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I can confirm their products are complete and total crap with the exception of their diapers. They're about twice as expensive as regular diapers but everything about them works twice as well. I honestly wish having a kid wasn't so expensive and these diapers have made things even more expensive but we tried a few brands including cloth and these are absolutely the best we found.


"Cart's answer describes well one aspects of puts: protective puts; which means using puts as insurance against a decline in the price of shares that you own. That's a popular use of puts. But I think the wording of your question is angling for another strategy: Writing puts. Consider: Cart's strategy refers to the buyer of a put. But, on the transaction's other side is a seller of the put – and ultimately somebody created or wrote that put contract in the first place! That first seller of the put – that is, the seller that isn't just selling one they themselves bought – is the put writer. When you write a put, you are taking on the obligation to buy the other side's stock at the put exercise price if the stock price falls below that exercise price by the expiry date. For taking on the obligation, you receive a premium, like how an insurance company charges a premium to insure against a loss. Example: Imagine ABC Co. stock is trading at $25.00. You write a put contract agreeing to buy 100 shares of ABC at $20.00 per share (the exercise price) by a given expiration date. Say you receive $2.00/share premium from the put buyer. You now have the obligation to purchase the shares from the put buyer in the event they are below $20.00 per share when the option expires – or, technically any time before then, if the buyer chooses to exercise the option early. Assuming no early assignment, one of two things will happen at the option expiration date: ABC trades at or above $20.00 per share. In this case, the put option will expire worthless in the hands of the put buyer. You will have pocketed the $200 and be absolved from your obligation. This case, where ABC trades above the exercise price, is the maximum profit potential. ABC trades below $20.00 per share. In this case, the put option will be assigned and you'll need to fork over $2000 to the put buyer in exchange for his 100 ABC shares. If those shares are worth less than $18.00 in the market, then you've suffered a loss to the extent they are below that price (times 100), because remember – you pocketed $200 premium in the first place. If the shares are between $18.00 to $20.00, you're still profitable, but not to the full extent of the premium received. You can see that by having written a put it's possible to acquire ABC stock at a price lower than the market price – because you received some premium in the process of writing your put. If you don't ""succeed"" in acquiring shares on your first write (because the shares didn't get below the exercise price), you can continue to write puts and collect premium until you do get assigned. I have read the book ""Money for Nothing (And Your Stocks for FREE!)"" by Canadian author Derek Foster. Despite the flashy title, the book essentially describes Derek's strategy for writing puts against dividend-paying value stocks he would love to own. Derek picks quality companies that pay a dividend, and uses put writing to get in at lower-than-market prices. Four Pillars reviewed the book and interviewed Derek Foster: Money for Nothing: Book Review and Interview with Derek Foster. Writing puts entails risk. If the stock price drops to zero then you'll end up paying the put exercise price to acquire worthless shares! So your down-side can easily be multiples of the premium collected. Don't do this until and unless you understand exactly how this works. It's advanced. Note also that your broker isn't likely to permit you to write puts without having sufficient cash or margin in your account to cover the case where you are forced to buy the stock. You're better off having cash to secure your put buys, otherwise you may be forced into leverage (borrowing) when assigned. Additional Resources: The Montreal Exchange options guide (PDF) that Cart already linked to is an excellent free resource for learning about options. Refer to page 39, ""Writing secured put options"", for the strategy above. Other major options exchanges and organizations also provide high-quality free learning material:"


Debit cards do not earn the bank any interest from you whereas credit cards do, so they want to give incentive to use credit over debit.


"I have never double-answered till now. This loan can't be taken out of context. By the way, how much is it? What rate? ""Debt bad."" Really? Line the debt up. This is the highest debt you have. But, you work for a company that offers a generous match, i.e. the match to your 401(k). Now, it's a choice, pay off 6% debt or deposit that money to get an immediate 100% return. Your question has validity. In the end, we can tell you when to pay off the debt. After - The issue is that you are quoting a third party without having the discussion or ever being privy to it. In court, this is called 'hearsay.' The best we can do is offer both sides of the issue and priority for the payments. Welcome to Money.SE, nice first question."


The stock market in general likes monetary easing. With lower interest rates and easy cheap money freely available, companies can borrow at reduced cost thus improving profits. As profits increase share prices generally follow. So as John Benson said Quantitative Easing usually has a positive effect on stocks. The recent negativity in the stock markets was partly due to the possibility of QE ending and interest rates being raised in the future.


Bank runs very complex software to detect suspicious activity - terrorism financing, money laundering, etc. How would a program know that some person's activity is suspicious? It uses a set of rules. That set might be imperfect (that likely was not intended) - there might be some rule that triggers a warning on your account dominating the fact you've been with them for 15 years. So it's highly likely that an imperfect program triggered a warning on your account and the bank employer didn't dismiss it.


> When you consider how many successful business men and women, who never finished college, the stories of experience beating out education in hiring Yes, the Bill Gateses and Mark Zuckerbergs of the world will get the spotlight for beating the odds. Even in Bill's day, those odds weren't that hard to beat. But in today's economy, you *really* don't want to play the odds with the exception of maybe trades jobs that don't require degrees.


Tulip madness was likely a result of an expansion of money supply. Dutch govt initiated a subsidy program of gold minting before the bubble, attracting a lot of money into country and expanding the money supply(despite being on gold standard). See Doug French's free book on mises.org on this. Similar stuff happened in Spain when the american gold hauls were imported. And it matches the idea - banking system getting money first creates illusion of more credit being available than what savers are actually putting aside so the seeds for an unsustainable bubble are sewn.


Am I required to send form 1099 to non-US citizens who are not even residing in the US? Since they're not required to file US taxes, do I still have to send the form to them? That's tricky. You need to get W8/W9 from them, and act accordingly. You may need to withhold 30% (or different percentage, depending on tax treaty they claim on W8). If you withhold taxes, you also need to file form 1042. I suggest you talk to a tax professional. Is it fine to expose my ITIN (taxpayer identification number) to individuals or companies who I send the form to them. Since the form requires me to write my TIN/EIN, what would be the risks of this and what precautions should be taken to avoid inappropriate/illegal use? No, it is not OK. But if you pay these people directly - you don't have much choice, so deal with it. Get a good insurance for identity theft, and don't transact with people you don't trust. One alternative would be to pay through a payment processor (Paypal or credit cards) - see your next question. I send payments via PayPal and wire transfer. Should I send form 1099-MISC or 1099-K? Paypal is a corporation, so you don't need to send 1099 to Paypal. Whatever Paypal sends to others - it will issue the appropriate forms. Similarly if you use a credit card for payment. When you send money through Paypal - you don't send money directly to your business counterparts. You send money to Paypal.


If you havent yet maxed out your ISA, then its a no-brainer. You get excellent tax rebates and its silly not to take advantage of these before considering self investing in shares. Note that even if your ISA is maxed out, the economic turbulence means that investing in individual stocks is an intimidating place for beginners right now. The FSA is also looking at revising the average percentages used for pension, from 7% for adventurous investments, down to 5% or 6%, so there is industry wide recognition that on average the stock market is going to be a little less lucrative than it was a few years ago. Thats not to say you cant still make a whopping profit, but the chances of you doing so as a first time investor are remote to say the least. My advice would be to look seriously into some of the social lending sites, where you can still easily get a 7% return with minimal risk. Whilst I do have a portfolio which is performing well overall (I am a very speculative investor), I am moving a lot of funds into Zopa.com, as I am averaging 7% return with a lot less time, effort and risk than the stockmarket. Whatever you decide, I think its time you thought about consulting an IFA. They can help you understand what sort of risk you are willing to tolerate, which is a very important aspect of investing.


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Generally value funds (particularly large value funds) will be the ones to pay dividends. You don't specifically need a High Dividend Yield fund in order to get a fund that pays dividends. Site likes vanguards can show you the dividends paid for mutual funds in the past to get an idea of what a fund would pay. Growth funds on the other hand don't generally pay dividends (or at least that's not their purpose). Instead, the company grows and become worth more. You earn money here because the company (or fund) you invested in is now worth more. If you're saying you want a fund that pays dividends but is also a growth fund I'm sure there are some funds like that out there, you just have to look around


> They expected more. Anyone with Asian parents would understand. Even though you're making a joke, yes, you're exactly right. Investors always speculate, and stock prices reflect expectations. Look at Tesla's stock. It's bleeding cash, yet its stock is flying high, because people think it is the future. There isn't even anything concrete to say that it will stay the market leader. Could happen, but no one knows for sure.


The bond will rank below depositors, so it's riskier than the savings account. The savings account is very safe if you have less than £75,000 in accounts with the bank, as then it would be covered by the deposit guarantee Financial Services Compensation Scheme. Also note that bonds tend to have a fixed maturity whereas savings accounts usually let you get your money out at any time, perhaps with some notice.


