"Friedman (and libertarian philosophy) has a lot of good ideas when it comes to the general economy. But, healthcare is one of those things that, in my opinion, should not be left up to a ""free market."" Arguably we do not have a free market anyway, so all the more reason not to hand our lives and well being over to profit seeking corporations. If we had actual competition and the government nurtured good business practices (instead of corruption) then I would have more confidence in deregulation. I think the waste/inefficiency that government introduces does less damage than immoral profit seeking on the backs of sick people."


Hard work, intelligent purchases, learning to cook and be handy, not giving to every impulse, not gambling, not blowing your money on drugs and alcohol, putting the effort into a small business, and working long hours are also luck, apparently. TIL


I agree. China is implementing much harsher emissions standards that will push everyone to make and sell electric cars. Tessa would be foolish to miss out on that market. As for the US, Tesla always misses deadlines. They'll eventually make enough cars, even if they need another factory to do it.


Not quite. The EPS is noted as ttm, which means trailing twelve months --- so the earnings are taken from known values over the previous year. The number you quote as the dividend is actually the Forward Annual Dividend Rate, which is an estimate of the future year's dividends. This means that PFE is paying out more in the coming year (per share) than it made in the previous year (per share).


Toyota learned from W. Edwards Deming back in 1950. He taught them with better quality and lower costs you can capture the market with better quality and lower price. This is the DEMING CHAIN REACTION. GM, Ford, and Chrysler hired Deming in the 1980s but never adopted his philosophy as completely as the Japanese.


http://www.vistageconnect.com -- Marketing guru David Avrin explains how truly creative, effective marketing messages come directly from a company's ability to communicate effectively within its own team. Avrin also describes the best practices in building the kind of unique environment that enables creative styles of communication.


"It's not either or. Much of the time the value of the stock has some tangible relation to the financial prospects of the company. The value of Ford and GM stock rose when they were selling a lot of cars, and collapsed when their cars became unpopular. Other companies (Enron for example) frankly 'cook the books' to make it appear they are prospering, when they are actually drowning in debt and non-performing assets. So called ""penny stocks"" have both low prices and low volumes and are susceptible to ""pump and dump"" schemes, where a manipulator buys a bunch of the stock, touts the stock to the world, pointing to the recent increase in price. They then sell out to all the new buyers, and the price collapses. If you are going to invest in the stock market it's up to you to figure out which companies are which."


according to the SEC: Shareholder Reports A mutual fund and a closed-end fund respectively must provide shareholders with annual and semi-annual reports 60 days after the end of the fund’s fiscal year and 60 days after the fund’s fiscal mid-year. These reports contain updated financial information, a list of the fund’s portfolio securities, and other information. The information in the shareholder reports will be current as of the date of the particular report (that is, the last day of the fund’s fiscal year for the annual report, and the last day of the fund’s fiscal mid-year for the semi-annual report). Other Reports A mutual fund and a closed-end fund must file a Form N-Q each quarter and a Form N-PX each year on the SEC’s EDGAR database, although funds are not required to mail these reports to shareholders. Funds disclose portfolio holdings on Form N-Q. Form N-PX identifies specific proposals on which the fund has voted portfolio securities over the past year and discloses how the fund voted on each. This disclosure enables fund shareholders to monitor their funds’ involvement in the governance activities of portfolio companies. which means that sixty days after the end of each quarter they will tell you what they owned 60 days ago. This makes sense; why would they want to tell the world what companies they are buying and selling.


"This is the best tl;dr I could make, [original](http://www.spiegel.de/international/world/monsanto-papers-reveal-company-covered-up-cancer-concerns-a-1174233.html) reduced by 95%. (I'm a bot) ***** > The email, sent on Nov. 22, 2003, is one of more than 100 documents that a court in the United States ordered Monsanto to provide as evidence after about 2,000 plaintiffs demanded compensation from Monsanto in class-action suits. > &quot;Glyphosate is on for an IARC review in March of 2015.&quot; A month later another Monsanto scientist, William Heydens, expressed more specific concerns. > Above all, the Monsanto papers show that the experts were very aware of a fact that is often lost in the public debate: In addition to glyphosate, herbicides like Roundup contain other dangerous chemicals that are necessary to enable the active ingredient to penetrate hard plant walls, among other things. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/78pj0a/a_release_of_internal_emails_has_revealed_that_us/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~234998 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*: **Monsanto**^#1 **glyphosate**^#2 **Roundup**^#3 **company**^#4 **IARC**^#5"


So I actually just messaged him like why do you need a copy of my college diploma and he said his lawyer said he needs a copy of the diplomas of the people he specifically supervises on an Italian client (we work in PR and have companies and sometimes government subsidized companies as clients)... so maybe it does check out? I mean I did my due diligence I'm not sure what else I can do. If he photoshops it, that's on him.


Forex trading contracts are generally fairly short dated as you mention. Months to weeks. Professional forex traders often extend the length of their bet by rolling monthly or quarterly contracts. Closing a contract out a few days before it would expire and reopening a new contract for the next quarter/month. This process can be rather expensive and time consuming for a retail investor however. A more practical (but also not great) method would be to look into currency ETFs. The ETFs generally do the above process for you and are significantly more convenient. However, depending on the broker these may not be available and when available can be illiquid and/or expensive even in major currency pairs. It's worth a bunch of research before you buy. Note, in both cases you are in a practical sense doubling your NOK exposure as your home currency is NOK as well. This may be riskier than many people would care to be with their retirement money. An adverse move would, at the same time you would lose money, make it much to buy foreign goods, which frankly is most goods in a small open country like Norway. The most simple solution would be to overweight local NOK stocks or if you believe stocks are overvalued as you mention NOK denominated bonds. With this you keep your NOK exposure (a currency you believe will appreciate) without doubling it as well as add expected returns above inflation from the stock growth/dividends or bond real interest rates.


You can invest upto $200K per year abroad, and yes, you can buy Google as a stock. Consider opening an international account with a broker like interactive brokers (www.interactivebrokers.co.in) which allows you to fund the account from your local Indian account, and then on, buy shares of companies listed abroad.


"GDP being a measurement for an economy's growth and with the stock market being driven (mostly) by company profits you would expect a tight correlation between GDP growth and stock market performance. After all, a growing economy should lead to a corresponding increase in profit right? But the stock market is heavily influenced by investor mentality; irrational exuberant buying and panic selling make the stock market far more volatile than GDP ever can be. Just look at the 2001 bubble and 2008 panic sell-off for famous examples. I feel emerging markets are particularly prone to overly optimistic buying to ""get in"" on the GDP growth followed by overly pessimistic selling when politics get unfavorable. Also keep in mind that GDP measurements are all done after the fact, the growth that is reported has already happened. The stock market might have already expected the reported growth and priced it in. A final point: governments and companies in emerging markets have a reputation (sometimes deserved) of poor governance, think corruption, nepotism etc. So even if the economy grows substantially investors might not believe they can profit from the growth. P.S. What do you base the ""no great increase"" on? Emerging markets have had a rough decade but that index would have still returned 9% annually if you held it since 2001."


Since you are living in India and earning income not from salary, you must file your tax return under ITR4(Profits or Gains of Business or Profession). You can do it online on IncomeTax India eFiling website, step by step guide available here.


No, I mean 2.5. Back in the late 80's and early 90's, people used these word-processor typewriters with weird little tiny floppy disks. There was no screen - just a tiny one-line LCD panel, used mostly to navigate the file-menu. Pretty archaic stuff.


I had a friend that did this when I was back in high school. It really depends on your regional demographics. Don't open it because you and your group of friends like those kinds of things. That isn't enough to support a full blown store. Online would be a better idea, but then you have to ensure you can compete with online prices. That is hard. Maybe start off flipping stuff from eBay and sales. Then when you can buy enough in bulk you can get better prices. It is a hard market man.


The best would be to find someone in that country to make a payment on behalf of you. Other option is to use remittance services like Western union. It allows transfers to bank Account in Poland. You can fund by debiting your Card or Bank Account in US. If you debit your Card, there may be some fees as it would be treated as Cash Advance.


I used square in the past for personal yard sale and they did not transfer balance to my bank acct because they told me it was against their policy and I had to have a business license that they could either refund the credit cards i process or keep the money. So they kept it I never got it back. I don't recommend anybody to use square.


You are young, and therefore have a very long time horizon for investing. Absolutely nothing you do should involve paying any attention to your investments more than once a year (if that). First off, you can only deposit money in an IRA (of whatever kind) if you have taxable income. If you don't, you can still invest, just without the tax benefits of a Roth. My suggestion would be to open an account with a discount brokerage (Schwab, Fidelity, eTrade, etc). The advantage of a brokerage IRA is that you can invest in whatever you want within the account. Then, either buy an S&P 500 or total market index fund within the account, or buy an index-based ETF (like a mutual fund, but trades like a stock). The latter might be better, since many mutual funds have minimum limits, which ETFs do not. Set the account up to reinvest the dividends automatically--S&P 500 yields will far outstrip current savings account yields--and sit back and do nothing for the next 40 or 50 years. Well, except for continuing to make annual contributions to the account, which you should continue to invest in pretty much the same thing until you have enough money (and experience and knowledge) to diversify into bond funds/international funds/individual stocks, etc. Disclaimer: I am not a financial planner. I just manage my own money, and this strategy has mostly kept me from stressing too badly over the last few years of market turmoil.


The reason the market value is low is because the market does not believe that the company or country will pay. Another reason for it to go down is lack of liquidity in the market. However if you believe that the conditions would improve by the time bond matures, and you don't need money right now, then you can wait for maturity and get the maturity value.


