China does not use dollar for their largest oil buy, Russia, Iran. They also have yuan swap agreement with their large trading partners like Korea, japan, EU. Basically, the only trade that will be critically affected will be north america and latin america. China's critical trade in Eurasia are all in non dollar already. China has built, its own international payment system, central bank swap agreements, SWIFT alternative, largest commodity market, and various free trade agreements and zones. 20% of US import is chinese goods, mainly consumer product and electrical machines. So that will be interesting. https://en.wikipedia.org/wiki/List_of_the_largest_trading_partners_of_China


These are for Jane Street Capital. JSC is considered to be one of the top quant marker makers on the street with a majority of their traders having phds. I honestly would not study with these. On this site, they are all from the first or second round of interviews. JSC conducts 4 rounds on phone and one in person. While they are intellectually stimulating, if you have any shot of getting a job there, all the questions you'll find you should already be able to solve.


What makes it hard is that you're making this decision now, when you've already made decisions over the years going in a different route. I've noticed this recently w/some of my friends, that decisions, even small ones, over the years now come back to bite them b/c they didn't have a long term view. Now in early 30's they are constrained by choices throughout their 20's. Unfortunately, most people aren't equipped to make good decisions earlier, which hurts them later. So making such a change in lifestyle becomes harder. So while it can be done, it's going to take some hard decisions. Just remember, children are a great reward, and a great sacrifice.


No, it's not extremely profitable, not even close. There are so many better investments you could make with better ROI. The reason people pay that much is because they are an asset that can resold, inherited, or used as collateral for a loan.


Assuming this to be in the UK, and I suspect the rules are similar elsewhere, this indeed may be true. There is a threshold beneath which a business does not have to register for VAT - currently a turnover of £81,000. A non VAT registered business does not charge VAT but also cannot reclaim the VAT on their business expenses. For some businesses below the threshold it is worthwhile registering because the amount they can reclaim is significant. However, there are also many small businesses that do a lot of cash only jobs so as to not put the money through the books and therefore avoid any tax liability. There are also many who will get the the customer to buy materials direct to avoid including these in their turnover. Like every type of tax rule there is a grey area between people trying to avoid paying more tax than is needed and dodgy deals to avoid paying their fair share of tax.


"Do you have the claim ticket? I'll assume yes. Do a Google search for ""Dry Cleaner Regulations for [state you live in]"" and see if there is a regulatory agency because some states have them, although that might just be for environmental concerns. Worth a shot to call one and ask if they handle customer complaints. Otherwise, the goal is to have them either find your pants or compensate you for the loss. I'd try one last time on the phone or in person. If that fails: Send them a nastygram in the mail demanding $160 by x date or you will pursue ""further actions"". Keep the letter short and sweet. You can use Google to find example demand letters. After they ignore the letter, file in small claims court. It will cost you ~$50 in filing fees which will be included in the judgement if you win. Go to court, explain why you feel they owe you $160. Bring the claim ticket, the matching suit jacket, and proof that replacing it will cost $160. Step 4: win! Or if that sounds like too much work, you can just write a nasty review on Yelp. You won't get your pants back but it'll feel good. I'd avoid the complaining to the BBB because they have no teeth and the dry cleaner is not obligated to respond to a BBB complaint. Standing right outside their door handing out pamphlets might be a bad idea since it's likely private property and they'll make you leave. But you could always do the labor union thing and hold a ""shame on the drycleaners for losing my pants!"" sign out by the street or entrance to the parking lot. (That seems like a lot of effort, although it'll look great on your Facebook feed!)"


I am a CFA Charterholder. Sitting for the exams was a great foot in the door for me to the world of investment research. Today, it is the lasting educational experience and development of mental frameworks on how to conduct financial analysis that help me in the field. There are three exams in the CFA Program; moreover, to earn the CFA Charter, you need four years of financial industry work experience. I found Level II to be the hardest, and Level I the easiest. Having the CFA Charter or simply stating you are a CFA Candidate sitting for a future exam goes a long way in your career early on. It is a great signaling mechanism for prospective employers as it shows you are committed and willing to put in hours to go above and beyond. The body of knowledge you learn in the program will tremendously help you in your career as it will teach you the language of finance. Overall, **it is a rigorous self-study program.** I can not stress the last sentence enough. You will need to be self-disciplined about doing the required reading, and preparing for the exam. [Exam pass rates are ~50%.](https://encrypted.google.com/search?{google:acceptedSuggestion}{google:originalQueryForSuggestions}sourceid=chrome&ie=UTF-8&q=cfa+exam+success+rates). Again, the exam is not hard per-se, you just have to sit down and study. [This man's blog was fun to read while I was studying.](http://luminouslogic.com/path-to-the-cfa) Happy to answer anymore questions. Edit: Most financial industry employers will pay for the cost of the exams and study materials.


Not surprising. There was a reason it went out of business in 2013. Back when it was going out of business the first time my three kids had asked to try a twinkie, so my wife went out and bought a box for them. I am now the proud owner of a box full of twinkies minus three.


I assume you are referring to the emoluments clause (Article I, Section 9, Clause 8 of the United States Constitution) That clause has never been applied to any president. Even Washington and Jefferson enriched themselves off their personal businesses. They even traded and received payments from foreign nations. You can run a business as long as you charge a fair rate. You cannot however accept gifts or titles.


That sounds interesting.. As I was looking through some articles on [wealth management](http://www.millionairemindevents.com/) the same question came into my mind. Where did money originated. It would be interesting to read some books about it. Thanks for the suggestion.


Morally it is stealing. Legality is another issue. It's really no different then some of the other BS businesses do to people every day: exploit a loophole in order to take advantage of other person (yes, target is legally a person).


"The passwords that the hackers already cracked were changed to have all zeros for the first 5 characters. So recheck using only characters 6 and onwards. The list is also unique so the password hash for ""password"" doesnt show up a million times in the list, which explains why the list is relatively short. They claim that they are still actively dumping the database, so you might want to change your password again once Linkedin gets a hold on things."


I used to get the same shit working in telesales. Unlike my comrades, my team leader or the office manager I knew our product from the wheels up which means when I bumped in to a customer who knew their stuff we would talk properly. One particular call a guy made it quite clear he didn't want anything early on so I asked him what he was using and it was an unbelievably obscure model with an even more obscure fork attachment so knowing the details I made a flippant comment about the wheelbase and the turning circle and he responded which lead to a LONG drawn out conversation. I eventually arranged a meeting with one of our sales reps which lead to a sale all because we talked properly. Nobody there could have nailed the call like I did but what thanks did I get? My first strike because of the length of the call :)


Yeah, lots of value in companies is much less tangible than it used to be. But then i think we put too much faith in tangible value. EG a coal mining company my buddy invested in cos it had so much tangible value; had precisely zero tangible value when it collapsed tho


I used to work at General Motors Holden (GM Australia) and we often had American directors come through. I remember one of the American directors going on a holiday and being completely flabbergasted that no one contacted him during his entire trip, his phone would have been ringing off the hook back in the US.


1.If the compensation that I receive is over 10 lakhs, how much would be deducted as tax No tax will be deducted by the company. You have to calculate the tax and pay in Advance by yourself. There are quite a few Banks that give you online facility to pay your tax. There is no service tax. Otherwise the tax slabs are right. The current budget has slightly revised the tax brackets. 2.So are these the right taxes and % that Need to be paid? If not do let me know the correct deductions. Yes. Revised brackets for financial year 2014-2015 are NIL for first 2.5 lakhs. Other brackets are unchanged. 4.What others legal options I have to decrease the tax liability? As an employee of my ex company I had once taken an FD (that reduced my tax) The options are same as salaried, i.e. you can claim exemption under 80C or on interest of housing loan, etc. As a consultant certain expenses can also be deducted. You should also talk to a CA who can help you with this as there will be some paperwork involved.


"With no match, the traditional 401(k) for someone otherwise in the 15% bracket makes little sense. I'd suggest contributing just enough if you were in the 25% bracket to be in the taxable 15% but no more. Use a Roth IRA if you are saving more than that. I'm adding this based on OP's statement that the fees on the 401(k) range .8-1.4%. I wrote an article Are you 401(k)o’ed? in which I discuss how fees of this range negate the benefit of the mantra ""save at 25% to withdraw at 15%"" and if one were in the 15% bracket to start, this level off fee will cost you money in no time at all. The people advising you to max out the 401(k) first, given the rest of your situation and that of the account, are misguided. I'd given them the benefit of the doubt and assume they don't have all the details. And with all due respect to the other posters here, everyone of them a bright, valued colleague, your answers should be addressed to the OP's exact situation. 15% bracket, no match, high fees. I suspect some of answers will change on reviewing this."