Process of registering business helps to structure about your firm to be different that range in several states. The most essential thing for incorporating business is to create extra tax burden and keep record of the business with administrative details. How to incorporate business are explained in below content. It will make ideal reason for vehicle and not contains any liability of shareholders.


While C/C's have 0% interest this a good mechanism to manage debt. But they expect you will pile up a large debt and at then of the interest free period you will get hammered. So plan your exit strategy. Plan to pay off the 0% cards at the end of the int free period and pay the other cards down. Alternatively, What you could do is pay off the other cards now by drawing down on the 0% card if its possible. Then.all your debt is at 0% int. Also you are consolidating your debt into 1 account. When the int free period is over move the debt into a single personal loan if you don't plan on paying it all off immrdiatley In the meantime put you savings into an interest bearing account to maximize the value of your savings.


I have the PDF of Wells Fargo bank sent by my client which also quotes the SWIFT Confirmation #. This is just the internal reference maybe from SWIFT terminal. It just means SWIFT received the message. Nothing more. What may have happened ? It could have got stuck somewhere in correspondent Bank chain. Or may have reached ICICI NY and they are not able to apply funds to your account in the ICICI India branch for whatever reasons. What are my next steps here ? You would need to do 2 things; First contact your ICICI bank branch with this details and ask them if they can trace it for you. Second contact your client and ask them to raise a BCNR [Beneficiary Claims Non Receipt] for this transaction with Wells Fargo. Wells Fargo is bound to investigate this. Depending on your Clients relationship with Wells Fargo, there maybe charges of around 30-50 USD. This would trace the payment via Wells Fargo to the next in chain and can identify where it was stuck or when it was credited. What more information should I ask for The information in confirmation is quite less. Talk to your client and see if you are request for Sender Reference Number [This is preserved from Wells Fargo to your ICICI bank], BIC of Wells Fargo, Immediate routing [or sender Correspondent]; i.e. which Bank the payment was sent to [Wells Fargo may send it to other Bank and then it would reach ICICI]


When you pay cash for a car, you don't always necessarily need to pay cash. You just aren't using credit or a loan is all. A few options you have are: Obviously no dealer expects anyone to just have the cash laying around for a car worth a few thousand dollars, nor would you bother going to your bank or credit union for the cash. You can simply get a cashier's check made out for the amount. Note that dealers may not accept personal checks as they may bounce. After negotiations at the dealer, you would explain you're paying cash, likely pay a deposit (depending on the price of the car, but $500 would probably be enough. Again, the deposit can be a check or bank deposit), and then come back later on with a cashier's check, or deposit into a bank account. You would be able to do this later that day or within a few days, but since you've purchased a new car you would probably want to return ASAP!


Honestly, I've shopped at both and found Market Basket to be better. The produce usually seems fresher. If you want to rely on it for one stop shopping, the selection at MB is broader, just because the stores are bigger and carry more name brands, and more constant. If you're in New England, a better comparison to Aldi might be Price Rite.


This is a very interesting question. I'm going to attempt to answer it. Use debt to leverage investment. Historically, stock markets have returned 10% p.a., so today when interest rates are very low, and depending on which country you live in, you could theoretically borrow money at a very low interest rate and earn 10% p.a., pocketing the difference. This can be done through an ETF, mutual funds and other investment instruments. Make sure you have enough cash flow to cover the interest payments! Similar to the concept of acid ratio for companies, you should have slightly more than enough liquid funds to meet the monthly payments. Naturally, this strategy only works when interest rates are low. After that, you'll have to think of other ideas. However, IMO the Fed seems to be heading towards QE3 so we might be seeing a prolonged period of low interest rates, so borrowing seems like a sensible option now. Since the movements of interest rates are political in nature, monitoring this should be quite simple. It depends on you. Since interest rates are the opportunity cost of spending money, the lower the interest rates, the lower the opportunity costs of using money now and repaying it later. Interest rates are a market mechanism so that people who prefer to spend later can lend to people who prefer to spend now for the price of interest. *Disclaimer: Historically stocks have returned 10% p.a., but that doesn't mean this trend will continue indefinitely as we have seen fixed income outperform stocks in the recent past.


You should find the certified and good condition used car dealer in Johor. You can trust with great deals. Buy the second hand cars at best prices. Masai Auto City is one of the most place in Johor Bahru. We have several branches that provide used car and also known as johor used car. Here, you save the money and time. We offer you active car. You can get benifits here and also check out the cars before buying. Whatever you want cars, you can select here such as Ford, Hyundai, Nissan, Toyoto.


Maybe they don't make much, but they make some for sure. In addition to what duffbeer703 says, they also have a warm body at the end of the line and will sell your contact info (or at least access to your eyeballs) to marketers. They stuff advertisements into your bill for example. If nothing else, you are brand value for them as they can convince merchants (who get charged monthly) that X billion people carry their card and that merchant would be missing out on sales by not accepting their product. If you have a rewards card that pays you for using it, the merchant has higher corresponding fees.


Your bank doesn't care about your immigration status, it cares about your tax status. You're a US tax resident and will open a US-resident account, not an international account (regardless of where the money comes from).


"This is the best tl;dr I could make, [original](http://www.france24.com/en/20170601-us-car-sales-struggle-may-despite-record-discounts) reduced by 77%. (I'm a bot) ***** > Auto makers offered big discounts over the Memorial Day holiday, but the response from US car buyers in May was not enough to definitively reverse months of sales declines. > After seven years of gains, there were further signs that US car sales have plateaued, analysts said, as monthly sales data suggested a mixed picture amid heavy incentives to lure buyers into showrooms, even as truck and SUV sales surged. > The biggest US car maker, GM, saw its sales fall 1.3 percent last month compared to the same period a year earlier. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6eqkaa/auto_makers_offered_big_discounts_over_the/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~134307 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **sales**^#1 **percent**^#2 **car**^#3 **truck**^#4 **consumer**^#5"


I'm sure that'll help women; you don't have to *earn* this board seat, we're just giving it to you because we need votes our way. Ridiculous and very surprising from such a large asset manager who should know maybe a thing or two about statistics and merits.


Currently the credit history are not International but are local. Many countries don't have a concept of credit history yet. Having said that, if you are moving to US, depending on your history in your country, you can ask the same bank to provide you with a card and then start building history. For example in India I had a card with Citi Bank and when I moved to US for a short period, I was given a card based on my India Card, with equivalent credit in USD. If you are moving often internationally, it would make sense to Bank with a leading bank that provide services in geographies of your interest [Citi, HSBC, etc] and then in a new country approach these institutions to get you some starting credit for you to build a history.


If you think that your parents' home is in danger, you might want to check what it would take to make sure their house is safe, and what the financial situation actually is. You are paying rent, there are brothers who may or may not be paying rent. We don't have the information, you have. Saving that house might be a worthwhile investment. I assume that if you moved out, either rented or by buying a house, they wouldn't get any rent from you anymore and whatever the situation is, it would be much worse.


It's a question of values. If we are concerned about high taxes some people are asked to pay in support of their government, a government that supports the community that provides the wealth gathered by the rich, should we also be concerned about the high payments asked of the community for basic living?


"As opposed to soybean processing? That uses hexane, a known neurotoxin that leaves it's residue in the final product? An analysis was done over the health and nutritional impact of ""pink slime"" It was deemed perfectly safe if processed according to guidelines: https://www.livescience.com/36367-pink-slime-bad-health-beef.html It was an irresponsible, bullshit, sensationalist story because some people found it icky."


"If there's one thing the futures markets don't lack, it's leverage. It's more than even most of the most aggressive investors use. Trading options might make more sense for some investors, but I can't think of how this would be ""a safer way"" compared to owning actual futures contracts, even at relatively high leverage."


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Seriously, you will buy a bicycle for your child on-line? And if the child said it's not what they wanted or does not fit, you will disassemble it and put in the box and return it to try another bicycle? Same with ride-in electric car? Playground? Sand for the sandbox? Base on what you are saying, you never ever go to a store to buy anything. You will even order milk on-line.


"replace ""new member acquisition"" with ""new loans"" and see how true your statement isn't. ...but more fundamentally, there are two factors that exclude banks from ponzi scheme membership: 1 - the thing they create is not in finite supply (they create money at a 10 to 1 rate by encumbering future labor proceeds). Technically, one could argue that future labor proceeds *are* the thing that does have a finite supply. I've never seen **anyone** post an estimate of the maximum supply of future labor proceeds (which is totally adjustable via inflation). 2 - they lend at a higher interest rate than they pay. Technically, all they have to do is keep the time value of money under control with respect of inflation over the duration of loans and they're good."


