Can you afford to lose the $2200? If not, the answer is don't buy the stock. No one can tell you if a stock will continue to go up. But the general rule is that the more hype there is on a stock, the more likely it is that it's reached a top and is due for a downward correction soon. Also note that the more expectation there is for a company, the more negatively the market will react if the company's earnings report comes in even slightly below expectation, or if the company hints at a slowdown in the future. If that buyback doesn't happen you mentioned, expect the stock to drop a lot. Only a really positive surprise news announcement will make it continue to rise on earnings day. If you really want to buy this stock, my advice would be to learn about chart patterns and other basic technical analysis to have at least some idea of whether the stock is due for a correction soon. (If you see it grow in a hockey-stick shape upward, it probably is.)


You can use the ideas, just not the delivery method. Some patients, especially for original inventions, come with a exclusivity time limit. People like to see and experience the familiar, which is why Shakespeare's stories are being retold in both their original and modern forms. I mean, do we need yet another set of Batman movies?


"Online courses in one resource, although I've always found reading targeted books to be far more effective when it comes to business. My best advice on starting companies is learn how to think like those who have started the craziest/biggest/best companies. I've always gotten far more out of reading Steve Jobs' biography, Sam Walton's autobiography, John Rockefeller's biography ""Titan"", Warren Buffett's biography ""Snowball"", Howard Schulz's books on starbucks, etc. than just about any business course I've taken. These also far surpass your 'start a business with these steps' books. Although you do need to read some of those too. I'd encourage picking out a few business heroes and learning from them. Elon Musk is mine today. Check out his life story. For more targeted skills, such as learning accounting or management skills, amazon is pretty easy to navigate. **tl;dr: Learn to think like the greats before learning the skills you need**"


I think it's interesting that the other answers here all focus on the possibility of a software glitch or other unintentional error in the ATM behaviour. Personally, I keep ATM receipts so that if I spot a withdrawal I don't recognise, it sways it in favour of being fraud (as opposed to memory failure) if I also don't have a receipt for it. I also always withdraw the same amount and it is not one of the default amounts presented on the screen. Again, just a way to make any fraudulent transaction stand out on my statement.


Source: 20 years self-employed, 35 employees. A good lawyer is CHEAP. They will write the appropriate letters, which don't cost much, but they have teeth behind them if the client still refuses to pay. People snap to attention when a lawyer gets involved. Stay away from collection agencies. Dealing with the lawyer is quick, cheap, and efficient.


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4000 miles a year is not a few! European average is about 9000... But nevertheless... But when it comes to risk, then: 1) Nothing stops you from changing circumstances and drive 10 times as much as in previous yers. The insurance remains the same. The only thing the insurance company can do is to charge you more next year (taking the miles you've made this year as a basis for calculations)* 2) Drivers who drive very seldom are a huge risk because of their low experience. I know a few people that drive more than 100 miles only a few times a year, and on average once a year have accident during that drives. It doesn't mean that an average sunday driver have similar risk of accident as daily driver, but it's in no way similar. *) Germany/Switzerland based, the whole EU is likely to be the same


"There's something wrong with your story. The IBAN contiains two check digits, and the method used to compute them guarantees that any single digit error will be caught. So it's impossible that ""HSBC screwed up the last digit of my IBAN"" because if that were the case, the resulting IBAN would not be valid and be rejected by the computer when it was entered at your bank."


Downvotes are actually funny in this case because I am not even an American. Just goes to show you how hard liberals try to attack anything that is not anti-Trump. This attidude will surely help them in other elections. Smh


see http://www.moneysavingexpert.com/travel/cheap-travel-money if you are in the UK wishing to go on holiday outside of the uk


Normally not a fan of VIX options unless it's very short term in near term expirations for a quick trade, but this was an interesting approach... and as someone who loves shorting VIX, I think it has gotten way too low here, and the opportunity to play the other side is near.


You have asked this question but provide very little information. As others have stated, what country are you in? Was there a will or any other agreement? Basically any estate will go to the beneficiaries once all debtors have been paid off. How this is done will largely depend on which country/state/region you are in and what documentation was in place at the time of death. You might want to check out this website for details on passing away without a will: http://www.nolo.com/legal-encyclopedia/how-estate-settled-if-theres-32442.html


> You use Amazon if you use the internet. Amazon AWS controls 50% of the cloud provider market, which provides the back end and holds data for many websites, apps, and services. There's simply no avoiding feeding Amazon since they control the backend According to your own post, they control only half the backend, which means the other half is controlled by their competitors. In retail, Amazon controls ~4% of all retail sales in the US, and 40-50% of online sales, which does not look like a monopoly to me. Yes, they are currently standing out and many investors expect more growth in the future, but this will only be true if they can stay competitive in price/quality/service/etc... In every area they do business they have well-funded competitors which could start snatching up customers if they slip. Even AWS, it's not that hard to move to Microsoft's, or some other company's cloud platform if Amazon's rates get too high. The same is true for Google and Facebook, there's no service they provide that doesn't have well-funded competitors. Just because they currently lead the market doesn't mean they're a monopoly.


"anything whole life has a value (sometimes known as ""cash value""), which is the value you get if you surrender the policy to the insurance company (ie. cancel the policy). I'm not sure i'd sell another person/company a life insurance policy on myself though. Kinda creates a bad incentive problem."


Bid and ask prices of stocks change not just daily, but continuously. They are, as the names suggest, what price people are asking for to be willing to sell their stock, and how much people are bidding to be willing to buy it at that moment. Your equation is accurate in theory, but doesn't actually apply. The bid and ask prices are indicators of the value of the stock, but the only think you care about as a trader are what you actually pay and sell it for. So regardless of the bid/ask the equation is: Since you cannot buy an index directly (index, like indicator) it doesn't make sense to discuss how much people are bidding or asking for it. Like JoeTaxpayer said, you can buy (and therefore bid/ask) for ETFs and funds that attempt to track the value of the S&P 500.


I am not sure where your numbers are coming from but I don't want you to be wrong. I am only giving like as I said previous my (non pro) advice. People are coming at me like i am Warren Buffet. I know what I have done and what I believe. Obviously all my eggs are not in one basket no one ( at least I hope) is that dumb. I strongly believe that Snap Chat and Walmart are a very strong buy for long term. I also think GoPro is a very good company to earn short-middle term income on. The fact you have made 30% returns is fucking awesome and congrats you obviously doing something right. I do although feel Snap is heavily underestimated for what they are doing and what they want to do. I am will admit i am a bit out of the box on all of it but I am willing to take that risk with the amount of money I am willing to dump into to do so. I hope you keep rocking the returns you are! Make your money my friend!


Further it is known, that the top performers are often not good team players. For many jobs they are simply to ambitious to create a stable work environment with their colleagues, if those are as well very ambitious. For a good team you have one top performer who is supported by more rather average team members.


"What you linked to: *""Gang violence makes up a relatively small portion of of gun violence""* So I linked to a bureau showing that's an outright lie, but you're routinely caught doing that, hence you mostly limiting your propaganda to the 200 subsites you can ban dissenters from. This ain't one of them, propagandist."


number of shares is finite Yes it is I would assume that the repurchase numbers exceed the numbers of created shares Number of shares repurchased by company would never exceed in theory the total number of shares. It can become Zero, however its unlikely as it would run on its own and its not possible. In practise company generally repurchase a small percentage say 5% - 10% of the outstanding shares. The number of shares additional created is irrelevant. Its the total shares that is relevant. Edit: A company starts with say 100 shares, over the period it creates new shares [via various mechanisms, Rights issue, split, Additional shares, etc] say to the extent of 50. So now the company has total shares of 150. This lets say is held by 15 entities. The company can buy back say 15 shares in a year, and keep doing this, next year another 10 etc. However a company if it purchased all 150 of its own shares is unlikely as the Majority shareholders will not like this to happen and loose control. There are 2 different things, buying out of minority shareholders, typically different percentage of the shares are held by non-promoters and available for trade can range from 10% to 70% ... there are also listing norms. Quite a few stock-exchange need atleast 10% shares to be available for trade [held by non-promotors]. In case a company has a small number of shares held by non-promoters, it can buy back the shares and delist the company from the exchange.


