>You seem to have very little respect for your coworkers in general. So why the fuck are you still there?!? A true high performers rarely can stomach working with people they despise as long as you've been with this company. It's a job and I need the money. I'm used to being the top percentile of the class, working at the top firms. The economy has made that difficult. So I'm settling for less and looking for better opportunities in the meantime. Thanks for the advice, I understand what you mean now.


property rights...N. America was the only region without a large population relative to it's size because it's cold. To encourage ppl to move their the King of England had to give ppl property rights, which he did not in other southern colonies where their main plan was resource extraction (not sure if this is the case in NZ or Australia, but I wouldn't be surprised).


They most likely went to the debt markets for the money. I'm only saying this because it's still cheap to borrow money and Bezos has a history of borrowing money for acquisitions, especially in the early 2000s (most of which Bezos later regretted). Amazon obviously has huge cash pile but why would you ever use your own money when you can use someone else's?


Many services charge prices that do not scale linearly with usage. This is because the service provider has fixed costs that they must recoup by charging a rate with a fixed component. A 5-mile taxi ride is unlikely to cost half what a 10-mile taxi ride costs. Even a half sandwich at a sandwich place usually costs more than half of what a full sandwich costs. In this respect, insurance is no different from many other items you may purchase.


Option prices can predict the range of movement of the underlying, but not if the underlying is going up or down. An option price gives an implied volatility for an underlying . That IV number helps predict a range for the underlying price over the next few days,months, upto a year.


Yes, you can set up a PayPal or a Google Checkout account without a bank account linked to it. Neither PayPal nor Google Checkout requires you to link to a bank account. Both services provide for linking your payment account to a credit card instead.


There are different types of agreements. Sometimes an underwriter will simply try to find buyers. Other times an underwriter will guarantee that all shares will be sold at some price. If this is the case and they do not find enough buyers, the underwriter will buy the remaining shares.


"> ""Our biblical mission,"" an online statement reads, ""is to 'sell' our lighting products so that we may 'tell' everyone we can about God's soul-saving, life transforming gospel message..."" First piece of evidence (but legal) > In the interview, Wolfe claims he was told most employees at Voss were Southern Baptist, but employees could go to any church, as long as they were ""born again."" Second piece of evidence (trending towards grey area, but legal) > According to the complaint, the manager asked Wolfe ""to identify every church he has attended over the past several years; where and when [he] was 'saved' and the circumstances that led up to it."" Third piece of evidence (not legal) > The complaint claims the manager asked Wolfe if he would ""have a problem"" coming to work early, without pay, to attend Bible study. Fourth (not legal, but often overlooked) When I say the business laid out what they expect out of employees, I did mean ""during the hiring process based on the questions asked"", not laid them out in public view. It's still illegal whether they did it in public or private."


I would not remove the current social programs . I wouldn't keep the current school system in the States or Canada if I was going to do this either . Public tax payed schools and apprenticeship programs only . So not qualified would not really be an issue , there would be something . Not wanting to is actually kind of the point , since apparently according to the article most unemployed men really want to do just do drugs or it doesn't say so but I suspect stay home and play video games or both .


Although I don't think you need to factor in risk tolerance to get the probabilities, I agree with JoeTaxpayer that you will need to factor in risk tolerance in order to make a practical decision about what to do. In fact, I think that to make a practical decision you will need more than the specific probability you ask for you in the question; rather, you would like to see the complete probability distribution of possible outcomes. In other words, it's not enough to know that there is a 51% chance that investing will outperform paying down debt. You actually need to know much it outperforms when it does outperform, and how much it underperforms when it underperforms. As JoeTaxpayer's comment suggests, you might not choose to make an investment that had a 99% chance of outperforming debt payment by 1%, and a 1% chance of underperforming by 99%. I think it possible to address these questions by doing simulations. This can be done even with a spreadsheet, but more flexibly with simple programming. Essentially you can create some kind of probabilistic model of the various factors (e.g., chance that your investment will go up or down) and see what actually happens: how often you lose a lot of money, lose a little money, gain a little money, or gain a lot of money. Then based on that you can consult your inner spirit animal to decide whether the probability distribution of possible gains outweighs that of possible losses.


Misleading title. The McDonald's corporation is having trouble on three continents. Title makes it sound like people are threatening him to the point of having to lock himself in his home or have armed guards around when travelling abroad. But what else can you expect from HuffPo...


You are correct in thinking actual number of shares do not matter, the value is the value. However there are cases where share price does play a role. Berkshire Hathaway for example has not split because Warren Buffet believes it has cut down on the liquidity of the stock, as well as attracting investors with an eye for the longer term. There have also been things written on the psychology of a share price. For example, some people are attracted to shares that split, because it reflects a company is growing.


It depends on the vesting schedule and the likelihood you'll be there long enough to get any vesting. A typical 6 year schedule gets you 20% after 2 years. You already know you'll be there 1 year, so now you need to decide if you'll last 2 years. Unless you know for sure you won't last 2 years, you should take the match on the 4%. Suppose your retirement plan earns 10%. If you leave before 2 years, compared with your 18% you're only behind by 8% return. But if you last 2 years, you'd be making a 32% return on that same amount. After 3 years you'd make 54%, and up it goes from there until you hit a 120% return after 6 years. I'd take the match simply because you have a lot more to gain than you have to lose if you leave early.


"If neither of you has evidence to show the other, it sounds like you're just fighting over pre-conceived gut-opinions. If both of you can admit to that, then start from there, and start taking a look at the evidence together. Make sure you have a common goal that you can use as a measuring stick, while looking at the available evidence - if two people are measuring the same ""truth"" with different measuring sticks, they'll probably end up with unrelated conclusions..."


EDIT: After reading one of the comments on the original question, I realized that there is a much more intuitive way to think about this. If you look at it as a standard PV calculation and hold each of the cashflows constant. Really what's happening is that because of inflation the discount rate isn't the full value of the interest rate. Really the discount rate is only the portion of the interest rate above the inflation rate. Hence in the standard perpetuity PV equation PV = A / r r becomes the interest rate less the inflation rate which gives you PV = A / (i - g). That seems like a much better way to get to the answer than all the machinations I was originally trying. Original Answer: I think I finally figured this out. The general term for this type of system in which the payments increase over time is a gradient series annuity. In this specific example since the payment is increasing by a percentage each period (not a constant rate) this would be considered a geometric gradient series. According to this link the formula for the present value of a geometric gradient series of payments is: Where P is the present value of this series of cashflows. A_1 is the initial payment for period 1 (i.e. the amount you want to withdraw adjusted for inflation). g is the gradient or growth rate of the periodic payment (in this case this is the inflation rate) i is the interest rate n is the number of payments This is almost exactly what I was looking for in my original question. The only problem is this is for a fixed amount of time (i.e. n periods). In order to figure out the formula for a perpetuity we need to find the limit of the right side of this equation as the number of periods (n) approaches infinity. Luckily in this equation n is already well isolated to a single term: (1 + g)^n/(1 + i)^-n}. And since we know that the interest rate, i, has to be greater than the inflation rate, g, the limit of that factor is 0. So after replacing that term with 0 our equation simplifies to the following: Note: I don't do this stuff for a living and honestly don't have a fantastic finance IQ. It's been a while since I've done any calculus or even this much algebra so I may have made an error in the math.


The reason I don't know of any banks who would offer this to you (even if you held the investment account with their bank) is that there is no upside to the bank. It is a good idea for you, but what would they have to gain from this arrangement? The reason banks require a down payment is underwriting quality. If you can afford a significant down payment, they know that there is a significantly lower chance that you will default. However, if you were to provide an investment account as collateral, you would receive all the upside, and any downside would reduce their collateral as a percent of the amount loaned. This sort of idea could potentially work along the lines of a margin call (ie you have to provide additional capital if your asset value drops), but this would have the effective of leveraging the bank's risk, when their objective is to lower their risk through requiring a down payment. I don't see a reason why the bank would take on the risk that you would need to provide additional capital down the road with no upside for them. Additionally, many banks have backed away from the kinds of zero-down-payment and negative-amortization-ARM loans that got them (or the people they sold them to) in trouble over the last few years in an effort to reduce how much risk they take on. I think that in theory, you'd have to offer a lot more benefit to the bank, and that in practice it's probably a non-starter right now.


They are not as good of an option when compared to a card you open chosen based on features and rates. Get a card with a lower rate that can be used anywhere.


