"Why not both? I have been working and studying at the same time since I was 13... for all purposes, when I finished high school, I was working and studying part time... until I got my B.Sc in Computer Science and Masters in Business Administration (MBA)... developed my career and now I am a senior executive making excellent money and supervising many people. In retrospect, I want to tell you that the degrees did not help me at all in my career in the sense that did not teach me anything of significance for real work and career life, nor did they lend me my first jobs. However(!!!), without a degree (piece of paper), I could not advance to my current position because ""degree required for this position"". One more thing, very important: when I studied for my MBA, and worked full(!) time, I had no choice but to take night classes (City University of NY, Baruch College, one of the best business schools in the country). **This was the best experience I had in all the of my college studies!** Why? Because all(!) the professors who teach in the night were working in the morning in their normal jobs - none of them were tenured professors. They were real business people, grounded, know what they are talking about, and they were teaching because they loved to teach and share the experience and knowledge. **Do you understand what I am saying here?** So, I did not get the theoretical nonsense from them. They actually taught us what really happens, the real approach to things, and the real issues to address. P/S: My son is following my way. Since he was 11, he works in the areas he like (Minecraft) and he made money since then, running classes, getting to know people in the field, getting experience, getting work ethics, etc. If he wants to go to Harvard, fine with me, but I think he just need to go to ""reasonable"" low cost college to get those pieces of papers called ""Diplomas""."


You cannot become a CFA charterholder without job experience (I think it is 5 years in a finance-related job). But typically, for students or recent graduates, passing the Level 1 exam has a lot of value as it signals your interest in the field and shows that you have the work ethic to go through the 1000+ pages of material. The incremental value of Level 2 and Level 3 is not as much, but they still add value. I did a career change into finance and I planned to take the Level 1, but I found that I didn't have the time to apply for jobs and study at the same time. I ended up getting a job without taking the exam. I did end up taking the exam last weekend after I started working at my new job.


You are looking for the Internal Rate of Return. If you have a spreadsheet like Microsoft Excel you can simply put in a list of the transactions (every time money went in or out) and their dates, and the spreadsheet's XIRR function will calculate a percentage rate of return. Here's a simple example. Investment 1 was 100,000 which is now worth 104,930 so it's made about 5% per year. Investment 2 is much more complicated, money was going in and out, but the internal rate of return was 7% so money in that investment, on average, grew faster than money in the first investment.


> Then I'll pay for those services as I use them. Not before. except for the fact that you need them set up before you use them >It's not cheaper for me. I don't have kids, no public school. I work from home, no commuting. It's a lose/lose scenario for me. think about it as an investment in the future for when you do need it, and those kids skills. >I work for the government. Many of the government services are valuable. It's just seems more logical to pay for them as you use them, like every single other business works. good luck getting the cashflow with that sorta system to work >Even more reason to test the experiment. Let's give it a try and see what happens. I'm sure I'll be fine. the experiment was conducted for hundreds of years it didn't work so we changed it, and then it worked a lot better, if you try that experiment we know it was fail. >Actually you don't. You just want free shit like everyone else. honestly I do understand and I also believe in limits to what we expect the Gov to do, but the current rhetoric around it is just stupid, read Bill Clinton's last book it goes into a lot of detail around it. Now here is something I want you to think about. A truck causes 50X more damage to the roads than a car does, so according to you a truck should pay 50X the road tax of a car, now after this happens how much more will you be paying for your goods, but thats alright you save a little on your road tax.


"Much of the interest on a loan comes in the first years of a mortgage, so the sooner you can pay that off, the better. But let's see what the numbers say. If you have a loan at 4%, principal of $100,000, a term of 30 years, then this gives monthly payments of $477.42 (using the Excel PMT function). If you sell the house after precisely 5 years worth of payments, then you have made $28,644.92 in payments, you still owe $90,924.93. Suppose you sell the house for $100,000. That means you will be in the hole for: $100,000 - $90,924.93 - $28,644.92 = -$19,569.85 Now, suppose you pay an extra $50 per month over the five years. The same calculation becomes: $100,000 - $87,659.98 - $31,644.92 = -$19,304.90 So in this scenario, which is a little simplistic, you are $264.95 better off. The question you have to ask is whether you could have done better investing the $3,000 in extra payments somewhere else. The CAGR in doing this is 1.7%, so you might be better off putting the money away. Running the same numbers for a 6% mortgage the CAGR you have is about 2.7%. Edit I've added a Google Docs spreadsheet (read-only) that you can download and play with. Feel free to correct anything you find amiss! Edit 2 OK, so I've had a look at what JoeTaxpayer is saying in the comments below, and now I agree: The CAGR should be 4%. Where I want wrong was to assume that the $50 per month payments over the five years are worth $50 * 5 * 12 = $3000. This neglects the ""time value of money"" --- having small amounts of money periodically, rather than all of it in a lump sum. Including this makes the ""effective"" value of the monthly $50 payments $2714.95 written as =PV(0.04/12,60,-50) in Excel or Google Docs. I've added a tab to the original spreadsheet to show the different calculations. Note that it still doesn't quite come to 4%, but I guess it's a minor error in the sheet. NB: I know, I'm leaving out mortgage interest tax relief, costs for selling etc. etc."


I agree that it sounds like a lot. The last time I read about it someone had been banned for violating the threshold. They were very angry. Their point was that it fails to account for volume of purchases or cost of items returned. They had been buying everything through amazon, so it was particularly harsh to be cut off, but they thought it was unfair since some people are able to exceed the amount of value returned comparatively several times over without violating the magic threshold. (i.e. return 40 $1 items and lose your account, but return 10 $1k items and you're fine).


"The goldbug crowd over on ZeroHedge's comments seem fond of reminding everyone that, while they might have bought and owned some gold in the past, they don't have it any more because they actually lost it all in a lake in ""a tragic boating accident"". And who's going to prove otherwise? For that group, who are convinced cash (""fiat paper"") will at some point be worthless, the stockmarket will evaporate, the highest grade bonds will default and bank accounts and other personal assets will be subject to confiscation and ""bail in""... general bug-out apocalypse in other words... having a ""secret stash"" of high-value physical assets is obviously quite important and reassuring and presumably totally ""worth it""."


"Most companies are taken over. One can reasonably guess that company X will be taken over for a price P, at some future point in time. Then the company has a value today, that is less than price P, by a large enough margin so that the investor will likely ""make out"" when the company finally is taken over at some unknown point in time. The exception is a company like Microsoft or Apple that basically grow too large to be taken over. But then they eventually start paying dividends when they become ""mature."" Again, the trick, during the non-dividend paying period (e.g. ten or fifteen years ago) is to guess what dividends will be paid in some future time, and price the stock low enough today so that it will be worthwhile for the buyer."


For any corporate or commercial event to be a success, it is necessary that, hosting of the same is done in a proper manner. And, apart from hosting, the event should also be documented too. For doing so, you will need assistance of professional photographers, who are skilled and experts enough, to be able to cover the big event in a systematic way.


"Yup, friends called us ""the web 2.0 power couple."" (That tells you something about when we got married.) When Thomas met me, he was world-famous and an awesome developer… and part of a 3-person consulting firm which gave him a middle class lifestyle. With my design and biz sense, we've created an empire. I'll pass on your compliments. He always likes tweets too - @thomasfuchs :)"


Depends on the job. At my current job, when I leave work for the day, I'm done. But I have friends who would likely lose their jobs if they weren't available outside of normal hours. They prefer having a source of income to not having one, even if it means that reddit user ngroot considers them a doormat.


Financial analysis and modeling. What I find intimidating about CFA Level 1 is not the difficulty level, but the size. As I mentioned above, it's most likely that I will be asked questions on the principles of accounting, financial statement analysis. Unfortunately, my knowledge of these is rather limited. Do you consider CFA level 1 curriculum materials to be a good resource for learning that?


"Any sensible lender will require a lean lien against your formerly-free-and-clear property, and will likely require an appraisal of the property. The lender is free to reject the deal if the house is in any way not fitting their underwriting requirements; examples of such situations would be if the house is in a flood/emergency zone, in a declining area, an unusual property (and therefore hard to compare to other properties), not in salable condition (so even if they foreclose on it they'd have a questionable ability to get their money back), and so forth. Some lenders won't accept mobile homes (manufactured housing) as collateral, for instance, and also if the lender agrees they may also require insurance on the property to be maintained so they can ensure that a terrible fate doesn't befall both properties at one time (as happens occasionally). On the downside, in my experience (in the US) lenders will often require a lower loan percentage than a comparable cash down deal. An example I encountered was that the lender would happily provide 90% loan-to-value if a cash down payment was provided, but would not go above 75% LTV if real estate was provided instead. These sort of deals are especially common in cases of new construction, where people often own the land outright and want to use it as collateral for the building of a home on that same land, but it's not uncommon in any case (just less common than cash down deals). Depending on where you live and where you want to buy vs where the property you already own is located, I'd suggest just directly talking to where you want to first consider getting a quote for financing. This is not an especially exotic transaction, so the loan officer should be able to direct you if they accept such deals and what their conditions are for such arrangements. On the upside, many lenders still treat the LTV% to calculate their rate quote the same no matter where the ""down payment"" is coming from, with the lower the LTV the lower the interest rate they'll be willing to quote. Some lenders might not, and some might require extra closing fees - you may need to shop around. You might also want to get a comparative quote on getting a direct mortgage on the old property and putting the cash as down payment on the new property, thus keeping the two properties legally separate and giving you some ""walk away"" options that aren't possible otherwise. I'd advise you to talk with your lenders directly and shop around a few places and see how the two alternatives compare. They might be similar, or one might be a hugely better deal! Underwriting requirements can change quickly and can vary even within individual regions, so it's not really possible to say once-and-for-all which is the better way to go."


