"**[Toronto, 1 August 2014](http://www.rbc.com/newsroom/news/2014/20140801-pmi.html)** - kanadiske produsenter erfarne en ytterligere bedring i hele virksomhetsforhold i juli, ifølge den **[RBC Canadian Manufacturing Purchasing Managers Index (RBC PMI)](https://www.rbcwmfa.com/thewoogroup/)**, drevet av raskere stiger, nye ordrer og sysselsetting i begynnelsen av tredje kvartal. I mellomtiden input kostnadsinflasjon fortsatte til moderat, som i sin tur bidro til laveste veksten i produsentenes produksjon kostnader så langt i år. En månedlig undersøkelse, i samarbeid med Markit og tjenester ledende global finansiell informasjon i Supply Chain Management Association (SCMA), RBCPMI tilbyr en omfattende og tidlig indikator på trender i kanadiske industrien. På 54.3 i juli handelspartnere opp fra 53.5 i juni, overskriften RBC kanadiske Manufacturing PMI postet over nøytral 50.0 verdien for sekstende påfølgende måned. Siste lesing var høyest siden November 2013 og signaliserte en robust generell forbedring i produksjon sektor forretningsforhold. ""Canadas produsenter sparket av andre halvdel av 2014 sterkere fotfeste, tydelig fordel fra bedre global økonomisk aktivitet-det er oppmuntrende å se momentum,"" sa Paul Ferley, assisterende sjef økonom, RBC. ""Med den amerikanske økonomien dytter videre, vi forventer denne trenden vil fortsette."" Overskriften RBC PMI gjenspeiler endringer, nye ordrer, sysselsetting, varelager og leveringstid for leverandør. Viktige funn fra juli undersøkelsen inkluderer: - Skarpeste forbedring i forretningsvilkår siden November 2013 - En pick up i produksjon og nye bestillinger vekst - Bemanningen steg for sjette etterfølgende måned Sterkere priser av produksjon og ny vekst var nøkkelen positiv innflytelse på overskriften indeksen i juli. Siste data signaliserte at produksjonsvekst i industrien akselerert for andre måned kjører og var den raskeste siden November 2013. Ny vekst også gjenvunnet fart så langt i sommer, med den siste økningen i innkommende nytt arbeid de bratteste på åtte måneder. Rapporter fra spørreundersøkelsen sitert underliggende etterspørselen og større tillit blant klienter. Videre ble nye business inntak også støttet av sterkere eksport salg i juli, med nye eksport ordre vekstraten den mest merkede siden mars. Økt etterspørsel mønstre bidro til en økning i ordrereserven arbeid over industrien sjette påfølgende måned i juli. Gjeldende periode av økende mengder uferdig arbeid er den lengste opptak av undersøkelsen for tre år, som i sin tur støttes videre produksjon jobb etableringen. Nyeste dataene viser til en solid økning i lønn tall med hastighet på vekst i sysselsettingen nådde sin sterkeste siden September 2013. Juli data indikerte at produsentene fortsatte å øke volumene inngang kjøpe i juli, og den siste utvidelsen av kjøper aktiviteten var de bratteste i 2014 hittil. Til tross for en solid økning i input kjøpe, pre-produksjon lager volumer dyppet for tredje måned kjører. I mellomtiden bestander av ferdigvarer også redusert i juli. Siste reduksjon i post-produksjon varelager var den skarpeste for 12 måneder, med noen firmaer Siterer sterkere enn forventet salg på sine fabrikker. I mellomtiden input kostnadsinflasjon lettet videre fra nær-tre år høy sett i løpet av mars. Selv om fortsatt skarp, var den siste økningen i gjennomsnittlig kostnad byrder den minste merkede siden januar. En mykere økning i input prisene i juli bidratt til svakeste økningen i produsentenes produksjon kostnader siden desember 2013. Regionale høydepunkter inkluderer: - Quebec fortsatte å registrere sterkeste oppgangen i generelle forretningsvilkår - Alle fire regioner signaliserte en økning i produksjon sysselsetting nivåer... - .. .led av Quebec og Ontario - Nye eksportere ordrer steg i alle fire regioner overvåket av undersøkelsen ""Canadian produsenter har laget en lyse start til tredje kvartal 2014, som fremhevet av sterkere vekst og en annen bedring salgsvolum i juli, sier Cheryl Paradowski, president og administrerende direktør, SCMA. ""Derfor den siste undersøkelsen tyder en avgjørende dreining mot raskere vekst over industrien i sommer, med produksjon, ny virksomhet og sysselsetting alle stiger på raskeste priser sett så langt i år. Videre er forretningsforhold bedre mot en bakgrunn av mykgjørende kostnadspress, som i sin tur bidro til laveste økningen i produsentenes produksjon kostnader siden slutten av 2013."""


Aujourd'hui, il est difficile pour les gens d'imaginer une journée sans accès à Internet. Les gens veulent avoir accès au réseau à tout moment et le lieu, peu importe où ils viennent ou aller. On sait que le développement technique jouent un rôle important dans les personnes -. l'accès Internet mobile à l'Internet est possible avec des technologies telles que la 3G et LTE et HSPA + afin de profiter des avantages de ces applications à des personnes, il vous faut choisir le bon équipement, il peut aussi être pour votre smartphone ou ordinateur portable -. modem ou le routeur n'est pas un routeur de la célèbre LTE en 2012 est la MF28D ZTE, vous pouvez trouver ce débloqué ZTE MF28D aide les gens à beaucoup de la description suivante.


"This is the best tl;dr I could make, [original](https://www.nytimes.com/2017/08/30/opinion/corporate-tax-cuts-jobs.html?smid=re-share) reduced by 87%. (I'm a bot) ***** > Their huge tax savings have enriched executives but not created significant numbers of new jobs. > We chose this particular tax threshold because, as Mr. Stephenson mentioned, House Republicans are proposing to reduce the federal statutory corporate tax rate to 20 percent, down from the current 35 percent. > At a town hall this month at AT&T headquarters in Dallas, Mr. Stephenson urged his employees to call Congress and demand a corporate tax cut. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6x0akf/its_a_myth_that_corporate_tax_cuts_mean_more_jobs/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~201273 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*: **tax**^#1 **company**^#2 **percent**^#3 **job**^#4 **stock**^#5"


All this talk about the post office is pissing me off. What killed the post office? Just look in your box this week. Right there is the answer. JUNK MAIL! Everyone gets pounded with the stuff every day. Why? Because it is too cheap to send all the CRAP! How many Victoria's Secret Catalogs did you get this week? Me? 4. That is the clearest signal that the postage for junk mail is too cheap. Another example is S&S Worldwide. They will send me three identical catalogs at the exact same time that all arrive on the exact same day. In other words, junk mail prices are so cheap it is more cost effective to just send more than to check their database. And I could go on. The key to fixing the post office is simple. Increase the cost of all the junk crap we get! This will either increase the revenue to pay for it being delivered or make businesses reduce the amount they send and reduce the need for as much sorting, etc.


"This was a ""bought deal"" by the 2 investment banks running the book. They had a legal obligation to fund the IPO, they reneged. They will get sued and probably settle out of court. Either way, a black mark on their reputation."


One implication is the added fees if you are investing in something with a trading cost or commission, such as your stock purchase. If you pay low costs to trade (e.g. with a discount broker) and don't switch your investments often, then costs overall should remain reasonable .. but always be aware of your costs and seek to minimize them.


Most businesses want to grow, and there are a variety of ways to raise the money needed to hire new employees and otherwise invest in the business to increase the rate of that growth. You as a stock holder should hope that management is choosing the least expensive option for growth. Some of the options are debt, selling equity to venture capitalists, or selling equity on the open market (going public). If they choose debt, they pay interest on that debt. If they choose to sell equity to venture capitalists, then your shares get diluted, but hopefully the growth makes up for some of that dilution. If they choose to go public, dilution is still a concern, but the terms are usually a little more favorable for the company selling because the market is so liquid. In the US, current regulations for publicly traded companies cost somewhere in the neighborhood of $1M/year, so that's the rule of thumb for considering whether going public makes sense when calculating the cost of fundraising, but as mentioned, regulations make it less advantageous for executives who choose to sell their shares after the company goes public. (They can't sell when good spot prices appear.) Going public is often considered the next step for a company that has grown past the initial venture funding phase, but if cash-flow is good, plenty of companies decide to just reinvest profits and skip the equity markets altogether.


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I mean, that self made stat has been disproven enough times to count it as laughable when people like you still tout it all about. That self made aspect doesn't mean what youd like to imply it means when you dive into the data. Bill Gates is a perfect example of this. So is Bezos


Yes. Stick to the deal you made. Help the girl pass the exams. Consider it a life lesson, don't worry about the money now because it's only payment if she passes. It's more about helping the girl pass the exams than it is about what you knew at the time was going to be short money. You have to prove yourself before you even think about an increase in payment and payment here is only due with a passing grade. You put yourself in a situation that you will not do in the future. You made the offer so honor it like a champ and be grateful you are able to help someone else.


