Paslanmaz Çelik Örgü Eldiven Paslanmaz Çelik Örgü Eldiven , bağımsız çelik halkalardan oluşur.Kesici sistemlerde , keskin aletlerin kullanımında kullanılan çelik örgü eldivenler üst düzey koruyucu özelliğe sahiptir. Daha çok kasap eldiveni olarak bilinen bu ürün , kullanım alanı sadece kasaplarla sınırlı değildir.Diğer kesici aletlerin olduğu bütün sektörlerde çelik örgü eldivenler iş güvenliği için olmazsa olmaz ürünlerden biridir. Avrupa Birliği uyum yasaları çerçevesinde kesici aletler kullanımında iş güvenliğin sağlanması açısından çelik örgü eldivenlerin kullanılması zorunluluk hale gelecektir. Çelik Örgü Eldivenlerin Kullanım Yerleri : Et işleme tesisleri , kasaplar ,demir çelik makina imalatı yapan işyerleri , cam üretim ve işleme tesislerinde, el işçiliğinin yoğun olduğu sanatlarda, metal işleme .vb alanlarda kullanımı mevcuttur. Çelik örgü eldivenler ters yüz olarak kullanılabilir.Hem sağ hem sol elde kullanma imkanı vardır. Naylon toka sayesinde çelik örgü eldivenler istenilen el boyutuna göre ayarlanabilir. Çelik eldivenler , genelde farlı iki tür modele sahiptir. Birinci model çelik örgü eldivenler her türlü el ölçüsünde kullanılabilir. İkinci model çelik örgü eldivenler , s m l gibi ölçülere sahiptir.Çelik eldiven boyutları tamemen kullanıcının el bilek ölçüsüne göre imal edilir.Bu ikinci modeller birinci modellere göre fiyat olarak biraz daha fazladır. Çelik örgü eldivenlerin özellikle Çin de ve Almanya'da üretimi yapılmaktadır.Alman çelik örgü eldiven firmaları kalitekonusunda oldukça iyidir.Alman çelik örgü eldiven fiyatları Çin çelik örgü fiyatlarına göre oldukça pahalıdır. Çin'de çelik örgü eldivenleri standartlara uygun olarak üreten firmalar da mevcuttur .Çin'deki çelik örgü eldiven fiyatları toptan alım ve ödeme yöntemine göre oldukça farklılaşır. 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takibi, işyeri hekimi istihdamı, işyeri diğer sağlık personeli, sabit ve mobil sağlık taramaları, poliklinik hizmetleri, birinci basamak sağlık hizmetleri, acil müdahele, meslek hastalıkları eğitimleri, koruyucu sağlık eğitimleri, sağlık raporları, temel ilkyardım eğitimi


My main criterion for choosing a broker is the fee schedule. I care about investing in index funds and paying as little as possible in fees. In the US that brings everyone to Vanguard or Fidelity, and currently Vanguard edges Fidelity out on costs for the particular funds I am invested in.


"No surprise - a new generation of managers must plump their résumés with buzzwords, and ""outsourcing"" sounds as cutting edge as ""Victrola"" or ""carburetor"" these days. Plus, it requires larger on-shore resources to explain things over and over to the offshore workers, and they're running out of folks to outsource. So, since all managers are dynamic innovators, we need a new concept and a new shovel-ready buzzword. Voila!"


Yeah, my bet is that there's some dirty laundry there. They literally just released great numbers for the quarter and it looked like they were coming out of the metaphorical well. No announcement in advance, nothing. The COO too? Seems really fishy to me.


It is known as the range or the price spread of the stock. You can read more about it here http://www.investopedia.com/terms/r/range.asp


"I recently bought a ticket to a really good soccer game on Vivid Seats, since Ticketmaster, the official vendor, was ""sold out"". In reality, scalpers had purchased huge swaths of ticket real estate and were selling thousands of tickets on resale sites. Ticket was $220. Fee was $50. I never go to big events, so didn't realize that was the model. As a sort of first-timer coming in, the whole thing seemed ridiculous, knowing I was paying an inflated price, and that the app charges $50 so a ticket appears on my phone."


Seriously? This is what my taxes go to? Telling private companies how loud their commercials should be. If their commercials are too loud do I also pay of a dude to call them up and fine them? If they don't pay do I also pay of an attorney to represent them? And if they lose in court do I pay of a jail to house them? Why not just be a big boy and turn the volume down when it's too loud. What's next, I buy a CD and it has to be a constant level? If one track is louder and it upsets me I can ask the government to regulate how loud CD's are!! **FUCKING REGULATE IT YOURSELF, WITH YOUR GOD DAMN REMOTE CONTROL!!** How fucked up is America? We are talking about something so pointless here.


>They have somewhat of an idea of what to do, they just can't seem to get it done. I've seen this first-hand, the car's driving off the cliff and you have the entire executive team at the wheel. They all see it coming, but with all the hands pulling at the wheel the car just goes straight ahead. The problem isn't that they don't know what to do, it's the questioning and second-guessing of all the decisions being made. There should be a flow of debate-decision-execution in the boardrooms but instead it's debate-decision-debate-decision... until there's no more time and the executive team bails out of the car to save their own skin.


I would join finance and economics clubs. Network with other Engineering -> IB people. Try to land a sophomore summer finance internship. When you walk into IB interviews you want to show that you've been focused on this for a while, and your not some goober that decided to apply for the hell of it.


"My experience with different brands in the US this year is $250 and $400. If this is the differential in you choosing a brand for a rental, best to call the reservation number for each contender and ask what their hold will be. I am not sure what a ""definitive"" answer would be. There is a tension between ""risk mitigation"" and ""poisoning your brand reputation"" that each company will answer differently, and answer differently over time. Even an actuarial answer has to be transformed into company policy through competing soft factors."


While stealing the identities of the deceased for claiming their social security benefits and so on is not new, this is the first I'd heard of someone stealing identities for the purpose of going after their tax refunds. I'd think it wouldn't be that worthwhile, considering the punishment likely if you get caught.


I genuinely would like to, but this is still a very contentious subject and I am concerned about blowback from my little bit segment of the community. That makes me unwilling to be a whistleblower in a formal setting. Unfortunate situation all around. But there is growing literature on the reproducibility problem, so you can find a lot of commentary and published data on the situation.


I would like to open an art studio. Not necessarily a gallery, but a place where I can do animation, digital art, branding/logos, and freelance stuff. Also, do some filming there. So an art-production studio. It's what I enjoy but I live in an area that is too rural for that kijnd of thing. But idk, it might work.


Bumping the employee portion of the SS tax back up will reduce the amount of money people have to spend, affecting the economy. Ditto for an increase in the personal income tax. Last year, the country flirted with going into default over the debt ceiling. That scared the piss out of the markets.


You are undeniably wrong. You repeat over and over about taking gen Ed classes for the first two years. That advice, relevant and specific to This thread, greatly diminishes his ability to finish a CS degree on time. Yea he might be able to explore and do classes other than finance ones since he won't be getting into it. But the purpose of this thread is to make a decision between three specific majors. One of those majors requires you to be in classes early to graduate on time. Note: http://www.cs.uic.edu/Main/Courses


I understand that, and it is important, but you have to consider their size. As I mentioned, they are the world's largest private employer now. They use their size too much to their advantage. They are a monopoly. > really. there are no other places a person with that level of training can work? If there was, we probably wouldn't be having this conversation. They take so many other businesses out, drive so much wealth to so few, that there is no other place to work for those with that skill-set. What other discount retailer is there one Walmart has come to town?


Take a look at Everbank. They offer CDs and Money Market Accounts denominated in Euros for US residents. https://www.everbank.com/personal/foreign-currencies.aspx


$15 being how much it costs to drive a car about 10 miles, and does not account for a driver's time. Hilarious shit, from the biggest payday loan scam the planet has ever seen. Because Uber is nothing but a scam where you work your ass off, to steal money from your future self, and give 25% of it to Uber! But if you think 6 cents a mile is a decent wage for a cab driver (which is what you can make, if you are lucky), then by all means, please sign up!


[Nope] (https://blogs.wsj.com/wealth/2010/07/13/worlds-rich-are-hording-10-trillion-in-cash/). It's all hoarded in various index accounts, mostly off-shore for obvious reasons. They want to protect their wealth, which is fine. But if you want to protect wealth you don't invest it all in means of production or real-state, which are both vulnerable to heavy crashes. You keep it protected interest-yielding accounts, in places like the Cayman Islands, or Switzerland.