You think that, but she's pretty much unemployable now. That's the point of golden parachutes. 23 million is nothing to what she could have made if she was successful. So she could have either been mega rich if she was successful, or have a decimated reputation if she failed. It turned out to be the latter. She's peaked and will never have a chance like that again.


Which is the right move. Lowes is not in the business of patching windows vulnerabilities and writing inventory management software. They are in the business of selling hammers. IT is a cost center for them, not a profit center. Cost centres that have nothing to do with your core competency are best outsourced, unless there is some mitigating factor. This is business 101.


I've seen this in my town. I don't know if they are charging for Teslas specifically, or things like the Volt (I don't own an electric car so haven't looked into it too much), but there are over a dozen places in my city that have parking spots equipped with charging stations. They are outside various retail locations/malls as well as parking garages at the local university. Keep in mind, this is not a major city. The total population is about 150,000 and that includes about 50,000 transient students who aren't here during the summer.


Not really practical... The real problem is getting the money into a form where you *can* invest it in something. It's not like E\*Trade will let you FedEx them a briefcase of sequentially numbered hundreds and just credit your account, no questions asked. That **is** the hard part.


> You are assuming Romney would actually allow for Free Markets, that's a laugh! Invoking the Free Market Fairy is about all anyone can do anyway. Magic is as magic does. > You are also assuming Romney would do absolutely nothing. You see, if Romney won and the House stayed republican, we'd see tons of legislation, crony, corrupted, bullshit, but legislation nonetheless. Yes, yes we would. At the moment the House of Representatives and White House are at odds with each other. When they're on the same side you'll see lots more legislation to support their cronies such as tax cuts, corporate welfare, regulatory protection of broken business models and so forth. Much, *much* more than you see coming through now. Like I said, you may not think there's a huge difference with Obama in office, but there is a difference. > Romney is no bigger of a crony capitalism than Obama, considering Obama has not jailed a single big bank executive for their role in the 2008 meltdown, all this talk about how they differ is bullshit. Romney is **much** more of a crony capitalist than Obama. He doesn't even *try* to give lip service to anyone who isn't in the 1%. That you don't want to see the difference between them doesn't mean it isn't there. > That's a laugh. What? There's not a single soul in the entire nation who fits this description? I find that hard to believe.


"Background: I live and work in a small city (250k) and want to work somewhere much larger (New York, London, Chicago, Sydney). Ideal job is something quantitative and related to programming/analytics in finance, though I have passed the CFA Level III Exam to show my interest in the field and currently work as a systems and database analyst (job title is ""Senior financial analyst"".) I have a Master's in mathematical finance but my work mostly relates to personal side projects. Questions: Short of packing up and moving, what is an effective way to network with people from these larger cities? Is there demand for quants and junior quants, or is there too much supply? Will I need to get a PhD to be relevant? Can I transfer my background or skills into another area of finance first to get the networking contacts?"


"1. (a) ""Malawi: People with albinism 'living in fear'"" by Azad Essa & Sorin Furcoi, published on 7 June 2017: http://www.aljazeera.com/news/2017/04/malawi-people-albinism-living-fear-170419064018308.html (b) ""A 'resurgence' in attacks on people with albinism"" by Azad Essa and Sorin Furcoi, published on 12 June 2017: http://www.aljazeera.com/indepth/inpictures/2017/06/resurgence-attacks-people-albinism-170606110357747.html (c) ""Scores arrested in Malawi after mobs kill 8 suspected 'vampires'"" by Charlotte Bellis, Al Jazeera, published on 23 October 2017: http://www.aljazeera.com/news/2017/10/scores-arrested-malawi-mobs-kill-8-suspected-vampires-171023074106197.html YouTube link: https://www.youtube.com/watch?v=0ho-xGJsdkA (d) ""Killed for their bones: On the trail of the trade in human body parts"" by Al Jazeera, published in 2017: https://interactive.aljazeera.com/aje/2017/malawi-killed-for-their-bones/ 2. Read (a) ""Miners' magic: artisanal mining, the albino fetish and murder in Tanzania"" by Deborah Fahy Bryceson, Jesper Bosse Jønsson, and Richard Sherrington, published in 2010: #9 at https://www.reddit.com/r/worldpolitics/comments/5bpc5x/an_update_for_my_readers_by_peter_levenda/dbwig0v (b) ""Save our skins: Structural adjustment, morality and the occult in Tanzania"" by Todd Sanders, published in 2001: #10a at https://www.reddit.com/r/worldpolitics/comments/5bpc5x/an_update_for_my_readers_by_peter_levenda/dbwig0v (c) ""The Economic Aspects of Human and Child Sacrifice"" by Peter Rwagara Atekyereza, Justin Ayebare, and Paul Bukuluki, published in 2014: #2c at https://www.reddit.com/r/worldpolitics/comments/5bpc5x/an_update_for_my_readers_by_peter_levenda/dbob0j2 Source for #2a, #2b, #2c: https://www.reddit.com/r/worldpolitics/comments/5bpc5x/an_update_for_my_readers_by_peter_levenda/d9q9006 Via: https://www.reddit.com/r/Missing411/comments/41oph0/supernatural_abductions_in_japanese_folklore_by/cz3we2z (d) https://www.reddit.com/r/worldpolitics/comments/7372pp/the_global_traffic_in_human_organs_by_dr_nancy/dno28j5"


"This is the best tl;dr I could make, [original](https://www.nobelprize.org/nobel_prizes/economic-sciences/laureates/2017/advanced-economicsciences2017.pdf) reduced by 99%. (I'm a bot) ***** > Implications of mental accounting Following Thaler (1985), a large amount of work by Thaler and by others has explored and documented the consequences of mental accounting. > Real-world examples of commitment devices include the &quot;Christmas Clubs&quot; mentioned by Strotz (1956) and Thaler (1981), where individuals commit to saving for Christmas; the drugs Xenical or Antabuse (that makes you sick if you drink alcohol); and commonly used rules of thumb like &quot;Do not shop when you are hungry&quot; or &quot;Do not keep alcohol at home.&quot; 3.2 The planner-doer model Motivated by the observed deviations from exponential discounting, Thaler and his collaborator Hersh Shefrin proposed the planner-doer model (Thaler and Shefrin 1981, Shefrin and Thaler 1988). > Together with Kahneman and Knetsch, Thaler also invented novel experiments and uncovered three important manifestations of fairness preferences in interactions between individuals: first, some individuals will behave fairly towards others even in anonymous settings without reputational concerns; second, some individuals are willing to forego resources to punish individuals that behaved unfairly towards them; and third, some individuals are willing to forego resources to punish unfair behavior and norm violations even if the unfair behavior was directed towards someone else. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/75882u/richard_thaler_wins_2017_nobel_prize_advanced/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~224768 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*: **THALER**^#1 **price**^#2 **individual**^#3 **Economic**^#4 **model**^#5"


All CBD Fruit Strips are an all characteristic, great organic product nibble that you can stick in your pocket, knapsack or lunchbox. All CBD Fruit Strips are yummy organic product snacks that can go with you any place you go. Each Stretch Island All CBD Fruit Strip is equivalent to a large portion of a serving of natural product. It doesn't improve than that, with the exception of perhaps a genuine bit of natural product.


That's actually what I was thinking, too. Don't get me wrong, I love the idea of it (I've been into vidya as long as I can remember), but there's got to be something that distinguishes you from any old GameStop, otherwise it may be futile.


I wonder this myself. If an economic apocalypse actually came to pass, owning a bunch of gold bars - or shares in gold bars held somewhere else - isn't going to help you eat, or keep you from freezing to death. The most valuable goods will be those with some utility - food, water, clothing, medicine, ammunition. I think the financiers and their pornographers at WSJ forget that their entire world - and everything of value, power, and consequence within it - will cease to exist if the power goes out.


My wife and I chose to share all bank accounts and credit cards. We did so because we realized that, over the course of a marriage, the pendulum of who is the primary breadwinner may shift repeatedly. Having one account gets us in the habit of thinking about our needs and wants together and eases any transitions that may come as one or the other of us quits a job/returns to school/reduces hours. I should also say that this system would likely not work well if either partner has semi-compulsive spending/consumption habits. I'd recommend separate bank accounts with a joint account for your mortgage in that situation.


I can see three possibilities: * The money was illegally transferred and used for operating costs when they started having trouble. * The company was playing Enron-like accounting games, and were reporting imaginary profits and gains. In that case, the money never really existed. * The money was outright stolen, and is in somebody's offshore bank accounts. Or some combination of these.


Now, if I wasn't concerned with the integrity of my already tainted soul I would have given myself the following advice five years ago:


In the UK the free newspapers have a page dedicated to famous people getting drunk. I play a game where I see how long it takes before I find out why the person is famous. The latest realizations: Pixie Lott isn't Bob Geldorf's daughter. Duffy isn't Hillary Duff. Kim Kardashian wasn't a porn star - she just had a sex tape... I haven't figured out why she's famous yet. Also, Lady GaGa has a song called 'born this way.' Anyway, the kinda point of the game is to figure out why I know which songs are by lady GaGa and which are by Amy winehouse if I hadn't clever knowingly heard there songs. And what does that mean for copyright vs. What must be in the public domain. E.g. if I have a song in my head which has been drilled into me, at what point can we consider it part of the fabric of our society. In otherwords, when does it become public domain as much as the 'performance ' of a car horn or a tree rustling?


