Your understanding of the stock market is absolutely correct theoretically. However there is a lot more to it. A stock on a given day is effected by a lot of factors. These factors could really be anything. For example, if you are buying a stock in an agricultural company and there was no rainfall this year, there is a big chance that your stock will lose value. There is also a chance that a war breaks out tomorrow and due to all the government spending on the war, the economy collapses and effects the prices of stocks. Why does this happen? This happens because bad rainfall or war can get people to lose confidence in a stock market. On the other hand GDP growth and low unemployment rates can make people think positive and increase the demand in a stock driving the prices up. The main factor in the stock market is sentiment(How people perceive certain news). This causes a stock to rise or fall even before the event actually happens. (For example:- Weather pundits predicted good rainfall for next year. That news is already known to people, so if the weather pundit was correct, it might not drive the prices up. However, if the rainfall was way better than people expected it to be it would drive the price up and vice versa. These are just examples at a basic level. There are a lot of other factors which determine the price of the stock. The best way to look at it(In my personal opinion) is the way Warren Buffet puts it, i.e. look at the stock as a business and see the potential growth over a long period of time. There will be unexpected events, but in the long run, the business must be profitable. There are various ways to value a company such as Price to earnings ratios, PEG ratios, discounted cash flows and you can also create your own. See what works best for you and record your success/failure ratio before you actually put money in. Good Luck,


"I've never heard of a loan product like that. Yes, if they keep the funds in an account, it is no risk to the bank, but they would essentially need to go through the loan process twice for the same loan: when you pick a house, they need to reevaluate everything, along with appraising and approving the house. Even if you did find a bank that would do this for you, there are a few problems with this scheme. You would be paying interest before you have a need for this money, negating the savings you might achieve if the interest rates go up. In addition, your ""balance"" will go down as ""payments"" are deducted from your loan, and when you finally find a home to buy, you might not have enough for the house you want. You'll need to borrow more than you need, which will further negate any possible savings. It is impossible to know how fast rates will climb. If I were you, I would stick to saving for your down payment, and just get the best rate you can when you are ready to buy. Another potential idea for you is to lock an interest rate. When you apply for a mortgage, the interest rate is often locked for as much as 60 days, to protect the borrower in the event that the rates go up. You could ask the bank if you can pay a fee to lock the rate even longer. I don't know if that is possible or not. And, of course, the fee would eat into your potential savings."


"Seems like you are concerned with something called assignment risk. It's an inherent risk of selling options: you are giving somebody the right, but not the obligation, to sell to you 100 shares of GOOGL. Option buyers pay a premium to have that right - the extrinsic value. When they exercise the option, the option immediately disappears. Together with it, all the extrinsic value disappears. So, the lower the extrinsic value, the higher the assignment risk. Usually, option contracts that are very close to expiration (let's say, around 2 to 3 weeks to expiration or less) have significantly lower extrinsic value than longer option contracts. Also, generally speaking, the deeper ITM an option contract is, the lower extrinsic value it will have. So, to reduce assignment risk, I usually close out my option positions 1-2 weeks before expiration, especially the contracts that are deep in the money. edit: to make sure this is clear, based on a comment I've just seen on your question. To ""close out an options position"", you just have to create the ""opposite"" trade. So, if you sell a Put, you close that by buying back that exact same put. Just like stock: if you buy stock, you have a position; you close that position by selling the exact same stock, in the exact same amount. That's a very common thing to do with options. A post in Tradeking's forums, very old post, but with an interesting piece of data from the OCC, states that 35% of the options expire worthless, and 48% are bought or sold before expiration to close the position - only 17% of the contracts are actually exercised! (http://community.tradeking.com/members/optionsguy/blogs/11260-what-percentage-of-options-get-exercised) A few other things to keep in mind: certain stocks have ""mini options contracts"", that would correspond to a lot of 10 shares of stock. These contracts are usually not very liquid, though, so you might not get great prices when opening/closing positions you said in a comment, ""I cannot use this strategy to buy stocks like GOOGL""; if the reason is because 100*GOOGL is too much to fit in your buying power, that's a pretty big risk - the assignment could result in a margin call! if margin call is not really your concern, but your concern is more like the risk of holding 100 shares of GOOGL, you can help manage that by buying some lower strike Puts (that have smaller absolute delta than your Put), or selling some calls against your short put. Both strategies, while very different, will effectively reduce your delta exposure. You'd get 100 deltas from the 100 shares of GOOGL, but you'd get some negative deltas by holding the lower strike Put, or by writing the higher strike Call. So as the stock moves around, your account value would move less than the exposure equivalent to 100 shares of stock."


There is plenty of over-rationalisation in the majority of these answers, when the simple answer is that it is simply down to statistics. Say an insurer had two pieces of information about two separate drivers: annual mileage, and whether they had had an accident in the last 3 years. Driver A drives 10,000 miles a year and hasn't had an accident in the past 3 years. Driver B drives 500 miles a year and hasn't had an accident in the past 3 years. Which would the insurer think was the safer bet? The answer is A, and this makes his premiums lower. The reason for this is that the insurer has a lot more data about Driver A than Driver B: they know that Driver A has driven 30,000 miles without having an accident. This could, of course, be luck, or a fluke, but it is likely that Driver A is actually a safe driver. The chance that Driver A hasn't had an accident just through sheer luck and that they are actually a terrible driver is quite slim. On the other hand, Driver B has only driven 1,500 miles in the past three years. Whilst this seems like prima facie evidence of them being as safe a driver as Driver A, it is much more likely that Driver B could have driven 1,500 miles and avoided an accident through sheer luck, even though they are a terrible driver. This means drivers who drive low amounts of mileage will be penalised relative to other drivers who have high mileage. It has nothing to do with insurers taking a judgement that 'doing more mileage makes you more experienced' or 'makes you a better driver' as others have suggested here (although, it is probably true - it's not quantifiable from an insurer's perspective).


The catch is in the Premium amount you pay. In a pure term insurance, there is no survival benefit. You get paid only for the event, i.e. when you die during the policy term, the sum assured is paid to your nominee. The money back on the other hand, charges a huge premium, typically 5X more than the pure term, part of it is for the risk cover. The balance is then invested in safe instruments and at the end if you survive you would get that money. Typical calculations would show that if you had yourself invested the difference in premium even in CD's you would get much more money back. The reason this product is available in the market is more of people cannot part with money when they don't get anything back. To these vast majority, it looks like insurance company is taking all their money and doesn't give them back if they survive. Hence to make it seem better to these vast majority, there is money back. Hence people all over the world buy these policy much more than a pure term policy.


Codecademy is a fantastic way to learn basic language syntax and understand what the end goal of these most basic operations is. I agree though that if a critical person uses it to base all their understanding of programming/technology on, everyone's going to suffer forever. Especially given CEO egos.


I work at a leasing (financial) company and I completely agree. The only Apple products you will use are the iPhone-if it is bring your own device- or the iPad, if adoption of the Microsoft tablets does not take place. Excel is your best friend in finance and that is why I recommend a PC. No one at our company uses a Mac.


> they use their size to heavily influence their supply chain and push them to lay off employees and make other cuts this is good. it results in cheaper products for everyone. it promotes efficiency. we don't need people doing what those people did, with machines and technology. they can now get jobs doing something efficient instead of something unnecessary. should we have people for instance making pipes by hand still when a machine can do it better in seconds. that person can then do something else to bring down prices elsewhere. this is basic economics. > There is no competition for labour they can pay them whatever they want really. there are no other places a person with that level of training can work?


Cost. If an investor wanted to diversify his portfolio by investing in the companies that make up the S&P 500, the per-share and commission costs to individually place trades for each and every one of those companies would be prohibitive. I can buy one share of an exchange-traded fund that tracks the S&P 500 for less than the purchase price of a single share in some of the companies that make up the index.


I mean, they have their original series. They have BBC and AMC shows. Apart from that they've lost most of their other shows. They do have great movies but I've seen most of them years ago. That leaves me waiting for new releases, which are usually disappointing. Their originals have been pretty disappointing lately too.


I disagree - shit rolls downhill, and if someone above reddit's admins is shitting down fire because their analyst told them that too many of Conde Naste's competitors are making it to reddit's front page, then you better believe that reddit's admins will try to avoid getting shit on, even if the boss is wrong.


In Finland, this happens all the time - it's all about having an official ID, they don't even ask your bank account number or the card. However, as no location was specified in the question, I guess it could be anything. The stronger the requirement for official personal id is in your country, the better odds you have with just using that. Where I live it is quite strong.


Looking at https://www.gov.uk/student-finance/who-qualifies, it says: You can only apply if: As you meet all three requirements I think you are counted as a English student in every respect. I would advise applying as soon as possible though to verify this. EDIT: also, getting a British passport anyway might not hurt; it makes sense as you've spent almost all your life here, and it would insulate you against any issues that might arise if Britain ends up leaving the EU.


There was an [article](http://www.theatlantic.com/magazine/archive/2012/01/making-it-in-america/8844/) a couple of months back. One of the major take-aways from the article was that, for the auto parts factory, their line for whether to buy a robot or use humans for a task came at 2 years. If the robot could replace enough workers to pay for itself in 2 years, the robot won. If you're talking about a factory operating 24 hours a day, a robot costing less than 6 man years of salary and capable of operating 24 hours a day for 2 years would win and 3 workers would lose. Personally, it seems like there's always more work that could be done, and people should be looking for ways to move higher up the value tree - either into tasks that are hard to automate, or into roles that accelerate the automation. If, as a society, we're able to free people up from the basic tasks needed for survival, we can progress faster on other things. It's not like this is the first time that there's been a revolution in how labor is allocated. It used to be everybody farmed their own land for survival, then techniques in farming got better and some farmed land while others started making other things to trade for food. Then crops started producing things like cotton and people would work to turn the cotton into things to trade for food or housing or whatever, and people specialized, then machines started farming and more people were in factories, and then more people in factories with machines, etc. If you asked someone from a time when everybody worked their own land for survival to look what modern people have, they might look and wonder how you eat when you don't have enough land to grow food on.