"This is the best tl;dr I could make, [original](https://insight.kellogg.northwestern.edu/article/is-an-unpredictable-leader-good-for-national-security) reduced by 88%. (I'm a bot) ***** > From the U.S. perspective, Baliga points out, &quot;These are two different games. One is a game of escalation; the other is a game of deterrence.&quot; Recognizing this is critical, because each requires a different response. > As Baliga puts it: &quot;In national security, predictability can definitely pay."" > &quot;If you are a truly mad leader, why would anyone change their behavior as a function of what you do? If they know you might do something crazy whether they do something you like or not, they might just say &#039;the hell with it, I&#039;ll do whatever I want.&#039; The &#039;madman&#039; actually has to be clever, doing something crazy if you don&#039;t do what he wants and being accommodating if you do. In that case, well, he&#039;s no longer mad.&quot;. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6jh8w7/is_an_unpredictable_leader_good_for_national/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~152472 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*: **Baliga**^#1 **might**^#2 **game**^#3 **U.S.**^#4 **more**^#5"


"So tell me, if I am forced to hire, say, people whose religious views I fundamentally oppose (and do not wish support, however indirectly via a paycheck), why is their right to religious expression more valid than mine? The problem with all ""Equal Opportunity"" foolishness in the private sector is that it picks some people as being more equal than others ... and THAT is flatly wrong."


If you're a fascist, or some sort of astroturfer then you have to hate anyone who helps the public stand up for themselves. It's hard to see how anybody but the most arch-capitalist billionaire would be against people coming together to enforce what's legally just. I just don't get how a normal human being (potentially effected by things like you listed) could be so anti-lawyer. Doesn't add up.


>The idea of self-regulating free markets is every bit of a naive utopian idea as anything Karl Marx ever wrote. Right because the idea that a government could be not-corrupt isn't naive OR utopian. >People who wish to limit the government have the best interests of corporations at heart. Because corporations don't already own & control the government? >There will always be corruption in government, just as there will never be truly free markets. So get rid of government, and watch how much freer markets become. >Things are broken right now because the American people have lost faith in our government. Or perhaps things are broken because the concept of government is flawed and inherently broken.


When I work hard people say “You Should Do That Anyways”, not acknowledging the fact that 9/10 people slack. I think most people who work hard don’t get the credit they deserve. Usually people who are wealthy are born into it, lucky or know the right people and have the right ideas. Hard working people make it too but significantly less people make it from just “hard work”. It all depends on your work ethic and what you’re willing to do in order to achieve your goals and reach your next step. Nice post op.


The total size of the eurozone economy is $13 trillion, whereas Switzerland'd GDP is about $0.5 trillion, so the eurozone is about 26 times larger. As such, I would not expect this move to have a large effect on the eurozone economy. On the margins, this may decrease somewhat eurozone exports to Switzerland and increase imports from Switzerland, so this would be a slight negative for eurozone growth. Switzerland accounts for 5.2% of the EU's imports, and these imports will now be slightly cheaper, which puts some deflationary pressure on the EU, particularly in the Swiss-specialized industries of chemicals, medicinal products, machinery, instruments and time pieces. But overall, 5.2% is a rather small proportion. Bottom line, most common eurozone countries' people should probably not fret too much about this announcement. What it means for Switzerland and Swiss citizens, however, is a totally different (and much more interesting) question.


">That is absolutely not the point at all. It is a bridge to the next job. People should not have to sell their homes and move on, especially in this environment, simply because they went without a job for several months more than they expected. Isn't this what a savings account is for? Are you to tell me that these people don't have enough money built up in a ""rainy day"" fund? I am about 900k from making a million dollars a year however i still have enough saved up for 8 months of being laid off, so that i DON'T have to get on govt assistance right away. You can't honestly expect me to believe that someone who has this kind of wealth didn't properly plan for this."


5 shareholders with 40% of voting rights wrote a letter asking for him to resign. This was a forced resignation. I also think this is a bad sign, because Travis Kalanick is the kind of leader that the best people want to work for, and neutering the company into a corporate-controlled post-growth business isn't going to inspire many people to join.


"Pretty much every american ""borrows"". Credit cards are essential in building credit history and story. Debit cards got popular in the past few years, but most still borrow at least a little bit on credit and pay it off right away."


Fire insurance, as you have discovered, is a complete ripoff. Most people pay fire insurance all their lives with no benefit whatsoever, and those such as yourself who are lucky enough to get a payout find that it is completely insufficient to replace their loss. I once computed the actual beneficial net present financial value of my fire insurance policy and it came out to $40 per month. The cost was $800 per month. That is typical. Homeowners pay $500 to $800 per year for something that is worth $30 to $50 per year. Ironically banks would actually make more money from mortgages if they did not require mortgagees to buy insurance, but nevertheless they insist on it. It is not about logic, but about fear and irrationality. When I paid off my mortgage and gained ownership of my home the first thing I did was cancel my fire insurance. I now invest the money I would have wasted on insurance, making money instead of losing it. Being compelled to throw money down the toilet on fire insurance is one of the hidden costs of a homeowners mortgage in the United States. In your situation, the main option is to borrow the money to rebuild the house using the land as collateral, if the land is valuable enough. Of course, you still owe the money for your original mortgage on your now (non-existent) home. So, to get a home, you will have to have the income to service two mortgages. A loan officer at a reputable bank can tell you whether you have the income necessary to support two mortgages. If you were maxed out on your original mortgage, then you may not have enough income and you are screwed. In that case you will have to go back to renting and gradually paying off your old mortgage. (If it were me, I would sue the insurance company pro se as a way to get the necessary money to rebuild the home, because insurance companies roll over like a $20 hooker when they get sued. Juries hate insurance companies. But I am unusual in that I love courtrooms and suing people. Most people are terrified of courtrooms though, so it may not be an option for you.)


Its significantly higher almost everywhere else in the developed world. They also work significantly less in other countries, with higher productivity per hour. It sounds like you're in favor of $5/hr, 50h/week or something similar, which is frankly tantamount to slave labor.


Who you name as executor of your estate is to your judgment. If you feel that this friend will execute your wishes, then that's really all that matters. If your friend is your first choice, then name his wife as a back-up (in case something happens to him in the meantime). You can change your executor as long as you're fit to do so, so this isn't a forever decision if you have a falling-out.


Definitely the wrong sub to ask this in, for two reasons: a) That is going to be specific to the player base of the game and how they will react. Without understanding the value of the chests to the players it won't make much sense to respond. b) /r/economy is mostly just a place to read posts by dipshits who don't know anything about the economy or the field of economics. Any actual economic information you may want in the future is best found at /r/economics.


I'm sure part of it is trusting the employees but the bigger thing as the amount of time (and cost) it takes to manage all that cash. If they swipe a card - that's all it takes to collect the revenue, log the sale, manage the inventory, deposit the revenue, etc.


I’ve had to move 7 times in the past 3 years, a combination of military, civilian, and student permanent moves. Several of those times it was impossible to bring anything more than a backpack or some luggage so I basically had to start building my home all over. So yeah mostly big ticket stuff (sonos are a must for me lol) but some late nights I might buy 4 pairs of timbs and wake up not remembering what I did lol.


http://www.glassdoor.com/ shows salaries collected over the past 5 years (I think thats when they launched the site?) So $86k for a Bachelors degree with zero real world experience. If you've got some post-college experience, or a post-graduate degree you'll be starting in six figures.


Do not borrow to invest in real estate. The interest payments will eat up most of your profit (the property management fees might eat up the rest), and you will have significant risk with tenant issues, property value, etc. Many people have made it work - many also lose everything. Real estate can be a great investment, but you can't even afford a house of your own yet, let alone investment property. Keep saving up until you have 20% down to buy a house of your own (ideally that you can put on a 15% fixed mortgage), and pay it off as quickly as you can. Then you can start saving for your first rental property. If that process isn't fast enough for you, you have two options. Increase your income or reduce your expenses. There's no shortcut to wealth-building without taking significant risks. At most I would scale back the 401(k) to the 5% match you get, but you should scale that back up once you have enough for a down payment.


There is another option. Stay where you are.


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If there's no prepayment penalty, and if the extra is applied to principal rather than just toward later payments, then paying extra saves you money. Paying more often, by itself, doesn't. Paying early within a single month (ie, paying off the loan at the same average rate) doesn't save enough you be worth considering


Ofc it's for cost. Either better cost but lower talent or better cost and same talent. That's my point for Ricardian theory. At 4 percent, its hard to say many are out of jobs. Perhaps they are holding out for higher salary than what market thinks they deserve. Regardless, there is nothing wrong with companies looking for lower cost. That's capitalism and that's what allows you to have better breakfast than kings did pre industrial.


