This is the 21st century.. What do people expect? The Mongolians to attack? How is a dumb wall gonna help. He could pay for the stupid wall himself if he wants to make a statement. Or maybe his supporters should donate money for it and volunteer their time to build the worthless thing. Border wall is one of his dumbest campaign promises. We have so much better technology to do so much more for border security than a stupid wall. Put the money to better use.


Well following your train of thought, if someone used the Visa/Amex/MC gift cards to buy something at another store, couldn't Visa/Amex/MC go to those stores and ask for evidence of who used the cards and then go after those people? The rabbit hole could go pretty deep, but if the amount was large enough they might be motivated to at least make examples of some people to discourage this in the future.


"In economics, there is a notion called the Sunk Cost Fallacy. In a nutshell, the sunk cost fallacy says that human beings tend to prefer to ""throw good money after bad"" because of a strong loss aversion. That, coupled with how we frame an issue, makes it very tempting to say, ""if I just add these funds, I'll recoup my loss plus..."" In reality, the best best is to ignore sunk costs. (I know, far easier said than done, but bear with me a second.) How much you've invested is really irrelevant. The only question worth asking is this: ""Would I invest this money in the asset today?"" Put it this way - any money you spend on ""rescuing"" this upside mortgage is an investment that trades ready funds for a little more equity. Knowing that the mortgage is $100K in excess of the value, why buy that asset? If you could do a HARP, different story - but as you say, you can't. As such, buying into that investment is not the best use of your funds. You are throwing good money after bad. Invest your money where it will earn the best rate of return - not where your heart lead you."


For so little use, you are probably better off not owning a car. Car ownership has high fixed costs and unexpected ones like repairs. Difficult parking makes it worse. If you do buy a car, you probably shouldn't buy a new $20k one. A used car will depreciate much less. Be aware that if you own a car, you will end up using it much more than you thought. That may be good or bad. When you already paid the fixed costs, using it feels almost free, so you will start driving where you used to bike to take public transport. Then you will notice that parking in the center is annoying, so you will start shopping at big stores out of town.


It's difficult when you read every few sentences and a new phrase pops out. I'm not procrastinating here, I feel getting an overview of it here while I can ask specific questions about terms I don't understand will help me more than just reading it on my own. At least that's what I've found. I'm not smart and I learn better this way.


They might not have to open accounts at 12 bank because the coverage does allow multiple accounts at one institution if the accounts are joint accounts. It also treats retirement accounts a separate account. The bigger issue is that most millionaires don't have all their money siting in the bank. They invest in stocks, bonds, government bonds, international funds, and their own companies. Most of these carry risk, but they are diversified. They also can afford advisers to help them manage and protect their assets.


Stop order is triggered when the market reaches the price you set. Until then - its not on the books. Your understanding is wrong in that you don't go to read the definition of the term.


Killer product descriptions that prompt deals aren't really difficult to compose. Notwithstanding what may be normal, once you know the condition and key fixings that make one up, you can take after a clear game plan of steps each time you create another for an item. But hiring a Professional is a better idea. You can get Amazon Product Description Writing Services from Mmf Infotech.


"> You must understand that the major difference between borrowing from an individual and borrowing from a financial institution is that in both cases you make exactly the same pledges and have exactly the same obligations. Yes, I got that. > The bank expects a certain percentage of its borrowers to default Its insurance also expects that a certain percentage of banks will be robbed. Which in your universe makes bankrobbing kinda okay I guess. > Your bank doesn't ""trust"" you any further than it could throw you. The bank does trust in pacta sunt servanda and the rule of the law. Otherwise it would never do any business with anyone. And no offense, but after your arguments here, I personally wouldn't lend you lunch money."


"Seems to me you don't have a ton of great choices, but of them: Keep going as you are. If/when the car becomes unusable without significant expenses, stop using it. Buy another junker and use that to get by until your loan is paid off. From now until then, put aside a few hundred (or whatever you can, if more) each month towards the anticipated purchase. When you do buy this junker, pay in cash - no loan. Just get something that will take you to work, and that includes ""bike"" if that's a possibility. When you can, sell the no longer usable car to finish paying off the loan. Start aggressively paying off the current loan, with the eye of getting it down to where you're not underwater anymore. Then sell the car and dispose of the loan, and buy a better replacement. Scrimp and save and cut everything - eat cheaply (and never out), cut your personal expenses everywhere you can. If you get another $250 a month towards principal, you can probably be no-longer-underwater in about a year. Get a personal loan today for the amount that you're underwater, and immediately sell the car. This gets you out of the loan and car the quickest, and if you think the car will devalue significantly between now and when you might be not underwater anymore, this might be the best option. But it's the most expensive, likely - you'll pay 12% to 20% on the difference. Now, 12% of $5000 is less than 5% of 15000, so it might actually be a good financial deal - but you'll probably have to shop around to get 12-15% with a 660 (though it's probably possible). You'll still be without a car at this point, though, so you'd have to buy another one (or live without for a while), and you'd still have a payment of some sort, but perhaps a more manageable one ($5000 @ 12% @ 5 years means something a bit over $100 a month, for example.) I recommend that if you can get by without a car for a while, option 2 is your best bet. All of these will require some financial care for a while, and probably cutting back on expenses for a year or two; but realistically, you shouldn't expect anything else. Get a budgeting app if it will help see how to do this. As far as getting out of the loan without paying it, I don't recommend that at all. Your credit will be ruined for at least seven years, and 660 is not bad at all really, and then would take yet more years to recover. You will likely be sued for the balance plus collection costs, beyond repossession. The consequences would be far, far worse than just paying it off, and I mean that financially as well as ethically."


Stock is a part ownership of a business. First there has to be a business that people want to own part of because they expect to make a profit from that ownership. Nobody is going to be interested if the business isn't worth anything. In other words: sure, you could try to start a movie production house to make this film and others... But unless you are already a major player AND already have a lot of money invested in the studio, forget it. This isn't GoFundMe or Kickstarter. Nobody is going to buy stock because they want a copy of the DVD that you promise will be available in two years' time.


"Whether you use a professional financial planner or not, the basic steps are the same. It seems like you have done some detailed work on step 1, perhaps less detail (but not necessarily insufficient detail) on step 2, and concluded that you don't need to change anything in step 3. That's fine - if you concluded that you don't need to change anything, then you don't need to change anything! What you need to do from now on is There is nothing complicated or difficult about any of this. To paraphrase Charles Dickens, ""Income greater than expenditure - result, happiness. Income less than expenditure - result misery."" Talking to a financial planner might encourage you to spend less (though of course you just acquired a new expense, ""buying financial planning advice""), just like joining to Weight Watchers might encourage you to eat less or exercise more. But in the end, it's you who have to take the action - other people can't do it for you."


Just finished moving my Mother In Law from her 1500+ sq ft condo into 400 sq ft assisted living. We had grandiose ideas of selling all the valuable antiques and furniture to help her financially. Turns out no one wants it, for the most part. Made a few hundred dollars for many hours of works from half a dozen people. Ended up giving 80% of it to Goodwill/Salavation Army. Even her $6000 fur coat was only worth $200. Too much supply, not enough demand. All I know is that my wife and I are now going through our stuff and getting it out of our lives so our son doesn't have to deal with it (in the *far* future, hopefully!)


"Sorry buddy, you don't get to say you're wrong when your models are consistently proven inaccurate. It is demonstrative of a fundamental flaw in methodology. If you want to throw around statistical anylaysis it behooves you to verify and critique those models. >hey, look at all these facts, well researched figures, and data that gets someone to this conclusion I didn't say that. I said oh hey look someone trying to stand on Nate Silver's shoulders, as if his methodologies and analysys weren't the laughing stock of the previous election. The other ""statistics"" was one poorly done histogram from a loosely related study offered as evidence to support an opinion piece. That's what you don't get. You're bought into a world with a substantial cognitive dissonance and then you try to swing science around as if it supports your beliefs when it doesn't. >From your understanding of the processes, to random sampling, to what stastical models represent, to facts in and of themselves. Explain to me how the methodology for an exit poll is substantially different from the methodology for a prediction poll, other than the obvious ""everyone is a likely voter."" That being said I think the numbers are representative of the voting trends ( the silver one, the other one is to small) from the exit polls because they don't get to play with the voter model, my critique is against the logical leap that one must be unintelligent or uninformed to have voted for Trump. There is no evidence for that. Only your ad hominem attacks. The arguement is that those willing to manipulate their models to make a conclusion evident shouldn't be trusted to make reaching conclusions about the state of the electorate when they hold obvious bias."


"As someone who grew up in the restaurant business, I can vouch for your argument. Usually it goes like this: 1) Restaurant opens, has unique recipe / menu / whatever that works well 2) Restaurant expands 3) Recipe / menu / whatever is turned into a mass production model of its former self to match increase in scale = quality suffers for quantity (think grandma's homemade sauce after being ""streamlined"" through a PowerPoint presentation by a food consultant) 4) Restaurant goes to shit"


"Well, as they state ""the decreases in median net worth appear to have been driven most strongly by a broad collapse in house prices"". When you're caught holding an overvalued asset, was your previous worth really a true estimate? A better headline might be ""median family wealth corrected to true value after previous accounting errors found."""