It's not an easy calculation so I made this demonstration that compares a fixed investment with a 100% mortgage, for a simple case. (Obviously if you lessen the mortgage with a deposit it's somewhere between the extremes.) The demonstrations shows some definite differences at higher interest rates. You can probably decipher the calculations in the code if you're interested. It's intended to be legible. http://demonstrations.wolfram.com/BuyOrRentInvestmentReturnCalculator/


I forgot to share with you the latest news [62-Year-Old German Woman Fined over 1,000 Euros for Sharing Anti-Migrant Joke Online](http://www.breitbart.com/london/2017/06/04/62-year-old-german-woman-fined-1000-euros-sharing-anti-migrant-joke-online/) > A 62-year-old German woman has been fined 1,350 euros by the government after she shared and liked an anti-migrant joke picture on her Facebook page. The 62-year-old Berlin resident Jutta B. from Lichtenberg was arrested and had her home raided by police after she shared a picture on Facebook entitled, “Do you have anything against refugees?” For sharing the picture, which included disparaging comments about migrants, the woman was sentenced to a 1,350 euro fine, German newspaper Berliner Morgenpost reports. **Germans are so happy and free in their own safe and tolerant country!**


With 100K, I would dump the first 95K into something lame like a tax advantaged bond or do as the others here suggested. My alternative would be to take the remaining 5K and put into something leveraged. For instance, 5K would be more than enough to buy long term LEAPS options on the SPY ETF. @ Time of post, you could get 4 contracts on the DEC 2017 leaps at the $225 strike (roughly 10% out of the money) for under $1200 apiece. Possibly $1100 if you scalp them. 4 * $1200 = $4800 at risk. 4 * $22500 = $90,000 = amount of SPY stock you control with your $4800. If the market drops, SPY never reaches $225 in the next 3 years and you are out the $4800, but can use that to reduce capital gains and still have the $95K on the sidelines earning $950 or so per year. Basically you'd be guaranteed to have $97K in the bank after two years. If the market goes up significantly before 2018, you'll still have 95K in the bank earning a measly 1%, but you've also got 4 contracts which are equal to $90K shares of S&P 500. Almost as if every single dollar was invested. Bad news, if SPY goes up 20% or more from current levels over the next three years you'll unfortunately have earned some taxable income. Boo freaking hoo. https://money.stackexchange.com/a/48958/13043


There are alreayd solutions. Shorter working hours, increased leisure time. Sure people will have less money, but some have postulated that doing so will decrease the cost of living as a correlation, so things should be that much cheaper as well, plus the reduced costs associated with unemployment, and increased need for service industries to work with all the additional leisure time,.


How is not different? You want to retire early; hence, you will save what you deem necessary to retire early. On the other hand, if you turn your retirement savings into capital gains; that's good. Nonetheless, if you start to earn capital gains that is detrimental to the economic value of the state; then, your taxes should be at higher rate to compensate for that. Everyone encourages business; rarely anyone would encourage a monopoly. Earning wealth is good business, hoarding wealth is a monopoly.


Would I have to pay income tax other then TDS on interest earned on my saving bank account. No being NRI you are not taxed in India on income outside of India. I am sending money from EU to my OWN saving account. Please note this account is not NRI\NRO\FCNR As an NRI you CANNOT by law hold a regular Savings Account. Please convert this account to NRO ASAP. Does the channel I use to transfer money to India would make any difference? Its 3rd party transfer service. Whether you transfer the funds or not is irrelevant. As the income was during the period when your status is NRI, there is no Tax in India. sold some shares from my Indian demat account online and got some STCG. You would need to pay tax on this in India Edit: Self Assessment Tax can be paid till 30 July 2015 for the Financial Year 1 April 2014 to 31 March 2015. Tax have to be paid in advance, so if your tax obligation is more than Rs 10,000/- there will be an interest at 1% per month and penalty at 1% per month payable


another point to consider is that as new jobs are created in services for example, they don't necessarily create as much value (and therefore income) as the old jobs that they are replacing this is one reason for our current economic structure, a tiny upper class and a majority of low-wage earners serving them


"Their interest expense was $17M. Where you see $5.14/sh in Key Statistics, any daily interest received is more than canceled out by the expense paid at the same time. I understand your concern, but this company is not ""sitting on cash"" as are Apple, Google, etc. Short term rates are well below 1%, 1yr tbill looks like about .2%. So strictly speaking, each share might have 1 cent interest you need to concern yourself with. Disclaimer to other readers - This has nothing to do with taxes. OP is asking about a specific part of the company cash flow. His worst case is $1 per 100 shares."


"[JAPS Surrender](http://www.amren.com/ar/2009/05/15a-japs-surrender.jpg), also not an accurate headline since not all Japanese did surrender and there were some holdouts in remote locations for decades after the war. No headline can be accurate under strict enough criteria and there are limitations on headline space because it quickly turns into a paragraph to get everything right (it's head**line** not headparagraph with citations). Also headlines, so far as I know, are used to grab attention and the facts are in the story (which qualifies the headline). That's the way it's always been. And ""Stuff About CEO Pay"" doesn't have anywhere close to the same appeal."


I would say not. I feel like the narrative here is supposed to be that these closings are victims of a shift to online shopping, but in reality I feel like that's only partially a cause. Sears and Kmart were on the downswing before online shopping was as significant of a competitor. All their locations I've ever visited are/were poorly run. Bad customer service, understocked shelves, bad presentation, etc. I'm sure the internet hasn't helped brick-and-mortar stores, but these two don't exactly make me feel bad that they're on the way out.


"> it's cult of excuse makers present their case Huh? You were complaining that the Monsanto 'side' were using science and facts, whereas you were trying to use a ""general look from the outside that suggests"". I haven't seen you present a single shred of scientific evidence so far. Just moan that everyone who disagrees with you is a shill."


These are the most ideal approaches to search for a viable Chinese course Shanghai tutor. Keep in mind that it's not quite recently the tutor's learning that you ought to know about. You should likewise mull over the way that she will keep you up on your toes as you learn the language.


I vote on Plan C. Why pay taxes? In an emergency situation, you could always borrow from the 401k.


You will need Premier, since it is the first one to include Schedule E. Deluxe used to support Schedule E for investments, but not anymore. Most taxpayers know Schedule E as the schedule used for rentals, but you're going to need it to report your S-Corp income.


"It's called Scenario Planning most often and yes, major corps always do this, and yes, political climate is a high ranking criterion - especially where it really matters (and healthcare has been up there for oh, about 20 years at least). I haven't been in their board room, that is why I'm ""almost"" certain."


Bullshit. Do you actually work with young people or is this just a caricature you've imagined up? About 90% of the young people I've worked with are hard workers and want to improve their knowledge and proficiency. I've seen virtually no evidence of people just showing up expecting a 6 figure salary because they have a bachelor's degree.


One more thing to consider is fleet upgrading. Let's say an individual person drives in the rain and finds out that set of circumstances causes the car to fishtail and crash. Now that one person knows that lesson. Nobody else benefits from that new knowledge. That one guy will be super careful next time it rains and he drives into a curve or whatever, but the next guy doesn't know better, so he may make the same mistake as the first driver. When the computer AI crashes the car, the company pours over the crash data. The software is tweaked to learn to avoid that kind of accident, and that updated software is pushed to the whole fleet. Now every car that gets that update is a little bit better of a driver. Over the months and years, it will get better and better.


The one in Vegas is awesome. Mountain Dew Baja Blast Breeze with tequila tastes pretty good. Though I think their plan is rather ambitious, 300+ Taco Bell Cantinas, 50 in Manhattan?! Outside of major nightlife areas, I don't see it working.


"The simple answer is: Where 'think' stands for ""after your calculations, and guts/intuitions, and analysis"", of course."


Written by salesmen, for clueless executives. Why bother to ask your in house tech people for their input? It's so degrading when everyone knows you are better than they are. it goes so wrong almost every time.


I didn't vote one way or another. But this passes for analysis? It seems like a bunch of childish name-calling. > mainstream media propaganda ... talking head breathlessly ... Wall Street oil analysts ... paid hundreds of thousands of dollars ... paraded on CNBC ... episode of a never ending reality show ... sedated ... brainless twits ... corporate mainstream media ... promoting the storyline of those in power ... government drones Edit: above is from the opening paragraph.


"Shrekli was rightfully caught illegally funneling money from one company to pay back investors in a failing fund. That's separate from the so-called ""AIDs drug"" he supposedly price-gouged pple with. First off, the drug is not an AIDs Rx. It treats a parasite-caused disease called toxoplasmosis that pple w/ a weakened immune system (i.e. like AIDs patients) are at risk for. The drug is only needed until the parasite is gotten rid of & it was also a drug that caused adverse drug reactions...something that the biomedical industry is trying to lower w/ pharmacogenomics/pharmacogenetics data. You may not like capitalism, but personally, I think it's a good thing that there are pple like Shkreli who want to take old drugs and develop better, less toxic medications. And from my understanding, the pts who did not have insurance or could not pay for this drug were given it for free."


Here is another explanation of an SMA. SMA refers to the Special Memorandum Account which represents neither equity nor cash but rather a line of credit created when the market value of securities in a Reg. T margin account increase in value. For example, assume the market value of securities purchased at a cost of $10,000 on margin (at 50%) increase in value to $12,000. This $2,000 increase in market value would create SMA of $1,000, which provides the account holder the ability to either: 1) buy additional securities valued at $2,000 (assuming a 50% margin rate) without depositing up additional funds; or 2) withdraw $2,000 in cash, which may be financed by increasing the debit balance if the account holds no cash. It should be noted that while an increase in market value over original cost creates SMA, a subsequent decline in market value has no effect on SMA. SMA will only decline if used to purchase securities or withdraw cash and the only restriction with respect to its use is that the additional purchases or withdrawals do not bring the account below the maintenance margin requirement. SMA will also increase on a dollar for dollar basis in the event of cash deposits or dividends. More details at http://ibkb.interactivebrokers.com/article/66


"They may have planned on spending more money, but they haven't actually done so (just as I may plan to buy a new TV, but up until I've bought it I can change my mind). The ever increasing spending, and related debt, is just a symptom of our ""leaders"" failing to make choices and lead. If A is more important than B, then spend the money on A and forego B--don't buy both. And, if both are essential then raise the taxes to pay for them. All we've seen for the last 40 years is congress buying A, and B, and then throwing in C for good measure but never figuring out how to pay for them. They simply pass the debts on to future generations and that's what has to stop. If we need something now, we should pay for it now. We should not be signing away our children's futures expecting them to pay for things because we want them now."