"When I was in high school, my mom got me a joint credit account with both of our names on it for exactly this reason. Well, that, and to have in case I found myself in some sort emergency, but it was mostly to build credit history. That account is still on my credit report (it's my oldest by a few years), and looking at the age of it, I was 17 at the time we opened it (and I think my younger sister got one around the same time). In my case, I now have an ""excellent"" credit score and my weakest area is the age of my accounts, so having that old account definitely helps me. I don't think I've really taken advantage of it, and I'm not sure if I'd really be worse off if my mom hadn't done that, but it certainly hasn't hurt. And I plan on buying a house in the next year or so, so having anything to bump up the credit score seems like a good thing."


Chances of success are very good, actually. They are not a religious organization, they're a business. You simply can't do this. Note that the EEOC is representing the guy directly. That doesn't happen unless after an investigation of a complaint, the EEOC decides there's a clear problem. That happens RARELY. The EEOC will only pursue their best cases.


It absolutely is. I too was offered a job with a major tech company in the area, and the 6 figure salary after cost of living was equivalent to ~60k elsewhere. The cost of things like travel and house hold items will remain the same, but housing makes up the vast majority of expenses most people have to pay every month. When housing in the Bay Area is 3x higher than everywhere else, the the overall cost of living is around 2x as high. There is a reason it's not uncommon for engineers all making 6 figures living 5 to a house. That doesn't really happen elsewhere.


"The brain is a muscle and cannot function at optimal performance for 540 minutes straight. What's been shown is a best we can do it for 90 minute stretches although [some](https://www.theatlantic.com/business/archive/2014/09/science-tells-you-how-many-minutes-should-you-take-a-break-for-work-17/380369/) show closer to an hour, followed by a ~20 minute break. So at best your 9 hours of ""work"" is optimized at 7 hours of actual work. Edit: No, the brain is not literally a muscle."


There's a grey area where investing and speculating cross. For some, the stock market, as in 10% long term return with about 14% standard deviation, is too risky. For others, not enough action. Say you have chosen 10 penny stocks, done your diligence, to the extent possible, and from a few dozen this is the 10 you like. I'd rather put $100 into each of 10 than to put all my eggs in one basket. You'll find that 3 might go up nicely, 3 will flounder around, and 4 will go under. The gambler mentality is if one takes off, you have a profit. After the crash of '08, buying both GM and Ford at crazy prices actually worked, GM stockholders getting nothing, but Ford surviving and now 7X what I bought it for. Remember, when you go to vegas, you don't drop all your chips on Red, you play blackjack/craps as long as you can, and get all the free drinks you can.


Technical expertise does not translate to domain expertise.. I'm definitely not going to employ someone with specific skills in Excel, R, whatever; if they have no idea about the underlying algorithms and how to implement them in other languages. I'll employ the dude who understands the algorithms (and can correctly explain with pseudo code or verbally) over someone who is regurgitating a lecture and can only provide textbook answers.


That is mostly true, in most situations when there are more buy orders than sell orders (higher buy volume orders than sell volume orders), the price will generally move upwards and vice versa, when there are more sell orders than buy orders (higher sell volume orders than buy volume orders), the price will generally move downwards. Note that this does not always happen, but usually it does. You are also correct that for a trade to take place a buyer has to be matched with a seller (or the buy volume matched with the sell volume). But not all orders get executed as trades. Say there are 50 buy orders in the order book with a total volume of 100,000 shares and the highest buy order is currently at $10.00. On the other side there are only 10 sell orders in the order book with total volume of 10,000 shares and the lowest sell order is currently $10.05. At the moment there won't be a trade unless a new buyer or seller enters the market to match the opposing side, or an existing order gets amended upper or lower to match the opposing side. With more demand than supply in the order books what will be the most likely direction that this stock moves in? Most likely the price will move upwards. If a new buyer sees the price moving higher and then looks at the market depth, they would most likely place an order closer to the lowest sell order than the current highest buy order, say $10.01, to be first in line in case a market sell order is placed on the market. As new buy orders enter the market it drives the price higher and higher until the buy orders dry up.


5% cashback? Wow. No, this would not generally affect your credit rating. You aren't altering anything that is generally tracked by the credit rating agencies. You put a purchase on your credit card which temporarily increases your utilisation, but then immediately pay it off, leaving your utilisation practically unchanged.


I'm not that concerned. Does it suck that we live in a world where companies need to work on fraud detection? Sure. But like it or not, that's the world we live in, and regulations aren't going to fix it since it's essentially impossible to enforce. These companies are technology and logistics companies, so they need to work on fraud detection.


"I took a course in forex trading for 3 months. I also studied financial markets in the Uni. I have been saving in order to start investing but I face the same question. I have gathered some advantages and disadventages that I would like to know your opinion. Forex market is more liquid, its more easy to identify what makes the currency change and to ""predict"" it. For small investors its an intraday trading. The risk is huge but the return can be also huge. Stocks are for long term investements. Its difficult to have a bigger return unless you know something that others dont. Its more difficult to predict price change since its easier to anyone influence it. The risk is less."


Ok, so disregarding passivity, could you help me through a simplified example? Say I only had two assets, SPY and TLT, with a respective weight of 35 and 65% and I want want to leverage this to 4x. Additionally, say daily return covar is: * B/B .004% * B/S -.004% * S/S .02% Now, if I read correctly, I should buy ATM calls xxx days in the future. Which may look like: Ticker, S, K, Option Price, Delta, Lambda * TLT $126.04 $126.00 $4.35 0.50 14.5 * SPY $134.91 $134.00 $6.26 0.55 11.8 ^ This example is pretty close but some assets are far off. I feel like I'm on the wrong track so I'll stop here. I just want to lever up my risk-parity. Margin rates are too high and I'm docked by Reg-T.


if you know when and by how much something will fluctuate, you can always make money. Buy it when it's cheaper and sell it when it's more expensive. If you just know that it fluctuated a lot recently, then you don't know what it will do next. Most securities that go to zero or go much higher bounce all over the place for a while first. But you don't know when they'll move decisively lower or higher. So how could you figure out if you'll make money - you can't know. DCA will on average make you better off, unless the extra commissions are too high relative to your purchase sizes. But it will in retrospect make you worse off in many particular cases. This is true of many investment disciplines, such as rebalancing. They are all based on averages. If the volatility is random then on average you can buy more shares when the price is lower using DCA. But when the lowest price turns out to have been on a certain day, you'd have been better off with a single lump sum put in on that day. No way to know in advance. Degree of volatility shouldn't matter; any fluctuation is enough for DCA or rebalancing to get you ahead, though it's true they get you ahead farther if the fluctuations are larger, since there's then more difference between DCA and a lump purchase. I think the real reason to do DCA and rebalancing is risk control. They reduce the risk of putting a whole lump sum in on exactly the wrong day. And they can help keep a portfolio growing even if the market is stagnant.


Unless stated otherwise, these terms apply to all bonds. The par value or face value of a bond refers to the value of the bond when it's redeemed at maturity. A bond with a par value of $10,000 simply means that if you purchase the bond and hold it until the maturity date specified in the contract, you receive $10,000. The purchase price, however, is exactly that: it's what you paid for the bond. Bonds may sell below, at, or above par. Continuing the example from above, if you paid $9,800 for a bought a bond with a $10,000 par value, you bought the bond below par. A bond selling below par is said to be selling at a discount. For bonds selling above bar, they're selling at a premium. If the purchase price and the par value are the same, the bond is selling at par. These terms apply to callable bonds only, which are bond contracts that allow the issuer of the bond (in the case of municipal bonds, the institution or agency who created the contract) to buy back from bond holders at a given date (the call date) and at a given price (the call price) before the bond reaches maturity and pays the holder the full par value. Yes, the coupon rate is essentially the interest paid. It's usually represented as a percent of the par value, so if the $10,000 in the example above had a 5% coupon rate, this means that it paid out 0.05 * 10,000 = $500 each year. Usually, this payment is made as two semi-annual payments of $250. Some bonds are zero-coupon bonds, which means exactly what you would think; they don't make any coupon payments. U.S. Treasury Bills are one example of a zero-coupon bond. All of these factors are linked, because the coupon rate, callable provisions, and par value, along with the overall economic environment, can affect the purchase price of a bond.


I don't think you can compare savings accounts and peer-to-peer lending. The former is a liquid way of stashing some money away (IOW you can get at it pretty much any time you want) whereas the latter is extremely illiquid (you only get your money back if and when the loan has been repaid). Also, as mentioned by the other posters, there is a risk attached to p2p lending, even if the borrowers are vetted by the p2p lending platform. You're essentially taking the same risks that a bank would take when writing a couple of personal loans, and that's quite far removed from a safe haven for your cash. If you have enough money to invest (not save, invest) then it might be worth putting a small amount into p2p lending, but it's anything but an alternative to a savings account.