Of course its possible. Under what terms and with what fees depends on your bank/country regulations, but generally speaking - loaning is the major source of income for banks, especially short-term account overdrafts (which is essentially a loan, usually at a high rate). In the US you can (now, since the new regulations kicked in) instruct the bank not to pay checks/decline debit card purchases if you don't have sufficient funds on the account. Otherwise you can instruct them to pay (at their discretion) to avoid bouncing checks, and accept NSF fees (usually pretty high). Some banks provide overdraft lines of credit (then you won't have NSF fees, and will just pay interest when tapping into that line), others provide option to automatically withdraw the missing amount from a linked account (checking or credit card).


A sober home will not fetch you big amount but it is in demand as many people look for a sober half way home for themselves or the older generation. Target local DA’s office if you want to go ahead with sober half way home, this will generate $750 per month for a 4 bhk to start a half way home.


I've read online that 20% is a reasonable amount to pay for a car each month - Don't believe everything you read on the internet. But, let me ask, does your current car have zero expense? No fuel, no oil change, no repairs, no insurance? If the 20% is true, you are already spending a good chunk of it each month. My car just celebrated her 8th birthday. And at 125,000 miles, needed $3000 worth of maintenance repairs. The issue isn't with buying the expensive car, you can buy whatever you can afford, that's a personal preference. It's how you propose to budget for it that seems to be bad math. Other members here have already pointed out that this financial decision might not be so wise.


Are mortgages always sold for less than the remaining principal? No, they're almost always sold for more than that. The buyer will take a loss if the homeowner pays off the loan immediately, but that's very unlikely. The buyer is hoping that the owner will payoff the loan as scheduled and they'll make a tidy profit from the interest charged. The originator now makes their profit immediately and has their capital back so they can make more loans.


Ticketfly is the processor for my local place, they book big acts and they are the defacto closest place to go enjoy music. However, a good example would be the time I was purchasing tickets and the tickets were $20 a piece. Two tickets and the service charge was $23 for both. I was paying more for the service charge than what I was paying for hours of entertainment by professional musicians. Now this could just be the douche bag venue pulling this and they are hiding behind the Ticketfly name, that I don't know, just that Ticketmaster does the same shit so why not them to?


"In Italy (even with taxes that are more than 50% on income) owning garages is generally a good business, as you said: ""making money while you sleep"", because of no maintainance. Moreover garages made by real concrete (and not wood like in US) are still new after 50 years, you just repaint them once every 20 years and you change the metal door gate once every 30 years. After 20 years you can be sure the price of the garage will be higher than what you paied it (at least for the effect of the inflation, after 20 years concrete and labour work will cost more than today). The only important thing before buying it is to make sure it is in an area where people are eager to rent it. This is very common in Italian cities' downtown because they were built in dark ages when cars did not exists, hence there are really few available parkings."


Once upon a time, money rolled over from a 401k or 403b plan into an IRA could not be rolled into another 401k or 403b unless the IRA account was properly titled as a Rollover IRA (instead of Traditional IRA - Roth IRAs were still in the future) and the money kept separate (not commingled) with contributions to Traditional IRAs. Much of that has fallen by the way side as the rules have become more relaxed. Also the desire to roll over money into a 401k plan at one's new job has decreased too -- far too many employer-sponsored retirement plans have large management fees and the investments are rarely the best available: one can generally do better keeping ex-401k money outside a new 401k, though of course new contributions from salary earned at the new employer perforce must be put into the employer's 401k. While consolidating one's IRA accounts at one brokerage or one fund family certainly saves on the paperwork, it is worth keeping in mind that putting all one's eggs in one basket might not be the best idea, especially for those concerned that an employee might, like Matilda, take me money and run Venezuela. Another issue is that while one may have diversified investments at the brokerage or fund family, the entire IRA must have the same set of beneficiaries: one cannot leave the money invested in GM stock (or Fund A) to one person and the money invested in Ford stock (or Fund B) to another if one so desires. Thinking far ahead into the future, if one is interested in making charitable bequests, it is the best strategy tax-wise to make these bequests from tax-deferred monies rather than from post-tax money. Since IRAs pass outside the will, one can keep separate IRA accounts with different companies, with, say, the Vanguard IRA having primary beneficiary United Way and the Fidelity IRA having primary beneficiary the American Cancer Society, etc. to achieve the appropriate charitable bequests.


Whether it's wise or not depends on what you think and what you should consider are the risks both ways. What are the risks? For Let's say that the company produces great value and its current price and initial price are well below what it's worth. By investing some of your money in the company, you can take advantage of this value and capitalize off of it if the market recognizes this value too, or when the market does (if it's a successful company it will be a matter of when). Other reasons to be for it are that the tech industry is considered a solid industry and a lot of money is flowing into it. Therefore, if this assumption is correct, you may assume that your job is safe even if your investment doesn't pay off (meaning, you don't lose income, but your investment may not be a great move). Against Let's say that you dump a lot of money into your company and invest in the stock. You're being paid by the company, you're taking some of that money and investing it in the company, meaning that, depending on how much you make outside the company, you are increasing your risk of loss if something negative happens to the company (ie: it fails). Other reasons to be against it are just the opposite as above: due to the NSA, some analysts (like Mish, ZeroHedge, and others) think that the world will cut back on doing IT business with the United States, thus the tech industry will take a major hit over the next decade. In addition to that, Jesse Colombo (@TheBubbleBubble) on Twitter is predicting that there's another tech bubble and it will make a mess when it pops (to be fair to Colombo, he was one of analysts who predicted the housing bubble and his predictions on trading are often right). Finally, there is a risk of lost money and there is also a risk of lost opportunity. Looking at your past investments, which generally hurt more? That might give you a clue what to do.


You could use the money to buy a couple of other (smaller) properties. Part of the rent of these properties would be used to cover the mortgage and the rest is income.


I wanna wait a couple years and see how Seattle's $15 min wage experiment plays out before I listen to this guy. My hunch is that long term it isn't going to look pretty, lots of automated fast food and unemployed low skilled people.


Paying off the debt is low-risk, low-reward. You're effectively guaranteed a 4% return. If you buy a mutual fund, you're going to have to take some risk to have a decent chance of getting better than 4% and change return in the long run, which probably means a fund that invests primarily in stocks. Buying a stock mutual fund is high-risk, high reward, especially when you're in significant debt. On the other hand, 4% and change is very low-interest. If you wanted to buy stocks on margin, financing stock investments directly with debt, you'd pay a heck of a lot more. Bottom line: It comes down to your personal risk tolerance.


"Technically, this is considered ""income"" for you, and is actually not considered a ""donation"" for your donors, but is instead a ""gift"" (not tax-deductible for your donors). So, you are technically required to report it, and there is a pretty significant audit trail that can be followed to prove you made that money. I don't know if PayPal is required to file 1099s for payments received, but if you've ever received such a document, so has the IRS, and they'll match it to the income you claimed and see a discrepancy, triggering an audit. Depending on the amount that it affects your taxes (it can be significant; if you have a $50k/yr day job, you'd owe the government 25 cents on every dollar donated), they can let it slide, they may simply dock your next return, or they may come after you for interest and penalties or even charge you with criminal tax fraud if they could prove you maliciously attempted to conceal this revenue. Now, if you already itemize using a Schedule A, then you can erase this income by deducting the costs of the server, not to exceed the amount of the donations. The best you can do is offset it; you cannot use this deduction to reduce taxable income from other sources. Also, you must itemize; you can't take your standard deduction, and with a maximum possible deduction of the actual costs of running the server ($1500, IF you receive enough donations to fully pay for it) compared to one person's standard deduction ($5800), you'll want to take the standard deduction if you don't have other significant deductions (medical expenses, mortgage interest/property taxes, etc). If you were charging users a monthly fee for use of the server, then you've basically created a de facto sole proprietorship, and you would still have to count the fees as income, but could then deduct the full cost of running the server. You'd fill out a Schedule C listing the revenue and expenses, and back them up with statements from your ISP/hosting company and from PayPal. Now, this would apply if you were running the server with the primary goal of making a regular profit; Schedule C cannot be used for income from a ""hobby"", undertaken primarily for enjoyment and where a few bucks in revenue is gravy. Whether you think you can get away with that in your current situation is your prerogative; I don't think you would, given that the donations are solicited and optional, and thus there is no expectation of ever turning a profit on this game server."


No matter you book a young model or a pretty adult one, the escorts are always the professional girls who are sure to turn every head to you due to the jealousy you cause since the people can’t bear the beauty you have at your side and not beside them. Their beautiful body, hypnotizing eyes and appealing dressing sense can catch anyone’s attention at a spur of the moment. Due to having the captivating attraction beside you, you will also be the center of attraction of the crowd.


I often spend weeks or months (and sometimes even years) deciding whether to buy something. Certainly the dealer should recognize you by now if you take a third opportunity to look at the same instrument. You could politely remind him that you've twice declined his excellent prices. From there you can assert that you will purchase only when you are ready.


