But the benefits in EU countries are better. I don't see a reason to go to the US for an employment, especially if there's a clock of 6 years running on it. I don't know if I can ever explain that to anyone, but moving 8,000 miles to a different continent that feels like a third world country with crazy shootings and shitty healthcare, and than when you finally get used to it and get settled in you get kicked out and besides illegally getting into a greencard marriage you can't stay. they would deport you like a criminal after paying taxes for 6 years. so yeah, in my personal opinion and pretty much every former H1b holder I know, it's not worth it as long as there's a time limit.


"I mean, in the eyes of investors it is a good investment. > ""Demand for stock from fund managers exceeded supply by more than 29 times at that price, two people said."" They also have plantations in Malaysia and Indonesia, along with refining plants in China, Indonesia, Turkey, and South Africa. So it already has a stable foot hold in various economies. Like I said, it's nice to see a business IPO that offers a tangible product with a relatively cheap IPO along with a chance to see much growth. You don't see many of these around nowadays."


Stock basically implies your ownership in the company. If you own 1% ownership in a company, the value of your stake becomes equal to 1% of the valuation of the entire company. Dividends are basically disbursal of company's profits to its shareholders. By holding stocks of a company, you become eligible to receiving dividends proportional to your ownership in the company. Dividends though are not guaranteed, as the company may incur losses or the management may decide to use the cash for future growth instead of disbursing it to the shareholders. For example, let's say a company called ABC Inc, is listed on NYSE and has a total of 1 million shares issued. Let's say if you purchase 100 stocks of ABC, your ownership in ABC will become Let's say that the share price at the time of purchase was $10 each. Total Investment = Stock Price * Number of Stocks Purchased = $10 * 100 = $1,000 Now, let's say that the company declares a dividend of $1 per share. Then, Dividend Yield = Dividend/Stock Price = $1/$10 = 10% If one has to draw analogy with other banking products, one can think of stock and dividend as Fixed Deposits (analogous to stock) and the interest earned on the Fixed Deposit (analogous to dividend).


First, you need to see if you actually qualify as a dependent under IRS rules; in short: While there may be exceptions to the cohabitation rule, I am not sure what those could be. The takeaway is that if your parent is wishing to claim you as a dependent, they must be responsible for supporting the majority of your living expenses (e.g. food and shelter). If this is the case, then the next question is to look at how the impact of the exemptions play out. In your situation, I would guess that your mother is correct: your taxable income is likely to be so low that if you do not take an exemption for yourself, you probably would still have zero or minimal tax liability; but if you mother claims you as a dependent, she will be able to take a deduction. In the case of your grants and loans, the loans should not be taxable income since these need to be repaid (presumably, with future earnings). Federal grants may be taxable--basically, the portion of the grant that is used solely for paying educational expenses toward a specific degree (tuition and books) is non-taxable, but the remainder may be subject to tax. As for tax credits, you would need to see how much you would get and how they would apply to you. The bottom line is, there are too many variables to say for certain what the best approach would be, so both your and your mother's returns must be prepared under each scenario (you as her dependent, versus you claiming a personal exemption).


What California will prove is that the paying system isn't the cause of the skyrocketing prices. It is the huge amount of demand side subsidization of the health care industry primarily from Medicare and Medicaid. Anyone who believes this will save anything has a short memory of California's record on cost saving legislation.


OptionsXpress includes India in the list of countries where is possible to open an international account to invest in the US Stock Market. They just merged with Charles Schwab and they have a nice online trading platform. Stocks and ETFs are little bit pricey.. Get in touch with them to get more information.


"If you are living near a land-grant university, you might be able to find help from the university's Extension Service. In many land-grant universities (the land grants were given to universities formed for the purpose of improving ""agricultural and mechanical arts""), the Extension Services have expanded beyond farm-related services to include horticulture, food and nutrition counseling, consumer finance, money management and budgeting advice etc. See, for example this site."


You should pay things off every month. You don't want to be paying 10%-25% interest if you don't have to. If you regularly use you card, the credit agencies can't tell the difference. The way it works is that every month, they send the credit agencies your current balance and if you paid the last bill on time. There is nothing that indicates if this is a standing balance, or if you charged all of it since the last payment. Any business that you legitimately owe a debt to can report that to the credit agencies. Not all of them do. This includes utilities, cell phone companies, landlords, etc. If any of them report overdue items it will show up on your credit report, and your credit card company can use that to raise you interest rate. Some cards will automatically raise you credit limit. They are basically looking to make money fro you. If you often charge near the limit, and pay the minimum balance each month, they may raise your limit to get you to charge more, and pay more interest. You can also call them and ask. They have some internal rules to decide if, based on your history with them and your credit history, if you are a good risk.


I love how this probably won't get many replies because your in the trenches doing it, keep up the hard work. I graduated high school with 1k in savings and dropped out of college to help support my depressed and unemployed mother with some help from my Father. I am now a married new construction homeowner and we take home enough money to have new cars, save for retirement, and enjoy life with no college degrees. I went from 8 an hour to over 35 now in 4-5 years. We both had to get off social media because of all our old high school friends who went to college for garbage degrees, never tried to get entry level jobs in their industry while in school or network, and now cry all day about how Bernie sanders didn't win the election and why school should be free so they don't have to pay off debt for a worthless degree as they wait tables. No sympathy


It's still early days, too. Most people have heard of Bitcoin, but not nearly as many of Ethereum, and barely anyone about one of the other four or five runner ups. All of them are growing and building an ecosystem, and starting to replace old ways of doing things. Very interesting times ahead.


I've never been involved with an HOA, but in organizations that I've been involved in, we had 'building funds', which were a dedicated part of the membership fees devoted to building up money for an event, building maintenance etc. My church when I was a kid had a heat fund in the summertime. Build up a fund, and spread the projects around... that's the affordable way to do things. But you need good governance, otherwise you end up with some yahoo blowing the money on something frivilous when there is a sparsly attended meeting.


Don’t waste time trying to create a video on your own. Why do it when you have expert animation video makers by your side? They are skilled in the art and science of creation, copy, edit, and finalization of the video to give you a refined version of your content.


Okay awesome. Thank you for your answer! I plan on developing it myself that's why I feel like time is not on my side, hence my concern because people can implement the idea a lot faster and easier than I can. Thanks!


Asshole might be a bit strong. In the half dozen or so interviews I've seen with him, he's short with people, defensive, and doesn't appear very friendly. He also made a joke about Joe Biden when Biden got choked up over his dead son. Fuck Joe Biden for a lot of reasons, but not cool on Ackman's part.


Check out r/flipping. It is in line with your original method of accumulating capital, with more complexity and potential for profit. Many people quit their jobs and do it about 20 hrs per week with better pay, but more risk. Amazon and Ebay are your pals.


Could be misunderstanding your context. But ev = equity + debt - cash. So don't think it makes sense for an equity holder to have an individual ev/ebitda different from the company's. Are you asking in context of valuing equity and debt from an ev/ebitda multiple?


"Interesting article! I feel like it focuses a little heavy on that line in the 10-K though, that doesn't seem terribly uncommon. Seems like the article is trying to do a ""gotcha"" bit with it. I think the story of the disappearing executives is much more interesting without bringing the generic 10-K disclaimers into it at all."


You can only grow your fucking corn in farmville so many days before the thrill wanes I guess. Seriously, Zynga was an even dumber bubble than Facebook itself. There whole business model is stealing other people's ideas, then getting you to annoy your friends by spamming their walls. This is not a never ending growth strategy.


There are two reasons for incorporating a business in Canada - limiting liability and providing some freedom in structuring your taxes. Since you are asking about taxes, I will restrict myself to that topic. First of all, remember that if you don't make much money, there isn't much tax to save by clever structuring of your affairs. And if you do incorporate, you will pay taxes as a corporation, and pay taxes again on your salary paid from that corporation. It can still be advantageous, because the small business tax rate is less that the higher tax brackets of personal taxes, and you don't have to pay out all of the profit as salary. If you don't incorporate, you still must pay taxes on your net income from the business. (See brian's answer.) Definitely keep track of your income and expenses, even if you don't plan on making money, in case you get audited. If the CRA wants to call your hobby a business, you will need to show that you haven't made any profit. I am just giving you a few bits of advice because this subject is complicated. Too complicated for an answer on this site. If you are still interested, go to your local library and get some books on the subject.


I was fairly serious about Spanish in high school. The front desk person was a mom of a friend and Puerto Rican so she said she was only going to speak Spanish to me. When I asked her the word for tissue she told me it was Kleenex and said she genuinely didn't know another word for it.