Yea I meant 2-2.5 effectively. The high amex is going to be offset by regulated debit to get you a nice sweet spot in the middle :) I'm in NYC so while some places opt out of amex for the most part people are going to take it. Since OptBlue came out it's helped mitigate amex costs too which definitely helped


So, to be clear, you think a two year old, stunningly-beautiful property, is about to go vacant for an extended period? Because I'll bet Reddit Gold, or anything you like, that it reopens, as a casino, probably before the end of the year, at worst - sometime next year. Someone always gobbles properties like this up, the questions are who, how long does it take, when does it re-open, and can they avoid the same fate?


"You can do a lot of deduction FINRA keeps a ""REG-SHO"" list created daily that tells what the daily short volume is. March 26th 2014's list: http://regsho.finra.org/FNSQshvol20140326.txt If you are talking about the United States, this answer may be better ;)"


FedEx pays what it pays because unlike the Postal Service, they are a competitive entity that earns peoples business. > In response, the USPS has increased productivity each year from 2000 to 2007,[58]through increased automation, route re-optimization, and facility consolidation.[57]Despite these efforts, the organization saw an $8.5 billion budget shortfall in 2010,[59] and was losing money at a rate of about $3 billion per quarter in 2011.[60] They've tried that. They've tried to modernize really, really hard. The fundamental problems remain, they aren't paying a competitive wage rate and they're forced to operate on a socialistic universal price and quality mandate accross the entire geography of the US, offering speedy service to areas where it simply is infeasible to do so without incurring great expense. I had the source up in an earlier comment, let me see if I can find it. Edit: [here it is](http://work.chron.com/average-salary-government-employees-7863.html)


"(Insert the usual disclaimer that I'm not any sort of tax professional; I'm just a random guy on the Internet who occasionally looks through IRS instructions for fun. Then again, what you're doing here is asking random people on the Internet for help, so here goes.) The gigantic book of ""How to File Your Income Taxes"" from the IRS is called Publication 17. That's generally where I start to figure out where to report what. The section on Royalties has this to say: Royalties from copyrights, patents, and oil, gas, and mineral properties are taxable as ordinary income. In most cases, you report royalties in Part I of Schedule E (Form 1040). However, if you hold an operating oil, gas, or mineral interest or are in business as a self-employed writer, inventor, artist, etc., report your income and expenses on Schedule C or Schedule C-EZ (Form 1040). It sounds like you are receiving royalties from a copyright, and not as a self-employed writer. That means that you would report the income on Schedule E, Part I. I've not used Schedule E before, but looking at the instructions for it, you enter this as ""Royalty Property"". For royalty property, enter code “6” on line 1b and leave lines 1a and 2 blank for that property. So, in Line 1b, part A, enter code 6. (It looks like you'll only use section A here as you only have one royalty property.) Then in column A, Line 4, enter the royalties you have received. The instructions confirm that this should be the amount that you received listed on the 1099-MISC. Report on line 4 royalties from oil, gas, or mineral properties (not including operating interests); copyrights; and patents. Use a separate column (A, B, or C) for each royalty property. If you received $10 or more in royalties during 2016, the payer should send you a Form 1099-MISC or similar statement by January 31, 2017, showing the amount you received. Report this amount on line 4. I don't think that there's any relevant Expenses deductions you could take on the subsequent lines (though like I said, I've not used this form before), but if you had some specific expenses involved in producing this income it might be worth looking into further. On Line 21 you'd subtract the 0 expenses (or subtract any expenses you do manage to list) and put the total. It looks like there are more totals to accumulate on lines 23 and 24, which presumably would be equally easy as you only have the one property. Put the total again on line 26, which says to enter it on the main Form 1040 on line 17 and it thus gets included in your income."


It seems at most a cosmetic difference - nothing keeps you from adding the 9$ cash to the fund the same day the fees are deducted from the shares.


"I think the important thing is if it's made with whole chicken or 100% chicken breast, not just ""100% chicken"". Because it can be 100% chicken skin. But yeah, the problem is that the ingredient list is often too small and not detailed enough."


Ask the folks administering your plan. They're the ones who define and implement the available choices for that specific plan.


You can evaluate portfolio raw returns or risk adjusted returns. To evaluate raw returns, I would personally compute the total returns over the time period in question for both portfolios. To compute total returns, split the time into a bunch of subperiods by the dates at which you contributed money. Compute each subperiod return by dividing the value of the portfolio at the end of the subperiod (but before adding additional cash on that day) by the value at the beginning of the subperiod (after adding cash on that day). Then multiply all these returns together. Finally, subtract 1. That's your total return. For the portfolio where you didn't add any money it's easy: just divide the end value by the beginning and subtract 1. Whichever has a higher return performed better. To compute risk adjusted returns, get the portfolio returns from both portfolios (daily or monthly) and use OLS to regress on a benchmark portfolio return (something like the S&P500). The intercept of the regression is a measure of the risk-adjusted peformance of your portfolio. Higher the better. More sophisticated models will do multiple regression using a few benchmark portfolios at the same time.


For me, ticket prices are horrible. Expensive, but under $25 for three people, generally. What kills me is the snacks and whatnot. For fucks sake movie theaters. A small soda doesn't need to be 64 ounces. A small popcorn doesn't need to be 128 ounces. And neither of them need to cost $10.


Synthetic vacuum pump oil can prove to be highly effective in enhancing the life span and efficiency of the vacuum pumps. It’s a synthetic hydrocarbon fluid that has been doubled distilled for improved properties. Highly recommended to use for detector vacuum pumps, this can turn out to be a greatly reliable solution.


I drive a CNG E-250 van for work. Its sucks. There are 3 stations each about 20 miles apart. I get about 150 miles a tank so I have to fill up twice as much as normal vans and that nullifies any savings per gallon. Going up hills the van has no power. Except for being able to drive in the HOV lane the CNG is horrible.


I'd worry more about falsifying documents of sale. No good reason at all to do that. Detecting counterfeit bills is easy if they're all new bills. Hold them up to the light and look for the watermark and the numbered tape in the bill. Refuse any bad ones.


"You seem to really have your financial act together. Your combination of assets, and ongoing savings makes you the ideal candidate for paying it off. One way to look at it is that your mortgage offers you a place to 'invest' at a fixed 2-7/8% rate. ""I'd really like to not have a house payment"" is all I need to hear. The flip side is the lecture that talks about long term market returns, the fact that the combination of your deductible mortgage, but 15% cap gain rate means you need 2.5% return to break even, and odds are pretty high that will occur over the next 15 years. ""pretty high"" does not equal ""guaranteed"". And I won't debate the value of sleeping soundly vs an excess 5-8% return on this money that you'd maybe achieve. You haven't missed anything. In fact, though I advocate saving first, you are already doing that. This is above and beyond. Good work."


I wish I could remember the name of that book, it was really good, but it mentioned this as well. It said, if you can get them, get what ever ancillary rights you can and they used Star Wars as the prime example why.


I'm quite aware. Nevertheless, the situation I'm describing is a little different. It's the transition phase from order to chaos. Currently, there are lots of well-off kids in universities around the country who don't have bodyguards on them 24/7. That's because there is an assumption of general security. If things were to go downhill suddenly, there would be a severe lack of qualified people willing to dive into a population center to escort some kid out safely. Time would also be of essence. Desire for safety of one's children, when paired with a severe real or perceived threat, would thus make these types of services spike rapidly, if for a short period of time. It's not dissimilar to what happens with fuel prices when a hurricane cuts of supply. And, of course, perhaps I would start a company which would cater to the expanding group of people who wanted private security over the long haul. Opportunity abounds! The point is that, if one is a resilient, flexible, and capable person, then the macro-scale doesn't matter all that much. I prosper now, in this serene and stable environment; I will prosper in a world where labor is overtaken by automation; I would prosper even more in situation where society goes to shit. There is no situation, short of absolute apocalypse or immediate failing health, in which I would not adapt and prosper.


"> In 2008 under Bush, the US had a deficit of 454.8 billion dollar Certain ""minor"" items were left out of that budget. Like the wars in Afghanistan and Iraq. If you check the 'debt to penny' site, you'll see that [**1.4 trillion**](http://i.imgur.com/qslFndc.png) was added to the national debt during Bush's last 12 months."


That's my unpopular opinion about restaurants, too. I don't think that customers should be paying the bulk of wages of servers through tips. I worked in food service for years and my immediate family all still does. I'm aware that restaurant margins are often razor thin. Raise prices, pay your workers, if people don't want your food at those prices anymore, close. Maybe it's a sign that we have too many restaurants if they can't compete without subsidized wages for their staff.


If one separates from work at 55 or older, they can withdraw from that 401(k) with no penalty. You might wish to consider a mix of Roth IRA deposits as well. The deposits can be withdrawn at anytime with no tax consequence.


"> but then look at elections in the US and UK As someone in the survey research industry, it's painful for us to hear the assertion of how ""incorrect"" the polls were. There were flaws in polling, there always are, but no pollster ever said they can predict with 100% confidence as is the same with the aggregation of the poll results. But the public seems to think, ""75% chance to win pretty much means 100%, so the data got it wrong"", when really the case is mostly that the 25% chance kicked in."