"mcnultysbluecavalier, I just made this account and broke my lurking reddit virginity to give you these upvotes. I'm also an undergrad and in a similar position as Wegener. I graduated this April and have been trying hard to break the industry. However, I've been slowly slipping into given up these past month, but not admitting it: Procrastination, Frustration, and loosing confidence. After reading your comments, it really woke me up. Seriously. ""find that fucking dog"" for some reason hit a chord and I now I cant wait to wake up tomorrow and give it all I got. So just want to say thanks bro and here's an upvote. PS. Check out my new desktop Background: http://imgur.com/zxOoq"


As well as the visual impact - employees don't see the money disappearing directly from their paycheck so don't feel as heavily taxed - there's usually one practical difference, at least in the UK. Employers are generally prohibited in law from explicitly passing the tax onto their employees. Of course the presence of the tax will affect how much they are willing to pay, especially over the long-term and when deciding on pay rises. But if there's a sudden increase in the tax rate, that will fall on employers immediately, they wouldn't be able to reduce their employees' pay directly.


"You say your primary goal is to clean up your credit report, and you're willing to spend some cash to do it. OK. But beware: the law in this area is a funhouse mirror, everything works upside down and backwards. To start, let's be clear: Credit reports are not extortion to force you into paying. They are a historical record of your creditworthiness, and almost impossible to fix without altering history. Paying on this debt will affirm the old data was correct, and glue it to your report. Here's how credit reporting works for R-9 (sent to collections) amounts. The data is on your credit report for 7 years. The danger is in this clock being restarted. What will not restart the clock? Ignoring the debt, talking casusally to collectors, and the debt being sold from one collector to another. What will restart the clock? Acknowledging the debt formally, court judgment, paying the debt, or paying on the debt (obviously, paying acknowledges the debt.) Crazy! You could have a debt that's over 7 years old, pay it because you're a decent person, and BOOM! Clock restarts and 7 more years of bad luck. Even worse-- if they write-off or forgive any part of the debt, that's income and you'll need to pay income tax on it. Ugh! Like I say, the only way to remove a bad mark is to alter history. Simple fact: The collector doesn't care about your bad credit mark; he wants money. And it costs a lot of money, time and/or stress for both of you to demand they research it, negotiate, play phone-tag, and ultimately go to court. So this works very well (this is just the guts, you have to add all the who, what, where, signature block, formalities etc.): 1 Company and Customer absolutely disagree as to whether Customer owes Company this debt: (explicitly named debt with numbers and amount) 2 But Company and Customer both eagerly agree that the expense, time, and stress of research, negotiation, and litigation is burdensome for both of us. We both strongly desire a quick, final and no-fault solution. Therefore: 3 Parties agree Customer shall pay Company (acceptable fraction here). Payment within 30 days. To be acknowledged in writing by Company. 4 This shall be absolute and final resolution. 5 NO-FAULT. Parties agree this settlement resolves the matter in good faith. Parties agree this settlement is done for practical reasons, this bill has not been established as a valid debt, and any difference between billed and settled amount is not a canceled nor forgiven debt. 6 Neither party nor its assigns will make any adverse statements to third parties relating to this bill or agreement. Parties agree they have a continuous duty to remove adverse statements, and agree to do so within seven days of request. 7 Parties specifically agree no adverse mark nor any mark of any kind shall be placed on Customer's credit report; and in the event such a mark appears, Parties will disavow it continuously. Parties agree that a good credit report has a monetary value and specific impacts on a customer's life. 8 Jurisdiction of law shall be where the effects are felt, and that shall be (place of service) regarding the amounts of the bill proper. Severable, inseparable, counterparts, witness, signature lines blah blah. A collector is gonna sign this because it's free money and it's not tricky. What does this do? 1, 2 and 5 alter history to make the debt never have existed in the first place. To do this, it must formally answer the question of why the heck would you pay a debt that isn't real and you don't owe: out of sheer practicality; it's cheaper than Rogaine. This is your ""get out of jail free"" card both with the credit bureaus and the IRS. Of course, 3 gives the creditor motivation to go along with it. 6 says they can't burn your credit. 7 says it again and they're agreeing you can sue for cash money. 8 lets you pick the court. The collector won't get hung up on any of these since he can easily remove the bad mark. (don't be mad that they won't do it ""for free"", that's what 3 is for.) The key to getting them to take a settlement is to be reasonable and fair. Make sure the agreement works for them too. 6 says you can't badmouth them on social media. 4 and 5 says it can't be used against them. 8 throws them a bone by letting them sue in their home court for the bill they just settled (a right they already had). If it's medical, add ""HIPAA does not apply to this document"" to save them a ton of paperwork. Make it easy for them. You want the collector to take it to his boss and say ""this is pretty good. Do it."" Don't send the money until their signed copy is in your hands. Then send promptly with an SASE for the receipt. Make it easy for them. This is on you. As far as ""getting them to send you an offer"", creditors are reluctant to mail things especially to people they don't think will pay, because it costs them money to write and send. So you may need to be proactive about running them down with your offer. Like I say, it's a funhouse mirror."


I'm claiming that quote of yours that I copied and pasted is a lie, that's what I'm claiming, and I proved it with a link to a government website. Now I have to point out you this latest link you're sending me is worse than the last. This time it's leading to nothing, propagandist. I'm gonna copy the link in case you try to change it https://ucr.fbi.gov/crime-in-the-u.s/2014/crime-in-the-u.s.-2014/resource-pages/downloads


Citizenship matter for US reporting, but not for Canadian taxes. If you are an American resident then you need only worry about US taxes and rules. s


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Not all cars but just those < $25k (Skoda, Nissans, VW, Ford, Renault )!! Economic class vehicles, which basically are driven by the middle class. While elite automobiles (anything above this) and to pleasure of the oligarchs and politicians, will continue to pour in. So in the <$25k segment either Russian built or from non-sanctioned nations (S.Korea-? and China), the prices will obviously inflate dramatically with the decrease in supply. The poor and middle class are the only ones going to suffer with this. This fucking economics 101, if not common-sense !!! Either they are too stupid to realize this or this is just some machiavelic plan !! edit: [В Госдуме сообщили о возможном запрете на ввоз авто дешевле 800 тысяч рублей](http://lenta.ru/news/2014/08/19/avto/) -- The State Duma has reported a possible ban on the import of cheaper car 800 thousand rubles


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If you are a company owner and need a large quantity of packaging needs then you should acquire wholesale printed boxes because by acquiring wholesale products, per sample cost is reduced to low which is beneficial for you because you would not get out of the budget.


It's astonishing how my simple point - _this is going to suck really badly for thousands of people_ - is somehow interpreted as some sort of approval for exploitative capitalism. As I keep saying, these old companies have to go - and in the last few years the quality of the jobs they offer has fallen and fallen. Frankly, I see a collapse coming where most of these companies vanish. _But it's going to suck for the people who lost their jobs and I feel for them._ > Think of all the unfortunate hedge fund managers who lost their jobs in 2008. Shed any tears for them? Heck, no, probably most of them should be in jail. And they won't go hungry. What's your point? The poor suckers who work for Sears are in a completely different category.


"In general, a lack of endorsement (meaning nothing written by the receiver on the back of the check) is equivalent to it being endorsed ""as deposit only"" to a bank that the depositor has an account with. (See Uniform Commercial Code §4-205.) That is, the bank that receives a deposit without any endorsement promises to the banks that process the check along the line all the way back to your bank, that they properly deposited the money into the account of the entity that the check was made out to. With checks being processed with more and more automation, it's getting fairly common for there to be little writing needed on the check itself, as the digital copy gets submitted to the banking system for clearing. If you're concerned about there being some sort of fraud, that perhaps the entity that you're sending money to isn't the ones that should be getting it, or that they're not actually getting the money, or something like that, that's really an entirely different concern. I would expect that if you were saying that you paid something, and the payee said that you hadn't, that you would dispute the transaction with your bank. They should be able to follow the electronic trail to where the money went, but I suspect they only do so as part of an investigation (and possibly only in an investigation that involved law enforcement of some type). If you're just curious about what bank account number your deposit went into, then it just looks like you're the one trying to commit some sort of fraud (even if you're just being curious), and they don't have much incentive to try to help you out there."


For eToro, just like any other brokerage firm, you can lose your entire capital. I suggest that you invest in one or more exchange-traded funds that track major indexes. If not, just put your money in fixed deposit accounts; gain a bit of interest and establish an emergency fund first before investing money that you feel you are able to lose.


"I don't want to bother with micropayments, and harassing her for monthly payments. Alternative approach to lending her $20K, arranging for her to pay you back $x per month, and having to (as you say) harass her for micropayments. Instead, you give her the $20K, and she sets up a savings account with a monthly direct debit deposit of $x. The bank takes care of the monthly ""payments"" into the savings account, and at the end of the loan period, you've got your $20K, and instead of the bank making interest off your mom, you make some interest out of the savings account."