This is the second article I read this week where these casual chains blame Millennials. Neither mention that, perhaps, people just don't really value going to a restaurant and being served microwaved and fried pre-cooked junk. Glamorized TV dinners. The vast majority of the time when a restaurant fails, it's because the food isn't good. It's not demographics or whatever else they want to blame it on. The. Food. Sucks.


All transactions involving fraud or theft are void by their nature. Title to your money never changes hands. You are entitled by law to have assets stolen from you returned to you. In cases of negligence or broker malfeasance, lawsuits or SIPC protection are your primary recourse.


The US prefers an endless conflict. It is an excuse to keep large military forces in the heart of Asia, and endless war helps line pockets of well connected folks in DC. The point of US wars tends to be justifying huge Pentagon budgets and enriching the owners of the Military Industrial complex. At its heart, the purpose is to extract wealth from US Tax Payers in a way they are unlikely to oppose because of propaganda related to security and patriotism.


I lived in a non tipping country before coming to the US. Tipping is a far better system. In non-tipping world, the service is typically awful. Servers do the bare minimum to not get fired. There is no incentive. The prices are far higher than US prices + Tip, as the restaurant needs to pay salary to inefficient servers. Tipping culture has driven the US to be an amazing service country. Prices including the tip are still lower than most other western countries AND servers at any busy establishment make far more money. In many countries servers are making around minimum wage, perhaps up to 20% over minimum wage. In the US, great wait staff can earn 6 figures in a good establishment. Tipping is better for customers, better for motivated workers, and better for restaurant owners.


At least on 25K. Here's the actual IRS publication, it's fairly complex and the limits depend on the types of organization you're donating to, and the types of property you're donating. Some donations may be limited to the maximum of 20% of your AGI. Bottom line - the maximum you can deduct in almost all circumstances would be 50% of the AGI (very few exceptions allow deducting up to 100% of your AGI). Worth mentioning that whatever you cannot deduct this year - you can roll over to the next year.


"Nothing ""conspiratorial"" - just standard tax optimization scheme as shown by Google & Apple. > Grocery store workers are not underpaid. If they were, they could walk across the street and make more money at a competitor. From the point of supply and demand, they are actually overpaid - lots of desperate people that agree to the barest minimum allowed by law (and below that, if you include illegal aliens). Still doesn't mean they are paying the living wage. >The vast majority of food products sold in grocery stores in North America are grown, manufactured and sold right here in North America 20% are imported. And they don't have to set up a ""supply chain"" - just the bare minimum to legally siphon funds into another company they own, be it via interest on credit, rent, intellectual property (i.e. franchise or trademark payments) or anything else."


Yes, it is a scam. Think about it: Why would a stranger offer to give you money? Why would she need you to pay her own employees? She wouldn't. It is a scam. You have more to lose than just the $25 that is in the account. Just as has happened to your dad before, you will be receiving money that is not real, but paying real money out somewhere else. One more thing: If your dad has fallen for these scams so many times that he can't get a bank account anymore, why are you still taking financial advice from him?


"What about 2nd hand pants from Craigslist? Walmart's ""evil policies"" are the reason they can offer those cheap prices people ""need"". It's hypocritical to claim to be against those practices while you continue to take advantage of those low prices. It's as hypocritical as welfare recipients who are ""against big government."""


Because they believe that negative interest rates will force people to push capital around, and promote investment to avoid the negative interest rates associated with having your cash sitting in an account. Most likely they will be banning cash within the next 10 years anyway which will prevent you from being able to keep it yourself. You will either need to: or


"This is common practice I would suprised that there was multinationals not doing this. What is funny though is when auto companies in Australia get government grants to be viable but then send the same amount of money back to the US for ""branding licence"". Looking at you General Motors"


>you're fooling yourself if you think they don't have advantages over retail investors. Well clearly they have resources connections, more clout when speaking to their investees, etc. but what I meant is it's not as big of an advantage as most people believe it is. Also with derivatives you're right its a whole different ball game. I'm a finance student and I invest my own money to learn, and to grow my wealth slowly and intelligently. The thing is I never touch derivatives(probably because I haven't studied them much yet). Also I come from a very Benjamin Graham value investing background so that is why I think that an average investor with a retail brokerage account can beat the institutions. This energy thing is not something that I think can be capitalized upon, however.


For exchange contracts, yes. A trader can close a position by taking an offsetting position. CME's introduction to Futures explains it quite well (on page 22). Exiting the Market Jack entered the market on the buy side, speculating that the S&P 500 futures price would move higher. He has three choices for exiting the market:


"In general economic theory, there are always two markets created based on a need for a good; a spot market (where people who need something now can go outbid other people who need the same thing), and a futures market (where people who know they will need something later can agree to buy it for a pre-approved price, even if the good in question doesn't exist yet, like a grain crop). Options exist as a natural extension of the futures market. In a traditional future, you're obligated, by buying the contract, to execute it, for good or ill. If it turns out that you could have gotten a lower price when buying, or a higher price when selling, that's tough; you gave up the ability to say no in return for knowing, a month or three months or even a year in advance, the price you'll get to buy or sell this good that you know you need. Futures thus give both sides the ability to plan based on a known price, but that's their only risk-reduction mechanism. Enter the option. You're the Coors Brewing Company, and you want to buy 50 tons of barley grain for delivery in December in order to brew up for the Super Bowl and other assorted sports parties. A co-op bellies up to close the deal. But, since you're Coors, you compete on price with Budweiser and Miller, and if you end up paying more than the grain's really worth, perhaps because of a mild wet fall and a bumper crop that the almanac predicts, then you're going to have a real bad time of it in January. You ask for the right to say ""no"" when the contract falls due, if the price you negotiate now is too high based on the spot price. The co-op now has a choice; for such a large shipment, if Coors decided to leave them holding the bag on the contract and instead bought it from them anyway on a depressed spot market, they could lose big if they were counting on getting the contract price and bought equipment or facilities on credit against it. To mitigate those losses, the co-op asks for an option price; basically, this is ""insurance"" on the contract, and the co-op will, in return for this fee (exactly how and when it's paid is also negotiable), agree to eat any future realized losses if Coors were to back out of the contract. Like any insurance premium, the option price is nominally based on an outwardly simple formula: the probability of Coors ""exercising"" their option, times the losses the co-op would incur if that happened. Long-term, if these two figures are accurate, the co-op will break even by offering this price and Coors either taking the contract or exercising the option. However, coming up with accurate predictions of these two figures, such that the co-op (or anyone offering such a position) would indeed break even at least, is the stuff that keeps actuaries in business (and awake at night)."


This is a perfect example of why bonds are confusing at first glance. Think about it this way... You buy a 30-year Russian Bond at 4%. An event happens that makes Russia risky to invest in. You want to buy another bond but fuck 4%, you and the rest of the market want 6% to compensate you for the risk. Now let's say you want to sell your 4% bond... Well you're going to have to drop the price of that bond in order for it to appeal to an investor that could go out and get a 6%. On a 30-year bond of that kind, you're looking at about 75% of what you bought it for. So to wrap it up, high bond yields are great for buyers that don't already own them, but bad for sellers who want to get rid of their old ones. It is the opposite intuition as stocks and almost everything else.


The major reason to start an LLC for side work is if you want the additional personal liability protection afforded by one. If you're operating as a sole proprietor, you may be exposing yourself to liability: debts and judgments against your business can put your personal assets at risk! So, if you're intending to continue and grow your side work in the future, you ought to consider the LLC sooner than later. It's also an important legal decision and you should consider seeking a professional opinion. The Wall Street Journal has a brief guide titled How to Form an LLC. Here are some notable excerpts: A limited liability company, or LLC, is similar to a partnership but has the legal protections of personal assets that a corporation offers without the burdensome formalities, paperwork and fees. [...] Some states charge annual fees and taxes that can diminish the economic advantage of choosing to become an LLC. Among LLC advantages: pass-through taxation – meaning the profits and losses “pass through” the business to the individuals owning the business who report this information on their own personal tax returns. The result can be paying less in taxes, since profits are not taxed at both the business level and the personal level. Another plus: Owners aren’t usually responsible for the company’s debts and liabilities. [...] Also check out onstartups.com's Startup 101: Should You Form An Inc. or An LLC? Here are some additional articles that discuss the advantages / disadvantages of forming an LLC:


"You're asking an intensely debatable question. You'll have some people believe that the short-term effects on tax cuts will be an increase in the deficit, but long-term provide more economic prosperity that then eventually translates into higher tax revenue (the Laffer Curve). You'll have others state that it'll simply increase government debt and make us even more indebted, and the benefits of tax cuts will be marginal at best. Large enough shocks, such as a war, cause market downturns due to heightened uncertainty. These are pretty unavoidable (we had a small shock with North Korea's nuke test). > I ask because the economic fundamentals of U.S/Western Europe are strong. Why do you think this? > B. What will be the geopolitical result? Does China back NK to prevent a immigration crisi/power vacuum or do they side with the UN/U.S and allow military destruction of NK in the event of a NK-started war? Also intensely debatable. Does China grow too tired of NK and simply acquire it itself? Does it keep it separate as a distraction to pin down U.S. attention? Does the U.S. pre-emptively strike NK leadership? Does it leave a vacuum there, close enough that China can keep an eye on it, or does it ""surge"" like Iraq? Would South Korea get it? These are extremely open-ended questions that could have debates rage around them for years."