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Generally, the paperwork realtors use is pre-written and pre-approved by the relevant State and real-estate organizations. The offers, contracts, etc etc a pretty straightforward and standard. You can ask a realtor for a small fee to arrange the documents for you (smaller than the usual 5% sellers' fee they charge, I would say 0.5% or a couple of hundreds of dollars flat fee would be enough for the work). You can try and get these forms yourself, sometimes you can buy them in the neighborhood Staples, or from various law firms and legal plans that sell standard docs. You can get a lawyer to go over it with you for almost nothing: I used the LegalZoom plan for documentation review, and it cost me $30 (business plan, individual is cheaper) to go over several purchase contracts ($30 is a monthly subscription, but you don't have to pay it for more than one month). But these are standard, so you do it once and you know how to read them all. If you have a legal plan from work, this may cover document review and preparation. Preparing a contract that is not a standard template can otherwise cost you hundreds of dollars. Title company will not do any paperwork for you except for the deed itself. They can arrange the deed and the recording, escrow and title insurance, but they will not write a contract for the parties to use. You have to come with the contract already in place, and with escrow instructions already agreed upon. Some jurisdictions require using a lawyer in a real-estate transaction. If you're in a jurisdiction (usually on a county level) that requires the transaction to go through a lawyer - then the costs will be higher.


Keep a diary, before buying write down why are you buying the stock, how long do you plan to keep it. Put down reasons when you would sell it. For example you buy a stock because it has lot of cash reserve, it is a focused company, good management. You would sell when management leaves or it starts to use its cash for acquisition that are not fitting in profile.


Wooden Vegetable Trugs & Vegtrug Wall Hugger are supplied with a pre-formed careful liner, but if for any reason yours requires substitution should it be damaged in any way, you can purchase the correct size for your planter here. Vegtrug Wall Hugger Small is made from strong black polyethylene fabric which forms a sheet. They also protect the wooden frames from the sticky compost.


The one starting for our team is an incoming senior with no internships or finance experience with the exception of their major. They are going to a small school which is one step up from a for profit university. The best job he had was working for a family flower business as a cashier. That's not to speak badly about him - he may very well be the best intern we've ever had. I think it mainly speaks to the ineptitude within our HR department who delayed recruiting so long most good candidates already had secured their internship.


Yes, it is normal. I'm single & pay 32% in North Carolina. Single men & married people ask me all the time why it's so high and it gets frustrating having to explain to average people. I assume it's because I have no kids, live alone, don't own a house, am not in school, am not self employed etc. I've been at this job for 10 years and it's been over 30% since I can remember.


"Credit card interest rates are obscene. Try to find some other kind of loan for the furnishings; if you put things on the card, try to pay them off as quickly as possible. I should say that for most people I do recommend having a credit card. Hotels, car rental agencies, and a fair number of other businesses expect to be able to guarantee your reservation by taking the card info and it is much harder to do business with them without one. It gives you a short-term emergency fund you can tap (and then immediately pay back, or as close to immediately as possible). Credit cards are one of the safer ways to pay via internet, since they have guarantees that limit your liability if they are misused, and the bank can help you ""charge back"" to a vendor who doesn't deliver as promised. And if you have the self-discipline to pay the balance due in full every month, they can be a convenient alternative to carrying a checkbook or excessive amounts of cash. But there are definitely people who haven't learned how to use this particular tool without hurting themselves. Remember that it needs to be handled with respect and appropriate caution."


"This depends on your definitions of assets and liabilities. The word ""asset"" has a fairly straight forward definition. Generally speaking, an asset in finance is something that you own/control that has economic value. The asset has value because it is generating income for you or because you expect that it will be worth something to someone in the future. ""Liability"" is tougher to define, and depends on context. In accounting, a liability is a debt or obligation that is owed. It is essentially the opposite of an asset; where an asset represents something of value that you own, increasing your balance sheet, a liability is a value that you owe, decreasing your balance sheet. In that sense, a website or domain name that you own is an asset, not a liability, because it is something you own that has some value. It is not a debt. Many people use the word ""liability"" informally to refer to a bad asset: something that is losing value or is causing more in expenses than it is generating in income. (See definition #5 on Wiktionary.) With this definition, you might consider a website or a domain name a liability if it is losing money. Alternatively, depending on your business, you might not consider it an asset or a liability, but an expense instead. An expense is a cost of doing business. For example, if your business is selling something, you might need a website to make that happen. The website isn't purchased as an investment, and it might not have any value apart from your business. It is simply a necessary expense for your business."


This is slightly opinion based. On simple math; If R+E-I is a large positive number, the cost is high and the sooner you replace the better. If the it is large negative number; wait for appliance to break down. If it is small positive or negative number it doesn't matter much. Other Factors:


Same here. If an advertiser ruins whatever I'm watching, fuck em. I ain't buying that shit. It's just boring. The same shit, on repeat, over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over 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and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over over and over and over and over and over and over and over and over... Fuck. Edit, I got excited hitting paste there. Was a bit obnoxious. Fuckin ads get me worked up.


Amazon are supply chain freakbeasts. As someone that interacts with the supply chain groups at my company on a regular basis, it is fascinating seeing how many trips a year they schedule to Amazon distribution facilities and other SC infrastructure to see the latest and greatest in the field.


With the $2000 downpayment and interest rate of 11.5% nominal compounded monthly the monthly payments would be $970.49 As you state, that is a monthly rate of 0.9583% Edit With the new information, taking the standard loan equation where Let Now setting s = 98000, with d = 990.291 solve for r


Takeoffs are never done automatically and autolands are only performed in CATIII weather conditions by pilots who have special training to perform them, and even then, only at airports with the correct equipment installed, and only with airlines which permit them. But yeah, the cruise is spent on autopilot. /melvin


Sounds more of a question for the fine people at StyleForum.net but i would suggest to start looking carefully at the quality of the fabrics: once you start studying the subject you will quickly recognize a solid shirt from a cheap one. That'll help you save money in the long term. Also keeping it simple (by choosing classic color tones and patterns) will make your wardrobe more resistant to the fashion du jour.


"I feel like you could talk this one down diplomatically, but only if you find a way to not be dismissive of the female employee. This will be difficult since your tone makes it sound like you don't seem to believe women when they tell you it's not always fair to be female in the tech industry. For instance, most women would never want to be hired for a quota or because they are attractive . That belief also undercuts women when they do get hired because they are good at their jobs. The pay gap is complicated and in part do to care giver responsibilities but that doesn't make anyone feel less salty. Anyways I suspect that if you told this female employee, ""X had their opinion but we as a company hear your point of view in this."" And affirm her experience, the issue will be withdrawn. She is afraid she is in a chauvinist culture and lashing out. I do agree that calling a disagreement sexual harassment trivializes the issue, and this personally irritates me. But you're going to get a lot of salty women if the culture of your company is to tell them you don't believe their experiences. As for firing, don't even think about it. It only ends in shelling out a lot of money to her or lawyers."


I mean lower taxes increase profit %'s right? And if you are a stakeholder in a company and that company becomes more valuable does it not increase the value of your stake in it as well? It may not equate to an increased *wage* - but I still fail to see how at the *very least* value wouldn't be increased.


He said he's using MSCI World as a benchmark. MSCI World is not an exchange. The point is the same security listed in different places has different prices, so how do you describe the equity beta of the company to MSCI World if you have multiple and different return streams? This is a real problem to consider and you just dismiss it entirely.


I think they're stuck too much into a corporate mindset and focus too hard on the enterprise. They really need to think about things at more grass roots levels. Microsoft is a confusing company though. They've done so well with the XBOX and the way they marketing that was great; i dont understand why they cant do that with their other products.


"They acquired the debt from the VZ Central Bank. Providing the Central Bank with dollars will help them control inflation. The argument against the deal is colossally stupid, and basically rests on the idea that the world community just needs to let VZ get as shitty and miserable as possible so the people will overthrow the government. Anything that eases the pain, like injecting US Dollars into the central bank, is therefore seen as ""propping up the government"""


Even without analyzing the math or doing a complete risk assesment, consider the following:


Based on your description of what you were given, then you should not need to contact DMV/DOT However if you are not comfortable with that answer then contact/visit the dealer, you can ask them how long it normally takes, and do you pick up the real plates at the dealer, DMV, or will they be mailed to you. Also call them if the temporary plates will run out in a few days, to make sure everything is good to go. One other note. If the dealer is in one state, and you live in another they can give you temporary plate for their state but may not be able to file for the real plates in your state. Once everything is finalized go online to DMV and make sure that the car registration is OK. A few years ago the dealer gave me real plates, they gave me a registration good for two years. But the info sent to DMV was corrupted: the VIN was in the system, but the description was wrong and the plates were listed as none. This was only noticed when I tried to re-register the car two years later. In fact according to DMV the plates on the car were listed as never issued. If I had ever been pulled over it would have taken hours to resolve.


I'm a programmer, and worked for a company doing natural language analysis and parsing. Yes, it is possible to figure out what reviews are more valuable than others by passsing it through an algorithm. How the heck do you think spam filters work?