Credit is not free money. The idea is you will repay all of it, within a reasonable amount of time. It is abundantly clear you either don't really understand this concept or completely failed at planning for it. Or even at keeping up with how much you owe - you are curiously blaming the bank for letting you go over the limit. The reason most banks will authorize that for credit customers is they don't want to strand people in some sort of an emergency situation. I'd recommend you cut back on your spending and work on paying the balance down. If you have been charged any over the limit fees you can attempt to negotiate getting those credited. Most banks will compromise on that the first time. I don't really recommend it, but if there are some circumstances surrounding this that are temporary and you are very confident about being able to manage money better in the future - chances are you might be able to get approved for another card. If you otherwise have had some good credit history and this situation is very recent, it may not even show up on your credit report yet and another bank might happily approve you. They may even offer a low or zero interest (for some time) balance transfer deal, which you should use to get the other card within the limit. If that ends up working, it's very important that you keep in mind having dodged the bullet once doesn't mean you will ever be able to do it again. Get your budget in order and pay things off.


My advice would be to keep in mind they want to know 2 things. Are you smart enough/hard working enough to do the job? You answer this typically with the resume which gets you to the second question, Are you a normal human being they would like to hang out with/interact with for 8 hours a day 5 days a week?


The state has been running a deficit for at least 15 years. Many want to blame Rauner (he didn't pass any bills to help, but arguably brought the issue to the forefront.) But at this point it's basically systemic and baked into the structure of the state. There needs to be major changes but no politician (or not enough) want to pursue long term solutions. It's all about immediate political power. There are rumblings of Illinois being the first state to file for bankruptcy.


You could theoretically use any time period unit, but 1 minute and 30 minute seem to be the most common and useful. Especially for active traders. This also has the added advantage of giving you useful insight into the trade volumes throughout the day; assuming that is also included on the chart. I think most include that as a bar chart across the bottom. Here is a great example for crude oil on dailyfx: https://www.dailyfx.com/crude-oil Notice that the chart has time options at the top left which include 1 minute, 30 minutes, 1 hour, and 1 day.


"Investopedia probably should change the wording to ""tax free"" since all of the gains in a Roth IRA can be withdrawn without any additional taxes at retirement time. Tax deferred should only refer to the gains in a traditional IRA. ""Tax advantaged"" might be a reasonable term to use in both cases."


To add to Dheer's point, the vast majority of retail investors will have to pay fees and use up a large amount of valuable time on the entrance and exit of each stock, and each and every time you rebalance as the index weightings change. These also add up extremely fast vs the few basis points the large and liquid ETFs charge for this service.


"Repurchase agreements are a way of financing a security position. You have a collateralized loan where you give your security in exchange for cash. Let's say you have a 10 year Treasury note paying 3.5% while the 1-week repurchase rate is 0.5%. You loan the security to someone with a promise to repurchase it from them some time in the future. You collect the 3.5% coupon and you pay the 0.5% interest. Clearly it makes no sense for someone to collect interest on money and also collect coupon payments. And for the counter-party it makes no sense to be not getting coupon payments and also to be paying interest. This how one website explains the process: During the transaction, any coupon payments that come due belong to the legal owner, the ""borrower."" However, when this happens, a cash amount equal to the coupon is paid to the original owner, this is called ""manufactured payment."" In order to avoid the tax payment on the coupon, some institutions will repo the security to a tax exempt entity and receive the manufactured payment and avoid the tax (""coupon washing"") I find this unequivocal description to be the clearest During the life of the transaction the market risk and the credit risk of the collateral remain with the seller. (Because he has agreed to repurchase the asset for an agreed sum of money at maturity). Provided the trade is correctly documented if the collateral has a coupon payment during the life of the repo the buyer is obliged to pay this to the seller."


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No, because that would be just as unsutainable. I'm saying that in terms of effect on cost inflation in this sector, single payer doesn't help any more than the current system in the US. Any time you pay for services with a financial product that fails to apply downward pressure on prices, you will see skyrocketing costs, just like we saw in the housing bubble, and like we are seeing now with college tuition and health care.


You can check the website for the company that manages the fund. For example, take the iShares Nasdaq Biotechnology ETF (IBB). iShares publishes the complete list of the fund's holdings on their website. This information isn't always easy to find or available, but it's a place to start. For some index funds, you should just be able to look up the index the fund is trying to match. This won't be perfect (take Vanguard's S&P 500 ETF (VOO); the fund holds 503 stocks, while the S&P 500 index is comprised of exactly 500), but once again, it's a place to start. A few more points to keep in mind. Remember that many ETF's, including equity ETF's, will hold a small portion of their assets in cash or cash-equivalent instruments to assist with rebalancing. For index funds, this may not be reflected in the index itself, and it may not show up in the list of holdings. VOO is an example of this. However, that information is usually available in the fund's prospectus or the fund's site. Also, I doubt that many stock ETF's, at least index funds, change their asset allocations all that frequently. The amounts may change slightly, but depending on the size of their holdings in a given stock, it's unlikely that the fund's manager would drop it entirely.


At what point does my investment benefit from compounded interest? Monthly? Quarter? Yearly? Does it even benefit? I think you are mixing things. There is no concept of interest or compounding in Mutual Funds. When you buy a mutual fund, it either appreciates in value or depreciates in value; both can happen depending on the time period you compare. Now, let's assume at the end of the year I have a 5% return. My $10,000 is now $10,500. The way you need to look at this is Given you started with $10,000 and its now $10,500 the return is 5%. Now if you want to calculate simple return or compounded return, you would have to calculate accordingly. You may potentially want to find a compounded return for ease of comparison with say a Bank FD interest rate or some other reason. So if $10,000 become $10,500 after one year and $11,000 after 2 year. The absolute return is 10%, the simple yearly return is 5%. Or the Simple rate of return for first year is 5% and for second year is 4.9%. Or the Average Year on Year return is 4.775%.


It would be fairer to the average person if we paid our normal tax rate on the amount we contributed to the IRA and paid at the capital gains rate for the difference. The same as people that invest outside of the IRA. Most IRAs aren't that large and most people are going to have a rough time living on the reduced social security. It seems like we are taxing the average Joe at a higher rate than the rich.


"First of all, I'm happy that the medical treatments were successful. I can't even imagine what you were going through. However, you are now faced with a not-so-uncommon reality that many households face. Here's some other options you might not have thought of: I would avoid adding more debt if at all possible. I would first focus on the the cost side. With a good income you can also squeeze every last dollar out of your budget to send them to school. I agree with your dislike of parent loans for the same reasons, plus they don't encourage cost savings and there's no asset to ""give back"" if school doesn't work out (roughly half of all students that start college don't graduate) I would also avoid borrowing more than 80% of your home's value to avoid PMI or higher loan rates. You also say that you can pay off the HELOC in 5 years - why can you do that but not cash flow the college? Also note that a second mortgage may be worse that a HELOC - the fees will be higher, and you still won't be able to borrow more that what the house is worth."


If someone recommends a particular investment rather than a class of investments, assume they are getting a commission and walk away. If someone recommends whole life insurance as an investment vehicle, walk away. Find someone whose fiduciary responsibility is explicitly to you as their client. That legally obligated them to consider your best interests first. It doesn't guarantee they are good, but it's done protection against their being actively evil.


I would go with the 2nd option (put down as little as possible) with a small caveat: avoid the mortgage insurance if you can and put down 20%. Holding your rental property(ies)'s mortgage has some benefits: You can write off the mortgage interest. In Canada you cannot write off the mortgage interest from your primary residence. You can write off stuff renovations and new appliances. You can use this to your advantage if you have both a primary residence and a rental property. Get my drift? P.S. I do not think it's a good time right now to buy a property and rent it out simply because the housing prices are over-priced. The rate of return of your investment is too low. P.S.2. I get the feeling from your question that you would like to purchase several properties in the long-term future. I would like to say that the key to good and low risk investing is diversification. Don't put all of your money into one basket. This includes real estate. Like any other investment, real estate goes down too. In the last 50 or so years real estate has only apprepriated around 2.5% per year. While, real estate is a good long term investment, don't make it 80% of your investment portfolio.


No. Brokers and HFT are two different entities, mostly. No HFT shops have prior information about a client order. PM me if you want to discuss more in detail. Getting beyond the scope of this post.


Who said I'm worried? I'm just telling you what antibiotic-free means. Some people care about animals getting antibiotics because overuse of antibiotics might lead to antibiotic-resistant bacteria. I'm unsure how fluoride is related to antibiotics, but I'm sure your precious bodily fluids are uncontaminated.


As others said, Greece cannot set.monetary policy because that is the job of the ECB. If you meant fiscal policy, then you are right: their high levels of debt plus their default this year make it so that they cannot unilaterally borrow more money to run a deficit as the private market will not lend to them. This makes them dependent on a bailout.


So, my loan has about a 4.8% interest rate, payments about 450 a month for 10 years, so no, I'm not particularly worried about my loans. Rates are low and refinancing is easy once you're a couple years out of college.