The conclusions of this report seem to conflict with some of the long-term trends in asset management. The gradual decline of defined-benefit plans (e.g. pensions) and the growth of defined-contribution (401k) have altered the asset mix. The biggest investors in hedge funds have traditionally been pension management funds; given the long-standing decline in private sector pensions and the (seemingly) near-future decline in public-employee pensions, the funds that can only be accessed by institutional investors or accredited investors (eg all hedge funds) stand to lose. Explained another way: right now, only rich people and institutional investors get access to hedge funds. Your 401K money can't go into them, and neither can your IRA. If you're not an accredited investor (income of >$250K, net worth of $1MM+ excl. primary residence) you can't subscribe. You can only get into hedge funds through buying into a 'fund of funds' type of investment, where you buy a fund (and pay that fund) so that they can pay a hedge manager to manage the money. Think of a pass-through entity that skims some off the top and manages portfolio risk. So, as fewer people get pensions (and the pensions that they do get are smaller), these pension funds have fewer assets left to invest in hedge funds. Most hedge funds return zero alpha after fees and arguably have lower risk-adjusted returns than simpler investments. But 15-20% of all hedge funds do pretty well. Picking which 15-20%....that's difficult. Bottom line: what is Citi pushing with this report?


Unlimited everything. I'm on my parents line so that's kinda a bummer but I'm never giving this up. I just got my girlfriend on it because it's so cheap. Also I never do the monthly payment plan. I always pay for for my phone's outright because it just makes more sense to me.


Your first question:Does the successor have to pay taxes for the full amount of the inherited TFSA? No, there is no taxes to pay, in most TFSA situations, there is no tax payable. If it was a beneficiary instead of a successor, there would be taxes on revenues generated only, but this is not your case. Your second question: The TFSA of the deceased holder will still increase the contribution room over the years? No, the contribution applies only to the one person alive. Whether he, or she, has one or two TFSA is irrelevant to the contribution limit. Successor holder, Contribution limit.


By not timing the market and being a passive investor, the best time to invest is the moment you have extra money (usually when wages are received). The market trends up. $10 fee on $2000 represents 0.5% transaction cost, which is borderline prohibitive. I would suggest running simulations, but I suspect that 1 month is the best because average historical monthly total return is more than 0.5%.


"And you have hit the nail on the head of holding gold as an alternative to liquid currency. There is simply no way to reliably buy and sell physical gold at the spot price unless you have millions of dollars. Exhibit A) The stock symbol GLD is an ETF backed by gold. Its shares are redeemable for gold if you have more than 100,000 shares then you can be assisted by an ""Authorized Participant"". Read the fund's details. Less than 100,000 shares? no physical gold for you. With GLD's share price being $155.55 this would mean you need to have over 15 million dollars, and be financially solvent enough to be willing to exchange the liquidity of shares and dollars for illiquid gold, that you wouldn't be able to sell at a fair price in smaller denominations. The ETF trades at a different price than the gold spot market, so you technically are dealing with a spread here too. Exhibit B) The futures market. Accepting delivery of a gold futures contract also requires that you get 1000 units of the underlying asset. This means 1000 gold bars which are currently $1,610.70 each. This means you would need $1,610,700 that you would be comfortable with exchanging for gold bars, which: In contrast, securitized gold (gold in an ETF, for instance) can be hedged very easily, and one can sell covered calls to negate transaction fees, hedge, and collect dividends from the fund. quickly recuperating any ""spread tax"" that you encounter from opening the position. Also, leverage: no bank would grant you a loan to buy 4 to 20 times more gold than you can actually afford, but in the stock market 4 - 20 times your account value on margin is possible and in the futures market 20 times is pretty normal (""initial margin and maintenance margin""), effectively bringing your access to the spot market for physical gold more so within reach. caveat emptor."


"You can hold a wide variety of investments in your TFSA account, including stocks such as SLF. But if the stocks are being purchased via a company stock purchase plan, they are typically deposited in a regular margin account with a brokerage firm (a few companies may issue physical stock certificates but that is very rare these days). That account would not be a TFSA but you can perform what's called an ""in-kind"" transfer to move them into a TFSA that you open with either the same brokerage firm, or a different one. There will be a fee for the transfer - check with the brokerage that currently holds the stock to find out how costly that will be. Assuming the stock gained in value while you held it outside the TFSA, this transfer will result in capital gains tax that you'll have to pay when you file your taxes for the year in which the transfer occurs. The tax would be calculated by taking the value at time of transfer, minus the purchase price (or the market value at time of purchase, if your plan allowed you to buy it at a discounted price; the discounted amount will be automatically taxed by your employer). 50% of the capital gain is added to your annual income when calculating taxes owed. Normally when you sell a stock that has lost value, you can actually get a ""capital loss"" deduction that is used to offset gains that you made in other stocks, or redeemed against capital gains tax paid in previous years, or carried forward to apply against gains in future years. However, if the stock decreased in value and you transfer it, you are not eligible to claim a capital loss. I'm not sure why you said ""TFSA for a family member"", as you cannot directly contribute to someone else's TFSA account. You can give them a gift of money or stocks, which they can deposit in their TFSA account, but that involves that extra step of gifting, and the money/stocks become their property to do with as they please. Now that I've (hopefully) answered all your questions, let me offer you some advice, as someone who also participates in an employee stock purchase plan. Holding stock in the company that you work for is a bad idea. The reason is simple: if something terrible happens to the company, their stock will plummet and at the same time they may be forced to lay off many employees. So just at the time when you lose your job and might want to sell your stock, suddenly the value of your stocks has gone way down! So you really should sell your company shares at least once a year, and then use that money to invest in your TFSA account. You also don't want to put all your eggs in one basket - you should be spreading your investment among many companies, or better yet, buy index mutual funds or ETFs which hold all the companies in a certain index. There's lots of good info about index investing available at Canadian Couch Potato. The types of investments recommended there are all possible to purchase inside a TFSA account, to shelter the growth from being taxed. EDIT: Here is an article from MoneySense that talks about transferring stocks into a TFSA. It also mentions the importance of having a diversified portfolio!"


No state taxes, but Italy also has a favorable treaty with the US Federal Government. Look into to lowering your federal taxes to 5% ;) its a thick read, http://www.irs.gov/businesses/international/article/0,,id=169601,00.html and also try to determine if the Foreign Earned Income Exclusion applies to you, reducing your Federal tax to ZERO on the first $95,100 earned abroad. http://www.irs.gov/businesses/small/international/article/0,,id=97130,00.html but then you may be subject to a 20%+ italy tax. so maybe you should just try for the tax treaty


So the MS analyst wasn't acting independently of MS's role as underwriter when he revised his earnings estimates? MS is a big place. I guess I just assumed that someone could be on one end saying something, with other parts of the company blissfully unaware. All without a conspiracy to commit fraud. Good to know. Perhaps you can point - for those of us ignorant in finance - to the rules or laws that were broken here.


Thanks to the lack of the KeystoneXL pipeline, the WTI price has been artificially depressed. However world prices of refined product haven't - they are set relative to the global price of oil. Thus someone can make a tidy profit by refining, then shipping product. It's no surprise that there have been shortages of distillate in places like North Dakota - the product goes where the money is. BTW, in essence it means if US customers won't pay world prices, they won't get the product - putting a floor under the prices you'll pay.


"If there is a very sudden and large collapse in the exchange rate then because algorithmic trades will operate very fast it is possible to determine “x” immediately after the change in exchange rate. All you need to know is the order book. You also need to assume that the algorithmic bot operates faster than all other market participants so that the order book doesn’t change except for those trades executed by the bot. The temporarily cheaper price in the weakened currency market will rise and the temporarily dearer price in the strengthened currency market will fall until the prices are related by the new exchange rate. This price is determined by the condition that the total volume of buys in the cheaper market is equal to the total volume of sells in the dearer market. Suppose initially gold is worth $1200 on NYSE or £720 on LSE. Then suppose the exchange rate falls from r=0.6 £/$ to s=0.4 £/$. To illustrate the answer lets assume that before the currency collapse the order book for gold on the LSE and NYSE looks like: GOLD-NYSE Sell (100 @ $1310) Sell (100 @ $1300) <——— Sell (100 @ $1280) Sell (200 @ $1260) Sell (300 @ $1220) Sell (100 @ $1200) ————————— buy (100 @ $1190) buy (100 @ $1180) GOLD-LSE Sell (100 @ £750) Sell (100 @ £740) ————————— buy (200 @ £720) buy (200 @ £700) buy (100 @ £600) buy (100 @ £550) buy (100 @ £530) buy (100 @ £520) <——— buy (100 @ £500) From this hypothetical example, the automatic traders will buy up the NYSE gold and sell the LSE gold in equal volume until the price ratio ""s"" is attained. By summing up the sell volumes on the NYSE and the buy volumes on the LSE, we see that the conditions are met when the price is $1300 and £520. Note 800 units were bought and sold. So “x” depends on the available orders in the order book. Immediately after this, however, the price of the asset will be subject to the new changes of preference by the market participants. However, the price calculated above must be the initial price, since otherwise an arbitrage opportunity would exist."


The main difference is that VOO trades on US stock exchanges while VUSA/VUSD trade on the London Stock Exchange. (VUSA is listed in British pounds while VUSD is listed in US dollars.) They are essentially the same product, but the fees and legal hurdles for a European citizen to trade on the LSE may be quite different from those on US stock exchanges.


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Well they did not seem to be able to shoot down the two that flew over Japan and those were definitely a threat, so it seems to me the only non-threatening missiles they seem to be able to shoot down are the ones they fire them selves I am starting to wonder and its starting to seem the missile shields might just be another big military boondoggle.


You don't have much choice other than to open an account in your business name, then do a money transfer, as @DJClayworth says. You will not without providing your name and street address and possibly other information that you may consider to be of a private nature. This is due to laws about fraud, money laundering and consumer protection. I'm not saying that's what you have in mind! But without accountability of the sort provided by names and street addresses, banks would be facilitating crimes of many sorts, which is why regulatory agencies enforce disclosure requirements.