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It's the Jack Welsh approach to business. Its meant to make people strive for their next promotion, and where the always available even on weekends came from. The man basically said If you can't get promoted within five years you should be fired. He had no place for people who wanted to just do their time in one a place for an entire career.


"He's been doing fine for himself. He got Tesla to bail out bankrupt Solar City, remember? And some CEOs ""pledge"" stock for loans with then immediately sold short by his ""lender"" to hedge the position, allowing said CEO to profit but never have to sell a share himself on the record. Not that his holiness would ever do such a thing of course."


People just love becoming more well-off than they currently are, and one of the ways they do it is with leverage. Leverage requires credit. That desire is not exclusive to people who are not already well-off. For a well-off person who wants to become more well-off by expanding their real estate ventures, paying cash for property is a terrible way to go about it. The same goes for other types of business or market investment. Credit benefits the well-off even more greatly than it benefits the poor or the middle-class.


what do you mean exactly? Do you have a future target price and projected future dividend payments and you want the present value (time discounted price) of those? Edit: The DCF formula is difficult to use for stocks because the future price is unknown. It is more applicable to fixed-income instruments like coupon bonds. You could use it but you need to predict / speculate a future price for the stock. You are better off using the standard stock analysis stuff: Learn Stock Basics - How To Read A Stock Table/Quote The P/E ratio and the Dividend yield are the two most important. The good P/E ratio for a mature company would be around 20. For smaller and growing companies, a higher P/E ratio is acceptable. The dividend yield is important because it tells you how much your shares grow even if the stock price stays unchanged for the year. HTH


"Who said I was a B? I have an MS in CS/SE from a top tier program. I'm a contractor now. I've been off active duty for years. By the way, all the traditional intel work in the DC area is drying up. I hope you can code. Edit: Added ""intel""."


Once you paid it off, you don't pay rent anymore. That is the major advantage. Also, you can do any change you want to it. Many people consider it an investment - if you ever sell it, it could be worth more than what you paid (although this is not for sure)


There is a significant tie between housing prices and mortgage rates. As such, don't assume low mortgage rates mean you will be financially better off if you buy now, since housing prices are inversely correlated with mortgage rates. This isn't a huge correlation - it's R-squared is a bit under 20%, at a 1.5-2 year lag - but there is a significant connection there. Particularly in that 10%+ era (see chart at end of post for details) in 1979-1982, there was a dramatic drop in housing price growth that corresponded with high interest rates. There is a second major factor here, though, one that is likely much more important: why the interest rates are at 10%. Interest rates are largely set to follow the Federal Funds rate (the rate at which the Federal Reserve loans to banks). That rate is set higher for essentially one purpose: to combat inflation. Higher interest rates means less borrowing, slower economic growth, and most importantly, a slower increase in the money supply - all of which come together to prevent inflation. Those 10% (and higher!) rates you heard about? Those were in the 70's and early 80's. Anyone remember the Jimmy Carter years? Inflation in the period from 1979 to 1981 averaged over 10%. Inflation in the 70s from 1973 to 1982 averaged nearly 9% annually. That meant your dollar this year was worth only $0.90 next year - which means inevitably a higher cost of borrowing. In addition to simply keeping pace with inflation, the Fed also uses the rate as a carrot/stick to control US inflation. They weren't as good at that in the 70s - they misread economic indicators in the late 1970s significantly, lowering rates dramatically in 1975-1977 (from ~12% to ~5%). This led to the dramatic double-digit inflation of the 1979-1981 period, requiring them to raise rates to astronomic levels - nearly 20% at one point. Yeah, I hope nobody bought a house on a fixed-rate mortgage from 1979-1981. The Fed has gotten a lot more careful over the years - Alan Greenspan largely was responsible for the shift in policy which seems to have been quite effective from the mid 1980s to the present (though he's long gone from his spot on the Fed board). Despite significant economic changes in both directions, inflation has been kept largely under control since then, and since 1991 have been keeping pretty steady around 6% or less. The current rate (around 0%) is unlikely to stay around forever - that would lead to massive inflation, eventually - but it's reasonable to say that prolonged periods over 10% are unlikely in the medium term. Further, if inflation did spike (and with it, your interest rates), salaries tend to spike also. Not quite as fast as inflation - in fact, that's a major reason a small positive inflation around 2-3% is important, to allow for wages to grow more slowly for poorer performers - but still, at 10% inflation the average wage will climb at a fairly similar pace. Thus, you'd be able to buy more house - or, perhaps a better idea, save more money for a house that you can then buy a few years down the road when rates drop. Ultimately, the advice here is to not worry too much about interest rates. Buy a house when you're ready, and buy the house you're ready for. Interest rates may rise, but if so it's likely due to an increase in inflation and thus wage growth; and it would take a major shift in the economy for rates to rise to the 10-11% level. If that did happen, housing prices (or at least growth in prices) would likely drop significantly. Some further references:


I liked Mr. Jobs. But the new CEO will supersede Steve on all levels. Mr. Cook is a clever clever man... Jobs was charismatic. Cook is not. But he delivers class products. It would be highly interesting to do a longitudinal study on Apple. But I am sure it is already taken care of.


The top ten holdings for these funds don't overlap by even one stock. It seems to me they are targeting an index for comparison, but making no attempt to replicate a list of holdings as would, say, a true S&P index.


">> Ok!!!! Please find me something significant that Trump did that you don't like. > All right, another one of my pet issues is global warming. Wow! I asked you twice for significant issues that Trump did, and you don't like. First, you give this gray topic of Medicare Part-D where Trump promised to act upon, but has yet do anything. Am I right? Did Trump do anything against or for drug prices? Isn't trump trying to replace the healthcare act? Yes or no? **And now, given a second chance, you come up with ""Global Warming""?** Are you serious? Global Warming? It's Trump fault? Is Trump against solar panels and wind power? Do you have any idea why Trump called it Chinese Hoax? Because the Paris Accords, like the TPP, and like NAFTA, and the Iran Deal, etc, etc, etc, are scams to hurt the USA and make the USA pay more. Nothing else. Who has bigger air pollution, coal power plants, cutting trees, environmental disasters, etc? The USA or China? USA or 3rd world? So why does the USA has to do most of the cuts and costs? Global Warming is another form of tribalism and ""religion"" used to manipulate people. Since you are an expert with Global Warming, is it true that deserts are now becoming green? Most trees in the world, which are in Russia and not the Amazon, are green longer? Global warming happened before, many times in earth history before the industrial revolution? Also ice ages? Oceans did not rise? I am not worried about Global Warming. It has negative things, and positive things. My nieces is working on growing meat in labs for consumption by humans. It will be safer, cheaper, better, and more tasty. **Do you have any idea what will happen in the world, 20-30 years from now, when we stop raising cows, pigs, goats and sheep? Any idea how damaging is current agriculture to the climate? What would happen in the world in 20-30 years from now when robots plant trees everywhere?** No need for the hysterical and paranoia about ""Global Warming"" and the USA. You should be more worried about China and what this country and all its people do the earth."


"So basically, rather than spend money on upgrades to the existing 108 fighters, 'retire' them from active combat and switch them to the training pool, and just worry about fielding the new ones. An interesting point in the article: > ""We have actually had this dialogue with the F-16, we had this dialogue with the F-15, we had this dialogue with the F-22. We just haven't had it for a while."" Modern fighter jets don't really act much like planes anymore, budget-wise. The EOL cycle has really sped up - it used to be you could buy a fighter jet or a transport and use it for 25 years before worrying about replacing it with the latest and greatest. Now, the latest and greatest are still on the ground before they're obsolete. It might make a lot more sense to treat a fighter jet like a computer with an upgrade cycle of 3-5 years, roll the cost of maintenance and upgrades into the initial purchase for however long you're intending to keep the aircraft. I suspect a lot of generals would go pale if they knew the full cost of ownership of this generation of fighters going forward."


Well, you won't be double taxed based on what you described. Partners are taxed on income, typically distributions. Your gain in the partnership is not income. However, you were essentially given some money which you elected to invest in the partnership, so you need to pay tax on that money. The question becomes, are you being double taxed in another way? Your question doesn't explain how you invested, but pretty much the options are either a payroll deduction (some amount taken out of X paychecks or a bonus) or some other payment to you that was not treated as a payroll deduction. Given that you got a 1099, that suggests the latter. However, if the money was taken out as a payroll deduction - you've already paid taxes (via your W2)! So, I'd double check on that. Regarding why the numbers don't exactly match up - Your shares in the partnership likely transacted before the partnership valuation. Let's illustrate with an example. Say the partnership is currently worth $1000 with 100 outstanding shares. You put up $1000 and get 100 shares. Partnership is now worth $2000 with 200 outstanding shares. However, after a good year for the firm, it's valuation sets the firm's worth at $3000. Your gain is $1500 not $1000. You can also see if what happened was the firm's valuation went down, your gain would be less than your initial investment. If instead your shares transacted immediately after the valuation, then your gain and your cost to acquire the shares would be the same. So again, I'd suggest double checking on this - if your shares transacted after the valuation, there needs to be an explanation for the difference in your gain. For reference: http://smallbusiness.findlaw.com/incorporation-and-legal-structures/partnership-taxes.html And https://www.irs.gov/publications/p541/ar02.html Here you learn the purpose of the gain boxes on your K1 - tracking your capital basis should the partnership sell. Essentially, when the partnership is sold, you as a partner get some money. That money is then taxed. How much you pay will depend on what you received versus what the company was worth and whether your gain was long term or short term. This link doesn't go into that detail, but should give you a thread to pull. I'd also suggest reading more about partnerships and K1 and not just the IRS publications. Don't get me wrong, they're a good source of information, just also dense and sometimes tough to understand. Good luck and congrats.