"Let the products sell themselves Fuck advertising Commercial psychology Psychological methods to sell Should be destroyed Because of their own blind involvement In their own conditioned minds The unit bonded together morals Ideals, awareness Progress Let yourself be heard -Minutemen, [""Shit From An Old Notebook"".](http://www.youtube.com/watch?v=qyc9JmdO6u4)"


Metropolitan Shredding is a proud Australian owned and operated shredding company providing secure document destruction, security bins and paper shredding services. We have years of hands on experience in the industry, visit us now if you are looking for secure document destruction in Melbourne


Apparently Canadians have not been paying any tax on Uber rides, and will only begin to do so on July 1, 2017. Source: http://mobilesyrup.com/2017/03/22/uber-canada-gst-hst-budget-2017/


Yes basic food stuffs needed for healthy living should be provided to everybody. Thats not suggesting farmers work for free, thats just saying that the government and not a private entity should be responsible for making sure everyone in their country has easy access to food.


"I don't see why you would need an ""international tax specialist"". You need a tax specialist to give you a consultation and training on your situation, but it doesn't seem too complicated to me. You invoice your client and get paid - you're a 1099 contractor. They should issue you a 1099 at the end of the year on everything they paid you. Once you become full-time employee - you become a W2 employee and will get a W2 at the end of the year on the amounts paid as such. From your perspective there's nothing international here, regular business. You have to pay your own taxes on the 1099 income (including SE taxes), they have to withhold taxes from your W2 income (including FICA). Since they're foreign employers, they might not do that latter part, and you'll have to deal with that on your tax return, any decent EA/CPA will be able to accommodate you with that. For the employer there's an issue of international taxation. They might have to register as a foreign business in your state, they might be liable for some payroll taxes and State taxes, etc etc. They might not be aware of all that. They might also be liable (or exempt) for Federal taxes, depending on the treaty provisions. But that's their problem. Your only concern is whether they're going to issue you a proper W2 and do all the withholdings or not when the time comes."


Well where is government supposed to get the food from? Either they force the farmers to work for free, or they force other people to work for free so they can use the money to pay the farmer. Should people have no responsibility? Just have as many children as you like and we'll force others to work for free so they can have all the food they require? That will certainly give more votes in a democracy to those who have as many children without worrying about how to feed them. I'm not sure if that's the type of society I would freely choose to live in.


Assuming what is taking you over budget are not essential costs such as fuel bills, food, mortgage etc. you could do the following. Work out your monthly disposable income after all essential base costs have been sutracted. Then simply keep a book of any additional spending. It will be very easy to see if you're at risk of overspending. In fact, even when one has no need to budget it's still an excellent idea to keep a book of all your spending. It's surprising how useful it can be. It's a great reference for dues dates, sizes of past bills and provides an excellent cross check of your bank statement. It's not often that you find an error on your bank statement (at least it shouldn't be!), but my books have helped me locate three such errors over the past 25 years, which I'm sure would have gone unnoticed by most people. So my advice is, keep a book of your spending.


It's true that most states have limits on what finders can charge if the listing is in state possession. If it is in the pre-escheat phase (that period of time before it goes to the state) then even if the money will eventually go to the state, the limits don't apply. Keane does a lot of work with transfer agents that handle the administrative work of stocks. Other options that have a time limit include I have a friend that was contacted by Keane. It turned out to be stock that her mother had when she worked for AMEX. She got busy with other things and got another letter from Keane. The stock increased in value and they wanted more money to help her even though they had already done the work of finding her. The money eventually went to the state and she was able to claim the full amount for FREE. If the suggestions I gave you don't get results, contact me through my web site and I'll try to help. Good luck!


If you are splitting rent, it is not income because you are reducing the amount of space you have available to you and reducing your rent, it's the same as if you moved to a smaller apartment. You can't claim a deduction for rent paid, so there really are no tax implications in this arrangement. If you own a house and someone helps pay the mortgage, that does become a rental situation if the other party has no ownership stake in the house. Could you find other ways to disguise it, like having your brother pay utilities or buy groceries? Sure, but I think it's technically taxable income by the letter of the law. I also don't think the IRS is going to come after you for trading a place to sleep for groceries/cable.


What a lot of people do not know about the SEC is they do a piss poor job of collecting. They are a creditor in a civil case and do not have the same powers as say the IRS. They usually win cases because it is easier to settle with a Federal Lawyer who is taking you Federal Court and proving innocence in a civil trial is hard where as proving guilt in a Federal Criminal case is easier. They get settlement, get PR, move on.


You report what you contributed (sum of monthly investments that you made) to the bond fund. Distributions are the earnings in the account that stay in the account and have no tax consequences (in particular, you don't report them as income on your tax returns) until you withdraw the money later.


The reason diversification in general is a benefit is easily seen in your first graph. While the purple line (Betterment 100% Stock) is always below the blue line (S&P), and the blue line is the superior return over the entire period, it's a bit different if you retired in 2009, isn't it? In that case the orange line is superior: because its risk is much lower, so it didn't drop much during the major crash. Lowering risk (and lowering return) is a benefit the closer you get to retirement as you won't see as big a cumulative return from the large percentage, but you could see a big temporary drop, and need your income to be relatively stable (if you're living off it or soon going to). Now, you can certainly invest on your own in a diverse way, and if you're reasonably smart about it and have enough funds to avoid any fees, you can almost certainly do better than a managed solution - even a relatively lightly managed solution like Betterment. They take .15% off the top, so if you just did exactly the same as them, you would end up .15% (per year) better off. However, not everyone is reasonably smart, and not everyone has much in the way of funds. Betterment's target audience are people who aren't terribly smart about investing and/or have very small amounts of funds to invest. Plenty of people aren't able to work out how to do diversification on their own; while they probably mostly aren't asking questions on this site, they're a large percentage of the population. It's also work to diversify your portfolio: you have to make minor changes every year at a minimum to ensure you have a nicely balanced portfolio. This is why target retirement date portfolios are very popular; a bit higher cost (similar to Betterment, roughly) but no work required to diversify correctly and maintain that diversification.


"> ...and? That's how capitalism works. No, that's how a bastardized form of capitalism works that ""free market"" dittoheads subscribe to. For example, why do Americans pay such a high price for sugar? Because of the cartels. The sugar barons, like the Fanjul family, can get the president on the phone when they feel threatened by your brand of capitalism. ------------ The Fanjul brothers — Alfonso ""Alfy"" Fanjul, José ""Pepe"" Fanjul, Alexander Fanjul, and Andres Fanjul — are owners of Fanjul Corp., a vast sugar and real estate conglomerate in the United States and Dominican Republic, comprising the subsidiaries Domino Sugar, Florida Crystals, C&H Sugar, Redpath Sugar, Tate & Lyle European Sugar as well as the airport and resorts surrounding La Romana in the Dominican Republic http://en.wikipedia.org/wiki/Fanjul_brothers Here are the brief quotes by the thinktanks about the sugar cartel and their subsidies: http://sugarreform.org/why-reform/what-the-experts-are-saying/think-tanks/"


First thing to do right now, is to see if there's somewhere equally liquid, equally risk free you can park your cash for higher rate of return. You can do this now, and decide how much to move into less liquid investments on your own pace. When I was in grad school, I opened a Roth IRA. These are fantastic things for young people who want to keep their options open. You can withdraw the contributions without penalty any time. The earnings are tax free on retirement, or for qualified withdrawls after five years. Down payments on a first home qualify for example. As do medical expenses. Or you can leave it for retirement, and you'll not pay any taxes on it. So Roth is pretty flexible, but what might that investment look like? It in depends on your time horizon; five years is pretty short so you probably don't want to be too stock market weighted. Just recognize that safe short term investments are very poorly rewarded right now. However, you can only contribute earnings in the year they are made, up to a 5000 annual maximum. And the deadline for 2010 is gone. So you'll have to move this into an IRA over a number of years, and have the earnings to back it. So in the meanwhile, the obvious advice to pay down your credit card bills & save for emergencies applies. It's also worth looking at health and dental insurance, as college students are among the least likely to have decent insurance. Also keep a good chunk on hand in liquid accounts like savings or checking for emergencies and general poor planning. You don't want to pay bank fees like I once did because I mis-timed a money transfer. It's also great for negotiating when you can pay in cash up front; my car insurance for example, will charge you more for monthly payments than for every six months. Or putting a huge chunk down on a car will pretty much guarantee the best available dealer financing.


"I signed the checks ""JoeTaxpayer, parent"" and never had an issue with my bank. Note, I am in the US, and my experience may just be with my particular bank."


"If you engage in any kind of dangerous activity, the training courses will often state that an accident is not the result of a simple error. Examples of this include SCUBA and motorcycle training. Properly maintained equipment and training will mitigate many emergencies. Recently my dive buddy was 60' down, and ran out of air due to a tank O ring failure. She did not panic, and all of the dive team rallied to get her to the surface without anyone getting hurt, or even coming close to it. Financial tragedies are similar. In some cases, a single event triggers an avalanche of events that leads to tragedy. For example, hard economic times may lead to an employer doing 5% pay cuts across the board. However, they also cut bonuses and other ancillary pay items. This leads to a real cut of 20-25% of income. Leading a true cash flow emergency. As such cutbacks are needed, and this might put a strain on an already shaky relationship, this leads to that relationship ending, requiring more cash. Perhaps a car dies in this process or some household item needs repairing. Sure one can borrow money, but this tends to exasperate the avalanche rather than solve it. Having a low debt and a liquid emergency fund stops the avalanche in its tracks. In the case cited above issues would have been solved if the person lived off of 50% of their income rather than the way most people live (paycheck-to-paycheck). Also if there were savings for the car repair then that becomes a pain, but not a true stress. Think of a liquid emergency fund as ""properly maintained equipment"". It allows you to build a financial life on a solid foundation. In my own case, I attempted to live and invest without an emergency fund. It just did not work. I often had to liquidate investments at in opportune times, and could never really hold onto money. With the foundation of an emergency fund, one can build a prosperous life for one's self. You are welcome to try it your way, but if you fall, hopefully you will remember this answer and build your foundation first."