"I strongly suggest you read up the Option Greeks. You can be right about a stocks price movement and still not make money b/c other factors come into play from time or volatility. For a ""free"" option hedge you can look at collars. Buying puts and selling calls to offset the debit you pay for the transaction. Ex: AAPL is 115, You buy the 110 puts and sell the 120 calls. This gives you a collar around he current price. Your hedged below 110 and can still participate in upside move to 120. Also look into time value. Time decays exponentially in the last 30 days. If you are long this hurts you, if you are short(selling) this is good. Be sure to take this into account. Delta: relation of the option to the underlying stock move on a .01-1 scale, .50 is ""normal."" Deep in the money options have higher deltas. It is possible other factors can offset this delta move. This is why people will lose money on earnings plays even though they are right. EX: Say you buy an AAPL call at 120, earnings comes out and the stock goes to 121. Even though you are ""in the money"" your contract may still have less value than what you paid because of VOLATILITY collapse. The market place knows earnings move a stock and that is factored into the price of the options expected volatility. As mentioned watch out for dividend dates. Always be aware of dividend dates and earnings dates and if your contract is going to cover one of these events. Interest rates have an effect as well but since the Fed has near 0 rates there is little impact at the present. Though this could certainly change if the fed starts raising rates. Research the Black Scholes Pricing model. Whenever you trade always think about what the other guys is thinking. Sometimes we forget their is someone else on the other side of my trade that thinks essentially the exact opposite of me. Its a zero sum game. As far as choosing strikes you can look at calculating the At THe money straddle to see if the options are ""cheap"" [stock Price * Implied Volatility (for 30, 60, 90 days Depending on your holding period)* Sq root of days to expiration] / 19 (which is sq root of days/yr) Add and subtract this number to the current stock price to give you an approximate 1 standard deviation of expected price movement. Keeping with our example. AAPL at 115, lets say your formula spits out a 6; therefore price range is expected to be 109 to 121 for the time period. Helpful for selling options, I would sell the 122 call or the 108 puts. Hope this helps. Start small and get a feel for things."


"Regardless of if the 'higher profits' are create from higher volumes and more workers, the key word there is PROFITS - not 'revenue', not 'income' or any similar word. PROFITS - a word used to describe the amount left AFTER paying expenses - such as the salaries of those additional workers (if any). The point is, the worker deserve a share of those profits. It is their work that has made them - in addition to the work of the CEO, of course, but still...the CEO could not have created 'better margins' or done 'better deployment of capital' if it were not for the efforts of those workers in the first place. This is the main problem with the economy right now. No one feels the responsibility to those who have helped them succeed. They keep using a 'slash and burn' financial strategy - slash salaries and benefits and burn up your labor force to extract every dollar you can for the top. The only problem is, now they're running out of things to slash and the workers they've burned have nothing left. And they wonder why the economy is in the crapper. I keep being reminded of a quote from Ladyhawke as said by the evil bishop: ""I raise their taxes, only to be told there's nothing left for me to tax. Imagine."""


Don't know about other places, but in Seattle the *average* cost of a house (a regular house, not a mansion) if you're lucky enough to find one that isn't being bid on by a dozen other people, is around 700k right now.


Yep, the wonderful thing about finance is the more you learn the more you start understanding the world around you. I think your question is more related to economics (deficits, surpluses and budgets) however countries can (and do) reissue new bonds to help pay off the old ones. Also keep in mind if a country has say $10trillion in debt, it isn't all due at once so maybe only $10 billion might be due per year


"One thing to consider is that road wear is largely proportional to vehicle weight to the 4 power. ""Generalized Fourth Power Law"". This leads to a result that an 18 wheeler is roughly the equivalent of 9600 cars. One consequence is that we can tax shipping weight, assuming some of it will go over road. Another option would be vehicle registration fees that are proportional to the weight of the vehicle. Yet another would be a tax on automotive battery packs (comparable to the lifetime energy output if it were gas). Keep in mind that most local road construction is funded by property taxes, not gasoline. Next time you see a cyclist, thank them for paying for the road and doing several hundred times less damage to it than your car. :)"


a) I've got a million miles on American Airlines and TSA has been barely a bother. b) I encourage you to stay away, and encourage your friends to do the same. Economics are the *only* thing will get this fixed.


The tax consequence is that if you wait until January of 2011 to invest, you won't have the option to sell as a long-term capital gain in 2011. However, this is not a huge point in practice: If your income this year was very low, but will go up in 2011, you might want to convert some or all of it into a roth ira this year. This would let you pay the tax on it at your low tax rate for this year, rather than at the likely higher rate when you retire. An investment consequence is the fact that your money is sitting there, earning a lower expected rate of return than it could be. Not knowing your situation, I can't say how aggressive your holdings will be. Taking a fairly aggressive portfolio, 9% expected yearly return, and not investing for a month, you lose about .75% on average. Not huge, but something to consider. Remember that any decision you make here isn't permanent. If your previous allocation in the 401(k) was 100% in stock funds, you could put it in something like VTI, Vanguard's total US stock market ETF.


Well.. they probably do, but their existing shipping infrastructure means they can restock very very quickly or just have a copy sent directly to you. Amazon also has access to enough data that they can probably predict demand pretty easily. Also, as the article discusses, these stores aren't overrun with customers, so its probably no much of an issue anyway.


Don't do debt. After a few years (I forget how many) the bad history will have rolled off, but by then you will probably have no desire to go back into debt again. If you do want to build up a credit score, then at that point it's essentially the same as starting from scratch. However, from personal experience, once you've lived debt free for a few years you never want to get back on the debt wheel again. A credit score is the output of a behavioral model that indicates the chances that a bank will earn money from your business. Do things that earn the banks money and you will have a high credit score.


Been following ZH (less these days) for about a decade now, and rarely do they have good stuff with even that 10% being too gracious. I would peg it at about .5-1%. The USA should have collapsed oh about 30 times now, with gold being the world currency and all our ID's being imprinted on our arms, but hey maybe this time is the charm with Trump.


"1 - in most cases, the difference between filing joint or married filing single is close to zero. When there is a difference you're better off filing joint. 2 - The way the W4 works is based on how many allowances you claim. Unfortunately, even in the day of computers, it does not allow for a simple ""well my deduction are $xxx, don't tax that money."" Each allowance is equal to one exemption, same as you get for being you, same as the wife gets, same as each kid. 3 people X $3800 = $11,400 you are telling the employer to take off the top before calculating your tax. She does this by using Circular E and is able to calculate your tax as you request. If one is in the 15% bracket, one more exemption changes the tax withheld by $570. So if you were going to owe $400 in April, one few exemption will have you overpay $170. i.e. in this 15% bracket, each exemption changes annual withholding by that $570. For most people, running the W4 numbers will get them very close, and only if they are getting back or owing over $500, will they even think of adjusting. 3 - My recently published Last Minute Tax Moves offers a number of interesting ideas to address this. The concept of grouping deductions in odd years is worth noting. 4 - I'm not sure what this means, 2 accounts each worth $5000 should grow at the same rate if invested the same. The time it makes sense to load one person's account first is if they have better matching. You say you are not sure what percent your wife's company matches. You need to change this. For both of your retirement plans you need to know every detail, exact way to maximize matching, expense ratios for the investments you choose, any other fees, etc. Knowledge is power, and all that. In What is an appropriate level of 401k fees or expenses in a typical plan? I go on to preach about how fees can wipe out any tax benefit over time. For any new investor, my first warning is always to understand what you are getting into. If you can't explain it to a friend, you shouldn't be in it. Edit - you first need to understand what choices are within the accounts. The 4% and 6% are in hindsight, right? These are not fixed returns. You should look at the choices and more heavily fund the account with the better selection. Deposit to her account at least to grab the match. As far as the longer term goals, see how the house purchase goes. Life has a way of sending you two kids and forcing you to tighten the budget. You may have other ideas in three years. (I have no P2P lending experience, by the way.) Last - many advise that separate finances are a bad path for a couple. It depends. Jane and I have separate check books, and every paycheck just keep enough to write small checks without worry, most of the money goes to the house account. Whatever works for you is what you should do. We've been happily married for most of the 17 years we've been married."