A rift between Siemens AG (NYSE; SI; XETRA: SIE) and Siemens Israel Ltd. is widening over suspected bribes paid to former Judge Dan Cohen in order to promote the sale of turbines to Israel Electric Corporation (IEC). Siemens Israel managing director Oren Ahronson has been suspended from his duties, under an agreement between the company and its parent. Siemens AG demanded Ahronson's removal.


I have been using Bill Pay from BoA, Chase, and a local Credit Union, all for at least five years (maybe even 10), and never had any issues with lost checks. Sometimes, an address given to me was incorrect, and what happens is either nothing (meaning, after 90 days, the check is considered outdated and the money gets reimbursed in the account) the bank notifies me after about two weeks that the check was returned as 'recipient not found at that address' or 'invalid address', and the money gets restored right then. That is no guarantee, of course, that nothing will ever happen. But banks are not supposed to accept checks where the recipient name does not match. Also, you should consider using 'Quick Pay' or 'Pay an individual' instead, whatever your bank calls it. That will transfer the money same or next day to your other account, without ever mailing a check. You do not need to enter account information across banks, it works by both banks contacting you through your logins/emails.


This whole conversation is absolutely stupid. Presidents have next to nothing to do with random swings in the stock market. The idiot in chief wants to take credit where no credit is due. His minion idiots want to bolster the nonsense, and otherwise clear thinking idiots, myself included, want to somehow set the record straight. But, in the end we are just pissing in the wind too. God I wish the idiots would shut up. So, that's exactly what I'll do.


In the United States, the stock certificate is updated to include beneficiary information. I expect it to be similar with other markets. TOD (Transfer on Death) From: http://www.nolo.com/legal-encyclopedia/free-books/avoid-probate-book/chapter3-2.html (emphasis added) If you have a brokerage account, contact the broker for instructions. Most likely, the broker will send you a form on which you’ll name beneficiaries to inherit your account. From then on, the account will be listed in your name, with the beneficiary’s name after it, like this: “Evelyn M. Meyers, TOD Jason Meyers.” If you have the actual stock certificates or bonds in your possession (most people don’t), you must get new certificates issued, showing that you now own the stock in beneficiary form. Ask your broker for help; if that doesn’t work, contact the transfer agent for the stock. You can get the address from your broker or the investor relations office of the corporation. The transfer agent will probably have you send in the certificates, a form called a stock or bond power (some stock certificates have the power printed on the back), and a letter explaining what you want to do.


"This is the best tl;dr I could make, [original](https://www.nytimes.com/2017/07/25/upshot/maybe-weve-been-thinking-about-the-productivity-slump-all-wrong.html?smid=re-share) reduced by 82%. (I'm a bot) ***** > Just maybe, if the labor market tightens and good workers are harder to find - and wages rise - that will be the impetus to get companies to consider more of those big-ticket innovations that generate productivity growth. > You could imagine the same thing happening if wages rose because of market forces; that same fast food restaurant might invest in kiosks and robots if the labor market were so tight that no workers were willing to take the job for $10. If you look at long-term patterns of productivity growth, they roughly fit this idea, that a booming job market tends to be followed by a productivity boom, and that deep recessions are followed by productivity slumps. > In this way of thinking about productivity, inventors and business innovators are always cooking up better ways to do things, but it takes a labor shortage and high wages to coax firms to deploy the investment it takes to actually put those innovations into widespread use. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6s3yzv/maybe_we\u00e2ve_been_thinking_about_the_productivity/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~185009 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*: **productivity**^#1 **wage**^#2 **worker**^#3 **growth**^#4 **market**^#5"


News are the only thing keeping it together. We can all read entire newspapers on the Web, but the percentage of people that still enjoys reading the morning paper is huge. TV and radio have the advantage of being live (and a live broadcast from a website is still radio/television) - if something huge happens worldwide, you'll always turn your TV on, it's still more connectable than websites. A part from that, I don't see any other advantages comparing to the internet.


I’ve stopped using uber after hearing the podcasts of lyft. They may be farther behind but it’s because they want to take care of their employees. They’re growing at the rate is required to maintain the company where Uber is trying to grow Tesla style.


That is definitely where my intuition went as well. I know we wouldn't meet certain requirements. I expect to have to jump through hoops to make it happen. I was mostly asking what hoops I will jump through, and if we will have to jump through fewer if we are not planning on handling other people's cash.


"Yes. S&P/ Case-Shiller real-estate indices are available, as a single national index as well as multiple regional geographic indices. These indices are updated on the last Tuesday of every month. According to the Case-Shiller Index Methodology documentation: Their purpose is to measure the average change in home prices in 20 major metropolitan areas... and three price tiers– low, middle and high. The regional indices use 3-month moving averages, published with a two-month lag. This helps offset delays due to ""clumping"" in the flow of sales price data from county deed recorders. It also assures sufficient sample sizes. Regional Case-Shiller real-estate indices * Source: Case-Shiller Real-estate Index FAQ. The S&P Case-Shiller webpage has links to historical studies and commentary by Yale University Professor Shiller. Housing Views posts news and analysis for the regional indices. Yes. The CME Group in Chicago runs a real-estate futures market. Regional S&P/ Case-Schiller index futures and options are the first [security type] for managing U.S. housing risk. They provide protection, or profit, in up or down markets. They extend to the housing industry the same tools, for risk management and investment, available for agriculture and finance. But would you want to invest? Probably not. This market has minimal activity. For the three markets, San Diego, Boston and Los Angeles on 28 November 2011, there was zero trading volume (prices unchanged), no trades settled, no open interest, see far right, partially cut off in image below. * Source: Futures and options activity[PDF] for all 20 regional indices. I don't know the reason for this situation. A few guesses: Additional reference: CME spec's for index futures and options contracts."


You'd likely be most familiar with them with respect to options and futures on commodities but they're used for credit/interest as well. The intrinsic value of an option is *derived* from the spread between call/put price and strike price; the value of the contract I've paid for or sold is derived from the current market value of the underlying asset, be it rice, platinum, or the Swedish kroner


"Not sure about that one. Stark Laws (there is also an earlier, aptly named ""anti kickback statute"") are the ones to prevent ""kickbacks"", as well as to prevent self referral in cases where there would be financially beneficial to do so (to prevent fraud)."


Yes an index is by definition any arbitrary selection. In general, to measure performance there are 2 ways: By absolute return - meaning you want a positive return at all times ie. 10% is good. -1% is bad. By relative return - this means beating the benchmark. For example, if the benchmark returns -20% and your portfolio returns -10%, then it has delivered +10% relative returns as compared to the benchmark.


I've never heard of such a thing, but seems like if such a product existed it would be easily manipulated by the big trading firms - simply bet that trading volume will go up, then furiously buy and sell shares yourself to artificially drive up the volume. The fact that it would be so easily manipulated makes me think that no such product exists, but I could be wrong.


Central Banks always controlled by politics. Bush Jr. told Greenspan that he needed to be reelected, and all Greenspan could do was lower interest rates to help, and that fueled more speculation by the commercial bankers. The president appoints the fed chairman, so dont tell me that they are independent of politicians. the whole notion that a central banker must be independent of the government force is fuking insane. You let private bankers control your monetary policy and you lose your nation's sovereignty. I'd rather put my trust to elected officials than unelected private financial mercenaries. Nationalize the FED.


Checking accounts can't pay interest, according to the bizarre and outdated Regulation Q. Under the even more bizarre and outdated Regulation D, you can only transfer money out of savings accounts six times per 4 weeks. Your HSA account is probably set up the way it is because the bank wants to be able to tell people they'll earn interest on their savings (although I'll betcha the current rate is something like 0.000000000001%). As far as I know, there's no reason an HSA couldn't be a straight checking account. You wouldn't get interest but you would get more than 6 withdrawals per month. Or, you could do the transfers yourself from savings to checking just keep enough money in the checking part of the account so that the automatic transfer doesn't kick in.


"Most practices I've gone to use a triplicate paper form called a ""medical encounter form""with the specialty's most common procedure codes and laboratory codes preprinted. (And rarer ones hand added). The doctor fills this out and the office manager transcribes it. This also has a billing section where in my case the office manager initials ""cc"" for credit card. You probably refused or threw away your copy, but can ask to review their copy. Maybe there is a mis transcribed entry indicating payment at time of service."


"Doesn't California list literally anything that has the potential to cause cancer cancerous? And don't most of those things have to be ingested to pose any risk? I remember ordering a backpack that ""contained cancer causing materials"". Well, the chemical in particular was harmless unless you ate it. Are people eating backpacks now? I can understand Monsanto not wanting to give the organic, vegan, hippy, people more affirmation of why they hate Monsanto, but honestly Monsanto sucks for a plethora of reasons. Cancer would just be another drop in the bucket of shit they impose on the world."


"This is a very uninformed statement. Becoming an executive of a large corporation under the age of 30 (or even 35) is extremely unheard of. It's an unbelievable accomplishment. It's very likely that having an affluent family (is this even confirmed?) helped this guy a TON when he was a kid: he got a good education and was able to get into Princeton. After that, though, this guy was on his own. Getting a job at Goldman, doing well enough in it to get a PE job, doing well enough at that to get additional PE jobs and eventually becoming a partner, and doing well enough at that to becoming a fucking CFO at 29... you don't do that because of ""connections"". You do that because you balled out at your job, you worked ridiculous hours, you outperformed your coworkers for promotions, etc; which this guy certainly did. There are a lot of affluent people that get into great colleges like Princeton, disproportionately so. But there are lots of ""regular folks"" that get into those schools too, and once they get there they have the same opportunity to excel in their careers. Comments to the contrary are woefully uninformed."