"The 8% rate offered by Russian banks on US Dollar accounts reflects the financial problems they have. They would prefer to lend US Dollars on the international financial markets at the same rate as US banks, but loans to Russian banks are considered to be more risky. In fact, the estimated ""default"" risk is ~6%. Your ruble deposits at Russian banks are most likely backed by state guarantees, which reduces the risk and therefore the effective interest rate."


Very interesting read but I feel like the BitCoin stocks are just a bit too volatile to place your future security and livelihood in them. To those who are thinking about going this route, I would strongly suggest you hedge your bets with a more stable entity in addition to the BitCoin stock. Then again, we all know the risks of placing money in the stockmarket. It's unpredictable and risky, the higher the risk the higher the reward, but that's just my two cents. May feel like a contradiction to some based on what I've said previously, but I actually love what BitCoin are doing.


Yeah, so people would buy it high. I'm short SNAP. I said it so suckers would buy. And then my options would be worth more when earnings come and they tank. The first tank came at earning just a week ago. Next earning it will tank more.


25% isnt high growth for tech. Amazon does not fund itself from earnings and any improvement in its inventory turns will accelerate its growth capacity. On the other hand, I would love to hear your choice of valuation method for high-growth companies.


"This is the best tl;dr I could make, [original](http://www.france24.com/en/20171013-irish-bad-bank-repay-state-loan-early) reduced by 59%. (I'm a bot) ***** > Ireland&#039;s &quot;Bad bank&quot; set up to buy toxic mortgages from severely troubled lenders will soon pay off its final government loan, three years ahead of schedule, it said Friday. > NAMA said in a statement on Friday that it was poised to repay its final 500-million-euro loan to Dublin. > NAMA acquired loans with a nominal value of 74 billion euros at heavily discounted prices from banks and building societies, with the aim of getting the best return for the state over an expected lifetime of up to 10 years. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/76am8k/irish_bad_bank_to_repay_state_loan_early/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~228038 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*: **loan**^#1 **NAMA**^#2 **bank**^#3 **billion**^#4 **euros**^#5"


The average redditor likes bigger phones, but the average person does not. The average person does not want a stylus and the average person prefers an iPad to a laptop computer. Apple does not make products for the average redditor. Apple will have truly changed when it makes products that aren't better just for the sake of meeting a market segment.


The 19th century called, they want your socialism back. >I bet neither the military, NASA, FDA or your local police station/firefighters aren't providing any usefullness... Let's see... * Military? - not sure what good I'm getting of some fucker in Afghanistan being killed * NASA - yes, I get value from that * FDA - ditto, but not that much * police - I'd rather get them reduced in size * firefighters - we need a lot of audits on the effectiveness of those When I buy a product from a private corporation, there are a lot of rosources that I can consult on the value they provide. I can choose between the different providers. When the government taxes me, I don't have a choice. I must pay the taxes no matter what. It'a a totally different situation.


Point being, the problem hasn't been fixed. The deficit went from enormous in 2009 to simply large today. It's never going to be paid back. The main issue to consider is that today the United States is the third largest oil producer in the world and the largest natural gas producer, thanks to hydraulic fracturing most of this surge happened during the Obama administration, spurred on by relatively high energy prices. [Without the fracking boom, the US economy would still be considered in a recession:](http://economics21.org/commentary/oil-and-gas-boom-propels-gdp) >Without the $300-$400 billion yearly increase in output from oil and gas production, economy growth would still be negative. Manhattan Institute senior fellow Mark Mills shows the extent these industries have contributed to U.S. growth in his new report, “Where the Jobs are: Small Businesses Unleash Energy Employment Boom.” The US manufacturing sector also benefits from this indirectly, as low energy costs thanks to suddenly abundant natural gas keeps domestic production affordable. Without the fracking boom, the US economy would be in a European type situation. [In fact, European companies move their manufacturing capacity to the US, citing low American gas prices.](http://www.ibtimes.com/natural-gas-boom-attracting-manufacturing-us-overseas-take-advantage-cheaper-fuel-1582512) The problem with all of this is that we know that fracking is not sustainable. It depends on very high oil prices, which consumers simply can't afford to continue paying. Without oil prices rising, the industry is forced to enter further and further into debt. Part of the reason oil prices are so high in the first place right now is because of speculative traders, who expect oil prices to rise higher in the future, which is unlikely to happen. When Obama claimed that there is 100 years worth of natural gas in the US, he was wrong. If he really believes that story himself, it's going to lead him to take bad decisions, by basing an economy on hypothetical cheap energy that won't be there in the future. The GDP contribution by the fracking industry is going to evaporate, at which point you're left with a massive debt you can't pay back.


I bet you don't believe in climate change, do you? I mean being such a big supporter of fossil fuels, there is no way you could be. But realistically the fact that we are doing irreparable harm to ourselves and our planet would be cooked into the fuel price, right? Free market, always right?


Another way to look at it is that deductibles are intended as incentives or subsidies to particular industries (in this case the healthcare industry). Guaranteeing a decent standard of living and making sure everybody can meet the costs of “necessities” can be achieved much more easily by a low tax rate on the first XXX$ of income and/or generic welfare benefits rather than any measure focused on making healthcare, food or whatnot cheaper or free under certain conditions. Incidentally, many countries do have different forms of benefits or tax breaks for accommodation-related expenses.


"Disclaimer: Mozilla employee here. Not speaking for Mozilla, of course, all opinions are my own and my own alone. And I'm not in any way connected w/ the negotiations w/ Google (or anyone else, for that matter) so I don't have any inside information about either Google or Mozilla's stance on the matter. A lot of what you're saying here makes sense, fab13n, but there's one thing that isn't quite right in my mind. You say that Google ""subsidized"" Firefox. That's not at all how I'd describe the relationship. Yes, it's to Google's advantage to have the web as the platform, and before Chrome became such a player having FF around as a competitor to IE was a good move. But as I understand it this is a business deal, pure and simple. FF's market share may currently be on the decline, but there is still somewhere in the neighborhood of 500,000,000 (that's half a billion) Firefox users out there. That's a lot of eyeballs seeing Google as the default search engine and the default home page. Which means a lot of Google searches, which means a lot of Google revenue. I don't know how much they make from that, but I'd guess it's a whole lot more than the $100,000,000/yr they've been paying for that privilege. Now if FF no longer defaulted to Google, they wouldn't lose *all* of those users. Some people would still switch to Google as the default, and lots of people would just type ""google.com"" in the address bar, or make it their home page. But a lot more people just go w/ the default than you'd first guess. I think that if Google bailed on some renewal of the deal, they'd see a noticeable dip in their traffic, w/ a resulting dip in revenue. This relationship has never been about philanthropy, it's about the money, as usual. For this reason I'm not gonna stress out too much about an article that seems to be little more than speculation. Maybe I'm wrong, maybe a new deal will fall through. But I'm going to wait until I hear that from someone who actually has inside information before I start freaking out about it."


"To answer your question briefly: net income is affected by many things inside and outside of management control, and must be supplemented by other elements to gain a clear picture of a company's health. To answer your question in-depth, we must look at the history of financial reporting: Initially, accounting was primarily cash-based. That is, a business records a sale when a customer pays them cash, and records expenses when cash goes out the door. This was not a perfectly accurate system, as cashflow might be quite erratic even if sales are stable (collection times may differ, etc.). To combat problems with cash-based accounting, financial reporting moved to an accrual-based system. An accrual is the recording of an item before it has fully completed in a cash transaction. For example, when you ship goods to a customer and they owe you money, you record the revenue - then you record the future collection of cash as a balance sheet item, rather than an income statement item. Another example: if your landlord charges you rent on December 31st for the past year, then in each month leading up to December, you accrue the expense on the income statement, even though you haven't paid the landlord yet. Accrual-based accounting leaves room for accounting manipulation. Enron is a prime example; among other things, they were accruing revenue for sales that had not occurred. This 'accelerated' their income, by having it recorded years before cash was ever collectible. There are specific guidelines that restrict doing things like this, but management will still attempt to accelerate net income as much as possible under accounting guidelines. Public companies have their financial statements audited by unrelated accounting firms - theoretically, they exist to catch material misstatements in the financial statements. Finally, some items impacting profit do not show up in net income - they show up in ""Other Comprehensive Income"" (OCI). OCI is meant to show items that occurred in the year, but were outside of management control. For example, changes in the value of foreign subsidiaries, due to fluctuations in currency exchange rates. Or changes in the value of company pension plan, which are impacted by the stock market. However, while OCI is meant to pick up all non-management-caused items, it is a grey area and may not be 100% representative of this idea. So in theory, net income is meant to represent items within management control. However, given the grey area in accounting interpretation, net income may be 'accelerated', and it also may include some items that occurred by some 'random business fluke' outside of company control. Finally, consider that financial statements are prepared months after the last year-end. So a company may show great profit for 2015 when statements come out in March, but perhaps Jan-March results are terrible. In conclusion, net income is an attempt at giving what you want: an accurate representation of the health of a company in terms of what is under management control. However it may be inaccurate due to various factors, from malfeasance to incompetence. That's why other financial measures exist - as another way to answer the same question about a company's health, to see if those answers agree. ex: Say net income is $10M this year, but was only $6M last year - great, it went up by $4M! But now assume that Accounts Receivable shows $7M owed to the company at Dec 31, when last year there was only $1M owed to the company. That might imply that there are problems collecting on that additional revenue (perhaps revenue was recorded prematurely, or perhaps they sold to customers who went bankrupt). Unfortunately there is no single number that you can use to see the whole company - different metrics must be used in conjunction to get a clear picture."