"There are two umbrellas in investing: active management and passive management. Passive management is based on the idea ""you can't beat the market."" Passive investors believe in the efficient markets hypothesis: ""the market interprets all information about an asset, so price is equal to underlying value"". Another idea in this field is that there's a minimum risk associated with any given return. You can't increase your expected return without assuming more risk. To see it graphically: As expected return goes up, so does risk. If we stat with a portfolio of 100 bonds, then remove 30 bonds and add 30 stocks, we'll have a portfolio that's 70% bonds/30% stocks. Turns out that this makes expected return increase and lower risk because of diversification. Markowitz showed that you could reduce the overall portfolio risk by adding a riskier, but uncorrelated, asset! Basically, if your entire portfolio is US stocks, then you'll lose money whenever US stocks fall. But, if you have half US stocks, quarter US bonds, and quarter European stocks, then even if the US market tanks, half your portfolio will be unaffected (theoretically). Adding different types of uncorrelated assets can reduce risk and increase returns. Let's tie this all together. We should get a variety of stocks to reduce our risk, and we can't beat the market by security selection. Ideally, we ought to buy nearly every stock in the market so that So what's our solution? Why, the exchange traded fund (ETF) of course! An ETF is basically a bunch of stocks that trade as a single ticker symbol. For example, consider the SPDR S&P 500 (SPY). You can purchase a unit of ""SPY"" and it will move up/down proportional to the S&P 500. This gives us diversification among stocks, to prevent any significant downside while limiting our upside. How do we diversify across asset classes? Luckily, we can purchase ETF's for almost anything: Gold ETF's (commodities), US bond ETF's (domestic bonds), International stock ETFs, Intl. bonds ETFs, etc. So, we can buy ETF's to give us exposure to various asset classes, thus diversifying among asset classes and within each asset class. Determining what % of our portfolio to put in any given asset class is known as asset allocation and some people say up to 90% of portfolio returns can be determined by asset allocation. That pretty much sums up passive management. The idea is to buy ETFs across asset classes and just leave them. You can readjust your portfolio holdings periodically, but otherwise there is no rapid trading. Now the other umbrella is active management. The unifying idea is that you can generate superior returns by stock selection. Active investors reject the idea of efficient markets. A classic and time proven strategy is value investing. After the collapse of 07/08, bank stocks greatly fell, but all the other stocks fell with them. Some stocks worth $100 were selling for $50. Value investors quickly snapped up these stocks because they had a margin of safety. Even if the stock didn't go back to 100, it could go up to $80 or $90 eventually, and investors profit. The main ideas in value investing are: have a big margin of safety, look at a company's fundamentals (earnings, book value, etc), and see if it promises adequate return. Coke has tremendous earnings and it's a great company, but it's so large that you're never going to make 20% profits on it annually, because it just can't grow that fast. Another field of active investing is technical analysis. As opposed to the ""fundamental analysis"" of value investing, technical analysis involves looking at charts for patterns, and looking at stock history to determine future paths. Things like resistance points and trend lines also play a role. Technical analysts believe that stocks are just ticker symbols and that you can use guidelines to predict where they're headed. Another type of active investing is day trading. This basically involves buying and selling stocks every hour or every minute or just at a rapid pace. Day traders don't hold onto investments for very long, and are always trying to predict the market in the short term and take advantage of it. Many individual investors are also day traders. The other question is, how do you choose a strategy? The short answer is: pick whatever works for you. The long answer is: Day trading and technical analysis is a lot of luck. If there are consistent systems for trading , then people are keeping them secret, because there is no book that you can read and become a consistent trader. High frequency trading (HFT) is an area where people basically mint money, but it s more technology and less actual investing, and would not be categorized as day trading. Benjamin Graham once said: In the short run, the market is a voting machine but in the long run it is a weighing machine. Value investing will work because there's evidence for it throughout history, but you need a certain temperament for it and most people don't have that. Furthermore, it takes a lot of time to adequately study stocks, and people with day jobs can't devote that kind of time. So there you have it. This is my opinion and by no means definitive, but I hope you have a starting point to continue your study. I included the theory in the beginning because there are too many monkeys on CNBC and the news who just don't understand fundamental economics and finance, and there's no sense in applying a theory until you can understand why it works and when it doesn't."


"See Berkshire Hathaway Inc. (BRK-A) (The Class A shares) and it will all be clear to you. IMHO, the quote for the B shares is mistaken, it used earning of A shares, but price of B. strange. Excellent question, welcome to SE. Berkshire Hathaway is a stock that currently trades for nearly US$140,000. This makes it difficult for individual investors to buy or sell these shares. The CEO Warren Buffet chose to reinvest any profits which means no dividends, and never to split the shares, which meant no little liquidity. There was great pressure on him to find a way to make investing in Berkshire Hathaway more accessible. In June '96, the B shares were issued which represented 1/30 of a share of the Class A stock. As even these ""Baby Berks"" rose in price to pass US$4500 per share, the stock split 50 to 1, and now trade in the US$90's. So, the current ratio is 1500 to 1. The class B shares have 1/10,000 the voting rights of the A. An A share may be swapped for 1500 B shares on request, but not vice-versa."


"More like sales ""guidelines"". The company asks employees to hit certain upsell goals, i.e. selling as many machines with AppleCare (extended warranty) as possible. No specific dollar amounts per employee, however each store as a whole is ranked against all other stores. They don't really get rid of people. If you are repeatedly late, you're gone. If you're a no show, you're gone. If you are like me and revealing corporate secrets, you're gone. But they don't really can you for not being a sales beast."


Shop for the quality always! Choose your favorite one football here and get it at your doorstep. No need to go market or any store, no need to be worry to find the unique and Best cheap soccer balls. All famous brands are available here at discounted price. Just choose and order your favorite brand with color option.


A few big players gobbling up 80% of a market is what enables these cartels. A functioning government is there to enforce antitrust laws, but we don't have one. I'm honestly curious - what do you think would happen with these global corporations in the absence of government?


"Typically you can use credit card balance transfers to consolidate some, or all, of your other loan balances in one place. The interest rate might be lower. Some prefer to make one payment rather than multiple payments. There is typically a fee that is imposed by the card that is originating or creating the loan. This would be the credit card you are transferring the balances. That fee is typically in the 3% to 5% range. While tempting and attractive on the surface, this plan typically leads to a worse situation then you are now. It's a ""tough pill to swallow"", but your problem is that you spend too much money. Transferring money will not change this problem, it is your behavior that has to change in order to not accumulate more debt. It has to change further if you want to get rid of the debt in a timely fashion. You would be far better served to forget about this transfer and get your life into control. Spend a lot less, earn more. Pay off the cards you have now and cut them up. Make a goal to be done in a year and figure out how to earn enough money to make that happen. BTW I am a reformed over-spender that now owes nothing. Yep my house, cars, and rental property are all paid for. You can get there too."


"Getting a loan should be hard. Who exactly is ""leaving behind a generation?"" Welcome to free market capitalism. Buy land a build a house if houses are too expensive. The world doesn't owe you anything. Figure it out on your own."


This might be a good reason to check that box saying you want paper reports for those monthly statements. After all, you don't get any cost savings for opting for electronic files. Otherwise you are stuck arguing without documentation that you lost those files proving my account balance in the EM event.


When I worked there we had a '10 Foot Rule', you had to acknowledge any customer within 10 feet of you. This rule was rarely followed as you were usually busy with something else and didn't have time to acknowledge everyone within 10 feet of you at all times. And as someone else already pointed out, they have a 'No Pressure' sales approach. This is a businesses way of telling you that they don't pay their employees on commission. So I couldn't give a crap if you bought that computer at my store or another Best Buy or at the Circuit City across the street (whoops looks like I dated myself.) I didn't see an extra penny if you bought from my store. The only thing they did pressure you to sell was extended warranties, and it was negative pressure, in that if you didn't sell enough of them you were warned and then eventually let go. Couldn't get out of that place fast enough.


"It reminds me of the Efficient Market Hypothesis, except that just states in its weakest form that the current market price accounts for all information embedded in previous market prices. In other words, people buying today at 42 know it was selling for 40 yesterday, and the patterns and such. To say that stock is memoryless strikes me as not quite right -- to the extent that stocks are valued based on earnings, much of what we infer about future earnings relies on past and present earnings. One obvious counterexample to this ""memoryless"" claim is bankruptcy. If a stock files bankruptcy, and there isn't enough money to pay senior debt, your shares are worth 0 in perpetuity."


"Any clearing/ legal experts out there? Is this possible- and if so, is it that big of a deal? Here are my thoughts: 1. The EU is right to request euros to be cleared on ""home soil"" for sovereignty reasons since 2/3s of euro currency is cleared in London. 2. Moving euro clearing back to the eurozone... would just mirror US regulations. Whats the big deal?"


"I would not advise buying a home because you think you will make money. (1) Return on Investment If you have $290K, have you asked yourself how much your investment would grow if you invested it in other ways. At 2% growth re-invested, your money would grow to $307K (or 17K) after 4 years. $290,000 * 1.02 = $295,800 * 1.02 = $301,716 * 1.02 = $307,750 (2) Homeowner Experience Without the experience of owning your own home, it's hard to know relate to complaints and expectations that your tenants might have. It's hard to know to anticipate problems and repairs and costs due to home ownership. Homeowners have many decisions to make regarding upkeep of a home. The costs are difficult to predict if you have no experience to draw upon. (3) Managing Rental Property: It's a ""job"". You either take on this responsibility, or you subcontract it to someone else who you pay to manage the property and contracts! Is this something you are passionate about doing? If you need to travel back to the home, it's clear across country. It's not close enough to visit."