Let me just say that Argentina didn't fail because of protectionism, it failed because of collectivism and government control of businesses like all familiar communist countries failed. It's actually a good argument against socialism in general against those who say it's superior to communism.


I worked in constituent affairs. A normal day for me ranges from finding low-income homes, handling unemployment insurance checks that get held up, finding open rehab centers for people who are having trouble finding treatment centers. Is it remotely connected to a court case? Now I have to find a way that is completely sterile from the legal proceedings. Do I give help to the one person calls who is being kicked out of their home in 4 days and is sick, or do I have to find some shelter for the people with children first? I love my job, but pray tell, with my 28,000 a year salary, what special privilege do I get by trying to maximize assistance for people with minimal resources? I am interested to hear this so I can go to work and demand them.


At Success Focus we believe that everyone deserves to achieve the goals they set for themselves. Our mission is to make them capable of achieving these goals, break through their barriers and live a more fulfilling life through effective, non-judgmental support.


"Those are actually causing demonstrable harm, in the forms of child abuse and murder. Saying ""X group is terrible and should all go die"" is hateful and ignorant, but not actually harmful. Saying ""I will kill this person for money"" is an express intent to murder somebody. Saying ""look at these children I sexually abused"" is admitting to sexual abuse of a child. Even if you're just running the sites and not involved in the activity, you are still facilitating and encouraging it. Any more spurious comparisons you'd like shot down?"


"Wow. You are fucking retarded.... UBI is bullshit and not going to happen (thankfully) and ""job theater"" is a tucking bullshit term that I've never heard before and never wish to hear again. You millennial are way too fucking innocent. The world owes you fucking zilch. You are entitled to nothing. A functioning society does not pay people money ""just because"". If you don't contribute to society then you deserve nothing. You've actually just shown why bigger government is fucking stupid. These people do nothing for society yet they would work in some ""job theater"" bullshit organization. Why not just cut out the middleman and give them money without making them ""work""? And of course there would be a *massive* government agency running this sham that would have a massive budget. You people are fucking retarded and need to learn some basic econ. Bernie is a lying cuck."


Sure, they can still vacation in the US. However working in the US requires a seperate visa than a vacation visa which requires that they pay taxes on income earned within the US etc. I'm fairly certain using complicated intelectual property tax tricks to avoid paying any taxes in the US might be a violation of that visa. Actually, why can't I owe myself a large amount of money in another country that I'm paying myself back slowly thus zeroing my taxable income?


the short answer is: No. you do not HAVE to pay $125,000.00 at the end of your first year. that is only the amount IF you decide to exercise. *fine print: But if you leave or get let go (which happens quite frequently at top tier Silicon Valley firms), you lose anything that you don't exercise. you're basically chained by a pair of golden handcuffs. in other words, you're stuck with the company until a liquidation event such as IPO or secondary market selling (you can expect to spend a few years before getting anything out of your stocks) Now, it's hard to say whether or not to exercise at that time, especially given we don't know the details of the company. you only should exercise if you foresee your quitting, anticipate getting fired, AND you strongly feel that stock price will keep going up. if you're in SF bay, i believe you have 10 years until your options expire (at which point they are gone forever, but that's 10 years and usually companies IPO well within 7 years). i would recommend you get a very good tax advisor (someone that understands AMT and stock options tax loopholes/rules like the back of their hand). I'm going to take a long shot and assume that you got an amazing offer and that you got a massive amount of ISOs from them. so i'll give this as an advice - first, congrats on owning a lot on paper today if you're still there. you chose to be an early employee at a good tech company. However, you should be more worried about AMT (alternative min tax). you will get enslaved by the IRS if you exercise your shares and can't pay the AMT. suppose, in your fictional scenario, your stock options increase 2x, on paper. you now own $1 Mil in options. but you would be paying $280000 in taxes if you chose to exercise them right now. Now, unless you can sell that IMMEDIATELY on the secondary market, i would highly advise you not to exercise right now. only exercise your ISOs when you can turn around and sell them (either waiting for IPO, or if company offers secondary market approved trading).


"Writers for tech publications get paid less than peanuts. In all likelihood, this guy received two similar press releases/pitches from PR firms and he was like ""oh look, a trend"" and did no further research because he had to crank out five more articles in one day (which he did) to make enough money to survive. (Source: I am not this guy, but I was just like him for about eight years.)"


"Which of these categories are emergency funds meant to cover? Emergency funds are for emergencies, which to me means expenses that are unanticipated and can't be covered out of ""normal"" cash-flow. Oil changes are not an ""emergency"" and should be part of your normal budget. Car/house repairs and doctor visits might be an emergency depending on the severity and the urgency (e.g. do I need to fix this now or can I save up and fix it?) For known, predictable expenses that are infrequent (Christmas, birthdays, car insurance, home insurance/taxes if it's not part of your mortgage payment), I use an escrow account. I calculate how much I'll need for all of those things put together over the year and set aside a fixed amount each paycheck to ensure that I have enough to cover each item. You could do something similar for minor doctor visits, car repairs, etc. Estimate how much you might spend and set aside some money each month. If you find you're spending more than you thought, just increase the amount. You can use envelopes for each type of expense, have a separate checking account for those, whatever. The point is to set it aside and make sure you have enough left over to cover your known expenses. The whole point of an emergency fund is to be able to pay cash for emergencies rather than borrowing to pay them and dealing with interest, late fees, etc."


We can add thousands of targeted Facebook fans to your fan page. If you want to buy Facebook fans then you have come to the right place. Your Facebook fans are potential clients. The fans that we deliver to your page will interact with you and your business. All of the fans we add to your fan page are guaranteed real active Facebook users. To find out more about how you can get fans to your page, read How It Works. If you're ready to buy Facebook fans, please visit our order page.


What would be nice would be if Google+ gained some traction to the point where they could force Facebook to open a pipe so that social circles could work between Google+ and Facebook, putting them in tension. Of course, Neither CEO seems exceptionally capable of playing nicely in a sandbox even if it can benefit them, so that won't happen.


I've noticed Academy and Dick's Sporting Goods stores have been opening more frequently around my area, as opposed to just a couple Cabela's/BPS stores. I much prefer either Academy/Dicks for sporting goods. Similar quality, cheaper prices. I do prefer BPS for fishing goods though


Refinance, definitely. Go for Fixed 15 years, which will leave you with the same remaining time for the loan that you have now, but a much lower interest (you can find below 4%, if you look hard enough). You might end up with lower payments and higher portion of interest to deduct from your taxes. win-win. If you're confident you're able to pay it off within 7 years, you can get an even better rate with an ARM 10/1 or 7/1.


>eventually, the US will lose money until the point where production in the US is cheap enough to bring it back. Not if they raise taxes. I recently saw a mention of a research job in psychology that came to a conclusion more or less like this: given the choice of getting $100,000 while their neighbor got $250,000 and the alternative of each getting $50,000, most Americans chose the second option. They'd rather get less for themselves rather than let their neighbor get more than they did. That's why so many Americans favor higher taxes on the corporations. It doesn't matter if the corporations become unable to invest in more jobs, the important thing is not to let the corporations make money easily.


PayPal charges a 2.5% currency conversion fee to exchange funds from one currency to another. That means, the receiver would receive $ 9.75. Read More


I would say that there are places where you are indeed a code monkey, and what you learn is easily transferred. i.e: If you know Java, or RoR, it's easy to get started at a new job where the apps are built with those languages. However, if you're able to get some, Murex, Kondor+ or Calypso training or exposure under your belt, your skills are much more highly sought after, and can get you a much higher salary than an ordinary code monkey. At the end of the day managing is managing, regardless of whether you're managing code monkeys or Murex developers.


Word! I don't watch TV any more. If I wan't to watch a certain show I stream it online. Surely it should be obvious that the concept of sitting down in front of a TV at some time to watch a show, because someone at a TV station decided that this show should be broadcast at that certain time is outdated and unnecessary. On demand is the future (and present). Long live progress!


Wow. Few initial thoughts: 1) Amazon is not going to keep WFM's pricing structure in place. I expect we'll see some serious pricing pressure on the whole space. The food companies have already been feeling the squeeze (remember all those headlines about Wal-Mart pressuring their CPG vendors to trim prices 15%?) and this is only going to make it harder for them. 2) Amazon has been building out its distribution network through fulfillment centers. This gives them a huge footprint for both click-and-collect and direct-to-consumer online grocery delivery. Also probably helps consumer perceptions about the quality of buying food online. 3) I think if you're a company like TGT you need to step back and look at your strategy in food. Might be a good time to admit defeat or at least scale back. 4) Amazon could very well go the private label route here. Especially with pressure from Aldi and Lidl, there might be a real opportunity for it at WFM. Perhaps a name like THS could get a boost. 5) I'd sure love to be at Jana right now


"Actually, if you don't care about paying a bit more, either hire an accountant and dump the paper on them, or (may be cheaper but a bit more work) spring for tax software. Modern tax programs can often download most of your data directly. If you don't care about claiming deductions you can skip a lot of the rest. I'm perfectly capable of doing my taxes on paper or in a spreadsheet... but I spring for tax software every year because I find it a _LOT more pleasant. Remember that most of the complexity does come from policies intended to reduce your taxes. When you call for simplification, you may not like the result. It's better than it was a decade or two ago. I used to joke that the battle cry of the next revolution would be ""No Taxation Without Proper Instructions!"""