H1B visas are not terrible, and I am not against all H1B visas. However, it is a bald faced lie to suggest the number 1, if not only, reason companies use them is to cut labor costs. These companies are not advertising they could have hired local talent, but chose to provide the job to someone from a poorer region. I think whatever city everybody in the world wants to work or go to school, like Tokyo or London or Paris or Boston, that is going to have the world's best talent. Also, if those people go back to their homelands, they don't bring with them the ideas from the city they worked or matriculated, but rather the best ideas from all over the world. That isn't at all what is happening in technology. There are plenty of computer science and electrical engineer majors in the USA out of work, and some making six figures with a BS degree and 3 years experience, but so many are out of work. Many of those jobs were outsourced, but the talent used was so poor, the cost to upkeep or update was so expensive, that many companies brought back the jobs to the USA. Those companies still want to hire the same low cost workers, but want them working in the USA for reasons I will spare, here. The USA talent pool is so full, and jobs so scarce, it drives down wages; not actually, because what really happens in the company is toxic to work for, and demands 16 hour days, 7 days a week, for the same great salary that may have once been 40 hours a week with fun puzzles and entertainment and space and a gym on site, etc. Stopping H1B visas would force companies to bring back their on site gyms, large break rooms, increase work life balance, etc. Stopping H1B visas mean a lot of billion dollar tech companies would have to pay their shareholders and executives *less* this year than last year, which is outrageous in the **race to the bottom**


This guy was a total fraud, a demagogue. Now he's in, and guess what, woops, I lied, oh well, so sue me. Now he's president and not much of anything most people can do about it beyond demand that their non-representatives in congress impeach the guy, which seems like a train that is never going to come.


Again, you assume that I am going to go on a killing spree because I could care less that a turkey, which we are going to eat, is not treated nicely. Are you kidding me? You have no idea about me as a person, nor my station in life, yet you make assumptions based on the fact that I would rather devote my time to something that actually matters.


Take them to small claims court or just forget about it.


*Finally,* a safe way to milk poor stupid people without crashing the economy. I just can't work out how you double down and recover the losses from the taxpayer though? Somehow you need to shift the debt onto an industry or entity that is critical and can't be allowed to collapse. I'd love to know what the end game is.


We might not find it immediately worth it, but the market for such high labor only exists because we give it that market. On the surface, we all claim we would rather work half as much if it means not advancing any further. Yet we all throw money at the economy in a way that makes it want to keep working us to death to innovate. You ever wonder why you have to work so much, it's because this much labor is needed to sustain the demands of the people who want more production, more advancement, more things created. When you buy an iPhone X, you are telling Apple that you want them to continue hiring more people to work long hours to create better and nicer phones. When you pay more money for nicer houses instead of average houses you are telling construction companies to get more hours of labor from their workers to build you nicer things. When you buy the newest model of a car, you are telling those car companies that you want them to keep innovating and building new shit instead of halving their worker hours and making the same old cars with the same old factories. Who is it really that is demanding all this production and labor? It's us. We are the ones that make it impossible to work 2-3 days a week and be okay, because we've convinced ourselves that we have to keep pushing forward.


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"Tell me a better way to express the concept of synergy, please. And ROI. Deal with it? Manage expectations? Scalability? A deliverable? They're cliches because they represent a very real and necessary concept in business. They can be misused, but so can ""like"". And, again, some of the examples in the article are retarded."


"Its called propaganda. This ""user"" is a freaking bot that keeps posting anti-trump threads. Take a look, the ""user"" has over 7,000 karma and 0 comment karma. They don't even try... It has posted over 500 different threads in the 2 months it has been active, without making a single comment. Take a look at what all the threads are about, I'm sure you will be shocked. its probably a bot for /u/postnationalism as he loves to spam with propaganda and fake news articles too. He is probably a bought account turned to a bot too! This sub has turned to garbage."


> Why would the executives take accept a salary at 80% of the market wage when they could just get a job at 100% of the market wage. This may be true for managers, but research has found little to no evidence of a relationship between executive pay and performance. There is no market for executives. They're all on each others boards. They get much of their pay in stock options, diluting the wealth of those shareholders you're fighting for, without telling shareholders how much they're costing them.


If you want to go far upstream, you can get mutual fund NAV and dividend data from the Nasdaq Mutual Fund Quotation Service (MFQS). This isn't for end-users but rather is offered as a part of the regulatory framework. Not surprisingly, there is a fee for data access. From Nasdaq's MFQS specifications page: To promote market transparency, Nasdaq operates the Mutual Fund Quotation Service (MFQS). MFQS is designed to facilitate the collection and dissemination of daily price, dividends and capital distributions data for mutual funds, money market funds, unit investment trusts (UITs), annuities and structured products.


im shorting stocks and gold. the only way stocks and gold can go up is coz of QE3. if no QE3, then im shorting gold and stocks. but more gold than stocks. and i'm holding cold hard US FIAT dollars in my mattress. i'm letting my mattress manage my cash, nah' mean.


"I meant he is an anti American corporate left wing propaganda mogul with access to more personal information than we can even imagine. He is an obstructionist and nothing more. There are many examples of facebook censoring right wing groups and deleting memes/posts. His campaign to fight ""fake news"" is just an attack on all speech that isn't authoritarian left."


Your best bet is probably to find friends who are willing to pay you to order stuff for them. Or to use it to buy gift certificates at an online vendor, and either give those as gifts or find friends who'd be willing to buy them from you.


Step 1: Get a part-time job in sales. Perhaps selling appliances at Sears. Step 2: If you are great at that, then look into becoming a stock broker/investment adviser in Boise ... which is a sales job. Step 3: If you are great at that, then you might be able to become a portfolio manager, perhaps a hedge fund manager for the clients you collected as a stock broker/ investment consultant. That seems to be the steps I have seen from reading the bios of a number of professional investors. The other method seems to be an MBA from a top 10 business school.


Compared with a Sole Proprietorship, the main disadvantages of an S-Corporation or an LLC are that it adds a lot of management overhead (time, and possibly money if you don't do it all yourself), and there are fees you must pay to incorporate, as well as additional yearly maintenance fees which vary by state. You should be able to weigh the tax savings and liability protection against the extra costs and hassle, and see which way the scales tip. As a rule of thumb, the bigger your business gets or the more income you make, the more attractive incorporating becomes. Note there are some additional taxes that certain jurisdictions impose on business income. For example, IL and CA charge 1.5% tax, NY is less, but NYC is 8.85%! In NYC specifically, you could actually end up paying slightly more tax as an S-Corp than you would as a Sole Proprietorship. In most places though, the nominal local taxes will still be less than the FICA taxes you could potentially save.


There are several things being mixed up in the questions being asked. The expense ratio charged by the mutual fund is built into the NAV per share of the fund, and you do not see the charge explicitly mentioned as a deduction on your 401k statement (or in the statement received from the mutual fund in a non-401k situation). The expense ratio is listed in the fund's prospectus, and should also have been made available to you in the literature about the new 401k plan that your employer is setting up. Mutual fund fees (for things like having a small balance, or for that matter, sales charges if any of the funds in the 401k are load funds, God forbid) are different. Some load mutual funds waive the sales charge load for 401k participants, while some may not. Actually, it all depends on how hard the employer negotiates with the 401k administration company who handles all the paperwork and the mutual fund company with which the 401k administration company negotiates. (In the 1980s, Fidelity Magellan (3% sales load) was a hot fund, but my employer managed to get it as an option in our plan with no sales load: it helped that my employer was large and could twist arms more easily than a mom-and-pop outfit or Solo 401k plan could). A long long time ago in a galaxy far far away, my first ever IRA contribution of $2000 into a no-load mutual fund resulted in a $25 annual maintenance fee, but the law allowed the payment of this fee separately from the $2000 if the IRA owner wished to do so. (If not, the $25 would reduce the IRA balance (and no, this did not count as a premature distribution from the IRA). Plan expenses are what the 401k administration company charges the employer for running the plan (and these expenses are not necessarily peanuts; a 401k plan is not something that needs just a spreadsheet -- there is lots of other paperwork that the employee never gets to see). In some cases, the employer pays the entire expense as a cost of doing business; in other cases, part is paid by the employer and the rest is passed on to the employees. As far as I know, there is no mechanism for the employee to pay these expenses outside the 401k plan (that is, these expenses are (visibly) deducted from the 401k plan balance). Finally, with regard to the question asked: how are plan fees divided among the investment options? I don't believe that anyone other than the 401k plan administrator or the employer can answer this. Even if the employer simply adopts one of the pre-packaged plans offered by a big 401k administrator (many brokerages and mutual fund companies offer these), the exact numbers depend on which pre-packaged plan has been chosen. (I do think the answers the OP has received are rubbish).