"There are entire books devoted to this topic... :) I'd suggest focusing on a % of income that you can set aside for each child and start doing that instead of looking at a specific dollar target. I would look at a 529 plan to get the state tax benefit for growth. Also, be careful to counter the ""advice"" given by admissions folks, who encourage high school kids to ""choose the college that will make you happy"" and expose them to as many pictures of lovely, leafy private campuses as possible. The lawns at the private school are nice, but state colleges offer a great education at a relative bargain. Try to teach your kids about money so they understand the downsides of the loans that schools throw at you. I went to a state school, had very supportive parents and worked throughout. I came out with $750 of debt (on a 0% credit card for a laptop replacement). I have a friend who went to a similar, private school who came from a similar background and who is now in a similar place career-wise. Except he has a $500/mo monthly tribute to Sallie Mae. My parents started working on me when I was about 12, and it worked!"


Hedging - You have an investment and are worried that the price might drop in the near future. You don't want to sell as this will realise a capital gain for which you may have to pay capital gains tax. So instead you make an investment in another instrument (sometimes called insurance) to offset falls in your investment. An example may be that you own shares in XYZ. You feel the price has risen sharply over the last month and is due for a steep fall. So you buy some put option over XYZ. You pay a small premium and if the price of XYZ falls you will lose money on the shares but will make money on the put option, thus limiting your losses. If the price continues to go up you will only lose the premium you paid for the option (very similar to an insurance policy). Diversification - This is when you may have say $100,000 to invest and spread your investments over a portfolio of shares, some units in a property fund and some bonds. So you are spreading your risks and returns over a range of products. The idea is if one stock or one sector goes down, you will not lose a large portion of your investment, as it is unlikely that all the different sectors will all go down at the same time.


If she is a legitimate owner, you can't force her to sell her interest in the house. You can communicate indirectly with her, perhaps through a lawyer, and see if she is willing to sign something authorizing you to sell. Unless she is mentally incompetent, you will likely have a very difficult time of proceeding with a legal challenge. At minimum she should be paying you rent, if she is the sole occupant, and if she is unwilling to let you live in the house or pay you rent as co-owners, you could possibly proceed with a suit along those lines. This is a good example of why it's not ideal to co-own a home with someone you aren't legally married to, including a relative or someone you are dating, because there is no (relatively) simple process similar to divorce which determines the allocation of property in the case of a serious dispute. If living together, it may be preferable to have one party own the home and rent it to another. If inherited, it may be preferable for one party to buy out the others and rent it back to them or arrange for a portion of any money made through the sale or rental of the home. Best of luck - I hope you are able to reach an agreeable outcome.


>I would propose that organizations like big box stores fall somewhere between animals and foreign peasants as far as our feelings of responsibility towards them. I disagree. To me and most people I know, big-box stores are *worse* than foreign peasants. To foreign peasants, we're apathetic. To big-box stores, we're hateful.


"It's not possible to determine whether you can ""expect a refund"" or whether you are claiming the right number of exemptions from the information given. If your wife were not working and you did not do independent contracting, then the answer would be much simpler. However, in this case, we must also factor in how much your contracting brings in (since you must pay income tax on that, as well as Medicare and, probably, Social Security), whether you are filing jointly or separately, and your wife's income from her business. There are also other factors such as whether you'll be claiming certain child care expenses, and certain tax credits which may phase out depending on your income. If you can accurately estimate your total household income for the year, and separate that into income from wages, contracting, and your wife's business, as well as your expenses for things like state and local income and property taxes, then you can make a very reasonable estimate about your total tax burden (including the self-employment taxes on your non-wage income) and then determine whether you are having enough tax withheld from your paycheck. Some people may find that they should have additional tax withheld to compensate for these expenses (see IRS W-4 Line #6)."


"Those are the ""right"" yields. They are historically (but not ""nonsensically"") low. Those yields are reflective of the sluggish U.S. and global economic activity of the past decade. If global growth were higher, the yields would be higher. The period most nearly comparable to the past 10 years in U.S. and world history was the depressed 1930s. (I am the author of this 2004 book that predicted a stock market crash (which occurred in 2008), and the modern 1930s, but I was wrong in my assumption that the modern 1930s would involve another depression rather than 'slow growth.')"


i disagree. if a country has sovereign currency, then there is no squandering. where does that money come from in the first place? govt creates it, and spends it into the economy through deficit spending. And govt gets a service or product in return from that spending. Govt deficit spending = private sector savings.


Even worse I suppose, is this hateful idiot, didnt even write the letter... he stole it from a[ letter that was circulated in 2008 about the election of Obama. Back then it was a hoax, he decided to make it real. ](http://www.snopes.com/politics/business/valuedemployees.asp) >Of course, as your employer, I am forbidden to tell you whom to vote for - it is against the law to discriminate based on political affiliation, race, creed, religion, etc. Please vote who you think will serve your interests the best. versus >Of course, as your employer, I can't tell you whom to vote for, and I certainly wouldn't interfere with your right to vote for whomever you choose. In fact, I encourage you to vote for whomever you think will serve your interests the best. yep he plagiarized it.


"That's increasingly untrue. Zynga products are essentially ""poke with cows"" which means that they need access to the user's social graph. That doesn't necessarily require facebook or google plus or whatever, though those platforms do make it easier. Once they have an installed base, and know the connections between users, they could move away from those sites if they had to. It's not ideal for them, but if facebook wants to impose some serious margins, it could be a viable path forward."


My advice to you? Act like responsible adults and owe up to your financial commitments. When you bought your house and took out a loan from the bank, you made an agreement to pay it back. If you breach this agreement, you deserve to have your credit score trashed. What do you think will happen to the $100K+ if you decide to stiff the bank? The bank will make up for its loss by increasing the mortgage rates for others that are taking out loans, so responsible borrowers get to subsidize those that shirk their responsibilities. If you were in a true hardship situation, I would be inclined to take a different stance. But, as you've indicated, you are perfectly able to make the payments -- you just don't feel like it. Real estate fluctuates in value, just like any other asset. If a stock I bought drops in value, does the government come and bail me out? Of course not! What I find most problematic about your plan is that not only do you wish to breach your agreement, but you are also looking for ways to conceal your breach. Please think about this. Best of luck with your decision.


It's technically correct to say BK will still pay taxes on all profits made here in the US, the problem here is that it's very easy to structure this whole thing so that there are no US profits. Company A sells itself to Company B, which it also owns. Company A transfers all its' intellectual property to Company B which then charges Company A a fee to use it. The fee is structured so that Company A makes zero profit and Company B makes all the money.


Over a period of time greater than 10 years (keep in mind, 2000-2009 ten year period fails, so I am talking longer) the market, as measured by the S&P 500, was positive. Long term, averaging more than 10%/yr. At a 1 year horizon, the success is 67 or so percent. It's mostly for this reason that those asking about investing are told that if they need money in a year or two, to buy a house for instance, they are told to stay out of the market. As the time approaches one day or less, the success rate drops to 50/50. The next trade being higher or lower is a random event. Say you have a $5 commission. A $10,000 trade buy/sell is $10 for the day. 250 trading days costs you $2500 if you get in and out once per day. You need to be ahead 25% for the year to break even. You can spin the numbers any way you wish, but in the end, time (long time spans) is on your side.


My family business is in Thailand, and I am an Indian citizen, so getting a job in Thailand is not possible. Until I complete Level 1 (if I take the Dec exam), I will have to work in my family business. Then I have will have to shift back to India to find a job while studying for Level 2. It is highly likely that I will not get a job till I finish Level 2. It is also highly likely I may not complete all 3 Levels in the first attempt.


"Of course people can change careers to something else and irregardless of their previous training. Everybody grow in their career to something else. But to be a CHIEF Information Security Officer, the Chief, you need to be an expert and knowledgeable person in your area. I very much doubt that somebody who showed interest in Music, studied Music for 7 years and failed in that area is ""material"" to be a Chief Information Security Officer even after 10 years of working in that area. (Susan failed in her Music career, otherwise she will not try something else like computer security). But with my doubts, yes there are few cases of somebody with one background and studies becoming a real expert and leader in a totally different area. It's rare!!!!! For lower level jobs, yes, a music major may become a descent programmer or project manager. I doubt they will become experts and best in the field. Let's concentrate on this particular case: Susan had no talent, and I gave you some quotes of what she said. The FACT is she is responsible for the biggest breach of personal data in the history of the world. Her becoming a CISO for Equifax is mostly due to her knowing someone or someone knowing her. And even if it's not the case, it's mostly due to her being like typical many clueless managers: expertise in political backstabbing of anyone in your way, being very ""social"" with the right people, etc. Do you want me to give a list of top managers and CEOs that destroyed successful and big companies. Trust me, in most cases, they did not have the qualification of even the studies to run a company or do their jobs."