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I would just take $2000 and multiply by your marginal tax rate, weight that between the 5 other people according to their share of the prize money and ask them to give you that. From your question it seems like you all have a good working relationship, I'm sure the other partners would agree to that. I think it's the simplest solution that is also fair and equitable. Basically, you pay the tax on 2000 and they pay you back for their share of the tax. Much easier than trying to pass it through your tax return for 5 separate people for a minimal amount of $'s. In hindsight, the best way to do it would have been to 1099 the person with the lowest marginal tax rate for the year to minimize the total tax paid on the 2000. Probably only would've been a few dollars difference but still the most efficient way to do it.


Which is a reasonable assumption. If he knows why he outsourced he can make policy based on those reasons. However, he has yet to give us a reason. We're only assuming he knows of policy that can stop that, yet in reality, it may be inevitable. Some things will always be cheaper from Asia. So when we he gives us a speech on policy, I'll listen, but as of now, he hasn't given us a way to keep jobs here.


"I think the £35K band applies to the ""dividend income"" not the ""dividend paid to you"", and so you would only actually get £31.5K (90% of £35K) in your pocket before the next tax band kicked in. If your company will only supplying large VAT registered entities, then register for VAT yourself and elect the Flat Rate scheme - depending on your area of business, given that you have no expenses, your company will get an extra 7% - 14% on its income for free. Your clients won't care that you charge them VAT because they'll claim it back. Finally, depending on what your company is for, beware of the dreaded IR35"


Your max contribution to your Roth IRA and your traditional IRA share the same cap, so if you are maxing your Roth IRA you cannot have a traditional one as well. I would put the additional into your 401k or perhaps a 529 if you have any kids.


I won't make any assumptions about the source of the money. Typically however, this can be an emotional time and the most important thing to do is not act rashly. If this is an amount of money you have never seen before, getting advice from a fee only financial adviser would be my second step. The first step is to breathe and promise yourself you will NOT make any decisions about this money in the short term. Better to have $100K in the bank earning nearly zero interest than to spend it in the wrong way. If you have to receive the money before you can meet with an adviser, then just open a new savings account at your bank (or credit union) and put the money in there. It will be safe and sound. Visit http://www.napfa.org/ and interview at least three advisers. With their guidance, think about what your goals are. Do you want to invest and grow the money? Pay off debt? Own a home or new large purchase? These are personal decisions, but the adviser might help you think of goals you didn't imagine Create a plan and execute it.


"Those fall under ""doing some research"" but I get what you're saying. I'm most likely in the minority from what the lines look like when I do happen to visit Walmart. Also, I'm jaded. I've known people who would just return random stuff to Walmart. Hell even stolen shit, since they will take pretty much anything. It's like an unregulated pawn shop. I have just never found myself in the position that I needed to stand in line to return something there, so I guess the service just isn't for me. I shouldn't have commented at all since my opinion is inconsequential."


Housing in New Zealand is still fairly cheap compared to a lot of European countries, even in Auckland. The subsurface might be less favorable as well: there are old volcanoes. Ideally you have solid granite to build high.


"We aren't spending $50k on an educated that goes unused anyway. >retail degree holders that would have had a better chance with a less redundant education. Which is why we should stop pushing ""college at all costs."" >There should not be a price tag on an understanding of civics Where did I say there should be?"


You can also consider getting GICs which offer early redemption - ING has pretty decent ones. Early redemption offers poorer interest than savings account, but if you go the full term the interest rates are better than savings account.


Yes, an overall $500 loss on the stock can be claimed. Since the day trader sold both lots she acquired, the Wash Sale rule has no net impact on her taxes. The Wash Sale rule would come into play if within thirty days of second sale, she purchased the stock a third time. Then she would have to amend her taxes because claiming the $500 loss would no longer be a valid under the Wash Sale rule. It would have to be added to the cost basis of the most recent purchase.


"It depends on when you're setting the goal. 1) When you have finished the year and you are filling out tax forms, your goal is to get as large of a refund as possible. 2) When the year begins afresh and you are earning money and paying taxes, your goal should be roughly to pay exactly the amount of tax owed so that at the end of the year you don't have any refund or tax owed - it's the same as getting your tax refund right away rather than waiting until after you file taxes. So you want your W4 set up appropriately (assuming you're talking about the US). I think (1) is obvious. For (2), imagine you start the year with the goal to get the largest possible tax refund at the end. Well that's simple - fill out the W4 and on line 6 (""Additional amount, if any, you want withheld from each paycheck"") tell them to withhold everything. Then at the end of the year you'll get a huge refund. Of course in the meantime, you've made an interest-free loan to the government, and you've probably had to take out a high-interest rate loan from your bank or credit card. Obviously this is bad. An argument could be made that it would be even better to slightly underpay your taxes (but not enough to owe a penalty). Ignoring human weakness, this is correct. If you have the discipline to set that money aside in a safe place, that's okay. If this would cause you to spend that money (or even save less of your other money), then this is a bad idea. So I'd really want to highlight some of this depends on your own financial discipline - is it better for you to have the money right away so that you can make good choices with how to use it now, or is it better for you to put the money somewhere out of reach so that you won't spend it on impulse purchases? (and recognize that there are ways to put it out of reach and earn interest on it rather than spending it - one good choice for you would be a Roth IRA)"


"Wait until confirmed, then eBay will send a notification that you need to ship. PayPal does have a waiting time for when the funds are ""free"" and can be withdrawn, make sure you're not confusing the two: https://www.paypal.com/us/selfhelp/article/Why-is-my-payment-from-a-sale-on-eBay-on-hold-FAQ1377 PayPal does this hold, usually 21 days, for those that are new to selling to ensure buyers are protected. I have had it happen when I sell and after 21 days, PayPal frees up the funds so I can withdraw. It's annoying, but the money is there."


"As @AlexKuhl says, ever? yes, but generally? no. If your 401k is invested in stocks and bonds, the long term return is very likely higher than the interest on a mortgage. Long term return on the stock market is around 7%. Mortgage rates these days are around 4%. Add the tax penalty on top of that and you're almost surely better to keep your money in the 401k. There's also the psychological/budgeting factor. People very often say, ""I'll pull money out of my retirement fund for this important purchase and then put it back later."" And then later comes and there are other expenses and things they want to do and they never put the money back."


"You absolutely, positively can land in jail in the United States of America for an unpaid, NON-governmental debt: ""In 2011, Robin Sanders was driving home when she saw the blue and red lights flashing behind her. She knew she had not fixed her muffler, and believed that was why she was being pulled over. She thought she might get a ticket.Instead, Sanders, who lives in Illinois, was arrested and taken to jail.As she was booked and processed, she learned that she had been jailed because she owed debt — $730 to be precise, related to an unpaid medical bill. Unbeknownst to her, a collection agency had filed a lawsuit against her, and, having never received the notice instructing her to appear, she had missed her date in court."" So, a private company is able to marshal the power of the State to arrest a person for a non-criminal act: being in debt. https://www.themarshallproject.org/2015/02/24/debtors-prisons-then-and-now-faq#.kzmmbtcOZ"


I'm afraid you're not going to get any good news here. The US government infused billions of dollars in capital as part of the bankruptcy deal. The old shares have all been cancelled and the only value they might have to you are as losses to offset other gains. I would definitely contact a tax professional to look at your current and previous returns to create a plan that best takes advantage of an awful situation. It breaks my heart to even think about it.


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"I'm not following what's the meaning of ""open a mutual fund"". You don't open a mutual fund, you invest in it. There's a minimum required investment ($2000? Could be, some funds have lower limits, you don't have to go with the Fidelity one necessarily), but in general it has nothing to do with your Roth IRA account. You can invest in mutual funds with any trading account, not just Roth IRA (or any other specific kind). If you invest in ETF's - you can invest in funds just as well (subject to the minimums set). As to the plan itself - buying and selling ETF's will cost you commission, ~2-3% of your investment. Over several months, you may get positive returns, and may get negative returns, but keep in mind that you start with the 2-3% loss on day 1. Within a short period of time, especially in the current economic climate (which is very unstable - just out of recession, election year, etc etc), I would think that keeping the cash in a savings account would be a better choice. While with ETF you don't have any guarantees other than -3%, then with savings accounts you can at least have a guaranteed return of ~1% APY (i.e.: won't earn much over the course of your internship, but you'll keep your money safe for your long term investment). For the long term - the fluctuations of month to month don't matter much, so investing now for the next 50 years - you shouldn't care about the stock market going 10% in April. So, keep your 1000 in savings account, and if you want to invest 5000 in your Roth IRA - invest it then. Assuming of course that you're completely positive about not needing this money in the next several decades."


No. Like Keshlam said, unless you have a crystal ball there is no sure thing. However based on the things you said in your question, you could be better off doing some back testing. With your findings, you can then set up trades in your favor but again it's not 100%. You may also want to check out quant finance stackexhange.


My first thought is get a Capital One Secured Card. Use it for small things and pay it all off when you get paid. It will build your credit and after six months of solid use your credit limit can go up and you can be eligible for a better non-secured card (not that you need to get one). It's great for starting or rebuilding credit.


