of arguments against your idea, see if they counter them, and so on. Now.. how many of these changes did I think of before-hand and want to enact? About half.. so we've got a significant number of successful ideas that I personally hadn't thought of, everyone's happier and working harder for the business, and we have a bright future. I have more ideas too, and people listen to and respect them now just like I have with them. I think that's the key to it all really. Show your employees respect, and they'll show you it in return."


Your practice of waiting until you can pay cash is a good one. It will certainly prevent you from getting into debt! Now, to be clear, your question puts a credit card in the same category as a loan, but it doesn't have to be. You could use a credit card almost like cash, if you are careful. I'm not familiar with the system in France, but in the US, even if you are paying cash all the time, there are some benefits to getting a credit card and paying it off in full every month, instead of simply paying with cash. Some of those benefits are: One pretty big downside of having a credit card depends on your personality. Some people, once they have credit, end up spending beyond their means, and end up getting into debt. Please look into whether credit cards work the same way in France before considering the above advice. As for your question regarding getting a loan vs paying cash, that will usually be personal preference, since with a loan you can buy expensive items (such as a house or car) much sooner than you otherwise could if you waited until you saved the money. For example, it might take 10 years or more to build up enough money to purchase a house with cash, so if you don't want to wait that long, you'll need to finance it.


"Stock price is determined by the buyers and sellers, correct? Correct! ""Everything is worth what its purchaser will pay for it""-Publius Syrus What causes people to buy or sell? Is it news? earnings? stock analysis and techniques? All of these things influence investors' perception of how much a stock is worth. If AMZN makes a lot of money one quarter, then the price might go up. But maybe public perception of AMZN changes because of a large scandal. This could cause the share price to decline even with the favorable earnings report. Why do these 'good' or 'bad' news make people want to buy/sell a stock? People invest to make money. If it looks like a company is going to take a turn for the worst, people will sell. If it looks like the company has a bright, cash-laden future in front of them, people will buy. News is one of the many factors people use to determine how well a company will do. Theoretically could a bunch of people short AMZN and drive down the price regardless of how well it is doing? Say investors wanted to boycott AMZN in order to drive down the cost and get some cheap shares. This is pretty silly, but say for the sake of the argument that everyone who owned AMZN decided to sell their shares and no other investor was willing to buy the shares for less than $0.01, then AMZN shares would be ""worth"" $0.01 in that aspect. That is extremely unlikely to happen, though, for two reasons:"


Agree with Michael here. The exchanges help you more than they will hurt. It begs the question why you want to avoid exchanges and the brokers since they do provide a valuable service. If you want to avoid big fees, most of the discount brokerages have tiny fees these days (optionshouse is down to $4), plus many have deals where you get 60 or more trades for free.


This sounds like a crazy idea, but in reality people don't make the wisest decisions when considering bankruptcy in Australia. My suggestion would be to get some advice from an insolvency specialist.


You should also be aware that there are banks that do business in the US that do not deal with Fannie Mae, and thus are not subject to the rules about conforming loans. Here is an example of a well-known bank that lists two sets of rates, with the second being for loans of $750,000 or more (meaning the first covers everything up to that) https://home.ingdirect.com/orange-mortgage/rates


"This may sound very ""tongue in cheek"", but the best thing you can invest in is to raise your income in order to increase your retirement savings. How much are you able to contribute to retirement now? I think you would be lucky to do $150/month and most months probably less than that. However, if you were making like 60k/year, and allowed a little lifestyle bloat, you could probably easy put away 20k/year. Once you are able to do that the savings you can manage now will be quickly eclipsed. Often times when people consider ""having their money work for them"" they often neglect to factor risk. Prior to investing one should have a proper emergency fund in place. That is 6 months or so of living expenses in a nice safe savings account. Those earn about 1.25% these days, which is pretty meager, but it does earn something. Once the emergency fund is in place, one can invest with impunity. Without it, you will have to liquidate investments if economic calamity strikes you. This could be done at a loss furthering the harm done by the calamity. Increase your income and create an emergency fund. Do those things first."