It is a good enough approximation. With a single event you can do it your way and get a better result, but imagine that the $300 are spread over a certain period with $10 contribution each time? Then recalculating and compounding will be a lot of work to do. The original ROI formula is averaging the ROI by definition, so why bother with precise calculations of averages that are imprecise by definition, when you can just adjust the average without losing the level of precision? 11.4 and 11.3 aren't significantly different, its immaterial.


I use over half my buying power of my portfolio for options, and I'm not a fan of any of the strategies listed above either (I stay away from negative theta trades for the most part), but I just listed them to point out that saying the reason someone wouldn't enter a short position is for fear of infinite losses is asinine. It's easy enough to make any trade risk defined if that is something the trader cares about.


A stock is only worth what someone is willing to pay for it. If it trades different values on different days, that means someone was willing to pay a higher price OR someone was willing to sell at a lower price. There is no rule to prevent a stock from trading at $10 and then $100 the very next trade... or $1 the very next trade. (Though exchanges or regulators may halt trading, cancel trades, or impose limits on large price movements as they deem necessary, but this is beside the point I'm trying to illustrate). Asking what happens from the close of one day to the open of the next is like asking what happens from one trade to the next trade... someone simply decided to sell or pay a different price. Nothing needs to have happened in between.


My thinking is that since the last time a drop like that happened was back in the early 1930's, calling a drop of that magnitude, even if off by 2 years, is still an impressive feat. That's equivalent today to calling the SP500 to be under 400 by a certain date. Sheer insanity to make that kind of call. Not saying either of us is correct, I think we just have different perspectives on accuracy.


"I researched 3 of the major corrections, the 1929 one, the tech bubble, and the housing bubble. The three things they all have in common was people were too complacent in their life, The world was doing pretty well at the time during at least 2 of those. I believe there will be another great war before a recession though. The world isn't fine right now and people aren't complacent. Now perhaps this only means right now"" and not the past 8 years before now though. But any major events happening in the world is taking a slow and steady pace, and the market is making tiny corrections as it goes along. People are accepting the fact the way the world works is rocky so past events wont affect future events if something major does happen. Another thing 2 out of the 3 I researched is they existed when people were taking advantage of something. Buying and reselling houses, creating websites and putting them on the stock market without any value. There are 2 things similar to that right now, phone apps/social networks, and crypto currencies(bitcoin etc). People are taking super advantage of those 2 things right now millionaires are popping out too easily. But if bitcoin and other crypto currencies crash I don't think it'll affect the rest of the market since they aren't a regulated currency. The phone apps and social networks aren't really being super over valued using the stock market in recent times either, with exception to snapchat. All in all, I'll I don't believe there will be another great market crash/recession for at least another 5-10 years."


Before visiting site, check whois to determine the site's registrar. If it is a GoDaddy site, you could copy the contact information and send the website an email stating that you won't use their site because of their connection to GoDaddy. Better make coffee first. There are 50,000,000 sites under GoDaddy management.


I go there and all I see is an overhyped get rich quick conference that you sold tickets in groups to artificially inflate demand. I see no substance. Are you connected to grasshopper labs, where (and I quote) : > the first organization devoted to empowering entrepreneurs through technological innovation and real-world expertise Really? Youre the first? See, hype. Also, youre trying to sell internet phone for $10 a month? You must depend on some pretty NON-tech-savvy customers. I bet youre a people person. Youre probably even nice. But you present yourself as very naive, and your 'goods' dont pass the smell test. Pro tip 1 : dont brag about income. Its non-pro.


Mitt Romney got his money out in time. They just closed our local Staples store. I don't know why there was one in our town of 15k people anyway, there is another store 5 miles away in the next town. It seems that Staples may have been focused on growth of stores rather than smart growth in areas with demand requiring supply.


This may sound a little crazy but I would take $5K of that money and buy whiskey with it (Jack Daniel's would be my preference). My guess is that in 5 years that whiskey will be worth more than the $10K you put in the bank. I just can't see how the dollar survives the next 5 years without a major downward adjustment. If I'm wrong then you have a nice party and give whiskey for Christmas gifts. If I'm right at least you will have some savings instead of $15K of useless dollars. Here is my justification for converting your US dollars into tangible assets. Do you really think the money printing will ever stop?


If you roll your funds from a 401k to an individual Vanguard account it will be in an IRA. Some people talk about IRA loans, but what is happening is that you are given a check for the value of the IRA and you have 60 days to deposit that full amount in another qualified account before being assessed a distribution penalty. The IRS also has rules to prohibit you from making several back-to-back rollovers to try to float the money for longer than 60 days.


"Two possibilities that I can think of: 1) They recognize that it is stealing and just choose to do it anyway because of the unlikelihood of getting caught or punished. 2) They see an ethical distinction between stealing and ""gaming the system"" wherein if the store opens up a loophole it is not wrong to exploit it. EDIT: Note that these are just my theories for the motivations of the people who are participating in this, my own personal opinions are not necessarily reflected in this post."


It's a gift if there are no strings attached. If you are rationalizing it to try to make it a gift for tax or any other purpose when there really is a connection between the transactions, or when you expect any kind of value or benefit in return for it, then it's not a gift... don't make it one and don't call it one. That would indeed likely be fraud. Play be the rules and sleep easy, is how I like to live.


I think this is the biggest problem right here. A salary should be enough to raise a family of 4 on. This should be the actual minimum wage. We already have the productivity for this. Look at how high the un-employment rate around the globe.


"This is the best tl;dr I could make, [original](https://fee.org/articles/the-worlds-poorest-people-are-getting-richer-faster-than-anyone-else/) reduced by 88%. (I'm a bot) ***** > Not only is the proportion of people in poverty at a record low in spite of adding 2 billion to the planet&#039;s population, the overall number of people living in extreme poverty has fallen too. > In the last quarter century, more than 1.25 billion people escaped extreme poverty - that equates to over 138,000 people being lifted out of poverty every day. > That means that in the nation that has by far the largest number of people in extreme poverty, it is the people at the very bottom of the social strata who are getting richer faster. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/796lec/the_worlds_poorest_people_are_getting_richer/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~236394 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*: **Poverty**^#1 **extreme**^#2 **people**^#3 **percent**^#4 **live**^#5"


Yes siree Bob!!! and thats for a fucking Missile Defense that does absolutely fuck all. Now if America pull out of the Iranian Nuclear deal and Iran goes Nuclear, Imagine a fanatical Muslim Turban head with a fucking ICBM. We could get billions of $ poured into a Missile Defense that does absolutely fuck all. What does this have to do with the Economy? . .drink your latte and don't put too much stress on that millennial neuron.


TravelGuysOnline is one of the leading company among the inside all over the world to operate car rental services the domestic and international level. We give offer a modern fleet of comfortable cars at the cheapest price. So before you book your car services, make sure how long you would like to use the car and for how many kilometers. So that you can definitely hire a particular car service and save a lot of money.


I think you raise a very good point here. It is a very well-known fact that the US is not a leader in automated manufacturing. Europe has traditionally been the place that consumes the majority of the automated manufacturing equipment that, in turn, comes out of Japan. Japan specializes in the manufacture of automated manufacturing equipment and has since the US ceded this market to them in the 1950s offering the Japanese access to the technology created at General Motors called ladder logic and programmable logic controllers. These technologies were created from scratch on the shop floor at General Motors at a time when there was a saying that what is good for General Motors is good for the America. This was back before semiconductor transistors were affordable. Those early manufacturing robots actually used arrays of electromechanical relays and ladder logic which is still used till this days in the robots that come out of Japan is still based on metaphorical relays although they are now virtual constructs. The Japanese ran with the tech and now many people believe that the Japanese invented it. Certainly they refined it over the years but the early work was handed to them in part as an effort to win them over from their potential allegiance with the Soviets. Japan was always a much larger lynch-pin than either Korea or Vietnam where the actual military battles went down. What was really scary to America was losing Japan and the transfer of robotics technology to the Japanese was part of the arrangement to keep them cozy with the US military empire. But the largest customer was not within Japan. The actual sales of equipment went to the Europeans. That's where automated manufacturing is currently at its peak. However, things have been rapidly changing and for over a decade the fastest rising automation market has been China. Currently Foxconn or HongHai the large contract manufacturer famous for their Apple contracts is in the process of building an automation base in the middle of Taiwan. If you want jobs in automated manufacturing technology you should be studying Chinese as well as microcontrollers.


I’d suggest going over to Khan Academy. It’s basically a free school with really helpful videos. There are quizzes you can do and forums for each subject. My advice would be to starts the personal finance section because most things build from there and it’ll help you more with real life finance. Good luck!


Every Town has corrupt politicians and gangsters. /U/Fricken is right. Gaming caused the mega-rush, the billion dollar resorts and the 1,000 room towers. They bet big that gambling would be forever contained to Vegas and AC. They were wrong and now they're paying for it, the beach-side city will go back to moderate hotels on the Jersey shore. No different from Sea Bright to Cape May. Regardless, I have my bachelor party there in a few weeks and am giving it one more go.


