"If you think IBMs recent moves on telecommuting have anything to do with telecommuting, your confused. By forcing many people back into the office, often in a different state, they are implementing stealth layoffs. Just like Yahoo did, they are putting a lot of people in tenuous positions & expecting them to simply quit instead of move. IBM is shaky & laying off a lot of people. MANY IBMers are worried about their jobs, then a ridiculous demand to move to keep your job, without any relocation reimbursements comes along... You read between the lines & just find another job. There are reporting rules for large scale layoffs & IBM is skirting around that by forcing people out ""of their own free will"". They don't have to pay unemployment, and they don't have to claim them as layoffs."


"It depends on what you're talking about. If this is for your retirement accounts, like IRAs, then ABSOLUTELY NOT! In your retirement accounts you should be broadly diversified - not just between stocks, but also other markets like bonds. Target retirement funds and solid conservative or moderate allocation funds are the best 'quick-and-dirty' recommendation for those accounts. Since it's for the long haul, you want to be managing risk, not chasing returns. Returns will happen over the 40 or so years they have to grow. Now, if you're talking about a taxable stock account, and you've gotten past PF questions like ""am I saving enough for retirement"", and ""have I paid off my debt"", then the question becomes a little more murky. First, yes, you should be diversified. The bulk of how a stock's movement will be in keeping with how its sector moves; so even a really great stock can get creamed if its sector is going down. Diversification between several sectors will help balance that. However, you will have some advantage in this sector. Knowing which products are good, which products everybody in the industry is excited about, is a huge advantage over other investors. It'll help you pick the ones that go up more when the sector goes up, and down less when the sector goes down. That, over time and investments, really adds up. Just remember that a good company and a good stock investment are not the same thing. A great company can have a sky-high valuation -- and if you buy it at that price, you can sit there and watch your investment sink even as the company is growing and doing great things. Have patience, know which companies are good and which are bad, and wait for the price to come to you. One final note: it also depends on what spot you are in. If you're a young guy looking looking to invest his first few thousand in the market, then go for it. On the other hand, if you're older, and we're talking about a couple hundred grand you've got saved up, then it's a whole different ball of wax. It that spot, you're back to managing risk, and need to build a solid portfolio, at a measured pace."


Reddit doesn't have a ton of resources to offer you as you learn about where to invest, you want to start reading up on actual investing sites. You might start with Motley Fool, StockTwits, Seeking Alpha, Marketwatch, etc. I agree with hipster's take, if all countries are going to keep printing money and expanding their debts and craziness, gold has a bright future. Land, petroleum, commodities, and precious metals have an intrinsic worth that will still be there regardless of what currencies are doing, versus bonds which are merely promises to pay, which will be paid off in devalued money, or stocks which are just promises of future earnings. Think about spreading your risk in a few different places, one chunk here, one chunk there. Some people in the US now are big on dividend paying stocks in lieu of bonds which only pay a percent, which is negative return after inflation. Some people buy 'royalty trust' units, which throw off income from oil leases as dividends. You might want to park a portion in a different currency, but dollar funds aren't going to pay interest and Switzerland plans to keep devaluing its currency as people keep bidding the price up. I don't know if you are allowed to buy CEF, a bullion-backed fund out of Canada in your country, but that's one way to own gold & silver. But with the instability out there, you might prefer a bit of the real thing stashed in a safe place. Or if you have a bit of family land, maybe just be sure you can pay the taxes to keep it; or pursue any other way to own 'real stuff' that will still be worth something after all hell breaks loose.


"Lindsell Train Investment Trust could be different than the ""Lindsell Train Limited"", the company that runs the fund and thus you are mixing apples and oranges here since the bank isn't a listed stock."


"Legally: gods know. I would strongly recommend asking the Law asre of Stack Exchange to advise on that. Practically: What's the worst that happens? They audit, you say ""Yeah, I could probably have claimed these deductions but I didn't want to; is that a problem?"", they decide and either nothing happens or they issue you the unwanted refunnd. They aren't going to fine you for overpaying. Unless this would expose something criminal -- or you're a public figure and it would be embarassing -- this strikes me as falling firmly within the bounds of ""no harm, no foul""."


I think your underestimating what a 50k single influx of workers can do for an area long term. More people to a well developed city is good for the city. Detroit for example is structured to handled 1.5 million, even though it only has 750k now. 50k employees means 400k new local jobs supporting those main ones. 400k new people would finally allow the city to once again be a proper city and metro area. Aka wealth concentration in the city, less concentration on the exterior. In the detroit metro area it gets wealthier as you go further from the city. I dont see how this is in line with Brazil's corrupt class structure at all. Some of these cities need a golden ticket to fix the suburban flight that happened post ww2 and especially after the interstate system.


First of all an IRA is a type of account that says nothing about how your money is invested. It seems like you are trying to compare an IRA with a market ETF (like Vanguard Total Market Admiral VTSAX), but the reality is that you can have both. Depending on your IRA some of the investment options may be limited, but you will probably be able to find some version of a passive fund following an index you are interested in. The IRA account is tax advantaged, but you may invest the money in your IRA in an ETF. As for how often a non-IRA account is taxed and how much, that depends on how often you sell. If you park your money in an ETF and do not sell, the IRS will not claim any taxes from it. The taxable event happens when you sell. But if you gain $1000 in a year and a day and you decide to sell, you will owe $150 (assuming 15% capital gains tax), bringing your earnings down to $850. If your investments go poorly and you lose money, there will be no capital gains tax to pay.


Our current plan is to gut everyone's jobs in exchange for spreading copyright and patent protections to every third world country we can, thus collapsing our own prosperity at the same time we collapse theirs. This is all based on the false hope that giving profits to companies will make all these bad choices good for the US economy somehow. We have a plan, it's just stupid.


"Okay, definitive answer for this particular company (Toyota Finance) is (somewhat surprisingly, and glad I asked) it must be fully insured at all times, including liability, even if being stored. I asked at a dealership and they answered ""just fire and theft (of course)"" but I ended up calling their finance department and the answer was the opposite. So there you go. Thanks for the answers (and for trying to talk me out of wasting money)."


First of all, Mezz lending is, in my opinion, the riskiest piece of the capital stack. It has all the drawbacks of debt with none of the benefits of equity. You can be rest assured, when shit goes south, the market goes through the mezz about as fast as you can blink. They are the most marginal piece of the capital stack and only seem to appear in red hot markets (which, is to say, late stage markets). Also, this article defines terms and talks about economic macro metrics like that somehow informs the reader that the Chinese Real estate market is a good investment. Yes, GDP growth informs rent growth and overall demand but that like saying GDP growth increases corporate earning. No duh. That doesn't tell me if the the cap rate already prices in that growth or what if the pipeline of development is overbuilt. Not to mention, investing in another market, in the most speculative risk curve of an alternative asset with no liquidity or legal recourse. Yeah, no. edit: and current exchange risk.


Will every single person of the generation work minimum wage jobs? Not literally. [The Low-Wage Recovery and Growing Inequality](http://www.nelp.org/page/-/Job_Creation/LowWageRecovery2012.pdf?nocdn=1) This is from 2012 but the trend is still going strong. Pretty soon, the most attainable jobs for many people are going to be retail, low wage jobs. Not because they lack the skills to do anything but because that's all that's really being offered.


First you will need a plan stating three main points: You will have to decide what criteria you will use to answer these points. You might use Fundamental Analysis to find what to buy and Technical Analysis to decide when to buy and when to sell (your buy and sell triggers). Once you have a Trading Plan in place you would need to find a broker with conditional orders. You can place conditional buy orders to get in a trade (for example if the price moves above or below a target price). You can place conditional stop loss orders if your trade goes against you, and you can also place conditional profit target stops to automatically get out if rises to your desired profit target. You can place one, two or many conditional orders after hours which will enable you to trade without being in front of your screen all day long.


Mervis Diamond is a onestop destination for buying diamonds and diamond ornaments. They specializes in diamond engagement rings and wedding bands, diamond studs, and much more. With their roots at diamond mines in South Africa, they maintain strong relationships and import all their own diamonds. Mervis has a reputation you can trust. For any budget, they will get you the biggest and most brilliant diamond possible, and save you some dollars in the process.


"Removal of Net Neutrality is a vote for **double billing consumers!** Many consumers already overpay for their internet service (physical and wireless), and most people don't realize that websites also pay for internet access. That second fee is built into the site's business model (e.g., ad-supported, subscription, etc.) Sites could more effectively fight for Net Neutrality with a financial campaign like this... Subscription services could highlight the ""hidden"" cost of website internet access as a line item on their invoices. For example: * Netflix $5.50 * Verizon Access Fee $3.50 * Total Price $8.00 or * Netflix $5.75 * AT&T Access Fee $4.25 * Total Price $10.00 Of course, removing Net Neutrality means that Netflix would need to jack up it's prices for customers depending on who their ISP is (to meet whatever crazy quality of service fees the ISPs want to tack on) - and that seriously messes with Netflix's business. However, by using invoice line items, consumers, and their politicians would quickly realize that ISPs are double dipping. Maybe Netflix could simply threaten this reality? The more interesting problem is ad supported businesses like Google and Facebook. Any removal of Net Neutrality will lead to higher fees paid by advertisers, and most likely further annoyances to consumers with yet **more fucking ads** that try to pay for this insanity. Advertisers themselves are disgruntled with digital advertising, and it would be interesting if they too realized that ISPs were ultimately screwing them with quality of service fees. Can you imagine - some advertisers will pay more for that quality of service to force yet more ads on you! But the really scary part isn't Net Neutrality - it's the data rape that ISPs engage in to get those sweet sweet ad dollars. [Back in March, that debate came and went with a fizzle](http://money.cnn.com/2017/03/28/technology/house-internet-privacy-repeal/index.html). Probably because Google and Facebook also need to data rape people to support their business models."


