Is selling Vested RSU is the same as selling a regular stock? Yes. Your basis (to calculate the gain) is what you've been taxed on when the RSUs vested. Check your payslips/W2 for that period, and the employer should probably have sent you detailed information about that. I'm not a US citizen, my account is in ETrade and my stocks are of a US company, what pre arrangements I need to take to avoid tax issues? You will pay capital gains taxes on the sale in Israel. Depending on where you were when you earned the stocks and what taxes you paid then - it may open additional issues with the Israeli tax authority. Check with an Israeli tax adviser/accountant.


You can use long-term options called LEAPS to increase dividend yield. Here's how it works: Let's say you buy a dividend-yielding stock for $38 that pays an annual dividend of $2 for a 5.3% yield. Next, you SELL a deep-in-the-money LEAPS options. In this hypothetical we'll sell the $25 call option for $13. That now reduces our cost basis from $38 to $25. Since the dividend remains @ $2, our yield is now $2/$25 = 8%. Now there are issues that may need to be dealt with like early assignment of the option where rolling the option may be necessary. More details of this strategy can be found on my website.


"This is the best tl;dr I could make, [original](http://bilbo.economicoutlook.net/blog/?p=36982) reduced by 94%. (I'm a bot) ***** > Today&#039;s blog completes my little history of the US Treasury Federal Reserve Accord, which really marked a turning point in the way macroeconomic policy was conducted in the US. In Part 1, I explained how from the inception, the newly created Federal Reserve Bank, America&#039;s central bank, was required by the US Treasury Department to purchase Treasury bonds in such volumes that would ensure the yields on long-term bonds were stable and low. > The Federal Reserve certainly ought not to drive rates up by selling in the market and should work with the Treasury to keep confidence in a stable market. > Third, according to Allan Sproul&#039;s 1964 Reflection - The &quot;Accord&quot; - A Landmark in the First Fifty Years of the Federal Reserve System - published by the Federal Reserve Bank of New York in its Monthly Review, the conflict between the Federal Reserve and the Treasury arose because they had &quot;Overlapping responsibilities&quot; between 1914 and 1951. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/727ww1/when_intragovernmental_relations_became_absurd/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~215878 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Federal**^#1 **Market**^#2 **Treasury**^#3 **Reserve**^#4 **Bank**^#5"


"This is a ""blanket narrative"" that has existed for thousands of years as a legitimate and serious criticism of democracy. https://en.m.wikipedia.org/wiki/Athenian_democracy > At times the imperialist democracy acted with extreme brutality, as in the decision to execute the entire male population of Melos and sell off its women and children simply for refusing to become subjects of Athens. The common people were numerically dominant in the navy, which they used to pursue their own interests in the form of work as rowers and in the hundreds of overseas administrative positions. Further they used the income from empire to fund payment for officeholding. This is the position set out by the anti-democratic pamphlet known whose anonymous author is often called the Old Oligarch. This writer (also called pseudo-Xenophon) produced several comments critical of democracy, such as: > 1. Democracy is not the rule of the demos qua citizenship in the interest of the entire polis, but the self-interested rule of a sociological faction. So seriously in fact, that the framers took special care in addressing it when they wrote our constitution. http://www.constitution.org/fed/federa10.htm > The instability, injustice, and confusion introduced into the public councils, have, in truth, been the mortal diseases under which popular governments have everywhere perished; as they continue to be the favorite and fruitful topics from which the adversaries to liberty derive their most specious declamations. The valuable improvements made by the American constitutions on the popular models, both ancient and modern, cannot certainly be too much admired; but it would be an unwarrantable partiality, to contend that they have as effectually obviated the danger on this side, as was wished and expected. Complaints are everywhere heard from our most considerate and virtuous citizens, equally the friends of public and private faith, and of public and personal liberty, that our governments are too unstable, that the public good is disregarded in the conflicts of rival parties, and that measures are too often decided, not according to the rules of justice and the rights of the minor party, but by the superior force of an interested and overbearing majority."


I don't believe you would be able to with only Net Sales and COGS. Are you talking about trying to estimate them? Because then I could probably come up with an idea based on industry averages, etc. I think you would need to know the average days outstanding, inventory turnover and the terms they're getting from their vendors to calculate actuals. There may be other ways to solve the problem you're asking but thats my thoughts on it.


"Yes, it is possible. Although there may be red tape for a business account, Alliant Credit Union offers completely online signup and their representatives are reachable by email. You'll probably need to send in the LLC articles this way http://www.alliantcu.com/checking-accounts.html (as pointed out by @littleadv this site defaults to ""personal checking"" accounts, there is a business checking tab which doesn't generate a direct link, some might miss that) And even if there are a ton of regulations that some pencil pushers at larger banks anecdotally cite (without citing), there will be enough banks that don't care. Good Luck"


If it was me, I would consider selling both properties. Unless of course your renters from the first house are very, very good; and you have a good handy man in the area. Managing real estate from a distance is tricky, and $400 per month is not a lot of wiggle room. You would be taking on a lot of risk with only 40K in the bank, a 200K salary, three mortgages (one likely a jumbo) and a student loan. Yea, if it was me I would sell both.


"It depends. Dividends and fees are usually unrelated. If the ETF holds a lot of stocks which pay significant dividends (e.g. an S&P500 index fund) these will probably cover the cost of the fees pretty readily. If the ETF holds a lot of stocks which do not pay significant dividends (e.g. growth stocks) there may not be any dividends - though hopefully there will be capital appreciation. Some ETFs don't contain stocks at all, but rather some other instruments (e.g. commodity-trust ETFs which hold precious metals like gold and silver, or daily-leveraged ETFs which hold options). In those cases there will never be any dividends. And depending on the performance of the market, the capital appreciation may or may not cover the expenses of the fund, either. If you look up QQQ's financials, you'll find it most recently paid out a dividend at an annualized rate of 0.71%. Its expense ratio is 0.20%. So the dividends more than cover its expense ratio. You could also ask ""why would I care?"" because unless you're doing some pretty-darned-specific tax-related modeling, it doesn't matter much whether the ETF covers its expense ratio via dividends or whether it comes out of capital gains. You should probably be more concerned with overall returns (for QQQ in the most recent year, 8.50% - which easily eclipses the dividends.)"


When you say financial planning do you mean like managing clients money? There are a universe of jobs at those firms, but i think of financial planners more like the client facing sales guys. You would need understanding of the markets and to be comfortable with sales and probably some sort of license which those firms will often foot the bill for. Probably not a bad option if you like sales. General organizational skills and presentation skills are important. Financial analysis is more data focused. You would want to demonstrate an ability to work with data and derive meaningful insights.


What you say is 100% true and I will add: I want to hear and see that you are not too qualified so, one day, you will advance and be a threat to my [inept] qualifications. In this case, being a CHIEF Security Officer, I think it ALSO requires good connections beyond saying what I want to hear.


"You could call it ""multiple streams of income"" a la Robert Allen and others. Or you could call it ""Do once, sell many"" or something like that."


No. When you file your Articles of Organization, simply state that your business will operate under the law. You don't need to give any further specification.


First of all, I've been out of college for over a decade, so good job on the assumptions. /s Secondly, when calculating capital gains, you have to take into account the depreciation of the asset. As you would have it, a house owned for 20 years would be fully depreciated, and so no capital gains would apply to such a case. But don't let facts or knowledge get in the way of your trolling, please.


"It's been pretty crazy here, every YouTube pre-roll, every banner ad, etc. It's really annoying hearing people say, ""we at big tobacco support cancer research and think it's great, but this bill is flawed."" As if they would stand behind a cigarette tax law with slight changes... I enjoy clicking them just to cost the No on 29 people $0.16. Take that!"


"This is the best tl;dr I could make, [original](https://www.ceps.eu/publications/new-era-eu-energy-policy-delivering-energy-union-national-plans) reduced by 91%. (I'm a bot) ***** > At the core of the new system are Integrated National Energy and Climate Plans, in which member states will set out their national contributions to the 2030 energy targets and present objectives as well as policies and measures for each dimension of the Energy Union. > The new Integrated National Plans incorporate previous sectoral planning instruments, such as National Renewable Energy Action Plans and National Energy Efficiency Action Plans, and ensure close alignment with the review cycle of the Paris Agreement. > In conclusion, while the transition to the new energy and climate policy regime for 2030 and beyond may require some short-term efforts by all stakeholders, the Energy Union governance system and its new National Plans will provide direct benefits for member states, investors and citizens alike in the medium and long term. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6fng8z/ceps_a_new_era_of_eu_energy_policy_delivering_on/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~137932 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Energy**^#1 **national**^#2 **Plans**^#3 **policy**^#4 **state**^#5"