Why not just get a consolidated loan for 15K, and then $20K zero transfer? The Loan will have a payoff on the amount borrowed, probably a fixed payment which would be more than double the payment as if it were only $15K to start. That make sense? If you are approved for both pieces of this, it should help, what is going to be the rate on the loan? The process you are starting has 3 aspects - cut spending, reduce interest, minimize payment obligations. If you do anything to earn more, even a few hours a week it will add up. I would not reduce any credit lines. In a perfect world, you will have a buffer of money to cover any expense. Until then, available access to money is important, but of course to be used either for emergencies or when cash is there to pay the bill in full when it comes in.


Your article uses two metrics, number of lawyers per capital and number of lawsuits. I don't think those simplistic metrics are sufficient to count as science or even a fully reasoned analysis. Perhaps number, + dollar value, +validity, +lawsuits that are threatened but not followed through with. I actually live in Germany, after having grown up in the us, and it's very clear to me that the US has a significantly shittier environment surrounding litigation.


"The ""Deferral"" for the 401k means that you're not collecting your pay immediately, but instead diverting it to a retirement account (Roth 401k in this case). This article defines deferral well: What is the difference between a regular 401(k) deferral (pre-tax) and a Roth 401(k) deferral? Under either a regular 401(k) deferral or a Roth 401(k) deferral, you make a deferral contribution by electing to set aside part of your pay (by either a certain percentage or a certain dollar amount). For a regular 401(k) deferral, the taxable wages on your W-2 are reduced by the deferral contribution; therefore, you pay less current income tax. However, you will eventually pay tax on these contributions and earnings when the plan distributes the regular 401(k) deferrals and earnings to you. The result is that the tax on the regular 401(k) deferrals and earnings is only postponed. A Roth 401(k) deferral is an after-tax contribution, which means you must pay current income tax on the deferral. Since you have already paid tax on the deferral, you won’t pay tax on it again when you receive a distribution of your Roth 401(k) deferral. In addition, if you satisfy cer tain distribution conditions, then you won’t have to pay tax on the earnings either. This means that the distribution of the Roth 401(k) earnings can be tax free not just tax postponed. Traditionally, this deferred compensation typically was directed to a 401k, but now that Roth 401k is another available option, deferred compensation can be directed there as well."


**Potlatch** A potlatch is a gift-giving feast practiced by indigenous peoples of the Pacific Northwest Coast of Canada and the United States, among whom it is traditionally the primary economic system. This includes the Heiltsuk, Haida, Nuxalk, Tlingit, Makah, Tsimshian, Nuu-chah-nulth, Kwakwaka'wakw, and Coast Salish cultures. Potlatches are also a common feature of the peoples of the Interior and of the Subarctic adjoining the Northwest Coast, though mostly without the elaborate ritual and gift-giving economy of the coastal peoples (see Athabaskan potlatch). Potlatches went through a history of rigorous ban by the Canadian federal government, continuing underground despite the risk of criminal punishment, and have been studied by many anthropologists. *** ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/business/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot) ^] ^Downvote ^to ^remove ^| ^v0.27


There are two answers to this (excluding central banks which are really just a banks to private banks): **Please note: This is an oversimplification and not accounting for the fact that banks operate in both categories now. ** Banks are either depository institutions or financial service/transaction providers. * Depository institutions are your typical retail bank (regions, boa retail, wells fargo retail, etc). They accept deposits from account holders and lend out via reserve lending to mortgages and business loans for their revenue generation. * Financial service/transaction providers are better known as IBanks. You have your Goldman Sachs, Deutsche Bank, JP Morgan, Morgan Stanley, etc. These have traditionally been banks that do not accept deposit accounts but revenue generation comes from financial services such as asset management and research or from financial transaction facilitation such as market making (offering both buy/sell quotes in capital markets). This is generally the role that banks have played historically from the medieval ages on... They started out as being entities that provided access to connecting buyers and sellers of markets.


Not really. This just shows you might be able to fill huge orders a little less cheaply now, but then somebody else gets to fill it at a better price and the HFT/Market Maker took on some risk for some profit. That's pretty much the definition of providing liquidity. How is this raising prices? It's not. Raising prices would be if HFT bought like 2mil worth of stock and just held it for some time, then tried to sell it to you later at a better price, but that's just investing.