A completely stocked medical bag is a bunch of medically proven and tested products that can be easily used during any sort of practise of sports or while exercise as well. These are for supporting any body part while their excessive exercise.


> Europe I think you mean 'Scandinavia'. It certainly isn't anything close to that in the UK. Setting dates before they leave is certainly an improvement on the system as it stands but I feel suspicious about the ability of first time parents, facing such a radical change in their lifestyle, to stick to it.


Great question. Surprisingly, stock returns and GDP growth are mostly unrelated. In fact, they are slightly inversely correlated when you look across countries. Consider a firm that earns $100 on average per year with zero growth. If investors apply a 10% discount rate to this firm, the company will have a market value of $100/10% = $1,000. If it continues to earn $100 per year, it will produce 10% returns despite zero growth in earnings. You can see that realized returns are largely a function of the return investors demand for putting their money in risky assets. I say mostly unrelated because an increase in GDP growth may increase our firms earnings (though the relationship to earnings per share is muddied by new share issuances, buybacks, M&A, etc.). But you can see from the above example that returns can vastly exceed growth in perpetuity.


"Diversity is not an issue - since the 60s, you can't discriminate based on race, religion and even sexual orientation. It's how diversity and other junk being taught in colleges and university. I don't need my son to hear crap such as ""white privileges"", ""micro-aggression"", ""no whites are allowed"", ""57 genders"", etc. So you can see the result of this with how ""diversity"" is implemented today in the work place. Did you hear what happened in Google? Anyway, can my son be Trump supporter in certain colleges and universities? Yes or no?"


"I believe transparency when it comes to our food is important. So far the laws have always favored the industry, going so far as to suspend first amendment rights when it comes to ""Disparaging food products."" The profits of large agricultural companies shouldn't silence all dissent, reporting and discussion. They should absolutely have the right to use and sell pink slime, and we deserve the right to know that the're hiding it in our food."


I said it in the comments, but I think it stands as a possible answer; if the bank's the only one telling you you are ineligible for HARP, get a second opinion. The bank is making lots of money off of you, at a time when the pickings are otherwise slim. The bank doesn't want you to refinance, and will do anything it can to convince you that you can't. Many of the big lenders have been taken to task (and to court) by the government for actively hindering these loan modification programs. So, don't trust the bank's word alone. Go to http://www.harpprogram.org and check the eligibility criteria, and if you think you meet them, fill out an application. The basic criteria are: Some caveats:


I mean some VCs focus on technology companies, that's a sector focus, but a very broad one. Are you saying you don't want to be limited to one sector? Also keep in mind that series B investments are much more expensive then A rounds, just because there is more proof and less risk. I know of some angel investors that invest by size rather than industry, maybe you could partner up with them. All depends on how much capital you have/ how much involvement you want to have with the company.


A loan with modest interest is better than paying by cash if there are better alternatives for investment. For example, suppose you are buying a house. Consider two extremes: a) you pay the house entirely by cash, b) the entire buy is financed by the bank. Historically, real (subtracting inflation) house prices (at least in the U.S.) have not risen at all in the long run, and investing all of your own capital in this way may not be optimal. Notice that we are looking at a situation where one is buying a house and living in it in any case. Rent savings are equal in cases a) and b). If instead you were buying a house not for yourself, but as a separate investment for renting out, then you would receive rent. In the case a), the real return on your capital will be zero, whereas in case b), you can invest the cash in e.g. the stock market and get, on average, 7% (the stock market has yielded a 7% real return annually including dividends) annually minus the bank's interest rate. If the interest is lower than 7%, it may be profitable to take the loan. Of course, the final decision depends on your risk preferences.


I have prepared a report on scam's like this. I'd be happy to deliver a copy of the report to your home. Just give me your address and mail me the keys to your house and I'll drop by and leave it in your home. Oh, and tell me a time when you won't be home, so I won't bother you when I come by. It might also be helpful if you tell me if you have any cash, jewelry, or other valuables in the house and where you keep them, so I can give you advice on security measures. :-)


A tip I tend to put in here that doesn't directly relate to student loan payments, but does matter: Don't focus so much on student loan payments that you find yourself needing to tap short-term credit sources to make ends meet. Making a $100 payment on a 6% interest student loan and then needing to charge a $100 car repair on your 19% interest credit card is not a sound financial move.


Vice: One of the few legitimate journalism sources left out their (Just my opinion, dont down vote me into oblivion for having an opinion pls- thanks) . I still remember when the founder (i think it was the founder) got into north korea - that shit was great.


"http://www.interactivedata.com -> reference data No, it's not free. Nor would I consider it ""high quality"". For free data, try the Yahoo Finance API. The data you want is there, though you may need to calculate some of the fields yourself. Once you have your application working with free data you will be in a good position to evaluate whether it's worth it to shift to more detailed non-free data."


The majority of honest sellers who are serious about their business and committed to the Amazon platform just authorize all returns/refunds as quick as they can because they don't want to risk having a bad rating/review punctuate their profile. This policy does not change much for any of those sellers, just a few less clicks they need to make every day. Agreed that many smaller shops or those who are just in it for the short term don't have the room to absorb the costs of meeting the same level of service Amazon provides directly -- but shouldn't we all aspire to it anyway?


"Trading on specific ECNs is the easy part - you simply specify the order routing in advance. You are not buying or selling the *exact* same shares. Shares are fungible - so if I simultaneously buy one share and sell another share, my net share position is zero - even if those trades don't settle until T+3. PS ""The Nasdaq"" isn't really an exchange in the way that the CME, or other order-driven markets are. It's really just a venue to bring market makers together. It's almost like ""the internet,"" as in, when you buy something from Amazon, you're not buying it from ""the internet,"" but it was the internet that made your transaction with Amazon possible."


No shit, Sherlock. Let's see: - Valuation down like 80% since last year... - Massive competition from categorically better products with infinitely deep pockets (Android, iPhone)... - Only customers are a rapidly-eroding base of legacy enterprise customers with aggressive cost/feature requirements and bulk-purchase negotiating power. Sounds like a winner!


I'm a college student and recently got an interview at an energy investing firm for a job upon graduation. I have academic and extracurricular experience in finance, but I'm not too knowledgeable on the energy sector. What are some good resources (websites, newsletters, etc.) on learning more about the energy industry? Are there any industry specific questions that are likely to come up during the interview?


The creation mechanism for ETF's ensures that the value of the underlying stocks do not diverge significantly from the Fund's value. Authorized participants have a strong incentive to arbitrage any pricing differences and create/redeem blocks of stock/etf until the prices are back inline. Contrary to what was stated in a previous answer, this mechanism lowers the cost of management of ETF's when compared to mutual funds that must access the market on a regular basis when any investors enter/exit the fund. The ETF only needs to create/redeem in a wholesale basis, this allows them to operate with management fees that are much lower than those of a mutual fund. Expenses Due to the passive nature of indexed strategies, the internal expenses of most ETFs are considerably lower than those of many mutual funds. Of the more than 900 available ETFs listed on Morningstar in 2010, those with the lowest expense ratios charged about .10%, while those with the highest expenses ran about 1.25%. By comparison, the lowest fund fees range from .01% to more than 10% per year for other funds. (For more on mutual fund feeds, read Stop Paying High Fees.)


"In the Netherlands its cheaper in some cases to have a mortgage then to own a house. Example: If you own a house you pay more taxes (because you own something expensive you have to pay ""eigendoms belasting"" < owners tax). So if you instead of owning the house, keep the mortgage low and only pay the mortgage interest, the interest will be much lower then the tax you would have to pay. The sweet spot (for lowest interest and not having to pay the owners tax) is different for any mortgage but by grandparents use this method and they pay a really small amount for a rather large house."


I'm gonna drop some knowledge for you. If you buy 3 items for $9.96, the cost of each individual item is: $9.96 / 3 = $3.32 This logic carries through in any situation where you pay an amount for more than one of something. I'm confident you can extrapolate for the 2nd link. On that note, I don't understand how you clicked the links, saw *literally* only the price, and then closed them. You sure are zealous in your battle to defend Best Buy.


I don't know, relative worth might be hard to judge, but I'm pretty sure if you could satisfy all needs and most wants you wouldn't have much trouble with disagreements between people's work value. Also, get rid of money and trade.


"As others have alluded to but haven't said due to the lack of reputation points to spare, you can take advantage of oil prices by leveraging up and using as much credit and margin as the banks and brokerages (respectively) will lend you. People assume that the correct answer on this forum has to masquerade as conservative financial advice, and this is not advice nor conservative. Futures contracts are readily available, but they are expensive to obtain (like a minimum entry of $4,450). But if this expense is no such object to you then you can then obtain this contract which is actually worth 20x that and experience the price appreciation and depreciation of the whole contract. The concept is similar to a downpayment on a mortgage. You assume ""rock bottom"" oil prices, but fortunately for you, futures contracts will allow you to quickly change your bets from future price appreciation and allow you to speculate on future price depreciation. So although the union workers will be protesting full time after the drilling company lays them off, you will still be getting wealthier. Long Options. These are the best. The difference with options, amongst other speculation products, is that options require the least amount of capital risk for the greatest reward. With futures, or with trading shares of an ETF (especially on margin), you have to put up a lot of capital, and if the market does not go your desired direction, then will lose a lot. And on margin products you can lose more than you put in. Being long options does not come with these dilemmas. A long march 2015 call option on USO ETF can currently be bought for less than $200 of actual cash (ie. the trading quote will be less than $2.00, but this will cost you less than $200), and will be worth $1000 on a very modest rebound in prices. The most you can lose is the $200 for the contract. Compared to $4450 on the futures, or $100,000 (that you don't have) in the futures market if oil really moves against you, or compared to whatever large amount of cash needed to actually buy shares of an ETF needed to make any decent return. These are the most lucrative (and fun and exhilarating and ) ways to take advantage of rock bottom oil prices, as an individual."