The only way to hedge a position is to take on a countervailing position with a higher multiplier as any counter position such as a 1:1 inverse ETF will merely cancel out the ETF it is meant to hedge yielding a negative return roughly in the amount of fees & slippage. For true risk-aversion, continually selling the shortest term available covered calls is the only free lunch. A suboptimal version, the CBOE BuyWrite Index, has outperformed its underlying with lower volatility. The second best way is to continually hedge positions with long puts, but this can become very tax-complicated since the hedged positions need to be rebalanced continually and expensive depending on option liquidity. The ideal, assuming no taxes and infinite liquidity, is to sell covered calls when implied volatility is high and buy puts when implied volatility is low.


I was being sarcastic in response to you saying that hyperinflation happens every 30-50 years in a finance subreddit.. where the second lesson (right after time value of money) is that past results in general tell us nothing about the future.


Do not do investing with a bank. Do investing with a low cost investment company like Vanguard, Fidelity, or Charles Schwab. The lower the expenses of the fund the better. The additional money your account earns because of lower overhead expenses is so dramatic over the course of your investing it is mind boggling to me. The lower the expenses, the more of your money you keep, which feeds the power of compound interest. http://www.fool.com/investing/mutual-funds/2008/09/03/this-fund-charges-what.aspx


I get trying to attract companies, but then you get such a huge company in a smallish city or town, it completely dominates it. I have no idea why you would want that. Look at the Nestle bullshit in Canada, they are clearly breaking the law, but the towns are so reliant on Nestle for tax revenue and jobs, they are literally powerless. Small towns should do everything to discourage super large companies from setting up a head quarters in their towns. The companies will have too much power.


"This is colloquially referred to as a ""pump and dump"" scheme. You basically buy up some stock, and then try to pump up the demand through false and misleading positive statements and market activity. You then close your position once market interest is sufficiently high. If your firm has access to high frequency trading mechanisms, you may even be able to front run other market participants attracted by your buying activities. >I am wondering what is the best route to go down. Definitely micro-cap stocks. Things listed on the OTC markets, especially penny stocks, have this tendency to attract retail buyers just begging to be scammed. Emerging biotech firms also have a lot of potential due to investors' hopes of successful clinical trials. I should warn you though, this is very illegal and falls under market manipulation [according to the SEC](https://www.sec.gov/fast-answers/answerspumpdumphtm.html) and can lead to up to 25 years in prison. So make sure you stay small enough to avoid the regulatory radar. (But seriously, this belongs in r/personalfinance or elsewhere, r/finance isn't the sub you want)."


Stuart MacFarlane Jungian Analyst Stuart MacFarlane is a seasoned therapist with well over 30 years of experience in the field of psychology. He specializes in the treatment of psychological dilemmas and disorders that include depression, bipolar disorder, bereavement, anxiety, addiction and relationship counseling.


What I should have done in the first place was just ask them. From their customer support team: Thanks for writing in and for your interest in Square. It is perfectly acceptable to use Square for personal business, such as a yard sale. You do not need to have a registered business to take advantage of Square and the ability to accept credit cards. Just please note that it is against our Terms of Service to process prepaid cards, gift cards or your own credit card using your own Square account. Additionally, you may not use Square as a money transfer system. For every payment processed through Square, you must provide a legitimate good or service. Please let me know if you have any additional concerns.


I've done this, but on the other side. I purchased a commercial property from someone I had a previous relationship with. A traditional bank wouldn't loan me the money, but the owner was willing to finance it. All of the payments went through a professional escrow company. In our case it was a company called Westar, but I'm sure there are plenty out here. They basically serve as the middle-man, for a fee (something like $5 a payment, plus something to set it up). They have the terms of the loan, and keep track of balances, can handle extra principle payments and what that does to the term of the loan, etc. You want to have a typical mortgage note that is recorded with the local clerk's office. If you look around, you should be able to find a real estate lawyer who can set all this up for you. It will cost you a bit up front, but it is worth it to do this right. As far as taxes, my understanding is that the property itself is taxed the same as any other property transfer. You would owe taxes on the difference between the value of the property when you inherited it and when you sold it. The interest you get from the loan would be taxed as regular income. The escrow company should send you tax forms every year listing the amount of interest that you received. There are also deductions you can take for expenses in the process.


I HATE Best Buy. Things might have changed because I don't think I have been in one for almost 2 years but I don't like overload and Best Buy is overload. Overload in every way. - You walk in and someone is right in your face. - There are about 7,000 TVs and 14,000 different other screens shooting shit at your face with so much sound in the background I feel like I'm at an arcade. - Employees are trying to sell you DVDs (*who even buys those anymore?*) and magazines or whatever rando shit they are pushing that week. I fucking hate that place. It's like the worst retail experience I could imagine. There is nothing enjoyable about it at all. The last few times I've been have been to grab a cord or something I really need and I'm like some shell shocked Vietnam vet. I brace myself and run in as fast as possible grab whatever looks right and make a dash for the cash registers.


I'm looking for ways to geared to save for retirement, not general investment. Many mutual fund companies offer a range of target retirement funds for different retirement dates (usually in increments of 5 years). These are funds of funds, that is, a Target 2040 Fund, say, will be invested in five or six different stock and bond mutual funds offered by the same company. Over the years and as the target date approaches closer, the investment mix will change from extra weight given to stock mutual funds towards extra weight being given to bond mutual funds. The disadvantage to these funds is that the Target Fund charges its own expense ratio over and above the expense ratios charged by the mutual funds it invests in: you could do the same investments yourself (or pick your own mix and weighting of various funds) and save the extra expense ratio. However, over the years, as the Target Fund changes its mix, withdrawing money from the stock mutual funds and investing the proceeds into bond mutual funds, you do not have to pay taxes on the profits generated by these transactions except insofar as some part of the profits become distributions from the Target Fund itself. If you were doing the same transactions outside the Target Fund, you would be liable for taxes on the profits when you withdrew money from a stock fund and invested the proceeds into the bond fund.


Hmmm... As far as I know wire transfers are still the best option. If you make sure your US account accepts international wires for free (like TD Bank does) you'll have eliminated most of the costs (assuming your foreign bank doesn't charge too much for wiring the funds in the first place). Also, if your able to, you could consider wiring 6 or so months at the same time. I'm not familiar with XE.com but it seems it's not set up for transferring money so much as for trading currencies. While you could probably use it to transfer funds if you'd link both your accounts it seems a rather complicated way to go about things. Paypal could be an option if they'd allow you to set up an account in each country (or if you have a relative that could help out), but it gets more expensive than wire-transfers quickly. As for getting the best exchange rate... I've given up on that a long time ago and have accepted that as the cost of living internationally :).


"Can you tell me please, is it really hard to make international wire transfer for payment my job and can i resolve this problem without using third party services? This is mostly a barrier, the form at times is quite complicated. For Russia, one has to enter ""Purpose of remittance"" ... at times select intermediate banks, give BIC and other details. This can become unnerving to people who are not used to it. The other option you can try is set-up a credit card gateway and get funds via cards."


"You might try just asking him, in private. Don't accuse him of misbehaving, just ask how you can improve, which he'll probably tell you if there is some real reason. ""Hey boss, I just wanted to take a minute to check in. I'm trying hard to do a great job. Do you have any suggestions on how I can be a better team member?"""


"Is he affiliated with the company charging this fee? If so, 1% is great. For him. You are correct, this is way too high. Whatever tax benefit this account provides is negated over a sufficiently long period of time. you need a different plan, and perhaps, a different friend. I see the ISA is similar to the US Roth account. Post tax money deposited, but growth and withdrawals tax free. (Someone correct, if I mis-read this). Consider - You deposit £10,000. 7.2% growth over 10 years and you'd have £20,000. Not quite, since 1% is taken each year, you have £18,250. Here's what's crazy. When you realize you lost £1750 to fees, it's really 17.5% of the £10,000 your account would have grown absent those fees. In the US, our long term capital gain rate is 15%, so the fees after 10 years more than wipe out the benefit. We are not supposed to recommend investments here, but it's safe to say there are ETFs (baskets of stocks reflecting an index, but trading like an individual stock) that have fees less than .1%. The UK tag is appreciated, but your concern regarding fees is universal. Sorry for the long lecture, but ""1%, bad."""


>Amazon is always going to be pointless for screws and nails because you can't ship that economically. You can't do items like lumber, sheet rock, or concrete due to weight. You can never ship large items due to size. Amazon appears to be aggressively buying retailers that have physical presence in many communities. I would not put it past them to begin buying building supply companies that specialize in delivery of bulk building materials.