You should consult a US CPA to ensure your situation is handled correctly. It appears, the money is Israel source income and not US source income regardless if you receive it while living in the U.S. If you file the correct form, I suspect the form is 1040NR and your state form to disclose your income, if any, in 2015 and 2016, it should not be a problem. Having said that, if you do earn any type of income while in the U.S. , you are required to disclose it to both the IRS and state.


This isn't a joke. Tons of people in sales and trading used it. Fuck Bloomberg chat. The joke for bchat was the bell. This is how Goldman got in trouble for calling people muppets. I nearly shit myself when that came out because I knew compliance would be looking through chats for the word and my group of friends called each muppets all the time. Weird convos with compliance happened shortly after when you had to have your buddy write an email to compliance saying it wasn't insulting to them.


I didn't say you can't do whatever you want, I say it's a waste to society. You and your friends spend your entire lives trying to beat each other at an imaginary game and you take home billions of dollars. That money comes from somewhere - namely all the other people who didn't make quite as much on each trade. How do you not see this?


There's something very important no one else has mentioned... times when the stock market falls dramatically are often the times when you're most likely to lose your job, and when it's hardest to get loans. So if you ever do need your emergency fund, it will more than likely be related to a dip in the stock market.


Pointing out that you do not understand the difference between Apples and oranges isn't moving goal posts; sorry that you struggle to prove your poorly, hastily made point before providing facts. Every single city that has laws on the books, but yet AirBnB still allows listings, is loaded with listings. Argue that moron.


The reason to have disability insurance is to replace your income if you become disabled and are no longer able to work. For this purpose, it is kind of similar to life insurance where you want to replace your income to take care of people that depend on your income if you die, but now you are included in the people that depend on your income. If your employer doesn't provide any disability insurance then it would be wise to look for some Long Term disability insurance. Short Term disability is more expensive than long term and it is USUALLY better and cheaper to have a good emergency fund to provide for a short term disability such as being sick for a month and not able to work than to buy short-term. As a web developer - you should be able to get long term disability insurance at a reasonable cost, unless you have some dangerous hobbies like forest fire fighting or shark juggling.


There has been a lot of research on the effects of stock splits. Some studies have concluded that: However note that (i) these are averages over large samples and does not say it will work on every split and (ii) most of the research is a bit dated and more recent papers have often struggled to find any significant performance impact after 1990, possibly because the effect has been well documented and the arbitrage no longer exists. This document summarises the existing research on the subject although it seems to miss some of the more recent papers. More practically, if you pay a commission per share, you will pay more commissions after the split than before. Bottom line: don't overthink it and focus on other criteria to decide when/whether to invest.


"Why will they find financing when they leave the Euro? Why would their currencies not simply hyperinflate due to excessive issuance in an attempt to devalue? Which is worse for unemployment, austerity or hyperinflation? >they'd be expelled by Germany This is a union correct? Why do you assume Germany holds all the cards? I've read that Gonzalo Lira essay and have read Mish about everyday since 2009, yet still do not think it is so obvious that the Euro will collapse. I gained quite a bit of skepticism from Barry Eichengreen's paper on the [Breakup of the Euro Area.](http://www.nber.org/papers/c11654.pdf?new_window=1) What I see right now is that so far the ECB has only acted in such a way as to prevent outright deflation and meet its 2% inflation target, but not to continuously outright fund the profligate governments. They let the bond markets force those governments into contraction or into default whereas the fed, with its dual mandate, will always buy the US bonds and eventually will inflate the currency as opposed to having a sovereign default. So I think we will see the ECB continue to print as much is needed to meet its mandate but at the same time there will be defaults, bank nationalizations and failures, and a continued lack of growth in the Euro area until eventually the austerity measures bring revenue and spending in line at which point the countries under heavy debt would be stupid not to default because they can self finance. Whereas in the US we are so dependent on deficit financing that as foreigners move further away from holding treasuries we become more susceptible to bond vigilantes taking the reigns which will force the feds hand into outright monetization. Then I think we will see our own government exacerbate inflation by bidding on the same goods that those dollars which no longer are going into treasuries are bidding on. Then I think we'll finally see bad inflation in the US. Of course as long as there is hoards of money fleeing Europe for the US ""safe haven,"" the lack of foreign treasury investment is pretty moot. *spelling"


">A lot of countries with harsher rules and higher taxes have lots of big companies that makes massive profits. Often with price protection mandates. Did you know in Germany the same Jeans they sell in Wal-mart for $18/pair sell for $80-100/pair? Do you know why? The government set's MSRP price controls and no one can sell below that amount. The same is true for all sorts of products. Do we really want to go down that path? >I have no sympathy for this man. Compete or die. That's a bit unfair when you don't know the intimate details of the accounting/liabilities any changes would cost. But surely we could use a few hundred more ""for lease"" warehouse space and a few thousand more empty storefronts, right? >Obama wont change much that he already hasn't. How much do you think it costs employers to keep 26 year old adult children on their parents healthcare + them living at home? That's ONE example. Obama is also looking at mandating higher employer medical insurance costs in general (employers having to pay a higher percentage of the costs). If somebody can avoid that by cutting payrolls or becoming ""more efficent"" with the number of employees they will do it. This is true for ANY company. >This is just a guy that in the past has bragged about his ability to affect the florida vote trying to affect it again. And? People brag all the time, about all sorts of things. Personally I think this is less ""slimey"" than Obama gloating about killing Osama Bin laden as if death is cheap because an individual is an outsider or another religion. >Slimy bastard. Again, you don't know all the details or the guy personally. But it's nice to know you're reserved and mature about somebody you don't even know. From your name should I assume you like Croc shoes? Which are lame and thus making you a loser? Superficial assumptions and judgements help nobody and in many cases are not even true."


They get insurance when they believe that the cost of replacing the boat does impact their lives. We are also assuming that liability insurance is something you will purchase, since if your boat breaks loose and smashes into a $1,000,000 boat that is cash you probably don't have. It will also cover you if somebody falls on the boat. In your comment you mention that the cost will be $2,000 for 4 years. The issue is are you willing to save $2,000 by foregoing insurance but risk the $10,000 boat.


Well guys and gals Melania is getting fucked and it ain't by Trump and I need you to know That I am the one who Told you so!!! Could be the hot security guy . .could be the secretary of state . .could be Putin . .but you can rest assured . . . .that pootie getting tanged and it ain't by the orange toad. Why? you ask!!! 1. Rebel dressing . .she is telling the Toad . .she don't give a fuck, because she can embarrass him . . . .so shut the fuck up and take it. 2. You see the death grip on her hand . .he wants to hurt her and is warning her by crushing her hand . . to behave . .see her other hand . .its relaxed as if caressing a .penis . . .and it aint his . .she is in control and she knows she can make a complete ass of him in front of the world. What has pussy got to do with the economy . . .? Ha ha ha . .you aint made money yet . . . .huh?


"Gold may have some ""intrinsic value"" but it cannot be accurately determined by investors by any known valuation techniques. In fact, if you were to apply the dividend discount model of John Burr Williams - a variation of which is the basis of Discounted Cash Flow (DCF) analysis and the basis of most valuation techniques - gold would have zero intrinsic value because it produces no cash flow. Legendary focus investor Warren Buffett argues that investing in gold is pure speculation because of the reason mentioned above. As others have mentioned, gold prices are affected by supply and demand, but the bigger influence on the price of gold is how the economy is. Gold is seen as a store of value because, according to some, it does not ""lose value"" unlike paper currency during inflation. In inflationary times, demand increases so gold prices do go up, which is why gold behaves similar to a commodity but has far less uses. It is difficult to argue whether or not gold gains or loses value because we can't determine the intrinsic value of gold, and anyone who attempts to justify any given price is pulling blinders over your eyes. It is indisputable that, over history, gold represents wealth and that in the past century and the last decade, gold prices rise in inflationary conditions as people dump dollars for gold, and it has fallen when the purchasing power of currency increases. Many investors have talked about a ""gold bubble"" by arguing that gold prices are inflated because of inflation and the Fed's money policy and that once interest rates rise, the money supply will contract and gold will fall, but again, nobody can say with any reasonable accuracy what the fair value of gold at any given point is. This article on seeking alpha: http://seekingalpha.com/article/112794-the-intrinsic-value-of-gold gives a quick overview, but it is also vague because gold can't be accurately priced. I wouldn't say that gold has zero intrinsic value because gold is not a business so traditional models are inappropriate, but I would say that gold *certainly * doesn't have a value of $1,500 and it's propped so high only because of investor expectation. In conclusion, I do not believe you can accurately state whether gold is undervalued or overvalued - you must make judgments based on what you think about the future of the market and of monetary policy, but there are too many variables to be accurate consistently."


Students at college employed by the college are exempt from the FICA taxes (Social Security and Medicare). You are not exempt from federal and state income taxes, but if you are a part time employee making a small amount of money, you probably aren't projected to be paid enough between now and the end of the year to trigger the withholding. If you are concerned that your tax burden for the year will require you to send in money at tax time next year, you can estimate what your taxes will be, and if you determine that you will owe too much, you can fill out a new W-4 form with your HR department and request that additional tax be withheld.


Iceland had slaves during their 'libertarian' period, so I don't particularly care to look to them as a cultural example. Don't know much about the libertarian societies in Ireland. I also don't romanticize Native American societies, either, which, on their smaller scale, had their own problems and violence. Also, I qualified examples with my last sentence, saying we haven't seen it work on a large scale yet, which, with a population in the billions, is the order of the day for now. >All this to say: Somolia isn't a valid argument against libertarianism. :) True enough. I just like to poke the sleeping bear sometimes, because honestly, I don't much respect anarcho capitalists, much in the same way I don't respect hardcore communists: it sounds great in theory, in reality it doesn't seem to work well when the rubber meets the road.