"I'll echo: many factors. Brand: There are generally two levels of pricing: ""major brand"" and ""discount brand"". You can generally expect the ""discount brand"" to cost about 5-10 cents less per gallon in the same neighborhood as ""major brand"" gas. This is for a number of sub-factors; chief among them is that not all gasolines are created equal. A lot of the major brands (Shell, Texaco, Chevron, BP, Exxon) have proprietary detergents and cleaning agents that the discount brands do not. They're also generally closer to the real octane rating of the gas, have less ethanol (you'll see the sign that says ""contains up to 10% ethanol""; the bargain brands are right up at that limit while the top-tier brands keep it lower) and have stricter requirements about storage tank maintenance. Anyone who tells you that all gas is the same, send em my way; I tried to save a few bux buying the cheaper stuff and now my car needs an engine overhaul because of fouling causing premature wear. A couple of my co-workers got a fuel system overhaul free from the local supermarket because the storage tank wasn't properly purged, and they got water into their gas tanks. Market Price: Yes, this is of course a factor. Generally, gas prices at the pump rise very quickly when the market price of crude or gasoline goes up, then fall more slowly than the market price, because the margins on gas sales for a C-store are very slim. When prices change, the C-stores lose either way; when prices rise they have to pay more than they got from the last tankful to buy the next one, and when prices fall they don't recoup the cost of their current tank. By quickly increasing the price to match commodities market prices, then gradually lowering them over time even if the market collapses, they mitigate the losses both ways. Overhead: A gas station right next to a highway probably had to pay more for that land, both to buy/lease it and in property taxes. Nicer (newer, cleaner) stations generally have to pay more to stay that way. The higher your operating costs, the more you'll have to charge for your gas. You can usually do so because the nicer station will attract customers willing to pay a few cents more for the nicer facilities. Taxation: Most States charge a tax on gasoline, in addition to a Federal tax on gas. That revenue either goes into the State's general fund, or is earmarked for transportation costs like road maintenance. California's gas prices are sky-high across the state, because they have the highest gas tax. I'm not sure Colorado, Wyoming and Montana have gas taxes at all. Proximity to other stations: No matter what you have to pay for the land and facilities, if there's another station across the street, you have to be within a penny of their price or people will vote with their feet. While ""predatory pricing"" (taking a loss on sales in one area, buffered by profits elsewhere, in order to drive out competition) is technically illegal, you see it all the time in the C-store industry and it is very difficult to prove. This is a primary cause of neighborhood-to-neighborhood changes; a C-store will look around the other stations on their street corner, and the ones down the road a block or two each direction, when determining what they can sell gas for that day. The guy five blocks down has a completely different pool of competing stations. Population Distribution: With a lot of people in a particular area, there's a big ""pie"" of customer dollars for C-stores to compete for. This generally leads to increased prices because the stations don't have to be AS cutthroat; regardless of how good your price is, you have only so many pumps, and at some point people will pay more to use the open pump than wait for the cheaper one. The reverse is true in rural areas; with only two stations in an entire small town, those two stations will become extremely cutthroat. However, rural prices also vary more; with only one station in easy walking distance from where you ran out of gas, they can charge you $6 to fill that gallon gas can if they want, and you'll pay it because the next gas station's another 20 miles down the road and probably has even higher prices. This, along with overhead, is generally why the Rockies states have the lowest average prices; land's cheap and people are scarce in Wyoming. But, the ""price-gouging"" can be seen in the rural Southwest, where there's a LOT of ground to cover between gas stations, and so the ""last chance gas"" along major highways just outside of town, each a nickel to a dime more than the previous station, is a common stereotype. Transportation costs: Prices are higher on the East and West Coasts than in the Gulf States for a very simple reason; the bulk of the U.S. refinery capacity is along the Gulf Coast between Galveston and the Florida border. The further you are from there, the more it costs to get the fuel from the refinery to the gas station, and that cost is reflected at the pump. In fact, the East Coast imports gasoline by tanker even though the United States is now a net exporter of gasoline, because it's cheaper to buy it from foreign sources than it would be to watch it drip through the limited pipeline capacity that exists between the Gulf states and the Eastern Seaboard."


Just adding on a touch, when market participants refer to swaps they are talking about the fixed leg. So for example, if I said a 5y Receiver, it means I am receiving fixed, paying floating. Ie I want yields to fall. Opposite for a Payer. Swaption is just an option on these swaps, so basic swaptions: Long Payer Short Payer Long Receiver Short Receiver


It just takes a decent power outage to make it worth having some cash on hand. It's possible that worse things can happen as well -- things that would shut the financial system down or cause bank runs. It is an assumption that you'll always be able to (a) access your money at your bank, either via teller transaction or ATM, and (b) pay with a debit card or credit card. If either (or both) of these abilities are taken away, you'll be glad you have some cash. The amount that you have on hand (how much you want to hedge against these possibilities) is up to you.


Are you Searching for to sell iphone? Sell My fone is the best place to sell iphone very quickly and instantly at very genuine price with the least amount of efforts. We are able to sell our old iphone in the fastest way possible and get the best customer experience.


It's very possible that someone would lie to their landlord/landlady, but not be prepared to lie to the police. So here's what I would do. Advise your tenant that since her money has been stolen from your letterbox, she should report the theft to the police. If she refuses to report the theft to the police, then her story is probably a lie. In which case, treat the rent as deliquent and demand payment in full. Invoke whatever kind of recourse is available in your jurisdiction. If she goes ahead and reports the theft, then it's very likely that her story is true. It's probably in your interest to stay on good terms with such a tenant, so you could offer to split the loss with her. But let her know that this is a one-time offer, and you won't be so generous again.


"I support the strategy to buy a less expensive car at the outset and then save for that more expensive car. You mentioned that you would be able to save $9000 by the time you had to start making payments. That sounds like a great budget for car shopping. For $9k you can get a dependable used car. If you find the right high-yield savings account you can get around 2% on your $500/month direct deposit. That's a difference of about 5% when you add in the 2.9% interest that you would have been paying on the loan. (You can't find such a low risk investment that would yield 5% these days.) Also, at that rate (2%) you would have $27k saved up in less than 52 months, or over $31k in 60 months. Then you could buy a BMW with cash! And I'm sure they would give you a cash discount. Alternatively you could be just finishing paying off the loan and might already be looking at the next car you'll take a loan out for. The point is not that you have to completely deprive yourself for the rest of your life. But by not taking out a loan you were certainly come out ahead in 5-10 years time. Also, one common mistake that new grads make is thinking that they are rich right out of college. Yes, you definitely have a nice salary and ""could afford it"" by most people's standards. I have a coworker that graduated and started work a year ago. He first bought a brand new Subaru. Why Subaru I do not know, but that is what he thought he wanted. After driving the car for a few months he decided for a few reasons that it was not what he wanted. So he sold the car (for a loss) and bought a slightly used Nissan Z. He has since decided that he needs a more practical car for day to day driving to minimize the abuse that his Z takes. So he has bought another car. This time a low budget Honda. Had he started with a low budget car he could be driving the same car to work right now, but have a good chunk of savings for a new car instead of a loan and a car that he drives only occasionally."


I generally agree with the other answers. Regarding the bit about your loan from your parents... Your arrangement with your parents is certainly material to you getting another loan. The mortgage application will probably require you to disclose all outstanding debt. Obviously, if you choose to omit it and your parents don't tell, it probably won't come up. But that would be unethical (definitely) and illegal (probably). Whether this will interfere with you getting a loan is another question, but since it's your only debt it will probably be OK.


Its pretty simple why BMW and other German companies have thrived and its that they've delivered cars that consumers want. GM failed at this and Ford is at least producing high quality cars, but not necessarily conveying the kind of brand value that the Germans have been so successful at. Keeping a cap on costs is just one element of business. Augmenting revenues is another. If you're exceptional at selling the product and have great brand value (Apple, Coca-Cola, BMW) you don't have to pay attention to the costs as much.


"Income generated from online sales is not considered ""passive income"", so you need to be authorized to work in the U.S. Those without work authorization can acquire passive income (through investments, lending, competition/contest earnings, etc.) In order to sell products on eBay (the description you've given leads me to believe that this is operated as a business), you need to be authorized to work in the U.S., and register a business. See:"


> This would hurt the lawyer lobby I mean, yes and no. The civil defense bar (and lots of companies) probably wouldn't mind - it is a valid legal tactic to try and get a class denied. Making that easier could make defending a number of mass torts easier.


London is a unique and vibrant city with a great deal of opportunity for those looking to create, build and run a successful business. It would be impossible to identify all of the rising stars in the United Kingdom's booming capital, but here are five...


