Really no different than the subprime mortgage crisis in a way, you have people who have been given lines of credit that they can just barely afford when things are going well, and then now as soon as business takes a hit for the first time they're up shit creek. I feel a bit sorry for some of the people caught up in this, I understand that some of these immigrants don't neccesarily have the means to do anything else, and many of them I'm sure don't have the intelligence/education to understand the matter fully (i.e. the 76 year old guy who didn't sell his medallion, dumb move). But at the end of the day you did it to yourself, nobody in this country is forced to take loans at gunpoint.


You put 20% down and already owe the 80% or $80k, so you don't have the ability to borrow $100k or even $20k for that matter. As LittleAdv stated, the banks have really tightened their lending criteria. Borrowing out more than 80% carries a high premium if you can get it at all. In your example, you want the property to increase in value by at least 10% to borrow $10K.


I wish that I could share the same positivity as you, but aerospace is going (I'm a mechanical engineer btw). Boeing has been our biggest airplane producer and the only company to rival airbus, but their production (and design) is being moved to China. https://www.google.com/amp/s/www.forbes.com/sites/lorenthompson/2015/09/23/boeing-to-build-its-first-offshore-plane-factory-in-china-as-ex-im-bank-withers/amp/ What you're talking about with computer tech still being stronger in the US vs China is a common misconception. Though we are a powerhouse worldwide in CS with people all over the world using sites like Facebook and google, China made a smart decision years ago to block these sites and have their own similar sites developed in country. These sites are every bit as powerful and almost as commonly used as their American counterparts. As far as the language and cultural barriers go this is a barrier that the Chinese are easily and quickly overcoming (just as Korea and Japan had done in the past). China is the biggest international market for consuming American made entertainment and Americans and Europeans are moving in the thousands to China to teach English and teach western customs.(my sister has been teaching English there for the last 3 years) Finally, the Trump bullshit. I guess you could say you're guess about his lasting effects on our country are as good as mine, but I think we could both agree that they wont be good.


That's fair, but given the calls in this thread for the share price to drop 15% off this, for wells Fargo to be treated as a criminal Enterprise, etc., these are pretty small numbers considering. About a third of a percent of annual profits is not exactly something to call for the share price to tank, and a lack of effective controls is not a reason to define a long-standing business as a criminal enterprise.


I would just ask him plain and simple for a shadow opportunity. Just as you said, he has an open door policy and what better way to show it to his employees. And to really hold him to the policy. As for what questions to ask it depends on what you want out of life. This person is at a very high level so they obviously know a good bit, or at least how to achieve that level. One thing I'd say to do is to not make all of your questions about business. Mix it up and ask him some personal things like his hobbies, but nothing to personal. Try to build a relationship with him in what time you have and maybe this will lead to further opportunities.


"The value of getting into the landlord business -- or any other business -- depends on circumstances at the time. How much will it cost you to buy the property? How much can you reasonably expect to collect in rent? How easy or difficult is it to find a tenant? Etc. I owned a rental property for about ten years and I lost a bundle of money on it. Things people often don't consider when calculating likely rental income are: There will be times when you have no tenant. Someone moves out and you don't always find a new tenant right away. Maintenance. There's always something that the tenant expects you to fix. Tenants aren't likely to take as good a care of the property as someone who owned it would. And while a homeowner might fix little things himself, like a broken light switch or doorknob, the tenant expects the landlord to fix such things. If you live nearby and have the time and ability to do minor maintenance, this may be no big deal. If you have to call a professional, this can get very expensive very quickly. Like for example, I once had a tenant complain that the water heater wasn't working. I called a plumber. He found that the knob on the water heater was set to ""low"". So he turned it up. He charged me, I think it was $200. I can't really complain about the charge. He had to drive to the property, figure out that that was all the problem was, turn the knob, and then verify that that really solved the problem. Tenants don't always pay the rent on time, or at all. I had several tenants who apparently saw the rent as something optional, to be paid if they had money left over that they couldn't think of anything better to do with. You may get bad tenants who destroy the place. I had one tenant who did $10,000 worth of damage. That include six inches deep of trash all over the house that had to be cleared out, rotting food all over, excrement smeared on walls, holes in the walls, and many things broken. I thought it was disgusting just to have to go in to clean it up, I can't imagine living like that, but whatever. Depending on the laws in your area, it may be very difficult to kick out a bad tenant. In my case, I had to evict two tenants, and it took about three months each time to go through the legal process. On the slip side, the big advantage to owning real estate is that once you pay it off, you own it and can continue to collect rent. And as most currencies in the world are subject to inflation, the rent you can charge will normally go up while your mortgage payments are constant."


In addition to the other answers, which cover the risks of what is essentially leveraged investing, I'd like to point out that the 2.6% penalty is a flat rate. If you are responsible for withholding your own taxes then you are paying tax four times a year. So any underpayment on your first quarterly tax payment will have much more time to accrue in the stock market than your last payment, although each underpayment will be penalized by the 2.6%. It may make sense for someone to make full payments on later payments but underpay on earlier ones.


Math - The half-match is 3% or $3900. After 5 years, $19,500. If you stay, you are vested, and have $20K (I hope it's actually far more) extra. For you, it's like 2 month's salary bonus after 5 years. If you leave early, the good news is that even if the expenses within the plan weren't great, you have the money you put in, along with what vested so far. You move that to an IRA and choose your own thrifty funds or ETFs. For me (as Duff said, there's no one answer, so to be clear, this is my feeling, or preference, not gospel) 6% is far too little to save as a percent of my income. So if the 401(k) fees ran say .8% or higher, I'd put in the 6% to get the potential match, and then save on the side. Our answers might change slightly depending on the exact fees you're exposed to.


"> No, it's realistic to try... I disagree. I think most minimum wage people would better off investing in lottery tickets. (And I think lotteries should be illegal). > I'm not 100% on clear on why some new businesses succeed and some fail. Let me give you some reasons why a minimum wage person will almost certainly fail when trying to start a business: * No skills -- If they had skills to offer they wouldn't be making minimum wage. * No product -- Few minimum wage workers are in positions where they are working with a product they have the ability to improve, a-la Eli Whitney. This means any company they start would need to be selling a skill, not a product, but then see ""No skills"". * No business savvy -- A business takes a minimum of three diverse skill sets (administration, marketing, product). Again, ""No skills"". If this person did have some skills (s)he would still need friends to fill in the gaps. * No time -- Many people working minimum wage have other responsibilities (kids or second jobs). They simply do not have the cycles to invest in a new business. * No starting capital -- Since they work minimum wage they have no money. With no money they can't afford tools needed to make or provide their product. The also can't afford to go without a paycheck as the business ramps up. * Barriers to entry -- Existing companies will defend their customers and protect their market share. The local store will chase you away if you try to sell lemonade in front. You would need to buy a storefront or booth but ""No starting capital"". In addition, any good storefront or booth is already taken by the bigger guys so you're going to get poor traffic in whatever you get. * Bad information -- There are many companies whose business is to take advantage of low-wage entrepreneurs and push terrible ideas. These people become disillusioned pushing bad products or getting into multilevel marketing schemes."


As someone who spent the first 20 years of their life living in and around the city (with family working in multiple casinos) I wonder how many of the people commenting here actually have a grasp of what's going on in Atlantic City. While not totally off, the generalizations and explanations from several people who appear to have never set foot in the state -- much less the city -- do not come close to covering what has gone on in Atlantic City for decades.


Couple of thoughts... Opposition research is valuable to campaigns. They spend millions of dollars developing it. So it definitely has value. I don't believe it has to be cash or equivalents to be illegal. Foreign governments could just buy air time for candidates. It's the same thing. Don Jr may *not* have actually gotten anything of value. That is uncertain. No one knows what happened in the room. He *did* demonstrate an intent to get that thing, and collude in the process. We don't know, so that's why you investigate. It's entirely possible that Don Jr tried to collude, but failed. I also think there's reason for suspicion about the content of the meeting. First it was about adoption. Then it was something else (I can't remember the exact timeline of explanations). If it was innocuous, there would have been one unchanging story.


> If there was, we probably wouldn't be having this conversation. personally, i haven't been to walmart in probably six years, despite living in cities. i buy my necessities at my grocery store, since i'm already there to buy food. i use amazon a lot. i think the problem of monopoly (i'm using this term loosely - walmart isnt technically a monopoly) will be fixed with cultural improvement. people will become more aware and smarter. people will become richer and care more about a company's human rights record, environmental record, etc. but for now, walmart is a good company. it provides a lot of people with cheap products, which allows them to have a better life and spend money on other things. the main problem IMO is that the govt/fed has caused our economy to self-destruct. so people are eager to get low prices. if the govt were smaller (something i assume you are against), our economy would get better, and poor people would be better off. ron paul and libertarians DO believe their beliefs are best for the poor.