"In studying the great ""successes"" in business, it's clear that those who do the best have unlimited creative and business ideas, not just one idea, but many ideas all day long everyday. No matter what you decide for your current idea, document (write down) your process of each step that you took from idea to inception and track one or two key metrics alongside, so your list would look like this: 1. Socialize idea, goal revenue $0, total cost $0, time 26 hours 2. monitor money invested, costs, and hours of your time 3. Brainstorm: What's the quickest way to have one paying client 4. How will I track my customers? 5. How will I connect and communicate with my customers? 6. And on and on. From having an idea to implementation to even making money or a profit is quite simple, straightforward, and any book, mentor or online free content can show you how. What is ""hard"" is maintaining motivation, stamina, and creativity for when REAL challenges come up, because they will! Competition swoops in, in a way you that you (and the sage commenters at Reddit) couldn't have predicted, you are audited by the IRS and then owe way more in taxes than you expected from four years ago, you are sued for a small claims or worse, or you simply get bored or inspiration strikes in your heart on another great idea. Problems like this require REAL and thoughtful ""creativity and implementation"" on demand, all day, everyday. This is what starting a business is really about. Tracking your steps means that you can easily and quickly review what you've done and backtrack or try another idea instead of wallowing in mistakes, missteps, or hard problems. It's really much harder than it sounds, but once you can invent more ideas to solve a problem than there are problems, you can overcome most challenges. The framework is that, you want to start a business because it serves your customers, brings them enough value and delight to pay you, and you have a way to make a living yourself and/or sell eventually or have some ""exit strategy."" You want an exit strategy so that your business doesn't become a poor paying ""job"" that you're a slave to. Because it does, and if it does, a job is way easier and makes you more money. Write down each step of your business building process, track your costs, revenue, and time, and have fun. Then, you have enough energy to ""pivot"" or change your ideas because you've set up a repeatable, improvable, process to run your next idea through with modifications along the way. You keep retrying your process for your ideas until your lifestyle is paid for (your salary) or something even greater monetarily."


Deposit check and send a personal check (resulting in tax and IRS reporting issues) That's a bad idea, unless maybe the check you're receiving is a certified bank draft. Suppose the insurance company are crooks and the check is fraudulent. It could take weeks or months for some investigation to catch up to that, long after your own personal check was cashed by the pharmacy. The bank will then put you on hook for the 20 grand by reversing the check, even though the funds had been deposited into your account. Do not put yourself into the position of a money handler; you don't have the cash base, insurance, government protection and whatever else that a bank has. And, of course, you're being a free money handler if you do that. (You're not even compensated for postage, time and whatnot). If you're handling money between two parties, you should collect a percentage, or else refuse. That percentage has to be in proportion to the risk, since cashing a check for someone carries a risk similar to (and is effectively a form of) making a loan.


I'll save you the years of trouble now. IB is bullshit now. It was good back in the day but not anymore. If you want to make money you have to go to a hedge fund, or trade for yourself (obviously you'll need capital)


Lol yeah tell that to all my teachers and professors over the years. Anyway, your line of reasoning doesn't necessitate CEOs stick around long. Also it's factually incorrect based on all the google studies you still haven't looked at.


The last thing I bought there was a barbecue for my dad. I needed two accessories that were on display with it as well, but they didn't carry them instore. So I had to go online to order them... from two different places. And one of the part numbers I was given didn't match anything, so I had to call on the phone and spend about 15 minutes with someone figuring it out. It was a less than stellar experience.


If that's the case then fine - I always skip the lowest end of bookings (If price sorted) after too many bad experiences. I'll pay 20 extra if it's got better quality/reviews so if they want to rank those top for me by default they've just scored a new customer!


You can find great deals and the forums are full of other information. I also have found when I need to find a deal on something, you can ask or find others on the forums for help. http://slickdeals.net/


If you have coins that came from a known silk road tumbler, it'd be difficult to cash out large amounts. A little bit here and there you might get away with but if you want to run your operation on bitcoin you have to go through a lot of precautions. Bitcoin on its own doesn't let you easily avoid the law. Bitcoin exchanges follow aml/kyc so you'd be a fool to use them with criminal activities.


"I worked for a major car rental company (not Hertz, but comparable) for quite a while, taking reservations by phone. I completely agree that the reservation system is terrible, and is only vaguely based on the reality of their vehicles in stock at best. The problem is, from a strictly business perspective, taking more reservations than they have cars is currently considered the most profitable model for them. To play devil's advocate just a little, switching to a ""take only one reservation per vehicle, reserve it to 100% lock it in"" model is a bit more complicated than it sounds. In order to guarantee a specific car for a customer at a specific time, they either have to leave that car sitting on their lot until you rent it (not making money), or keep renting it out to other people in the interim. If they rent it out to someone else before your rental comes up, that removes the vehicle from their control. Bordering on constantly, renters don't return the vehicle within their promised schedule or return it in a damaged or otherwise unsuitable condition. To be clear I'm not trying to make excuses for the rental car company (there are many reasons I no longer work there), but it's objectively hard for them to get a specific vehicle if, say, all but one of them were in wrecks the previous night, and the person renting the last one drove it across the country without warning the rental office and refuses to come back. Those problems all get solved eventually, but that doesn't help you when you show up and can't get the car you reserved. So, they continue to take excessive reservations, and just give people whatever they happen to have when they show up, if they have any cars at all. There's definitely better ways to do it for the customer, but like many businesses, they'll continue to do it whatever way they determine is best for their profits. Edit: Words."


Consider trailing stop losses maybe 5% below your profit target, if you want a simplistic answer.


If you had a time machine and could go back and tell yourself in 2005 that there would be a stretch coming up where the FFR would be held a 0% for (at least) 6 solid years you would not have believed it. No one would have believed it. That would have been crazy loony toon talk.


The OTC market is a marketplace, the location it definitely relied on the purchaser marketplace. The OTC market is mostly used to exchange bonds among the two occasions and all this technique are executed by way of manner of the third celebration. They are able to also be used to alternate equity, such because of the OTC QX and purple marketplaces within the USA. The minamargroup is the Florida, USA situated agency, who elements their purchase investor relation with to present organization into to make new ones. OTC way it's far a protection traded in some context other, changing between parties or groups inclusive of New York Stock trade.


Except for the fact that China is currently industrializing, urbanizing, and is seeing rapidly rising wages among its leading industrial zones. The China of 1890-1911 was still run by the inept government that couldn't find its collective ass with all of the hands in China. There is simply no comparison.


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"Here is where you missed it in that article: "" The FCC is right to reject obsolete Ma Bell era regulation that denies this basic fact."" Renders most of your reply moot. This is in fact stating for removal of NN. Its hidden among all of the anti-monopoly screaming. Cleverly I might add. By the way its right above your highlighted line. Edit: in case your not understanding it, those Title 2 ""ma bell"" regulations went into place in the 1930s I believe."


If any new taxes are levied on me, or my company, as our current President plans, I will have no choice but to reduce the size of this company, Those are income taxes right? So like, he's not saying he will be forced to fire people to maintain a viable business, he's saying he'll have to fire people to maintain his level of profits. Of course, less profit is still profit so he wouldn't *have* to fire people, he could keep running the business as it is and just make less money...but then how would he [build the biggest house in america??](http://www.imdb.com/title/tt2125666/)


"First of all, setting some basics: What is a sound way to measure the risk of each investment in order to compare them with each other ? There is no single way that can be used across all asset classes / risks. Generally speaking, you want to perform both a quantitative and qualitative assessment of risks that you identify. Quantitative risk assessment may involve historical data and/or parametric or non-parametric models. Using historical data is often simple but may be hard in cases where the amount of data you have on a given event is low (e.g. risk of bust by investing in a cryptocurrency). Parametric and non-parametric risk quantification models exist (e.g. Value at Risk (VaR), Expected Shortfall (ES), etc) and abound but a lot of them are more complicated than necessary for an individual's requirements. Qualitative risk assessment is ""simply"" assessing the likelihood and severity of risks by using intuition, expert judgment (where that applies), etc. One may consult with outside parties (e.g. lawyers, accountants, bankers, etc) where their advisory may help highlighting some risks or understanding them better. To ease comparing investment opportunities, you may want to perform a risk assessment on categories of risks (e.g. investing in the stock market vs bond market). To compare between those categories, one should look at the whole picture (quantitative and qualitative) with their risk appetite in mind. Of course, after taking those macro decisions, you would need to further assess risks on more micro decisions (e.g. Microsoft or Google ?). You would then most likely end up with better comparatives as you would be comparing items similar in nature. Should I always consider the worst case scenario ? Because when I do that, I always can lose everything. Generally speaking, you want to consider everything so that you can perform a risk assessment and decide on your risk mitigating strategy (see Q4). By assessing the likelihood and severity of risks you may find that even in cases where you are comparatively as worse-off (e.g. in case of complete bust), the likelihood may differ. For example, keeping gold in a personal stash at home vs your employer going bankrupt if you are working for a large firm. Do note that you want to compare risks (both likelihood and severity) after any risk mitigation strategy you may want to put in place (e.g. maybe putting your gold in a safety box in a secure bank would make the likelihood of losing your gold essentially null). Is there a way to estimate the probability of such events, better than intuition ? Estimating probability or likelihood is largely dependent on data on hand and your capacity to model events. For most practical purposes of an individual, modelling would be way off in terms of reward-benefits. You may therefore want to simply research on past events and assign them a 1-5 (1 being very low, 5 being very high) risk rating based on your assessment of the likelihood. For example, you may assign a 1 on your employer going bankrupt and a 2 or 3 on being burglarized. This is only slightly better than intuition but has the merit of being based on data (e.g. frequency of burglary in your neighborhood). Should I only consider more probable outcomes and have a plan for them if they occur? This depends largely on your risk appetite. The more risk averse you are, the more thorough you will want to be in identifying, tracking and mitigating risks. For the risks that you have identified as relevant, or of concern, you may opt to establish a risk mitigating strategy, which is conventionally one of accepting, sharing (by taking insurance, for example), avoiding and reducing. It may not be possible to share or reduce some risks, especially for individuals, and so often the response will be either to accept or avoid the given risks by opting in or out on an opportunity."