I recommend a Capital One 360 account. Personal experience, I'm a current undergraduate and while Capital One ATMs are everywhere and while account fees do not exist while I work, my normal Capital One bank account would be shut down, every time, over the summer. Why? Because I didn't work over the summer and I couldn't keep the minimum balance in my account. With a 360 account, I don't have to worry about paper working being mailed home when I need it at my dorm (or vice versa) and I don't have to worry about minimum balance fees closing my account (it doesn't screw my credit when that happens, but I have to open up a NEW account; frustrating). The advantages of a 360 account is that it's all online, there are no minimum balance requirements, and that I can easily access it online and even deposit checks with the Capital One app.


A good Refrigerator Repair in Hyderabad is one that offers.Qualified service technicians with the expertise to work on any kind of Refrigerators.Possess the capability to respond to customers call either on the same day or the time which is suitable for the client.Quality genuine spare parts.Being skilled professionals trained to handle any kind of Refrigerator Repair in Hyderabad issues, the service technicians are well-placed to deal with a variety of Refrigerator problems.ph no:040-60506610,60506611,60506622.


Arguably, the only reason the US can print dollar without massive repercussions on devaluing it is because of it is the world's reserve currency, backed by oil. This has allowed to US to build the world's biggest and most powerful army because they can easily borrow money to fund it. Everyone needs oil for their economy, therefore everyone needs dollars...


I added just most of the keywords I know to get you an idea what interests me. I must say creating models and testing models and using statistical software is what I like most. I do not like too much on the theoretical part like literature review.


I'm not disagreeing with you about math. But what you keep focusing on is your assumption people *need* $100 more per month to spend on energy. Some people may, but can you see how your solution makes an assumption that most likely misses the point?


We need more info to give a better answer, but in short: if you assume you will make $0 in other employment income next year, there is a HUGE tax benefit in deferring 50k until next year. Total tax savings would probably be something like $15k [rough estimate]. If you took the RRSP deduction this year, you would save something like 20k this year, but then you would be taxed on it next year if you withdraw it, probably paying another 5k the year after. ie: you would get about the same net tax savings in both years, if you contributed to your RRSP and withdrew next year, vs deferring it to next year. On a non-tax basis, you would benefit by having the cash today, so you could earn investment income on your RRSP, but you would want to go low-risk as you need the money next year, so the most you could earn would be something like 1.5k @ 3%. The real benefit to the RRSP contribution is if you defer your withdrawal into your retirement, because you can further defer your taxes into the future, earning investment income in the meantime. But if you need to withdraw next year, you won't get that opportunity.


"A covered call risks the disparity between the purchase price and the potential forced or ""called"" sale price less the premium received. So buy a stock for $10.00 believing it will drop you or not rise above $14.00 for a given period of days. You sell a call for a $1.00 agreeing to sell your stock for $14.00 and your wrong...the stock rises and at 14.00 or above during the option period the person who paid you the $1.00 premium gets the stock for a net effective price of $15.00. You have a gain of 5$. Your hypothecated loss is unlimited in that the stock could go to $1mil a share. That loss is an opportunity loss you still had a modest profit in actual $. The naked call is a different beast. you get the 1.00 in commission to sell a stock you don't own but must pay for that right. so lets say you net .75 in commission per share after your sell the option. as long as the stock trades below $14.00 during the period of the option you sold your golden. It rises above the strike price you must now buy that stock at market to fill the order when the counter party choses to exercise the option which results in a REAL loss of 100% of the stocks market price less the .75 a share you made. in the scenarios a 1000 shares that for up $30.00 a share over the strike price make you $5,000 in a covered call and lose you $29,250 in a naked call.Naked calls are speculative. Covered calls are strategic."


I'm not sure I understand what you're trying to say, but in general its pretty simple: She goes to the UK bank and requests a wire transfer, providing your details as a recipient. You then go to your bank, fill the necessary forms for the money-laundaring regulations, you probably also need to pay the taxes on the money to the IRS, and then you have it. If you have 1 million dollars (or is it pounds?), I'm sure you can afford spending several hundreds for a tax attorney to make sure your liabilities are reduced to minimum.


You are very much correct, as I think about it more I definitely misspoke. It's more someone's cultural heritage than their race. If you grow up eating and watching your parents prepare a particular type of food you are more likely to cook that type of food better than someone who did not have a much experience with that type of food growing up. There are exceptions of course, But I think you get the idea. My grandmother is a white person, who is also Mexican. We eat Mexican food at Thanksgiving. So color is not always a good. indicator.


Stop government subsidies of student loans which leads to artificially inflated college prices. Encourage colleges to be more upfront about employment prospects and ROI for specific degrees. Or just eliminate 4 year degrees all together and go with nano-degrees. Let the market decide whats in demand and valuable. Next question.


Depends on the role. I've worked in a back office and middle office setting at an investment bank working 8:30am - 5pm, no weekends. Also worked in sell side research and hours were more like 7am - 9pm, light weekends unless we were initiating coverage which then became a heavy work weekend. I currently work on the buyside as an equity analyst and my hours are more like 8am - 5:30 pm, no weekends. So depends on the role.


Did you see the emails between scientist fudging the numbers to prove we need to do more quicker. Also in the 1950's - 1960's all the scientist thought there was global cooling. We went from global cooling to global warming in 50 years. Just proves the majority of people forget or just have never learned about history.


"This is the best tl;dr I could make, [original](https://www.cnbc.com/2017/09/21/north-korea-foreign-minister-says-may-detonate-nuclear-bomb-in-pacific-reports-south-korean-news-agency.html) reduced by 85%. (I'm a bot) ***** > North Korean Minister of Foreign Affairs Ri Yong Ho said that his country may consider a test of a hydrogen bomb in the Pacific Ocean, according to a report from South Korea&#039;s official news agency Yonhap. > Hydrogen bombs are more powerful by an order of magnitude than the atomic bombs that North Korea tested in previous years. > In recent weeks, North Korea has tested ballistic missiles and an apparent hydrogen bomb in the face of international economic sanctions and warnings. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/71nvoo/north_korea_foreign_minister_says_may_detonate/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~214375 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*: **North**^#1 **Korea**^#2 **President**^#3 **test**^#4 **Kim**^#5"


Paywall. But this is an issue that comes up in many places, including California, where we were recently up to our necks in drought, including the pressure on Nestle. Somewhere, there is a government official that approved this arrangement, just as there was in California. I'm sure elsewhere, as well. And we shouldn't be taking Nestle to task, we should be naming those government officials, and investigating them for corruption, or firing them for incompetency. I can't read this particular article, but I've never seen this addressed in the press. Are there any names mentioned here? In California, likely in Michigan, too, the government does not acknowledge individuals right to resources. We instead use the water supply as fodder for political clout, and give it away 'for jobs' as a favor. Government shouldn't control the water supply. It should be owned by people. Individuals will protect what is theirs in a way government doesn't. Even corporate owners treat what is theirs better that the current model of government leases.


Firstly, I'm going to do what you said and analyze your question taking your entire family's finances into account. That means giving you an answer that maximizes your family's total wealth rather then just your own. If instead of that your question really was, should I let my parents buy me a house and live rent free, then obviously you should do that (assuming your parents can afford it and you aren't taking advantage people who need to be saving for retirement and not wasting it on a 25 y/o who should be able to support him / herself). This is really an easy question assuming you are willing to listen to math. Goto the new york times rent vs buy calculator and plug in the numbers: http://www.nytimes.com/interactive/2014/upshot/buy-rent-calculator.html Firstly, if you do what you say you want to do buy the house all cash and live there for 4 years, it would be the equivalent of paying 1151 / month in rent once you factor in transaction costs, taxes, opportunity costs, etc. Take a look at the calculator, it's very detailed. This is why you should never buy houses all cash (unless its a negotiating tactic in a hot market, and even then you should refi after). Mortgage rates are super low right now, all that money sitting in the house is appreciating at maybe the rate of inflation (assuming the house value isn't going down which it can very easily do if you don't maintain it, another cost you need to factor in). Instead, you could be invested in the stock market getting 8%, the lost opportunity cost there is huge. I'm not even considering your suggestion that you hang onto the house after you move out in 4 years. That's a terrible idea. Investment properties should be at a maximum value of 10x the yearly rent. I wouldn't pay more then 72K for a house / apartment that rents for only 600 / month (and even then I would look for a better deal, which you can find if you time things right). Don't believe me? Just do the numbers. Renting your 200K house for 600 / month is 7200 / year. Figure you'll need to spend 1% / year (I'm being optimistic here) on maintanence / vacancy (and I'm not even considering your time dealing with tenants). Plus another 1% or so on property tax. That's 4K / year, so your total profit is 3200 which is a return of only 1.6% on your 200K. You can get 1% in an ally savings account for comparison. Really you are much better off investing in a diversified portfolio. You only need 6 months living expenses in cash, so unless your family is ridicuouly wealthy (In which case you should be asking your financial planner what to do and not stack exchange), I have no idea why your parents have 200K sitting around in a savings account earning 0. Open a vanguard account for them and put that money in VTI and your family will be much better off 5 years from now then if you buy that money pit (err house). If risk is a concern, diversify more. I have some money invested with a robo advisor. They do charge a small fee, but it's set it and forget it with auto diversification and tax loss harvesting. Bottom line is, get that money invested in something, having it sitting in a bank account earning 0 is probably the second worst thing you could do with next to buying this house.