"I dislike this argument that government pressure to make bad loans is the origin of subprime loans. In fact, the term subprime is because those type of loans can't be underwritten by the government. Usually the concept of government forcing bad loans, is government forcing banks to give minorities and low-income people loans for their first houses. The government requires w-2 income and a base credit score to procure these loans. At the peak of the bubble, the majority of home sales were for investment purposes, not homeownership purposes. Those who declared the housing market was wildly unstable (and who were proven right) were talking about the problem of mortgage brokers being incentivized to lie about a person not being qualified for prime government loans, in order to make more money by putting them in lucrative subprime loans (or simply advising them they were better off in subprime and could get cash out up front!). Also, liar no-doc loans were booming and speculators and house flippers were getting multiple properties in order to flip them for profit. Once upon a time these speculators would make sure they could rent out the house for the carrying costs if they needed to. 0 down, 0 interest meant a whole different speculatory ballgame. Ah, but maybe these speculators wouldn't have anyone to sell to if low income people couldn't get prime loans from the gov? All evidence points to them selling to other speculators until there was no fool left to hold the bag. See: Miami, Las Vegas, etc. EDIT: I forget that the argument has hopscotched from Fannie &Freddie, to the end of redlining, to the CRA, and now to changes made to the CRA, where the argument finally gains a bit of traction: > Law professor Michael S. Barr, a Treasury Department official under President Clinton,[63][131] stated that approximately 50% of subprime loans were made by independent mortgage companies that were not regulated by the CRA, and another 25% to 30% came from only partially CRA regulated bank subsidiaries and affiliates. Barr noted that institutions fully regulated by CRA made ""perhaps one in four"" sub-prime loans, and that ""the worst and most widespread abuses occurred in the institutions with the least federal oversight"" Further, the discussion devolves into whether the idea and enthusiasm of the rest started as a seed from the regulated banks, how much removing risk by Wall Street with non-government backed home loans through credit instruments had its origination in the CRA, and how much of the failure of ratings agencies to properly rate those credit instruments has to do with the US government and the CRA and not regular Wall Street greediness. So originally I stated ""no relationship"" but yes, once you get into the complexity of it all I'm sure we could find a way to say a global mania in speculation in real estate is due to the American government getting poor people into their first home, and generally has nothing to do with the human condition of wanting something for nothing and getting excited when the government allows you to sell blue sky returns to foolish speculators."


There is no difference. When dealing with short positions, talking about percentages become very tricky since they no longer add up to 100%. What does the 50% in your example mean? Unless there's some base amount (like total amount of the portfolio, then the percentages are meaningless. What matters when dealing with long and short positions is the net total - meaning if you are long 100 shares on one stock trade and short 50 shares on another, then you are net long 50 shares.


> No, there is not a finite amount of work to be done, people have unlimited wants. Say we do fully automate all physical work, everyone could simply expand our human understanding, create art, play spectator sports, jobs that I can't even think of because there are not very important to us now but when more important concerns are met, these less important concerns, like art, become the most important. And with no jobs, how are people going to pay for all this? Oh, and it’s not France who outlawed overtime, it’s Belgium.


Yeah that's not really that many employees seeing as how big Twitter has become. Twitter may seem simple too upkeep from the outside looking in but trust me it requires a lot more than you would think, 3000 may even be a small number.


The dividend yield can be used to compare a stock to other forms of investments that generate income to the investor - such as bonds. I could purchase a stock that pays out a certain dividend yield or purchase a bond that pays out a certain interest. Of course, there are many other variables to consider in addition to yield when making this type of investment decision. The dividend yield can be an important consideration if you are looking to invest in stocks for an income stream in addition to investing in stocks for gain by a rising stock price. The reason to use Dividend/market price is that it changes the dividend from a flat number such as $1 to a percentage of the stock price, which thus allows it to be more directly compared with bonds and such which return a percentage yeild.


"Follow on on 'unrelated' and maybe indirectly answering your question: https://www.nytimes.com/2017/06/25/business/india-outsourcing-layoffs-automation-artificial-intelligence.html My take: ""And West is closing its gates. The only global thing that seems fairly sure is the universal social unrest! Ghosts of Marx and Engels carrying pitchforks? Doesn't seem that far-fetched!"""


Talk to a tax professional. The IRS really doesn't like the deduction, and it's a concept (like independent contractors) that is often not done properly. You need to, at a minimum, have records, including timestamped photographs, proving that: Remember, documentation is key, and must be filed and accessible for a number of years. Poor record keeping will cost you dearly, and the cost of keeping those records is something that you need to weigh against the benefit.


If they give an animal antibiotics and label it as USDA organic, they're breaking the law. http://ecfr.gpoaccess.gov/cgi/t/text/text-idx?c=ecfr&sid=464cbcd2c010c427c9369a688a92e5fe&rgn=div8&view=text&node=7:3.1.1.9.32.3.354.12&idno=7 >(c) The producer of an organic livestock operation must not: >(1) Sell, label, or represent as organic any animal or edible product derived from any animal treated with antibiotics, any substance that contains a synthetic substance not allowed under §205.603, or any substance that contains a nonsynthetic substance prohibited in §205.604. >... >(7) Withhold medical treatment from a sick animal in an effort to preserve its organic status. All appropriate medications must be used to restore an animal to health when methods acceptable to organic production fail. Livestock treated with a prohibited substance must be clearly identified and shall not be sold, labeled, or represented as organically produced.


"I mean, best of luck for this company, but there are empirical reasons why many companies do not strongly favor very old employees. From a business perspective, it doesn't make sense to hire someone unless they are the best for their job. Anything else is not really ""business"" and is more on the charity/socialism side of things."


Warren Buffett answered this question very well at the 2009 Berkshire Hathaway annual meeting. He said that it was important to read everything you can about investing. What you will find is that you will have a number of competing ideas in your head. You will need to think these through and find the best way to solve them that fits you. You will mostly learn how to invest through good examples. There are fewer good examples out there than you might think, given how many books there are and how many people get paid to give advice in this area. If you want to see how professional investors actually think about specific investments, over a thousand investment examples can be found at www.valueinvestorsclub.com, just login as a guest. The site is run by Joel Greenblatt (you would benefit from reading his books also), and it will give you a sense of the work that investors put into their research. Good luck.


First I must say that I'm not a Ramsey fan. Sometimes loans will make your financial situation significantly better. Especially if its a 0% loan. Generally, I do think that leveraging has its place, its the ab-use of loans what causes problems, not the use. Re your question - you're right in trying to first build up an emergency fund. You should have enough in it to be able to pay for yourself for at least half a year of unemployment or zero income. You only have one month. Your family member gave you money for free, which is admirable, but I'm sure there's a limit to everyone's generosity and he might not give it to you for free again, once you pay it off. Thus, you should be able to handle your future troubles on your own, and emergency fund is a crucial part of this. Pay as agreed, try not to be late, and you'll pay the loan off within 3 years. If you accumulate enough emergency fund, and you still have some extra left - pay some extra on the loan in order to pay it off early. Do make sure you take full advantage of the employer's 401k match. This has, IMHO, much higher priority than paying off the 0% loan early.


Hello i am Jack living in USA. If you are interested in medical programs than here is something good for you. Have a look.. Emergency Medical Technician - Basic EMT training course, offered throughout the New York area, and take the first step to a real future in the rapidly growing world of healthcare with a career in FDNY, private, and hospital-based ambulance services.


"Thats cool but also sounds very illegal? on quite a few levels. I Imagine its a huge conflict of interest for a government entity to contract services from an employee within that ""branch"". You're also lying to your employer and obfuscating the source of the services (just because no one cares right now, doesn't mean its not a lie). And i dont know how it works in the public sector, but with most companies anything you make while employed by the company is company property and they would have grounds to terminate you, sue you for damages, and take possession of your software."


"Google is not a public service. They have no obligation not to overshadow other companies, so long as they aren't misrepresenting those companies. People who want to use Orbitz or whatever can still visit those websites directly, and people using Google to search for Orbitz will not be shown competing services instead. Google's just offering people the information that they're looking for. I fail to see how this is new or different, let alone ""potentially endangering industries."""


"I listened to about 15 minutes of the video, but then I read your other link, which gives a much better summary. This guy is an idiot. Just consider this statement: ""If everyone was taxed at 100%, it wouldn't be enough to balance the federal budget."" This is true to some extent. It wouldn't be enough to balance the federal budget in one year. Experts often cite things like debt to GDP to show that a country's debt is ballooning, but they don't mention this obvious fact: We don't have to pay off our debts in a single year. Nobody does. Debt to GDP is a ratio and not the end all be all. Reinhart & Rogoff wrote a paper about how countries with high debt to GDP tend to have slower economic growth, but they don't mention that this occurs at every stage of debt growth. See Debt & Delusion by Dr. Robert Shiller for a great article on this subject. The daily kos article goes over most of the points I would make, but let me generalize a little: Always be wary of doomsday-predictors and free advice. This guy talks about correctly calling Fannie and Freddie. Even if he's right, why is he mentioning it? If he's such a good accountant and financial expert, surely he could've seen the tech bubble before the housing bubble right? It took a lot of analysis to figure out that CDO's were junk - anybody with the ability to read a balance sheet could see that many tech companies were overvalued. Every now and then, you get one hit wonders. They might never be right again, but they have the ""credentials."" If these people were really that good, they wouldn't be selling investment newsletters. They'd be applying their strategies and getting rich. Buffett has been getting rich for over 50 years, and he's not publishing newsletters with ""secret, genius"" strategies. He's made it pretty clear what his philosophy is, and anyone who follows it patiently will make money. Stransberry's argument only makes sense if you agree with the assumptions. The US will implode if nobody accepts our money. Nobody will accept our money if we're no longer the reserve currency or hyperinflation occurs or something like that. People have been predicting doom after every bubble, but that doesn't make it true. Some of his points (like the fact that we have too much debt) are valid, and I predict that the world will go into a period of deleveraging now. Nonetheless, the whole ""we will implode"" story is a scary picture, but it's just that - a picture."