The simple answer is absolutely. With the parameters you quote, if you will pay off the loan in 82 months or less, you will be ahead taking the variable rate. You have put your finger on the important question as well. The higher initial interest is buying insurance against rates rising if you don't pay off the loan within 82 months. I suspect the contract loan term is much longer than that, because otherwise a variable rate does not make sense. You need to assess whether the insurance you are buying is worth the premium. You can look at what the formula for the variable rate would set the rate at today. It is probably somewhat higher than the 3.79%. That will tell you how much rates have to rise to make the variable rate go above 5.02%. Note that if the loan term is around 160 months (and it could well be 180 months, 15 years) you can afford the interest to rise to about 6.2% for the last half and you will still be dollars ahead. It could even rise higher if you discount expenses in the future. You could also hope that if inflation rises to make interest rates rise like that you will get cost of living raises that make this easy to pay.


I would also be getting out of the stock market if I noticed prices starting to fall and a crash possibly on the way. There are some good and quite simple techniques I would use to time the markets over the medium to long term. I have described some of them in the answer to this question of mine: What are some simple techniques used for Timing the Stock Market over the long term? You could use similar techniques in your investing. And in regards to back-testing DCA to Timing The Markets, I have done that too in my answer to the following question: Investing in low cost index fund — does the timing matter? Timing the Markets wins hand down. In regards to back-testing and the concerns Kent Anderson has brought up, when I back-test a trading strategy, if that strategy is successful, I then forward test it over a year or two to confirm the results. As with back-testing you can sometimes curve fit your criteria too much. By forward testing you are confirming that the strategy is robust over different market conditions. One strategy you can take when the market does start to fall is short selling, as mentioned by some already. I am now short selling using CFDs over the short to medium term as one of my more aggressive strategies. I have a longer term strategy where I do not short, but tighten my stop losses when the market starts to tank. Sometimes my positions will keep going up even though the market as a whole is heading down, and I can make an extra 5% to 10% on these positions before I get taken out. The rare position even continues going up during the whole downturn and when the market starts to recover. So I let the market decide when I get out and when I stay in, I leave my emotions out of it. The best thing you can do is have a written trading plan with all your criteria for getting into the market, your criteria for getting out of the market and your position sizing and risk management incorporated in the plan.


The first step is to contact the company you are considering using as an administrator. Ask if they have a loan provision. For what it's worth, I looked at Schwab, and it seems to indicate they do not offer loans against this type of 401(k). That doesn't mean no one does, just that you may need to look around.


You can do that, you aren't missing anything. It is supposed to be punishment, but as you are moving to a European country your non-penalized income would likely be taxed higher as is. I don't have info on whether you will be taxed a second time by the European country.


>When you debate someone, in a forum or somewhere other than your armchair, I suggest you forget about trying to demand a opposite answer from someone as an answer to a question. Its not only childish, its really quite silly When you post a statement as fact, you might want a single example to back it up, or at least admit you have none. *You* claimed that no empire purchased its own debt. Please back it up or admit you are wrong. You said, and I quote: >Show me some other great empire in history that managed to purchase its own debt. You still have not listed an empire that did not purchase it's own debt.


Yah...so the collapse of the housing market wiped out a generation of wealth in this country. Part of that was consumers signing onto toxic mortgages. The other part were banks willfully mischaracterizing toxic assets. So I get the argument we need less regulation , but your asshole cronies also were a huge part of why so many people lost everything. Now, because of a generational loss of wealth, student loan debt, and stagnant income, our society is forever changed. The gap between the rich and poor isn't sustainable. Now maybe regulation is part of why we haven't built pieces back. However, let's not forget that lies by banks were a big reason we are here. Most people have less than 1000 in savings and many, many people have lost all the equity in their home. Then, hedge funds bought up tons of real estate for dirt cheap and now charges rent. So, for most Americans, rentals and perpetual debt are the norm. So..i get it. We need smart regulation, but this asshat doesn't know what it's like for most of America. His industry keeps the economy going, but also fucked it beyond recognition.


Nothing at the moment. The last moron did a great deal of damage as he and his economic advisers came up with Zero Interest Rate Policy which amounts to monetary heroin addiction. The out of control equity inflation we see in the stock market is merely a symptom of the monumental destruction quietly and insidiously brought on by the heroin addiction. Trump is merely the patsy and he knows it. So he lies to the addicts just like they want him to.


Answer all of their questions honestly and as accurately as you can, but don't stress too much about it. If you don't know the answer to something, ask the insurance agent what it means; that's what they're there for. (If you're doing this online, email the support, or the 'live chat' feature many of them have. Or, don't do it online, if you feel better having an agent in person; nowadays, most of the major insurers are similar on price so it's not a massive savings to skip the agent.) As far as whether it's important to pick a specific insurer - that's really your call. Read reviews, understanding that folks with bad experiences are more likely to write reviews than the 90% of folks who get no benefit from homeowner's insurance. You need to make the decision as to how important reputation and ease of claims process is versus price. That's why there are multiple insurers, after all - you can decide how important it is to you. It sounds like you would prefer a simpler claims process, so perhaps you should go with someone who is known for an easier claims process (understanding that no insurer is always going to agree with every claimant 100%).


Wesley Crusher <cmdr.wes.crusher@gmail.com> 6:55 PM (2 minutes ago) to billg, david.gruber, steve, kline, Satya, solidwhiterook Your failure to respond is an act of war against the federation. https://www.reddit.com/r/business/comments/6gopwy/100bn_challenge/ Good luck with the DDOS attack I just launched against NickServ.


The name as it indicates is a company which helps companies to find appropriate applicants for the position of executives. Every year there are numerous specifications for executives, in various companies. But the process of choosing becomes more difficult if the company straight tries to search for applicants through a standard marketing method.


"You can't short a stock unless there is someone willing and able to ""lend"" shares to you. And there are several reasons why that might not be the case. First, BSFT is a ""new"" stock, which means that NO ONE has held it very long. It's much easier to short IBM or Exxon Mobil, where there are some long-term holders who would like to earn a little extra money lending you THEIR shares. But if ""everyone"" involved is busy buying or selling the stock, there won't be many people to lend it. That's not manipulation, that's just the market. Another reason may be a large ""short"" interest. That is many OTHERS have shorted it before you. That's dangerous for you, because if some lenders want to pull their shares off the market, they can cause a ""short squeeze"" that will drive the price much higher. And stock shortages can be orchestrated by the company or large investors to artificially drive the price higher. Unless you have a lot of experience, don't try shorting small cap stocks. Try to gain some experience with large caps like IBM or Exxon Mobil first. Those are stocks that people at least can't ""play games"" with. YOu will win or lose based on the market itself."


"You have to realize that you're trying to have your cake and eat it too. You want to do things ""unofficially"" by not reporting the accident (to insurance companies and/or police), but you want to do it ""officially"" in that you want to have legal recourse if they try to hit you up for more money. The only way to have it both ways is to trust the other person. From a financial perspective, ultimately you need to decide if the monetary cost of your raised insurance premiums, etc., outweighs the cost of whatever money the other party in the accident will try to squeeze out of you (factoring in the likelihood that they will do so). You also would need to factor in the likelihood that, rather than trying to scam you, they'll pursue legal action against you. In short, from a purely monetary perspective, if the legitimate cost of repairs is $700 and the cost to you of doing it by the book via insurance is $2000, you should be willing to be scammed for up to $1300, because you'll still come out ahead. Of course, there are psychological considerations, like whether someone unscrupulous enough to scam you will stop at $1300. But those numbers are the baseline for whatever outcome calculations you want to do. On the more qualitative side of things, it is possible they're trying to scam you, but also possible they're just trying to hustle you into doing everything quickly without thinking about it. They may not be trying to gouge you monetarily, they just want to pressure you so they get their money. I agree with other answerers here that the ideal way would be for them to send you an actual bill after repairs are complete. However, you could ask them to send you a written copy of the repair shop estimate, along with a written letter in which they state that they will consider payment of that amount to resolve the issue and won't pursue you further. The legal strength of that is dubious, but at least you have some documentation that you didn't just try to stiff them. If they won't give you some form of written documentation, I would read that as a red flag, bite the bullet, and contact your insurance company."


"Gross income is used because there are a lot of variables inherent in the calculation of a ""net income"", including a lot of things under your direct control that you could use to game the system. ""Net Income"", as others have inferred, is a very flexible term. For the average individual, the definition that would most easily come to mind is likely post-deduction, post-tax earnings; ""take-home pay"". It sounds reasonable, too, as the amount you take home each month can be easily demonstrated with your two most recent pay stubs (which you need to bring in anyway to verify gross earnings). However, even that simplistic definition is fraught with possibility. You have the ability to modify your pre-tax deductions, such as for retirement or healthcare, and that in turn affects your taxes and thus your net take-home pay. To assume that you won't do that is foolish for the loan officer. Other definitions of ""net income"", such as, in the case of shopping for a house, ""disposable income plus current rent"", are the result of even longer lists of deductions from gross pay. Many are also dependent on your current home; your electric bill is a function of the size, location and construction of your current home, all of which will change as soon as you move in. Your other bills, such as telecom (TV/phone/internet) are also more or less location-dependent, as even within a single city or metro area, your choice of services and service providers is dictated by the home's physical location. You may have to pay through the nose right now because your current home isn't serviced by anyone's fiber-optic network, while the home you're moving into could be in a hotly-contested area with access to multiple fiber-optic trunks. So, to simplify all this, mortgage companies simply ask for gross income, then apply a metric that makes relatively conservative assumptions about your spending habits to arrive at a final amount. The upside is simplicity, the downside being that two people both making $60,000/yr may have two completely different financial pictures behind that single number."