Some good and some bad here. The bad amounts to the fact that consumers are missing out on potential opportunity in the markets due to fear. Any financial advisor or analyst can tell you that there are a multitude of ways to enjoy the markets while limiting risk. You may not make a Million but, you will likely beat the savings account rate. On the good news front it is great that Americans continue to shed debt and are hesitant to take on more. Somewhere in the middle is the fact that some borrowers who may be able to qualify for lower rates can't get them due to depreciated home values. The bottom line there is that if you can afford your mortgage, be happy. You don't NEED to refinance for a lower rate, our grandparents never refinanced and they did ust fine.


"The simple answer is that what you are doing is an incredible waste of time. The normal process is to charge, say, in January, the bill is cut at month end, and due by the 15th of February. No interest accrues. As long as the credit line is sufficient for your monthly spending, that's it. Now, if you are watching your score closely, utilization might become an issue, if the statement amount is much over 20%, there's an impact to your score. This is easily addressed with a second monthly payment, made just before the bill is cut. Keep in mind, the phrase ""carrying a balance"" commonly means not paying the bill in full, and letting interest accumulate. I understand you didn't mean that. The way you are paying your account isn't common, and really serves no value."


I am currently switching careers and health insurance plans. I am interested in not rolling over and simply a withdrawal of my previous HSA account. What type of penalty would that be and who would I need to contact? The insurance company or the bank where the HSA is held?


No, these were exit polls. Entirely different organizations and processes than pre election prediction polls. As an aside, most of the respected pre vote prediction polls were within the MOE at the area level, and at the national level they were mostly correct, considering he lost the popular vote by a significant margin. It's clear you don't know how statistical models work, but to put it in layman's terms, if they give something a 75% chance to happen, that means the other thing can easily happen. Especially when you are balancing the popular vote (which they were mostly correct on) And the electoral college. Food for thought next time you think that snarky answer is an intelligent one.


"NYT republished a nifty infographic that shows how the S&P 500 performs over various time horizons. If you study it for a bit, you'll see that 10 percent is not likely over time that you'll earn 10 percent annually after inflation. Most people quoting the higher number are working with numbers before inflation. The above linked chart is misleading in the following sense: it groups into five categories, who's boundaries are demarcated by percentages of interest. But we'd rather see them clustered by those percentages. For example, 6.9 percent falls into the neutral category (better than investing in fixed interest securities, but still below market average), but 7.1 falls into the ""above average"" category. The effect is that we will treat the neutral color that dominates the long term trend as being somewhere in the middle of 3-7, when I suspect that's not the case. Some day I'll probably make my own version and see how that plays out. So that all said, if you look at the 30 year diagonal, you can see there's still quite a bit of variation in returns. Unfortunately I can't turn this into a single number for you, but grab a spreadsheet and some market data if you want one."


The SEC considers a day trade to be any trade that is opened and closed within the same trading day, and considers a day trader to be any trader that completes 4 or more day trades within 5 business days. If so they would label you day trader and in the US you are required to have at least $25K in your account. Maybe that's why they require you to add more money to your account? See more at Day trading restriction on US stocks and Wikipedia - Pattern day trader.


December, 2, 2011 (03:00pm) :- Nifty Futures up by ( 1.57%) on the strong global crisis. Steps look by USA, Chinese, & European central banks are praised by every investors. Bharat Petroleum up by (7.12%) on the strong crude oil cues in Nynex. Nifty looks a strong support at 4930 & up 100 points on the strong European opening FTSE trading at 5564 up by 75 points, DAX and CAC trading at 3180 up by 50 points. Nifty futures have strong support levels at 4930 & then 4850 & resistance at 5140 & then 530.0 levels.


The soaps do not lather at all, the shampoo smells nice and that's about it. The dish washing detergent does not clean worth a shit. The laundry detergent will not pull stains and does not whiten whites, the tooth paste leaves my mouth feeling dirty even with my normal obsessive oral hygiene regimen. it's all crap. all brand and lifestyle and no substance.


Quickly check the escrow balance with the new lender. What was supposed to happen is that the old lender would send the money they were holding in escrow to the new lender with information regarding how it was calculated, and what you should be charged each month. The new lender would continue servicing the escrow at the same monthly rate, until they did a yearly or semi-annually re-analysis of the escrow account. This is how all the mortgage transfers that I have had happened, as long as it wasn't due to a refinancing of the loan. If it was a refinancing the escrow transfer was done at closing. He said that they close the escrow account and refunded it and they start a new escrow with the new lender. The new company would not want to have the money sent to you, because they would now have to require you to send the money on to them. There could be a gap of several weeks. They would have to pay any bills that come due during that gap, without the cash in the escrow account. If the escrow account is either zero, or very low, expect that the new company will be sending you a notice. The old lender could have convinced the new lender to refund the money back to them, or the old lender never transferred the funds. If a notice comes from the new lender, failure to replace the money will put your loan into default. If the sum of money is large they may have to increase the monthly escrow amount to make it up in 6 to 12 months. After that period the monthly escrow will return to a more reasonable level. If the old lender comes after you expect that the request won't be over the phone. One thing the old lender could do is to request the loan be transferred back to them. The funds would then flow back to their company, but your escrow balance would now be zero, and they would now up your monthly escrow amount to get back on track.


I would say that the WebMD's sellers are getting a good deal, to be bought out in cash (of certain value) rather than in stocks in KKR / Internet Brands that are of uncertain value (because you can't sell the lot overnight without affecting the price; you have to drip feed the stock onto the market slowly over months or years, and who knows that they'll be worth by the time you've managed to sell them). In *The Intelligent Investor* Benjamin Graham is quite critical of management funding acquisitions by the dilution of stock. Acquisitions seem to be KKR's raison d'être, however.


Usually I've seen people treat the dividend like a separate cash flow, which is discounted if the company doesn't have a well-established dividend history. I've never really seen dividends rolled into a total return chart (except in the context of an article), probably because dividend reinvestment is a nightmare of record-keeping in a taxable account, and most folks don't do it. One of my brokers (TD Ameritrade) does allow you to plot dividend yield historically on their charts.


Request verification in writing of the debt. They are required to provide this by law. Keep this for your records. Send them a notice by certified mail stating that this is not your debt and not to contact you again. Indicate that you will take legal action if they continue to try and collect. Keep a log of if/when they continue to call or harass you. Contact counsel about your rights under the fair debt collection laws, but if they keep harassing you after being provided proof of your identity, they are liable. You could win a judgement in court if you have proof of bad behavior. If your identity is stolen, you are not legally responsible for the charges. However it is a mess to clean up, so pull your credit reports and review your accounts to be sure.


I would go android too if there was a nice phone (Xiaomi Mii Mix 2 in small would be neat) and if i could stand android. So, i'm now on a 2012 ipgone 5. Storage is a bit low now and the battery is pretty bad. Not sure what i should use next. Maybe a SE but i really want a display going to the edges.


Okay, how good is my programmed test going to be if I'm new to trading? I thought the biggest flaw to algorithm trading is the people that write the code? I am still trying to develop my own sense of swing reading with significant structure, price action, and other technicals. I was going to use the click-by-click, ninjatrader method to see what works best. So, between your answer and my question. If I was going to buy data, from what stocks would be the best data to mine. L?


It is pretty easy to setup a spreadsheet for calculating interest payments and remaining balance. Do a quick search online. You may want to put it in something like Google Docs, where brother can view the status, but only you can edit it. When you get a payment, a portion goes to interest and another to principle. The formulas will do the work for you. However, I feel that there is a bigger issue. The math may seem like a good deal for the both of you, but I would be very hesitant to loan a family member money. What if he does not pay? What if he is late with a payment and goes on a vacation himself? What if his significant other resents the payment that you collect which precludes her from buying a new TV, etc... People come to hate/resent big corporations that they have to make payments. How much more so one that has a face....that comes over and eats? While this loan is outstanding holidays may never be the same. Is the loan a real need? Are you in a position to give them the money? You may want to consider the latter. Is there a reason he can't just borrow the money from the bank?


OTC markets group definitely has a lot of foreign and startup issuer is the tech field. Also you have to define technology. Do you want computer technology, engineering, hardware manufacturing, software companies, biotech, or something else? Technology can mean many things and what you specifically want may end up shaping your portfolio. Also technology is a volatile sector I'd diversify with something more stable like utilities or basic materials if I were you.


Hard for me to compare, never having taught anywhere else. I do think it has become a lot more structured over the past decade or so, but there is nothing like the horror stories I hear out the the states (e.g. pay/bonuses tied to performance reviews and/or test scores). All public system teachers are unionized here, so that helps a great deal.


Who can buy Uber for anything close to their current valuation? They're worth more on paper than Ford, GM, or Tesla. And founders and execs usually don't get the same seniority of shares and liquidation preferences as VCs.