The biggest hedge funds seem to be copying the large mutual fund company strategy. Launch many funds. Take positions with high beta to the sector or asset class that is the focus of the fund. Wait and see which asset classes outperform. (For Och-Ziff: Their massive bullish bet on credit!) Promote the outperforming funds and their portfolio manager to gullible investors.


Although it is impossible to predict the next stock market crash, what are some signs or measures that indicate the economy is unstable? These questions are really two sides of the same coin. As such, there's really no way to tell, at least not with any amount of accuracy that would allow you time the market. Instead, follow the advice of William Bernstein regarding long-term investments. I'm paraphrasing, but the gist is: Markets crash every so often. It's a fact of life. If you maintain financial and investment discipline, you can take advantage of the crashes by having sufficient funds to purchase when stocks are on sale. With a long-term investment horizon, crashes are actually a blessing since you're in prime position to profit from them.


Who is UpEquity For? While we believe every American deserves the opportunity to invest in their future, space is extremely limited. For that reason, we are only accepting investments from the military community - Active Duty, Reserve, Retired, and Veteran. We hope to expand in the future, but in the meantime, we want to give back to those who have allowed us to live our American dream.


I wouldn't say you should have any particular limit, but it can't hurt to have a higher limit. I'd always accept the increase when offered, and feel free to request it sometimes, just make sure you find out if it will be a hard or soft inquiry, and pass on the hard inquires. From my own experience, there doesn't seem to be any rhyme or reason to the increases. I believe each bank acts differently based on the customer's credit, income, and even the bank's personal quotas or goals for that period. Here is some anecdotal evidence of this: I got my first credit card when I was 18 years old and a freshman in college. It had a limit of $500 at the time. I never asked for a credit line increase, but always accepted when offered one, and sometimes they didn't even ask, and in the last 20 years it worked it's way up to $25K. Another card with the same bank went from $5K to $15K in about 10 years. About 6 years ago I added two cards, one with a $5K limit and one with a $3K limit. I didn't ask for increases on those either, and today the 5K is up to $22K, and the 3K is still at $3K. An even larger disparity exists on the business side. Years ago I had two business credit cards with different banks. At one point in time both were maxed out for about 6 months and only minimums were being paid. Bank 1 started lowering my credit limit as I started to pay off the card, eventually prompting me to cancel the card when it was paid in full. At the same time Bank 2 kept raising my limit to give me more breathing room in case I needed it. Obviously Bank 1 didn't want my business, and Bank 2 did. Less than a year later both cards were paid off in full, and you can guess which bank I chose to do all of my business with after that.


The £500 are an expense associated with the loan, just like interest. You should have an expense account where you can put such financing expenses (or should create a new one). Again, treat it the same way you'll treat interest charges in future statements.


A good quick filter to see if a property is worth looking at is if the total rent for the property for the year is equal to 10% of the price of the property. For example, if the property is valued at $400,000 then the rent collected should be $40,000 for the entire year. Which is $3,333.33 per month. If the property does not bring in at least 10% per year then it is not likely all the payments can be covered on the property. It's more likely to be sinking money into it to keep it afloat. You would be exactly right, as you have to figure in insurance, utilities, taxes, maintenance/repair, mortgage payments, (new roof, new furnace, etc), drywall, paint, etc. Also as a good rule of thumb, expect a vacancy rate of at least 10% (or 1 month) per year as a precaution. If you have money sitting around, look into Real Estate Investment Trusts. IIRC, the average dividend was north of 10% last year. That is all money that comes back to you. I'm not sure what the tax implications are in Australia, however in Canada dividends are taxed very favourably. No mortgage, property tax, tenants to find, or maintenance either.


"Here are some approaches you may value: Wolfram Alpha This is a search engine with a difference. It literally is connected to thousands of searchable databases, including financial databases. http://www.wolframalpha.com/input/?i=list+of+public+companies+ Just keep clicking the ""more"" button until you have them all.You can also get great company specific information there: http://www.wolframalpha.com/input/?i=NYSE%3ADIS&lk=1&a=ClashPrefs_*Financial.NYSE%3ADIS- Just keep clicking the ""more"" button until you have them all.Then the company it'self will have great information for investors too: [http://thewaltdisneycompany.com/investors][3] (Just keep clicking the ""more"" button until you have them all.) Regards, Stephen"


What equal percentage of both you and your girlfriend's income will cover the essential household expenses? Although we earned different amounts, both of us turned over half our income over to the household. Between us this percentage slice from each of our earnings neatly covered all the essentials. The amounts contributed were different, but the contributions where nonetheless equal. Beyond this the financial relationship was fast and loose.


No no no.... ok fine, yes... **but** you can't have that and run a national deficit of 150% of GDP. I don't care what Keynes said, you could have as large a demand as you want, if the majority of all cash flows are going into debt repayments your economies not going to be able to grow, ie: enter a recession.


If this is a practical, rather than hypothetical, question, the best advice that we could give would be to see a lawyer. If you think your teenager has done something illegal, get a lawyer. The lawyer will then take care of notifying the relevant parties and manage the accusations. In most cases, it would be sufficient to notify the police directly. They understand the concept of scams, and many of them have teenagers of their own. Most of the time, they will try to work with you rather than against you. But if you are really worried about it, this is what lawyers do. A lawyer can separate the teenager and the police, so the teenager makes no admissions. But the lawyer can get the necessary information to the police so that neither the teenager nor you is subject to an obstruction of justice charge. We can help you by pointing to resources or suggesting ways to document what has happened or is happening. Or just point out that something is a scam. But if you are worrying about prosecution, we can't really help you. You can't confide the relevant details to us. There is no asker/answerer confidentiality. Everything is published on the internet with archives. Without those relevant details, how good will our advice be? Talk to a lawyer. The lawyer can tell you what you can and cannot do. And what you tell the lawyer is privileged. So even if you admit criminality, the lawyer can't then tell anyone. And if you're worried that the lawyer might be restricted by what you've said, you can fire the lawyer and hire another. The first thing to do when you find yourself in a hole is stop digging. Trying to fix things for your teenager is digging. Go to a lawyer and share your concerns. Maybe some of them are groundless. From what you've shared, you could go to the police. But perhaps there is more that we don't know. If so and you are reluctant to share publicly on the internet, that's sensible. Go to a lawyer and share in private. If you are indigent and can't afford an attorney, look into Legal Aid. They may be in the phone book. If not, call the local bar association and ask for a referral for free legal advice for someone low income. Try to have a generic description of the problem, e.g. you're worried that someone scammed your teenager into doing something illegal. And just to say this one more time. As you've described things, it seems like you should be able to just go to the police and the bank and describe the scam. I don't hear anything that they would prosecute. If you've left something out that changes things, then a lawyer is the way to go. Then you can disclose everything to get advice.


Wut? You realize the south is the most dependent on government aid right? Not to mention all the oil business that does exist is heavily subsidized by the government and those oil states STILL receive higher than average values of government assistance. Go ahead and keep complaining about government assistance, see what happens when people are literally starving. Do you think they will just willingly starve to death rather than grab a gun and steal your food?


> Business Insider analyzed data from the 2015 American Community Survey, an annual survey by the US Census Bureau that talks to 1% of all US ***households*** about various economic, social, and housing demographics. Emphasis mine. Why are they comparing incomes of *individuals* to *households*? Is it just clickbait or is there a point?


You can find the gamut and color accuracy of the GS3 elsewhere. And if you know what any of those numbers mean and how to interpret the results, you'll know you won't need to, because the results are extraordinary—as good as many high end, professional calibrated desktop monitors.


"The number one reason to borrow is quite simple; when you have no other choice. The primary reason to do this is when renovations or additions must be made in a timeframe that precludes you being able to save enough money to pay cash. Harmanjd's example of a kid on the way with no space to put him is a very good hypothetical. Disaster recovery is another; insurance doesn't cover everything and can sometimes be slow to pay out, and even if the payoff will rebuild the house exactly the way it was, these situations are deceptively good opportunities to improve on what you had. Since you already have to call in the contractors to demo and rebuild, the cost to do that is sunk, and the incremental cost of improvements or even additional square footage is relatively minor. Other acceptable reasons to borrow are: When cost of capital is very cheap. A typical amortized HELOC is pretty expensive when paid on-schedule, but if you can pay it off very early (i.e. when you sell the home next month) or you get a good deal on the interest rate (a subsidized disaster recovery loan, perhaps; you have to be careful with these as they're not intended to turn a burnt-down hovel into a McMansion) the cost of borrowing can be acceptable even if you had cash savings for the project. You have other uses for the cash that can offset cost of borrowing. This generally requires the first point to be true as well, as it's a general rule that borrowing $10,000 costs you more than you would gain by investing $10,000, but there are situations in which the reverse can be true (if you have $10k in oil or major tech stocks right now, it would probably be a bad move to liquidate them for home improvements if you can get a HELOC at less than 6%). You can realize a net gain in home value from the reno. These situations are rare in cases of an already livable home; ""flippers"", which make their living on renovating homes for a profit, generally choose homes with obvious but easy-to-fix problems that depress home value because they look worse than they are. If you bought your home without any such problems, you probably paid something close to market value at the time, and so you're probably behind the curve. However, if you (or your family in the case of an estate transfer) have owned the home for a long time, long enough for things to fall WAY out of date, then you can catch up a lot of market value with one renovation, where if the home had had two or three renovations along the way a reno now wouldn't gain you as much value."