Your edit indicates that you may not yet be ready to get heavily involved in investing. I say this because it seems you are not very familiar with foundational finance/investing concepts. The returns that you are seeing as 'yearly' are just the reported earnings every 12 months, which all public companies must publish. Those 'returns' are not the same as the earnings of individual investors (which will be on the basis of dividends paid by the company [which are often annual, sometimes semi-annual, and sometimes quarterly], and by selling shares purchased previously. Note that over 3 months time, investing in interest-earning investments [like bank deposits] will earn you something like 0.5%. Investing in the stock market will earn you something like 2% (but with generally higher risk than investing in something earning interest). If you expect to earn significant amounts of money in only 3 months, you will not be able to without taking on extreme levels of risk [risk as high as going to a casino]. Safe investing takes time - years. In the short term, the best thing you can do to earn money is by earning more [through a better job, or a second part-time job], or spending less [budget, pay down high interest debt, and spend less than you earn]. I highly recommend you look through this site for more budgeting questions on how to get control of your finances. If you feel that doesn't apply to you, I encourage you to do a lot more research on investing before you send your money somewhere - you could be taking on more risk than you realize, if you are not properly informed.


I'm a sysadmin by trade. Yes there's still a lot of skeptimism towards MS, as sysadmins are much slower to change their views. But a lot of admins are well skilled in MS services. Rarely will you find an admin that hasn't managed an AD environment at least once in their life.


The root cause can be said to always be a crisis in confidence. It may be due to a very real event. However, confidence is what pushes the markets up and worries are what bring them down.


You're not talking about capitalism, you're talking about hate for the bourgeois which you refer to as parasites, thus making you the proletariat. You don't own a business, you work for one. If you wanted to create a company, you could because you have the freedom to so do, the opportunity to sacrafice (as this guy did) through discipline and determination. But you don't-- you prefer to debate religion and give people advice and make assertions on the internet. Capitalism is an economic system that is based on private ownership of the means of production and the creation of goods or services for profit. (taken right from wikipedia). This guy built a company from the garage of a small house, driving a 12 year old car while his friends drove new cars and enjoyed healthy salaries. Today his company has 7,000 employees and lots of revenue. Who did he exploit? It sounds like he produced a service, for profit. So what is exploitive? The fact that his revenue and profit are larger than most? His net profit is much lower than gross profit because of already high liabilities, not only including various taxes, but as much or more in mandatory insurances, I'd wager the net profit is less than half of the gross profit. If his liability increases, there is less incentive to continue operations. The fact is he created his business and he can do with it what he pleases.


The cost for publication is US$ 25, which they accept only via money order or check. I only own a saving account in an Indian bank. India does not have International Money Order to US. If check's are fine, walk into your Branch and request for a US Dollar Banks Check. They should be able to arrange for one, there are fees associated with this. You can then mail this out to the US Organization.


Most of the Walmart hate can be traced back to Unions who have been trying to get in for years, this is not about the employees. I see no evidence that Walmart has less pay/benefits than a comparable job at any other store. Also the other big box stores are not unionized either, but Walmart is the biggest so they go after them.


"You don't understand any of the issues involved, and you look like an idiot commenting on them. Congress controls the Fed's mandate. They could change it from ""price stability"" to ""hyperinflation is a good idea"" and they'd be printing the next day. There are many good reasons why they don't do that."


> Arguably, the dollar today is essentially backed by oil i.e. as economists say the 'petrodollar'. This isn't really true. The exchange rate between USD and a barrel of oil floats with the market whereas it was fixed with gold. Also by the nature of the way oil is consumed it doesn't make sense to think of it this way - gold retains state when used whereas oil is burnt up never to be seen again.


"it's a joke brah. And even if it wasn't your comment isn't a very effective argument against it. You stated your opinion, and cited ""books"". What books? What do the books argue? How to they defend their arguments? Why is Internet discourse so obnoxious?"


The original poster's concern is valid. Sometimes, market orders do get executed at seemingly ridiculous prices. In addition to Victor's reasons for using a market order, sometimes a seller does not care how low the price is. For example, after a company goes broke, its stock continues to trade for a while. This allows shareholders to realize their losses for tax purposes, and allows short-sellers to close out their positions. A shareholder who is trying to realize a 10 dollar per share loss for tax purposes probably does not care whether he gets 10 cents per share or 0.001 cents per share, so a sell-at-market order makes sense.