Aside from my preamble and conclusion, do you agree or disagree with the principles that I have stated? If you have studied a wide range of works and have drawn an objective conclusion that contradicts the principles that I've stated, then please let us debate them. I'm not interested in ad-hominem mud slinging. I will however defend myself against one claim which I see as the most dangerous: you accuse me of playing an 'enlightenment game', implying that the process of demonstrating new ideas and encouraging thought is somehow a cheap or underhanded tactic. I reject your implication.


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In my mind you would get all the money. You owned 100% when that transaction occurred. S/He gets 10% then on everything after. I usually go to an extreme case to figure out the answer. So... If S/He bought 100% of the company it wouldn't go to the company it would go to you. I would be open to criticism on this answer I am answering from common sense not because I really know the answer.


"An alternative take on the ""why"" is that most people's credit is better than they think, and all of these banks offer credit products. Put a ""good credit"" badge next to an ad for a shiny new card or auto refi, and it's just good business."


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1-2 years is very short-term. If you know you will need the money in that timeframe and cannot risk losing money because of a stock market correction, you should stay away from equities (stocks). A short-term bond fund (like VBISX) will pay around 1%, maybe a bit more, and only has a small amount of risk. Money Market funds are practically risk-free (technically speaking they can lose money, but it's extremely rare) but rates of return are dismal. It's hard to get bigger returns without taking on more risk.


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As of 2015, there were 1,650 IHOP restaurants in 50 states and the District of Columbia, as well as in Bahrain, Canada, Dubai (UAE), Guatemala, Kuwait, Mexico, Puerto Rico, Saudi Arabia, The Philippines and the U.S. Virgin Islands. So 25 is 1.5% of 1650. So they closed less than 2% of their stores. Applebees apparently has over 2000 restaurants. So 100-120 is 5-6% of their stores.


I think that makes me want bdubs... Less. Especially since they wave this awesome points system in front of your face then your membership doesn't appear in the system no matter how many times you sign up again.... What a scam. Fk u bdubs.


This edition of News Bites looks at an article by Bob Pozen and Theresa Hamacher, published by the Financial Analysts Journal in December, at a speech by Don Phillips of Morningstar given at the Business & Wealth Management Forum held in October, and at McKinsey & Company’s most recent annual review of the asset management industry. All three discuss factors leading to success in the mutual fund industry.


Sorry you’re getting downvotes. At least the movie cites studies and sources which is a lot more than any of the people I see calling it a ‘scam’ or pseudo science are doing. Down voting you makes them feel better - because you know upvotes of majority is what defines what is true and what is ‘science’ in these parts. Merchants of Doubt is a good documentary as well to watch.


"I can, but it takes a significant amount of time. I'll do a short version which unfortunatley might leave more holes than you like. Basically, traders don't want to barter because it is hard to find the person with precisely the goods you want who wants to trade for the goods you have. Thus the need for ""coupons"" that represent value in a marketplace. Then you need to decide who gets to create coupons. If too many can issue them, problems arise, and no one trusts the coupons will be good later. Eventually you want one large bank/nation/trader to be able to issue them so everyone has the same level of trust in them, and you don't have the economic inefficiencies of many coupon issuers. Next, the number of coupons needs to be enough to facilitate trade. If the amount of trade increases a lot, and the number of coupons doesn't increase similarly they become worth more, and people start to hoard them. This causes deflation, which causes less investment, which causes less growth, which hurts everyone in the long run. If there are too many coupons added, this causes inflation, which causes people to spent them quicker instead of holding them. For reasons I won't cover here slight, predictable inflation is much better than deflation, so remember inflation is slightly preferred. Note that inflation is often caused not by the number of coupons but by external price changes. Now, for a modern economy to do well, somone has to watch the economy, measure it carefully, and add/subtract coupons into the system as needed. Coupons, like all money, have no real value (whatever that means), but only have value because the holder expects to be able to trade them *later* for goods and services. You cannot eat coupons, use them for shelter (usually!), or wear them, but you want to trade them for such needs. The same is true for paper money, gold, stones, or almost whatever money system one uses. Money in all these forms is merely an IOU tradable for future goods. The Fed is tasked (among other things) with making sure there is precisely enough coupons in the economy to keep trade functioning as well as possible. This is very hard to do since there are external and internal shocks to an economy (think disaster, foreign govts shutting off resources, rapid changes in people's tastes, etc.). Central banks such as the Fed need to be independent of political control, since empirical evidence has shown that politicians tend to add more money to the system than is needed, because the short term gains give them votes, but the long term consequences (rapid inflation, unemployment, lower economic growth) are bad for society. This is why the Fed is largely out of congressional control, and large amounts of empirical evidence across hundreds of years and dozens of cultures shows this to be good. Note: another function of the Fed is to be a lender of last resort to help prevent bank panics that were widespread in the 18th and early 19th century, something that none of us now remember, but it was a real problem. I'll skip that part for now. So now we're at the point where the Fed needs to add/subtract coupons from society. To do this part justice takes significant time to cover all the reasons why various rules are in place (banking reserve requirements, for example), and you cannot learn it from one pass of reading. But I'll try. Instead of being like the majority of internet fools that rail against the system, try to learn the *why* of all this, and you'll be much wiser and understand that it is all a pretty good system. One method they use is the interbank lending rate. Banks have a reserve requirement, which is the ratio of coupons they need to have on hand as a ratio compared to the total coupons depositors lent them. This is usually around 1:10. The amount deposited that they can lend goes to business loans, school loans, mortgage loans, etc., and helps economies grow. Now when a bank on a given day falls short due to too many withdrawals, other banks (or the Fed) offers an overnight loan to meet reserve requirements, and the Fed sets the interest rate, which in turn drives other interest rates in the system. This does not change the money supply very much. Secondly, the Fed sets the reserve requirement, which vastly can change the amount of money available to society. But they change this rate so rarely (all the historical data is on the St. Loius Fed site, among others) that it is not usually an issue. I'll explain below how this can drastically change the money supply though the money multiplier. Thirdly, and this is the part the poster above seems upset about, they conduct open market operations. This is the primary means by which the Fed exercises control over the number of coupons in play. The government, like businesses, like individuals, often needs to borrow money, in theory to invest in wise causes like infrastructure or perhaps money making enterprises such as technology investmeny (and I know what they often use the money for causes many to complain). The government, like companies, offers the sale of various contracts such as bonds to investors, who want a place to park some accumulated coupons for safety, and they get a return plus some interest. So the government sells bonds on the open market to investors, banks, pensions, foreign governments, basically to whomever wishes to purchase them at the market rate, and the government, like many individuals and banks, uses these loans to perform day to day functioning and possible smooth out volatility in spending needs. By law the Fed cannot purchase directly from Treasury. Now, once on the market, these bonds are traded, packaged, resold, etc., since they have inherent value, and since those owning them want to buy/sell them, perhaps before maturity date. This ""liquidity"" (ability to sell your goods) is necessary - fewer would purchase an item if they could not sell it when they desire. Thus bonds are bought, sold, and traded, and their prices fluctuate based on what the market thinks they are worth, just like any good. Now, the Fed can buy/sell these bonds on the *open market*, like anyone else. So when the Fed wishes to increase the money supply, they can buy bonds that are not ""spendable"" money and inject money into the system. Note they now hold a bond that had at the time of transaction the same value as the money they injected. Note investors freely bought these from Treasury, meaning the market thought at the time of purchase that this was a good invesement. It is *not* the government merely wishing more money into existance. It is market forces that require more money for trades and is selling goods from the marketplace of (presumably) equal value to the Fed. This increases liquidity, but takes valuable assets from circulation. When the Fed wishes to shrink the money supply, they sell these bonds back into circulation basically by offering better terms than Treasury. In fact, you can find graphs of the Fed operations and see how every December they inject money for more Christmas shpping (need more coupons for more trade) and every January they extract some. So open market transactions, buying and selling goods at market prices in the marketplace along with other traders, is how the Fed injects and removes money from the money supply. This is the primary mechanism that the Fed uses to control the number of coupons in the economy. Finally, a little about reserve requirements and the money multiplier, since it affects so much of the number of coupons in play. This also I must simplify drastically. Each bank needs to hold 1/10 of all deposits in cash. The rest can be lent, which lands in another bank, which again can be lent, etc... Thus each $1 deposited can result in loans totalling 9/10 + (9/10)^2 + (9/10)^3 +... = 9 more dollars. Many people claim that banks are printing money, which is nonsense, since each also has an equal debt to pay to the person they borrowed from. When all loans are paid back there is no net money gain. However, this allows for each $1 the Fed injects by buying bonds for there to be up to $9 in the economy, *if banks all loan to the fullest extent*. Banks tend to want to loan since loaned money makes them profit. Banks used to loan too much and runs on the banks caused significant problems, which is why laws were made to require *all* banks to have the same reserve requirement. Now, when banks get scared and stop loaning, this 9 fold multiplier dries up, and the Fed has much less inpact on being able to target the proper number of coupons to keep the economy smooth. During the recent crash when banks stopped loaning, as each dollar was paid back on debts, there was significant shrinkage of available money for transactions, and this kills the economy. This is the ""liquidity crisis"". Hope this helps. As I said, this is vastly simplified and I cannot go into all the reasons and historical items needed to understand it fully. It is a vastly complex (and necessarily so) and takes significant study to grasp the genius of it. It's similar to not being able to understand nuances of particle physics in one go, but as you study and work at it you see *why* things go as they do, and you learn all the failed methods (the gold standard is one example) that were thrown out for many good reasons. Cheers."