Yes of course. I'll come to your house tomorrow with 8 armed friends and then we'll decide wether or not we will redistribute your wealth among us. Don't worry, you will get a vote as well so it will be democratically justified. Sounds good? The social contract you're referring to only applies for services that protect you from violent interference by other individuals (e.g. Police, courts, military) and only as long as everyone contributes an equal share and gets an equal withdrawal. Redistribution of wealth IS violent interference by other individuals. The state is made a tool of the violent mob. If you're going to use the social contract in order to justify redistribution of wealth, make sure you attach a generator to Jean-Jaques Rousseau's corpse first. I'm certain he will spin in his grave.


It matters to taxpayers and this country because the Federal Reserve's obligations are guaranteed by them. Taxpayers don't support fully covering Wall Street's bad bets from the Financial Crisis, which is precisely what QE and current monetary policy are aimed at doing.


First, you should diversify your portfolio. If your entire portfolio is in the Roth IRA, then you should eventually diversify that. However, if you have an IRA and a 401k, then it's perfectly fine for the IRA to be in a single fund. For example, I used my IRA to buy a riskier REIT that my 401k doesn't support. Second, if you only have a small amount currently invested, e.g. $5500, it may make sense to put everything in a single fund until you have enough to get past the low balance fees. It's not uncommon for funds to charge lower fees to someone who has $8000, $10,000, or $12,000 invested. Note that if you deposit $10,000 and the fund loses money, they'll usually charge you the rate for less than $10,000. So try to exceed the minimum with a decent cushion. A balanced fund may make sense as a first fund. That way they handle the diversification for you. A targeted fund is a special kind of balanced fund that changes the balance over time. Some have reported that targeted funds charge higher fees. Commissions on those higher fees may explain why your bank wants you to buy. I personally don't like the asset mixes that I've seen from targeted funds. They often change the stock/bond ratio, which is not really correct. The stock/bond ratio should stay the same. It's the securities (stocks and bonds) to monetary equivalents that should change, and that only starting five to ten years before retirement. Prior to that the only reason to put money into monetary equivalents is to provide time to pick the right securities fund. Retirees should maintain about a five year cushion in monetary equivalents so as not to be forced to sell into a bad market. Long term, I'd prefer low-load index funds. A bond fund and two or three stock funds. You might want to build your balance first though. It doesn't really make sense to have a separate fund until you have enough money to get the best fees. 70-75% stocks and 25-30% bonds (should add to 100%, e.g. 73% and 27%). Balance annually when you make your new deposit.


If you want to use that money and maybe don't have the time to wait a few years if things should go bad, than you will definitely want to hold a good bunch of your money in the currency you buy most stuff with (so in most cases the currency of the country you live in) even if it is more volatile.


There are several insurance products that I buy for legal reasons: Both of these protect me from lawsuits and fines. Many people buy similar products to protect their business operations. (e.g. medical malpractice insurance) There are some insurance products I buy for tax planning and financial planning purposes: I have a large amount of savings available, so I have several tricks to reduce my insurance costs, and I have several products that I avoid. Several of these reasons are mentioned in other answers, but I thought I would collect them into a single answer to demonstrate that there are reasons other than the rational calculation of what the payout will be for the insurance products vs. the premium paid. If I gain access to a tax advantaged Health savings account, that is a bigger benefit to me than avoiding the premium, especially when my employer is paying the majority of the premium. Perhaps it makes no sense to buy insurance given sufficient savings (like the products I listed that make no sense for me given my finances) but not everyone can self-insure; it does require a certain level of wealth.


The measure of change of value of a currency in relation to itself is inflation (or deflation).


>In this trial, U.S. District Judge Lawrence K. Karlton, over the government’s strenuous objection, allowed testimony meant to show that the lenders in the two transactions at issue – Aegis Wholesale Corp. and Greenpoint Mortgage Funding – didn’t care whether information on the applications was true or false. >Under those circumstances, the defense argued, the information was not material because, either way, the loan would have been approved. [...] >William Black, who boasts long academic and regulatory careers, was a key expert witness for the defense, again over Coppola’s objection. Black is an associate professor of economics and law at the University of Missouri, Kansas City, and the “distinguished scholar in residence for financial regulation” at the University of Minnesota’s School of Law. >His testimony purportedly connected the fraud in the Sacramento case directly to the lenders, and he explained to the jury why the false information on the applications had no bearing on lending decisions. >“This is the first time that the overwhelming fraud at the banks has been discussed in a criminal courtroom by the person with the greatest expertise on the issue, William Black,” said defense lawyer Toni White after the verdict. >“Prosecutors have refused to criminally prosecute the elite bankers responsible for the mortgage crisis that decimated our economy. The jurors heard shocking testimony from ‘control fraud’ expert William Black that regular people who got loans they were unable to pay back did not (defraud) the banks. The elite bankers commit the fraud while prosecutors look the other way and prosecute the wrong people.”


If the $5000 is income, then you need to pay income taxes on it. That's simply the way it works. Hourly rate has nothing to do with whether or not you pay taxes. If it helps, try to think of the $5000 as the first $5000 you make for the year. Now it's covered by your standard deduction and you're not paying taxes on it.


They've already taken your money, and your purchasing power. The Fed's balance sheets is filled with $4 trillion worth of toxic mortgage derivatives and US treasuries that were purchased at all time highs. Move your money to a credit union.


>But productivity should increase likewise driving prices down by the same amount It does as long as labor shifts from fields that are now in less demand (say, assembly line manufacturing) to fields that are now in more demand (say, creating machines to operate said assembly lines). If labor doesn't do that, though...well, wages of people who want to make things on assembly lines fall, as the market steadily increases incentives to shift and disincentives to stay.


Taxability depends on your tax residency status. Assuming you are non-resident Indian for tax purposes, then your income is non taxable in India. If you keep the money in Saudi or transfer to India it would be same and non taxable


"Right. There are laws about this stuff though. It's been hard for advertisers to ensure that their paid placements are properly identified. I can tell you as a marketer that has worked with influencers, I want them to do it the right/legal way. ""Subtlety"" might sound nice, but if it means fines from the FTC, I'd prefer a clear label. I also love that it gives me visibility to the stats for the post without relying on the influencer to report (who could inflate their numbers to me to get future business)"


"NASDAQ has Pre and After market : NASDAQ Trading Schedule Regular Trading Session Schedule The NASDAQ Stock Market Trading Sessions (Eastern Time) Pre-Market Trading Hours from 4:00 a.m. to 9:30 a.m. Market Hours from 9:30 a.m. to 4:00 p.m. After-Market Hours from 4:00 p.m. to 8:00 p.m. Quote and order-entry from 4:00 a.m. to 8:00 p.m. Quotes are open and firm from 4:00 a.m. to 8:00 p.m. You can trade in Pre/After Market but liquidity is very low. If an ""unexpected world events"" occurs, the volume/liquidity will most certainly increase. Another example is the Forex Market that's open 24/7 around the world. As one major forex market closes, another one opens. According to GMT, for instance, forex trading hours move around the world like this: available in New York between 01:00 pm – 10:00 pm GMT; at 10:00 pm GMT Sydney comes online; Tokyo opens at 00:00 am and closes at 9:00 am GMT; and to complete the loop, London opens at 8:00 am and closes at 05:00 pm GMT. This enables traders and brokers worldwide, together with the participation of the central banks from all continents, to trade online 24 hours a day. src"


They still won't reflect reality. Might be marginally better, but people inherently use optimistic assumptions when evaluating acquisitions. The cost savings numbers are always overstated. Synergies tend to be bullshit. Revenue growth always slows. Margins are optimistic. The fact is the person getting fucked in this - the shareholder - doesn't really have a seat at the table. And all the true decision makers want the deal. The CEO wants the deal. The bankers want the deal. The Corp Dev team wants the deal as well - they need to justify their existence, and if they always say no they will be painted as overly negative by a deal horny CEO. And in the end the Board almost always listens to the CEO


I'll add a little to the already great advice here. It certainly sounds like you are in need of consolidation here. Having 11 different cards vying for your attention sounds like a nightmare to manage. I also concur that it is a bad idea to cash out your retirement accounts to deal with this. I know it's frustrating to have the debt hanging over your head (I have student loans I'm personally working on) but getting a loan to consolidate that level of noise sounds like a much smarter move that can help greatly if you have high interest cards (most likely the case here). Since you mentioned that you are not interested in selling the house, have you considered a home equity loan to consolidate this? Best of luck to you.


I think there are a few facets to this, namely: Overall, I wouldn't concentrate on paying off the house if I didn't have any other money parked and invested, but I'd still try to get rid of the mortgage ASAP as it'll give you more money that you can invest, too. At the end of the day, if you save out paying $20k in interest, that's almost $20k you can invest. Yes, I realise there's a time component to this as well and you might well get a better return overall if you invested the $20k now that in 5 years' time. But I'd still rather pay off the house.


You are going to have to talk to your benefits office to understand all the deadlines and rules for their program. While the IRS does enforce the law, there are enough local variations in the rules to make it quite complex. The first thing you need to know is the source of the funds: the employer or the employee. Then you need to know the deadline for applying for the program, how you specify the monthly expenses in advance, and when the funds expire. The way you pay for commuting and parking makes a difference: per-ride on the subway, van pool, monthly transit pass; daily parking at a lot, monthly hang tag, or at meter; These options determine how to expend the funds and how they give you the funds. You can't get money for missed months. So you need to know what you have to do in October to get money for November.