+1. Most ETFs (namely the passive index-tracking ones) will be taking liquidity via market on close orders, since they absolutely need to be filled. Active ETFs, which may have more discretion, may be able to provide liquidity during the day based on market conditions and get rebates that way.


I'm suggesting she be displayed and deployed in front of either the Washington Monument or Lincoln Memorial. I'm leaning toward the Lincoln Memorial but I'm open to suggestions from the focus group as well as input from a capable lighting designer. Experience in the horror genre may be useful but not nessesarily required.


"I don't mean to be flippant, but why not try ""titster"" or similar and see if the first three characters are the issue. If it's accepted, than you should ask the bank why they are discriminating against your religious beliefs. If it's rejected, then you know they are going overboard on avoiding certain words."


They are still here, quietly rubber-stamping every single spending increase/tax cut Trump wants. Just like they did with George W. Bush. (75% increase in federal spending over 8 years). Didn't hear those deficit hawks back then either.


Private Mortgage Insurance. It's money that you pay to an insurance company to make the lender whole in the event that you go into default. It's a real waste of money for you. If you are trying to finance more than 80% of the value of a home, a standard mortage is likely to require that you get PMI. Nowadays there are other options which involve paying substantially more interest.


"> “Americans are temporarily embarrassed millionaires in waiting.” This shit !!! As Romney said: its not about the 1% versus the 99%, it is the 57% of makers (himself alongside struggling middle class) against the 43% takers (those who are the real threat to middle class). It's not anymore about ""stability"" or ""job security"", but ""making it big"". There is an over-glorification and even idealization of multi-millionaires which is unhealthy, leads to their further exploitation, and inequalities."


People thought they were being responsible by getting their degree in the first place and are unable to find a job afterward. Do you think their lacking the ability to repay huge loans with no income is them being irresponsible?


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In this case it is probably best to have a separate line for each degree, since they were not earned at the same time. You can probably find some examples by searching around. I am USA based so you might also want to check if there are regional differences in layouts. My input is based on USA styles.


"He didn't sell in the ""normal"" way that most people think of when they hear the term ""sell."" He engaged in a (perfectly legitimate) technique known as short selling, in which he borrows shares from his broker and sells them immediately. He's betting that the price of the stock will drop so he can buy them back at a lower price to return the borrowed shares back to his broker. He gets to pocket the difference. He had about $37,000 of cash in his account. Since he borrowed ~8400 shares and sold them immediately at $2/share, he got $16,800 in cash and owed his broker 8400 shares. So, his net purchasing power at the time of the short sale was $37,000 + $16,800 - 4800 shares * $2/share. As the price of the stock changes, his purchasing power will change according to this equation. He's allowed to continue to borrow these 8400 shares as long as his purchasing power remains above 0. That is, the broker requires him to have enough cash on hand to buy back all of his borrowed shares at any given moment. If his purchasing power ever goes negative, he'll be subject to a margin call: the broker will make him either deposit cash into his account or close his positions (sell long positions or buy back short positions) until it's positive again. The stock jumped up to $13.85 the next morning before the market opened (during ""before-hours"" trading). His purchasing power at that time was $37,000 + $16,800 - 8400 shares * $13.85/share = -$62,540. Since his purchasing power was negative, he was subject to a margin call. By the time he got out, he had to pay $17.50/share to buy back the 8400 shares that he borrowed, making his purchasing power -$101,600. This $101,600 was money that he borrowed from his broker to buy back the shares to fulfill his margin call. His huge loss was from borrowing shares from his broker. Note that his maximum potential loss is unlimited, since there is no limit to how much a stock can grow. Evidently, he failed to grasp the most important concept of short selling, which is that he's borrowing stock from his broker and he's obligated to give that stock back whenever his broker wants, no matter what it costs him to fulfill that obligation."


"Amway is the quintessential multi-level marketing business. It's the legal equivalent of a pyramid scheme. Basically, you put up a bunch of your own cash (or a little, depending on the current market) and then essentially become a sales force of one for selling their crap. The kick comes in when you realize that there is little money in selling amway products but instead in setting up and recruiting people to do it for you. That's the crux of multi level marketing, you constantly foist the sales work onto other folks and move higher up the ""pyramid."" Plenty of other companies like Mary Kay, doterra, thirty-one, pampered chef, etc. do this crap."


"> The Author clearly has no freaking idea what the hell he is talking about. I have an idea of what's going on. And my experience comes from earlier in my career, when I acted as an execution trader at several hedge funds. Rebates are offered by the exchange so that the exchange can make money. It isn't a public service or some great sacrifice. Let me tell you how it works: Somebody at XYZ exchange/bank takes you out for a nice steak dinner. Then maybe they take you to the strip club. There may be some blow involved. If the broker is particularly nice, they'll pay for an experience in the *actual* ""champagne room."" Then you go back to your desk on Monday, look at the flows you're disbursing to various brokers and exchanges, and make your ""adjustments"" based on how much you enjoy hanging out with the broker/salesperson. Oh, and of course the ""rebates."" Which to you barely make a difference, because you're just an execution trader. You aren't in it to make money. The analysts don't know what you're doing, and there's a good chance that the PM doesn't, either. It's easy to do, because tracking ""best execution"" is beyond the comprehension of the SEC. Oh, if they only knew...and could actually act on it. But we all know they don't really want to, because almost to a man they're each waiting for their turn at the revolving door that will usher them on to a lucrative private sector career."


Well that will depend on the time frame you are looking at it. You can't compare the RSI on a five minute chart to the RSI on a daily chart. The minute chart would represent the momentum of very small trends whilst the daily chart would represent the momentum of much larger trends. On the daily chart the shares might be experiencing a strong uptrend with a rising RSI. During each day the price might move up at the open then come down some, then back up a bit more and repeat this several times during the day before closing higher. During the day the RSI might have moved slightly higher. But during a single day on the 5 minute chart the price may have gone through several up and down trends, with the RSI going into oversold and overbought several times. What you should be looking at to strengthen the signal from the RSI is to watch for when the RSI is in the overbought at the same time the price is reaching a peak, or when the RSI is in the oversold at the same time the price is reaching a trout. These could represent potential turning points in price. The time frame to use would depend on the type of trading you are attempting to undertake. If you prefer day trading (being in and out of a trade in minutes to hours) you might look at time frames of minutes to hours. If you prefer longer term position, trend or swing trading you would probably stick to daily charts. If you prefer longer term active investing you might stick to a combination of daily, weekly and monthly charts.


If this is the case then it will never get past the Senate. It requires 67 votes to be approved for ratification. Negotiators know this. Anything that they think will prevent passage by the Senate will not be in the final draft of the agreement. It's not like they can just sneak this past the Senate and the people. They can only keep the negotiations secret, the full agreement will be public and hotly debated well before it would be put to a vote in the Senate.


"Unfortunately too many companies view a Mail in rebate as an unwelcome cost instead of as a customer interaction issue, and it gives the company a bad reputation when someone gets stiffed on the mail in rebate, and it also has basically ruined the concept to a large degree. Many people will simply regard the rebate as worthless and evaluate the product based on the full price - killing what the company wanted to get out of it (Rich Seller hit the nail on the head), which is why you see ""instant rebates"" etc."


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1. It doesn't have an almost perfect negative correlation - its value decays very fast because of time. In fact, something like 80% of options expire worthless. They typically have a lifespan of 30-90 days and unless you're using them as a way to earn excess return, you'll likely just throw away your premium. 2. You're also making some assumptions about correlation and risk/reward. You won't become wealthy by distributing risk, all you can hope for is less volatility - maybe that's what you're looking for - but you can also expect your return to be less than the market over almost any period of time. 3. Options aren't really for diversifying. Furthermore, why diversify? It's a myth that it adds any value. There's around a 90% correlation for all asset classes since around 2000, so you're being sold some blue sky if someone tells you otherwise. 4. Look up prices of put options. 1-2% of your portfolio might buy you a handful of options, but again, there's a high probability you'll lose that 1-2% entirely every 30-90 days.


IRS Pub 561 says you have to use fair market value. You cannot simply use a depreciated value. You should attempt to determine what people normally pay for comparable items, and be prepared to defend your determination with evidence in the event of an audit.


As a 20 year old who has just started earning enough to save, I suggest showing them the different types of lifestyles they could live in the future if they started saving now versus what their life would be like if they didn't save at all. Try showing them actual dollar values as well so it's not just an arbitrary idea.