"What this means is this: The authors of the website claim they have calculated the cost that it will take to ""fully fund the Medicare, Medicare Prescription Drug Program, Social Security, Military and civil servant pensions."" They claim that the government will have to spend $114T to do the things it is currently promising to do, and it hasn't set aside the money to do it. That's what is meant by an 'unfunded mandate'. Firstly I would take with a grain of salt the calculations of any website which claims the US is a kleptocracy in its title. You know they are coming to this with an agenda. Secondly this is money that the government has not actually spent. The government doesn't owe this money to anyone, and it is absolutely untrue that ""you are responsible along with everyone else to pay this back"". The worst they can claim is that the government will, one day, have to spend it - assuming that nothing else changes in that time. A government could pass a law that reduced Medicare, or raised taxes, and the 'unfunded mandate' would simply go away. Thirdly the calculation must assume a time period over which the money is spent. But the site carefully doesn't specify it. They can make the amount bigger or smaller as they choose, just by changing the time period over which it is calculated. To give an example, an unfunded mandate is a bit like enrolling in a four year college course without knowing how you are going to pay for it. You've said you are going to spend money on tuition - you may even have promised your mother you will finish the course - but you can in fact drop out if you choose and you don't owe anything for courses you haven't taken yet. Some unfunded mandates can be legal obligations, but this isn't one. And in neither case are they money you actually owe. That's not to say that unfunded mandates are not a cause for concern - they represent a discrepancy between what a government says it will do, and what it can currently afford to do. As an illustration of how this works, you can look at either Russia ten years ago or Greece right now. All the expenditures in these ares are being cut. People are certainly angry, but there is nothing they can do to force the government to make those payments."


I have to second what the poster said above me. The person at the dealership is outright lying to you, and I really don't know where the misconception comes from. I work in finance and specialize in credit. Credit is your ability to repay. Simple as that. To lenders, constant carrying a balance on your credit cards looks like your don't have the ability/discipline to repay your debt and will look bad in the future if you are ever trying to borrow more.


I've seen a lot of people with what seems to be important titles next to their names talk about a stock market/U.S. dollar collapse or bubble burst. Is there anyone with any insight to the potential of something like this happening?


The underlying investment is usually somewhat independent of your mortgage, since it encompasses a bundle of mortgages, and not only yours. It works similarly to a fund. When, you pay off the old mortgage while re-financing, the fund receives the outstanding debt in from of cash, which can be used to buy new mortgages.


Hey, to be a bit more personal, I'm in a similar situation (albeit houses near me are all like $300k for a shack). Don't rush into a house that will make you miserable, either because it's crap, or because it'll cost you an arm and a leg and your firstborn. It's perfectly fine to rent another year or two and build up your downpayment, credit history, and credit score.


Yes, take the new rate, but instead of using the new 30 year term, calculate the payment as though the new mortgage were at the remaining term. 3 years into a 30? You calculate the payment as if the new mortgage were 27 years. This will tell you what you are really saving. Now, take that savings and divide into your closing costs if any. That will give you the break even. Will you be in the house that long? If you can find a no closing cost deal, it's worth it for even 1/8% savings.


"If that's your goal. Watch the entire webinar on warren buffet books by Preston Pysh first for a good intro into stocks bonds etc: https://m.youtube.com/watch?list=PLECECA66C0CE68B1E&v=KfDB9e_cO4k Read Dale Carnegies book ""How to Win Friends and Influence People"" in order to learn how to communicate to people effectively and create networks. The most important skill in any field you choose to go into. Read ""The Everything Store"" for essentially an MBA in business. Read ""The Intelligent Investor"" by Benjamin graham for a bachelors in finance. Then take classes that get you the very best professors in the field of finance, economics, and business at your school and make sure you never stop asking questions. Continue to develop your skills and create good saving & communication habits. And if you want great jobs, get internships. To get internships be involved in as much as you can in campus and take leadership roles (especially when you think you can't handle it) you will grow quickly as a leader and businessman if you do it right. If reading is a bit much for you, try audiobooks. And make sure you enjoy college and surround yourself with ambitious youngsters like yourself. It will help you grow. Enjoy school and be social, make mistakes and do whatever it takes to get a minimum 3.5 GPA (get old tests study groups easy teachers or GPA boosting classes if you need to) Aight that's all I got haha"


"Look lets be honest here. You want certain things and you want to force other people to provide them for you against thier will. If what you want is so awesome and good how come people don't voluntarily do it? I'll tell you why, Because they are already being robbed for an ever increasing amount of their pay and effort. The slavery portion of thier cheque is consantly increasing. Stop stealing from people and forcing them to do things against their will and they may surprise you and do things for themselves and their neighbours without being forced to. Edit..Just because someone stole the money to pay for it for you does not make it free. The idea that anything is ""free"" is crazy leftwing bullshit."