"Simple answer: Breakeven is when the security being traded reaches a price equal to the cost of the option plus the option's strike price, assuming you choose to exercise it. So for example, if you paid $1.00 for,say, a call option with a strike price of $19.00, breakeven would be when the security itself reaches $20.00. That being said, I can't imagine why you'd ""close out a position"" at the breakeven point. You wouldn't make or lose money doing that, so it wouldn't be rational. Now, as the option approaches expiration, you may make adjustments to the position to reflect shifts in momentum of the stock. So, if it looks as though the stock may not reach the option strike price, you could close out the position and take your lumps. But if the stock has momentum that will carry it past the strike price by expiration, you may choose to augment your position with additional contracts, although this would obviously mean the new contracts would be priced higher, which raises your dollar cost basis, and this may not make much sense. Another option in this scenario is that if the stock is going to surpass strike price, it might be a good opportunity to buy additional calls with either later expiration dates or with higher strike prices, depending on how much higher you speculate the stock will climb. I've managed to make some money doing this, buying options with strike prices just a dollar or two higher (or lower when playing puts), because the premiums were (in my opinion) underpriced to the potential peak of the stock by the expiration date. Sometimes the new options were actually slightly cheaper than my original positions, so my dollar cost basis overall dropped somewhat, improving my profit percentages."


This is called the gordon growth model (or dividend discount model). This is one way to value a stock, but in practice no one uses it because the assumptions are that companies will return value to investors solely via regular dividends, and that the growth rate and the required rate of return from investors are constants; among other issues.


"I can think of a few reasons for this. First, bonds are not as correlated with the stock market so having some in your portfolio will reduce volatility by a bit. This is nice because it makes you panic less about the value changes in your portfolio when the stock market is acting up, and I'm sure that fund managers would rather you make less money consistently then more money in a more volatile way. Secondly, you never know when you might need that money, and since stock market crashes tend to be correlated with people losing their jobs, it would be really unfortunate to have to sell off stocks when they are under-priced due to market shenanigans. The bond portion of your portfolio would be more likely to be stable and easier to sell to help you get through a rough patch. I have some investment money I don't plan to touch for 20 years and I have the bond portion set to 5-10% since I might as well go for a ""high growth"" position, but if you're more conservative, and might make withdrawals, it's better to have more in bonds... I definitely will switch over more into bonds when I get ready to retire-- I'd rather have slow consistent payments for my retirement than lose a lot in an unexpected crash at a bad time!"


"You're circling around the answer... The only real difference between a loddar and a privately-issued promissory note is that the loddar is issued by a recognized third party with better credit/credibility (the whole merchant/priest/farmer cartel-thing). Private entities absolutely can and do issue their own promises to pay, and accept them, and in turn rely on those promises to make other promises. It's what you do when you charge something to a credit-card on the basis of your employer's promise to pay. You charge new tires, the tire store promises to pay its employees based on your CC company's promise to pay the tire-store, which is based on your promise to pay the credit-card company, which is based on your employer's promise to pay you, which is based on your employer's contracts with its customers, and so on... In fact, often as not, the whole chain *never actually gets reconciled with printed cash.* The central bank never has to print or even know about these transactions. It's just checks and electronic transfers: promises all the way down, maybe with occasional cash withdrawals for popcorn at the movies or to tip the stripper or something... That doesn't mean it's not ""real money"", it absolutely is: those promises are buying groceries and tires and making mortgage-payments and paying dentist bills and getting people to dig up stuff out of mines that will be fashioned into iPads, and all kinds of stuff. Where this hurts most people in the brain is that they kind of accept dollar bills as axiomatically and intrinsically valuable. So trying to explain in reverse how they are the same as promissory notes or credit-certificates is like trying to convince them that a plane ticket is the same as an airplane (which is obviously not true). That's why I started with this imaginary world without money. If you let go of any preconceptions, and stop trying to think through the analogies and don't read it trying to predictively look for the outcome conclusions, if you just read it and follow the story through, it is obvious that the *only* intrinsic difference (in that imaginary world) between apple-certificates, loddars, and privately-issued IOUs is the *credibility of the issuer*. Trying to understand this stuff via analogy will make your head spin: Taking it all the way back to the thread-topic and the question at the top of the page, what makes it so difficult is the tendency and mental impulse to analogize money as a ""thing"" that ""is"" somewhere, and therefore has to ""go"" somewhere. But that's an intrinsically and substantially imperfect analogy, which is what makes it hard to explain to a five-year-old. And you can't make the reality fit that analogy and stay sane. Even if you refuse to accept all this maddening abstraction and insist on only doing transactions with physical cash, or gold pieces, *the value of those markers is still 100% contingent on everyone accepting that everyone else will continue to believe that everyone else will continue to accept that currency...* Money is essentially a promise that other people will keep. Instead of giving you food, your employer gives you a ""universal gift certificate"" that you can redeem anywhere, and everyone else will accept it, because they can in turn redeem it anywhere else. The only difference between using a bank-draft or printed dollar bill, versus writing a promise to make good yourself, is the credibility of the issuer. That's a really difficult premise for most people to accept, because it's invisible and abstract, and seems to conflict with tangible interactions you've been doing all your life. So we have this sort of tendency to try and force the reality to fit preconceived conceptual analogies, like someone who keeps rejecting explanations of how airplanes can fly because ""that still doesn't explain how metal can be lighter than air""... it's demanding that the reality must fit a hypothesis that doesn't apply. Hope that helps."


Most UK stock brokers don't require or allow margin trading. A quick web search for 'UK share dealing comparison' shows entries from money.co.uk and moneysupermarket.com who both provide lists of different brokers, e.g. Barclays, Hargraves Lansdown, IG Share Dealing, The Share Centre, TD Direct, Interactive Investor, YouInvest, etc. Some of the UK banks also provide a share dealing service, from quickly looking at their websites, Barclays, HSBC and Halifax all appear to provide share dealing services.


First The Intelligent Investor and then the 1962 edition Security Analysis - which is out of print, you can get it on Amazon.com used or ebay. Then you can read the edition backward but the 1962 edition is the best - IMHO. And don't forget The Rediscovered Benjamin Graham and Benjamin Graham on Value Investing by Jane Lowe


It's not typically possible for someone to jointly own the house, who is not also jointly liable for the mortgage. This doesn't matter however, because it is possible for two people to get a mortgage together, where only one person's income is assessed by the lender. If that person could get a mortgage of that amount on their own, then the couple should also be able to get the same mortgage. Source: My wife and I got a mortgage like this. She is self-employed, rather than meet the very high requirements for proving her self-employment income, we simply said that we only wanted my income to be taken into consideration.


A personalized alphabet chart can help keep track of your little one’s growth. It’s one of the most effective ways to introduce your child to the world of alphabets. The whole idea of personalization can infuse interest in the kid and make it a fun and engaging experience overall. Print BIG Photo offers the best kinds at affordable rates.


Say a stock is listed in Nasdaq, and the same company has a stock listed in Tsx. Does the Nasdaq price affect the Tsx price as trading commences? Not directly. Basically, an exchange is a market, and the price is defined only by supply and demand in that market. However, any substantial price differential for a commodity traded in multiple market creates an arbitrage opportunity, and there are many traders whose job it is exactly to find and use such opportunities. Their activity in turn has the effect of reducing the price differentials to the point where transaction costs make them unprofitable. With high-frequency traders around, the time for a price differential to disappear is nowadays measured in milliseconds. If a trader buys from one exchange, will it affect the price of the other? Only through the mechanism mentioned above. Are there any benefits to being listed in two exchanges? It increases the liquidity of a stock.


At the end of the day, Heavenfall needs a paradigm shift so that we can square the circle. Because when the rubber meets the road, he needs to strategize how he can bring the same value add that others are bringing to this discussion. I didn't even have to look back at the article.


Many years ago, I worked for a medium sized company that developed HR software for medium sized companies. Their own HR department bought and used another company's HR system, arguing that internal billing costs made the in-house system too expensive. The CEO said this was a sensible business decision. I was quite surprised.


Eyes are very sensitive. You have to look after them really well so you don't end up with big issues. Some eye issues may result in high blood pressure or diabetes. You are going get an Eye Care in Barrington IL that can be professionals and certified to deal with disease, allergies, dry eyes, infections and other problems. They should be able to assess your eye health with new technological innovation. You should be able to get searching for picture of your eye if you need to see the growth of anything irregular going on in there.


You can deliberately phrase it in a derogatory way all you want, but until the Democrats start to at least even mention things like jobs and international deals, rather than concentrating on dividing people into different victimized groups to gain power over them, or which appropriate gender pronouns to use to not offend the always-offended... the silent majority of Americans will just ignore them.


Let Go App...good way to find awesome deals on furniture. Depending on climate find a nice bike, pretty easy way to get around & low maintenance costs compared to a car ( i.e. insurance, gas, repairs). Then depending on whether your work offers matching 401k programs, max that out or find a good index fund & consistently build that emergency fund. Chill for 10-15 years & enjoy the benefits of compounding interest my friend.


> You're not an engineer, are you? Of course I am. And I run a business that employs nearly a dozen other engineers. You've been working at the wrong places if you're this bitter and demoralized. I'd encourage you to find a better job so you don't feel like you're merely swapping hours of your finite existence for cash.


It discourages people from obtaining a high-limit card simply to show off, because the bank's forcing them to use it or lose it.


This is not accurate. Amazon is not a monopoly because they don't control any given market. It's a great use case for exploring the limitations of our current laws and regulatory apparatuses in the digital age. A great use case and a terrifying one. Similarly to all the data security problems coming up. Regulation has not kept pace with how the world has changed. /is changing.