I think they give away their shit for free (right?) but if not... 100% true. definitely going to be everywhere in China immediately... not even a debate. people here who doubt this don't work in a Chinese company


Have you looked at 529 plan yet? There are tax benefits with it and you can roll over the remaining funds from your first child's account into your second child's, etc. Read this article to get yourself up to speed for this plan. Coverdell Education Savings Account is another plan you can look at. The Wikipedia article talks about the similarities and differences, so I won't repeat here.


Because surprisingly few countries actually do the single payer system (i.e. only the government pays all medical bills). Many of the countries everywhere else have multipayer/multitiered systems that guarantee universal coverage. This is usually a combination of strong protections for preexisting conditions, individual mandates, and subsidies. The goal is universal coverage, single payer is just a means.


"Mervis Diamond is voted as ""Best Place to Buy a Diamond"" by the readers of WashingtonPost.com. It is not a normal jewelry store. They specializes in diamond engagement rings and wedding bands, diamond studs, and much more. With their roots at diamond mines in South Africa, they maintain strong relationships and import all their own diamonds. Mervis has a reputation you can trust. For any budget, they will get you the biggest and most brilliant diamond possible, and save you some dollars in the process."


"You ask multiple question here. The 401(k) - move it to an IRA. As others stated,this will lower your costs, and open up a potential I didn't see mentioned, the conversion to a Roth IRA. A year in which your income is lower than average is a great opportunity to convert a bit of the IRA enough to ""top off"" the lower bracket in which you may find yourself. The company stock? If you never worked for the company would you have bought this stock? Would you buy it now? If not, why keep it? The loan is the toughest decision. Will you sleep better if it were paid in full? What's the rate? 6% or more, I'd pay it off, under 4%, less likely. I'd invest much of the cash and the $8000 in stock in a Dilip-recommended VFINX, and use the dividends to pay the loan each month."


"Massachusets does no such thing. The 5.25% tax is only on realized gains. ""Unearned"" means ""doesn't tie to your trade/business"", i.e.: is not gained through your personal performance."


what you aim to do is a great idea and it will work in your favor for a number of reasons. First, paying down your loan early will save you lots in interest, no brainer. Second, keeping the account open will improve your credit score by 1) increases the number of installment trade lines you have open, 2)adds to your positive payment history and 3) varies your credit mix. If your paid your car off you will see a DROP in your credit score because now you have one less trade line. To address other issues as far as credit scoring, it does not matter(much) for your score if you have a $1000 car loan or a $100,000 car loan. what matters is whether or not you pay on time, and what your balance is compared to the original loan amount. So the quicker you pay DOWN the loans or mortgages the better. Pay them down, not off! As far how the extra payments will report, one of two things will happen. Either they will report every month paid as agreed (most likely), or they wont report anything for a few years until your next payment is due(unlikely, this wont hurt you but wont help you either). Someone posted they would lower the amount you paid every month on your report and thus lower your score. This is not true. even if they reported you paid $1/ month the scoring calculations do not care. All they care is whether or not you're on time, and in your case you would be months AHEAD of time(even though your report cant reflect this fact either) HOWEVER, if you are applying for a mortgage the lower monthly payment WOULD affect you in the sense that now you qualify for a BIGGER loan because now your debt to income ratio has improved. People will argue to just pay it off and be debt free, however being debt free does NOT help your credit. And being that you own a home and a car you see the benefits of good credit. You can have a million dollars in the bank but you will be denied a loan if you have NO or bad credit. Nothing wrong with living on cash, I've done it for years, but good luck trying to rent a car, or getting the best insurance rates, and ANYTHING in life with poor credit. Yeah it sucks but you have to play the game. I would not pay down do $1 though because like someone else said they may just close the account. Pay it down to 10 or 20 percent and you will see the most impact on your credit and invest the rest of your cash elsewhere.


There's a primer on valuing community banks by oddball Stocks, an investor who specializes in that kind of stuff. I can't link it cause I'm on my phone, but just search it up on Google and I'm sure you'll find it.


"India allows partial convertibility of Rupee on account of ""Capital"". India is moving toward full convertibility in few years. An India can repatriate funds out of India to a limit of 50,000 USD per year [Needs confirmation] ... Consult a professional CA to advice you better."


I'm aware of how credit cards work, in fact I basically said the same thing in my original comment. >because you get this nifty smartphone pluggable credit card swiper, you end up paying more than the alternate options. Granted I am in no way knowledgeable of the alternates (as in, mobile credit card machines?), but I assume they aren't as easy to set up. -Square costs more -Other options aren't easy I guess my inquiry should be more targeted towards how regular credit card transactions are processed in the mobile space. Honestly I have no idea, and I assume that's why Square is popular. I still see some places at the farmers market with the carbon copy slider thing, but then I also see some rocking what seems to be a regular credit card swiping gizmo. Making 0% on a nonsale vs 90% on a square sale obviously makes sense, but I'm wondering if there's a less convenient, although more profitable sale (regular 97% Visa/MC) that people simply aren't aware of.


Supplier of Ramming mass in India http://quartzpowdermanufacturers.com/supplier-of-ramming-mass-in-india.php Shri Vinayak-Quality of Acidic Ramming mass is directly related to the heating performance of the furnaces. It gives furnaces the perfect lining and the quality of Silica Ramming mass if responsible for the smooth and flawless working of furnaces. It enhances the workability of the furnace and one can find more efficient output from furnace. Better quality of lining results in the smooth working of furnaces.


It's done by Opening Auction (http://www.advfn.com/Help/the-opening-auction-68.html): The Opening Auction Between 07.50 and a random time between 08.00 and 08.00.30, there will be called an auction period during which time, limit and market orders are entered and deleted on the order book. No order execution takes place during this period so it is possible that the order book will become crossed. This means that some buy and sell orders may be at the same price and some buy orders may be at higher prices than some sell orders. At the end of the random start period, the order book is frozen temporarily and an order matching algorithm is run. This calculates the price at which the maximum volume of shares in each security can be traded. All orders that can be executed at this price will be filled automatically, subject to price and priorities. No additional orders can be added or deleted until the auction matching process has been completed. The opening price for each stock will be either a 'UT' price or, in the event that there are no transactions resulting form the auction, then the first 'AT' trade will be used.


> corporate strategy vs. corporate finance vs business development? Broadly speaking there are different functional roles (regardless of title) that are involved in: - Financial Planning and Analysis (FPA). Forecasting, variance analysis (demand, supply etc.), pricing strategy, etc. Depending on your skill set, they can be viewed as basic excel work or more complex optimization problems. - Strategic planning, M&A. Build or buy analysis. Market analysis, etc. This area is more on the capital allocation side in terms of whether or not a company should buy a competitor or build their own product line/service in a given area, geography, etc. Investment banking backgrounds are helpful here. - Communication. There is a side of the business involved in presenting the company's business strategy to outside parties whether that be creditors or investors (stock holders). The 'marcom / IR' (marketing communications, investor relations) side of the business involves presenting the company's strategy, forecast and results to outside parties. This could also include the board of directors or senior management. If you have a strong quantitative background at the engineering level, your ability to take differential equations and translate that to forecasting/econometric time series won't be difficult. But for a lot of people that will be overkill and they only want basic Excel skills and understanding of finance/accounting.


Your calc is spot on, the output is small because it's just 5 days worth of interest, and at today's low rates that's practically 0. Also the rate you would want to use is money market rates as that's typically where companies will park cash to earn interest since its a highly liquid market.


Just out of curiosity, what if one of those CEOs told Warren Buffett to 'stick it' could Warren Buffett have them removed or would the CEO's board of directors or whatever mechanism the company has only have that right (I mean, not removal for cause, which I am sure is built in but for purely personal reasons)? Just wondering how autonomous some of these companies are because it seems like a handful of corporations own most of the others.


"Can't agree there. He drives a modest car (Cadillac) that is a few years old, lives in a decent but not huge or fancy house, and really doesn't spend much on ""indulgences"". To him, money seems to be more about the process of making it through business, than actually having or spending it."


I guess when the world finds out your missile shield is little more effective than a sanitary napkin . .the tone changes . .damn It seems obvious now that ISIS/ISIL or what ever they call them now days are funded and supported by the Israelis and Americans. I think the giveaway was that the hardcore Islamic fundamentalist terrorists bent upon the destruction of Israel could not find Israel from Syria.


When I ran a gas station, our price was largely set by our neighbors-- the other gas stations in the area. We couldn't go below the current cost of replacement gas, but other than that we wanted to be at .05 over the average. (We got away with charging more because we were the last station on a major road.) Everybody else did the same thing. Also, we only set prices once a day, early in the morning before the commuter rush. Changing prices while somebody is pumping gas Was Not Done, for fairly obvious reasons. So, you'd get these ripples of price-changing, as one station changed its price, and then all its neighbors would react to that the next day, and then THEIR neighbors would change the day after that, and so on.