"this actually sound mature. If Anything, OP can admit that they just glossed over finance in accounting, but he is currently remedieng this but taking a proper grip on finances. the HR person might be impressed and keep OP on a ""prospective employees"" list. he can call every three monthts to check. he might get promoted to a position higher when getting hired."


Custom fields are limited to non-calculated values. Read more here: http://qbblog.ccrsoftware.info/2008/07/custom-fields-in-quickbooks/ To do this you will need an add-on. I would reccomend CCRQInvoice, but only because its the only one I've tried and it worked. More here (this is an order form example, but it works): http://ccrqblog.ccrsoftware.info/adding-calculated-fields-to-order-forms/ The product info is here: http://www.ccrsoftware.com/CCRQInvoice/InvoiceQ.htm


Be careful about your hard and fast rules. I'm flying first class in November because it was $1000 cheaper than flying coach, as bizarre as that sounds. I don't really know why the airline was pricing tickets the way they were (though the time I booked was when a hurricane was about to hammer florida + puerto rico and airlines were gouging people) because the tickets were for the exact same flight and there were very few seats reserved. At best I would suggest you say that public employees / union reps should fly the most inexpensive option (though I'm sure the scenario I encountered doesn't happen often).


Why not combine CS and finance? It's a deadly combination! A few schools out there are offering degrees in Quantitative Finance. Check out Stevens Institute of Technology, they have a great program in the field (I'm currently an undergrad there and I love it).


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In most countries trading platforms are legally required to be overseen by a regulator, in the US this is the SEC (Securities and Exchanges Commission). This regulatory oversight is required in order to operate (i.e. have clients) in that country and the company will lose the right to operate in that country if they do not comply with the regulations. If you believe that you have genuine cause to complain that a trading platform that you are using within your jurisdiction is behaving unfairly towards you you can report this to the regulator and they will investigate so long as you can provide them with some concrete evidence. Note that in many jurisdictions gambling websites are also regulated (they are in the UK for example) and so arguments about their fairness are specious. A big problem with a lot of these complaints is that people who lose money are very vocal about blaming everyone else, people who make money are very vocal about their own amazing skills... think about that!


You are right, it is a Ponzi scheme unless it pays all of the profits as dividends. Here's why: today's millenials are saving a lot less, and instead they choose to be spenders. It's just that their mentality is different. If the trend continues there will be more spenders and less savers. That means that in 20 years from now, a company might sell more and make more profits, but because there are less investors on the market it will worth less (judging by supply and demand this has to be true). Doesn't that seem like a disconnect to you guys? Doesn't that just prove that all those profits are not really yours, but instead you're just sitting on the side making bets about them? If I own a company from the point where it goes public and while the value goes up I hold on to it for 50 years. Let's say for 45 years it made tons of profits but never paid a cent in dividend, and then in 5 years it goes out of business. What happened to all the profits they made throughout the 45 years? If you owned a restaurant that made a profit for 45 years and then went bankrupt you are fine, you took your profits every year because why on earth would you reinvest 100% of the profit forever? But what if you could sell 49.9% of that restaurant on the stock market, get all of that IPO money and still keep all of the profits while claiming that you reinvest it forever? That's exactly what they do! They just buy expensive things for personal use, from fancy cars to private jets, they just write it down as an investment and you can't see what the money was spent on because you are not a majority stakeholder, you have no power. It was not like this forever, companies used to pay all of their profits in dividends and be valued according to that. Not anymore. Now they are just in it for the growth, it will keep growing as long as people keep buying into it, and that's the exact definition of a Ponzi scheme.


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This is for my final project in my international business major. I'm looking at country of origin effects on whiskey and whiskey regions. If you have the time, please take the survey. You don't need to know anything about whiskey. In fact I need more people with less knowledge of whiskey as I've got a lot of responses from /r/whiskey already. I know this might not exactly fit this subreddit as it's not news, but it is business related. And I'm happy to provide the results of the survey for those interested! (Though only this survey, I can't release my final report due to confidentiality agreements with some distillers I've interviewed.)


"You will definitely want to look into odd jobs, if possible. I'm sure this sounds patronizing, but the biggest problem you have right now is your credit card debt, most likely at very high interest rates. You said you have enough to ""make your payments"", but you didnt specify what that meant. Are you making the minimum payments only? If you're only making the minimum payments, you'll want to really find SOME way to scrounge even an extra $50 together each month (odd jobs specifically. You might also want to try mturk, where you get paid to fill out surveys). You see, by making only the minimum payment, you are actually probably only putting a few dollars at all to principal. Most of the rest went to last month's interest charges. The best thing to do is lay out each card and what the interest rate is. You have 9 of them, so this seems like a bit of a task. The first step is to identify which card has the HIGHEST interest rate. There are two things you can do then. You either throw every extra penny you have at that specific card, OR, you find some way to move that balance to your LOWEST interest rate card. In all cases, your goal is to move debt from the high-interest rate cards to the low interest rate cards. Once you can't move debt around anymore, your goal then is to pay only the minimums on all the low-interest rate cards, and put EVERY SINGLE SPARE PENNY you have towards the higher ones. If you don't mind me asking, can you outline all 9 cards and how much you owe on each, adn what each's interest rate is? It's possible you don't know, and that's problem one. If you don't know the interest rate of each card, then you don't even really know which card you should be paying off first. Edit: How miuch do you spend on food a month? If you were really really determined to get over this, you'd basically just eat rice and beans, or buy nearly-bad bananas and eggs. These are the cheapest foodstuffs you can find."


Market capitalization is one way to represent the value of the company. So if a company has 10 million shares, which are each worth $100, then the company's market capitalization is 1 billion. Large cap companies tend to be larger and more stable. Small cap companies are smaller, which indicates higher volatility. So if you want more aggressive investments then you may want to invest in small cap companies while if you lean on the side of caution then big cap companies may be your friend.


"Or it could be a Robinhood user just messing around with their free commissions. I've seen ""people that work for organizations"" and other analysts go crazy over some completely benign activity. It is like playing poker with a newbie, unpredictable."


"*While the politicians delay dealing with the stickier issues of immigration reform, surely they could get together on abolishing the limits on H1b visas for young educated foreign workers.* Yes, surely they could get together on abolishing the limits on H1b visas for YOUNG educated foreign workers and thereby throw even more older tech workers out of work. As you can see from the first graph and table at http://econdataus.com/h1binfo.htm , the top 11 users of H1b visas in 2013 were companies heavily involved in outsourcing. And as you can see from the third graph and table at http://econdataus.com/h1binfo.htm , over 80 percent of initial H-1B hires are under 35. Few of those high tech firms pushing to increase or abolish the limits on H1b visas even suggest that we need have any concern for U.S. workers. Perhaps workers and other citizens should reward those tech companies by giving them a taste of their own philosophy. Ignore any suggestion that we give any deference to tech products made in the U.S. and buy only foreign products. That will help build the foreign competition, giving those foreign workers places closer to home at which they can work. That may dry up the supply of cheap foreign labor and cause U.S. companies to treat their U.S. workers a little better. And, to paraphrase the pro-H1b philosophy, why should we buy a product made in the U.S. when a ""more qualified"" one is available from a foreign country?"


At revscheck.report, get your boat HIN number and other vehicles VIN number check report at minimal price in NSW, OLD, SA and WA region. We provide government approved PDF report of second hand vehicle which include complete details include loan history.


All the things you suggest are good, but I think like everything else the key is practice. Study some topics, then try them out. There are many many sites out there that have free or cheap virtual trading.


"To explain why you have to be 18: If you are not 18, then any contract that you sign can be voided (made invalid) by either you or your parents. So it would be completely legal for you to go to the bank, ask for a $1000 loan, and for the bank to give you the loan. But then you could spend the money, and tell the bank ""sorry, I changed my mind, I don't want that loan, and sorry again, but the money is gone"". At that point, there would be nothing the bank could do to get their money back. Obviously, banks don't like this, so they won't lend you money."


An inbound call centre service involves handling incoming calls made by the pre existing and new clients regarding queries or placing orders of the products being promoted. Outsourcing inbound call centre services give the organizations enough time to focus on the core functions of the companies, concentrate on expanding the businesses & reaching to targeted market that directly or indirectly leads to profits.


Weight Loss Supplements contains all the essential products for you to start losing weight and getting fit. The most common when choosing a vegan diet is for ethical reasons, to care for the environment or to improve health, although the latter may not be sufficiently informed. Getting down or toning involves losing weight and gaining muscle, to get the body you've always wanted - and our VEGAN WEIGHT LOSS SUPPLEMENTS are the perfect starting point for anyone. Usually a vegan does not agree with how the meat industry works or how animals are farmed on farms to produce milk, eggs etc. And try to make the food industry friendlier to animals.


To be fair, making a twitter-esque website so people can talk, and actively hacking an election are two very different, and incomparable situations. I'm not saying what we did is okay, because it isn't. But there's orders of magnitude of difference there that you're ignoring.