Actually, what he wrote was: > If American is to succeed in the years ahead, it must pay wages and benefits, and operate using work rules, which produce labor costs equivalent to or – while American gets itself back on track – lower than those of its major competitors. In the long run, no successful service company can offer compensation and working conditions that are materially different than those of its competitors.


Like I said in my comment below, it depends on price action and potential reward. The guys who called the housing bust too early in ~2004 paid pennies on the dollar to hold those bets for years before finally getting paid a jackpot. If those same guys were losing 20% a year, then I'd agree. Holding for 4 years is suicidal. At this point I feel it's too early to tell. If 2020 rolls around and we never saw a muni collapse then I'll say her overall theory was still correct, but she failed to account for variables which could save the muni market.


"Investing in an existing company is almost like buying a house, or even becoming an ""Angel investor"" in a start-up. Before you start the process, decide how much you want to be involved in the day-to-day and which industries you would feel most comfortable in. The latter is an important consideration since you would have to know sufficient about the industry in order to evaluate the quality of your prospective investment. Searching for a suitable business is a time-consuming process: The guidance for evaluating any company has been answered in another question, so I'll simply link. Most business owners are looking to their businesses to provide them a pension, so they often look to sell around retirement age. Buying such a business is tricky - you may be assisting the next generation to finance the purchase which can have it's own struggles. Ideally you'll be looking for a young(ish) company with proven sales and which is looking to finance growth in an optimal way. Such a company may have many options for raising capital so you'll be competing to invest. As to whether or not it's a good idea... KFC only became a household name and global franchise after Pete Harman joined Harland Sanders as a partner. Richard and Maurice McDonald may have founded McDonald's but it was Ray Kroc who made it a success. New partners bring in new ideas and fresh energy which the original entrepreneurs may have lost during the difficulties of starting out. But that goes back to my first query; just how much do you want to get involved?"


We offer best scooter ramps used to load scooters into vans, utility vehicles and in min vans. We are the leaders in designing, developing and manufacturing of scooter ramps. We have been manufacturing scooter ramps from several years and currently, we are offering different types of mobility scooter ramps. We have been known to deliver scooter ramps in time.


Seems like a good deal to me. You are paying less interest over the lifetime of the loan. And what I would do is take the difference between the new payments and the old, put it into a savings account each month, and when the savings account exceeds the balance of the loan pay it off.


Another factor not mentioned are the rent prices in the area you are looking to live. I'd recommend buying a house of which the total monthly costs (mortgage, insurance, repairs, etc) are equal to or less than renting a house in the same area. If you can't find a property for sale that meets this requirement, you might actually be better off keep on renting, at least for a while, because you risk paying too much for your living expenses. A second point is, if possible, to buy when the mortgage interest rates are low, and then go for a mortgage with fixed interest and fixed repayments. While such a mortgage will be more more expensive than one with variable interest, and house prices are higher when mortgage rates are lower, future inflation is almost a certainty. And if your interest rate was fixed, and you are confident that you'll be able to negotiate salary raises in pace with the inflation, then inflation will gradually whittle down the rate between the mortgage payment and your income. Conversely, if interest rates are historically high, with no lowering in sight, then a variable loan might be more interesting. And do shop around for mortgages, there are many banks out there, the competition between them is heavy, and many banks, especially the smaller banks, will often be willing to give you a mortgage at better conditions than their competitors.


"The graphing tools within Yahoo offer a decent level of adjustment. You can easily choose start and end years, and 2 or more symbols to compare. I caution you. From Jan 1980 through Dec 2011, the S&P would have grown $1 to $29.02, (See Moneychimp) but, the index went up from 107.94 to 1257.60, growing a dollar to only $11.65. The index, and therefore the charts, do not include dividends. So long term analysis will yield false results if this isn't accounted for. EDIT - From the type of question this is, I'd suggest you might be interested in a book titled ""Stock Market Logic."" If memory serves me, it offered up patterns like you suggest, seasonal, relations to Presidential cycle, etc. I don't judge these approaches, I just recall this book exists from seeing it about 20 years back."