"I haven't dealt with this kind of thing in any way, but I found some quotes from IRS publications which I think are relevant and hopefully help. Your scenario sounds to me like a Qualified Tuition Reduction as described in Publication 970 Tax Benefits for Education. It appears the rules are different for graduate study as opposed to pre-graduate work, though I don't see anything about any dollar amount limit. There are various requirements and exceptions, so hopefully reading through that section of the publication can help you understand whether the benefit is supposed to be taxable. If taxable, it should show up on your W-2 like any other income: Any tuition reduction that is taxable should be included as wages on your Form W-2, box 1. Report the amount from Form W-2, box 1, on line 7 (Form 1040 or Form 1040A) or line 1 (Form 1040EZ). It doesn't appear that there is any special designation or box for the tuition reduction as opposed to ""normal"" work, it just is income that's been earned like any other. If you need guidance on how much of the income is for ""normal"" work and how much is for the tuition reduction, you probably need to see if you can figure it out from her pay stubs, or contact the university's HR department. Well, looking through the credits I see in Publication 970, there appear to be two possible credits: The ""American opportunity credit"" section, under ""No double benefit allowed"", says things like (my emphasis added): You can't do any of the following. ⋮ My understanding from reading through the section is that expenses are only excluded if they were tax-free, so that there can't be a double-dipping of benefits. If they're included as taxable income, I think they would count under your second interpretation, that the employer paid them like any other income, and your wife spent them as educational expenses just like other students, and they would qualify for educational credits. In fact, it explicitly states: Don't reduce qualified education expenses by amounts paid with funds the student receives as: Which sure sounds to me that anything that counts as W-2 Box 1 ""Wages"" would be payments received that then the expenses were logically paid separately from. The other credit, the ""Lifetime Learning Credit"", appears to use identical language (No double benefits; and don't reduce by wages). Obviously this is just from my looking through Publication 970; there may be more nuances here and for ""real"" advice you may want to speak more to the university HR department (who perhaps have dealt with this before) and/or a real tax advisor. You might also see if you can get any sort of a ""receipt"" or even a Form 1098-T from the university of what amount was paid on your wife's behalf, to help document it is truly that she was just paid more wages and spent them on classes as far as tax law is concerned."


"can you expand on what some of these opportunities have been? Unless you are possibly in sales, I can't think of anything other than the obvious ""network your way into a better job"" opportunities. It sounds like you are referring to something completely different, though."


"Is any article painting a company's policies in a positive light by difinition a ""spin piece""? Costco has been paying their employees more than their competitors for ages as it leads to better productivity and less turnover. Try looking at the world in a less cynical light, you'll be happier for it."


"JoeTaxpayer nailed it. Here's another way to look at it: Generally, we invest in something, then might leave it there for a few years, then take it out, but don't touch it in between. In that case, to get the final amount X(N), we need to take the initial amount, then multiply by growth in the first year, then multiply by growth in the second year, etc. So, for three years, we have: X(3) = X(0) * G(1) * G(2) * G(3) = X(0) * ""average annual growth"" ^ 3 So, here, we see that we want the average annual growth to the power three equal to the product of the annual growth rates, thus, geometric mean: geometric mean = (G(1) * G(2) * G(3)) ^ (1/3) On the other hand, consider a situation where I have three investments X,Y,Z over one year. Now I have, after one year: X(1)+Y(1)+Z(1) = X(0)*G(1,X) + Y(0)*G(1,Y) + Z(0)*G(1,Z) = ( X(0)+Y(0)+Z(0) ) * ""average annual growth"" Now, in this case, if we assume X(0) = Y(0) = Z(0) = 1, i.e. I put equal amounts in each, we see that the average annual growth rate we want in this case is the arithmetic mean: arithmetic mean = (G(1,X) + G(1,Y) + G(1,Z)) / 3 (if we had unequal amounts at the beginning, it would be a weighted average). TL;DR:"


A few things you might run into:


Banks want to be paid back, and if you don't, then want to be able to sell your property for enough money to cover what you didn't pay back. Your credit rating will determine the interest rate you pay, and this affects how much you can borrow because a higher interest rate means that you can borrow less on the same terms than you could with a lower interest rate. Paying 50% down will bring your payment way down, of course, and will improve everything about your loan (debt to income ratio, debt to equity) but you'll likely still be charged the higher interest rate based on your credit rating. This, of course, is contingent on the property's value appraising properly.


"Most articles on investing recommend that investors that are just starting out to invest in index stock or bonds funds. This is the easiest way to get rolling and limit risk by investing in bonds and stocks, and not either one of the asset classes alone. When you start to look deeper into investing there are so many options: Small Cap, Large Cap, technical analysis, fundamental analysis, option strategies, and on and on. This can end up being a full time job or chewing into a lot of personal time. It is a great challenge to learn various investment strategies frankly for the average person that works full time it is a huge effort. I would recommend also reading ""The Intelligent Asset Allocator"" to get a wider perspective on how asset allocation can help grow a portfolio and reduce risk. This book covers a simple process."


I didn't say it *is* common but that it's getting so. The job market is brutal so people are looking for everything to get an advantage thus we're seeing the classic devaluation by commonality. A CFA will be worth less going forward just given the sheer number of people who seem to be studying/taking at least level I.


There are millions of websites available on the Internet but only a few stand-out and build their reputation in the online world. The overall design, look and feel of the website has a major role to play in this. Intelligent designs involve many other aspects than just creativity.


What's your background? Or what is it that gives you the impression that those things are not meaningful? It just seems like a bizarre thing to say to me and I'm trying to see if we have just different backgrounds or if there's something else at play to account for our clearly different perspectives.


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What's crazy is that you hear a lot (comparatively so) about energy buyers and sellers, but not about the actual distributors. Its like being the stooge for the middle man. You think you are going to make good money, but its nothing compared to the big guy.


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It depends. If you accept the offer, then your stock will cease existing. If you reject the offer, then you will become a minority shareholder. Depending on the circumstances, you could be in the case where it becomes illegal to trade your shares. That can happen if the firm ceases to be a public company. In that case, you would discount the cash flows of future dividends to determine worth because there would be no market for it. If the firm remained public and also was listed for trading, then you could sell your shares although the terms and conditions in the market would depend on how the controlling firm managed the original firm.


I think you should consult a professional with experience in 83(b) election and dealing with the problems associated with that. The cost of the mistake can be huge, and you better make sure everything is done properly. For starters, I would look at the copy of the letter you sent to verify that you didn't write the year wrong. I know you checked it twice, but check again. Tax advisers can call a dedicated IRS help line for practitioners where someone may be able to provide more information (with your power of attorney on file), and they can also request the copy of the original letter you've sent to verify it is correct. In any case, you must attach the copy of the letter you sent to your 2014 tax return (as this is a requirement for the election to be valid).


I don't know much about the convertible debt space, but it seems like this regulation may be a positive sign that the government is being proactive in preventing financial institutions from developing overly complex debt structures (at least on an on-going basis) that get the global economy back into trouble. Does anyone with a more informed opinion than my own have something to share?


"What's funny is this scam was like a plot the villains used in some American comedy movie about politicians I can't remember the name of. They were trying to bring entire factories of Chinese people here to work. Made a big joke out of it saying they called it ""insourcing"". Funny that it's actually a reality that has already destroyed wages for construction workers, and IT."


"I hate ""10% of the difference"" idea. It's only real value is in words, for example: BB has a TV for 599. Newegg has it for 579. Best Buy matches, takes 10% of the difference off, and you pay $577 + tax. Still not cheaper :/"


To be clear, the fed or the poll didn't say the economy got worse. And it certainly didn't say that QE caused the weak economy. It's just a survey of opinion. And since it's the first one we don't know if people's opinion is getting better or worse.


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Problems with your plan (in no particular order) there is a limit, once they have decided that you have enough credit they won't offer any more. If the economy changes (like it did in 2008) they can reduce the limit on existing accounts. If you don't use them, they may decide to close them. Using existing cards will encourage the bank to increase the limit on that card. opening cards can make some lenders nervous. Having a new card close to when you are applying for a mortgage or a car loan can make them less likely to lend you the max. You have to decide: Are you trying to buildup your credit limit? or your credit score?


yes you can open bank account you should have a address in us and personally visit bank to deposite $1500 only to get you a debit card.you are required to maintain min balance of $1500 only. I have done it


His credit is likely impacted already for the fact it's in collection. My real concern is that he be 100% certain the debt collector actually has ownership of the debt. At first glance this sounds like it may be a scam, but if the debt was written off, it may have been sold for pennies on the dollar. So to the collector 20% of face value is a tidy profit.


Hmm...this keeps happening, big numbers to you and I - but not so big as a deterrent or anything to stop them in the future. People in China and other countries will lie cheat and steal to move forward and get death sentences, does anyone really think a fraction of the profits fine will change anything?


"I think this gets at why some of us are becoming concerned about the volume (or more importantly the portion) of HFT in capital markets these days. You have algos trading based on ""technical trends"" which are increasingly just the behavior of other algos. Rinse and repeat. At a certain point it just becomes a feedback loop. Now, I agree that there's no reason to be scared of HFT simply because its new or fast, which is what I think threatens a lot of people. But the problem is that the economic and social utility of markets arises from their being information aggregation engines. If it gets to the point where most of the price action is driven by algos which are trading solely based on a few minutes of technical data, no new information is being contributed to the price discovery process. Now, it may be that a certain amount of ""meta-information"" can be discovered from pattern analysis of short term technical history. But it seems to me this information is more limited in both quality and quantity compared to the information inputs of thoughtful humans acting on a reasoned analysis of economic and other world events."