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I think thats a common but in the end false opinion, that automation will take away all the jobs. In the 1950s people talked about what we'd do with all our leisure time as a result of automation. But here we are 70 years later and we're still working 40-50 hours a week for the most part. There aren't a finite number of jobs. We create new ones when old ones are no longer relevant. I don't think we need to protect the switchboard operators, lamp lighters or bowling pin setters of America. If a machine can pack a box with toilet paper, toothpaste and AA batteries better than a human, I want more machines.


"This is the best tl;dr I could make, [original](http://www.ocregister.com/2017/08/28/what-business-exodus-california-tops-in-u-s-for-company-creation/) reduced by 81%. (I'm a bot) ***** > Even the headquarters of Jamba Juice and Carl&#039;s Jr. So with much talk about companies supposedly fleeing California en masse - purportedly due to unfriendly conditions for business - would you be surprised if I told you the state had the nation&#039;s largest increase in the number of companies between 2014 and this year? > Even if you rank states on percentage growth, California still looks pretty good in this period: It ranked 10th best for small business creation; No. 17 for mid-size; 23rd for giant companies and 13th in overall growth. > Yes, several indexes of relative business attractiveness by state give California low grades. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6x1wk6/what_business_exodus_california_tops_in_us_for/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~201450 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*: **California**^#1 **company**^#2 **state**^#3 **business**^#4 **growth**^#5"


"If you intend to gamble, you should bring cash with you and turn your chips into cash at the end of the night. If the casino closes and you haven't cashed in your chips before docking, you'll be out of luck. Also if you use your ship card to get money for gambling, they will charge you a hefty fee. If you use the electronic poker table or a machine that doesn't take actual money, you'll have to use your ship card. Make sure when you leave the at the end of the night that you ""cash in"" your electronic winnings. This is really confusing, but the machines will debit your ship card, into a 'casino account' and if you just walk away thinking it will net out your other purchases (drinks, food, etc) you will lose all of that money. Summary: If you gamble, use real money and convert your winnings back into real money."


At their age, the likely did not even need the coverage anymore unless they were doing some major estate planning. If that's the case then it sound like they purchased the wrong policy to begin with since OP's account of the information makes it sound like a term policy. If it is a term policy, the term was also probably about to end as well. In the end, this will likely not be a bog deal.


Serious question here...at buffet places, do we have to tip? What's the normal percentage? There is a new lunch buffet place and all the waiter does is bring you the drink and I guess clear the table when you're done eating...That's a bit less work than taking your order, bringing your order, making sure stuff is not missing from your order, etc.


Financial Economics, although, as I understand it, not all colleges offer this major.


What always impressed my interviewers was talking about my stock trading experience. They don't care if you're investing $100 or $100k as long as you can talk about the story of what you look for in an investment, why you're trading, what your process is. All of that goes a long way to showing you're interested beyond classes.


"This is ridiculous. Of course some companies don't pay taxes each year. Off the top of my head, NOL's (net operating losses) can be carried forward 20 years and will definitely reduce tax liability. For that matter, a loss during any year prevents paying income tax (though sales, property, ad valorem and other taxes may apply). Other companies may get capital credits, green credits, or other subsidies that might prevent a tax liability. None of these indicate that a corporation is getting away with anything. The IRS is a lot better at its job than most people think. The point is, you can't look at any individual year and make an accurate assessment of a company's (or even an individual's) tax burden. It's completely dishonest reporting. Source: I'm a state tax auditor, and my job is to make sure corporations pay what they are supposed to. EDIT: additionally, 2010 was the heart of the recession for a lot of companies. There were a LOT of corporations that took losses that year. So to say that ""GE took in 14.2 billion and paid no taxes"" is misleading: you have to say WHY they paid no taxes or you're just blowing hot air. Taxes are assessed on **income**, not **revenue**. There is a big difference."


I'm no expert but I don't think it's too far fetched to say there's billions of dollars that could be saved with making government spending operate more efficiently. Also there's plenty of things that the government spends money on that could be left to the private sector/state governments (housing, education, healthcare)


You just said a lot of stuff and provide no sources. I'm not even British (American) and can say the British absolutely have things to offer. They have some of the best universities in the world and are a highly educated, English speaking country. Not to mention, they will likely develop some trade deals with Canada, Australia, and New Zealand. https://www.google.com/amp/business.financialpost.com/opinion/in-the-trump-era-the-plan-for-a-canadian-u-k-australia-new-zealand-trade-alliance-is-quickly-catching-on/wcm/28a0869b-dbab-4515-9149-d1e242b1ef20/amp


I already commented the best existing answers, however let me note a couple of other things. Some of my friends in the past have wanted to do one of the following:


"It is measured in US dollars. The US cannot just print the money because that would cause inflation. Remember that money is really just a convenient placeholder for the barter system. Creating more money regardless of whether there is more value in the economy (work, resources, etc.) is a very bad idea, and doing so has collapsed the economies of many countries. Debt increasing means that the US owes other countries more money. So yes, they are receiving more money from other countries, but the US has to pay it all back with interest eventually. The US government spends more money than it receives in taxes. To decrease the debt, spending needs to decrease and/or taxes need to increase. Many countries lend to the US. One of the biggest is China. These countries do so because of interest -- the US pays back more money than it gets lent, so the lending countries make a profit. If China suddenly called in all its debt to the US, this would severely damage the world economy. China's biggest trading partner is the US, so it has no interest in harming the US this way; it would harm itself. Additionally, the US would probably refuse to pay it (not to mention that it can't), and then China would lose all the money it ""invested"" in the US. It would benefit no one."


"401k plans are required to not discriminate against the non-HCE participants, and one way they achieve this is by limiting the percentage of wages that HCEs can contribute to the plan to the average annual percentage contribution by the non-HCE participants or 3% whichever is higher. If most non-HCE employees contribute only 3% (usually to capture the employer match but no more), then the HCEs are stuck with 3%. However, be aware that in companies that award year-end bonuses to all employees, many non-HCEs contribute part of their bonuses to their 401k plans, and so the average annual percentage can rise above 3% at the end of year. Some payroll offices have been known to ask all those who have not already maxed out their 401k contribution for the year (yes, it is possible to do this even while contributing only 3% if you are not just a HCE but a VHCE) whether they want to contribute the usual 3%, or a higher percentage, or to contribute the maximum possible under the nondiscrimination rules. So, you might be able to contribute more than 3% if the non-HCEs put in more money at the end of the year. With regard to NQSPs, you pretty much have their properties pegged correctly. That money is considered to be deferred compensation and so you pay taxes on it only when you receive it upon leaving employment. The company also gets to deduct it as a business expense when the money is paid out, and as you said, it is not money that is segregated as a 401k plan is. On the other hand, you have earned the money already: it is just that the company is ""holding"" it for you. Is it paying you interest on the money (accumulating in the NQSP, not paid out in cash or taxable income to you)? Would it be better to just take the money right now, pay taxes on it, and invest it yourself? Some deferred compensation plans work as follows. The deferred compensation is given to you as a loan in the year it is earned, and you pay only interest on the principal each year. Since the money is a loan, there is no tax of any kind due on the money when you receive it. Now you can invest the proceeds of this loan and hopefully earn enough to cover the interest payments due. (The interest you pay is deductible on Schedule A as an Investment Interest Expense). When employment ceases, you repay the loan to the company as a lump sum or in five or ten annual installments, whatever was agreed to, while the company pays you your deferred compensation less taxes withheld. The net effect is that you pay the company the taxes due on the money, and the company sends this on to the various tax authorities as money withheld from wages paid. The advantage is that you do not need to worry about what happens to your money if the company fails; you have received it up front. Yes, you have to pay the loan principal to the company but the company also owes you exactly that much money as unpaid wages. In the best of all worlds, things will proceed smoothly, but if not, it is better to be in this Mexican standoff rather than standing in line in bankruptcy court and hoping to get pennies on the dollar for your work."


Are you kidding? Subsidized loans is effectively free money. Of course they're going to avail themselves. The real reason is prbably that Bernanke didn't want to be playing favorites (which he was). The level and quality of collateral required for these loans varied wildly, with very little explanation. Also, 16 trillion is a LOT of money to be given out as a subsidized loan, even if the quality of the collateral was high and the duration was short (which is NOT true for at least a trillion of that money).


Speaking as a CFA charter holder in an alternative asset class, the CFA designation is beneficial to any role in finance. Not only does it provide a framework for understanding economics, accounting, financial instruments and markets, etc, the real value to me, is the signal it provides to others. For me, the CFA signals a level of intellectual sophistication and work ethic that employers, prospects, etc. Maybe asset management jobs aren't as in demand as previously, but I'm sure a CFA charter holder has a better chance of finding a retaining that role


I don’t know what you mean by “fair price”. A lot goes into pricing and you haven’t really given enough details. How will the customers be getting your decks? What have customers paid in the past for your decks? What advertising have you already done or are planning to do? How exactly are your decks higher quality? Are your designs original? Who did them? How will they be packaged? There are lots of variables. You’re going to want to differentiate yourself as much as possible going forward and price accordingly.


Ethics and sources of meat aside, it's important to note the markets are currently not working. There are farm subsidies keeping the cost of meat low and many externalities generated from meat production (eg cow methane) which are paid for.by society and not the producer. Fix those issues and I'm right there with you!


Public sector union rep here. 1) First class? You haven’t worked for many non-profits, have you? 2) the idea that I’m essentially a public employee is ridiculous. My members pay my salary out of their paycheck. I’m accountable to them, not their employer. That’s like saying the groceries they buy are public property or their house is a public building. Once the government pays my members, that money is theirs, period.