"tl;dr: Sears is failing because the CEO is running the company into the ground for personal profit. There have been many, many articles written on the issue. The CEO is having the stores sell their property, at a discount, to one of his other companies, then having the stores pay rent. Except boutique stores actually pay more money than Sears does. So whenever a store closes, his other company can rent the space out for almost double. Oh, and he encouraged a corporate culture where the department heads use those screen protectors hospitals use to keep each other from spying on their laptops during meetings. The way IT works, some departments actually contract out to a 3rd party rather than going through corporate, since it's cheaper. Yes, departments individually have an IT budget, and are required to have their own ""Contract"" to use in house IT. It's so bad that, many employees say they are explicitly barred from helping another department. So, customers feel snubbed and end up balking because there's no one to help them, or to run the register. That's the power of a bad CEO that the board refuses to fire."


My grace period is up in a few months, and I am not looking forward to it. I got the minimum federal aid possible for all 4 years, so I had to turn to private loans and whatever I could make over summers and what my parents could help me with. Ended up with $50k in debt, about 20k of it being with Sallie Mae. I can confirm they are bad on the collection side already. Just happened to miss a payment during school (paid off interest every month for the last 4 years), and they called me 3 times during class, sent an email, letter, and called my bilogical dad who cosigned for the loan. I can only imagine what they are like for people defaulting. All comes down to it though, have a plan when borrowing money for school. I knew my parents would only be able to help me out a little bit, and I got minimum federal aid (as in just loans) because my step father had assets that counted against me (and he told me I was on my own). So I had to figure out how to not be screwed from the beginning. I paid off my interest every month while working during school, and made sure to work hard to graduate with a good job. I can't imagine how some students feel when they graduate with nothing.


Well, Roku seems to be what is getting imbedded into TVs and even SlingTV offers a free Roku with a 2 month prepay. It seems they are doing a good job of getting it out there and getting eyes on their adds over an Amazon or Chromecast.


lol it's a dying job my man. But if you think about it, an algo is basically a formalized array of someone's personal judgement and trading patters connected to direct market access. I was just lucky to fill a junior role in a shop run by guys who have seen 30 year bonds they invested reach maturity. But yeah, theyre not gonna hire a freshie who doesn't know basic market mechanics, asset valuations, etc. It's just harder now to get gigs like this because the industry has shrunk so much and the role of a trader has shifted much faster to automation than many expected.


Problem is that in California it's up to the lawyer to prove that the employee is lying. So if an employer is sloppy as was probably the case here the employees can say whatever the fuck they want to say and it's considered the truth until proven otherwise. Just writing down all the hours you supposedly worked the night before reporting it to the labor board is sufficient. Had an employee once that lied their ass off. Overwhelmingly proved they were lying. Still had to pay legal fees in the thousands of dollars (while they get everything free). And they can continue to do this as many times as they want for up to three years after their termination as long as each time it's a different complaint (in theory someone bored and persistent enough could bankrupt a small business this way with no and I mean no recourse whatsoever) Fuck California.


Just like many other industries, entertainment is becoming a commodity of convenience which means that it also is getting far less profit margin. It won't die, but the money that keeps the big named companies in the black is slowly petering out. They are going to fight this tooth and nail just as past companies in other industries that have paved the same path have tried. Any sense of success on their part only makes their fall much harder down the road. We are moving into a world where entertainment is more plentiful and cheap, but the cost will be that we see fewer big budget offerings.


Why is it that we, as a society, are wishing, even dreaming that house prices can return to where they once were? It seems so obvious that we play in semi false statistics so we can believe what we simply want to. Who benefits the most from high real estate, is it the banks, home sellers, agents of the industry or perhaps home buyers? Who is more important to a flowing economy the home seller or buyer? Obviously both sides need each others value, so who wins, seems like the bank? Im starting to deeply see how our news and media is blindly dividing our generations while still ignoring the real truths. Depending which way your perspective leans, is it really baby boomers vs the millennials? Heres my sincere question whats good for ALL age groups?