"Read again what I said in my original post. ""Enterprise Value is the sort of ""bare bones"" total firm value. It doesn't include any cash because you'd basically be paying cash for cash. Also, this makes analysis of transaction multiples more streamlined, as some firms may have a ton of excess cash on their balance sheet, skewing multiples."" I said that that is WHY we use enterprise value. Because if you didn't it would skew multiples."


The fund should be reporting returns net of expenses, so your interpretation is right; it made something like 0.42% (which sounds plausible, based on current yields on short-term securities), and the 0.05% is what's left after expenses. I've never seen a regular mutual fund report raw returns before expenses. If one does, the my personal opinion would be that they're trying to snooker you, as that number isn't actually representative of anybody's actual returns. If you look carefully, you should be able to find a table that reports several kinds of adjusted returns for the fund: As to what happens if a fund can't earn enough returns to cover its expenses, in that case the value of the fund shares will decrease. This happens from time to time with riskier funds. It shouldn't happen with a money market fund because both the returns and the expenses are fairly predictable, so the fund managers should be able to avoid it, unless they get caught up in a major crisis like the 2008 banking crisis. In ordinary times, a money market fund managers who couldn't keep expenses below income would find themselves looking for a new job fairly quickly. Finally, for what it's worth, 0.37% is a really high expense ratio for a money market fund. If you were to shop around, you could easily find comparable funds with expenses less than half that.


Your best bet is to remove the excess contribution. Your broker should have forms to do that. There is a 6% tax on the excess contributions for each year that it remains uncorrected. It would be better to just eat the $25 fee and get rid of any future headaches.


"Yes it is possible, the Google Summer of Code students have been doing so for years. They get a Prepaid card and then can spend that in there local countries. They have the billing address as Google and the shipping address as their own. A few retailers have trouble but that just their systems. The trouble people have had is more in transferring the money to their personal accounts, usually there is a charge on this transfer. Transfer money from US (""prepaid"") VISA Debit to AU bank account"


While I've never used the service, there's also Amazon Flexible Payments Services (AFPS): (emphasis below is mine) Amazon Flexible Payments ServiceTM (Amazon FPS) is the first payments service designed from the ground up for developers. It is built on top of Amazon’s reliable and scalable payments infrastructure and provides developers with a convenient way to charge Amazon’s tens of millions of customers (with their permission, of course!). Amazon customers can pay using the same login credentials, shipping address and payment information they already have on file with Amazon. [...] Considering Amazon.com is an e-commerce heavyweight, it might be worth a look.


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-09-28/more-americans-are-falling-behind-on-student-loans-and-nobody-quite-knows-why) reduced by 88%. (I'm a bot) ***** > By. More student debtors are falling behind on their federal student loans, after three years of declines in late payments-and with no clear explanation, experts aren&#039;t sure whether to take it as a sign of distress or a temporary blip. > Michael Tarkan, who tracks student debt as director of research at Washington-based Compass Point Research & Trading, offered three other possibilities for why more borrowers are falling behind. > In recent years, companies like Social Finance Inc., known as SoFi, have been making new student loans to high-earning Americans with sterling credit to pay off their federal student debt. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/73bb2m/now_here_is_an_example_of_someone_that_is_really/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~219224 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **year**^#1 **borrowers**^#2 **loan**^#3 **student**^#4 **Department**^#5"


I would look for an alternative wire transfer service that will charge less. I use ofx, but note that they don't do transfers to roubles. The rate adjusts by amount being transferred and there is a $15 fee for under $5000. Upside is it is bank-to-bank. 2 days tops.


"I don't think credit cards support depositing money into to begin with. Anyone could deposit money to a Credit Card acccount. All they need is your bank's name, Visa/Mastercard, and 16 digit number. It is done through the ""Pay Bills / Make Payments"" function in online banking. So tell me, what does it mean that PayPal will transfer the money to my VISA card You can use the new balance for spending via Credit Card, the effect is same as making a payment from your chequing account to credit card account. Will it simply just get transferred to my bank account by the local bank after that Some banks would refund the excess amount from your Credit Card to your Chequing Account after a while, but most don't. People keep credit balance on credit card to make a purchaes larger than credit limit. For example, if your credit limit is $1000, balance is $0, and you made $500 payment to the credit card, you can make a purchase of $1500 without asking for credit limit increase."


A few things. First, in order for Tesla to succeed there needs to be a market for electric cars, Tesla alone cannot create a market for electric cars. They could have the best battery design in the world and nobody will care if nobody wants electric vehicles. The next is Tesla got a head start, and is a darling company in the public eye. People love Elon, and Tesla is portrayed as a very cool company in the public eye. The last thing that I think is important is that I don't believe Tesla released anything about their manufacturing techniques. Knowing how a battery is made is cool, but if you can't build it efficiently and affordable t doesn't matter if you know how it's built.


Yes, indeed. For example, Ford Motor Company's website has a bit about them. Is there any advantage to having an actual physical note instead of a website? You can safeguard them yourself. Which may or may not be a good thing. It certainly brings up a bit of hassle and extra costs if you want to sell them. Though you can have lost certificates replaced, so there is more to it than just having physical possession of the certificates.


Even experts have no real certainty what the market will do as a whole. 2/3's of managers fail to beat the market every year. I think this is mostly due to hedging and trying to meet their investors needs. If. You buy and hold a few index ETFs you will most likely beat actively managed accountsn that said, you will sacrifice liquidity if you want to avoid cyclical losses.


"You're right. It actually isn't too long. I've certainly read much longer articles but the author just is not effectively communicating. When the writer tells you to ""refresh your drinks..."" that's a sign that even *they* think it's not going to be a quick summary of the situation. If it were a more compelling read then I'd slog through it but the author's ramblings are not enough to keep my attention."


"The S&P 500 index is maintained by S&P Dow Jones Indices, a division of McGraw Hill Financial. Changes to the index are made periodically, as needed. For Facebook, you'll find it mentioned in this December 11, 2013 press release (PDF). Quote: New York, NY, December 11 , 2013 – S&P Dow Jones Indices will make the following changes to the S&P 100, S&P 500, MidCap 400 and S&P SmallCap 600 indices after the close of trading on Friday, December 20: You can find out more about the S&P 500 index eligibility criteria from the S&P U.S. Indices methodology document (PDF). See pages 5 and 6: Market Capitalization - [...] Liquidity - [...] Domicile - [...] Public Float - [...] Sector Classification - [...] Financial Viability - Usually measured as four consecutive quarters of positive as reported earnings. [...] Treatment of IPOs - Initial public offerings should be seasoned for 6 to 12 months before being considered for addition to an index. Eligible Securities - [...] [...] Changes to the U.S. indices other than the TMIX are made as needed, with no annual or semi-annual reconstitution. [...] LabCorp may have a smaller market cap than Facebook, but Facebook didn't meet all of the eligibility criteria – for instance, see the above note about ""Treatment of IPOs"" – until recently. Note also that ""Initial public offerings should be seasoned for 6 to 12 months"" implies somebody at S&P makes a decision as to the exact when. As such, I would say, no, there is no ""simple rule or formula"", just the methodology above as applied by the decision-makers at S&P."


You guys know that you don't need to use itunes right? Winamp can load/unload ipod devices just fine. There are other good alternatives too. I just use my phone now but itunes was so terrible I barely ever used it with my ipod when I was still using it.


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One of the reasons, apart from historical, is that different people have different tax liabilities which the employer may not be aware of. For example, in the US we don't pay taxes in source on investment income, and there are many credits and deductions that we can't take. So if I have a child and some interest income from my savings account - employer's withholding will not match my actual tax liability. There are credits for children, additional taxes for the interest, and the actual tax brackets vary based on my marital status and filing options I chose. So even the same family of two people married will pay different amounts in taxes if they chose to file separate tax returns for each, than if they chose to file jointly on one tax return. For anyone who've lived anywhere else, like you and me, this system is ridiculously complex and inefficient, but for Americans - that works. Mainly for the reason of not knowing anything better, and more importantly - not wanting to know.