I don't like some of the engineering work that I do but yes I do like having a job. I don't think that's a crime - I enjoy the financial and project managing side of my job more than modeling and technical analysis... I'm sorry that I want more information that sounds cool to me and may be something I want to make a career switch towards? Is there something wrong with this reasoning? I can see if it looks a bit naive since I am unsure of some parts of my thinking as well so please let me know if what I fleshed out seems like a ridiculous or dumb decision!


You are incorrect in saying that you have a capital gains of $0. You either have no capital gains activity, because you haven't realized it or you have an unrealized capital gains of -$10k. If you were to sell immediately after receiving the dividend you would end up as a wash investment wise - the 10k of dividend offsetting the 10k capital wash. Though due to different tax treatments of money you may be slightly negative with respect to taxes. You are taxed when you receive the money. And you realized that 10k in dividends - even if you didn't want too. In the future if this bothers you. You need to pay attention to the dividend pay out dates for funds. But then just after they payout a dividend and have drain their cash account. The issue is that you unknowingly bought 90k of stock and 10k of cash. This information is laid out in the fund documentation, which you should be reviewing before investing in any new fund.


"If that pissed you off, this should really get you going. She never got fired. And I was there when they brought the x-ray in. No injury, slight swelling...9 months off. I worked for a large university but her annual salary would have covered 1 year tuition for someone. He often tried to get me to discipline my other employees about trivial matters. I'd point to her and say ""I can't."""


"Listen the fuck up. I'm about to tell you how to get a job in one of the most competitive industries in the fucking country. I did what I'm about to fucking tell you, and it fucking worked. I'm a civil engineer by degree. After a year of slaving away and a raise that hardly kept up with inflation, I got fed the fuck up. Here's what I did. Open up your browser. Chrome is the best, but Netscape will do. Now go to that fucking search engine that owns the rest of them... Bin--- I mean Google. Now search some variation of ""finance firm (insert city)"" or ""private equity (insert city)"". Your goal here is to find the firms or companies around you that you're interested in getting a job with (probably fucking all of them at this point). Now... You've got all these fucking firms that field applications from little shits like you all fucking day long. People always say it, ""You gotta stand out"". What better way to peacock their asses than to e-mail the CEO/Managing Director of the bitch. What's that you say? You don't have their e-mail address? Yeah. Yeah you do. Use the website address as the domain of the e-mail and try a generic jdoe@ or john.doe@ or john@ or johnd@ . One of them will work somewhere between 82%-83% of the time. Now to the content of the e-mail. Don't fucking ask for ""potential employment opportunities"" and don't be a cocky bitch and tell him how qualified you are to get his coffee... Ask him what he does for a living and how you're really interested in what he does (asset management, fixed income, mortgage trading, lean hog trading, PE, VC, angel investing, M&A). The more specific this is, the better. Now craft an e-mail that basically says this: Dear Fuckstick (whatever his name is), I'm a college grad with a degree in something that you give no fucks about. During school, I came to love finance and got an internship at MS. Now, I've been reading books and doing my own DCF modeling training... Maybe learning some coding (make shit up). I don't know what part of finance I want to dive into, but I do know that you're successful as fuck and I wanna suck your dick while I ask you questions becuase you're the smartest mother fucker in the room and I wanna be just like you. Can I buy you a cup of coffee or lunch and pick your brain apart? Hugs and handjobs, Some kid I did something like this for about 6 months, met with 15 powerful and smart ppl (and very coincidentally found out that there's a ponzi scheme going on in my city)... One of them gave me a job... Now go out and don't fucking blow it... Unless they specifically ask."


In short (pun intended), the shareholder lending the shares does not believe that the shares will fall, even though the potential investor does. The shareholder believes that the shares will rise. Because the two individuals believe that a different outcome will occur, they are able to make a trade. By using the available data in the market, they have arrived at a particular conclusion of the fair price for the trade, but each individual wants to be on the other side of it. Consider a simpler form of your question: Why would a shareholder agree to sell his/her shares? Why don't they just wait to sell, when the price is higher? After all, that is why the buyer wants to purchase the shares. On review, I realize I've only stated here why the original shareholder wouldn't simply sell and rebuy the share themselves (because they have a different view of the market). As to why they would actually allow the trade to occur - Zak (and other answers) point out that the shares being lent are compensated for by an initial fee on the transaction + the chance for interest during the period that the shares are owed for.


> neighborhoods it's not neighborhoods, it's areas, big ones. since I moved, closest WF to me now is 108 miles (and then there are two). meanwhile, my county and adjacent areas are bigger in sum than that 108-mile place


When it comes to Real Estate, there are 2 school of thoughts: 1. People who swear that it's the one and best way to make lots of money with RE: flipping, fixer upper, leveraging, whatnot 2. People who don't believe people in #1 above. I belong to #2 with some addendum(s): * you can make a lot of money in Real Estate by becoming a RE Broker (but it's not for everyone) even better if you own a RE agency employing brokers (but it's not for everyone); it's like collecting tolls on the highway, no matter what, you collect a fee. * every portfolio should have a portion allocated to Real Estate, either directly or by means of a REIT. Alas most people who own a home are over-allocated in Real Estate * in some, and very few, parts of the USA one can make a lot of money by buying and managing directly small apartment complex to rent out; these are remote small urban settings, low prices for both buying and renting, but the ratio of price/rent is favorable. Run your own numbers and see if it's profitable *enough* ***for you***.


"Yes, you can create a PayPal business account without having formalized a business with government filings and whatnot. At its simplest terms, ""having a business"" is simply ""doing business as"" (D/B/A) a trade name. You can use the address of a Private Mail Box such as those provided at the UPS Store. Ask any kid with a lemonade stand or a box of Girl Scout cookies - you only need to engage in government formalities like registering an LLC or getting a tax EIN when you cross certain thresholds of activity, and paying for things is generally not it. Also, some of businesses, for some relationships, will require the business formalities like an EIN, which in turn will require creating a trade name and registering it with the state. For instance if you set up a traditional credit card merchant account, they'll probably want that."


Have you tried complaining to the Real Estate Institute in your state, and if that doesn't work try taking them to Fair Trading. I know from doing some work for real estates that getting money from them is like getting blood from a stone, but you just need to keep bugging them, talk to the manager or director, and tell them you have been waiting too long for your money, give them a deadline (not more than 3 business days) and tell them if you have not received the money by then you will make a complaint to the Real Estate Institute and take them to Fair Trading. Sometimes you have to go to the person who owns/ runs the business as the workers usually don't care, especially when it is extra work for them and they get no reward for doing it (plus the longer the Real Estate don't pay you the longer they earn interest on your money).


"I hope you're not blaming the banks for the housing price inflation. It's called supply and demand, and is mostly caused by people, possibly like you, who have unreasonable expectations about the future value of real estate, and thought it would keep rising unrealistically forever. The bank's ""crime"" was to lend money recklessly, to people who could not really afford it. The buyer's ""crime"" was to buy a home they could not afford with the expectations that it would go up in price and they could either flip it or refinance. The real ""criminals"" might be the real estate agents who convinced the buyers they could afford it, and helped them find an avenue to get the money. There were (are?) a lot of unscrupulous, or simply bad, real estate agents out there. But they, too, were naive enough to think houses would continue to rise. tl;dr. We are all to blame. Calling owners ""slumlords"" and blaming them and the banks for your misfortune will only hurt you and make you forever the victim."


I have an ESPP with E*Trade; you can transfer stock like that via a physical (paper) asset-transfer form. Look for one of those, and if you can't find it, call your brokerage (or email / whatever). You own the shares, so you can generally do what you want with them. Just be very careful about recording all the purchase and transfer information so that you can deal properly with the taxes.


no because the price is still being manipulated by HFT. HFT are still getting their $$, I'm just saying how much I want to pay. HFT is still likely front-running me, and even if they're not... because of their special access if both I and an HFT system want at $10.00, HFT will ALWAYS get it first.


That is true. You will not be able to reconstruct the value of the index from the data returned with this script. I initially wrote this script because I wanted data for a lot of stocks and I wanted to perform PCA on the stocks currently included in the index.


I have had it two way now: I got pre-approval from my credit union which just so happened to be one of the bigger vehicle lenders in the metro area. What I found out was that the dealership (which was one of the bigger ones in the metro area) had a computer system that looked up my deal with the credit union. Basically, I signed some contracts and the CU and the dealership did whatever paperwork they needed to without me. I bought a used car and drove it off of the lot that night, and I didn't ever go back (for anything financial) Both my wife and her sister received blank checks that were valid up to a certain amount. In the case of my sister in law, she signed the check, the dealership called to confirm funds and she drove off. In the case of my wife, she ended up negotiating a better deal with dealer finance, but I was assured she only had to sign the check, get it verified and drive the car home.


>How will making energy cheaper help? Cheaper energy is equivalent to a pay raise, only it's also good for business interests. That (theoretically) can allow more competitive pricing of other products, since businesses aren't trapped by high energy costs forming a price floor. That part depends on how competitive each individual market is.