Harvesting fresh produce is labor intensive and that costs money. As it is fresh produce is harvested using quasi-slave labor in North America, China and other parts of the world to keep prices down. Wanna know why a watermelon costs $40 in Japan and $3 in the USA? Guess which country pays legal citizens living wages to harvest produce...


"Generally speaking, yes, you can withdraw cash from an ATM using your credit card. However, this is usually a terrible deal: Also, keep in mind that on top of the limit set by the ATM of the amount of cash you can withdraw, the credit card company also has its own ""cash advance credit limit"" that is usually lower than your regular credit limit for purchases."


I used to sell electronics at sears. Let me tell you something about the sears I worked at. At the time, sears could not figure out how to keep track of how many TVs we had. So whenever a customer wanted a tv, we had to dash across the store, go into the backroom, get a manager to open the tv cage, and physically check if we had the tv in stock. This was a colossal waste of time, and we never really had more than 2 or 3 of any given TV at a time. I lost sales all the time because we didn't have tvs in stock. Turns out people don't want to wait a week to pick up a TV they bought. My coworkers and I complained to our manager about this but nothing was ever done.


I was having a conversation about this recently because I got a raise and it kind of surprised me I didn't have to fight so much for it. Companies regularly give us CPI increases but in certain fields (especially IT at the moment) wage growth is so rapid that in 1-2 years you're 10-20% behind your peers. A lot of people change jobs regularly to avoid this. I've fought for raises and kept moving around to different departments to keep my wage up to baseline but I get that for a lot of people thats not possible due to company culture.


Yes, that's all that happened in the last 30 years: people got lazy and stupid, that's all. Oh, they're more productive? That's just because the CEO is so damn good, all the value from that extra productivity should just go to him. /s


"> would anyone have viewed the success of the iPhone differently if its launch was delayed by a few months? OK, Mr. Financial 'journalist', why don't you look up Mr/Ms ""Depositor #455,000"" and catch their reaction when they find out when they can expect their Model 3? How many tail-end Charlies are going to wait that out? Not to mention what ""tail-end"" will end up paying; the [current](http://insideevs.com/when-will-the-7500-us-credit-expire-for-the-tesla-model-3-and-everyone-else/) phase-out schedule for that $7500 tax-credit puts it to our recent 'depositor', *hard*. At the Model 3 price point, this is going to make the car about 20% less 'affordable for most of those in line. With almost 10% back-outs already, another few 'below-expectations' quarters will provoke some serious pitchfork waving."


"haha I used to be the same way. But then I began to realize that these charts are somewhat intentionally vague so that the topic does seem more confusing and complicated, so then we're much more inclined to just say ""hmm ok, I guess they know what their talking about"". That's the beauty of numbers too; they can be manipulated and concentrated into certain way so that it helps to prove a thesis someone is positing. Unfortunately these charts often provide zero context to go along with it, so any real knowledgable investor wont give much thought to one set of charts, like the ones in this post."


The point of the article is not making your own investments vs. hiring a money manager. It is about passive low cost investments vs. active money managers. This article is advising people to avoid active money managers because (A) even an extra 1% management fee adds up to a lot, and (B) active managers usually don't beat the low cost passive options anyway.


Stuart MacFarlane Psychotherapist Stuart MacFarlane is a well-known Jungian psychotherapist who has over 30 years of experience as an educator, counsellor and psychotherapist. Originally from Sydney, Australia, he currently resides in London where he maintains his private practice. Over the years, he has helped hundreds of patients cope with and overcome a variety of psychological dilemmas.


I can often get the option at [a] price [between bid and ask] The keyword you use here is quite relevant: often. More realistically, it's going to be sometimes. And that's just how supply and demand should work. The ask is where you know you can buy right away. If you don't wanna buy at ask, you can try and put a higer bid but you can only hope someone will take it before the price moves. If prices are moving up fast, you will have missed a chance if you gambled mid-spread. Having said that, the larger the spread is, the more you should work with limits mid-spread. You don't want to just take ask or bid with illiquid options. Make a calculation of the true value of the option (i.e. using the Black Scholes Model), then set your bid around there. Of course, if not only the option but also the underlying is illiquid, this all gets even more difficult.


Obviously the problem that we have no control over and is going on in someone else's house. It's like how in meetings the major bugs in the latest release are glossed over in five minutes while discussions of coffee room etiquette take forty five.


I'm just began playing in the stock market. I assume you mean that you're not using real money, but rather you have an account with a stock simulator like the one Investopedia offers. I am hopeful that's the case due to the high level of risk involved in short selling like you're describing. Here is another post about short selling that expands a bit on that point. To learn much more about the ins and outs of short selling I will point again to Investopedia. I swear I don't work for them, but they do have a great short selling tutorial. When you short sell a stock you are borrowing the stock from your broker. (The broker typically uses stock held by one or more of his clients to cover the loan.) Since it's basically a loan you pay interest. Of course the longer you hold it the more interest you pay. Also, as Joe mentioned there are scenarios in which you may be forced to buy the stock (at a higher price than you sold it). This tends to happen when the stock price is going against the short sell (i.e. you lose money). Finally, did anyone mention that the potential losses in a short sell are infinite?


I would not take any action with the check (neither return it nor cash it), but instead contact the bank. We live in the modern era where you can call someone on the phone or email them, and get nearly instant feedback. Use this to your advantage. Find out why they refunded you the money twice: was it an error on their part (in which case you just tear up the check or return it to them and be done with it)? Is it possible you're wrong about it being twice refunded (maybe the first check didn't go through properly or was only for half the amount, and you're just wrong)? Maybe they had some sort of guarantee that they failed to live up to and are correctly refunding you double your money. Probably the first, of course. But you should call them and ask, and verify what they want you to do, before you take any action - particularly one that costs you money. And certainly don't just cash the check; if it is a mistake, they'll be asking for that money back later, with interest, and be within their rights to do so.


But the point is that these opinions were once held by many if not most of our Founding Fathers, which leaves open the question of which of their other opinions we can take seriously. They did not enshrine their hypothetical view of Congressmen as temporary workers in the Constitution, did they?


Generally banks will thoroughly check to make sure there is a market for the item before they take it as collateral. After that they will say it's only worth 40-80% of its value to avoid price volatility. So while it is rediculous to take a Andy Warhol painting as collateral, banks will be pretty conservative on its value (usually).


Because that is not at all what you said. Very simple. PS. You can always use more data. You never have perfect or enough data. So you point is akin to water is wet... it is not like you discussed why the data we have is not appropriate


"I feel like you didn't actually read your agent's agreement, which should say where the money actually comes from. You sign it so that your agent can get paid by the listing agency from the net brokerage fees which the buyer pays. In the United States, ""real estate agents are prohibited from being paid a commission directly by the consumer."" (citation: https://www.thebalance.com/how-do-buyer-s-agents-get-paid-1798872 ) The agreement will say exactly where your buyer's-agent's money is going to come from. Typically the listing agency receives the broker fees from the seller, and then pays both the seller's agent and the buyer's agent from that. It means both agents have to split the fee. [If] for some reason the seller won't pay the buyer broker, can I just not purchase the house? Pretty much, yes, though it won't be you saying ""deal's off"". Unless they have some really unusual contracts with their OWN broker, if the seller refuses to pay fees, their own side of the transaction is going to fall apart and the sale won't happen at all, leaving you off the hook for your own broker's fee."


Given the current economic situation with more people going online to shop for everything from groceries to the most important purchase of a lifetime, the perfect place to live, it is paramount for real estate firms, both large and small, to ensure their website grabs and holds potential client attention.


In a very basic sense you can only issue a dividend from distributable profits, which in practice is usually the businesses retained profits. As a new company you will not have any retained profits and therefore technically no distributable profits. In practice though, many companies issue interim dividends before the year end, however you are best taking professional advice as to whether you are in a position to do this. If the company pays out dividends in the first year and then makes a loss you will have been deemed to make an illegal distribution. The 'dividend' can then actually be treated as loan rather than a distribution but there are potential tax implications there. See ACCA guidance here on Illegal Dividends. A Chartered Accountant will be able to advise you accordingly.


You could also interpret these actions as satisfying consumer wants, instead of as some sort of conspiracy. Businesses want to make sales. That's not news. That's no a secret. I think it's pretty safe to assume everyone knows that. If you, as an individual decided to pawn of responsibility for for purchases on other people, you'd be seen as ridiculous, and rightly so. This implies that you think this doesn't apply to you, but does apply to many other people. That makes you an elitist. Exactly how much better than everyone else do you think you are?


About 10 years ago, I used to use MetaStock Trader which was a very sound tool, with a large number of indicators, but it has been a number of years since I have used it, so my comments on it will be out of date. At the time it relied upon me purchasing trading data myself, which is why I switched to Incredible Charts. I currently use Incredible Charts which I have done for a number of years, initially on the free adware service, now on the $10/year for EOD data access. There are quicker levels of data access, which might suit you, but I can't comment on these. It is web-based which is key for me. The data quality is very good and the number of inbuilt indicators is excellent. You can build search routines on the basis of specific indicators which is very effective. I'm looking at VectorVest, as a replacement for (or in addition to) Incredible Charts, as it has very powerful backtesting routines and the ability to run test portfolios with specific buy/sell criteria that can simulate and backtest a number of trading scenarios at the same time. The advantage of all of these is they are not tied to a particular broker.