If there are no dependents, there is no need for life insurance. You mention getting insurance when it is not needed, to protect you against some future risk. If you have a policy and a disease crops up that would normally make you un-insurable, you can keep your insurance for the rest of the term. The cost for this would be very high. You would have to have a term that would last decades to cover you until some future child is out of college. If you never have somebody that depends on you for income, there never is a need for life insurance.


"A good measurement would be to compare to index's. Basically a good way to measure your self would be to ask ""If I put my money somewhere else how much better or worse would I have done?"" Mutual funds and Hedge funds use the SP500 as a bench mark. Some funds actually wave their fee if they do not outperform the SP or only take a fee on the portion that has outperformed the SP500. in today's economy i dont know how to expect such a return The economy is not a good benchmark on what to expect from the stock market. For example in 2009 by certain standards the economy was worse then today but in 2009 the market rallied a great deal so your returns should have reflected that. You can use the SP500 as a quick reference to compare your returns (this is also considered the ""standard"" for a quick comparison). The way you compare your performance is also dependent on how you invest your money. If you are outperforming the SP500 you are doing well. Many mutual funds DO NOT outperform the SP500. Edit Additional Info: Here is an article with more comprehensive information on how to gauge your performance. In the article is a link to a free tool from morning star. Use the Right Benchmark to Accurately Measure Investment Performance"


">The Brokaw Act is named after the central Wisconsin Village of Brokaw, which effectively went bankrupt after Starboard Value, a New York hedge fund, acquired the Wausau Paper company. The action preceded the closure of the company’s Brokaw mill in 2012, which left about 450 people unemployed. > > >""Everyone lost their jobs,"" Baldwin, D-Wisconsin, said. ""The community of Brokaw became insolvent in large part because of upgrades to its infrastructure for the paper mill, and when it closed, they were left with the debt, and no major employer still left in town."" > > >The Brokaw Act would give companies more time to react when hedge funds try to take them over. > > >The regulations would shorten the 10-day disclosure window for takeover attempts to four days. They would protect businesses from what Baldwin calls ""hedge fund wolf packs,"" by identifying funds that are working together to acquire a company. They would require derivative disclosure to prevent investors from **profiting by secretly voting against the company's interests.** holy crap. this is disturbing. how common is this kind of hedge fund behavior?"


Yes, you often can buy stocks directly from the company at little or no transaction cost. Many companies have either a Dividend Reinvestment Plan (DRIP) or a Direct Stock Plan (DSP). With these plans, you purchase shares directly from the company (although, often there is a third party transfer agent that handles the transaction), and the stock is issued in your name. This differs from purchasing stock from a broker, where the stock normally remains in the name of the broker. Generally, in order to begin participating in a DRIP, you need to already be a registered stockholder. This means that you need to purchase your first share of stock outside of the DRIP, and get it in your name. After that, you can register with the DRIP and purchase additional shares directly from the company. If the company has a DSP, you can begin purchasing shares directly without first being a stockholder. With the advent of discount brokers, DRIPs do not save as much money for regular investors as they once did. However, they can still sometimes save money for someone who wants to purchase shares on a regular basis over even a discount broker. If you are interested in DRIPs and DSPs and want to learn more, there is an informative website at dripinvesting.org that has lots of information on which DRIPs are available and how to get started.


To answer some parts of the question which are answerable as-is: Yes, mortgage interest is deductible. So is depreciation. See this question and others. It would be a good idea to put some money away for tax season, just as you should save some money to cover unexpected property expenses. But as @JoeTaxpayer says, this is a good problem to have, assuming you own the property, it's low-maintenance, your tenant is good, and your rent is at market levels.


Being a trades and manufacturing based economy didn't hurt us too badly on the innovation department for the last 100 years or so. We vastly generalize the value of a college education in this country, and people end up going for the sake of going because that's what they were told to do. If we moved away from that, we wouldn't lose any innovation really because the people who are going to innovate while tapping into a foundation of higher education are going to go that route anyway. We just wouldn't have a large portion of the population playing beer pong for 4 years at Western State A&M when they could be more productive elsewhere.


"How does adding a revenue stream from the most profitable and widely penetrated products in existence read to you as ""shooting blind""? Do you have any idea what interest rates on a card like this are? If you've ever worked retail, you know that credit card sign ups are a key metric nearly every employee is judged by"


As we know location and connectivity plays a very important role in deciding the place you want to work from. Demand of ready to move office spaces in Noida is increasing day by day. The Metro rail extension or emergence in Noida has a huge impact on increasing the demand of ready to move office space in Noida.


"This is the best tl;dr I could make, [original](http://fortune.com/2017/08/01/bitcoins-new-currency-trades-above-200-on-first-day/) reduced by 76%. (I'm a bot) ***** > This means many bitcoin owners using Coinbase, all of are entitled to receive Bitcoin Cash at a one-to-one ratio, are seeing their new &quot;Cash&quot; sit in a sort of limbo. > A source close to Coinbase, who asked to speak anonymously, also told Fortune that a new currency like Bitcoin Cash is akin to a new product, and it can be time-consuming and expensive to create secure infrastructure to trade it. > The Bitcoin Cash fork came about after a group of miners, who are responsible for recording bitcoin transaction records, decided to implement a new version of the software that governs the bitcoin blockchain. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6r602t/bitcoins_new_currency_trades_above_200_on_first/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~181542 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*: **Bitcoin**^#1 **Cash**^#2 **new**^#3 **currency**^#4 **Coinbase**^#5"


"You'd be mistaken to this there is any morality involved in (most) corporations - neither positive nor negative; running a business is amoral. Some business missions have a moral intent - such as pharmaceuticals, health organization, etc. - but all have an amoral underbelly. It's fairly simplistic - the purpose of a business is to produce a profit. At some point, all successful, well functioning businesses will work down their list of ways to produce a profit - after they've established market share, a lasting brand, customer loyalty, finances well in the black - and eventually look towards capital preservation. In most bodies with a large monetary wealth, capital preservation becomes a key focus (in other words, once you master the art of making money, you then need to master the art of keeping it). Thus the ability to then focus on these things. To continue to just pay taxes is like running an efficient, but leaky ship. The more you preserve, the longer you'll be around and the more power you'll yield to stick around. This last point is also important to keep in mind - unlike you or I - a company will basically last forever (well at least until society collapses). You or I are only here until we die - and whatever wealth we have we may try to preserve for our kids or next of kin. A corporation is always here, the people in the corporation & it's owners change hands, but the corporation survives. Frankly any business that isn't aiming to make a profit, is either going to fail quickly or is by definition a ""non-profit"". Here is where I would believe the government plays a balancing role - to reign in the power of corporations (lest they rival their own). But, any good corporation will handle that problem as well (Regulatory capture, anyone?). Also, consider that for the most wealthy among us, it's probably not about the money anymore. It's now probably about the game. This is certainly where the psychopaths get that manic edge on the rest of us."


A Roth IRA is intended for retirement. Before age 59.5 (I think), you can only withdraw the amount you deposited without penalty. It's great you're saving in a Roth, but you shouldn't put savings in there that you will need before you reach sufficient age. And since it's long-term, you can invest in things you expect to grow over the long term, like equities. You should keep emergency funds either in federally insured, extremely liquid accounts (bank savings) or money market funds (which aren't insured, but are close enough to zero-risk). Yes, the interest rates are terrible right now. But anything else would potentially leave you with insufficient funds in the event of, you know, an emergency.


"> would rather get a Five Guys burger ""than eat something gross"" TBell gets a bad wrap for being garbage or terrible, but it's good and even better for someone on a budget. Granted it also depends on your location/store you go to, cause the people working there can make decent food terrible just from presentation and what not. I love TBell, it'll continue to be a regular place to visit when I'm starving at 1am, especially over MickyD's."


Can a company not bargain with a dying company for example and buy a falling stock at lower than market value? Of course. If the shareholders agree to it. But why would they, if the market value is higher, agree to sell to someone who offers less? If there's a compelling reason - it can happen. It might happen during a hostile takeover, for example. In the case of buying the company for more than market value, are the stocks bought for significantly more, or slightly more than the current market value? Again, depends on how valuable the shareholders think the company is. If the shareholders think that the company has a potential which has not yet affected the stock price, they'll want a higher premium (and they'd think that, otherwise why would they hold the stock?). How much higher? Depends on the bargaining abilities of the sides.


Besides all of the other answers, I will point out that many people simply don't have enough cash sitting around to buy a home outright. It would take many years (or even decades) for the average family to accumulate the necessary cash. Also, while you are pinching your pennies for years in an attempt to save up for your dream house, remember that inflation is steadily driving up the cost of goods and services. A house that costs $200K today could cost $230K in 5 years due to inflation.


How accounting heavy was his economics degree? I majored in economics as well and my program did not require any accounting or excel work, which naturally made things very difficult when trying to cross over to finance. Its obviously possible, but if he is weak in these areas that is definitely something he should focus on. If you don't know accounting you are basically dead in the water the longer you wait.


Its very silly of you to have house savings while you have these debts. Your total (listed) debt is 1657, with a savings of 2000, and a tax refund of 985. I'd be done with the Apple loan and CC tomorrow. Does that accomplish the goal of making a significant difference in your debt? Yes it does. This will leave you with 1328. I'd keep 500 or so in an emergency fund, and put the rest to the car. Although 828 will not help much with the car it would probably knock a month off. Next work like crazy to pay off the car. Get a second job or work overtime. Then save a emergency fund of 3 to 6 months of expenses as if you already owned the house. I would tend to go on the high side as I suspect you are single. Only then does it makes sense to save for a down payment. Although it is an American institution, the book The Millionaire Next Door might be helpful for you. Your most powerful wealth building tool is your income. When one handicaps that tool with payments and exorbitant lifestyle choices you greatly reduce your ability to become wealthy. These amounts are so small, you should just knock them out.