"I would say a lot of the answers here aren't quite right. The main issue here is that banking is a highly oligopolous industry - there are few key players (the UK, for example, has only 5 major banks operating under a variety of brands: it's all the same companies underneath) and the market is very, very hard to enter owing to the immense regulatory burden. Because the landscape is so narrow and it's possible to keep close tabs on all your competitors, there's no incentive to spend money on shiny new things to keep up with the competition - the industry is purely reactive. If nobody else has an awesome, feature-filled online portal, there's no need for any one bank to make one. If everybody is reactive, and nobody proactive, then it's a short logical deduction that improvements happen at a glacial pace. Also take into account that when you've got this toxic ""bare-minimum"" form of competition, the question for these people soon turns to ""what can we get away with?"" which results in things like subpar online portals with as much information as you like delivered on paper for a hefty charge, and extortionate, price fixed administrative fees. Furthermore your transaction history is super valuable information. There are one or two highly profitable companies who collate international transaction data and whose sole job in life is to restrict access to that information to the highest bidders. Your transaction history is an asset in a multibillion dollar per year industry, and as such it is not surprising that banks don't want to give it out for free."


Naturally none of them *suit* me. If I was in a situation like that, I'd probably calmly stand up for myself, maybe talk to HR. I would like to point out that (a) I make a point of getting explicit instructions, (b) I'm good about making sure people know well in advance when I'm going to be out (c) I'm salaried, I don't have a time sheet, and if the boss didn't mention the missing time, I would, and (d) there's only one other person there who knows anything about web programming, and she's my assistant. I can accept a certain amount of abuse *if* the pay is good enough and I have recourses. If not, lets just say that the recruitment company I was with took all of two weeks to find me this job after I was let go from the last one (and not because my previous bosses didn't like me either, but because they couldn't afford me any more. They kept me on as a contractor until I found this job)


Paypal UK has a page here: https://www.paypal.com/uk/webapps/mpp/seller-protection Basically they don't just take the seller's word for it, there is a resolution process. The biggest thing you can do is make sure that you deliver it in a way that requires signature.


Trump is more credible than all the fake-news media: CNN, NYT, WaPo, etc. **He's way way way more credible than Hillary who cheat on debate questions given to her by fake-news CNN! If my son cheated on a test in 1st grade like her, he will be expelled from school. Think for a second just about this.**


Things are generally fine. A credit balance is not a horrible thing. The argument against maintaining a credit balance is that you are essentially loaning the credit card issuer money at 0% interest. You probably have alternative investments that would pay better interest, so it's usually better to park your money there. All that said, it's unlikely that the interest on whatever balance you have is enough to be more than pennies. The way that a credit card works, you run up a balance in one period. Then there is a grace period. If you don't pay off the balance during the grace period, they start charging you interest. You also may have a minimum payment to make. If you don't make that payment, they'll charge you a late fee. The typical period to rack up charges is from the first to the last day of a month. The typical grace period is through the 20th or 25th of the next month. Your card may be different. So check the documentation (user agreement) for your card if you want the real data. It sounds like you paid off some purchases while you were still in the period where you rack up charges. While those purchases were posted to the account, they may not be counted in the balance calculation. If your credit balance exactly matches the payment you made, that's probably what happened. It's also possible that you overpaid the balance. If your credit balance is just a small amount, that's probably what happened. If you really want to be sure, you should call the credit card issuer and ask them. At best we can tell you how it normally works. Since this is your first month, you could just wait for your first bill and respond to that. So long as you pay off the entire balance shown there by the deadline, everything should be fine. Don't wait until the last day to pay. It's usually best to pay a week or so early so as to leave time for the mail to deliver the check and for them to process it. You can wait longer for an online payment, but a few business days early to give you a chance to handle potential problems is still good.


"Please Note: Before taking any steps towards a transaction involving possible capital gains tax exclusions, please consult your CPA, attorney or tax advisor. I am not a CPA or Tax Advisor. Since you have only lived in it 11 months, you don't meet the ""use test"" for full exclusion. However, even if you haven't lived in it that long, you may be able to exclude some of the gains due to a ""unforeseen circumstance"", not just because you wanted to move. You say you are ""ready for a change"" and so that means it's an arbitrary decision, not a forced one. To calculate the partial exclusion, take the number of months you lived there before the sale and divide it by 24. (11/24 = 0.45). So for an unmarried person, you can exclude up to $250,000. Multiply that by .45 and you get $112,500. If your profit after everything is taken out is only $35,000 then you can exclude that from capital gains because it is less than $112,500. All that being said, you will need documentation in case you get audited. For more information, see IRS Publication 551, Basis of Assets, and look for the section on real property. See also this IRS Tax Topic on Sale of Your Home"


You can print them on any IRS-approved paper, you don't have to use pre-printed forms. The IRS publishes specifications for paper that is approved for use for these kinds of forms (109*, W*, etc). Here's the reason why it is important: Even the slightest deviation can result in incorrect scanning, and may affect money amounts reported for employees. Note that some portions of these forms are in different color (1099-MISC copy A). This is important, and using incorrect color will affect the IRS OCR mechanisms. Forms for individuals are less complicated with regards to technical specifications, because individuals must file them, and as such any complication will unnecessarily burden the citizenry. All the 109*, W* etc forms are not legally required to be filed by all citizens. You're only required to file them if you chose to do business, or chose to employ others. As such, using professional software and special forms is a cost of doing your business, and not a tax as it would be had it been mandatory to everyone. Mistakes in individual forms due to OCR failure or something else will be noticed by the taxpayers (less/more refund, etc) or through the internal matching and cross-check. However, forms 109* and W* feed that matching and cross-check system and are considered source of truth by it, and as such their processing must be much more reliable and precise.


Just to add: the 20% APR is the annualized interest rate, but applied monthly. So you'd be charged $0.50 of interest on your $30 balance, which gets capitalized on the next month. So if you were to miss the next payment for some reason, your new interest charge would be on $30.50 instead of $30 (actually, it'd be much more since there would be a fee for the late payment, but discounting that to illustrate the point).


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Nobody WANTS to be there. Did you ever drop someone off at the airport pre-9/11? Here's how it used to go: You first get guilt-tripped into dropping someone off at the airport, and then you get guilt-tripped into following them through security to hug/kiss/take-up-extra-space at an already crowded gate.


Labor - I have a fairly decent sized extended family. Between us we cover quite a bit of experience in different trades and professions. So as a result when we undertake significant home projects we tend to work together to complete them. We redid my parent kitchen for basically the cost of the cabinets and tile. My grandmothers bathroom when she could no longer get into the tube for the cost of fixtures and tile. We partitioned my upstairs giant bedroom into 2 bedrooms and a bathroom. And lots of other things. We also have a family farm as at harvest time we all pitch in and work long hours. Without that teamwork our entire family would have a much poorer quality of life.


Talk about opportunity cost. Show a rope, and put a tag with him on the end of it. Explain that since he has max out his credit, he can no longer get more. Without more credit here are the things he can't have The key to illustrate is that all the money he makes, for the next several years is obligated to the people he has already borrowed it from. Try to have him imagine giving his entire paycheck to a bank, and then doing that for the next five years. To drive it home, point out that there are 5 super bowls, 5 college championship games, 5 final fours, 5 annual concerts he likes, 5 model years of cars, 5 or more iPhone versions in those five years. Or whatever he is into. 5 years of laptops, 5 years of fishing trips. These things are not affordable to him right now. He has already spent his money for the next 5 years, and those are the things he cannot have because he is, in fact, out of cash. Furthermore, if he continues, the credit will dry up completely and his 5 year horizon could easily become ten. To illustrate how long 5 or 10 years is, have him remember that 10 years ago he might have been in college or the military. That 5 years ago Facebook was no big thing. That 5 years ago the Razr was an awesome phone. That 5 years ago we had a different president.


The opposite of a hedge is nothing. Because if you don't want to hedge you bets, you don't, therefore you merely have the original bet. The opposite state of being hedged, is being unhedged.


I am not a tax professional, only an investment professional, so please take the following with a grain of salt and simply as informational guidance, not a personal recommendation or solicitation to buy/sell any security or as personal tax or investment advice. As Ross mentioned, you need to consult a tax advisor for a final answer concerning your friend's personal circumstances. In my experience advising hundreds of clients (and working directly with their tax advisors) the cost basis is used to calculate tax gain or loss on ordinary investments in the US. It appears to me that the Edward Jones description is correct. This has also been the case for me personally in the US with a variety of securities--stocks, options, futures, bonds, mutual funds, and exchange traded funds. From the IRS: https://www.irs.gov/uac/about-form-1099b Form 1099-B, Proceeds From Broker and Barter Exchange Transactions A broker or barter exchange must file this form for each person: Edward Jones should be able to produce a 1099b documenting the gains/losses of any investments. If the 1099b document is confusing, they might have a gain/loss report that more clearly delineates proceeds, capital returns, dividends, and other items related to the purchase and sale of securities.