You said 2 things that made me think you are one of the rare young couples barely making it but should attempt to buy rather than rent anyway.... Around my area, renting a place is about equivalent to just paying a monthly mortgage of a 30yr 3.5% APR of a home priced at around $250,500. and... Our ideal price range would be $100,000-160,000 with a 25-30yr mortgage at 3.5 - 5.4% The other answers suggesting that you should rent and the reasons given were excellent ones but because of those 2 points you made, this tells me that you would be willing to live in a much much more basic house if you owned rather than rented. Many renters rent rather than buy because they want a really nice place for their money and are willing to spend what it takes to get a nice place, but not you. If you buy, you would be willing to take a place worth half or even less than half what you would get if you rented. That tells me you might accept a place that needs a little work. Perhaps you and/or your fiancée have some skills needed to do a little of the work yourself. I hope you decide to buy rather than rent if you can swing it, and instead of taking a 2nd job, spend all your spare time working on your little investment. It's possible that by the time you're done fixing that house up some, through your own creative efforts or through the help you might get from your friends, you could end up with a $250,000 house, own it, and reap all the great benefits of owning rather than renting...or...better yet, sell that place for a nice profit, then turn around and buy the next one already fixed up with your newly acquired great credit to help you with the new mortgage, and ready for you to move in and enjoy. It's how my wife and I got started (only we didn't have the benefit of historically low interest rates) and if we can do it, I believe you can too. Here are a couple tips that might help out....1) Don't spend a lot of money to fix the place...try to find the time to do the simpler tasks yourself. If you don't have the skills, you can learn them on youtube or by picking the brains of all the great willing people working at your local discount home project superstore. 2) Cosmetics go a long way towards increasing the value of a house. a) needs paint and b) needs carpet but not a) major structural damage and b) needs roof. Regarding some of your other points... HOA, hopefully if you buy in a formal community, the HOA should be less than $200. If it's more than that, it might be harder to do as I suggest. Closing Costs, probably more like 4 - 5% Taxes, monthly if included in mortgage, normally quarterly or semi-annually if not Utilities...you're budgeting quite high for that. Depending on your area, you might only spend an average of $200/month, maybe even less. Insurance...see answer for taxes Regular maintenance, $1K a year might be about right but we better include irregular also, which comes up more often than you might think when owning, let's say $2 - $3 a year. Unexpected costs. Expect the unexpected but if the place needs a new roof or something big like that, then you didn't do your homework before buying.


Yes. There are exceptions under the pre-JOBS laws to allow unaccredited investors (off the top of my head I don't remember the limit, but 35 sounds right). However, it increases the amount of information the company has to give to those investors. Post-JOBS you're allowed to have up to 500 unaccredited investors and as far as I know, it doesn't really change the information the company has to give.


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-06-16/the-housing-recovery-is-leaving-out-most-of-america) reduced by 85%. (I'm a bot) ***** > For further evidence of the uneven recovery among U.S. housing markets, how&#039;s this: In the 10 most expensive U.S. metropolitan areas, median home values have increased by 63 percent since 2000, after adjusting for inflation. > Home prices in 3 out of 5 metropolitan areas remain below their pre-recession peak, and home prices in low-income neighborhoods are faring even worse. > Home prices increased in 97 out of the 100 largest metropolitan areas, according to the report. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6hpc6k/the_housing_recovery_is_leaving_out_most_of/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~146042 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*: **percent**^#1 **home**^#2 **price**^#3 **report**^#4 **housing**^#5"


How does paying off a mortgage early work? Example: I have a 30 year fixed rate mortgage of 3.5%, the amount borrowed is $300,000. I have just inherited $300,000. I am in the first year of the mortgage. Can I give the bank the $300,000 to clear the mortgage, or must I pay off the total interest that was agreed upon for the 30 year term? This depends on the country regulation and your agreement. Generally speaking the calculations are on daily reducing balance. so you just pay 300K I'm curious why the bank would let you do this, since they will lose out on a lot of profit


When did it become a verb? Early 19th century: http://en.wikipedia.org/wiki/Bootstrapping You can keep on repeating yourself -- wow, that Amway comparison sure is powerful, don't wanna overuse it now -- but it's no use, really. Oh, and the income stated is for 2011. I don't know if you realized this, but 2011 is basically over. Thanks.


The investments he's chosen are well diversified. You can argue the details, but it's a low-fee, low-risk plan that's simple to implement, which makes it better than what 95%+ of people do. Starting saving early is also a great idea. Now for the bad news. $1mm is not enough to retire on. It can't generate $80k / year without significant risk, and even if it could, those investment gains would be taxable. The general rule of thumb is that you should have 25x your annual expenses saved when you retire, a bit more if you want to retire early at 50. Don't forget that inflation means $1mm in 24 years will not have the same purchasing power it does today.


I think it's wise to account for those inevitable but unpredictable expenses like car/house repairs and abnormal medical bills when deciding on your emergency fund amount. So if you average $100/month for car repairs, and you have a 6-month emergency fund, then part of that fund is $600 for car repairs. If your total annual out of pocket for health insurance is $5,000/year, then emergency fund gets $2,500 and so on. This way, you add cushion to your emergency fund to handle those unpredictable but inevitable expenses without setting up a bunch of separate accounts. It doesn't have to be inflexible either, I know my furnace and air conditioner are way past their expected life, so I'm keeping a larger than normal emergency fund. Ultimately it's personal preference, to me, cash is all the same no matter what account it's in, but other people do best by keeping some logical/physical separation of funds intended for different purposes.


FYI, French Fries = pomme frites, which is Belgian, so yeah, not american food. Also, while fresh food is available in the US, its not cheap. Remember the part I said about 'cheap'? If you already have access to food that is both good and cheap, there's little incentive to want McFood.


"You should brand that truck, definitely. Slogans... ""Ever catch yourself saying, 'poop, I did it again'? Call now."" When you brand that truck, the number one, and I mean the only thing, you have to do is get peoples attention. No matter how odd. The potty truck Hurtinalbertan linked to is a great example of it. Marketing at its core is a simple principle, AIDA: Attention Interest Desire Action. Get the attention of the end-user (""poop I did it again,"" plays on the hasbeen of Brit Spears single), interest them with appealing facts or figures (99% of people wait until it's too late!), create a subconscious desire or urge (don't wait until it's too late), and direct them to how they act upon this desire (call NOW!)."


Yet people think this is impossible. They're out there, insisting on total employment forever, somehow not believing that robo-planter and robo-harvester can run on the same field. Like there's something magical about sticking a thing in the ground and then later pulling it out.


Pool Pump/Spa ControlsFeatures: Full rated pump complete with impeller and motor stand. Medium head pressure pump. See through lid allows quick visibility alerting you if your trap needs to be cleaned. Stainless steel seals for quiet operation.


Without getting to hung-up on terminology here, the management of a company will often attempt to keep stock prices high because of a number of reasons: Ideally companies keep prices up through performance. In some cases, you'll see companies do other things spending cash and/or issuing bonds to continue to pay dividends (e.g. IBM), or spending cash and/or issuing bonds to pay for stock buybacks (e.g. IBM). These methods can work for a time but are not sustainable and will often be seen as acts of desperation. Companies that have a solid plan for growth will typically not do much of anything to directly change stock prices. Bonds are a bit different because they have a fairly straight-forward valuation model based on the fact that they pay out a fixed amount per month. The two main reason prices in bonds go down are: The key here is that bonds pay out the same thing per month regardless of their price or the price of other bonds available. Most stocks do not pay any dividend and for much of those that do, the main factor as to whether you make or lose money on them is the stock price. The price of bonds does matter to governments, however. Let's say a country successfully issued some 10 year bonds last year at the price of 1000. They pay 1% per month (to keep the math simple.) Every month, they pay out $10 per bond. Then some (stupid) politicians start threatening to default on bond payments. The bond market freaks and people start trying to unload these bonds as fast as they can. The going price drops to $500. Next month, the payments are the same. The coupon rate on the bonds has not changed at all. I'm oversimplifying here but this is the core of how bond prices work. You might be tempted to think that doesn't matter to the country but it does. Now, this same country wants to issue some more bonds. It wants to get that 1% rate again but it can't. Why would anyone pay $1000 for a 1% (per month) bond when they can get the exact same bond with (basically) the same risks for $500? Instead they have to offer a 2% (per month) rate in order to match the market price. A government (or company) could in fact put money into the bond market to bolster the price of it's bonds (i.e. keep the rates down.) The problem is that if you are issuing bonds, it's generally (caveats apply) because you need cash that you don't have so what money are you going to use to buy these bonds? Or in other words, it doesn't make sense to issue bonds and then simply plow the cash gained from that issuance back into the same bonds you are issuing. The options here are a bit more limited. I have to mention though that the US government (via a quasi-governmental entity) did actually buy it's own bonds. This policy of Quantitative Easing (QE) was done for more complicated reasons than simply keeping the price of bonds up.