Keep in mind your household income is in the top 20%, which does not translate to wealth. Given a healthy income, and no debt, other then a small house payment, you probably have a decent amount of free cash flow. This could easily be used to buy a car on time… which a lot of people do. Congratulations on being different. Having said that, living as you do, you will likely be wealthier than your income suggests. If you invested the amount you saved on car payments for an average car you can become a muli-millionaire. Doing that alone can put you in the top 10% of the wealthiest in this nation. Keep in mind 76% of Americans live paycheck-to-paycheck, so there is a sizable portion of the population that make more than you do, yet one costly emergency can cause them to spiral into significant financial difficulty. News flash: Emergencies happen. If I am not being clear, you are living wisely! I would recommend reading The Millionaire Next Door and The Millionaire Mind. You will understand that not following the whims of advertisers is good for your bottom line and that it is good to be different from the general population. One of my favorite stories from the author is these yuppies hires the author to find them rich people to sell their products. The author gets the rich people by offering them cash, albeit a relatively small amount considering their wealth (about $200) and lunch. The yuppies complain that the guys don’t “look rich” as there are no fancy suits or Rolex watches. One of the rich guys likes the pitch so much in inquires on how he can buy the company. There are a lot of lessons in that short anecdote.


Interesting. Very unfortunate though. I guess that means you have to work your way up through the industry to start your own firm before even getting to do the cool stuff. It makes sense, of course. Heck, I've always thought if I had lots of money that's pretty much what I would do. I'm not surprised that it's already a thing people with lots of money do. Even though it makes getting into the industry much less appealing.


"With permanent contract in Germany you shouldn't have any problem getting a loan. It's even more important than how much do you earn. Generally, you should ask for a house mortgage (Baufinanzierungsdarlehen) with annuity as a type of credit to save on interest. Besides, you usually get a better conditions with a saving bank (Sparkasse) or a popular bank (Volksbank) situated in the area where your house is situated. You also shouldn't combine your credit with extra products (the simpler is the product, the better is for you), maybe I'll write later an extra piece on the common pitfalls in this regard. Probably, you could find a bank that would give you such a loan, but it would be very expensive. You should save at least 40%, because then the bank can refinance your loan cheaply and in return offer you a low interest. Taxes depend heavily on the place where you buy a house. When you buy it, you pay a tax between 3.5% and 6% (look up here). Then you pay a property tax (Grundsteuer), it depends on community how much do you pay, the leverage is called Hebesatz (here's example). Notary would cost ca. 1.5% of the house price. All and all, you should calculate with 10% A country-independent advice: if you want to save on interest in the long run, you should take an annuity loan with the shortest maturity. Pay attention to effective interest rate. Now to Germany specifics. Don't forget to ask about ""Sondertilgung"" (extra amortization) - an option to amortize additionaly. Usually, banks offer 5% Sondertilgung p.a. The interest-rate is usually fixed for 8 years (however, ask about it), this period is called Zinsbindung. It sound ridiculous, but in southern lands (Bayern, Baden-Württemberg) you usually get better conditions as in Berlin or Bremen. The gap could be as big as 0.5% p.a. of effective interest rate! In Germany they often use so-called ""anfängliche Tilgung"" (initial rate of amortizazion) as a parameter."


That mostly just means inequality is increasing though it's still better than not having a job. The most pertinent thing to notice is that the rich are creating a society which serves them without thinking about the consequences of undervaluing other peoples' potential. The economic inertia is not going towards increasing everyone's full potential as much as it goes towards increasing the luxury of the few.


We have a very mixed economy. If takeovers were all a case of a more competent organization taking over a less competent organizations then there would be no need for vetting. But that is not the case. We have companies that are monopolies thanks to their relationship with governments. They are not more efficient, better run, more visionary, or more capable. Indeed, they are often dependent on a single monopoly, in a single market. Everything else they touch turns to crap. They acquire other companies trying to stave off their own collapse. Do you want to invite companies like that come into your market and link important companies, in vital markets to that house of cards?


And a lot of people just don't read. It always throws me for a loop to visit someone's home to see not a single book in the place. But it happens all the time. And that is not a sign of someone who likes to borrow from the library or reads on a tablet. That is someone who just doesn't read.


Businessweek is a magazine. The Atlantic is a magazine. They publish articles, while Vice is an investigative news outlet. So, you're comparing apples to oranges, even if you don't understand that they're not equivalent organizations. You don't even seem understand how Vice's business works. They're not focused on ad revenue through clickbait. They're focused on content creation for lucrative media deals, which has accelerated Vice's value far faster than the other outlets you mentioned. Everything you are saying is light on analytical reason, but very heavy on definitive provocative statements. Essentially, you are replying with very low quality posting. So, I'm probably going to stop engaging you; because whether you're a troll or just heavily breathing from the mouth, I suspect that further attempts at reasonable dialogue with you is a waste of my time. Toodles.


It helps to put the numbers in terms of an asset. Say a bottle of wine costs 10 dollars, but the price rises to 20 dollars a year later. The price has risen 100%, and your dollars have lost value. Whereas your ten used to be worth 100% of the price of bottle of wine, they now are worth 50% of the risen price of a bottle of wine so they've lost around 50% of their value. Divide the old price by the new inflated price to measure proportionally how much the old price is of the new price. 10 divided by 20 is 1/2 or .50 or 50%. You can then subtract the old price from the new in proportional terms to find how much value you've lost. 1 minus 1/2 or 1.00 minus .50 or 100% minus 50%.


Emerald Floors Premier, low-rise premium homes featuring the highest design standards and quality amenities at attractive price points. Walk into your home and experience a feeling of luxury, quality and workmanship. Part of a larger master planned community of Emerald Hills, the Emerald Floors Premier is located in a thriving neighbourhood with schools and hospital nearby. It is strategically located in the emerging Suburban Business District on the Golf Course Extension Road, close to the proposed Metro corridor with easy access from Express Highway to the city. The Delhi International Airport is also just a 20 minute drive away.


If the car loan has 0% interest for 5 years, then paying off the student loan is cheaper. No matter when you pay off the car, you will pay the exact same amount (as long as its within 5 years). You could spend $20,000 right now to pay off the car loan or slowly spend $20,000 over the next 5 years. The gross amount paid for the car loan does not change. On the contrary, the longer you wait to pay off the student loans, the more you will end up paying for them. So why not get the student loans out of the way before they rack up more interest and pay the car loan over time? Update: I forgot to add, as Ben Miller said, congratulations on paying off the $40,000!


no, not rampant BofA fraud Fed pumping hundreds of billions in funny money and government pressure to make bad loans is why we had the bubble the banks are being extorted by government...because they can (plus it makes Reddit think banks are evil...and not government)


He was financially free in the 90s. Made his Cash flow game and first book while in retirement. Before the 90s his business was the surfer wallets in Hawaii. Now, it is true that this information is based off of his word, but since he is being accused of fraud, I think the accusers have the burden of proof.


"The blurb from the law site is accurate. I'm not going to say any other info from them is or isn't accurate though as I have not read their site at all. If you check the public resources from Fair Issac directly you will get similar wording to that of the law firm: Presence of adverse public records (bankruptcy, judgements, suits, liens, wage attachments, etc.), collection items, and/or delinquency (past due items) Once the items are on your report they will weigh the score down (though less over time). Also, paying the accounts off, other than a successful Pay For Delete (PFD), can have a negative impact on your score. By paying the account off you'll trigger a status change that will allow the account record to stick around for up to 7 more years (10 for medical debts). Which is why it is a better idea to let accounts fall off than it is to pay them once they are over a certain age. Be aware that paying off a collection account on which you previously missed a payment, will not remove it from your credit report. Your FICO score will still consider this information, because it reflects your past credit pattern. Source: Fair Issac: Understanding your FICO Score [PDF] Paying an account off and getting it marked ""Paid in Full"" or ""Settled"" or anything else really won't help you at all. The adverse account record drags on your score just for being there."


"Don't care... Uber is cheaper most of the times for me than Cabify, I am not a wealthy man so I can't afford the premium on Cabify just to ""support"" their better business practice. Cheaper is cheaper. If cabify can be a better buisness AND have better prices. than that is something i am willing to support."


I've read the answers and respect the thought behind them. I'd like to focus on (a) the magnitude of the emergency, and (b) the saving rate of the people affected. 3-6 months is interesting. It's enough not just to fix the car, repair the A/C, etc, but more than enough to lose one's job and recover. (Let's avoid the debate of how long it take to find a job, no amount of 'emergency savings' can solve that.) If one is spending below their means, any unexpected expense that can paid off within, say 3 months, doesn't really need to tap emergency funds (EF). And, at some level of income and retirement savings, one can more easily run a much lower EF. My own situation - I had 9mo worth of expenses saved as EF. We were living well beneath our means, and I was looking at the difference between our mortgage (6%+) vs bank interest (near 0%). I used the funds to pay down principal, refinanced to a lower rate, and at the same closing got a HELOC. The psychology of this is tough, it then appears that for simple expenses, I'd be borrowing from my HELOC. On the other hand, the choice was between a known cost, the $5K/year the money was costing by sitting there plus the lower rate by going to a non-jumbo loan at the time, vs the risk of using 3% money from the HELOC. In the end, the HELOC was never tapped for more than a small portion of its line, and I never regretted the decision. Ironically, it's the person who isn't saving much that need the EF most. If you are a saver, you need to judge how long it would take to replace the funds. I offer the above not as a recommendation, but as devil's advocate to the other excellent advice here. All cash flows are a choice, $100 going here, can't go there. I'd slip in a warning that one should capture matching 401(k) contributions, if offered, before funding the EF. And pay down any high interest debt. After that, the decision of how liquid to be is a personal choice, what worked for my wife and me may not be for everyone.