"I have 2 PayPal accounts for this purpose (with different email addresses). The first account is tied to my real email address, and has my real name, phone and home address associated with it. This account is also connected to my bank account and credit cards. For riskier transactions where I don't need physical delivery (or will accept delivery to my local post-office in cases where I don't trust the seller with my personal details) I use my secondary account, which has a secondary email address of mine, and a fake name and with a fake address, it is not connected to any external accounts. To send or receive money ""anonymously"" I first send money from my real account to my fake account (inter-account transfers are free with PayPal), and then send the money to the seller from the fake account. This is in violation of PayPal's terms of service, but I've been using this system for the past 5+ years without any issues."


Just playing devil's avocado here, but if you can't stop smoking weed long enough to find a job then it's really your problem. Almost every job I've applied to has had a drug test, including office jobs. If you can't lay off the devil's lettuce for 2 goddamn weeks and maybe drink some fucking water then what do you expect? This is coming from a chronic weed smoker.


Yep, worked in same kind of company. I have seen great people getting fired, when I could see them performing great with better guidance, or working in a different department. Instead they would put them on performance plan with unreachable targets. A guy I knew hit his targets while on perf plan, still the manager found some bullshit excuse to get rid of him. I ended leaving in the end as I saw it coming.


There may be more, but a good starting point would be the ecoENERGY Retrofit Grants and Incentives. Natural Resources Canada's ecoENERGY Retrofit program provides financial support to implement energy-saving projects. There are different application processes for homes, commercial and institutional buildings and industrial facilities. Together we can reduce energy-related greenhouse gases and air pollution, leading to a cleaner environment for Canada. Also, there was a temporary home renovation tax credit about a year back, but that no longer exists and nothing has replaced it yet.


"It's anonymous/automated. They don't know who you are, just that customer x1a bought y. If your name isnt given to employees ""your"" privacy isnt being volated because the dont know its ""you."" I imagine the government justifies their intrusions on our digital privacy the same way."


I think you're over complicating it! There is the market maker in the pure sense as what chilldontkill said - a bookie, a middleman. They are just the brokers in between the buyers and sellers, and they simply make profit off of the spread differential. But market maker is also used to refer to large, high volume buyers and sellers that can influence the price because they control a larger % of volume. These only really exist on low volume products, and they slowly ween out the larger the volume. On higher volume products, I like to refer to them as institutions - that is, well informed, large pockets - whether is be central banks, clearing houses, hedge funds, boutique firms. These are the people who are generally in the know and they often bet against eachother.hope this helps ...


I didn't. If I did buy a product made by exploited labor, that doesn't make exploited labor any less bad. There's no reason we should continue to do something that we universally agree is bad. Let's, ya know, strive to exploit less.


I am in the same boat as you right now, I have about a year experience working for a financial advisor but even then it is not relevant enough for being an analyst. I have put in over 120 apps over the past month and a half to any position that I meet 90% of requirements. The only thing I don't have is years of experience. I know how to code VBA, and how to build financial models but alas, I am looked over. I have also been trying to network like crazy and just accepted to do a temp job working for a bank as a loan analyst and hopefully that will pan out into something better. Many jobs want experiences with SAP and SQL, and I don't have either of those either, and there is no where to get experience because no junior analyst positions will take me without enough experience. I turned down a banking internship because I did not want to take out loans for college, and now I am thinking I made the wrong choice. Hopefully some one will pick us up and catch us up to speed soon! What area are you living in? I am in the Chicago area and I see new postings every day. Also are you going to every job board? Career-builder, Monster, Indeed, LinkedIn, Craigslist? I have also hooked up with a few recruiting firms, they are the ones who got me the temp job. If you are in the Chicago area I will recommend a few for you to look into and a couple to stay away from. Good luck on your search! I know you need it, because I need it too...


Hold onto that money, put it in savings. With such a change in the US government, who knows what will happen - and if things start to go sideways, having savings - so that you can continue paying your mortgage, and thus keep your house - is going to help you more than being able to throw more money at your mortgage principle. (Unless you can pay it off totally. Then do that.) I would build more of an emergency fund (2 years, just to be on the safe side), THEN see what other things are going on in your life, and what's going to be more advantageous for you. (That's a nice low interest rate. Not many other loans these days are going to have an interest rate that low.)