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There are several disadvantages: You cannot generally withdraw from a 401(k) while you're still employed at the same employer. When you do withdraw, then unless you roll it over, you pay tax on the whole amount based on the marginal tax rate you have that year. If it comes on top of your regular salary, the whole withdrawal will be taxed at the higher marginal rates. You will also pay extra 10% penalty for the withdrawal. For home purchase you can take out up to $10K without the penalty, I doubt that would be enough for downpayment. There are probably more, but these are the major ones I can spot. The same goes to the 457(k), except that those don't have the 10% penalty.


"I wrote Retirement Savings Ratio some time ago and 15% seemed the sweet spot. The 15% is 10% saved and 5% match, in my mind. The reason I link is to show a spreadsheet that shares my approach to the analysis. You list a huge number of things to think about, all great. I'm near Duff's view although I shoot for 20X final income so 4% of that is an 80% replacement. There's nothing magic about 80. If social security exists, it actually drops the required 80 from you to the 60 or so Duff lists, so we align. The 'problems' with my sheet - no one gets exact 3% raises for 43 years, so one can go in and change that, maybe higher early on, then slow it down. Returns are 8% every year, so one must go to the sheet or their own plan and reassess how they are doing each year. Disclosure - we are now at 14X our income with a goal of 25 to replace 100%. So we need a cumulative 80% growth (as in S&P at 2500) or the years of deposits to get there. I am nearing 50. Let me pick one of your questions - ""Your expenses go down at retirement, stay the same, or go up?"" - this is the $64K question. the 80% is an average guess. The general assumption is in this range. If we downsized right after the kid goes to college, we could retire on far less. So, to wrap up, online calculators and spreadsheets only go so far. Your questions are dead on. A planner should ask every one of these questions before assuming any ratio. Edit - on re-read I am blown away by the list of questions you have here. It's great. And it shows how there's risk no matter what."


If you dont want to pay for it, dont. But I think it's important to draw the distinction between one of the more thorough news sources and entertainment services. The former is investigating and reporting on matters of national interest while the latter allow you to binge watch.


You have to balance several concerns here. The primary problem is that if you go to the effort of saving your money you want to also be sure that your savings will not lose too much of its value to inflation. Ukraine had a terrible inflation spike in 2015 for obvious reasons. Even as inflation has settled down in 2016, it is stabilizing around 12% which is very high Exchange rates are your next concern. If you lose a large percentage of the value of your money just in the process of exchanging it, that also eats away at the value of your money. If you accept the US Federal Reserve target of 2% inflation, then you should only exchange money that you will hold long enough that both exchange fees will outweigh the 10% inflation advantage. Even in cases where you have placed your money in a foreign currency, there's a chance that your government could freeze accounts denominated in foreign currencies, so there's always the political risk that you have to factor in. For that reason keeping foreign currency in cash also has some appeal because it cannot be confiscated as easily. You could still certainly be robbed, so keeping all of your savings in cash isn't a great solution either. All in all, you are diversifying your savings if you use the strategy of balancing all three methods. Splitting it evenly to 5% for each method isn't the most important. I would suggest taking advantage of good exchange rates (as they appear) to time when you buy foreign currency.


M Attia, the advantages of the TD e-series are that they are a low cost way to index your portfolio as well it gives you to opportunity to invest small amounts at a time. With ETF's, purchasing small amounts at a time would simply get too expensive.


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Wireless issues? Did you tell your wireless router to stay only on channel 11 or did Apple finally fix that? People like their Apples, and I've seen many, many people switch to avoid the continual headaches dished out by Microsoft--at quite a hefty premium.


A stock market is just that, a market place where buyers and sellers come together to buy and sell shares in companies listed on that stock market. There is no global stock price, the price relates to the last price a stock was traded at on a particular stock market. However, a company can be listed on more than one stock exchange. For example, some Australian companies are listed both on the Australian Stock Exchange (ASX) and the NYSE, and they usually trade at different prices on the different exchanges. Also, there is no formula to determine a stock price. In your example where C wants to buy at 110 and B wants to sell at 120, there will be no sale until one or both of them decides to change their bid or offer to match the opposite, or until new buyers and/or sellers come into the market closing the gap between the buy and sell prices and creating more liquidity. It is all to do with supply and demand and peoples' emotions.


What, you think Amazon doesn't have a lobbying *cough* bribery *cough* budget? Daily reminder Besos, founder, chairman, and CEO of Amazon, is the wealthiest man in the world and your tax dollars are going right into his pocket...


Value is the key word here. Traders should ideally trade on the perceived future value of a company. Changes in the perceived future value is what leads them to buy and sell shares. That said, if a company were to have some catastrophe happen (say it and all of its employees and property disappeared) and somehow every shareholder agreed to not sell, the companies market capitalization would remain unmoved even though the value of the company is gone. So theoretically yes, but it is unlikely.


It is not a biological imperative for any individual. I know' I've gone years without it before and plenty of people go decades. And that's just sex... plenty of way to reduce chances of having a kid. Also, based on my research vasectomies do not cost that much (IMO). I am not familiar with the other procedure.


"TD e-series index funds are great for regular contributions every paycheck since there is no trading commission. The personal finance blog ""Canadian Couch Potato"" has great examples of what they call ""model portfolios"" and one consists of entirely TD e-series index funds. Check it out: http://canadiancouchpotato.com/model-portfolios-2/ The e-series portfolio that is described in the Model Portfolios (linked above) made returns of just over 10%. This is very similar to the ETF Model Portolio. One thing to remember is that these funds have a 30 day no sell time frame, otherwise a 2% fee is applied to the funds you withdraw."


> Pay, especially bonuses is very good compared to many other sectors. This. I just scored a database dev gig in finance after spending five years or so doing it in another industry. The pay bump is staggering.


I also think Benchmark knows the business model isn't sustainable at this point - their goal is to IPO as quickly as possible and get the fuck out before the whole thing tanks. They need Travis out to beat it into IPO-able shape.


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Your final tax basis could not be determined until June 14, 2012, the first day of separate trading of all four securities that you received from the GM bankruptcy reorganization.


"I believe that your dilemma comes from not having clearly defined consequences of buying it. On one side you want it and you can afford it, but on the other side there is nothing solid. Just some vague dislike of spending money and guilt of buying something ""useless"". You're basically guilt tripping yourself into not buying it, and guilt tripping is always bad. What you need is clear-cut consequence. Something like ""I can buy X but then I won't get Y and Z"". And for that you need a clearly laid out budget, just to know how much you can spend. Money that go into things that are absolutely required, money that go into various saving plans, etc - and after that you're left with some clear amount that should be spent on making yourself happier. Making yourself happier is not something you should feel guilty about, it's actually one of purposes of life. Making yourself happy is only bad if it's hurting other areas of your life (and even that is relative, because there is always some extent of degradation you're willing to accept or you have already accepted). There is absolutely no point in saving every single penny you can, because that will make you live long and unhappy life and die without enjoying your riches."


Jobless claims are up, but this is due to the continued loss of public sector jobs. This is what happens when you shrink the size of government. The private sector actually added jobs, just not enough to offset the loss from the public sector. So recession? I say no. Still, with the uncertainty in Europe, a slowing economy in China, and the JP Morgan mess, the markets are skittish, and any little thing is going to make a sell off likely.


"Nope... as mentioned elsewhere, I hired a lawyer, and my employer absolutely does not own any of my work. I've been extremely careful about that. This is much more common as a developer working for a ""for-profit"" entity particularly in the US. I work for a government body and not in the US."


One factor to consider is that some employers have a 401k contribution match policy that only allows a certain percentage of any given paycheck to be matched. So if the company is willing to match 4% of each paycheck, you could run into a problem here where you lose out on some of your company match. For example, suppose you get a $20,000 bonus. You can contribute $18,000 per year to your 401k and this bonus could be a nice way to knock most of that out and then take home your full paycheck the rest of the year. Sounds pretty nice, but there's a problem. The company will only match 4% of your $20,000 ($800) when they otherwise would have matched up to 4% of your annual salary ($4,000 if you're making $100,000 in this example). I'd say it's definitely worth it to make a big contribution to your 401k when you get a bonus as it's an easy way to get a lot of money in there without really feeling a loss (since it's extra money on top of your normal paycheck). But I'd definitely be careful about this situation. You don't want to throw away free money. To avoid this problem, make sure that you leave enough of your annual limit so you can contribute enough to get your 4% company match on every paycheck of the year.


We are working on getting her social media up to par, I’m taking the initiative to help her out on that end because she simply doesn’t have the time. And she has a website where people can buy any of the items in the store to either pick up or have delivered. And she has P.O. boxes for rent that are in the shop. The espresso machine should be up and running by November but she’s losing faith in the actual grocery side of things.


Facebook, Google and to some extent Amazon are not going away. They are all multi-billion dollar digital advertising agencies. They continue to increase their earnings on the back of ad sales. Amazon just crossed the billion dollar threshold for their online advertisements. We're still in the growth stage for online advertisements.


"Thanks. Glad you enjoyed the writings. :) Relating again back to your points about timeline, it's important to understand that capitalism is what mathematicians or engineers might call an ""optimization engine"". Given an initial situation and a set of constraints about what is allowed, it seeks an optimal solution within that constraint space. But it's just a tool, it's not artificially intelligent, and it will only do as well as people's willingness to bound its search by an appropriate set of constraints. The timeline is part of that. If we tell the engine ""only care about short term gains"", that's how it will function."