I'm suspect of the claim too, but my university let me take 25-30 hours+ after I threw a stink. Since I didn't take summer classes and the engineering workload was immense, I have no interest in doing a 5-year degree. It was/is a credible university. That being said, some people are more unlucky than others, but many don't take advantage of their luck. There's a reason foreigners often compromise a lion's share of the new millionaires in this country and dominant in education despite the fact they often have depressed economic situations. Yes, yes, model minority blah blah blah. THAT being said, everybody gets help from somebody at some point in their life, even if it's parents or a friend. Very, very few people get *no help ever*.


In addition to what @HartCO and @rocketman wrote, being a successful landlord either takes a lot of either:


Hopefully we can correct some of these balances though. Our brains evolved for fight or flight style survival, not for living in modern urban environments. I can certainly see the benefit for an artificial brain to be able to make perfect math calculations for instance, something our human brain struggles with. If we can't find ways to overcome these issues, what is the point really.


Steve Jobs was only good in marketing and taking advantage of ideas invented originally by many gray people. For example, the Apple II was totally invented and created by Steve Wozniak who was mistreated by Jobs. When Steve Jobs came with his own ideas, they were total failures: Lisa, Next, Newton, and even his ideas of how to run Apple computer (almost went bankrupt and lost control of his own company.) On the other hand, Elon Musk seems to make new products on his own. But, again, not blaming Elon, those ideas were first researched and conceived by many gray people.


micro venture capital investments and SoLoMo are the current buzz words in the investment community. Jordan Combe, a London based investor and entrepreneur is keen on helping businesses of any kind, not just the glamorous hi-profile hi-tech ones succeed with careful financing and management


You can take a shortcut and make a few cumulative transactions, maybe just estimate how much of your spending landed in each of your budget categories, but you will lose a lot of the value that you were building for yourself by tracking your spending during the earlier months. I reconcile my budget and categorize my spending on a monthly basis. It's always a chore to pull out the big stack of receipts and plow through them, but I've learned the value of having an accurate picture of where all my money went. There is no clean way to fake it. You can either take the time and reconcile your spending, or you can take a short cut. It probably renders your efforts to track everything from the beginning of the year invalid though. If you want to start over this month (as you did at the beginning of the year) that would probably be a cleaner way to reconcile things.


The average inflation rate in the US over the last 17 years is 2.17% per year. source So he has $30,000 now. If another 3 years go by and he doesnt invest it in anything whatsoever, he would have 30,000/(1.0217^3) = $28,128 equivalent buying power 3 years from now. I would not focus on how much money he is losing per year, but instead focus on the religious constraint of not gaining interest. What was the intent of the religious prophet or person who was discussing this issue? If he invested the money with a 1% interest rate, and split the profit down the middle, half of it for his savings and half of it given to a charity of his choice, would that be something that would be likely to change his behavior? Consider this approach if you're trying to help someone to understand the ramifications of a financial.


I don't ever remember an issue (HFT) that is more widely contested by such a large group of people that continuously claim that the other party doesn't know what they're talking about because they're forgetting about _______. Disclaimer: I read Flash Boys, yet can still only explain HFT with the acumen of a 4th grader.


I'll subscribe for a while just to see what it's like. Still holding onto my OLD windows phone for now. I'd hate to have to go back to Android, but I know when this device finally dies, my choices will be really limited.


Yes, if you want income and are willing to commit to hold a bond to maturity, you can hold the bond, get the scheduled payments, and get your principal returned at the end. US Savings Bonds are non-marketable (you cannot trade them, but can redeem early) bonds designed for this purpose. The value of a marketable bond will vary over its lifetime as interest rates change and the bond matures. If you buy a 30 year US Treasury bond at par value (100) on September 1, 2011, it yielded 3.51%. If rates fall, the value of your bond will increase over 100. If rates rise, the value will decrease below 100. How much the value changes depends on the type of bond and the demand for it. But if your goal is to buy and hold, you don't need to worry about it.


I asked about this in the last thread, but got no answers because it was 4-5 days old at the time. I'm a finance student, and currently an intern at a big Financial Services firm. The internship is in compliance, though, and that's not exactly where I want to end up later. I don't know exactly what I want to do, but I assume there are some skills that are widely applicable in the entire industry that aren't taught enough, and I want to learn something over the summer (through Coursera/books/videos/whatever). The problem is, I don't know what. Does anyone here have any suggestions? I was thinking something along the lines of programming or some more advanced excel stuff that isn't taught in school, but I don't really have any place to start. Any advise would be appreciated.


I am no expert, but lots of things can cause drops. Large unsecured revolving debt (credit cards) - even jf you payoff monthly, unpaid medical bill, acquiring multiple credit cards or other multiple credit searches, any form of lawsuit, and I am sure several other things


Dining room furniture set plays a pivotal role at every home. A sincerely purchased dining set can add a sense of style to any room at your home. It is an extension of your personality - so make sure to pick the one that is definitely you.


Volume and prices are affected together by how folks feel about the stock; there is no direct relationship between them. There are no simple analysis techniques that work. Some would argue strongly that there are few complex analysis techniques that work either, and that for anyone but full-time professionals. And there isn't clear evidence that the full-time professionals do sufficiently better than index funds to justify their fees. For most folks, the best bet is to diversify, using low-overhead index funds, and simply ride with the market rather than trying to beat it.


Good for you. That's where it's at. Hell, I've thought about doing the same. But, if someone wants me to work in Manhattan, I'd take no less than $250k per year. I'm not saying my work is worth that, but it wouldn't be worth it *to me* for anything less. Although, if there's one group of people *more* loathed than beltway bandits, it's investment bankers. Probably, if it all came down, people would gladly spike both our heads. Really, I don't expect the zombie apocalypse anytime soon. But, it's an enjoyable escape! Edit. I wasn't a B. I was an A. Maybe, just maybe, I have some experience with SOF. Christ, people think that Tier 1 operations are some kind of shadow magic and that SOF are fucking ninjas. Operations are about keeping things simple. And don't even get me started on how LEOs work. I've trained them and worked with them often. Hint, hint: if you do good ISR, you don't tend to throw flashbangs into babies' cribs.


I had a similar situation, except the debtor had no connection to us whatsoever, other than holding our phone number previously. We tried going through channels to deal with it, and had no success. At the end of the day, I was very abusive to the people calling, and forwarded the number to a very irritating destination.


"Market makers (shortened MM) in an exchange are generally required to list both a bid and ask price to allow both buyers and sellers to trade and keep the market moving. However, a more general idea of a MM may includes companies off an exchange (say large banks acting as broker/dealers in an over-the-counter market) are not required to give a simultaneous bid/ask, but often will on request. So, it might depend on where you are getting this data but likely the bid/ask was quoted simultaneously. An exchange, like the NASDAQ for instance, may have multiple MMs for a given market. The ""market"" spread will be from the highest bid to the lowest ask over all the MMs. The highest bid and lowest ask may come from different MMs and any particular MM often will have a larger spread. The size of the spread gives a rough idea of how much a MM is trying to make off of a ""round trip"" trade (buying than immediately selling to someone else or selling than immediately buying from someone else). Of course, immediate round-trip trades are not always possible and there are many other complications. However, half the spread is a rough indicator of how much they hope to make off of a single trade."


Any accounting software should be able to handle this. When you invoice them, set the invoice date to the date of the event. Then receive a partial payment against that invoice. This will cause your accounting software to display the service income in the correct period as well. So if you sent them invoice for August 7, 2014 event on May 5th, 2014 and they gave you $500 due, you would see this Income in August ($500 on Cash basis, $1000 on Accrual basis. When you received the other $500 in August, you would see $1000 for both methods). You would not see any income in May, when you created the invoice. This is better for revenue matching with the correct period. When you send them same invoice (say 30 days before the event), Set the software to show payments already received (it seems that most online accounting software will do this by default). Here is an example in Freshbooks. Here is an example in Xero: Seems they both display information on when you can expect payment on the their respective dashboards. In the Desktop version of Quickbooks (which I use a lot), it will not show the balance of the customer by default on an invoice. You will have to modify the invoice template. There are more details on that here. In Desktop version of Quickbooks, you can look at Cash Flow Forecast report to see the expected amount coming in. I hope that helps and good luck.


Check with the trade organisation; they may be able to make credit card arrangements.


So you think the Port of Beaumont is going to be simultaneously loading tankers with crude oil for export and unloading tankers with imported crude. Really. They're trying to send oil to Texas because that's where the oil refineries are. That's why there's a giant gasoline pipeline there in the first place.


Tax problem is a widespread cause of strain within people and any kind of analysis would likely reveal that it's not several but a significant large inhabitants whom at some point or the additional have had to have tension and stress using tax settlement troubles.


There would have to be regulations for a variety of issues involving driverless cabs. But that is ignoring the fact that the main reason that most cabs aren't awash in bodily fluids at the end of a weekend night is that there is a human present to both prevent and deal with everything that happens in a cab.


In many cases yes. In the case of an employer handing employees a credit card to use, that is clearly income if the card is used for something other than a business expense. Generally speaking, if you're receiving something with a significant value without strings attached, it is likely taxable. Google no doubt has an army of tax attorneys, so perhaps they are able to exploit loopholes of some sort.