You are only responsible for IRS debt that you owe from returns that you have filed for yourself. The back taxes that your dependent owes are between him and the IRS.


Yuan use is largely in pacific. https://www.poundsterlinglive.com/payments/2722-yuan-overtake-pound-sterling-454354 The main reason Yuan is small, because China doesn't have large forex and capital market. (ie people can't wildly speculate and move currency) That will come later. But right now. actual trade transactions are increasingly done in Yuan.


"For simplicity, let's start by just considering cash back. In general, cash back from credit cards for personal use is not taxable, but for business use it is taxable (sort of, I'll explain later). The reason is most personal purchases are made with after tax dollars; you typically aren't deducting the cost of what you purchased from your personal income, so if you purchase something that costs $100 and you receive $2 back from the CC company, effectively you have paid $98 for that item but that wouldn't affect your tax bill. However, since businesses typically deduct most expenses, that same $100 deduction would have only been a $98 deduction for business tax purposes, so in this case the $2 should be accounted for. Note, you should not consider that $2 as income though; that would artificially inflate your revenue. It should be treated as a negative expense, similar to how you would handle returning an item you purchased and receiving a CC refund. Now for your specific questions: Part 1: As a small business owner, I wish to attend an annual seminar to improve my business. I have enough credit card reward points to cover the airfare, hotel, and rental car. Will those expenses still be deductible at the value displayed on the receipt? Effectively no, these expenses are not deductible. If you deduct them they will be completely counter-acted by the ""refund"" you receive for the payments. Part 2: Does it matter if those points are accrued on my personal credit card, rather than a business credit card? This is where it gets hairy. Suppose your company policy is that employees make purchases with their own personal credit cards and submit receipts for reimbursement. In this case the employer can simply reimburse and would not know or care if the employee is racking up rewards/points/cashback. The trick is, as the employee, you must always purchase business related items normally so you have receipts to show, and if you receive cashback on the side there seems to be a ""don't ask, don't tell"" rule that the IRS is OK with. It works the same way with heavy business travelers and airline miles- the free vacations those users get as perks are not treated as taxable income. However, I would not go out of my way to abuse this ""loophole"". Typically, things like travel (airfare, hotel, car rental, meals) are expected. But I wouldn't go purchase 100 company laptops on your personal card and ask the company to reimburse you. The company should purchase those 100 laptops on a company card and effectively reduce the sale price by the cashback received. (Or more realistically, negotiate a better discount with your account rep and just cut them a check.) Part 3: Would there be any difference between credit card points and brand-loyalty points? If the rental car were paid for with points earned directly on the rental car company's loyalty system (not a CC), would that yield a different result? There is no difference. Perhaps the simplest way to think about this is you can only deduct an expense that you actually incur. In other words, the expense should show up on a bank or CC statement. This is why when you volunteer and work 10 hours for a charity, you can't call that a ""donation"" of any amount of money because there is no actual payment made that would show up on a bank statement. Instead you could have billed the charity for your 10 hours of work, and then turned around and donated that same amount back to them, but it ends up being a wash."


Many countries have employers report their employees' salaries and withhold some money for income tax purposes (it's called “pay as you earn”, “withholding taxes” or taxing “at the source”). Often the system is designed in such a way that most people actually pay too much and can get money back at the end of the year. In that case, the salary you receive can certainly be considered a “net salary”. Depending on the tax system, individuals might need to file a separate tax returns to report any other income (investments, rents, whatever) or benefit from tax incentives but it can also be optional. If you live in such a country and your situation is simple enough that there are no applicable deductibles, you might simply choose to forgo it and let your employer take care of everything.


> The seven banks that founded Bankia be left out of the shareholders of the entity and the State will be made with one hundred percent of the group's parent Are you fucking kidding me? Europe is highly socialist, and Spain is one of the most socialist of all. The **state** controls the bank now. Did you even read the fucking article? Spew more bullshit about the evils of capitalism on an article about nationalization, you're one sharp tool in the box aren't you.


I heard Jim Grant say on his podcast that it's weird how long things take these days. It feels like problems never go away, and nothing is ever fixed quickly. It's been almost a decade since the financial crisis and things are basically unchanged.


This discussion over at Google Answers suggests that the only time it matters is if your signature is challenged -- that is, someone has reason to doubt it's you authorizing your signature. (Assuming US here.) But if you wanted to get another debit card and sign it differently, and start signing things that way from then on, you might never get challenged about it.


>In addition, US debt is the safest debt. I am really sick of this argument. The U.S. is believed to be the safest debt at this point in time, but that won't necessarily always be the case. We have been taking on debt for 30 fucking years and at some point investors are going to see us as a risky investment and stop lending. At some point we are going to have abused our global reserve status to the point the world doesn't want to extend it to us anymore. How do people not get this?


I've not gotten an answer so far. Since I've started my search for a new financial planner here are the criteria I am using:


Correct, but as of right now the primary point of entry into crypto *is* fiat. As soon as you make that exchange, any downstream transaction from your wallet can be tracked back to you if your wallet is linked to your identity. But it does make it much more difficult once you exchange one crypto for another.


I would be nice to live in a world where people voted with their wallets and held businesses managers accountable for their actions. We don't currently live in that world so as long as WF makes money and pays dividends investors are still going to buy their stock.


So let me get this straight, the only solution we can come up with for a healthy farm and cheap produce is to let illegal immigrants in? That's really our best solution? That's an acceptable solution? With that logic, why not let in even more illegals to replace all American workers in every industry so consumers have it better in terms of prices? Give me a break.


Chiming in with other answers that incriminate market segmentation attempts, I would like to offer this Seth Godin video where (among other things) he speaks about breakage, the art of making coupon redemption so difficult that most people get it wrong and do not redeem them. Oh, and when comparing/deciding which/whether to buy, I always use the up-front price. Don't want to encourage the wrong behavior.


China is in the middle of a residential housing bubble, and now is probably a horrible time to invest in real estate in China. Even if China wasn't near the peak of its bubble it would probably still be a bad idea because owning real estate in a foreign country is expensive and risky. There are real currency risks, think what would happen if the yuan declined significantly against the dollar. There is also the risk of the government seizing foreign held investments (not extremely likely but plausible). Another consideration is that it would be next to impossible for you to get a loan to purchase a property US banks wouldn't touch it with a 10 ft pole and I doubt Chinese banks would be very interested in lending to foreigners.


They are cheap because they are made from cheap material. All the homes in my addition are Ruasch Coleman and a lot of them are having issues (Oklahoma). Several are around 5 years old and have already had to get new roofs. On our neighborhood FB page there have been complaints with the plumbing system and flooding in yards that weren't leveled properly once the ground settled. I know I regret my purchase. You get what you pay for.


"I am going to guess you are not a software developer. Microsoft's average mid-career salary is $127,000, and most of their jobs are in Seattle, where the cost of living is lower than Silicon Valley, San Francisco, and New York. They have top flight benefits, a wonderful campus, etc. There is a serious lack of people who can program in the right industries. And no, ""creating an app"" isn't the same as creating enterprise grade server software."


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There's still a paper trail for every transaction. There's gotta be a debit and credit in there somewhere. Plus these companies are supposed to be audited by an *independent* auditor who, if they're worth their salt, should be able to track down every penny.


The thing that is working to Foxconn's advantage here is that there were several states competing for this, thats exactly it. This is actually how all business works, its no surprise. States usually compete for large businesses to move their by giving tax breaks, because it benefits their people and they will eventually still collect taxes. Now, the first part interest me, how much does the state usually spend on a project like this? I wouldnt really consider it a gamble unless you consider all investments to be gambles, but that also connotates that you think this is high risk. What makes you say that Foxconn wont live up to its promises? Wont the state just sue based on the terms of agreement?


"First off, the answer to your question is something EVERYONE would like to know. There are fund managers at Fidelity who will a pay $100 million fee to someone who can tell them a ""safe"" way to earn interest. The first thing to decide, is do you want to save money, or invest money. If you just want to save your money, you can keep it in cash, certificates of deposit or gold. Each has its advantages and disadvantages. For example, gold tends to hold its value over time and will always have value. Even if Russia invades Switzerland and the Swiss Franc becomes worthless, your gold will still be useful and spendable. As Alan Greenspan famously wrote long ago, ""Gold is always accepted."" If you want to invest money and make it grow, yet still have the money ""fluent"" which I assume means liquid, your main option is a major equity, since those can be readily bought and sold. I know in your question you are reluctant to put your money at the ""mercy"" of one stock, but the criteria you have listed match up with an equity investment, so if you want to meet your goals, you are going to have to come to terms with your fears and buy a stock. Find a good blue chip stock that is in an industry with positive prospects. Stay away from stuff that is sexy or hyped. Focus on just one stock--that way you can research it to death. The better you understand what you are buying, the greater the chance of success. Zurich Financial Services is a very solid company right now in a nice, boring, highly profitable business. Might fit your needs perfectly. They were founded in 1872, one of the safest equities you will find. Nestle is another option. Roche is another. If you want something a little more risky consider Georg Fischer. Anyway, what I can tell you, is that your goals match up with a blue chip equity as the logical type of investment. Note on Diversification Many financial advisors will advise you to ""diversify"", for example, by investing in many stocks instead of just one, or even by buying funds that are invested in hundreds of stocks, or indexes that are invested in the whole market. I disagree with this philosophy. Would you go into a casino and divide your money, putting a small portion on each game? No, it is a bad idea because most of the games have poor returns. Yet, that is exactly what you do when you diversify. It is a false sense of safety. The proper thing to do is exactly what you would do if forced to bet in casino: find the game with the best return, get as good as you can at that game, and play just that one game. That is the proper and smart thing to do."