There's nothing wrong with your reasoning except that you expect the tax laws to make perfect sense. More often than not they don't. I suggest getting in touch with a professional tax preparer (preferably with a CPA or EA designation), who will be able to understand the issue, including the relevant portions of the French-US tax treaty, and explain it to you. You will probably also need to do some reporting in France, so get a professional advice from a French tax professional as well. So, in my tax return, can I say that I had no US revenue at all during this whole year? I doubt it.


"This is the best tl;dr I could make, [original](https://theconversation.com/how-an-economic-theory-helped-mire-the-united-states-in-vietnam-84403) reduced by 86%. (I'm a bot) ***** > A little-remembered aspect of the debacle is the important role played by a prominent economic historian named Walt Whitman Rostow, whose theories on economic development helped persuade Americans - and two presidents - that the fight in Vietnam was right and that we must prevail. > In 1960, Rostow, then a professor at MIT, published an influential book called &quot;The Stages of Economic Growth: A Non-Communist Manifesto.&quot; The book describes how an economy transitions through five distinct stages of development, from basic to advanced. > His &quot;Stages of Economic Growth&quot; is not widely studied in the United States these days, although some of the terms he coined, such as economic takeoff, are still used to refer to the rapid and catalyzing acceleration of economic growth. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/723eqm/how_an_economic_theory_helped_mire_the_united/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~215557 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*: **economic**^#1 **Rostow**^#2 **development**^#3 **communism**^#4 **Vietnam**^#5"


> But the good news is if they implement their policy unfairly, then they'll get slapped by the invisible hand and go broke That's completely untrue though. Companies get away with so many things and they are only given token fines. Just look at Nestle, BP, Goldman Sachs, HSBC.


"In almost all cases, gifts from employers are considered taxable compensation, based on the employer-employee nature of the relationship. Furthermore, cash gifts are always considered to be intended as wages, regardless of how you receive the money. Furthermore, regardless of whether you expect to receive anything in return (such as contractual consideration) or whether the amounts are large enough to be declared as taxable personal gifts, it is likely that the IRS would consider these payments to be ""disguised wages"", as these payments would fail several tests that the IRS uses to determine whether benefits provided by the employer are non-taxable, including: I'd recommend reviewing IRS publication 535 here, as well as publication 15-B here for more on what constitutes taxable wages & benefits. It seems very unlikely to me that you could make a persuasive legal defense in which you claimed to be working full-time for $60.00 per year and just happened to be receiving large personal gifts of $130,000.00. In my opinion it seems much more likely that these payments would be found to be taxable wages for services rendered."


"EDIT quid keenly identified the 1:7 reverse split In May 2017. In a 1:7 reverse split, your shares are worth 7 times as much per share but you have 1/7 the amount of shares. A share worth $3.78 now was worth (all else being equal) $0.54 a month ago. So a call with a $2.50 strike a month ago was well out-of-the-money, and would now be the equivalent of a call with a $17.50 strike. A $17.50 call with a $3.78 underlying (or a $2.50 call with a $0.54 underlying) would reasonably be worth only 5 cents. So I now suspect that the quote is a stale quote that existed pre-split and hasn't been adjusted by the provider. OLD ANSWER I can find no valid reason why those calls would be so cheap. The stock price has been trending down from its onset in 2000, so either no one expects it to be above $2.50 in a month or it's so illiquid that there's not any real data to evaluate the options. They did pay some massive (30%) dividends in 2010 and 2012, they've been hemorrhaging cash for the past 4 years at least, and I have found at least on ""strong sell"" rating, so there's not much to be optimistic about. NASDAQ does not list any options for the stock, so it must be an OTC trade. With an ask size of 10 you could buy calls on 1,000 shares for $0.05, so if you can afford to lose $50 and want to take a flyer you can give it a shot, but I suspect it's not a valid quote and is something that's been manufactured by the option broker."


First of all, consult an accountant who is familiar with tax laws and online businesses. While most accountants know tax laws, fewer know how to handle online income like you describe although the number is growing. Right now, since you're a minor, this complicates things a bit. That's why you'll need a tax accountant to come up with the best business structure to use. You'll need to keep your own records to estimate your quarterly taxes. At the amount you're making, you'll want to do this since you'll pay a substantial penalty at the end of the year if you don't. You can use a small business accounting software package for this or just track everything using Excel or the like. As long as taxes are paid, you won't go to jail. But you need to pay them along with any penalties by April 15, 2013. If you don't do this, then the IRS will want to have a 'discussion' with you.


That doesn't sound like valid logic. If there were sufficient roi for the automation work, it will happen sooner or later. They would hire more people, full time or consultants, to do it. Wouldn't algorithmic trading be a separate and more specialized skill set than robotic process automation?


ETFs baby. Everyone and their mom has their money in the markets/vanguard Once the markets have an inevitable correction or one of the tech companies have a corporate event that weighs down on the industry: They're going to start bleeding flows. And that will bring the returns down. Which will lead to more flows. Which will bring the returns down. Etc.. and etc... Thus cracking the market framework. Companies are highly leveraged because of the low rate environment so when debt:equity ratios start increasing - personal/institutional buyers start their flight to quality and start pulling out of small, mid caps with leverage. Small business cracks. Trump saves the day with corporate taxes! And we all burn in a North Korean fire


"that would deprive me of the rental income from the property. Yes, but you'd gain by not paying the interest on your other mortgage. So your net loss (or gain) is the rental income minus the interest you're paying on your home. From a cash flow perspective, you'd gain the difference between the rental income and your total payment. Any excess proceeds from selling the flat and paying off the mortgage could be saved and use later to buy another rental for ""retirement income"". Or just invest in a retirement account and leave it alone. Selling the flat also gets rid of any extra time spent managing the property. If you keep the flat, you'll need a mortgage of 105K to 150K plus closing costs depending on the cost of the house you buy, so your mortgage payment will increase by 25%-100%. My fist choice would be to sell the flat and buy your new house debt-free (or with a very small mortgage). You're only making 6% on it, and your mortgage payment is going to be higher since you'll need to borrow about 160k if you want to keep the flat and buy a $450K house, so you're no longer cash-flow neutral. Then start saving like mad for a different rental property, or in non-real estate retirement investments."


"Relax im not picking on you, I just think its hilarious that people actually think saying ""my college's student investment fund valued this stock"" holds any legitimacy. Also, if i was back office I wouldnt be an IB analyst would I? So your dig at me doesnt make any sense."


What if Kirtsaeng were only acting as a foreign agent of the purchaser? Seems like that would be an easy work around. Instead of selling the book, he could charge a service fee for making the purchase for someone else.


Not true. Obviously it's the end goal but right now the priority is clearly to grow the user base and make reddit more accessible. Do you think companies like Uber who absolutely haemorrhage money are thinking that profit is their top priority? No, it's about growing the user base. There's arguably more value in that these days for tech companies.


Canada doesn't tax non-residents on income earned/incurred outside of Canada. So, your sister should start with this page to determine the residency status. If she is indeed determined to be non-resident - she should look here to see her obligations. If all she earns she earns outside of Canada - her obligations will be very little, if at all. This is similar to almost any other country in the world, with the notable exception of the United States of America. US citizens are taxed regardless of their residency status, everywhere in the world on worldwide income (unless tax treaty says otherwise).


because the market price for good investment advice isn't that low. investment advice is subject to market pricing just like any other good or service. if you are good enough at investing that you seek increased volatility opportunities, you will have no trouble finding investors willing to give you a share of the upside without any of the downside risk.