If you want to go into any asset management/investments, or even potentially down the road, it's worth getting out of the way early on your career while you have the time and energy. If you want to shoot for a corp finance/CFO type career track, CPA is more relevant. For investment banking (and some corp finance roles such as acquisitions), top tier MBA.


">Also if you watch sports then skipping them isn't really an option Sure it is. I always hit record and then start watching the game about an hour after it begins airing. More often than not, I can skip through all the commercials and half time bullshit and end up catching up to ""real time"" with a few minutes left in the game."


">I hear lots of interesting stories about teaching. The most recent involves an experimental program where the teacher performance isn't graded on student outcomes but how well they're following the narrative defined by the program. Every few years teachers are handed new programs that the district curriculum people bought and told ""you're going to teach $subject using this program now!"" (sometimes those programs work better for different groups of students - the ones that it was evaluated with do great, the ones in different neighborhoods are failed by the program) The programs are implemented district wide and the teachers are told not to deviate from the programs. Nothing really ""new"" there at all. And it isn't ""local control"" -- it is the opposite: standard ""central planning"", typically driven by Federal and State ""Department of Education"" bureaucrats in combination with Teacher's Union officials (but I am being redundant, because they are one and the same, there being a revolving door). And then it is pressed down on the school by an administrator who is attempting to please the ""higher ups"" (and/or to guarantee the flow of funds linked to said program) on one of their several ridiculously inane ""metrics"". >A recent example from the town I grew up in. That letter is *hilariously SAD* (and not for the reasons that you think). This ""teacher"" (with a Masters Degree (!!!!) in Reading -- from which I assume they believe they understand ""reading"" better than anyone -- be interesting to know the last time this ""Master"" of reading actually READ a book that wasn't strictly required, the answer is probably a decade or more ago)... This ""teacher"" is really just one central-planning disciple who is objecting to a *different* central planning program than the one they themselves were indoctrinated into. The whole thing is very revealing regarding the sheer lunacy of the ""scientific educator"" and ""scientific education"" paradigm. This teacher (like the administrators the teacher derides) is concerned about the WRONG things. There is really no concern about whether kids are learning how to read and to enjoy/utilize reading (which is a rudimentary skill kids can pick up on their own, provided they haven't had it turned into ""torture"" by some brainless curricula & teacher). But rather it is all about ""what [curricula] to use for reading/language arts"". The phrasing of that question and the misguided emphasis of it reveals the fact that the teacher really doesn't have a CLUE how to truly get kids reading and understanding the English language. Basically he/she just wants to ""work a program"" (by a semi-mindless *rote*) and is really only pissed because the programs keep being changed on them. *Fortunately, a least a small part of the kids WILL learn to read (mostly due to authors/industry putting out things they are interested in -- all hail JK Rowling, JRR Tolkien, & Suzanne Collins) not because of but* **despite** *the formal schooling systems attempts to ""teach"" them.*"


Some people are born to be entrepreneurs while others have to hone their skills on their way; it’s just a matter of coming outside the comfort zone perhaps of being an employee, and taking the big leap! If you have decided to join the league and are ready to embrace the challenge of being your own boss, here are few things you need to watch out for.


Stock markets are supposed to be about investment and providing capital to companies for operations and research. High frequency trading is only about gaming the market and nothing else. Arguments that this provides more capital or liquidity don't make any sense because the speed of trading is such that listed companies cannot take advantage and only high frequency traders are served.


"> A corporation should be taxed based on where it does business and not where the corporate headquarters are located. But... but.. that's the whole point of the inversions. The US government tries to claim taxes on income from revenue generated overseas. So right now if BK repatariates it's overseas earnings, the US government will double dip beyond it's fair share and tax already taxed revenue just because it was taxed by non-US governments. All BK is doing is moving their headquarters to to a more business friendly economy that doesn't do similar double dipping. That way when they repatriate overseas money they are not being forced to pay taxes unjustly like they would be in the US. They will still pay taxes in the US for earnings in the US, they just won't pay US taxes on earnings foreign earnings. I don't think you Americans get just how fucked up and hostile your tax structure is. It has nothing to do with ""fair share""."


Với nhiều thông tin bổ ích, trang Vàng Vật Chất đang được nhiều đọc giả thường xuyên theo dõi hàng ngày và trong tương lai sẽ càng có thêm nhiều đọc giả quan tâm tới thông tin trên trang Vàng Vật Chất. Nhằm hỗ trợ quý khách trong việc quảng bá Thương Hiệu của doanh nghiệp trên một trang thông tin Tài Chính sạch như trang Vàng Vật Chất, chúng tôi hoan nghênh quý khách tham gia tài trợ trang theo các loại hình như sau: - Đăng link giới thiệu website của doanh nghiệp: 500,000 – 1,000,000 đồng/tháng - Đưa banner giới thiệu về doanh nghiệp: 1,000,000 – 3,000,000 đồng/tháng - Đưa bài viết giới thiệu về doanh nghiệp: 1,000,000 – 2,000,000 đồng/bài Chúng tôi phát triển cùng với sự phát triển của doanh nghiệp của bạn !


eallan already touched on this, but generally speaking there is a tendency in this country to lump unions together and put the shortcomings of one local or one unit or one member onto all of them. An example would be the issue of corruption; many people cry about rampant corruption in unions when in fact only somewhere between 1-2% of locals have ever had any corruption charges, whereas I'd be willing to bet that the corruption rate is much higher in the corporate world. > Honestly, I cant think of any reason for minimum wage paying jobs to have a union. If you think the wages are too low for cost of living then the minimum wage should be raised. These people have no special skills, little to no training, and usually no education. Genuine question: What reasons do you think someone would/could have for joining a union? Why would base pay/education/skill level of the job be a consideration? Just so we're on the same page: Collective bargaining came about because workers in certain areas were pissed-off enough that they realized that to improve their situation they had to come together as a group, because only as a group did they have any leverage. All workers have the right to collective bargaining, rights which were signed into law because pissed-off workers were doing it anyway, and the regulation of the practice helped smooth it out and drastically cut down on violence and debilitating drops in production. It takes quite a feeling of injustice and exploitation when not friends, not family, but colleagues, some of which may not even like each other, start seeing that they share common problems, and decide to tie the fate of their working lives to one another. And give up like 1-2% of their paychecks. Especially in a country with an individualistic culture like the US. So if workers at certain Wal-Marts feel like working conditions are that bad for them, then I can't see why they shouldn't organize.


Just because both Time Warner and Comcast are already local monopolies in their respective areas of operation doesn't mean they are not reducing competition. What it should be doing is revealing that innovative competition like Aereo should be supported and backed by regulators, not sued out of business.


malaysia sports betting We strive day and night to make everything work perfectly making sure that you can have fun without worrying about anything. The firm commitment to our users and a determined commitment to safe malaysia sports betting play have led us to implement all the measures and actions that are within our reach to achieve a fair, honest, complete, reliable and totally transparent gaming experience. We take our responsibilities very seriously and focus on what playing is always a fully satisfying experience. Therefore, we also actively work in the promotion of responsible play so that playing never ceases to be a leisure activity full of fun, we watch that strictly comply with the prohibition of access to minors and we turn to answer all your questions And needs.


"Disregarding the particular example and focusing on the actual questions: YES, definitely, the whole concept of ""pump and dump scheme"" refers to the many cases when this was intentionally done; Everything has a limit, but the limit can be quite high, especially if starting from a low value (a penny stock) and if the stock is low volume, then inflating ten or hundred times over a real value may be possible; and any value might be infinitely times overvalued for a company that turns out to have a value of zero. Yes, unless it's done very blatantly, you should expect that the ""inflator"" has much more experience in hiding the signs of inflation than the skill of average investor to notice them."


Pertho Engineers is a growing LTO Tape Drive repair and backup service provider company in UAE. We at Pertho Engineers also provide you LTO-3, LTO-4, LTO-5, LTO-6, LTO-7 Tape Drive repair and backup services in UAE. Pertho Engineers provides all company LTO Tape Drive repair and backup services in UAE. The leading companies whom repair and backup services are HP, IBM, Certance LTO, Quantum LTO, Tandberg LTO, Quantum DLT, Quantum VS80 VS160, Quantum SDLT, HP DAT DDS, Sony DAT DDS. For more info. Contact us - +919871495530


My wife's uncle is a high quality Italian chef and constantly gets shat on for not having large enough portions. His restaurant serves lamb and veal and generally good entrees. People keep coming in expecting olive garden portions. That's not the kind of place he tries to be. He smokes his own duck for his pasta dish. It's funny how people value a $2 bag of pasta for $17.


">""We are renting entire airplanes, Boeing 747s, to ship on time. Anything else, like shipping by sea, loses so much opportunity."" It appears to be for freight. The premise of the article is that if they can get the hardware faster, thy can start mining faster, and the extra days are worth hiring an entire plane. I assume they are ordering a plane load worth of cargo to a time though."