I tried automation and it didn't work as well. Automation is great if you want to sell or buy when a stock drops or rises; however, automation is terrible for day trading. Specifically because it is impossible to automate a program to scan every news feed. Even then, automation is only if you want to be the effect of a rise or drop in the market. A stock rises or drops and you sell or buy. The problem that arises is that it is nearly impossible to make money off of automating trades. You need to buy the stock before it rises and sell it before it drops. There is no way any program will ever be able to do that accurately.


For cross-border transactions like this you should really take advice from an accountant or lawyer who specialises in them, because there may be tax treaties between the two that complicate the situation. However, in general borrowing money doesn't have tax implications in itself, and there's no limit as such. You do need to consider the following points: If this is zero or less than you could plausibly get commercially, your friend is effectively giving you the difference between the interest rates. If your friend in Korea has a connection to the US she or he may be subject to the gift tax. In practice this only matters if the total amount of gifts they give to anyone over their lifetime plus the size of their estate over their lifetime is large. Non US-persons are exempt though if the amounts are large enough they may need to be reported. Financial institutions are generally required to report large international transactions (typical thresholds are around $10,000) for scrutiny by the government, in case the transaction is related to something illegal. This shouldn't be a problem in itself but you should be aware it'll happen. It shouldn't make any difference how you transfer the money, but it would be wise to get as much documentation as possible in case of later questions. The best place to get further advice would be the US bank you'll be transferring the money into initially. This is really a question for a lawyer given the cross-border nature of the transaction, but you and your friend should sign a contract specifying how and when the loan will be repaid. Your friend should also consider setting up the loan as a mortgage and taking a charge on your home. Even if your friend trusts you, a charge on the home will protect him or her in the event of you having financial problems and another creditor laying claim to the home.


"You need to hire a tax professional and have them sort it out for you properly and advise you on how to proceed next. Don't do it yourself, you're way past the stage when you could. You're out of compliance, and you're right - there are penalties that a professional might know how to mitigate, and maybe even negotiate a waiver with the IRS, depending on the circumstances of the case. Be careful of answers like ""you don't need to pay anything"" that are based on nothing of facts. Based on what you said in the question and in the comments, it actually sounds like you do have to pay something, and you're in trouble with the IRS already. It might be that you misunderstood something in the past (e.g.: you said the business had filed taxes before, but in fact that might never happened and you're confusing ""business filed taxes"" with ""I filed schedule C"") or it might be the actual factual representation of things (you did in fact filed a tax return for your business with the IRS, either form 1120 of some kind or 1065). In any case a good licensed (CPA or EA) professional will help you sort it out and educate you on what you need to do in the future."


As a general rule of thumb, age and resiliency of your profession (in terms of high and stable wages) in most cases imply that you have the ABILITY to accept higher than average level of risk by investing in stocks (rather than bonds) in search for capital appreciation (rather than income), simply because you have more time to offset any losses, should you have any, and make capital gains. Dividend yield is mostly sough after by people at or near retirement who need to have some cash inflows but cannot accept high risk of equity investments (hence low risk dividend stocks and greater allocation to bonds). Since you accept passive investment approach, you could consider investing in Target Date Funds (TDFs), which re-allocate assets (roughly, from higher- to lower-risk) gradually as the fund approaches it target, which for you could be your retirement age, or even beyond. Also, why are you so hesitant to consider taking professional advice from a financial adviser?


"Did you actually read the links? One said ""Our car amassed quite the repair résumé during the last 17 months."" and the other was titled ""Consumer Reports' Tesla Model S has more than its share of problems"". Edmunds and Consumer Reports are pretty well recognized companies."


"It is definitely legal, however none of such expenses will be allowed as a tax deduction for the corporation. Basically, you'll end up paying more to maintain the entity and pay taxes on its income (the rent you're paying to yourself as a corporation) at corporate rates, for no apparent benefit. Being the director/executive in the corporation will make you liable for whatever the corporation is liable, so liability isn't going away. The reason corporation is considered ""limited liability"" for owners is because shareholders are shielded from the corporate liability. Not directors or executives (which are explicitly not shielded)."


"The monthly bill should reduce as required by Loan A no longer requiring payment. This will occur only when Loan A is fully payed off, not before. If you're going to do this, make sure you tell them that any extra money is principal reduction, and not ""prepayment"" Lets say you do pay off loan A, and you continue to pay $11 a month. If you specify ""principle reduction"" for the $1 extra, they must reduce the loan balance by $1. If you do not specify, or you specify ""prepayment"", they ""may"" apply $0.20 to principal reduction and $0.80 to interest."


It's still tax-deferred savings, unless the fees are terrible it's going to be better than investments that aren't tax deferred.


"This popped up on /r/health recently. One thing that I'd point out: the assertions that you'll suffer just as much from slow diets as crash ones are speculative; toward the end of the article, it notes that ""Proietto is now conducting a study using a slower weight-loss method and following dieters for three years instead of one."" Obviously, n=1, but it doesn't jibe with my experience. I got fat. Didn't like it. I started eating a diet where I would lose weight slowly and exercising a little more. Now I'm not fat. I eat a quantity of food pretty much commensurate with my caloric expenditure, I don't spend my days starving and thinking constantly about food, and enjoy exercising regularly. This effect if it exists is definitely not universal."


It's always sad for the employees, a lot of them have been working there for years. Liquidation sales are also a nightmare. Lots of employees are leaving because they found another job and the ones left are stuck with all the mess. I wish them good luck!


Mindfulness is the psychological process for freshens the mind and beat the anxiety and depression .It is the form of meditation which provided for the depressed and mentally disturbed person. Enlightened Buddha provides you course of mindfulness for refreshing your mind and solve your mentally problem. By this change your perspective and thought and increase your capability for making decision.


Certainly some channels like History (tbf it was always a little crappy) and Discovery turned to total crap but stations like FX and AMC went from showing shitty 80's movies to producing some of the best original shows of all time. Sci-fi has gone mostly shit, but it still does sci-fi original programming. Really, DVDs, DVR and Netflix have ruined rerun value. Networks can only make money on new stuff. So they show shit most of the time, and go to good stuff of a couple hours a week.


I'm a bot, *bleep*, *bloop*. Someone has linked to this thread from another place on reddit: - [/r/talkbusiness] [Here's Walmart's Latest Attempt at Making Life Easier and Getting You Off Amazon](https://np.reddit.com/r/talkbusiness/comments/77zn6v/heres_walmarts_latest_attempt_at_making_life/) [](#footer)*^(If you follow any of the above links, please respect the rules of reddit and don't vote in the other threads.) ^\([Info](/r/TotesMessenger) ^/ ^[Contact](/message/compose?to=/r/TotesMessenger))* [](#bot)


Disclosure - I love Jack Bogle. Jack basically invented the index fund, and as a result, let the common investor have an opportunity to choose a long term return of (S&P-.05%) instead of losing nearly 2% that many funds in that day charged. The use of index investing has saved investors many billions of dollars. The 1% round trip, total cost to buy/sell, was common. Fees for trading have since dropped. I happen to use Schwab who charges $9 for a trade. On $100,000, this is not .5% ($500) but less than .01%. I think it's safe to say that billion dollar mutual funds are paying even less for trades that I do. I believe Jack's example here is a combination of old data and hyperbole. The cost is not so much for the trades, per se, but for the people managing the fund. An index fund has a manager of course, but it's pretty much run by a computer.


Technical analysis is insufficient. You're halfway to figuring it out if you start to question why a 50 day moving average vs 200 vs 173. Invest in companies that are attractively valued vs. their sales/growth/divends/anythingelsereal


There is a company that will sell you single paper shares of stock for many companies and handle framing. But you pay a large premium over the stock price. Disney stopped doing paper share certificates a while ago, but you should be able to buy some of the old ones on eBay if you want.


"> Why do people act as if the minimum wage was created for high school students who are working part time? I don't know. The minimum wage was created to protect unions from cheaper labor undercutting their monopoly on labor. >“No business which depends for existence on paying less than living wages to its workers has any right to continue in this country...By living wages, I mean more than a bare subsistence level — I mean the wages of a decent living.” - FDR ""Round up the people with the slanty eyes and yellow skin and put them in internment camps."" -FDR"


i would just google it and shit like that. How did you even get this interview and you have no idea what its about. I would kill for an opportunity like this and i would be scavenging the internet looking up all kinds of information about this position.


I have a basic template for creating a balance sheet, cashflow statement and P&L. From here you can put in your assumptions, and expenses, then plug in your forecasted revenue (which you need to create on a separate spreadsheet. Would something like this help?