"You would add your daily earnings every day. For example, you work full time job (8 hours a day) at $20/hour. At the end of the 1st day of the month, you'd add $160 to your salary account. You've earned it, even though its still almost a month till you actually get paid. So its accrued. What if you don't get paid? You've accrued it already, its on your books, but not in your wallet. You might have paid taxes on it, etc. But you don't really have it. This is what is called ""bad debt"", and eventually, after you can show that the payee is not going to pay, you write it off - remove it from your books (and adjust your taxes etc that you paid on that income already). Generally, it is a very bad idea to use accrual method of accounting for an individual or a small business. For large volume business using accrual mode solves other accounting and revenue recognition problems."


It doesn't cost them anything, they don't pay commission on you taking cash-back. But it brings customers to the stores because these customers would rather buy something and use cash-back to get cash, than go to an ATM and pay the ATM commission.


I see that you're invested in a couple bond funds. You do not want to be invested in bonds when the Fed raises rates. When rates climb, the value of bond investments decline, and vice-versa. So that means you should sell bonds before a rate hike, and buy them before a rate drop.


The answer is far more simple. The purchasers of periphery debt have been banks in the periphery. Since these countries don't have a central bank, their private banks were swallowing the national debt since nobody else wanted to touch it. When the market value of that debt plummets, the banks have massive holes they need to fill on their balance sheets to fulfill capital requirements and solvency. Therefore, the banks themselves need to be injected with liquidity. Now you can see why its a reiterative problem.


"But this doesn't mean you're not allowed to evaluate someone's political choice based on other factors and judge them by it. Your attitude sounds suspiciously like the ""anyone who doesn't like President Obama is racist"" kind of rhetoric we've seen in the past. Just as political decisions should not be criticized based on the single dimension of ""Democrat or Republican"" at the same time the ""why"" of a political decision *is* open to evaluation and criticism based on nonpolitical factors."


Are you seeking space for a dental practice? Seek no more! At a location that promises you great footfalls and various 3rd party referrals. Now pamper yourself with fantastic rent with Garden Grove dental practice on sale. Make it quick!


Behind the scenes of banking are a lot of very manual processes especially when something goes wrong. These take extra time not only because it involves people reviewing what went wrong but also because the bank will take extra steps to reduce human error (e.g. technical jargon about maker/checker, dual controls). Something like this can easily get held up for a month and the best way to jump the queue is to start complaining a lot, calling customer service frequently, asking to talk to management and otherwise pestering the bank until someone senior gets your problem fast-tracked so you stop giving them a headache.


Refined marble tiles accessible at tiles showroom in Kolkata are utilized to give more floor grasp, while cleaned artistic tiles are utilized to give a considerably more advanced appearance; by the by, these could wind up noticeably perilous when clammy and may include the situating of mats to stop mischances. Tumbled marble on the different another hand, is looked for after for its old-world, provincial feel and look, and is fast turning into a noticeable format design for heaps of house proprietors.


I think that mbhunter hit the nail on the head regarding your question. I just want to add that having a policy that isn't sponsored by your employer is a good idea... employer policies are regulated by the federal government via ERISA. Independent policies are state regulated, and usually have better protections. Also, look for a policy that allows you to increase your coverage later without medical qualification so you don't need to overbuy insurance initially.


It noone buys your product b/c you price it too high you wont make any money. Time owns cameras. They can buy a jar and put coins in it. They bought this out of convenience. This is not a Pulitzer prize winning photo and it was priced accordingly.


Are you serious? They're a US government department, of course they will always want USD. If they ever offer the option to pay in bitcoin it won't be at par, but with a significant fee on top of the amount you owe. And that fee will go specifically to what they will have to do which is turn around and convert your bitcoin into real money.


The important piece here is not necessarily understanding intimate details of biological engineering per se, but rather understanding how the business operates as a singular unit. It is also important to understand the business case for a firm, the evolution of demand for its products/services and the cost of its revenue. To understand a particular sector of the market, you should begin by studying how that sector interacts with and is influenced by the larger market and economy as a whole, both domestic and abroad. From there, you should study individual companies and again see how they interact with one another, the sector, market, etc. Many biotech firms have a different offering and meet different business and consumer demands. Some are near term solutions to existing problems, some long. It is important to see how the firms collectively interact with the consumer base and then differentiate on an individual level.


The cost of insurance very well may swing the opposite direction. Last year premiums jumped 50% across the board because there were so many drivers on the road that accident rates increased. So autonomous vehicles may have lower (or zero) premiums while human driven vehicles might see triple digit increases in premiums.


"Just read the book Flash Boys by Michael Lewis. It describes this process in detail, albeit a bit more dramatically than it has to. Basically what ""HFTs"" (high frequency traders) do is they set up their line to the exchange so its microseconds faster than everyone else. Then they test out the market with tiny orders, seeing how fast it's getting filled - if these are getting filled immediately, it probably means there's a big order coming in from an investor. So the algorithm - and it's all algo-based obviously because no human can remotely hope to catch this - will detect that as soon as there's a spike in volume, it will buy all of the volume at the current price, and sell it back for higher, forcing the big investor to take on higher prices. Another case is that some HFTs can basically buy the entire trade book from an exchange like Nasdaq. So every time someone places a market order for 200 shares of a 6.5 stock, the HFT will see it, buy up all the current stock from say 6.5-6.6 and sell it back at 6.7. Not rocket science if you already get info about the trade coming in, in fact this is basically market making but performed by an ""evil HFT"" instead of a ""trustworthy bank."" But honestly there are a lot more ways to make money from HFT than front-running, which isn't even possible anymore because exchanges no longer sell their books to HFTs."


"If he didn't lie, I don't see the issue. He did not force anyone to buy anything. His opinion was stock X is good, he publicized it and it turned out to be true (at least temporary) - what's wrong with it? It is customary for people who have either fiduciary duty towards the clients or are perceived as independent analysts to disclose their interest and potential conflict of interest, lest they lose the respect of the public as independent and trustworthy sources of financial information. Jackson never had that, express or implied, and never had the duty to provide anybody with impartial financial analysis, so he can say anything he wants. He can invest into the company and promote it and make money from it - isn't it what was called ""business"" once? Why is it even being questioned?"


EDIT To answer what I think you question is: I do not know of anything other than trip cancellation insurance. And you must be very careful that the policy you purchase for your trip covers the circumstance you described. Essentially, you opted not to take the flight. Not all trip cancellation policies will cover that. How to Find Trip Cancellation Insurance Getting Your Money Back Now This is an Act of God in the insurance world. You cannot reasonably expect the airline to know the future weather pattern anymore than you could, and therefore, since the plane did fly, you owe them the money based on the ticket you bought. You didn't just buy a ticket, there is a contract with rules about refunds and transferring and such. It is a bummer situation, and I understand you point of view, but this isn't the airline's fault. If anybody is to blame for you missing your flight, and therefore not getting a refund, it is your employer. Their requirements for you be in one city and then another are the cause. While your employer cannot predict the weather, they are ultimately the ones who could give you the okay to be late. If you absolutely cannot be late, and it was critical that you drive out and miss your flight, then your company gets to pay for the flight AND the car. That is the cost of doing business for them. This is also why, when flying for business, that you pay the higher price and get the refundable / transferable ticket. They cost more, but situations like these illustrate they are worth it for the company.


The general concept is that your money will grow at an accelerating rate because you start getting interest paid on your returns in addition to the original investment. As a simple example, assume you invest $100 and get 10% interest per year paid annually. -At the end of the first year you have your $100 + $10 interest for a total of $110. -So you start the second year with $110 and so 10% would be $11 for a total of $121. -The third year you start with $121 so 10% would be $12.10 for a total of $133.10 See how the amount it goes up each year increases? If we were talking a higher initial amount or a larger number of years that can really add up. That is essence is compound interest. Most of the complicated looking formulas you see out there for compound interest are just shortcuts so you don't have to iteratively go through the above exercise a bunch of times to find out how much you would have after some number of years. This formula tells you how much you would have(A) after a certain number of years(t) at a given interest rate(r) assuming they pay interest n times per year, for example you would use 12 for n if it paid interest monthly instead of yearly. P represents the amount you started out with. If you keep investing monthly (as shown in your example) instead of just depositing it and letting it sit, you have to use a more complicated formula. Finance people refer to this as calculating the future value of an annuity. That formula looks like this: A = PMT [((1 + r)N - 1) / r] x (1+r) A : Is the amount you would have at the end of the time period. N : The number of compounding periods (months if you get interest calculated monthly) PMT : The total amount you are putting in each period (N) r: Just like before, the interest rate you are getting paid. Be sure to adjust this to a monthly number if N represents months (divide APR by 12)* *Most interest rates are quoted as APR, which is the annualized interest rate not counting compounding. Don't confuse this with APY, which has compounding built into it and is not appropriate for use in this formula. Inserting your example: r (monthly interest rate) = 15% APR / 12 = .0125 n = 30 years * 12 months/year = 360 months A = $150 x [((1 + .0125)360 - 1) / .0125] x (1+.0125) A = $1,051,473.09 (rounded)


"There were a lot of these articles before Facebook went public. The Economist thought that Facebook would go public at $28-35 a share. Their article on the Facebook IPO [urged caution and pointed out red flags](http://www.economist.com/node/21554532). The articles on Reddit just before Facebook went public were about General Motors pulling its advertising from Facebook. I think that reddit's consensus was ""overvalued""."