"Setting a certain % of income for pension actually depends on person. ""Always pay yourself first"" This is the quote which I love the most and which I am currently following. If you are planning to do 8%, then why don't you stretch a little bit more to 10%. I suggest you to do monthly review. If you can stretch more, increase % a little more by challenging yourself. This is rewarding. For pension plan, there is SRS Supplementary Retirement Plan where foreigners can also set aside of their money. This is long term plan and you can enjoy tax relief too. The catch is you can only withdraw the money when you reach certain age. Otherwise, you have to pay tax again (certain %) once you decide to withdraw. Serveral banks in Singapore offers to open this account. I suggest to compare pro and cons. If you are planning to work in Singapore for quite long, you may wish to consider this. Useful links http://www.mof.gov.sg/MOF-For/Individuals/Supplementary-Retirement-Scheme-SRS https://blog.moneysmart.sg/budgeting/is-the-supplementary-retirement-scheme-a-waste-of-your-time-and-money/"


Generally speaking, you'll be able to keep it. Your spending ability may be reduced though. The published eligibility criteria aren't necessarily carved in stone anyway. Some road-warrior types with platinum cards who don't necessarily spend $250k a year will get the card offered to them.


Yes, this happens a lot. And in many cases companies don't even know this is happening. Collateralized Debt Obligations frequently contain pieces of the same financial products, where it is not obvious what the underlying asset is. It gets complicated to explain, but I can make an analogy to a portfolio of stocks you might create. Your portfolio contains companies and those companies also own some of the other companies in your same portfolio. The value of all the companies in your portfolio are very interrelated even though you thought you made diversified investments, under the idea that they can't all do poorly at the exact same time. Except they can, if the value of the company's shares are solely based on the value of other company's shares, but nobody noticed that none of them have an actual robust operations. This was a key factor of the financial disaster around 2008, but this problem was solved with the addition of additional disclaimers that all investors agree to, so they know what they are buying


I doubt they can create enough renewable energy to sustain their current spending and GDP levels. So in my opinion, I see even more unrest in the Middle East as the world transitions away from crude oil based fuels.


Yea, good that you have a list of MDs/VPs. You should reach out to them pretty early on, think like early october. To do so too early would be overzealous, and there's no way you can expect someone to identify with you if you've spent only a few weeks at their school. At least get past their full time senior recruiting season in September before talking to HR or any higher up alumni. Then just go full force and contact as many people as you can. As far as recent grads go, only reach out to those class of 2013 or earlier. 2014s don't have any pull at all. You could list your CC GPA next to your CC resume line, or you could omit it entirely from the resume. I don't know that it would be much of a net impact either way though, as nobody is really going to look at that GPA number very closely.


"Note that long term you need to plan for possible inflation, so ""a little bit of return"" generally wants to be at least high enough to offset that plus ""a little bit"". Which is why just shoving it in a bank, while extremely safe, isn't usually the best choice. You need to make some decisions about how you trade off risk versus return, whether you will comfortable riding out a downturn while waiting for recovery, and so on. My standard advice, as someone else who knows how little he knows: It's worth spending a few hundred of those dollars to talk to a real financial planner. (NOT someone who has any interest in selling you particular products, like a broker or agent!) They can help you ask yourself the right questions about comfort and goals and timeframe to pick a strategy which suits your needs. It won't be ""exciting"", but it sounds luke you agree with me that this shouldn't be exciting and ""market rate of return"" (about 8% annually, long term) is generally good enough, with more conservative positions as you approach the point of needing that money."


We're in DotCom Bubble 2. Groupon's release is a great example that despite all the smoke surrounding these technology companies and all the analysts suggesting they're not worth these amounts, people are ready to buy it anyway. But keep in mind profits are made on these turds whether the price goes up OR down. Savvy investors know these stocks are shit. They'll make huge profits on the inevitable price decline after it goes public. Those are the guys you want managing your retirement funds and nest eggs. We've been down this path a decade ago and millions of investors choose to ignore it. Let them buy this garbage up. The smart will profit massively off those failures. They were warned before, they're warned now, so fuck 'em when they're wiped out. They earned it.


They could be one step above fast food with just few servers. Red robin had these kiosks on tables but they messed it up by just using it as a pay kiosk and ad center. Allow me to order full menu from there, bring my food and leave me alone until I call someone in the rare case something goes wrong. They save on employee cost, I get service in a sit down restaurant so both sides should be happy.


"A drop in credit score of 300 is pretty significant, right? You describe the cause of this as ""unfortunate circumstances"". Lets say you observe a mother giving a small child a ball to play with in the median of a busy interstate. Once the inevitable happens, would you also describe that as ""unfortunate circumstances""? Because really it is the same thing. You overextended yourself and did not consider risk in the decision to borrow money. This may sound harsh, but you have proven that you cannot handle credit. So your solution is to borrow more? That makes no sense. The best thing you can do for your credit score is to reduce, then eliminate all debt."


The evening primrose oil comes from evening primrose. Evening primrose seeds are subjected to cold pressure obtaining oil that stands out for its medicinal and healing properties. This oil is very rich in polyunsaturated essential fatty acids- linoleic acid (70%) and gamma-linolenic acid (10%), both of the series of Omega six acids. These fatty acids of Natural Evening Primrose Oil are important precursors of diverse cellular mediators indispensable for the correct functioning and stability of the membranes of the cells of our organism, the development of the nervous and hormonal system and the regulation of the coagulation processes.


The answer depends on whether the company involved has 'limited liability'. Most, but not all public and listed companies and corporations have this, but not all so it is worth checking and understanding what you are getting involved with. The expression 'limited liability' means that the owners (shareholders) of a company have a liability up to the amount of the face value of the shares they hold which they have not yet paid for. The difference is usually minor but basically it means that if you buy $10 of shares you have no liability, but if the company gives you $10 of shares, and you pay them (in cash or kind) $5, then you still have a liability of $5. If the company fails, the debtors can come after you for that liability. An 'unlimited liability' company is a different animal altogether. Lloyds insurance is probably the most famous example. Lloyds worked by putting together consortiums to underwrite risk. If the risk doesn't happen, the consortium keeps the premiums, if it does, they cover the loss. Most of the time they are very profitable but not always. For example, the consortiums which covered asbestos caused the bankruptcies of a great many very wealthy people.


It is believed that Krishna spent his childhood here and a few traces of his childhood which are mentioned in the Granthas are found here.Main places of attraction in Nandgaon.You can also see Nandgaon temple from here.Mathura is situated the venerable village of Nandgaon.


Wait, I know this one! Because... 1) Cities suck, and people only put up with them for good jobs in the first place, and... 2) Their one redeeming quality is tons of great jobs, and... 3) Millennials don't have the 20+ years of experience needed to get a job anywhere in the US currently, and... 4) It costs a hell of a lot less to live in the middle of nowhere than in Manhattan? Wait, remind me again why people *ever* decided to live in cities? \#1 ain't good enough, even for a non-Millennial like me...


Don't discount regulatory issues (the mess that was CableCard, Tru2Way, tuning adapters, and the lack of AllVid) and monopolistic pressure (the cable companies liked receiving $5/box/month and don't want to give any of that income up, combined with fear of becoming the dumb pipe they really are so they applied as much pressure as possible against good regulations).


"I had experience working for a company that manufactures stuff and giving products to the employees. The condition was to stay employed for a year after the gift for the company to cover its cost (I think they imputed the tax), otherwise they'd add the cost to the last paycheck (which they did when I left). But they were straight-forward about it and I signed a paper acknowledging it. However, in your case you didn't get a product (that you could return when leaving if you didn't want to pay), but rather a service. The ""winning"" trip was definitely supposed to be reported as income to you last year. Is it okay for them to treat me differently than the others for tax purposes? Of course not. But it may be that some strings were attached to the winning of the incentive trip (for example, you're required to stay employed for X time for the company to cover the expense). See my example above. Maybe it was buried somewhere in small letters. Can they do this a year after the trip was won and redeemed? As I said - in this case this sounds shady. Since it is a service which you cannot return - you should have been taxed on it when receiving it. Would the IRS want to know about this fuzzy business trip practice? How would I report it? Here's how you can let them know. Besides now understanding the new level of slime from my former employer is there anything else I should be worried about? Could they do something like this every year just to be annoying? No, once they issued the last paycheck - you're done with them. They cannot issue you more paychecks after you're no longer an employee. In most US States, you are supposed to receive the last paycheck on your last day of work, or in very close proximity (matter of weeks at most)."


No he's arguing for a lower US Corporate tax rate specifically on overseas earnings. Because companies are earning overseas and not taking it back to the US because of our double taxation. He absolutely does not want higher taxes


Become your own boss web business can be easily done with great fortune. The bonus are apparent to running your own kind of business particularly online, however, what you require to attain those bonus might not be so apparent. There’re various elements, however, the 3 most essential elements are mindset, proper training and education and posting yourself as a leader.


"got asked a similar question to this... ""how many tennis balls can fit in an suv?"". I found these tough, as its hard to calculate the area of spheres on scratch paper (4/3pi r^3). Got any tips?"