"Wait, are you sure you've got that right? What you're describing is a tax credit that counts against your total owed. In normal operations, companies get to ""write off"" all of their expenses and they only pay taxes on the net profit of the operation. So I guess you could say that if it cost me $100M to move a factory off shore, and my marginal tax rate was 35%, then I would ""save"" $35M in taxes ( it still cost me the $100M, but it only felt like it cost $65M). This is true of any business expense. I (not Romney, apparently) don't know of any special treatment that offshoring activities get one way or the other."


You can add $262,500 worth of notes payable (assuming that you use the cash to buy inventory immediately). Any more and you would push the current ratio below 2. In case this ratio is the trouble, the formula for current ratio is current assets over current liabilities. Notes payable is a current liability and inventory is a current asset so you add the number to both of them. I used Excel to do this. With this addition the quick ratio is 1.19. The formula for this is (current assets - inventory)/Current liabilities. So you take ($1,312,500 + $262,500 - $262,500 - $375,000)/($525,000 + $262,500) = 1.19


In a purely e-commerce point of view, they're pulling ahead of the other retailers. The problem, though, is that anyone making 'progress' isn't doing it organically, they're just buying the smaller guys that are doing it better (ie Jet.com for Walmart, drugstore.com for Walgreens) and jamming it into their way of working.


Do you really think that just because a business doesn't deal directly with the government they have NO interest in policy? Minimum wage laws, parental leave, immigration, regulations... all these things and many more impact business regardless of direct business with government. It's hard to imagine a business that DOESN'T have at least some interest in what the economic climate the government of the day is creating.


seriously...I'm the only one that is recommending VoIP.ms? It costs a buck a month to keep your number and you can get DIDs (numbers) from other countries that point to the same phone. You'll need a ATA though to hook up your normal phone to the internet...I use the Cisco PAP2T-NA and it works wonders with good QoS on the router. Bonus: This also allows you to do long distance phone calls on your smart phone if you have 3g/wifi internet access....pretty awesome stuff. Extra Bonus: if you switch family members onto voip.ms too then you can phone them for free. I have quite a few around the world and most of my long distance has been completely cut out of my bills. Monthly bills are ~3-5 bucks a month based on usage. I challenge anyone else to beat that! Edit: just realized Verizon is cell service only -- DOH! Can you tell I'm not from the states? :P Leaving this post here because it could help someone in a better choice for their wired phone service non-the-less. Long distance thing is also a plus for your smart phone ;)


:-) lousy government and their useless safety standards. If it weren't for too much regulation, less fortunate families of 4 could be riding down the pot-hole infested highway right now in recycled cans of spam and rusty needles without useless automotive insurance or emissions regulations.


The actual price is represented on charts and not the change in price as a percentage, because it is the actual price which is used in all other parts of analysis (both technical and fundamental), and it is the actual figure the security is bought and sold at. A change in price has to be relative to a previous price at a previous time, and we can easily work out the change in price over any given time period. I think what you are concerned about is how to compare a certain actual price change in low priced securities to the same actual price change in a higher priced securities. For example: $1.00 rise in a $2.00 stock representing a 50% increase in price; $1.00 rise in a $10.00 stock representing a 10% increase in price. On a standard chart both of these look the same, as they both show a $1.00 increase in price. So what can we do to show the true representation of the percentage increase in price? It is actually quite simple. You view the chart using a log scale instead of a standard scale (most charting packages should have this option). What may look like a bubble on a standard scale chart, looks like a healthy uptrend on a log scale chart and represents a true picture of the percentage change in price. Example of Standard Price Scale VS LOG Price Scale on a Chart Standard Price Scale On the standard scale the price seems to have very little movement from Mar09 to Jan12 and then the price seems to zoom up after Jan12 to Mar13. This is because a 4% increase (for example) of $0.50 is only $0.02, whilst a 4% increase of $7.00 $0.28, so the increases seem much bigger at the end of the chart. LOG Price Scale On the LOG chart however, these price changes seem to be more evenly displayed no matter at what price level the price change has occurred at. This thus give a better representation of how fast or slow the price is rising or falling, or the size of the change in price.


Spend less than you earn. If you have no job (source of income), then you can not possibly stay out of debt as you have to spend money to live and study.


> What government is more likely to default: > A developed, relatively transparent European government with mature industries and an educated populous. Honestly sometimes I find this really weird. it would seem to me that an educated populace (like iceland?) would realize how large of a dick is being shoved up their ass and how many decades they'll need to be in slavery to pay back their enormous debts... > Or a developing, relatively opaque SouthEast Asian government with a large amount of its populous uneducated, living in poverty. While this type of country would have elites ready to fleece the commoner, push the country into debt for their own profit, and keep the uneducated poverty-stricken peasants slaving away for the benefit of said elites, including continuing to pay down the enormous debts incurred in the process. But maybe I'm wrong and the market is right.


It seems to me that having a market factor in a risk advantage for a bank that's backed by its own government is not a subsidy. There's no actual transfer of wealth (e.g. from the Dept of the Treasury) to the banks, it's a just benefit of market pricing which is based on the collective opinion of those who make up the bond market. And if the author of the article is stretching the definition of 'subsidy', presumably they're doing it because they're trying to make a story here, and not because they're reporting an actual financial transaction.


I strongly doubt that being executor will make the assets of the estate vulnerable to a suit against him personally. The estate is it's own separate legal entity with its own TIN. Only creditors against the estate itself can make claims against it and after all creditors are paid, then the balance is distributed in accordance with the terms of the will. Unless he has commingled assets and treated estate assets as his own, the legal separation should be quite strong. Whether his personal assets are at risk, remember that the opposition will likely overstate their case to try to scare him into settling. If the business was organized as an LLP or LLC, his personal assets should be pretty safe. If it was a sole proprietorship, he has occasion to worry.


"Clearly this is going nowhere. Your calloused view of the world is not going to change. I hope that you never have to face adversity in your life. I truly do. But if you ever do, I hope that you meet nothing but people with the same attitude as yours towards those lower on the scale, so you can see how wrong your view of the world is. I hope they tell you to pull yourself up by your bootstraps, I hope they tell you to just simply get a better job, I hope they tell you to take responsibility for your own life, I hope they ask if you think that rich people should just give you their money, I hope they tell you that your problems all come from you blaming others. Maybe then you'll understand ""what I'm even arguing""."


The market prices for futures and depository ETFs like GLD and IAU are pretty consistent. Prices for physical gold at retail can vary dramatically. At a coin store that I was at a few weeks ago, there was a very wide buy/sell spread on commonly available gold coins.


I've been a P2P Lending investor for ~18 months now with Lending Club with no complaints. Money wise, I'm making a 15.6% NAR w/ ~270 notes. I've had a few late payers, and one couple (oddly enough in both are in law enforcement) declare Ch.13 Bankruptcy, but b/c I've invested as little money as possible into each note ($25/note), my diversification helps reduce volatility and risk to capital. Having tough underwriting standards is very important, but I think it all comes down to loaning only to those you think will pay you back, not someone with a sob story or a long history of defaults. That might sound like a no-brainer, but if you're a bit of a cynic and have really tough screening criteria, it's possible to lower your default rate if you're patient and deploy your money slowly over time. At least, my returns and default rate of zero would imply it's possible so far. I blog about it quite a bit, so if anyone wants to check out my Lending Club investments thus far, please check it out. (Apologies if this is considered spam since I'm a new member of the site, but thought it relevant to the discussion.)


There were a lot of people that didn't vote for him that still supported him (my father lives in an incredibly conservative area and knew the electoral votes there would go to Trump, so why he didn't feel like wasting his time, for example). Polls that aim to deduce national approval have settled around a 30% approval rating (maybe they will go lower), which means, for now at least, he has the support of around 1 in 3 citizens.


so far the only thing that I can think of that would make me want to go with H&R Block is the guarantee that they offer ( for a fee ) that says they will help you if you are ever audited for a tax return that you filed through them, but I think that is given for both the software and the in person tax preparation. so I guess if you like to ask lots of questions and get the answers nearly immediately I would go with an in person tax preparation person, if they can't answer all your questions then that is something else to think about all together.


The drawback is not knowing when prices have reached a level where you are comfortable getting back in. Someone who got out at S&P 1500 before the crash of '08 was very happy. But did they get back in at 666 or just watch the market come back 3X from that level? The S&P returned 10.46% from Jan '87 till Dec '14. I wonder how many traders got in and out just right to beat that number? Bottom line is that even the pro's acknowledge that timing the market is basically impossible, so why try?


My wife works for one of them, and I don't get the hatred. Ethics, at least in the company my wife works for, are non-negotiable. People get fired for the smallest offense. Are there some bad apples that don't follow the rules? Maybe. But in general, the rules are followed to the letter. As for researchers and average workers getting shafted, that's also hyperbole. Granted, like all businesses, the higher-ups want more done with less. But shafted? Hardly. Field workers, at least at the station my wife works at, are paid pretty darn well for having little to no education. Starting wages for field workers are better than Costco's. Researches are paid well, too. Far from hating the big company, people are proud of the work they do and the company they work for, and it makes them angry to see people so misinformed about the work they do. The researchers at these companies go into the field they do to help humanity, similar to the same motivations that drive doctors. They want to feed the world, but instead of getting praised as saviors of humanity, they are insulted and mocked.