Total employment will drop by 1 million or more but - according to your CEPR study, thanks to TTIP, average household income may rise by as much as 527 euros a year by 2027. Some of that may be offset by loss of social benefits, for example, the average American spends around $250,000-$300,000 or more over his or her lifetime for health care over an identical Canadian.


> What principle justifies the right of government to label a firm as 'too big to exist'? When a Business entity is so large and powerful its failure threatens the safety and well being of the nation it is based / present in. > What actions should a government be able to institute in these cases The government should be able to forcefully break up the company into smaller groups, or instate laws and regulations that promote competition and allow smaller businesses the ability to compete. >and what principles justify these actions? National preservation. Your business will never ever be more important than the well-being of the country, and every government of every nation of the world has the full and unquestionable right to make decisions and take actions that safeguard the safety and stability of themselves. Wow, that was incredibly easy to answer


Dollar cost averaging moderates risk. But you pay for this by giving up the chance for higher gains. If you took a hundred people and randomly had them fully buy into the market over a decade period, some of those people will do very well (relative to the rest) while others will do very poorly (relatively). If you dollar cost average, your performance would fall into the middle so you don't fall into the bottom (but you won't fall into the top either).


"MS4 still undecided about specialty. And it sucks. I literally have no idea what I want to do. I have ruled out some big ones, but on my list (no joke) are peds subspecialty, ortho, ENT, derm, rads, IR, anesthesia. All f***ing over the place. Half of these I probably can't do because I didn't know I want to be an orthopod since I was 5, don't have 7 years of research with 10 pubs, and am not best friends with the chairman. I want to be a surgeon but I want to have a life. I want to make money but I want to be happy at work. I want to work hard but not sacrifice my family. There are some of us who know what they want to do (eureka moment), most of us figure it out as we go along, and a few of us aka me are paralyzed with fear and have no clue what the hell to do. /u/brobroygmi lied on the inter webs. He's a med student His ""business"" is obviously not what he's trying to make it sound like it is."


I want to shop in the currency that will be cheapest in CAD at any given time. How do you plan to do this? If you are using a debit or credit card on a CAD account, then you will pay that bank's exchange rate to pay for goods and services that are billed in foreign currency. If you plan on buying goods and services from merchants that offer to bill you in CAD for items that are priced in foreign currency (E.g. buying from Amazon.co.uk GBP priced goods, but having Amazon bill your card with equivalent CAD) then you will be paying that merchant's exchange rate. It is very unlikely that either of these scenarios would result in you paying mid-market rates (what you see on xe.com), which is the average between the current ask and bid prices for any currency pair. Instead, the business handling your transaction will set their own exchange rate, which will usually be less favorable than the mid-market rate and may have additional fees/commission bolted on as a separate charge. For example, if I buy 100 USD worth of goods from a US vendor, but use a CAD credit card to pay, the mid-market rate on xe.com right now indicates an equivalent value of 126.97 CAD. However the credit card company is more likely to charge closer to 130.00 CAD and add a foreign transaction fee of maybe $2-3, or a percentage of the transaction value. Alternatively, if using something like Amazon, they may offer to bill the CAD credit card in CAD for those 100 USD goods. No separate foreign transaction fee in this case, but they are still likely to exchange at the less favorable 130.00 rate instead of the mid-market rates. The only way you can choose to pay in the cheapest equivalent currency is if you already have holdings of all the different currencies. Then just pay using whichever currency gets you the most bang for your buck. Unless you are receiving payments/wages in multiple currencies though, you're still going to have to refill these accounts periodically, thus incurring some foreign transaction fees and being subject to the banker's exchange rates. Where can I lookup accurate current exchange rates for consumers? It depends on who will be handling your transaction. Amazon will tell you at the checkout what exchange rate they will apply if you are having them convert a bill into your local currency for you. For credit/debit card transactions processed in a different currency than the attached account, you need to look at your specific agreement or contact the bank to see which rate they use for daily transactions (and where you can obtain these rates), whether they convert on the day of the transaction vs. the day it posts to your account, and how much they add on ($ and/or %) in fees and commission.


Got the source for China asking for money? I would like to read that and educate myself. China put in more solar last year than the entire world combined. Never underestimate China, they are not bogged down by a bloated irrelevant government. They can just make a decision and go for it. Just walk around their cities and look at the infrastructure they pull off. It's staggering and puts anything in North America to shame.


That's just one type of strong culture. Take an investment banking firm. Super strong culture - you wear a suit and tie, work long hours, and has formalized hierarchy. This is the other extreme of strong culture. Companies do it because it becomes a self selecting group of individuals, and plenty of research shows that these employees tend to stick around longer and are generally happier. Employees that don't fit that culture eventually weed themselves out and find a better fit somewhere else. We can also compare companies like Facebook to Amazon, both are tech companies, but both have strong but different cultures. The employees that last longer and get promoted are the ones that best fit that culture.


"My bank's bill payment system saves nothing more than writer's cramp and stamps. When a paper check is required they mail it, but it's drawn on my account just as if I'd written it out by hand and mailed it myself. There is no ""temporary account"", and at the time of month when I take care of the bills, my balance oscillates up and down depending on what's cleared and what hasn't. I'm going back to mailing checks because it saves a day or two of time between payment initiation and check clearing, which sucks. And electronic payments aren't much better. It recently took about five days for a payment to my car insurance company to be processed--and the amount is finalized and subtracted in the bank's website only after clearance. I can't know what I have without balancing the account every. frigging. time. IIRC bill payment systems were a lot more seamless and user friendly when they first became widespread."


"I'm not the commenter you replied to, so I didn't bother addressing the rest since it wasn't directed to me. I was merely pointing out that once again you're bringing utilities into the discussion, which is irrelevant because PayPal *is not a utility.* Also, it's laughable that you're trying to compare hospitals being allowed to ""let someone die based on their political views"" to a being denied use of a money transfer/credit card processing service. Try relevant comparisons and maybe you'll get farther with a discussion."


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First pay off all existing debt. Then set up at least 6 month emergency fund. Freelancing exposes you to way more risks than employment. Then buy GIC's to cover and match the maturity of your expected education fees. Only 'play' with what is left. Don't over think it. Buy a low-cost (less than 0.5%) passive large-index mutual fund covering either the S&P or TSX.


This is really important for business in general. Silicon Valley goes through more venture capital in a year than most countries spend in their budgets or make with their GDP. Almost none of that goes to women founders and there is every reason to believe that is largely because of the poisoned culture. So this is really big no matter how you measure it, whether you focus strictly on following the money or zoom out to consider the cultural implications of small business support structures being not merely male dominated but thoroughly exclusionary toward women. Women play an increasingly important role in commerce because of the need for social skills.


I mean sure but there have [been underlying problems with Whole Foods business](https://www.forbes.com/sites/brycehoffman/2017/04/30/the-problem-with-whole-foods/#4ac1755019d6) for a while. I'm trying to understand why Amazon would specifically target Whole Foods vs another Grocery chain. Does the relative decline of Whole Foods market put it in a place where Amazon can acquire it for a discount? I'm guessing yes, but the source article is rather short on reasons.


No. Firstly I think that free market economic theories of healthcare are ungrounded because there is no such thing as consumer who can make properly informed customer. And secondly, an economist can never understand the risks associated with healthcare because they will never have a patient die as a result of their decision making. Being an economist is a trivial job when compared to being a doctor. Losing money is not remotely the same as inadvertently causing a patient's death. So they will never really understand the forces that motivate the healthcare economy.


"I mean, I'd say ""no shit"". The model is easy to reproduce (see the inverse model proposed by CHX and the new NYSE American), and people don't have a real incentive to trade there. IEX's main selling point to the buy side was the reduced price impact order router, which ultimately went away when they became an exchange. Listings could be interesting, but I can't see why any company that doesn't have some sort of statement to make would want to list there versus the big two, or BATS. Hell, even BATS, a much more established market, has had a hard time drawing listings. I'm glad they've seen a small bump in market share in the last few months, but I can't see them becoming one of the big three players any time soon (especially after having shat all over the industry during their launch period). Side note: The UTP SIP (and soon the CTA SIP) are both **much** faster than when IEX went live. Turns out inside updates via the SIP are received faster than the prop market data feed, and faster than updates received over an order entry connection. Under these circumstances the street knows a trade occurred before the participants in the trade. This information asymmetry often results in market makers getting run the hell over, and makes them less likely to quote at the inside on your market."


Two cases: You take the credit and reinvest the cash equivalent (be it a savings account or otherwise), yielding you the x% at virtually zero risk. Unless of course you consider possibility of your own negligence a risk (in case of missed payments, etc.). You pay by cash and have the peace of mind at the cost of that x%. The ultimate decision depends on which you value more - the $ you get from x%, or the peace of mind.


Thing is, everyone said he was too stupid to scam people. But that kid has heart.. He never gave up and eventually showed us all that if we work hard and think positively we too can rob the fuck out of people.. I cried.