I think there is some confusion. I am saying I don’t understand. Not that “the point is not understandable”. I make these comments in hopes that someone can educate me. Yet I’m downvoted and criticized and receive none of the info I was curious about. Is there a sub that discusses economics as opposed to shouting down people that have questions as having bad logic? Could you help me phrase my lack of understanding in a way that conforms to the expected decorum on this subreddit?


I'm on chapter 6 now. And I know for sure I need to study 1-4 the most. All the other chapters are coming to me easily since I work in a broker dealer back office processing most of this stuff.... I'll make sure to go through all the Q bank questions and practice questions, quizzes...etc.. thanks


No I am a technology consultant. I have a serious beef with Facebook. It's a closed system, meaning you have to sign up for an account to view content on it, and every time a business uses Facebook what they're really doing is advertising facebook for free. Which is not how it should be done. I always tell people that social media should be used to funnel visitors to their business and not the other way around.


Why not yet phone up the old bank, or log onto the internet banking and do a transfer to the new account. You may first need to transfer from the saving account to a current account with the same bank. (I have never had a problem doing this, but I do live in the UK)


> How would you value a bond? Very basic approach is TVM. This should have been taught in your first year accounting class. http://en.wikipedia.org/wiki/Time_value_of_money > How do you value an option? Using the Black–Scholes options pricing model. BS opt pricing model is one (typically the entry level for teaching option pricing) stochastic model you can use. It has limitations due to certain assumptions made (such as constant vol) but you're correct, you can value an option with it. > How would you construct a yield curve? Draw a graph with maturity on the X-axis and yield on the Y-axis. So that's how to draw an xy plane... yes you're correct. That doesn't answer how to actually create a yield curve. The most simplest approach of creating one is to bootstrap the curve using the spot and forwards.


Economies of scale and supply chain efficiencies. Amazon has an absurd supply chain, their whole bet here is that (a) they can integrate their grocery business with the rest of their consumer services IT infrastructure to basically create a one-stop shop for everything and (b) they can use their logistics to cut prices dramatically relative to competitors.


You lose your job your pension your way of life so you can go buy shit at Wal-Mart made by communist Chinese slave labor and save $50 a month while you get the new job at minimum wage as a greeter - hey Wal-Mart FUCK YOU!!!


All investors of equal standing get the same proportion of the net assets on bankruptcy but not all shareholders are of equal standing. In general, once all liabilities are covered, bond holders are paid first as that type of investment is company debt, then preferred stock holders are paid out and then common shareholders. This is the reason why preferred stock is usually cheaper - it is less risky as it has a higher claim to assets and therefore commands a lower risk premium. The exact payout schedule is very corporation dependent so needs research on a per firm basis.


It's hard to trust a reporter who exaggerates such basic facts. Assuming it's correct to use the $800 billion figure, why not just use that instead of bloating the number up to $3.7 trillion? Like you said, if the bigger picture issue here is not $800 billion vs. 3.7 trillion, why lie about it? The end result is that while something corrupt did happen with the banks involvement in the bond market, the public isn't getting truthful information about it either way. Taibbi is doing a disservice to the public by lying, because of the huge amount of disinformation, and insincerity coming from all sides of the issue, the public has no one to trust to give them credible information, and so the issue gets ignored.


I would attempt to argue with you, but you are so far gone there is probably very little hope I have the years left in me to get you informed. Sorry, but you are lost in an Oligarchy propaganda machine that is way too powerful for me to overcome. I am very sorry for you, but I just have to give up on you.


Somewhat of a false dichotomy.. While it's obvious that a long term solution to get people off the welfare rolls is preferred, in the mean time giving a man a fish will prevent him from, you know, starving to death.. There's a very real human component to poverty that is frequently missed when budget discussions come up.


You want the net expense of the surcharge minus the rewards to be no more than the interest that you would pay otherwise. Where t is the compounding period for the rate D expressed as a fraction of the overall period for D. So if D is an annual rate (not the APR, the simple rate), it would be expressed as something like 1/365 if compounded daily. That is the number of years in the compounding period. If a monthly rate or weekly compounding, that would change. And p is the number of such time periods in the grace period. So if the grace period were one month, this might be 30. Other variables are as used in the question, all expressed as percentages (which is why I'm dividing by 100). The D rate should be the simple rate, like 6% not the APR of 6.24% or whatever. Note that I'm saying <=. When equal, there is no financial advantage or disadvantage. You could choose either method for the same cost. Now, one method may be more annoying to implement, in which case you might add a fee for it on one side or the other of the equation. Or simply change the less than or equal to be just less than. I may be missing something that you should consider but I don't know. The problem is generic enough that pertinent details might be hidden. But hopefully this at least gives you a framework under which to consider it.


I am 17 and currently have a loan out for a car. My parents also have terrible credit, and because I knew this I was able to get around it. Your co-signer on your loan does not have to be your parent, at least in Wisconsin, I used my grandmother, who has excellent credit, as my cosigner. With my loan, we had made it so it doesn't hurt her credit if I don't get my payments in on time, maybe this is something for you to look into.


You can view certain US economic data with FRED Graph or download the data to play with FRED download. Here is some example tax data:


You're not wrong, and I was somewhat disappointed by how the case played out. But what I was getting at was that maybe it's posted here because of the case's context. I heard on the news he was charged with 8 things but only convicted of 3. I can't say I know what the other 5 were. (I'd look them up but can't right now because of circumstances) I might be on a wild goose chase there but I want to find out later.


To a mortgage lender, it appears that you have a temporary contract (perhaps extending for nine more months) with a agency that supplies workers to companies that need temporary help. You have been placed currently with a company and are making good money, but that job might disappear soon and then you will have no income while your recruiter tries to find you another assignment. How will you make your mortgage payments then? The recruiter agency's contract with your current company probably has clauses to the effect that the company agrees to not offer you a permanent job unless it pays a head-hunter's fee to the recruiter agency. Your contract with the recruiter agency also likely has clauses to the effect that if the company where you have been placed offers you a permanent job, you must pay the recruiter company a fee (typically one or two months of salary) to the recruiter agency as compensation for releasing you from your current contract (unless the company hiring you pays the head-hunter's fee). This is why the company where you are working right now wants to wait until after your contract with the recruiter company ends before making you an offer of permanent employment. Be aware that sometimes such clauses extend out to three months after the ending date of your contract with the recruiter company. As far as the condo is concerned, unless there is a specific one that you absolutely must have because it has an ocean view or other desirable properties, you may well find that another condo in the same complex is available some months from now. If you are lucky, it may well have an acceptable ocean view. If you are even luckier, it may be the condo that you absolutely must have which has remained unsold all that time -- as you said, the economy is crappy -- and you will be able to buy it for a lower price from an owner getting desperate to make a sale. To answer your question: is there any way around this? My recommendation is to simply wait out the end of your recruiter agency contract and get a permanent job with the company where you have been placed. Then there are no issues. If not, get your company to make a written offer of a permanent job starting nine months from now and hope that this (together with your current employment) impresses your bank into lending you money. This might not work, though. In the early 1970s, one of my friends was offered a job at a large aerospace company which lost a major contract in the interim period between offer and joining. My friend showed up for work on the day he was supposed to start, and instead of being processed through HR etc, his job was terminated on the spot, he was paid one day's salary, and shown the door. Times were crappy then too. If this does not work, get your company to offer you a permanent job right away, pay off the recruiter company yourself, and then go to the bank.


this piece offers a step-by-step guide you can use to get rid of errors in your annual credit report. it also tackles pointers you should always remember when writing a credit dispute letter. please tell your friends about it so that they might read it too!


I believe different banks have slightly different experiences. My wife and I have both joint and individual accounts. When I sign in, I see Joint, Mortgage and Joe. When She logs in, she sees Joint, Mortgage, and Jane. It happens that the Mortgage and Joint accounts have her Social Security number attached. Aside from that, I don't feel like I am an afterthought.


I'm a debt guy, hence the bias, I guess ;) Kitchenace's answer is relevant. As for considering alternatives in a given situation, it sometimes happen. M&amp;A is often done through a combination of equity and debt for example. Mostly, issuing equity dilutes control and potential dividend returns, while debt pushes your interest charges up and adds pressure to delever or refinance later. Balancing the two will depend on the company's intentions, it's capacities (servicing debt requires a more stable cash flow generation capacity, while equity is more rewarded by strong growth potential) and a host of other factors.


"What's your take on that website? I find it to be somewhat grating. There are some nice people who want to work together and help others to get a good job, but I feel as though they are massively outnumbered by extremely aggressive jerks. You look at posts that say ""I go to HYP, 4.0 GPA and student body president. Do I have a shot at BB?"" and the replies are mostly ""nah bro, give up now"" and ""some people just weren't meant to be alpha"" and bullshit like that. I also feel like the blog posts give vague, conflicting information. I feel like I get very mixed messages on things like resume formatting and networking from that site."


People should come before profits. Allowing corporations to run fuck-all operations with profits being their sole concern is why our world is so needlessly horrible. It's possible to care about the planet and people while still making money. The system has just been rigged towards the Corporatocracy.