Agree with the previous posts the question is poorly worded. -but- Clark Howard does say you really need to be getting 90% back in the mortgage payment. Remember that what ever your paying in principle a month is adding to your net worth and every month that gets you a little more money than the last payment. Also this is a good hedge on inflation and at some point within a few years you will be at break even.


By taking the decisions which are not conducive to the desired profit level and, in this case, to talks about laying off people. They may forget it often, but every relevant decision in the business falls on an executive whether they take it directly or not.


The question lacks specificity, i.e. when does the initial investment occur, now or one period from now? If now then it is a perpetuity due. I will consider under 2 scenarios, A and B, relating to the size of the initial investment. A. Assuming that the initial investment (C_0) occurs now and each payment thereafter has the relationship (1+g) with this investment then the relevant base equation is that for the present value of a growing perpetuity due, expressed in terms of C_0, i.e. PVGPD= [C_0*(1+g)*(1+i)]/(i-g). Now, to suit the question asked, we can see that i=fixed rate of return (f) and g = expected inflation rate (e) such that we can rewrite the equation as PVGPD = [C_0*(1+e)*(1+i)]/(i-e]. We know that f = is a fixed nominal rate and must be adjusted for e to calculate the real rate (r) according to the equation f=(1+r)*(1+e)-1. Therefore PVGPD = [C_0*(1+e)(1+(1+r)(1+e)-1)]/((1+r)*(1+e)-1-e] Tidying up PVGPD = {C_0*(1+r)(1+e)^2}/[r(1+e)] PVGPD = [C_0*(1+r)*(1+e)]/r B. Assuming that the initial investment (X) is not equal to each subsequent perpetual payment (C_1) then the relevant base equation is that for the the initial investment plus the present value of a growing perpetuity, i.e. PVGP= X + [C_1/(i-g)] Rewriting PVGP = X + [C_1/(f-e)] Substituting PVGPD = X + {C_1/[(1+r)*(1+e)-1-e]} Tidying up PVGPD = X + C_1/[r*(1+e)]


Switch to a different product. For $500, you'd be surprised what you could buy wholesale. Potential options: -Find something appropriate to wholesale to your peers on Alibaba -Start a T-shirt company with graphics relevant to your school, area, or pop-culture microcosm. Edgy inside references with clean graphics being ideal. Shopify is $25 a month + Print on demand t-shirt company (about $7 profit per shirt) + Fiverr for inexpensive graphics --> you could launch a local T-shirt brand for less than $100.


Brandon Brice earned a Bachelor's in Business Administration from Howard University, a Master’s of Science in International Affairs from Rutgers University and is currently completing his Executive Master's in Public Administration from Columbia University. Brandon has interned on Capitol Hill in the Office of former United States House.


Did you know that bill-pay is a third party system? The way they run it encourages multiple overdrafts, Just last week I had 150$ in fees. Not to mention they recently had a class action they lost in which they were fucking over service members with home loans. I've been with them since 2002, they're just as shady as every other institute that charges you money to use your money.


"I'll take a stab at this question and offer a disclosure: I recently got in RING (5.1), NEM (16.4), ASX:RIO (46.3), and FCX (8.2). While I won't add to my positions at current prices, I may add other positions, or more to them if they fall further. This is called catching a falling dagger and it's a high risk move. Cons (let's scare everyone away) Pros The ECB didn't engage in as much QE as the market hoped and look at how it reacted, especially commodities. Consider that the ECB's actions were ""tighter"" than expected and the Fed plans to raise rates, or claims so. Commodities should be falling off a cliff on that news. While most American/Western attention is on the latest news or entertainment, China has been seizing commodities around the globe like crazy, and the media have failed to mention that even with its market failing, China is still seizing commodities. If China was truly panicked about its market, it would stop investing in other countries and commodities and just bail out its own country. Yet, it's not doing that. The whole ""China crisis"" is completely oversold in the West; China is saying one thing (""oh no""), but doing another (using its money to snap up cheap commodities). Capitalism works because hard times strengthen good companies. You know how many bailouts ExxonMobil has received compared to Goldman Sachs? You know who owns more real wealth? Oil doesn't get bailed out, banks do, and banks can't innovate to save their lives, while oil innovates. Hard times strengthen good companies. This means that this harsh bust in commodities will separate the winners from the losers and history shows the winners do very well in the long run. Related to the above point: how many bailouts from tax payers do you think mining companies will get? Zero. At least you're investing in companies that don't steal your money through government confiscation. If you're like me, you can probably find at least 9 people out of 10 who think ""investing in miners is a VERY BAD idea."" What do they think is a good idea? ""Duh, Snapchat and Twitter, bruh!"" Then there's the old saying, ""Be greedy when everyone's fearful and fearful when everyone's greedy."" Finally, miners own hard assets. Benjamin Graham used to point this out with the ""dead company"" strategy like finding a used cigarette with one more smoke. You're getting assets cheap, while other investors are overpaying for stocks, hoping that the Fed unleashes moar QE! Think strategy here: seize cheap assets, begin limiting the supply of these assets (if you're the saver and not borrowing), then watch as the price begins to rise for them because of low supply. Remember, investors are part owners in companies - take more control to limit the supply. Using Graham's analogy, stock pile those one-puff cigarettes for a day when there's a low supply of cigarettes. Many miners are in trouble now because they've borrowed too much and must sell at a low profit, or in some cases, must lose. When you own assets debt free, you can cut the supply. This will also help the Federal Reserve, who's been desperately trying to figure out how to raise inflation. The new patriotic thing to do is stimulate the economy by sending inflation up, and limiting the supply here is key."


When you short a stock, you can lose an unlimited amount of money if the trade goes against you. If the shorted stock gaps up overnight you can lose more money than you have in your account. The best case is you make 100% if the stock goes to zero. And then you have margin fees on top of that. With long positions, it's the other way around. Your max loss is 100% and your gains are potentially unlimited.


Real world example. AGNC = 21.79 time of post. Upcoming .22 cents ex-div Mar 27th Weekly options Mar 27th - $22 strike put has a bid ask spread of .22 / .53. If you can get that put for less than .21 after trade fee's, you'll have yourself a .22 cent arbitrage. Anything more than .21 per contract eats into your arbitrage. At .30 cents you'll only see .13 cent arbitrage. But still have tax liability on .22 cents. (maybe .05 cents tax due to REIT non-exempt dividend rates) So that .13 gain is down to a .08 cents after taxes.


Movie theater popcorn concessions are not really a competitive market.


One way rentals are crazy expensive. My wife and I got hit with a 8+ hour layover in Atlanta to get home to Norfolk VA and decided we'd just grab a car and drive. At least we'd be doing something and not sitting around an airport. It was gonna be about 40 bucks for the rental, but an additional $300 drop off fee to drop at another location! We noped out of that real fast.


Pensions are pretty much gone and likely to be drastically cut back where available for my generation. Every recession provides excuses to cut or freeze more of them. Who hasn't seen that compound interest infographic that shows investor A saving for retirement in the first decade of their career coming out ahead of investor B that starts a decade later and contributes for 25 years because of 'compound interest'? That doesn't work the same way when that first decade is a 'lost decade'. Investor A is always behind in that situation and must become investor C that contributes the whole time. Who hasn't see that average college grads that start their careers in a recession take a decade or more to catch up to the income of those that graduated into a recovery or boom? Who hasn't seen an odd money mentality of those who lived through the great depression? It clearly stuck with many people for the rest of their lives. My grandmother is 97 and is paranoid about running out of money. At her current burn rate she has over 20 years of savings left...