I'v actually heard of this before, the idea is that you gamble across the spread. Most of these have a place in a risky asset class in portfolios. Think of it as the little bit of crack you do on the side of your vanilla life.


Finance noob here. Am I reading the article right that he's saying MPT bad, active management good? If so, what is that saying about how I should manage my portfolio (assuming I am only dedicating a few hours a month)? >he suggests that if you don't have an edge, no one needs to play the game So what do I do then? Are there specific strategies? Also, could you suggest a good explanation of why MPT is bad?


This would literally have changed nothing about the shikreli situation. That was a manufacturer, Amazon has obtained licences to be a middle man (buy from mfgr at mfgrs price and sell to pharmacies and potentially direct to consumer though they need additional licences for that.)


I can understand if people think I'm showing off. I'm not trying to and I'm extremely sorry if it seems like I am. Trust me, my Beta is probably much larger than it should be relative to my returns. However, I think I can keep the pace up but I just didn't know if this was too short of time to try and make a decision off of or not


Recommend using quickbooks for account management. If you use the manufacturing and wholesale you can track POs from vendors, estimates, bill payment quotes and invoicing (there's an editor to customize your set up)Also, most accountants are very familiar with this platform so come tax time they'll be able to give you a hand no problem. For accepting payments I highly suggest asking for checks. If you do accept credit cards keep in mind most payment processors charge a percent (1.5-3%) depending on transaction amounts and quantities of transactions. So you'll want to mark up your products by at least that amount. Another area is sales tax. Since you are not the end user you should be able to avoid sales tax on the items you will be selling to customers. You then charge the customer this sales tax. Not sure about NJ but in Texas we are 8.25%. I then pay the state of Texas the taxes collected quarterly. Edit: also make sure you have separate finances for the LLC. Separate checking, separate credit card, separate everything! If you end up using an account that is tied to you personally then you run into the risk of losing the protective nature of an LLC from a legal standpoint. Edit2: by separate I mean using your IRS issued EIN number to open accounts with the LLC name. When you sign anything on behalf of the company make sure to add the name of the company next to it to show the company is making the signature not you. For instance u/sexlessnights Company name, LLC


Regardless of opinions on the subject matter, this is not an appropriate thing to do at work. Edit: I'm not denouncing the act of voicing concerns; rather, I'm saying that posting a lengthy dissertation which runs counter to the company's public stance on diversity while said company is embroiled in a federal investigation regarding possible pay biases is not appropriate.


It means it's estimate and not final numbers and generally used for future years


There's no best strategy. Options are just pieces of paper, and if the stock price goes below the strike price - they're worthless. Stocks are actual ownership share, whatever the price is - that's what they're worth. So unless you expect the company stock prices to sky-rocket soon, RSU will probably provide better value. You need to do some math and decide whether in your opinion the stock growth in the next few years justifies betting on ESOP. You didn't say what country you're from, but keep in mind that stock options and RSUs are taxed differently and that can affect your end result as well.


As has been pointed out, one isn't cheaper than the other. One may have a lower price per share than the other, but that's not the same thing. Let's pretend that the total market valuation of all the stocks within the index was $10,000,000. (Look, I said let's pretend.) You want to invest $1,000. For the time being, let's also pretend that your purchasing 0.01% of all the stock won't affect prices anywhere. One company splits the index into 10,000 parts worth $1,000 each. The other splits the same index into 10,000,000 parts worth $1 each. Both track the underlying index perfectly. If you invest $1,000 with the first company, you get one part; if you invest $1,000 with the second, you get 1,000 parts. Ignoring spreads, transaction fees and the like, immediately after the purchase, both are worth exactly $1,000 to you. Now, suppose the index goes up 2%. The first company's shares of the index (of which you would have exactly one) are now worth $1,020 each, and the second company's shares of the index (of which you would have exactly 1,000) are worth $1.02 each. In each case, you now have index shares valued at $1,020 for a 2% increase ($1,020 / $1,000 = 1.02 = 102% of your original investment). As you can see, there is no reason to look at the price per share unless you have to buy in terms of whole shares, which is common in the stock market but not necessarily common at all in mutual funds. Because in this case, both funds track the same underlying index, there is no real reason to purchase one rather than the other because you believe they will perform differently. In an ideal world, the two will perform exactly equally. The way to compare the price of mutual funds is to look at the expense ratio. The lower the expense ratio is, the cheaper the fund is, and the less of your money is being eroded every day in fees. Unless you have some very good reason to do differently, that is how you should compare the price of any investment vehicles that track the same underlying commodity (in this case, the S&P 500).


The website likely has no differentiation. I am hoping, however, the service does. I'm not looking to break down a fledgling business plan, I am just looking for information on how and where to build or buy a website that performs thusly: Company creates account and posts the service they can provide, Consumer applies for said service, I deal with some required middle-man work which is at the cost of the consumer.


No. In good years, the income seems free. In a down year, particularly a bad one, the investor will be subject to large losses that will prove the strategy a bad one. On the other hand, one often hears of the strategy of selling puts on stock you would like to own. If the stock rises, you keep the premium, if it drops, you own it at a bit of a discount from that starting point.


"Tell them you will not loan them any more money until their existing debts are paid off. This is closer to how the real world works and it won't come across as vengeful or like your changing your initial ""contract"". If they protest, lovingly tell them that your money is not their money, and that an interest free loan from their father is a privilege, not a right. As far as charging interest on your loans, go for it! Charge them 5% or something small. Just don't do it on the existing loans or that will come across as changing your initial ""contract"" again, and perhaps once they've proven themselves to be reliable borrowers they can once again earn the privilege to have an interest free loan. The book ""The Millionaire Next Door"" has really good thoughts on this in its section on Economic Outpatient Care."


Chaos theory is two essays combined as a book. It's short. You could probably read the whole thing in under 2 hours. Also [here is a print version](http://www.daviddfriedman.com/Libertarian/Machinery_of_Freedom/MofF_Chapter_29.html) of David Friedman's theory. I do have a longer, more detailed explanation, but it's in video form (about an hour).


I can think of a several reasons:


A somewhat provocative (but not unserious) proposal: Rent, don't buy a house to live in. In 2007/8, the thing that got many people in deep trouble is their mortgage. It's not a productive investment but a speculative bet on what was in fact a bubble and a class of assets that is notoriously slow to recover after a slump. Before thinking about your savings or buying into silly ideas about gold, you should realise that as a middle class worker, the biggest risk after a crisis is losing your job. Renting your accommodation means being able to downgrade or move very quickly and not being forced to sell a house at the worse possible time. If you really do need to liquidate some of your investments at a bad time, having a more diversified portfolio means that you are not losing everything to meet some short-term obligations. Assuming you're in the US, this means forgoing some nice tax advantages that might be too tempting to resist (I'm not so I am basing this on what I read on this site) but, bubbles aside, there is nothing that makes real estate a particularly good investment as such, especially if you also live in the house you're buying. You might very well come out on top but you expose yourself to several risks and are less prepared to face a crisis.


"You could debate the ""why""s of tax policy endlessly. There are lots of things in tax law that I think are bad ideas, and probably a few here and there that I think are good ideas. I am well aware that there are things that I think are good ideas that others think are bad ideas and vice versa. To your specific point: I suppose you could say that having a place to live is a necessity. But most people do not live in the absolute minimum necessary to give them a place to sleep and protection from the weather. You could survive with a one-room apartment with a bed on one side and a toilet and some minimal cooking facilities on the other. Most people have considerably more than that. At some point that's luxury and not necessity. And if you want to push it, you COULD live in a cardboard box under a bridge, you don't NEED a house or apartment to survive. Personally I think it's absurd that as a home-owner I get a deduction for my mortgage interest, while if someone were to rent an identical house with a monthly rental equal to exactly the same amount that I am paying on my mortgage, he would receive no deduction. The stated goal of that one was to encourage home ownership. But people who own homes are generally richer than those who rent, so the net result is that the poor are paying higher taxes to help subsidize the homes of the rich. And then the rich congratulate themselves on how they are giving these tax breaks to help make housing more affordable for poor people. To reiterate @keshlam, tax laws only makes sense when understood politically. Yes, some people have fine ideas about what is fair and just. Others simply want tax breaks that benefit their business or people with tough financial situations that just happen by chance to resemble their own. Many of the people with noble ideas have little concept of what the implications of the policies they push are. Many of the ideas that some people view as worthy and noble, others view as frivolous, counter-productive, or even evil. Then you mash all these competing groups and interest together and see what comes out."


This is literally the worst article ever. First dividends are not guaranteed, and the higher the yield the higher the risk for a dividend paying stock. When buying a stock that pays dividends make sure they have the cash flows to cover it long term. Utility stocks are interest rate sensitive. If we head into a period of high interest rates, utility stocks are going to underperform, if not get killed. Exchange traded funds can be extremely risky, and some have much higher fees than mutual funds. Variable Annuities should never be purchased unless you have exhausted all other tax deferred strategies, and then probably still to be avoided because of high fees. Money markets and CDs aren't really investments. They're a cash alternatives that May not keep up with inflation.