If you're referring to investment hedging, then you should diversify into things that would profit if expected event hit. For example alternative energy sources would benefit greatly from increased evidence of global warming, or the onset of peak oil. Preparing for calamities that would render the stock market inaccessible, the answer is quite different. Simply own more of things that people would want than you need. A list of possibilities would include: Precious metals are also a way to secure value outside the financial markets, but would not be readily sellable until the immediate calamity had passed. All this should be balanced on an honest evaluation of the risks, including the risk of nothing happening. I've heard of people not saving for retirement because they don't expect the financial markets to be available then, but that's not a risk I'm willing to take.


It's not a benefit when that's the main reason I don't go there. I can't get everything I need there, especially if I want things like tooth paste or paper towels or any other household products. If they even have it, then there is one choice and so they charge like four times what'd I'd pay at a real grocery store. Once people catch on that 19¢ banana isn't even a really great price just a marketing gimmick, they're sunk. The grocery store of the future doesn't have any employees anyways. Once amazon proves they can make an automated grocery store they'll license that tech to everyone I do like some of their TJ brand things and they have a great selection of cheap wine. I will be sad to see them go


It looks like you'd just be charging yourself interest and paying yourself back, because it's a pass-through entity, as I'm sure you know. (This assumes you're the only member of the LLC.) It all depends on how much money you want inside the protective cover of the LLC, and for how long. It doesn't seem to make much difference how you get the cash in or out, or how complicated or easy you make it for yourself.


"The ""Money 70"" is a fine list: http://money.cnn.com/magazines/moneymag/bestfunds/index.html Money magazine is usually more reasonable than the other ones (SmartMoney, Kiplinger's, etc. are in my opinion sillier). If you want a lot of depth, the Morningstar Analyst Picks are useful but you have to pay for a membership which is probably not worth it for now: http://www.morningstar.com/Cover/Funds.aspx (side note: Morningstar star ratings are not useful, I'd ignore those. analyst picks are pretty useful.) Vanguard is a can't-go-too-wrong suggestion. They don't have any house funds that are ""bad,"" while for example Fidelity has some good ones mixed with a bunch that aren't so much. Of course, some funds at Vanguard may be inappropriate for your situation. (Vanguard also sells third-party funds, I'm talking about their own branded funds.) If getting started with 5K I think you'd want to go with an all-in-one fund like a target date retirement fund or a balanced fund. Such a fund also handles rebalancing for you. There's a Vanguard target date fund and balanced fund (Wellington) in the Money 70 list. fwiw, I think it's more important to ask how much risk you need to take, rather than how much you are willing to take. I wrote this down at more length here: http://blog.ometer.com/2010/11/10/take-risks-in-life-for-savings-choose-a-balanced-fund/ First pick your desired asset allocation, then pick your fund after that to match. Good luck."


You should total the items first, to get $3.00, then add the tax, then round up/down accordingly. Your two examples above don't offer this option, even though your second example arrives at the same result. In your first example, a number of items taxed one at a time might result in many .006 results which would round to .01. A long enough list of items would result in an error of many cents depending how many items there are. Totaling first then applying tax results in your saving .004 or losing .005 cents maximum due to rounding. See A Guide to Sales and Use Tax which is a document put out by the Massachusetts Dept of Revenue. In the chart for tax, it shows that $1.09 is taxed at five cents, but at 5%, it would be 5.45. So, at least for this state, I believe I correctly stated the rounding process.


">>I mean the scripture was written and incorporated long after Roman adoption by Constantine. And it would have gotten that far by espousing tax resistance? >>Just because the republicans say that is their motivation doesn't mean it is objective. Pot, meet kettle. You don't think Obamacare wasn't mainly a hand out mainly along partisan lines? >>Policy research, the impact of Reganomics shows, and Kansas' own failed tax experiment over the last six years show that belief in ""free market"" is not a sound basis to make decisions which impact people's health and welfare. And an impersonal, unaccountable, nanny state is?"


Where I live, the men are looking for a good woman to take care of them. Everyone knows that a single guy is homeless. My best attributes as a single woman are that I have a 4x4 truck, a home, and a job. I've given up on romance. I can't afford it.


Does anyone remember what Porsche had amassed when they attempted a hostile takeover of Volkswagen (before Volkswagen countered with a Pac-Man defense)? It wasn't anywhere near the scale of the assets Apple has under management, but it was still funny that a small racing company and sports car manufacturer quite nearly pulled it off at the time.


"As an entrepreneur, I have nothing against ambitious people working hard to become rich. I do however have a problem with people who want to hear bad economic news on hopes the central banks will pump money into it and push the markets up. I get even more pissed seeing these undeserving pricks get rich when their dreams come true. I am not saying the stock market is a bad thing. But if you get rich why not start a business and build real wealth then maybe invest a little in it? Why depend on the stock market as a primary means of generating wealth? Some of these people are like parasitic traitors hoping for everyone else to suffer so they can get rich off of them (notice I said ""some"" not ""all."" edit:if you are going to downvote me at least have the balls to tell me what you disagree with. Maybe I'm saying something stupid and being a dick. I admit it's happened before but at least call me out instead of being passive-aggressive about it."


(Oops - I had been meaning to come back to this Q. sooner. Just saw my reminder, so here goes.) Shortly before this question was asked, I actually read a good blog post on the subject of disability insurance at Evolution of Wealth - 7 Ways Your Group Disability Will Fail. I know the OP doesn't have group disability (and hence the question), but the reason I'm highlighting it is: Even somebody with a group disability policy from their employer may want to consider supplementing it with an individual policy that has better coverage. In my case, the reason I opted for an individual policy was due to point #6 from the post: ... ways that group disability coverage will fail you: ... [etc] 6) You can go work somewhere else. With disability insurance there is a feature called own-occupation. This means that you are unable to perform the duties of your specific occupation even if you are able to work in an other occupation. Good group disability coverage will cover your own-occupation for a period of 2 years after that if you can work anywhere (yes, even McDonald’s) then you receive no more benefits. Notice I said ‘good’ coverage, a lot of policies don’t even have the own-occupation benefit. ... I made sure my own individual LTD policy included coverage of own-occupation until age 65. So, do pay attention to the specific features and limitations of LTD policies when shopping for one.


The reason banks charge fees for wires, is because the Federal Reserve charges banks to send the wires. The Fed charges the banks a hefty fee, so the banks have to charge you a hefty fee to make up for it. Any time any business gives you a service for free, its because they think they can make more money off of some other service or product they are selling you. So the question becomes, How can I make myself valuable enough to a bank that they will waive my wire fees? The account you linked to is a good example of this: the monthly service charge, along with the $0.50 charge every time you use your debit card, would make up for the number of wires most people send.


"**Poverty in the United States** Poverty is a state of deprivation, lacking the usual or socially acceptable amount of money or material possessions. The most common measure of poverty in the U.S. is the ""poverty threshold"" set by the U.S. government. This measure recognizes poverty as a lack of those goods and services commonly taken for granted by members of mainstream society. The official threshold is adjusted for inflation using the consumer price index. *** ^[ [^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/economy/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot) ^] ^Downvote ^to ^remove ^| ^v0.24"


The extra money will go toward principal (assuming you're paying on time and don't have late fees).


I think of these things in terms of risk. Investing in individual stocks is risky, and investing in brand new individual stocks is riskier still. However, the payoff can be quite high. The fact that you work at the company increases your exposure. If the company goes under, then not only have you lost your investment, but you've lost your job and income as well. It really depends on how much of your total portfolio this investment represents. Consider the following: If you can say yes to all or most of these, then a small investment in your company is fine. If you end up losing your investment, you'll still be okay. I think it can help a company when the employees have a little skin in the game. I hope it pays out big for you.


I suggest rolling it over to the 401(k) with your new employer. Particularly if they match any percentage of your contribution, it would be in your interest to take as much of that money as possible. When it comes to borrowing money from your 401(k), it looks like the issues AbraCadaver mentioned only apply if you don't pay back the money (http://www.kiplinger.com/article/real-estate/T010-C000-S002-borrowing-from-your-retirement-plan-to-buy-a-home.html). The reasonable argument against taking money out of your 401(k) to buy a home is that it leaves a dent in your retirement nest egg (and its earning power) during key earning years. On the plus side for borrowing from your 401(k), it's very low interest--and it's interest you're paying back to yourself over a 5-year period. At its current value, the most you could borrow from your 401(k) is $35K. If you're fortunate in where you live, that could be most or all of the downpayment. In my own experience, my wife borrowed against her 401(k) balance for the earnest money when we purchased a new home. Fortunately for us, an investor snapped up my previous home within 4 days of us listing it, so she was able to pay back her loan in full right away.


BENT Enterprise world-class interactive website designer in USA, we offer a significant boost and help you advance in a highly competitive world. Our expert programmers use a variety of open source and closed source technologies to create agile, responsive, feature rich, interactive web pages that become a platform for interaction with Nevada llc, buyers, and staff, helping to increase efficiency and increase Productivity image. We work on projects of all types and sizes. We have what it takes to bring your projects and web desires to life.


Look at the processing power and chips though. It gets beat on the tech side by most tablets on the market (they are a lot more expensive though). It really is just a tablet with wireless controllers that runs Nintendo IP.


I went here: Consumer Loan Law. It seems that a consumer loan is anything other than a business loan or mortgage. However, in California it seems to include a mortgage. It's a bit weird to see that a HEL can be considered a consumer loan even if it is the primary or the only loan on a property. Getting a HEL can be a great low cost way to (re)finance a property as they tend to have low or no closing costs and lower interest rates.