Being the geek that I am, I actually developed a financial model of a few different career/salary scenarios when I graduated in 2000. While it may not matter from a financial POV, it's a nice thing to reference later on to help you stick with your financial goals. My recommendation would be to not factor in inflation upfront... build a model based on the current value of money. You course-correct things in the future when inflation starts kicking in. Also, your retirement income requirements will vary dramatically depending on other decisions that you make. (ie. kids, mortgage, college, etc) If achieving the lifestyle that you desire 10, 20, or 30 years down the road looks difficult because your salary isn't keeping up with your earnings/savings goals, you need to either re-evaluate your priorities or look for better compensation.


The answer is that the trader is hoping to profit from a potential rise in Implied volatility. He is isolating his exposure to IV only and mitigating his risk to the directional move of the underlying by hedging with the underlying. Basically, his delta is neutral. His gamma is positive and a potential source of profit, and his theta is negative which is a potential source of loss. He hopes that the profits from long gamma will overcome the loss from the short theta. he achieves this by actively gamma scalping to remain delta neutral over the life of the option.


"It's easy to own many of the larger UK stocks. Companies like British Petroleum, Glaxo, and Royal Dutch Shell, list what they call ADRs (American Depositary Receipts) on the U.S. stock exchanges. That is, they will deposit local shares with Bank of NY Mellon, JP Morgan Chase, or Citicorp (the three banks that do this type of business), and the banks will turn around and issue ADRs equivalent to the number of shares on deposit. This is not true with ""small cap"" companies. In those cases, a broker like Schwab may occasionally help you, usually not. But you might have difficulty trading U.S. small cap companies as well."


"Currently, the quantity theory of money is widely accepted as an accurate model of inflation in the long run. Consequently, there is now broad agreement among economists that in the long run, the inflation rate is essentially dependent on the growth rate of money supply. However, in the short and medium term inflation may be affected by supply and demand pressures in the economy, and influenced by the relative elasticity of wages, prices and interest rates - Wikipedia: Inflation causes You also asked ""can you give any reference that explains that this [encouraging people to work] is one of the reasons government prints money?"" See the list of positive effects of inflation in that article."


Ten year auto loans. Think about that for a moment. I paid off my house in 13 years and people are having problems paying off a car in 6, 8 or 10 years. I never buy new and then drive them until they fall apart. My sister buys new every four years. In the past twenty years, she has paid at least $100,000 in autos. I know it is actually a lot more since one of her SUVs cost $35k, but I was going for the easy math for illustrative purposes. I bought two used vehicles for a total of $14,000. People ask how I was able to pay off my house and buy rental properties.


Up until 1913, the printing press was at the US treasury under the jursidiction of Congress. Congress needs to take back the printing press and perform their constitutional duties as described. Right now, our government pays interest to borrow in its own currency. If the printing press was at the treasury, that wouldn't happen.


The counterfeit bills that are most popular near my school take a 1 dollar bill, wash the ink off, and print a 20 dollar bill image onto it. A pen cannot detect these. If you have a good printer, you can go from 10 one dollar bills to 10 twenty dollar bills in a day. Mostly teens do this, so 200 dollars is a lot of money. Also, the paper keeps all security feature except for the metallic ink, so the bills don't work at a bank. a guy I know makes money, turns it into bitcoin, transfers it to a zcash account, and then to another zcash account. the money becomes untracable.


Silly people Its not what Libya and Iraq lacked Its what North Korea and Pakistan Have and what Ukraine had but gave away . .poor fools and what Iran and Saudi Arabia should have Chocolate covered doughnuts with a nice yellow cake middle and sprinkles on top


"I'm not aware of banks offering savings account for specific reasons, other than certain accounts for college funds, as the number of reasons someone might want to open a savings account is almost infinite. What I did was open 3 savings accounts with the same bank (I could have opened more, but I didn't need more). Each account is labeled with a nickname for it's specific purpose: Vacation, Emergencies, and Annual fees. This way, I can make automated deposits to each one based on my monthly budgets and track them independently. Most E-Banks offer this type of setup (CapitalOne even advertises it as a ""feature"") and the interest rate will likely be better than a standard brick-and-mortar bank."


Ever wondered why no bankers got arrested? Henry Paulson needed them on board. He has gone on record saying as much. You don't make this sort of rescue by dangling people over a cauldron, you need the political will. Remember some of the banks didn't even need TARP, they had to be convinced to take them against their best interests.


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"So I don't know where I stand on the livable minimum wage practically, I was just stating the argument that I frequently see made. To your point, jobs are always going to pay as little as possible and people are always going to be desperate to not be homeless. ""The invisible hand"" is what created tenements and child labor. So, idealistically, the real minimum wage is lower than it has been since the 60s, and we should make adjustments because no one should work 60, 70 hours to make ends meet. But if I had an answer that didn't result in what it looks like Seattle is facing I would probably be working on that instead of armchair speculating on reddit."


If you plan on trading it, it's a social construct. If you plan on keeping it for yourself, then the value is personal. Not always easy to disentangle the two. Sometimes people are more willing to risk personal safety to rescue items of sentimental value...


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"What about all the people they employ who had nothing to do with it? People with families to feed such? Fine the ever living dogshit out of them and jail anyone who showed gross neglegence (looking at anyone who said good security was ""too expensive"", or ""not a good return on investment""). Then move along."


Yes factor into your fund the cost of health insurance. You basically have three options when facing a loss of income for 3-6 months: Pre-ACA the COBRA one was the default option many planned for because there was no need to change doctors. Of course many people were shocked how expensive it was compared to just looking at the employees share of the monthly premium. For planning you can do some research into the cost of one of the ACA approved plans in your state. Keeping in mind that the lack of income might qualify you for a subsidy. As to the coverage level, that would depend on your situation and the perceived gap. I have known many people who didn't have to pick COBRA until after the new job started so they knew exactly what they needed to cover and what their bills were during the gap.


"Can anyone explain why the analyst is writing off goodwill, please? I would have thought that the HP brand would be worth something for some years to come, that some section of the market will continue saying ""well, it's an HP laptop, it must be decent quality"" and ""you can rely on HP printers"" for the foreseeable future. Or is that something else?"


"Yes sir, I'm working on compiling your ""precise evidence,"" and I'll have it printed and bound for you on the double. In the meantime, you can look here as a starting point and try to find the part where the Fed has allowed interest rates to adjust freely, and maybe you can learn why rates are artificial: http://en.wikipedia.org/wiki/Federal_Reserve_responses_to_the_subprime_crisis As for ""cahoots"" and independent banks and whatever other off-topic nonsense you're babbling about, there was nothing said about cahoots or independent banks. The interest rates paid for and to US banks are affected by the monetary policy of the Fed. There is no collusion, or ""cahoots,"" required for them to follow a common policy of artificially-low interest rates, which was the point of the earlier post."


"If you were asking if you should buy silver for an emergency fund, I'd say no. But, you already have it... Note: I wrote most of the below under the assumption that this is silver bullion coins/bars; it didn't occur to me till the end that it could be jewelry. Both of you have good arguments for your points of view. Breaking it down: Her points 1. A very good point. And while she may not be irresponsible, maybe the invisibility of it is good for her psychology? It's her's, so her comfort is important here. 2. Good. Make sure it's explicitly listed on the policy. 3. Bad. I think it will as well, at least the long run. But, this is not a good reason for an emergency fund -- the whole point of which is to be stable in case of emergencies. 4. Good. Identity theft is a concern, though unless her info is already ""out there"", it's insufficient for the emergency fund. And besides, she could keep cash. Your points 1. Iffy. On the one hand, you're right. On the other hand, Cyprus. It is good to remember that money in accounts is in someone else's control, not yours, as the Cypriots found out to their chagrin. And of course, it can't happen here, but that's what they thought too. There is value in having some hard assets physically in your control. Think of it as an EMERGENCY emergency fund. Cash works too, but precious metals are better for these mega-upheaval scenarios. Again, find out how having such an EMERGENCY fund would make her feel. Does having that give her some comfort? A gift from a family member of this much silver leads me to assume that her family might have a little bit of a prepper culture. If so, then even if she is not a prepper herself, she may derive some comfort from having it, just in case -- it'll be baked into her background. Definitely a topic to discuss with her. 2. Excellent point. This is precisely why you want your emergency fund in some form of cash. 3. Bad. You can walk into any pawn shop and sell it in a heartbeat. Or you can send it in to a company and have cash in days. 4. Bad. If you know a savings account that pays 3%-4%, please, please, please tell me where it is so I can get one. Fact is, all cash instruments pay negligible interest now, and all such savings are being eroded by inflation. 5. Maybe. There is value to looking at your net worth this way, but my experience has been that those that do take it way too far. I think there's more value at looking at allocation within a few broad ""buckets"" -- emergency fund, savings (car, house, college, etc), and retirement fund. If this is to be an EMERGENCY fund, as per point #1, then you should look at it as its own bucket (and maybe add a little cash too). Another thought to add: This is a gift from a family member -- they gave her a lot of silver. Of course it's your SO's now, and she can do whatever she wants with it, but how would the family member react if she did liquidate it? If that family member is a prepper, and gave her this with the emotional desire to see her prepped, they may be upset if she sold it. It just occurred to me this may be jewelry. Your SO may not have sentimental attachment to it, but what about the family member's sentiments? They may not like to see family silver they loving maintained and passed on casually discarded for mere cash by your SO. Another thing to discuss with her. Wrap up Generally, you are right about not keeping a 6 month emergency fund in silver. But there are other factors to consider here. There's also the fact that it's already bought -- the cost of buying (paying over market) has already been taken. Edit -- so it's silverware Ah, so it's silverware. Well, scratch everything, except how the family member feels about, which now looms large. This doesn't have much value as an emergency fund. Nor really as an investment. If you did keep it as an investment, think of it as an investment in collectibles/art, less so in precious metals. If no one will get upset, I'd say pick out the nicest set to keep for special occasions, and sell the rest. Find out first if it has collectible or historical value. It may be worth far more than the pure weight in silver. Ebay might be the way to go to sell it."