I want to mention I've found 2 options for more powerful tools that can be used to manage asset allocation: Advantages/Disadvantages: Vanguard Morningstar X-ray I hope this helps others struggling with asset allocation.


I didn't like it very much, because he's confusing money with credit. Money is accumulated work, not debt. Suppose the farmer has apples and wants meat, but the hunter doesn't want apples. The farmer exchanges some apples for the miner's gold and barters that gold for the hunter's meat. All three of them have already worked to produce what they have. There's no debt involved, only the accumulated product of work. An economy cannot function on credit alone. The existence of accumulated work that somebody did before is essential for the existence of credit. Suppose the farmer promises a bushel of apples to the hunter and the hunter promises to get a deer for the farmer. Now the farmer needs a barrel to collect the apples and he promises to give some apples to the cooper. The cooper promises to make the barrel for the farmer. All we have up to this point are promises, but no one has done any work yet. Things won't start happening until the cooper does the work needed to make a barrel. The economy functions on work, not promises. The farmer may promise a million bushels of apples and the hunter may promise a million deer, but that's just fantasy. Now suppose the cooper dies. The farmer will have to get barrels from the neighboring town, so now he must give some apples to the carter who brings the barrel. The hunter will not get his full bushel of apples, he's experiencing inflation, the cost of apples has gone up. No matter what the farmer and the hunter promise to each other, the fact remains that the barrels must be brought from the other town. Economists like Paul Krugman seem to believe that everything can be fixed by increasing demand, but they totally ignore the costs of production. There exists plenty of demand in the US economy right now, but the cooper has died, the barrels must be brought from China.


Is there any instance in which a large company whose corporate bonds are investment grade, find it more attractive to take out a bank loan to raise finance rather than underwrite bonds? To my knowledge (I’m a first year at university so I’m not 100% sure) bonds are comparatively cheaper (lower effective interest rate), does not have the same caveats and regulations involved with usage of the loan (I.e. no need to buy insurance) and allow them to raise far more than most banks would be willing to risk (I know loan syndication exists but it’s still rare to my knowledge). Why would a such a company have ANY bank loan debt whatsoever if issuing bonds are objectively better? The only one I can fathom is if the loan is so incredibly small that It’s more time consuming to underwrite bonds but 1.) I don’t know if that’s the case, 2.) Why would a large company do this if they could simply pay out less dividends and reinvest a slightly larger portion of profits?


Hang on... $963,100,000 revenue in US book sales, divided by 313,000,000 population gives... $3.07 spent per American per year on books, audiobooks and ebooks. Somethings not right, these figures are clearly incorrect - and this IS meant to be entire consumption, not a sample.


"I don't think it really matters, my understanding is that as a sole trader there is no distinction between your personal and business tax affairs. The distinction between your personal and business account is mainly for your own personal benefit to make it easier to differentiate between ""wages"" and retained earnings. If you want to maintain this distinction with regard to tax then you need to somehow differentiate between tax paid on your ""wage"" and tax paid on retained earnings. You could then either make two payments, or pay from either and transfer the difference from the other. Either way, it's just a matter of perspective rather than something with a physical difference."


“First mover Advantage doesn’t go to the company that starts up, it goes to the company that scales up.” - Reid Hoffman It's also important to note that for companies that copy a business that has a strong local component, like SpotHero, AirBnB, Uber, etc it's more of an operations game than winner takes all. I think the general rule of thumb is that it's not always best to be first to market, as new competitors can let you take the majority of the risk, demonstrate that there is a market and strategically enter the market as a new entrant. For example; Friendster > MySpace > Facebook Zimride > Lyft > Uber


Try to use VOIP service provider or web enabled conference calling services in your home phone. Now a days communication technologies have seen a boost as well as integration of different formats and platforms which easily reduces phone bills of a user. Service such as UberConference, Skype, Webinar etc enables audio/video as well as web conferencing feature for their user. Service tiers such as free plans, basic plans and business plans allow user to use these conference calling services per their need. Have a look at any such service and use it as an alternative of your home phone line.


Look for mileage costs, insurance, depreciation, maintenance and other costs make up the total cost of ownership. I used consumer reports for this information. There was a great article about how much it cost to drive different models including all that math. http://www.consumerreports.org/cro/cars/car-prices/what-that-car-really-costs-to-own-4-08/overview/what-that-car-really-costs-to-own-ov.htm


That's just means you don't realize the underlying principles behind the crazy gains. 1000% based mostly on 40% inflation since 2000. Imagine how much more it will go up. I realize you don't have a concept of gold as money but it has really been an experiment since Nixon of dollars not backed by gold. That's 30 someodd years to say something is obsolete that has been used for thousands of years. Gold is not the horse and buggy.


I don't think retail cares so much about being taken for a few bps here and there, but more so about the insane volatility that is the new normal in markets. This vol., which in many cases can be tracked back to HFT, has had a negative feedback loop that resulted in lower volumes across the board. I don't think retail cares about a few bps here and there, but if the entire system is based on trust in market efficiency, and computers make them less efficient by purposefully manipulating the system, retail might just not chose to play any more. Think of it like baseball vs. football. Football has salary caps, and, as such, all teams have a fair shot at winning every year, baseball doesn't, and a few teams with the biggest budgets consistently win year over year. Yeah, it's great if you're a Yankees, Red Sox, Giants or Phillies fan, but many other cities in the country don't care about baseball much anymore and favor football. Look at viewership stats by market over time. HFT is the same way, it's great if you have the money to compete in that system, but by destroying the integrity of the system itself, many participants just stop caring as much and go elsewhere...


i fail to see how it's morally reprehensible at all. LEGOs are *toys* - if they were getting marketed to 40-something Eskimo women, that would be stupid. seems like it's good business sense to market a given product to a group who will be receptive to the marketing. Children, in this case.


In equity research as an associate. I put in (most weeks-not earnings season) around 55-65 hours but during earnings (1/3 of time) its around 80. There are always good and bad days; its actually quite manageable overall. Occasionally, I have stuff I'm told to do on the weekend, but usually I'm *highly suggested* to average 3-5 hrs on the weekend just to get ahead of the upcoming week.


"This is the best tl;dr I could make, [original](http://www.wiltshiretimes.co.uk/news/latestheadlines/15398908.Police_urge_people_to_report_crop_circle_damage/) reduced by 58%. (I'm a bot) ***** > The spokesperson added: &quot;We urge all farmers and landowners if they have has a crop circle on their land to report it to us on 101 so it can be recorded. Often after a crop circle appears, individuals will arrive with a drone to photograph it. Take note of any vehicles, their registration plates, and any individuals and pass this information to the police."" > If a circle is created on your land make sure you tell the Crop Circle Community if you decide to allow/ not allow access to the general public, and if you intend to cut the circle out. > &quot;We also ask the public to help support our rural communities by reporting any suspicious vehicles, behaviour or people in crop fields to police on 101 they may be attempting to create a crop circle and committing criminal damage,&quot; the spokesperson added. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6rblzy/police_urge_people_to_report_crop_circle_damage/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~182131 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*: **circle**^#1 **crop**^#2 **police**^#3 **damage**^#4 **landowner**^#5"


"Here, a sample conversation. ""Wow, these meatballs are fantastic. What's in them?"" ""100% Beef."" ""They're all beef?"" ""No, but the beef I put in is 100% beef."" 'Uhhh, ok. How much of it is beef?"" ""I don't have to tell you."" Is that person being straight with his guest? Or is he being a coy fuckhead?"


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"Some things are nearly universal, and have been mentioned already. My ""favorite"" forseeable expenses in this category are: However, I also advocate saving for expenses that are specific to you. Look back on your expenses for the last 12 months, minimum (18 or 24 may be better). Ask yourself these questions: I ask about large expenditures because you may make enough that you can ""eat"" these lapses in budgeting, as I did for many years. It is not an emergency now, but it turned into an emergency down the road as my spending went out of control. Look at all expenditures over a certain level, say $100 or $200. Some personal examples of expenses that aren't quite so universal, but turned into small emergencies: This last one was rather unexpected. It is the reason why I ask the question ""why didn't I budget for it?"" These fees and dues are for my professional-level certifications. In my industry, they are ""always"" paid for by the company. A year ago, they weren't paid by my former employer because they planned to lay me off. This year, they weren't paid by my present employer because I am technically a temporary worker (4 years is temporary?). So, from now on, I plan to save for this expense. If my employer pays my dues, then I stop saving for the expense, but keep the money I've saved."


"There are a few reasons why an index mutual fund may be preferable to an ETF: I looked at the iShare S&P 500 ETF and it has an expense ratio of 0.07%. The Vanguard Admiral S&P 500 index has an expense ratio of 0.05% and the Investor Shares have an expense ratio of 0.17%, do I don't necessarily agree with your statement ""admiral class Vanguard shares don't beat the iShares ETF""."