I used to think that paying off ahead of time made sense, but I no longer do, at least in most cases. The upside is that you can get a return on your money equal to the mortgage interest rate (it's less than that in the US, where mortgage interest is deductible, so it's roughly the mortgage interest rate * 1 - your marginal income tax rate). There are a few downsides. The biggest is that cash is the most liquid asset you can have; you can get at it with no restrictions. If you put that cash into your house, you are converting that into an asset with a lot of restrictions; you can't get at it without fees, nor can you get at it if you don't have a job, which is when you would need it most. So, you are putting your money in a hard-to-get-at place for a small interest rate. I don't think it is worthwhile. (edit) One complication is PMI. If you are currently paying PMI, it may make sense to put money towards the mortgage until you get to 20% and can get rid of the PMI.


It depends on your tax rate. Multiply your marginal rate (including state, if applicable) by your 3.1% to figure out how much you are saving through the deduction, then subtract that from the 3.1% to get the effective rate on the mortgage. For example, if you are in the 28% bracket with no state tax impact from the mortgage, your effective rate on the mortgage is 2.232%. This also assumes you'd still itemize deductions without the mortgage, otherwise, the effective deduction is less. Others have pointed out more behavioral reasons for wanting to pay off the car first, but from a purely financial impact, this is the way to analyze it. This is also your risk-free rate to compare additional investing to (after taking into account taxes on investments).


">So people buying houses with inflated prices that they couldn't really afford isn't the problem? I don't know the guy's exact financial situation besides the fact that he is upside down and he has good credit but I'd wager that for this gentlemen it's not a matter of him ""not being able to afford the home"" but a matter of he can't get a lower interest rate from his bank. If he couldn't afford the home, he would have declared bankruptcy a long time ago when the bubble burst."


"The key part of your question is the ""so far"". So you didn't need a credit card today, or yesterday, or last month - great! But what about tomorrow? The time may come when you really need to spend a little more than you have, and a credit card will let you do that, at a very modest cost if you pay it off promptly (no cost, if paid within 30 days). I learned this when I was traveling and stranded due to bad weather. I had almost nothing in my bank account at the time, and while I actually did have a small student-type credit card, I came really close to having to sleep at the train station when I didn't have enough for another night in a hotel. As an example, if you have close friends or family living across the country, and something tragic were to happen, would you be able to pay for a flight to attend the funeral? What if you'd recently had an accident and a big medical bill (it doesn't take much, a broken arm can cost $10,000)? Perhaps you have a solid nest egg, but breaking a CD ahead of schedule or taking short-term capital gains on a mutual fund will usually cost more than one or two months of interest payments."


Chances are high your friend isn't in it for the money, but the community or some vague dream of having a future income-generating side business because he can't get a loan for a 7-11 franchise. I run a few successful online businesses and had an import/export so naturally I run into these guys looking for advice on selling their MLM wares easier. I always point out they can make a lot of money cutting out the middle man MLM distributor and buy the same products from eBay or the same local supplier the MLM uses for a fraction of costs...then collect all the profit sans kickbacks to their host MLM goon/sponsor/father. I've never had anyone that bailed on the MLM, but I could see their eyes gloss over after they realized their own middle man is holding them back from making a lot of money (assuming they could offload that stuff). People actually in it for the money tend to bail (better sales job exist, MLM dreams don't pay rent, etc.) so you'll probably just need to isolate your friend from these losers somehow. You could investigate his sponsor and find out how much money he's actually making....if he tells your friend he's rich, but you find out he lives in the slums with his mom, your friend might bail on friendship/association with the group out of sheer disgust. It's the friends, not the logic you need to attack. His MLM friends would consider it a betrayal if he left them so you need to show him it's the MLM group that's betrayed his friendship. Point out all the long-term members driving junky cars to events who brag about their $$$. Laugh at the piss poor finance credentials of the local group leaders....ask where the investor perks are and suggest the sponsor/leaders are just hording them. Point out that he's a success and the fellow team members are just milking him to prop up their failing investments/sales/recruitment numbers. Nobody wants to let a team down....but the team isn't good enough for him. Deep down he knows the logic is questionable or at least risky/improbable, but his faith in the good intentions of his MLM cohorts is high.....crush that faith and all he's left with is bad finance tips or cheap protein shakes.


"Based on the updated information ""I'm able to get my health insurance in full from my old job which is why still have it(ABC). Anthem Blue cross only costs me about 15 dollars a month. At my new job I work full time so I took up the healthcare because eventually I will more than likely get rid of my old one(or loose it)."" There are a couple of issues: The old company will no longer be paying for the ABC policy, you will have to cover the entire cost. The cost could be significantly m ore than $15 a month. One will be primary and one will be secondary. You will have to tell them about each other. How they will interact when one is a percentage and the other a copay will have to be investigated. Look back at all your procedures from last year, and ask how they would cover them. You will also need to see if your doctors and specialists are in both networks. This could create situations where the 2nd policy provides no coverage because you went out of their network. You could also require multiple referrals."


Is eToro legitimate? If you have any doubts about eToro or other CFD providers (or even Forex providers, which are kind of similar), just type eToro scam in Google and see the results.


It appears to me that the tax code gives significant advantages to being a corporation as opposed to being a person due to the relative ease of legal tax avoidance. As an individual, avoiding taxes is much harder than it is for a corporation. I mean, why can't I claim my deficit last year as an operating loss and use it to offset my taxes? I mean suppose I had to borrow money to afford food, that's pretty vital to my business (staying alive) operations. Why can't I offset my income with my borrowing like a corporation can?


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Your university should have a finance department which can help with payments. Speak with them and tell them you have interest in paying for at least part of your next semester in cash. From here they should be able to tell you the best method for this, though most likely cash/check will suffice. If there is no finance department, or you are still unsure, check with student services for more information.


**Modigliani–Miller theorem** The Modigliani–Miller theorem (of Franco Modigliani, Merton Miller) is a theorem on capital structure, arguably forming the basis for modern thinking on capital structure. The basic theorem states that in the absence of taxes, bankruptcy costs, agency costs, and asymmetric information, and in an efficient market, the value of a firm is unaffected by how that firm is financed. Since the value of the firm depends neither on its dividend policy nor its decision to raise capital by issuing stock or selling debt, the Modigliani–Miller theorem is often called the capital structure irrelevance principle. The key Modigliani-Miller theorem was developed in a world without taxes. *** ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/finance/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot) ^] ^Downvote ^to ^remove ^| ^v0.27


Companies typically release their earnings before the market opens, and then later host an analyst/investor conference call to discuss the results. Here's a link to an interesting article abstract on the subject: Disclosure Rules For Earnings Releases And Calls | Bowne Digest. Excerpt: In the aftermath of the Sarbanes-Oxley Act, the SEC changed regulations to bring quarterly earnings announcements in line with the generally heightened sensitivity to adequate disclosure. New regulations required that issuers file or furnish their earnings press releases on Form 8-K and conduct any related oral presentations promptly thereafter, to avoid a second 8-K. [...] Sample from a news release by The Coca Cola Company: ATLANTA, September 30, 2009 - The Coca-Cola Company will release third quarter and year-to-date 2009 financial results on Tuesday, October 20, before the stock market opens. The Company will host an investor conference call at 9:30 a.m. ( EDT ), on October 20. [...] Sample from a news release by Apple, Inc.: CUPERTINO, California—January 21, 2009—Apple® today announced financial results for its fiscal 2009 first quarter ended December 27, 2008. The Company posted record revenue of [...] Apple will provide live streaming of its Q1 2009 financial results conference call utilizing QuickTime®, Apple’s standards-based technology for live and on-demand audio and video streaming. The live webcast will begin at [...]


A lot of smaller (and/or weaker) countries did not have much choice when Germany and France decided to rename the German Mark as the Euro, as most of their trade was already in Marks. It was even common for their population to have their savings in Marks. So the question was. Do we wish to have to use the Euro with or without a seat on the board? It was a no brainer for them at the time... The UK has a lot of trade with the USA and other countries outside of the Euro zone, so we are unlikely to have to join the Euro. So in the end it comes down to this point - if the British voters trust a UK government they elected more or less than an EEC government mostly elected by people in the other EEC countries. I don’t think the UK will be joining the Euro anytime soon, but everything can (and will) change with the passage of time. (After all the USA used to be part of the pound trading zone and please can you pay us all the back dated tax you stop paying after a little tea party!) Update: Given what has just happen to Grease and Spain and the Conservative Party has the most seats in the UK parliament, I don’t think the UK will not be joining the Euro for the next 5 years at least


Well they don't have a fiduciary duty to be politically correct lol. Just politically correct if it relates to profitability. And I guess you're right that if they waste time and energy there... they might have been able to use it elsewhere. But honestly this is a gang of crooks. And you can see it in the compensation plans. Most of them have nothing better to do.