"> it’ll be a matter of time before we go public, and we’re borrowing money to pay our shareholders, and new people are investing. And there’s also created debt, and we have to pay back that debt,” said Linehan, the manager in Tilton. Sounds like they are getting ready to use Starve the Beast tactics. ""Oh my! We have all of this debt. We're are going to have to make some cuts! People will lose jobs otherwise!"""


Listen, I didn't say I had black friends, said I had off-color friends. But, I do have a couple black friends although not as many as brown and yellow ones. I really don't make note of the fucking colors though, I could care less. It matters who they are, not their color. Why are you so racist? Look past the colors. Look past CNN Fake News. Look past the hate. Don't be a hater! The big question here is, why do you have so much hate in you? Let's talk about that. Maybe you can be more forthcoming about that.


In my mind, when looking at a five year period you have a number of options. You didn't specify where you are based, which admittedly makes it harder, to give you good advice. If you are looking for an investment that can achieve large gains, equities are impossible to ignore. By investing in an index fund or other diverse asset forms (such as mutual funds), your risk is relatively minimal. However there has historically been five year periods where you would lose/flatline your money. If this was to be the case you would likely be better off waiting more than five years to buy a house, which would be frustrating. When markets rebound, they often do it hard. If you are in a major economy, taking something like the top 100 of your stock market is a safe bet, although admittedly you would have made terrible returns if you invested in the Polish markets. While they often achieve lower returns than equity investments, they are generally considered safer - especially government issued bonds. If you were willing to sacrifice returns for safety, you must always consider them. This is an interesting new addition, and I can't comment on the state of it in the United States, however in Europe we have a number of platforms which do this. In the UK, for example you can achieve ~7.3% returns YoY using sites like Funding Circle. If you invest in a diverse range of businesses, you have minimal risk from and individual company not paying. Elsewhere in Europe (although not appropriate for me as everything I do is denominated in Sterling), you can secure 12% in places like Georgia, Poland, and Estonia. This is a very good rate and the platforms seem reputable, and 'guarantee' their loans. However unlike funding circle, they are for consumer loans. The risk profile in my mind is similar to that of equities, but it is hard to say. Whatever you do, you need to do your homework, and ensure that you can handle the level of risk offered by the investments you make. I haven't included things like Savings accounts in here, as the rates aren't worth bothering with.


"Wealth trickles up, they tend to concentrate only on a few entities. This is the nature of competition and the free market, there will be 90% losers and 10% winners who produce 90% of the world's demand. It's human nature, we tend to only buy from ""the few trusted-by-many"" producers, the ""superstar"" so-to-speak, or the ""unicorns"" as wall-street investors would like to call them. Taxing the rich to give to the poor, those money go back to the rich! It will not do much after the initial euphoria of ""Oh hey, I have more money! Now I can buy more stuffs"" from the poor. Might give politicians some vote, but after a while, we'll be right back where we were ""should we tax the rich more ?"""


"Bernie sources: http://www.npr.org/2016/02/12/466465333/sanders-favors-a-speculation-tax-on-big-wall-street-firms-what-is-that http://www.marketwatch.com/story/what-would-bernie-sanders-wall-st-tax-look-like-2016-02-14 http://www.politifact.com/truth-o-meter/statements/2016/apr/04/bernie-s/bernie-sanders-says-wall-street-tax-would-pay-his-/ > Heading out to open land to make your society in your image would definitely prove your point, as long as it works. And do that how? Buy my own island? Sea-stead and hope the US military doesn't just drop a seal team on my head? >We just have plenty of evidence that no government is less so. No, we really have evidence that structure is better than nothing. I'm not advocating for no structure. Businesses/Charities/Organizations/Etc. obviously work better when they are well structured. To answer your Enron example, no corporation would have enough power to actually do something like that if they didn't have at least partial backing by the government. You know the drill, big business buy politicians (""contributions""), politicians write big business laws (Anti-competitive to push small guys out). Then when big business needs additional help, politicians come in to save the day (bailouts). The market would be extremely more competitive if for example the Dodd frank act which to my understanding the repeal just recently passed the house went away. It has been choking community banks, just like Glass-Stegal did. It essentially only allowed the big banks to compete, surprise they did some stupid things (Great Recession) But if you don't think they didn't already know that they those bailouts were coming if needed, you are fooling yourself. These messages are almost getting to the point of TLDR. I want to simplify our debate a bit. The crux of my whole belief is this: The only way for a government to spend their citizens money in a better way than the citizens could would be if the government knew the utility of every single citizen. It is absolutely impossible to do that. The only people that truly know their own utility from something is them self. From here on I would like to debate the headlines like what I wrote above and not necessarily bullet points. We can every now and then but I find that we then start working on tangents of tangents of tangents and can get a little messy. However, I do not want to leave the current stones unturned with your response. I would say that if it was privatized, you are not going to have scope creep, at least not to the same extent. Say we have the LA militia that is wanting to help protect their ports, they want to help develop a new boat that is fast and can help maneuver around big ships quickly, like a better version of the new Mark Patrol boat. That money is their money directly, or the peoples money who they've asked to voluntarily give their money up to help protect their area. If they screw up and start asking for above necessary stuff or pick a developer who wastes their money, etc. They are going to lose ""business"", they will stop getting donations, lose profit, etc. However, the government doesn't have that. Why? Because their revenue/donations aren't voluntary. There really isn't accountability, especially in bureaucracy. To the exchange/stock problem: I would say that exchanges are private businesses too. They should have full reign on whether they allow trades. If they believe that there is an unnecessary selloff because of a fake tweet saying that President has been shot, they can stop that. If fact, it would be in there best interest to do so because it could limit unnecessary investor losses. It is unfortunate that the whole world is covered with governments. I wish there was another Western Hemisphere to populate and try new ways with. However, I would say that there is a clear shift away from government is society. A few examples, the driverless car. Elderly people and people who are disabled will be able to rely on the government less for transportation. Additionally, assuming everyone will eventually have a driverless car, there will be much less demand for traffic cops/ambulances/etc. Cryptocurrency/Noncash: As there are now more and more businesses that stop accepting cash (mainly starting with change), there will naturally be less robbers, because there is no money to steal (you could make the argument that there will be an increase in cyber theft, which I agree but not on a 1:1 ratio of the decrease in physical robberies), this decrease will help also lessen the demand for police officers. Package delivery: If it wasn't for the post office monopolizing their ability to deliver letters and using mailboxes, they would have gone broke a long time ago. Imagine Amazon, DHL, UPS, Fedex, etc all competing to deliver you letter. I'm assuming that it would be less than the cost of a current stamp and with a lot more assurance that it will actually get to its destination. Those are just a few examples"


No, you can also become more senior within the firm. It's not a board (of directors), it's just committees. Junior people (analyst/associates) screen deals and present it to senior people (VPs, directors) and if they think the deal should go ahead then even more senior people (MD/partners) will look at it and make the final decision. But such processes obviously depend on the firm...


"I don't think you're missing anything on the math side as far as the payments. Likewise, it may seem everyone's driving a nicer car, but I'm going to predict that's based on area and a few other factors (for instance, my used car feels like riches in a college town). The behavior of why people would pay money, especially with high interest debt, for something is a little different. To explain the behavior behind people who purchase luxury cars: for some people, a car is a purchase that they value, similar to a person valuing the clothes they wear, the house they live in, or the equipment they buy and either borrowing or paying full price on an expensive car is worth it to them. We can call it a status symbol dismissively and criticize the financial waste without realizing, ""Wait, this is something they value"" like a rare book collector likes rare books (would a rare book collector pass on borrowing money if it meant a once-in-a-lifetime rare book purchase opportunity?). Have you ever felt, ""Wow this is cool/awesome/amazing"" with something? Basically, that's how many of them feel toward these cars. As much as I'd love to say they're only doing it for status (because I'm not a car person), that's actually somewhat de-humanizing and the more I've met people like this, the more I've realized this is their ""thing"" and to them it's totally worth it (even with all the debt). I have no doubt that there's a percentage of them who truly may be misled - maybe they don't realize the full cost of borrowing money or leasing. Still, for those who don't care the full cost, that's because it's their thing. We can all agree that it's still not wise to do financially (borrow on a luxury vehicle), and it won't change that some people will do it."


However, it is always better to hire professionals for promotional video production. They are well versed with techniques, angles, and other know-how of excellent video creation. They are apt in creating videos that completely engage the audience. You can use these videos for your business promotion on various social media sites like YouTube, and others.


If the implication is that she destroyed Yahoo, I have written in this piece that she has saved Yahoo from the inevitable painful death. Search and online advertisement business is a monopolistic business dominated by google (https://goo.gl/MTEvFp). Yahoo never had a real chance in the market to survive on its own. Marissa did an excellent job at Yahoo to stabilize the business and shift it away from Jerry Yang's misguided investments and bets (https://goo.gl/ufmYsw). I am certain that Marissa will make a great CEO for Uber, and help Uber survive the current severe head-winds the company is facing.