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I'm sorry, does this somehow change the fact that your original comment is wrong? I make about 7 times minimum wage. I have no direct personal interest in having it raised. People shouldn't be able to work 40 hours a week and still have to collect government benefits to make ends meet. That is essentially corporate welfare, with the government paying the difference between what wal-mart pays its employees and what they actually need to live.


Ordinarily a cosigner does not appear on the car's title (thus, no ownership at all in the vehicle), but they are guaranteeing payment of the loan if the primary borrower does not make the payment. You have essentially two options: Stop making payments for him. If he does not make them, the car will be repossessed and the default will appear on both his and your credit. You will have a credit ding to live with, but he will to and he won't have the car. Continue to make payments if he does not, to preserve your credit, and sue him for the money you have paid. In your suit you could request repayment of the money or have him sign over the title (ownership) to you, if you would be happy with either option. I suspect that he will object to both, so the judge is going to have to decide if he finds your case has merit. If you go with option 1 and he picks up the payments so the car isn't repossessed, you can then still take option 2 to recover the money you have paid. Be prepared to provide documentation to the court of the payments you have made (bank statements showing the out-go, or other form of evidence you made the payment - the finance company's statements aren't going to show who made them).


"Nope, you don't get what I mean. If you put a statement that is not only incorrect, but shows bias, you will get laughed at by anyone. Export means that you take something and then sell them to someone else. That's a positive, and actually exists (though still not quite the correct terminology, it is more apt). For example, the Philippines exports maids to the Middle East. That helps the Filipino economy, unlike what you are saying. But the other thing is that by saying ""export"", you are already assuming a net loss of jobs, which would not only goes against 90% of economists beliefs, and is the equivalent of starting an abortion debate with, ""why do you kill unborn babies"", and when anyone corrects you, you claim pedantry. You already showed your bias and pretty much invited a circle jerk by using those words. Which may be fine reddit, where the hive mind laps this up, but ask anyone who's gone beyond studying Macroeconomics, and you won't be taken seriously. The choice is yours, do you want a circle jerk, or do you want to engage in an actual conversation?"


"Assuming you've got no significant prepayment penalty, I would think about getting a longer mortgage, but making payments like it was a shorter mortgage. This will get the mortgage paid off in a shorter time period - but if you run into financial difficulties and/or find a better use for your money, you can drop back to paying the minimum necessary to retire the loan in 30 years without needing to refinance. (If you need to reduce your payments because you're between jobs, you don't have a very good negotiating position). For the most part, there's nothing that says you can only make one payment per month, or that it must be in the amount printed on the statement. If you want to, you can make payments weekly (or biweekly, or every 4 weeks) which typically means that you'll pay more every year. If your mortgage payments are $1000/month, that's $12,000 per year. If you tell yourself that 1000/month = $250 weekly and make yourself send a payment every week (or 500 every 2 weeks), you'll end up paying 250 * 52 = $13,000 per year, without particularly feeling the difference, especially if you get paid on a weekly/biweekly schedule instead of monthly or semi-monthly. Also, by paying more often, you're borrowing a tiny bit less money over the course of the year (because the money didn't sit in your account waiting until the 1st of the month to make a payment) so you save a little in interest there, too. Think of ""30 years"" or ""10 years"" as the basis for a minimum payment schedule, not necessarily the length of time that you or the lender really intend to keep the loan."


Tax is payable on one's income in India. All funds are not necessarily income as long as they can be proven not to be an income, for instance a interest free loan & return of its capital. Otherwise, yes the fund can be considered to be income. In your case, from a practical purpose, the 200-300 Rs. transfers per month, if you get audited by IT Dept., perhaps would be discretionary considered to be non-income by the auditing office. Again, from a practical perspective, if Indian IT dept. ever audits you, it perhaps will be for a much larger liability and 200-300 Rs. transfer per month may not matter much.


I'd say scuttle the company so the guy can't keep his evil master plan going. Get all of the stores to mark everything $1, clear the inventory, and then walk away. Let Sears die, rather than this life support torture scenario this guy is pulling. Maybe then he'll sell the name to somebody who wants to make something out of it.


A standing order is still the right way to do this. Most bank accounts have online access and will let your customer setup the standing order online, without having to fill in a paper form.


How is Floyd bad with money? I'm going to need you to explain that if you're going to make statements like this... This is a guy who owns several businesses, brands, and has an investment portfolio that would make anyone's mouth water. He's incredibly good at making money, so even though he's extravagant and flaunts his money, that doesn't mean he's making bad financial decisions... he can afford to spend it, so why the fuck shouldn't he? You just hate him cuz he's a dick that makes life look easy as fuck... get over yourself


> Sure, you don't agree, don't know why don't agree, can't explain why you don't agree... because you like to disagree for the purpose of disagreeing. Oh please. You're the one who started attributing disagreements to me about things I never said. > What don't you disagree with? OK, I'll bite. > Susan is no good? She made a grave mistake. Can't speak to the totality of her career based on this one incident. > Got her job in a corrupt way? No public information sources I've seen support such an allegation. > her degrees show she was not born interested in security (except for fat pay checks)? Her degree shows that in her youth she was more interested in music; her career history, on the other hand, demonstrates an interest in security. Alleging that her interest was solely based on pay is pure speculation. > people with IT degrees are more a match, suitable and qualified for security jobs, especially when they have specific on-hand experience? People with specific, recent experience (Susan had 14 years), are more qualified than people with an outdated IT degree. Between two people with identical experience, the IT degree might help tip the scales. Still, her role was administrative, not hands-on, so specific technical skill sets are less important than management skills for this role. > HR does not care about employees? Good HR does. > real experts have to fight HR and terrible management... and usually lose because of this whole corrupt setup? Real security experts are not often also experts in HR and management, so aren't qualified to judge qualifications or actions of taken in those contexts as they are unlikely to have a clear view of the overall situation. Claiming that the HR and management setup is systemically corrupt is a specious claim.


I think you missed what I was actually trying to say. The days of the college dropout becoming a mega millionaire due to the sheer luck of being involved in the computer age in the 90's is gone. I didn't say people still couldn't make good money.


Mismanaged companies are a commodity that can be turned into profitable companies. Companies like Bain invest in companies that would probably go bankrupt otherwise, shuffle things around (usually firing some people, sometimes a lot), and sell the company to someone now that it's profitable at an exorbitant rate. I don't like many investors outsource to China, but when a private equity firm gets involved with your company, those jobs don't have long to begin with.


> Smith earned $15 million in total compensation in 2016, including a $1.5-million base salary and $7.3 million in stock awards, according to the company’s securities filings. > As of Dec. 31, his pension was valued at $18.4 million, the filings showed. Smith is entitled to that pension “under any circumstances,” Gutzmer said.


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"Here's a very basic MySQL query I put together that does what I want for income/expense report. Basically it reports the same info as the canned income/expense report, but limits it those income/expenses associated with a particular account (rental property, in my case). My main complaint is the output ""report"" is pretty ugly. And modifying for a different rental property requires changing the code (I could pass parameters etc). Again, the main ""issue"" in my mind with GnuCash income/expense report is that there is no filter for which account (rental property) you want income/expenses for, unless you set up account tree so that each rental property has its own defined incomes and expenses (i.e. PropertyA:Expense:Utility:electric). Hopefully someone will point me to a more elegant solution that uses the report generator built into GnuCash. THanks! SELECT a2.account_type , a4.name, a3.name, a2.name, SUM(ROUND(IF(a2.account_type='EXPENSE',- s2.value_num,ABS(s2.value_num))/s2.value_denom,2)) AS amt FROM ( SELECT s1.tx_guid FROM gnucash.accounts AS a1 INNER JOIN gnucash.splits AS s1 ON s1.account_guid = a1.guid WHERE a1.name='Property A' ) AS X INNER JOIN gnucash.splits s2 ON x.tx_guid = s2.tx_guid INNER JOIN gnucash.accounts a2 ON a2.guid=s2.account_guid INNER JOIN gnucash.transactions t ON t.guid=s2.tx_guid LEFT JOIN gnucash.accounts a3 ON a3.guid = a2.parent_guid LEFT JOIN gnucash.accounts a4 ON a4.guid = a3.parent_guid WHERE a2.name <> 'Property A' # get all the accounts associated with tx in Property A account (but not the actual Property A Bank duplicate entries. AND t.post_date BETWEEN CAST('2016-01-01' AS DATE) AND CAST('2016-12-31' AS DATE) GROUP BY a2.account_type ,a4.name, a3.name, a2.name WITH ROLLUP ; And here's the output. Hopefully someone has a better suggested approach!"