"Time for a lawyer. Essentially, regardless of the situation ""it's not right"" for him to be paying the mortgage and only get half the value out of the equity in the house. All other things aside, no court I can think of would allow that. The ""could happens"" are many, but the most common include; Keep in mind that if he keeps paying the mortgage ling enough most courts will end up giving him ownership outright. Essentially, they will say he has already bought her out by paying her half of the debt. Unfortunately, any way he goes he is going to need to take action. When there is a missed mortgage payment, a bad tax year, or some other legal issue (some one is injured on the property), the last thing he is going to want is for the courts to decide the issue for him. For example, John breaks an arm while climbing a tree on the property line. John takes the owners of the property to court. ""He"" says ""but my sister owns half"" and the courts decide then and there that because he's been paying the mortgage alone he owns the house alone. Seems like a win, except now he owns the liability alone, and owns John $1,000,000 for a silly lawsuit alone. Point is this. Ownership of property comes with risks and responsibilities. ""He"" really needs to get those risks and responsibilities under control so he can mitigate them, or he could end up in a very nasty situation in the years to come."


Bicycles Phoenix is your ideal weblog that shares useful information about almost anything. We travel with our bicycle around the world just to gather the most interesting articles that we will deliver on this website. If you ever need a trusted blog that shares amazing content, then you are in the right place. Follow us on our journey of making this site the best medium for all the cool people like you! Have questions? Contact Us!


>[**Проект Dohaglobalinv. Доход до 15 % в месяц. Способ заработка в интернете! Как заработать деньги? [6:11]**](http://youtu.be/VADn3u_PWl0) >>Друзья, в этом видео, вы узнаете о новом инвестиционном проекте: Dohaglobalinv > [*^Финансовый ^Вектор*](https://www.youtube.com/channel/UCAOABF2yT1SjVqI7RK9aIUg) ^in ^People ^& ^Blogs >*^3 ^views ^since ^Oct ^2017* [^bot ^info](/r/youtubefactsbot/wiki/index)


You are going off on some tangents here. Yes, I agree, doctors and economists have different jobs and those skills won't transfer over necessarily. What I do disagree with is your claim economists simply can not grasp why American healthcare is so much more expensive. You gave a reason that has already been well studied and accounted for by economists. Having a patient die on a table I'm sure is very emotional. I don't believe it is necessary for someone to experience to properly research why American healthcare is so expensive.


"People often have the wrong idea about how taxes apply to their money. There's not really any such thing as ""pre-tax"" or ""post-tax"" income, only pre-tax and post-tax **uses** of your income. This is somewhat hidden by the fact that we pay income tax based on our income for the year; but if you look a bit closer, you'll notice that come April 15th, (almost) every dollar you get to *subtract* from your gross income isn't defined by where it comes from, but rather, where it *went* (there are a few special cases there, like qualified dividends, that that's an entirely different issue). Perhaps the most clear example of this is a traditional IRA that you self-fund from your savings account on April 14th, for the prior tax year - You're putting dollars you've already taken home, into a pre-tax account, *after* the end of the calendar tax-year; and yet it all works out exactly the same (tax-liability wise - There's certainly an opportunity cost there) as if you had contributed those dollars via a weekly payroll deduction. So when you manually fund a Roth IRA, it has *no* effect on your tax liability (except insofar as you *don't* get to deduct it from your taxable income, which you wouldn't if you had left it in a savings account, etiher). In the year you earned that money, you paid taxes on it; when you take it out, you won't."


NL7 is right and his B-S reference, a good one. Time decay happens to occur in a way that 2X the time gives an option 1.414X (the square root of 2) times the value, so half the time means about .707 of the value. This valuation model should help the trader decide on exactly how far out to go for a given trade.


Bush tax cuts and similarly. We no longer believe that the wealthy have to play by the rules. We perpetuate this notion because too many believe they too will be captains of great wealth. The wealthy in turn have invested in emerging markets like china or commodities like gold. Basically its being horded by the wealthy and banks. In a fixed money system like monopoly what happens? Someone wins and gets all the money. With inflation at least they are making more money so that eventually a huge withdrawl of cash from the system is healed. Because Monopoly was meant to be a cautionary tale of oligarchy.


"You definitely do want to avoid losing money on repeated currency conversions. Remember they are making a profit every time you change your currency. A money market fund is basically like a 'savings account' mutual fund. They are open like mutual funds, in that you can buy or sell at any time. There don't tend to be fees of any kind (directly) as all management is paid for out of the interest/returns that the fund generates. So using a money market fund to hold the ""cash"" portion of your TFSA or any other account for that matter would be a normal (and ""free"") thing to do. Good Luck"


> And a lot of them are similar bullshitters -- they wash each others backs basically. So basically, you think they are all bullshiters and don't understand anything. So really, the idea of any of them understanding technology would be practically impossible.


On the Canadian side of it, there are a few people I've spoke to about this that are not happy about it either. Tim Horton's is a very Canadian brand, and some are upset about an American company moving in. This happened in the 90s with Wendy's and there was a big public backlash then, although there are still a few Tim Horton's/Wendy's combos to be found still.


"Feel free to educate man. Everything I can find says the same thing. [Investopedia](http://www.investopedia.com/ask/answers/100314/what-are-key-factors-cause-market-go-and-down.asp) >If there are a greater number of buyers than sellers (more demand), the buyers bid up the prices of the stocks to entice sellers to get rid of them. Conversely, a larger number of sellers bids down the price of stocks hoping to entice buyers to purchase. Yes, if a company is performing well, you might find that more people want to buy then sale. That would cause it to go up. But if no one wants to buy, it doesn't matter how well the company is doing. I mean really, how would that work? Someone in the company notices they had more sales today then yesterday, email someone on wallstreet and they just mouse wheel the stock price up to something higher? Say the stock is $1.00 right now. But the lowest buy order is $.90. and the highest sale order is $1.10. (I guess there is some math there making is $1.) As soon as someone says, yeah. I'll sale at 90 cents, it'll go down. If someone says yeah, I'll buy at $1.10 it'll go up. I'm sure there is more to it than that. But everything I can find. It 100% has to have people more people wanting to buy then sale for it to go up. If more want to sale then buy, it'll go down. But hey, if this is way off base. Go ahead and fill me in. I'm open to CMV. This was all found after a short amount of time researching [""What makes stock prices go up?""](https://www.google.com/search?q=What+makes+stock+prices+go+up%3F&oq=What+makes+stock+prices+go+up%3F&gs_l=psy-ab.3..0i71k1l4.43421.43421.0.43882.0.0.0.0.0.0.0.0..0.0....0...1.1.64.psy-ab..0.0.0....0.6Crfejzb3XY)"


In my experience earning interest is not enough to keep the account in a non-dormant state. If payment of interest was the trigger to reset the clock then no savings account would ever be considered dormant. In general as the account got close to the deadline we were notified that a single transaction moving money into or out of the account would reset the clock. I have had this happen in recent years with a bank account and a credit union account. In researching for the exact definition of a dormant account I found this regarding interest on the FDIC website: That means that the state law may set the definition, it also means that you should look at the information regarding the bank policy. I did try and see if the rules for a credit union are the same. The added twist with a credit union is that if the account is closed, they are no longer a share holder and that brings into the discussion voting rights. So the policy/guidelines is even more complex. If the account does go inactive state law will define what happens to the account, and how you can get the funds back.


"This is the best tl;dr I could make, [original](http://bruegel.org/2017/06/the-mariel-boatlift-controversy/) reduced by 88%. (I'm a bot) ***** > Ethan Lewis evaluates two explanations for Card&#039;s result:, whether after the boatlift Miami increased its production of unskilled-intensive manufactured goods, allowing it to &quot;Export&quot; the impact of the boatlift; and whether Miami adapted to the boatlift by implementing new skill-complementary technologies more slowly than they otherwise would have. > They model an economy where workers spend their wages on a locally produced good, then test it via a reexamination of the Mariel Boatlift and find strong evidence that the Boatlift augmented labour demand. > In 2015, Peri and Yasenov re-examined the wage and employment effect of the Mariel Boatlift, by using a synthetic control method to choose a control group for Miami so as to best match its labour market features in the eight years before the Boatlift. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6fdbkf/bruegel_the_mariel_boatlift_controversy/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~136737 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **wage**^#1 **Miami**^#2 **high**^#3 **Mariel**^#4 **Borjas**^#5"


I watched FRAN drop 50% when their CEO resigned a year or so ago. From 20 a share to 10. Took a year to fully recover and then slid to below 10. Of course they are getting slaughtered with the rest of retail.


"> The father-son team ultimately lost more than $140 million. > If the plea agreements are accepted by a judge, the two could face between two and five years in prison. If I punched a man in the face with brass knuckles and robbed him, I would surely get more then 2-5 years. These assholes scammed folks out of 140M+ and they get 2-5 years. As my ole law professor said ""how much justice can you afford?"""


Our cheap used 4wd in Adelaide are versatile, durable and efficient nearly like the new ones. We understand how boastful and luxurious 4wd cars are and that is why we want to help you own one at a pocket friendly price.


>As much as I think that shouldn't be necessary Feel free to take that argument up with biochemistry. >I also find it hard to consider the possibility a bad thing. Disregarding potential negative side effects, how on earth would it be a bad thing?


"The point is that you need to figure out when a ""business expense"" is actually just a personal purchase. Otherwise you could very easily just start a business and mark all of your personal purchases as business expenses, so you never have to pay income taxes because you're handling all of your money through the untaxed corporation."