To focus on your question.. pay it off then trade in. The reason is because say you just have 14k laying around and buy a car for 14k, you must pay 14k plus tax. If you are in one of the states that allows the tax break, then trading the 14k valued vehicle in for a 14k vehicle will nullify your sales tax. As per your question, if you traded the car in at 7k, you would then owe 7k plus tax. You only have 7k..so how would you pay for the tax and why would you want to? Pay off the car and you'll have 14k of tax free off any car.


The loan agent surely knows that having a combination of loans greater than the value of the property (less some margin) is illegal, but also impossible. Your first mortgage, mechanic's liens, tax liens, and so forth are a matter of public record. In most states the records can be viewed online, by anyone, for free. The title search prerequisite for getting the second mortgage looks beyond the low hanging fruit for things like aborigines claims for parcels of land that include your property. The loan agent is trying to sell you a home equity line of credit. Almost everyone gets one after building up some equity. There's often no closing cost and it's not necessary to ever use it. Keep it for emergencies.


Once you've made a good-faith effort to straighten the situation out you've done all you can do. Cash the check.


"Spain is one of the most socialists states in Europe. I know because I live here. You are totally correct that the former owners broke it, what you are not right about is that they were private. Caja Madrid was a special partnership between the local governments and some private parties. All the ""cajas"" in Spain were set up that way and all had government representatives in their boards. EDIT: I just checked and turns out Caja Madrid, which represents 50% of Bankia, was 100% owned by the Madrid local government. The rest of the 50% of Bankia was formed with other ""cajas"" which were partly or completely owned by their local governments as well. Also is worth noting that the spanish private banks are also in trouble and have survived only because of the liquidity provided by the ECB, but they are not even close to the level of bankruption that the ""cajas"" have achieved."


With set targets and work analysis of each team member, there's no room for ambiguity or assumptions. Work needs to be regularly submitted for review and excuses won't work if you have already placed a clear picture in team meetings. Ignoring problems (both personal and professional) will only intensify them so find the root cause and move ahead. As a team leader remain motivated and set an inspiring example for the rest of the team to follow suit. Find commercial office space for rent, meeting room space for rent , conference rooms on rent. Many options available for training spaces, co-working spaces and shared office spaces in Mumbai, Hyderabad, Pune, Bengaluru, Gurgaon, Noida & Chennai


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"An annuity makes sense in a few different scenarios: In general, they are not the best deal around (and are often ripoffs), and will almost certainly be a bad deal if pitched by a tax preparer, insurance salesman, etc. Keep in mind that any ""guarantees"" offered are guarantees made by an insurance company. The only backing up of that claim in the event of a company failing is protection from your state's Guaranty Association. (ie. not the Feds)"


I guess most banks will not have an issue with that arrangement. The bank take collateral in the house for the amount your girlfriend needs to borrow, from her part of the house. Most likely the bank will accept the house' value as what you pay for it, assuming you pay fair market value - otherwise they will contact a valuation company to put a value of your new house. If they feel that her share of the house (50%) can cover her loan, they will definitely agree with the deal. You being a foreigner will, probably, have little to say in the matter, as long as you do not need to borrow money for your share of the house.


This fortune article is referenced in his either 2003 or 2004 annual report in which he does say that the market will not likely return much in the future and generally talks numbers. I am also a value investor, such that I can be in this environment and believe there is a bit of value in knowing where you think the market is headed but the real value is in underwriting each deal. In long, I agree with you


But there's a difference freelancing for your craft and managing people to so similar tasks. Sometimes you just want the flexibility of working for yourself and you enjoy mastering the craft. Not everyone's end game is more money. If marketing and sales are not your strengths, yet you still have a steady stream of future clients, or can pick some up when you need to...why over complicate things? When I first started out many moons ago, there was a contract programmer working at one of my first jobs. He worked 6-9 months a year, and then traveled and relaxed the rest. The summer I met him he was going to complete visiting every National Park in the US; sounds like a nice goal to me :)


"This is the best tl;dr I could make, [original](https://aeon.co/essays/how-did-usury-stop-being-a-sin-and-become-respectable-finance) reduced by 96%. (I'm a bot) ***** > So just when and how did most bankers stop seeing their work in moral terms? > In his Divine Comedy of the 14th century, the Italian poet Dante Alighieri put the usurers in the seventh circle of Hell; in the case of Reginaldo Scrovegni, one Paduan banker singled out by Dante, his son ended up commissioning a chapel painted with frescoes by Giotto to expiate the family&#039;s sin. > So what would the Scholastics make of modern finance? Would they admire how efficiently a family&#039;s savings can find productive uses? Or would they decry how developing countries pay more to borrow than rich ones? Would they marvel at our banks&#039; international reach? Or would they condemn how poor people pay for banking services such as checking accounts that rich people get for free? ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6mhfiw/how_did_usury_stop_being_a_sin_and_become/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~164022 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*: **bank**^#1 **interest**^#2 **money**^#3 **usury**^#4 **people**^#5"


What makes you think Samsung is going to topple Apple? The way things are going I'd say Xiaomi is more likely (still wouldn't bet on it). Samsung's market share looks nice but their product is a commodity, Apple's isn't.


My cousins bought a gas station, their lives have been shitty ever since. However they dont have a convenience store which is where all the money is at apparently. The father bought it for 600k, land and all. Supposively he thought it was worth over a mil due to the land valuation. The business operations standpoint is that they make minimum wage.


Does anybody here have experience with company songs? I just can't relate to this article. I have no particular loyalty to my employer - but nor do I bear them ill will. They compensate me fairly for doing work that I mostly enjoy. I can't imagine being asked to sing a company song. When I work extra hours, I do it for the love my craft, not for the love of my company. Also, as a salaried employee, it is my job to complete certain tasks. I understand that this may occasionally entail night or weekend work. However, if this happens too frequently, it is my responsibility to escalate to my management so that my tasks can be prioritized. Consistent and unending night and weekend work is just a recipe for burning people out and reducing overall long-term productivity.


Those are some of the least useful regulations. Kills legitimate market making function in less liquid transactions. The whole of the regulatory framework should have been leverage, capital and liquidity testing for too big to fail banks. The rest of the rules are overkill and compliance jobs bills. Unless your a compliance professional working in these fields you won't even notice.


Swimming clubs exist. Treat it as a start up business and it's easier to figure out. Once you know about what people are willing to pay to join you know about how much you can spend. Our family business invites tenants to use a private pool located at one of our properties. We maintain the facility and have appropriate signs posted and a balloon insurance policy specifically for the pool. In 1975 the pool cost 25,000 to install and we spend about $5000-$6000 to operate and heat it each season. The downside is that there is likely a lot less support for the idea than you think. You're going to have to limit access to it with a membership and that's going to be a pain to figure out because it will almost certainly require an employee or a very expensive electronic access control. You can't really open it up to the entire community without some sort of contract or no one has an incentive to pay. Every time a home sells in the community you either lose a customer or gain a headache if you don't have some sort of deed restriction or membership fee.


Having some trouble in accessing the internet from certain areas of your home such as pool side area? To fix this issue, buy a Linksys extender from the market and the problem is resolved. Linksys Extender setup is easy if you setup through installation CD.


I suppose if it's been raining, I'd swap my tires for some nice CX tires, but really.. my road tires can handle a bit of mud. I mostly don't go near them in the rain (only a couple of months of the year around here) because they're on top of big hills and I don't trust my skills descending the roads to/from them in the rain/on wet pavement.


"Assuming you are paying into and eligible to collect regular Employment Insurance benefits for the job in question, I don't see how owning a side business would, by itself, affect your ability to participate in the workshare program. Many people own dormant businesses ($0 revenue / $0 income), or businesses with insignificant net income (e.g. a small table at the flea market, or a fledgling web-site with up-front costs and no ad revenue, yet ;-) I think what matters is if your side business generated income substantial enough to put you over a certain threshold. Then you may be required to repay a portion of the EI benefits received through the workshare program. On this issue, I found the following article informative: How to make work-sharing work for you, from the Globe & Mail's Report on Business site. Here's a relevant quote: ""[...] If you work elsewhere during the agreement, and earn more than an amount equal to 40% of your weekly benefit rate, that amount shall be deducted from your work sharing benefits payable that week. [...]"" The definitive source for information on the workshare program is the Service Canada web site. In particular, see the Work-Sharing Applicant Guide, which discusses eligibility criteria. Section IV confirms the Globe article's statement above: ""[...] Earnings received in any week by a Work-Sharing participant, from sources other than Work-Sharing employment, that are in excess of an amount equal to 40% or $75 (whichever is greater) of the participant's weekly benefit rate, shall be deducted from the Work-Sharing benefits payable in that week. [...]"" Finally, here's one more interesting article that discusses the workshare program: Canada: Employment Law @ Gowlings - March 30, 2009."


What exactly does the balance sheet of a software company tell you? The majority of meaningful assets are inside your employees' heads. You can't capitalize R&D and depreciate it, it's a straight flow through to the income statement. And you can't put human capital on a balance sheet. Software firms generally carry little to no debt and their cap structure is almost all equity. What are you going to put up for collateral when your product is bits and bytes?


shitlawjobs.com gives a sobering look into current entry-level salaries in law positions. I recently got shat on on here for saying $12/hr is too much to pay Subway employees, but some of these legal positions don't pay any better.