"If you're investing for the long term your best strategy is going to be a buy-and-hold strategy, or even just buying a few index funds in several major asset classes and forgetting about it. Following ""market conditions"" is about as useful to the long term trader as checking the weather in Anchorage, Alaska every day (assuming that you don't live in Anchorage, Alaska). Let me suggest treating yourself to a subscription to The Economist and read it once a week. You'll learn a lot more about investing, economics, and world trends, and you won't be completely in the dark if there are major structural changes in the world (like gigantic housing bubbles) that you might want to know about."


Only reason I can think of is that having a credit card, or several, is handy for buying stuff on-line, or not having to haul around a fat wallet full of cash. Of course for some of us, getting the cash back and 0% interest periods are nice, too, even if we don't really need the money. Same as for instance trying to get good mpg when you're driving, even if you could easily afford to fill up a Hummer. It's a game, really.


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Most of Scandinavia is doing well. Though it's a capitalist socialist mix. Socialism will probably require a post-scarcity economy with robots who can do most manual labor to work. Because yeah, humans a lazy and greedy and our society still requires a lot of hard work to maintain.


Also it has to taste good and be easy to eat one handed, in the car. And probably not be too weird sounding so people will actually buy it. And also scale massively, so no hard to cultivate crops. It's not an easy problem to tackle.


For stock splits, let's say stock XYZ closed at 100 on February 5. Then on February 6, it undergoes a 2-for-1 split and closes the day at 51. In Yahoo's historical prices for XYZ, you will see that it closed at 51 on Feb 6, but all of the closing prices for the previous days will be divided by 2. So for Feb 5, it will say the closing price was 50 instead of 100. For dividends, let's say stock ABC closed at 200 on December 18. Then on December 19, the stock increases in price by $2 but it pays out a $1 dividend. In Yahoo's historical prices for XYZ, you will see that it closed at 200 on Dec 18 and 201 on Dec 19. Yahoo adjusts the closing price for Dec 19 to factor in the dividend.


"The following is based on my Experian credit scoring feedback and experience here in the UK over many years. (And for further information I currently hold a credit score of 999, the highest possible, with 6 credit cards.) Now I'm assuming that while there may be some differences in particulars in your case due to the difference in locality nevertheless the below should hopefully provide some broad guidelines and reasonable conclusion in your situation: Having a large number of active credit accounts may be seen as a negative. However having a large number of settled accounts should on the contrary have a positive effect on your score. As you keep your accounts mostly settled, I think having another card will not be to your detriment and should in time be beneficial. A large total credit balance outstanding may count against you. (But see the next point.) Having your total outstanding debt on all credit accounts be a smaller proportion of your total available credit, counts in your favour. This means having more cards for the same amount of credit in use, is net-net in your favour. It also has the effect of making even larger outstanding credit balances (as in point 2) to be a lower percentage of your total available credit, and consequently will indicate lower risk to lenders. It appears from my experience the higher the highest credit limit on a single card you are issued (and are managing responsibly e.g. either paid off or used responsibly) the better. Needless to say, any late payments count against you. The best thing to do then is to set up a direct debit for the minimum amount to be paid like clockwork every month. Lenders really like consistent payers. :) New credit accounts initially will count against you for a while. But as the accounts age and are managed responsibly or settled they will eventually count in your favour and increase your score. Making many credit applications in a short space of time may count against you as you may be seen to be credit reliant. Conclusion: On balance I would say get the other card. Your credit score might be slightly lower for a couple of months but eventually it will be to your benefit as per the above. Having another card also means more flexibility and more more options if you do end up with a credit balance that you want to finance and pay off over a period as cheaply as possible. In the UK the credit card companies are falling over themselves trying to offer one ""interest free"" or 0% ""balance transfer"" offers. Of course they're not truly 0% since you typically have to pay a ""transfer fee"" of a couple of percent. Still, this can be quite cheap credit, much much cheaper than the headline APR rates actually associated with the cards. The catch is that any additional spending on such cards are paid off first (and attract interest at the normal rate until paid off). Usually also if you miss a payment the interest rate reverts to the normal rate. But these pitfalls are easily avoided (pay by direct debit and don't use card you've got a special deal on for day to day expenses.) So, having more cards available is then very useful because you then have choice. You can roll expensive debts to the cheapest lender at your disposal for as long as they'll offer, and then simply not use that card for any purchases (while paying off the balance as cheaply as possible), meanwhile using another card for day to day expenses."


Similarly to buying property on your own, REITs cannot get to good returns without leveraging. If you buy an investment property 100% cash only - chances are that 10% ROI is a very very optimistic scenario. If you use leveraging (i.e.: take out a mortgage) - you're susceptible to interest rate changes. REITs invest in properties all around all the time. They invest in mortgages themselves as well (In the US, that's the only security REITs can hold without being disqualified). You can't expect all that to be cash-only, there have to be loans and financing involved. When rates go up - financing costs go up. That brings net income down. Simple math. In the US, there's an additional benefit to investing in REIT vs directly holding real estate: taxes. REITs pay dividends, which have preferential (if qualified) taxation. You'll pay capital gains taxes on the dividends if you hold the fund long enough. If you own a rental property directly, your income after all the expenses is taxed at ordinary rates, which would usually be higher. Also, as you mentioned, you can use them as margin, and they're much much more liquid than holding real estate directly. Not to mention you don't need to deal with tenants or periods where you don't have any, or if local real-estate market tanks (while REITs are usually quite diversified in kinds of real estate they hold and areas). On the other hand, if you own real estate, you can leverage it at lower rates than margin (with HELOCs etc), and it provides some safety net in case of a stock market crash (which REITs are somewhat susceptible to). You can also live in your property, if needed, which is something that's hard to do with REITs....


Oh? I guess it's different here in Canada. *googles*. > Canada has a ”last resort” clause for veterinarians to use antibiotics, and the milk must be withdrawn from supply for 14 days or twice as long as the medication’s withdrawal period, whichever is longer.


Pure fearmongering. The poison is in the dose. Finding trace amounts of anything is completely irrelevant and is never a cause for concern. Until they publish what the actual concentrations are - and which concentrations might be a problem, this is complete non-news. (The fact that they left out the concentration is rather telling..!)


I'm responsible for all our hedging. Since we sell the energy to end users we do mostly fixed buys, swaps and calls. I'm a excel guru and dabble a little in SQL. we have Crystal Ball as well but i have no idea how to use it. I guess I'm trying to figure out if there is a tool that people use to help me analyze the spreads. or perhaps some reading material to help me through this. This is what i've been working towards for so long and i really don't want to fuck this up


You'll get a range of answers, but with microLearning, you present a short block of content – less than three minutes – your learner can quickly master and immediately put to use. My 'rules' for each microLearning object are: * Should take a learner 3 minutes or less to master. * Is complete and presents a single learning objective. * Is one in a sequence that progress a learner toward a larger learning objective. * Delivers helpful content that is of value to the learner. * Is easily accessible to learners as part of their daily routine. Each object should provide: * The content * The context for the content (where it fits in the larger training picture) * Why the content is of value (WIIFM) * A call to action * Guidance for reflective practice https://learningstream.ie/microlearning-your-time-has-come/


In a nutshell, as long as they (Sparkasse) choose to. I work with banks where it happens the moment I submit the transaction (so the next screen already shows the new totals), and I work with banks that make it take 3 days. In the past, Sparkasse and Raifeissenkassen were especially famous to take a looong time ('Wir nehmen mehr als Geld und Zinsen...' - they supposedly work with the money inbetween, as it is gone from the source account but not arrived in the target account yet); that might have changed (or not). Probably Sparkasse has a statement in their fineprint on how long they make it take. I would expect one business day in today's environment, but I didn't look it up.


Just wanted to say that was a very interesting read, and I agree with most of what you said. I always find it interesting how many people (gods I hate to generalize but it seems apt at this point) seem to assume outright that anyone opposing the Libertarian viewpoint are lazy,poor,unmotivated, drug addicts or stupid. I always find it hard to maintain my composure with those individuals but you have done a smashing job keeping a calm rational demeanor while your adversary maintains his/her descent into childish name calling which is rather disappointing. Because if he could just form a counter argument without them it would be such a more interesting dialog.


It is often the case (more commonly in countries other than the USA) that a fixed-term loan has an early redemption penalty, because the lender themselves will incur a cost for settling the loan early, while a variable-rate loan does not. If this is the situation and you think you might want to pay off the loan early, you should definitely consider the variable rate rather than then fixed rate.


How's it misleading if it's a direct quote? That's quite literally what he said. And a seven year bubble is not so unusual; bubbles can persist for long periods if there's no obvious catalyst for them to pop/deflate. Calling something a bubble does not equal calling when it will end.


> Are you suggesting when they break a law involving a small portion of their total business they pay fines involving all portions of their business? Im suggesting if they break the law they go to jail, just like every one else. Im pretty sure what they did is worst than smoking a doobie and yet no one has gone to jail. just some light fines.


- On average, Mac users will select rooms 20$-30$ more per night than windows users. - Therefore, **orbitz charges more.** - Therefore, the user pays more (*for a non substitute*) - i.e. Better rooms cost more. - Therefore Mac users like better quality. Seems legit.


The expense ratio is 0.17% so doesnt that mean that for every 10K I keep in the money market fund I lose $17/year? Not really. The expense ratio is taken before distributions are paid which applies to all mutual funds. Should I care about this? In this case not really. If it was a taxable account, then other options may be more tax-efficient that is worth noting. The key with money market funds is that the expense ratio often represents how much money the administrators will take before paying out the rest. So, if your money market fund bought investments that paid .25% then you'd likely see .08% as that is what is left over after the .17% is taken in the dividends. If at the start of the year, the funds NAV is $1, and at the end of the year, the funds NAV is still $1, I havent lost anything right? Right. Wikipedia has a good article on money market funds. Keep in mind that most money market funds are run as one of a number of funds from a fund family that may have to take a little less profit on the money market funds when rates are low.