In the case of reward cards, different cards may offer different rewards for different kind of purchases. For example, in the UK, one of the Amex cards offers 1.25% cashback on all purchases, whereas one of the Santander cards offers 3% on fuel, 2% or 1% on certain other transactions, and nothing on others. Of course, you then have to remember to use the right card! Another reason is that a person may use a card for a while, build up a good credit limit, and then move to a different card (perhaps because it has better rewards, or a lower interest rate, etc) without cancelling the first. If it costs nothing to keep the first card, then it can be useful to have it as a spare.


The reports of my death have been greatly exaggerated. - Twain I use index funds in my retirement planning, but don't stick to just S&P 500 index funds. Suppose I balance my money 50/50 between Small Cap and Large Cap and say I have $10,000. I'd buy $5,000 of an S&P Index fund and $5,000 of a Russell 2000 index fund. Now, fast forward a year. Suppose the S&P Index fund has $4900 and the Russell Index fund has $5200. Sell $150 of Russell Index Fund and buy $150 of S&P 500 Index funds to balance. Repeat that activity every 12-18 months. This lets you be hands off (index fund-style) on your investment choices but still take advantage of great markets. This way, I can still rebalance to sell high and buy low, but I'm not stressing about an individual stock or mutual fund choice. You can repeat this model with more categories, I chose two for the simplicity of explaining.


I'm a huge believer in daily meditation. Doesn't need to be long, 10 minutes a day will get you a long way with it. This isn't a spiritual thing, it's a practical thing - there's a lot of peer reviewed research into the benefits of meditation.


Ponte Vedra Real Estate offers some of the most prestigious and scenic golf course communities which include Sawgrass Country Club, Sawgrass Players Club, The Valley Course, Marsh Landing, Palencia and The Plantation Club. we were presented with a rare opportunity to affiliate with the world’s most respected brand—Berkshire Hathaway HomeServcies.


I used to work for large retailers doing merchandising software and have some contacts within Infor, the company doing Whole Foods' new merchandising software. According to what I was told, Whole Food's doesn't track inventory at the chain, head quarter level. Infor was at some point actually building their entire offering using Whole Foods as a base. Building transfers was to be challenging as they don't have the an actual dataset to do so. They do have some very experienced people. I will say this information is about 1 - 1 1/2 year old. At any rate, if indeed Whole Foods doesn't track inventory at the corporate/chain level then I can see Amazon's delivery plan taking some time until they get their supply chain under control for e-commerce.


it’s the mission of our highly-trained staff to assist you in making informed choices to meet your medical marijuana needs. We offer a wide range of cannabis strains and products in a clean, safe environment. To provide comfort, aid in healing and to put you on the road to wellness. We also provide strains for recreational use, as clients with and without a medical marijuana card are welcomed. BEST WEED SHOP is committed to providing our patients with the highest quality products and services available in the industry. From the moment you arrive at our facility or our website, you will feel secure and welcomed at every step or click. From our storefront, to our staff and our medicinal products, BEST WEED SHOP provides the highest safety standards in the industry. Our client service is indeed up to standards as they are available 24/7 to answer your inquires, every page and information exchanged is also guarded by firewall. Upon your visit at our shop, you will be welcomed by our knowledgeable staff and the security team will ensure your peace of mind. The entire facility is designed to provide a secure experience for our patients and our staff. Our mission is three-fold – healing, education and discovery. The BEST WEED SHOP team is trained to provide you with a seamless experience from start to finish. We have trained medical marijuana staff, on-site, ready to provide you with the safest medicinal options according to your diagnosis and symptoms. Scientific research now confirms what caregivers have known for years – often medical cannabis is an effective, safe treatment.


Is your argument that a company should be responsible for paying an employee enough to support whatever lifestyle that employee chooses? Because that's definitely what it sounds like you're arguing for. The minimum wage should be exactly $0. If you don't have the skills to earn enough to support yourself, then you need better skills not laws forcing someone to pay you more money.


>Could you have transfered millions of dollars worth of tulips around the world in minutes, securely and for pennies on the dollar? The only reason that is more complicated with dollars has to do with our underlying financial infrastructure. It has little to do with any real technological problems. >Authorities don't get say whether Bitcoin is *allowed* to exist or not. Why not? Criminal court cases have already found Bitcoin as something akin to a commodity. There is no reason someone in government can't regulate or outright ban it the way China did. And as the head of a major bank Dimon is in an excellent position to manipulate the value of Bitcoin and destroy it if he chose to do so. >Why would Bitcoin be better for *only* those things? Bitcoin has not done anything other than be a commodity people purchase as an investment. It's ballooned too high on value to be useful for cash transctions for any normal person.


The three places you want to focus on are the income statement, the balance sheet, and cash flow statement. The standard measure for multiple of income is the P/E or price earnings ratio For the balance sheet, the debt to equity or debt to capital (debt+equity) ratio. For cash generation, price to cash flow, or price to free cash flow. (The lower the better, all other things being equal, for all three ratios.)


Your goal of wanting to eliminate your debts early is great. Generally, you can save more money by paying off loans with higher interest rates first. However, it sounds like you are excited about the idea of eliminating one of your car loans in two months. There is nothing wrong with that; it is good to be excited about eliminating debt. I like your plan. Pay off the $14.6k loan first, then apply the $635 monthly payment to the $19.4k loan. You'll have that loan paid off almost 3 years early. Perhaps you'll find some additional money to apply to it and get rid of it even earlier. After you've eliminated both car loans, save up that $1000/month for your next car. That will allow you to pay cash for it, which will allow you to negotiate the best price and save interest. 0% loans are not free money. Other answers will tell you to wait as long as possible to pay off your 0% loan, but I think there can be good reasons to eliminate smaller loans first, regardless of interest.


I think many of you are making unrelated comments and taking unjustified conclusions from the news, without reading the research. Many of the mentioned share provisions are not exclusive to Silicon Valley, technology firms, or the rest of Private Equity (i.e. ex-VC). The paper says: >These generous terms are not necessarily evidence of active post-money valuation manipulation and could simply be due to a difficult fund raising environment. And: >Importantly, our discussion does not imply that these terms were given for the purpose of manipulating SpaceX’s value. That is not to say that I am not skeptical of many of the business models and valuations of the companies in the sample, but that is off the research topic. What the authors suggests is that valuation is often miscalculated by many people in the industry, and provides some relevant cases: from mutual funds who market those shares at the value of the most recent funding round, regardless of share provisions; to employees that wrongly perceive their wealth. I have some trouble accepting Brownian Motion to model exit prices (or pretty much anything else), it seems a bit off from reality, but nevertheless I think the paper is worth the read.


It appears all you have to do is submit a form. It might be better if she submitted it herself instead of you doing it on her behalf. All natural persons (individuals) and non-natural persons (businesses) are entitled to access and inspect the data held on record about them in the Central Credit Information System (KHR).


"As /u/Im_In_You replied, you need a lot more capital if you're going to make a difference in your personal finances. Remember to only invest the money that you can risk losing; don't put your emergency savings in the stock market. As for success, I replied with this to a snarky poster above: >I started investing with $15,000 in 2009, my first trade being to buy Ford around $2 before the other two got bailed out. That single trade put me in the six figures. I've followed that up with equally successful trades such as shorting Netflix when they announced their new pricing plan, buying Tesla when they first started selling the Model S, etc. So yeah, even benchmarked against the 2009 bottom of the S&P500, I've had ""success."" Although the professionals have access to far more information than I ever will, there is something to be said for being able to predict major trends. After all, the stock will either go up or down. Even with all the data in the world, your only options are to either go long or short. You have a 50-50 chance of beating the hedge fund crowd. Admittedly, very few people will have the same returns I've had over the past ~5 years."


It's not like most of the people working there will care if Obama loses his job. The chief position of a government agency, who is selected by POTUS, often isn't a person liked by the rest of the agency and they couldn't care less if he was changed in 2013. For example in the CIA the Director was always chosen by the President, and thusly the rest of the CIA usually don't fully respect them since they are just some random person from outside the Agency who was put into power for political reasons. They don't like the Director and likewise don't care if POTUS changes and the Director gets fired by the new guy. My point is that entire government agencies are not lying and cheating just to keep Obama in office. Just because the Director was appointed by Obama doesn't mean the entire organization will lie to help Obama. I mean what if Romney gets elected? Will the entire agency and it's hundreds/thousands of employees now immediately do a 180 and lie and cheat to keep Romney in power? The same workers that were doing illegal things to help Obama and now going to on a whim break laws to help Romney? These agencies are not machines, they are made of hundreds of real people, each with their own polical views. Just because Obama chose the Director doesn't mean all those people are now his slaves willing to lie and cheat to help him. What's to stop one of them from leaking the story to the media? I would think there has to be at least one Republican working there. If the Director told everyone that this quarter they were all going to lie to help Obama stay in power, pretty sure any Republicans in the agency would leak that to the media. If that story got out Obama would be impeached. No way the entire agency would go forward with a lie to help Obama.


"Would you run a marathon with ankle weights on? It starts off as ankle weights, but then grows into a ball and chain as you dig yourself a little deeper each time you use your credit card (and then don't payoff the balance because ""something more important came up""). I would love for my wife to be able to be home and raise our son, but we simply can't afford to do that with the amount of debt we have. We are clawing our way out, and will pay off one student loan and a car loan, then start saving for a house and once we have that, we'll get back to debt reduction. Get debt free. That's where we are headed. Most of it is student loans at this point, but debt will take away your freedom to do whatever you like down the line. It just increases your overhead in the long run."