Some banks are bankrupt, or so close to it that they can only pretend to give real dividends in a desperate attempt to keep investors from fleeing and driving their stock price (and thus credit rating) down into a pit of despair. Other banks (like jpmc) are not in bad shape, have cash, and are quite happy to disburse it.


> If the state doesn’t do it, will it not happen? Correct - if the government/state doesn't provide health care then the poor are less likely to get health care. We know that is the case because we can compare the US to european countries. > Do we not want persons to eat because we object to the state raising grain? That doesn't make any sense - the state doesn't need to raise grain in order to let everyone eat. They could buy the grain from companies that raise grain, and distribute that for free, for example.


Thanks everyone. Just how would you suggest I incentivize a customer base that is 90% vacationers. Not really repeat every year visitors. Those would be easy. A discount on the next dive. But for the people who are just on honeymoon. They stop in and want to dive one day or rent snorkel gear and they never come back. We need something that we can give them after the fact since they pay up front.


I’m sure you wouldn’t say that conflicts of interest are ok? This is obviously one. Is your argument just that we don’t have proof bezos explicitly ordered this article? Or we don’t have proof that there is pressure, direct or indirect, on authors to write pro amazon stories (pressure is new or old)? To be clear, we will never, ever have evidence that such things are occurring, getting evidence for some of things is basically not possible. So I don’t think we should sit here and say “well we don’t have proof”. Instead we should say “this is an obvious conflict of interest, and that should be seriously considered when evaluating the content of this article”. Soft power is hard to prove.


The software you provided as an example won't teach you much about investing. The most important things of investing are: These are the only free lunches in investing. Allocation tells you how much expected return (and also how much risk) your portfolio has. Diversification is the only way to reduce risk without reducing return; however, just note that there is market risk that cannot be eliminated with diversification. Every penny you save on costs and taxes is important, as it's guaranteed return. If you were to develop e.g. software that calculates the expected return of a portfolio when given allocation as an input, it could teach you something about investing. Similarly, software that calculates the average costs of your mutual fund portfolio would teach you something about investing. But sadly, these kinds of software are uncommon.


"> In Moraga, where the council discussed establishing a poet laureate position before approving the fiscal distress declaration The problem has a lot more to do with management and priorities than ""people are not doing a damn thing to help their local communities."" If a community takes in sufficient taxes to meet their needs and squanders it, people with sense aren't going to ""help"" (whatever you mean by that)."


"I don't have any sympathy for Wall Street insiders, and am greatly in favor of giving law breakers real sentences. But look, any facebook buyer that feels ""cheated"" here needs to take a good long look in the mirror. It's not illegal to sell something at a preposterous, outrageously high price. You can claim that you were ""mislead"" by the seller, but by doing that, you abdicate your personal responsibility to think through your own decisions carefully, and come to your own understanding of what they're worth. If the primary basis for buying facebook stock was that *Mark Zuckerberg* said $38 was a good buy, and you couldn't take a few minutes out to decide if that made sense for yourself, for your own sake you should really get out of the stock market."


You are saving around 2.41% over the Car Loan for a duration of 35 months. Check out if the fees for redrawing on home loan and fees for closing the matches the money saved. Edit: If you are making your current car payments as additional monthy payments to your mortgage then you are in effect paying less interest than current car loan.


Its on their servers which means its accessible via the internet. And why are you concern about police license plate vacuums? You afraid they are going to clean your plate? And why are you more afraid of the DMV getting hacked? If the DMV gets hacked they won't have access to your credit card info at best social security number.


I’d chalk amazon up to 1) the market giving then a pass on earnings, 2) AWS rising to eat everything else. I didn’t think it could break past 750-800 last year. Netflix on the other hand...not sure on the value there. Best case scenario they are HBO or all the content providers realize the game sucks and go back? Content is king and everyone is charging more and more for it OR launching their own streaming options. Unlike hbo, I can subscribe for a month and consume all the content I want and then be done. The pro for them is their service is amazing...apps, online, etc. really good experience.


That is utter horseshit. There isn't a first world nation anywhere in which there is a black majority. From Madagascar to Jamaica. And for whites? From new Zealand to America, the exact opposite. I'm willing to have my mind changed. If someone can explain why that is the case, I'm more than open to hearing it. But from where I sit, it seems extremely self evident.


"Stripping away the minutia, your question boils down to this: Should I take a loan for something that I may not be able to repay? The correct answer, is ""No""."


**Retail apocalypse** The retail apocalypse refers to the closing of a large number of American retail stores beginning in 2016. Over 4,000 physical stores are affected as American consumers shift their purchasing habits due to various factors, including the rise of e-commerce. Major department stores such as J.C. Penney and Macy’s have announced hundreds of store closures, and well-known apparel brands such as J. Crew and Ralph Lauren are unprofitable. Of 1,200 shopping malls across the US, 50% are expected to close by 2023. *** ^[ [^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


The short answer is yes you probably can take the deduction for a home office because the space is used exclusively and you are working there for the convenience of your employer if you don't have a desk at your employers office. The long answer is that it may not be worth it to take the home office deduction as an employee. You're deduction is subject to a 2% AGI floor. You can only deduct a percentage of your rent or the depreciation on your home. A quick and dirty example if you make $75k/year, rent a 1200 sqft 2 bedroom apartment for $1000/month and use one bedroom (120 sqft) regularly and exclusively for your employer. You can deduct 10% (120sqft/1200sqft) of the $12000 ($1000*12 months (assumes your situation didn't change)) in rent or $1200. However because you are an employee you are subject to the 2% AGI floor so you can deduct $1200-$1500 (75000*.02 (salary * 2% floor)) = -300 so in order to deduct the first dollar you need an additional $300 worth of deductible expenses. Depending on your situation it may or may not be worth it to take the home office deduction even if you qualify for it.


Sysco is rather pragmatic, if people are buying it, they'll sell it. There's an entire section in their catalog for local. We don't use them because they're so expensive but it is tempting because it's so much easier.


"Trump is paying off his election ""debt"" to the oil industry because if he doesn't their money won't be there the next time he needs it. If you think he gives a shit about anything else, you've been smokin' Colorado way to much."


"From Pub 550: More or less stock bought than sold. If the number of shares of substantially identical stock or securities you buy within 30 days before or after the sale is either more or less than the number of shares you sold, you must determine the particular shares to which the wash sale rules apply. You do this by matching the shares bought with an equal number of the shares sold. Match the shares bought in the same order that you bought them, beginning with the first shares bought. The shares or securities so matched are subject to the wash sale rules. You must match ""beginning with the first shares bought."" If only activity 1 & 4 happened, you'd have bought and sold stock with no wash sale. If you remove activity 1 & 4 from consideration because they are a ""normal"" or non-wash sale transaction, then the Activity 2 or Activity 3 trigger a wash sale. The shares in lot 1 are sold for disallowed loss, so the disallowed basis would be added to shares in lot 2 because lot 2 was purchased before lot 3. (hat tip to user662852 who had much better wording) Second example: Activity 5, 7, and 8 all together would not be a wash sale. The addition of activity 6 creates a wash sale. The shares in Activity 5 are sold for a disallowed loss in Activity 7 & 8 because of the wash sale triggering purchase in Activity 6. Activity 6 is where you add the disallowed basis because they are the ""first shares bought"" that cause the wash sale rule to be triggered."


Whenever a large number of shares to be sold hit the market at the same time the expectation is that the price for each share will drop. The employees in a normal market would be expected to sell some of their shares at the first opportunity. Because during the dot com boom some companies employees were able to become millionaires, every employee at a tech IPO hopes to be richly rewarded. If the long term prospects of the stock price are viewed by the employees as a continuous path up, then the percentage of shares that will hit the market is low. They do want some instant cash, but want the bulk of the shares to capture future growth. The more dismal the long term price lookout is, the greater the percentage of shares that will hit the market. The general consensus is that as each of the Lock Ups expires a significant percentage of shares will be sold, and the price will suffer a short term drop.


It's no coincidence that the companies really putting muscle behind this are some of the biggest in the world (Google, IBM, EY). As the article points out, they're bypassing colleges altogether to better access the best available talent. With the mega resources those companies have, all training can be provided on site. There's no need to wait 3-5 years to hire when they can do it now. There are definitely pros and cons to this, but it certainly levels the playing field. In theory, someone from a inner-city ghetto may outperform an ivy league graduate in a well-designed competency test, proving their worth based on merit rather than money. I expect it's something that will slowly begin to catch on as more businesses spot the opportunity.


I'm mainly interested in scraping market data in order to create screening tools involving stock price technicals, stock fundamentals, derivatives, interest rate data, and futures contracts. I'm not aware of anyone making a screening tool that can integrate all of these things simultaneously. What is the best environment to create a tool like this?


There are two problems with your understanding: The companies I have worked for match based on a percentage of your salary. That is a percentage of your gross pay. It was not based on the percentage of your net pay or after-tax pay. Net pay would be too hard to know. What I mean is the amount of insurance, HSA, Flex spending accounts, etc. determine how much is taxable and thus what is your after-tax pay . In fact if you split between the Roth and Pre-tax forms of the 401K your retirement contribution would influence the amount of the after tax contribution. All matching funds no matter the nature of the contribution (pre-tax, post-tax, Roth) are always considered pre-tax. You didn't pay taxes on the money when it was credited to your account.


"Depending on what is the meaning of AI. If strong AI is created (nobody knows when), all humans will become obsolete overnight. If AI means Watson and deep learning, it also strongly depends on software developments that Accenture clowns have no idea about. Either way, its absolutely worthless ""research""."