"You need to talk to your bank. If you're unable to contact your bank until Monday, then wait until Monday. Don't fixate on the idea that the transaction may ""hard post"" on Monday. If it happens, it happens, but it's not the end of the world. Even if the transaction posts, it's not the end of the world. If the retailer is legit, they will refund your money, although it may take some time for things to get sorted out. Even if the transaction posts and the retailer is not legit, it's still not the end of the world. Your bank may help you in trying to recover the funds. That's why you need to talk to your bank. As you have realized, blindly calling the number in the email is not a good idea, because if it's fake, you're calling the scammers. Instead, what you should do is try to contact your bank through known trusted channels. That is, look on your bank's website. Do they have a phone number listed for fraud reporting or related inquiries? Is it the same number you see in the email? If so, you can call it. If it is not the same number, but the number on your bank's website is a 24-hour number, you can call them at that number and tell them the situation. Based on what you've described, my own guess would be that the retailer is legit, but that the unusual large transaction was flagged by your bank as potentially fraudulent, which is why you got the email. The fact that you happened to get the email just after canceling the order could be a coincidence. This is especially true if all this happened in a short time. Information about these transactions can't be transmitted and analyzed instantaneously, nor can emails be sent instantaneously; there may have been a delay in sending the email so it only arrived after the cancellation. As far as your worries about how ""enfact"" got your info, it is likely a fraud-detection service used by your bank. Doing a bit of googling reveals that it appears to be a legit service, but there have also been instances of phishing attacks using faked ""enfact"" emails. However, from what I see, these worked by trying to get you to click on a link, not call a phone number. Also, if a scammer is able to send you a scam email that includes your actual order details, that's not a phish, it's an outright hack. In that case the bank and/or retailer (whichever was hacked) would certainly want to know about it and would likely fall all over themselves trying to refund your money to avoid negative PR."


> They deprive the US of valuable income which has been earned through infrastructure, defense, education, etc It doesn't. The main reason it exists is that the US double dips on taxes. The whole point of these inversions is to deal with how the US treats foreign income. Company still pays US taxes on business done in the US: ie., using US infrastructure. That doesn't change. If the company is head quartered in the US then the US expects the company to also pay taxes on foreign income -- ie., income that can't be referenced back to US infrastructure/education/etc. The company has already paid taxes in the foreign country, but the US feels the need to double dip. This double dipping is very much a US thing. It just makes moral, fiscal, and logical sense for them to do the inversion. The US government should have no rights to overseas money. The reason the move to Canada is simply that Canada, like pretty much all capitalist countries, doesn't tax foreign revenue. You Americans really really need to look at your tax system. Speaking as a Canadian business owner who deals with US clients, it's just insane. It's easier to deal with the Chinese tax system in my experience.


> I can't imagine how some students feel when they graduate with nothing. I don't recommend it. (I graduated during the recession.) Technically, I was better off than some, because I was working at Walmart part-time during college, and they let me go full-time when I graduated. That kept me somewhat afloat for the year and a half it took to find a better job, though I did have to defer student loans for awhile. (My dad died the summer after I graduated and I was helping with my younger siblings.)


"Um Rich people invested in his company. From the article ""60 investors, and in our seed round we had six, so that gives you an idea of how many no’s you had to get to the six yes’s,” he says. For the first million."


As a CFA charter holder, I would wholeheartedly encourage you go through the process. As someone that interviews potential employees (financial services industry), I would advise you to be prepared to defend your pursuit. I often come across resumes that state, “CFA Level I candidate,” and when I do, I immediate ask related questions – and most applicants respond inadequately. Don’t do it to simply pad your resume; do you it because you are committed to the franchise.


It's worthwhile to try and find a better minimum down-payment. When I bought my home, I got an FHA loan, which drastically reduced the minimum down-payment required (I think the minimum is 3% under FHA). Be aware that any down-payment percentage under 20% means that you'll have to pay for private mortgage insurance (PMI) as part of your monthly mortgage. Here's a good definition of it. Part of the challenge you're experiencing may be that banks are only now exercising the due diligence with borrowers for mortgages that they should have been all along. I hope you're successful in finding the right payment. Getting a mortgage to reduce your spending on housing relative to rent is a wise move. In addition to fixing your monthly costs at a consistent level (unlike rent, which can rise for reasons you don't control), the mortgage interest deduction makes for a rather helpful tax benefit.


What are Pivot Points? Pivot Points indicate price levels that are of significance in technical analysis of securities. Pivot Points are used to provide clarity for a trader as they are a predictive indicator of where a security might go. There are at least 6 different types of Pivot Points (Woodie Pivot Point, Fibonacci Pivot, Demark etc..) and they are different based on their formulas but generally serve the same concept. I will be answering your question using the Camarilla Pivot Point formula. Camarilla Pivot Point Formula Generally any Pivot Point formula uses a combination of the Open, High, Low and Close of the previous timeframe. Since you are technically a swing trader indicated by say between a couple of days to a couple of weeks, as I don't want to do day trading you should use a weekly 5 to 30 minute chart but you can also use a daily chart as well. So for example if you use a daily chart, you would use the Open, High, Low and Close of the previous day. Example of fictitious stock: MOSEX (Money Stack Exchange) 01/14/16: Open: 10.25, High: 12.55, Low: 9.65, Close: 11.50 On 01/15/16: R4 Level: 13.10, R3 Level: 12.30, R2 Level: 12.03, R1 Level: 11.77, Pivot Point: 11.23, S1 Level: 11.23, S2 Level: 10.97, S3 Level: 10.70, S4 Level: 9.91 R = Resistance, S = Support How to identify these Pivot Points? Most charting software already have built in overlays that will identify the pivot points for you but you can always find and draw them yourself with an annotation tool. Since we are using the Camarilla Pivot Point formula, the important Pivot Point levels are the R4 which is considered as the Breakout Pivot, the S4 which is considered as the Breakdown Pivot. R3 and S3 are Reversal Pivot Points. Once identify the Pivot Points how should you proceed in a trade? This is the million dollar question and without spoon feeding you requires you to come up with your own strategy. To distinguish yourself from being a novice and pro trader is to have a strategy in a trade. Now I don't really have the time to look for actual charts to provide examples with but generally this is what you should look for to proceed in a trade: Potential Buy/Short Signals: Potential Sell Signals: If a stock moves above the R3 Level but then crosses below it, this would be a sell signal. This is confirmed when their is a lower lower then the candle that first crosses below it. Sell a stock when S4 Level is confirmed. See above for the confirmation. Other Useful Tips: Use the Pivot Point as your support or resistance. The Pivot Point levels can be used for your stop loss. For example, with an S3 reversal buy signal, the S4 should be used as a stop loss. Conversely, the Pivot Point levels can also be used for your target prices. For example, with an S3 reversal buy signal, you should take some profits at R3 level. You should also use a combination of other indicators to give you more information to confirm if a signal is correct. Examples of a good combination is the RSI, MACD and Moving Averages. Read that book in my comment above!!


Paying $12,000 in lump sumps annually will mean a difference of about $250 in interest vs. paying $1,000 monthly. If front-load the big payment, that saves ~$250 over paying monthly over the year. If you planned to save that money each month and pay it at the end, then it would cost you ~$250 more in mortgage interest. So that's how much money you would have to make with that saved money to offset the cost. Over the life of the loan the choice between the two equates to less than $5,000. If you pay monthly it's easy to calculate that an extra $1,000/month would reduce the loan to 17 years, 3 months. That would give you a savings of ~$400,000 at the cost of paying $207,000 extra during those 17 years. Many people would suggest that you invest the money instead because the annual growth rates of the stock market are well in excess of your 4.375% mortgage. What you decide is up to you and how conservative your investing strategy is.


I've had a few buy ins at 2-400, done nothing until it came in the news. I sold a few coins 800 before it hit 1000 the first time, I sold 20 coins at 1600 this last time (and then saw it keep going...) I planed on buying back in after it crashed but it's been holding tight so. The actual markets seem like insane bubbles with endless new ICOs. I've thus stayed away from them.


">When corporations have as much impact and power over our lives as a government should we really just let them walk over our civil rights? Maybe we shouldn't have let corporations get that much impact or power in the first place, then. Oh, but that would be anti-free market... >If I can't get a credit card because of my political ideology how am I supposed to function? You do realize that there's an entire ""unbanked"" population that can't credit cards or even bank accounts, yes? >Governments shouldn't be able to oppress and neither should corporations. Where did you fall on the whole bakery can't/can refuse to make a gay wedding cake spectrum?"