My attempt to convey the shorthand report notes on file: >...bipartisan opposition at the capitol to the GOP health care bill. All three members of Vermont's congressional delegation joining the Republican Governor, and Republican and Democratic leaders of the state house and senate, all joining forces here to attack this new GOP bill... It would send the budget into deficit or throw 51,000 Vermonters off health care completely. >The proposed deductions in Medicaid would leave our state with a budget deficit because [we can't] absorb without cutting health services for the people who deserve it the most or significantly raising taxes... If you have heart disease, or get cancer, and are suddenly thrown off of health insurance... it is immoral, it's not acceptable. >Now it is rare to see leaders from all three parties speak out so forcefully here. Governor Scott, in particular, pleading with the Senate to slowdown, take a breath and draft something acceptable to both parties. He is back from a weekend in which he met with his fellow Republican governors, and said that many of the fellow GOP leaders feel as he does. Even conservative... minority leader Donald Turner, who supports health care reform said the Senate GOP repeal bill is not the answer. Some leaders saying the Medicaid cuts could force a number of our small rural hospitals to close.


"A company's valuation includes its assets, in addition to projected earnings. Aside from the obvious issue that ""projected earnings"" can be wildly inaccurate or speculative (as in the case of startups and fast-moving industries like technology), a company's assets are not necessarily tied to the market the company is in. For the sake of illustration, say the government were to ban fast food tomorrow, and the market for that were to go all the way to zero. McDonald's would still have almost 30 billion dollars worth of real estate holdings that would surely make the company worth something, even though it would have to stop selling its products. Similarly, Apple is sitting on approximately $200 billion dollars in cash and securities in overseas subsidiaries. Even if they never make another cent selling iPhones and such, the company is still worth a lot because of those holdings. ""Corporate raiders"" back in the 70's and 80's made massive personal fortunes exploiting this disconnect in undervalued companies that had more assets than their market cap, by getting enough ownership to liquidate the company's assets. Oliver Stone even made a movie about the phenomenon. So yes, it's certainly possible for a company to be worth more than the size of the market for its products."


The key is measuring. Like any project you need to evaluate a baseline, make a change, then re-evaluate. Otherwise you are blindly spending money to save, or worse, being manipulated by advertising. Like Chris W. Rea said before me, using a tool like a Kill-A-Watt to measure the effectiveness of what you are about to do is the most important step. For example, if you have an incandescent light bulb in a back part of your basement that you never turn on, it doesn't make much sense to replace that bulb with a $9 LED to save money. If you have an empty freezer in your basement, turn that thing off. Measure your power usage, then you can know for sure what is the most effective action. If you have a family like mine, the best of intentions still leave lights on all day or tvs on a screensaver all night. Invest in simple automation like motion sensing outlets or light switches to automatically turn off power. (It is my full time job to go around a turn off lights, and I want to retire) The biggest payback that I know of is insulation and caulking of your home to make the energy you do use more efficient. If you don't have enough insulation, that is a great place to start. Here is a calculator to estimate the payback of adding insulation. The US government has a cool website with a bunch of tips for saving energy.


That however does not change the fact that there are times and always will be where filtering on philosophy is in fact the right thing to do for the business and exactly what they'll do, whether they admit to it or not.


If you were looking to maximize your ability to save in a qualified plan, why not setup a 401K plan in Company A and keep the SEP in B? Setup the 401K in A such that any employee can contribute 100% of their salary. Then take a salary for around 19K/year (assuming under age 50), so you can contribute and have enough to cover SS taxes. Then continue to move dividends to Company A, and continue the SEP in B. This way if you are below age 50, you can contribute 54K (SEP limit) + 18K (IRA limit) + 5500 (ROTH income dependent) to a qualified plan.


>Bush It didn't come out the banks committed fraud under Bush tho. Nor did it come out about the whole sub prime loan mess either. >they were trying every trick in the book in order to try and reinstil confidence in the stock market and US financial system in order to convince people to start lending money again and break the country out of a deflationary liquidity cycle I know, but that doesn't mean they couldn't have gone after the banks tho at the same time. One could argue tho that going after the banks and throwing the crooks in jail would also help install public confidence in the economy as those guys where no longer running things. >Today, even if Sears going boom tumbled a bunch of other commercial real estate firms and retail stores, it wouldn't suddenly make the banks insolvent in the short run. Totally missed the point here. Its much more has to do with who is president than anything else. Trump is gutting the government as much has possible to make it as ineffective as possible. He's going to give a pass on Eddie here.


Borrowing money from the Federal Reserve (or other central banks) requires full collateral, generally in terms of treasury bonds. In that sense it is only a source of liquidity - getting short term money by pledging guaranteed future cash flows, not random commercial loans. To get a dollar from FR today requires freezing a dollar that you already had. Private deposits, on the other hand, require only a keeping a fraction of them as reserves, so you can use the rest of the money for new loans.


Bingo. And remember, hedge funds are for a specific kind of investor (UHNW, institutional) as a *hedge* against when things go bad. I won't argue against the fees being exorbitant. And I certainly think that the explosion of funds has led to a lot more people just trying to beat the market (instead of providing a differentiated strategy). HFs will always get slammed in times like this because of what they charge. But any of the good ones (at least on the equities side) are always likely to struggle to beat the benchmark when the benchmark is a roaring bull. Some judgement really should be reserved for times of distress


You can actually hold cash in your account as long as the manager has reason to believe it is awaiting investment. As for your question, some near cash equivalents are: It's difficult to go into more detail about which investments are eligible due to the variety of risk characteristics, but you can certainly find investment opportunities in the assets mentioned above. A good money manager can advise you better since he'll have an idea of their risk characteristics as well as tax status.


You would need to setup a company (even if it's just a sole proprietorship, in the US) to be able to apply for a true merchant account. And thus have a terminal; either real or virtual in your home or business. However, many services such as paypal allow you to accept credit cards (both online and with a card reader) and when the customer is billed it appears as paypal + your account name. So you essentially have the benefits of a merchant account, without having to set one up.


**Democracy Index** The Democracy Index is an index compiled by the UK-based Economist Intelligence Unit that measures the state of democracy in 167 countries, of which 166 are sovereign states and 165 are UN member states. The index was first produced in 2006, with updates for 2008, 2010 and the following years since then. The index is based on 60 indicators grouped in five different categories measuring pluralism, civil liberties, and political culture. In addition to a numeric score and a ranking, the index categorizes countries as one of four regime types: full democracies, flawed democracies, hybrid regimes and authoritarian regimes. *** ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/economy/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot/) ^] ^Downvote ^to ^remove ^| ^v0.22


See I believe that it's pretty in the open. A shell company whose only purpose is to license out some intellectual property to an affiliate company should be easy to spot. A company with 5 employees and a tiny office should not be claiming millions of income that originated in an affiliate company. My point is that these things are not clearly defined in the code and should be, not that they are necessarily being hidden. I've seen at least 5 articles in the last year similar to this one about other large companies, so I wish congress and whoever else would do something about it.


Don't switch just because you hear people panicking on the talk shows. Banks are competitive business and won't start charging for using debit cards too fast. If and when they decide to do such a thing after all - then start shopping and see who doesn't catch up with the fees and still provides the services you want for the price you're willing to pay.


">We are talking about the SEC conference, right? A bachelor's degree, right? Four years of that is $25K-$50K (depending) just in tuition, and it completely ignores books, or inflated housing, or opportunity cost. So WTF are you on? Less than 10K? Do you mean annually?? 50k? For fucking who? Vandy? Everyone else is <20 in state, max, before scholarships. They're cheap as hell, and COLA is cheap as hell in most of the college towns. Keep saying finance ""pays worse than trades."" Fucking idiotic. I graduated a while ago. Been in finance and consulting, know the market well. All of your ideas about the field are **embarassingly wrong.**"


130k in LA? That's not life-changing or anything. Do the usual: save money, buy used cars, cheapest rent you can live with, etc. If it was me, I'd be researching the local housing market. Save cash until you find a deal you like. Work the numbers, do your homework. You're the finance guy - you should know what a good deal looks like.


I think you got the message mixed up a little: Racking up big balances can hurt your scores, regardless of whether you pay your bills in full each month. What's typically reported to the credit bureaus, and thus calculated into your scores, are the balances reported on your last statements. (That doesn't mean paying off your balances each month isn't financially smart -- it is -- just that the credit scores don't care.) You typically can increase your scores by limiting your charges to 30% or less of a card's limit. -- from 7 Ways to Fix Your Credit Score In other words, ALWAYS pay off your balance if you can. But don't fill up your card to the max of your credit limit each month. i.e. if your credit limit is $5000, only spend $2000 each month.


Ok what part of this conversation would have you believe that I would be ok with any theft funded endeavor? Khan Academy is already a viable replacement that is not funded by theft. There are also many other's like it. The ends do not justify the means. Institutionalized theft is wrong no matter what the excuse you think justifies it.