As an easy way to answer... look at an index, let's say the S&P 500. Look at the price this last October, and predict where it will move in November... easy right? It already happened, and you have the benefit of hindsight. The move looks like such a consistent, obvious continuation of the previous up and down pattern. It looks predictable, like you could have guessed that. Now, look at today's price, and predict where it will go next month. Not so easy now? The problem is, every point you're at, all the time, looks like a possible inflection point or turning point. If you're following an uptrend, you may think it'll continue, but you may also think that it zigged so far up already, that now it's ready for a zag down where you'll buy. So you wait... and it keeps rising, and you kick yourself for missing out. Next time, you see another uptrend and resolve to buy it regardless, thinking now it'll keep going, but it turns down the second you buy it, and keeps dropping. You kick yourself again. The market is amazing at doing this to you every time. In real time, every wiggle in the price looks simultaneously like a trend that could continue, and like a trend that has moved far enough and is ready to reverse. And more likely you'll guess the wrong one. The ONLY way with some little hope of succeeding is to study study study, and find and learn trading rules with just over 50/50 chances (like buying when a moving average is touched within an uptrend as an example, and setting a stop loss at -1%, and a sell limit at +2% or something), and then never ever deviate from that strategy, because your only hope is in the consistency of statistics and odds over time. You'll get many -1% losses, and hopefully enough 2% gains to compensate the losses, plus some profit. OR, to make it easier, just buy in on a dip, and hold and hold and collect dividends, and be content to match the market without effort.


If you own the stock today, it doesn't matter what it traded for yesterday. If XYZ is trading for $40 and you own it, ask yourself if it's worth buying today for $40. If it isn't, you may want to consider selling it and buying something that is worth $40.


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Ok so Steve is dead and the iPhone x isn’t rolling out as it needs the 8 to keep momentum running forward. Business is business and people who are not in it are just critics who have yet to be seen as right or wrong with no consequences.


It's not compound interest. It is internal rate of return. If you have access to Excel look up the XIRR built-in function.


Economic efficiency is overrated. I would rather give money to a charity that spent 15% on human resources and 10% on marketing to get $10 million in incoming donations than to a charity with an 8% expense rate that receives $1 million in incoming donations.


Yes, it does matter. You are right that lower demand for a stock will drive its price down. Lower stock prices can hurt the company. Take a look at Fixee's answer to this question: a declining share price will make it hard to secure credit, attract further investors, build partnerships, etc. Also, employees are often holding options or in a stock purchase plan, so a declining share price can severely dampen morale. In an extreme case, if share prices plummet too far, the company can be pressured to reverse-split the shares, and (eventually) take the company private. This recently happened to Playboy. If you do not want to support a company, for whatever reason, then it is wise to avoid their stock.


>But NO there is nothing wrong with someone doing all they can to maximize their income under the rules given to them. I agree, but this isn't what I'm talking about. I am not blaming the cops themselves for attempting to work overtime.


Overcontributions made after the calendar year are not usually a problem. This is because while contributions made in Jan and Feb can be counted towards the previous year, they do not have to be. This appears to be what has happened in your case. If you had an RRSP limit of $18,000 for 2015, and in Jan 2016 you contributed $22,000 to your RRSP, then it is perfectly legal to claim $18,000 of that in 2015 and $4000 in 2016. The extra $4000 is never counted against your 2015 limit and so is not an overcontribution. If your 2016 limit is going to be less than $4000 then you will eventually have an overcontribution problem in 2016, and if you think that's likely you should sort this out now. But for most people that's pretty unlikely.


The vast majority of founders also work long hard hours and end up with nothing -- little or no money, no security, no assets, etc. Maybe they feel good about it, but there's no reason they couldn't work on something that was more likely and get that money and that security and still feel good about that.


Just echoing the other answers here. You're not ready yet. 3% down, or no money down loans are what got so many of us into trouble these last few years. It sounds like you make a pretty good living and are able to squirrel away money despite paying rent. Let me suggest something that I haven't seen here yet. Save up for a 20% down payment. You will get better rates, won't have to buy mortgage insurance and it will give you enough of a cushion on your payment that you could better weather a job loss or other loss of income. Your priority for saving are, in order: Home prices aren't going up any time soon, so you're not going to miss out on a great deal. Keep your expenses low, treat yourself and your kids once in a while and keep saving.


"It appears that there's a confusion between the different types of average. Saying ""the average investor"" generally means the most common type of small-scale unsophisticated investor - the mode (or possibly median) investor. However, while this class of investors is numerous, each of them has assets that are quite small compared to some other types of investors; and the market average performance is determined proportionally to the amount of assets held, not to the number of holders; so the performance of large investors ""counts"" that much more. For any measure, the mode of performance can be (and often is) different from the mean performance - in this case, Dalbar is saying that the most common results are lower than the (weighed) average results."


Basically speaking, Japanese bank accounts are identified by three numbers: The four digit Bank number. For example 0005 is Mitsubishi Tokyo UFJ Bank The three digit Branch number. For example 001 = Main branch for Mitsubishi. The account number. This is your account number. Your ATM Cash Card and passbook will have these numbers on it in the format XXXX-YYYY-ZZZZZZZZ. When you use an ATM to send money to someone else (like your landlord) you but in these three numbers or use the search feature instead for the first two. This works the same whether you are talking about Mitsubishi, Mizuho, etc. The only thing to note is that while real banks use locations for the branch number (i.e. Ueno branch, Marunouchi branch, etc.), online only banks like Sony Bank (MoneyKit), Rakuten Bank, SBi, etc. use fake locations like colors, etc. This doesn't matter much though. Japan Post bank is technically not a bank and uses a totally different numbering system, though recently they have come up with a strange formula to convert your JP Bank account number into a normal bank account number so you can send payments to it as shown above). All of this is basically for domestic transfers only, though. If you want to transfer money internationally, there are two basic ways: The official way. Go to your bank overseas, and give them the SWIFT code and account code for your bank (likely the branch code will be necessary as well). The problem here is that they will likely charge a high fee for sending the money, and your bank in Japan may also charge a high fee for receiving it! (In addition to any currency conversion fees). A second problem is that only the very major banks even have SWIFT codes. Use a money transfer service that can handle both Japan and your other country. For example, you can use 2 Paypal accounts (Only in the direction of From Japan To overseas, though!), or you can use something like MoneyBookers Either way IBAN is a European standard and isn't used in Japan. If you just want to spend some money in Japan, the most convenient way is probably a foreign visa debit card. Or, you can use a foreign ATM card in Japan to withdraw cash and then deposit it into your Japanese account.


Depression really does steal your future, stole a little bit of mine. I had all the resources available to me to get ahead but due to a conglomeration of events I fell into a downward spiral. Im further out now than I've ever been from that hole but now im 27 and trying to finish school when many people I know finished 6 years ago. I know it could be much worse but like you said, depression steals away your future if you let it.


Calculate the theoretical forward price using covered interest parity, then compare it to the actual forward price of $1.04/euro. Buy the cheap one and sell the expensive one (this will involve borrowing dollars or euros at the US or Euro interest rate to buy the other currency and longing or shorting the 6-month forward to perfectly hedge your currency exposure).


I would encourage you to read The Warren Buffett Way. Its a short read and available from most libraries as an audio book. It should address most of the ignorance that your post displays. Short term prices, offered in the market, do not necessarily reflect the future value of a company. In the short term the market is a popularity contest, in the long run prices increases based on the performance of the company. How much free cash flow (and related metrics) does the company generate. You seem way overly concerned with short term price fluctuations and as such you are more speculating. Expecting a 10 bagger in 2-3 years is unrealistic. Has it happened, sure, but it is a rare thing. Most would be happy to have a 2 bagger in that time frame. If I was in your shoes I'd buy the stock, and watch it. Provided management meet my expectations and made good business decisions I would hold it and add to my position as I was able and the market was willing to sell me the company at a good price. It is good to look at index funds as a diversification. Assuming everything goes perfectly, in 2-3 years, you would have an extra 1K dollars. Big deal. How much money could you earn during that time period? Simply by working at a fairly humble job you should be able to earn between 60K and 90K during that time. If you stuck 10% of that income into a savings account you would be far better off (6K to 9K) then if this stock actually does double. Hopefully that gets you thinking. Staring out is about earning and saving/investing. Start building funds that can compound. Very early on, the rate of return (provided it is not negative) is very unimportant. The key is to get money to compound!