For conversions you do not to be 59-1/2 to avoid penalty. The 5-yr rule thus creates an early withdrawal option if planned well in advance. See the flow chart in http://www.irs.gov/publications/p590/ch02.html#en_US_2012_publink1000231030 For where I sourced the answer. Note : I edited to correct my answer. User102008 called me out on my mistake, and rightly so. The dialog is in the comments, where he points out the mistake. Good job, new User.


">But I also believe that if you had a ""full equalizer day"" and redistributed all the wealth in the US so that each of us had the same amount of money (we'd each roughly have $255,000 if my math is correct), then within 1 generation you'd already see a similar wealth distribution to what we have now. Most would consume more- rather than invest- and it would only be a temporary fix. This is what I am saying. >It's a rarity to find people advocating for changing the system that creates inequality (the Fed currently being the biggest perp) instead of simply trying to redistribute the results of that system. What would you change the Fed to? I'm arguing that it's more a fact of an economy than a fact of the current type of economy that economic inequality exists. You can do some things with cryptocurrency, potentially taking some of the middlemen out of the business, but that won't fundamentally change economic inequality. The people currently invested in banks will invest in other things. I think economics will equal out when the machines of production become cheaper. At some point, maybe every community can own their own production machines. Then, communism/anarchism (same thing) will return to the world."


"But sending money overseas doesn't help here, and government programs that feed people (especially children) and keeping people working or in school (medical programs) do have direct economic benefits to this nation, in addition to being ""nice"" or ""moral"". I am not advocating the end of all suffering by giving things away, rather I am advocating the judicious use of government spending to make the world better for everyone."


> No guarantee that the money would go to the right place. https://en.m.wikipedia.org/wiki/Solyndra So to be clear, you think that it went to the wrong place because the company tried to innovate and use new technologies that then didn't work out? And you want to discourage such attempts?


CEOs have multiple fiduciary duties, which fall into three broad categories: care, loyalty, and disclosure. You are probably referring to the duty of loyalty: to act, in good faith, in the best interests of shareholders, putting shareholders' interests above the CEOs' own personal interests.


It seems like you want to compare the company's values not necessarily the stock price. Why not get the total outstanding shares and the stock price, generate the market cap. Then you could compare changes to market cap rather than just share price.


You don't need a visa to invest in US equity. You don't need a visa to profit from US equity. There may be other legal considerations, but they aren't visa related, hope that helps


If I had known about this promotion and were less lazy, I would probably have taken advantage of it myself. Would it be theft? Maybe, maybe not, but I'm kind of antisocial, and doing something illegal/unethical, getting away with it, and making a profit would give me some pleasure.


"Total Return is the percent change in value (including andy dividends) of an instrument. The ""trailing 12-month"" means that your starting point is the value 12 months ago. So the formula is: where V is the value of the instrument on the reference date, V0 is the value of the instrument 12 months prior to the reference date, and D is the amount of dividends paid between the two dates."


"Instead of ""taking the blue pill or the red pill"" we still have to play the game, and the winner of the game as it appears to me, takes neither pill, but is better at guessing who takes which pill and how they will react to it."


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"Nonsense. I am not saying the Elon and Tesla are perfect, but all companies have delays. Especially those inventing things nobody did before them. And some companies have production capacity issues. Especially those experiencing super high demand on their products. Big deal! Tesla got 0.5 million pre-orders. With approx 2-3 years of waiting time, and people had to pay 1000 USD upfront, out of their pockets. And they did. Tesla is seeing an extreme demand for their high-priced product. Every entrepreneur and enterprise would love to be in Musk's shoes. **So, delayed deliveries and shaking liquidity should be considered only ""logistics"" issues, not ""will he fail!"" discussion.**"


You should not trade based on what news is just released, if you try you will be too slow to react most of the time. In many cases the news is already priced into the stock during the anticipation of the news being released. Other times as soon as the news is released the price will gap up or down in response to the news. Some times when you think that the news is good, like new record profits have been achieved, but the share price goes down instead of up. This may be due to the expectation of the record profits by analysts to be 20% more than last year, but the company only achieves 10% more than last year. So the news is actually seen as bad because, even though record profits, it hasn't met expectations. The same can happen in the other direction, a company may make a loss and the share price goes up. This may be because it was expected to make a 50% loss but only made a 20% loss due to cost cutting, so this is seen as a good thing and the price can shoot up, especially if it had been beaten down for months. An other example is when the Federal Reserve in the USA put up interest rates earlier this month. Some may have seen this as bad news and expected share prices to fall, but instead prices rallied. This was actually seen as good news, firstly because it had been expected for a long time, and secondly and more importantly because a small rise in interest rates after many years of near zero rates is a sign of the economy finally starting to improve. If the economy is improving, that means more people will have jobs, more people will be spending more money, companies will start to make higher revenues and start to expand, which means higher profits and higher share prices. A better way to trade is to have a written trading plan and use technical analysis to develop a set of buy and sell criteria that you follow to the tea. Then back test your trading plan through various market conditions to make sure you get a positive expectancy.


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"Except for one thing, right now there is a large amount of speculation, lots of numbers are inflated. And then we have the high frequency traders, this tax would make it harder to make money on nothing, which is what they are doing currently. Personally I would be fine with it if the tax became ""exempt"" after say holding the stock for 3-6-12 months. This tax also isn't about making money, its about making the market more secure. One of the downsides is that if all the major markets don't commit to it, it likely will hurt anyone that does."


"There is not one right way. It depends on the level of detail that you need. One way would be: Create the following accounts: When you pay the phone bill: When you are paid with the reimbursement: That is, when you pay the phone bill, you must debit BOTH phone expense to record the expense, and also reimbursements due to record the fact that someone now owes you money. If it's useful you could add another layer of complexity: When you receive the bill you have a liability, and when you pay it you discharge that liability. Whether that's worth keeping track of depends. I never do for month-to-month bills. Afterthought: I see another poster says that your method is incorrect because a reimbursement is not salary. Technically true, though that problem could be fixed by renaming the account to something like ""income from employer"". The more serious problem I see is that you are reversing the phone expense when you are reimbursed. So at the end of the year you will show total phone expense as $0. This is clearly not correct -- you did have phone expenses, they were just reimbursed. You really are treating the expense account as an asset account -- ""phone expenses due to be reimbursed by employer""."


I was business and then did a 5th year undergrad to be eligible to sit for the CPA exams. There is no way I, or anyone, could start working on an audit on day one. Even if I had done internships, they wouldn't mean anything with a change in career path.


The article predicts problems with the US dollar. If you live in China, or India, the end of the US dollar is not high on your list of problems. The coming shocks in 2012, 2013, and 2014 will wreck a lot of financial sectors. Is there a good way to prepare for financial collapse? That depends on where you live and what your financial situation is.


"If the country went to a sustainable minimum wage like 15 dollars an hour we would benefit more. Anyone who thinks the walmart strikes are stupid and they should be fired clearly doesnt understand how the economy should work. Oh? You do know that all basic goods and services would increase in price, right? Raising the minimum wage will not raise minimum value. ""If you are pro for under 15 dollars an hour, you are pro slavery."" Haha. Slaves are forced. You aren't forced to work for minimum wage. It's a result of many poor life decisions that led you there. The fact that I'm not working a minimum wage job is because I worked my ass off to learn the skills I needed to make a good living. ""The only people making these facts up are the ones who own the businesses because their wealth will go down and be spread among employees more."" Not really. As a business owner, I would just increase the costs of my goods or services. Most retail businesses have slim profit margins (restaurants are even worse). They would not be able to survive long if their workforce cost suddenly doubled and their revenue stayed the same. You don't know much about business. I'm glad people like you aren't making decision in government."


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That's a good point, and one I've recently been realizing too. I've been so focused on the aerospace and defense sector that I wasn't interested in anything else at first. Obviously I know now that's what has been causing my problems and I need to and have been changing my approach but it hasn't been successful yet, hence the post. But thanks for the advice, I had initially written off temp agencies (my temp job was through a friend not an agency) but now it looks like that may be one of my only choices at this point.


"Kinda like this? ""For starters, a group of Perry appointees on the Texas Commission on Environmental Quality gave Simmons a license to build his hazardous nuke dump, even after the TCEQ's own team of scientists agreed that the project was too risky, given how dangerously close it lies to the Ogalalla aquifer, which provides drinking water for seven states."" [From Matt Taibbi's Rick Perry article](http://www.rollingstone.com/politics/news/rick-perry-the-best-little-whore-in-texas-20111026)"


This is what they are causing... https://www.youtube.com/watch?v=S3oZrMGDMMw That little baby is suffering because of one of the diseases that doesn't have to exist. It could have been eradicated from the planet by now if it wasn't for Dr. Wakefield faking a study and then spreading lies to try try to cover his ass before he admitted that he made it all up. But still ignorant people on the internet continue to spread misinformation that causes babies to suffer and die.