#####&#009; ######&#009; ####&#009; [**Las Vegas**](https://en.wikipedia.org/wiki/Las%20Vegas): [](#sfw) --- >__Las Vegas__, /lɑːs ˈveɪɡəs/ (locally, also pronounced as /lɑːs ˈvɛɡɨs/) officially the __City of Las Vegas__ and often known as simply __Vegas__, is the most populous city in the [state](https://en.wikipedia.org/wiki/State) of [Nevada](https://en.wikipedia.org/wiki/Nevada) and the [county seat](https://en.wikipedia.org/wiki/County_seat) of [Clark County](https://en.wikipedia.org/wiki/Clark_County,_Nevada). Las Vegas is an internationally renowned major [resort city](https://en.wikipedia.org/wiki/Resort_town) known primarily for gambling, shopping, fine dining and nightlife and is the leading financial and cultural center for [Southern Nevada](https://en.wikipedia.org/wiki/Southern_Nevada). The city bills itself as [The Entertainment Capital of the World](https://en.wikipedia.org/wiki/The_Entertainment_Capital_of_the_World), and is famous for its mega casino–hotels and associated entertainment. A growing retirement and family city, Las Vegas is the [31st-most populous city](https://en.wikipedia.org/wiki/List_of_United_States_cities_by_population) in the United States, with a population at the [2010 census](https://en.wikipedia.org/wiki/2010_United_States_Census) of 583,756. The 2010 population of the [Las Vegas metropolitan area](https://en.wikipedia.org/wiki/Las_Vegas_metropolitan_area) was 1,951,269. The city is one of the top three leading destinations in the [United States](https://en.wikipedia.org/wiki/United_States) for conventions, business and meetings. Today, Las Vegas is one of the top tourist destinations in the world. >==== >[**Image**](https://i.imgur.com/IcSJT32.jpg) [^(i)](https://commons.wikimedia.org/wiki/File:Downtownlasvegas.JPG) --- ^Interesting: [^Las ^Vega's](https://en.wikipedia.org/wiki/Las_Vega%27s) ^| [^Las ^Vegas ^Valley](https://en.wikipedia.org/wiki/Las_Vegas_Valley) ^| [^Las ^Vegas ^\(TV ^series)](https://en.wikipedia.org/wiki/Las_Vegas_\(TV_series\)) ^| [^Las ^Vegas, ^New ^Mexico](https://en.wikipedia.org/wiki/Las_Vegas,_New_Mexico) ^Parent ^commenter ^can [^toggle ^NSFW](http://www.np.reddit.com/message/compose?to=autowikibot&subject=AutoWikibot NSFW toggle&message=%2Btoggle-nsfw+cjoh65h) ^or[](#or) [^delete](http://www.np.reddit.com/message/compose?to=autowikibot&subject=AutoWikibot Deletion&message=%2Bdelete+cjoh65h)^. ^Will ^also ^delete ^on ^comment ^score ^of ^-1 ^or ^less. ^| [^(FAQs)](http://www.np.reddit.com/r/autowikibot/wiki/index) ^| [^Mods](http://www.np.reddit.com/r/autowikibot/comments/1x013o/for_moderators_switches_commands_and_css/) ^| [^Magic ^Words](http://www.np.reddit.com/r/autowikibot/comments/1ux484/ask_wikibot/)


I imagine that it wouldn't affect consumer debt significantly. Individuals are separate entities from their government like how stockholders are separate entities from a corporation. It would probably make it harder for the country to raise money through bonds. Who wants to purchase bonds from a country that won't pay you back?


We still need coal. Manufacturing should be relatively easy to bring back; we just need to commit to bringing it back. This will also mean higher prices, higher tariffs, and possibly a trade-war. Consider that Chinese industry grows based only upon on western ideas and technology, which they steal more than any other nation.


"You sound like you're well educated, well spoken, and resourceful, so I'm going to assume that you are somewhere in the neighborhood of top 5% material. That means you can pretty much do anything you want to if you put enough effort into it. There are two types of people in this world: those who run the world and those who live comfortably in it (and, of course, everyone else, but they are irrelevant to the discussion). Who do you want to be? I've been around a lot of wildly successful people, and they have two consistent traits: connections and freedom. First, everyone always told me that ""it's not what you know, it's who you know"", but I never appreciated it until after college. The world runs on connections. The more connections you have, and the more successful they are, the more successful you will be. Second, the more freedom you have, the more opportunity you will have to take chances, which is how you become wildly successful. Freedom comes from not being in debt (first) and having money (second). Why do you think Harvard grads are the guys that end up having so much money and power? It's probably because they grew up in a rich family which provided them money (freedom) and a wide social circle of rich people (connections). So you're not rich. What to do? Well, the easiest way to get into that group is to go to college with them. And that means you need to get into Harvard or another Ivy League. Stanford if you want to be an engineer. College will be where you will make your most intense and long-lasting friendships. That roommate at Harvard that you went on the crazy four-day road trip with may someday be CEO of a company... and when he needs a CIO, you can be damn sure you'll be at the top of the list if you're qualified. But Harvard costs a lot of money...which means you'll be in debt, a lot, when you get out of college. You'll have lots of rich, important friends(connections), but you'll be deeply in debt (no freedom). Most of these type of people end up becoming consultants at big firms because they pay well. You'll live a comfortable life and pay off your student loans in five or 10 years. Then you'll continue to live comfortably, but at that point you'll be too old to take huge chances and too comfortable to change things (or perhaps you'll have a big mortgage = no freedom). With a heavy debt load, it's almost impossible to, say, join an early stage startup and really be able to take huge chances. You can do it, maybe. Or, as an alternate option, you can do what I did. Go to a cheap state school and graduate with no debt. That puts you on the other side of the fence: freedom, but no connections. Then, in order to be successful, you have to figure out how to get connections. Goldman Sachs won't hire you, and everyone you meet is going to automatically assume you're mediocre because of where you went to college. At this point, your only option is to take big chances. Move to New York or San Francisco, offer to work for free as an intern somewhere or something. It can be done, and it's really not too hard, you just have to have lots of spending restraint because the little money you have has to go a long way. So what are the other options? Well, some people are recommending that you think about not going to college at all. That will certainly save you money and give you a four year head start on whatever you decide to do (freedom), but you'll forever be branded as that guy without a college degree. Think my second option above but just two or three times worse. You won't even get that free internship, and you'll be that weird guy at dinner parties who can""t answer the first question ""So, where did you go to college?"". It doesn't matter if you're self-taught; life isn't a meritocracy. If you're very good, you'll end up getting a nice cushy job pushing ones and zeros. A nice cushy golden handcuff job. Well, you could go to community college. They're certainly cheap. You can spend very little money so you'll end up with fairly good freedom. I might add, though, that community colleges teach trades, and not high-level things like management and complex architecture. You'll be behind technically, but not as bad as if you didn't go at all. How about connections? Your fellow students will probably lack ambition, money, and connections. They'll be candidates for entry-level wage slave jobs at Fortune 500 companies after they graduate. If they get lucky, they'll work up to middle management. There's no alumni association, and there's certainly no ""DeVry Club"" in downtown Boston. At New York and Silicon Valley dinner parties, having a community college degree is almost as bad as having nothing at all. Indeed, the entire value of the community college degree will be what you learn, and you'll be learning at the speed and level of your classmates. My advice? If you get into an Ivy League school, go and hope you get some grants to help you out. The debt will suck, but you'll be well positioned for the future. Otherwise, go to a cheap second-tier school where you can get a large scholarship. There are also lots of third-party scholarships that are out there on the Internet you can get. I got a couple from local organizations. Don't work during college. Focus on expanding your network instead; the future value of a minimum wage job while you're trying to go through school is practically zero."


The informational goal about the ratings is an objective opinion about the companies ability to repay the money owed. Debt rating agencies even provide tables where grades correspond to a range of default probabilities. The argument I am making is they do not go about their business of giving accurate probabilities of default.


Trading volumes are higher at the end of the day as many traders close their open positions. In the morning however, traders incorporate various factors like performance of worldwide markets overnight, any corporate or government announcements, global macro events, etc.


Offer them $500 with the condition that you will have paid your liability in full and they don't report to the bureau. If they give you grief, hang up on the guy. Be aggressive and assertive -- the collector is going to get chewed out if he can't collect on something this simple. Don't allow them to give you some guilt trip, and don't sweat the deadline.


That may be true but what will happen is that every carrier raises prices. In an oligopoly it will be an opportunity to act as an ensemble. So maybe after a while costs will be driven down but in the short it will probably only raise prices. And also it creates a situation where the a service that was previously accessible to all customers will now only be available to the ones willing to pay whatever the cost of an actual human behind the telephone is. So in the short run it will only increase telecom costs. Also since having a phone or internet in something you can just opt out of everyone will be more or less forced to accept this practice. Again the oligopoly is where can find the cause.


"Can confirm - when I owned my business I would outsource some of the ""lesser"" work to a guy in the Philippines - he was more than $15/hr. This was about 5 years ago, I don't remember exact rate, but I think was about $25/hr. And it was worth it. I had a guy in the US too, who was great and worth every penny, but I couldn't afford him for everything so I used the guy in Philippines for the smaller stuff. I would feel terrible and insulting asking my guy here to work for less. He was worth what he was asking."


När man tänker på skyltar är det lätt att man tänker på hotell, restauranger och större företag som visar upp sig med stora skyltar. Men faktum är att en skylt kan bli minst lika snygg och effektfull hemma. Bor du i hus? Ja då har du alla möjligheter att sätta upp en snygg skylt. http://focusneon.se/


The reason is bc to be profitable they have to keep the majority of their cars rented out at any given moment. What you see on the lot is less than 10% of their fleet. They really do try to keep your class of vehicle reserved, but the logistics get complicated, quickly. They employ drivers who's job is to try to get the right class of vehicle to the right location at the right time. This further complicates things tho because that means one store just lost a vehicle from their fleet, while another gained one. It is very hard to predict at any given moment what a location's fleet will be composed of. Edit: also, pro tip: don't reserve a convertible. They're going to stick you with whatever convertible they have on the lot (might be shit). But if you reserve a luxury class vehicle, and when you get to the lot you see a nice convertible you want, ask to switch to that. If you don't get your nice convertible you'll at least have a guaranteed nice car.


There can be a good reason if you own shares issued in a different country: For example, if you are in the UK and own US shares and take the dividend payments, you get some check in US dollars that you will have to exchange to UK£, which means you pay fees - mostly these fees are fixed, so you lose a significant percentage of your dividends. By reinvesting and selling shares accumlated over some years, you got one much bigger check and pay only one fee.