"In the United States tax law, a group of people who are neither an individual nor an incorporated entity is called ""partnership"". Here's the IRS page on partnerships. Income derived by such a ""meetup.com"" group is essentially a partnership income with the group members being the partners. However, as you can see from the questions in the comments, the situation can become significantly more complex if this partnership is not managed properly."


Well, one can easily have rates below -100%. Suppose I start with $100, and end up with $9 after a year. What was my rate of return? It could be -91%, -181%, -218%, or -241%, or something else, depending on the compounding method. We always have that the final amount equals the initial amount times a growth factor G, and we can express this using a rate r and a day count fraction T. In this case, we have T = 1, and B(T) = B(0) * 0.09, so: So, depending on how we compound, we have a rate of return of -91%, -181%, -218%, or -241%. This nicely illustrates that:


I don't understand why youre being downvoted. I thought the same thing, there is no way he can predict how the economy will behave in the coming years and if he wants to go on past performance there has been a general uptrend since 2009. (http://www.politifact.com/truth-o-meter/article/2012/jun/01/scorecard-economy-obama/)


If you have good credit, you already know the rate -- the bank has it posted in the window. If you don't have good credit, tell the loan officer your score. Don't have them run your credit until you know that you're interested in that bank. Running an application or prequal kicks off the sales process, which gets very annoying very quickly if you are dealing with multiple banks. A few pointers: You're looking for a plain vanilla 30 year loan, so avoid mortgage brokers -- they are just another middleman who is tacking on a cost. Brokers are great when you need more exotic loans. Always, always stay away from mortgage brokers (or inspectors or especially lawyers) recommended by realtors.


An article linked from cnn.com has some great advice, which I think are good rules of thumb. Also, at least my insurance gives a premium price for those who haven't filed a claim in 5 or more years for homeowners or rental insurance. See if you have a similar discount, will loose it, and guess how much that will cost you over 5 years. My rule of thumb: Your premium might go up quite a bit, possibly as much as triple, especially for a large claim. But, it is certainly worth it if you are going to get more than triple your premium through your claim. The worst case: Mortgage mandated insurance, which will be about triple your current cost.


You may simply be asking why stocks 'gap up' or 'gap down' when the stock market opens. This is because the price adjusts to news that occurred while the exchanges were closed overnight. Perhaps Asian stocks crashed, or perhaps a news story was released in the New York Times about some major company. There are thousands of factors that affect market sentiment, and the big gaps that happen at the open of every trading day is the price of the stocks catching up to those factors.


I would be inclined to back the 'tip jar' weblink idea, this is very prolific within the Twitch community, as a method of tipping and thereby supporting content creators. I know that there are numerous tutorials on how to set up 'tip' sites for such usage, so that may point you in the right direction. Also you could turn to crowd-funding opportunities, such as Kickstarter and others, however I am not sure on the ruling of these companies and whether you have to offer the completed project as a reward for backers (it tends to be the done thing). And depending on how serious your friends are in helping you as a fledgeling indie developer, you could investigate in setting yourself up as a limited business. This would allow your supporters to purchase shares in your business, turning them into true stakeholders, but whilst retaining the limited status of the company. However, I must stress, on this point I know very little and may be wrong (I am actually hoping someone else contradicts this so I can learn).


The Nikkei 225 is a price-weight index composed of 225 of the leading companies that trade on the Tokyo Stock Exchange.Most good binary options platforms provide their customers with the opportunity to trade options that are linked to the Nikkei 225. Traders who are interested in trading such options should carefully consider the nature of the Japanese stock market by studying how it is affected by – and has an effect on – the US economy and the US markets.


I mean that's if it correlates. Placing it in the title does imply that I guess. As for the daily swings, like any stock, [SBUX has a strong correlation to the market](http://i.imgur.com/Ksl5vF3.png). The market is up today, Starbucks isn't. Why would it be down today than? Just totally arbitrary daily swing up and down reasons? I don't see the stock going down because of the NYT article that was produced yesterday, I see it down today because of the scheduling changes they made today. I could be wrong surely investors believe that there is a correlation between scheduling software and margins at the end of the day.


That's really high for short term debt. Do some research, short term is lower risk generally so rates are low. I'm not gonna waste my time but it would have to be real junk to pay close to that high.


You don't. Say you deposited $5000. Then you converted $4950 to Roth. You declare $4950 as the amount converted and you're done.


What the BBB label tells me as a consumer is the company will be willing to work with me if there is a dispute. The rating then tells me how good they are at resolving complaints. Raw number of complaints is less important, because you kind of expect bigger companies to have more complaints.


Isn't this really the same as the adoption curve for any new personal technology, though? It starts off being the sole province of a handful of fairly-well-off nerds who don't mind wasting their time on something that may end up being a technological dead end, then becomes a high-end rich person's thing once it's proven useful or enjoyable, then as the market expands, it gets cheap enough to benefit everyone. Think of it from the point of view of the people or companies producing the enhancements. Production will get cheaper over time (possibly going close to zero if the enhancements are stuff like retroviruses) and there's usually way more money to be made in high-volume sales than in boutique products if the costs of production are low. I think the history of technology over the past century says it's pretty likely these kinds of enhancements will go down in price enough to be affordable by millions before the kinds of social problems you're talking about have time to emerge. Rich people and enhancement hackers will always be at the far end of the curve, but they won't be alone on the curve, and anyway, _someone_ has to be trying out the new stuff before it's ready for mass consumption.


I would try to avoid mixing business expenditure with personal expenditure so a second credit card might be a good idea. That said, I did get a business credit card for my company in the UK as I didn't want to be personally liable for the money that was spent on the business card (even though I owned 100% of the business) in case things went horribly wrong. As I didn't fancy signing a personal guarantee, this meant that the limit was quite low but it was good enough in most cases.


They just let you borrow a little more every months. When the owner dies/sells they get all their money + % back.


Engines also need the right attention to work healthily. Every now and then, they as for checkups and to keep them in good running condition, it is necessary to give them some regular maintenance. Keep these tips in your mind to let your engine run better and last longer, at the same time save you from spending unnecessary money later.


"First, you don't state where you are and this is a rather global site. There are people from Canada, US, and many other countries here so ""mutual funds"" that mean one thing to you may be a bit different for someone in a foreign country for one point. Thanks for stating that point in a tag. Second, mutual funds are merely a type of investment vehicle, there is something to be said for what is in the fund which could be an investment company, trust or a few other possibilities. Within North America there are money market mutual funds, bond mutual funds, stock mutual funds, mutual funds of other mutual funds and funds that are a combination of any and all of the former choices. Thus, something like a money market mutual fund would be low risk but quite likely low return as well. Short-term bond funds would bring up the risk a tick though this depends on how you handle the volatility of the fund's NAV changing. There is also something to be said for open-end, ETF and closed-end funds that are a few types to consider as well. Third, taxes are something not even mentioned here which could impact which kinds of funds make sense as some funds may invest in instruments with favorable tax-treatment. Aside from funds, I'd look at CDs and Treasuries would be my suggestion. With a rather short time frame, stocks could be quite dangerous to my mind. I'd only suggest stocks if you are investing for at least 5 years. In 2 years there is a lot that can happen with stocks where if you look at history there was a record of stocks going down about 1 in every 4 years on average. Something to consider is what kind of downside would you accept here? Are you OK if what you save gets cut in half? This is what can happen with some growth funds in the short-term which is what a 2 year time horizon looks like. If you do with a stock mutual fund, it would be a gamble to my mind. Don't forget that if the fund goes down 10% and then comes up 10%, you're still down 1% since the down will take more."


Context: assessed project as part of a tech internship in an investment bank, working in small groups, task: to design an app using a financial solution that has an ethical impact. We came up with (what I hope) is the smart sounding idea of an app for impoverished farmers in developing countries who lack the information and market access that larger or unionised farmers would have. The app would use some kind of decision tree (which may grow with machine learning) to assess the best kind of crops to grow given the region and local conditions for max profitability, and would provide access to some kind of derivatives market, and insurance, allowing the farmers a consistent income. Struggling with the specifics of how the business/finance side of things would work. Let's assume the bank builds the app and puts it on the app-store as part of some charitable initiative. 1) Would the farmers go directly to the bank to price and purchase derivatives on their crops? 2) Options/futures/forwards - which is most appropriate, or would it make sense to offer all three? 3) Is there any way this could be adjusted to provide regular payments, with a lump sum at the end? Would this be something the bank chooses to do, or is there an existing financial instrument for this kind of setup? 4) How does this tie in with the commodities markets (or is that what the derivatives already are?) 5) Probably a long-shot but any chance of know-your-customer implementations for countries with terrible infrastructure? 6) (probably a dumb question) Say the farmer sells an option on his crops, would this be sold directly to the bank or a 3rd party who'd be more interested in actually buying the crop? Or is this a far too simplistic view? Basically who would the farmer actually deliver the crops to? 7) Any other issues/oversights? Any ideas to make this sound somewhat viable? It doesn't have to strictly be realistic in any sense, but it also can't be flat-out incorrect! tyvm in advance, edited to make questions clearer


Yeah this is what I don't understand. All these business mags are so hyped about this developing market but as it stands the only one in use is my stepdad's and all he does is use it to ask the weather and crack jokes to show it off to people.