Credit scores in the U.S. are entirely based on information contained in your credit report. The details of your credit card transactions, such as where your individual purchases are from, the amount of individual purchases, refunds, chargebacks (successful or failed), etc. do not appear on your credit report. Therefore, they can have no impact on your credit score. According to creditsavvy.com.au, credit scores in Australia are based on similar information: the information in your credit history, credit profile, and credit applications. I don't see anything that would suggest that the details of your transactions would affect your credit score.


Read the terms and conditions very carefully. Many zero percent deals have a requirement that you pay back at a certain date, and if you don't, you'll have to pay some enormous percentage. Nobody will remind you of the date, because the lender has the secret hope that you will forget.


A book on the power of persuasion. The people will need you to lead them to the glory land like the Deacon* from Waterworld *Dennis Hopper. Study up.


Yes, You will have to pay the taxes at least initially but you'll most probably get a refund when you will file returns depending upon the amount and tax brackets in the UK.


> Did you tell your wireless router to stay only on channel 11 or did Apple finally fix that? Had to tie down the router to channel 11. My only hesitation is that I'll miss the Del key, and I'm scared about all the emacs shortcuts, but others have done it, so I'll live.


Google loses money on each sale of a Nexus. Apple doesn't lose money on hardware. That is the one thing Apple is not inferior, and to analysts, the one thing that matters (profitability). I am thinking about purchasing a Nexus, but you make a large assumption in that statement. From my brief play time (planning to do more before making a purchase), Android seems to have a steeper learning curve than iOS. This goes a long way toward attracting a large market.


2 SaaSes: http://letsfreckle.com and http://charmhq.com 2 training courses for js, one live, one recorded workshop: http://jsmasterclass.com http://html5mobilepro.com 1 ebook/software package for JavaScript performance: http://jsrocks.com And, lastly, I do a training course twice a year to show other designers, developers & trainer types how to make & sell their own products like mine: http://unicornfree.com/30x500 This is all on my about page, btw, except for the new Charm app because we haven't opened the doors to the public yet. We are slowly inviting the 3000 people on the waiting list because we want to ensure our architecture scales. The fun thing is that our first products helped us fund the development of our later products. We owe nothing to nobody, and own 100% of everything we do.


The best way is to approach your bank and fill out a transfer form to send USD to your US account (if you are visiting India). They will require quite a number of proof (AADHAR, PAN, Passport) copies. Otherwise speak to your bank about how to do a wire transfer from your India A/C to US; after de-moitization regulations have tightened, the best course of action would be to speak to your bank directly.


Honestly, I think you are falling for a myth. Family business can also decide to go for short term maximum profit at the expense of long term. And shareholders can decide to look long term, just go to shareholder meetings and you will see everything. Its not so black and white. For the rest I agree, except for anti-monopolly laws. In general, anti-monopolly laws only help create olligopollies/monopollies not removing them.


You are planning on signing a contract for, likely, hundreds of thousands of dollars, and plan on paying, likely, tens of thousands of dollars in a deposit. For a house that is not built yet. This isn't particularly unusual, lots of people do this. But, you need a lawyer. Now, before you sign anything. Your agent may be able to recommend a lawyer, but beware; your agent may have a conflict of interest here.


Agreed. Another benefit to cold calling is that it drastically increases your ability to make prank phone calls. I do this every now and then whenever I get bored at the office and decide to mess with my friends. It's mildly entertaining.


Don't frett to much about your retirement savings just put something towards it each year. You could be dead in ten years. You should always try to clear out debt when you can. But don't wipe yourself out! Expedite the repayment process.


In the case of WhatsApp they probably use revenue from the apple affiliate program, this is how it works: After you sign up and are accepted you can generate links. When someone clicks on the link a cookie is installed on their iDevice, this cookie attributes all purchaces generated to the owner of the affiliate link for the life of the cookie (24 hours). The owner will then recive a 7% commission on those purchaces.


Because it appears you have in the neighborhood of 30 years remianing on your mortgage for the first house, If you can sell it you will likely be better off in the end. While renting has the potential for greater income it is a business. And like any business there are risks, expenses, and work required to make it successful. There will be times where you can not find a renter immediately and will be responsible for making both payments, maintaining both houses, the insurance(which for an owner is higher for a rental property than a domicile), and paying the applicable taxes. You need to look at your best and worst case numbers. If your best case numbers leave you in the hole 300/month then that is not the sort of business you want to run. Your investment should build your savings and retirement funds not deplete them. Further you are more likely to fall between your best and worst case scenerios. So you need to be able to thrive at that level. If something in the middle is going to take you into bankruptcy then sell the property. If you are not willing to put the time into your business that it will need (My rental home took about 10-30 hours a month despite renters being responsible for basic upkeep and maintenance. Finally your plan B: A home with 800k value will have higher costs and higer expenses and maintenance. If the 800k home is the home you and your family needs then by all means go for it. But if it can do just as well in the 450k Home then go there. Pay the home off early by making the payments you would be making for the 800k home. In this way you pay less in total cost of the home and set your self up for the greatest chance of success. Once that home is paid off the break even point for renting goes way down as well. So the rental option could be in the future. I would just aviod it now if possible.


Note: This is what one of the people responsible for this process told me quite a few years ago, it might be different today. I work in insurance, but I don't follow this particular process too closely. New cars necessitate a judgment call, which usually involves a look at claims rates for similar (existing) cars, manufacturer-specific labour and parts costs, expected regional distribution (for example, a new BMW will probably sell better in Bavaria than in other areas, which has higher labour rates than most of the rest of the country, and will be categorised accordingly), and other factors, depending on the situation. These preliminary judgments are largely discarded when the new statistics are compiled, though, which is once a year. New insurance groups are published in early September and usually applied to insurance contracts on January 1st.


Well, you're obviously wrong. Anyone can start a hedge fund if they go through the proper ropes and get certified. I had my paperwork done through a company called Hedge Fund Dynamics, which I would never, ever recommend because they didn't deliver anything on time and I ended up starting at about the worst possible time. Other than that, all you need is a prime broker, and an outside accountant to do your taxes and reporting.


These two categories ensure you will carry the card in your wallet (since they only work for physical locations), but don't tend to have excessive spending (most people maxing out at $200 or so per month, so $2 for the bonus). You then use the same card for other purchases, because you have it on you, where you only get the 1%. It worked for me, I started carrying the Amazon card when I found out it had a higher percentage for gas purchases. I only use it for gas though.


In short, thanks to the answers and comments posted so far. No actual money is magically disappeared when the stock price goes down but the value is lost. The value changes of a stock is similar to the value changes of a house. The following is the long answer I came up with based on the previous answers and comments alone with my own understandings. Any experts who find any of the following is 200% out of place and wrong, feel free to edit it or make comments. Everything below only applies if the following are true: The stock price is only decreasing since the IPO because the company has been spending the money but not making profits after the IPO. The devaluation of the stock is not the result of any bad news related to the company but a direct translation of the money the company has lost by spending on whatever the company is doing. The actual money don’t just disappear into the thin air when the stock price goes down. All the money involved in trading this stock has already distributed to the sellers of this stock before the price went down. There is no actual money that is literally disappeared, it was shifted from one hand to another, but again this already happened before the price went down. For example, I bought some stocks for $100, then the price went down to $80. The $100 has already shifted from my hand to the seller before the price went down. I got the stock with less value, but the actual money $100 did not just go down to $80, it’s in the hand of the seller who sold the stock to me. Now if I sell the stock to the same seller who sold the stock to me, then I lost $20, where did the $20 go? it went to the seller who sold the stock to me and then bought it back at a lower price. The seller ended up with the same amount of the stocks and the $20 from me. Did the seller made $20? Yes, but did the seller’s total assets increased? No, it’s still $100, $80 from the stocks, and $20 in cash. Did anyone made an extra $20? No. Although I did lost $20, but the total cash involved is still there, I have the $80 , the seller who sold the stock to me and then bought it back has the $20. The total cash value is still $100. Directly, I did lost $20 to the guy who sold me the stock when the stock has higher value and then bought it back at a lower price. But that guy did not increased his total assets by $20. The value of the stock is decreased, the total money $100 did not disappear, it ended up from one person holding it to 2 people holding it. I lost $20 and nobody gained $20, how is that possible? Assume the company of the stock never made any profit since it’s IPO, the company just keeps spending the money, to really track down where the $20 I lost is going, it is the company has indirectly spent that money. So who got that $20 I lost? It could be the company spent $20 for a birthday cake, the $20 went to the cake maker. The company never did anything to make that $20 back, so that $20 is lost. Again, assume the stock price only goes down after its IPO, then buying this stock is similar to the buying a sport car example from JoeTaxpayer (in one of the answers), and buying an apple example from BrenBarn(in one of the comments from JoeTaxpayer’s answer). Go back to the question, does the money disappears into the thin air when the value of the stock goes down? No, the money did not disappear, it switched hands. It went from the buyer of the stock to the company, and the company has spent that money. Then what happens when the stock price goes down because bad news about the company? I believe the actual money still did not just disappear. If the bad news turn out to be true that the company had indeed lost this much money, the money did not disappear, it’s been spent/lost by the company. If the bad news turn out to be false, the stock price will eventually go up again, the money is still in the hand of the company. As a summary, the money itself did not disappear no matter what happens, it just went from one wallet to another wallet in many different ways through the things people created that has a value.