I'm going to assume that you want to be invested all the time and each trade consists in selling a security and buying another one (similar to your example). How much commissions you are willing to pay depends on several factors, but one way to think about it is as follows. You have a position in stock A and you want to switch to stock B because you think it will perform better. If you think there's a good chance (>50%) that B will outperform A by more than x% then you can happily pay up to x/2% commissions and still make money over a long time horizon. If you like formulae, one way to express it is: Where: Example: if you tend to be right 51% of the time (hit rate), and gain 110% more than you lose on average (win loss ratio), you can see that your expected profit is: 5.1% - commissions, so you could pay 2.5% commissions on entering and closing the position and still make money*. Unfortunately, common sense, statistics and numerous studies tell us a sad truth: on average, people have a hit rate of 50% and a win/loss ratio of 100%. Which means that their expected profit per trade is 0% - commission. Based on that crude observation - unless you can prove to yourself that you are better than average - you should aim at reducing commissions paid to your broker as much as possible through: * 51% and 110% are not random numbers, they correspond to the results of the top 15% (professional) managers in a research paper using a sample of 215 funds managing $150bn.


First off, the basics on HST/GST: You don't need to collect HST, if you don't want to, until you hit 30k in a particular three month period (assuming you're not regularly passing $30k). You then need to collect on the sale that takes you over $30k plus all sales after that. See the H&R Block page on GST/HST for example: [B]usiness goes through the roof, generating more than $30,000 in one particular three-month period. In this case, the day the sale goes through that took you over that $30,000 threshold becomes the day you cease to be a small supplier. You must charge GST/HST on the sale that put you over the $30,000 limit, and on all sales after that, even if you are not yet registered. You now have 29 days to register with the government. Alternately, if you hit 30k over four three-month periods (i.e., a year), then you are exempt until the end of that fourth three-month period, after which you must register and collect HST the month after: [R]evenues in excess of $30,000 during four (or fewer) previous, consecutive three-month periods. You will be considered to be a small supplier for those four calendar three-month periods, plus the next month. Your first sale after that additional month, and all sales thereafter, will have to include GST/HST. You will have 29 days from the first day of the second month to register. However, many businesses do collect HST/GST even under that limit, in particular as it means you can collect tax refunds for your input HST/GST paid. If you do so, then you simply register from the start, and then you don't need to worry about it. You do need to remit those taxes collected, though. If you don't remit, you won't be able to collect tax rebates for your input HST/GST. You decide to become a GST/HST registrant when you start your business. You expect to exceed the $30,000 threshold at some time in the near future. You also want to receive any GST/HST paid back from the government on all expenditures especially those high startup costs. And, as Grant Thornton recommends: In most cases, it’s generally a good idea to register for GST/HST as soon as your business is established. Provided that your business makes (or will make) taxable or zero-rated supplies, early registration ensures that GST/HST paid on costs incurred is recoverable since tax paid prior to registration is generally not recoverable except on the purchase of inventory, capital property and prepaid services still on hand at the time of registration. Be sure to register early because, in many situations, registering late can result in the loss of recoverable GST paid before registration.


The exchanges artificially push the price of the stock down on the ex-div date. Often the impact of paying the dividend is absorbed by the ebb and flow of trading in the stock later in the day by the market. I think this was noticable with Nokia because the company is in poor shape and the stock has plunged recently. Dividends are a great way for companies to return value to shareholders. The trend for many companies, particularly growth stocks is to reinvest profits to grow the company. Former growth stocks like Microsoft like to just sit on billions of dollars and do nothing with it.


"What does ""points"" mean In any stock market, there are certain stocks that go up and certain stocks that go down. Hence if we want to find the generic health of stock market, i.e. on an average is it going up or down, we have no means to find out. A practise that has evolved over the years is take a set of companies and find if on average they have gone up or gone down. In very simple terms say in 1970 I take the Market Capitalization of a set of 50 companies, lets say its value is ""X"". I would now call this index as value of 100. Now after a month if the Market Capitalization is 2X, the index value would be 200. After another month if the Market Capitalization come down to 1.5X, then index value would be 150. So essentially now one is able to get the general trend more easily. S&P is an index of Select 500 companies based on various parameters. So in isolation 2000 does not mean anything. However as a comparison it does give quite a bit of insight. Note there are various adjustments made to factor, i.e. certain companies go bankrupt or are not doing well are removed from Index, share splits, mergers, etc. This ensure that the Index is neutral and does not show unwarranted spikes."


Non-disclosure agreement? To be honest though, your idea would have to be great *and* achievable to make it appealing enough to steal. I'm involved in two businesses at the moment (one of them is a web app). We have an NDA in place for potential investors, which is enough to let people know you're serious.


"What is a good bank to use for storing my pay? Preferrably one that has free student accounts. Can I save money from my paychecks directly to a Canadian bank Otherwise, can I connect my bank account to my Canadian account online? Any (almost...) bank in the US has free college checking accounts. If the bank you entered doesn't - exit, and step into the one next door which most likely will. The big names - Wells Fargo, Bank Of America, Chase, Bank of the West, Union Bank, Citi etc - all have it. Also, check your local credit union. Do I need any ID to open a bank account? I have Canadian citizenship and a J-1 visa Bring your passport and a student card/driving license (usually 2 ID's required). What form of money should I take with me? Cash? Should I apply for a debit card? Can I use my Canadian credit card for purchasing anything in the states? (Canadian dollar is stronger than US dollar currently, so this could be to my advantage?) There's some fuss going on about debit cards right now. Some big banks (Bank of America, notably) decided to charge fees for using it. Check it, most of the banks are not charging fees, and as far as I know none of the credit unions are charging. So same thing - if they charge fees for debit card - step out and move on to the next one down the street. Using debit card is pretty convenient, cash is useful for small amount and in places that don't accept cards. If you're asking about how to move money from Canada - check with your local (Canadian) bank about the conversion rates and fees for transfers, check cashing, ATM, card swipes, etc - and see which one is best for you. When I moved large amounts of money across the border, I chose wire transfer because it was the cheapest, but for small amounts many times during the period of your stay it may be more expensive. You can definitely use your Canadian credit/debit card in the States, you'll be charged some fee by your credit card company, and of course the conversion rate. How much tax does I have to pay at the end of my internship? Let's assume one is earning $5,000 per month plus a one time $5,000 housing stipend, all before taxes. Will I be taxed again by the Canadian government? $5K for internship? Wow... You need to talk to a tax specialist, there's probably some treaty between the US and Canada on that, and keep in mind that the State of California taxes your income as well. What are some other tips I can use to save money in the California? California is a very big place. If you live in SF - you'll save a lot by using the MUNI, if your internship is in LA - consider buying an old clunker if you want to go somewhere. If you're in SD - just enjoy the weather, you won't get it in Canada. You'll probably want a ""pay as you go"" wireless phone plan. If your Canadian phone is unlocked GSM - you can go to any AT&T or T-Mobile store and get a pre-paid SIM for free. Otherwise, get a prepaid phone at any groceries store. It will definitely be cheaper than paying roaming charges to your Canadian provider. You can look at my blog (I'm writing from California), I accumulated a bunch of saving tips there over the years I'm writing it."


You are right that every transaction involves a seller and a buyer. The difference is the level of willingness from both parties. Overbought and oversold, as I understand them (particularly in the context of stocks), describe prolonged price increase (overbought, people are more willing to buy than sell, driving price up) and price decrease (oversold, people are more willing to sell than buy, driving price down).


No, everyone has the ability to plan their life. Everyone. I grew up piss poor and black. Living below your means doesnt mean homelessness. It means buy groceries instead of eating out, pay $500 room rent vs $1200 apt. Sacrifice today for tomorrow


My point was not so much to advocate higher pay for these guys as to point out that some of these folks may actually have worthwhile skills, but can't find better work. I just think it's a mistake to assume they're lazy scum, that's all. At least, that's what I took away from reading snook's paragraph.


For whatever reason, Americans gave up on learning about the world or caring whatsoever about how they are governed. Most people around me have some working knowledge of current events, but aren't interested or passionate enough to do anything about. And the 2 party system perpetuates this behavior, as does the media we consume. A lot of us don't vote because we don't believe at all in the system. As for military spending vs. social programs, well... it's hard to disagree over facts [so I'll just link to this here.](https://static.nationalpriorities.org/images/fb101/2014/presidents-proposed-total-spending.png) Military at 16% vs. social programs at 50% combined. I'll never defend how large our military is - frankly I think it's a joke at how much we spend today - but there are too many spending issues to count and the social programs are a larger part of that than anything else. I'm no republican or democrat. Whether they believe it or not, both political party participants are for bigger government and more centralized control of the economy and our daily lives.


"The added value is web ordering (secure payments, shipping and paying fraud prevention) and handling logistics to ship to your door. Retail adds additional middleman cost via commercial brick and mortar stores with comparable expensive rents only ""near"" the customer (not to the door) and retail workers salaries. Many products don't need to be touched and felt before buying and with great return policies this is solved via a little bit more time (return ship & replacement). The last advantage of retail over online is ""can have it in few hours at home"" versus days for online shipping. Few items justify that instant delivery premium: emergency buys (spare parts for broken down machines, printer ink/toner cartridges), fresh cooked meals for example."


I would like to add that from my own research, a pro to leasing over buying a new vehicle would be that with the lease the entire 7,500 federal incentive is applied directly to the lease, or so they say. If you buy a new car you get a 7,500 federal tax incentive also but if you dont have 7,500 bucks in taxes this wont be as much value. It doesn't sense to me to buy used since you dont get the tax incentive and also if you're in california the 2,500 rebate only applies to buying new or leasing 30 month or longer.