You might like https://planwise.com/index.htm


"See Solid reading/literature for investment/retirement/income taxes? – not exactly the same question, but a great reading list for you. You are putting the cart before the horse here, first, you learn, then you invest. There's a large danger in confusing intelligent investing with ""fooling around"". The idea that you think you'd like to use derivatives without knowing how or why is a tough one. I suggest you go to Yahoo! Finance and set yourself up with a portfolio (click on the ""My Portfolios"" tab), in effect, creating your own simulated account. Assume you are starting with some reasonable amount of money, say $10,000, but not $1M, as part of real investing is to learn how to asset allocate the funds you have. Learning that way for a time is the smarter way to start. That said, individual stocks are not for everyone. Most investors can lead a successful investing life by using ETFs or mutual funds of one type or another. Learning to pick individual stocks can be a life's work, and if you put too little time into it, are likely to be disappointed. But learning by 'paper trading' can be a good learning experience nonetheless."


> It's been years since my finance classes, but it seems to me the best course of action after selling the property and paying corporate taxes would be to reinvest the money at the corporate level to then pay out dividends rather than pay each of the 3 shareholders out and have us then pay personal tax on a large amount. Full disclaimer, no one here is, or is acting in capacity as, a tax accountant or lawyer. My understanding is as follows (assuming you're in the US): 1. The C-Corp owns the property. If you sell the property, the *corporation* will receive the proceeds of that sale. IF a capital gain is recognized, *the corporation* will pay the appropriate tax rate. That rate is, apparently, the same as normal income. 2. If you then issue a dividend with the proceeds of that sale, you are actually NOT reinvesting the proceeds, you're distributing them to shareholders. Shareholders will *then* need to pay tax on the dividends at their personal rates *as income.* If you reinvest the cash, it will stay in the business. It will not go directly to shareholders. The cash will need to be invested somewhere else within the company. You will get hit with taxes regardless at least once. If you distribute to shareholders, those proceeds will be taxed twice. Example: Both Cases: Sale Proceeds: $100 Less Corporate Tax of 35%: $35 After-Tax Proceeds: $65 _______________________________________________________________ IF DISTRIBUTED: Distributed to Shareholders: $65 Less Income Taxes at 25%: $16.25 After-Tax Distribution to Shareholders: $48.75 ____________________________________________________________ IF RETAINED: No distributions. Retained Earnings: +$65 Cash: +$65 Book Value of Equity: +$65 Shareholder Wealth Increase: $65


Most important: Any gains you make from risking this sum of money over the next few years will not be life changing, but if you can't afford to lose it, then losses can be. Rhetorical question: How can you trust what I say you should do with your money? Answer: You can't. I'm happy to hear you're reading about the stock market, so please allow me to encourage you to keep learning. And broaden your target to investing, or even further, to financial planning. You may decide to pay down debt first. You may decide to hold cash since you need it within a couple years. Least important: I suggest a Roth IRA at any online discount brokerage whose fees to open an account plus 1 transaction fee are the lowest to get you into a broad-market index ETF or mutual fund.


If you need access to your data beyond the online availability, you download the transactions and manage the archive yourself. Six months to eighteen months is generally enough time for most people to manage their own archived data. Big banks have the power to store and retrieve all the data online. Unfortunately, the older records are not frequently accessed. Why have these records online when they will be rarely accessed? Backing up data will take longer. Queries to retrieve data will take longer. Everything will take longer just so you can have records that 99% of customers will never access.


"Anecodotal but par for the course for being in /all , my vegan buddy gets food from here often, probably the only fast food other than french fries. Order any item fresco style and they'll replace cheese and sauces with pico-digio. No meat, makes that vegan. It's also fairly easy to tell them what you want on your buritto "" bean burrito, fresco style, add black beans and rice"" $1.45"


Personal story here: I ended up at the Santa Monica hospital without insurance and left with a bill of $30k-$35k. They really helped me, so I felt like I had a duty to pay them. However, close inspection revealed ridiculous markups on some items which I would have disputed, but I noticed that I had been billed for a few thousands of services not rendered. I got very mad at them for this, they apologized, told me they'd fix it. I never heard back from them and they never put it in collection either. I'm assuming they (rightfully) got scared that I'd go to court and this would be bad publicity. Sometimes I feel guilty I didn't pay them anything, sometimes I feel like they tried to screw me.


Some check as part of a background investigation. Money problems can make it hard to establish a level of trust. If your credit is bad you might be easy to bribe. Or you might steal from the company. The level of importance will depend on the job you are applying for, or for the customer you will be working for. Government jobs or government contracts frequently require background checks. Jobs that will involve having access to high value items or money will also require a check.


I'll agree to that. They are definitely manipulations that end up with unintended consequences. Even the idea of tying stock to the CEO's salary was intended to make the CEO think long term, but what happened is that they figured out how to game the system. Which is unfortunate, especially since the employees end up taking the brunt of that. Need a stock boost? Lay off some people, buy back some stock or announce something.


Don Jrs email is evidence of attempted speech with a Russian provincial assistant district attorney with no central government ties. And again, there are no verifiable accounts that that speech represented any such conspiracy to commit any such crime. Nor is there any evidence that the Trump team was gearing up to use this information with no due diligence. In fact, internal emails released to the public point to the exact opposite mentality: https://www.washingtonpost.com/politics/trump-campaign-emails-show-aides-repeated-efforts-to-set-up-russia-meetings/2017/08/14/54d08da6-7dc2-11e7-83c7-5bd5460f0d7e_story.html > The adviser, George Papadopoulos, offered to set up “a meeting between us and the Russian leadership to discuss US-Russia ties under President Trump,” telling them his Russian contacts welcomed the opportunity, according to internal campaign emails read to The Washington Post. > The proposal sent a ripple of concern through campaign headquarters in Trump Tower. Campaign co-chairman Sam Clovis wrote that he thought NATO allies should be consulted before any plans were made. Another Trump adviser, retired Navy Rear Adm. Charles Kubic, cited legal concerns, including a possible violation of U.S. sanctions against Russia and of the Logan Act, which prohibits U.S. citizens from unauthorized negotiation with foreign governments. - > business dealings Bear in mind, these aren't records in any way contemporaneous or relevant in the slightest to the election or US politics in any way. There is no evidence, nor any tangible, concrete, vetifiable connection pushing the investigation in this direction. Just fee fees. https://www.bloomberg.com/news/articles/2017-07-20/mueller-is-said-to-expand-probe-to-trump-business-transactions > The U.S. special counsel investigating possible ties between the Donald Trump campaign and Russia in last year’s election is examining a broad range of transactions involving Trump’s businesses as well as those of his associates, according to a person familiar with the probe. > FBI investigators and others are looking at Russian purchases of apartments in Trump buildings, Trump’s involvement in a controversial SoHo development in New York with Russian associates, the **2013** Miss Universe pageant in Moscow and Trump’s sale of a Florida mansion to a Russian oligarch in **2008**, the person said. And make that 3 intelligence agencies, who made that report based on the report of a DNC surrogate owned and operated firm. No data, no hardware, nothing tangible was passed from the DNC, who refused all such requests from the proper authorities, to the justice department and the intelligence community besides the word of a DNC owned and opperated firm. http://www.slate.com/blogs/future_tense/2017/05/09/the_fbi_is_harder_to_trust_on_the_dnc_hack_because_it_relied_on_crowdstrike.html > The DNC maintains there’s a simple answer to this question: According to the group, the FBI never asked to see their servers. But FBI Director James Comey told the Senate Intelligence Committee back in January that the FBI did, in fact, issue “multiple requests at different levels” to the DNC to gain direct access to their computer systems and conduct their own forensic analysis. > Instead, whether because they were denied access or simply never asked for it, the FBI instead used the analysis of the DNC breach conducted by security firm CrowdStrike as the basis for its investigation. http://www.breitbart.com/big-government/2017/06/30/nyt-turns-out-17-intelligence-agencies-was-fake-news/ > Despite the mainstream media and the political left making constant referencefor months to the “17 intelligence agencies” agreeing on Russia’s actions during the campaign, this has repeatedly been debunked. The single released report on the matter from the American intelligence community was produced by only three intelligence agencies – the Central Intelligence Agency (CIA), the Federal Bureau of Investigation (FBI), and the National Security Agency (NSA). > Former Director of National Intelligence James Clapper confirmed in his testimony before the Senate Judiciary Committee that the “17 agencies” line was fake news. While there are 17 American intelligence agencies and none, to his knowledge, objected to the CIA/FBI/NSA report, none of the other 14 agencies have published any independent confirmation of its claims.


The advice given at this site is to get approved for a loan from your bank or credit union before visiting the dealer. That way you have one data point in hand. You know that your bank will loan w dollars at x rate for y months with a monthly payment of Z. You know what level you have to negotiate to in order to get a better deal from the dealer. The dealership you have visited has said Excludes tax, tag, registration and dealer fees. Must finance through Southeast Toyota Finance with approved credit. The first part is true. Most ads you will see exclude tax, tag, registration. Those amounts are set by the state or local government, and will be added by all dealers after the final price has been negotiated. They will be exactly the same if you make a deal with the dealer across the street. The phrase Must finance through company x is done because they want to make sure the interest and fees for the deal stay in the family. My fear is that the loan will also not be a great deal. They may have a higher rate, or longer term, or hit you with many fee and penalties if you want to pay it off early. Many dealers want to nudge you into financing with them, but the unwillingness to negotiate on price may mean that there is a short term pressure on the dealership to do more deals through Toyota finance. Of course the risk for them is that potential buyers just take their business a few miles down the road to somebody else. If they won't budge from the cash price, you probably want to pick another dealer. If the spread between the two was smaller, it is possible that the loan from your bank at the cash price might still save more money compared to the dealer loan at their quoted price. We can't tell exactly because we don't know the interest rates of the two offers. A couple of notes regarding other dealers. If you are willing to drive a little farther when buying the vehicle, you can still go to the closer dealer for warranty work. If you don't need a new car, you can sometimes find a deal on a car that is only a year or two old at a dealership that sells other types of cars. They got the used car as a trade-in.