"would constantly fluctuate and provide an indication of how well the market is doing. The index is there to tell if you made profit or loss by investing in the market. Using a pure total market cap will only tell you ""Did IPO activity exceed bankruptcy and privatization activity""."


"If your income stream goes up, it would usually increase both your ""income"" term and your ""assets"" term since that money sits in your bank account as an asset. (Even more likely a combination of assets and expenses go up if you have cost associated with the increase in income.) In this case, they balance in the equation and your equity doesn't change. The question as you posed it is true mathematically, but the ""paradox"" happens because you're not taking into account where the money form the increased income falls in other terms of the equation."


your request was fine. Business is multi-disciplinary and requires seeing things from many aspects, changing your perspective regularly. Our CEO changes which dimensions to evaluate his business every six months - at the top is porfitable growth, then every aspect of the business that influences that outcome is flipped and re-examined. He's been remarkably successful his entire career


ESPP shares, once purchased, are just normal shares that you got at a discount. They're just as much a part of your current net wealth as any other shares of stock. What you can't do is claim that discount increases your salary, even if it does result in your effectively taking home more money. It's a benefit like the company contribution to your health plan, not a bonus.


That's only one of an array of factors. If, for example, there was political will to tackle it and a global market capable of supporting it, sure, I could see that getting done... but in our current situation? I'm not convinced.


> I insist that their real wealth situation is better than ours because of the consistent positive infusion of foreign wealth from superior physical exports Yes, let's talk real wealth. In real terms, being a net exporter means you work and use real resources to make real goods which you then ship away to improve someone else's standard of living. In return, you get a *smaller* pile of real goods that contribute to your standard of living plus a pile of foreign currency to make up the difference. ...hooray? You're coming out ahead in financial terms but in real terms of trade you're losing. >That's the argument you've been supporting this entire time!!! Nice pivot, man >: [ Not a pivot at all. Emphasizing the bottom line, which is *real* constraints as opposed to financial. Saying we can't run out of dollars isn't the same thing as saying we can't run *into* other limits. I want to make clear what those limits are. The fact you called it a pivot confirms the need for me to spell it out.


"The extent that you would have problems would depend on if the annuity is considered Qualified or Non-Qualified. If the annuity is qualified that means that the money that was put into it has never been taxed and a rollover to an IRA is simple. The possible issues here are tax issues and a CPA is likely the best person to answer this question. Two other things to consider in such an event is the loss of any 'living benefit' or 'death benefit'. Variable annuities have been through quite the evolution in the last 15 years. Death benefits have been around longer than living benefits but both are usually based on some derrivitive of a 'high water' mark of the variable sub accounts. You might want to ask Hartford the question ""...how will my living or death benefits be affected if I roll this over""."


According to the IRS: To deduct a bad debt, you must show that: So if you fulfill the basic requirements, then generally yes, you can deduct them from your taxes. However, as always, please refer to a professional CPA for any final tax determinations.


Uhm, this is my disclaimer that this is not financial advice. But. I would imagine a decent amount of high growth tech will go into the toilet. Also cyclicals that are heavily reliant on the low cost of short term capital. But really these are just some intuitive guesses. It would really depend on what the mechanism and impact of a future recession would be. Curious though, why do you personally think a recession is looming? I know there's been a lot of talk but per the VIX, investors' worries don't appear to be affecting their behavior too much (at least in equities). I think the big risk is the Fed not being able to control the yield curve, i.e if short term rates increase but the Fed can't or won't shrink the balance sheet enough to impact long term rates. Just an idea.


"Moving oil trade out of dollars into yuan will take right now between $600 billion and $800 billion worth of transactions out of the dollar… When this happens, the US dollar should drop to about 50% of it's current value and at that point, the US century will be over. What happens after that is anybodies guess but I expect that the US will have to either use it's military to shore up the dollar in exactly the same way they did when the invaded Iraq to prevent the sale of oil in Juan OR the US will blink and it's expensive military around the world will have to be clawed back. Simply put, the US will no longer be the world's policeman""."


Not all will be sold though. They projected their corporate leasing / normal leasing to substantially grow since it was just started and some will end up in inventory at year end. Still is pretty impressive that they anticipate that much demand for a luxury car. Their letter to investors is really insightful too... I highly recommend you take a look at it.


On a summary level, there are three conceptual ways of clearing money electronically. Immediate clearing, where banks (often, but not necessarily) with support of the supervisory entities, send immediate drawing rights against their own cash reserves, and dedicate this right to the account of the receiving customer. This is rather expensive, as it limits the banks ability to use their cash reserves for their own banking operations (crediting etc). This is often the only way to wire significant (in comparison to the bank size) amounts of money. Internal clearing, where the money actually never leaves the bank - it's just moved between accounts of two different customers of the same bank. It's usually free, as the bank is still free to use your money to do it's banking, and it's usually immediate since nothing actually needs to happen besides a change in the banks entries. Batch clearing, where banks submit outstanding requests against each other, and calculate the net settlement. Basically, when you from bank A wire money to me in bank B, there is a high chance that a similar amount of money is wired between two other users it the opposite direction. After a bit of accounting the net imbalance is computed (and often drawn via immediate clearing) but the bulk of the money actually never leaves any of the banks, it just is reassigned between each banks customers as per agreed books. There are also additional ways where companies decide to open accounts in each of the banks and provide some sort of immediate clearing backed by the operators cash reserves rather than the banks.. and so on.. How does it happen in Indonesia? I have no idea, but I think a good overview of how it happens around the world is a publication by a partner entity of ours; http://pymntsreportstore.com/products/global-wire-transfer-choices If you are really curious, I'd research under what legal form does Paypal Indonesia operate (it should be somewhere in the archives) and figure out what other wiring options are available.


">For IT departments internally billing is essential for managing expectations. Otherwise they are treated as an endless pool of free resources. It -- chargeback/internal billing -- can (and I have seen this in action) also work the opposite way; it can allow IT to ""tax"" other departments inordinately and continue to operate inefficiently. The devil is always in the details; and the chief problem with chargeback systems is when things are ""genericized"" (for example charging ""set rates"" to each department based on CPU count {regardless of whether one unit in one department is a high-power CAD station, or file-server, and the equivalent of a ""netbook"" in other departments} -- or likewise by the number of printers {regardless of type, charging a massive workgroup printer the same $500 per unit annual ""support"" cost as a label-printer that only cost $50 retail, etc.}) And likewise with the ""IT shouldn't actually charge-back labor"" -- you still create the ""endless pool of resources"" problem, just in the form of labor rather than equipment. Basically internal charge-back systems CAN function -- *if they are properly constructed, and PROPERLY adjusted to take into account different (and changing) costs* -- but far too many companies ""implement"" such a thing, and then let it fossilize (where it ends up creating the same kinds of unnecessary and troublesome distortions that it was purportedly put in place to solve)."


FYI, the proposed cuts to food stamps would need to be compensated by an increase fo ~$50,000/church for local food-based organizations to make up the difference. If you want your giving to make up for government programs, you'd best be prepared to give a lot.


The Fed is trying to keep the money supply growing at a rate just slightly faster than the increase in the total production in the economy. If this year we produced, say, 3% more goods and services than last year, than they try to make the money supply grow by maybe 4% or 5%. That way there should be a small rate of inflation. They are trying to prevent high inflation rates on one hand or deflation on the other. When the interest rate on T-bills is low, banks will borrow more money. As the Fed creates this money out of thin air when banks buy a T-bill, this adds money to the economy. When the interest rate on T-bills is high, banks will borrow little or nothing. As they'll be repaying older T-bills, this will result in less growth in the money supply or even contraction. So the Feds change the rate when they see that economic growth is accelerating or decelerating, or that the inflation rate is getting too high or too low.


I don't have preexisting conditions. I am only speaking of how *my own personal* healthcare situation got worse because of the ACA. I did used to use the dental and vision portions of my company-provided insurance regularly but I don't have that as part of my ACA insurance because again, it is unaffordable.


In that case, forget this whole pot shop and look into buying some REITs (Real estate investment trusts). Or invest in QCLN, a ETF that invests in companies that produce and distribute green energy. You're looking for a get rich quick scheme, not a solid investment. You don't even have any money. You can't afford to lose $92,000 when you have $0.


The deadline for submitting a claim was September 4th, 2016 - therefore you are no longer eligible. That being said, you probably did not miss much. According to the settlement notice you can expect to be paid about 14 cents per share, on claims exceeding $10 (below $10 you don't get paid). Read the settlement notice for more info.


I really like wireless charging, not a deal breaker though. I find the larger screen more usable. I rarely use my phone for calling anymore, so the increased size if helpful. My phone spends most of its time held horizontally. I also really like the customization. I know this isn't for everyone. I am a tinkerer so I like android for the same reason I like PCs. There is just a lot more freedom. Apple products are great but I find them more like appliances they work and typically they work well. I like my nexus devices I have had for their bang for the buck value as well. I like buying an unlocked device for a great price. I occasionally travel for work and I like having an unlocked device. I also hate being locked into a contract, so the purchase price really helps compared to an iPhone. My biggest problem with android is the lack of accessories. I wish we had the amount that apple users do. It is all worth it though. I am open to having an iPhone. I am always looking over the fence but I feel their high cost of entry will keep me away unless something amazing happens with them.