We broke up all those guys. And if you look at the numbers they are in many ways. They paid a largest percent of profits to their workers than most companies do today if you take away the money spent on the CEO and top talent. The average person makes less because corporate thought has deemed employees pay the same as every other business expense when in the past they were considered differently.


"Two things. 1. You can sue anyone for anything. You may not win, but you can sue for any reason. 2. You're confusing trademark and copyright. Copyright inheres at the moment of creation. You don't have to file a copyright to have it be enforceable. Trademark is a little trickier, but is for the protection of the consumer and use of a mark is part of what creates its value and the ability to defend it. However, you cannot copyright nor trademark ideas. Copyrights must be ""reduced to practice."" Broadly speaking, that means you have to have done something to create it, not just think about it. And trademark doesn't apply here. He could file for a patent, but that would need to have a specific filing and often takes a fairly significant amount of time in which case it's defensible even when some guy copies you. In short, guy is a moron."


Within the U.K., Third Party Resellers establish warehouses in the UK, but orders are placed overseas, and Amazon is not required to collect Value Added Tax on behalf of allegedly foreign owned resellers which rely on Amazon to sell items. Amazon also evades the payment of tax by routing all sales through Luxembourg which, thanks to Jean Claude Juncker of the EU when Prime Minister of Luxembourg negotiated a generous tax sweetheart deal for multi national corporations (incl Amazon) to establish their base in Luxembourg.


Doesn't make any sense, it's just an article for the author to feel like he's a superior strategist to Kohl's leadership & primarily rant about how crappy Amazon treats its 'partners'. However if we accept the examples as fully true, none are relevant. Kohl's isn't at all making itself dependent on Amazon, they're not giving up their control of their e-commerce site, or giving up any control for that matter. So please tell me how his history lessons apply. Unclear of the strategic initiatives? Really? I don't need an MBA to realize, ignoring AWS is probably compensating Kohl's for the moment, that there's plenty. One, it brings in more foot traffic to the store, some of which may have never stepped into a Kohl's in favor of their usual department store that competes with Kohls. Two, it has the potential to increase repeat visits from their existing customers who may need to return a package and hey kohl's takes that too, might as well take a glance while I'm there. Three, it increases their product assortment in Kohl's stores without incurring all the operational/logistic costs of adding new product lines. That's called free money off the margins. These are the kinds of deals that should be lauded; mutually beneficial partnerships between businesses that end up adding more value to the customer. Amazon gets to increase the customer experience by starting to address one of the biggest pains with e-commerce in general: the burdensome process to return something you order online. It's a great idea, and I'm sure they'll partner with other big retailers as well. That doesn't hurt Kohl's, at worst as it expands, the positive impact won't be as great because customers will have more options. no harm done. It's also naive to think Kohl's isn't getting compensated whether it's a marginal thing or some fixed contractual amount Amazon pays to Kohl's or at the minimum, covering all of the involved logistic costs Kohl's incurs to do this. Ugh, I just hate blowhards who want to pour gasoline on anything that irritates them from preconceived biases.


"My wife and I use to file ""married file separately"". I consulted a tax accountant and it does not matter who's name the accounts are under. The interest from the accounts can be counted as income on either person's tax return regardless of whose name is on the account. You can even split the interest income between the returns if that is advantageous. This is true for any income earned between the two of you. It use to be a big hassle to file this way even using the software programs. The programs would not attempt to allocate the income between the tax returns in order to minimize my tax liability. I had to do this manually. Most of the loopholes have been closed and the last couple of years I've filed ""married filed jointly"". I'm not sure how your wife's citizenship status affects any of this."


"Anything by Frank Fabozzi - the de facto authority on financial education. Most of the stuff will be textbook ($$$) so get ready for sticker shock. Hopefully you can find a used copy of something. Quick search on Amazon yielded ""The Basics of Finance"" for about $150."


The best approach depends on how much of an emergency fund you have. If you have no emergency fund Calculate how much you need in order to pay your expenses for 1 month and put at least that amount in a savings account. 3-6 months' worth of expenses is better. Put the remainder towards one credit card. If you have less than 3 months' worth of expenses in your emergency fund Deposit 1 additional month's worth of expenses into your savings account and apply the rest to one card. If you have an emergency fund that you're completely comfortable with Pay $8000 towards one card and $2000 towards the other one. Paying off one card fully gets rid of a bill that you have to think about each month, even if the two cards are otherwise identical.


Specifically, many people found out they lost their job because their pass would to open the gate to get in to their office building. These people were then diverted to a separate queue, and at the front of that was someone from HR telling them that they were no longer needed.


You can try SplashMoney. It works on many platforms, including iPhone, iPod and Mac, but also Palm OS, Android, Blackberry and windows. I've been using it —since more than two years now— with my old Palm OS PDA and it works great. As I work mainly with Linux, I've tested very few times its synchronization with its desktop companion running on windows.


"Someone has made such an app. It's called Arcade City. See https://arcade.city/ There are a few other similar projects in the cryptocurrency world, that connect buyers and sellers directly in a ""gig economy"" marketplace and allow payment in crypto. User ratings and reviews are central to the model."


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On a more serious note, I thought the major sub-reddits had a delay between the new page and the front page, to give the Knights of New some time to act. Looks like that setting got knocked offline yesterday... (eg. can someone go fix it please?)


I was once the personal assistant to two wealthy NYC sisters. They did not pay for anything. For example, if we were riding the subway, I would pay, and be reimbursed by the Company. They had multiple residences and investment properties. Each property was purchased through a separate Limited Liablity Corporation, and paid for by the Company. When they purchased, donated or sold art, it was through their family Foundation. Their income primarily came from a draw of funds from the family estate, although one of them worked as an architect, which provided further income.


Assuming neither one charges a fee and you are talking about automated non-cash, non-check transactions: Withdrawal is slightly better if you are 100% sure you have the money (or better yet, twice the money) to cover it. It puts more incentive on the bank that is responsible for the act to do it correctly, because they will then be the bank holding the money. It also creates an added check because there is no possibility of having an error in transfer information result in sending your money to the wrong account. (This is unlikely anyway, but not impossible depending on the bank and interface). Deposit may be slightly better if you are not, or if you are concerned about technical foul-ups at the bank. Depending on the bank, a deposit with insufficient funds may be cancelled rather than going through and then being cancelled, which could result in various banking fees (returned item fees, overdraft fees, etc...). If there is a technical foul-up during a withdrawal, you run the risk of having banks get confused--I know of a case where it took a major bank months to fix a withdrawal transaction that was denied the second time when they activated it twice, but the account balance mistakenly showed an extra thousand dollars for the duration.


"No what he is saying is, ""If Obama wins, you will lose your job, so it is in your best interest to vote against Obama."" I hope his employees call his bluff and vote for who they feel will do the best for them, not be bullied into voting against the candidate their CEO is against. To justify mass layoffs requires actual decreases in the companies revenue and their bottom line, not a decrease in the number of yachts the ceo could possibly buy."


What if patents were kept a secret for, say, the first year or more? Then, if anyone was able to duplicate the patent once seen in the wild without the recipe within that timeframe the patent becomes void. The whole purpose of the patent system was to bring difficult ideas out of being trade secrets and into the public's hands for their benefit with the offer of exclusivity for some time to keep the exchange fair. If anyone can duplicate one-click without any hand-holding just by using Amazon.com once or twice, there was nothing to be gained from the patent in the first place. It should have remained a trade secret.


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you don't have move across the country. just to the nearest city. that's bull tho. anyone can make it happen if they try. and if not, too bad. some people in africa are born sick and die on a rock with a bear eating them.


The care itself is among the best, but the accessibility is poor compared to other similar countries, which is taken into consideration in all these studies and analyses. It seems to be hard to have both, but we should try to get as close as possible to it.


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"I pretty much only use my checking. What's the downside? Checking accounts don't pay as much interest as savings account. Oh, but wait, interest rates have been zero for nearly 10 years. So there is very little benefit to keeping money in my savings account. In fact, I had two savings accounts, and Well Fargo closed one of them because I hadn't used it in years. Downsides of savings accounts: You are limited to 5 transfers per month into or out of them. No such limit with checking. Upsides of savings accounts: Well, maybe you will be less likely to spend the money. Why don't you just have your pay go into your checking and then just transfer ""extra money"" out of it, rather than the reverse? If you want to put money ""away"" so that you save it, assuming you're in the U.S.A., open a traditional IRA. Max deposit of $5500/year, and it reduces your taxable income. It's not a bad idea to have a separate account that you don't touch except for in an emergency. But, for me, the direction of flow is from work, to checking, to savings."


You know they take liberties to prove their points. For example, the Federal budget year runs from september to October. When Obama was elected, they use this to move the $800 billion stimulus under Bush because it was still Bush's fiscal year. However, Bush' $600 billionTARP program was repaid by the banks two years later. The repayment was put under Obama. The result was to move $1.4 trillion in obama spending to Bush. Most of this economic improvement is because of the Fed. Democratic presidents don't do anything except inhibit the economy from growth. Obama has followed this trend. We should be doing 23 times better than the 2008-2009 recession by now, but we are at only 11 times. Obama thinks helping the environment with higher energy prices and converting 1/6 the of the economy to government healthcare are more important to economic growth.