"As ChrisInEdmonton describes, shorting has an asymmetric risk/reward ratio. And put options have a time cost, if you think the market is overvalued and buy lots of puts, but they expire before the market finally corrects, you can lose your entire investment. Betting on market timing of any kind is extremely difficult to do, some would argue it's impossible. ""The market can remain irrational longer than you can remain solvent"" is a favorite wall street trader saying. Instead of playing a game that's difficult to win, the better option is to play one you can win. That's to learn how to value individual investments well and accumulate cash until you can find investments that are under-valued to invest in. The best way to learn to value investments is to read Graham and Buffett. ""The Intelligent Investor"" is a good starting point, and you can read all of Buffett's investor letters for the last 30 years + for free on the Berkshire Hathaway web site. Finally the textbook on valuing stocks and other investments is ""Securities Analysis"" the 6th edition is only version to get, it was updated with Buffett and other leading value investors oversight. A basic overview of valuing investments is that every investment has an ""intrinsic value"" consisting of it's future cash flows, discounted for the time it takes to receive them. The skill is being able to estimate how likely those cash flows are to happen. a) Is it a good business? Does it have a moat, i.e. barriers that make it hard for competitors to duplicate it? b) Will management invest or distribute those cash flows wisely? Then your strategy is to not even worry about the market, spend your time looking at individual stocks and investments and wait until some come along that's well undervalued. That may be during a market correction, or it may be tomorrow. And it's not just good enough to intelligently value your investments, you also have to have psychological fortitude to not panic and to think for yourself. Buffett describes it best. Ben Graham, my friend and teacher, long ago described the mental attitude toward market fluctuations that I believe to be most conducive to investment success. He said that you should imagine market quotations as coming from a remarkably accommodating fellow named Mr. Market who is your partner in a private business. Without fail, Mr. Market appears daily and names a price at which he will either buy your interest or sell you his. Even though the business that the two of you own may have economic characteristics that are stable, Mr. Market’s quotations will be anything but. For, sad to say, the poor fellow has incurable emotional problems. At times he feels euphoric and can see only the favorable factors affecting the business. When in that mood, he names a very high buy-sell price because he fears that you will snap up his interest and rob him of imminent gains. At other times he is depressed and can see nothing but trouble ahead for both the business and the world. On these occasions he will name a very low price, since he is terrified that you will unload your interest on him. Mr. Market has another endearing characteristic: He doesn’t mind being ignored. If his quotation is uninteresting to you today, he will be back with a new one tomorrow. Transactions are strictly at your option. Under these conditions, the more manic-depressive his behavior, the better for you. But, like Cinderella at the ball, you must heed one warning or everything will turn into pumpkins and mice: Mr. Market is there to serve you, not to guide you. It is his pocketbook, not his wisdom, that you will find useful. If he shows up some day in a particularly foolish mood, you are free to ignore him or to take advantage of him, but it will be disastrous if you fall under his influence. Indeed, if you aren’t certain that you understand and can value your business far better than Mr. Market, you don’t belong in the game. Lastly learning to value investments isn't just useful in the stock market, they are applicable to investing in any investment such as bonds, real estate, and even buying your home or running a business."


"Mint is one alternative. If you want the raw data in CSV format, you can use ""Export"" feature under"


"We need to fix this sub. Bots and spam are ruining it. Why are there no mods doing anything? Between /u/PostNationalism and /u/PhocionPubliusHam they have over half of all of the posts on the front page of this sub. This is straight propaganda. /u/PhocionPubliusHam is a freaking bot that keeps posting anti-trump threads. Regardless of what you think about the president, this isn't what this sub is about. Take a look, the ""user"" /u/PhocionPubliusHam (It) has over 7,000 karma and 0 comment karma. They don't even try to hide that is a bot just spamming! It has posted over 500 different threads in the 2 months it has been active, without making a single comment. Take a look at what all the threads are about, I'm sure you will be shocked. its probably a bot for /u/postnationalism as he is another anti-trump spammer. What are the other moderators going to do about this? I'm getting really sick and tired of this and it is becoming more and more blatant every day by MANY USERS."


It is important to get the best compatible Vacuum Pump Oil, if use the vacuum pump. At VacOil, you can find a wide range of pump oils which can fulfill the vacuum cleaning needs with absolute ease and can maximize the durability of the vacuum pump. Available at varied price points, these are pretty affordable to have.


I wrote about this a while back: http://blog.investraction.com/2006/10/mutual-funds-dividend-option-or-growth.html In short: Growth options of a mutual fund scheme don't pay out any money, they reinvest the dividend they receive. Dividend options pay out some money, at different intervals, based on the surplus they accumulate. In India, the options have very similar underlying portfolios, so HDFC Equity Fund (Growth) and HDFC Equity Fund (dividend) will have the same percentage allocation to each stock. Update: I also have a video you might want to see on the subject: http://www.youtube.com/watch?v=Bx8QtnccfZk


The trickiest thing is the federal tax. It's typical to withhold 25% federal on this type of event. If your federal marginal rate was already towards the top of that bracket, you'll owe the missing 3% as you enter the 28% bracket. Nothing awful, just be aware.


Don't over think about your choices. The most important thing to start now and keep adjusting and tuning your portfolio as you move along in your life. Each individual's situation is unique. Start with something simple and straight forward, like 100 - your age, in Total Stock market Index fund and the remaining total bond market index fund. For your 401k, at least contribute so much as to get the maximum employer match. Its always good if you can contribute the yearly maximum in your 401k or IRA. Once you have built up a substantial amount of assets (~ $50k+) then its time to think more about asset allocation and start buying into more specific investments as needed. Remember to keep your investment expenses low by using index funds. Also remember to factor in tax implications on your investment decisions. eg. buying an REIT fund in a tax advantaged account like 40k is more tax efficient than buying it in a normal brokerage account.


Not necessarily. If you have a family you may be less likely to leave your job because you depend on the income a lot more than if you were single or without kids. When you are responsible for the well being of others you will think twice before quitting your job or slacking off.


Google already owns 8% of Uber and would make sense to cover basis. Google is sitting on $90b with less than $4b debt. Wanted to provide a source but this is old and indicates 7% but it is 8%. Best I can do on MOBILE;). https://www.quora.com/What-percentage-of-Uber-does-Google-own


Don't do business with someone who is screwing you, and if you do business with someone who is screwing you, don't try to force someone else to come in and make them stop screwing you. Just don't do business with them. It's super simple, but people will make a trillion excuses about it.


So, you agree that there *is* a slope, already, and that as a society we're still capable of negotiating it? Does this mean that you'd also agree that if there was sufficient evidence that hate mongering was resulting in demonstrable harm, you'd agree that it belongs in the same category?


"I don't understand why he couldn't just log onto his account online, see the ""current balance"" and pay that? I've got 4-5 credit cards (2 of them are Chase) and they *ALL* have an online portal which will show you a daily-calculated ""current balance"" right on your screen... you can then enter in your checking account and transfer over that amount to pay the whole thing off virtually instantly. Does Chase continue to charge interest even after the balance goes to $0?"


"If you're losing money or breaking even, you own a bad investment. The problem you have is that you are emotionally invested in your tenant. That isn't a bad thing in general but it's costing you money and, unless interest rates fall enough to justify a refi or property taxes go down in your area, that's kind of unlikely to change. Option #1 - Tell your wife that you are willing to accept a loss up to a certain level because of your long term relationship with your tenant. In a perfect world, the two of you would then discuss what the ""magic number"" would be where you got out and come to a compromise. For example, if you are comfortable losing up to $3,000 per year and she is unhappy with any loss, you may agree on selling the house when your losses climb to $1,500. In a less perfect world, it would cause an argument as she has already told you what she wants you to do. Option #2 - Raise the rent to the break even point. From what you've said, this will likely result in the loss of your tenant but you could then rent to someone else for significantly more. Option #3 - Sell the house. It's an investment property which means it's supposed to make money for you. It can do that very quickly by way of a sale and then it's no longer your problem. Option #4 - Sell the house to your tenant. You bought it for $50,000 and it's currently worth $150,000 (roughly). The problem you face is that property taxes have gone up and caused your mortgage to increase past your tenants ability to pay. My guess is, after 15 years, your payoff is somewhere in the high $20's to mid 30's assuming you got a 30 year loan and haven't refinanced. If you sell to her for say $75,000 (or even up to $90,000) you will still make a profit (wife is happy), she will get a mortgage she can afford and be able to stay in the house (you and the tenant are happy). Added bonus is that her property taxes would be lower (assuming a different rate for investment property in your area). I would discuss this at length with your wife as well before making such an offer. Option #5 - Get a property management company. As mentioned above, they will keep a percentage but will remove your emotions from the equation altogether and turn the situation into a winner. I don't know if your wife is right in saying you don't have the stomach for this, but I do think your heart is getting in the way in this particular situation. I get the feeling that if your tenant was 25 years old and had only been renting from you since last October, you would have no problem raising the rent to market levels at every renewal."


Interest rates can't remain this low. It's like having extremely low blood pressure. When you raise the rates, banks are incented to loan money and that movement of capital is good for the economy. It forces us to become savers instead of spenders, and our pensions, 401ks, social security are all getting killed by not being able to use debt to get safer stable returns. Interest rates have to come back up.


Yes, and heres some pretty scary stats. Global debt went from about 200% of GPD in 2007 to 325% of GDP today. Global Debt is about 2.5x more than the value of global broad money (all the money in the world). The value of the derivatives market has increased to 6x the value of all global debt. Meaning a global market of packaging and trading debt exists that is 6x the value of the debt being traded, and 15x the value of all the money in the world.


big banks are not the only Big Money out there. In fact, big banks have way more oversight than most other businesses. Everyone uses banks for most things. It's kind of hard NOT to these days. But banks are built to handle money. That's what they do! Of COURSE banks are almost always involved in everything that requires money. I don't understand why you brought this up at all. It doesn't really support your point, and has little to do with my point.


For DACA Immigration Attorney, contact Immigration Law Group, PC (ILG) at 1300 Connecticut Ave. NW, Suite 525, Washington, DC 20036, Phone: 202-416-1789. ILG is a Washington, D.C. law firm which practices exclusively in US immigration law. ILG represents a wide variety of clients from around the world. Call today to arrange an in-person consultation or get more information at http://www.immigrationgroup.com/CM/Custom/DACA_deferred_action.html


I will no longer buy phones. I will in future buy mobile computers that have the ability to make phone calls and send text messages. My bet is that there are a lot of people who think like that. Any company that doesn't realize this will be in serious trouble.