Pollution through industrialization, construction activities are some of the critical threats surrounding the wildlife and forests in India. It is very important to maintain a balance between environment and development. So, it is mandatory to obtain clearance from National Board for Wildlife for any amusement of land, water from a sanctuary, as per Section 29 of the Wild Life Protection Act, 1972. National Board for Wildlife estimates the informative impact on biodiversity of the protected area. Website: http://www.propertydocumentverification.com/blog/clearance-from-national-wildlife-board/


There's absolutely nothing wrong with unskilled labor. But Walmart is such a large part of the US economy that an increase in their wage base would definitely have an impact on inflation, so that any broad based increase they gave would likely have a marginal impact on quality of life. It would also make their items more expensive two times over, one, because it would cause inflation that other employers have been resisting raising wages to keep pace with, and the more direct route of increased costs. Whatever you pay unskilled labor, the market will simply raise prices to a level where unskilled labor still have a tough time affording a comfortable lifestyle. Look at Australia as an example of what happens when you raise the minimum wage too high.


I started a copy shop in 1996 and found my notebook from that period just the other day. I was OBSESSED with copyright issues and how Kinko's had closed 25% of their stores -- mostly in college towns where they do course packs. Turns out, if you're NOT a multi-million dollar national chain, the book publishers DON'T want anything to do with persecuting you. You're overthinking it IMHO. Talk to an insurance agent and a lawyer and you should be fine.


"I have them and they screwed up signed me up for a $25 a month internet plan then when my internet wasn't working on the date it was supposed to be activated I called them and they suspended my account till a technician could come by. I live in a super old house so I expected problems. That's fine. A week later I had internet but my bill was changed to $50 a month and a different account number. And there is apparently ""no record"" of $25 a month even or account even happening."


The essential difference b/n ADR and a common share is that ADR do not have Voting rights. Common share has. There are some ADR that would in certain conditions get converted to common stock, but by and large most ADR's would remain ADR's without any voting rights. If you are an individual investor, this difference should not matter as rarely one would hold such a large number of shares to vote on General meeting on various issues. The other difference is that since many countries have regulations on who can buy common shares, for example in India an Non Resident cannot directly buy any share, hence he would buy ADR. Thus ADR would be priced more in the respective market if there is demand. For example Infosys Technologies, an India Company has ADR on NYSE. This is more expensive around 1.5 times the price of the common share available in India (at current exchange rate). Thus if you are able to invest with equal ease in HK (have broker / trading account etc), consider the taxation of the gains in HK as well the tax treatment in US for overseas gains then its recommended that you go for Common Stock in HK. Else it would make sense to buy in US.


I say get rid of the awful ones but keep the good ones. Man, oh man, have I worked with middle managers that took care of a lot of mundane stuff like interdepartment relations, politics, filling out applications and having to even deal with tech support. I'm not sure if I want to deal with the suits or not. Now, there gets to be problems when you overdo it with the layers. Also, it gets problematic if too many back-scratchers and people protective of their own asses get involved.


Apart from who owes the debt you also have to consider how likely it is for the country to pay off its debt. Greece has no major industries, no reliable source of income either. Japan on the other hand is one of the world's biggest manufacturing nations.


Teachers make great money, get even better benefits, and work a part time job. In Dallas, they start at over 50k, get a benefits package including early retirement that is impossible to get in the private sector, and only work 180 days a year.


Shareholders are NOT better off in the *long* run if they drive the legitimate streaming companies out of business. If they took 20% less, they'd had a reliable stream of income for virtually forever. If they don't, they collect more for a few years, then get busted down to zero when the streaming companies go out of business and people just go back to stealing music.


I work as a fb ad freelancer, so many people buy from fb. What makes fb ironic is that nobody logs in and says 'ah time to buy some shoes'. But with good content and a nice funnel, lots of brands are selling.


This article is hilariously wrong. They studied companies that are already structured in such a way that they pay far less than statuatory rates. The VAST majority of companies do not have sprawling international operations and cannot benefit from these types of structures, thus they are paying tax rates far closer to statuatory rates. The study is looking at the WRONG companies and drawing a false conclusion from them. It’s simple math. Reducing tax rates makes companies more profitable, providing more capital for expand and grow. Growth requires adding employees. Only a moron would argue that companies are better off and will grow faster when more of their profits are taken from them via taxation.


Not if the bonuses are also on a grid. At my work it's the same way -- you get paid a certain amount for every year of tenure you have at the company (outside experience generally doesn't count) and then the bonus varies depending on how your performance rating goes. Everybody knows what the bonus levels are.


"Don't put money in things that you don't understand. ETFs won't kill you, ignorance will. The leveraged ultra long/short ETFs hold swaps that are essentially bets on the daily performance of the market. There is no guarantee that they will perform as designed at all, and they frequently do not. IIRC, in most cases, you shouldn't even be holding these things overnight. There aren't any hidden fees, but derivative risk can wipe out portions of the portfolio, and since the main ""asset"" in an ultra long/short ETF are swaps, you're also subject to counterparty risk -- if the investment bank the fund made its bet with cannot meet it's obligation, you're may lost alot of money. You need to read the prospectus carefully. The propectus re: strategy. The Fund seeks daily investment results, before fees and expenses, that correspond to twice the inverse (-2x) of the daily performance of the Index. The Fund does not seek to achieve its stated investment objective over a period of time greater than a single day. The prospectus re: risk. Because of daily rebalancing and the compounding of each day’s return over time, the return of the Fund for periods longer than a single day will be the result of each day’s returns compounded over the period, which will very likely differ from twice the inverse (-2x) of the return of the Index over the same period. A Fund will lose money if the Index performance is flat over time, and it is possible that the Fund will lose money over time even if the Index’s performance decreases, as a result of daily rebalancing, the Index’s volatility and the effects of compounding. See “Principal Risks” If you want to hedge your investments over a longer period of time, you should look at more traditional strategies, like options. If you don't have the money to make an option strategy work, you probably can't afford to speculate with leveraged ETFs either."


Yah, I haven't played in this space very much. My only exposure was visiting a weather insurance company who wanted the fund I was at to take the other side of their bets - paying us a fixed amount and having us cover them whenever their losses were over a certain amount for the month. It looked like a pretty bad deal, but apparently some multi-strat hedge-fund eventually went with it for the uncorrelated beta.


"> hating on women you stupid bitch Oh the irony! > Employers don't want to have to incur the cost and expectation of women leaving work for eight weeks. Because reproducing for more workers is a useless endeavor. > Get it through your stupid feminist head that when you demand laws for special benefits they end up biting you in the ass later on. You asked for this shit so shut the fuck up and take it. I think you're the bitch. You have to let out your aggressions on the internet tough guy. How about me and you meet at the bar of your choosing, so I can show you just how much of a little pussy bitch you are. You wanna bet I could knock you out with my right hand tied behind my back? Naw, nevermind. You ain't worth it. When you can't reproduce, or some stupid chick falls for your stupid dick head ways and does fall pregnant with your degenerate offspring, I hope she and your child hate you forever. I hope your son says, ""My dad was a cocksucker. He was a piece of shit that treated my mom like crap. I only wish she left him sooner. That piece of shit can rot in hell."" Because if you ever have children, that's what they will turn out like if they have any brains."


First, as noted in the comments, you need to pay attention to your network providers. If you are unable to pay exorbitant prices out of pocket, then find an in-network medical provider. if you are unhappy with the in-network provider list (e.g. too distant or not specialists), then discuss switching to another plan or insurer with your employer or broker. Second, many providers will have out of pocket or uninsured price lists, often seen in outdated formats or disused binders. Since you have asked for price lists and not been provided one, I would pursue it with the practice manager (or equivalent, or else a doctor) and ask if they have one. It's possible that the clinic has an out of pocket price list but the front line staff is unaware of it and was never trained on it. Third, if you efforts to secure a price list fail, and you are especially committed to this specific provider, then I would consider engaging in a friendly by direct negotiation with the practice manager or other responsible person. Person they will be amenable to creating a list of prices (if you are particularly proactive and aggressive, you could offer to find out of pocket price lists from other clinics nearby). You could also flat out ask them to charge you a certain fee for office visits (if you do this, try to get some sort of offer or agreed price list in writing). Most medical practices are uncomfortable asking patients for money, so that may mean flat refusal to negotiate but it may also mean surprising willingness to work with you. This route is highly unpredictable before you go down it, and it's dependent on all sorts of things like the ownership structure, business model, and the personalities of the key people there. The easiest answer is to switch clinics. This one sounds very unfriendly to HSA patients.