Inflation is an increase in the money supply. Increases in consumer prices follow from inflation. It's not the same as inflation. Some inflation is necessary for a growing economy. If your gross national product is only $1,000, then you can get away with having less money than if your gross national product is $1 trillion. Inflation beyond this, though, is used to allow governments to live beyond their means. If there is more money chasing the same amount of goods, prices will rise. There is truth in what azcoastal says about this kind of inflation. It's theft. Governments like inflation because it allows them to pay off their debts with cheaper money.


Ok but if there's no money and nobody willing to lend, how are those payments made? It's fine and dandy to have the theoretical obligation and willingness, but I'm wondering what happens when there's simply no more capability to borrow more. Edit: Funny you say that, I'm moving in!


"Uh, you want to lease a car through a dealer? That is the worst possible way to obtain a car. Dealers love leases because it allows them to sell a car for an unnegotiated price and to hide additional fees. It's the most profitable kind of sale for them. The best option would be to buy a used car off of Craigslist or eBay, then sell it again the same way when you leave. If you sell the car for what you paid, then you get the car for a year for free. If you are determined to go through with the expensive, risky and annoying plan of leasing a car, then you should use a leasing agent. I recommend reading some car buying guides before going out into the wilderness with the tigers and bears. Comment on Leasing Tricks Don't get tricked by the ""interest rate"" game. The whole interest thing is just a distraction to trick you into think you are getting some kind of reasonable deal. The leasing company makes most of their money from fees. For example, if you get into an accident it is a big payday for them. The average person thinks they will never get into an accident, but the reality is that most people get into an accident sooner or later. They also collect big penalties for ""maintenance failures"". Forget to change the oil? BOOM! money. Forget to comply with manufacture recall? BOOM! more money. Forget to do the annual service? BOOM! more money. Scratch the car? BOOM! more money. The original car mats are missing? BOOM! you just paid $400 for a set of mats that cost the leasing company $25 bucks. The leasing company is counting on the fact that 99% of people will not maintain the car correctly or will damage it in some way. They also usually have all kinds of other bogus fees, so-called ""walk-away fees"", ""disposition fees"", ""initiation fees"". Whatever they think they can get away with. The whole system is calculated to screw you."


Can I still use the old EIN from partnership times for the new sole proprietorship? Or should I apply for a new EIN? You cannot use the same EIN. Unless you have employees, you should use your SSN for the sole proprietorship. If you have employees - you should get a new EIN (if you don't have one already for yourself as a sole proprietor - you can only have one). Can I actually start to use my SSN in this situation for the sole proprietorship? In this particular case, not only you can - you should.


This link might help determining if American Express is willing to offer a card in the UK. I did it the other way around when moving from the UK to the US and getting a US card was pretty painless; I also didn't have to close the UK card, although I'm probably going to do that fairly soon. You will need a UK bank account so your employer can pay you; If it is a big enough employer their HR department might have deals with a local bank; a smaller employer might simply be able to refer you to their bank to help you open an account there. My first bank account in the UK after moving over there from Germany was with HSBC (then Midland Bank) - HSBC seems to be pretty open towards customers moving to the UK. Plus, they're pretty much everywhere. If you're planning to come back to the US and especially if you have any US-based ongoing expenses, I'd keep at least one bank account in the US open (but keep an eye on it).


Chinese culture is one of the ancient cultures of the word. Mandarin is the main language of this culture. If you want to know about china then you have knowledge about mandarin. To become the master of mandarin you need an excellent learning school. Sprachschule Nihao gives you the opportunity to become the master of mandarin.


It isn't that good for EU banks either, but ultimately, it will be easier for them. The splitting of entities will be a common problem and not just in banking. However there can be no joint organisations without a joint regulatory mechanism and the British government have rejected that.


Yes. It is a scam. The story makes no sense. They just want your info to steal your money. regarding requests to know how it works: the scammer is requesting: username, password, routing number, checking account number, and security question/answers. they now have access to your bank account. they will have access until you are able to shut it down. Once they have your password, they can change it to whatever they want. it can be used to launder money, steal money from other accounts you have, proof of identity...


Engagement rings shops are an incredible blessing to present to ladies on any event other than engagements and matrimonial services. Presenting a design ring, upon a friend or family member, a dear companion, your mom, sister is a magnificent thought.


https://www.socialyup.com/buy-facebook-poll-votes : If you want to get the instant success in the Business contest then get real Facebook poll votes from this site at the cost reliable price. This way you will get the maximum number of votes on your post that will help you to win this online Facebook contest.