">The CTR stuff is unquestionable. Enough information has been released to demonstrate it as so. > >Regarding the ""tow the line"" or silence/ban policy in T-D, you're 100% right. I know, and thats why theyre substantively different from what happens on r/politics. Which was my point. We could be having this discussion in politics, but not t_d. >My issue is the trend on reddit that anyone who posts anything that isn't 100% vile disdain for Trump must be from /T_D and that the extremists in /T_D are some kind of outlier in how they act - when there are other significantly sized subs that behave in a similar fashion. Thats not at all the issue you originally brought up where you equated r/politics or r/t_d"


"I'm in this situation right now. I've increased my annual pay by 20% due to overtime but the extra work is killing me. I finally went to my boss and said that if they weren't going to hire more people, the least they could do is replace the deadweight employees with ones who are actually capable of doing some work. We have a lot of ""lifers"" with my company who were hired 20 years ago to do some simple task that has now been eliminated so they were shuffled into a different position that they just aren't qualified for and none of them are willing to put in the effort to update their skills. If my coworkers had to interview for the positions they currently hold, about half of them would not be hired. But since they're already here and the company is scared to fire people for being incompetent, we're stuck with them."


"Not minutes, but hours. The ""ex-dividend"" date is the deadline for acquiring a stock to receive a dividend. If you hold a stock at the beginning of this day, you will receive the dividend. So you could buy a stock right at the end of the day on the day before the ex-dividend date, and sell it the next day (on the ex-dividend date), and you would get your dividend. See this page from the SEC for more information. The problem with this strategy, however, is that the value of the stock typically drops by the same amount as the dividend on that day. If you take a look at the historical price of the stock you are interested in, you'll see this. Of course, it makes sense why: a seller knows that selling before the date results in a loss of the dividend, so they want a higher price to compensate. Likewise, a buyer on or after the date knows that the dividend is already gone, so they want to pay a lower price."


If your skills are at the level of a McDonald's cashier than you should be compensated for that. You should NOT be compensated for a lifestyle which you WANT. Having a kids and a wife is a choice, no one is putting a gun to your head. If your skills are at the minimum(which is 2% in the USA) than you should not be supporting a family, it's simple. The kid with a father/mother at that level will have a terrible life, lazy parents who are not willing to work to better themselves.


"Ah, so you are using your eminent academically-originated artistic talents to create elegant [""coffee foam art""?](http://www.google.com/search?q=coffee+foam+art) Well THAT certainly was worth all those years of study, not to mention the student loans. Unfortunately, I believe your job CAN be automated via [CNC machinery](http://www.thekitchn.com/look-latte-printer-60466), so you better polish up that resume again. (Because YES they are actually selling the machines, and [people/businesses ARE actually buying them.](http://onlatte.com/blog/2008/08/20/selected-works-at-siggraph-2008/))"


"Suggested way to make the decision to repair or buy: Figure out what it will cost to repair your car. (If necessary, pay a garage to evaluate it ""as if your daughter was interested in buying it"".) Then think about whether you would pay that much to buy a car just like yours but without those problems. If the answer is yes, fixing it us probably your most cost-effective choice, even if it is a big bill. If the answer is no, consider a used car, and again have the mechanic check it for any lurking horrors before committing to buy it. That avoids the ""proprty-line tax"" where a new car loses a significant percentage of its value the moment it leaves the dealership. An almost-toy car us virtually indistinguishable from a new car, costs much less, and realistically has about the same expected life span. I bought a new car once -- at about $300 over the dealer's real (as opposed to sticker) cost, since I was willing to take the one he was stuck with from the previous model year. (Thank you, Consumer Reports, for providing the dealer's cost info and making this a five-minute transaction.) If it hadn't suffered flood damage I'd probably still be driving it, and even so I sorta regret not pricing what it would have cost go completely replace the engine. If you really plan to drive it until it is completely unrepairable, you may be able to justify a new car... But realistically buying a one- or two-year-old car would have been a better choice."


Whenever you're not sure, you can always contact the regulatory agency in the location of the lender and see if they are registered. Organizations that lend out money tend to get oversight and have reporting obligations. Reputable banks in the United States will be a member of the FDIC. However, without even looking anything up, I can already tell this is a scam. An actual lender would be required to identify who you are beyond a doubt (this is called KYC), and in addition would have to report your loan to some sort of tax authority. That means they must ask you for a tax identifier number of some kind, and would probably want your full date of birth instead of just your age.


Here's an unconventional approach: If you really need the money you can always call the bank or go to one of their branches and get new login credentials after some kind of formal process like proving that you are in fact the account holder. Since it will be a hassle to get the credentials you will not do it if it's not necessary. In germany the banks all use transaction authentication numbers (TAN) that you need to authorize a transfer. If there is such a thing in UK you can just throw the TAN list away. This way you can still check your savings balance but you cannot transfer the money without requesting a new TAN list which takes time and effort.


I never give advice but I will now because you are getting poor advice. I run between 820 and 835 for a FICO score and have for years. I have a Discover, AMEX, VISA and MC. I have over 200,000 dollars of credit and I never EVER pay interest. I pay off the cards every month. So, does it matter how much credit you have or can you have too much? NO! Bank of America gave me 40,000 dollars credit and I don't even have an account with them except the card. Banks like people who pay their bills on time. Well, the computers at the banks do. LOL...DON'T be afraid of asking for more credit. Your score may drop for two months but that is it. Good luck with your money


"> Milano says that Hellie’s poor oversight of the remodeling job caused costs to spiral. She ended up spending $5 million, though the home is worth no more than $3 million. This sounds like lack of oversight on Milano's part. Who gives their so-called ""business manager"" handle your home improvement project? Why can't you go to an architecture & construction company yourself? How hard is that?"


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">Yes, they are. Ridesharing is just a term for Unmarked taxi booked through app. No.. Ride sharing is when you share a lift with someone, traditionally it's when someone is going somewhere and they offer space to others too (And that's quite popular where it exists). Uber is a minicab company in that you book a vehicle and it take you somewhere, in the UK at least, it's regulated and licensed in the same way (as opposed to black cabs which are licensed and regulated differently and can be flagged down). >I have no issue with that, since ""Government regulated taxi"" is so awful in almost every city on earth, that ridesharing has improved safety and convenience. That may be true in parts of the US and some other places, but it's really not the case in 'almost every city on earth'. I've lived in quite a few and visited many others and frankly Uber is at best on a par with taxi services, especially given that having an app to book is no longer unusual, where it does better is in places where regulation is essentially a protectionist mess (which is more an exception than the norm)."


"In financial theory, there is no reason for a difference in investor return to exist between dividend paying and non-dividend paying stocks, except for tax consequences. This is because in theory, a company can either pay dividends to investors [who can reinvest the funds themselves], or reinvest its capital and earn the same return on that reinvestment [and the shareholder still has the choice to sell a fraction of their holdings, if they prefer to have cash]. That theory may not match reality, because often companies pay or don't pay dividends based on their stage of life. For example, early-stage mining companies often have no free cashflow to pay dividends [they are capital intensive until the mines are operational]. On the other side, longstanding companies may have no projects left that would be a good fit for further investment, and so they pay out dividends instead, effectively allowing the shareholder to decide where to reinvest the money. Therefore, saying ""dividend paying""/""growth stock"" can be a proxy for talking about the stage of life + risk and return of a company. Saying dividend paying implies ""long-standing blue chip company with relatively low capital requirements and a stable business"". Likewise ""growth stocks"" [/ non-dividend paying] implies ""new startup company that still needs capital and thus is somewhat unproven, with a chance for good return to match the higher risk"". So in theory, dividend payment policy makes no difference. In practice, it makes a difference for two reasons: (1) You will most likely be taxed differently on selling stock vs receiving dividends [Which one is better for you is a specific question relying on your jurisdiction, your current income, and things like what type of stock / how long you hold it]. For example in Canada, if you earn ~ < $40k, your dividends are very likely to have a preferential tax treatment to selling shares for capital gains [but your province and specific other numbers would influence this]. In the United States, I believe capital gains are usually preferential as long as you hold the shares for a long time [but I am not 100% on this without looking it up]. (2) Dividend policy implies differences in the stage of life / risk level of a stock. This implication is not guaranteed, so be sure you are using other considerations to determine whether this is the case. Therefore which dividend policy suits you better depends on your tax position and your risk tolerance."