If it's anything IG that's likely an annualized figure. I previously sold CP over short term windows at 1% annualized. Else, it would generate a high long term gain, but you need to weigh a variety of factors versus gains, particularly if you're investing any meaningful sum of money. I'm not a bond trader. Unless it's some kind of payday loan...


From Indian context, there are a number of factors that are influencing the economic condition and the exchange rate, interest rate etc. are reflection of the situation. I shall try and answer the question through the above Indian example. India is running a budget deficit of 4 odd % for last 6-7 years, which means that gov.in is spending more than their revenue collection, this money is not in the system, so the govt. has to print the money, either the direct 4% or the interest it has to pay on the money it borrows to cover the 4% (don't confuse this with US printing post 2008). After printing, the supply of INR is more compared to USD in the market (INR is current A/C convertible), value of INR w.r.t. USD falls (in simplistic terms). There is another impact of this printing, it increases the money supply in domestic market leading to inflation and overall price rise. To contain this price rise, Reserve Bank of India (RBI) increases the interest rates and increases Compulsory Reserve Ratio (CRR), thus trying to pull/lock-up money, so that overall money supply decreases, but there is a limit to which RBI can do this as overall growth rate keeps falling as money is more expensive to borrow to invest. The above (in simplistic term) how this is working. However, there are many factors in economy and the above should be treated as it is intended to, a simplistic view only.


"This is the best tl;dr I could make, [original](https://www.nytimes.com/2017/07/13/business/economy/labor-market-wages.html) reduced by 78%. (I'm a bot) ***** > We also do a lot of insurance restoration work like hail damage claims, and in those cases the insurance provider determines what they pay for labor and we work with it. > At the end of the day, if I were to say, &quot;We&#039;re a great company; we pay people double the prevailing wage, pay our insurance and taxes, buy the best materials for your house, and we give back to our community, but that means we&#039;re going to charge you double for your roof,&quot; I&#039;m sure people aren&#039;t going to say: &quot;Oh, that&#039;s so great they pay their employees $35 an hour. Let&#039;s write them a check for twice as much as their competitor because it makes us feel good!&quot; They&#039;re going to do what&#039;s best for their bank account and their budget. > That&#039;s why for us the H-2B program is a win-win: We get great workers whom we pay well above the minimum wage, and they are low-risk temporary immigrants who come here to do the job and go home to their families at the end of the season. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6nqns3/if_workers_are_scarce_is_it_the_work_or_the_wages/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~168421 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*: **pay**^#1 **wage**^#2 **work**^#3 **want**^#4 **people**^#5"


In all honesty, if they truly need the funding, they didn’t have a choice unless they could get one of their strategics to pony up more money. It’s either raise capital from PE or IPO at that point. They’re not going to get a third strategic in the door, especially at that valuation.


This often occurs because of misrepresentation of the corporation income. Most of the income in the US is payed at or a little below the 35% rate... But when the figure is calculated non-US income is counted alongside US income. For some reason, in the US it makes sense for corporations to pay income taxes in the countries they actually made the income in AND the US. Mind you... Only USA and Eritrea have this sort of backwards thinking. So yeah... If they make $100 worldwide income, out of which $50 is US income, and the company reports $15 in US taxes, they get represented as paying 15% effective tax rate when in reality they payed 30% on US taxes for their US income.


And you have yet to explain how it would matter how they use the benefits they are entitled to. If they didn't spend any of the money they were given it would stay on their card. If they bought food and didn't eat it, it would sit on their shelves. What if they bought food and let someone who was hungry eat it at their house? Are these people abusing the system as well? What you don't seem to understand is ITS THEIR ENTITLEMENT. They can do with it as they please, it would be smart to use it to eat food but guess what some people have drug problems and or likely a mental issue. Apparently in your worldview poor people don't get to have freedom? These people would get it either way if they spent it on food or drugs. Not to mention we are talking about a very small percentage of people and an even smaller pittance of money. We have THOUSANDS of tanks we paid hundreds of millions of dollars for each just sitting in the fucking desert that replaced the already working tanks we already had that we do not need. Yet here you are concerned about some person at the lowest rank of society trading 15 dollars on a snap card for cigarettes.


"Your retirement plan shouldn't necessarily be dictated by your perceived employment risks. If you're feeling insecure about your short-term job longevity and mid-career prospects, you will likely benefit from a thoughtful and robust emergency fund plan. Your retirement plan is really designed to fund your life after work, so the usual advice to contribute as much as you can as early as you can applies either way. While a well-funded retirement portfolio will help you feel generally more secure in the long run (and worst case can be used earlier), a good emergency fund will do more to address your near-term concerns. Both retirement and emergency fund planning are fundamental to a comprehensive personal finance plan. This post on StackExchange has some basic info about your retirement options. Given your spare income, you should be able to fully fund an IRA and your 401K every year with some left over. Check the fees in your 401K to determine if you really want to fully fund the 401K past employer matching. There are several good answers and info about that here. Low-cost mutual funds are a good choice for starting your IRA. There is a lot of different advice about emergency funds (check here) ranging from x months salary in savings to detailed planning for each of your expenses. Regardless of which method you chose, it is important to think about your personal risk tolerance and create a plan that addresses your personal needs. It's difficult to live life and perform well at work if you're always worried about your situation. A good emergency plan should go a long way toward calming those fears. Your concern about reaching mid-life and becoming obsolete or unable to keep up in your career may be premature. Of course your mind, body, and your abilities will change over the years, but it is very difficult to predict where you will be, what you will be doing, and whether your experience will offset any potential decrease in your ability to keep up. It's good to think ahead and consider the ""what-ifs"", but keep in mind that those scenarios are not preordained. There isn't anything special about being 40 that will force you into a different line of work if you don't want to switch."


Well, don't turn the exception into the rule. Not everyone can make it into college, or make college work, or afford it. Not everyone can work 45 hours a week while going to school full time. For some people thats too much. Maybe they have kids. Maybe they have sick family members they care for, maybe they don't live on a bus route.


"Google ""forex broker"" and find one of the thousands that allows you to trade on Gold futures. Then use one of them to short Gold... just watch your leverage. I would certainly wait before you're shorting gold. Why tie up capital in a bubble that you think will burst in the next few years. Wait for the price to increase and monitor for actual signs of the bubble bursting. Right now with the Euro possibly collapsing shorting gold probably isn't your best bet."


Except this problem wasn't caused by Fanny or Fredie. That's just a conservative spin on the issue. It was caused by CDOs and CDSs, which would have happened no matter what. Fanny and Freddie exacerbated the issue, perhaps, but didn't cause the entirety of the problem.


In the event of an audit, you AND your friends need to have already reported the cash the same way in previous tax filings. Even differences between legitimate sources can result in civil and criminal sanctions from the IRS, let alone questionable, dubious and illegal sources.


Defined Benefit Plans: Defined benefit plans are disappearing because of their high cost to the companies that provide them. When an employee retires, the company must pay his pension for the rest of his life, even longer if the pension includes a survivor option. Thus the company's financial burden grows as more employees retire. By law, they must provide a fund that has sufficient resources to pay all present and future pensions. Low interest rates, such as we have now, place a greater burden on the amount that must be in these funds. For these reasons, most companies, including large ones like IBM and Lockheed Martin, have discontinued their pension plans and provide only defined contribution plans. Defined Contribution Plans: These require the company to only make contributions while the employee is working. Once the employee retires, the company's responsibility ends. Usually these plans employ a 401K type savings plan for which the employee contributes and the companies matches some or all of that contribution. Comparison: Although a fully company paid pension plan is the best, it is now almost unavailable. The defined contribution plan, if it includes company matching, can be a viable alternative if the investments are chosen wisely and perform as expected. Of course, this is not guaranteed but is probably the best option that most working people have at this time.


"Japan doesn't ""need money"", it is a currency supplier in a floating exchange rate system. It can make as much as it needs with the press of a key, and it has been. It's also been constantly defying the expectations of inflation reactionaries, despite its huge deficit."


You are being extremely aggressive and I don't understand why, I've been pretty level headed. I agreed with the central point that the rate is too high, but I also think all loopholes and tax breaks should be removed. I also agree that chasing profits made in other countries is silly and is obviously a major contributor in the issue of inversion. I just simply disagree that our largest companies are paying the highest taxes in the world, when the data I've seen clearly shows that other countries with lower rates are still collecting more. If our rate is the highest, but we still collect less than the average, tell me how these large corporations are being effectively taxed at the highest rate in the developed world? What am I missing?


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It depends on the broker. The one I use (Fidelity) will allow me to buy then sell or sell then buy within 3 days even though the cash isn't settled from the first transaction. But they won't let me buy then sell then buy again with unsettled cash. Of course not waiting for cash to settle makes you vulnerable to a good faith violation.