The year over year compounding in India has the potential to make up for interest rate parity. But 3% isn't really going to create convenient amounts of earnings either until you get to larger amounts.


The short answer is that the people who know aren't saying. [Lisa Pollack](http://ftalphaville.ft.com/blog/author/lspollack/) at FT has made a heroic effort at figuring it out, but working from what is publicly known and making some reasonable assumptions she can't even find $1 billion of losses, much less 9. All we know for sure is that JPM sold massive amounts of protection on a particular CDS index. Roughly, that means that they sold insurance on a group of 125 companies, and they would lose money if one of those companies went bankrupt or looked like it might go bankrupt, and make money if those companies look less likely to go bankrupt. However! They were certainly combining that position with other offsetting positions. Since their banking business loses money when companies go bankrupt, it would make sense if they protected themselves with an even more massive position that *made* money when companies went bankrupt. A common strategy is to bet that the price of 1 thing will go up, and the price of a very similar thing will go down, so you are protected and can make money if both prices go up or if both go down. However, if the 2 things are not as similar as you thought, you can lose money from both bets. That's what seems to have happened to JPM. Dimon has basically said that JPM screwed up their calculations, and positions that they thought were offsetting were not. What also seems likely is that other companies figured out that JP Morgan had massive amounts of certain things that they needed to sell, so JPM was forced to sell at bad prices. You never want to play poker against someone who can see your hole cards. So my speculative theory is that the main point of the trading was to protect JPM if other companies went bankrupt, but they did it with a complicated strategy that included selling protection. They got the calculations wrong, and then they were forced to sell at bad prices to other companies who knew they had to sell.


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"I'm not an attorney or a tax advisor. The following is NOT to be considered advice, just general information. In the US, ""putting your name on the deed"" would mean making you a co-owner. Absent any other legal agreement between you (e.g. a contract stating each of you owns 50% of the house), both of you would then be considered to own 100% of the house, jointly and severally: In addition, the IRS would almost certainly interpret the creation of your ownership interest as a gift from your partner to you, making them liable for gift tax. The gift tax could be postponed by filing a gift tax return, which would reduce partner's lifetime combined gift/estate tax exemption. And if you sought to get rid of your ownership interest by giving it to your partner, it would again be a taxable gift, with the tax (or loss of estate tax exemption) accruing to you. However, it is likely that this is all moot because of the mortgage on the house. Any change to the deed would have to be approved by the mortgage holder and (if so approved) executed by a title company/registered closing agent or similar (depending on the laws of your state). In my similar case, the mortgage holder refused to add or remove any names from the deed unless I refinanced (at a higher rate, naturally) making the new partners jointly liable for the mortgage. We also had to pay an additional title fee to change the deed."


Oh fucking face palm on my part. I meant to say, it ended 1:07 in to the round, but it was actually a 1:05 in to the round. Nevertheless, the points still valid, Floyd would of won his bet. Edit: I'm ashamed I let this bot get me twice. Gonna leave the error here so the whole world will remember my grammatical errors.


So I was working at my dad's perfume store yesterday so he can take a day off. And I don't have that much experience, I occasionally fill in whenever he needs to take a day off for something. So yesterday I thought it was my lucky day cause I had two groups of people come in and buy nearly 500$ worth of items each but with credit cards. Now once again I don't have that much experience with this type of work. I just sold them the stuff but the procedure was the same as with any other group of people buying multiple items. Show them multiple stuff, bargain, and eventually they buy the stuff. I entered the price on the machine, they put in the card, they put in the pin, they signed the receipt and it was the end of that. Turns out both groups used stolen cards. So I get a call from my brother today saying both cards were stolen and we might not get the money for the stuff. But I pretty much followed the procedure I was told to, its just I don't know why we wouldn't get the money back.


That is exactly how the insurance companies work. What you described here falls under P/L. If you are buying insurances you are betting that you might get sick. Same as when insurance companies sells you insurance they are betting that you won't get sick. No one will sell you insurance if you are oreads sick. That's why you have government to take of you. Of course there are pools of healthy and unhealthy people. The healthier the better for the company. No one is in it to loose money.


The average household headed by an immigrant (legal or illegal) costs taxpayers $6,234 in federal welfare benefits, which is 41 percent higher than the $4,431 received by the average native household. At $8,251, households headed by immigrants from Central America and Mexico have the highest welfare costs of any sending region — 86 percent higher than the costs of native households. Illegal immigrant households cost an average of $5,692 (driven largely by the presence of U.S.-born children), while legal immigrant households cost $6,378.


Well, you can just say that 1 dollar contributed = one share and pay out dividends based on number of shares. That makes it pretty easy to make things fair based. There are pros and cons with this pooling approach.


Given you mention a check clearing, in addition to debit card holds as JoeTaxpayer notes, you may also have funds that are on hold for that reason. While the bank may have stated it would be a one day hold, some banks may mean business days (Monday-Friday), and so it will become available on Monday. This is because checks are not always instantly withdrawn from the other account (although this is becoming much more common post-electronic check reform), so the bank wants to make sure it actually is getting the money from the check; after all, if the check you deposited bounces, the bank doesn't want to end up footing the bill. The bank allows you some portion up front, largely as a customer service; the amount varies from bank to bank, but it's generally a small amount they don't mind risking. $200 is a pretty good amount, actually; back when I was just out of college and frequently spending the last $50 in my account, the pre-clearance amount was usually $50. If the bank does this to you regularly and you feel that it is unfair in how long it holds checks, you might consider shopping around; different banks have different hold policies, or might allow you a larger amount up front. In particular, online banks tend to have more favorable terms this way.


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It is comparing apples to oranges. From govt or institution point of view defined contribution is better than defined benefits as they don't have to carry obligations. Although defined benefit sounds good, one can't guarantee it will be enough when you retire compared to inflation. It often becomes political issue. Defined contribution puts you in charge.


"In Portugal, I have a three bedroom apartment in a pretty good area. However, I can tell you about my aunt that raised two boys as a maid in a two bedroom apartment. They are not rich, but never starved, lacked clothing or anything vital. Let me elaborate. In Lisbon, you pay around $30 for public transportation that includes the entire subway system, all buses in the great Lisbon area and trains. That one $30 card that we call ""passe"" lets you go around the city and you never have to wait more than 15 minutes for a bus; subway comes around every 5 minutes. Schools are 100% free and public schools are far better, have more prestige and give access to the best jobs - private schools can't compete. I used to pay $3 a day for meals when I was a kid when I didn't want to walk home, even though I had cooked meals waiting. There were 4 schools within 10-25 (farthest) minutes of walking distance and crime was so low that we all walked to school at age 11. It was in Coimbra (has one of the oldest, most historic and prestigious universities in Europe). That all leads me to gas, you really only have to spend money on gas if you want to. My sister begged my father to buy her a car for months, when he finally did she sold it after a year (don't recall exactly). We lived really close to a subway exit, even when I went partying I just called a cab and would pay no more than $15 total. One last note, I have never met anyone who went through financial struggles because of medical bills in Portugal. My best friend's mother lost her life to cancer, their life didn't change one bit financially. When I say that to friends here, they are shocked and this reaction is what makes me sad. I am not a socialist or capitalist, both can have flaws if taken to extremes. However, I believe that those that genuinely try and work should have the chance to live a decent life."


I'm retired. a LONG time ago a biz friend make note that once a restaurant failed in a location, that location was cursed forever for a new restaurant. ours is a HUGE/famous beach resort with big bucks everywhere. I watched and for 40+ years, friend has been right