Part III of form 8889 is applicable only if we have taken advantage of last month rule -had high deductible health plan (hdhp) on Dec 1 of the tax year. The advantage we get because of the rule is -we can contribute maximum amount to HSA for the tax year even though we had hdhp for just few months and not the entire tax year. Now there is one limitation to that advantage - we have to maintain 12 months of hdhp in the next year (after tax year). If we cannot maintain full 12 months of hdhp along with tax year's Dec 1 to Dec 31 hdhp then we fail glorious testing period. Such a failure would require us to pay taxes and penalty that we report on part III of 8889 form. These taxes and penalties are applied on last year's (tax year) contribution except dec month. Reference: http://www.hsaedge.com/2014/03/25/hsa-last-month-rule-and-testing-period-explained/


I will be messaging you on [**2021-06-15 14:54:56 UTC**](http://www.wolframalpha.com/input/?i=2021-06-15 14:54:56 UTC To Local Time) to remind you of [**this link.**](https://www.reddit.com/r/finance/comments/6cvvei/a_hedge_fund_manager_is_supporting_a_free_masters/dixuco3) [**CLICK THIS LINK**](http://np.reddit.com/message/compose/?to=RemindMeBot&subject=Reminder&message=[https://www.reddit.com/r/finance/comments/6cvvei/a_hedge_fund_manager_is_supporting_a_free_masters/dixuco3]%0A%0ARemindMe! 4 years ) to send a PM to also be reminded and to reduce spam. ^(Parent commenter can ) [^(delete this message to hide from others.)](http://np.reddit.com/message/compose/?to=RemindMeBot&subject=Delete Comment&message=Delete! dixvaea) _____ |[^(FAQs)](http://np.reddit.com/r/RemindMeBot/comments/24duzp/remindmebot_info/)|[^(Custom)](http://np.reddit.com/message/compose/?to=RemindMeBot&subject=Reminder&message=[LINK INSIDE SQUARE BRACKETS else default to FAQs]%0A%0ANOTE: Don't forget to add the time options after the command.%0A%0ARemindMe!)|[^(Your Reminders)](http://np.reddit.com/message/compose/?to=RemindMeBot&subject=List Of Reminders&message=MyReminders!)|[^(Feedback)](http://np.reddit.com/message/compose/?to=RemindMeBotWrangler&subject=Feedback)|[^(Code)](https://github.com/SIlver--/remindmebot-reddit)|[^(Browser Extensions)](https://np.reddit.com/r/RemindMeBot/comments/4kldad/remindmebot_extensions/) |-|-|-|-|-|-|


Put simply for me, having an 800g device which outperforms my older macbook pro, and therefore not needing to carry my heavy laptop, charger, and tablet into college or work. I could get a Macbook Air, but then i'd still want my tablet. I could get an iPad but then i'd still need my laptop. I also really really like the digitizer.


"> Uber wasn't trying to track everybody post ride for fun, they were trying to model future demand for cars before somebody punched in they needed a ride. Well, I'm sure that was *one* of the reasons - even the primary reason, perhaps. But it's a bad idea to assume that companies are only using certain data in the ways you think they are. Like, when you pay with your credit card at a restaurant... You may expect them to keep a file linked to the card number so that they can track what people order over time. You *probably* don't expect them to explicitly match your credit card to your FB/LI/etc, create a file of information about you with pictures, and then use that info to instruct your server next time to talk about travel because you have a trip coming up. You *probably* don't expect them to share your file with other restaurants, so when you go to a different restaurant next week, the server there knows to upsell you on the wine. You *probably* don't expect them to sell that profile to data brokers who match all that to public record data (like mortgages and car registrations) in order to sell to yet other companies. But they do those things. Same deal with literally every company who obtains data. The correct calculation when deciding to give data to a company isn't ""what is the data and what do I think the company will do with it."" **The correct calculation is:** - what is the data - how can that data be combined with data about me from *everywhere* else: social networks, public records, credit card transactions, location data, etc - who could potentially get their hands on it (generally the company's tech/marketing partners and vendors + data brokers -- assume everyone) - what's the worst possible way that I imagine this could be used (e.g., to show me ads for italian restaurants, to show me higher prices because it looks like I'm a big spender, to prove that I'm cheating on my wife, etc) Then if you're still cool with giving them the data, awesome! Just remember that we have crappy memories, but computers don't. You might not recall that night in a hotel a few years ago, but computers do. You may not pick up on the subtle long term patterns in your own behavior (like the fact that your ""totally random cravings"" for a Big Mac occur predictably every 12-14 months), but computers will."


Apple is currently the most valuable company in the world by market capitalisation and it has issued bonds for instance. Amazon have also issued bonds in the past as have Google. One of many reasons companies may issue bonds is to reduce their tax bill. If a company is a multinational it may have foreign earnings that would incur a tax bill if they were transferred to the holding company's jurisdiction. The company can however issue bonds backed by the foreign cash pile. It can then use the bond cash to pay dividends to shareholders. Ratings Agencies such as Moody's, Fitch and Standard & Poor's exist to rate companies ability to make repayments on debt they issue. Investors can read their reports to help make a determination as to whether to invest in bond issues. Of course investors also need to determine whether they believe the Ratings Agencies assesments.


No one can deny the importance of a good night’s sleep. Yes, we all need some time to let our mind and body relax after a long tiring day without which none of us can perform our routine tasks normally.


"For the most part, saving money usually depends upon having a budget and being able to stick to it. The toughest part of budgeting is usually setting it up (how much do I need for X) and sticking to it each month. In regards to sticking to it, there is software that you can use that helps figure out how much you are spending and how much you have left in a given category and they all pretty much do the same thing: track your spending and how much you have left in the category. If you are good with spreadsheets you might prefer that route (cost: free) but software that you can buy usually has value in that it can also generate reports that help you spot trends that you might not see in the spreadsheet. Sticking to a budget can be tough and a lot of what people have said already is good advice, but one thing that helps for me is having ""play money"" that can be used for whatever I want. In general this should be a fairly nominal amount ($20 or $40 a week) but it is enough that if you see a new book you want or what to go out for lunch one day you can do it without impacting the overall budget in some way. Likewise, having bigger savings goals can also be useful in that if times get tough it is easier to stop putting $100 a month to the side for a vacation than it is to cut back your grocery budget."


You do know that people already receive many benefits? Rather than just handing out cash we use other forms of payments to limit fraud & abuse of taxpayers funds. Its not working. You would think with the huge increase in entitlement spending over the last 10 years that things would get better. We had our universal income study in America,it failed.


"Gentleman, the way to do a great ""ad hominem"" is to do your research first. Aimless speculation as to my bitterness, business failures, lack of business sense, VCs passing me over, etc., etc. doesn't do the term justice. Please do try harder. Thank you!"


"Lmao so the fact that the government ""could possibly switch currency"" negates the current demand they create? The government creates a demand for USD. That alone is enough to say dollars have intrinsic value. Add to that the fact that there are trillions of dollars in outstanding government bonds that are required to be paid out in USD when they mature. Changing the currency would be considered a form of default by many and could have massive negative consequence far outweighing the benefits of the rapid adoption of blockchain. Even if they stopped issuing bonds today they would still have ones maturing until 2047. It's like saying bananas don't have monetary value because people might decide to stop buying them. Yeah, it's true they would lose value if that happened but as of today it's just not true"


Congress said they coudln't run their own airline so UPS/FedEx rus them. Overight package with USPS still goes FedEx so might as well pay less. UPS and FedEx use USPS when it is in their interest not to deliver to the end clients (the expensive part) and only handle the hauling to a local distribution point (eg smart post) So yeah there are plenty of stupid mistakes going on. USPS should cancel those services to begin with, many of those clients will return to the post office directly, then they should run their own airplanes (if it is cost efficien) also lifetime salaray pensions are not realistic...


Future income would impact the price you'd negotiate for the sale. And it may turn to profit for the buyer, but it has no impact on you today. You have the sale price, and whatever cost hasn't been written off. The time you put into it doesn't matter either, an hour to write the program or 5 years. Only your out of pocket cost is written off against the sale price. If the sales are steady, why so low, 13 trailing month's revenue, with potential for growth, is a very low multiple. It's in the store, what is your cost to maintain the product?


I guess I am trying to avoid making her a partner, which creates the struggle of how to compensate her. Having her be a partner is pretty straightforward - she would get an agreed % of any business, mine or hers. Not sure I want/need to do that.....but maybe it's the only way?


"When you hold units of the DLR/DLR.U (TSX) ETF, you are indirectly holding U.S. dollars cash or cash equivalents. The ETF can be thought of as a container. The container gives you the convenience of holding USD in, say, CAD-denominated accounts that don't normally provide for USD cash balances. The ETF price ($12.33 and $12.12, in your example) simply reflects the CAD price of those USD, and the change is because the currencies moved with respect to each other. And so, necessarily, given how the ETF is made up, when the value of the U.S. dollar declines vs. the Canadian dollar, it follows that the value of your units of DLR declines as quoted in Canadian dollar terms. Currencies move all the time. Similarly, if you held the same amount of value in U.S. dollars, directly, instead of using the ETF, you would still experience a loss when quoted in Canadian dollar terms. In other words, whether or not your U.S. dollars are tied up either in DLR/DLR.U or else sitting in a U.S. dollar cash balance in your brokerage account, there's not much of a difference: You ""lose"" Canadian dollar equivalent when the value of USD declines with respect to CAD. Selling, more quickly, your DLR.U units in a USD-denominated account to yield U.S. dollars that you then directly hold does not insulate you from the same currency risk. What it does is reduce your exposure to other cost/risk factors inherent with ETFs: liquidity, spreads, and fees. However, I doubt that any of those played a significant part in the change of value from $12.33 to $12.12 that you described."