Your reaction to bad news is the greatest risk. Are you going to panic and pull all your money out when the market falls 20%? It will. Someday it will. The question is, will you have the stomach to stay the course and keep your money invested when the sky is falling and everyone is screaming that things are definitely going to get worse? If not, the timing of when you invest will matter not at all. My advice: Go all in ASAP. Remember that you don't care where the market is in 2 years. You're in your mid 40's, you care where the market is in 20 years. And 20 years from now, when you're in your mid 60's, you'll be caring about where the market is even further into the future.


The vast majority of individual taxpayers in the United States operate on a cash basis of accounting. This means that the assignment of deductions or income to tax year is based on the date of the paycheck. So the money in that early January 2016 paycheck has been correctly assigned to the 2016 tax year. This is unfortunate for you because you will receive a W-2 for 2016 showing that you had a retirement account. Knowing exactly how many paychecks there are in a year can be very import to know when trying the reach or avoid some thresholds. Even quitting the previous pay period might not have helped. I have seen some companies payout unused vacation, sick and severance over several paychecks. They didn't give you it all in one lump sum, they did it 80 hours a paycheck until the balance owed to the employee was zero.


"Isn't this effectively saying that the market responds principally to itself, and not to either economic fundamentals, or the profitability of the underlying companies. If so, the market as a ""price discovery mechanism"" is broken, and investors would be wise to do their own research."


Well you have three main options in my opinion. For cash, or any assets you can convert to cash, you could purchase bonds with a maturity date close to what you are looking to lock your funds up for. While you could sell these on a secondary market, admittedly - however you have a justification you can provide to yourself as to why you cannot sell them. Fixed term deposits often have poor interest rates, but if you ask to withdraw your money early you often forfeit all of the interest you would have gained. While your money would not be locked up, it keeps it further out of your reach, just like bonds. Every step further away from your bank account the funds get, the less likely you are to surrender to giving away money that is rightfully yours. It comes with the added advantage of typically high-returns. Trust funds can be set up with anyone as the beneficiary, and provide legal barriers so long as the beneficiary isn't also the executor. While it can be expensive to do so, you could hire a lawyer who specialises in estate law to set up a trust fund you are the beneficiary of, which has stipulations as to how and when assets can be released. I didn't include this as one of the main three, because it doesn't allow you to specify exactly when funds are released to you, but in many countries (including the US) you have special tax advantaged retirement accounts, where funds are locked away until you retire. However, it is unfortunate you even need to think about this. Another thing to consider is that if people start pressuring you for money, you should cut them out of your life.


Well, you might take a minor hit to your credit score. This is snapshot of my credit utilization written for an article on my site. The point there was that zero card use actually dinged the score, but for you, going over the 20% level is the risk. It's not too large a hit, depending how high the utilization goes. I'd not lose sleep over it. Kind of you to help.


"I agree with the answer by @Michael that this number doesn't exist. It's hard to see what use it would have and it would be difficult to track. I'm writing a separate answer because I also disagree with the premise of your question: Individual shares of stock have never to my knowledge had such a number. Your comment about numbers on stock certificates identifies the certificate document, which will generally represent multiple shares of stock. That number no more identifies a single share of stock than the serial number on a $10 bill identifies any one of the ten dollars it represents. Even at the ""collective"" unit of $10, when the bill is eventually replaced with a new one, the new bill has a new number. No continuity."


If you are being paid money in exchange for services that you are providing to your cousin, then that is income, are legally you are required to declare it as self-employment income, and pay taxes when you file your tax return (and if you have a significant amount of self-employment income, you're supposed make payments every quarter of your estimated tax liability. The deposit itself will not be taxed, however.


This depends on the loan calculation methodology. If it is on reducing balance then yes. Else not much difference


1. Where is Commonwealth of the Northern Mariana Islands (CNMI), United States of America (USA)? Where is Territory of Guam, USA? (a) http://chamorrobible.org/images/chamorrobibleproject/map-west-pacific-islands-1998.jpg (b) http://chamorrobible.org/images/chamorrobibleproject/map-commonwealth-of-the-northern-mariana-islands-1989.jpg (c) http://chamorrobible.org/images/chamorrobibleproject/map-guam-1991.jpg (d) http://chamorrobible.org/images/chamorrobibleproject/map-federated-states-of-micronesia-1999.jpg (e) http://chamorrobible.org/images/chamorrobibleproject/map-oceania-2002.jpg (f) Commonwealth of the Northern Mariana Islands, USA, photographed from outer space: http://chamorrobible.org/gpw/gpw-20040622.htm (g) Guam, USA, photographed from outer space on 30 December 2011: [4014 x 6021 pixels](http://chamorrobible.org/images/photos/gpw-201304-NASA-Philippine-Sea-Pacific-Ocean-Guam-20111230-huge.jpg) ... additional resolutions at http://chamorrobible.org/gpw/gpw-201304.htm Source for #1: http://chamorrobible.org 2. https://www.reddit.com/r/worldpolitics/comments/6nnhnl/one_of_just_17_remaining_colonies_worldwide_guam/dkasdpl


The cap loss can be used to offset future gains or $3000/yr of ordinary income. (I just used up the last of mine from the dot com bubble.) I hope you have future gains that let you use this up quickly. The IRS debt is separate, and I don't imagine they'll let you use any of the loss to offset it. As always, it can't hurt to ask. Their normal payment plans are for 5 years. $40k/yr is a lot. Edit - The IRS does negotiate. I recall, from the dot-com bubble, instances where someone exercised stock grants, but kept the shares. Now, they had a $1M gain, but after year end, the stock crashed. They owed tax on that gain, but the loss was in the next tax year, with nothing to offset. These people were 'regular' guys and gals, no background in finance. I understand the IRS looked at these people and made some exceptions.


"Technically, no. There is very little security in the US for bank drafts. With your bank account routing number it is very easy for people to draw funds without your authorization. Another thing people can do is buy stuff online with ""demand drafts"". Essentially it works like a credit card number where the create an electronic version of a check to purchase things. There is generally no password, PIN or signature requirement. That said, it is printed on every check you write so keeping it private isn't really practical. I'd make sure you trust anyone you give it to and watch your account statements closely. An important thing to know is that a routing number isn't a one-way deal. If you give out the number for someone to wire you money, they can just as easily draft on the account."


Yes, the distinction between how your funds are applied to principal vs interest is very important. The interest amount charged each period (probably monthly) is not just one fixed sum calculated at the origination, but rather is a dynamically calculated amount that changes each period relative to how much principal is remaining (amount you owe). The picture you posted showing principal and interest assumes the payer always paid their minimum payment and never made any extra payments of principal. Take a look at the following graph and play around with the extra payment fields. You will see some pretty drastic differences in the Total Interest Paid (green lines) when extra payments are made. http://mortgagevista.com/#m=2&a=240000&b=4.5&c=30y&e=200&f=1/2020&g=10000&h=1/2025&G&H&J&M&N&P&n&o&p&q&x


"In my decade with this company, I have never witnessed nor heard of times where our HR department has dealt with anything resembling points 2 - 4, these tasks are all pushed on to employees as ""projects"""


You probably can get away with only updating the exchange rates once a day and specify that any prices quoted in units other than your home currency are estimates only. If you're planning to accept more than one currency as payment, I'd (a) see about whatever regulations there are for doing so, and (b) build in a nice spread for yourself if you're allowed to, since it is a service you're providing to your customers. If you Google currency converter the first result is just that: a currency converter.


Thanks, I will try post more in the future. I actually said you can make money if you know what your doing the refurbished products not counterfeit. I don't deal in counterfeit goods at all. As an owner of several (extremely small) trademarks i think trademark infringement of goods is just not on and i wouldn't support it. Thanks


Yes, but your point doesn't really convince me - I don't believe that Andersen split into two for that reason a decade before everyone else and then failed to IPO for 12 years- and if the Andersen partners at the time stood to make money, why would they enter into direct competition before the IPO? I don't know what you call an MD at Accenture, as that's not actually a career level. I'm not in the US but Accenture partners certainly make rather more than 250k here. I know for sure that EY and Accenture are quite comparable on non-exec salary levels, at least in my market, as I know a few people who have switched between Accenture and EY without massive increases in salary. They do seem happier with the work at Big4 companies though ;)


For an American it nearly impossible to open a Swiss bank account. Even a Swiss person want to open a bank account, we have to fill out a document, which asks us if we have a greencard or other relationships with the united states. Some Swiss banks have transferred the money of Americans to Singapore to protect their clients. So you see, the Swiss banks do very much for their clients. And yes, we don't ask very much about money ;) And we are a politically neutral country, but we like the United States more than Russia and of course we have enemies, like the ISIS


There often is. And that's a problem often not faced when these *same users* pick up an Android or Apple-based OS device. These users (often Boomers) just want something to work, and wonder why things don't work as easily in Microsoft environments as they do in Apple or Android environments--same users! If Microsoft continues to alienate those users, they'll simply move to Apple/Android. Oops--too late--many already have. Microsoft may not survive this latest blunder, particularly not in their current, disconnected, bloated form.