Just a few observations within the Black-Scholes framework: Next, you can now use the Black-Scholes framework (stock price is a Geometric Brownian Motion, no transaction costs, single interest rate, etc. etc.) and numerical methods (such as a PDE solver) to price American style options numerically, but not with a simple closed form formula (though there are closed-form approximations).


I personally am from Canada and use my local bank to trade stocks. Contact your local bank and they will tell you how to do it, since rules depend on country of residency. If you are not close to a bank, e-mail the major bank in the country of your residence.


Thank you for the quick reply. My main firm pretty much sets us up as individual practices with limited support as far as customer service. The clients are ours to take care of. There is not a formal small account policy I am aware of, though I will confirm this next week. I am considering delegating a current assistant, who is training to be a rep, to take care of these clients under my close supervision. It might be good experience for him and a way I can still profit. I wouldn't want to lose these clients because a) they might mature or bring referrals, and b) there are individuals in need of at least some insurance to protect their families.


you are on the right track. 7/66 will be legally necessary (most likely), and CFP is pretty much a professional necessity at this point. insurance license isn't a bad idea, but i would need to know the full scope of services offered to give you more info. as far as resources go, watch bloomberg in the morning and a bit before you hit the hay for futures and international movement. their website is pretty solid to check on throughout the day, too. beyond that, it's kind of all preference as to what sources you use. i'd recommend staying away from very obviously biased outlets. but there will be professional sources that are availed to you once you're up and running - your dad might have some subscriptions he can give to you. i check on the Atlantic, fivethirtyeight, and the economist regularly for context, as well. on a personal note, i would encourage you to really weigh your options before committing to taking on the practice. i am a professional (hold 7/63/66/9/10 and CFP) and can tell you that, in my opinion, it is very exhausting and largely unrewarding working with clients. i won't go into a pessimistic diatribe here, as i don't want to discourage you from doing something you want. but be really sure - unless you're an analyst, this sort of work experience does not lend itself to changing careers or type of work you do.


"I blame that ""no concealed carry"" sign on the outside of the building. We live in a crazy world, and I won't patronize a business that suppresses my right to self defense. I'm probably a small percentage of why BWW is failing, but it's notable that there are others like me who also refuse to voluntarily visit a GFZ. GFZ's don't work. So I don't go to them. I'm not missing anything I can't get elsewhere."


stocks represent ownership in a company. their price can go up or down depending on how much profit the company makes (or is expected to make). stocks owners are sometimes paid money by the company if the company has extra cash. these payments are called dividends. bonds represent a debt that a company owes. when you buy a bond, then the company owes that debt to you. typically, the company will pay a small amount of money on a regular basis to the bond owner, then a large lump some at some point in the future. assuming the company does not file bankrupcy, and you keep the bond until it becomes worthless, then you know exactly how much money you will get from buying a bond. because bonds have a fixed payout (assuming no bankrupcy), they tend to have lower average returns. on the other hand, while stocks have a higher average return, some stocks never return any money. in the usa, stocks and bonds can be purchased through a brokerage account. examples are etrade, tradeking, or robinhood.com. before purchasing stocks or bonds, you should probably learn a great deal more about other investment concepts such as: diversification, volatility, interest rates, inflation risk, capital gains taxes, (in the usa: ira's, 401k's, the mortgage interest deduction). at the very least, you will need to decide if you want to buy stocks inside an ira or in a regular brokerage account. you will also probably want to buy a low-expense ration etf (e.g. an index fund etf) unless you feel confident in some other choice.


"Houses tend to appreciate more than condos. Houses are also more expensive. So it's a choice. You mention your girlfriend will be buying it with you. Take the time now to decide what will happen if you split up and put it in writing. Are you splitting the downpayment and mortgage 50/50? If not things can get complicated. Also consider home improvement costs, etc. If you think she is ""the one"" and you'll end up starting a family together, look at the location, nearby schools, etc. Sure, it may sound too early to be thinking about these things, but if you get a head start on finding a nice house you could save a lot of money and build a lot of equity with some smart decisions today."


Just like they are cracking down gold and other stores of value? I'm unsure how you think that Bitcoin falls outside of regulations that apply to all wealth and stores of value. It's not like you are allowed to buy drugs or not pay taxes as long as you don't use US dollars. The fact that Bitcoin and all other crypto currency are not controlled by any single entity, government, or business that can control the rules at thier will is a pretty big deal. I would think the obvious freedom from a single corruptable entity seems pretty useful to me. Obviously the volitility and high transaction fees makes it a pretty questionable store of value - for now - considering the newness of Bitcoin - it's not really that surprising. At least those fees are based on the market and not just the whim of Visa.


You haven't mentioned the country. As a general premise, you own them money and the fact that the account was closed has no bearing on the fact that you own them money. My suggestion would be pay them off.


If I were donating money to a charity, i.e. an organization set up to help others, I would simply send them the money and ask that my name not be used in publicity. That would mean that the person(s) actually benefiting from my donation didn't know who I was. The charity would know, but they don't themselves benefit.


If the child can take over the life insurance when they wish to get a mortgage or have their own children, there may be a case for buying insurance for the child in the event that your child's health is not good enough for them to get cover at that time. However I don’t think this type of insurance is worth having.


"For the same reason that people bet on different teams. Some think the Tigers will win, others thing the Yankees will win. They wager $5 on it. One of them wins, the other loses. In a short, one person bets that the stock goes down, the other bets that the stock goes up (or hold). You're basically saying ""I think this stock is going to hold it's value or go up. If I thought it would go down, like you do, I would sell it myself right now. Instead, I'll let you have it for a while because when I get it back I think I'll come out on top."""


"I work at a mid market investment bank and while we don't usually use required rates of return (when we do it's typically in ranges based on previous experience in the market e.g. PE firms will look at IRR of 25%+ on mezz deals etc...) I can offer some insight into how you can think about it. ""Required rate of return"" is a fairly arbitrary concept and literally is whatever you define it to be. Typically, the required rate of return is a function of risk i.e. the higher the riskiness of a project, the higher the return must be to compensate you for taking on that risk (this view is as per Markowitz's modern portfolio theory). This is easier said than done however as ""risk"" is tricky to define (The general, though somewhat outdated, rule is that risk = variability of returns). To your questions: 1. How is rate of return determined: In my field of work (fairly niche) required rate of returns aren't usually an exact science and are typically based on i) financial leverage in the business ii) operating risk (seasonality, management team strength etc...) iii) type of security (e.g. for debt deals, what is the investment secured by) 2. Am I correct in thinking a firm will just choose a rate of return that they are already receiving? No, you are not correct, UNLESS the risk profile of the investment opportunity matches your current business. E.g. if you're a shoe manufacturer earning 15% on your capital and are looking to acquire another manufacturer in the same business with the same risk profile, then you can use your current rate of return as the requirement. If for e.g. you're a shoe manufacturer contemplating opening a new fully automated plant which will cost half your current net worth but allow you to triple your production, you will need to use a different (higher) required rate of return to compensate your firm for the additional risk it's taking on. E.g. if your shiny new plant only gets you a 15% return, you might as well deploy your capital in your current business at a much lower risk and earn the same amount of money. Disclaimer: I have simplified. Significantly."


Why shouldn't I just keep my money in the savings account and earn the same amount (both accounts have the same APY in this case)? I will assume that you are transferring money from your savings account into a Traditional IRA and deducting the contribution from your income. While you may think that the money that is being transferred is yours already -- it is sitting in your savings account, for Pete's sake! -- you are deducting that amount in getting to your taxable income, and so you are effectively contributing it from current income and not paying taxes on the amount contributed. So, consider the same amount of money sitting in your savings account versus the same amount of money sitting in your Traditional IRA account. While you will earn the same amount of interest in both accounts, you will have to pay taxes each year on the interest earned in the savings account. You might choose, as most people do, to not take money out of the savings account to pay theses taxes but just pay them from ready cash/checking account/current income etc., or these taxes might just reduce the refund that you will getting from the IRS and your State income tax authority, but in either case, you have paid taxes on the interest earned in your non-IRA savings account, and of course, long ago, you also paid taxes on the original amount in the non-IRA savings account. So, if you take any money out of the non-IRA savings account, you don't pay any taxes on the amount withdrawn except possibly for the interest earned from January 1 till the date of withdrawal (which you are paying from ready cash). On the other hand, consider the Traditional IRA. The original deposit was not taxed in the sense that you got a deduction (reduced tax or increased refund) when you made the contribution. The annual interest earned was not taxed each year either. So when you make a qualified withdrawal (after age 59.5 or by meeting one of the other exceptions allowing withdrawal before age 59.5), you are taking money on which you have not paid any taxes at all, and the IRS wants its cut. The money withdrawn is taxable income to you. Furthermore, the money withdrawn is not eligible for any kind of favorable treatment such as having it count as qualified dividends or as long-term capital gains even if your IRA was invested in stocks and the money in the account is all qualified dividends or long-term capital gains. If you make an unqualified withdrawal, you owe a penalty (technically named an excise tax) in addition to income tax on the amount withdrawn. If you are investing in a Roth IRA, you will not be getting a deduction when you make the contribution, and qualified withdrawals are completely tax-free, and so the answer is completely different from the above.