I strongly suggest you go to www.investor.gov as it has excellent information regarding these types of questions. A mutual fund is a company that pools money from many investors and invests the money in securities such as stocks, bonds, and short-term debt. The combined holdings of the mutual fund are known as its portfolio. Investors buy shares in mutual funds. Each share represents an investor’s part ownership in the fund and the income it generates. When you buy shares of a mutual fund you're buying it at NAV, or net asset value. The NAV is the value of the fund’s assets minus its liabilities. SEC rules require funds to calculate the NAV at least once daily. Different funds may own thousands of different stocks. In order to calculate the NAV, the fund company must value every security it owns. Since each security's valuation is changing throughout the day it's difficult to determine the valuation of the mutual fund except for when the market is closed. Once the market has closed (4pm eastern) and securities are no longer trading, the company must get accurate valuations for every security and perform the valuation calculations and distribute the results to the pricing vendors. This has to be done by 6pm eastern. This is a difficult and, more importantly, a time consuming process to get it done right once per day. Having worked for several fund companies I can tell you there are many days where companies are getting this done at the very last minute. When you place a buy or sell order for a mutual fund it doesn't matter what time you placed it as long as you entered it before 4pm ET. Cutoff times may be earlier depending on who you're placing the order with. If companies had to price their funds more frequently, they would undoubtedly raise their fees.


It will have some positives, and some negatives. The hardest hit will be the insurance agencies, as well as banks. Manufacturing will also take a short term hit. When insurance payments come out, then there will be a boom in construction, consumer goods, industrial goods, etc. Companies will upgrade their equipment whereas before they might have let it run for another 10-20 years or longer. After all, if you are going to buy something, you aren't going to get it used, you'll get something more modern. Of course, Japan already was one of the most modern countries in the world, so they likely won't see as many gains as other countries, but this would hold more true in a less technologically advanced society. Long term, 10-20 years down the line, when everything is rebuilt, it might have a slight positive increase in productivity, but this will be somewhat offset because Japan already is such a technological powerhouse, and on the cutting edge in many technologies. But I agree, it's quite foolish to say that it'll improve the economy of Japan, some clarification should be done to clear that one up...


"This is the best tl;dr I could make, [original](https://mobile.nytimes.com/2017/08/03/style/what-is-cryptocurrency.html?referer=) reduced by 95%. (I'm a bot) ***** > Most readers have probably heard of Bitcoin, the digital coin that dominates the cryptocurrency market. > As traditional paths to upper-middle-class stability are being blocked by debt, exorbitant housing costs and a shaky job market, these investors view cryptocurrency not only as a hedge against another Dow Jones crash, but also as the most rational - and even utopian - means of investing their money. > Assuming one&#039;s money is protected, there are, of course, the standard risks of investing, amplified by the volatility of cryptocurrency. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6sdv1b/ethereum_in_nytimes/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~186120 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **cryptocurrency**^#1 **market**^#2 **money**^#3 **coin**^#4 **invest**^#5"


There's an easy fix for this. As a customer, just book multiple companies and show up to the rental counters in the order that you prefer and if you have a problem, just walk to the next one. Unlike flights, there's no penalty for a no-show car reservation.


Both of you sit down with a lawyer who practices in real estate and foreclosures, and hash out every single possibility of what could conceivably go wrong, with nothing out of bounds. Come up with a reasonable and fair plan for resolving each situation, that you are willing to commit to, life and breath, for real, no exit. Put all of it into a legal commitment between you two. However this is a fearless, searching and even ruthless contemplation, requiring a level of intimacy and personal responsibility you may not be comfortable with. and there's absolutely no room for dancing around unspoken questions. So in essence, it puts the hardest stuff up-front. If you put that much thought and honesty into it, you'll probably be OK. But you probably won't want to be that honest, or won't want to do the deal after you do.


>wasn't told he still needed to pay back the difference in the loan once he did Ouch. Even though sometimes you dont have to pay the difference if the collateral wasnt sold in a commercially reasonable manner. Its been a while since ive read title 9, but there are a lot if rules about selling collateral after repossession. It sounds like the collection company really screwed him over by selling way under market.


"In the US, the government effectively sets a price floor for rents with a concept called ""prevailing rent"" for government subsidy. Even the crappiest, minimally compliant hovel is ultimately worth whatever the government will issue housing vouchers for. Rent can and does fluctuate for the higher end of the market. Basically in most places the available, cheap credit has a negative impact on rent prices, and tighter, costlier credit increases demand and rents. Local economic events have an impact too. If the company closes in a company town, people leave."


Well, premium is the least of my worries. I would rather worry about that than have to worry about a margin call. I hate debt, and so this is the draw for me. I will check on that. I have a few books on options and derivatives, and I find it quite fascinating! I would really like a specific book on future options, but I will take a look through the books I have. Thanks!


Foreign Exchange (Forex) trading is extremely difficult to do profitably over time – for retail investors and institutional investors alike. Many Forex traders enter the markets with hope of a profitable trading adventure, only to find themselves overwhelmed by the complexity of the markets. Binary options trading enables traders who have experienced difficulty in the Forex market to trade options.


>actual overall change in value What is ‘actual’ value? The value of a thing in economics is what someone will pay for it. If ‘actual’ value didn’t change for months, why are people willing to buy and sell at different prices? >the only possible returns come from “taking” someone else’s value Can you explain in clear economic terms what you mean by this? Who is taking what value and how? >there’s no net benefits to society You say you’re not making a value judgment, but I see no other way to interpret this statement.


I see that at work too. People too ignorant to use Excel to store financial information so they hand you a sheet of paper with 20 ticker tape receipts from a ticker tape calculator showing how they added up numbers as support for a transaction...really? How much money is this costing the company on an annual basis?! Ticker tape fades, our soft documents are backed up off site nightly... EDIT: There are a lot of jobs (private and public sector) that are simply obsolete but people cling to them anyway because of politics and general organizational-disorganization.


I lucked out and bought a beat little 640 sq. ft. bungalow in S.E. Mass for short money in 2008 hoping that I'd be able to build up some equity and upsell into a nicer house (i.e. one with more than three rooms and a roof that doesn't leak). The good news (I guess) is that I'll be paid off in just a few years, but the bad news is that this little bungalow will have to do for a long time. House prices in the places that I'd like to live are through the roof, and if you're not a cash buyer you're pretty well fucked. I can't afford to sell without the hope that I'd be able to actually buy another house.


Two points You don't really get the full 10,000 annual interest as tax free income. Well you do, but you would have gotten a substantial amount of that anyway as the standard deduction. ...From the IRS.... Standard deduction The standard deduction for married couples filing a joint return is at $11,900 for 2012. The standard deduction for single individuals and married couples filing separate returns is $5,950 for 2012. The standard deduction for heads of household increases by $50 to $8,700 for 2012. so If you were married it wouldn't even make sense to claim the 10,000 mortgage interest deduction as the standard one is larger. It can make sense to do what you are talking about, but ultimately you have to decide what the effective interest rate on your mortgage is and if you can afford it. For instance. I might have a 5% mortgage. If I am in a 20% tax bracket it effectively is a 4% mortgage to me. Even though I am saving tax money I am still paying effectively 4%. Ultimately the variables are too complex to generalize any hard and fast rules, but it often times does make sense. (You should also be aware that there has been some talk of eliminating or phasing out the mortgage interest deduction as a way to close the deficit and reduce the debt.)


What is the interest rate on the balance you'll be carrying? Even at a modest interest rate of only 10% (many cards can be double that) means you'll pay $500 in interest if you carry the $5000 balance for a year. At 20% you'll pay $500 interest in just six months. You also mentioned this would be $5000 MORE than you usually spend in this time, so I imagine your balance could be higher.


So far I am doing mint.com for a few minutes a couple of times a week, despite my security concerns, and that's working fairly well as practice until my job starts. I'm hoping to get my bank to allow up to date transaction download, and then I'm considering using YNAB once I start my job. I will update this as I go along.


They're not. Literally by definition and existence. Cow milk is designed by nature to grow a baby calf to a four-legged, 800+ lb beast of a creature. A human baby has its own, natural, species-correct source of this kind of sustinence. As an adult human (or any human for that matter) there is no reason to consume what is effectively mass growth hormones and steroids from a species that is not yours. Would you breast feed off of a cow? Would you let your child? Why not?


The problem with Atlantic City is that it's a shit hole. You take on step in the wrong direction and you're in the slums. They no longer have a monopoly on gambling and there are countless other destinations that are easier to get to and offer a better vacation. It's destined to rot.


The simplest method is just to write a check from one account and deposit it in the other. If you are the owner of both accounts, you should be able to electronically deposit the check using their phone apps. Depending on the amount you are transfering, it may take a few days for the check to clear.