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"Many years ago I heard a multi-level marketing pitch that pointed out how many doctors don't get out of debt until they are well into their 50's. The selling point was that you can get rich quick, as rich as a doctor, with nothing more then a bit of elbow grease. Of course the pitch failed to mention that most doctors, buy the things doctors buy, when they get that first big job. The big house, expensive cars nerf the income that they receive and they are probably stuck with years of student loan payments. I assume that you are one of the ""lucky"" ones that have graduated college with a well paying job. By lucky I mean you concentrated on obtaining a skill for which the marketplace has a need. Why not continue to live like a college student for a few more months and pay off all of your student loans ASAP? Get rid of them like you were purging the phone number of that high maintenance girl you dated during a short time of insanity."


It might be a good idea, because later in life if a large expense shows up or an income source disappears, you will only have the mortgage payment, rather than a mortgage AND a student loan payment.


My mistake, a *reformed* audit of the fed. Right now the GAO cannot audit transactions of the Fed with foreign central banks or foreign governments, securities credit and market operations, or communication between the Fed and Board of Governors (which you linked to). The fact that the Fed refuses to tell who receives bailout money and loans at interest rates well below market rates is unacceptable. This is not a crazy right wing issue, either. Plenty on the left feel the same way, including the (arguably) most liberal American Senator Bernie Sanders who introduced the Senate version to audit the Fed bill a few years back. The fact is, the Fed deals with MASSIVE amounts of American taxpayer money (and perhaps more importantly, future American taxpayer money), so we have a right to know exactly what is going on in it. It's not the CIA where knowledge of its inner-workings could be a threat to safety, it's a financial institution that deals with monetary and financial policies.


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You should also know that its FAR cheaper for everybody, including you, (at least $250,000 over each person's lifetime, - each American, compared to a Canadian) to get rid of the whole insurance system and pay for health care with taxes (we wouldn't need any more than today) and simply give people health care, eliminating all of the administrative complexity from the users standpoint. That would allow doctors and hospitals to save a LOT of money on staffing. So, your tiered system that denies health care to those who can't afford to pay actually costs everyone more and they get LESS care and lower quality care. In short, we're cutting off our own nose to spite our face. All this time the rest of the world is growing farther and farther ahead of us.


If you are careful, you don't need to spend much more than the cruise price. The cruises I've been on, they biggest extra was soda and alcohol (mainly wine with dinner). If you are fine drinking water or iced tea, there is no need for that. Food extras, like ice cream at the pool, may be an extra charge as well. The way it works is that your room key acts like a credit card, and gets charged to your room. Its easy to run up a big bill if you aren't paying attention, so you may want to keep track of it as you go along. You can also go to the pursers office at any time and find out your current account. Generally, the cruise automatically charges a certain amount per day for tips for your room steward and dining room attendants. You are expected to tip for spa services (another extra charge) and shore excursion guides. Shore excursions vary greatly depending on what you are doing. Maybe $50-$100 per person for a bus tour to much more than that for things like scuba diving, or fishing. You can also either book tours yourself, or just get off and wander around. It depends where you are going. Many times, the ships dock far away from anything you might want to see. There are generally taxis or shuttles to the tourist places, but that is another charge. Shipboard internet is generally charged by hour, and quite expensive (several dollars per hour). Part of the attraction for me is unplugging completely, so I generally don't bother. On older ships, you probably are limited to the internet lounge. Some of the newer ships have wi-fi in the state rooms as well. The drinks on board aren't cheap, but not outrageous either. Probably similar to an upscale club. They also have a daily drink special, which is cheaper. Technically, you aren't allowed to bring your own alcohol on board. If you buy something in a port, you need to check it with them. This policy may vary by cruise line, but has been true on the Princess and Costa cruises I've been on. That said, as long as you are low-key, they probably won't know or care.


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That's all completely irrelevant to the economic point. What we spent the government money on was a political decision. The economic piece absolutely involved marshalling all of the countries resources, *labor being but one of them*, by using the currency to pull along production. We won the war with our economic engine above all other advantages that we had. Now imagine if we cared as much about people having jobs in the US right now as we did about killing Japanese.


I'm delighted that wired pointed out comments were disabled on their 'doubling down' [repost](http://support.godaddy.com/godaddy/go-daddys-position-on-sopa/). It would have been very inconvenient if someone posted a link to a piratebay torrent in the comments which would have made that post illegal under SOPA. Luckly, there are plenty of blog posts where comments are [enabled](http://support.godaddy.com/godaddy/category/go-daddy-scoop/).


More than just early stages, Swarm City has its MVP out, making transaction & communication possible on the blockchain, as one of the very first in the world. Despite being hacked recently they continue to move forward. And it's way more than just ridesharing, although that will be the first 'storefront' that will be launched soon. Definitely worth looking into. https://youtu.be/t0yKy77wqmM


There's a bit of working backwards that's required. This is a summary of a spreadsheet I wrote which helps to get to the answer. What you see here is that at age 25, one might have saved about a half year's salary, assuming they worked 5 years. The numbers grow exponentially to at 65, about 15 years salary saved. This will allow a withdrawal of about 60% final income each year using the 4% guideline. More will come from Social Security in the States to get closer to 100%. The sheet start with assumptions, a 10% per year rate of saving, and an 8% annual return. Salary is assumed to rise 3% per year. One can choose their age, enter their current numbers and their own assumptions. I had to include some numbers and at the time, 8% seemed reasonable. Not so sure today. What I do like is the concept of viewing savings in terms of 'years salary' as this leads to replacement rate. Will $1M be enough for you? Only you can answer that. But the goal of 80-100% replacement income is reasonable and this sheet can be used to understand the goals along the way. (note, the uploaded sheet had 15% saving rate, not the 10 I thought. I used 15 to show a 10% saving along with a 5% match to one's 401(k). Those interested are welcome to enter their own numbers. The one objection I've seen is the increase to salary. Increases tend to be higher in the first 20 than the second, or so I'm told.)


the best thing to do is file bankrupt. your credit will be shot for 7 to 10 years. however usually 3 years after the bankrupt people will give you small lines of credit. then you rebuild on the small credit lines. and never get into a bad loan again you learn from mistakes. there is no shame in a mistake if you learned from it. I rebuilt my credit by using fingerhut. small credit limit on a cap 1 credit card 300 dollars unsecured card. personal loan of 1500 dollars to buy a old clunk for a car as I did not want to have five years of car payments. you can also get a secured credit card. and build credit with that. the bank will explain how to build credit using your own money. also you should know a lot of banks like your bankrupt stat. because they no you cant file for several more years. meaning if you don't pay your loan they can garnish you and you cant file bankrupt. you can get a new car loan with good interest rate. by taking 5000 dollars of your 15000 dollars savings down on the new loan. making your new car loan have better payments cheaper and better interest. and get a secured credit card of 2000 to build towards a unsecured credit card. keep all your new credit tabs small and pay on time.i would not use all your nest egg savings. that is not smart. get a lawyer and file. stay in school you will have a fresh start and you learned about upside down loans. don't listen to people trying to tell you bankruptsy is bad. it in a lot of ways gives you the upper hand in a no win debt or debts.


"Your total debt is equal to your total non-credit debt (student loans, car loans) + your total available credit. This is the truth of the ""low balance"" fear from lenders that you had heard about. Your credit utilization is across all of your cards. So if you have two cards, both with 15K limits and one is maxed out and one is empty, that is 50% utilization. If you have both cards with 7.5K balances, that is also 50% utilization. For the 8 cards that are paid off and still open, after you buy a house, I'd close any cards you aren't using. Not everyone will agree with this. If possible, I would close the 8 cards now and pay off the 15K balance before buying a house. If it's hard to pay it off now, it will be harder when you have a mortgage and home maintenance costs. If you want to buy the house before you pay off all of your credit card debt, I'd still close the 8 cards that are already paid off and pay down your last card to 4K (or less) to get under 25% utilization. The credit rating bureaus do not publish exactly how a different utilization rate of credit will affect your score, but it is known that lower utilization will improve your score. FICO calls this ""Proportion of credit lines used (proportion of balances to total credit limits on certain types of revolving accounts)"" Also, the longevity of your credit history is based on type of account (credit cards, car loans, etc.) so if you keep one credit card open, you still keep your long ""history"" with credit cards on your credit report. FICO calls this ""Time since accounts opened, by specific type of account"""


Here is what I could find on the net: http://education.wallstreetsurvivor.com/options-symbol-changes-coming-february-12th-2010 So it sounds like it does not affect how you invest in options but only how you look them up. I remember using a Bloomberg terminal and it wasn't clear what the expiry date of the option you were looking at was. It looks like the new quote system addresses this. HTH.


I have a CPA. They said that it isn't possible. However, I've seen on message boards that it indeed IS possible, multiple times. I'll likely reach out to another CPA. However, I am interested to hear from somebody who has done this before, so that I at least have a name or defined process for what I'm attempting to do.