Bad workers are non-union as well, there will always be lazy people. Unions are most needed for minimum wage workers, they traditionally fought for the workers in the worst conditions. Unions only make up about 7% of the work force today and are at a fairly weak position compared with the past. Their highest concentration was actually during one of the United States' large periods of economic growth back in the 1950s.


> Also, the link at the top isn't the same as the one at the bottom. You're right. The link at the bottom points to the actual article seen at Medium, first posted at Reddit, which does point to the original original at reddit. Both those posts were written by the same redditor u/tapesit who was just seen three days ago. Paging u/TapesIt -- is that you on Medium, or has some scoundrel absconded with your posts? (If so, we should probably ask the mods to remove this post and/or ban the Medium user @SoldOutSupplier)


There are a LOT of variables at play here, so with the info you've provided we can't give you an exact answer. Generally speaking, employee options at a startup are valued by a 409a valuation (http://en.wikipedia.org/wiki/Internal_Revenue_Code_section_409A) once a year or more often. But it's entirely possible that the company split, or took a round of funding that reduced their valuation, or any other number of things. We'd need a good bit more information (which you may or may not have) to really answer the question.


It could be a delay because of the Automated Clearinghouse (ACH) process. At least that's the explanation on this thread at the PayPal forums, and on Prosper.com.


"I understand economics quite well. This whole idea that the market will correct itself is bullshit. The government didn't come up with rules like you can't discriminate against people for the fun of it, but under some free market theory you would expect that one to solve itself. Well, it didn't. Have you ever answered the phones for cab company on New Year's Eve? No? Well I have, five years in a row. I can take 80 phone calls in an hour. I've told people it'll be four hours for a cab because that's how long it would take and they say ""Send it."" It's shitty because I can't refuse the call legally and there's no way in hell they're going to be there when the cab finally gets dispatched. Driver's on the street constantly contend with waiting for someone to come out and a bidding war starting to hire them. I've heard $80 offered as a tip to take a group before, although $20 seems to be more the standard bribe. There's no economic behavior to serve shitty neighborhoods. The riders don't tip and the driver is at an increased risk of being robbed and violently attacked. Why do cab companies serve them? Because the city legally requires it and in reality there are at least some decent people whose only option is to take a cab. So, congratulations, you took the same microeconomics class that I did and all the theory dictates that this should all work itself out. You get to throw around sayings like ""ceteris parabus,"" but things are never ""all things being equal"". The difference is I also spent a number of years going to the school of hard knocks and learned from reality how things actually work."


This really doesn't mean anything. Netflix has made some incredibly risky moves that a larger acquisition would have never allowed them to do. Netflix would not be the same service we know today if it was acquired by blockbuster.


S&P/TSX 60 VIX (CAD) is an equation and as the implied volatility of two close to the money TSX 60 options change, the output changes. This is why the intra-day price fluctuates on a graph like a traded product. Although VIXC can't be traded, it can still be used as an important signal for traders. The excerpt is from slide 12, more information can be found here. https://www.m-x.ca/f_publications_en/vixc_presentation_en.pdf Futures (stage 2) Options, ETFs, OTC Products (stage 3) have not been implemented.


I had a pretty good experience with Lending Tree, although they are a mortgage broker, not a lender themselves.


">I tried to like /r/Anarchism, but the mentality portrayed there is that of a statist who is pissed that they aren't the dictator, and are willing to use violence and theft to achieve their goals. Try asking /r/DebateACommunist, then. Despite the name, almost nobody there is any kind of statist. Everyone's either anarchist left or proprietarian right. But of course, this is the ultimate in neofeudal ""anarcho""-capitalist claptrap. ""Anarchists? THOSE STATISTS!"""


"First, you need to figure out what your objectives for the money are. Mostly, this boils down to how soon you are going to need the money. If you are, as you say, very busy and you don't need the money until retirement, I'd suggest putting your money in a single target date fund, such as the BlackRock LifePath fund. You figure out when you are going to retire, and put your money in that fund. The fund will then pick a mix of stocks, bonds, and other investments, adjusting the risk for your time horizon. Maybe your objectives are different, and you want to become an trader. You value being able to say at a BBQ, ""oh, I bought AAPL at $20"", or ""I think small caps are over valued"". I'd suggest you take your $50,000, and structure it so you invest $5,000 a year over 10 years. Nothing teaches you about investing like making or losing a bit of money in the market. If you put it all in at once, you risk losing it all - well before you've learned many valuable lessons which only the market can teach you. I'd suggest you study the Efficient-market hypothesis before studying specific markets or strategies."


"Wait a minute, this is a huge clickbait statistic. From the article: > Total overdraft fees totaled $33.3 billion in 2016, just shy of the $33.8 billion financial institutions collected in credit-card interchange fees They're comparing the _total_ sum of overdraft fees to the _total sum_ of interchange fees. While interchange fees have gone up over time, all the statistic in the story tells us is more people are using credit cards for transactions than ""before"". Merchants also have a huge choice in what sort of fees they pay, the processor they use (it's a surprisingly large market), and the rates vary by processor, type of merchant, risk to the merchant, type of business, type of card, and so on. As a note, the ""type of card"" is not just ""visa"" or ""amex"", but different cards from different issuers can have different interchange fees. That airline rewards card has a higher fee than that ""rebuild your credit"" secured (read: backed by a deposit) card. In short, this is a nonsense article that provides no useful comparison."


Mt Gox was an exchange that went belly up because of financial and strategic mismanagement. It was also a valuable lesson for many people: if you don't control your private key, you don't control your bitcoin. Scams running bitcoin (or any other cryptocurrency for that matter) are vastly underrepresented in the grand scheme of things concerning money. US Dollars, Euros, Yen, World of Warcraft Gold - it is all being used to manipulate people into spending tokens of worth for worthless tokens. This is not inherent to bitcoin, and you are misrepresenting it if you think it is. Cryptocurrencies are in their infancy still, and many of the current adopters are being scammed by so called ICO's. This is, however, a natural process, and will even out again as ICO's get a bad rep, and only those with a good business case get valued. We saw the same thing during the dot com bubble.


"Have you read the comments? ""Who cares these places have bad service anyway"", ""Well I know where I won't be eating anymore"", ""This should be a dose of reality for Obama voters"". And the list goes on. I don't mind discussing the business side of politics, but that's not what has been going on."


I think you need a lesson on Banking 101. > I mean siphoning funds assuming that you're going to be running a HFT shop or prop trading or using models to predict when something is most profitable, which is beneficial to your wallet but not really to society. I am confused, maybe your logic will clarify this concept for me. Say, I have invested in a mutual fund which has done really well and I have made returns of over 120% in 15yrs. Is this considered stealing as well?? According to you it would be. Maybe others were more patriotic and invested their savings in Treasury bonds which probably earned them say 28% in the past 12 years. How is this different from someone working as prop shop trader (You should generalize it as a trader not just quants). Sometimes they take losses other times they make profits. Most just manage to make a living. If not they find another career (Which I think a cynical man like you ought to be doing too). If you truly understand the industry structure and believe in it, you will realize it's just another profession. If you're truly disgusted by this profession, maybe ask yourself why does society tolerate over priced attorneys, over priced doctors, high end real estate, expensive designer clothing stores.. many other examples to cite here. To bring things closer to your life in perspective, the $10 t-shirt you're wearing was probably prepared by people like my cousins in India who work for wages of $110 a month. Should I call you a thief for stealing from her?


"Being long the S&P Index ETF you can expect to make money. The index itself will never ""crash"" because the individual stocks in it are simply removed when they begin performing badly. This is not to say that the S&P Index won't lose 80% of its value in an instant (or over a few trading sessions if circuit breakers are considered), but even in the 2008 correction, the S&P still traded far above book value. With this in mind, you have to realize, that despite common sentiment, the indexes are hardly representative of ""the market"". They are just a derivative, and as you might be aware, derivatives can enable financial tricks far removed from reality. Regarding index funds, if a small group of people decide that 401k's are performing badly, then they will simply rebalance the components of the indexes with companies that are doing well. The headline will be ""S&P makes ANOTHER record high today"" So although panic selling can disrupt the order book, especially during periods of illiquidity, with the current structure ""the stock market"" being based off of three composite indexes, can never crash, because there will always exist a company that is not exposed to broad market fluctuations and will be performing better by fundamentals and share price. Similarly, you collect dividends from the index ETFs. You can also sell covered calls on your holdings. The CBOE has a chart through the 2008 crisis showing your theoretical profit and loss if you sold calls 2 standard deviations out of the money, at every monthly interval. If you are going to be holding an index ETF for a long time, then you shouldn't be concerned about its share price at all, since the returns would be pretty abysmal either way, but it should suffice for hedging inflation."


Marijuana should be decriminalized. It would stop giving insurance companies loopholes to deny claims, and would let the government hire better cybersecurity experts. Digital forensics agencies have been complaining for years that they can't fill positions fast enough because so many applicants don't want to comply with their marijuana policies.