This is to protect your position in specific highly volatile market conditions. If the stock is free falling and you only have a stop order at $90, it's possible that this order could be filled at $50 or even less. The limit is to protect you from that, as there are certain very specific times where it's better to just hold the stock instead of taking a huge loss (ie when price is whipsawing).


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Deposits into NRE account can only be done from funds outside India. So your brother cannot deposit into your NRE account. He can deposit in NRO account or directly wire transfer the funds. Both these require some paper work depending on the amount.


yeah, it does but I got burned so many times by very bad support from black sounding voices with specific accents... after all it just applies only to Afro-Americans from specific areas, hardly racist, rather a cultural racism ;) and sadly even my black friends agree with that.


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I'm 23 and working in finance after graduating with a degree in finance from University of Wisconsin. I can tell you that you that if you work hard to get relevant internships during the summer months between semesters, you won't have any issues getting a job in finance. However, if you decide to go the computer science route (like my two roommates did), you won't have any troubles finding a job. However, you will have way more opportunities to choose from if you have relevant internship experience. Long story short, work hard to get a good GPA and line up internships for the summer, but you should also make sure that you're having fun during the school year.


Tax liability in US: You would need to determine if you are a resident alien or non resident alien. Resident alien are taxed normally as per US citizens. For the annual remuneration you have quoted it would be in the range of 25%. Refer http://www.moneychimp.com/features/tax_brackets.htm To determine if you are resident alien or non resident alien, you need to be present for certain period in US. There is also an exemption even if you meet this you can still be treated as non resident alien if your tax home is outside US [India in this case] Refer to the link for details to determine your category, the durations are for number of days in financial year, hence it matters when you are in US and the exact durations. http://www.irs.gov/taxtopics/tc851.html Also note that if you are assessed as resident alien, even the income from India will be taxed in US unless you declare there is no income in India. Tax liability in India: The tax liability in India would be depending on your NRI status. This again is tied to the financial year and the number of days you are in country. While the year you are going out of India you need to be away for atleast 183 days for you be considred are NRI. So if you are treated as Indian resident, you would have to pay tax in India on entire income. In the worst case, depending on the period you travel and the dates you travel, you could get classified as citizen in US as well as India and have to pay tax at both places. India and US do not have a dual tax avoidance treaty for individuals. Its there for certain category like small business and certain professions like teacher, research etc.


"Saying that sales go online doesn't mean that a typical JC Penny shopper just goes to their site. These people are going to google, shopping engines and Amazon. ""Upping your online sales"" isn't that simple. If the majority of shoppers are searching google and your listings don't show up, then that potential customer is going else where. You could pay for PPC ads but return on investment on PPC can suck depending on your market and for products that have a long life cycle return happy customers could be years before they return. Even worse, if JC Penny and Sears DID want to compete online their prices aren't really all that great either, so even if you landed on their site, chances are you can find it cheaper else where, and their overhead (from stores, and employees) makes it hard to cut prices to compete."


Being long something is the same as owning it (generally). Being short something is the same as selling it, with the intention (actually obligation) of buying it back in the future. Being 'short' means that you benefit when the price falls. A call is the right to buy a financial asset, most often a share, at some price agreed upon now, while the the right extends for some defined time into the future. A put is the right to sell something you already own for some price defined now but the right extends for some period into the future. A swaption is an option to enter into a swap. A swap is an agreement to trade cash-flows at defined points in the future, usually some fixed rate for some floating rate (say LIBOR+200bps). EDIT: Clarified puts.


Surely the yield should be Yield = (Rent - Costs) / Downpayment ? As you want the yield relative to your capital not to the property value. As for the opportunity cost part you could look at the risk free rate of return you could obtain, either through government bonds or bank accounts with some sort of government guarantee (not sure what practical terms are for this in Finland). The management fee is almost 30% of your rent, what does this cover? Is it possible to manage the property yourself, as this would give you a much larger cushion between rent and expenses.


Indian workers are hard to manage. I work in Japan as a consultant managing offshore development projects. The Indian companies are not doing that well here. They cannot deliver, and the Indian companies themselves are very slow to move. They are not even landing the jobs because Indian expat execs are too slow. I have noticed that they are using development centers in the US and China as well to support global contracts. The reason is that Indian workers stay on the job for little longer than 3 mos before they move onto a better position. They are only interested in status climbing because the companies are nickeling and diming them while management charges much the same as a local Japanese integrators. On the few occasions they have tried to recruit me, even though I agreed to take a salary reduction (lehman shock) and meet their conditions, they were too wishy washy made the proposal late and never hired me. Overall way too flaky.


"You get to keep the money if, and only if, you confirm with both parties (the loan and the mattress companies) that you received a refund twice, and both parties agree that they know that with no miscommunication, and they both agree to let you keep it. In writing. And even then it might be shifty depending on amounts. Generally speaking, you should not consider the money yours. It was refunded in error, after all. And it would have made more sense to confirm your communication before you deposited it, and you maybe shouldn't have moved it into savings, either - that looks kinda shifty, like keeping the money unavailable. Planning to keep it - or even just keep it ""till the shoe drops"" - looks an awful lot like fraud. As in, the crime. Taking or keeping money that doesn't belong to you, when you know it doesn't belong to you, is stealing. Since you know you got the payment in error, it is your responsibility to make at minimum a reasonable effort to make sure the money goes where it was intended to go - and by ""reasonable effort"" I mean roughly what kind of effort the companies should put in, in your view, if the error had worked out the other way with neither paying you back. At what point, if any, should they consider the money theirs, in the reversed situation? Depending on the amount involved, and the companies' attitudes, it is possible (not necessarily likely, but possible) that each company will hear your story, and respond (confirmed, in writing) that they have no problem letting you keep the payment from their company. In the companies' view, this might be about how much it would cost to recoup the amount (and is thus more likely for very small amounts), or else writing off the cost for customer service or PR. If both companies do this, you have the money free and clear. But I would not depend on this, companies have just as much reason to want money as you do - especially when belongs to them."


"The term for money owed to you by a company would be a credit balance. Consider, when an item is credited to your account, it's in your favor. Whereas, money you owe to a company may be referred to simply as a balance, or balance owing, or less frequently a debit balance. A related term balance due would be the payment you owe in the current period, i.e. not representative of the entire amount owed. I don't think the terms ""positive balance"" or ""negative balance"" are considered idiomatic in business. Rather, accounting terms like debit and credit have taken hold instead – and are often a source of confusion. But I suggest that if you have a negative balance on a credit card, it's a credit balance in your favor. Unless they mix it up."


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They're all in one place. The OCC provides: http://www.optionsclearing.com/webapps/flex-reports


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You realize that most of the money raised through the IPO process doesn't go into the company's bank account? Those shares were shares that were held by the investors and original owners and it's those prior pre-IPO shareholders that got their money back along with a tidy profit. The cash on its books was there before the IPO, and after. The IPO process was more about a change in stock owners ship than anything else. Edit - as the SEC disclosure mentioned in comments below states, the Facebook IPO raised $6.7B for facebook's use, the rest of the transaction was from the investors selling their shares. Mark Zuckerberg still owns more than 55% of shares outstanding. The $6.7B is still about 10% of the company value. Nothing to ignore, but clearly, 'most' of the money from the IPO didn't go to the company.


And who do you trust to sell you a quality product? Someone so enamored with a company they will take a pay cut just to work with it, and only it? Or someone working for respectable living, just like you, who has several alternative choices in stock.


Too expand on /u/stoneeus, mortgage rates were/are also heavily influenced by the FED QE program, which holds about $4.5T in mortgage-backed securities and treasuries on the FED's balance sheet. The FED has been holding this balance steady since it ended the QE program a couple years ago, purchasing new securities as old ones mature. However, the FED has started signalling that they are going to end these purchases and let their portfolio wind down. Once that happens, you'll start to see mortgage rates rise.


You have not specified what country you are in. That radically changes everything. In case you are in Canada, there's a great blog that covers bankruptcy and student loans, at http://student-loan-bankruptcy.ca/. Fundamentally, in order to discharge government-backed student loans, you must have ceased to be a student for at least seven years prior to filing. Even then, though, the government can object, in which case you will still have to repay some or all of the loan. More generally, given that the collection agency appears to be operating in bad faith, you'll want to ensure that they send you written documentation of any offer they are extending you. If they refuse to do this, you should assume that they aren't actually offering you anything at all and you will have to pay back the full amount plus interest and penalties. Note that, in many countries, if you settle the debt (that is, pay anything less than the full amount plus interest and penalties), this will be a black mark on your credit report. In this case, if you repaid the full $16,000 and they forgave the extra $4,000, they would most likely still add a note to your credit report indicating that you did not pay the full amount that you owed, and this will negatively impact your credit rating even beyond your late payments.


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