I find this pretty sketchy, personally. From their investor opportunities page: > Wall Street, Social Medias and Real-estate investments aren’t working for many investors. Stocks in the beleaguered social media sector keep heading down. Shares of FaceBook, Angie’s List and Groupon, etc. have plunged as investors continue their retreat from the formerly red-hot sector. In this present day economy investors are looking for the next early stage Apple. LifeSaver is the answer. Reads as way too much of a sales pitch to invest. Also, I don't think there is actually any way to invest in the company outlined on that page. I'm not saying this isn't a good idea for a product, I just would expect a medical device company to have a somewhat more professional website/investor relations page, and i'm slightly surprised to see you post this, especially with this title.


definitely have her get a financial advisor asap and go from there. the majority of that money should be invested and allocated into proper accounts. I know many people bash Wells Fargo around Reddit but I have one through them and he's been great.


>now why would people opposed to meat/blood want the appearance of bleeding? It helps transition the people who've been eating meat/dairy all their life with something similiar enough. Also, people generally turn vegan for 3 reasons: health, compassion, and/or environment. Notice how disgust of meat usually isn't one of the big 3 although for some people it's a factor.


He's not stealing from you, you guys just have seriously broken communication. > My red flag is he never ever takes a paid vacation. If he does take a paid vacation he plans it out a few weeks in advance. That's called being a dedicated employee and planning ahead. It's also not uncommon to feel like training an assistant is more work than it's worth. Any number of things could be going through his head.


You sounded like taking a shot at developers being little bitches and moving on minor inconveniences. Where as the execs are grown up, and pull through.. When reality that's not fair to say, the incentives are completely different. So it's expected.


I don't think they have the in-house expertise to source and market groceries specifically though, or at least not the level of expertise they feel they need to be competitive. Sometimes it's better to just acquire an organization and all its knowledge than to try to learn it all yourself and skin your knee in the process.


"Build your credit history by paying the credit accounts you have on time. Review these periodically and close the ones you do not need. Ignore your score until it is time to make a large purchase. Make decisions regarding credit on the basis of whether the debit would be better paid with cash or credit. Not on credit score. Keep in mind that if your income is invested in your future, your money is working for you. The income that is paying debt is working for the lenders. Mint is a financial services industry company (Intuit). You are their product. Intuit makes money from Mint by placing ads on the site where you visit frequently, and by gathering data about those who subscribe to their service. They also are paid to refer you to credit card companies to ""build credit."""


If you're not a NY (tax) resident, then as long as you're not physically present in New York - you do not owe NY taxes on compensation for your services. But that is if you're a 1099 contractor/employee. If you're a partner/shareholder in a partnership/LLC/S-Corp registered or conducting business in New York, and that company pays you money - you do owe NY taxes. See this page of the NY revenue agency for more details.


I believe the following formula provides a reasonable approximation. You need to fill in the following variables: The average annual return you need on investing the 15% = (((MP5 - MP20) * 12) + (.0326 * .95 * PP / Y)) / (PP *.15) Example assuming an interest rate of 4% on a 100K home: If you invest the $15K you'll break even if you make a 9.86% return per year on average. Here's the breakdown per year using these example numbers: Note this does not consider taxes.


I'm not saying an election will bankrupt a company, but you really think there is zero relation between an election outcome and a company's bottom line? When the major issues of the election are the economy and taxes, I'm pretty sure one outcome will be better for business than the other.


A good manager sets up systems, so you hardly have do to direct anything yourself. Manage by exception. Trust, ask employees how things can be improved(they will have better knowledge of the task) and let them implement it if it's good. At our place, we have visual management things on TV screens so everyone knows what's going on, metrics etc. People are constantly trying to improve the performance of system without management pushing for it. Empathy is highly important in management. You have to feel what they feel. The last thing you want is disgruntled employees. Good luck getting people to do things well, when they think you are a dick. You can't demand respect... By definition. You gradually gain it by being good at the job, and making their jobs feel better. If you can find out what people's real skills are then design the role around them. Don't force people into strictly defined roles. This is why people get fired. They're in a job that doesn't match their skills. Nothing worse then knowing your shit at a job, but unable to move to a job you think you are good at.


Millions of Americans are affected by this. Millions of Americans live in debt, through credit cards and other sources that depend on these scumbaggers. Yet, the media picks it up, due to necessity, and drops it faster than a wide receiver with no hands.


If it's a low margin business and you can get value for it that's higher than the leadership values it, and they have some opportunity in a better margin business but for some reason couldn't acquire debt funding or more investors to fund the new business; then it might be feasible, but unusual and probably not ideal.


If you know that you have a reasonable credit history, and you know that your FICO score is in the 690-neighborhood, and the dealer tells you that you have no credit history, then you also know one of two things: Either way, you should walk away from the deal. If the dealer is willing to lie to you about your credit score, the dealer is also willing to give you a bad deal in other respects. Consider buying a cheaper used car that has been checked out by a mechanic of your choice. If possible, pay cash; if not, borrow as small an amount as possible from a credit union, bank, or even a very low-interest rate credit card. (Credit cards force you to pay off the loan quickly, and do not tie up your car title. I still have not managed to get my credit union loan off of my car title, ten years after I paid it off.)


Well, 1.5 million kids who have never seen a doctor have one now. The infant mortality rate has dropped 15%. Do you know if we could get even with even Italy's infant mortality rate, we would have something like 16 fewer dead babies every single day?


This is a case where you sit down with an advisor or two. There are legal, and tax issues. When you deposit the cash, or buy a car with it, the large cash transaction will trigger a notice to the US Government. So they will eventually find out. Before you get to that point you need to know what obligations and consequences you will be facing. Because you don't know if it was a gift, or found money, or if the owner will be back looking for you to return it; therefore you need expert advice.


Again, I don't have the answers, but it seems to me as though the value of stock in a company should be directly correlated somehow to the real world value - what it holds in assets, the demand for its services or products. And when you see IPOs of tech stocks with prices exponentially greater than their revenues, or derivatives that when unravelled are nothing but air, or intraday fits and runs that seem to be tied to nothing in particular, then it all starts to look like nothing but manipulation. Maybe you're right, there's nothing wrong with HFT and a tax on it wouldn't add stability, I can't say. And if you explained it, I must not have understood. But I don't think its wrong for people to consider the current (or past) instability undesirable and try to think of solutions.


"The reason ""on-line"" savings accounts (Ally, CapitalOne, American Express, and many others) provide much higher rates than brick-and-mortar banks is because they're not brick-and-mortar. They do not need to pay for a huge amount of real estate, utilities, public-facing employees, inter-office mail, security, etc etc. All that - allows them to pay more for your money. The back office of these banks is the same as that of Chase, BOA or Wells Fargo. Its just that they don't have the enormous expense of having a branch in every neighborhood, while still reaching all the same population of depositors. So no, its not a scam, these are reputable banks. Some have physical offices (for example, I know that CapitalOne has some branches in New York), some don't (IIRC neither Ally nor American Express Federal Saving Bank have physical branches). But they're banks nonetheless, insured as required by FDIC (or NCUA, in case of credit unions), and provide all the same services for less (or all the same savings for more, if you will). IMHO, giving 0.01% APR is a scam. Not the other way around. The old-style banks want your money for free, and you're worried why would someone else treat you better... Well, that's why the US has one of the most retarded financial systems in the Western world..."


Narratively from the POV of the landlord, the hip retailer ABC offered me a 10 year lease at $1000/month for an empty store front on an empty block. I agreed. ABC attracted a large youth market, so other stores filled in the rest of the block in the intervening decade, which I leased for 1200, 1500, 2000, and finally 4000 per month since the foot traffic and demographic is so strong. It's now year 9. Next year, the lease will likely jump up to the comparable 4000 per square foot. Their margin in this location probably looks great today. But the purpose of the quote is to warn you to check the future.


The operating margin deals with the ability for a company to make a profit above the costs of running the company and generating sales. While ROE is how much money the company makes relative to the shareholders equity. I'd be willing to bet that if a company has a small ROE then it also has a quite large P/E (price to earnings) ratio. This would be caused by the company's stock being bid up in relation to its earnings and may not necessarily be a bad thing. People expect the high operating margin to help drive increased revenues in the future, and are willing to pay a higher price now for when that day comes.


"My favorite line: ""Companies should generate enough profits to justify the price that shareholders are willing to pay for its shares. Once shareholders are no longer willing to pay up for those profits, they should invest that money elsewhere."" This person loses all credibility right here."


Giant, Trek, and Specialized have partner brick and mortar shops that are selling more than just their bikes. They're selling direct to consumer but the hope is that they are going into these shops and buying other cycling accessories that they manufacture i.e. helmets, shoes, cycling kits, etc. I don't know much about Canyon but my guess is that they are mainly selling bikes and all the other stuff isn't a big component of their business.


Are there any frameworks to deal with the following situation: assume you're invested in an asset which has gained 10x, there is a chance for the asset to gain another 10x (100x in total) and go to zero. The probabilities of the various outcomes are unknown.