"It's almost as if you're *completely* wrong. Tell me what Citibank has anything to do with JP Morgan. Tell me again how JP Morgan is responsible for CDO's and MBS's. Tell me again how JP Morgan cost the tax payers money. Tell me again how investment banks made investments based on the premise of ""taxpayers will cover it"" Tell me again how JP Morgan gambled and needed to be bailed out. Tell me how the TARP cost taxpayers even a cent. Amazing how someone can have such strong feelings about something they have 0 knowledge of. Educate yourself moron."


"Wow! ""And then a rat inside a barbecue grill brought Odebrecht’s multibillion-dollar graft machine crashing down. In early 2015, one of Migliaccio’s neighbors in Aventura discovered the rodent while preparing to fire up a communal grill by the pool. The incident prompted emails about the purchase of a new grill among residents, and one caught the eye of Brazilian Federal Police agent Felipe Pace, a Car Wash investigator who was monitoring Migliaccio. The email was copied to the addresses of dozens of condo owners, including one Pace knew to be Migliaccio’s. But one Hotmail account, called “O.Overlord” (a reference to Operation Overlord, the Allied D-Day invasion of France in 1944), was a mystery to Pace. In January 2016 he secured a court order in Brazil requiring Microsoft Corp. to give him access to the Hotmail account."""


Find the effective solution for all health issues at one spot only. Vydya is providing the listing of all medical solutions like Yoga therapy for back pain and stress relief, Homeopathy for thyroid treatment and so on, where you can check the best choice to fix the appointment.


I'd say its time to merge finances!


My understanding was that if they cash out they only have to pay capital gains tax on it, which is lower than income tax for their bracket. You also have to think about tax on dividends from these stock options, which is only 15%, which is paltry to regular incometax rate that the rich pay on their salaries. According to Wikipedia: Congress passed the Jobs and Growth Tax Relief Reconciliation Act of 2003 (JGTRRA), which included some of the cuts Bush requested and which he signed into law on May 28, 2003. Under the new law, qualified dividends are taxed at the same rate as long-term capital gains, which is 15 percent for most individual taxpayers Anyways, SOMETHING needs to be done.


Okay what I meant was that if you catch someone and find out they own a certain address, they cannot escape the trail. If they want to move funds from a criminal wallet to a safe wallet, there will always be a trail. And that's just the transaction network. The stock market equivalent counterparty operates on a similar ledger system. > the parallel is clear Except that with blockchain technology its 100% transparent and global by default and doesn't need a third party to audit the system because its all done algorithmically and openly. Also no need for a clearing house or companies to give you access to the stock market through their services (like e trade).


Toni Plastic Industries is the leading mannequin manufacturer in New Delhi, known for manufacturing mannequins of all types. They also manufacture and export corrugated box handles, hangers of all types and customized products that can be used in all kinds of wholesale and retail outlets.


This is based on evidence over the past 35 years which coincides with the largest technology revolution in human history. Those automated jobs were going away even if minimum wage was cut. Our business community is enamored of technology solutions that enrich them in the short term and to hell with the law no term. To keep telling the public this then prevents people demanding a livable wage in fear of no job at all. It keeps working class people complacent with the abuses in their work environment, such as forbidding legal breaks, not paying overtime that is due, last minute schedule changes, unpaid 24 on call status and less than 8 hours between shifts. Fear is the most powerful mute button in the world. Long term, profits will begin to slide slowly as we are seeing in retail right now. It will be blamed on Internet shopping, millennials are minimalists or student loan payments. This doesn't explain deceased shopping by other age groups, but shhh, not suppose to notice. As more and more people are left in poverty or near poverty by lack of wage increases, the number of customers fall. When it hits the middle class and they stop shopping so much, our economy will be in a persistent recession. Layoffs to reduce expenses leads to fewer customers for products leads to decreased profits leads to layoffs.... Automation will, of course, reduce the expenses in the short term, but will also eliminate the market. All the white collar workers that think they are immune will be shocked when it hits their industry, but it only makes sense in myopic business circles to eliminate higher wages workers, too. Sometimes technology is the problem, not the solution. I expect to be banned for saying so.


There are a lot of things that can be specified in the LLC agreement / charter, such as unequal distribution profits, sales restrictions, classes of ownership, etc. You should read your LLC paperwork. That said, you are generally allowed to sell ownership in an LLC in a private transaction. If you advertise the share of the LLC for sale, it's probably a violation of SEC rules. So Craig's List is a bad idea. Word of mouth or a broker is the way to go. I am not a lawyer or accountant -- you should double check this information; it might be wrong.


"I think it means that any article that ends with a question mark is bullshit and of course the answer could be no or else the head line would be definitive. Like for this one if the answer couldn't be no, it might be titled, ""assets are high across the board and it's time to worry""."


"It's also too big to fail. The idea of ""too big to fail"" just means that it would cause civil unrest. With banks, it would force the government to reimburse (and likely clip, for reach people) funds. With large companies with millions of employees, it would cause a sharp increase in national unemployment."


I will never advocate for being high at work. We can both agree on that front, my main point is that it is stupid to care what people do on their off time. I can respect many of your arguments, but I just want to be clear I think smoking and driving is bad. What I think is acceptable is getting high on your own time in the privacy of your own home. Therefore in my mind it should have 0 impact on insurance of any kind, and employers shouldn't care what you do on your own time. You're entitled to your opinion, and it is very clear that it differs from mine. I would just hope that in the future you don't use a broad brush and attack everyone that smokes weed


Agree with the comment, 760 is a good score. The average score is less than 700 and average score for your age group is even lower. (Source: https://www.creditkarma.com/trends/age) Just keep paying your credit card bills on time. You could also ask for increases in your credit limits on your existing credit cards, which may increase your score, but could decrease it in the short term depending on how your credit card company looks at your credit history in the process. (Source: http://money.usnews.com/money/blogs/my-money/2014/06/27/3-ways-to-increase-your-credit-card-spending-limit)


Is there, like, any other goddamn example why that might be a good idea? Star Wars is such a freaking ridiculous outlier for merchandising sales. How much do your run of the mill franchises really make off their crappy swag?


The standard advice is to have 3-6 months worth of expenses saved up in a highly liquid savings or money market account. After you have that saved you could look to start investing. I would recommend reading the bogleheads investment wiki (https://www.bogleheads.org/wiki/Getting_started). Even if you aren't planning on following the bogle head's way of passive investing it will give you a lot of good info on options available to you to start investing.


my tax liabilities in India on my stock profit in US You would need to pay tax on the profit in India as well after you have become resident Indian. India and US have a double tax avoidance treaty. Hence if you have already paid tax in US, you can claim benefit and pay balance if any. For example if you US tax liability is 20 USD and Indian liability is USD 30, you just need to pay 10 USD. If the Indian tax liability is USD 20 or less you don't need to pay anything. what if in future I transfer all my US money to India? The funds you have earned in US while you were Non-Resident is tax free in India. You can bring it back any-time within a period of 7 years.


This is tax fraud, plain and simple. I recently wrote an article The Step Transaction Doctrine, in which I explain that a series of events may each be legal, but aggregate to one transaction and the individual steps are ignored. In this case, it goes beyond that, by accepting $5/mo you are already outside the tax code. As littleadv noted, you can't work for a legitimate business for free and not expect to have some kind of issue. The $14K/yr gift isn't a bona fide gift, but ties to that work.


If you have retirement savings, the HSA should not be considered in isolation, but as part of your complete asset allocation. The HSA is a unique account in that the funds go in pre-tax, grow tax free, and then for qualified expenses, are withdrawn tax free. With healthcare being the biggest risk to one's retirement portfolio (i.e. a large unknown in that retirement budget), funding an HSA to the max, and treating it as a long term investment makes a lot of sense. As a comment suggests, keeping what you feel is a year's worth of expenses liquid might make sense. The (medical) plan coverage should have a maximum out of pocket each year. That's another number you can use as a guideline. The question is great, and as more people have the high deductible plan with an HSA, it's worth some analysis. The problem for those answering is that we don't know the rest of your situation. Specifically, how these funds fit into your portfolio of assets.


Different focus and drive. Are you familiar with process improvement methods like Six Sigma? Yes they've become synonymous with corporate buzzword bullshit in the US but that's not the way it always was. During WWII the US government socialized many factories to support the war effort. They took statistics nerds and gave them factories to run. After the war the nerds were offered jobs in the census. Some of them went to other countries to help rebuild instead. There are statues to some of them because they helped Japan become a leading economy in relatively short order. China doesn't have that focus. They succeed out of sheer numbers. Not by refining process. That would require investing in their workforce too much and cheep disposable labor is the way they compete.


100k may not be a lot for your area, but if you're really concerned about feeling like a failure just take your 100k and move somewhere with a lower cost of living, and you will soon see what real failure looks like (although to be blunt for the sake of honesty, 11/hr in OC means you may in fact be a failure).


Take it up with Jamie Dimon, I'm not trying to involve myself with semantics. Either you agree with his assessment of the speculative bubble, or you don't. You're just being a pedant, and are detracting us from the actual argument.