The answer is that other than a small number of applications (the approx. 10% of gold production that goes to 'industrial uses') gold does not have intrinsic value beyond being pretty and rare (and useful for making jewelry.) There are a number of 'industrial' applications and uses for gold (see other answers for a list) but the volume consumed this way is fairly small, especially relative to the capacity to mine new gold and reclaim existing gold. If you removed investment, and jewelry usage (especially culturally driven jewelry usage) then there's no way the remaining uses for industry and dentistry could sustain the price levels we currently see for gold. Furthermore, and perhaps more importantly, the best data I can find for this shows the total number of tons consumed for industrial uses has been shrinking for several years now, and that was prior to recent price increases, so it is difficult to tie that reduced demand to increasing prices. And one might postulate in a 'collapsed society' you seem to be referring to in your question, that a lot of the recent industrial demand (e.g. the '50 cents of gold in each cellphone') could quite possibly disappear entirely. The argument many people use for gold having value is usually 'been used as money for thousands of years'. But this confuses gold having a value of its own with the reasons why something makes a useful currency. Gold has a large number of characteristics that make it an ideal currency, and of all the elements available it is perhaps the best physical element to serve as a currency. BUT just as with a dollar bill, just because it is a good currency, does NOT give it an intrinsic value. Any currency is only worth what someone will trade you for it. The value is set by the economy etc., not the medium used as a currency. So yes, people will probably always use gold as money, but that doesn't make the money worth anything, it's just a medium of exchange. Incidentally two other things should be noted. The first is that you have a problem when the medium itself used for a currency becomes worth more than the face value. Hence why we stopped using silver in coins, and there were concerns over pennies due to the price of copper. This leads to the second point, which is that currently, gold is TOO RARE to suffice as a world currency, hence why all countries went off the gold standard years ago. The size of national and global economies was growing faster than the supply of gold, and hence it was becoming impossible to have enough gold to back all the currencies (inflation concerns aside).


All I am saying is that I would pay $.50 in order to not deal with automated check out. I'm sure that once we reach the point of automated check out that there will not be a checkout, like the Amazon convenience store.


>the company said these guys didn't know about the breach yeah... thats a little hard to believe but this is all in the name of plausible deniability so I cant blame them. I dont think a single person buys that these guys all just decided to sell stock at the same time right before a story hits that will tank the value of the company


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Grampa wiggly your such a silly faggot. Always hopeing that someone is in highschool. >Worthy only of mockery, you shall e laughed at for the next 2 seconds. nice to see you still think this is funny, cute, hurts, or what ever the fuck you think it is.


"As @BrenBarn points out, when people say ""they like having a mortgage because they get the benefit of writing off the interest"" they typically mean as opposed to renting. You can deduct interest and real estate (property) tax payments, as well as some closing costs in the year you purchase the home. You are also building equity (instead of helping your landlord build his or her equity). Take for example a single person paying $1,000/month to rent an apartment. This is not deductible. He has $1,800 a year in other expenditures that would otherwise be deductible (charitable contributions, etc.), but he doesn't itemize because it isn't more than the $6,100 standard deduction, so it doesn't matter. He takes out a mortgage for $150,000 at 6% over a 30-year term to buy a similarly-appointed home. His new mortgage payment is about $900/month, plus he puts $100/month into an escrow account for property taxes, roughly totaling his former rent payment. Over the first full year, he pays about $9,000 in deductible mortgage interest and $1,200 in deductible real estate taxes. And because he is now itemizing, he can also write off the aforementioned $1,800. At a top marginal tax rate of 25%, he shaved nearly $1,500 (.25 * (9000 + 1200 + 1800 - 6100)) off his federal income tax bill -- with the same living expenses! This is a simple example with some arbitrary numbers to prove the point, and there are a lot of other pros and cons to buying vs. renting. But again, this is probably what they mean when you hear this. Others have covered the overpaying angle, and there are a bunch of other Money.SE posts on the same or similar subjects."


Use a currency ETF. there are many. Specific to your question there is WisdomTree Dreyfus Brazilian Real Fund (BZF) I don't happen to find a currency ETF for Thailand, so the closest you could come to a Thai currency fund would be something that's an Index fund ETF that is based on an index in the Thai Market such as: MSCI Thailand Investable Market Index Fund Because that fund is investing in an index of stocks that trade on the Thai market, you are in effect investing in something denominated in Baht. This is spelled out in the prospectus where it discusses 'currency risk'. The problem is that you are however not investing in just the currency, but rather a broad index of stocks denominated in that currency. Still to the extent the market holds fairly steady, you get much the same effect of investing in just the currency. to the extent the market is moving, you get the net effect of what the thai market does, plus how the bhat trades relative to the dollar.


Thousands of public servants ride 24+ hours in C130 cargo holds and get off and perform top notch combat and/or humanitarian work for days or weeks on end. I have no pity for the overpaid bureaucrat flying coach for 2 hours. They're unqualified for the job if a flight in coach stresses them out and causes them to under or not perform.


I think it's a bit dependent upon the individual locations. The ones near where I live, for example, are absolutely atrocious, with some being obscenely greasy or salty, others having little more than mush. The one near where I work, however, is pretty decent, and the burgers usually aren't disgustingly greasy and the fries aren't over-salted. It's the exact opposite for Burger King, though: The one near where I work is so bad I've simply stopped going there, but the one near where I live is pretty decent (the salads, especially, are a key issue for me: near where I work, most of the lettuce is wilted, but near where I live, it's usually crisp).


"Start by going to Salary.com and figuring out what the range is for your location (could be quite wide). Then also look at job postings in your area and see if any of them mention remuneration (gov't jobs tend to do this). If possible go and ask other people in your field what they think the expected range of salary should be. Take all that data and create a range for your position. Then try and place yourself in that range based on your experience and skill set. Be honest. Compare that with your own pay. If your figures indicate you should be making significantly more, schedule a meeting with your boss (or wait for a yearly review if it's relatively soon) and lay out your findings. They can say: Be ready for curve balls like benefits, work environment and other ""intangibles"". If they say no and you still think your compensation is unfair, it's time to polish up your CV. The easiest way to get a job is to already have one."


You're assuming options traded on the open market. To close open positions, a seller buys them back on the open market. If there's little on offer, this will drive the price up.


What is the corporate structure? Your partnership agreement or LLC operating agreement should dictate how you approach this.


Can't say I agree when we're talking about a minimum wage job. I sold a business this year and I'm fairly successful, but I did work some crap jobs in my younger days. For me personally, it was not at all worth the effort of going all out for $5.xx an hour (at the time) and I'm completely ok that I didn't. I tended to look at the few people who did put in their all with suspicion and I also think those people probably had low ceilings in life - way too satisfied with being worker bees.


Definitely see your point. One of my customers started as an owner/operator of a frozen yogurt shop that became popular, and now he has three. He says he works less hours now but his stress level is *higher* because he employs young people. (He actually has a low turnover because he pays well). Still, some people graduate high school not knowing you have to wash your hands after handling money, and chocolate toppings on the floor need to be cleaned up before bugs are attracted. He said he spends a ton of time explaining things that 18-22 year olds should already know. He told me if he had it to do over he would have just kept the one store and ran it himself. The point im making is that some people would prefer to keep it simple. The only reason im expanding is I think there is room to bring in my good friend as a partner. Ill end up making less money for a while and maybe equalizing in the long run but the business will be able to stay open five days a week even if one of us is gone. Ill be trading income for time without disrupting my customers.


They won't survive. If it looks like they will, the right wing will pass more laws that only aim to bankrupt the postal service. They'll keep hammering until it's dead, hand it over to some ridiculously inefficient monopoly, and then hold it up as an example of how awful government run servhices are. And in a decade or so it'll cost a dollar to send a letter, you'll have to go to the past office to pick up your mail because there's no money in service to your door, and service will take weeks. Another decade, probably less, and the postal service will be a distant memory, and your only option for physical goods will be FedEx or ... well, nothing, because by then FedEx will have a monopoly. And it'll cost two dollars to send a letter, you'll have to pick it up wherever they decide to send it, and if you don't like it, too bad! Because there will be laws in place making it impossible to start up a competitor. They'll make billions, delivering worse service for higher prices, and all we'll ever hear about is how awful it was when the government ran the show and incompetently bankrupted the agency.


"I think you have succumbed to a category error. The rational course forward is to classify all property as either his, hers, or family's. Each contributes a portion of wages to the family. Each logs hours spent performing familial duties and is ""paid"" in virtual dollars into their family account at market rates for that service. At any point actual plus virtual dollars are summed to assess the value of the family and percentages are allocated to each party on this basis. Put this into a pre-nuptual agreement. At the time of the inevitable divorce you leave with yours, she leaves with hers, family's assets are divided as described, and division of children should be as King Solomon suggested. Or you could do what I did: Put all your property (and debts) into one pot. Make sure each partner can competently manage bookkeeping and investments. Accumulate a family net worth sufficient to divide in two and each have financial independence. (I'm working on this last step.)"


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"There are a number of bona fide reasons to consider here. If there is a cost to discharging a security packet, or a mortgage, it may not be convenient if we are advanced in the repayment schedule. Early exit fees may apply, or the interest may be ""pre-determined"". As a rule of thumb, when we are talking about rates above 10% p.a. then arrangements should be short (bridging finance - keep it short and charge 'em heaps), and for personal arrangements, small."